UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                           Washington, D.C. 20549

                                  FORM 13F

                             Form 13F COVER PAGE

Report for the Quarter Ended:  March 31, 2003

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 Comptroller
Phone:    205/326-7090

Signature, Place, and Date of Signing:

/s/Ronald C. Jackson        Birmingham, Alabama         May 14, 2003
[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:  743

Form 13F Information Table Value Total:  $2,005,857(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
XCELERA INC			COM		G31611109	        11 	     18,036 	  SH	DEFINED	   18,036
GLOBALSANTAFE CORPORATION	SHS		G3930E101	     1,962 	     95,023 	  SH	DEFINED	   91,723    2,050	   1,250
GLOBALSANTAFE CORPORATION	SHS		G3930E101	       323 	     15,660 	  SH	 OTHER	    4,100    6,160	   5,400
INGERSOLL-RAND COMPANY LTD	CL A		G4776G101	     8,770 	    227,255 	  SH	DEFINED	  223,665		   3,590
INGERSOLL-RAND COMPANY LTD	CL A		G4776G101	       258 	      6,684 	  SH	 OTHER	    5,825		     859
NABORS INDUSTRIES LTD		SHS		G6359F103	       214 	      5,369 	  SH	DEFINED	    2,676		   2,693
NABORS INDUSTRIES LTD		SHS		G6359F103	        10 	        240 	  SH	 OTHER		       240
TRANSOCEAN INC			ORD		G90078109	       110 	      5,378 	  SH	DEFINED	    5,328		      50
TRANSOCEAN INC			ORD		G90078109	       218 	     10,641 	  SH	 OTHER	      483       58	  10,100
XL CAPITAL LTD			CL A		G98255105	       217 	      3,102 	  SH	DEFINED	      362		   2,740
FLEXTRONICS INTL ADR		ORD		Y2573F102	    10,391 	  1,191,608 	  SH	DEFINED	1,184,758		   6,850
FLEXTRONICS INTL ADR		ORD		Y2573F102	        96 	     11,000 	  SH	 OTHER	   11,000
AFLAC INC			COM		001055102	     6,450 	    201,262 	  SH	DEFINED	  196,050      200	   5,012
AFLAC INC			COM		001055102	     1,401 	     43,715 	  SH	 OTHER	   36,295    3,090	   4,330
AGL RES INC			COM		001204106	        42 	      1,760 	  SH	DEFINED	    1,760
AGL RES INC			COM		001204106	       347 	     14,672 	  SH	 OTHER	   11,700    2,972
AOL TIME WARNER INC		COM		00184A105	       356 	     32,797 	  SH	DEFINED	   18,050		  14,747
AOL TIME WARNER INC		COM		00184A105	        76 	      7,031 	  SH	 OTHER	    6,506      525
AT&T CORP			COM NEW		001957505	       164 	     10,093 	  SH	DEFINED	    9,522		     571
AT&T CORP			COM NEW		001957505	        88 	      5,418 	  SH	 OTHER	    2,727    1,628	   1,063
AT & T WIRELESS SERVICES INC	COM		00209A106	       115 	     17,361 	  SH	DEFINED	   16,792		     569
AT & T WIRELESS SERVICES INC	COM		00209A106	        32 	      4,839 	  SH	 OTHER	    3,829      721	     289
ABBOTT LABORATORIES		COM		002824100	    14,774 	    392,818 	  SH	DEFINED	  389,378		   3,440
ABBOTT LABORATORIES		COM		002824100	       864 	     22,960 	  SH	 OTHER	    7,585    9,795	   5,580
ABERCROMBIE & FITCH CO CLASS A	CL A		002896207	    22,494 	    749,054 	  SH	DEFINED	  745,720		   3,334
ABERCROMBIE & FITCH CO CLASS A	CL A		002896207	       183 	      6,100 	  SH	 OTHER	    4,100    2,000
ABERDEEN ASIA PAC PRIME INC	COM		003009107	        54 	     11,000 	  SH	DEFINED	   11,000
ABERDEEN ASIA PAC PRIME INC	COM		003009107	       123 	     25,000 	  SH	 OTHER	   25,000
AEGON N V ADR			ORD AMER REG	007924103	       180 	     23,809 	  SH	DEFINED	   23,679		     130
AEGON N V ADR			ORD AMER REG	007924103	       170 	     22,533 	  SH	 OTHER	   14,241    7,992	     300
AFFILIATED COMPUTER SVCS INC	CL A		008190100	     2,912 	     65,801 	  SH	DEFINED	   64,323		   1,478
AFFILIATED COMPUTER SVCS INC	CL A		008190100	        12 	        268 	  SH	 OTHER				     268
AIR PRODUCTS & CHEMICALS INC	COM		009158106	       121 	      2,927 	  SH	DEFINED	    2,927
AIR PRODUCTS & CHEMICALS INC	COM		009158106	       208 	      5,032 	  SH	 OTHER		     4,032	   1,000
ALABAMA NATL BANCORPORATION DEL	COM		010317105	       395 	      9,625 	  SH	DEFINED	    9,625
ALABAMA NATL BANCORPORATION DEL	COM		010317105	        21 	        500 	  SH	 OTHER	      500
ALBERTSONS INC			COM		013104104	       266 	     14,105 	  SH	DEFINED	    4,815    8,600	     690
ALBERTSONS INC			COM		013104104	        18 	        970 	  SH	 OTHER	      170      800
ALCOA INC			COM		013817101	     2,105 	    108,595 	  SH	DEFINED	  107,865		     730
ALCOA INC			COM		013817101	       159 	      8,225 	  SH	 OTHER	    7,640      425	     160
ALCATEL ADR			SPONSORED ADR	013904305	        82 	     11,965 	  SH	DEFINED	   11,165		     800
ALFA CORP			COM		015385107	       465 	     40,008 	  SH	DEFINED	   40,008
ALFA CORP			COM		015385107	        16 	      1,396 	  SH	 OTHER	    1,396
ALLSTATE CORP			COM		020002101	     2,262 	     68,192 	  SH	DEFINED	   58,124    2,748	   7,320
ALLSTATE CORP			COM		020002101	       368 	     11,097 	  SH	 OTHER	    8,503    2,374	     220
ALLTEL CORP			COM		020039103	       926 	     20,687 	  SH	DEFINED	   19,532		   1,155
ALLTEL CORP			COM		020039103	       293 	      6,535 	  SH	 OTHER	    6,035      500
ALTRIA GROUP INC		COM		02209S103	     4,209 	    140,473 	  SH	DEFINED	  132,758      590	   7,125
ALTRIA GROUP INC		COM		02209S103	     2,000 	     66,748 	  SH	 OTHER	   53,786   11,510	   1,452
AMERICAN EAGLE OUTFITTERS IN	COM		02553E106	     4,065 	    280,000 	  SH	DEFINED	  280,000
AMERICAN ELECTRIC POWER INC	COM		025537101	       277 	     12,104 	  SH	DEFINED	   11,204		     900
AMERICAN ELECTRIC POWER INC	COM		025537101	         9 	        377 	  SH	 OTHER	      120      257
AMERICAN EXPRESS CO		COM		025816109	    12,510 	    376,465 	  SH	DEFINED	  364,036		  12,429
AMERICAN EXPRESS CO		COM		025816109	     1,494 	     44,959 	  SH	 OTHER	   39,142    3,985	   1,832
AMERICAN INTL GROUP INC		COM		026874107	    10,965 	    221,576 	  SH	DEFINED	  202,829      730	  18,017
AMERICAN INTL GROUP INC		COM		026874107	     2,248 	     45,467 	  SH	 OTHER	   17,724    6,322	  21,421
AMGEN INC			COM		031162100	    15,474 	    268,875 	  SH	DEFINED	  263,827    1,580	   3,468
AMGEN INC			COM		031162100	     1,111 	     19,298 	  SH	 OTHER	    8,593    1,883	   8,822
AMSOUTH BANCORPORATION		COM		032165102	     9,190 	    462,264 	  SH	DEFINED	  426,779		  35,485
AMSOUTH BANCORPORATION		COM		032165102	     6,859 	    345,000 	  SH	 OTHER	  242,775   13,164	  89,061
ANADARKO PETE CORP		COM		032511107	     1,320 	     29,009 	  SH	DEFINED	   28,369		     640
ANADARKO PETE CORP		COM		032511107	        70 	      1,537 	  SH	 OTHER	    1,347		     190
ANHEUSER BUSCH COS INC		COM		035229103	    12,669 	    271,806 	  SH	DEFINED	  270,555		   1,251
ANHEUSER BUSCH COS INC		COM		035229103	       573 	     12,299 	  SH	 OTHER	    6,658    3,070	   2,571
AON CORP			COM		037389103	       983 	     47,550 	  SH	DEFINED	      550		  47,000
APACHE CORP			COM		037411105	     4,482 	     72,600 	  SH	DEFINED	   70,899      292	   1,409
APACHE CORP			COM		037411105	       147 	      2,380 	  SH	 OTHER	    2,330		      50
APPLEBEES INTL INC		COM		037899101	     1,130 	     40,315 	  SH	DEFINED	   40,315
APPLIED MATLS INC		COM		038222105	    15,484 	  1,230,870 	  SH	DEFINED	1,190,331		  40,539
APPLIED MATLS INC		COM		038222105	       294 	     23,340 	  SH	 OTHER	   20,340    3,000
ARCHER DANIELS MIDLAND CO	COM		039483102	       451 	     41,719 	  SH	DEFINED	   40,469		   1,250
ARCHER DANIELS MIDLAND CO	COM		039483102	        42 	      3,903 	  SH	 OTHER	    2,153      700	   1,050
ASTRAZENECA PLC			SPONSORED ADR	046353108	       216 	      6,290 	  SH	DEFINED	    5,800		     490
ATLANTIC COAST AIR HLDGS INC	COM		048396105	       994 	    160,000 	  SH	DEFINED	  160,000
AUBURN NATIONAL BANCORPORATION	COM		050473107	       143 	     10,800 	  SH	DEFINED	   10,800
AUBURN NATIONAL BANCORPORATION	COM		050473107	       325 	     24,450 	  SH	 OTHER	   24,450
AUTOMATIC DATA PROCESSING INC	COM		053015103	     1,038 	     33,713 	  SH	DEFINED	   27,354		   6,359
AUTOMATIC DATA PROCESSING INC	COM		053015103	       257 	      8,347 	  SH	 OTHER	    3,830    2,375	   2,142
AVANT IMMUNOTHERAPEUTICS INC	COM		053491106	        13 	     11,542 	  SH	 OTHER				  11,542
AVERY DENNISON CORP		COM		053611109	       254 	      4,334 	  SH	DEFINED	    4,334
AVERY DENNISON CORP		COM		053611109	        59 	      1,000 	  SH	 OTHER	    1,000
AVOCENT CORP			COM		053893103	    10,036 	    430,000 	  SH	DEFINED	  430,000
AVON PRODS INC			COM		054303102	       207 	      3,635 	  SH	DEFINED	    2,061		   1,574
AVON PRODS INC			COM		054303102	       293 	      5,136 	  SH	 OTHER	    5,136
BISYS GROUP INC			COM		055472104	     1,142 	     70,000 	  SH	DEFINED	   70,000
BJ SVCS CO			COM		055482103	       708 	     20,573 	  SH	DEFINED	   20,542		      31
