UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: March 31, 2001
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: Regions Financial Corporation
Address: 417 North 20th Street
Birmingham, AL 35202
Form 13F File Number: 28-01129
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: Ronald C. Jackson
Title: Senior Vice President and Director of Investor Relations
Phone: 205/326-7090
Signature, Place, and Date of Signing:
/s/Ronald C. Jackson Birmingham, Alabama May 14, 2001
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X]13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[ ]13F NOTICE. (Check here if no holdings reported are in this
report, and all holdings are reported by other reporting
manager(s).)
[ ]13F COMBINATION REPORT. (Check here if a portion of the
holdings for this reporting manager are reported in this
report and a portion are reported by other reporting
manager(s).)
List of Other Managers Reporting for this Manager: None
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 740
Form 13F Information Table Value Total: $2,593,611(thousands)
List of Other Included Managers: None
Provide a numbered list of the name(s) and Form 13F file
number(s) of all institutional investment managers with respect
to which this report is filed, other than the manager filing this
report.
Form 13F INFORMATION TABLE
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
NAME OF ISSUER TITLE OF CLASS CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY
(THOUSANDS) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE
GLOBAL CROSSING LTD COM G3921A100 2,546 188,700 SH DEFINED 164,196 831 23,673
GLOBAL CROSSING LTD COM G3921A100 163 12,090 SH OTHER 10,624 1,216 250
HELEN OF TROY CORP COM G4388N106 225 40,000 SH DEFINED 40,000
HILFIGER TOMMY CORP ORD G8915Z102 1,542 120,000 SH DEFINED 120,000
TRANSOCEAN SEDCO FOREX INC ORD G90078109 1,623 37,447 SH DEFINED 37,152 295
TRANSOCEAN SEDCO FOREX INC ORD G90078109 46 1,050 SH OTHER 1,012 38
AFLAC INC COM 001055102 11,018 400,072 SH DEFINED 396,082 3,990
AFLAC INC COM 001055102 831 30,164 SH OTHER 6,410 20,754 3,000
AGL RES INC COM 001204106 205 9,339 SH DEFINED 6,367 2,972
AGL RES INC COM 001204106 265 12,100 SH OTHER 12,100
AES CORP COM 00130H105 1,835 36,736 SH DEFINED 36,628 108
AES CORP COM 00130H105 38 754 SH OTHER 754
AOL TIME WARNER INC COM 00184A105 6,626 165,025 SH DEFINED 142,829 800 21,396
AOL TIME WARNER INC COM 00184A105 1,089 27,119 SH OTHER 11,585 2,609 12,925
A T & T CORP COM 001957109 6,541 307,102 SH DEFINED 247,706 2,667 56,729
A T & T CORP COM 001957109 1,688 79,255 SH OTHER 55,483 3,875 19,897
ABBOTT LABORATORIES COM 002824100 2,757 58,431 SH DEFINED 56,431 2,000
ABBOTT LABORATORIES COM 002824100 1,509 31,981 SH OTHER 16,885 15,096
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 1,665 50,904 SH DEFINED 50,904
ACXIOM CORP COM 005125109 875 41,918 SH DEFINED 41,918
ACXIOM CORP COM 005125109 63 3,000 SH OTHER 800 2,200
ADTRAN INC COM 00738A106 801 32,600 SH DEFINED 32,600
ADVANCED MICRO DEVICES INC COM 007903107 605 22,800 SH DEFINED 22,800
AEGON N V ORD AMER REG 007924103 640 21,884 SH DEFINED 21,884
AEGON N V ORD AMER REG 007924103 583 19,941 SH OTHER 11,949 7,992
AETNA INC COM 00817Y108 236 6,584 SH DEFINED 584 6,000
AETNA INC COM 00817Y108 36 1,000 SH OTHER 1,000
AFFILIATED COMPUTER SVCS INC CL A 008190100 1,558 24,000 SH DEFINED 24,000
AGILENT TECHNOLOGIES INC COM 00846U101 1,765 57,444 SH DEFINED 56,587 857
AGILENT TECHNOLOGIES INC COM 00846U101 194 6,298 SH OTHER 5,727 114 457
AIR PRODUCTS & CHEMICALS INC COM 009158106 128 3,332 SH DEFINED 2,900 432
AIR PRODUCTS & CHEMICALS INC COM 009158106 122 3,176 SH OTHER 2,176 1,000
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 203 4,896 SH DEFINED 4,896
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 8 190 SH OTHER 190
ALCOA INC COM 013817101 4,217 117,289 SH DEFINED 117,105 184
ALCOA INC COM 013817101 231 6,422 SH OTHER 5,690 732
ALEXANDER & BALDWIN INC COM COM 014482103 776 36,300 SH DEFINED 36,300
ALFA CORP COM 015385107 374 19,774 SH DEFINED 14,774 5,000
ALFA CORP COM 015385107 411 21,698 SH OTHER 698 21,000
ALLEGHENY ENERGY INC COM 017361106 281 6,080 SH DEFINED 5,880 200
ALLEGHENY ENERGY INC COM 017361106 65 1,400 SH OTHER 600 800
ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 418 10,150 SH DEFINED 9,650 500
ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 124 3,000 SH OTHER 3,000
ALLSTATE CORP COM 020002101 2,734 65,193 SH DEFINED 60,945 2,348 1,900
ALLSTATE CORP COM 020002101 783 18,663 SH OTHER 15,889 2,774
ALLTEL CORP COM 020039103 6,652 126,793 SH DEFINED 126,363 430
ALLTEL CORP COM 020039103 530 10,095 SH OTHER 10,079 16
ALTERA CORP COM 021441100 1,705 79,550 SH DEFINED 78,950 600
AMERADA HESS CORP COM 023551104 2,698 34,540 SH DEFINED 34,240 300
AMEREN CORP COM 023608102 240 5,850 SH DEFINED 5,850
AMEREN CORP COM 023608102 53 1,300 SH OTHER 1,300
AMERICAN ELECTRIC POWER INC COM 025537101 1,142 24,290 SH DEFINED 23,263 1,027
AMERICAN ELECTRIC POWER INC COM 025537101 32 681 SH OTHER 360 60 261
AMERICAN EXPRESS CO COM 025816109 7,842 189,874 SH DEFINED 178,334 11,540
AMERICAN EXPRESS CO COM 025816109 1,551 37,565 SH OTHER 29,251 1,500 6,814
AMERICAN GENERAL CORP COM 026351106 5,744 150,158 SH DEFINED 149,958 200
AMERICAN GENERAL CORP COM 026351106 916 23,940 SH OTHER 300 23,640
AMERICAN GREETINGS CORP CL A CL A 026375105 54 5,100 SH DEFINED 5,100
AMERICAN GREETINGS CORP CL A CL A 026375105 95 9,000 SH OTHER 3,600 5,400
AMERICAN HOME PRODUCTS CORP COM 026609107 33,706 573,712 SH DEFINED 544,197 1,130 28,385
AMERICAN HOME PRODUCTS CORP COM 026609107 7,116 121,126 SH OTHER 112,676 1,970 6,480
AMERICAN INTL GROUP INC COM 026874107 42,198 524,193 SH DEFINED 511,723 156 12,314
AMERICAN INTL GROUP INC COM 026874107 2,193 27,239 SH OTHER 19,376 1,373 6,490
AMERICAN STD COS INC DEL COM 029712106 1,772 30,000 SH DEFINED 30,000
AMERISOURCE HEALTH CORP CL A 03071P102 1,177 24,000 SH DEFINED 24,000
AMGEN INC COM 031162100 9,811 163,004 SH DEFINED 160,627 318 2,059
AMGEN INC COM 031162100 290 4,813 SH OTHER 3,681 697 435
AMSOUTH BANCORPORATION COM 032165102 8,060 479,482 SH DEFINED 427,654 51,828
AMSOUTH BANCORPORATION COM 032165102 7,061 420,067 SH OTHER 281,774 5,000 133,293
ANADARKO PETE CORP COM 032511107 3,027 48,220 SH DEFINED 48,220
ANADARKO PETE CORP COM 032511107 72 1,139 SH OTHER 1,139
