NORWEST BANK TEXAS N A
13F-HR, 2000-07-31
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<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: 6/30/00

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:    WELLS FARGO 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              LUBBOCK, TX              7/3/00


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:   1831

FORM 13F INFORMATION TABLE VALUE TOTAL:           $1,504,782
<PAGE>

<TABLE>
<CAPTION>
                                                                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     1404    44399 SH       DEFINED               22598        0    21801
A T & T CORP COM               COMMON STOCK     001957109     8503   268879 SH       OTHER                257771      655    10453
AAON INC                       COMMON STOCK     000360206        2      100 SH       DEFINED                   0        0      100
ABBOTT LABS                    COMMON STOCK     002824100     1464    32850 SH       DEFINED               10800        0    22050
ABBOTT LABS                    COMMON STOCK     002824100     4131    92701 SH       OTHER                 90001        0     2700
ABC-NACO INC                   COMMON STOCK     000752105        0       50 SH       DEFINED                   0        0       50
ABERCROMBIE & FITCH CO CL A    COMMON STOCK     002896207        5      400 SH       DEFINED                 150        0      250
ABERCROMBIE & FITCH CO CL A    COMMON STOCK     002896207       13     1075 SH       OTHER                   500        0      575
ACE LIMITED ORD                COMMON STOCK     G0070K103      462    16500 SH       DEFINED               16500        0        0
ACNIELSEN CORP COM             COMMON STOCK     004833109       67     3034 SH       DEFINED                 134        0     2900
ACNIELSEN CORP COM             COMMON STOCK     004833109        4      166 SH       OTHER                   166        0        0
ADAMS EXPRESS CO               COMMON STOCK     006212104      186     5054 SH       OTHER                  5054        0        0
ADC TELECOMMUNICATIONS INC     COMMON STOCK     000886101       91     1090 SH       OTHER                  1090        0        0
ADELPHIA COMMUNICATIONS CORP   COMMON STOCK     006848105      413     8800 SH       DEFINED                   0        0     8800
ADOBE SYS INC 1 COM & 1 TAKEOV COMMON STOCK     00724F101     1716    13200 SH       DEFINED                6000        0     7200
ADOBE SYS INC 1 COM & 1 TAKEOV COMMON STOCK     00724F101       54      415 SH       OTHER                     0        0      415
ADVANCED MICRO DEVICES INC     COMMON STOCK     007903107      236     3050 SH       DEFINED                   0        0     3050
ADVANCED TISSUE SCIENCES INC C COMMON STOCK     00755F103        6      800 SH       DEFINED                   0        0      800
ADVANTICA RESTAURANT GROUP INC COMMON STOCK     00758B109        3     3149 SH       DEFINED                3149        0        0
AES CORP                       COMMON STOCK     00130H105     1195    26200 SH       DEFINED                   0        0    26200
AES CORP                       COMMON STOCK     00130H105       64     1400 SH       OTHER                  1400        0        0
AETNA INC COM                  COMMON STOCK     008117103       19      303 SH       OTHER                   303        0        0
AFFILIATED MANAGERS GROUP, INC COMMON STOCK     008252108      278     6100 SH       DEFINED                6100        0        0
AFLAC INC                      COMMON STOCK     001055102      923    20100 SH       DEFINED                8400        0    11700
AFLAC INC                      COMMON STOCK     001055102      393     8560 SH       OTHER                  8560        0        0
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101     1732    23490 SH       DEFINED                5089        0    18401
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101     2570    34846 SH       OTHER                 32635      285     1926
AGRIBRANDS INTERNATIONAL, INC  COMMON STOCK     00849R105        1       30 SH       DEFINED                  30        0        0
AGRIBRANDS INTERNATIONAL, INC  COMMON STOCK     00849R105       10      244 SH       OTHER                   244        0        0
AIR PRODS & CHEMS INC COM      COMMON STOCK     009158106       13      420 SH       OTHER                   420        0        0
AKMAI TECHNOLOGIES             COMMON STOCK     00971T101      226     1900 SH       DEFINED                   0        0     1900
AKMAI TECHNOLOGIES             COMMON STOCK     00971T101       12      100 SH       OTHER                     0      100        0
ALAMO GROUP INC COM            COMMON STOCK     011311107        6      500 SH       OTHER                     0        0      500
ALAMOSA PCS HOLDINGS INC       COMMON STOCK     011593100       31     1500 SH       DEFINED                   0        0     1500
ALBERTSONS INC                 COMMON STOCK     013104104       62     1862 SH       DEFINED                 912        0      950
ALBERTSONS INC                 COMMON STOCK     013104104      727    21872 SH       OTHER                 21305        0      567
ALCIDE CORP                    COMMON STOCK     013742507        1       43 SH       DEFINED                   0        0       43
ALCOA INC                      COMMON STOCK     013817101      711    24500 SH       DEFINED                   0        0    24500
ALCOA INC                      COMMON STOCK     013817101     2168    74760 SH       OTHER                 73250        0     1510
ALEXANDER & BALDWIN INC 1 COM  COMMON STOCK     014482103       88     4000 SH       OTHER                  4000        0        0
ALLAIRE CORP                   COMMON STOCK     016714107       40     1089 SH       DEFINED                   0        0     1089
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       27     1000 SH       DEFINED                1000        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       65     2363 SH       OTHER                  2363        0        0
ALLEN TELECOM INC COM          COMMON STOCK     018091108      159     9000 SH       DEFINED                   0        0     9000
ALLEN TELECOM INC COM          COMMON STOCK     018091108        4      200 SH       OTHER                   200        0        0
ALLERGAN INC                   COMMON STOCK     018490102     1512    20300 SH       DEFINED                4900        0    15400
ALLIANCE CAP MGMT HLDG L P     COMMON STOCK     01855A101       57     1200 SH       DEFINED                1200        0        0
ALLIANCE CAP MGMT HLDG L P     COMMON STOCK     01855A101        9      200 SH       OTHER                   200        0        0
ALLIANT CORP                   COMMON STOCK     018802108        5      188 SH       DEFINED                 188        0        0
ALLIANT CORP                   COMMON STOCK     018802108       88     3373 SH       OTHER                  1284        0     2089
ALLIANT TECHSYSTEMS INC        COMMON STOCK     018804104       17      250 SH       DEFINED                 250        0        0
ALLIED CAP CORP COM            COMMON STOCK     01903Q108        2      100 SH       DEFINED                   0        0      100
ALLMERICA FINL CORP COM        COMMON STOCK     019754100      575    10987 SH       DEFINED                   0        0    10987
ALLMERICA FINL CORP COM        COMMON STOCK     019754100      110     2105 SH       OTHER                  2105        0        0
ALLSTATE CORP COM              COMMON STOCK     020002101      806    36227 SH       DEFINED                6187        0    30040
ALLSTATE CORP COM              COMMON STOCK     020002101      955    42913 SH       OTHER                 42913        0        0
ALLTEL CORP 1 COM & 1 TAKEOVER COMMON STOCK     020039103     2532    40874 SH       DEFINED                 528        0    40346
ALLTEL CORP 1 COM & 1 TAKEOVER COMMON STOCK     020039103      818    13207 SH       OTHER                 12932        0      275
ALTEON WEBSYSTEMS INC          COMMON STOCK     02145A109      170     1700 SH       DEFINED                   0        0     1700
ALTERA CORP                    COMMON STOCK     021441100      496     4866 SH       DEFINED                   0        0     4866
ALTERA CORP                    COMMON STOCK     021441100       20      200 SH       OTHER                   150        0       50
ALZA CORP COM                  COMMON STOCK     022615108      700    11843 SH       DEFINED                 500        0    11343
AMAZON COM INC COM             COMMON STOCK     023135106       20      550 SH       DEFINED                   0        0      550
AMAZON COM INC COM             COMMON STOCK     023135106        7      200 SH       OTHER                   200        0        0
AMBAC FINANCIAL GROUP, INC. CO COMMON STOCK     023139108      167     3050 SH       DEFINED                   0        0     3050
AMDOCS LIMITED COM             COMMON STOCK     G02602103     1366    17800 SH       DEFINED                4300        0    13500
AMERADA HESS CORP              COMMON STOCK     023551104       12      200 SH       DEFINED                   0        0      200
AMERCO                         COMMON STOCK     023586100      200    10000 SH       OTHER                 10000        0        0
AMEREN CORP COM                COMMON STOCK     023608102        3      103 SH       DEFINED                 103        0        0
AMEREN CORP COM                COMMON STOCK     023608102       34      998 SH       OTHER                   998        0        0
AMERICA ONLINE INC DEL COM     COMMON STOCK     02364J104      414     7849 SH       DEFINED                5449        0     2400
AMERICA ONLINE INC DEL COM     COMMON STOCK     02364J104     6583   124948 SH       OTHER                112191      505    12252
AMERICAN ELEC PWR INC          COMMON STOCK     025537101      105     3531 SH       DEFINED                2277        0     1254
AMERICAN ELEC PWR INC          COMMON STOCK     025537101      451    15240 SH       OTHER                 14640        0      600
AMERICAN EXPRESS CO            COMMON STOCK     025816109     2481    47603 SH       DEFINED                6753        0    40850
AMERICAN EXPRESS CO            COMMON STOCK     025816109     2990    57370 SH       OTHER                 53101      300     3969
AMERICAN GEN CORP              COMMON STOCK     026351106     1260    20659 SH       DEFINED                 759        0    19900
AMERICAN GEN CORP              COMMON STOCK     026351106     2440    39994 SH       OTHER                 39104        0      890
AMERICAN HOME PRODS CORP       COMMON STOCK     026609107     2758    46937 SH       DEFINED                5170        0    41767
AMERICAN HOME PRODS CORP       COMMON STOCK     026609107     6337   107861 SH       OTHER                106961        0      900
AMERICAN INSD MTG INVS L P SER COMMON STOCK     02686E106       29     3600 SH       OTHER                     0        0     3600
AMERICAN INTL GROUP INC        COMMON STOCK     026874107     3246    27625 SH       DEFINED                1817        0    25808
AMERICAN INTL GROUP INC        COMMON STOCK     026874107    14656   124730 SH       OTHER                116697      100     7933
AMERICAN LOCKER GROUP INC      COMMON STOCK     027284108        3      476 SH       OTHER                   476        0        0
AMERICAN NATL INS CO COM       COMMON STOCK     028591105      319     6255 SH       OTHER                  6255        0        0
AMERICAN PWR CONVERSION CORP   COMMON STOCK     029066107      733    17965 SH       DEFINED               15200        0     2765
AMERICAN PWR CONVERSION CORP   COMMON STOCK     029066107      247     6060 SH       OTHER                  6060        0        0
AMERICAN STD COS INC DEL COM   COMMON STOCK     029712106       60     1454 SH       DEFINED                   0        0     1454
AMERICAN TELESOURCE INTL INC   COMMON STOCK     03018P108        1      200 SH       DEFINED                   0        0      200
AMERICAN VANTAGE COMPANIES     COMMON STOCK     03037B106        0       34 SH       DEFINED                   0        0       34
AMERON INTERNATIONAL CORP      COMMON STOCK     030710107        1       25 SH       DEFINED                   0        0       25
AMFM INC                       COMMON STOCK     001693100     1770    25650 SH       DEFINED                   0        0    25650
AMFM INC                       COMMON STOCK     001693100       45      647 SH       OTHER                   247        0      400
AMGEN INC                      COMMON STOCK     031162100     1631    23210 SH       DEFINED                4485        0    18725
AMGEN INC                      COMMON STOCK     031162100     9743   138685 SH       OTHER                132489     1425     4771
AMR CORP DEL                   COMMON STOCK     001765106      286    10800 SH       DEFINED                   0        0    10800
AMR CORP DEL                   COMMON STOCK     001765106        5      200 SH       OTHER                   200        0        0
AMSOUTH BANCORPORATION 1 COM & COMMON STOCK     032165102      182    11587 SH       DEFINED               11587        0        0
AMSOUTH BANCORPORATION 1 COM & COMMON STOCK     032165102        3      213 SH       OTHER                   213        0        0
ANADARKO PETE CORP 1 COM & 1   COMMON STOCK     032511107        8      172 SH       OTHER                   172        0        0
ANALOG DEVICES INC 1 COM & 1   COMMON STOCK     032654105     2402    31600 SH       DEFINED                   0        0    31600
ANDOVER BANCORP INC DEL COM    COMMON STOCK     034258103        4      150 SH       OTHER                   150        0        0
ANHEUSER BUSCH COS INC 1 COM & COMMON STOCK     035229103      575     7700 SH       DEFINED                5000        0     2700
ANHEUSER BUSCH COS INC 1 COM & COMMON STOCK     035229103     1884    25226 SH       OTHER                 25226        0        0
AON CORP                       COMMON STOCK     037389103      245     7875 SH       OTHER                  7875        0        0
APAC CUSTOMER SERVICES, INC. C COMMON STOCK     00185E106        4      391 SH       OTHER                   391        0        0
APACHE CORP                    COMMON STOCK     037411105      659    11200 SH       DEFINED               11200        0        0
APACHE CORP                    COMMON STOCK     037411105       35      600 SH       OTHER                   300      300        0
APARTMENT INVT & MGMT CO CL A  COMMON STOCK     03748R101       47     1097 SH       DEFINED                   0        0     1097
APOLLO GROUP INC CL A          COMMON STOCK     037604105      252     9000 SH       DEFINED                9000        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100     1089    20800 SH       DEFINED                   0        0    20800
APPLE COMPUTER INC             COMMON STOCK     037833100      550    10502 SH       OTHER                 10502        0        0
APPLIED MATLS INC              COMMON STOCK     038222105     1897    20933 SH       DEFINED                4200        0    16733
APPLIED MATLS INC              COMMON STOCK     038222105      362     3998 SH       OTHER                  3998        0        0
APPLIED MICRO CIRCUITS CORP CO COMMON STOCK     03822W109      257     2600 SH       DEFINED                   0        0     2600
ARCH COAL INC COM              COMMON STOCK     039380100        2      213 SH       OTHER                   213        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102      100    10237 SH       DEFINED                   0        0    10237
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102       11     1123 SH       OTHER                  1123        0        0
ARCHITEL SYSTEMS CORP COM      COMMON STOCK     039917109       55     2082 SH       OTHER                  2082        0        0
ARCHSTONE COMMUNITY TR COM     COMMON STOCK     039581103      209     9900 SH       DEFINED                   0        0     9900
ARCHSTONE COMMUNITY TR COM     COMMON STOCK     039581103       15      720 SH       OTHER                   720        0        0
ARIBA INC                      COMMON STOCK     04033V104       98     1000 SH       DEFINED                   0        0     1000
ARROW ELECTRS INC 1 CMN AND 1  COMMON STOCK     042735100      124     4000 SH       DEFINED                   0        0     4000
ARVIN INDS INC 1 COM & 1 TAKEO COMMON STOCK     043339100        4      250 SH       OTHER                     0        0      250
ASHLAND INC COM                COMMON STOCK     044204105       30      866 SH       OTHER                   866        0        0
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK     046008108      789    35342 SH       DEFINED                 304        0    35038
ASSOCIATES FIRST CAP CORP CL A COMMON STOCK     046008108      425    19048 SH       OTHER                 16662      290     2096
ASTORIA FINL CORP COM          COMMON STOCK     046265104      178     6900 SH       DEFINED                   0        0     6900
ASYST TECHNOLOGIES INC COM     COMMON STOCK     04648X107      132     3866 SH       DEFINED                3866        0        0
AT & T WIRELESS GROUP          COMMON STOCK     001957406      774    27750 SH       DEFINED                   0        0    27750
AT & T WIRELESS GROUP          COMMON STOCK     001957406       84     3000 SH       OTHER                  2900        0      100
AT&T CORP - LIBERTY MEDIA-A    COMMON STOCK     001957208      873    36000 SH       DEFINED                   0        0    36000
AT&T CORP - LIBERTY MEDIA-A    COMMON STOCK     001957208        9      364 SH       OTHER                   364        0        0
ATMEL CORP                     COMMON STOCK     049513104      192     5200 SH       DEFINED                   0        0     5200
ATMOS ENERGY CORP              COMMON STOCK     049560105       19     1059 SH       DEFINED                   0        0     1059
ATMOS ENERGY CORP              COMMON STOCK     049560105       26     1500 SH       OTHER                  1500        0        0
AUDIOVOX CORP CL A             COMMON STOCK     050757103        7      300 SH       DEFINED                   0        0      300
AULT INC COM                   COMMON STOCK     051503100       66    10000 SH       DEFINED                   0        0    10000
AUTOLIV INC COM                COMMON STOCK     052800109        6      254 SH       OTHER                   254        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103     1449    27057 SH       DEFINED               25705        0     1352
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103     6189   115553 SH       OTHER                110368        0     5185
AVERY DENNISON CORP            COMMON STOCK     053611109        7      100 SH       DEFINED                 100        0        0
AVERY DENNISON CORP            COMMON STOCK     053611109       96     1429 SH       OTHER                  1004        0      425
AVISTA CORP                    COMMON STOCK     05379B107        7      400 SH       OTHER                   400        0        0
AVNET INC                      COMMON STOCK     053807103     1289    21753 SH       DEFINED               21753        0        0
AVON PRODS INC                 COMMON STOCK     054303102      276     6200 SH       DEFINED                   0        0     6200
AVON PRODS INC                 COMMON STOCK     054303102       21      470 SH       OTHER                   470        0        0
AXA FINANCIAL INC              COMMON STOCK     002451102        7      206 SH       DEFINED                 206        0        0
AXA FINANCIAL INC              COMMON STOCK     002451102       21      624 SH       OTHER                   624        0        0
BAKER HUGHES INC 1 COM & 1     COMMON STOCK     057224107      650    20310 SH       DEFINED                 410        0    19900
BAKER HUGHES INC 1 COM & 1     COMMON STOCK     057224107      102     3201 SH       OTHER                  3201        0        0
BALDOR ELEC CO 1 COM & 1 TAKEO COMMON STOCK     057741100       24     1278 SH       OTHER                  1278        0        0
BANK NEW YORK INC 1 COM & 1    COMMON STOCK     064057102      182     3920 SH       DEFINED                3920        0        0
BANK NEW YORK INC 1 COM & 1    COMMON STOCK     064057102      920    19787 SH       OTHER                 18787        0     1000
BANK OF AMERICA CORP           COMMON STOCK     060505104     1549    36030 SH       DEFINED                6209        0    29821
BANK OF AMERICA CORP           COMMON STOCK     060505104     1647    38304 SH       OTHER                 36454        0     1850
BANK ONE CORP                  COMMON STOCK     06423A103      264     9921 SH       DEFINED                3531        0     6390
BANK ONE CORP                  COMMON STOCK     06423A103      786    29603 SH       OTHER                 27323      500     1780
BANKNORTH GROUP INC NEW        COMMON STOCK     06646R107       50     3271 SH       DEFINED                   0        0     3271
BARD C R INC 1 COM & 1 TAKEOVE COMMON STOCK     067383109       61     1272 SH       DEFINED                   0        0     1272
BARD C R INC 1 COM & 1 TAKEOVE COMMON STOCK     067383109       24      500 SH       OTHER                   500        0        0
BAUSCH & LOMB INC              COMMON STOCK     071707103      101     1300 SH       DEFINED                   0        0     1300
BAXTER INTL INC                COMMON STOCK     071813109     1723    24500 SH       DEFINED                   0        0    24500
BAXTER INTL INC                COMMON STOCK     071813109      415     5902 SH       OTHER                  5652        0      250
BEA SYSTEMS INC COM            COMMON STOCK     073325102      208     4200 SH       DEFINED                   0        0     4200
BEA SYSTEMS INC COM            COMMON STOCK     073325102        5      100 SH       OTHER                   100        0        0
BEAR STEARNS COS INC           COMMON STOCK     073902108       32      780 SH       OTHER                   780        0        0
BECKMAN COULTER INC COM        COMMON STOCK     075811109      630    10795 SH       DEFINED                5495        0     5300
BECKMAN COULTER INC COM        COMMON STOCK     075811109       58     1000 SH       OTHER                  1000        0        0
BECTON DICKINSON & CO 1 COM &  COMMON STOCK     075887109      132     4600 SH       DEFINED                 200        0     4400
BECTON DICKINSON & CO 1 COM &  COMMON STOCK     075887109       95     3320 SH       OTHER                  2920        0      400
BED BATH & BEYOND INC COM      COMMON STOCK     075896100      655    18065 SH       DEFINED                 250        0    17815
BED BATH & BEYOND INC COM      COMMON STOCK     075896100       34      950 SH       OTHER                   200        0      750
BELL ATLANTIC CORP 1 COM & 1   COMMON STOCK     077853109     2020    39749 SH       DEFINED                5924        0    33825
BELL ATLANTIC CORP 1 COM & 1   COMMON STOCK     077853109     2728    53687 SH       OTHER                 51299        0     2388
BELLSOUTH CORP                 COMMON STOCK     079860102     1486    34864 SH       DEFINED               15364        0    19500
BELLSOUTH CORP                 COMMON STOCK     079860102     4158    97549 SH       OTHER                 94637        0     2912
BELO A H CORP CL A 1 COM & 1   COMMON STOCK     080555105    26643  1538964 SH       DEFINED                   0        0  1538964
BELO A H CORP CL A 1 COM & 1   COMMON STOCK     080555105       62     3600 SH       OTHER                  3600        0        0
BERKSHIRE HATHAWAY INC DEL     COMMON STOCK     084670108       54        1 SH       DEFINED                   0        0        1
BERKSHIRE HATHAWAY INC DEL     COMMON STOCK     084670108      161        3 SH       OTHER                     3        0        0
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670207      127       72 SH       DEFINED                   0        0       72
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670207      176      100 SH       OTHER                   100        0        0
BEST BUY INC                   COMMON STOCK     086516101      502     7944 SH       DEFINED                5700        0     2244
BESTFOODS COM                  COMMON STOCK     08658U101      540     7800 SH       DEFINED                   0        0     7800
BESTFOODS COM                  COMMON STOCK     08658U101     2400    34664 SH       OTHER                 34514        0      150
BILLING CONCEPTS CORP          COMMON STOCK     090063108        3      772 SH       DEFINED                 772        0        0
BIOGEN INC 1 COM & 1 TAKEOVER  COMMON STOCK     090597105      187     2900 SH       DEFINED                   0        0     2900
BIOGEN INC 1 COM & 1 TAKEOVER  COMMON STOCK     090597105        6      100 SH       OTHER                   100        0        0
BIOMATRIX INC                  COMMON STOCK     09060P102        9      400 SH       DEFINED                 400        0        0
BIOMET INC                     COMMON STOCK     090613100      694    18050 SH       DEFINED                 150        0    17900
BIOMET INC                     COMMON STOCK     090613100      233     6060 SH       OTHER                  5860        0      200
BIOVAIL CORP INTL              COMMON STOCK     09067J109       71     1272 SH       DEFINED                   0        0     1272
BJ SVCS CO                     COMMON STOCK     055482103      494     7900 SH       DEFINED                6500        0     1400
BJ SVCS CO                     COMMON STOCK     055482103       88     1400 SH       OTHER                  1400        0        0
BJS WHSL CLUB INC COM          COMMON STOCK     05548J106       92     2803 SH       DEFINED                   0        0     2803
BLACK & DECKER MFG CO 1 COM &  COMMON STOCK     091797100      228     5800 SH       DEFINED                2000        0     3800
BLACK & DECKER MFG CO 1 COM &  COMMON STOCK     091797100       95     2413 SH       OTHER                  2413        0        0
BLACK HILLS CORP               COMMON STOCK     092113109        3      150 SH       DEFINED                 150        0        0
BLOCK H & R INC 1 COM & 1 TAKE COMMON STOCK     093671105      663    20469 SH       DEFINED                   0        0    20469
BLOCK H & R INC 1 COM & 1 TAKE COMMON STOCK     093671105       70     2155 SH       OTHER                  2155        0        0
BLOUNT INTERNATIONAL INC       COMMON STOCK     095180105        0        2 SH       DEFINED                   0        0        2
BLUE DOLPHIN ENERGY CORP       COMMON STOCK     095395208       17     3666 SH       DEFINED                3666        0        0
BLUE DOLPHIN ENERGY CORP       COMMON STOCK     095395208       62    13063 SH       OTHER                 13063        0        0
BLUESTONE SOFTWARE             COMMON STOCK     09623P102        5      200 SH       DEFINED                   0        0      200
BMC SOFTWARE INC               COMMON STOCK     055921100       34      920 SH       OTHER                   920        0        0
BOB EVANS FARMS INC            COMMON STOCK     096761101        7      500 SH       OTHER                     0        0      500
BOEING CO                      COMMON STOCK     097023105      958    22921 SH       DEFINED                3405        0    19516
BOEING CO                      COMMON STOCK     097023105     2406    57545 SH       OTHER                 53024        0     4521
BOISE CASCADE CORP 1 COM & 1   COMMON STOCK     097383103      152     5893 SH       DEFINED                   0        0     5893
BOLT TECHNOLOGY CORP COM       COMMON STOCK     097698104        2      600 SH       DEFINED                   0        0      600
BOOKS-A-MILLION INC COM        COMMON STOCK     098570104        0       50 SH       OTHER                    50        0        0
BORDERS GROUP INC COM          COMMON STOCK     099709107       11      730 SH       OTHER                   730        0        0
BORG WARNER INC.               COMMON STOCK     099724106      259     7376 SH       DEFINED                6105        0     1271
BOSTON LIFE SCIENCES INC COM   COMMON STOCK     100843408       18     2000 SH       DEFINED                   0        0     2000
BOSTON LIFE SCIENCES INC COM   COMMON STOCK     100843408        1      100 SH       OTHER                     0      100        0
BOSTON SCIENTIFIC CORP COM     COMMON STOCK     101137107      463    21122 SH       DEFINED                 322        0    20800
BOSTON SCIENTIFIC CORP COM     COMMON STOCK     101137107       33     1500 SH       OTHER                  1500        0        0
BP PRUDHOE BAY RTY TR UNIT BEN COMMON STOCK     055630107       12     1000 SH       OTHER                  1000        0        0
BRADLEY REAL ESTATE INC COM    COMMON STOCK     104580105       30     1400 SH       OTHER                  1400        0        0
BRASCAN CORP                   COMMON STOCK     10549P606      178    15000 SH       OTHER                 15000        0        0
BRE PPTYS INC CL A 1 COM & 1   COMMON STOCK     05564E106      463    16048 SH       OTHER                 16048        0        0
BREAKAWAY SOLUTIONS INC        COMMON STOCK     106372105       43     1600 SH       DEFINED                   0        0     1600
BRINKER INTL INC               COMMON STOCK     109641100       80     2740 SH       DEFINED                   0        0     2740
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108     5397    92657 SH       DEFINED               13438        0    79219