BP PLC ADR			SPONSORED ADR	055622104	    12,200 	    316,133 	  SH	DEFINED	  309,767		   6,366
BP PLC ADR			SPONSORED ADR	055622104	     2,865 	     74,232 	  SH	 OTHER	   61,221   10,452	   2,559
BMC SOFTWARE INC		COM		055921100	       287 	     19,047 	  SH	DEFINED	   17,547		   1,500
BMC SOFTWARE INC		COM		055921100	         8 	        500 	  SH	 OTHER	      500
BANCO BILBAO VIZCAYA S.A. ADR	SPONSORED ADR	05946K101	       104 	     12,445 	  SH	DEFINED	   11,635		     810
BANCO BILBAO VIZCAYA S.A. ADR	SPONSORED ADR	05946K101	         2 	        290 	  SH	 OTHER				     290
BANCORPSOUTH INC		COM		059692103	        56 	      3,064 	  SH	DEFINED	    3,064
BANCORPSOUTH INC		COM		059692103	       184 	     10,000 	  SH	 OTHER	   10,000
BANCTRUST FINANCIAL GP		COM		05978R107	       322 	     22,355 	  SH	DEFINED	   22,355
BANK AMER CORP			COM		060505104	    15,859 	    237,272 	  SH	DEFINED	  233,210		   4,062
BANK AMER CORP			COM		060505104	    20,522 	    307,033 	  SH	 OTHER	  298,514    6,790	   1,729
BANK NEW YORK INC		COM		064057102	       810 	     39,497 	  SH	DEFINED	   37,097    2,400
BANK NEW YORK INC		COM		064057102	        77 	      3,780 	  SH	 OTHER	    1,200    2,580
BANK ONE CORP			COM		06423A103	       288 	      8,313 	  SH	DEFINED	    7,847		     466
BANK ONE CORP			COM		06423A103	       290 	      8,363 	  SH	 OTHER	    6,363    2,000
BANKNORTH GROUP INC		COM		06646R107	       890 	     40,800 	  SH	DEFINED	   40,800
BARRICK GOLD CORP ADR		COM		067901108	       802 	     51,520 	  SH	DEFINED	   47,530      440	   3,550
BARRICK GOLD CORP ADR		COM		067901108	        61 	      3,900 	  SH	 OTHER	      490    3,410
BARR LABS INC			COM		068306109	       252 	      4,416 	  SH	DEFINED	    1,884		   2,532
BARR LABS INC			COM		068306109	        10 	        172 	  SH	 OTHER				     172
BAXTER INTERNATIONAL INC	COM		071813109	       398 	     21,372 	  SH	DEFINED	   20,572		     800
BAXTER INTERNATIONAL INC	COM		071813109	       284 	     15,240 	  SH	 OTHER	   13,160    2,080
BEAR STEARNS COS INC		COM		073902108	       187 	      2,844 	  SH	DEFINED	    2,763		      81
BEAR STEARNS COS INC		COM		073902108	        77 	      1,177 	  SH	 OTHER	    1,177
BECTON DICKINSON & CO		COM		075887109	       511 	     14,850 	  SH	DEFINED	   14,350		     500
BECTON DICKINSON & CO		COM		075887109	        35 	      1,008 	  SH	 OTHER	    1,008
BED BATH & BEYOND INC		COM		075896100	     4,790 	    138,668 	  SH	DEFINED	  134,196		   4,472
BED BATH & BEYOND INC		COM		075896100	        72 	      2,073 	  SH	 OTHER	    1,450      200	     423
BELLSOUTH CORP			COM		079860102	     5,371 	    247,861 	  SH	DEFINED	  230,839      450	  16,572
BELLSOUTH CORP			COM		079860102	     2,671 	    123,245 	  SH	 OTHER	   73,256   31,198	  18,791
BERKSHIRE HATHAWAY INC DEL CL A	CL A		084670108	     1,978 	         31 	  SH	DEFINED	       23		       8
BERKSHIRE HATHAWAY INC DEL CL A	CL A		084670108	     1,404 	         22 	  SH	 OTHER	        2		      20
BERKSHIRE HATHAWAY INC DEL	CL B		084670207	     3,387 	      1,585 	  SH	DEFINED	    1,502        5	      78
BERKSHIRE HATHAWAY INC DEL	CL B		084670207	       752 	        352 	  SH	 OTHER	      336       13	       3
BEST BUY INC			COM		086516101	    13,544 	    502,175 	  SH	DEFINED	  500,350		   1,825
BEST BUY INC			COM		086516101	       256 	      9,480 	  SH	 OTHER	    9,300      180
BIOCRYST PHARMACEUTICALS INC	COM		09058V103	         2 	      1,500 	  SH	DEFINED	    1,500
BIOCRYST PHARMACEUTICALS INC	COM		09058V103	       166 	    109,054 	  SH	 OTHER	    1,000		 108,054
BIOGEN INC			COM		090597105	       194 	      6,464 	  SH	DEFINED	    6,402		      62
BIOGEN INC			COM		090597105	        35 	      1,171 	  SH	 OTHER	    1,171
BLACKROCK INSD MUN TERM TR INC	COM		092474105	       277 	     25,000 	  SH	DEFINED	   25,000
BLACKROCK INSD MUN INCOME TR	COM		092479104	       272 	     19,500 	  SH	DEFINED	   19,500
BLACKROCK MUNICIPAL BOND TR	COM		09249H104	       209 	     15,000 	  SH	DEFINED	   15,000
BLOCK H & R INC			COM		093671105	       272 	      6,365 	  SH	DEFINED	    5,376		     989
BLOCK H & R INC			COM		093671105	       213 	      4,980 	  SH	 OTHER		     4,800	     180
BLOUNT INTL INC NEW		COM		095180105	       269 	     41,851 	  SH	 OTHER				  41,851
BOEING CO			COM		097023105	     5,151 	    205,546 	  SH	DEFINED	  204,507		   1,039
BOEING CO			COM		097023105	       302 	     12,053 	  SH	 OTHER	    9,313    1,400	   1,340
BRINKER INTL INC		COM		109641100	     1,844 	     60,470 	  SH	DEFINED	   60,421		      49
BRISTOL MYERS SQUIBB CO		COM		110122108	    13,085 	    619,281 	  SH	DEFINED	  584,161    1,630	  33,490
BRISTOL MYERS SQUIBB CO		COM		110122108	     2,846 	    134,670 	  SH	 OTHER	  101,754   31,153	   1,763
BROWN & BROWN INC		COM		115236101	     1,290 	     41,200 	  SH	DEFINED	   41,200
BUCKEYE PARTNERS LP UNITS	UNIT LTD PARTN	118230101	       252 	      7,000 	  SH	DEFINED	    6,400		     600
BURLINGTON NORTHN SANTA FE CORP	COM		12189T104	     2,492 	    100,061 	  SH	DEFINED	   98,337    1,424	     300
BURLINGTON NORTHN SANTA FE CORP	COM		12189T104	        45 	      1,825 	  SH	 OTHER	      400    1,425
BURLINGTON RESOURCES INC	COM		122014103	     7,767 	    162,807 	  SH	DEFINED	  157,894    2,520	   2,393
BURLINGTON RESOURCES INC	COM		122014103	       365 	      7,650 	  SH	 OTHER	    3,610    4,040
CIGNA CORP			COM		125509109	       960 	     21,000 	  SH	DEFINED	   21,000
CIGNA CORP			COM		125509109	       100 	      2,196 	  SH	 OTHER		     2,196
CSX CORP			COM		126408103	       187 	      6,548 	  SH	DEFINED	    6,548
CSX CORP			COM		126408103	        58 	      2,020 	  SH	 OTHER	    1,620      400
CVS CORPORATION (DEL)		COM		126650100	     6,662 	    279,344 	  SH	DEFINED	  276,484		   2,860
CVS CORPORATION (DEL)		COM		126650100	       126 	      5,294 	  SH	 OTHER	    4,422      602	     270
CABOT MICROELECTRONICS CORP	COM		12709P103	     2,994 	     71,393 	  SH	DEFINED	   70,424		     969
CAMPBELL SOUP CO		COM		134429109	       168 	      8,000 	  SH	DEFINED	    8,000
CAMPBELL SOUP CO		COM		134429109	       145 	      6,900 	  SH	 OTHER	    6,300      600
CARDINAL HEALTH INC		COM		14149Y108	     6,529 	    114,600 	  SH	DEFINED	  112,377      410	   1,813
CARDINAL HEALTH INC		COM		14149Y108	       345 	      6,049 	  SH	 OTHER	    4,015    1,666	     368
CATERPILLAR INC			COM		149123101	     8,680 	    176,413 	  SH	DEFINED	  174,967		   1,446
CATERPILLAR INC			COM		149123101	       328 	      6,668 	  SH	 OTHER	    3,768		   2,900
CEDAR FAIR L P			DEPOSITRY UNIT	150185106	       374 	     15,000 	  SH	DEFINED	    6,000		   9,000
CENDANT CORP			COM		151313103	       140 	     11,045 	  SH	DEFINED	   11,045
CENTERPOINT ENERGY INC		COM		15189T107	        73 	     10,405 	  SH	DEFINED	    9,188		   1,217
CENTERPOINT ENERGY INC		COM		15189T107	        48 	      6,824 	  SH	 OTHER	      400    6,424
CENTURYTEL INC			COM		156700106	     6,933 	    251,197 	  SH	DEFINED	   16,748		 234,449
CENTURYTEL INC			COM		156700106	        22 	        800 	  SH	 OTHER	      800
CHEVRONTEXACO CORP		COM		166764100	    14,559 	    225,200 	  SH	DEFINED	  212,217    3,710	   9,273
CHEVRONTEXACO CORP		COM		166764100	     3,465 	     53,593 	  SH	 OTHER	   31,761   19,822	   2,010
CHICOS FAS INC			COM		168615102	     4,400 	    220,000 	  SH	DEFINED	  220,000
CINERGY CORP			COM		172474108	       144 	      4,287 	  SH	DEFINED	    2,787		   1,500
CINERGY CORP			COM		172474108	       399 	     11,850 	  SH	 OTHER	    5,850    6,000
CISCO SYS INC			COM		17275R102	    14,857 	  1,144,328 	  SH	DEFINED	1,112,722    1,450	  30,156
CISCO SYS INC			COM		17275R102	     1,052 	     81,016 	  SH	 OTHER	   52,433   27,417	   1,166
CITIGROUP INC			COM		172967101	    19,401 	    563,176 	  SH	DEFINED	  549,444		  13,732
CITIGROUP INC			COM		172967101	     3,934 	    114,206 	  SH	 OTHER	   98,637    7,138	   8,431
CLEAR CHANNEL COMMUNICATIONS	COM		184502102	     9,600 	    283,020 	  SH	DEFINED	  267,415		  15,605
CLEAR CHANNEL COMMUNICATIONS	COM		184502102	       203 	      5,995 	  SH	 OTHER	    5,815      140	      40
CLOROX CO			COM		189054109	     2,408 	     52,152 	  SH	DEFINED	   38,679    1,433	  12,040
CLOROX CO			COM		189054109	       410 	      8,889 	  SH	 OTHER	    5,494    3,230	     165
COCA COLA CO			COM		191216100	    30,491 	    753,247 	  SH	DEFINED	  594,493		 158,754
COCA COLA CO			COM		191216100	    33,457 	    826,504 	  SH	 OTHER	  773,700   41,894	  10,910
COCA COLA ENTERPRISES INC	COM		191219104	     4,094 	    219,060 	  SH	 OTHER	  219,060
COLGATE PALMOLIVE CO		COM		194162103	     6,154 	    113,050 	  SH	DEFINED	  110,115		   2,935