ANALOG DEVICES INC COM 032654105 2,066 57,000 SH DEFINED 57,000
ANALOG DEVICES INC COM 032654105 4 100 SH OTHER 100
ANDRX GROUP COM 034553107 882 18,000 SH DEFINED 18,000
ANHEUSER BUSCH COS INC COM 035229103 15,374 334,721 SH DEFINED 332,305 374 2,042
ANHEUSER BUSCH COS INC COM 035229103 904 19,685 SH OTHER 17,481 1,204 1,000
AON CORP COM 037389103 1,018 28,675 SH DEFINED 28,675
APPLERA CORP APPLID BIOSYS AP BIO GRP 038020103 111 4,000 SH DEFINED 4,000
APPLERA CORP APPLID BIOSYS AP BIO GRP 038020103 172 6,200 SH OTHER 6,200
APPLIED MATLS INC COM 038222105 8,322 191,320 SH DEFINED 189,270 2,050
APPLIED MATLS INC COM 038222105 123 2,825 SH OTHER 2,750 75
AFCO STEEL COM 040992208 633 855 SH DEFINED 855
ASTRAZENECA PLC SPONSORED ADR 046353108 280 5,800 SH DEFINED 5,800
AUBURN NATIONAL BANCORPORATION COM 050473107 531 50,310 SH OTHER 50,310
AUTOMATIC DATA PROCESSING INC COM 053015103 3,620 66,564 SH DEFINED 63,223 1,026 2,315
AUTOMATIC DATA PROCESSING INC COM 053015103 704 12,946 SH OTHER 6,415 1,856 4,675
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 50 11,542 SH OTHER 11,542
AVAYA INC COM 053499109 150 11,573 SH DEFINED 9,550 2,023
AVAYA INC COM 053499109 95 7,287 SH OTHER 5,637 117 1,533
AVON PRODS INC COM 054303102 449 11,236 SH DEFINED 11,136 100
BISYS GROUP INC COM 055472104 1,176 22,000 SH DEFINED 22,000
BJS WHSL CLUB INC COM 05548J106 1,914 40,000 SH DEFINED 40,000
BJ SVCS CO COM 055482103 2,869 40,300 SH DEFINED 40,000 300
BP AMOCO PLC ADS SPONSORED ADR 055622104 11,883 239,476 SH DEFINED 231,547 834 7,095
BP AMOCO PLC ADS SPONSORED ADR 055622104 3,497 70,481 SH OTHER 58,424 10,314 1,743
BMC SOFTWARE INC COM 055921100 304 14,146 SH DEFINED 12,946 1,200
BMC SOFTWARE INC COM 055921100 4 200 SH OTHER 200
BAKER HUGHES INC COM 057224107 728 20,049 SH DEFINED 20,049
BAKER HUGHES INC COM 057224107 5 147 SH OTHER 106 41
BANK AMER CORP COM 060505104 16,531 301,931 SH DEFINED 288,220 4,155 9,556
BANK AMER CORP COM 060505104 11,689 213,491 SH OTHER 206,035 7,156 300
BANK NEW YORK INC COM 064057102 1,782 36,180 SH DEFINED 29,692 6,308 180
BANK NEW YORK INC COM 064057102 206 4,180 SH OTHER 200 3,580 400
BANK ONE CORP COM 06423A103 406 11,217 SH DEFINED 6,921 64 4,232
BANK ONE CORP COM 06423A103 367 10,137 SH OTHER 7,898 1,539 700
BARRICK GOLD CORP COM 067901108 1,671 116,955 SH DEFINED 116,125 830
BARRICK GOLD CORP COM 067901108 14 1,000 SH OTHER 1,000
BARR LABS INC COM 068306109 1,601 28,000 SH DEFINED 28,000
BAXTER INTERNATIONAL INC COM 071813109 707 7,509 SH DEFINED 7,419 90
BAXTER INTERNATIONAL INC COM 071813109 467 4,959 SH OTHER 3,295 940 724
BEAR STEARNS COS INC COM 073902108 185 4,048 SH DEFINED 4,048
BEAR STEARNS COS INC COM 073902108 54 1,177 SH OTHER 1,177
BECKMAN COULTER INC COM 075811109 2,345 60,000 SH DEFINED 60,000
BECTON DICKINSON & CO COM 075887109 346 9,800 SH DEFINED 9,800
BECTON DICKINSON & CO COM 075887109 36 1,008 SH OTHER 1,008
BELLSOUTH CORP COM 079860102 15,233 372,270 SH DEFINED 342,260 3,150 26,860
BELLSOUTH CORP COM 079860102 5,808 141,935 SH OTHER 100,173 8,560 33,202
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 524 8 SH DEFINED 7 1
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,309 20 SH OTHER 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 792 364 SH DEFINED 359 5
BERKSHIRE HATHAWAY INC DEL CL B 084670207 544 250 SH OTHER 245 5
BIOCRYST PHARMACEUTICALS INC COM 09058V103 27 4,300 SH DEFINED 4,300
BIOCRYST PHARMACEUTICALS INC COM 09058V103 681 110,054 SH OTHER 2,000 108,054
BLACK HILLS CORP COM 092113109 1,646 36,000 SH DEFINED 36,000
BLACKROCK INSD MUN TERM TR INC COM 092474105 258 25,000 SH DEFINED 25,000
BLOCK H & R INC COM 093671105 135 2,700 SH DEFINED 2,200 500
BLOCK H & R INC COM 093671105 120 2,400 SH OTHER 2,400
BLOUNT INTL INC NEW COM 095180105 211 47,851 SH OTHER 47,851
BOEING CO COM 097023105 1,347 24,180 SH DEFINED 23,722 458
BOEING CO COM 097023105 10,017 179,810 SH OTHER 178,052 1,758
BRINKER INTL INC COM 109641100 837 30,000 SH DEFINED 30,000
BRISTOL MYERS SQUIBB CO COM 110122108 41,673 701,564 SH DEFINED 670,209 1,335 30,020
BRISTOL MYERS SQUIBB CO COM 110122108 7,662 128,988 SH OTHER 100,765 8,025 20,198
BROADCOM CORPORATION CL A 111320107 665 23,000 SH DEFINED 23,000
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 3,635 119,648 SH DEFINED 118,224 1,424
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 260 8,544 SH OTHER 7,119 1,425
BURLINGTON RESOURCES INC COM 122014103 1,041 23,257 SH DEFINED 19,225 1,436 2,596
BURLINGTON RESOURCES INC COM 122014103 188 4,204 SH OTHER 3,486 718
CDW COMPUTER CTRS INC COM 125129106 930 30,000 SH DEFINED 30,000
CIGNA CORP COM 125509109 32 300 SH DEFINED 300
CIGNA CORP COM 125509109 236 2,196 SH OTHER 2,196
CSG SYS INTL INC COM 126349109 989 24,000 SH DEFINED 24,000
CSX CORP COM 126408103 301 8,940 SH DEFINED 8,940
CSX CORP COM 126408103 341 10,120 SH OTHER 9,720 400
CADENCE DESIGN SYS INC COM 127387108 1,849 100,000 SH DEFINED 100,000
CALPINE CORP COM 131347106 2,754 50,000 SH DEFINED 50,000
CAMPBELL SOUP CO COM 134429109 281 9,400 SH DEFINED 8,800 600
CAMPBELL SOUP CO COM 134429109 66 2,200 SH OTHER 1,000 400 800
CARDINAL HEALTH INC COM 14149Y108 49 504 SH DEFINED 504
CARDINAL HEALTH INC COM 14149Y108 160 1,649 SH OTHER 583 1,066
CARLISLE COS INC COM 142339100 219 6,700 SH DEFINED 1,900 4,800
CATELLUS DEV CORP COM 149111106 1,073 68,136 SH DEFINED 136 68,000
CATERPILLAR INC COM 149123101 3,638 81,967 SH DEFINED 81,367 600
CATERPILLAR INC COM 149123101 196 4,412 SH OTHER 4,412
CENTURYTEL INC COM 156700106 433 15,058 SH DEFINED 15,058
CENTURYTEL INC COM 156700106 27 945 SH OTHER 945
CHEVRON CORP COM 166751107 18,359 209,103 SH DEFINED 205,215 1,541 2,347
CHEVRON CORP COM 166751107 3,049 34,731 SH OTHER 27,718 2,653 4,360
CHIRON CORP COM 170040109 298 6,790 SH DEFINED 6,790
CHIRON CORP COM 170040109 44 1,000 SH OTHER 1,000
CHUBB CORP COM 171232101 408 5,628 SH DEFINED 5,628
CINERGY CORP COM 172474108 275 8,187 SH DEFINED 5,287 2,900
CINERGY CORP COM 172474108 168 5,000 SH OTHER 5,000
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 829 78,247 SH DEFINED 76,479 1,768
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 24 2,279 SH OTHER 679 1,600
CISCO SYS INC COM 17275R102 18,717 1,183,662 SH DEFINED 1,124,367 3,588 55,707
CISCO SYS INC COM 17275R102 868 54,923 SH OTHER 32,394 5,199 17,330
CIRRUS LOGIC INC COM 172755100 687 46,000 SH DEFINED 46,000