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108    16376   281125 SH       OTHER                268084     2040    11001
BROADCOM CORPORATION COM       COMMON STOCK     111320107       66      300 SH       DEFINED                   0        0      300
BROADCOM CORPORATION COM       COMMON STOCK     111320107       11       50 SH       OTHER                     0       50        0
BROADVISION INC COM            COMMON STOCK     111412102      122     2400 SH       DEFINED                   0        0     2400
BROADVISION INC COM            COMMON STOCK     111412102       30      600 SH       OTHER                     0      600        0
BROADWING INC                  COMMON STOCK     111620100      849    32721 SH       DEFINED                7800        0    24921
BROADWING INC                  COMMON STOCK     111620100      140     5400 SH       OTHER                  5400        0        0
BROCADE COMMUNICATIONS SYS INC COMMON STOCK     111621108      245     1334 SH       DEFINED                   0        0     1334
BROWN TOM INC                  COMMON STOCK     115660201      715    31000 SH       DEFINED                   0        0    31000
BUCKEYE PARTNERS L P UNIT LTD  COMMON STOCK     118230101      534    19900 SH       OTHER                 19900        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104      633    27584 SH       DEFINED                 384        0    27200
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104      438    19081 SH       OTHER                 19081        0        0
BURLINGTON RES INC COM         COMMON STOCK     122014103      503    13141 SH       DEFINED               10416        0     2725
BURLINGTON RES INC COM         COMMON STOCK     122014103    11114   290571 SH       OTHER                290421        0      150
BURR BROWN CORP COM            COMMON STOCK     122574106      364     4200 SH       DEFINED                4200        0        0
CABLETRON SYS INC              COMMON STOCK     126920107       15      600 SH       OTHER                   600        0        0
CABLEVISION SYS CORP CL A      COMMON STOCK     12686C109      462     6800 SH       DEFINED                   0        0     6800
CABOT OIL & GAS CORP CL A      COMMON STOCK     127097103       85     4000 SH       DEFINED                   0        0     4000
CACI INTL INC FORMERLY CACI IN COMMON STOCK     127190304       17      890 SH       DEFINED                   0        0      890
CALICO COMMERCE INC            COMMON STOCK     129897104        7      400 SH       DEFINED                   0        0      400
CALIFORNIA AMPLIFIER INC       COMMON STOCK     129900106        1       22 SH       DEFINED                   0        0       22
CALIFORNIA WTR SVC GROUP COM   COMMON STOCK     130788102       15      600 SH       DEFINED                   0        0      600
CALPINE CORP COM               COMMON STOCK     131347106      252     3836 SH       DEFINED                   0        0     3836
CAMDEN PPTY TR SH BEN INT      COMMON STOCK     133131102    18981   646159 SH       DEFINED                1920        0   644239
CAMPBELL SOUP CO               COMMON STOCK     134429109       17      600 SH       DEFINED                 200        0      400
CAMPBELL SOUP CO               COMMON STOCK     134429109      328    11250 SH       OTHER                 11250        0        0
CANANDAIGUA BRANDS, INC        COMMON STOCK     137219200       25      500 SH       DEFINED                   0        0      500
CANANDAIGUA BRANDS, INC        COMMON STOCK     137219200        8      150 SH       OTHER                     0        0      150
CAPITAL ONE FINL CORP COM      COMMON STOCK     14040H105      772    17300 SH       DEFINED                   0        0    17300
CAPITAL ONE FINL CORP COM      COMMON STOCK     14040H105       21      480 SH       OTHER                     0        0      480
CAPROCK COMMUNIATIONS CORP     COMMON STOCK     140667106        6      300 SH       OTHER                   300        0        0
CARDINAL HEALTH INC COM        COMMON STOCK     14149Y108      784    10594 SH       DEFINED                5544        0     5050
CARDINAL HEALTH INC COM        COMMON STOCK     14149Y108      110     1483 SH       OTHER                  1163        0      320
CARDIODYNAMICS INTL CORP       COMMON STOCK     141597104        1      100 SH       DEFINED                   0        0      100
CAREMARK RX INC                COMMON STOCK     141705103       64     9400 SH       DEFINED                   0        0     9400
CAREMARK RX INC                COMMON STOCK     141705103        1       93 SH       OTHER                    93        0        0
CARNIVAL CORP                  COMMON STOCK     143658102      472    24200 SH       DEFINED                   0        0    24200
CARNIVAL CORP                  COMMON STOCK     143658102      154     7881 SH       OTHER                  7881        0        0
CASCADE CORP                   COMMON STOCK     147195101      239    20000 SH       OTHER                 20000        0        0
CASH AMERICA INTERNATIONAL INC COMMON STOCK     14754D100        1      100 SH       DEFINED                   0        0      100
CATALINA MKTING                COMMON STOCK     148867104      377     3700 SH       DEFINED                3700        0        0
CATERPILLAR INC 1 COM & TAKEOV COMMON STOCK     149123101      398    11740 SH       DEFINED                 605        0    11135
CATERPILLAR INC 1 COM & TAKEOV COMMON STOCK     149123101      366    10801 SH       OTHER                  9801        0     1000
CAVALIER HOMES INC COM         COMMON STOCK     149507105       83    50973 SH       OTHER                 47842        0     3131
CBRL GROUP INC                 COMMON STOCK     12489V106        4      300 SH       OTHER                     0        0      300
CD WAREHOUSE INC               COMMON STOCK     12512W105        1      400 SH       DEFINED                   0        0      400
CEDAR FAIR L P DEPOSITARY UNIT COMMON STOCK     150185106       65     3400 SH       DEFINED                3400        0        0
CELL PATHWAYS INC              COMMON STOCK     15114R101       12      500 SH       OTHER                   500        0        0
CENDANT CORP COM               COMMON STOCK     151313103      156    11149 SH       DEFINED                 200        0    10949
CENDANT CORP COM               COMMON STOCK     151313103        6      440 SH       OTHER                   440        0        0
CENTURYTEL INC                 COMMON STOCK     156700106      137     4775 SH       DEFINED                 675        0     4100
CENTURYTEL INC                 COMMON STOCK     156700106      295    10269 SH       OTHER                  8969        0     1300
CHAD THERAPEUTICS INC          COMMON STOCK     157228107        0       57 SH       DEFINED                   0        0       57
CHALONE WINE GROUP LTD         COMMON STOCK     157639105        2      200 SH       DEFINED                   0        0      200
CHARTER COMMUNICATIONS INC-A   COMMON STOCK     16117M107      159     9700 SH       DEFINED                   0        0     9700
CHARTER ONE FINL INC COM       COMMON STOCK     160903100       97     4238 SH       DEFINED                   0        0     4238
CHASE MANHATTAN CORP NEW COM   COMMON STOCK     16161A108     3010    65342 SH       DEFINED                5804        0    59538
CHASE MANHATTAN CORP NEW COM   COMMON STOCK     16161A108     5870   127441 SH       OTHER                120603      600     6238
CHECK POINT SOFTWARE TECH COM  COMMON STOCK     M22465104       97      456 SH       DEFINED                   0        0      456
CHECKFREE HOLDINGS CORP COM    COMMON STOCK     162816102       41      800 SH       DEFINED                   0        0      800
CHEESECAKE FACTORY INC COM     COMMON STOCK     163072101      169     6150 SH       DEFINED                6150        0        0
CHEMED CORP                    COMMON STOCK     163596109        6      200 SH       OTHER                   200        0        0
CHEVRON CORP                   COMMON STOCK     166751107     1731    20406 SH       DEFINED                1506        0    18900
CHEVRON CORP                   COMMON STOCK     166751107     5230    61668 SH       OTHER                 59568        0     2100
CHUBB CORP COM                 COMMON STOCK     171232101      752    12220 SH       DEFINED                9600        0     2620
CHUBB CORP COM                 COMMON STOCK     171232101     1142    18576 SH       OTHER                 18236        0      340
CIENA CORP COM                 COMMON STOCK     171779101     1417     8500 SH       DEFINED                   0        0     8500
CIENA CORP COM                 COMMON STOCK     171779101        8       50 SH       OTHER                     0       50        0
CIGNA CORP                     COMMON STOCK     125509109      804     8600 SH       DEFINED                   0        0     8600
CIGNA CORP                     COMMON STOCK     125509109      477     5104 SH       OTHER                  5104        0        0
CINERGY CORP COM               COMMON STOCK     172474108        3      100 SH       DEFINED                 100        0        0
CINERGY CORP COM               COMMON STOCK     172474108       18      700 SH       OTHER                   700        0        0
CINTAS CORP                    COMMON STOCK     172908105      407    11100 SH       DEFINED                 900        0    10200
CIRCUIT CITY STORES INC GRUP   COMMON STOCK     172737108      952    28700 SH       DEFINED                   0        0    28700
CISCO SYS INC                  COMMON STOCK     17275R102    12239   192543 SH       DEFINED               29518        0   163025
CISCO SYS INC                  COMMON STOCK     17275R102    22122   348041 SH       OTHER                320855     5050    22136
CIT GROUP INC CL A             COMMON STOCK     125577106      710    43700 SH       DEFINED               17500        0    26200
CITIGROUP INC                  COMMON STOCK     172967101     6573   109103 SH       DEFINED               10932        0    98171
CITIGROUP INC                  COMMON STOCK     172967101    11150   185068 SH       OTHER                182293        0     2775
CITIZENS COMMUNICATIONS CO     COMMON STOCK     17453B101      490    28415 SH       DEFINED               17658        0    10757
CITIZENS COMMUNICATIONS CO     COMMON STOCK     17453B101     1178    68292 SH       OTHER                 68292        0        0
CITIZENS INC                   COMMON STOCK     174740100        9     1462 SH       OTHER                  1462        0        0
CITY INV CO LIQ TR UBI         COMMON STOCK     177900107        1      700 SH       DEFINED                   0        0      700
CITY NATL CORP COM             COMMON STOCK     178566105       88     2544 SH       DEFINED                   0        0     2544
CLARENT CORP DEL               COMMON STOCK     180461105      100     1400 SH       DEFINED                   0        0     1400
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     2609    34781 SH       DEFINED                4300        0    30481
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102       57      760 SH       OTHER                   760        0        0
CLEARNET COMMUNICATIONS INC CL COMMON STOCK     184902104       67     2400 SH       DEFINED                   0        0     2400
CLEARWORKS.NET INC             COMMON STOCK     185395100       12     2500 SH       DEFINED                   0        0     2500
CLECO CORP NEW                 COMMON STOCK     12561W105       30      900 SH       DEFINED                   0        0      900
CLECO CORP NEW                 COMMON STOCK     12561W105       90     2676 SH       OTHER                  2676        0        0
CLOROX CO                      COMMON STOCK     189054109       93     2080 SH       OTHER                  2080        0        0
CMGI INC                       COMMON STOCK     125750109        9      200 SH       DEFINED                   0        0      200
CMGI INC                       COMMON STOCK     125750109       18      400 SH       OTHER                   400        0        0
CNF TRANSPORTATION INC COM     COMMON STOCK     12612W104       50     2180 SH       DEFINED                   0        0     2180
COASTAL CORP                   COMMON STOCK     190441105      121     1984 SH       DEFINED                1484        0      500
COASTAL CORP                   COMMON STOCK     190441105      466     7651 SH       OTHER                  7651        0        0
COCA COLA CO                   COMMON STOCK     191216100     3642    63410 SH       DEFINED                5930        0    57480
COCA COLA CO                   COMMON STOCK     191216100     9847   171436 SH       OTHER                168536      250     2650
COCA COLA ENTERPRISES INC      COMMON STOCK     191219104       29     1750 SH       DEFINED                 550        0     1200
COCA COLA ENTERPRISES INC      COMMON STOCK     191219104        8      476 SH       OTHER                   476        0        0
COEUR D ALENE MINES CORP IDAHO COMMON STOCK     192108108        9     3500 SH       DEFINED                3500        0        0
COHU INC                       COMMON STOCK     192576106        5      200 SH       DEFINED                   0        0      200
COLGATE PALMOLIVE CO           COMMON STOCK     194162103     2543    42475 SH       DEFINED                 600        0    41875
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      789    13179 SH       OTHER                  9879        0     3300
COLUMBIA ENERGY GROUP          COMMON STOCK     197648108       10      155 SH       OTHER                   155        0        0
COMCAST CORP CL A SPL          COMMON STOCK     200300200      305     7525 SH       DEFINED                   0        0     7525
COMDISCO INC 1 COM & 1 TAKEOVE COMMON STOCK     200336105       58     2600 SH       DEFINED                   0        0     2600
COMERICA INC                   COMMON STOCK     200340107       45     1005 SH       DEFINED                1005        0        0
COMERICA INC                   COMMON STOCK     200340107       25      550 SH       OTHER                     0        0      550
COMMERCE BANCSHARES INC        COMMON STOCK     200525103      244     8200 SH       OTHER                  8200        0        0
COMMERCIAL METALS CO           COMMON STOCK     201723103       14      500 SH       DEFINED                   0        0      500
COMMUNITY HEALTH SYSTEMS       COMMON STOCK     203668108      126     7800 SH       DEFINED                   0        0     7800
COMPAQ COMPUTER CORP 1 COM & 1 COMMON STOCK     204493100      917    35870 SH       DEFINED                4645        0    31225
COMPAQ COMPUTER CORP 1 COM & 1 COMMON STOCK     204493100     2080    81382 SH       OTHER                 76382        0     5000
COMPASS BANCSHARES INC COM     COMMON STOCK     20449H109       36     2100 SH       DEFINED                   0        0     2100
COMPASS BANCSHARES INC COM     COMMON STOCK     20449H109       56     3262 SH       OTHER                  3262        0        0
COMPUCOM SYS INC               COMMON STOCK     204780100        0      100 SH       DEFINED                   0        0      100
COMPUTER ASSOC INTL INC        COMMON STOCK     204912109     1264    24700 SH       DEFINED                   0        0    24700
COMPUTER ASSOC INTL INC        COMMON STOCK     204912109      658    12857 SH       OTHER                 12857        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      299     4000 SH       DEFINED                   0        0     4000
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      171     2290 SH       OTHER                  2290        0        0
COMPUWARE CORP COM             COMMON STOCK     205638109      218    21000 SH       DEFINED                   0        0    21000
COMPUWARE CORP COM             COMMON STOCK     205638109       16     1500 SH       OTHER                  1500        0        0
COMVERSE TECHNOLOGY USD COM    COMMON STOCK     205862402      723     7770 SH       DEFINED                6270        0     1500
CONAGRA INC                    COMMON STOCK     205887102      259    13600 SH       DEFINED                 500        0    13100
CONAGRA INC                    COMMON STOCK     205887102       16      850 SH       OTHER                   850        0        0
CONCORD EFS INC COM            COMMON STOCK     206197105      538    20700 SH       DEFINED               15600        0     5100
CONDOLIDATED WATER CO INC      COMMON STOCK     G23773107        1      100 SH       DEFINED                   0        0      100
CONECTIV INC CLASS A COM       COMMON STOCK     206829202        2      100 SH       OTHER                   100        0        0
CONECTIV INC COM               COMMON STOCK     206829103        2      100 SH       DEFINED                 100        0        0
CONECTIV INC COM               COMMON STOCK     206829103        9      600 SH       OTHER                   600        0        0
CONEXANT SYS INC               COMMON STOCK     207142100      224     4600 SH       DEFINED                   0        0     4600
CONEXANT SYS INC               COMMON STOCK     207142100       62     1278 SH       OTHER                  1278        0        0
CONOCO INC                     COMMON STOCK     208251405       18      736 SH       OTHER                   736        0        0
CONOCO INC-CL A                COMMON STOCK     208251306      387    17600 SH       DEFINED                   0        0    17600
CONSECO INC                    COMMON STOCK     208464107       20     2000 SH       DEFINED                   0        0     2000
CONSECO INC                    COMMON STOCK     208464107       12     1181 SH       OTHER                  1181        0        0
CONSOL ENERGY INC              COMMON STOCK     20854P109      338    22316 SH       DEFINED                   0        0    22316
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104       14      480 SH       DEFINED                 480        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104      175     5896 SH       OTHER                  5896        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       31      948 SH       DEFINED                 948        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       51     1570 SH       OTHER                  1570        0        0
CONVERGYS CORP                 COMMON STOCK     212485106       90     1732 SH       DEFINED                   0        0     1732
CONVERGYS CORP                 COMMON STOCK     212485106      280     5400 SH       OTHER                  5400        0        0
COOPER CAMERON CORP COM        COMMON STOCK     216640102       28      420 SH       OTHER                   420        0        0
COOPER INDUSTRIES INC          COMMON STOCK     216669101       26      800 SH       DEFINED                   0        0      800
COOPER INDUSTRIES INC          COMMON STOCK     216669101        3      100 SH       OTHER                     0        0      100
COOPER TIRE & RUBR CO 1 COM &  COMMON STOCK     216831107       12     1100 SH       OTHER                  1100        0        0
COORS ADOLPH CO CL B           COMMON STOCK     217016104       91     1504 SH       DEFINED                   0        0     1504
COORS ADOLPH CO CL B           COMMON STOCK     217016104       61     1000 SH       OTHER                  1000        0        0
COORSTEK INC-W/I               COMMON STOCK     217020106        4       83 SH       OTHER                    83        0        0
COPPER MTN NETWORKS INC        COMMON STOCK     217510106       79      900 SH       DEFINED                   0        0      900
COR THERAPEUTICS INC           COMMON STOCK     217753102        9      100 SH       OTHER                     0      100        0
CORN PRODS INTL INC COM        COMMON STOCK     219023108       19      700 SH       OTHER                   700        0        0
CORNING INC                    COMMON STOCK     219350105     9697    35930 SH       DEFINED                 100        0    35830
CORNING INC                    COMMON STOCK     219350105      321     1188 SH       OTHER                  1188        0        0
COSTCO WHOLESALE CORP          COMMON STOCK     22160K105     1178    35700 SH       DEFINED                   0        0    35700
COSTCO WHOLESALE CORP          COMMON STOCK     22160K105       52     1570 SH       OTHER                  1170        0      400
COUNTRYWIDE CR INDS INC 1 COM  COMMON STOCK     222372104      409    13500 SH       DEFINED                   0        0    13500
COVAD COMMUNICATIONS GROUP INC COMMON STOCK     222814204      100     6200 SH       DEFINED                   0        0     6200
COX COMMUNICATIONS INC CL A    COMMON STOCK     224044107     1741    38206 SH       DEFINED                   0        0    38206
COX COMMUNICATIONS INC CL A    COMMON STOCK     224044107       14      300 SH       OTHER                   300        0        0
COX RADIO INC CL A             COMMON STOCK     224051102       48     1700 SH       DEFINED                   0        0     1700
CRANE CO 1 COM & 1 TAKEOVER RT COMMON STOCK     224399105       99     4072 SH       OTHER                  4072        0        0
CREDENCE SYS CORP COM          COMMON STOCK     225302108      138     2500 SH       DEFINED                   0        0     2500
CREE, INC                      COMMON STOCK     225447101       13      100 SH       DEFINED                   0        0      100
CRESCENDO PHARMACEUTICALS CORP COMMON STOCK     225637107        1       25 SH       DEFINED                  25        0        0
CRESCENT REAL ESTATE EQUITIES  COMMON STOCK     225756105     1227    59850 SH       DEFINED                   0        0    59850
CRESCENT REAL ESTATE EQUITIES  COMMON STOCK     225756105       38     1834 SH       OTHER                  1834        0        0
CRITICAL PATH INC              COMMON STOCK     22674V100        6      100 SH       OTHER                   100        0        0
CROMPTON CORP                  COMMON STOCK     227116100       14     1108 SH       OTHER                  1108        0        0
CROSS A T CO CL A              COMMON STOCK     227478104       30     6000 SH       DEFINED                   0        0     6000
CROWN CASTLE INTL CORP         COMMON STOCK     228227104       89     2431 SH       DEFINED                   0        0     2431
CROWN CORK & SEAL INC          COMMON STOCK     228255105        5      300 SH       OTHER                   300        0        0
CSX CORP 1 COM & 1 TAKEOVER RT COMMON STOCK     126408103        6      300 SH       DEFINED                 300        0        0
CSX CORP 1 COM & 1 TAKEOVER RT COMMON STOCK     126408103      122     5750 SH       OTHER                  5750        0        0
CULLEN FROST BANKERS INC COM   COMMON STOCK     229899109       16      600 SH       DEFINED                 600        0        0
CULLEN FROST BANKERS INC COM   COMMON STOCK     229899109       93     3516 SH       OTHER                  3516        0        0
CVS CORP COM                   COMMON STOCK     126650100      765    19125 SH       DEFINED                   0        0    19125
CVS CORP COM                   COMMON STOCK     126650100       32      810 SH       OTHER                   810        0        0
CYPRESS SEMICONDUCTOR CORP     COMMON STOCK     232806109      280     6628 SH       DEFINED                   0        0     6628
CYTEC INDS INC COM             COMMON STOCK     232820100       55     2240 SH       DEFINED                   0        0     2240
CYTOGEN CORP                   COMMON STOCK     232824102       20     2000 SH       OTHER                  2000        0        0

</TABLE>
<PAGE>

<TABLE>
<CAPTION>
                                                                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>
DALLAS SEMICONDUCTOR CORP      COMMON STOCK     235204104     6056   148604 SH       DEFINED                   0        0   148604
DANA CORP 1 COM & 1 TAKEOVER R COMMON STOCK     235811106       34     1600 SH       OTHER                  1600        0        0
DANAHER CORP                   COMMON STOCK     235851102      720    14560 SH       OTHER                 14085        0      475
DARDEN RESTAURANTS INC COM     COMMON STOCK     237194105      168    10355 SH       OTHER                 10105      250        0
DATA DIMENSIONS INC COM PAR $0 COMMON STOCK     237654207        1      297 SH       OTHER                   297        0        0
DAVE & BUSTERS INC COM         COMMON STOCK     23833N104        1      200 SH       DEFINED                   0        0      200
DEERE & CO                     COMMON STOCK     244199105      237     6400 SH       DEFINED                 300        0     6100
DEERE & CO                     COMMON STOCK     244199105       14      391 SH       OTHER                   391        0        0
DELHAIZE AMERICA INC-CL B      COMMON STOCK     246688204        1       33 SH       OTHER                    33        0        0
DELL COMPUTER CORP             COMMON STOCK     247025109     2142    43445 SH       DEFINED               20997        0    22448
DELL COMPUTER CORP             COMMON STOCK     247025109     2874    58274 SH       OTHER                 56174      900     1200
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105      360    24700 SH       DEFINED               17000        0     7700
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105      469    32177 SH       OTHER                 32037      140        0
DELTA AIR LINES INC DEL 1 COM  COMMON STOCK     247361108       20      386 SH       OTHER                   386        0        0
DELUXE CORP 1 COM & 1 TAKEOVER COMMON STOCK     248019101        9      400 SH       DEFINED                 400        0        0
DELUXE CORP 1 COM & 1 TAKEOVER COMMON STOCK     248019101       31     1300 SH       OTHER                  1000        0      300
DENTSPLY INTL INC COM          COMMON STOCK     249030107       15      500 SH       DEFINED                   0        0      500
DEVON ENERGY CORPORATION       COMMON STOCK     25179M103      159     2824 SH       DEFINED                 705        0     2119
DEVON ENERGY CORPORATION       COMMON STOCK     25179M103        4       67 SH       OTHER                    67        0        0
DEVRY INC DEL COM              COMMON STOCK     251893103      122     4600 SH       DEFINED                4600        0        0
DIAMOND OFFSHORE DRILLING INC  COMMON STOCK     25271C102       70     2000 SH       OTHER                  2000        0        0
DIAMONDS TRUST SERIES I        COMMON STOCK     252787106      159     1523 SH       OTHER                  1023        0      500
DIEBOLD INC 1 COM & 1 TAKEOVER COMMON STOCK     253651103      882    31625 SH       DEFINED                   0        0    31625
DIGEX INC                      COMMON STOCK     253756100      143     2100 SH       DEFINED                   0        0     2100
DIGEX INC                      COMMON STOCK     253756100        7      100 SH       OTHER                     0      100        0
DIGITAL IS INC DEL             COMMON STOCK     25385N101      165     3392 SH       DEFINED                   0        0     3392
DIGITAL LIGHTWAVE INC          COMMON STOCK     253855100       20      200 SH       OTHER                     0      200        0
DIME BANCORP INC COM           COMMON STOCK     25429Q102       12      770 SH       OTHER                   770        0        0
DIONEX CORP 1 COM & 1 TAKEOVER COMMON STOCK     254546104        4      150 SH       OTHER                   150        0        0
DISNEY WALT CO COM             COMMON STOCK     254687106     2809    72364 SH       DEFINED               25522        0    46842
DISNEY WALT CO COM             COMMON STOCK     254687106     7924   204166 SH       OTHER                191700      100    12366
DIXIE GROUP INC CL A COM       COMMON STOCK     255519100      141    36400 SH       DEFINED                   0        0    36400
DIXON TICONDEROGA CO           COMMON STOCK     255860108        0      100 SH       DEFINED                   0        0      100
DOLE FOODS INC                 COMMON STOCK     256605106       60     4250 SH       DEFINED                   0        0     4250
DOLLAR GEN CORP                COMMON STOCK     256669102       75     3843 SH       DEFINED                   0        0     3843
DOLLAR TREE STORES INC COM     COMMON STOCK     256747106      312     7880 SH       DEFINED                5700        0     2180
DOMINION RES INC VA            COMMON STOCK     25746U109       20      468 SH       DEFINED                 468        0        0
DOMINION RES INC VA            COMMON STOCK     25746U109      390     9105 SH       OTHER                  9105        0        0
DONALDSON CO INC 1 COM & 1     COMMON STOCK     257651109       28     1400 SH       DEFINED                   0        0     1400
DONNELLEY R R & SONS CO 1 COM  COMMON STOCK     257867101       10      450 SH       OTHER                   450        0        0
DORCHESTER HUGOTON LTD DEPOSIT COMMON STOCK     258205202        3      180 SH       DEFINED                 180        0        0
DOUBLECLICK INC COM            COMMON STOCK     258609304        4      100 SH       OTHER                     0      100        0
DOVER CORP 1 COM & 1 TAKEOVER  COMMON STOCK     260003108       89     2200 SH       DEFINED                 800        0     1400
DOVER CORP 1 COM & 1 TAKEOVER  COMMON STOCK     260003108        8      200 SH       OTHER                   200        0        0
