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

                                   FORM 13F

                             FORM 13F COVER PAGE


Report for the Calendar Year or Quarter Ended     9/30/05 
                                              -----------------

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:    PEAPACK GLADSTONE FINANCIAL CORPORATION
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Address: 158 Route 206 North
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         Gladstone, NJ 07934
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Form 13F File Number:  28-
                          -------------


The Institutional Investment Manager filing this report and the person by whom 
it is signed 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:  ROY C. MILLER     
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Title: Vice President
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Phone: 908 719 3306
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Signature, Place, and Date of Signing:

Roy C. Miller                      Gladstone, NJ                 11/04/05
-------------------------------    --------------------------    ------------
[Signature]                        [City, State]                 [Date]

Report Type (Check only one.):

[X] 13F HOLDINGS REPORT. (Check if all holdings of this reporting manager are
    reported in this report.)

[ ] 13F NOTICE.  (Check if no holdings reported are in this report, and all
    holdings are reported in this report and a portion are reported by other
    reporting manager(s).)

[ ] 13F COMBINATION REPORT.  (Check 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:
[If there are no entries in this list, omit this section.]

    Form 13F File Number              Name

    28-
       ---------------------------    -----------------------------
    [Repeat as necessary.]

     


                              FORM 13F SUMMARY PAGE


Report Summary:

Number of Other Included Managers:                  0
                                            ---------
Form 13F Information Table Entry Total:     9,873,435
                                            --------- 
Form 13F Information Table Value Total:       399,889
                                            ---------
                                           (thousands)


List of Other Included Managers:

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.

      No.         Form 13F File Number               Name

      01          28 - 

      02          28 - 

      03          28 - 

 
                           FORM 13F INFORMATION TABLE


                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                              
DAIMLERCHRYSLER AG ORD                          D1668R123       57     1080 SH       DEFINED                   748      332        0
INGERSOLL RAND COMPANY         CLASS A COMMON   G4776G101       76     2000 SH       SOLE                     2000        0        0
INGERSOLL RAND COMPANY         CLASS A COMMON   G4776G101      468    12260 SH       DEFINED                 12260        0        0
NABORS INDUSTRIES LTD COM                       G6359F103      788    10975 SH       SOLE                    10675        0      300
NABORS INDUSTRIES LTD COM                       G6359F103      172     2400 SH       DEFINED                  2100      300        0
NOBLE CORP                                      G65422100        2       40 SH       SOLE                       40        0        0
TRANSOCEAN INC                                  G90078109      576     9395 SH       SOLE                     9295        0      100
TRANSOCEAN INC                                  G90078109      321     5242 SH       DEFINED                  2442     2800        0
ALCON INC                                       H01301102     1046     8180 SH       SOLE                     8180        0        0
ALCON INC                                       H01301102      607     4750 SH       DEFINED                  4150      600        0
GILAT SATELLITE NETWORKS LTD                    M51474118        0      120 SH       SOLE                      120        0        0
ORTHOFIX INTERNATIONAL N.V.                     N6748L102        1       44 SH       SOLE                       44        0        0
FLEXTRONICS INTERNATIONAL                       Y2573F102        1      119 SH       SOLE                      119        0        0
FLEXTRONICS INTERNATIONAL                       Y2573F102       46     3600 SH       DEFINED                  2900        0      700
TEEKAY SHIPPING CORP                            Y8564W103       86     2000 SH       DEFINED                  2000        0        0
ACCO BRANDS CORP                                00081T108      257     9134 SH       SOLE                     9134        0        0
ACCO BRANDS CORP                                00081T108      127     4538 SH       DEFINED                  3764      628      146