COLGATE PALMOLIVE CO		COM		194162103	    15,186 	    278,944 	  SH	 OTHER	  266,078    2,800	  10,066
COLONIAL BANCGROUP INC		COM		195493309	       121 	     10,758 	  SH	DEFINED	   10,758
COLONIAL BANCGROUP INC		COM		195493309	        55 	      4,888 	  SH	 OTHER	    4,888
COLONIAL PPTYS TR (REIT)	COM SH BEN INT	195872106	        68 	      2,050 	  SH	DEFINED	    2,050
COLONIAL PPTYS TR (REIT)	COM SH BEN INT	195872106	       279 	      8,425 	  SH	 OTHER	    8,425
COMCAST CORP NEW CL A		CL A		20030N101	       745 	     26,049 	  SH	DEFINED	   23,865		   2,184
COMCAST CORP NEW CL A		CL A		20030N101	       320 	     11,198 	  SH	 OTHER	    6,845    2,634	   1,719
COMCAST CORP NEW		CL A SPL	20030N200	    11,953 	    434,662 	  SH	DEFINED	  370,608		  64,054
COMCAST CORP NEW		CL A SPL	20030N200	       474 	     17,255 	  SH	 OTHER	   14,950    2,000	     305
COMPASS BANCSHARES, INC.	COM		20449H109	     1,811 	     57,927 	  SH	DEFINED	   57,927
COMPASS BANCSHARES, INC.	COM		20449H109	     3,832 	    122,548 	  SH	 OTHER	  107,013   15,535
CONAGRA FOODS INC COM		COM		205887102	     1,448 	     72,130 	  SH	DEFINED	   65,180		   6,950
CONAGRA FOODS INC COM		COM		205887102	       478 	     23,812 	  SH	 OTHER	   23,412      400
CONEXANT SYS INC		COM		207142100	        17 	     11,610 	  SH	DEFINED	   11,610
CONEXANT SYS INC		COM		207142100	         2 	      1,448 	  SH	 OTHER		     1,448
CONOCO/PHILLIPS			COM		20825C104	     8,516 	    158,887 	  SH	DEFINED	  157,184		   1,703
CONOCO/PHILLIPS			COM		20825C104	       463 	      8,638 	  SH	 OTHER	    8,362		     276
CONSOLIDATED EDISON INC		COM		209115104	       143 	      3,711 	  SH	DEFINED	    3,711
CONSOLIDATED EDISON INC		COM		209115104	       113 	      2,950 	  SH	 OTHER	    2,950
COOPER CAMERON CORP		COM		216640102	       966 	     19,509 	  SH	DEFINED	   18,605		     904
COOPER CAMERON CORP		COM		216640102	        21 	        425 	  SH	 OTHER		       425
COSTCO WHSL CORP		COM		22160K105	       542 	     18,055 	  SH	DEFINED	   12,400		   5,655
COSTCO WHSL CORP		COM		22160K105	       183 	      6,095 	  SH	 OTHER	      400		   5,695
COX COMMUNICATIONS INC NEW	CL A		224044107	    26,205 	    842,349 	  SH	DEFINED	  841,469		     880
CYPRESS SEMICONDUCTOR CORP	COM		232806109	       690 	    100,000 	  SH	DEFINED	  100,000
DNP SELECT INCOME FD		COM		23325P104	       471 	     47,425 	  SH	DEFINED	   47,225		     200
DNP SELECT INCOME FD		COM		23325P104	       186 	     18,780 	  SH	 OTHER	   18,780
DTE ENERGY CO			COM		233331107	       196 	      5,063 	  SH	DEFINED	    5,063
DTE ENERGY CO			COM		233331107	        28 	        725 	  SH	 OTHER	      675       50
DEERE & CO			COM		244199105	       151 	      3,850 	  SH	DEFINED	    3,850
DEERE & CO			COM		244199105	        94 	      2,400 	  SH	 OTHER	    2,400
DEL MONTE FOODS CO		COM		24522P103	       130 	     17,406 	  SH	DEFINED	   17,005		     401
DEL MONTE FOODS CO		COM		24522P103	        27 	      3,631 	  SH	 OTHER	    3,231      400
DELL COMPUTER CORP		COM		247025109	     6,535 	    239,290 	  SH	DEFINED	  220,147		  19,143
DELL COMPUTER CORP		COM		247025109	       721 	     26,393 	  SH	 OTHER	   22,721    2,615	   1,057
DELPHI CORP			COM		247126105	     1,101 	    161,261 	  SH	DEFINED	  159,853		   1,408
DELPHI CORP			COM		247126105	        33 	      4,787 	  SH	 OTHER	    3,540    1,247
DELTA AIR LINES INC		COM		247361108	        80 	      8,965 	  SH	DEFINED	    8,865		     100
DELTA AIR LINES INC		COM		247361108	        24 	      2,688 	  SH	 OTHER	    2,688
DELTIC TIMBER CORP		COM		247850100	     1,602 	     67,028 	  SH	DEFINED	   67,028
DEUTSCHE TELEKOM AG		SPONSORED ADR	251566105	       159 	     14,431 	  SH	DEFINED	   13,481		     950
DEVON ENERGY CORPORATION NEW	COM		25179M103	     1,462 	     30,325 	  SH	DEFINED	   30,125		     200
DIAL CORP NEW COM		COM		25247D101	       756 	     38,991 	  SH	DEFINED	   38,348      543	     100
DIAL CORP NEW COM		COM		25247D101	       120 	      6,211 	  SH	 OTHER	    4,476    1,735
DIEBOLD INC			COM		253651103	       236 	      6,945 	  SH	DEFINED	    6,369		     576
DILLARDS INC			CL A		254067101	        65 	      5,000 	  SH	DEFINED	    3,969		   1,031
DILLARDS INC			CL A		254067101	        65 	      5,000 	  SH	 OTHER	    5,000
WALT DISNEY COMPANY		COM DISNEY	254687106	     2,754 	    161,809 	  SH	DEFINED	   96,574    1,060	  64,175
WALT DISNEY COMPANY		COM DISNEY	254687106	       987 	     58,014 	  SH	 OTHER	   17,582   22,102	  18,330
DOLLAR TREE STORES INC		COM		256747106	     2,390 	    120,119 	  SH	DEFINED	  120,079		      40
DOMINION RES INC VA NEW		COM		25746U109	       705 	     12,726 	  SH	DEFINED	   12,051		     675
DOMINION RES INC VA NEW		COM		25746U109	        32 	        580 	  SH	 OTHER	      300      100	     180
DOVER CORP			COM		260003108	       317 	     13,071 	  SH	DEFINED	    6,871		   6,200
DOVER CORP			COM		260003108	        91 	      3,745 	  SH	 OTHER	    3,041      704
DOW CHEM CO COM			COM		260543103	       736 	     26,643 	  SH	DEFINED	   26,143		     500
DOW CHEM CO COM			COM		260543103	       305 	     11,062 	  SH	 OTHER	    3,458    4,750	   2,854
DREYFUS STRATEGIC MUNS INC	COM		261932107	       478 	     50,000 	  SH	DEFINED	   50,000
DREYFUS STRATEGIC MUNS INC	COM		261932107	        33 	      3,400 	  SH	 OTHER	    3,400
DREYFUS STRATEGIC MUN BD FD INC	COM		26202F107	       443 	     51,548 	  SH	DEFINED	   51,548
DU PONT E I DE NEMOURS & CO	COM		263534109	    14,382 	    370,104 	  SH	DEFINED	  354,159      550	  15,395
DU PONT E I DE NEMOURS & CO	COM		263534109	     2,587 	     66,572 	  SH	 OTHER	   48,931    7,371	  10,270
DUKE ENERGY CORP		COM		264399106	     2,255 	    155,094 	  SH	DEFINED	  130,771		  24,323
DUKE ENERGY CORP		COM		264399106	       302 	     20,749 	  SH	 OTHER	   17,714    2,775	     260
DURECT CORP			COM		266605104	        70 	     50,281 	  SH	 OTHER				  50,281
E M C CORP MASS			COM		268648102	     4,925 	    682,245 	  SH	DEFINED	  663,802		  18,443
E M C CORP MASS			COM		268648102	       272 	     37,669 	  SH	 OTHER	   28,095    9,374	     200
E TRADE GROUP INC		COM		269246104	     2,611 	    620,250 	  SH	DEFINED	  620,250
E TRADE GROUP INC		COM		269246104	         2 	        550 	  SH	 OTHER	      300		     250
EASTMAN CHEM CO			COM		277432100	       189 	      6,536 	  SH	DEFINED	    6,536
EASTMAN CHEM CO			COM		277432100	        21 	        740 	  SH	 OTHER	      443      297
EASTMAN KODAK CO		COM		277461109	       185 	      6,258 	  SH	DEFINED	    5,048		   1,210
EASTMAN KODAK CO		COM		277461109	        41 	      1,385 	  SH	 OTHER	      860      300	     225
EATON CORP			COM		278058102	       254 	      3,632 	  SH	DEFINED	    3,460		     172
EATON VANCE MUNI INCOME TR FD	SH BEN INT	27826U108	       479 	     33,332 	  SH	DEFINED	   33,332
EL PASO CORP			COM		28336L109	        69 	     11,398 	  SH	DEFINED	   10,648		     750
EL PASO CORP			COM		28336L109	        38 	      6,229 	  SH	 OTHER	    5,229    1,000
ELECTRONIC ARTS			COM		285512109	       276 	      4,700 	  SH	 OTHER				   4,700
ELECTRONIC DATA SYS CORP NEW	COM		285661104	     7,423 	    421,777 	  SH	DEFINED	  390,597    5,390	  25,790
ELECTRONIC DATA SYS CORP NEW	COM		285661104	       697 	     39,618 	  SH	 OTHER	   24,178   15,040	     400
EMERSON ELECTRIC CO		COM		291011104	     5,458 	    120,359 	  SH	DEFINED	  117,971		   2,388
EMERSON ELECTRIC CO		COM		291011104	       468 	     10,325 	  SH	 OTHER	    7,325    1,800	   1,200
ENERGEN CORP			COM		29265N108	       243 	      7,584 	  SH	DEFINED	    7,165		     419
ENERGEN CORP			COM		29265N108	       226 	      7,050 	  SH	 OTHER	    5,400		   1,650
ENERGYSOUTH INC			COM		292970100	     1,473 	     55,672 	  SH	DEFINED	   54,498		   1,174
ENERGYSOUTH INC			COM		292970100	        79 	      3,000 	  SH	 OTHER	    3,000
THE ENSTAR GROUP INC		COM		29358R107	       881 	     23,902 	  SH	DEFINED	   23,902
ENTERASYS NETWORKS INC		COM		293637104	        46 	     24,777 	  SH	DEFINED	    8,120		  16,657
ENTERGY CORP			COM		29364G103	       291 	      6,041 	  SH	DEFINED	    3,553		   2,488
ENTERGY CORP			COM		29364G103	        73 	      1,520 	  SH	 OTHER	      100    1,000	     420
EXELON CORP			COM		30161N101	       543 	     10,775 	  SH	DEFINED	    9,596		   1,179
EXELON CORP			COM		30161N101	       102 	      2,019 	  SH	 OTHER	    1,107      757	     155
EXPRESS SCRIPTS INC		COM		302182100	     5,584 	    100,245 	  SH	DEFINED	  100,000		     245
EXXON MOBIL CORP		COM		30231G102	    44,113 	  1,262,177 	  SH	DEFINED	1,175,418    5,078	  81,681
EXXON MOBIL CORP		COM		30231G102	    14,914 	    426,724 	  SH	 OTHER	  345,188   67,939	  13,597