DOW CHEM CO                    COMMON STOCK     260543103      485    16059 SH       DEFINED                4959        0    11100
DOW CHEM CO                    COMMON STOCK     260543103     2708    89708 SH       OTHER                 87008        0     2700
DOWNEY FINL CORP COM           COMMON STOCK     261018105       19      661 SH       DEFINED                   0        0      661
DPL INC 1 COM & 1 TAKEOVER RT  COMMON STOCK     233293109       14      619 SH       DEFINED                 619        0        0
DPL INC 1 COM & 1 TAKEOVER RT  COMMON STOCK     233293109      334    15247 SH       OTHER                 14797        0      450
DQE INC                        COMMON STOCK     23329J104       18      453 SH       DEFINED                 453        0        0
DQE INC                        COMMON STOCK     23329J104       13      325 SH       OTHER                   325        0        0
DREW INDUSTRIES INC            COMMON STOCK     26168L205       58     7385 SH       OTHER                  7385        0        0
DREXLER TECHNOLOGY CORP        COMMON STOCK     261876106       24     1850 SH       OTHER                  1850        0        0
DST SYS INC COM                COMMON STOCK     233326107       58      757 SH       DEFINED                   0        0      757
DTE ENERGY CO COM              COMMON STOCK     233331107        6      200 SH       DEFINED                   0        0      200
DTE ENERGY CO COM              COMMON STOCK     233331107        5      175 SH       OTHER                   175        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     1616    36938 SH       DEFINED                4966        0    31972
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     7458   170471 SH       OTHER                161073       50     9348
DUKE ENERGY CORP               COMMON STOCK     264399106      515     9140 SH       DEFINED                6340        0     2800
DUKE ENERGY CORP               COMMON STOCK     264399106     1871    33181 SH       OTHER                 32881        0      300
DUN & BRADSTREET CORP COM      COMMON STOCK     26483B106      202     7050 SH       DEFINED                1450        0     5600
DUN & BRADSTREET CORP COM      COMMON STOCK     26483B106      246     8600 SH       OTHER                  8600        0        0
DUPONT PHOTOMASKS INC COM      COMMON STOCK     26613X101      103     1500 SH       DEFINED                   0        0     1500
DURA PHARMACEUTICALS INC       COMMON STOCK     26632S109      447    31100 SH       DEFINED                   0        0    31100
DYNAMIC OIL & GAS INC          COMMON STOCK     267906105       26    20000 SH       OTHER                 20000        0        0
DYNEGY INC                     COMMON STOCK     26816Q101       33      485 SH       OTHER                   485        0        0
E M C CORP MASS                COMMON STOCK     268648102     5139    66792 SH       DEFINED               15172        0    51620
E M C CORP MASS                COMMON STOCK     268648102    16029   208333 SH       OTHER                196268     1650    10415
E TRADE GROUP INC COM          COMMON STOCK     269246104      264    16000 SH       DEFINED               15000        0     1000
E TRADE GROUP INC COM          COMMON STOCK     269246104       23     1400 SH       OTHER                  1400        0        0
E.PIPHANY INC                  COMMON STOCK     26881V100       86      800 SH       DEFINED                   0        0      800
E-TEK DYNAMICS INC             COMMON STOCK     269240107      237      900 SH       DEFINED                   0        0      900
E-TEK DYNAMICS INC             COMMON STOCK     269240107      106      400 SH       OTHER                   400        0        0
EARTHGRAINS CO COM             COMMON STOCK     270319106       39     2000 SH       OTHER                  2000        0        0
EARTHLINK INC                  COMMON STOCK     270321102      281    18212 SH       DEFINED               12112        0     6100
EASTERN AMERN NAT GAS TR       COMMON STOCK     276217106       14     1000 SH       DEFINED                   0        0     1000
EASTMAN CHEM CO COM            COMMON STOCK     277432100       62     1291 SH       OTHER                  1291        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109      339     5695 SH       DEFINED                 350        0     5345
EASTMAN KODAK CO               COMMON STOCK     277461109      942    15834 SH       OTHER                 15334        0      500
EATON CORP                     COMMON STOCK     278058102      393     5860 SH       OTHER                  5860        0        0
ECHELON CORP                   COMMON STOCK     27874N105        6      100 SH       DEFINED                   0        0      100
ECOLAB INC 1 COM & 1 TAKEOVER  COMMON STOCK     278865100       11      276 SH       OTHER                   276        0        0
EDISON INTL COM                COMMON STOCK     281020107      206    10070 SH       DEFINED               10000        0       70
EDISON INTL COM                COMMON STOCK     281020107      600    29262 SH       OTHER                 28212        0     1050
EDWARDS A G INC                COMMON STOCK     281760108      128     3272 SH       DEFINED                   0        0     3272
EDWARDS A G INC                COMMON STOCK     281760108      118     3020 SH       OTHER                  1525        0     1495
EDWARDS J D & CO COM           COMMON STOCK     281667105      153    10188 SH       DEFINED                   0        0    10188
EDWARDS LIFESCIENCES CORP      COMMON STOCK     28176E108       22     1195 SH       OTHER                  1145        0       50
EEX CORP                       COMMON STOCK     26842V207        1      149 SH       DEFINED                   0        0      149
EGL INC                        COMMON STOCK     268484102      461    15000 SH       DEFINED                   0        0    15000
EGL INC                        COMMON STOCK     268484102       59     1910 SH       OTHER                  1910        0        0
EL PASO ELEC CO COM            COMMON STOCK     283677854       28     2503 SH       OTHER                  2503        0        0
EL PASO ENERGY CORP            COMMON STOCK     283905107      233     4578 SH       DEFINED                   0        0     4578
EL PASO ENERGY CORP            COMMON STOCK     283905107      564    11070 SH       OTHER                 10848       22      200
EL PASO ENERGY PARTNERS LP     COMMON STOCK     28368B102       33     1350 SH       DEFINED                1350        0        0
ELECTRONIC ARTS                COMMON STOCK     285512109      379     5200 SH       DEFINED                   0        0     5200
ELECTRONIC DATA SYS CORP NEW C COMMON STOCK     285661104     1665    40359 SH       DEFINED               11259        0    29100
ELECTRONIC DATA SYS CORP NEW C COMMON STOCK     285661104      935    22656 SH       OTHER                 22456        0      200
ELECTRONICS FOR IMAGING INC CO COMMON STOCK     286082102       44     1756 SH       DEFINED                   0        0     1756
ELI LILLY & CO 1 COM & 1 TAKEO COMMON STOCK     532457108      725     7260 SH       DEFINED                 735        0     6525
ELI LILLY & CO 1 COM & 1 TAKEO COMMON STOCK     532457108     2534    25367 SH       OTHER                 24467      300      600
EMERSON ELEC CO                COMMON STOCK     291011104     2026    33559 SH       DEFINED                7409        0    26150
EMERSON ELEC CO                COMMON STOCK     291011104     4981    82499 SH       OTHER                 77784        0     4715
ENERGEN CORP 1 COM & 1 TAKEOVE COMMON STOCK     29265N108       65     3000 SH       OTHER                  3000        0        0
ENERGIZER HOLDINGS INC         COMMON STOCK     29266R108        7      400 SH       DEFINED                 300        0      100
ENERGIZER HOLDINGS INC         COMMON STOCK     29266R108       50     2742 SH       OTHER                  2742        0        0
ENERGY EAST CORP COM           COMMON STOCK     29266M109       28     1482 SH       OTHER                  1482        0        0
ENNIS BUSINESS FORMS INC       COMMON STOCK     293389102     4747   593435 SH       DEFINED                   0        0   593435
ENRON CORP COM                 COMMON STOCK     293561106     2658    41210 SH       DEFINED                8312        0    32898
ENRON CORP COM                 COMMON STOCK     293561106     4068    63069 SH       OTHER                 60469        0     2600
ENTERCOM COMMUNICATIONS CORP   COMMON STOCK     293639100      391     8017 SH       DEFINED                6000        0     2017
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      372    13700 SH       DEFINED                   0        0    13700
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      262     9642 SH       OTHER                  9642        0        0
ENTRUST TECHNOLOGIES INC       COMMON STOCK     293848107       88     1060 SH       DEFINED                   0        0     1060
EOG RESOURCES, INC             COMMON STOCK     26875P101      371    11080 SH       DEFINED               11080        0        0
EOG RESOURCES, INC             COMMON STOCK     26875P101       23      700 SH       OTHER                   700        0        0
EOTT ENERGY PARTNERS L P UNIT  COMMON STOCK     294103106        7      500 SH       DEFINED                   0        0      500
EOTT ENERGY PARTNERS L P UNIT  COMMON STOCK     294103106        9      600 SH       OTHER                   600        0        0
EQUIFAX INC                    COMMON STOCK     294429105       21      800 SH       DEFINED                 800        0        0
EQUITY OFFICE PPTYS TR COM     COMMON STOCK     294741103        4      140 SH       DEFINED                 140        0        0
EQUITY OFFICE PPTYS TR COM     COMMON STOCK     294741103      562    20400 SH       OTHER                 20310        0       90
EQUITY RESIDENTIAL PPTYS TR SH COMMON STOCK     29476L107       35      765 SH       DEFINED                 765        0        0
EQUITY RESIDENTIAL PPTYS TR SH COMMON STOCK     29476L107      642    13956 SH       OTHER                 13781        0      175
ESC MEDICAL SYSTEMS LIMIT COM  COMMON STOCK     M40868107        1       39 SH       DEFINED                   0        0       39
ETHAN ALLEN INTERIORS INC COM  COMMON STOCK     297602104       75     3117 SH       DEFINED                   0        0     3117
ETHAN ALLEN INTERIORS INC COM  COMMON STOCK     297602104       15      625 SH       OTHER                   400        0      225
EUROPE FD INC COM              COMMON STOCK     29874M103       87     5000 SH       OTHER                  5000        0        0
EXCO RES INC                   COMMON STOCK     269279204       47     4664 SH       OTHER                  4664        0        0
EXIDE CORP COM                 COMMON STOCK     302051107        1      100 SH       DEFINED                   0        0      100
EXODUS COMMUNICATIONS INC COM  COMMON STOCK     302088109      274     5950 SH       DEFINED                   0        0     5950
EXTREME NETWORKS INC           COMMON STOCK     30226D106       83      788 SH       DEFINED                   0        0      788
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102    11941   152112 SH       DEFINED               33874        0   118238
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102    77107   982260 SH       OTHER                961063     8616    12581
EZCORP INC                     COMMON STOCK     302301106        0      100 SH       DEFINED                   0        0      100
FAMILY DLR STORES INC          COMMON STOCK     307000109      135     6900 SH       DEFINED                   0        0     6900
FANNIE MAE                     COMMON STOCK     313586109     2395    45890 SH       DEFINED               18420        0    27470
FANNIE MAE                     COMMON STOCK     313586109     6509   124716 SH       OTHER                124416        0      300
FEDERAL RLTY INVT TR SH BEN IN COMMON STOCK     313747206       27     1350 SH       OTHER                  1350        0        0
FEDERAL SIGNAL CORP 1 COM & 1  COMMON STOCK     313855108      107     6501 SH       OTHER                     0        0     6501
FEDERATED DEPT STORES INC DEL  COMMON STOCK     31410H101      296     8760 SH       DEFINED                   0        0     8760
FEDERATED DEPT STORES INC DEL  COMMON STOCK     31410H101       25      730 SH       OTHER                   730        0        0
FEDEX CORPORATION              COMMON STOCK     31428X106        9      245 SH       DEFINED                   0        0      245
FEDEX CORPORATION              COMMON STOCK     31428X106       83     2175 SH       OTHER                  1400        0      775
FIFTH THIRD BANCORP            COMMON STOCK     316773100       28      450 SH       DEFINED                 450        0        0
FIFTH THIRD BANCORP            COMMON STOCK     316773100      932    14739 SH       OTHER                 14552        0      187
FINOVA GROUP INC COM           COMMON STOCK     317928109       13     1000 SH       OTHER                   800        0      200
FIRST DATA CORP COM            COMMON STOCK     319963104     2363    47620 SH       DEFINED                8570        0    39050
FIRST DATA CORP COM            COMMON STOCK     319963104      216     4350 SH       OTHER                  4050        0      300
FIRST TEAM SPORTS INC          COMMON STOCK     337157101        0      100 SH       DEFINED                   0        0      100
FIRST TENN NATL CORP           COMMON STOCK     337162101       15      900 SH       DEFINED                 900        0        0
FIRST UN CORP                  COMMON STOCK     337358105      435    17549 SH       DEFINED                   0        0    17549
FIRST UN CORP                  COMMON STOCK     337358105      342    13766 SH       OTHER                 12766     1000        0
FIRSTAR CORPORATION            COMMON STOCK     33763V109       28     1347 SH       DEFINED                   0        0     1347
FIRSTAR CORPORATION            COMMON STOCK     33763V109       40     1881 SH       OTHER                  1881        0        0
FIRSTCITY FINL CORP COM        COMMON STOCK     33761X107        0        8 SH       DEFINED                   0        0        8
FIRSTENERGY CORP COM           COMMON STOCK     337932107      570    24400 SH       DEFINED                   0        0    24400
FIRSTENERGY CORP COM           COMMON STOCK     337932107        1       58 SH       OTHER                    58        0        0
FISERV INC                     COMMON STOCK     337738108      420     9700 SH       DEFINED                6000        0     3700
FISERV INC                     COMMON STOCK     337738108       76     1760 SH       OTHER                  1120        0      640
FLEET BOSTON FINANCIAL CORP    COMMON STOCK     339030108     1232    36237 SH       DEFINED                   0        0    36237
FLEET BOSTON FINANCIAL CORP    COMMON STOCK     339030108      415    12197 SH       OTHER                 12197        0        0
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102      403     5863 SH       DEFINED                   0        0     5863
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102       84     1230 SH       OTHER                  1230        0        0
FLORIDA PROGRESS CORP 1 COM &  COMMON STOCK     341109106       19      400 SH       OTHER                   100        0      300
FLOWERS INDS INC 1 COM & 1     COMMON STOCK     343496105      116     5825 SH       DEFINED                   0        0     5825
FLUOR CORP 1 COM & 1 TAKEOVER  COMMON STOCK     343861100      196     6200 SH       DEFINED                   0        0     6200
FLUOR CORP 1 COM & 1 TAKEOVER  COMMON STOCK     343861100       30      950 SH       OTHER                   950        0        0
FMC CORP COM NEW               COMMON STOCK     302491303       63     1091 SH       DEFINED                   0        0     1091
FMC CORP COM NEW               COMMON STOCK     302491303        6      100 SH       OTHER                   100        0        0
FOOTSTAR INC COM               COMMON STOCK     344912100        2       71 SH       OTHER                    71        0        0
FORD MOTOR CO DEL              COMMON STOCK     345370100     1113    25885 SH       DEFINED                 681        0    25204
FORD MOTOR CO DEL              COMMON STOCK     345370100     2792    64919 SH       OTHER                 59763      556     4600
FOREST LABS INC                COMMON STOCK     345838106      889     8800 SH       DEFINED                7000        0     1800
FOREST LABS INC                COMMON STOCK     345838106       51      500 SH       OTHER                     0        0      500
FORT JAMES CORP COM            COMMON STOCK     347471104      557    24100 SH       DEFINED                   0        0    24100
FORTUNE BRANDS INC COM         COMMON STOCK     349631101       35     1500 SH       DEFINED                1500        0        0
FORTUNE BRANDS INC COM         COMMON STOCK     349631101      297    12859 SH       OTHER                 12859        0        0
FPL GROUP INC 1 COM & 1 TAKEOV COMMON STOCK     302571104      134     2700 SH       DEFINED                   0        0     2700
FPL GROUP INC 1 COM & 1 TAKEOV COMMON STOCK     302571104      411     8298 SH       OTHER                  8298        0        0
FRANCHISE FIN CORP AMER COM    COMMON STOCK     351807102       53     2300 SH       DEFINED                   0        0     2300
FRANCHISE FIN CORP AMER COM    COMMON STOCK     351807102       39     1680 SH       OTHER                  1680        0        0
FRANKLIN RES INC               COMMON STOCK     354613101      304    10000 SH       DEFINED                   0        0    10000
FRANKLIN TELECOMMUNICATIONS    COMMON STOCK     354727208       14    15000 SH       DEFINED                8000        0     7000
FRANKLIN UNVL TR SH BEN INT    COMMON STOCK     355145103       23     3150 SH       OTHER                  3150        0        0
FREDDIE MAC                    COMMON STOCK     313400301     1607    39685 SH       DEFINED                5998        0    33687
FREDDIE MAC                    COMMON STOCK     313400301     4221   104234 SH       OTHER                 96511        0     7723
FREEPORT-MCMORAN COPPER & GOLD COMMON STOCK     35671D857       18     1965 SH       OTHER                  1965        0        0
FREEPORT-MCMORAN COPPER INC CL COMMON STOCK     35671D105        1       65 SH       OTHER                    65        0        0
FREMONT GEN CORP               COMMON STOCK     357288109       33     8300 SH       OTHER                  8300        0        0
FRIEDE GOLDMAN INTL INC        COMMON STOCK     358430106        0       49 SH       OTHER                     0        0       49
FRIEDMAN BILLINGS RAMSEY GROUP COMMON STOCK     358433100        4      500 SH       OTHER                   500        0        0
FRONTIER INS GROUP INC NEW     COMMON STOCK     359081106        1      930 SH       OTHER                   930        0        0
FULLER H B CO 1 COM & 1 TAKEOV COMMON STOCK     359694106       32      700 SH       DEFINED                   0        0      700
FULLER H B CO 1 COM & 1 TAKEOV COMMON STOCK     359694106       11      250 SH       OTHER                     0        0      250
FURR'S RESTAURANT GROUP INC    COMMON STOCK     361115603        0       12 SH       DEFINED                   0        0       12
FVNB CORP                      COMMON STOCK     302674106       17      500 SH       DEFINED                 500        0        0
FVNB CORP                      COMMON STOCK     302674106       27      800 SH       OTHER                   800        0        0
FX ENERGY INC COM              COMMON STOCK     302695101       28     5000 SH       OTHER                  5000        0        0
GANNETT INC 1 COM & 1 TAKEOVER COMMON STOCK     364730101      253     4230 SH       DEFINED                1200        0     3030
GANNETT INC 1 COM & 1 TAKEOVER COMMON STOCK     364730101     1335    22327 SH       OTHER                 22027        0      300
GAP INC                        COMMON STOCK     364760108      844    27000 SH       DEFINED                 750        0    26250
GAP INC                        COMMON STOCK     364760108      389    12434 SH       OTHER                 11434        0     1000
GARDENBURGER, INC COM          COMMON STOCK     365476100       13     2300 SH       DEFINED                   0        0     2300
GARTNER GROUP INC-CL           COMMON STOCK     366651206        1      104 SH       DEFINED                 104        0        0
GARTNER GROUP INC-CL           COMMON STOCK     366651206        3      281 SH       OTHER                   281        0        0
GATEWAY INC                    COMMON STOCK     367626108      128     2260 SH       DEFINED                   0        0     2260
GEMSTAR INTL GRP LTD COM       COMMON STOCK     G3788V106       86     1400 SH       DEFINED                   0        0     1400
GEMSTAR INTL GRP LTD COM       COMMON STOCK     G3788V106       12      200 SH       OTHER                   200        0        0
GENE LOGIC INC                 COMMON STOCK     368689105       36     1000 SH       OTHER                  1000        0        0
GENENTECH INC                  COMMON STOCK     368710406      387     2250 SH       DEFINED                   0        0     2250
GENENTECH INC                  COMMON STOCK     368710406       34      200 SH       OTHER                   200        0        0
GENERAL DYNAMICS CORP COM      COMMON STOCK     369550108       47      900 SH       DEFINED                 900        0        0
GENERAL DYNAMICS CORP COM      COMMON STOCK     369550108      227     4354 SH       OTHER                  4354        0        0
GENERAL ELEC CO                COMMON STOCK     369604103    14261   269075 SH       DEFINED               68400        0   200675
GENERAL ELEC CO                COMMON STOCK     369604103    45877   865603 SH       OTHER                831008     1350    33245
GENERAL MILLS INC 1 COM & 1    COMMON STOCK     370334104       23      600 SH       DEFINED                 600        0        0
GENERAL MILLS INC 1 COM & 1    COMMON STOCK     370334104     1175    30725 SH       OTHER                 30225      500        0
GENERAL MTRS CORP              COMMON STOCK     370442105       34      588 SH       DEFINED                 488        0      100
GENERAL MTRS CORP              COMMON STOCK     370442105     3629    62500 SH       OTHER                 61300      200     1000
GENERAL MTRS CORP CL H NEW     COMMON STOCK     370442832      140     1600 SH       DEFINED                   0        0     1600
GENERAL MTRS CORP CL H NEW     COMMON STOCK     370442832      362     4131 SH       OTHER                  4131        0        0
GENERAL SEMICONDUCTOR INC COM  COMMON STOCK     370787103       74     5000 SH       DEFINED                   0        0     5000
GENESIS MICROCHIP INC          COMMON STOCK     371933102       77     4300 SH       DEFINED                   0        0     4300
GENTEX CORP                    COMMON STOCK     371901109      158     6300 SH       DEFINED                   0        0     6300
GENUINE PARTS CO 1 COM & 1     COMMON STOCK     372460105       19      925 SH       OTHER                   675        0      250
GENZYME CORP 1 COM & 1 TAKEOVE COMMON STOCK     372917104      254     4269 SH       DEFINED                3240        0     1029
GEORGIA PAC (GEORGIA-PAC GP)   COMMON STOCK     373298108      213     8100 SH       DEFINED                   0        0     8100
GEORGIA PAC (GEORGIA-PAC GP)   COMMON STOCK     373298108       75     2857 SH       OTHER                  2857        0        0
GEORGIA PACIFIC TIMBER GROUP C COMMON STOCK     373298702       31     1428 SH       OTHER                  1428        0        0
GERBER SCIENTIFIC INC          COMMON STOCK     373730100        1       72 SH       DEFINED                  72        0        0
GERMANY FD INC                 COMMON STOCK     374143105       31     2215 SH       OTHER                  2215        0        0
GERON CORP                     COMMON STOCK     374163103       43     1350 SH       OTHER                  1350        0        0
GILLETTE CO COM                COMMON STOCK     375766102     1861    53279 SH       DEFINED                6510        0    46769
GILLETTE CO COM                COMMON STOCK     375766102     2984    85397 SH       OTHER                 83322       75     2000
GLENAYRE TECHNOLOGIES INC COM  COMMON STOCK     377899109       42     4000 SH       DEFINED                   0        0     4000
GLIATECH INC                   COMMON STOCK     37929C103       10      500 SH       DEFINED                 300        0      200
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100      471    17885 SH       DEFINED                   0        0    17885
GLOBAL CROSSING LTD            COMMON STOCK     G3921A100      403    15300 SH       OTHER                 14500      300      500
GLOBAL INDS LTD COM            COMMON STOCK     379336100        9      500 SH       OTHER                   500        0        0
GLOBAL MARINE INC COM NEW      COMMON STOCK     379352404      668    23700 SH       DEFINED                   0        0    23700
GLOBAL MARINE INC COM NEW      COMMON STOCK     379352404      114     4050 SH       OTHER                  2850        0     1200
GLOBALSTAR TELECOMMUNICATIONS  COMMON STOCK     G3930H104       18     2000 SH       OTHER                  2000        0        0
GOLDEN CYCLE GOLD CORP         COMMON STOCK     380894105        0        2 SH       OTHER                     2        0        0
GOLDEN ST BANCORP INC COM      COMMON STOCK     381197102       18     1000 SH       DEFINED                   0        0     1000
GOLDMAN SACHS GROUP INC        COMMON STOCK     38141G104      385     4056 SH       DEFINED                   0        0     4056
GOLDMAN SACHS GROUP INC        COMMON STOCK     38141G104     1034    10900 SH       OTHER                 10800        0      100
GOODRICH B F CO 1 COM & 1 TAKE COMMON STOCK     382388106       44     1302 SH       OTHER                  1302        0        0
GOODYEAR TIRE & RUBR CO 1 COM  COMMON STOCK     382550101        4      200 SH       DEFINED                 200        0        0
GOODYEAR TIRE & RUBR CO 1 COM  COMMON STOCK     382550101       14      700 SH       OTHER                   700        0        0
GPU INC COM                    COMMON STOCK     36225X100       10      382 SH       DEFINED                 382        0        0
GPU INC COM                    COMMON STOCK     36225X100        8      300 SH       OTHER                   300        0        0
GRAINGER W W INC 1 COM & 1     COMMON STOCK     384802104       12      400 SH       DEFINED                   0        0      400
GRAINGER W W INC 1 COM & 1     COMMON STOCK     384802104       49     1600 SH       OTHER                  1600        0        0
GRANT PRIDECO INC-W/I          COMMON STOCK     38821G101        3      100 SH       OTHER                   100        0        0
GRAPHIC PACKAGING INTERNATIONA COMMON STOCK     388690109        1      332 SH       OTHER                   332        0        0
GRAY COMMUNICATIONS SYS-CL B   COMMON STOCK     389190208     2713   278284 SH       OTHER                278284        0        0
GREAT LAKES CHEM CORP 1 COM &  COMMON STOCK     390568103       19      600 SH       OTHER                   600        0        0
GREEN MOUNTAIN PWR CORP        COMMON STOCK     393154109        8     1000 SH       OTHER                  1000        0        0
GREENPOINT FINL CORP COM       COMMON STOCK     395384100        4      200 SH       OTHER                   200        0        0
GREY WOLF INC COM              COMMON STOCK     397888108        8     1500 SH       DEFINED                   0        0     1500
GREY WOLF INC COM              COMMON STOCK     397888108       55    11000 SH       OTHER                 11000        0        0
GTE CORP                       COMMON STOCK     362320103     2243    36031 SH       DEFINED               11564        0    24467
GTE CORP                       COMMON STOCK     362320103     3566    57293 SH       OTHER                 54968        0     2325
GUIDANT CORP COM               COMMON STOCK     401698105      475     9600 SH       DEFINED                   0        0     9600
GUIDANT CORP COM               COMMON STOCK     401698105      165     3338 SH       OTHER                  2543        0      795
HALLIBURTON CO 1 COM & 1 TAKEO COMMON STOCK     406216101     1409    29850 SH       DEFINED                2700        0    27150
HALLIBURTON CO 1 COM & 1 TAKEO COMMON STOCK     406216101     1987    42117 SH       OTHER                 40792      300     1025
HALLWOOD ENERGY CORP           COMMON STOCK     40636X105        2      186 SH       OTHER                   186        0        0
HARKEN ENERGY CORP             COMMON STOCK     412552101       17    27500 SH       OTHER                 27500        0        0
HARLEY DAVIDSON INC 1 COM & 1  COMMON STOCK     412822108     1672    43417 SH       DEFINED                   0        0    43417
HARLEY DAVIDSON INC 1 COM & 1  COMMON STOCK     412822108     2069    53747 SH       OTHER                 44846        0     8901
HARRIS CORP DEL 1 COM & 1 TAKE COMMON STOCK     413875105      802    24500 SH       DEFINED                   0        0    24500