AFLAC INCORPORATED                              001055102       38      845 SH       SOLE                      845        0        0
AFLAC INCORPORATED                              001055102       54     1200 SH       DEFINED                     0     1200        0
AGCO CORPORATION                                001084102       54     3000 SH       DEFINED                  3000        0        0
AGL RESOURCES INC              COM              001204106        6      174 SH       DEFINED                   174        0        0
AES CORPORATION                                 00130H105       13      833 SH       SOLE                      833        0        0
AES CORPORATION                                 00130H105       31     1905 SH       DEFINED                  1905        0        0
AT&T CORP NEW                                   001957505       16      846 SH       SOLE                      846        0        0
AT&T CORP NEW                                   001957505       10      553 SH       DEFINED                   533       20        0
AVI BIOPHARMA INC                               002346104      153    58500 SH       DEFINED                 58500        0        0
AASTROM BIOSCIENCES                             00253U107        8     3500 SH       DEFINED                  3500        0        0
ABBOTT LABS                    COM              002824100      302     7146 SH       SOLE                     7146        0        0
ABBOTT LABS                    COM              002824100      616    14536 SH       DEFINED                 11036     3500        0
ABERCROMBIE & FITCH                             002896207        9      200 SH       DEFINED                   200        0        0
ABBEY NATIONAL PLC             7.375% PFD       002920700       32     1200 SH       SOLE                     1200        0        0
ADAMS EXPRESS COMPANY                           006212104       14     1085 SH       DEFINED                  1085        0        0
ADESA INC                                       00686U104        8      400 SH       DEFINED                   400        0        0
ADOBE SYSTEMS INCORPORATED                      00724F101     3136   105100 SH       SOLE                   104400        0      700
ADOBE SYSTEMS INCORPORATED                      00724F101     1562    52355 SH       DEFINED                 45080     6475      800
AGERE SYS INC COMMON                            00845V308        0       75 SH       DEFINED                    75        0        0
AGILENT TECHNOLOGIES                            00846U101       20      638 SH       DEFINED                   257      381        0
AIR PRODUCTS & CHEMICALS INC                    009158106     1793    32540 SH       SOLE                    31570        0      970
AIR PRODUCTS & CHEMICALS INC                    009158106      877    15915 SH       DEFINED                 14090     1825        0
AIRTRAN HOLDINGS INC           COM              00949P108        1      100 SH       DEFINED                   100        0        0
ALBERTO CULVER CO COM                           013068101      643    14375 SH       SOLE                    14025        0      350
ALBERTO CULVER CO COM                           013068101      120     2700 SH       DEFINED                  2150        0      550
ALCOA INC                      COM              013817101       17      700 SH       SOLE                      700        0        0
ALCOA INC                      COM              013817101        0       37 SH       DEFINED                     0       37        0
ALLERGAN INC COM                                018490102       36      400 SH       DEFINED                   200      200        0
ALLETE INC COM NEW                              018522300        6      133 SH       DEFINED                   133        0        0
ALLIANCE CAPITAL MANAGEMENT  
  HOLDING LP                                    01855A101       23      500 SH       SOLE                      500        0        0
ALLIANCE CAPITAL MANAGEMENT  
  HOLDING LP                                    01855A101       10      225 SH       DEFINED                   225        0        0
ALLIANCE RESOURCE PARTNERS L P                  01877R108       91     2000 SH       DEFINED                  2000        0        0
ALLIANT ENERGY CORP            COM              018802108       13      480 SH       SOLE                      480        0        0
ALLIANT ENERGY CORP            COM              018802108       62     2132 SH       DEFINED                  2132        0        0
ALLIANT TECHNOLOGIES                            018804104       29      400 SH       DEFINED                     0      400        0
ALLIED CAPITAL CORP            NEW              01903Q108       57     2000 SH       SOLE                     2000        0        0
ALLIED IRISH BANKS PLC ADR                      019228402       21      500 SH       SOLE                      500        0        0