FPL GROUP INC			COM		302571104	     2,687 	     45,600 	  SH	DEFINED	   44,752		     848
FPL GROUP INC			COM		302571104	       200 	      3,400 	  SH	 OTHER	    2,300      700	     400
FAIRCHILD SEMICONDUCTOR INTL	CL A		303726103	     1,255 	    120,000 	  SH	DEFINED	  120,000
FAMILY DOLLAR STORES INC	COM		307000109	     6,562 	    212,510 	  SH	DEFINED	  210,137		   2,373
FAMILY DOLLAR STORES INC	COM		307000109	        75 	      2,420 	  SH	 OTHER	    1,790      630
FREDDIE MAC			COM		313400301	     1,365 	     26,006 	  SH	DEFINED	   23,314		   2,692
FREDDIE MAC			COM		313400301	       204 	      3,837 	  SH	 OTHER	    3,300		     537
FEDERAL NATIONAL MORTGAGE ASSN	COM		313586109	     8,170 	    125,017 	  SH	DEFINED	  119,434		   5,583
FEDERAL NATIONAL MORTGAGE ASSN	COM		313586109	       931 	     14,240 	  SH	 OTHER	    9,250    4,000	     990
FEDEX CORP			COM		31428X106	    11,164 	    202,717 	  SH	DEFINED	  159,840		  42,877
FEDEX CORP			COM		31428X106	       484 	      8,789 	  SH	 OTHER	    8,789
FIRST DATA CORP			COM		319963104	     5,292 	    142,991 	  SH	DEFINED	  123,605		  19,386
FIRST DATA CORP			COM		319963104	       204 	      5,500 	  SH	 OTHER	    4,104      400	     996
FIRST HEALTH GROUP CORP		COM		320960107	     1,281 	     50,346 	  SH	DEFINED	   50,050		     296
FIRST TENNESSEE NATIONAL CORP	COM		337162101	     1,131 	     28,470 	  SH	DEFINED	   17,993		  10,477
FIRST TENNESSEE NATIONAL CORP	COM		337162101	       152 	      3,825 	  SH	 OTHER	    1,800    1,800	     225
FIRST VIRGINIA BANKSHARES, INC.	COM		337477103	       771 	     19,650 	  SH	 OTHER	   19,650
FIRSTENERGY CORP		COM		337932107	       254 	      8,056 	  SH	DEFINED	    8,056
FIRSTENERGY CORP		COM		337932107	         6 	        190 	  SH	 OTHER		       190
FLEETBOSTON FINL CORP		COM		339030108	       513 	     21,494 	  SH	DEFINED	   19,673		   1,821
FLEETBOSTON FINL CORP		COM		339030108	        55 	      2,302 	  SH	 OTHER	    2,302
FLEMING COMPANIES INC		COM		339130106	         8 	     16,350 	  SH	DEFINED	   16,350
FLORIDA ROCK INDS INC		COM		341140101	       367 	     10,854 	  SH	DEFINED	    6,937    2,374	   1,543
FLORIDA ROCK INDS INC		COM		341140101	        36 	      1,057 	  SH	 OTHER		     1,057
FOOT LOCKER INC			COM		344849104	       132 	     12,330 	  SH	DEFINED	   12,330
FORD MTR CO DEL			COM PAR $0.01	345370860	       151 	     20,124 	  SH	DEFINED	   17,036		   3,088
FORD MTR CO DEL			COM PAR $0.01	345370860	       108 	     14,368 	  SH	 OTHER	    8,770    5,598
FOREST LABS INC			COM		345838106	    14,844 	    275,043 	  SH	DEFINED	  272,105		   2,938
FOREST LABS INC			COM		345838106	       306 	      5,678 	  SH	 OTHER	    5,400		     278
FORTUNE BRANDS INC		COM		349631101	       668 	     15,585 	  SH	DEFINED	   15,585
FORTUNE BRANDS INC		COM		349631101	       109 	      2,550 	  SH	 OTHER	    2,550
FRANKLIN RES INC		COM		354613101	     4,933 	    149,903 	  SH	DEFINED	  148,703		   1,200
FRONTIER AIRLINES		COM		359065109	     2,982 	    600,000 	  SH	DEFINED	  600,000
GALLAGHER ARTHUR J & CO		COM		363576109	     9,279 	    377,955 	  SH	DEFINED	  375,550		   2,405
GALLAGHER ARTHUR J & CO		COM		363576109	        10 	        400 	  SH	 OTHER		       400
GALLAHER GROUP PLC		SPONSORED ADR	363595109	       363 	      9,472 	  SH	DEFINED	    9,472
GALLAHER GROUP PLC		SPONSORED ADR	363595109	        46 	      1,200 	  SH	 OTHER	    1,200
GANNETT INC			COM		364730101	     1,505 	     21,363 	  SH	DEFINED	   18,123      600	   2,640
GANNETT INC			COM		364730101	     1,253 	     17,788 	  SH	 OTHER	   11,532    1,696	   4,560
GAP INC				COM		364760108	    14,744 	  1,017,559 	  SH	DEFINED	1,012,509		   5,050
GAP INC				COM		364760108	       216 	     14,890 	  SH	 OTHER	   10,890    4,000
GENERAL DYNAMICS CORP		COM		369550108	     1,426 	     25,889 	  SH	DEFINED	   24,679		   1,210
GENERAL DYNAMICS CORP		COM		369550108	        17 	        300 	  SH	 OTHER		       100	     200
GENERAL ELECTRIC CO		COM		369604103	    44,911 	  1,761,503 	  SH	DEFINED	1,706,136      550	  54,817
GENERAL ELECTRIC CO		COM		369604103	    14,296 	    560,629 	  SH	 OTHER	  484,639   67,384	   8,606
GENERAL MILLS INC		COM		370334104	     3,087 	     67,782 	  SH	DEFINED	   65,631		   2,151
GENERAL MILLS INC		COM		370334104	       610 	     13,389 	  SH	 OTHER	   10,999    2,190	     200
GENERAL MOTORS CORP		COM		370442105	     6,941 	    206,468 	  SH	DEFINED	  183,477		  22,991
GENERAL MOTORS CORP		COM		370442105	       437 	     12,999 	  SH	 OTHER	   11,559    1,440
GENERAL MTRS CORP CLASS H NEW	CL H NEW	370442832	     1,118 	     99,847 	  SH	DEFINED	    4,068		  95,779
GENERAL MTRS CORP CLASS H NEW	CL H NEW	370442832	        17 	      1,524 	  SH	 OTHER	    1,518        6
GENUINE PARTS CO		COM		372460105	     1,218 	     39,936 	  SH	DEFINED	   34,646      790	   4,500
GENUINE PARTS CO		COM		372460105	       673 	     22,066 	  SH	 OTHER	   19,116    2,950
GEORGIA PAC CORP (GA PAC GR)	COM		373298108	     1,371 	     98,661 	  SH	DEFINED	   98,661
GEORGIA PAC CORP (GA PAC GR)	COM		373298108	         6 	        400 	  SH	 OTHER	      400
GILEAD SCIENCES INC		COM		375558103	     4,199 	    100,000 	  SH	DEFINED	  100,000
GILLETTE CO			COM		375766102	     8,609 	    278,239 	  SH	DEFINED	  257,464		  20,775
GILLETTE CO			COM		375766102	     1,847 	     59,695 	  SH	 OTHER	   38,115    8,280	  13,300
GLAXO SMITHKLINE		SPONSORED ADR	37733W105	       314 	      8,926 	  SH	DEFINED	    7,851		   1,075
GLAXO SMITHKLINE		SPONSORED ADR	37733W105	       122 	      3,455 	  SH	 OTHER	    1,650		   1,805
GOODRICH CORP			COM		382388106	       406 	     28,850 	  SH	DEFINED	   26,200		   2,650
GOODRICH CORP			COM		382388106	        14 	      1,000 	  SH	 OTHER	    1,000
GRAY TELEVISION INC		CL A		389375205	       298 	     28,130 	  SH	 OTHER	   28,130
HCA-INC				COM		404119109	     1,398 	     33,799 	  SH	DEFINED	   32,236		   1,563
HCA-INC				COM		404119109	        17 	        405 	  SH	 OTHER	      200		     205
HCB BANCSHARES INC		COM		40413N106	     3,392 	    196,625 	  SH	DEFINED				 196,625
HARLEY DAVIDSON INC		COM		412822108	       218 	      5,485 	  SH	DEFINED	    5,350		     135
HARLEY DAVIDSON INC		COM		412822108	         1 	         20 	  SH	 OTHER				      20
HEALTHSOUTH CORP		COM		421924101	         2 	     30,910 	  SH	DEFINED	   29,910		   1,000
HEALTHSOUTH CORP		COM		421924101		        500 	  SH	 OTHER	      500
HEINZ H J CO			COM		423074103	     1,392 	     47,680 	  SH	DEFINED	   46,780		     900
HEINZ H J CO			COM		423074103	       257 	      8,795 	  SH	 OTHER	    7,895      900
HERSHEY FOODS CORP		COM		427866108	       247 	      3,935 	  SH	DEFINED	    3,935
HERSHEY FOODS CORP		COM		427866108	       357 	      5,700 	  SH	 OTHER	    4,600    1,100
HEWLETT PACKARD CO		COM		428236103	     3,965 	    255,007 	  SH	DEFINED	  249,070		   5,937
HEWLETT PACKARD CO		COM		428236103	       706 	     45,385 	  SH	 OTHER	   39,835    2,675	   2,875
HIBERNIA CORP			CL A		428656102	       529 	     31,198 	  SH	DEFINED	   28,141		   3,057
HILTON HOTELS			COM		432848109	     1,090 	     93,859 	  SH	DEFINED	    5,785		  88,074
HOME DEPOT INC			COM		437076102	     3,970 	    162,937 	  SH	DEFINED	  144,942		  17,995
HOME DEPOT INC			COM		437076102	       809 	     33,205 	  SH	 OTHER	   24,155    3,400	   5,650
HONEYWELL INTERNATIONAL INC	COM		438516106	       580 	     27,173 	  SH	DEFINED	   23,733		   3,440
HONEYWELL INTERNATIONAL INC	COM		438516106	       236 	     11,041 	  SH	 OTHER	    1,875		   9,166
HOUSEHOLD INTERNATIONAL CORP	COM		441815107	       120 	      4,238 	  SH	DEFINED	    4,238
HOUSEHOLD INTERNATIONAL CORP	COM		441815107	       196 	      6,927 	  SH	 OTHER		     6,927
IDEC PHARMACEUTICALS CORP	COM		449370105	     1,711 	     50,000 	  SH	DEFINED	   50,000
ILLINOIS TOOL WKS INC		COM		452308109	       264 	      4,548 	  SH	DEFINED	    4,248		     300
INTEL CORP			COM		458140100	    26,565 	  1,631,121 	  SH	DEFINED	1,564,397    1,870	  64,854
INTEL CORP			COM		458140100	     3,523 	    216,379 	  SH	 OTHER	  173,818   38,621	   3,940
INTNL BUSINESS MACHINES CORP	COM		459200101	    12,412 	    158,258 	  SH	DEFINED	  137,373		  20,885
INTNL BUSINESS MACHINES CORP	COM		459200101	     3,789 	     48,306 	  SH	 OTHER	   37,302    9,999	   1,005
INTL FLAVORS & FRAGRANCES INC	COM		459506101	       106 	      3,406 	  SH	DEFINED	    2,908		     498
INTL FLAVORS & FRAGRANCES INC	COM		459506101	       100 	      3,201 	  SH	 OTHER	    2,901      300
INTERNATIONAL GAME TECHNOLOGY	COM		459902102	    15,596 	    190,433 	  SH	DEFINED	  189,621		     812
INTERNATIONAL PAPER CO		COM		460146103	     6,064 	    179,398 	  SH	DEFINED	  177,673		   1,725