HARRIS CORP DEL 1 COM & 1 TAKE COMMON STOCK     413875105       16      475 SH       OTHER                   475        0        0
HARTE-HANKS COMMUNICATIONS INC COMMON STOCK     416196103       76     3050 SH       DEFINED                   0        0     3050
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      464     8300 SH       DEFINED                   0        0     8300
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      181     3235 SH       OTHER                  3035        0      200
HARTFORD LIFE INC CL A         COMMON STOCK     416592103       51     1000 SH       DEFINED                1000        0        0
HARTFORD LIFE INC CL A         COMMON STOCK     416592103       45      900 SH       OTHER                   700        0      200
HASBRO INC 1 COM & 1 TAKEOVER  COMMON STOCK     418056107        7      450 SH       OTHER                     0        0      450
HCA-THE HEALTHCARE COMPANY     COMMON STOCK     404119109        3      100 SH       DEFINED                   0        0      100
HCA-THE HEALTHCARE COMPANY     COMMON STOCK     404119109       36     1186 SH       OTHER                  1186        0        0
HEALTH CARE PPTYS INVS INC     COMMON STOCK     421915109       23      832 SH       DEFINED                 832        0        0
HEALTH CARE PPTYS INVS INC     COMMON STOCK     421915109       49     1780 SH       OTHER                  1780        0        0
HEALTH MGMT ASSOC INC NEW CL A COMMON STOCK     421933102      131    10000 SH       DEFINED                   0        0    10000
HEALTHSOUTH CORP COM           COMMON STOCK     421924101        6      843 SH       DEFINED                 843        0        0
HEINZ H J CO                   COMMON STOCK     423074103      911    20815 SH       DEFINED               10665        0    10150
HEINZ H J CO                   COMMON STOCK     423074103      551    12588 SH       OTHER                 12588        0        0
HELEN OF TROY LIMITED          COMMON STOCK     G4388N106      379    67726 SH       OTHER                 67726        0        0
HERCULES INC 1 COM & 1 TAKEOVE COMMON STOCK     427056106       17     1200 SH       OTHER                  1200        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103     5636    45135 SH       DEFINED               10605        0    34530
HEWLETT PACKARD CO             COMMON STOCK     428236103    11405    91330 SH       OTHER                 87355      225     3750
HIGHLANDS INS GROUP INC COM    COMMON STOCK     431032101        0       20 SH       DEFINED                  20        0        0
HILTON HOTELS CORP 1 COM & 1   COMMON STOCK     432848109        1       83 SH       OTHER                    83        0        0
HISPANIC BROADCASTING CORP     COMMON STOCK     43357B104       96     2906 SH       DEFINED                   0        0     2906
HNC SOFTWARE INC COM           COMMON STOCK     40425P107      296     4800 SH       DEFINED                4800        0        0
HOME DEPOT INC                 COMMON STOCK     437076102     6054   121226 SH       DEFINED               12940        0   108286
HOME DEPOT INC                 COMMON STOCK     437076102    13315   266626 SH       OTHER                251792      225    14609
HOME PORT BANCORP INC          COMMON STOCK     437304108        5      200 SH       OTHER                   200        0        0
HOMESTAKE MNG CO 1 COM & 1     COMMON STOCK     437614100        3      400 SH       DEFINED                   0        0      400
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106     1615    47952 SH       DEFINED                8973        0    38979
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106     4633   137521 SH       OTHER                132593      150     4778
HOOPER HOLMES INC              COMMON STOCK     439104100       38     4800 SH       DEFINED                   0        0     4800
HOUSEHOLD INTL INC COM         COMMON STOCK     441815107     1068    25700 SH       DEFINED                   0        0    25700
HOUSEHOLD INTL INC COM         COMMON STOCK     441815107      500    12028 SH       OTHER                  9628     2400        0
HUTTIG BLDG PRODS INC          COMMON STOCK     448451104        4      904 SH       OTHER                   904        0        0
HYSEQ INC COM                  COMMON STOCK     449163302        5      100 SH       DEFINED                   0        0      100
IBASIS INC                     COMMON STOCK     450732102        0        8 SH       OTHER                     8        0        0
ICG COMMUNICATIONS INC COM     COMMON STOCK     449246107      159     7200 SH       DEFINED                   0        0     7200
IDACORP INC                    COMMON STOCK     451107106       13      400 SH       DEFINED                 400        0        0
IDEC PHARMACEUTICALS CORP COM  COMMON STOCK     449370105      258     2200 SH       DEFINED                2200        0        0
IDEXX CORP                     COMMON STOCK     45168D104      162     7069 SH       DEFINED                   0        0     7069
IKON OFFICE SOLUTIONS INC COM  COMMON STOCK     451713101      136    35000 SH       DEFINED                   0        0    35000
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109       35      620 SH       DEFINED                 120        0      500
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109      192     3367 SH       OTHER                  3367        0        0
ILLUMINET HOLDINGS INC         COMMON STOCK     452334105      127     2500 SH       DEFINED                2500        0        0
IMATION CORP COM               COMMON STOCK     45245A107        1       44 SH       DEFINED                  40        0        4
IMATION CORP COM               COMMON STOCK     45245A107       24      800 SH       OTHER                   800        0        0
IMC GLOBAL INC 1 COM & 1       COMMON STOCK     449669100        2      119 SH       OTHER                   119        0        0
IMCO RECYCLING INC COM         COMMON STOCK     449681105        3      500 SH       OTHER                   500        0        0
IMMUNEX CORP COM               COMMON STOCK     452528102       30      600 SH       OTHER                   600        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108      178     9900 SH       DEFINED                5600        0     4300
IMS HEALTH INC COM             COMMON STOCK     449934108      456    25338 SH       OTHER                 25338        0        0
INDEPENDENT BANKSHARES         COMMON STOCK     453841207        9      450 SH       OTHER                   450        0        0
INFINITY BROADCASTING CORP NEW COMMON STOCK     45662S102      766    21012 SH       DEFINED                   0        0    21012
INFINITY BROADCASTING CORP NEW COMMON STOCK     45662S102       22      600 SH       OTHER                   600        0        0
INFORMIX CORP                  COMMON STOCK     456779107       42     5700 SH       DEFINED                4600        0     1100
INFORMIX CORP                  COMMON STOCK     456779107        4      500 SH       OTHER                   500        0        0
INFOSPACE, INC.                COMMON STOCK     45678T102      122     2200 SH       DEFINED                   0        0     2200
INFOSPACE, INC.                COMMON STOCK     45678T102       22      400 SH       OTHER                     0      400        0
INGERSOLL RAND CO              COMMON STOCK     456866102      408    10130 SH       DEFINED                6430        0     3700
INGERSOLL RAND CO              COMMON STOCK     456866102      249     6174 SH       OTHER                  5594        0      580
INGRAM MICRO INC CL A COM      COMMON STOCK     457153104      115     6600 SH       DEFINED                   0        0     6600
INKTOMI CORP COM               COMMON STOCK     457277101      189     1600 SH       DEFINED                   0        0     1600
INPRISE CORPORATION COM        COMMON STOCK     45766C102        1      100 SH       DEFINED                   0        0      100
INTEL CORP COM                 COMMON STOCK     458140100    13466   100726 SH       DEFINED               22507        0    78219
INTEL CORP COM                 COMMON STOCK     458140100    27596   206418 SH       OTHER                194236      500    11682
INTER TEL INC COM              COMMON STOCK     458372109        0        4 SH       DEFINED                   0        0        4
INTER TEL INC COM              COMMON STOCK     458372109        1       50 SH       OTHER                     0       50        0
INTERDIGITAL COMMUNICATIONS CO COMMON STOCK     45866A105      137     8300 SH       DEFINED                   0        0     8300
INTERDIGITAL COMMUNICATIONS CO COMMON STOCK     45866A105       27     1600 SH       OTHER                  1400        0      200
INTERNAP NETWORK SERVICES      COMMON STOCK     45885A102      108     2600 SH       DEFINED                   0        0     2600
INTERNATIONAL BANCSHARES CRP   COMMON STOCK     459044103       78     2402 SH       OTHER                  2402        0        0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101     4699    42892 SH       DEFINED               10966        0    31926
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101    27489   250900 SH       OTHER                246242      800     3858
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101        6      200 SH       DEFINED                 200        0        0
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101       97     3200 SH       OTHER                  3200        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103      249     8350 SH       DEFINED                   0        0     8350
INTERNATIONAL PAPER CO         COMMON STOCK     460146103       92     3101 SH       OTHER                  3101        0        0
INTERNET CAPITAL GROUP INC     COMMON STOCK     46059C106        7      200 SH       DEFINED                   0        0      200
INTERNEURON PHARMACEUTICALS IN COMMON STOCK     460573108       19    10000 SH       DEFINED                   0        0    10000
INTERPORE INTERNATIONAL        COMMON STOCK     46062W107        4      375 SH       DEFINED                   0        0      375
INTERPUBLIC GROUP COS INC 1 CO COMMON STOCK     460690100      344     8000 SH       DEFINED                   0        0     8000
INTERPUBLIC GROUP COS INC 1 CO COMMON STOCK     460690100      102     2374 SH       OTHER                  1134        0     1240
INTERSIL HOLDING CORP          COMMON STOCK     46069S109       65     1200 SH       DEFINED                   0        0     1200
INTERTAN INC                   COMMON STOCK     461120107       26     2250 SH       OTHER                  2250        0        0
INTERVOICE INC 1 COM & 1 TAKEO COMMON STOCK     461142101        3      437 SH       OTHER                   437        0        0
INTIMATE BRANDS INC            COMMON STOCK     461156101      395    20000 SH       DEFINED               20000        0        0
INTRUSION COM INC              COMMON STOCK     46121E106       42     3700 SH       OTHER                  3700        0        0
INTUIT COM                     COMMON STOCK     461202103      439    10600 SH       DEFINED                6100        0     4500
INTUIT COM                     COMMON STOCK     461202103     1558    37650 SH       OTHER                 37150        0      500
INVESTMENT TECHNOLOGY GROUP IN COMMON STOCK     46145F105      372     9413 SH       DEFINED                   0        0     9413
IOMEGA CORP                    COMMON STOCK     462030107        2      487 SH       DEFINED                   0        0      487
IPALCO ENTERPRISES INC         COMMON STOCK     462613100       73     3642 SH       DEFINED                3642        0        0
ISCO INC                       COMMON STOCK     464268101       43    10000 SH       DEFINED                   0        0    10000
ISOLYSER INC COM               COMMON STOCK     464888106        0      110 SH       DEFINED                   0        0      110
ISTAR FINL INC                 COMMON STOCK     45031U101       24     1150 SH       OTHER                     0        0     1150
ITT INDS INC COM               COMMON STOCK     450911102       62     2047 SH       OTHER                  2047        0        0
ITXC CORP                      COMMON STOCK     45069F109      478    13500 SH       DEFINED                   0        0    13500
ITXC CORP                      COMMON STOCK     45069F109        0        8 SH       OTHER                     8        0        0
IVAX CORP                      COMMON STOCK     465823102      199     4800 SH       DEFINED                   0        0     4800
I2 TECHNOLOGIES INC COM        COMMON STOCK     465754109      199     1907 SH       DEFINED                   0        0     1907
JABIL CIRCUIT INC COM          COMMON STOCK     466313103      194     3900 SH       DEFINED                   0        0     3900
JACKPOT ENTERPRISES INC        COMMON STOCK     466392107        4      300 SH       OTHER                   300        0        0
JDS UNIPHASE CORP              COMMON STOCK     46612J101     1407    11734 SH       DEFINED                   0        0    11734
JDS UNIPHASE CORP              COMMON STOCK     46612J101      159     1328 SH       OTHER                     0     1073      255
JEFFERSON PILOT CORP 1 COM & 1 COMMON STOCK     475070108       93     1645 SH       OTHER                  1645        0        0
JETFORM CORPORATION            COMMON STOCK     477155105        1      300 SH       OTHER                   300        0        0
JLG INDS INC                   COMMON STOCK     466210101        0       36 SH       DEFINED                   0        0       36
JOHN HANCOCK FINANCIAL SRVCS   COMMON STOCK     41014S106      542    22900 SH       DEFINED                   0        0    22900
JOHNSON & JOHNSON              COMMON STOCK     478160104     5667    55631 SH       DEFINED               17900        0    37731
JOHNSON & JOHNSON              COMMON STOCK     478160104    16856   165456 SH       OTHER                155190      615     9651
JOHNSON CTLS INC 1 COM & 1     COMMON STOCK     478366107       46      900 SH       OTHER                   900        0        0
JONES APPAREL GROUP INC        COMMON STOCK     480074103       63     2700 SH       DEFINED                   0        0     2700
JONES PHARMA INCORPORATED      COMMON STOCK     480236108        3       63 SH       DEFINED                   0        0       63
JONES PHARMA INCORPORATED      COMMON STOCK     480236108       18      450 SH       OTHER                   450        0        0
JUNIPER NETWORKS INC           COMMON STOCK     48203R104       51      350 SH       DEFINED                   0        0      350
JUSTIN INDS INC 1 COM & 1 TAKE COMMON STOCK     482171105        2      100 SH       DEFINED                   0        0      100
JUSTIN INDS INC 1 COM & 1 TAKE COMMON STOCK     482171105      438    20000 SH       OTHER                     0        0    20000
K MART CORP 1 COM & 1 TAKEOVER COMMON STOCK     482584109      129    19000 SH       DEFINED                   0        0    19000
K MART CORP 1 COM & 1 TAKEOVER COMMON STOCK     482584109       13     1950 SH       OTHER                  1950        0        0
KANA COMMUNICATIONS INC        COMMON STOCK     483600102       68     1100 SH       DEFINED                   0        0     1100
KANEB PIPE LINE PARTNERS L P S COMMON STOCK     484169107       24     1000 SH       DEFINED                1000        0        0
KANEB PIPE LINE PARTNERS L P S COMMON STOCK     484169107      428    17550 SH       OTHER                 17550        0        0
KANSAS CITY PWR & LT CO        COMMON STOCK     485134100       10      450 SH       DEFINED                 450        0        0
KANSAS CITY PWR & LT CO        COMMON STOCK     485134100      279    12378 SH       OTHER                 12378        0        0
KANSAS CITY SOUTHN INDS INC    COMMON STOCK     485170104     1494    16850 SH       DEFINED                   0        0    16850
KBK CAPITAL CORP               COMMON STOCK     482412103        4     1000 SH       DEFINED                   0        0     1000
KEANE INC                      COMMON STOCK     486665102        3      129 SH       DEFINED                   0        0      129
KEEBLER FOODS CO COM           COMMON STOCK     487256109        2       50 SH       DEFINED                   0        0       50
KELLOGG CO                     COMMON STOCK     487836108      119     4000 SH       OTHER                  4000        0        0
KEMPER HIGH INCOME TR SH BEN I COMMON STOCK     48841G106        9     1100 SH       DEFINED                   0        0     1100
KEMPER MULTI-MARKET INCOME TR  COMMON STOCK     48842B106       94    11000 SH       OTHER                 11000        0        0
KENT ELECTRS CORP              COMMON STOCK     490553104       16      550 SH       DEFINED                   0        0      550
KERR MCGEE CORP 1 COM & 1 TAKE COMMON STOCK     492386107       93     1574 SH       DEFINED                   0        0     1574
KERR MCGEE CORP 1 COM & 1 TAKE COMMON STOCK     492386107       42      705 SH       OTHER                   705        0        0
KEY ENERGY SERVICES INC        COMMON STOCK     492914106       19     2000 SH       DEFINED                   0        0     2000
KEYCORP NEW COM                COMMON STOCK     493267108       29     1660 SH       DEFINED                1660        0        0
KEYCORP NEW COM                COMMON STOCK     493267108       68     3835 SH       OTHER                  3835        0        0
KEYNOTE SYSTEMS INC            COMMON STOCK     493308100       56      800 SH       DEFINED                   0        0      800
KEYSPAN CORP                   COMMON STOCK     49337W100       39     1280 SH       DEFINED                   0        0     1280
KEYSPAN CORP                   COMMON STOCK     49337W100       13      438 SH       OTHER                   438        0        0
KIMBERLY CLARK CORP 1 COM & 1  COMMON STOCK     494368103     1916    33403 SH       DEFINED                   0        0    33403
KIMBERLY CLARK CORP 1 COM & 1  COMMON STOCK     494368103     1219    21249 SH       OTHER                 18724        0     2525
KINDER MORGAN ENERGY PARTNERS, COMMON STOCK     494550106       44     1112 SH       DEFINED                1112        0        0
KINDER MORGAN ENERGY PARTNERS, COMMON STOCK     494550106      189     4725 SH       OTHER                  4725        0        0
KINDER MORGAN INC              COMMON STOCK     49455P101       16      450 SH       DEFINED                 450        0        0
KIRBY CORP                     COMMON STOCK     497266106      185     8700 SH       DEFINED                   0        0     8700
KLA-TENCOR CORP COM            COMMON STOCK     482480100      351     6000 SH       DEFINED                   0        0     6000
KNIGHT TRADING GROUP INC       COMMON STOCK     499063105       57     1900 SH       DEFINED                   0        0     1900
KOHLS CORP COM                 COMMON STOCK     500255104     1858    33400 SH       DEFINED                   0        0    33400
KOHLS CORP COM                 COMMON STOCK     500255104      387     6960 SH       OTHER                  3660        0     3300
KRISPY KREME DOUGHNUTS INC     COMMON STOCK     501014104       51      700 SH       OTHER                   700        0        0
KROGER CO                      COMMON STOCK     501044101     1445    65500 SH       DEFINED                   0        0    65500
KROGER CO                      COMMON STOCK     501044101      127     5774 SH       OTHER                  5774        0        0
LABORATORY CRP OF AMER HLDGS   COMMON STOCK     50540R409      212     2750 SH       DEFINED                   0        0     2750
LACLEDE GAS CO 1 COM & 1 TAKEO COMMON STOCK     505588103        3      150 SH       OTHER                   150        0        0
LAFARGE CORP                   COMMON STOCK     505862102        6      283 SH       OTHER                   283        0        0
LAKEHEAD PIPE LINE PARTNERS L  COMMON STOCK     511557100       16      400 SH       DEFINED                 300        0      100
LAKEHEAD PIPE LINE PARTNERS L  COMMON STOCK     511557100        8      200 SH       OTHER                   200        0        0
LANIER WORLDWIDE INC           COMMON STOCK     51589L105        0      475 SH       OTHER                   475        0        0
LASER VISION CTRS INC COM      COMMON STOCK     51807H100        6     1000 SH       DEFINED                   0        0     1000
LASERSCOPE                     COMMON STOCK     518081104       39    25600 SH       DEFINED                   0        0    25600
LASERSIGHT INC                 COMMON STOCK     517924106        0      100 SH       DEFINED                   0        0      100
LATTICE SEMICONDUCTOR CORP     COMMON STOCK     518415104      100     1446 SH       DEFINED                   0        0     1446
LAUDER ESTEE COS INC CL A      COMMON STOCK     518439104     1251    25300 SH       DEFINED                7400        0    17900
LAUDER ESTEE COS INC CL A      COMMON STOCK     518439104       25      500 SH       OTHER                     0        0      500
LEGATO SYS INC COM             COMMON STOCK     524651106        2      100 SH       OTHER                   100        0        0
LEHMAN BROTHERS HLDGS INC COM  COMMON STOCK     524908100      142     1500 SH       DEFINED                   0        0     1500
LEHMAN BROTHERS HLDGS INC COM  COMMON STOCK     524908100       40      420 SH       OTHER                   420        0        0
LENNAR CORP                    COMMON STOCK     526057104       12      606 SH       OTHER                   250        0      356
LEVEL 3 COMMUNICATIONS INC COM COMMON STOCK     52729N100       46      525 SH       DEFINED                   0        0      525
LEVEL 3 COMMUNICATIONS INC COM COMMON STOCK     52729N100      106     1205 SH       OTHER                   790      100      315
LEXMARK INTL GROUP INC CL A    COMMON STOCK     529771107       67     1000 SH       DEFINED                1000        0        0
LEXMARK INTL GROUP INC CL A    COMMON STOCK     529771107      567     8425 SH       OTHER                  8425        0        0
LG&E ENERGY CORP               COMMON STOCK     501917108       16      671 SH       DEFINED                 671        0        0
LG&E ENERGY CORP               COMMON STOCK     501917108       33     1391 SH       OTHER                  1391        0        0
LIFEPOINT HOSPS INC            COMMON STOCK     53219L109        0        5 SH       DEFINED                   0        0        5
LIFEPOINT HOSPS INC            COMMON STOCK     53219L109        1       23 SH       OTHER                    23        0        0
LIMITED INC                    COMMON STOCK     532716107       39     1800 SH       OTHER                  1800        0        0
LINCARE HLDGS INC COM          COMMON STOCK     532791100       89     3604 SH       DEFINED                   0        0     3604
LINCOLN NATL CORP IND 1 COM &  COMMON STOCK     534187109      148     4100 SH       DEFINED                   0        0     4100
LINCOLN NATL CORP IND 1 COM &  COMMON STOCK     534187109       22      618 SH       OTHER                   618        0        0
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106      629     9832 SH       DEFINED                4800        0     5032
LINENS N THINGS INC COM        COMMON STOCK     535679104      271    10000 SH       DEFINED               10000        0        0
LIZ CLAIBORNE INC              COMMON STOCK     539320101        4      100 SH       DEFINED                 100        0        0
LL & E RTY TR UNIT BEN INT     COMMON STOCK     502003106       16     5000 SH       OTHER                  5000        0        0
LOCKHEED MARTIN CORP COM       COMMON STOCK     539830109        2      100 SH       DEFINED                   0        0      100
LOCKHEED MARTIN CORP COM       COMMON STOCK     539830109       92     3712 SH       OTHER                  1534     1578      600
LOEWS CORP                     COMMON STOCK     540424108      155     2590 SH       OTHER                  2590        0        0
LOUISIANA PAC CORP 1 COM & 1   COMMON STOCK     546347105      109    10000 SH       OTHER                 10000        0        0
LOWES COS INC 1 COM & 1 TAKEOV COMMON STOCK     548661107      744    18125 SH       DEFINED                1600        0    16525
LOWES COS INC 1 COM & 1 TAKEOV COMMON STOCK     548661107       53     1280 SH       OTHER                  1280        0        0
LSI LOGIC CORP 1 COM & 1 TAKEO COMMON STOCK     502161102       14      250 SH       DEFINED                   0        0      250
LTV CORP COM                   COMMON STOCK     501921100        0       27 SH       DEFINED                   0        0       27
LUBRIZOL CORP 1 COM & 1 TAKEOV COMMON STOCK     549271104       11      500 SH       OTHER                   500        0        0
LUBY'S INC                     COMMON STOCK     549282101        2      200 SH       DEFINED                   0        0      200
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107     3893    65704 SH       DEFINED               19803        0    45901
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107    21696   366183 SH       OTHER                349032     1412    15739
LUFKIN INDS INC COM            COMMON STOCK     549764108       20     1268 SH       OTHER                  1268        0        0
LUMINANT WORLDWIDE CORP        COMMON STOCK     550260103        1      100 SH       OTHER                   100        0        0
LYONDELL CHEMICAL COMPANY      COMMON STOCK     552078107      327    19500 SH       DEFINED                   0        0    19500
LYONDELL CHEMICAL COMPANY      COMMON STOCK     552078107        3      200 SH       OTHER                   200        0        0

</TABLE>
<PAGE>

<TABLE>
<CAPTION>
                                                                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>
MACK CALI RLTY CORP COM        COMMON STOCK     554489104       68     2634 SH       DEFINED                   0        0     2634
MACROMEDIA INC COM             COMMON STOCK     556100105      145     1500 SH       DEFINED                   0        0     1500
MALLINCKRODT INC NEW COM       COMMON STOCK     561232109      478    11000 SH       OTHER                 11000        0        0
MANPOWER INC WIS               COMMON STOCK     56418H100       58     1800 SH       DEFINED                   0        0     1800
MARCHFIRST INC                 COMMON STOCK     566244109      101     5508 SH       DEFINED                   0        0     5508
MARISA CHRISTINA INC COM       COMMON STOCK     570268102        0       50 SH       DEFINED                   0        0       50
MARRIOTT INTERNATIONAL INC CLA COMMON STOCK     571903202      516    14300 SH       DEFINED                   0        0    14300
MARRIOTT INTERNATIONAL INC CLA COMMON STOCK     571903202       14      400 SH       OTHER                     0        0      400
MARSH & MCLENNAN COS INC 1 COM COMMON STOCK     571748102     2183    20900 SH       DEFINED                7500        0    13400
MARSH & MCLENNAN COS INC 1 COM COMMON STOCK     571748102      384     3675 SH       OTHER                  3675        0        0
MARTIN MARIETTA MATLS INC COM  COMMON STOCK     573284106       89     2198 SH       DEFINED                   0        0     2198
MARTIN MARIETTA MATLS INC COM  COMMON STOCK     573284106       51     1267 SH       OTHER                     0      817      450
MASCO CORP                     COMMON STOCK     574599106      262    14500 SH       DEFINED                   0        0    14500
MASCO CORP                     COMMON STOCK     574599106      102     5620 SH       OTHER                  4120        0     1500
MAXIM INTEGRATED PRODS INC     COMMON STOCK     57772K101      317     4673 SH       DEFINED                   0        0     4673
MAY DEPT STORES CO 1 COM & 1   COMMON STOCK     577778103      366    15270 SH       DEFINED                2100        0    13170
MAY DEPT STORES CO 1 COM & 1   COMMON STOCK     577778103      311    12950 SH       OTHER                 12950        0        0
MAYTAG CORP                    COMMON STOCK     578592107       30      800 SH       OTHER                   800        0        0
MBIA INC 1 COM & 1 TAKEOVER RI COMMON STOCK     55262C100      159     3300 SH       OTHER                  3300        0        0
MBNA CORP                      COMMON STOCK     55262L100      187     6905 SH       OTHER                  6905        0        0
MCCORMICK & CO INC NON VTG     COMMON STOCK     579780206       28      850 SH       DEFINED                   0        0      850
MCCORMICK & CO INC NON VTG     COMMON STOCK     579780206       21      650 SH       OTHER                     0        0      650
MCDONALDS CORP 1 COM & 1 TAKEO COMMON STOCK     580135101     2048    62184 SH       DEFINED                2884        0    59300
MCDONALDS CORP 1 COM & 1 TAKEO COMMON STOCK     580135101     2950    89557 SH       OTHER                 86239        0     3318
MCGRAW-HILL COMPANIES INC      COMMON STOCK     580645109      162     3000 SH       DEFINED                   0        0     3000
MCGRAW-HILL COMPANIES INC      COMMON STOCK     580645109     1227    22726 SH       OTHER                 21876      150      700
MCKESSON HBOC INC              COMMON STOCK     58155Q103       18      837 SH       DEFINED                 300        0      537
MCKESSON HBOC INC              COMMON STOCK     58155Q103      582    27817 SH       OTHER                 27747        0       70