                                                                                              
ALLMERICA FINANCIAL 
  CORPORATION                                   019754100       12      309 SH       SOLE                      309        0        0
ALLMERICA FINANCIAL 
  CORPORATION                                   019754100        7      177 SH       DEFINED                   177        0        0
ALLSTATE CORP                  COM              020002101      120     2182 SH       SOLE                     2000        0      182
ALLSTATE CORP                  COM              020002101       87     1584 SH       DEFINED                  1184      400        0
ALLTELL CORPORATION                             020039103      462     7100 SH       SOLE                     7100        0        0
ALLTELL CORPORATION                             020039103      199     3058 SH       DEFINED                  2058     1000        0
ALTRIA GROUP INC                                02209S103       12      170 SH       SOLE                      170        0        0
ALTRIA GROUP INC                                02209S103      655     8900 SH       DEFINED                  8400        0      500
AMBAC FINANCIAL GROUP INC                       023139108      122     1700 SH       DEFINED                  1700        0        0
AMEREN CORP                    COM              023608102      197     3700 SH       DEFINED                  3700        0        0
AMERICA MOVIL ADR                               02364W105       31     1200 SH       DEFINED                  1200        0        0
AMERICAN ELEC PWR INC          COM              025537101      105     2670 SH       SOLE                     2670        0        0
AMERICAN ELEC PWR INC          COM              025537101      132     3326 SH       DEFINED                  3326        0        0
AMERICAN EXPRESS CO            COM              025816109      157     2751 SH       SOLE                     2751        0        0
AMERICAN EXPRESS CO            COM              025816109      476     8300 SH       DEFINED                  7800      500        0
AMERICAN INTERNATIONAL GROUP                    026874107     2095    33824 SH       SOLE                    33424        0      400
AMERICAN INTERNATIONAL GROUP                    026874107     2218    35806 SH       DEFINED                 29150     5581     1075
AMERICAN REALTY INVESTORS, INC.                 029174109        3      417 SH       DEFINED                     0      417        0
AMERICAN STANDARD COMPANIES INC                 029712106       69     1500 SH       DEFINED                     0     1500        0
AMERICAN TOWER CORP CLASS A                     029912201        8      330 SH       DEFINED                   330        0        0
AMETEK INC (NEW)                                031100100       24      560 SH       DEFINED                   560        0        0
AMGEN INC                                       031162100     1364    17133 SH       SOLE                    16533        0      600
AMGEN INC                                       031162100      472     5935 SH       DEFINED                  4990      945        0
AMSOUTH BANCORPORATION                          032165102       42     1687 SH       DEFINED                  1687        0        0
AMYLIN PHARMECEUTICALS                          032346108       17      500 SH       DEFINED                     0      500        0
ANADARKO PETE CORP             COM              032511107       70      735 SH       SOLE                      735        0        0
ANADARKO PETE CORP             COM              032511107      977    10204 SH       DEFINED                  9304        0      900
ANGLOGOLD LIMITED ADR'S        PV R0.50         035128206       12      300 SH       DEFINED                   300        0        0
ANHEUSER BUSCH COS INC         COM              035229103       30      700 SH       SOLE                      700        0        0
ANHEUSER BUSCH COS INC         COM              035229103      330     7676 SH       DEFINED                  6826      500      350
ANTHRACITE CAPITAL INC                          037023108       23     2000 SH       SOLE                     2000        0        0
AON CORP                                        037389103       88     2772 SH       SOLE                     2772        0        0
APACHE CORPORATION                              037411105      233     3100 SH       SOLE                     3100        0        0
APOLLO GROUP INC CL A                           037604105       62      940 SH       DEFINED                   540        0      400
APPLE COMPUTER INC                              037833100       11      220 SH       DEFINED                     0      220        0
APPLEBEE'S INTL INC                             037899101      963    46580 SH       SOLE                    44680        0     1900
APPLEBEE'S INTL INC                             037899101      606    29308 SH       DEFINED                 22473     4810     2025
APPLERA CORP COM CELERA 
  GENOMICS GROUP                                038020202        0       13 SH       DEFINED                    13        0        0
APPLIED MATERIALS INC                           038222105       14      850 SH       SOLE                      850        0        0
APPLIED MATERIALS INC                           038222105       59     3500 SH       DEFINED                  3500        0        0
AQUA AMERICA INC                                03836W103      423    11147 SH       SOLE                    11147        0        0
AQUA AMERICA INC                                03836W103      444    11690 SH       DEFINED                 11690        0        0
ARCHER-DANIELS-MIDLAND
  COMPANY                                       039483102        2      100 SH       SOLE                      100        0        0
ARGON ST INC COM                                040149106        8      300 SH       DEFINED                   300        0        0
ASHLAND INC NEW                                 044209104       25      466 SH       DEFINED                   466        0        0
ASTRAZENECA PLC SPONSORED   ADR                 046353108       58     1248 SH       SOLE                     1248        0        0
ATLAS PIPELINE LTD PARTNERSHIP                  049392103        9      200 SH       DEFINED                   200        0        0
ATMOS ENERGY                                    049560105       84     3000 SH       DEFINED                  3000        0        0
AUTHENTIDATE HOLDING CORP                       052666104        2     1000 SH       SOLE                     1000        0        0
AUTOMATIC DATA PROCESSING                       053015103     2638    61311 SH       SOLE                    60561        0      750
AUTOMATIC DATA PROCESSING                       053015103     1693    39340 SH       DEFINED                 34615     4075      650
AVATAR HOLDINGS INC                             053494100       29      500 SH       SOLE                      500        0        0
AVAYA INC                      COM USD .01      053499109        2      212 SH       SOLE                      212        0        0
AVAYA INC                      COM USD .01      053499109        0       67 SH       DEFINED                    67        0        0
AVERY DENNISON CORP                             053611109       18      350 SH       DEFINED                   350        0        0
AVON PRODUCTS                                   054303102        8      300 SH       SOLE                      300        0        0
AXA ADR                                         054536107        0       34 SH       SOLE                       34        0        0
AXA ADR                                         054536107        8      300 SH       DEFINED                   300        0        0
BB&T CORP                                       054937107       18      472 SH       SOLE                      472        0        0
BCE INC                        COM              05534B109        2      100 SH       SOLE                      100        0        0