CITIGROUP INC COM 172967101 42,626 947,676 SH DEFINED 912,493 298 34,885
CITIGROUP INC COM 172967101 5,215 115,936 SH OTHER 93,746 3,475 18,715
CLOROX CO COM 189054109 3,560 113,195 SH DEFINED 96,063 1,027 16,105
CLOROX CO COM 189054109 316 10,057 SH OTHER 6,322 2,311 1,424
COCA COLA CO COM 191216100 69,339 1,535,413 SH DEFINED 1,324,751 12,603 198,059
COCA COLA CO COM 191216100 73,914 1,636,720 SH OTHER 1,588,885 14,760 33,075
COCA COLA ENTERPRISES INC COM 191219104 6,058 340,732 SH DEFINED 172,980 167,752
COCA COLA ENTERPRISES INC COM 191219104 29,054 1,634,066 SH OTHER 1,633,985 81
COLGATE PALMOLIVE CO COM 194162103 3,902 70,615 SH DEFINED 64,547 500 5,568
COLGATE PALMOLIVE CO COM 194162103 15,425 279,128 SH OTHER 269,828 1,400 7,900
COLONIAL BANCGROUP INC COM 195493309 158 12,166 SH DEFINED 12,166
COLONIAL BANCGROUP INC COM 195493309 244 18,784 SH OTHER 14,784 4,000
COLONIAL PPTYS TR (REIT) SH BEN INT 195872106 81 3,035 SH DEFINED 3,035
COLONIAL PPTYS TR (REIT) SH BEN INT 195872106 311 11,600 SH OTHER 11,600
COMERICA INC COM 200340107 4,613 75,000 SH DEFINED 75,000
COMPASS BANCSHARES, INC. COM 20449H109 2,142 100,197 SH DEFINED 96,378 3,819
COMPASS BANCSHARES, INC. COM 20449H109 1,974 92,344 SH OTHER 92,344
COMPAQ COMPUTER CORP COM 204493100 2,084 114,492 SH DEFINED 112,834 1,658
COMPAQ COMPUTER CORP COM 204493100 478 26,251 SH OTHER 25,461 290 500
COMPUTER SCIENCES CORP COM 205363104 602 18,614 SH DEFINED 17,464 1,150
COMPUTER SCIENCES CORP COM 205363104 3 100 SH OTHER 100
CONAGRA FOODS INC COM COM 205887102 2,200 120,600 SH DEFINED 120,600
CONAGRA FOODS INC COM COM 205887102 189 10,362 SH OTHER 10,162 200
CONCORD EFS INC COM 206197105 4,044 100,000 SH DEFINED 100,000
CONEXANT SYS INC COM 207142100 147 16,418 SH DEFINED 16,418
CONEXANT SYS INC COM 207142100 26 2,914 SH OTHER 1,466 1,448
CONOCO INC CL B 208251405 3,332 117,951 SH DEFINED 117,621 330
CONOCO INC CL B 208251405 119 4,212 SH OTHER 4,212
CONSOLIDATED EDISON INC COM 209115104 160 4,301 SH DEFINED 4,301
CONSOLIDATED EDISON INC COM 209115104 141 3,790 SH OTHER 3,790
CONSTELLATION ENERGY GROUP I COM 210371100 245 5,558 SH DEFINED 5,558
CONSTELLATION ENERGY GROUP I COM 210371100 19 436 SH OTHER 436
CORNING INC COM 219350105 5,053 244,219 SH DEFINED 241,215 149 2,855
CORNING INC COM 219350105 263 12,713 SH OTHER 9,714 1,299 1,700
COSTCO WHSL CORP COM 22160K105 2,995 76,312 SH DEFINED 76,140 172
COSTCO WHSL CORP COM 22160K105 416 10,600 SH OTHER 400 10,200
COVANTA ENERGY CORP COM 22281N103 528 31,400 SH DEFINED 1,400 30,000
CROSS TIMBERS OIL CO COM 227573102 247 9,963 SH DEFINED 9,963
DPL INC COM 233293109 2,305 82,025 SH DEFINED 82,025
DPL INC COM 233293109 39 1,400 SH OTHER 1,400
DELHAIZE AMER INC CL A 246688105 212 10,358 SH DEFINED 10,358
DELL COMPUTER CORP COM 247025109 1,818 70,776 SH DEFINED 53,361 1,815 15,600
DELL COMPUTER CORP COM 247025109 461 17,957 SH OTHER 15,822 2,035 100
DELPHI AUTOMOTIVE SYS CORP COM 247126105 217 15,338 SH DEFINED 12,963 419 1,956
DELPHI AUTOMOTIVE SYS CORP COM 247126105 87 6,139 SH OTHER 5,223 828 88
DELTA AIR LINES INC COM 247361108 248 6,290 SH DEFINED 6,290
DELTA AIR LINES INC COM 247361108 225 5,688 SH OTHER 5,688
DELTIC TIMBER CORP COM 247850100 372 18,386 SH DEFINED 18,386
DIAL CORP NEW COM COM 25247D101 2,502 200,126 SH DEFINED 194,033 543 5,550
DIAL CORP NEW COM COM 25247D101 152 12,148 SH OTHER 8,976 1,918 1,254
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 2,092 53,160 SH DEFINED 53,160
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 4 100 SH OTHER 100
DIEBOLD INC COM 253651103 207 7,523 SH DEFINED 6,323 1,200
DILLARDS INC CL A 254067101 260 11,853 SH DEFINED 4,019 7,834
DILLARDS INC CL A 254067101 184 8,400 SH OTHER 8,400
WALT DISNEY COMPANY DISNEY 254687106 5,326 186,227 SH DEFINED 184,563 500 1,164
WALT DISNEY COMPANY DISNEY 254687106 1,778 62,173 SH OTHER 29,751 3,400 29,022
DOLLAR TREE STORES INC COM 256747106 1,426 74,000 SH DEFINED 74,000
DOMINION RES INC VA NEW COM 25746U109 4,043 62,704 SH DEFINED 62,563 141
DOMINION RES INC VA NEW COM 25746U109 27 421 SH OTHER 421
DOVER CORP COM 260003108 1,514 42,244 SH DEFINED 17,200 25,044
DOW CHEM CO COM COM 260543103 1,208 38,257 SH DEFINED 37,957 300
DOW CHEM CO COM COM 260543103 561 17,766 SH OTHER 14,162 150 3,454
DREYFUS STRATEGIC MUNS INC COM 261932107 468 50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 32 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 473 52,566 SH DEFINED 52,566
DU PONT E I DE NEMOURS & CO COM 263534109 10,157 249,552 SH DEFINED 242,057 1,206 6,289
DU PONT E I DE NEMOURS & CO COM 263534109 2,268 55,724 SH OTHER 43,024 12,700
DUFF & PHELPS UTILS INCOME,INC COM 264324104 142 13,505 SH DEFINED 13,101 404
DUFF & PHELPS UTILS INCOME,INC COM 264324104 40 3,840 SH OTHER 3,840
DUKE ENERGY CORP COM 264399106 6,654 155,697 SH DEFINED 148,179 7,518
DUKE ENERGY CORP COM 264399106 672 15,724 SH OTHER 15,324 400
E M C CORP MASS COM 268648102 16,881 574,171 SH DEFINED 546,328 587 27,256
E M C CORP MASS COM 268648102 997 33,896 SH OTHER 24,385 2,014 7,497
ENSCO INTL INC COM 26874Q100 2,240 64,000 SH DEFINED 64,000
EASTMAN KODAK CO COM 277461109 825 20,674 SH DEFINED 17,774 750 2,150
EASTMAN KODAK CO COM 277461109 370 9,285 SH OTHER 8,610 675
EATON CORP COM 278058102 355 5,182 SH DEFINED 5,010 172
EATON VANCE ARKANSAS MUNI FUND SH BEN INT 27826L736 183 17,439 SH DEFINED 1,225 16,214
EATON VANCE MUNICIPAL INCOME FD COM 27826U108 417 33,332 SH DEFINED 33,332
EL PASO CORP COM 28336L109 587 8,987 SH DEFINED 6,741 2,246
EL PASO CORP COM 28336L109 770 11,790 SH OTHER 8,562 3,228
ELECTRONIC ARTS COM 285512109 1,519 28,000 SH DEFINED 28,000
ELECTRONIC ARTS COM 285512109 222 4,100 SH OTHER 4,100
ELECTRONIC DATA SYS CORP NEW COM 285661104 3,801 68,047 SH DEFINED 67,449 40 558
ELECTRONIC DATA SYS CORP NEW COM 285661104 831 14,880 SH OTHER 3,156 100 11,624
EMERSON ELECTRIC CO COM 291011104 4,531 73,082 SH DEFINED 72,472 610
EMERSON ELECTRIC CO COM 291011104 664 10,710 SH OTHER 9,510 1,200
ENERGEN CORP COM 29265N108 418 11,846 SH DEFINED 9,446 2,400
ENERGEN CORP COM 29265N108 330 9,341 SH OTHER 5,800 3,541
ENERGYSOUTH INC COM 292970100 1,236 59,197 SH DEFINED 44,780 14,417
ENERGYSOUTH INC COM 292970100 42 2,000 SH OTHER 2,000
ENRON CORPORATION COM 293561106 2,690 46,301 SH DEFINED 45,242 1,059
ENRON CORPORATION COM 293561106 32 550 SH OTHER 550
ENTERGY CORP COM 29364G103 515 13,563 SH DEFINED 12,367 8 1,188