MCLEODUSA INC. COM             COMMON STOCK     582266102     6341   306500 SH       DEFINED              270000        0    36500
MCMORAN EXPLORATION CO         COMMON STOCK     582411104        1       33 SH       OTHER                    33        0        0
MCN ENERGY GROUP INC COM       COMMON STOCK     55267J100        1       68 SH       OTHER                    68        0        0
MDU RES GROUP INC 1 COM & 1    COMMON STOCK     552690109        5      225 SH       DEFINED                 225        0        0
MDU RES GROUP INC 1 COM & 1    COMMON STOCK     552690109      124     5733 SH       OTHER                  5733        0        0
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104      650     9829 SH       DEFINED                9029        0      800
MEDIAONE GROUP INC COM         COMMON STOCK     58440J104      637     9634 SH       OTHER                  9634        0        0
MEDICIS PHARMACEUTICAL CORP CL COMMON STOCK     584690309       48      849 SH       DEFINED                   0        0      849
MEDICIS PHARMACEUTICAL CORP CL COMMON STOCK     584690309       57     1000 SH       OTHER                  1000        0        0
MEDIMMUNE INC COM              COMMON STOCK     584699102      893    12072 SH       DEFINED                   0        0    12072
MEDITRUST CORP PAIRED CTF NEW  COMMON STOCK     58501T306        2      600 SH       OTHER                   600        0        0
MEDTRONIC INC 1 COM & 1 TAKEOV COMMON STOCK     585055106     5235   105096 SH       DEFINED                6018        0    99078
MEDTRONIC INC 1 COM & 1 TAKEOV COMMON STOCK     585055106    12180   244511 SH       OTHER                228367      500    15644
MELLON FINANCIAL CORP          COMMON STOCK     58551A108      931    25550 SH       DEFINED                   0        0    25550
MELLON FINANCIAL CORP          COMMON STOCK     58551A108      146     4015 SH       OTHER                  3615        0      400
MENS WEARHOUSE INC COM         COMMON STOCK     587118100    19225   861625 SH       DEFINED                   0        0   861625
MENTOR GRAPHICS CORP           COMMON STOCK     587200106      119     6000 SH       DEFINED                   0        0     6000
MERCK & CO INC                 COMMON STOCK     589331107     6833    89169 SH       DEFINED               21628        0    67541
MERCK & CO INC                 COMMON STOCK     589331107    14573   190191 SH       OTHER                187307      500     2384
MERCURY INTERACTIVE CORP COM   COMMON STOCK     589405109      135     1400 SH       DEFINED                1400        0        0
MERRILL LYNCH & CO INC 1 COM & COMMON STOCK     590188108     1067     9275 SH       DEFINED                3225        0     6050
MERRILL LYNCH & CO INC 1 COM & COMMON STOCK     590188108     3114    27077 SH       OTHER                 26977        0      100
MESABI TR CTF BEN INT          COMMON STOCK     590672101        6     2000 SH       DEFINED                   0        0     2000
METHODE ELECTRS INC CL A       COMMON STOCK     591520200        2       50 SH       DEFINED                   0        0       50
METRICOM INC COM               COMMON STOCK     591596101        3      110 SH       OTHER                     0      110        0
METRIS COS INC. COM            COMMON STOCK     591598107      418    16650 SH       DEFINED               16650        0        0
METRO-GOLDWYN-MAYER INC COM    COMMON STOCK     591610100      376    14400 SH       DEFINED                   0        0    14400
METROMEDIA FIBER NETWORK INC C COMMON STOCK     591689104      198     5000 SH       DEFINED                   0        0     5000
MFS MULTIMARKET INCOME TR SH B COMMON STOCK     552737108       10     1600 SH       DEFINED                   0        0     1600
MFS MULTIMARKET INCOME TR SH B COMMON STOCK     552737108       12     1950 SH       OTHER                  1950        0        0
MGC COMMUNICATIONS INC COM     COMMON STOCK     552763302      342     5700 SH       DEFINED                   0        0     5700
MGIC INVT CORP WI              COMMON STOCK     552848103        7      150 SH       OTHER                   150        0        0
MGM GRAND INC COM              COMMON STOCK     552953101       84     2600 SH       DEFINED                   0        0     2600
MICREL INC COM                 COMMON STOCK     594793101      304     7000 SH       DEFINED                7000        0        0
MICROCHIP TECHNOLOGY INC COM   COMMON STOCK     595017104      195     3352 SH       DEFINED                 375        0     2977
MICROMUSE INC COM              COMMON STOCK     595094103       83      500 SH       DEFINED                   0        0      500
MICRON TECHNOLOGY INC          COMMON STOCK     595112103      220     2500 SH       DEFINED                   0        0     2500
MICROSOFT CORP                 COMMON STOCK     594918104     7152    89403 SH       DEFINED               13589        0    75814
MICROSOFT CORP                 COMMON STOCK     594918104    16408   205096 SH       OTHER                193708     1398     9990
MID ATLANTIC MED SVCS INC      COMMON STOCK     59523C107      135    10000 SH       DEFINED                   0        0    10000
MIDAS GROUP INC COM            COMMON STOCK     595626102       11      550 SH       OTHER                   550        0        0
MIDWEST EXPRESS HLDGS INC COM  COMMON STOCK     597911106        2      112 SH       DEFINED                   0        0      112
MILLER HERMAN INC              COMMON STOCK     600544100       21      800 SH       OTHER                     0        0      800
MILLIPORE CORP 1 COM & 1 TAKEO COMMON STOCK     601073109       18      240 SH       DEFINED                 240        0        0
MINIMED INC COM                COMMON STOCK     60365K108      118     1000 SH       DEFINED                1000        0        0
MINNESOTA MNG & MFG CO         COMMON STOCK     604059105     1584    19202 SH       DEFINED                7252        0    11950
MINNESOTA MNG & MFG CO         COMMON STOCK     604059105     3166    38380 SH       OTHER                 37520        0      860
MINNESOTA PWR INC              COMMON STOCK     604110106        2      100 SH       DEFINED                 100        0        0
MINNESOTA PWR INC              COMMON STOCK     604110106       23     1300 SH       OTHER                  1300        0        0
MITCHELL ENERGY & DEV CORP     COMMON STOCK     606592301        7      225 SH       OTHER                   225        0        0
MOLEX INC                      COMMON STOCK     608554101      750    15578 SH       DEFINED                6200        0     9378
MOLEX INC CL A                 COMMON STOCK     608554200       55     1562 SH       OTHER                  1562        0        0
MONARCH DENTAL CORP            COMMON STOCK     609044102      981   296054 SH       OTHER                296054        0        0
MONTANA PWR CO                 COMMON STOCK     612085100       35      994 SH       DEFINED                 994        0        0
MONTANA PWR CO                 COMMON STOCK     612085100       35     1000 SH       OTHER                  1000        0        0
MONY GROUP INC                 COMMON STOCK     615337102       21      634 SH       OTHER                   634        0        0
MORGAN J P & CO INC            COMMON STOCK     616880100     2786    25299 SH       OTHER                 25299        0        0
MORGAN STANLEY DEAN WITTER     COMMON STOCK     61745P445       15     2100 SH       OTHER                  2100        0        0
MORGAN STANLEY DEAN WITTER     COMMON STOCK     61745P734       64     4700 SH       OTHER                  4700        0        0
MORGAN STANLEY DEAN WITTER     COMMON STOCK     61745P833       36     2717 SH       OTHER                  2717        0        0
MORGAN STANLEY DEAN WITTER     COMMON STOCK     61745P106       18     2200 SH       DEFINED                2200        0        0
MORGAN STANLEY DEAN WITTER     COMMON STOCK     61745P429       22     2720 SH       OTHER                  2720        0        0
MORGAN STANLEY DEAN WITTER     COMMON STOCK     61745P668       34     2500 SH       OTHER                  2500        0        0
MORGAN STANLEY DEAN WITTER     COMMON STOCK     61745P791       22     1700 SH       OTHER                  1700        0        0
MORGAN STANLEY DEAN WITTER     COMMON STOCK     61745P478       26     2961 SH       OTHER                  2961        0        0
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448     1974    23706 SH       DEFINED               10238        0    13468
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448     3432    41224 SH       OTHER                 40974       50      200
MORGAN STANLEY DEAN WITTER FD  COMMON STOCK     61744H105        7     1043 SH       OTHER                  1043        0        0
MOTO PHOTO INC COM             COMMON STOCK     619821101       11    13500 SH       DEFINED               13500        0        0
MOTOROLA INC                   COMMON STOCK     620076109     3811   131126 SH       DEFINED               18471        0   112655
MOTOROLA INC                   COMMON STOCK     620076109     4972   171096 SH       OTHER                167346      300     3450
MP3.COM INC                    COMMON STOCK     62473M109        2      170 SH       DEFINED                   0        0      170
MUNICIPAL MTG & EQUITY L L C   COMMON STOCK     62624B101       10      495 SH       OTHER                   495        0        0
MUNIYIELD FD INC COM           COMMON STOCK     626299101      196    15878 SH       OTHER                 15878        0        0
MUTUAL RISK MGMT LTD           COMMON STOCK     628351108       44     2543 SH       DEFINED                   0        0     2543
NABISCO GROUP HLDG CORP        COMMON STOCK     62952P102       45     1736 SH       OTHER                  1736        0        0
NABORS INDS INC                COMMON STOCK     629568106      343     8262 SH       DEFINED                   0        0     8262
NATIONAL CITY CORP             COMMON STOCK     635405103        6      360 SH       DEFINED                 360        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103       26     1540 SH       OTHER                  1540        0        0
NATIONAL SEMICONDUCTOR CORP 1  COMMON STOCK     637640103     1017    17925 SH       DEFINED                   0        0    17925
NATIONAL SEMICONDUCTOR CORP 1  COMMON STOCK     637640103       57     1000 SH       OTHER                     0        0     1000
NATIONWIDE FINANCIAL SERVICES  COMMON STOCK     638612101      132     4000 SH       DEFINED                4000        0        0
NATIONWIDE HEALTH PPTYS INC    COMMON STOCK     638620104       68     4900 SH       OTHER                  4900        0        0
NAVISTAR INTL CORP COM         COMMON STOCK     63934E108      264     8490 SH       DEFINED                8390        0      100
NCH CORP                       COMMON STOCK     628850109       25      700 SH       DEFINED                 700        0        0
NCR CORPORATION COM            COMMON STOCK     62886E108      368     9439 SH       DEFINED                9413        0       26
NCR CORPORATION COM            COMMON STOCK     62886E108       34      886 SH       OTHER                   886        0        0
NETWORK APPLIANCE INC COM      COMMON STOCK     64120L104      403     5000 SH       DEFINED                   0        0     5000
NET2PHONE INC                  COMMON STOCK     64108N106        9      250 SH       DEFINED                   0        0      250
NEW CENTY ENERGIES INC COM     COMMON STOCK     64352U103      515    17163 SH       OTHER                 17163        0        0
NEW PLAN EXCEL RLTY TR INC     COMMON STOCK     648053106        9      675 SH       DEFINED                 675        0        0
NEW YORK TIMES CO CL A         COMMON STOCK     650111107      170     4300 SH       DEFINED                   0        0     4300
NEWELL RUBBERMAID INC          COMMON STOCK     651229106      295    11457 SH       DEFINED                 157        0    11300
NEWELL RUBBERMAID INC          COMMON STOCK     651229106      147     5721 SH       OTHER                  5721        0        0
NEWMONT MNG CORP 1 COM & 1     COMMON STOCK     651639106       99     4600 SH       DEFINED                4600        0        0
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107       11      300 SH       DEFINED                   0        0      300
NEWPORT NEWS SHIPBUILDING INC  COMMON STOCK     652228107       11      289 SH       OTHER                   289        0        0
NEXELL THERAPEUTICS INC        COMMON STOCK     65332H203        7      500 SH       OTHER                   500        0        0
NEXTEL COMMUNICATIONS INC CL A COMMON STOCK     65332V103     1432    23400 SH       DEFINED                   0        0    23400
NEXTEL COMMUNICATIONS INC CL A COMMON STOCK     65332V103      122     2000 SH       OTHER                  2000        0        0
NEXTLINK COMMUNICATIONS INC CO COMMON STOCK     65333H707       83     2200 SH       DEFINED                   0        0     2200
NICOR INC                      COMMON STOCK     654086107       39     1200 SH       OTHER                  1200        0        0
NIKE INC CL B                  COMMON STOCK     654106103      205     5145 SH       DEFINED                 195        0     4950
NIKE INC CL B                  COMMON STOCK     654106103       48     1210 SH       OTHER                   810        0      400
NISOURCE INC                   COMMON STOCK     65473P105        4      200 SH       DEFINED                 200        0        0
NISOURCE INC                   COMMON STOCK     65473P105       60     3200 SH       OTHER                  3200        0        0
NL INDS INC COM NEW            COMMON STOCK     629156407        2      110 SH       OTHER                   110        0        0
NOBLE AFFILIATES INC           COMMON STOCK     654894104      853    22900 SH       DEFINED                   0        0    22900
NOBLE DRILLING CORP            COMMON STOCK     655042109      435    10561 SH       DEFINED                   0        0    10561
NOBLE DRILLING CORP            COMMON STOCK     655042109       41     1000 SH       OTHER                  1000        0        0
NORDSON CORP 1 COM & 1 TAKEOVE COMMON STOCK     655663102       22      425 SH       DEFINED                   0        0      425
NORDSTROM INC                  COMMON STOCK     655664100       99     4100 SH       DEFINED                   0        0     4100
NORFOLK SOUTHN CORP            COMMON STOCK     655844108      327    22000 SH       DEFINED                   0        0    22000
NORFOLK SOUTHN CORP            COMMON STOCK     655844108      528    35498 SH       OTHER                 26048     9450        0
NORTHEAST UTILS                COMMON STOCK     664397106      524    24070 SH       DEFINED                   0        0    24070
NORTHERN BORDER PARTNERS L P U COMMON STOCK     664785102       55     2000 SH       DEFINED                2000        0        0
NORTHERN BORDER PARTNERS L P U COMMON STOCK     664785102      183     6700 SH       OTHER                  6700        0        0
NORTHERN STS PWR CO MN         COMMON STOCK     665772109       29     1416 SH       DEFINED                1416        0        0
NORTHERN STS PWR CO MN         COMMON STOCK     665772109       58     2852 SH       OTHER                  2852        0        0
NORTHERN TR CORP 1 COM & 1     COMMON STOCK     665859104      260     4000 SH       DEFINED                   0        0     4000
NORTHERN TR CORP 1 COM & 1     COMMON STOCK     665859104      107     1650 SH       OTHER                  1100        0      550
NORTHFIELD LABORATORIES INC CO COMMON STOCK     666135108        6      390 SH       OTHER                   390        0        0
NORTHROP GRUMMAN CORP 1 COM &  COMMON STOCK     666807102      258     3900 SH       DEFINED                   0        0     3900
NORTHROP GRUMMAN CORP 1 COM &  COMMON STOCK     666807102      530     8000 SH       OTHER                  8000        0        0
NOVELL INC 1 COM & 1 TAKEOVER  COMMON STOCK     670006105        6      600 SH       DEFINED                 600        0        0
NOVELLUS SYS INC               COMMON STOCK     670008101      135     2378 SH       DEFINED                   0        0     2378
NS GROUP INC COM               COMMON STOCK     628916108       63     3000 SH       DEFINED                   0        0     3000
NSTAR -W/I                     COMMON STOCK     67019E107        4      105 SH       DEFINED                 105        0        0
NSTAR -W/I                     COMMON STOCK     67019E107       27      662 SH       OTHER                   662        0        0
NUCOR CORP                     COMMON STOCK     670346105       32      960 SH       OTHER                   960        0        0
NUVEEN SELECT MATURITIES       COMMON STOCK     67061T101      111    10500 SH       OTHER                 10500        0        0
NVIDIA CORP                    COMMON STOCK     67066G104        3       50 SH       OTHER                     0       50        0
OAKLEY INC COM                 COMMON STOCK     673662102        0       40 SH       DEFINED                   0        0       40
OCCIDENTAL PETE CORP 1 COM & 1 COMMON STOCK     674599105      478    22700 SH       DEFINED                   0        0    22700
OCCIDENTAL PETE CORP 1 COM & 1 COMMON STOCK     674599105       35     1671 SH       OTHER                  1671        0        0
OCTEL CORP - W/I COM           COMMON STOCK     675727101        1      150 SH       OTHER                   150        0        0
OFFICE DEPOT INC               COMMON STOCK     676220106       54     8600 SH       DEFINED                   0        0     8600
OFFICE DEPOT INC               COMMON STOCK     676220106       11     1750 SH       OTHER                     0        0     1750
OFFICEMAX INC COM              COMMON STOCK     67622M108        8     1500 SH       DEFINED                1200        0      300
OFFICEMAX INC COM              COMMON STOCK     67622M108        3      500 SH       OTHER                   500        0        0
OGDEN CORP 1 COM & 1 TAKEOVER  COMMON STOCK     676346109        2      200 SH       OTHER                   200        0        0
OGE ENERGY CORP COM            COMMON STOCK     670837103        6      300 SH       DEFINED                 300        0        0
OGE ENERGY CORP COM            COMMON STOCK     670837103       98     5282 SH       OTHER                  5282        0        0
OHIO CAS CORP 1 COM & 1 TAKEOV COMMON STOCK     677240103       26     2400 SH       OTHER                  2400        0        0
OLD REP INTL CORP              COMMON STOCK     680223104       48     2925 SH       OTHER                  2925        0        0
OLIN CORP 1 COM & 1 TAEKOVER R COMMON STOCK     680665205        2      100 SH       OTHER                   100        0        0
OM GROUP INC COM               COMMON STOCK     670872100      145     3300 SH       DEFINED                3300        0        0
OMEGA HEALTHCARE INVS INC COM  COMMON STOCK     681936100        1      275 SH       DEFINED                   0        0      275
OMEGA WORLDWIDE INC COM        COMMON STOCK     68210B108        0       72 SH       DEFINED                   0        0       72
OMNICARE INC                   COMMON STOCK     681904108      214    23600 SH       DEFINED                   0        0    23600
OMNICOM GROUP                  COMMON STOCK     681919106      917    10300 SH       DEFINED                4900        0     5400
OMNICOM GROUP                  COMMON STOCK     681919106        3       30 SH       OTHER                    30        0        0
ONEOK INC COM                  COMMON STOCK     682680103       10      400 SH       DEFINED                 400        0        0
ONI SYSTEMS CORP               COMMON STOCK     68273F103       23      200 SH       DEFINED                   0        0      200
ONI SYSTEMS CORP               COMMON STOCK     68273F103        9       75 SH       OTHER                     0       75        0
ORACLE CORPORATION 1 COM & 1   COMMON STOCK     68389X105    10645   126636 SH       DEFINED               12450        0   114186
ORACLE CORPORATION 1 COM & 1   COMMON STOCK     68389X105     4075    48477 SH       OTHER                 45923      700     1854
ORTHODONTIC CTRS AMER INC COM  COMMON STOCK     68750P103      294    13000 SH       DEFINED               13000        0        0
ORTHOFIX INTL NV               COMMON STOCK     N6748L102        8      447 SH       DEFINED                 447        0        0
OSTEOTECH INC COM              COMMON STOCK     688582105       11     1000 SH       DEFINED                   0        0     1000
OWENS CORNING COM              COMMON STOCK     69073F103        3      350 SH       OTHER                   350        0        0
OXFORD HEALTH PLANS INC        COMMON STOCK     691471106        1       21 SH       DEFINED                   0        0       21
PACCAR INC 1 COM & 1 TAKEOVER  COMMON STOCK     693718108       20      510 SH       OTHER                   510        0        0
PACTIV CORP                    COMMON STOCK     695257105       12     1500 SH       DEFINED                   0        0     1500
PACTIV CORP                    COMMON STOCK     695257105       35     4489 SH       OTHER                  4119      120      250
PAINE WEBBER GROUP INC         COMMON STOCK     695629105      194     4260 SH       OTHER                  4260        0        0
PALL CORP 1 COM & 1 TAKEOVER R COMMON STOCK     696429307       54     2900 SH       DEFINED                1200        0     1700
PALL CORP 1 COM & 1 TAKEOVER R COMMON STOCK     696429307        6      300 SH       OTHER                     0        0      300
PALM INC                       COMMON STOCK     696642107       42     1250 SH       DEFINED                   0        0     1250
PALM INC                       COMMON STOCK     696642107      717    21490 SH       OTHER                 20890        0      600
PANAMERICAN BEVERAGES INC CL A COMMON STOCK     P74823108       30     2000 SH       DEFINED                2000        0        0
PANHANDLE RTY CO               COMMON STOCK     698477106       16     1800 SH       OTHER                  1800        0        0
PAPA JOHNS INTL INC COM        COMMON STOCK     698813102       55     2245 SH       DEFINED                   0        0     2245
PARADYNE CORP                  COMMON STOCK     69911G107       52     1600 SH       DEFINED                   0        0     1600
PARAMETRIC TECHNOLOGY CORP     COMMON STOCK     699173100       69     6300 SH       DEFINED                   0        0     6300
PARKER DRILLING CO             COMMON STOCK     701081101       53     8500 SH       DEFINED                   0        0     8500
PARLUX FRAGRANCES INC          COMMON STOCK     701645103        0      100 SH       DEFINED                   0        0      100
PARTNERRE LTD COM              COMMON STOCK     G6852T105      515    14538 SH       DEFINED               14538        0        0
PATTERSON DENTAL CO COM        COMMON STOCK     703412106       34      665 SH       DEFINED                   0        0      665
PATTERSON ENERGY INC           COMMON STOCK     703414102       68     2400 SH       OTHER                  2400        0        0
PAYCHEX INC                    COMMON STOCK     704326107     1019    24265 SH       DEFINED               19615        0     4650
PAYCHEX INC                    COMMON STOCK     704326107       72     1725 SH       OTHER                  1725        0        0
PCD INC COM                    COMMON STOCK     69318P106        5      600 SH       DEFINED                 600        0        0
PE CORP                        COMMON STOCK     69332S102      606     9200 SH       DEFINED                4000        0     5200
PE CORP                        COMMON STOCK     69332S102       20      300 SH       OTHER                   300        0        0
PE CORP-CELERA GENOMICS-W/I    COMMON STOCK     69332S201      129     1400 SH       DEFINED                 400        0     1000
PE CORP-CELERA GENOMICS-W/I    COMMON STOCK     69332S201      110     1200 SH       OTHER                  1200        0        0
PENDARES PETROLEUM LTD         COMMON STOCK     706905106      213    63250 SH       OTHER                 60000        0     3250
PENN TRAFFIC COMPANY W/I       COMMON STOCK     707832200       19     2816 SH       OTHER                  2816        0        0
PENNEY J C INC 1 COM & 1 TAKEO COMMON STOCK     708160106       15      800 SH       DEFINED                 800        0        0
PENNEY J C INC 1 COM & 1 TAKEO COMMON STOCK     708160106      208    11300 SH       OTHER                 10800        0      500
PENNZOIL-QUAKER ST CO          COMMON STOCK     709323109       19     1576 SH       DEFINED                1576        0        0
PENNZOIL-QUAKER ST CO          COMMON STOCK     709323109        2      150 SH       OTHER                   150        0        0
PEPSI BOTTLING GROUP INC       COMMON STOCK     713409100      198     6782 SH       DEFINED                   0        0     6782
PEPSICO INC                    COMMON STOCK     713448108     3423    77038 SH       DEFINED                6838        0    70200
PEPSICO INC                    COMMON STOCK     713448108    11043   248500 SH       OTHER                245125        0     3375
PEREGRINE SYSTEMS INC COM      COMMON STOCK     71366Q101      399    11500 SH       DEFINED               11500        0        0
PEREGRINE SYSTEMS INC COM      COMMON STOCK     71366Q101        7      200 SH       OTHER                     0      200        0
PERKINELMER, INC               COMMON STOCK     714046109      473     7150 SH       DEFINED                6700        0      450
PERSISTENCE SOFTWARE INC       COMMON STOCK     715329108        5      300 SH       DEFINED                   0        0      300
PERVASIVE SOFTWARE INC COM     COMMON STOCK     715710109     7408  1316932 SH       OTHER               1316932        0        0
PETROLEUM & RES CORP           COMMON STOCK     716549100       20      541 SH       DEFINED                   0        0      541
PETSMART INC COM               COMMON STOCK     716768106       41    12000 SH       DEFINED                   0        0    12000
PFIZER INC                     COMMON STOCK     717081103    12096   252000 SH       DEFINED               70101        0   181899
PFIZER INC                     COMMON STOCK     717081103    21350   444801 SH       OTHER                430317      700    13784
PG&E CORP COM                  COMMON STOCK     69331C108       62     2514 SH       DEFINED                2514        0        0
PG&E CORP COM                  COMMON STOCK     69331C108      185     7494 SH       OTHER                  6811        0      683
PHARMACIA CORP                 COMMON STOCK     71713U102     3873    74929 SH       DEFINED                   0        0    74929
PHARMACIA CORP                 COMMON STOCK     71713U102     1762    34095 SH       OTHER                 34095        0        0
PHELPS DODGE CORP 1 COM & 1    COMMON STOCK     717265102       67     1800 SH       DEFINED                1800        0        0
PHELPS DODGE CORP 1 COM & 1    COMMON STOCK     717265102      328     8809 SH       OTHER                  8809        0        0
PHILADELPHIA SUBN CORP COM PAR COMMON STOCK     718009608        3      143 SH       DEFINED                 143        0        0
PHILIP MORRIS COS COM          COMMON STOCK     718154107     1054    39690 SH       DEFINED                   0        0    39690
PHILIP MORRIS COS COM          COMMON STOCK     718154107     1324    49841 SH       OTHER                 49841        0        0
PHILLIPS PETE CO 1 COM & 1     COMMON STOCK     718507106      559    11025 SH       DEFINED                   0        0    11025
PHILLIPS PETE CO 1 COM & 1     COMMON STOCK     718507106     1833    36161 SH       OTHER                 36161        0        0
PHOENIX INTERNATIONAL LTD, INC COMMON STOCK     719078107       75    25000 SH       DEFINED               25000        0        0
PHOTRONICS INC COM             COMMON STOCK     719405102       76     2665 SH       DEFINED                   0        0     2665
PIEDMONT NAT GAS INC           COMMON STOCK     720186105       11      400 SH       OTHER                   400        0        0
PIONEER NAT RES CO COM         COMMON STOCK     723787107       15     1152 SH       DEFINED                1014        0      138
PIONEER NAT RES CO COM         COMMON STOCK     723787107        8      603 SH       OTHER                   603        0        0
PITNEY BOWES INC 1 COM & 1     COMMON STOCK     724479100       16      400 SH       DEFINED                 400        0        0
PITNEY BOWES INC 1 COM & 1     COMMON STOCK     724479100      556    13903 SH       OTHER                 13653        0      250
PLAINS ALL AMERN PIPELINE L P  COMMON STOCK     726503105      931    50000 SH       OTHER                 50000        0        0
PLEXUS CORP COM                COMMON STOCK     729132100       18      162 SH       DEFINED                   0        0      162
PLUM CREEK TIMBER CO INC       COMMON STOCK     729251108      476    18300 SH       OTHER                 18300        0        0
PMC SIERRA INC COM             COMMON STOCK     69344F106      302     1700 SH       DEFINED                   0        0     1700
PMC SIERRA INC COM             COMMON STOCK     69344F106        7       38 SH       OTHER                    38        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      375     8000 SH       DEFINED                   0        0     8000