INTERNATIONAL PAPER CO		COM		460146103	     1,109 	     32,815 	  SH	 OTHER	   31,519    1,196	     100
INVESTMENT TECHNOLOGY GRP NE	COM		46145F105	       838 	     60,000 	  SH	DEFINED	   60,000
ISHARES TR			S&P SMLCP VALU	464287879	       113 	      1,700 	  SH	DEFINED	    1,700
ISHARES TR			S&P SMLCP VALU	464287879	       100 	      1,500 	  SH	 OTHER	    1,500
JP MORGAN CHASE & CO		COM		46625H100	     2,192 	     91,892 	  SH	DEFINED	   84,157		   7,735
JP MORGAN CHASE & CO		COM		46625H100	       732 	     30,862 	  SH	 OTHER	   25,127    5,735
JANUS CAP GROUP INC		COM		47102X105	     4,591 	    403,116 	  SH	DEFINED	  403,116
JANUS CAP GROUP INC		COM		47102X105	         2 	        169 	  SH	 OTHER	      169
JEFFERSON PILOT CORP		COM		475070108	     7,557 	    196,400 	  SH	DEFINED	  181,538		  14,862
JEFFERSON PILOT CORP		COM		475070108	     3,693 	     95,975 	  SH	 OTHER	   55,662    6,463	  33,850
JOHNSON & JOHNSON		COM		478160104	    32,746 	    565,854 	  SH	DEFINED	  549,088		  16,766
JOHNSON & JOHNSON		COM		478160104	     5,393 	     93,195 	  SH	 OTHER	   63,395   16,760	  13,040
KLA - TENCOR CORPORATION	COM		482480100	     6,345 	    176,526 	  SH	DEFINED	  174,662		   1,864
KLA - TENCOR CORPORATION	COM		482480100	       144 	      4,000 	  SH	 OTHER	    4,000
KELLOGG CO			COM		487836108	       521 	     17,000 	  SH	DEFINED	   15,800		   1,200
KELLOGG CO			COM		487836108	       368 	     12,000 	  SH	 OTHER	   10,400    1,600
KEYCORP NEW			COM		493267108	     3,358 	    148,841 	  SH	DEFINED	  145,546		   3,295
KEYCORP NEW			COM		493267108	       118 	      5,250 	  SH	 OTHER	    4,150      800	     300
KIMBERLY CLARK CORP		COM		494368103	     4,215 	     92,709 	  SH	DEFINED	   89,247		   3,462
KIMBERLY CLARK CORP		COM		494368103	     1,923 	     42,296 	  SH	 OTHER	   35,280    5,856	   1,160
KINDER MORGAN EGY PTNS L P	UT LTD PARTNER	494550106	       384 	     10,368 	  SH	DEFINED	    9,020		   1,348
KINDER MORGAN EGY PTNS L P	UT LTD PARTNER	494550106	        19 	        525 	  SH	 OTHER	      525
KNIGHT RIDDER INC		COM		499040103	     1,837 	     31,410 	  SH	DEFINED	    4,312		  27,098
KOHLS CORP			COM		500255104	       214 	      3,790 	  SH	DEFINED	    3,165		     625
KOHLS CORP			COM		500255104	       225 	      3,975 	  SH	 OTHER	      250		   3,725
KONINKLIJKE PHILIPS ELECTRS	NY REG SH NEW	500472303	       268 	     17,220 	  SH	DEFINED	      700		  16,520
KRAFT FOODS INC			CL A		50075N104	     1,537 	     54,495 	  SH	DEFINED	   50,885		   3,610
KRAFT FOODS INC			CL A		50075N104	        82 	      2,895 	  SH	 OTHER	    2,140      295	     460
LAM RESEARCH CORP		COM		512807108	     4,795 	    421,000 	  SH	DEFINED	  421,000
LEGGETT & PLATT INC		COM		524660107	       981 	     53,677 	  SH	DEFINED	   53,677
LEGG MASON INC			COM		524901105	     6,824 	    140,000 	  SH	DEFINED	  140,000
LEHMAN BROS HLDGS INC		COM		524908100	     1,535 	     26,583 	  SH	DEFINED	   25,983		     600
LEHMAN BROS HLDGS INC		COM		524908100	        84 	      1,454 	  SH	 OTHER	    1,240		     214
LILLY ELI & CO			COM		532457108	    12,533 	    219,293 	  SH	DEFINED	  209,951		   9,342
LILLY ELI & CO			COM		532457108	     1,536 	     26,882 	  SH	 OTHER	   19,812    2,200	   4,870
LIMITED BRANDS INC		COM		532716107	       120 	      9,343 	  SH	DEFINED	    8,943		     400
LIMITED BRANDS INC		COM		532716107	        17 	      1,300 	  SH	 OTHER	    1,300
LINCARE HLDGS INC		COM		532791100	     1,228 	     40,000 	  SH	DEFINED	   40,000
LINCOLN NATIONAL CORP IND	COM		534187109	       319 	     11,410 	  SH	DEFINED	   11,110		     300
LINCOLN NATIONAL CORP IND	COM		534187109	        69 	      2,469 	  SH	 OTHER	    2,219      250
LIZ CLAIBORNE INC		COM		539320101	     5,407 	    174,878 	  SH	DEFINED	  172,853		   2,025
LIZ CLAIBORNE INC		COM		539320101	        58 	      1,880 	  SH	 OTHER	    1,400		     480
LOCKHEED MARTIN CORP		COM		539830109	       984 	     20,689 	  SH	DEFINED	   20,344		     345
LOCKHEED MARTIN CORP		COM		539830109	       293 	      6,167 	  SH	 OTHER	    5,617		     550
LOEWS CORP			COM		540424108	        30 	        755 	  SH	DEFINED	      645		     110
LOEWS CORP			COM		540424108	       717 	     18,000 	  SH	 OTHER	   18,000
LOUISIANA PACIFIC CORP		COM		546347105	       757 	     95,464 	  SH	DEFINED	   95,189		     275
LOWES COS INC			COM		548661107	     9,001 	    220,496 	  SH	DEFINED	  216,689		   3,807
LOWES COS INC			COM		548661107	       385 	      9,424 	  SH	 OTHER	    7,990		   1,434
LUCENT TECHNOLOGIES INC		COM		549463107	        53 	     36,082 	  SH	DEFINED	   30,494		   5,588
LUCENT TECHNOLOGIES INC		COM		549463107	        26 	     17,363 	  SH	 OTHER	   10,432    6,731	     200
LUFKIN INDUSTRIES INCORPORATED	COM		549764108	       536 	     27,984 	  SH	DEFINED				  27,984
LUFKIN INDUSTRIES INCORPORATED	COM		549764108	       704 	     36,765 	  SH	 OTHER	   36,765
MBNA CORP			COM		55262L100	       480 	     31,886 	  SH	DEFINED	   31,025		     861
MBNA CORP			COM		55262L100	        11 	        701 	  SH	 OTHER	      420		     281
MANULIFE FINL CORP ADR		COM		56501R106	       615 	     25,691 	  SH	DEFINED	    9,871		  15,820
MARATHON OIL CORP		COM		565849106	     1,989 	     82,993 	  SH	DEFINED	   82,123		     870
MARATHON OIL CORP		COM		565849106	       100 	      4,187 	  SH	 OTHER	    2,540      915	     732
MARSH & MCLENNAN COS INC	COM		571748102	     8,196 	    192,254 	  SH	DEFINED	  190,159		   2,095
MARSH & MCLENNAN COS INC	COM		571748102	       436 	     10,230 	  SH	 OTHER	    2,300      900	   7,030
MARRIOTT INTL INC NEW		CL A		571903202	     2,213 	     69,584 	  SH	DEFINED	   30,921		  38,663
MARRIOTT INTL INC NEW		CL A		571903202	       309 	      9,700 	  SH	 OTHER	    1,100    1,100	   7,500
MASCO CORP			COM		574599106	       198 	     10,633 	  SH	DEFINED	    9,823		     810
MASCO CORP			COM		574599106	       365 	     19,590 	  SH	 OTHER	    4,300		  15,290
MATSUSHITA ELEC INDL LTD	ADR		576879209	        95 	     11,120 	  SH	DEFINED	    9,980		   1,140
MATSUSHITA ELEC INDL LTD	ADR		576879209	         3 	        410 	  SH	 OTHER				     410
MAYTAG CORP			COM		578592107	    12,052 	    633,320 	  SH	DEFINED	  633,320
MAYTAG CORP			COM		578592107	        38 	      2,000 	  SH	 OTHER	    2,000
MCCORMICK & CO INC COMMON STOCK	COM NON VTG	579780206	       867 	     35,928 	  SH	DEFINED	   35,928
MCCORMICK & CO INC COMMON STOCK	COM NON VTG	579780206	        43 	      1,776 	  SH	 OTHER	    1,776
MCDONALDS CORP			COM		580135101	       968 	     66,975 	  SH	DEFINED	   65,638		   1,337
MCDONALDS CORP			COM		580135101	       511 	     35,325 	  SH	 OTHER	   30,715    2,600	   2,010
MCGRAW-HILL COMPANIES INC NEW	COM		580645109	       665 	     11,954 	  SH	DEFINED	   11,254		     700
MCGRAW-HILL COMPANIES INC NEW	COM		580645109	        67 	      1,200 	  SH	 OTHER	    1,200
MCKESSON CORPORATION		COM		58155Q103	       152 	      6,093 	  SH	DEFINED	    5,118		     975
MCKESSON CORPORATION		COM		58155Q103	        87 	      3,508 	  SH	 OTHER	    3,383		     125
MEADWESTVACO CORP		COM		583334107	       285 	     12,529 	  SH	DEFINED	   10,348		   2,181
MEADWESTVACO CORP		COM		583334107	     1,811 	     79,488 	  SH	 OTHER	   26,594    3,240	  49,654
MEDIMMUNE INC			COM		584699102	     8,229 	    250,661 	  SH	DEFINED	  249,399    1,140	     122
MEDIMMUNE INC			COM		584699102	       150 	      4,570 	  SH	 OTHER	    1,150    3,420
MEDTRONIC INC			COM		585055106	     7,944 	    176,143 	  SH	DEFINED	  166,281		   9,862
MEDTRONIC INC			COM		585055106	     1,462 	     32,402 	  SH	 OTHER	   11,850    7,800	  12,752
MELLON FINL CORP		COM		58551A108	     1,753 	     82,436 	  SH	DEFINED	   82,436
MELLON FINL CORP		COM		58551A108	        26 	      1,200 	  SH	 OTHER	      600      600
MERCK & CO INC			COM		589331107	    25,855 	    471,988 	  SH	DEFINED	  454,553    1,830	  15,605
MERCK & CO INC			COM		589331107	     7,889 	    144,017 	  SH	 OTHER	  101,670   17,257	  25,090
MERRILL LYNCH & CO INC		COM		590188108	     7,406 	    209,205 	  SH	DEFINED	  208,125		   1,080
MERRILL LYNCH & CO INC		COM		590188108	         4 	        100 	  SH	 OTHER				     100
METLIFE INC			COM		59156R108	       198 	      7,507 	  SH	DEFINED	    6,022		   1,485
METLIFE INC			COM		59156R108	        13 	        488 	  SH	 OTHER	      213		     275
MICROSOFT CORP			COM		594918104	    33,542 	  1,385,054 	  SH	DEFINED	1,321,428    5,794	  57,832
MICROSOFT CORP			COM		594918104	     3,671 	    151,632 	  SH	 OTHER	  102,926   19,506	  29,200
MICROCHIP TECHNOLOGY INC	COM		595017104	     2,985 	    150,025 	  SH	DEFINED	  150,025
MIDCAP SPDR TR			UNIT SER 1	595635103	       221 	      2,962 	  SH	DEFINED	    1,800		   1,162