ENTERGY CORP COM 29364G103 42 1,100 SH OTHER 100 1,000
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 408 3,083 SH DEFINED 2,600 483
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 13 100 SH OTHER 100
EXELON CORP COM 30161N101 351 5,344 SH DEFINED 5,229 115
EXELON CORP COM 30161N101 126 1,920 SH OTHER 527 341 1,052
EXXON MOBIL CORP COM 30231G102 65,843 812,872 SH DEFINED 755,967 4,502 52,403
EXXON MOBIL CORP COM 30231G102 15,108 186,520 SH OTHER 163,497 10,064 12,959
FPL GROUP INC COM 302571104 823 13,423 SH DEFINED 13,107 16 300
FPL GROUP INC COM 302571104 67 1,100 SH OTHER 400 400 300
FAMILY DOLLAR STORES INC COM 307000109 3,354 130,496 SH DEFINED 129,826 470 200
FAMILY DOLLAR STORES INC COM 307000109 21 808 SH OTHER 354 454
FEDERAL HOME LN MTG CORP COM 313400301 2,917 44,998 SH DEFINED 44,378 620
FEDERAL HOME LN MTG CORP COM 313400301 2 36 SH OTHER 36
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 28,384 356,578 SH DEFINED 347,974 545 8,059
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 1,019 12,804 SH OTHER 8,987 1,210 2,607
FEDEX CORP COM 31428X106 1,606 38,534 SH DEFINED 1,938 36,596
FEDEX CORP COM 31428X106 47 1,129 SH OTHER 929 200
FIRST DATA CORP COM 319963104 2,191 36,690 SH DEFINED 36,690
FIRST DATA CORP COM 319963104 114 1,902 SH OTHER 1,902
FIRST HEALTH GROUP CORP COM 320960107 1,316 30,000 SH DEFINED 30,000
FIRST HEALTH GROUP CORP COM 320960107 9 200 SH OTHER 200
FIRST UNION CORP COM 337358105 947 28,689 SH DEFINED 26,093 76 2,520
FIRST UNION CORP COM 337358105 278 8,427 SH OTHER 3,366 1,061 4,000
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 1,070 24,680 SH OTHER 24,680
FIRSTAR CORP NEW WIS COM 33763V109 4,769 208,693 SH DEFINED 208,693
FISERV INC COM 337738108 2,460 55,000 SH DEFINED 55,000
FIRSTENERGY CORP COM 337932107 204 7,311 SH DEFINED 7,111 200
FIRSTENERGY CORP COM 337932107 16 566 SH OTHER 200 190 176
FLEETBOSTON FINL CORP COM 339030108 6,559 173,753 SH DEFINED 173,753
FLEETBOSTON FINL CORP COM 339030108 87 2,302 SH OTHER 2,302
FLEMING COMPANIES INC COM 339130106 462 18,150 SH DEFINED 18,150
FLORIDA ROCK INDS INC COM 341140101 240 6,083 SH DEFINED 4,500 1,583
FLORIDA ROCK INDS INC COM 341140101 28 705 SH OTHER 705
FORD MTR CO DEL PAR $0.01 345370860 5,253 186,815 SH DEFINED 176,806 10,009
FORD MTR CO DEL PAR $0.01 345370860 569 20,238 SH OTHER 17,156 3,082
FOREST LABS INC COM 345838106 1,944 32,815 SH DEFINED 32,215 600
FOREST LABS INC COM 345838106 12 200 SH OTHER 200
FORTUNE BRANDS INC COM 349631101 574 16,695 SH DEFINED 14,520 2,175
FORTUNE BRANDS INC COM 349631101 147 4,280 SH OTHER 4,280
FRONTIER AIRLINES COM 359065109 1,219 100,000 SH DEFINED 100,000
GATX CORP COM COM 361448103 200 4,700 SH DEFINED 4,700
GATX CORP COM COM 361448103 17 400 SH OTHER 400
GALLAGHER ARTHUR J & CO COM 363576109 388 14,000 SH DEFINED 14,000
GALLAHER GROUP PLC COM 363595109 407 16,872 SH DEFINED 16,572 300
GALLAHER GROUP PLC COM 363595109 79 3,280 SH OTHER 3,280
GANNETT INC COM 364730101 793 13,271 SH DEFINED 9,271 600 3,400
GANNETT INC COM 364730101 801 13,413 SH OTHER 13,013 400
GAP INC COM 364760108 409 17,257 SH DEFINED 15,457 1,800
GATEWAY INC COM 367626108 365 21,725 SH DEFINED 20,925 800
GATEWAY INC COM 367626108 51 3,050 SH OTHER 3,050
GENERAL DYNAMICS CORP COM 369550108 2,420 38,570 SH DEFINED 37,971 599
GENERAL DYNAMICS CORP COM 369550108 2 34 SH OTHER 34
GENERAL ELECTRIC CO COM 369604103 102,582 2,450,598 SH DEFINED 2,368,075 5,275 77,248
GENERAL ELECTRIC CO COM 369604103 26,630 636,159 SH OTHER 517,972 13,961 104,226
GENERAL MILLS INC COM 370334104 4,133 96,091 SH DEFINED 90,095 5,996
GENERAL MILLS INC COM 370334104 510 11,867 SH OTHER 10,627 1,240
GENERAL MOTORS CORP COM 370442105 5,839 112,609 SH DEFINED 84,059 750 27,800
GENERAL MOTORS CORP COM 370442105 704 13,582 SH OTHER 12,616 966
GENUINE PARTS CO COM 372460105 1,022 39,455 SH DEFINED 34,955 4,500
GENUINE PARTS CO COM 372460105 465 17,945 SH OTHER 17,345 600
GENZYME CORP GENL DIV 372917104 3,613 40,000 SH DEFINED 40,000
GEORGIA GULF CORP PAR $0.01 373200203 522 30,000 SH DEFINED 30,000
GEORGIA PAC CORP (GA PAC GR) GA PAC GRP 373298108 3,167 107,728 SH DEFINED 105,656 2,072
GEORGIA PAC CORP (GA PAC GR) GA PAC GRP 373298108 59 2,000 SH OTHER 2,000
GEORGIA PAC CORP TIMBER GROUP COM-TIMBER GRP 373298702 3,181 110,844 SH DEFINED 59,308 1,036 50,500
GILEAD SCIENCES INC COM 375558103 1,853 57,000 SH DEFINED 57,000
GILLETTE CO COM 375766102 10,357 332,279 SH DEFINED 307,765 24,514
GILLETTE CO COM 375766102 2,357 75,604 SH OTHER 58,329 1,700 15,575
GLAXO SMITHKLINE SPONSORED ADR 37733W105 189 3,620 SH DEFINED 3,575 45
GLAXO SMITHKLINE SPONSORED ADR 37733W105 149 2,850 SH OTHER 2,850
GLOBAL MARINE INC COM 379352404 2,086 81,500 SH DEFINED 81,500
GOVERNMENT SECURITIES INC FUND COM 383743127 1 10,000 SH DEFINED 10,000
GRANT PRIDECO INC COM 38821G101 227 13,200 SH DEFINED 13,200
GRAY COMMUNICATIONS SYSTEM INC COM 389190109 3,002 168,750 SH DEFINED 168,750
HALLIBURTON CO COM 406216101 12,375 336,729 SH DEFINED 332,143 299 4,287
HALLIBURTON CO COM 406216101 345 9,390 SH OTHER 6,938 2,003 449
HANOVER COMPRESSOR CO COM 410768105 761 24,000 SH DEFINED 24,000
HARTFORD FINL SVCS GROUP INC COM 416515104 236 4,005 SH DEFINED 4,005
HARTFORD FINL SVCS GROUP INC COM 416515104 13 225 SH OTHER 225
HEALTHSOUTH CORP COM 421924101 106 8,225 SH DEFINED 8,225
HEALTHSOUTH CORP COM 421924101 92 7,150 SH OTHER 7,150
HEALTH MGMT ASSOC INC NEW CL A 421933102 1,403 90,238 SH DEFINED 90,000 238
HEINZ H J CO COM 423074103 1,856 46,162 SH DEFINED 45,219 943
HEINZ H J CO COM 423074103 532 13,245 SH OTHER 12,345 900
HERSHEY FOODS CORP COM 427866108 1,073 15,484 SH DEFINED 15,059 425
HERSHEY FOODS CORP COM 427866108 716 10,332 SH OTHER 8,800 100 1,432
HEWLETT PACKARD CO COM 428236103 4,819 154,097 SH DEFINED 152,247 1,850
HEWLETT PACKARD CO COM 428236103 1,164 37,240 SH OTHER 32,616 4,624
HI SHEAR TECHNOLOGY CORP COM 42839Y104 40 20,000 SH DEFINED 20,000
HIBERNIA CORP CL A 428656102 349 24,976 SH DEFINED 24,976
HILTON HOTELS COM 432848109 1,222 116,944 SH DEFINED 4,444 112,500
HOME DEPOT INC COM 437076102 23,344 541,627 SH DEFINED 527,331 2,069 12,227
HOME DEPOT INC COM 437076102 1,572 36,481 SH OTHER 21,075 1,006 14,400
HONEYWELL INTERNATIONAL INC COM 438516106 1,075 26,343 SH DEFINED 25,558 785
HONEYWELL INTERNATIONAL INC COM 438516106 446 10,933 SH OTHER 2,027 8,906
HOST MARRIOTT CORP NEW (REIT) COM 44107P104 1,023 87,598 SH DEFINED 4,465 83,133