                                                                                              
BJ SERVICES CO                                  055482103       46     1300 SH       DEFINED                  1300        0        0
BOC GROUP PLC ADR                               055617609       20      500 SH       DEFINED                   500        0        0
BP PLC                                          055622104     1216    17172 SH       SOLE                    17072        0      100
BP PLC                                          055622104     2419    34145 SH       DEFINED                 32545     1600        0
BAKER HUGHES INCORPORATED      COMMON           057224107        5      100 SH       SOLE                      100        0        0
BALLARD POWER SYSTEMS INC                       05858H104        2      400 SH       DEFINED                   400        0        0
BANK AMERICA CORP              COM              060505104     4827   114698 SH       SOLE                    95412        0    19286
BANK AMERICA CORP              COM              060505104     4258   101167 SH       DEFINED                 94857     6310        0
BANK OF NEW YORK INC                            064057102      179     6102 SH       SOLE                     6102        0        0
BANK OF NEW YORK INC                            064057102       31     1068 SH       DEFINED                  1068        0        0
BK NOVA SCOTIA LA BANQUE 
  DE NOUVELLE ECOSSE                            064149107        8      214 SH       SOLE                      214        0        0
BARNES & NOBLE INC                              067774109       30      800 SH       DEFINED                     0        0      800
BARR PHARMACEUTICAL INC                         068306109       71     1300 SH       DEFINED                     0        0     1300
BAUSCH & LOMB INC              COM              071707103       80     1000 SH       SOLE                     1000        0        0
BAXTER INTERNATIONAL                            071813109       19      500 SH       SOLE                      500        0        0
BAXTER INTERNATIONAL                            071813109       39     1000 SH       DEFINED                  1000        0        0
BAY VIEW CAPITAL CORP NEW                       07262L309        3      200 SH       DEFINED                   200        0        0
BECTON DICKINSON & COMPANY                      075887109       70     1350 SH       DEFINED                  1200      150        0
BED BATH & BEYOND                               075896100       46     1154 SH       DEFINED                   754      400        0
BEDFORD PROPERTY INVESTORS INC                  076446301        2      100 SH       DEFINED                   100        0        0
BELLSOUTH CORP                 COM              079860102      181     6890 SH       SOLE                     6890        0        0
BELLSOUTH CORP                 COM              079860102      365    13916 SH       DEFINED                 12816      700      400
BEMA GOLD CORPORATION                           08135F107       26    10000 SH       DEFINED                     0    10000        0
BERKSHIRE HATHAWAY CLASS 'B'   COMMON           084670207       27       10 SH       DEFINED                    10        0        0
BERRY PETROLEUM                                 085789105       20      300 SH       DEFINED                   300        0        0
BEST BUY COMPANY INC                            086516101      145     3345 SH       SOLE                     3345        0        0
BEST BUY COMPANY INC                            086516101      326     7496 SH       DEFINED                  6596      900        0
BIOGEN IDEC INC                                 09062X103        8      225 SH       SOLE                      225        0        0
BIOVAIL CORPORATION                             09067J109       63     2700 SH       DEFINED                  2700        0        0
BLACK & DECKER CORP            COM              091797100       32      400 SH       DEFINED                   400        0        0
BLACKROCK NJ MUNICIPAL
 INCOME TRUST                                   09248J101       10      643          SOLE                      643        0        0
BLACKROCK CORE COND TRUST                       09249E101        5      400 SH       SOLE                      400        0        0
BLACKROCK DIVIDEND ACHVRS      TR               09250N107        5      400 SH       DEFINED                   400        0        0
BLOCK H & R INC                COM              093671105       38     1600 SH       DEFINED                  1600        0        0
BOEING CO                      COM              097023105       29      430 SH       SOLE                      430        0        0
BOEING CO                      COM              097023105       33      500 SH       DEFINED                   200      300        0
BOSTON PROPERTIES INC.                          101121101       17      250 SH       SOLE                      250        0        0
BOSTON SCIENTIFIC CORP.                         101137107       28     1200 SH       DEFINED                  1200        0        0
BRIGGS & STRATTON CORPORATION                   109043109        8      238 SH       SOLE                      238        0        0
BRISTOL-MYERS SQUIBB                            110122108      729    30353 SH       SOLE                    30353        0        0
BRISTOL-MYERS SQUIBB                            110122108     1700    70701 SH       DEFINED                 68201     1500     1000
BROADCOM CORPORATION           COM              111320107       14      300 SH       DEFINED                     0        0      300
BROWN FORMAN DISTILLERS CORP   CLASS 'A' VOTING 115637100       24      400 SH       DEFINED                   400        0        0
BUCKEYE PIPELINE PARTNERS LP                    118230101      699    14682 SH       SOLE                    14682        0        0
BUCKEYE PIPELINE PARTNERS LP                    118230101      545    11450 SH       DEFINED                 10950      500        0
BURLINGTON NORTHERN SANTA FE 
  CORP                                          12189T104       44      750 SH       SOLE                      750        0        0
BURLINGTON NORTHERN SANTA FE 
  CORP                                          12189T104      218     3649 SH       DEFINED                  2529     1120        0
BURLINGTON RESOURCES                            122014103      174     2150 SH       DEFINED                  2000      150        0
CRACKER BARREL GROUP INC                        12489V106       58     1725 SH       SOLE                     1725        0        0
CSX CORP                       COM              126408103       46     1000 SH       DEFINED                  1000        0        0
CVS CORP                       COM              126650100       34     1200 SH       SOLE                     1200        0        0
CVS CORP                       COM              126650100      490    16930 SH       DEFINED                 10730     6200        0
CABELAS INC                                     126804301       47     2600 SH       SOLE                     2500        0      100
CACI INTL INC CLASS A                           127190304      466     7700 SH       SOLE                     7700        0        0
CACI INTL INC CLASS A                           127190304       66     1100 SH       DEFINED                  1100        0        0
CAL DIVE INTL INC                               127914109       44      700 SH       DEFINED                   700        0        0
CALIPER LIFE SCIENCES INC                       130872104       15     2200 SH       SOLE                     2200        0        0
CAMPBELL SOUP CO               COM              134429109        2      100 SH       SOLE                      100        0        0
CAMPBELL SOUP CO               COM              134429109       59     2000 SH       DEFINED                  2000        0        0
CANADIAN NATURAL RESOURCES LTD                  136385101        4      100 SH       SOLE                      100        0        0