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105       12      250 SH       OTHER                   250        0        0
POLYCOM INC COM                COMMON STOCK     73172K104      546     5800 SH       DEFINED                5100        0      700
PORTAL SOFTWARE INC            COMMON STOCK     736126103      165     2588 SH       DEFINED                   0        0     2588
POSSIS CORP                    COMMON STOCK     737407106       10     1600 SH       DEFINED                   0        0     1600
POSSIS CORP                    COMMON STOCK     737407106        4      700 SH       OTHER                     0        0      700
POST PPTYS INC COM             COMMON STOCK     737464107        5      123 SH       OTHER                   123        0        0
POTOMAC ELEC PWR CO            COMMON STOCK     737679100       43     1737 SH       DEFINED                1737        0        0
POTOMAC ELEC PWR CO            COMMON STOCK     737679100       33     1300 SH       OTHER                  1300        0        0
POWERTEL INC                   COMMON STOCK     73936C109       62      878 SH       DEFINED                   0        0      878
PPG INDS INC 1 COM & 1 TAKEOVE COMMON STOCK     693506107      146     3300 SH       DEFINED                   0        0     3300
PPG INDS INC 1 COM & 1 TAKEOVE COMMON STOCK     693506107      236     5320 SH       OTHER                  3320        0     2000
PRAXAIR INC COM                COMMON STOCK     74005P104      251     6700 SH       DEFINED                 300        0     6400
PRAXAIR INC COM                COMMON STOCK     74005P104     1219    32550 SH       OTHER                 32550        0        0
PREMIER PKS INC COM            COMMON STOCK     740540208      342    15035 SH       DEFINED               15035        0        0
PRICE COMMUNICATION CORP       COMMON STOCK     741437305      700    29700 SH       DEFINED               12000        0    17700
PRIME ENERGY CORP              COMMON STOCK     74158E104       10     2000 SH       OTHER                  2000        0        0
PRISON REALTY TRUST INC        COMMON STOCK     74264N105        0       22 SH       DEFINED                   0        0       22
PRIZE ENERGY CORP              COMMON STOCK     74267L106        3      142 SH       DEFINED                 142        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     1778    31049 SH       DEFINED               17312        0    13737
PROCTER & GAMBLE CO            COMMON STOCK     742718109    11791   205950 SH       OTHER                198299       75     7576
PROGRESSIVE CORP OHIO          COMMON STOCK     743315103       37      500 SH       DEFINED                 500        0        0
PROLOGIS TRUST COM             COMMON STOCK     743410102      369    17303 SH       DEFINED                1630        0    15673
PROLOGIS TRUST COM             COMMON STOCK     743410102      895    41985 SH       OTHER                 41635        0      350
PROTECTIVE LIFE CORP 1 COM & 1 COMMON STOCK     743674103       84     3149 SH       DEFINED                   0        0     3149
PROVIDIAN FINL CORP COM        COMMON STOCK     74406A102      108     1200 SH       DEFINED                1200        0        0
PSINET INC                     COMMON STOCK     74437C101       85     3400 SH       DEFINED                   0        0     3400
PUBLIC STORAGE INC COM         COMMON STOCK     74460D109       14      600 SH       DEFINED                 600        0        0
PUBLIC STORAGE INC COM         COMMON STOCK     74460D109      162     6898 SH       OTHER                  6898        0        0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK     744573106      277     8000 SH       DEFINED                   0        0     8000
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK     744573106      134     3880 SH       OTHER                  3880        0        0
PUGET SOUND ENERGY INC         COMMON STOCK     745332106       20      960 SH       DEFINED                 100        0      860
PUGET SOUND ENERGY INC         COMMON STOCK     745332106       15      700 SH       OTHER                   700        0        0
PUTNAM MASTER INTER INCOME TR  COMMON STOCK     746909100       88    14070 SH       OTHER                 14070        0        0
QUAKER OATS CO 1 COM & 1 TAKEO COMMON STOCK     747402105       96     1278 SH       DEFINED                1250        0       28
QUAKER OATS CO 1 COM & 1 TAKEO COMMON STOCK     747402105      726     9669 SH       OTHER                  9669        0        0
QUALCOMM INC                   COMMON STOCK     747525103       30      500 SH       DEFINED                   0        0      500
QUALCOMM INC                   COMMON STOCK     747525103       95     1580 SH       OTHER                  1000      480      100
QUANEX CORP                    COMMON STOCK     747620102       15     1000 SH       OTHER                  1000        0        0
QUEST SOFTWARE INC             COMMON STOCK     74834T103       28      500 SH       DEFINED                   0        0      500
QUINTILES TRANSNATIONAL CORP C COMMON STOCK     748767100        1      100 SH       OTHER                   100        0        0
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109      117     2350 SH       DEFINED                1000        0     1350
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109      588    11834 SH       OTHER                 11334      500        0
R & B FALCON CORP COM          COMMON STOCK     74912E101      365    15500 SH       DEFINED               15000        0      500
R H DONNELLEY CORP             COMMON STOCK     74955W307        2       80 SH       DEFINED                  80        0        0
R H DONNELLEY CORP             COMMON STOCK     74955W307        7      373 SH       OTHER                   373        0        0
R J REYNOLDS TOBACCO HOLD      COMMON STOCK     76182K105       16      585 SH       OTHER                   585        0        0
RADIAN GROUP INC               COMMON STOCK     750236101      127     2452 SH       DEFINED                   0        0     2452
RADIOSHACK CORP                COMMON STOCK     750438103      175     3700 SH       DEFINED                   0        0     3700
RADIOSHACK CORP                COMMON STOCK     750438103     1459    30800 SH       OTHER                 30800        0        0
RALSTON PURINA GROUP COM       COMMON STOCK     751277302       26     1300 SH       DEFINED                 900        0      400
RALSTON PURINA GROUP COM       COMMON STOCK     751277302      164     8226 SH       OTHER                  8226        0        0
RATIONAL SOFTWARE CORP COM     COMMON STOCK     75409P202      237     2551 SH       DEFINED                   0        0     2551
RAWLINGS SPORTING GOODS CO     COMMON STOCK     754459105        7     1000 SH       DEFINED                   0        0     1000
RAYOVAC CORPORATION COM        COMMON STOCK     755081106      121     5400 SH       DEFINED                5400        0        0
RAYTHEON CO CL A               COMMON STOCK     755111309      589    30306 SH       DEFINED                   0        0    30306
RAYTHEON CO CL A               COMMON STOCK     755111309      103     5281 SH       OTHER                  5268       13        0
RAYTHEON CO CL B               COMMON STOCK     755111408      254    13204 SH       OTHER                 13104        0      100
RCN CORP COM                   COMMON STOCK     749361101        5      200 SH       DEFINED                   0        0      200
REAL NETWORKS INC COM          COMMON STOCK     75605L104      131     2600 SH       DEFINED                   0        0     2600
REALTY INCOME CORP COM         COMMON STOCK     756109104       12      525 SH       DEFINED                 525        0        0
REDBACK NETWORKS INC           COMMON STOCK     757209101       36      200 SH       DEFINED                   0        0      200
REGIONS FINL CORP COM          COMMON STOCK     758940100       19      955 SH       OTHER                   216        0      739
RELIANCE STL & ALUM CO COM     COMMON STOCK     759509102       86     4500 SH       DEFINED                   0        0     4500
RELIANT ENERGY INC             COMMON STOCK     75952J108      458    15486 SH       DEFINED                   0        0    15486
RELIANT ENERGY INC             COMMON STOCK     75952J108     1637    55376 SH       OTHER                 51376        0     4000
RELIASTAR FINL CORP COM        COMMON STOCK     75952U103      404     7700 SH       DEFINED                   0        0     7700
REPUBLIC SERVICES INC CL A COM COMMON STOCK     760759100       96     6000 SH       DEFINED                   0        0     6000
RESEARCH IN MOTION             COMMON STOCK     760975102      226     5000 SH       DEFINED                5000        0        0
RESMED INC                     COMMON STOCK     761152107        6      232 SH       DEFINED                   0        0      232
RESPIRONICS INC COM            COMMON STOCK     761230101        1       50 SH       DEFINED                   0        0       50
RESPONSE ONCOLOGY INC FORMERLY COMMON STOCK     761232305        0      165 SH       OTHER                   165        0        0
REVLON INC CL A                COMMON STOCK     761525500        0       10 SH       OTHER                    10        0        0
REXALL SUNDOWN INC COM         COMMON STOCK     761648104       11      460 SH       DEFINED                   0        0      460
REYNOLDS & REYNOLDS CO CL A    COMMON STOCK     761695105      364    19920 SH       OTHER                 19920        0        0
RF MICRO DEVICES INC COM       COMMON STOCK     749941100       91     1044 SH       DEFINED                   0        0     1044
RGS ENERGY GROUP, INC          COMMON STOCK     74956K104       22     1000 SH       OTHER                     0        0     1000
RITE AID CORP 1 COM & 1 TAKEOV COMMON STOCK     767754104       19     2842 SH       DEFINED                1592        0     1250
ROBERT HALF INTL INC 1 COM & 1 COMMON STOCK     770323103      787    27630 SH       DEFINED               27630        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109      189     6000 SH       DEFINED                   0        0     6000
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109       39     1228 SH       OTHER                  1228        0        0
ROCKY MTN CHOCOLATE FACTORY IN COMMON STOCK     774678403        0      100 SH       DEFINED                   0        0      100
ROHM & HAAS CO                 COMMON STOCK     775371107      136     3954 SH       DEFINED                 554        0     3400
ROHM & HAAS CO                 COMMON STOCK     775371107      263     7622 SH       OTHER                  7375        0      247
ROSS STORES INC                COMMON STOCK     778296103       60     3513 SH       DEFINED                   0        0     3513
ROSS STORES INC                COMMON STOCK     778296103      135     7914 SH       OTHER                  7914        0        0
ROWAN COS INC 1 COM & 1 TAKEOV COMMON STOCK     779382100        2       75 SH       DEFINED                   0        0       75
ROWECOM INC                    COMMON STOCK     77957X108        4      800 SH       DEFINED                   0        0      800
ROYAL CARRIBEAN CRUISE         COMMON STOCK     V7780T103        4      200 SH       DEFINED                   0        0      200
RPC INC                        COMMON STOCK     749660106       46     4400 SH       DEFINED                   0        0     4400
RPM INC OHIO                   COMMON STOCK     749685103        9      877 SH       DEFINED                 877        0        0
RURAL CELLULAR CORP CL A       COMMON STOCK     781904107      643     8400 SH       DEFINED                   0        0     8400
SABINE RTY TR UNIT BEN INT     COMMON STOCK     785688102       89     5519 SH       DEFINED                4519        0     1000
SABINE RTY TR UNIT BEN INT     COMMON STOCK     785688102      671    41797 SH       OTHER                 41797        0        0
SABRE HOLDINGS CORPORATION     COMMON STOCK     785905100      507    17804 SH       DEFINED                   0        0    17804
SABRE HOLDINGS CORPORATION     COMMON STOCK     785905100        4      144 SH       OTHER                   144        0        0
SAFEGAURD SCIENTIFICS INC COM  COMMON STOCK     786449108       41     1271 SH       DEFINED                   0        0     1271
SAFEWAY INC COM NEW            COMMON STOCK     786514208     1033    22945 SH       DEFINED                  88        0    22857
SAFEWAY INC COM NEW            COMMON STOCK     786514208     2373    52733 SH       OTHER                 47877        0     4856
SAKS INCORPORATED              COMMON STOCK     79377W108       47     4500 SH       DEFINED                   0        0     4500
SAKS INCORPORATED              COMMON STOCK     79377W108        5      500 SH       OTHER                   500        0        0
SAN JUAN BASIN RTY TR          COMMON STOCK     798241105       20     2000 SH       OTHER                  2000        0        0
SANDISK CORP COM               COMMON STOCK     80004C101     1120    18300 SH       DEFINED                   0        0    18300
SANMINA CORP COM               COMMON STOCK     800907107      131     1529 SH       DEFINED                   0        0     1529
SANPAOLO-IMI                   COMMON STOCK     799175104      159     4500 SH       DEFINED                   0        0     4500
SANTA FE SNYDER CORP           COMMON STOCK     80218K105       29     2578 SH       DEFINED                   0        0     2578
SANTA FE SNYDER CORP           COMMON STOCK     80218K105        3      221 SH       OTHER                   221        0        0
SARA LEE CORP                  COMMON STOCK     803111103      192     9950 SH       DEFINED                8950        0     1000
SARA LEE CORP                  COMMON STOCK     803111103      848    43900 SH       OTHER                 42000      100     1800
SBC COMMUNICATIONS INC COM     COMMON STOCK     78387G103     4613   106648 SH       DEFINED               38000        0    68648
SBC COMMUNICATIONS INC COM     COMMON STOCK     78387G103    20448   472780 SH       OTHER                452774     2450    17556
SCANA CORP-W/I                 COMMON STOCK     80589M102        5      203 SH       DEFINED                 203        0        0
SCANA CORP-W/I                 COMMON STOCK     80589M102       23      973 SH       OTHER                   973        0        0
SCANSOFT INC                   COMMON STOCK     80603P107        1      419 SH       OTHER                   419        0        0
SCHERING PLOUGH CORP 1 COM & 1 COMMON STOCK     806605101     4780    94650 SH       DEFINED               12000        0    82650
SCHERING PLOUGH CORP 1 COM & 1 COMMON STOCK     806605101     7684   152150 SH       OTHER                150900      200     1050
SCHLOTZSKYS INC COM            COMMON STOCK     806832101       34     6000 SH       DEFINED                   0        0     6000
SCHWAB CHARLES CORP NEW        COMMON STOCK     808513105      262     7799 SH       DEFINED                2806        0     4993
SCHWAB CHARLES CORP NEW        COMMON STOCK     808513105     4851   144282 SH       OTHER                139042        0     5240
SCHWEITZER-MAUDUIT INTL INC CO COMMON STOCK     808541106        1       50 SH       OTHER                    50        0        0
SCI SYS INC                    COMMON STOCK     783890106       85     2165 SH       DEFINED                   0        0     2165
SCIENTIFIC ATLANTA INC 1 COM & COMMON STOCK     808655104     1565    21000 SH       DEFINED                   0        0    21000
SCRIPPS HOWARD INC COM         COMMON STOCK     811054204       86     1756 SH       DEFINED                   0        0     1756
SCUDDER NEW ASIA FD INC        COMMON STOCK     811183102        9      609 SH       DEFINED                 609        0        0
SEAGATE TECHNOLOGY 1 COM & 1   COMMON STOCK     811804103       28      500 SH       DEFINED                   0        0      500
SEAGATE TECHNOLOGY 1 COM & 1   COMMON STOCK     811804103       39      700 SH       OTHER                   700        0        0
SEALED AIR CORP COM            COMMON STOCK     81211K100       84     1600 SH       DEFINED                   0        0     1600
SEALED AIR CORP COM            COMMON STOCK     81211K100       76     1449 SH       OTHER                  1449        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      521    15970 SH       DEFINED                6870        0     9100
SEARS ROEBUCK & CO             COMMON STOCK     812387108      321     9826 SH       OTHER                  9826        0        0
SECOND BANCORP INC             COMMON STOCK     813114105        3      222 SH       OTHER                   222        0        0
SECTOR SPDR TR                 COMMON STOCK     81369Y308       67     2645 SH       OTHER                  2645        0        0
SEITAL INC COM                 COMMON STOCK     816074306        8     1000 SH       DEFINED                 800        0      200
SEMPRA ENERGY COM              COMMON STOCK     816851109       16      950 SH       DEFINED                 950        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109      193    11350 SH       OTHER                 11350        0        0
SEMTECH CORP COM               COMMON STOCK     816850101      487     6372 SH       DEFINED                5100        0     1272
SENIOR HIGH INCOME PORTFOLIO I COMMON STOCK     81721E107        7     1026 SH       OTHER                  1026        0        0
SENSORMATIC ELECTRS CORP       COMMON STOCK     817265101        5      330 SH       DEFINED                 330        0        0
SEPRACOR INC                   COMMON STOCK     817315104       58      484 SH       DEFINED                   0        0      484
SERVICE CORP INTL 1 COM & 1    COMMON STOCK     817565104       12     3890 SH       DEFINED                 400        0     3490
SERVICE CORP INTL 1 COM & 1    COMMON STOCK     817565104       93    29261 SH       OTHER                 27261        0     2000
SERVICEMASTER CO COM           COMMON STOCK     81760N109       17     1518 SH       DEFINED                1518        0        0
SHERWIN WILLIAMS CO            COMMON STOCK     824348106       93     4400 SH       DEFINED                   0        0     4400
SHERWIN WILLIAMS CO            COMMON STOCK     824348106      505    23834 SH       OTHER                 23834        0        0
SHURGARD STORAGE CTRS INC CL A COMMON STOCK     82567D104       11      470 SH       OTHER                   470        0        0
SICOR INC                      COMMON STOCK     825846108       12     1548 SH       DEFINED                1548        0        0
SIEBEL SYS INC COM             COMMON STOCK     826170102      409     2500 SH       DEFINED                   0        0     2500
SIERRA PACIFIC RESOURCES       COMMON STOCK     826428104        2      144 SH       DEFINED                 144        0        0
SIGMA ALDRICH CORP             COMMON STOCK     826552101       20      700 SH       DEFINED                   0        0      700
SILICON IMAGE INC              COMMON STOCK     82705T102       85     1700 SH       DEFINED                   0        0     1700
SILICON VY GROUP INC           COMMON STOCK     827066101       78     3000 SH       DEFINED                   0        0     3000
SIMON PROPERTY GROUP INC       COMMON STOCK     828806109      247    11150 SH       OTHER                 11150        0        0
SIMPSON INDS INC               COMMON STOCK     829060102        5      600 SH       OTHER                     0        0      600
SINCLAIR BROADCAST GROUP INC C COMMON STOCK     829226109      140    12700 SH       DEFINED                   0        0    12700
SIRIUS SATELLITE RADIO INC     COMMON STOCK     82966U103       71     1600 SH       DEFINED                   0        0     1600
SLM HLDG CORP COM              COMMON STOCK     78442A109      205     5485 SH       OTHER                  5485        0        0
SMITH INTL INC COM             COMMON STOCK     832110100      112     1544 SH       DEFINED                   0        0     1544
SNAP ON INC 1 COM & 1          COMMON STOCK     833034101       25      950 SH       DEFINED                   0        0      950
SNAP ON INC 1 COM & 1          COMMON STOCK     833034101        5      200 SH       OTHER                     0        0      200
SOLECTRON CORP                 COMMON STOCK     834182107     1449    34600 SH       DEFINED                   0        0    34600
SOLECTRON CORP                 COMMON STOCK     834182107     1288    30770 SH       OTHER                 26845        0     3925
SOLUTIA INC COM                COMMON STOCK     834376105        2      180 SH       DEFINED                   0        0      180
SOLUTIA INC COM                COMMON STOCK     834376105       22     1600 SH       OTHER                  1600        0        0
SONOCO PRODS CO                COMMON STOCK     835495102       24     1150 SH       DEFINED                   0        0     1150
SONOCO PRODS CO                COMMON STOCK     835495102       18      867 SH       OTHER                   867        0        0
SONUS NETWORKS INC             COMMON STOCK     835916107       24      150 SH       DEFINED                   0        0      150
SOTHEBYS HLDGS INC CL A        COMMON STOCK     835898107        4      200 SH       OTHER                   200        0        0
SOUTHDOWN INC COM              COMMON STOCK     841297104       80     1393 SH       DEFINED                   0        0     1393
SOUTHDOWN INC COM              COMMON STOCK     841297104      623    10785 SH       OTHER                 10785        0        0
SOUTHERN CO                    COMMON STOCK     842587107      147     6324 SH       DEFINED                6124        0      200
SOUTHERN CO                    COMMON STOCK     842587107      853    36594 SH       OTHER                 36594        0        0
SOUTHERN ENERGY HOMES INC COM  COMMON STOCK     842814105        0      200 SH       DEFINED                   0        0      200
SOUTHTRUST CORP                COMMON STOCK     844730101       48     2100 SH       OTHER                  2100        0        0
SOUTHWEST AIRLS CO 1 COM & 1   COMMON STOCK     844741108       81     4303 SH       DEFINED                4303        0        0
SOUTHWEST AIRLS CO 1 COM & 1   COMMON STOCK     844741108      829    43801 SH       OTHER                 39731        0     4070
SOUTHWEST SECS GROUP INC COM   COMMON STOCK     845224104       61     1637 SH       OTHER                  1637        0        0
SPDR TR UNIT SER 1             COMMON STOCK     78462F103      149     1028 SH       DEFINED                 300      370      358
SPDR TR UNIT SER 1             COMMON STOCK     78462F103      644     4430 SH       OTHER                  4330        0      100
SPECTRASITE HOLDINGS INC       COMMON STOCK     84760T100      482    17000 SH       DEFINED               17000        0        0
SPEEDFAM-IPEC INC              COMMON STOCK     847705100       91     5000 SH       DEFINED                   0        0     5000
SPIEKER PPTYS INC COM          COMMON STOCK     848497103        6      130 SH       DEFINED                 130        0        0
SPIEKER PPTYS INC COM          COMMON STOCK     848497103      977    21245 SH       OTHER                 20930        0      315
SPRINT CORP (PCS GROUP)        COMMON STOCK     852061506      518     8700 SH       DEFINED                7700        0     1000
SPRINT CORP (PCS GROUP)        COMMON STOCK     852061506      381     6398 SH       OTHER                  6398        0        0
SPRINT CORP COM                COMMON STOCK     852061100     1439    28225 SH       DEFINED                6775        0    21450
SPRINT CORP COM                COMMON STOCK     852061100      508     9956 SH       OTHER                  9956        0        0
SPX CORP                       COMMON STOCK     784635104      171     1417 SH       DEFINED                   0        0     1417
SPX CORP                       COMMON STOCK     784635104       78      648 SH       OTHER                   648        0        0
ST JOE COMPANY COM             COMMON STOCK     790148100       12      400 SH       DEFINED                   0        0      400
ST JUDE MED INC 1 COM & 1 TAKE COMMON STOCK     790849103      578    12600 SH       DEFINED                   0        0    12600
ST PAUL COS INC                COMMON STOCK     792860108      229     6700 SH       DEFINED                   0        0     6700
ST PAUL COS INC                COMMON STOCK     792860108       85     2500 SH       OTHER                  2500        0        0
STAPLES INC                    COMMON STOCK     855030102      268    17450 SH       DEFINED                 600        0    16850
STARBUCKS CORP COM             COMMON STOCK     855244109      416    10900 SH       DEFINED                   0        0    10900
STARWOOD HOTELS & RESORTS      COMMON STOCK     85590A203       51     1571 SH       OTHER                  1571        0        0
STATE STREET CORP COM          COMMON STOCK     857477103      652     6147 SH       DEFINED                 162        0     5985
STATE STREET CORP COM          COMMON STOCK     857477103     3558    33542 SH       OTHER                 31543        0     1999
STEWART ENTERPRISES INC CL A   COMMON STOCK     860370105        1      200 SH       DEFINED                   0        0      200
STEWART INFORMATION SVCS CORP  COMMON STOCK     860372101       53     3600 SH       OTHER                  3600        0        0
STORAGE USA INC COM            COMMON STOCK     861907103        6      200 SH       OTHER                   200        0        0
STRATUS PROPERTIES INC COM     COMMON STOCK     863167102        0       80 SH       OTHER                    80        0        0
STURM RUGER & CO INC           COMMON STOCK     864159108        0       40 SH       DEFINED                   0        0       40
SUIZA FOODS CORP COM           COMMON STOCK     865077101     1740    35607 SH       DEFINED                   0        0    35607
SUIZA FOODS CORP COM           COMMON STOCK     865077101       12      242 SH       OTHER                   242        0        0
SUMMIT TECHNOLOGY INC          COMMON STOCK     86627E101      491    26000 SH       DEFINED               26000        0        0
SUN MICROSYSTEMS INC COM       COMMON STOCK     866810104     3992    43895 SH       DEFINED                2125        0    41770
SUN MICROSYSTEMS INC COM       COMMON STOCK     866810104     4655    51189 SH       OTHER                 48388      500     2301
SUNGARD DATA SYS INC           COMMON STOCK     867363103     1493    48165 SH       DEFINED               11100        0    37065
SUNLIFE FINANCIAL SVCS CAN     COMMON STOCK     866796105      208    12300 SH       DEFINED                   0        0    12300
SUNLIFE FINANCIAL SVCS CAN     COMMON STOCK     866796105      144     8506 SH       OTHER                  5816        0     2690
SUNOCO INC                     COMMON STOCK     86764P109       39     1330 SH       OTHER                  1330        0        0
SUNTRUST BKS INC               COMMON STOCK     867914103      109     2395 SH       DEFINED                2395        0        0
SUNTRUST BKS INC               COMMON STOCK     867914103      336     7350 SH       OTHER                  7350        0        0
SUPERVALU INC COM              COMMON STOCK     868536103       70     3678 SH       DEFINED                   0        0     3678
SUPERVALU INC COM              COMMON STOCK     868536103       72     3774 SH       OTHER                  3774        0        0
SYBASE INC                     COMMON STOCK     871130100        2      100 SH       DEFINED                   0        0      100
SYBRON INTL CORP COM           COMMON STOCK     87114F106      526    26529 SH       DEFINED               11000        0    15529
SYCAMORE NETWORKS INC          COMMON STOCK     871206108        8       75 SH       OTHER                     0       75        0
SYLVAN LEARNING SYS INC COM    COMMON STOCK     871399101      132     9600 SH       DEFINED                   0        0     9600
SYMANTEC CORP                  COMMON STOCK     871503108      340     6300 SH       DEFINED                6300        0        0
SYMBOL TECHNOLOGIES INC        COMMON STOCK     871508107      533     9862 SH       DEFINED                9700        0      162
SYMBOL TECHNOLOGIES INC        COMMON STOCK     871508107       97     1800 SH       OTHER                  1800        0        0
SYNCOR INTL CORP NEW           COMMON STOCK     87157J106       36      500 SH       OTHER                   500        0        0
SYNOPSYS INC COM               COMMON STOCK     871607107      195     5650 SH       DEFINED                3400        0     2250
SYNOVUS FINL CORP              COMMON STOCK     87161C105       36     2025 SH       DEFINED                2025        0        0
SYNTROLEUM CORP                COMMON STOCK     871630109        3      198 SH       OTHER                   198        0        0
SYSCO CORP                     COMMON STOCK     871829107      219     5200 SH       DEFINED                   0        0     5200
SYSCO CORP                     COMMON STOCK     871829107      353     8390 SH       OTHER                  8390        0        0
S1 CORPORATION                 COMMON STOCK     78463B101       30     1300 SH       DEFINED                   0        0     1300

</TABLE>
<PAGE>

<TABLE>
<CAPTION>