MILLENNIUM PHARMACTCLS INC	COM		599902103	     2,358 	    300,000 	  SH	DEFINED	  300,000
MIRANT CORP			COM		604675108	        54 	     33,851 	  SH	DEFINED	   32,889		     962
MIRANT CORP			COM		604675108	        18 	     11,170 	  SH	 OTHER	   10,382      788
MITSUBISHI TOKYO FINL GROUP	SPONSORED ADR	606816106	        61 	     16,335 	  SH	DEFINED	   15,295		   1,040
MOODYS CORP			COM		615369105	       321 	      6,935 	  SH	DEFINED	    6,935
MOODYS CORP			COM		615369105	        37 	        800 	  SH	 OTHER	      800
MORGAN STANLEY			COM NEW		617446448	    20,451 	    533,274 	  SH	DEFINED	  514,954		  18,320
MORGAN STANLEY			COM NEW		617446448	       486 	     12,665 	  SH	 OTHER	   12,210      225	     230
MOTOROLA INC			COM		620076109	     1,157 	    140,033 	  SH	DEFINED	  108,318		  31,715
MOTOROLA INC			COM		620076109	       327 	     39,620 	  SH	 OTHER	   31,500    6,650	   1,470
MURPHY OIL CORP			COM		626717102	     1,625 	     36,799 	  SH	DEFINED	   36,799
MYLAN LABORATORIES INC		COM		628530107	     6,827 	    237,464 	  SH	DEFINED	  235,406		   2,058
MYLAN LABORATORIES INC		COM		628530107	        38 	      1,322 	  SH	 OTHER	    1,000		     322
NASDAQ 100 TR			UNIT SER 1	631100104	    22,413 	    887,658 	  SH	DEFINED	  885,484		   2,174
NASDAQ 100 TR			UNIT SER 1	631100104	        74 	      2,920 	  SH	 OTHER	      700    1,220	   1,000
NATIONAL CITY CORP		COM		635405103	       218 	      7,816 	  SH	DEFINED	    7,516		     300
NATIONAL CITY CORP		COM		635405103	        58 	      2,090 	  SH	 OTHER		     2,000	      90
NATIONAL COMM FINL CORP		COM		63545P104	     2,204 	     92,990 	  SH	DEFINED	   85,572		   7,418
NATIONAL COMM FINL CORP		COM		63545P104	       120 	      5,043 	  SH	 OTHER	    4,360      168	     515
NETWORK APPLIANCE INC DELEWARE	COM		64120L104	       235 	     21,023 	  SH	DEFINED	   18,333		   2,690
NETWORK APPLIANCE INC DELEWARE	COM		64120L104	         8 	        730 	  SH	 OTHER	      730
NEW YORK TIMES CO CL A		CL A		650111107	       267 	      6,182 	  SH	DEFINED	    6,124		      58
NEWELL RUBBERMAID INC		COM		651229106	        27 	        958 	  SH	DEFINED	      768		     190
NEWELL RUBBERMAID INC		COM		651229106	       306 	     10,800 	  SH	 OTHER		       800	  10,000
NEWMONT MINING CORP (NEW)	COM		651639106	     9,835 	    376,106 	  SH	DEFINED	  365,266    4,740	   6,100
NEWMONT MINING CORP (NEW)	COM		651639106	       392 	     14,998 	  SH	 OTHER	    8,498    6,500
NIKE INC CL B			CL B		654106103	     6,499 	    126,385 	  SH	DEFINED	  126,385
NIKE INC CL B			CL B		654106103	        57 	      1,100 	  SH	 OTHER		       800	     300
NOKIA CORP			SPONSORED ADR	654902204	       813 	     58,048 	  SH	DEFINED	   55,257		   2,791
NOKIA CORP			SPONSORED ADR	654902204	       534 	     38,123 	  SH	 OTHER	    2,200      200	  35,723
NORFOLK SOUTHERN CORPORATION	COM		655844108	       385 	     20,765 	  SH	DEFINED	   20,590		     175
NORFOLK SOUTHERN CORPORATION	COM		655844108	       403 	     21,714 	  SH	 OTHER	   15,459    6,255
NORTEL NETWORKS CORP NEW ADR	COM		656568102	        93 	     44,557 	  SH	DEFINED	   40,367		   4,190
NORTEL NETWORKS CORP NEW ADR	COM		656568102	         4 	      2,000 	  SH	 OTHER		     2,000
NORTHERN BORDER PARTNERS L P	UNIT LTD PARTN	664785102	       226 	      5,900 	  SH	DEFINED	    4,700		   1,200
NORTHERN BORDER PARTNERS L P	UNIT LTD PARTN	664785102	        57 	      1,500 	  SH	 OTHER		     1,500
NORTHROP GRUMMAN CORP		COM		666807102	     3,788 	     44,144 	  SH	DEFINED	   38,254      590	   5,300
NORTHROP GRUMMAN CORP		COM		666807102	       558 	      6,499 	  SH	 OTHER	    3,109      880	   2,510
NOVELLUS SYS INC		COM		670008101	     8,551 	    313,562 	  SH	DEFINED	  313,027		     535
NOVELLUS SYS INC		COM		670008101	        19 	        700 	  SH	 OTHER	      700
NUCOR CORP			COM		670346105	       381 	      9,985 	  SH	DEFINED	    2,985		   7,000
NUCOR CORP			COM		670346105	        61 	      1,600 	  SH	 OTHER	    1,600
NVIDIA CORP			COM		67066G104	     5,318 	    412,885 	  SH	DEFINED	  412,585		     300
NVIDIA CORP			COM		67066G104	       103 	      8,000 	  SH	 OTHER	    8,000
NUVEEN DIVIDEND ADV MUNI 3	COM SH BEN INT	67070X101	       278 	     20,000 	  SH	DEFINED	   20,000
NUVEEN INSD DIVID ADVANTAGE	COM		67071L106	       151 	     10,000 	  SH	DEFINED	   10,000
NUVEEN MUN VALUE FD INC		COM		670928100	       209 	     22,761 	  SH	DEFINED	   22,761
NUVEEN MUN VALUE FD INC		COM		670928100	        12 	      1,333 	  SH	 OTHER	    1,333
NUVEEN TEX QUAL INCM MUN FD	COM		670983105	       747 	     49,800 	  SH	DEFINED	   49,800
OCCIDENTAL PETE CORP		COM		674599105	     7,020 	    234,306 	  SH	DEFINED	  232,981		   1,325
OCCIDENTAL PETE CORP		COM		674599105	         7 	        240 	  SH	 OTHER				     240
OFFICE DEPOT INC		COM		676220106	       102 	      8,620 	  SH	DEFINED	    5,000		   3,620
OFFICE DEPOT INC		COM		676220106	        25 	      2,100 	  SH	 OTHER	    1,350		     750
OLD REPUBLIC INTL CORP		COM		680223104	       281 	     10,509 	  SH	DEFINED	    8,920		   1,589
OLD REPUBLIC INTL CORP		COM		680223104	     8,572 	    320,446 	  SH	 OTHER	   72,186  248,000	     260
OMNICOM GROUP			COM		681919106	       119 	      2,180 	  SH	DEFINED	      335		   1,845
OMNICOM GROUP			COM		681919106	       246 	      4,550 	  SH	 OTHER		     4,500	      50
ORACLE CORPORATION		COM		68389X105	     8,774 	    808,786 	  SH	DEFINED	  789,456    4,940	  14,390
ORACLE CORPORATION		COM		68389X105	       438 	     40,405 	  SH	 OTHER	   24,080   15,310	   1,015
OUTBACK STEAKHOUSE INC		COM		689899102	     4,361 	    123,250 	  SH	DEFINED	  123,250
PNC FINANCIAL SERVICES GROUP	COM		693475105	       536 	     12,640 	  SH	DEFINED	   12,640
PNC FINANCIAL SERVICES GROUP	COM		693475105	        60 	      1,410 	  SH	 OTHER	      900      510
PPG INDUSTRIES INC		COM		693506107	       105 	      2,326 	  SH	DEFINED	    2,326
PPG INDUSTRIES INC		COM		693506107	       171 	      3,800 	  SH	 OTHER	    3,400      400
PACCAR INC			COM		693718108	       166 	      3,300 	  SH	DEFINED	    3,000		     300
PACCAR INC			COM		693718108	        61 	      1,206 	  SH	 OTHER	    1,206
PARKER HANNIFIN CORP		COM		701094104	       259 	      6,692 	  SH	DEFINED	    6,312		     380
PARKER HANNIFIN CORP		COM		701094104	         5 	        120 	  SH	 OTHER				     120
PATTERSON DENTAL CO		COM		703412106	     3,220 	     70,098 	  SH	DEFINED	   70,000		      98
PEOPLES BANCTRUST INC		COM		709796106	     5,817 	    389,100 	  SH	DEFINED	  389,100
PEPSICO INC			COM		713448108	    21,703 	    542,631 	  SH	DEFINED	  523,128    4,025	  15,478
PEPSICO INC			COM		713448108	     2,710 	     67,749 	  SH	 OTHER	   41,332   17,395	   9,022
PFIZER INC			COM		717081103	    37,862 	  1,215,084 	  SH	DEFINED	1,157,302    2,550	  55,232
PFIZER INC			COM		717081103	     5,358 	    171,954 	  SH	 OTHER	  108,268   42,827	  20,859
PHARMACIA CORP			COM		71713U102	     3,571 	     82,443 	  SH	DEFINED	   77,357    2,360	   2,726
PHARMACIA CORP			COM		71713U102	     1,447 	     33,425 	  SH	 OTHER	   21,480    4,370	   7,575
PIER 1 IMPORTS INC		COM		720279108	     2,857 	    180,136 	  SH	DEFINED	  180,000		     136
PIMCO MUN INCOME FD II		COM		72200W106	       287 	     20,000 	  SH	DEFINED	   20,000
PIMCO MUN INCOME FD III		COM		72201A103	       278 	     19,500 	  SH	DEFINED	   19,500
PIONEER NATURAL RESOURCES CO	COM		723787107	     1,054 	     42,000 	  SH	DEFINED				  42,000
PITNEY BOWES INC		COM		724479100	     1,091 	     34,171 	  SH	DEFINED	   31,375		   2,796
PITNEY BOWES INC		COM		724479100	       354 	     11,100 	  SH	 OTHER	   11,100
PLUM CREEK TIMBER CO INC	COM		729251108	     2,085 	     96,560 	  SH	DEFINED	   90,560		   6,000
PLUM CREEK TIMBER CO INC	COM		729251108	       144 	      6,684 	  SH	 OTHER	    5,634    1,050
PRAXAIR INC			COM		74005P104	       205 	      3,633 	  SH	DEFINED	    2,533		   1,100
PRAXAIR INC			COM		74005P104	       115 	      2,040 	  SH	 OTHER		       300	   1,740
PROASSURANCE CORP		COM		74267C106	       435 	     18,499 	  SH	DEFINED	   15,647		   2,852
PROASSURANCE CORP		COM		74267C106	        38 	      1,633 	  SH	 OTHER	    1,633
PROCTER & GAMBLE CO		COM		742718109	    19,759 	    221,888 	  SH	DEFINED	  216,869      560	   4,459
PROCTER & GAMBLE CO		COM		742718109	     7,694 	     86,396 	  SH	 OTHER	   57,136   11,793	  17,467
PROGRESS ENERGY INC		COM		743263105	       684 	     17,468 	  SH	DEFINED	   17,468
PROGRESS ENERGY INC		COM		743263105	       114 	      2,922 	  SH	 OTHER	      827    2,095
PROGRESSIVE CORP OHIO		COM		743315103	       239 	      4,035 	  SH	DEFINED	    3,812		     223