                                                                                              
CANADIAN NATURAL RESOURCES LTD                  136385101       27      600 SH       DEFINED                   600        0        0
CAPITAL ONE FINANCIAL                           14040H105     3284    41302 SH       SOLE                    40502        0      800
CAPITAL ONE FINANCIAL                           14040H105     1521    19135 SH       DEFINED                 16960     1300      875
CARDINAL HEALTH                                 14149Y108       22      350 SH       SOLE                      350        0        0
CARDINAL HEALTH                                 14149Y108       12      200 SH       DEFINED                   200        0        0
CAREER EDUCATION CORP                           141665109      214     6025 SH       SOLE                     6025        0        0
CAREER EDUCATION CORP                           141665109      356    10025 SH       DEFINED                  9025        0     1000
CATERPILLAR INC                                 149123101       52      900 SH       SOLE                      900        0        0
CATERPILLAR INC                                 149123101      495     8434 SH       DEFINED                  7584      850        0
CEDAR FAIR L.P.                                 150185106        5      200 SH       DEFINED                   200        0        0
CELGENE CORPORATION                             151020104       27      500 SH       SOLE                      500        0        0
CELGENE CORPORATION                             151020104       32      600 SH       DEFINED                   600        0        0
CENDANT CORPORATION                             151313103        2      100 SH       SOLE                      100        0        0
CENDANT CORPORATION                             151313103        4      200 SH       DEFINED                   200        0        0
CENTER BANCORP INC             COM              151408101       83     6999 SH       SOLE                     6999        0        0
CENTER BANCORP INC             COM              151408101      119    10032 SH       DEFINED                 10032        0        0
CENTERPOINT ENERGY INC                          15189T107       16     1100 SH       DEFINED                  1100        0        0
CENTURYTEL INC                                  156700106       97     2800 SH       SOLE                     2800        0        0
CERADYNE INC                                    156710105        5      162 SH       SOLE                      162        0        0
CERTEGY INC                                     156880106       34      850 SH       SOLE                      850        0        0
CERTEGY INC                                     156880106       13      325 SH       DEFINED                   325        0        0
CHESAPEAKE ENERGY CORP                          165167107       87     2300 SH       DEFINED                  2300        0        0
CHEVRON CORPORATION                             166764100     4006    61906 SH       SOLE                    60706        0     1200
CHEVRON CORPORATION                             166764100     3256    50317 SH       DEFINED                 43967     6150      200
CHICAGO BRIDGE & IRON N.V.                      167250109        9      300 SH       DEFINED                   300        0        0
CHINA MOBILE HONG KONG LTD ADR                  16941M109      113     4600 SH       DEFINED                  1800        0     2800
CHOICEPOINT INC                COM              170388102       60     1400 SH       DEFINED                     0        0     1400
THE CHUBB CORPORATION                           171232101     2127    23763 SH       SOLE                    23763        0        0
THE CHUBB CORPORATION                           171232101     1763    19690 SH       DEFINED                 17390     2300        0
CHURCH & DWIGHT INC            COM              171340102       25      700 SH       DEFINED                     0      700        0
CIMAREX ENERGY CO                               171798101       90     2000 SH       DEFINED                  2000        0        0
CINERGY CORP                                    172474108       24      550 SH       DEFINED                   550        0        0
CISCO SYS INC                                   17275R102     2484   138726 SH       SOLE                   135826        0     2900
CISCO SYS INC                                   17275R102     1226    68496 SH       DEFINED                 60956     6140     1400
CINTAS CORP                                     172908105     1225    29855 SH       SOLE                    29855        0        0
CINTAS CORP                                     172908105      486    11850 SH       DEFINED                  9900     1400      550
CITIZENS & NORTHN CORP                          172922106       53     2000 SH       SOLE                     2000        0        0
CITIGROUP INC                                   172967101     3040    66798 SH       SOLE                    65048        0     1750
CITIGROUP INC                                   172967101     3675    80752 SH       DEFINED                 76424     4328        0
CLEAR CHANNEL COMMUNICATIONS                    184502102       40     1225 SH       DEFINED                  1225        0        0
CLOROX CO DEL                  COM              189054109       88     1600 SH       SOLE                     1600        0        0
CLOROX CO DEL                  COM              189054109        5      100 SH       DEFINED                   100        0        0
COACH INC.                                      189754104       21      700 SH       DEFINED                   700        0        0
COCA COLA CO                   COM              191216100      156     3634 SH       SOLE                     3634        0        0
COCA COLA CO                   COM              191216100      125     2900 SH       DEFINED                  2900        0        0
COGNIZANT TECHNOLOGY CO                         192446102       39      846 SH       DEFINED                   846        0        0
COLGATE PALMOLIVE CO           COM              194162103      786    14890 SH       SOLE                    14790        0      100
COLGATE PALMOLIVE CO           COM              194162103      541    10262 SH       DEFINED                 10262        0        0
COMCAST CORP NEW CLASS A                        20030N101       29      999 SH       SOLE                      999        0        0
COMCAST CORP NEW CLASS A                        20030N101      135     4604 SH       DEFINED                  4572       32        0
COMERICA INC. CO                                200340107       22      375 SH       DEFINED                   375        0        0
COMMERCE BANCORP NJ                             200519106        9      300 SH       SOLE                      300        0        0
CAMPANHIA VALE DO RIO DOCE
  SPONSORED ADR                                 204412209       13      300 SH       DEFINED                   300        0        0
COMPASS BANCSHARES INC         COM              20449H109       11      250 SH       SOLE                      250        0        0
CONAGRA FOODS INC              COM              205887102       34     1400 SH       SOLE                     1400        0        0
CONAGRA FOODS INC              COM              205887102       14      600 SH       DEFINED                   600        0        0
CONOCOPHILLIPS CORP                             20825C104      103     1480 SH       SOLE                     1480        0        0
CONOCOPHILLIPS CORP                             20825C104     1374    19660 SH       DEFINED                 14816     2844     2000
CONSOLIDATED EDISON            COM              209115104      245     5061 SH       SOLE                     5061        0        0
CONSOLIDATED EDISON            COM              209115104       42      884 SH       DEFINED                   884        0        0