HOUSEHOLD INTERNATIONAL CORP COM 441815107 473 7,990 SH DEFINED 7,990
HOUSEHOLD INTERNATIONAL CORP COM 441815107 947 15,992 SH OTHER 8,146 460 7,386
HOUSTON EXPL CO COM 442120101 3,000 100,000 SH DEFINED 100,000
ICN PHARMACEUTICALS INC NEW COM 448924100 2,797 110,000 SH DEFINED 110,000
ICOS CORP COM 449295104 1,900 40,000 SH DEFINED 40,000
IDEC PHARMACEUTICALS CORP COM 449370105 600 15,000 SH DEFINED 15,000
IDACORP INC COM 451107106 1,949 51,000 SH DEFINED 51,000
INPRIMIS INC COM 45769X103 9 10,000 SH OTHER 10,000
INSURED MUNICIPAL INCOME FUND COM 45809F104 584 44,583 SH DEFINED 44,583
INSURED MUNICIPAL INCOME FUND COM 45809F104 11 865 SH OTHER 865
INTEGRATED DEVICE TECH INC COM 458118106 1,658 56,000 SH DEFINED 56,000
INTEL CORP COM 458140100 45,482 1,728,522 SH DEFINED 1,652,324 4,051 72,147
INTEL CORP COM 458140100 5,882 223,554 SH OTHER 192,914 8,976 21,664
INTERGRAPH CORP COM 458683109 293 30,250 SH DEFINED 30,250
INTERGRAPH CORP COM 458683109 34 3,500 SH OTHER 3,500
INTERNATIONAL BUS MACHINES CORP COM 459200101 51,303 533,410 SH DEFINED 498,408 309 34,693
INTERNATIONAL BUS MACHINES CORP COM 459200101 5,916 61,513 SH OTHER 50,411 2,702 8,400
INTERNATIONAL PAPER CO COM 460146103 7,446 206,376 SH DEFINED 204,642 300 1,434
INTERNATIONAL PAPER CO COM 460146103 1,622 44,952 SH OTHER 43,839 1,113
INTERPUBLIC GROUP COS INC COM 460690100 94 2,731 SH DEFINED 2,731
INTERPUBLIC GROUP COS INC COM 460690100 295 8,600 SH OTHER 8,600
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 717 14,000 SH DEFINED 14,000
IVAX CORP COM 465823102 2,536 80,493 SH DEFINED 80,493
JDS UNIPHASE CORP COM 46612J101 4,450 241,365 SH DEFINED 233,848 162 7,355
JDS UNIPHASE CORP COM 46612J101 111 6,026 SH OTHER 2,031 520 3,475
JP MORGAN CHASE & CO COM 46625H100 14,636 325,976 SH DEFINED 317,608 3,980 4,388
JP MORGAN CHASE & CO COM 46625H100 1,263 28,123 SH OTHER 19,658 7,725 740
JEFFERSON PILOT CORP COM 475070108 14,589 214,899 SH DEFINED 195,482 670 18,747
JEFFERSON PILOT CORP COM 475070108 4,582 67,488 SH OTHER 41,367 2,446 23,675
JOHNSON & JOHNSON COM 478160104 48,091 549,806 SH DEFINED 521,519 1,245 27,042
JOHNSON & JOHNSON COM 478160104 4,029 46,064 SH OTHER 30,543 3,061 12,460
KAYDON CORP COM 486587108 156 5,800 SH DEFINED 2,000 3,800
KAYDON CORP COM 486587108 71 2,650 SH OTHER 2,650
KEANE INC COM 486665102 130 10,000 SH DEFINED 10,000
KELLOGG CO COM 487836108 172 6,345 SH DEFINED 5,145 1,200
KELLOGG CO COM 487836108 303 11,200 SH OTHER 10,400 800
KERR MCGEE CORP COM 492386107 453 6,986 SH DEFINED 6,986
KERR MCGEE CORP COM 492386107 7 101 SH OTHER 101
KEYCORP NEW COM 493267108 476 18,432 SH DEFINED 18,032 400
KIMBERLY CLARK CORP COM 494368103 22,238 327,843 SH DEFINED 306,691 489 20,663
KIMBERLY CLARK CORP COM 494368103 4,836 71,298 SH OTHER 59,143 3,132 9,023
KNIGHT RIDDER INC COM 499040103 1,713 31,898 SH DEFINED 31,898
LSI LOGIC CORP COM 502161102 1,353 86,000 SH DEFINED 86,000
LEGG MASON INC COM 524901105 1,179 28,000 SH DEFINED 28,000
LILLY ELI & CO COM 532457108 3,673 47,915 SH DEFINED 46,705 800 410
LILLY ELI & CO COM 532457108 3,004 39,188 SH OTHER 34,888 900 3,400
LINCARE HLDGS INC COM 532791100 1,059 20,000 SH DEFINED 20,000
LINCOLN NATIONAL CORP IND COM 534187109 361 8,500 SH DEFINED 8,500
LIZ CLAIBORNE INC COM 539320101 1,796 38,174 SH DEFINED 38,174
LOCKHEED MARTIN CORP COM 539830109 1,524 42,758 SH DEFINED 42,639 119
LOCKHEED MARTIN CORP COM 539830109 56 1,581 SH OTHER 1,300 281
LOEWS CORP COM 540424108 1,069 18,000 SH OTHER 18,000
LONE STAR TECHNOLOGIES INC COM 542312103 1,796 42,000 SH DEFINED 42,000
LOUISIANA PACIFIC CORP COM 546347105 919 95,645 SH DEFINED 95,367 278
LOWES COS INC COM 548661107 7,769 132,922 SH DEFINED 131,741 1,181
LOWES COS INC COM 548661107 50 850 SH OTHER 850
LUCENT TECHNOLOGIES INC COM 549463107 6,745 676,521 SH DEFINED 620,422 2,421 53,678
LUCENT TECHNOLOGIES INC COM 549463107 1,763 176,822 SH OTHER 144,017 3,955 28,850
LUFKIN INDUSTRIES INCORPORATED COM 549764108 1 40 SH DEFINED 40
LUFKIN INDUSTRIES INCORPORATED COM 549764108 733 36,765 SH OTHER 36,765
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 65 9,815 SH DEFINED 9,815
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 16 2,380 SH OTHER 2,380
MACROMEDIA INC COM 556100105 353 22,000 SH DEFINED 22,000
MANULIFE FINL CORP COM 56501R106 289 10,929 SH DEFINED 10,929
MARSH & MCLENNAN COS INC COM 571748102 3,820 40,198 SH DEFINED 39,330 126 742
MARSH & MCLENNAN COS INC COM 571748102 645 6,785 SH OTHER 1,154 413 5,218
MARRIOTT INTL INC NEW CL A 571903202 1,524 37,000 SH DEFINED 37,000
MARRIOTT INTL INC NEW CL A 571903202 412 10,000 SH OTHER 200 9,800
MASCO CORP COM 574599106 264 10,950 SH DEFINED 10,950
MASCO CORP COM 574599106 63 2,600 SH OTHER 2,600
MAY DEPT STORES CO COM 577778103 82 2,322 SH OTHER 2,322
MAYTAG CORP COM 578592107 23,215 719,851 SH DEFINED 719,851
MAYTAG CORP COM 578592107 65 2,000 SH OTHER 2,000
MCCORMICK & CO INC COMMON STOCK NON VTG 579780206 826 19,664 SH DEFINED 19,664
MCCORMICK & CO INC COMMON STOCK NON VTG 579780206 37 888 SH OTHER 888
MCDATA CORP CL B 580031201 320 16,951 SH DEFINED 16,100 851
MCDATA CORP CL B 580031201 16 829 SH OTHER 582 40 207
MCDONALDS CORP COM 580135101 4,331 163,135 SH DEFINED 159,335 3,800
MCDONALDS CORP COM 580135101 1,880 70,820 SH OTHER 52,700 18,120
MCGRAW-HILL COMPANIES INC NEW COM 580645109 442 7,414 SH DEFINED 7,014 400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 84 1,400 SH OTHER 1,200 200
MCKESSON HBOC INC COM 58155Q103 133 4,968 SH DEFINED 4,968
MCKESSON HBOC INC COM 58155Q103 90 3,383 SH OTHER 3,383
MEAD CORP COM 582834107 1,611 64,217 SH DEFINED 61,600 2,617
MEAD CORP COM 582834107 2,204 87,846 SH OTHER 34,318 53,528
MEDICAL ASSURN INC COM 58449U100 201 16,329 SH DEFINED 13,238 3,091
MEDICAL ASSURN INC COM 58449U100 20 1,633 SH OTHER 1,633
MEDTRONIC INC COM 585055106 268 5,864 SH DEFINED 5,614 250
MEDTRONIC INC COM 585055106 435 9,500 SH OTHER 9,500
MELLON FINL CORP COM 58551A108 4,650 114,760 SH DEFINED 114,660 100
MELLON FINL CORP COM 58551A108 49 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 43,684 575,554 SH DEFINED 549,569 1,117 24,868
MERCK & CO INC COM 589331107 12,455 164,095 SH OTHER 129,168 2,487 32,440
MERRILL LYNCH & CO INC COM 590188108 2,373 42,834 SH DEFINED 42,834
MERRILL LYNCH & CO INC COM 590188108 6 100 SH OTHER 100
METAL MGMT INC COM 591097100 6 200,000 SH DEFINED 200,000