                                                                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>
T R W INC 1 COM & 1 TAKEOVER R COMMON STOCK     872649108      808    18636 SH       OTHER                 17136        0     1500
T-HQ INC COM NEW               COMMON STOCK     872443403        7      600 SH       OTHER                   600        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      696    21000 SH       DEFINED               21000        0        0
TANDYCRAFTS INC COM            COMMON STOCK     875386104        8     3000 SH       DEFINED                   0        0     3000
TARGET CORP                    COMMON STOCK     87612E106      301     5194 SH       DEFINED                3842        0     1352
TARGET CORP                    COMMON STOCK     87612E106     5120    88279 SH       OTHER                 82734        0     5545
TASEKO MINES LTD               COMMON STOCK     876511106        7     7000 SH       DEFINED                   0        0     7000
TC PIPELINES LP                COMMON STOCK     87233Q108      520    31500 SH       OTHER                 31500        0        0
TCF FINANCIAL 1 COM & 1 TAKEOV COMMON STOCK     872275102       61     2363 SH       DEFINED                   0        0     2363
TCW DEAN WITTER TERM TRUST 200 COMMON STOCK     87234T101        9     1000 SH       OTHER                  1000        0        0
TD WATERHOUSE GROUP            COMMON STOCK     872362108      381    22000 SH       DEFINED               22000        0        0
TECH DATA CORP                 COMMON STOCK     878237106        2       37 SH       OTHER                    37        0        0
TECO ENERGY INC 1 COM & 1 TAKE COMMON STOCK     872375100        2      100 SH       DEFINED                 100        0        0
TECO ENERGY INC 1 COM & 1 TAKE COMMON STOCK     872375100      194     9680 SH       OTHER                  9680        0        0
TEKELEC COM                    COMMON STOCK     879101103      120     2500 SH       DEFINED                   0        0     2500
TELEPHONE & DATA SYS INC       COMMON STOCK     879433100      752     7505 SH       DEFINED                2300        0     5205
TELEPHONE & DATA SYS INC       COMMON STOCK     879433100       12      123 SH       OTHER                   123        0        0
TELLABS OPERATIONS, INC 1 COM  COMMON STOCK     879664100     1574    23000 SH       DEFINED                 100        0    22900
TELLABS OPERATIONS, INC 1 COM  COMMON STOCK     879664100      107     1560 SH       OTHER                  1360        0      200
TEMPLE INLAND INC 1 COM & 1    COMMON STOCK     879868107        8      200 SH       OTHER                   200        0        0
TENET HEALTHCARE CORP COM      COMMON STOCK     88033G100     1376    50951 SH       DEFINED               16451        0    34500
TENET HEALTHCARE CORP COM      COMMON STOCK     88033G100       12      429 SH       OTHER                   429        0        0
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        2      300 SH       DEFINED                   0        0      300
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        5      863 SH       OTHER                   789       24       50
TEPPCO PARTNERS L P UNIT LTD   COMMON STOCK     872384102       29     1200 SH       DEFINED                1200        0        0
TERADYNE INC                   COMMON STOCK     880770102      180     2450 SH       DEFINED                   0        0     2450
TERADYNE INC                   COMMON STOCK     880770102      132     1790 SH       OTHER                  1440        0      350
TEREX CORP NEW                 COMMON STOCK     880779103       39     2727 SH       DEFINED                   0        0     2727
TEXACO INC                     COMMON STOCK     881694103     1571    29507 SH       DEFINED               11003        0    18504
TEXACO INC                     COMMON STOCK     881694103     4865    91364 SH       OTHER                 88142      600     2622
TEXAS INDS INC                 COMMON STOCK     882491103       11      390 SH       DEFINED                 350        0       40
TEXAS INDS INC                 COMMON STOCK     882491103       22      768 SH       OTHER                   768        0        0
TEXAS INSTRS INC               COMMON STOCK     882508104     6255    91062 SH       DEFINED               14400        0    76662
TEXAS INSTRS INC               COMMON STOCK     882508104    13519   196813 SH       OTHER                194319      100     2394
TEXAS REGL BANCSHARES INC      COMMON STOCK     882673106      164     6458 SH       OTHER                  6458        0        0
TEXTRON INC                    COMMON STOCK     883203101      299     5500 SH       DEFINED                   0        0     5500
TEXTRON INC                    COMMON STOCK     883203101       90     1657 SH       OTHER                  1657        0        0
THERMO ELECTRON CORP 1 COMMON  COMMON STOCK     883556102       36     1693 SH       OTHER                  1693        0        0
TIBCO SOFTWARE INC             COMMON STOCK     88632Q103       86      800 SH       DEFINED                   0        0      800
TIDEWATER INC 1 COM & 1 TAKEOV COMMON STOCK     886423102        1       37 SH       DEFINED                   0        0       37
TIDEWATER INC 1 COM & 1 TAKEOV COMMON STOCK     886423102       92     2545 SH       OTHER                  2545        0        0
TIME WARNER INC                COMMON STOCK     887315109     2962    38975 SH       DEFINED                4000        0    34975
TIME WARNER INC                COMMON STOCK     887315109     2066    27178 SH       OTHER                 26678        0      500
TIMKEN CO 1 COM & 1 TAKEOVER R COMMON STOCK     887389104        7      400 SH       OTHER                   400        0        0
TJX COS INC NEW                COMMON STOCK     872540109       53     2800 SH       OTHER                  2300        0      500
TMP WORLDWIDE INC COM          COMMON STOCK     872941109      185     2500 SH       DEFINED                   0        0     2500
TOMMY HILFIGER                 COMMON STOCK     G8915Z102        0       36 SH       DEFINED                   0        0       36
TOMMY HILFIGER                 COMMON STOCK     G8915Z102        8     1060 SH       OTHER                  1060        0        0
TOO INC -W/I                   COMMON STOCK     890333107        1       42 SH       OTHER                    42        0        0
TOOTSIE ROLL INDS INC          COMMON STOCK     890516107       33      952 SH       DEFINED                 952        0        0
TOOTSIE ROLL INDS INC          COMMON STOCK     890516107      328     9363 SH       OTHER                  9363        0        0
TOTAL RENAL CARE HLDGS INC COM COMMON STOCK     89151A107       48     8000 SH       DEFINED                   0        0     8000
TOYS R US INC                  COMMON STOCK     892335100      392    26900 SH       DEFINED                   0        0    26900
TOYS R US INC                  COMMON STOCK     892335100       12      800 SH       OTHER                   800        0        0
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109       13      247 SH       DEFINED                 189        0       58
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109      960    17961 SH       OTHER                 17520        0      441
TRANSWITCH CORP COM            COMMON STOCK     894065101       58      757 SH       DEFINED                   0        0      757
TREMONT CORP DEL COM PAR $1.00 COMMON STOCK     894745207        4      200 SH       OTHER                   200        0        0
TRI CONTL CORP                 COMMON STOCK     895436103       25      997 SH       DEFINED                 532        0      465
TRI CONTL CORP                 COMMON STOCK     895436103      320    12656 SH       OTHER                 12656        0        0
TRIAD HOSPITALS INC            COMMON STOCK     89579K109        0        5 SH       DEFINED                   0        0        5
TRIAD HOSPITALS INC            COMMON STOCK     89579K109        1       23 SH       OTHER                    23        0        0
TRIBUNE CO NEW 1 COM & 1 TAKEO COMMON STOCK     896047107      235     6700 SH       DEFINED                3500        0     3200
TRIBUNE CO NEW 1 COM & 1 TAKEO COMMON STOCK     896047107       56     1600 SH       OTHER                  1600        0        0
TRICON GLOBAL RESTAURANTS, INC COMMON STOCK     895953107        3      100 SH       DEFINED                 100        0        0
TRICON GLOBAL RESTAURANTS, INC COMMON STOCK     895953107      579    20507 SH       OTHER                 20107        0      400
TRINITY INDS INC 1 COM & 1     COMMON STOCK     896522109       14      750 SH       DEFINED                 750        0        0
TRIQUINT SEMICONDUCTOR INC     COMMON STOCK     89674K103       87      908 SH       DEFINED                   0        0      908
TRITON ENERGY LTD CL A ORDINAR COMMON STOCK     G90751101      523    13300 SH       DEFINED                   0        0    13300
TRIZETTO GROUP INC             COMMON STOCK     896882107       32     2000 SH       DEFINED                   0        0     2000
TRUE NORTH COMMUNICATIONS INC  COMMON STOCK     897844106       99     2249 SH       DEFINED                   0        0     2249
TUPPERWARE CORP COM            COMMON STOCK     899896104        1       58 SH       OTHER                    58        0        0
TUT SYS INC                    COMMON STOCK     901103101       52      908 SH       DEFINED                   0        0      908
TV GUIDE INC                   COMMON STOCK     87307Q109      103     3000 SH       DEFINED                   0        0     3000
TXU CORP                       COMMON STOCK     873168108      240     8125 SH       DEFINED                2458        0     5667
TXU CORP                       COMMON STOCK     873168108     2861    96981 SH       OTHER                 96051        0      930
TYCO INTL LTD NEW COM          COMMON STOCK     902124106     4521    95427 SH       DEFINED                5498        0    89929
TYCO INTL LTD NEW COM          COMMON STOCK     902124106     3246    68508 SH       OTHER                 66248        0     2260
U S INDS INC NEW COM           COMMON STOCK     912080108        0       15 SH       DEFINED                   0        0       15
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106       38     1540 SH       OTHER                  1540        0        0
ULTRATECH STEPPER INC COM      COMMON STOCK     904034105       74     5000 SH       DEFINED                   0        0     5000
UMB FINL CORP COM              COMMON STOCK     902788108      696    21210 SH       OTHER                 21210        0        0
UNICOM CORP COM                COMMON STOCK     904911104      103     2658 SH       OTHER                  1711        0      947
UNION CARBIDE CORP 1 COM & 1   COMMON STOCK     905581104     1081    21836 SH       OTHER                 21836        0        0
UNION PAC CORP                 COMMON STOCK     907818108       30      800 SH       DEFINED                 800        0        0
UNION PAC CORP                 COMMON STOCK     907818108     1008    27102 SH       OTHER                 27102        0        0
UNION PAC RES GROUP INC COM    COMMON STOCK     907834105       15      677 SH       DEFINED                 677        0        0
UNION PAC RES GROUP INC COM    COMMON STOCK     907834105      104     4722 SH       OTHER                  4722        0        0
UNION PLANTERS CORP 1 COM & 1  COMMON STOCK     908068109       18      643 SH       OTHER                   643        0        0
UNIROYAL TECHNOLOGY CORP       COMMON STOCK     909163107       24     2200 SH       DEFINED                   0        0     2200
UNISYS CORP                    COMMON STOCK     909214108      175    12000 SH       DEFINED                   0        0    12000
UNITED DOMINION RLTY TR INC    COMMON STOCK     910197102      165    15007 SH       DEFINED               15007        0        0
UNITED PARCEL SERVICE-CL B     COMMON STOCK     911312106      112     1900 SH       DEFINED                   0        0     1900
UNITED PARCEL SERVICE-CL B     COMMON STOCK     911312106      717    12150 SH       OTHER                 11800      150      200
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109      362     6150 SH       DEFINED                2867        0     3283
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109     6065   103020 SH       OTHER                 99515        0     3505
UNITED WTR RES INC 1 COM & 1   COMMON STOCK     913190104       78     2250 SH       OTHER                  2250        0        0
UNITEDHEALTH GROUP INC         COMMON STOCK     91324P102       24      275 SH       OTHER                     0        0      275
UNIVISION COMMUNICATIONS INC C COMMON STOCK     914906102       10      100 SH       DEFINED                   0        0      100
UNOCAL CORP 1 COM & 1 TAKEOVER COMMON STOCK     915289102      788    23800 SH       DEFINED               10600        0    13200
UNOCAL CORP 1 COM & 1 TAKEOVER COMMON STOCK     915289102      629    18997 SH       OTHER                 18472        0      525
UNUMPROVIDENT CORP             COMMON STOCK     91529Y106      237    11800 SH       DEFINED                   0        0    11800
US BANCORP DEL COM             COMMON STOCK     902973106      145     7521 SH       DEFINED                7521        0        0
US BANCORP DEL COM             COMMON STOCK     902973106      450    23399 SH       OTHER                 23399        0        0
US ONCOLOGY INC                COMMON STOCK     90338W103        9     1880 SH       DEFINED                1880        0        0
US WEST INC COM                COMMON STOCK     91273H101      231     2695 SH       DEFINED                1874        0      821
US WEST INC COM                COMMON STOCK     91273H101     1229    14333 SH       OTHER                 13988        0      345
USA NETWORKS INC COM           COMMON STOCK     902984103      794    36700 SH       DEFINED                   0        0    36700
USINTERNETWORKING INC          COMMON STOCK     917311805      214    10475 SH       DEFINED                   0        0    10475
UST INC                        COMMON STOCK     902911106      187    12700 SH       DEFINED                   0        0    12700
UST INC                        COMMON STOCK     902911106       61     4150 SH       OTHER                  4150        0        0
USX U S STL GROUP              COMMON STOCK     90337T101      103     5530 SH       DEFINED                   0        0     5530
USX U S STL GROUP              COMMON STOCK     90337T101       13      683 SH       OTHER                   683        0        0
USX-MARATHON GROUP COM NEW     COMMON STOCK     902905827      298    11900 SH       DEFINED                   0        0    11900
USX-MARATHON GROUP COM NEW     COMMON STOCK     902905827      155     6168 SH       OTHER                  6168        0        0
UTILICORP UTD INC              COMMON STOCK     918005109       31     1576 SH       DEFINED                1576        0        0
V F CORP                       COMMON STOCK     918204108       21      884 SH       DEFINED                 884        0        0
V F CORP                       COMMON STOCK     918204108       95     4000 SH       OTHER                  4000        0        0
V-ONE CORP                     COMMON STOCK     918278102        3      500 SH       OTHER                     0      500        0
VA LINUX SYSTEMS INC           COMMON STOCK     91819B105        9      200 SH       DEFINED                   0        0      200
VA LINUX SYSTEMS INC           COMMON STOCK     91819B105        2       50 SH       OTHER                     0       50        0
VALASSIS COMMUNICATIONS INC CO COMMON STOCK     918866104       84     2211 SH       DEFINED                   0        0     2211
VALERO REFNG & MARKETING CO CO COMMON STOCK     91913Y100    15513   488600 SH       DEFINED              488600        0        0
VALERO REFNG & MARKETING CO CO COMMON STOCK     91913Y100      132     4173 SH       OTHER                  2773        0     1400
VALSPAR CORP                   COMMON STOCK     920355104       34     1000 SH       OTHER                  1000        0        0
VAN KAMPEN CVT SEC INC         COMMON STOCK     920956109        0        1 SH       OTHER                     1        0        0
VARIAN SEMICONDUCTOR EQUIPTMEN COMMON STOCK     922207105       82     1300 SH       DEFINED                   0        0     1300
VASOMEDICAL INC COM            COMMON STOCK     922321104        0      100 SH       OTHER                     0      100        0
VECTREN CORP                   COMMON STOCK     92240G101        3      199 SH       DEFINED                 199        0        0
VEECO INSTRS INC DEL COM       COMMON STOCK     922417100       66      900 SH       DEFINED                   0        0      900
VENATOR GROUP INC COM          COMMON STOCK     922944103      103    10000 SH       DEFINED                   0        0    10000
VENATOR GROUP INC COM          COMMON STOCK     922944103      209    20400 SH       OTHER                 20400        0        0
VENTAS INC COM                 COMMON STOCK     92276F100        0       37 SH       DEFINED                  37        0        0
VERISIGN INC COM               COMMON STOCK     92343E102      590     3345 SH       DEFINED                   0        0     3345
VERISIGN INC COM               COMMON STOCK     92343E102       38      215 SH       OTHER                     0      215        0
VERITAS SOFTWARE CO COM        COMMON STOCK     923436109      517     4575 SH       DEFINED                   0        0     4575
VERITAS SOFTWARE CO COM        COMMON STOCK     923436109        9       80 SH       OTHER                    80        0        0
VESTAUR SECS INC               COMMON STOCK     925464109       15     1236 SH       DEFINED                1236        0        0
VIACOM INC COM CL B            COMMON STOCK     925524308     4407    64632 SH       DEFINED               12171        0    52461
VIACOM INC COM CL B            COMMON STOCK     925524308     2085    30572 SH       OTHER                 30572        0        0
VIATEL INC                     COMMON STOCK     925529208      503    17600 SH       DEFINED                1000        0    16600
VICAL INC COM                  COMMON STOCK     925602104        2      125 SH       DEFINED                   0        0      125
VIGNETTE CORPORATION           COMMON STOCK     926734104      246     4721 SH       DEFINED                   0        0     4721
VIRATA CORP                    COMMON STOCK     927646109      125     2100 SH       DEFINED                   0        0     2100
VISHAY INTERTECHNOLOGY INC     COMMON STOCK     928298108       17      450 SH       DEFINED                   0        0      450
VISTEON CORP                   COMMON STOCK     92839U107       41     3389 SH       DEFINED                  89        0     3300
VISTEON CORP                   COMMON STOCK     92839U107      103     8500 SH       OTHER                  7825       73      602
VITESSE SEMICONDUCTOR CORP     COMMON STOCK     928497106      162     2200 SH       DEFINED                   0        0     2200
VITESSE SEMICONDUCTOR CORP     COMMON STOCK     928497106       29      400 SH       OTHER                   400        0        0
VITRIA TECHNOLOGY INC          COMMON STOCK     92849Q104       12      200 SH       DEFINED                   0        0      200
VLASIC FOODS INTL INC COM      COMMON STOCK     928559103        1      360 SH       OTHER                   360        0        0
VOICESTREAM WIRELESS CORP      COMMON STOCK     928615103      561     4826 SH       DEFINED                   0        0     4826
VTEL CORP COM                  COMMON STOCK     918333105        2      500 SH       OTHER                   500        0        0
VULCAN MATLS CO                COMMON STOCK     929160109       64     1500 SH       DEFINED                1500        0        0
W. R. GRACE & CO COM           COMMON STOCK     38388F108       32     2670 SH       OTHER                  2670        0        0
WACHOVIA CORP NEW              COMMON STOCK     929771103      114     2100 SH       DEFINED                   0        0     2100
WACHOVIA CORP NEW              COMMON STOCK     929771103       22      400 SH       OTHER                   400        0        0
WACKENHUT CORRECTIONS CORP COM COMMON STOCK     929798106        0       30 SH       DEFINED                   0        0       30
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059100      103     3150 SH       DEFINED                   0        0     3150
WAL MART STORES INC            COMMON STOCK     931142103     2571    44613 SH       DEFINED               15825        0    28788
WAL MART STORES INC            COMMON STOCK     931142103    14828   257314 SH       OTHER                240286      578    16450
WALGREEN CO                    COMMON STOCK     931422109     2018    62698 SH       DEFINED               28360        0    34338
WALGREEN CO                    COMMON STOCK     931422109     8670   269352 SH       OTHER                255503     1075    12774
WARNER LAMBERT CO 1 COM & 1    COMMON STOCK     934488107       11       85 SH       DEFINED                  85        0        0
WASHINGTON GAS LT CO           COMMON STOCK     938837101       51     2100 SH       OTHER                  2100        0        0
WASHINGTON MUT INC COM         COMMON STOCK     939322103     1353    46847 SH       DEFINED               15527        0    31320
WASHINGTON MUT INC COM         COMMON STOCK     939322103       53     1845 SH       OTHER                  1845        0        0
WASHINGTON REAL ESTATE INVT TR COMMON STOCK     939653101       48     2703 SH       OTHER                  2703        0        0
WASTE MANAGEMENT NZ LTD - NEW  COMMON STOCK     94106L109     1191    62697 SH       DEFINED                1218        0    61479
WASTE MANAGEMENT NZ LTD - NEW  COMMON STOCK     94106L109     6873   361725 SH       OTHER                354725        0     7000
WATERS CORP COM                COMMON STOCK     941848103      773     6192 SH       DEFINED                4920        0     1272
WATSON PHARMACEUTICALS INC COM COMMON STOCK     942683103      755    14046 SH       DEFINED                3750        0    10296
WATSON PHARMACEUTICALS INC COM COMMON STOCK     942683103        5      100 SH       OTHER                   100        0        0
WAYNE BANCORP                  COMMON STOCK     944293109       23     1449 SH       OTHER                  1449        0        0
WEATHERFORD INTL. INC. COM     COMMON STOCK     947074100        4      100 SH       OTHER                   100        0        0
WEINGARTEN RLTY INVS SH BEN IN COMMON STOCK     948741103       40     1000 SH       OTHER                  1000        0        0
WELLS FARGO CO                 COMMON STOCK     949746101     3818    98520 SH       DEFINED               11815        0    86705
WELLS FARGO CO                 COMMON STOCK     949746101     8179   211062 SH       OTHER                208772      600     1690
WENDYS INTL INC 1COM & 1 TAKEO COMMON STOCK     950590109      411    23100 SH       DEFINED                2000        0    21100
WEST COAST BANCORP ORE NEW COM COMMON STOCK     952145100        5      500 SH       OTHER                   500        0        0
WESTERN RES INC COM            COMMON STOCK     959425109       10      645 SH       DEFINED                 645        0        0
WESTERN RES INC COM            COMMON STOCK     959425109        6      400 SH       OTHER                   400        0        0
WESTON ROY F INC NEW-A         COMMON STOCK     961137106       43    14000 SH       DEFINED                   0        0    14000
WESTWOOD ONE INC DEL           COMMON STOCK     961815107      648    19000 SH       DEFINED                   0        0    19000
WEYERHAEUSER CO                COMMON STOCK     962166104       14      325 SH       DEFINED                   0        0      325
WEYERHAEUSER CO                COMMON STOCK     962166104      378     8800 SH       OTHER                  8800        0        0
WHIRLPOOL CORP 1 COM & 1 TAKEO COMMON STOCK     963320106       84     1800 SH       DEFINED                   0        0     1800
WHIRLPOOL CORP 1 COM & 1 TAKEO COMMON STOCK     963320106       33      700 SH       OTHER                   700        0        0
WHITMAN CORP                   COMMON STOCK     96647R107      124    10000 SH       DEFINED                   0        0    10000
WHITMAN CORP                   COMMON STOCK     96647R107       46     3750 SH       OTHER                  3750        0        0
WHOLE FOODS MKT INC            COMMON STOCK     966837106       17      400 SH       OTHER                   400        0        0
WILLAMETTE INDS INC 1 COM & 1  COMMON STOCK     969133107       16      600 SH       DEFINED                   0        0      600
WILLAMETTE INDS INC 1 COM & 1  COMMON STOCK     969133107      548    20100 SH       OTHER                 20100        0        0
WILLIAMS COMMUNICATIONS GRP    COMMON STOCK     969455104      407    12250 SH       DEFINED                   0        0    12250
WILLIAMS COS INC 1 COM & 1     COMMON STOCK     969457100     1188    28497 SH       DEFINED                 384        0    28113
WILLIAMS COS INC 1 COM & 1     COMMON STOCK     969457100      624    14970 SH       OTHER                 14710        0      260
WIND RIVER SYSTEM INC COM      COMMON STOCK     973149107       38     1000 SH       DEFINED                   0        0     1000
WINSTAR COMMUNICATIONS INC COM COMMON STOCK     975515107      384    11350 SH       DEFINED                   0        0    11350
WISCONSIN ENERGY CORP COM      COMMON STOCK     976657106       11      580 SH       DEFINED                 580        0        0
WISCONSIN ENERGY CORP COM      COMMON STOCK     976657106      107     5406 SH       OTHER                  5406        0        0
WISER OIL CO DEL               COMMON STOCK     977284108        1      200 SH       DEFINED                   0        0      200
WORLDCOM INC                   COMMON STOCK     98157D106     6084   132618 SH       DEFINED               14956        0   117662
WORLDCOM INC                   COMMON STOCK     98157D106     9861   214961 SH       OTHER                203539      100    11322
WORTHINGTON INDS INC           COMMON STOCK     981811102       12     1125 SH       DEFINED                   0        0     1125
WPS RES CORP COM               COMMON STOCK     92931B106       12      400 SH       OTHER                   400        0        0
WRIGLEY WM JR CO               COMMON STOCK     982526105       18      220 SH       DEFINED                 200        0       20
WRIGLEY WM JR CO               COMMON STOCK     982526105      135     1686 SH       OTHER                  1486        0      200
WYNDHAM INTL INC               COMMON STOCK     983101106       26    10400 SH       OTHER                 10400        0        0
XCELERA.COM INC                COMMON STOCK     G31611109        7      200 SH       DEFINED                   0        0      200
XEROX CORP                     COMMON STOCK     984121103       70     3379 SH       DEFINED                3379        0        0
XEROX CORP                     COMMON STOCK     984121103     1235    59515 SH       OTHER                 57675        0     1840
XILINX INC 1 COM & 1 TAKEOVER  COMMON STOCK     983919101      446     5400 SH       DEFINED                   0        0     5400
XILINX INC 1 COM & 1 TAKEOVER  COMMON STOCK     983919101      324     3930 SH       OTHER                  2230        0     1700
XL CAPITAL LTD - CL A          COMMON STOCK     G98255105      966    17855 SH       DEFINED                3755        0    14100
YAHOO INC COM                  COMMON STOCK     984332106       25      200 SH       DEFINED                 200        0        0
YAHOO INC COM                  COMMON STOCK     984332106      167     1350 SH       OTHER                  1350        0        0
YANKEE CANDLE CO               COMMON STOCK     984757104      227    10500 SH       DEFINED               10500        0        0
ZALE CORP COM                  COMMON STOCK     988858106      182     4975 SH       DEFINED                   0        0     4975
ZEBRA TECHNOLOGIES CORP CL A   COMMON STOCK     989207105      140     3167 SH       DEFINED                 700        0     2467
ZONAGEN INC COM                COMMON STOCK     98975L108        1      200 SH       DEFINED                   0        0      200
ZOOM TELEPHONICS INC           COMMON STOCK     98976E103        0       50 SH       DEFINED                   0        0       50
ZWEIG FD INC                   COMMON STOCK     989834106       18     1802 SH       DEFINED                1802        0        0
3COM CORP 1 COM & 1 TAKEOVER R COMMON STOCK     885535104       20      349 SH       DEFINED                   0        0      349
3COM CORP 1 COM & 1 TAKEOVER R COMMON STOCK     885535104      582    10100 SH       OTHER                  9700        0      400
99 CENTS ONLY STORES COM       COMMON STOCK     65440K106      120     3000 SH       DEFINED                3000        0        0
ADELPHIA BUSINESS SOLUTIONS IN COMMON STOCK     006847107      348    15000 SH       DEFINED               15000        0        0
IMC GLOBAL INC 2000 WT EXP  12 COMMON STOCK     449669118        0       66 SH       OTHER               N.A.     N.A.     N.A.
WTS TOTAL FINA ELF S.A. ADR 8/ COMMON STOCK     F9212D142       47     1377 SH       OTHER               N.A.     N.A.     N.A.