                                                                                              
CONSTELLATION BRANDS INC CL A                   21036P108      945    36380 SH       SOLE                    36180        0      200
CONSTELLATION BRANDS INC CL A                   21036P108     1036    39850 SH       DEFINED                 36250      700     2900
CONSTELLATION ENERGY GROUP
  INC                          COM              210371100       12      206 SH       SOLE                      206        0        0
CONSTELLATION ENERGY GROUP
  INC                          COM              210371100       55      900 SH       DEFINED                   900        0        0
CONTINENTAL AIRLINES INC CL B                   210795308       11     1200 SH       DEFINED                  1200        0        0
CORINTHIAN COLLEGES INC                         218868107        2      200 SH       DEFINED                   200        0        0
CORN PRODS INTL INC            COM              219023108       24     1200 SH       DEFINED                  1200        0        0
CORNING INC                                     219350105       86     4500 SH       SOLE                     4500        0        0
CORNING INC                                     219350105      136     7050 SH       DEFINED                  5050     2000        0
CORPORATE HIGH YIELD FUND III
 INC                                            219925104       16     2000 SH       DEFINED                  2000        0        0
CORRECTIONS CORP AMER NEW                       22025Y407        3      100 SH       DEFINED                   100        0        0
COSTCO WHOLESALE CORPORATION                    22160K105     3457    80232 SH       SOLE                    79582        0      650
COSTCO WHOLESALE CORPORATION                    22160K105     2005    46545 SH       DEFINED                 40720     4525     1300
CP SHIPS LTD COM                                22409V102       85     4000 SH       DEFINED                  4000        0        0
CUMMINS ENGINE INC                              231021106      263     3000 SH       DEFINED                  3000        0        0
CYTEC INDUSTRIES INC                            232820100        0       10 SH       SOLE                       10        0        0
DPL INC                        COM              233293109       17      636 SH       SOLE                      636        0        0
DTE ENERGY CO                  COM              233331107       81     1775 SH       SOLE                     1775        0        0
DTE ENERGY CO                  COM              233331107      188     4105 SH       DEFINED                  4105        0        0
DANAHER CORP                                    235851102       10      200 SH       SOLE                      200        0        0
DARDEN RESTAURANTS                              237194105       22      725 SH       SOLE                      725        0        0
DARDEN RESTAURANTS                              237194105       30     1000 SH       DEFINED                  1000        0        0
DEAN FOODS COMPANY                              242370104      104     2700 SH       DEFINED                   800     1900        0
DECODE GENETICS INC                             243586104        5      619 SH       DEFINED                   619        0        0
DEERE & COMPANY                                 244199105      272     4445 SH       SOLE                     4445        0        0
DEERE & COMPANY                                 244199105      676    11050 SH       DEFINED                 10550        0      500
DEL MONTE FOODS CO                              24522P103        3      300 SH       SOLE                      300        0        0
DEL MONTE FOODS CO                              24522P103        1      132 SH       DEFINED                   132        0        0
DELL INC                                        24702R101     3097    90556 SH       SOLE                    89056        0     1500
DELL INC                                        24702R101     2324    67965 SH       DEFINED                 57190     9225     1550
DELPHI CORPORATION             CORP             247126105        0      227 SH       DEFINED                     0      227        0
DELTIC TIMBER CORP                              247850100      138     3000 SH       DEFINED                  3000        0        0
DEVELOPERS DIVERSIFIED                          251591103        8      179 SH       DEFINED                   179        0        0
DEVON ENERGY CORPORATION       NEW COM          25179M103       33      481 SH       SOLE                      481        0        0
DEVON ENERGY CORPORATION       NEW COM          25179M103       34      500 SH       DEFINED                     0      500        0
DIAMONDS TRUST SER I                            252787106       39      370 SH       SOLE                      370        0        0
DIAMONDS TRUST SER I                            252787106       10      100 SH       DEFINED                   100        0        0
DIEBOLD INC                                     253651103      151     4400 SH       DEFINED                  4400        0        0
DIRECTV GROUP INC                               25459L106       20     1388 SH       SOLE                     1388        0        0
DIRECTV GROUP INC                               25459L106       16     1079 SH       DEFINED                  1067       12        0
DISNEY WALT CO                 COM DISNEY       254687106     2655   110083 SH       SOLE                   108233        0     1850
DISNEY WALT CO                 COM DISNEY       254687106     1905    79013 SH       DEFINED                 69980     9033        0
DOLLAR TREE STORES INC                          256747106        4      200 SH       DEFINED                   200        0        0
DOMINION RES INC                                25746U109      600     6972 SH       SOLE                     6972        0        0
DOMINION RES INC                                25746U109     1194    13872 SH       DEFINED                 11786     2086        0
DONALDSON INC                                   257651109      434    14225 SH       SOLE                    14225        0        0
DONALDSON INC                                   257651109      322    10575 SH       DEFINED                 10575        0        0
DORCHESTER MINERALS LP                          25820R105        1       60 SH       SOLE                       60        0        0
DOVER CORPORATION                               260003108       98     2415 SH       SOLE                     2415        0        0
DOW CHEM CO                    COM              260543103      412     9907 SH       SOLE                     9907        0        0
DOW CHEM CO                    COM              260543103      525    12606 SH       DEFINED                 10169      637     1800
DREYFUS MUNICIPAL INCOME                        26201R102        4      500          SOLE                      500        0        0
DU PONT E I DE NEMOURS & CO    COM              263534109      290     7427 SH       SOLE                     7427        0        0
DU PONT E I DE NEMOURS & CO    COM              263534109      497    12692 SH       DEFINED                 10992      500     1200
DUKE ENERGY CORP               COM              264399106      683    23444 SH       SOLE                    23444        0        0
DUKE ENERGY CORP               COM              264399106      581    19958 SH       DEFINED                 18158     1800        0
DUN & BRADSTREET CORP DEL      NEW COM          26483E100       39      600 SH       SOLE                      600        0        0
DYAX CORPORATION                                26746E103       11     2000 SH       SOLE                     2000        0        0
E M C CORPORATION                               268648102     1309   101225 SH       SOLE                    97825        0     3400
E M C CORPORATION                               268648102      956    73885 SH       DEFINED                 65385     8500        0