MICREL INC COM 594793101 838 30,000 SH DEFINED 30,000
MICROSOFT CORP COM 594918104 42,692 780,642 SH DEFINED 753,374 2,897 24,371
MICROSOFT CORP COM 594918104 3,438 62,862 SH OTHER 49,982 1,647 11,233
MICROCHIP TECHNOLOGY INC COM 595017104 1,772 70,000 SH DEFINED 70,000
MICRON TECHNOLOGY INC COM 595112103 12,351 297,410 SH DEFINED 295,560 1,850
MICRON TECHNOLOGY INC COM 595112103 192 4,625 SH OTHER 4,025 600
MILLENNIUM PHARMACTCLS INC COM 599902103 2,437 80,000 SH DEFINED 80,000
MN MINING & MANUFACTURING CO COM 604059105 6,143 59,123 SH DEFINED 57,257 1,266 600
MN MINING & MANUFACTURING CO COM 604059105 1,499 14,423 SH OTHER 13,290 433 700
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 5,937 110,977 SH DEFINED 110,877 100
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 814 15,208 SH OTHER 15,208
MORRISON MGMT SPECIALISTS INC COM 618459101 1,101 27,603 SH DEFINED 19,113 8,490
MORRISON MGMT SPECIALISTS INC COM 618459101 911 22,827 SH OTHER 22,827
MOTOROLA INC COM 620076109 4,151 291,085 SH DEFINED 287,885 3,200
MOTOROLA INC COM 620076109 678 47,520 SH OTHER 40,100 1,620 5,800
MUNIHOLDINGS FD II INC COM 625935101 135 10,900 SH DEFINED 10,900
MUNIHOLDINGS INSD FD II INC COM 62625A102 127 10,000 SH DEFINED 10,000
MURPHY OIL CORP COM 626717102 1,298 19,500 SH DEFINED 19,500
NN INC COM 629337106 160 20,000 SH DEFINED 20,000
NASDAQ 100 TR UNIT SER 1 631100104 1,619 41,351 SH DEFINED 40,220 1,131
NASDAQ 100 TR UNIT SER 1 631100104 56 1,431 SH OTHER 31 1,400
NATIONAL CITY CORP COM 635405103 205 7,682 SH DEFINED 7,682
NATIONAL CITY CORP COM 635405103 54 2,000 SH OTHER 2,000
NATIONAL COMM BANCORPORATION COM 635449101 1,985 80,000 SH DEFINED 80,000
NATIONAL COMM BANCORPORATION COM 635449101 28 1,148 SH OTHER 980 168
NATIONAL FUEL GAS CO N J COM 636180101 54 1,000 SH DEFINED 1,000
NATIONAL FUEL GAS CO N J COM 636180101 215 4,008 SH OTHER 4,008
NATIONAL-OILWELL INC COM 637071101 1,039 30,000 SH DEFINED 30,000
NETWORK APPLIANCE INC COM 64120L104 1,532 91,100 SH DEFINED 90,700 400
NEWMONT MINING CORP (NEW) COM 651639106 1,762 109,284 SH DEFINED 109,277 7
NEWMONT MINING CORP (NEW) COM 651639106 3 188 SH OTHER 188
NOKIA CORP SPONSORED ADR 654902204 7,577 315,728 SH DEFINED 302,362 13,366
NOKIA CORP SPONSORED ADR 654902204 527 21,956 SH OTHER 8,231 13,725
NOBLE DRILLING CORP COM 655042109 2,499 54,134 SH DEFINED 54,000 134
NORFOLK SOUTHERN CORPORATION COM 655844108 279 16,641 SH DEFINED 15,633 1,008
NORFOLK SOUTHERN CORPORATION COM 655844108 422 25,204 SH OTHER 21,604 3,600
NORTEL NETWORKS CORP NEW COM 656568102 8,951 637,111 SH DEFINED 632,490 246 4,375
NORTEL NETWORKS CORP NEW COM 656568102 106 7,574 SH OTHER 5,319 205 2,050
NORTHERN TRUST CORP COM 665859104 203 3,250 SH DEFINED 1,550 1,700
NUVEEN PERF PLUS MUN FD INC COM 67062P108 186 13,360 SH DEFINED 13,150 210
NUVEEN PERF PLUS MUN FD INC COM 67062P108 10 700 SH OTHER 700
NVIDIA CORP COM 67066G104 649 10,000 SH DEFINED 10,000
OGE ENERGY CORP COM 670837103 195 8,500 SH DEFINED 8,000 500
OGE ENERGY CORP COM 670837103 45 1,950 SH OTHER 1,800 150
NUVEEN MUN VALUE FD INC COM 670928100 204 22,108 SH DEFINED 22,108
NUVEEN MUN VALUE FD INC COM 670928100 25 2,666 SH OTHER 2,666
NUVEEN TEX QUAL INCM MUN FD COM 670983105 722 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 1,552 62,726 SH DEFINED 62,726
OLD REPUBLIC INTL CORP COM 680223104 79 2,775 SH DEFINED 2,775
OLD REPUBLIC INTL CORP COM 680223104 9,067 319,255 SH OTHER 65,500 253,755
OMNICOM GROUP COM 681919106 1,134 13,686 SH OTHER 13,686
ONEOK INC NEW COM 682680103 380 9,303 SH DEFINED 9,303
ORACLE CORPORATION COM 68389X105 13,122 875,992 SH DEFINED 855,921 10,591 9,480
ORACLE CORPORATION COM 68389X105 538 35,947 SH OTHER 26,716 8,931 300
OUTBACK STEAKHOUSE INC COM 689899102 1,086 42,650 SH DEFINED 42,650
OXFORD HEALTH PLANS INC COM 691471106 803 30,000 SH DEFINED 30,000
PNC FINANCIAL SERVICES GROUP COM 693475105 2,656 39,200 SH DEFINED 38,200 1,000
PNC FINANCIAL SERVICES GROUP COM 693475105 183 2,701 SH OTHER 400 1,791 510
PPG INDUSTRIES INC COM 693506107 1 26 SH DEFINED 26
PPG INDUSTRIES INC COM 693506107 304 6,600 SH OTHER 6,200 400
PACCAR INC COM 693718108 63 1,400 SH DEFINED 1,400
PACCAR INC COM 693718108 242 5,404 SH OTHER 5,404
PARKER DRILLING CO COM 701081101 1,920 300,000 SH DEFINED 300,000
PEMCO AVIATION GROUP INC COM 706444106 91 10,000 SH DEFINED 10,000
PEPSICO INC COM 713448108 22,821 519,258 SH DEFINED 512,729 441 6,088
PEPSICO INC COM 713448108 1,808 41,133 SH OTHER 22,940 3,093 15,100
PFIZER INC COM 717081103 53,729 1,312,056 SH DEFINED 1,269,616 688 41,752
PFIZER INC COM 717081103 6,025 147,138 SH OTHER 91,724 3,608 51,806
PHARMACIA CORP COM 71713U102 10,832 215,042 SH DEFINED 207,322 279 7,441
PHARMACIA CORP ADJ CONVR RATE 71713U102 2,510 49,832 SH OTHER 27,355 4,827 17,650
PHARMACIA CORP ADJ CONVR RATE 71713U201 209 4,690 SH DEFINED 2,490 2,200
PHARMACIA CORP COM 71713U201 94 2,100 SH OTHER 2,100
PHILIP MORRIS COS INC COM 718154107 23,726 500,032 SH DEFINED 494,735 1,382 3,915
PHILIP MORRIS COS INC COM 718154107 2,845 59,948 SH OTHER 52,191 6,605 1,152
PHILLIPS PETE CO COM 718507106 4,502 81,778 SH DEFINED 81,778
PIONEER NATURAL RESOURCES CO COM 723787107 809 51,500 SH DEFINED 51,500
PITNEY BOWES INC COM 724479100 1,293 37,196 SH DEFINED 36,100 1,096
PITNEY BOWES INC COM 724479100 403 11,600 SH OTHER 11,600
POWERWAVE TECHNOLOGIES INC COM 739363109 545 40,000 SH DEFINED 40,000
PROCTER & GAMBLE CO COM 742718109 29,072 464,417 SH DEFINED 444,437 820 19,160
PROCTER & GAMBLE CO COM 742718109 4,941 78,934 SH OTHER 48,022 3,432 27,480
PROGRESS ENERGY INC COM 743263105 762 17,699 SH DEFINED 17,691 8
PROGRESS ENERGY INC COM 743263105 162 3,761 SH OTHER 1,666 95 2,000
PROTECTIVE LIFE CORP COM 743674103 1,882 61,365 SH DEFINED 61,365
PROTECTIVE LIFE CORP COM 743674103 8,181 266,743 SH OTHER 265,387 700 656
PROTEIN DESIGN LABS INC COM 74369L103 445 10,000 SH DEFINED 10,000
PROVIDIAN FINL CORP COM 74406A102 1,216 24,790 SH DEFINED 24,790
PROVIDIAN FINL CORP COM 74406A102 1,480 30,180 SH OTHER 16,380 13,800
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 3,830 88,747 SH DEFINED 87,997 750
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 4 94 SH OTHER 94
PUTNAM INVT GRADE MUN TR COM 746805100 341 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 364 42,949 SH DEFINED 41,500 1,449
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 73 10,955 SH DEFINED 7,455 3,500