PROGRESSIVE CORP OHIO		COM		743315103	        11 	        188 	  SH	 OTHER	      188
PROTECTIVE LIFE CORP		COM		743674103	     1,349 	     47,265 	  SH	DEFINED	   47,265
PROTECTIVE LIFE CORP		COM		743674103	     5,489 	    192,257 	  SH	 OTHER	  190,965    1,292
PROVIDIAN FINL CORP		COM		74406A102	       195 	     29,680 	  SH	 OTHER	   15,880   13,800
PUBLIC SVC ENTERPRISE GROUP INC	COM		744573106	       218 	      5,952 	  SH	DEFINED	    5,102		     850
PUBLIC SVC ENTERPRISE GROUP INC	COM		744573106	       119 	      3,244 	  SH	 OTHER	       94    3,150
PUTNAM INVT GRADE MUN TR	COM		746805100	       338 	     31,000 	  SH	DEFINED	   31,000
PUTNAM MANAGED MUN INCOME TR	COM		746823103	     2,511 	    330,884 	  SH	DEFINED	  330,884
QUALCOMM INC			COM		747525103	       562 	     15,609 	  SH	DEFINED	   14,856		     753
QUALCOMM INC			COM		747525103	       688 	     19,105 	  SH	 OTHER	    4,890    5,050	   9,165
QUEST DIAGNOSTICS INC		COM		74834L100	       215 	      3,594 	  SH	DEFINED	    2,645		     949
QUEST DIAGNOSTICS INC		COM		74834L100	         7 	        115 	  SH	 OTHER				     115
QUESTAR CORP			COM		748356102	       389 	     13,150 	  SH	DEFINED	   13,150
QWEST COMM INTL INC		COM		749121109	        30 	      8,711 	  SH	DEFINED	    8,002		     709
QWEST COMM INTL INC		COM		749121109	         6 	      1,655 	  SH	 OTHER	      655    1,000
RF MICRO DEVICES INC		COM		749941100	     1,442 	    240,000 	  SH	DEFINED	  240,000
RAYTHEON CO (NEW)		COM NEW		755111507	     3,453 	    121,704 	  SH	DEFINED	  104,776		  16,928
RAYTHEON CO (NEW)		COM NEW		755111507	       454 	     16,015 	  SH	 OTHER	   13,462    2,028	     525
REGIONS FINANCIAL CORP		COM		758940100	    86,033 	  2,655,332 	  SH	DEFINED	2,291,973    2,495	 360,864
REGIONS FINANCIAL CORP		COM		758940100	    49,105 	  1,515,584 	  SH	 OTHER	1,376,743   47,277	  91,564
RELIANT RES INC			COM		75952B105	        30 	      8,489 	  SH	DEFINED	    7,237		   1,252
RELIANT RES INC			COM		75952B105	        16 	      4,432 	  SH	 OTHER	      315    4,117
ROCKWELL AUTOMATION INC		COM		773903109	       260 	     12,560 	  SH	DEFINED	   11,510		   1,050
ROCKWELL AUTOMATION INC		COM		773903109	        31 	      1,494 	  SH	 OTHER	      266    1,228
ROCKWELL COLLINS INC		COM		774341101	       219 	     11,910 	  SH	DEFINED	   11,910
ROCKWELL COLLINS INC		COM		774341101	        27 	      1,494 	  SH	 OTHER	      266    1,228
ROYAL DUTCH PETROLEUM CO ADR	NY REG EUR.56	780257804	     2,395 	     58,773 	  SH	DEFINED	   58,338		     435
ROYAL DUTCH PETROLEUM CO ADR	NY REG EUR.56	780257804	       475 	     11,664 	  SH	 OTHER	    9,664    2,000
RUBY TUESDAY INC		COM		781182100	     5,948 	    291,587 	  SH	DEFINED	  291,587
RUBY TUESDAY INC		COM		781182100	       174 	      8,528 	  SH	 OTHER	    5,528    3,000
SBC COMMUNICATIONS INC NEW	COM		78387G103	     7,554 	    376,564 	  SH	DEFINED	  361,779    1,940	  12,845
SBC COMMUNICATIONS INC NEW	COM		78387G103	     1,144 	     57,010 	  SH	 OTHER	   19,825   24,784	  12,401
SPDR TR				UNIT SER 1	78462F103	    13,103 	    154,621 	  SH	DEFINED	  144,886    5,830	   3,905
SPDR TR				UNIT SER 1	78462F103	       920 	     10,860 	  SH	 OTHER	    4,560    6,300
SABINE ROYALTY TRUST INTEREST	UNIT BEN INT	785688102	       253 	     12,010 	  SH	DEFINED	   12,010
ST PAUL COS INC			COM		792860108	       234 	      7,351 	  SH	DEFINED	    7,351
ST PAUL COS INC			COM		792860108	       145 	      4,548 	  SH	 OTHER	    4,548
SAKS INC			COM		79377W108	       173 	     22,446 	  SH	DEFINED				  22,446
SAKS INC			COM		79377W108	         1 	        132 	  SH	 OTHER	      132
SANMINA CORP			COM		800907107	        17 	      4,258 	  SH	DEFINED	    4,258
SANMINA CORP			COM		800907107	        37 	      9,196 	  SH	 OTHER	    8,652		     544
SARA LEE CORP			COM		803111103	       513 	     27,440 	  SH	DEFINED	   25,440		   2,000
SARA LEE CORP			COM		803111103	       324 	     17,309 	  SH	 OTHER	   12,139    5,170
SCANA CORP NEW			COM		80589M102	       788 	     26,327 	  SH	DEFINED	   26,327
SCANA CORP NEW			COM		80589M102	       209 	      6,997 	  SH	 OTHER	    6,897      100
SCHERING-PLOUGH CORP		COM		806605101	     1,245 	     69,690 	  SH	DEFINED	   53,080		  16,610
SCHERING-PLOUGH CORP		COM		806605101	       434 	     24,360 	  SH	 OTHER	   12,600   11,760
SCHLUMBERGER LTD ADR		COM		806857108	     4,016 	    105,657 	  SH	DEFINED	   93,657		  12,000
SCHLUMBERGER LTD ADR		COM		806857108	     1,019 	     26,801 	  SH	 OTHER	   14,151    2,450	  10,200
SCHWAB CHARLES CORP NEW		COM		808513105	     3,860 	    534,573 	  SH	DEFINED	  534,271		     302
SCHWAB CHARLES CORP NEW		COM		808513105	         3 	        421 	  SH	 OTHER	      421
SCUDDER MUN INCOME TR		COM SH BEN INT	81118R604	       484 	     41,000 	  SH	DEFINED	   41,000
SEARS ROEBUCK & CO		COM		812387108	       188 	      7,767 	  SH	DEFINED	    7,767
SEARS ROEBUCK & CO		COM		812387108	       109 	      4,509 	  SH	 OTHER	    4,509
SEPRACOR INC			COM		817315104	     4,333 	    320,000 	  SH	DEFINED	  320,000
SERVICEMASTER CO		COM		81760N109	       987 	     98,680 	  SH	DEFINED	    3,375		  95,305
SHERWIN WILLIAMS CO		COM		824348106	       125 	      4,749 	  SH	DEFINED	    3,139		   1,610
SHERWIN WILLIAMS CO		COM		824348106	       117 	      4,420 	  SH	 OTHER	    4,150		     270
SICOR INC			COM		825846108	     3,340 	    200,000 	  SH	DEFINED	  200,000
SIEBEL SYS INC			COM		826170102	     1,966 	    245,408 	  SH	DEFINED	  244,904		     504
SIEBEL SYS INC			COM		826170102	         2 	        219 	  SH	 OTHER	      119		     100
SKYWEST INC			COM		830879102	     1,657 	    160,395 	  SH	DEFINED	  160,000		     395
SKYWORKS SOLUTIONS INC		COM		83088M102	        77 	     12,359 	  SH	DEFINED	    7,940		   4,419
SKYWORKS SOLUTIONS INC		COM		83088M102	         3 	        507 	  SH	 OTHER		       507
SMITH INTL INC			COM		832110100	     2,163 	     61,400 	  SH	DEFINED	   61,400
SMITH INTL INC			COM		832110100	         4 	        100 	  SH	 OTHER		       100
SONOCO PRODUCTS CO		COM		835495102	        72 	      3,462 	  SH	DEFINED	    3,462
SONOCO PRODUCTS CO		COM		835495102	       141 	      6,720 	  SH	 OTHER		     6,720
SOUTHERN CO			COM		842587107	     7,609 	    267,554 	  SH	DEFINED	  255,640      700	  11,214
SOUTHERN CO			COM		842587107	     2,503 	     88,012 	  SH	 OTHER	   79,747    6,904	   1,361
SOUTHSIDE BANCSHARES INC	COM		84470P109	       227 	     14,092 	  SH	DEFINED	   14,092
SOUTHTRUST CORP			COM		844730101	     5,750 	    225,216 	  SH	DEFINED	  222,262		   2,954
SOUTHTRUST CORP			COM		844730101	     6,702 	    262,502 	  SH	 OTHER	  207,504   42,930	  12,068
SOUTHWEST AIRLINES CO		COM		844741108	     4,469 	    311,245 	  SH	DEFINED	  310,822		     423
SOUTHWEST AIRLINES CO		COM		844741108	        92 	      6,413 	  SH	 OTHER	    3,263    1,150	   2,000
SOUTHWESTERN ENERGY CO		COM		845467109	       236 	     18,040 	  SH	DEFINED	    3,200		  14,840
SPRINT CORP			PCS COM SER 1	852061506	        94 	     21,632 	  SH	DEFINED	   21,632
SPRINT CORP			PCS COM SER 1	852061506	         6 	      1,272 	  SH	 OTHER	    1,204       68
STATE STR CORP			COM		857477103	       287 	      9,084 	  SH	DEFINED	    8,794		     290
STATE STR CORP			COM		857477103	         7 	        209 	  SH	 OTHER				     209
STRYKER CORP			COM		863667101	       501 	      7,298 	  SH	DEFINED	    6,440		     858
STRYKER CORP			COM		863667101	        12 	        181 	  SH	 OTHER				     181
SUN LIFE FINANCIAL SVCS CAN ADR	COM		866796105	       219 	     11,667 	  SH	DEFINED	   11,667
SUN MICROSYSTEMS INC		COM		866810104	     1,787 	    548,205 	  SH	DEFINED	  536,405		  11,800
SUN MICROSYSTEMS INC		COM		866810104	        88 	     27,065 	  SH	 OTHER	   17,600    8,465	   1,000
SUNTRUST BANKS INC		COM		867914103	     1,565 	     29,726 	  SH	DEFINED	   29,519      207
SUNTRUST BANKS INC		COM		867914103	       922 	     17,518 	  SH	 OTHER	   15,816    1,702
SYMANTEC CORP			COM		871503108	     2,459 	     62,759 	  SH	DEFINED	   61,575		   1,184
SYMANTEC CORP			COM		871503108	        87 	      2,225 	  SH	 OTHER	    2,000		     225
SYNOPSYS INC			COM		871607107	     2,137 	     50,210 	  SH	DEFINED	   50,000		     210
SYNOPSYS INC			COM		871607107	         2 	         50 	  SH	 OTHER				      50
SYNOVUS FINANCIAL CORP		COM		87161C105	       855 	     47,793 	  SH	DEFINED	   46,268      450	   1,075
SYNOVUS FINANCIAL CORP		COM		87161C105	     2,057 	    114,975 	  SH	 OTHER	  111,055      505	   3,415
SYSCO CORP			COM		871829107	     1,662 	     65,317 	  SH	DEFINED	   64,007		   1,310
SYSCO CORP			COM		871829107	       121 	      4,770 	  SH	 OTHER	    3,800      800	     170