                                                                                              
ENSCO INTERNATIONAL INC                         26874Q100        9      200 SH       SOLE                      200        0        0
EOG RES INC                                     26875P101      267     3566 SH       DEFINED                  3566        0        0
EP MEDSYSTEMS INC                               26881P103        2     1000 SH       DEFINED                  1000        0        0
EASTMAN CHEMICAL COMPANY                        277432100       11      239 SH       DEFINED                   239        0        0
EASTMAN KODAK CO               COM              277461109       34     1436 SH       DEFINED                   783      153      500
EASYLINK SERVICES CORP CLASS A                  27784T200        0      150 SH       DEFINED                   150        0        0
EATON VANCE NJ MUN INCOME
   TRUST                       SH BEN INT       27826V106       14     1008          SOLE                        0        0     1008
EATON VANCE LIMITED DURATION                    27828H105       16      978 SH       SOLE                      978        0        0
EBAY INC                                        278642103       14      360 SH       SOLE                      360        0        0
EL PASO CORPORATION                             28336L109       22     1600 SH       SOLE                     1600        0        0
EL PASO CORPORATION                             28336L109       55     4000 SH       DEFINED                  4000        0        0
ELECTRONIC ARTS INC                             285512109        5      100 SH       SOLE                      100        0        0
ELECTRONIC DATA SYSTEMS CORP                    285661104        4      192 SH       SOLE                      192        0        0
ELECTRONIC DATA SYSTEMS CORP                    285661104        2      100 SH       DEFINED                     0      100        0
EMERSON ELEC CO                COM              291011104      276     3850 SH       SOLE                     3850        0        0
EMERSON ELEC CO                COM              291011104      793    11058 SH       DEFINED                 10558      500        0
ENBRIDGE ENERGY PARTNERS L P                    29250R106      250     4510 SH       SOLE                     4510        0        0
ENBRIDGE ENERGY PARTNERS L P                    29250R106      319     5750 SH       DEFINED                  4950      800        0
ENBRIDGE ENERGY MANAGEMENT LLC                  29250X103       12      233 SH       SOLE                      233        0        0
ENERGEN CORP                   COM              29265N108      103     2400 SH       DEFINED                  2400        0        0
ENEL SPA ADS                                    29265W108        8      200 SH       DEFINED                   200        0        0
ENERGY EAST CORP               COM              29266M109      108     4310 SH       DEFINED                  4310        0        0
ENERPLUS RESOURCES FUND
 TRUST UNITS                                    29274D604      207     4400 SH       DEFINED                     0     4400        0
ENGELHARD CORP                 COM              292845104       73     2630 SH       DEFINED                  2630        0        0
ENTERGY CORP NEW               COM              29364G103        3       49 SH       SOLE                       49        0        0
ENTERGY CORP NEW               COM              29364G103      239     3221 SH       DEFINED                  3221        0        0
ENTERPRISE PRODUCTS
  PARTNERS LP                                   293792107       63     2533 SH       SOLE                     2533        0        0
EQUIFAX, INC.                                   294429105       59     1700 SH       SOLE                     1700        0        0
EQUIFAX, INC.                                   294429105       22      650 SH       DEFINED                   650        0        0
EQUITABLE RESOURCES                             294549100       78     2000 SH       DEFINED                  2000        0        0
EQUITY INCOME FUND EXCHANGE
  SER.                         AT&T SHS 1ST     294700703       44      576 SH       DEFINED                   576        0        0
EQUITY OFFICE PPTYS TR         COM              294741103        6      190 SH       SOLE                      190        0        0
EQUITY RESIDENTIAL SBI                          29476L107       47     1250 SH       SOLE                     1250        0        0
EQUITY RESIDENTIAL SBI                          29476L107        7      200 SH       DEFINED                   200        0        0
EVERGREEN INC ADVANTAGE FUND                    30023Y105        0        9 SH       SOLE                        9        0        0
EXATECH INC                                     30064E109       14     1000 SH       DEFINED                  1000        0        0
EXELON CORP COM                                 30161N101        5      100 SH       SOLE                      100        0        0
EXELON CORP COM                                 30161N101       63     1188 SH       DEFINED                  1188        0        0
EXIDE TECHNOLOGIES WARRANTS                     302051123        0      241 SH       SOLE                      241        0        0
EXXON MOBIL CORP               COM              30231G102     8798   138476 SH       SOLE                   137174        0     1302
EXXON MOBIL CORP               COM              30231G102    14653   230621 SH       DEFINED                204958    14079    11584
FPL GROUP INC                  COM              302571104      443     9328 SH       SOLE                     9328        0        0
FPL GROUP INC                  COM              302571104      437     9200 SH       DEFINED                  9200        0        0
FEDERAL HOME LOAN MORTGAGE
  CORPORATION                  COMMON           313400301       27      490 SH       SOLE                       90        0      400
FEDERAL NATL MTG ASSN
 (D/B/A FANNIE MAE)            COM              313586109      648    14479 SH       SOLE                    14425        0       54
FEDERAL NATL MTG ASSN
 (D/B/A FANNIE MAE)            COM              313586109      533    11905 SH       DEFINED                  9455     2450        0
FEDERAL REALTY INVESTMENT
 TRUST                                          313747206       25      423 SH       DEFINED                   423        0        0
FEDERATED DEPARTMENT STORES
 INC                                            31410H101        9      135 SH       SOLE                      135        0        0
FEDERATED DEPARTMENT STORES
 INC                                            31410H101       11      177 SH       DEFINED                   177        0        0
FEDEX CORPORATION                               31428X106       43      500 SH       DEFINED                   500        0        0
FIFTH THIRD BANCORP            COM              316773100      859    23375 SH       SOLE                    23375        0        0
FIFTH THIRD BANCORP            COM              316773100      460    12530 SH       DEFINED                  9830     2700        0
FIRST ALBANY COS INC                            318465101        5      835 SH       SOLE                      835        0        0
FIRST DATA CORPORATION                          319963104      761    19028 SH       SOLE                    19028        0        0
FIRST DATA CORPORATION                          319963104       12      300 SH       DEFINED                   300        0        0
FISERV INCORPORATED            WISCONSON        337738108       55     1203 SH       SOLE                     1203        0        0
FIRSTENERGY CORP               COM              337932107        5      110 SH       SOLE                      110        0        0
FIRSTENERGY CORP               COM              337932107      119     2300 SH       DEFINED                  2300        0        0
FLAHERTY & CRUMRINE PFD SECS
 INCOME FUND                                    338478100        0       17 SH       SOLE                       17        0        0
FLOWER FOODS INC                                343498101      127     4687 SH       DEFINED                  4687        0        0