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 19 2,863 SH OTHER 2,863
PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 60 9,142 SH DEFINED 9,142
PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 8 1,263 SH OTHER 1,263
QUAKER OATS CO COM 747402105 1,197 12,339 SH DEFINED 9,939 2,400
QUAKER OATS CO COM 747402105 271 2,796 SH OTHER 1,900 896
QUALCOMM INC COM 747525103 15,004 264,969 SH DEFINED 258,279 6,690
QUALCOMM INC COM 747525103 615 10,854 SH OTHER 7,004 3,850
QUEST DIAGNOSTICS INC COM 74834L100 1,955 22,000 SH DEFINED 22,000
QUESTAR CORP COM 748356102 330 12,050 SH DEFINED 12,050
QUESTAR CORP COM 748356102 27 1,000 SH OTHER 1,000
QWEST COMM INTL INC COM 749121109 14,412 411,181 SH DEFINED 379,388 912 30,881
QWEST COMM INTL INC COM 749121109 752 21,448 SH OTHER 15,197 2,988 3,263
RF MICRO DEVICES INC COM 749941100 701 60,000 SH DEFINED 60,000
RADIOSHACK CORP COM 750438103 80 2,189 SH DEFINED 2,189
RADIOSHACK CORP COM 750438103 249 6,800 SH OTHER 6,800
RALSTON-RALSTON PURINA GROUP COM 751277302 1,034 33,200 SH DEFINED 1,200 32,000
RALSTON-RALSTON PURINA GROUP COM 751277302 67 2,143 SH OTHER 2,143
RATIONAL SOFTWARE CORP COM NEW 75409P202 888 50,000 SH DEFINED 50,000
RAYTHEON CO CL B CL B 755111408 1,606 54,660 SH DEFINED 54,610 50
RAYTHEON CO CL B CL B 755111408 30 1,030 SH OTHER 630 400
REGIONS FINANCIAL CORP COM 758940100 108,773 3,824,904 SH DEFINED 2,942,030 10,495 872,379
REGIONS FINANCIAL CORP COM 758940100 53,316 1,874,806 SH OTHER 1,646,100 37,325 191,381
RELIANT ENERGY INC COM 75952J108 929 20,526 SH DEFINED 20,309 217
RELIANT ENERGY INC COM 75952J108 192 4,243 SH OTHER 1,247 1,498 1,498
ROCKWELL INTL CORP NEW COM 773903109 653 17,962 SH DEFINED 17,962
ROCKWELL INTL CORP NEW COM 773903109 131 3,614 SH OTHER 1,642 1,972
ROSS STORES INC COM 778296103 938 50,000 SH DEFINED 50,000
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD 1.25 780257804 10,658 192,249 SH DEFINED 191,049 300 900
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD 1.25 780257804 1,285 23,184 SH OTHER 20,184 2,000 1,000
RUBY TUESDAY INC COM 781182100 5,711 291,239 SH DEFINED 244,099 824 46,316
RUBY TUESDAY INC COM 781182100 1,697 86,512 SH OTHER 76,512 10,000
RUSSELL CORP COM 782352108 66 3,515 SH DEFINED 3,515
RUSSELL CORP COM 782352108 248 13,276 SH OTHER 1,000 12,276
SBC COMMUNICATIONS INC NEW COM 78387G103 16,856 377,683 SH DEFINED 358,096 2,701 16,886
SBC COMMUNICATIONS INC NEW COM 78387G103 3,739 83,781 SH OTHER 58,686 5,801 19,294
SPDR TR COM 78462F103 451 3,869 SH DEFINED 3,189 680
SPDR TR COM 78462F103 315 2,700 SH OTHER 2,000 700
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 257 12,010 SH DEFINED 12,010
SAFEWAY INC COM NEW 786514208 419 7,594 SH DEFINED 7,594
SAFEWAY INC COM NEW 786514208 12 225 SH OTHER 225
ST PAUL COS INC COM 792860108 393 8,925 SH DEFINED 8,925
ST PAUL COS INC COM 792860108 200 4,548 SH OTHER 4,548
SAKS INC COM 79377W108 416 32,000 SH DEFINED 1,000 31,000
SARA LEE CORP COM 803111103 807 37,396 SH DEFINED 36,874 522
SARA LEE CORP COM 803111103 263 12,200 SH OTHER 7,400 4,800
SAWTEK INC COM 805468105 713 40,000 SH DEFINED 40,000
SCANA CORP NEW COM 80589M102 891 32,820 SH DEFINED 31,263 1,557
SCANA CORP NEW COM 80589M102 182 6,697 SH OTHER 6,597 100
SCHERING-PLOUGH CORP COM 806605101 12,844 351,588 SH DEFINED 338,013 13,575
SCHERING-PLOUGH CORP COM 806605101 1,451 39,710 SH OTHER 21,090 8,320 10,300
SCHLUMBERGER LTD COM 806857108 9,454 164,103 SH DEFINED 151,435 494 12,174
SCHLUMBERGER LTD COM 806857108 675 11,719 SH OTHER 10,236 583 900
SCUDDER MUN INCOME TR SH BEN INT 81118R604 486 42,185 SH DEFINED 41,000 1,185
SEARS ROEBUCK & CO COM 812387108 615 17,426 SH DEFINED 15,842 1,584
SEARS ROEBUCK & CO COM 812387108 266 7,554 SH OTHER 6,763 791
SEMPRA ENERGY COM 816851109 223 9,597 SH DEFINED 9,597
SEMPRA ENERGY COM 816851109 21 889 SH OTHER 889
SEPRACOR INC COM 817315104 1,280 40,000 SH DEFINED 40,000
SERVICEMASTER CO COM 81760N109 1,558 138,761 SH DEFINED 19,761 119,000
SHELL TRANS & TRADING PLC SH NY SH NEW 822703609 182 3,900 SH DEFINED 3,675 225
SHELL TRANS & TRADING PLC SH NY SH NEW 822703609 449 9,600 SH OTHER 9,600
SILICON VY BANCSHARES COM 827064106 705 30,000 SH DEFINED 30,000
SKYWEST INC COM 830879102 1,163 50,000 SH DEFINED 50,000
SMITH INTL INC COM 832110100 1,404 20,000 SH DEFINED 20,000
SOLECTRON CORP COM 834182107 53 2,770 SH DEFINED 2,770
SOLECTRON CORP COM 834182107 199 10,450 SH OTHER 10,450
SOLUTIA INC COM 834376105 644 52,766 SH DEFINED 52,766
SOLUTIA INC COM 834376105 9 716 SH OTHER 716
SONOCO PRODUCTS CO COM 835495102 280 13,000 SH DEFINED 3,000 10,000
SONOCO PRODUCTS CO COM 835495102 177 8,237 SH OTHER 462 7,775
SOUTH ALABAMA BANCORP INC COM 836234104 369 24,605 SH DEFINED 21,455 3,150
SOUTH ALABAMA BANCORP INC COM 836234104 660 44,031 SH OTHER 44,031
SOUTHERN CO COM 842587107 13,481 384,192 SH DEFINED 367,924 1,376 14,892
SOUTHERN CO COM 842587107 3,229 92,017 SH OTHER 75,283 2,111 14,623
SOUTHSIDE BANCSHARES INC COM 84470P109 118 12,702 SH DEFINED 12,702
SOUTHTRUST CORP COM 844730101 5,820 127,209 SH DEFINED 111,114 435 15,660
SOUTHTRUST CORP COM 844730101 6,940 151,697 SH OTHER 126,168 25,529
SOUTHWEST AIRLINES CO COM 844741108 261 14,729 SH DEFINED 14,729
SOUTHWEST AIRLINES CO COM 844741108 43 2,437 SH OTHER 2,437
SOVEREIGN BANCORP INC COM 845905108 1,186 140,000 SH DEFINED 140,000
SPRINT CORP (FON GROUP) FON GROUP 852061100 1,198 54,460 SH DEFINED 54,460
SPRINT CORP (FON GROUP) FON GROUP 852061100 219 9,938 SH OTHER 9,802 136
SPRINT CORP PCS COM SER 1 852061506 554 29,178 SH DEFINED 29,178
SPRINT CORP PCS COM SER 1 852061506 68 3,582 SH OTHER 3,514 68
STATE STR CORP COM 857477103 154 1,646 SH DEFINED 1,646
STATE STR CORP COM 857477103 747 8,000 SH OTHER 8,000
STERLING BANCSHARES INC COM 858907108 749 42,822 SH DEFINED 42,822
SUN LIFE FINANCIAL SVCS CAN COM 866796105 202 10,408 SH DEFINED 10,408
SUN MICROSYSTEMS INC COM 866810104 13,272 863,487 SH DEFINED 840,342 688 22,457
SUN MICROSYSTEMS INC COM 866810104 421 27,385 SH OTHER 17,260 5,660 4,465
SUNGARD DATA SYS INC COM 867363103 2,476 50,290 SH DEFINED 50,290
SUNTRUST BANKS INC COM 867914103 6,994 107,932 SH DEFINED 98,943 39 8,950
SUNTRUST BANKS INC COM 867914103 1,139 17,576 SH OTHER 15,746 1,830
SYBASE INC COM 871130100 465 30,000 SH DEFINED 30,000
SYNOVUS FINANCIAL CORP COM 87161C105 1,129 41,802 SH DEFINED 16,444 450 24,908