TCF FINL CORP			COM		872275102	     1,604 	     40,065 	  SH	DEFINED	   40,000		      65
TECO ENERGY INC			COM		872375100	       191 	     17,950 	  SH	DEFINED	   17,950
TECO ENERGY INC			COM		872375100	         9 	        800 	  SH	 OTHER	      800
TEPPCO PARTNERS LP		UT LTD PARTNER	872384102	       430 	     13,600 	  SH	DEFINED	   13,600
TXU CORP			COM		873168108	       342 	     19,142 	  SH	DEFINED	   16,142		   3,000
TXU CORP			COM		873168108	        22 	      1,206 	  SH	 OTHER	    1,000        6	     200
TARGET CORP			COM		87612E106	     7,849 	    268,250 	  SH	DEFINED	  263,004		   5,246
TARGET CORP			COM		87612E106	       600 	     20,498 	  SH	 OTHER	   14,353    4,425	   1,720
TELEFONICA S. A.		SPONSORED ADR	879382208	       361 	     12,873 	  SH	DEFINED	   12,623		     250
TELEFONICA S. A.		SPONSORED ADR	879382208	         6 	        212 	  SH	 OTHER				     212
TELEPHONE & DATA SYS INC	COM		879433100	       571 	     13,957 	  SH	DEFINED	    1,200		  12,757
TEMPLETON GLOBAL INCOME FD INC	COM		880198106	       106 	     13,707 	  SH	DEFINED	   13,707
TEMPLETON GLOBAL INCOME FD INC	COM		880198106	         8 	      1,000 	  SH	 OTHER		     1,000
TERADYNE INC			COM		880770102	       735 	     63,179 	  SH	DEFINED	   62,179		   1,000
TERADYNE INC			COM		880770102	         9 	        800 	  SH	 OTHER	      800
TEXAS INSTRUMENTS INC		COM		882508104	     8,685 	    530,569 	  SH	DEFINED	  502,156		  28,413
TEXAS INSTRUMENTS INC		COM		882508104	       510 	     31,178 	  SH	 OTHER	   25,300    4,788	   1,090
TEXTRON INC			COM		883203101	       211 	      7,700 	  SH	 OTHER				   7,700
3M CO				COM		88579Y101	     4,807 	     36,970 	  SH	DEFINED	   36,413		     557
3M CO				COM		88579Y101	     2,434 	     18,722 	  SH	 OTHER	   14,321    1,014	   3,387
TIMBERLAND CO			CL A		887100105	     2,091 	     50,000 	  SH	DEFINED	   50,000
TORCHMARK CORP			COM		891027104	     3,848 	    107,481 	  SH	DEFINED	   93,268      800	  13,413
TORCHMARK CORP			COM		891027104	     8,951 	    250,035 	  SH	 OTHER	  240,054    9,981
TRAVELERS PPTY CAS CORP NEW	CL A		89420G109	       155 	     11,017 	  SH	DEFINED	    9,417		   1,600
TRAVELERS PPTY CAS CORP NEW	CL A		89420G109	        56 	      3,946 	  SH	 OTHER	    2,936      542	     468
TRAVELERS PPTY CAS CORP NEW	CL B		89420G406	        52 	      3,694 	  SH	DEFINED	    3,577		     117
TRAVELERS PPTY CAS CORP NEW	CL B		89420G406	       101 	      7,191 	  SH	 OTHER	    6,043    1,120	      28
TRIZEC PROPERTIES INC (REIT)	COM		89687P107	       493 	     58,045 	  SH	DEFINED				  58,045
TYCO INTL LTD NEW ADR		COM		902124106	       203 	     15,775 	  SH	DEFINED	   15,295		     480
TYCO INTL LTD NEW ADR		COM		902124106	        16 	      1,274 	  SH	 OTHER	    1,274
UST INC				COM		902911106	    11,172 	    404,794 	  SH	DEFINED	  402,564		   2,230
UST INC				COM		902911106	        80 	      2,900 	  SH	 OTHER	    2,800      100
US BANCORP DEL COM NEW		COM NEW		902973304	     3,880 	    204,452 	  SH	DEFINED	  185,697		  18,755
US BANCORP DEL COM NEW		COM NEW		902973304	       273 	     14,401 	  SH	 OTHER	   13,577      634	     190
UNION PACIFIC CORP		COM		907818108	     1,472 	     26,767 	  SH	DEFINED	   26,527		     240
UNION PACIFIC CORP		COM		907818108	       229 	      4,171 	  SH	 OTHER	    3,075    1,006	      90
UNION PLANTERS CORP		COM		908068109	     1,936 	     73,637 	  SH	DEFINED	   73,637
UNION PLANTERS CORP		COM		908068109	     6,215 	    236,419 	  SH	 OTHER	   48,250  172,380	  15,789
UNITED PARCEL SVC INC		CL B		911312106	        60 	      1,059 	  SH	DEFINED	      822		     237
UNITED PARCEL SVC INC		CL B		911312106	       199 	      3,492 	  SH	 OTHER				   3,492
UNITED SEC BANCSHARES INC	SHS		911459105	     2,873 	     56,320 	  SH	DEFINED	   56,320
UNITED SEC BANCSHARES INC	SHS		911459105	        26 	        500 	  SH	 OTHER		       500
UNITED TECHNOLOGIES CORP	COM		913017109	     1,442 	     24,959 	  SH	DEFINED	   23,677		   1,282
UNITED TECHNOLOGIES CORP	COM		913017109	       464 	      8,032 	  SH	 OTHER	    7,668		     364
UNITEDHEALTH GROUP INC		COM		91324P102	       455 	      4,966 	  SH	DEFINED	    3,978		     988
UNITEDHEALTH GROUP INC		COM		91324P102	        81 	        888 	  SH	 OTHER	      416		     472
UNOCAL CORP			COM		915289102	       200 	      7,598 	  SH	DEFINED	    6,598		   1,000
UNOCAL CORP			COM		915289102	        26 	      1,000 	  SH	 OTHER	    1,000
UNUMPROVIDENT CORP		COM		91529Y106	        10 	      1,020 	  SH	DEFINED	    1,020
UNUMPROVIDENT CORP		COM		91529Y106	       243 	     24,795 	  SH	 OTHER	   17,681    7,114
V F CORP			COM		918204108	     2,526 	     67,121 	  SH	DEFINED	   66,106		   1,015
V F CORP			COM		918204108	       309 	      8,210 	  SH	 OTHER	    8,000		     210
VERIZON COMMUNICATIONS		COM		92343V104	    14,683 	    415,315 	  SH	DEFINED	  382,677      140	  32,498
VERIZON COMMUNICATIONS		COM		92343V104	     2,292 	     64,829 	  SH	 OTHER	   39,788   20,438	   4,603
VIACOM INC			CL B		925524308	     1,868 	     50,958 	  SH	DEFINED	   41,791    4,678	   4,489
VIACOM INC			CL B		925524308	        60 	      1,645 	  SH	 OTHER	      250		   1,395
VIVENDI UNIVERSAL		SPON ADR NEW	92851S204	       994 	     74,184 	  SH	DEFINED	    3,184		  71,000
VIVENDI UNIVERSAL		SPON ADR NEW	92851S204	         9 	        656 	  SH	 OTHER	      656
VODAFONE GROUP PLC NEW		SPONSORED ADR	92857W100	       608 	     33,671 	  SH	DEFINED	   22,318		  11,353
VODAFONE GROUP PLC NEW		SPONSORED ADR	92857W100	       294 	     16,151 	  SH	 OTHER	    3,825    6,706	   5,620
VULCAN MATERIALS CO		COM		929160109	     4,419 	    146,182 	  SH	DEFINED	  146,182
VULCAN MATERIALS CO		COM		929160109	     7,966 	    263,501 	  SH	 OTHER	  197,764    4,219	  61,518
WACHOVIA CORP			COM		929903102	     7,232 	    212,280 	  SH	DEFINED	  208,070    1,310	   2,900
WACHOVIA CORP			COM		929903102	       798 	     23,413 	  SH	 OTHER	   15,031    8,382
WADDELL & REED FINL INC CL A	CL A		930059100	       266 	     15,124 	  SH	DEFINED	   15,124
WADDELL & REED FINL INC CL A	CL A		930059100	     1,777 	    101,135 	  SH	 OTHER	   98,772    2,363
WAL MART STORES INC		COM		931142103	    33,694 	    647,587 	  SH	DEFINED	  626,959		  20,628
WAL MART STORES INC		COM		931142103	     4,702 	     90,377 	  SH	 OTHER	   68,088   20,588	   1,701
WALGREEN CO			COM		931422109	     2,200 	     74,624 	  SH	DEFINED	   72,954		   1,670
WALGREEN CO			COM		931422109	       130 	      4,409 	  SH	 OTHER	    2,500    1,400	     509
WASHINGTON MUTUAL INC		COM		939322103	    10,864 	    308,027 	  SH	DEFINED	  288,215		  19,812
WASHINGTON MUTUAL INC		COM		939322103	       372 	     10,561 	  SH	 OTHER	   10,076      130	     355
WASTE MANAGEMENT COM		COM		94106L109	     1,075 	     50,758 	  SH	DEFINED	    2,203		  48,555
WELLPOINT HEALTH NETWORKS INC	COM		94973H108	       209 	      2,726 	  SH	DEFINED	    2,377		     349
WELLPOINT HEALTH NETWORKS INC	COM		94973H108	        14 	        178 	  SH	 OTHER				     178
WELLS FARGO & CO NEW		COM		949746101	    11,521 	    256,197 	  SH	DEFINED	  242,829		  13,368
WELLS FARGO & CO NEW		COM		949746101	       819 	     18,215 	  SH	 OTHER	    9,775    7,150	   1,290
WEYERHAEUSER CO			COM		962166104	     7,192 	    150,375 	  SH	DEFINED	  140,475		   9,900
WEYERHAEUSER CO			COM		962166104	       254 	      5,319 	  SH	 OTHER	    3,969    1,150	     200
WILLIAMS COS INC		COM		969457100	        65 	     14,100 	  SH	DEFINED	   14,100
WILLIAMS COS INC		COM		969457100	        31 	      6,850 	  SH	 OTHER	    6,350      500
WILLIAMS SONOMA INC		COM		969904101	     1,093 	     50,121 	  SH	DEFINED	   50,000		     121
WILMINGTON TR CORP		COM		971807102	     1,183 	     42,550 	  SH	DEFINED	   42,550
WISCONSIN ENERGY CORP		COM		976657106	       393 	     15,475 	  SH	DEFINED	   15,475
WISCONSIN ENERGY CORP		COM		976657106	         3 	        110 	  SH	 OTHER	      110
WRIGLEY WM JR CO		COM		982526105	     2,977 	     52,682 	  SH	DEFINED	   52,682
WRIGLEY WM JR CO		COM		982526105	       746 	     13,200 	  SH	 OTHER	   12,200    1,000
WYETH				COM		983024100	    16,425 	    434,302 	  SH	DEFINED	  412,784    1,960	  19,558
WYETH				COM		983024100	     3,672 	     97,100 	  SH	 OTHER	   82,473   11,967	   2,660
XILINX INC			COM		983919101	     8,131 	    347,337 	  SH	DEFINED	  346,770		     567
XEROX CORP			COM		984121103	       165 	     18,965 	  SH	DEFINED	   17,645		   1,320
YUM BRANDS INC			COM		988498101	     1,192 	     49,005 	  SH	DEFINED	    2,394		  46,611
ZIMMER HLDGS INC		COM		98956P102	       388 	      7,977 	  SH	DEFINED	    7,661		     316
ZIMMER HLDGS INC		COM		98956P102	       138 	      2,831 	  SH	 OTHER	    2,430      239	     162