ACM GOVT INCOME FD INC         COMMON STOCK     000912105        8     1100 SH       DEFINED                   0        0     1100
ACM GOVT SECS FD INC COM       COMMON STOCK     000914101       19     2666 SH       DEFINED                2666        0        0
ACM GOVT SECS FD INC COM       COMMON STOCK     000914101       21     2949 SH       OTHER                  2949        0        0
ALLIANCE WORLD DLR GOVT FD 11  COMMON STOCK     01879R106       29     3000 SH       DEFINED                3000        0        0
ALLIANCE WORLD DLR GOVT FD 11  COMMON STOCK     01879R106     1126   118482 SH       OTHER                118482        0        0
BLACKROCK TARGET TERM TR INC C COMMON STOCK     092476100       17     1725 SH       DEFINED                1725        0        0
BLACKROCK 2001 TERM TR INC COM COMMON STOCK     092477108      110    12003 SH       DEFINED                   0        0    12003
BLACKROCK 2001 TERM TR INC COM COMMON STOCK     092477108        2      200 SH       OTHER                   200        0        0
FIRST FINL FD INC              COMMON STOCK     320228109        3      420 SH       DEFINED                   0        0      420
HATTERAS INCOME SECS INC       COMMON STOCK     419025101        3      200 SH       OTHER                   200        0        0
MFS GOVT MKTS INCOME TR SH BEN COMMON STOCK     552939100      126    20620 SH       OTHER                 20620        0        0
MSDW QUALITY MUNICIPAL SECS    COMMON STOCK     61745P585       36     2999 SH       OTHER                  2999        0        0
MUNIENHANCED FD INC COM        COMMON STOCK     626243109        0        2 SH       OTHER                     2        0        0
PACIFIC AMERN INCOME SHS INC   COMMON STOCK     693796104       18     1400 SH       DEFINED                1400        0        0
PACIFIC AMERN INCOME SHS INC   COMMON STOCK     693796104        3      200 SH       OTHER                   200        0        0
PILGRIM PRIME RATE TRUST       COMMON STOCK     72146W103       89    10000 SH       OTHER                 10000        0        0
PUTNAM DIVID INCOME FD COM SH  COMMON STOCK     746706100       20     2194 SH       OTHER                  2194        0        0
TEMPLETON GLOBAL INCOME FD INC COMMON STOCK     880198106       12     2000 SH       OTHER                  2000        0        0
VAN KAMPEN BD FD INC COM       COMMON STOCK     920955101       15      904 SH       DEFINED                 904        0        0
VAN KAMPEN BD FD INC COM       COMMON STOCK     920955101        2      100 SH       OTHER                   100        0        0
VAN KAMPEN INCOME TR SH        COMMON STOCK     920957107       92    14000 SH       OTHER                 14000        0        0
ABN AMRO HOLDING NV-SP ADR     COMMON STOCK     000937102      322    13120 SH       DEFINED                   0        0    13120
AEGON N V ORD AMER REG         COMMON STOCK     007924103      630    17687 SH       OTHER                 17687        0        0
ALCATEL                        COMMON STOCK     013904305      985    14815 SH       DEFINED                   0        0    14815
ALCATEL                        COMMON STOCK     013904305       73     1100 SH       OTHER                  1100        0        0
AMEX FINANCIAL SELECT SPDR     COMMON STOCK     81369Y605        5      200 SH       DEFINED                 200        0        0
ANGLO AMERN PLC                COMMON STOCK     03485P102        5       98 SH       OTHER                    98        0        0
ANGLOGOLD LTD (NEW)            COMMON STOCK     035128206        3      160 SH       OTHER                   160        0        0
ASTRAZENECA PLC                COMMON STOCK     046353108      427     9192 SH       DEFINED                   0        0     9192
AVENTIS-SPON ADR               COMMON STOCK     053561106      820    11303 SH       DEFINED                   0        0    11303
AXA SPONSORED ADR              COMMON STOCK     054536107      143     1800 SH       DEFINED                   0        0     1800
AXA SPONSORED ADR              COMMON STOCK     054536107       24      300 SH       OTHER                   300        0        0
BANCO BILBAO VIZCAYA-SP ADR    COMMON STOCK     05946K101      718    48666 SH       DEFINED                   0        0    48666
BANCO SANTANDER CEN-SPON ADR   COMMON STOCK     05964H105      126    12100 SH       DEFINED                   0        0    12100
BANK TOKYO-MITSUBISHI LTD      COMMON STOCK     065379109      232    19100 SH       DEFINED                   0        0    19100
BARRICK GOLD CORP COM          COMMON STOCK     067901108       71     3900 SH       DEFINED                3900        0        0
BARRICK GOLD CORP COM          COMMON STOCK     067901108       83     4585 SH       OTHER                  4585        0        0
BIOCHEM PHARMA INC COM         COMMON STOCK     09058T108      161     6550 SH       DEFINED                6550        0        0
BIOMIRA INC COM                COMMON STOCK     09161R106        5      500 SH       DEFINED                   0        0      500
BIOTECH HOLDRS TRUST           COMMON STOCK     09067D201       18      100 SH       OTHER                     0      100        0
BP AMOCO ADR                   COMMON STOCK     055622104     1751    30961 SH       DEFINED                4012        0    26949
BP AMOCO ADR                   COMMON STOCK     055622104    12612   222969 SH       OTHER                222569      400        0
BRITISH AMERICAN TOB-SP ADR    COMMON STOCK     110448107      103     7690 SH       DEFINED                   0        0     7690
BRITISH TELECOMUNICATIONS P L  COMMON STOCK     111021408      145     1100 SH       DEFINED                   0        0     1100
CADBURY SCHWEPPES P L C ARD 10 COMMON STOCK     127209302      150     5700 SH       DEFINED                   0        0     5700
CANADIAN PAC LTD NEW COM       COMMON STOCK     135923100      576    22000 SH       DEFINED                   0        0    22000
CANON INC ADR REPSTG 5 SHS     COMMON STOCK     138006309       42      825 SH       DEFINED                   0        0      825
CHINA TELECOM HONG KONG LTD    COMMON STOCK     169428109      142      800 SH       DEFINED                   0        0      800
COMPANHIA CERVEJARIA BRAHMA    COMMON STOCK     20440X103      626    36800 SH       DEFINED                   0        0    36800
COMPANIA ANONIMA NACIONAL      COMMON STOCK     204421101      435    16000 SH       DEFINED                   0        0    16000
DAIMLERCHRYSLER AG-ADR         COMMON STOCK     D1668R123      389     7464 SH       DEFINED                   0        0     7464
DAIMLERCHRYSLER AG-ADR         COMMON STOCK     D1668R123      196     3770 SH       OTHER                  3770        0        0
DEUTSCHE TELEKOM AG            COMMON STOCK     251566105      175     3079 SH       DEFINED                   0        0     3079
DEUTSCHE TELEKOM AG            COMMON STOCK     251566105        9      150 SH       OTHER                   150        0        0
DIAGEO PLC - ADR NEW           COMMON STOCK     25243Q205      157     4418 SH       DEFINED                   0        0     4418
DURBAN ROODEPOORT DEEP LTD     COMMON STOCK     266597301        0      150 SH       DEFINED                   0        0      150
DURBAN ROODEPOORT DEEP LTD     COMMON STOCK     266597301        0       49 SH       OTHER                    49        0        0
ELAN CORP PLC ADR              COMMON STOCK     284131208       28      585 SH       OTHER                     0        0      585
EMPRESAS ICA S.A. SPONS ADR    COMMON STOCK     292448107        2     1000 SH       DEFINED                   0        0     1000
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      202    10380 SH       DEFINED                   0        0    10380
ENI S P A SPONSORED ADR        COMMON STOCK     26874R108      189     3245 SH       DEFINED                   0        0     3245
ERICSSON L M TEL CO ADR CL B S COMMON STOCK     294821400      465    23240 SH       DEFINED                8240        0    15000
ERICSSON L M TEL CO ADR CL B S COMMON STOCK     294821400     1744    87208 SH       OTHER                 85724     1484        0
FIAT SPA-SPONS ADR -W/I        COMMON STOCK     315621888       84     3250 SH       DEFINED                   0        0     3250
FILA HLDG SPON ADR             COMMON STOCK     316850106        0       11 SH       DEFINED                   0        0       11
FIRST AUSTRALIA PRIME INCOME F COMMON STOCK     318653102        6     1400 SH       DEFINED                   0        0     1400
FLAG TELECOM HOLDINGS-ADR      COMMON STOCK     G3529L102      111     7475 SH       DEFINED                   0        0     7475
FRESENIUS MED CARE             COMMON STOCK     358029106       73     2800 SH       OTHER                  2800        0        0
FUJI PHOTO FILM LTD ADR 2 ORD  COMMON STOCK     359586302      106     2500 SH       DEFINED                   0        0     2500
GALLAHER GROUP PLC SPONSORED A COMMON STOCK     363595109       43     2000 SH       DEFINED                2000        0        0
GALLAHER GROUP PLC SPONSORED A COMMON STOCK     363595109      224    10464 SH       OTHER                 10464        0        0
GLAMIS GOLD LTD                COMMON STOCK     376775102        0      100 SH       DEFINED                   0        0      100
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK     37733W105      179     3100 SH       DEFINED                   0        0     3100
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK     37733W105      719    12433 SH       OTHER                 12433        0        0
GOLD FIELDS LTD-SP ADR         COMMON STOCK     38059T106        2      465 SH       OTHER                   465        0        0
HARMONY GOLD MNG LTD           COMMON STOCK     413216300        1      116 SH       OTHER                   116        0        0
HITACHI LTD ADR 10 COM         COMMON STOCK     433578507     1084     7520 SH       DEFINED                   0        0     7520
HSBC BANK PLC                  COMMON STOCK     44328M815       47     2000 SH       OTHER                     0        0     2000
HSBC HLDGS PLC                 COMMON STOCK     404280406      248     4278 SH       DEFINED                   0        0     4278
HSBC HLDGS PLC                 COMMON STOCK     404280406       38      650 SH       OTHER                   450        0      200
IMPERIAL TOBACCO GROUP-ADR     COMMON STOCK     453142101        3      175 SH       DEFINED                   0        0      175
IMPERIAL TOBACCO GROUP-ADR     COMMON STOCK     453142101        0       25 SH       OTHER                    25        0        0
INFOSYS TECHNOLOGIES-SP ADR    COMMON STOCK     456788108       18      100 SH       OTHER                     0      100        0
ING GROEP N V SPONSORED ADR    COMMON STOCK     456837103      422     6250 SH       DEFINED                   0        0     6250
INTERNET HOLDRS TRUST-ADR      COMMON STOCK     46059W102       11      100 SH       DEFINED                   0        0      100
KONINKLIJKE PHILIPS NV-W/I-ADR COMMON STOCK     500472204      668    14056 SH       DEFINED                   0        0    14056
KONINKLIJKE PHILIPS NV-W/I-ADR COMMON STOCK     500472204      958    20171 SH       OTHER                 19251        0      920
MANULIFE FINANCIAL CORP        COMMON STOCK     56501R106      370    20757 SH       OTHER                 20757        0        0
MATSUSHITA ELEC INDL LTD ADR   COMMON STOCK     576879209      193      750 SH       DEFINED                   0        0      750
MEXICO FD INC                  COMMON STOCK     592835102       13      902 SH       DEFINED                 902        0        0
MILLENNIUM CHEMICALS INC COM   COMMON STOCK     599903101        1       50 SH       DEFINED                  50        0        0
NATIONAL AUSTRALIA BK LTD      COMMON STOCK     632525408      149     1800 SH       DEFINED                   0        0     1800
NATIONAL PWR PLC               COMMON STOCK     637194408      118     4610 SH       DEFINED                   0        0     4610
NATIONAL WESTMINSTER BK PLC SP COMMON STOCK     638539882       90     4000 SH       OTHER                  4000        0        0
NEC CORP                       COMMON STOCK     629050204      380     2400 SH       DEFINED                   0        0     2400
NEWS CORP LTD ADR NEW          COMMON STOCK     652487703      523     9600 SH       DEFINED                   0        0     9600
NIPPON TEL & TELEG CORP SPONSO COMMON STOCK     654624105       35      515 SH       OTHER                     0        0      515
NOKIA CORP SPONSORED ADR       COMMON STOCK     654902204     2950    59067 SH       DEFINED                 300        0    58767
NOKIA CORP SPONSORED ADR       COMMON STOCK     654902204     5360   107335 SH       OTHER                 96970      400     9965
NORSK HYDRO A S SPONSORED ADR  COMMON STOCK     656531605      118     2800 SH       DEFINED                   0        0     2800
NORTEL NETWORKS CORP           COMMON STOCK     656568102     2127    31160 SH       DEFINED                5660        0    25500
NORTEL NETWORKS CORP           COMMON STOCK     656568102     1726    25286 SH       OTHER                 24476      350      460
NOVARTIS AG SPONS ADR          COMMON STOCK     66987V109      262     6542 SH       DEFINED                   0        0     6542
NOVARTIS AG SPONS ADR          COMMON STOCK     66987V109       67     1666 SH       OTHER                  1666        0        0
PETROLEUM GEO SVCS A/S SPONSOR COMMON STOCK     716597109       61     3600 SH       DEFINED                   0        0     3600
POPULAR INC COM                COMMON STOCK     733174106      524    27500 SH       OTHER                 27500        0        0
PORTUGAL TELECOM S A COM       COMMON STOCK     737273102      141    12500 SH       DEFINED                   0        0    12500
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102       22      216 SH       DEFINED                   0        0      216
RIO TINTO PLC SPONSORED ADR    COMMON STOCK     767204100      117     1800 SH       DEFINED                1800        0        0
ROYAL BK CDA MONTREAL QUEBEC   COMMON STOCK     780087102        8      150 SH       OTHER                   150        0        0
ROYAL DUTCH PETRO-NY SHARES    COMMON STOCK     780257804     2509    40763 SH       DEFINED                7081        0    33682
ROYAL DUTCH PETRO-NY SHARES    COMMON STOCK     780257804     4366    70924 SH       OTHER                 69730        0     1194
ROYAL KPN NV                   COMMON STOCK     780641205       31      696 SH       OTHER                   691        5        0
SANTOS LTD SPONSORED ADR       COMMON STOCK     803021609       44     3650 SH       OTHER                  3650        0        0
SATYAM INFOWAY LIMITED-ADR     COMMON STOCK     804099109        4      200 SH       OTHER                     0      200        0
SCHLUMBERGER LTD ADR           COMMON STOCK     806857108     1556    20850 SH       DEFINED                2845        0    18005
SCHLUMBERGER LTD ADR           COMMON STOCK     806857108    10152   136044 SH       OTHER                129428        0     6616
SCOTTISH PWR PLC               COMMON STOCK     81013T705       37     1096 SH       DEFINED                1096        0        0
SCOTTISH PWR PLC               COMMON STOCK     81013T705      142     4250 SH       OTHER                  4250        0        0
SEAGRAM LTD                    COMMON STOCK     811850106      232     4000 SH       DEFINED                   0        0     4000
SHELL TRANS & TRADING PLC NEW  COMMON STOCK     822703609      280     5600 SH       DEFINED                   0        0     5600
SHELL TRANS & TRADING PLC NEW  COMMON STOCK     822703609      187     3750 SH       OTHER                  3750        0        0
SMITHKLINE BEECHAM  ADR        COMMON STOCK     832378301     1463    22445 SH       DEFINED                   0        0    22445
SMITHKLINE BEECHAM  ADR        COMMON STOCK     832378301      666    10223 SH       OTHER                  9563        0      660
SONY CORP AMERN SH NEW         COMMON STOCK     835699307      572     6060 SH       DEFINED                   0        0     6060
SONY CORP AMERN SH NEW         COMMON STOCK     835699307      113     1200 SH       OTHER                   660        0      540
TELE CELULAR SUL PARTICIPACOES COMMON STOCK     879238103       15      330 SH       DEFINED                   0        0      330
TELE CENTRO OESTE CELULAR      COMMON STOCK     87923P105       13     1100 SH       DEFINED                   0        0     1100
TELE CENTRO SUL PARTICIPACOES  COMMON STOCK     879239101       48      660 SH       DEFINED                   0        0      660
TELE DENMARK A/S SPONSORED ADR COMMON STOCK     879242105       92     2700 SH       DEFINED                   0        0     2700
TELE NORDESTE CELULAR PARTICIP COMMON STOCK     87924W109       11      165 SH       DEFINED                   0        0      165
TELE NORTE CELULAR PARTICIPACO COMMON STOCK     87924Y105        3       66 SH       DEFINED                   0        0       66
TELE NORTE LESTE PARTICIPACOES COMMON STOCK     879246106       90     3826 SH       DEFINED                   0        0     3826
TELE SUDESTE CELULAR PARTICIPA COMMON STOCK     879252104        7      240 SH       DEFINED                   0        0      240
TELEBRAS-SPONSORED ADR         COMMON STOCK     879287308      117     1200 SH       DEFINED                   0        0     1200
TELECOM CORP NEW ZEALAND LTD   COMMON STOCK     879278208       17      600 SH       DEFINED                 600        0        0
TELECOM CORP NEW ZEALAND LTD   COMMON STOCK     879278208       23      800 SH       OTHER                   800        0        0
TELECOMUNICACOES DE S.P.       COMMON STOCK     87929A102       83     4500 SH       DEFINED                   0        0     4500
TELEFONICA S A ADR             COMMON STOCK     879382208      103     1606 SH       DEFINED                   0        0     1606
TELEFONOS DE MEXICO S A SPONSO COMMON STOCK     879403780      774    13541 SH       DEFINED                   0        0    13541
TELEFONOS DE MEXICO S A SPONSO COMMON STOCK     879403780      109     1900 SH       OTHER                  1900        0        0
TELELESTE CELULAR PARTICIPACOE COMMON STOCK     87943B102        3       66 SH       DEFINED                   0        0       66
TELEMIG CELULAR PARTICIPACOES  COMMON STOCK     87944E105       12      165 SH       DEFINED                   0        0      165
TELESP CELULAR PARTICIPACOES S COMMON STOCK     87952L108       59     1320 SH       DEFINED                   0        0     1320
TEVA PHARMACEUTICAL-SP ADR     COMMON STOCK     881624209      155     2800 SH       DEFINED                   0        0     2800
TOTAL FINA ELF S.A.            COMMON STOCK     89151E109     1135    14774 SH       DEFINED                   0        0    14774
TOYOTA MTR CORP                COMMON STOCK     892331307      186     2000 SH       DEFINED                   0        0     2000
TRANS-GLOBAL INTERACTIVE LTD   COMMON STOCK     892909508        0       12 SH       OTHER                    12        0        0
TRANSGENE S A-SPONS ADR        COMMON STOCK     89365U105        2      100 SH       DEFINED                   0        0      100
UNILEVER NV NY SHARE NEW F ADR COMMON STOCK     904784709      174     4057 SH       DEFINED                   0        0     4057
UNILEVER NV NY SHARE NEW F ADR COMMON STOCK     904784709        4       91 SH       OTHER                    91        0        0
UNILEVER PLC                   COMMON STOCK     904767704      135     5374 SH       DEFINED                   0        0     5374
UNILEVER PLC                   COMMON STOCK     904767704        1       44 SH       OTHER                    44        0        0
VODAFONE AIRTOUCH PLC          COMMON STOCK     92857T107      247     5970 SH       DEFINED                2940        0     3030
VODAFONE AIRTOUCH PLC          COMMON STOCK     92857T107     2038    49182 SH       OTHER                 44522      900     3760
VOLVO AKTIEBOGAGET ADR B       COMMON STOCK     928856400       96     4400 SH       DEFINED                   0        0     4400
YPF SOCIEDAD ANONIMA SPONSORED COMMON STOCK     984245100       19      500 SH       OTHER                   500        0        0
MONSANTO CO                    PREFERRED STOCK  611662305        9      200 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY FIN PLC         PREFERRED STOCK  616906707        5      200 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY FIN PLC         PREFERRED STOCK  616906707       29     1200 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY FIN 8% PFD      PREFERRED STOCK  616906608       61     2500 SH       OTHER               N.A.     N.A.     N.A.
AMERICAN HOME $2.00 CONV PFD   PREFERRED STOCK  026609206       90       50 SH       OTHER               N.A.     N.A.     N.A.
ATLANTIC RICHFIELD CO PFD CONV PREFERRED STOCK  048825400      357      820 SH       OTHER               N.A.     N.A.     N.A.
CROSS TIMBERS OIL SER A        PREFERRED STOCK  227573201       40      860 SH       OTHER               N.A.     N.A.     N.A.
SEALED AIR CORP CVT UNTIL 04/0 PREFERRED STOCK  81211K209       65     1284 SH       OTHER               N.A.     N.A.     N.A.
RELIANT ENERGY INC ( 6.000%  3 OTHER            655419AC3      139   160000 PRN      OTHER               N.A.     N.A.     N.A.
AMERICA ONLINE              12 OTHER            02364JAC8       25    50000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD PREM INCOME MUN FD OTHER            6706D8104        8      700 SH       OTHER                   700        0        0
NUVEEN PREMIUM INC MUN FD      OTHER            67062T100      146    12227 SH       OTHER                 12227        0        0
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703      162      930 SH       OTHER                   930        0        0
MIDCAP S & P DEP REC TR UNIT S OTHER            595635103      323     3645 SH       OTHER                  3445        0      200
NASDAQ 100 SHARES              OTHER            631100104       61      650 SH       DEFINED                 300        0      350
NASDAQ 100 SHARES              OTHER            631100104     1335    14324 SH       OTHER                 14224        0      100
BLACKROCK INSD MUN TERM TR INC OTHER            092474105       68     6800 SH       OTHER                  6800        0        0
BLACKROCK INSD MUN 2008 TERM C OTHER            09247K109       21     1500 SH       DEFINED                1500        0        0
BLACKROCK INSD MUN 2008 TERM C OTHER            09247K109      451    31948 SH       OTHER                 31948        0        0
BLACKROCK MUN TARGET TERM TR   OTHER            09247M105      733    72419 SH       OTHER                 72419        0        0
DREYFUS STRATEGIC MUN BD FD IN OTHER            26202F107       28     3500 SH       OTHER                  3500        0        0
DREYFUS STRATEGIC MUNS INC     OTHER            261932107       69     8600 SH       OTHER                  8600        0        0
DUFF & PHELPS UTILS TFI        OTHER            264325101       36     2800 SH       DEFINED                2800        0        0
EATON VANCE MUN INCOME TR      OTHER            27826U108       89     8200 SH       OTHER                  8200        0        0
INSURED MUN INCOME FD COM      OTHER            45809F104       34     2800 SH       OTHER                  2800        0        0
MFS MUN INCOME TR SH BEN INT   OTHER            552738106       68     9000 SH       OTHER                  9000        0        0
MUNIHOLDINGS INSURED FD        OTHER            625930102      158    13573 SH       OTHER                 13573        0        0
MUNIYIELD INSD FD INC COM      OTHER            62630E107      334    26849 SH       OTHER                 26849        0        0
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       16     1200 SH       OTHER                  1200        0        0
NUVEEN INSD QUALITY MUN FD INC OTHER            67062N103      622    47357 SH       OTHER                 47357        0        0
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103      350    27760 SH       OTHER                 27760        0        0
NUVEEN MUN ADVANTAGE FD INC    OTHER            67062H106      134    10675 SH       OTHER                 10675        0        0
NUVEEN MUN INCOME FD INC       OTHER            67062J102      619    54382 SH       OTHER                 54382        0        0
NUVEEN MUN MKT OPPORTUNITY FD  OTHER            67062W103       63     4875 SH       OTHER                  4875        0        0
NUVEEN MUN VALUE FD INC        OTHER            670928100     1057   125314 SH       OTHER                125314        0        0
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108       98     8200 SH       OTHER                  8200        0        0
NUVEEN PREM INCOME MUN FD 4 IN OTHER            6706K4105      101     8248 SH       OTHER                  8248        0        0
NUVEEN PREMIER MUNI INC FD     OTHER            670988104       13     1000 SH       OTHER                  1000        0        0
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       13     1000 SH       OTHER                  1000        0        0
NUVEEN SELECT TAX FREE INCOME  OTHER            67063C106      667    47863 SH       OTHER                 47863        0        0
NUVEEN SELECT TAX FREE INCOME  OTHER            67063X100      296    22000 SH       OTHER                 22000        0        0
NUVEEN SELECT TAX-FREE INCOME  OTHER            67062F100      338    23537 SH       OTHER                 23537        0        0
PUTNAM INVT GRADE MUN TR       OTHER            746805100       53     5200 SH       OTHER                  5200        0        0
PUTNAM MANAGED MUN INCOME TR   OTHER            746823103       49     5400 SH       OTHER                  5400        0        0
PUTNAM TAX FREE HEALTH CARE FD OTHER            746920107        8      700 SH       OTHER                   700        0        0
VAN KAMPEN MUN OPPORTUNITY     OTHER            920944105        6      510 SH       OTHER                   510        0        0
VAN KAMPEN MUNICIPAL INCME TR  OTHER            920909108       32     3700 SH       OTHER                  3700        0        0
VAN KAMPEN MUNICIPAL TRUST COM OTHER            920919107      109     8170 SH       OTHER                  8170        0        0
VAN KAMPEN TRUST INVESTMENT GR OTHER            920929106      220    16400 SH       OTHER                 16400        0        0
VAN KAMPEN VALUE MUN INCOME    OTHER            921132106        6      500 SH       OTHER                   500        0        0
BARCLAYS BK PLC SER E 8.000    OTHER            06738C836        7      300 SH       OTHER               N.A.     N.A.     N.A.
NEWS CORP LTD SPONSORED ADR RE OTHER            652487802      228     4800 SH       DEFINED             N.A.     N.A.     N.A.
LA GLORIA ROYALTY LTD PARTNERS OTHER            999999998      137        1 SH       OTHER                     1        0        0
OXFORD TAX EXEMPT FUND II UNIT OTHER            69181P100       23      950 SH       OTHER                   950        0        0
RENAISSANCE CAP GROWTH & INC F OTHER            75966V105       20     1531 SH       DEFINED                1531        0        0
ACM GOVT SPECTRUM FD INC       OTHER            000917104       19     3333 SH       DEFINED                3333        0        0
BLACKROCK INVT QUALITY TERM TR OTHER            09247J102       30     3800 SH       OTHER                  3800        0        0
BLACKROCK STRATEGIC TERM TR IN OTHER            09247P108       18     2000 SH       DEFINED                2000        0        0
DEBT STRATEGIES @CORP FUND II  OTHER            242901106       15     2000 SH       OTHER                  2000        0        0
DUFF & PHELPS UTILITIES INC CO OTHER            264324104       19     1975 SH       DEFINED                1975        0        0
DUFF & PHELPS UTILITIES INC CO OTHER            264324104       10     1000 SH       OTHER                  1000        0        0
EMERGING MKTS TELECOMMUNICATIO OTHER            290887108        4      300 SH       DEFINED                   0        0      300
GENERAL AMERICAN INVESTORS     OTHER            368802104        5      124 SH       OTHER                   124        0        0
HANCOCK JOHN PATRIOT PREM DIVI OTHER            41013Q101        9     1100 SH       DEFINED                   0        0     1100
HANCOCK JOHN PATRIOT PREM DIVI OTHER            41013Q101       40     4800 SH       OTHER                  4800        0        0
INVESCO GLOBAL HEALTH SCIENCE  OTHER            46128N109       30     1637 SH       DEFINED                1621        0       16
MANAGED HIGH INCOME PORTFOLIO  OTHER            56166C105       28     3228 SH       OTHER                  3228        0        0
MUNIVEST FD II INC COM         OTHER            62629P105        5      475 SH       OTHER                   475        0        0
NUVEEN PREM MUNI INCOME FD II  OTHER            67063W102      236    17999 SH       OTHER                 17999        0        0
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       87     6699 SH       OTHER                  6699        0        0
NUVEEN TX QUALITY INCOME MUN F OTHER            670983105       78     6100 SH       DEFINED                6100        0        0
NUVEEN TX QUALITY INCOME MUN F OTHER            670983105      977    76619 SH       OTHER                 76619        0        0
SALOMON BROS FD INC            OTHER            795477108       72     4088 SH       DEFINED                4088        0        0
SALOMON BROS FD INC            OTHER            795477108       57     3268 SH       OTHER                  3268        0        0
SPAIN FD INC                   OTHER            846330108       34     2670 SH       OTHER                  2670        0        0
TCW CONV SECS FD INC           OTHER            872340104       72     6892 SH       DEFINED                5792        0     1100
TEMPLETON DRAGON FD COM        OTHER            88018T101      117    13600 SH       OTHER                 13600        0        0
VAN KAMPEN MUN OPPORTUNITY     OTHER            920935103        5      333 SH       OTHER                   333        0        0
VAN KAMPEN TRUST INSURED MUNIC OTHER            920928108       14      930 SH       OTHER                   930        0        0
ZWEIG TOTAL RETURN FD INC      OTHER            989837109       17     2558 SH       OTHER                  2558        0        0
</TABLE>


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