SYNOVUS FINANCIAL CORP COM 87161C105 2,949 109,205 SH OTHER 105,285 505 3,415
SYSCO CORP COM 871829107 3,517 132,682 SH DEFINED 130,201 277 2,204
SYSCO CORP COM 871829107 228 8,603 SH OTHER 7,144 1,459
TECO ENERGY INC COM 872375100 683 22,790 SH DEFINED 22,790
TECO ENERGY INC COM 872375100 337 11,248 SH OTHER 10,648 600
TRW INC COM 872649108 237 6,956 SH DEFINED 6,956
TRW INC COM 872649108 150 4,398 SH OTHER 200 4,198
TXU CORP COM 873168108 761 18,411 SH DEFINED 18,351 16 44
TXU CORP COM 873168108 120 2,910 SH OTHER 2,901 9
TARGET CORP COM 87612E106 9,786 271,241 SH DEFINED 266,464 307 4,470
TARGET CORP COM 87612E106 850 23,565 SH OTHER 19,950 190 3,425
TELLABS INC COM 879664100 2,992 73,547 SH DEFINED 70,186 249 3,112
TELLABS INC COM 879664100 247 6,066 SH OTHER 2,819 2,392 855
TERADYNE INC COM 880770102 502 15,200 SH DEFINED 15,200
TERADYNE INC COM 880770102 3 100 SH OTHER 100
TEXACO INC COM 881694103 9,211 138,721 SH DEFINED 135,156 1,038 2,527
TEXACO INC COM 881694103 816 12,283 SH OTHER 7,903 1,550 2,830
TEXAS INSTRUMENTS INC COM 882508104 17,452 563,316 SH DEFINED 553,534 9,782
TEXAS INSTRUMENTS INC COM 882508104 1,205 38,903 SH OTHER 32,187 2,216 4,500
TEXTRON INC COM 883203101 466 8,200 SH OTHER 8,200
TOPPS COMPANY COM 890786106 253 25,000 SH OTHER 25,000
TORCHMARK CORP COM 891027104 10,791 277,901 SH DEFINED 250,459 800 26,642
TORCHMARK CORP COM 891027104 11,484 295,763 SH OTHER 289,885 594 5,284
TRANSWITCH CORP COM 894065101 788 60,000 SH DEFINED 60,000
TRICON GLOBAL RESTAURANTS COM 895953107 1,252 32,796 SH DEFINED 796 32,000
TRICON GLOBAL RESTAURANTS COM 895953107 20 531 SH OTHER 531
TRIQUINT SEMICONDUCTOR INC COM 89674K103 1,185 80,000 SH DEFINED 80,000
TRIZEC HAHN CORPORATION SUB VTG 896938107 1,029 68,400 SH DEFINED 68,400
TRUSTMARK CORP COM 898402102 773 37,270 SH DEFINED 37,270
TYCO INTL LTD NEW COM 902124106 5,890 136,253 SH DEFINED 117,162 1,622 17,469
TYCO INTL LTD NEW COM 902124106 1,267 29,318 SH OTHER 25,004 2,577 1,737
USX-MARATHON GRP COM NEW 902905827 5,522 204,900 SH DEFINED 204,800 100
USX-MARATHON GRP COM NEW 902905827 80 2,983 SH OTHER 1,350 1,633
UST INC COM 902911106 5,867 195,250 SH DEFINED 195,150 100
UST INC COM 902911106 72 2,400 SH OTHER 2,400
US BANCORP DEL COM NEW COM NEW 902973304 5,137 221,402 SH DEFINED 221,402
US BANCORP DEL COM NEW COM NEW 902973304 15 634 SH OTHER 634
UNION PACIFIC CORP COM 907818108 2,981 52,995 SH DEFINED 52,995
UNION PACIFIC CORP COM 907818108 272 4,841 SH OTHER 3,835 1,006
UNION PLANTERS CORP COM 908068109 1,970 51,190 SH DEFINED 51,190
UNION PLANTERS CORP COM 908068109 7,294 189,506 SH OTHER 34,000 155,506
UNISYS CORP COM 909214108 776 55,444 SH DEFINED 55,444
UNISYS CORP COM 909214108 24 1,743 SH OTHER 1,743
UNITED SEC BANCSHARES INC SHS 911459105 2,853 108,293 SH DEFINED 56,320 51,973
UNITED TECHNOLOGIES CORP COM 913017109 2,820 38,466 SH DEFINED 38,406 60
UNITED TECHNOLOGIES CORP COM 913017109 919 12,532 SH OTHER 12,412 120
UNOCAL CORP COM 915289102 1,455 42,098 SH DEFINED 42,098
USINTERNETWORKING INC COM 917311805 23 19,686 SH OTHER 19,686
V F CORP COM 918204108 3,526 100,748 SH DEFINED 84,070 150 16,528
V F CORP COM 918204108 504 14,400 SH OTHER 14,400
VENATOR GROUP INC COM 922944103 177 12,800 SH DEFINED 12,800
VERIZON COMMUNICATIONS COM 92343V104 38,083 772,481 SH DEFINED 728,544 5,621 38,316
VERIZON COMMUNICATIONS COM 92343V104 3,303 66,990 SH OTHER 50,811 3,932 12,247
VERTEX PHARMACEUTICALS INC COM 92532F100 733 20,000 SH DEFINED 20,000
VIACOM INC CL B 925524308 693 15,762 SH DEFINED 10,650 4,678 434
VIACOM INC CL B 925524308 40 911 SH OTHER 911
VIVENDI UNIVERSAL SPONSORED ADR 92851S204 141 2,320 SH DEFINED 2,320
VIVENDI UNIVERSAL SPONSORED ADR 92851S204 233 3,840 SH OTHER 3,840
VODAFONE GROUP PLC NEW COM 92857W100 1,036 38,153 SH DEFINED 32,463 2,500 3,190
VODAFONE GROUP PLC NEW COM 92857W100 433 15,934 SH OTHER 9,400 1,234 5,300
VULCAN MATERIALS CO COM 929160109 12,889 275,221 SH DEFINED 273,673 1,548
VULCAN MATERIALS CO COM 929160109 6,603 140,995 SH OTHER 76,735 600 63,660
WACHOVIA CORP COM 929771103 659 10,936 SH DEFINED 9,739 397 800
WACHOVIA CORP COM 929771103 487 8,082 SH OTHER 5,896 30 2,156
WADDELL & REED FINL INC CL A CL A 930059100 99 3,475 SH DEFINED 3,475
WADDELL & REED FINL INC CL A CL A 930059100 596 21,020 SH OTHER 20,602 49 369
WADDELL & REED FINL INC CL B CL B 930059209 426 14,999 SH DEFINED 14,999
WADDELL & REED FINL INC CL B CL B 930059209 2,531 89,058 SH OTHER 87,253 217 1,588
WAL MART STORES INC COM 931142103 46,445 919,705 SH DEFINED 896,045 271 23,389
WAL MART STORES INC COM 931142103 3,409 67,501 SH OTHER 47,829 4,845 14,827
WALGREEN CO COM 931422109 1,119 27,421 SH DEFINED 27,421
WASHINGTON MUTUAL INC COM 939322103 432 7,885 SH DEFINED 7,125 760
WASHINGTON MUTUAL INC COM 939322103 62 1,132 SH OTHER 1,132
WASTE MANAGEMENT COM COM 94106L109 2,045 82,797 SH DEFINED 997 81,800
WASTE MANAGEMENT COM COM 94106L109 49 2,000 SH OTHER 2,000
WATSON PHARMACEUTICALS INC COM 942683103 6,437 122,375 SH DEFINED 122,275 100
WEATHERFORD INTL INC NEW COM 947074100 1,974 40,000 SH DEFINED 40,000
WELLS FARGO & CO NEW COM 949746101 9,665 195,370 SH DEFINED 194,278 91 1,001
WELLS FARGO & CO NEW COM 949746101 1,277 25,818 SH OTHER 17,429 1,189 7,200
WESTAMERICA BANCORPORATION COM 957090103 604 16,000 SH DEFINED 16,000
WEYERHAEUSER CO COM 962166104 878 17,281 SH DEFINED 17,015 116 150
WEYERHAEUSER CO COM 962166104 111 2,179 SH OTHER 1,479 700
WILLIAMS COS INC COM 969457100 6,108 142,534 SH DEFINED 140,010 391 2,133
WILLIAMS COS INC COM 969457100 173 4,047 SH OTHER 3,485 562
WINN DIXIE STORES INC COM 974280109 33 1,165 SH DEFINED 1,165
WINN DIXIE STORES INC COM 974280109 2,149 75,746 SH OTHER 75,516 230
WISCONSIN ENERGY CORP COM 976657106 462 21,430 SH DEFINED 20,430 1,000
WISCONSIN ENERGY CORP COM 976657106 16 736 SH OTHER 736
WORLDCOM INC GA NEW COM 98157D106 13,856 741,464 SH DEFINED 687,600 1,468 52,396
WORLDCOM INC GA NEW COM 98157D106 1,587 84,937 SH OTHER 68,938 2,814 13,185
WRIGLEY WM JR CO COM 982526105 2,915 60,422 SH DEFINED 59,922 500
WRIGLEY WM JR CO COM 982526105 589 12,200 SH OTHER 12,200
XCEL ENERGY INC COM 98389B100 537 17,834 SH DEFINED 17,834
XCEL ENERGY INC COM 98389B100 9 302 SH OTHER 70 232
XILINX INC COM 983919101 1,655 47,124 SH DEFINED 47,124
XEROX CORP COM 984121103 49 8,200 SH DEFINED 5,000 3,200
XEROX CORP COM 984121103 51 8,450 SH OTHER 6,150 2,300