                                                                                              
FORD MOTOR CO DEL                               345370860        1      200 SH       SOLE                      200        0        0
FORDING CANADIAN COAL                           345425102       97     2289 SH       DEFINED                  2289        0        0
FOREST LABORATORIES INC                         345838106       17      450 SH       SOLE                      450        0        0
FOREST LABORATORIES INC                         345838106        5      150 SH       DEFINED                   150        0        0
FORTUNE BRANDS INC             COM              349631101     2774    34115 SH       SOLE                    34115        0        0
FORTUNE BRANDS INC             COM              349631101     1555    19130 SH       DEFINED                 15520     2985      625
FRANKLIN RESOURCES INC                          354613101       33      400 SH       SOLE                      400        0        0
FREESCALE SEMICONDUCTOR
 CLASS B                                        35687M206        1       55 SH       SOLE                       55        0        0
FREESCALE SEMICONDUCTOR
 CLASS B                                        35687M206       28     1206 SH       DEFINED                   909       33      264
GABLES RESIDENTIAL TRUST                        362418105       43     1000 SH       DEFINED                  1000        0        0
GALLAHER GROUP PLC SPONSORED 
 ADR                                            363595109       20      337 SH       DEFINED                   337        0        0
GAMESTOP CLASS B                                36466R200        9      339 SH       DEFINED                     0        0      339
GANNETT COMPANY INC                             364730101       96     1400 SH       SOLE                     1400        0        0
GANNETT COMPANY INC                             364730101       20      300 SH       DEFINED                   300        0        0
GAP INC                                         364760108        2      150 SH       SOLE                      150        0        0
GENENTECH INC                                   368710406     2831    33630 SH       SOLE                    33630        0        0
GENENTECH INC                                   368710406     2063    24505 SH       DEFINED                 21875     2030      600
GENERAL DYNAMICS CORP                           369550108       41      350 SH       SOLE                      350        0        0
GENERAL ELEC CO                COM              369604103     9888   293779 SH       SOLE                   288629        0     5150
GENERAL ELEC CO                COM              369604103     9348   277739 SH       DEFINED                250494    24245     3000
GENERAL MTRS CORP              COM              370442105       81     2678 SH       SOLE                     2678        0        0
GENERAL MTRS CORP              COM              370442105       73     2391 SH       DEFINED                  1951      440        0
GENVEC INC                                      37246C109        1      500 SH       DEFINED                   500        0        0
GEORGIA PAC CORP               COM              373298108       61     1793 SH       DEFINED                  1793        0        0
GERDAU AMERISTEEL CORP                          37373P105        5     1000 SH       DEFINED                  1000        0        0
GILLETTE COMPANY                                375766102      203     3500 SH       SOLE                     3500        0        0
GILLETTE COMPANY                                375766102      122     2100 SH       DEFINED                  2100        0        0
GLAMIS GOLD LTD                COMMON           376775102       44     2000 SH       DEFINED                     0     2000        0
GLAXO SMITHKLINE PLC
 SPONSORED ADR                                  37733W105      305     5954 SH       SOLE                     5954        0        0
GLAXO SMITHKLINE PLC
 SPONSORED ADR                                  37733W105      236     4612 SH       DEFINED                  4612        0        0
GOLDCORP INC                                    380956409       40     2000 SH       DEFINED                     0     2000        0
GOLDEN STAR RESOURCES LTD                       38119T104        9     3000 SH       DEFINED                     0     3000        0
GOLDMAN SACHS GROUP                             38141G104      109      900 SH       SOLE                      900        0        0
GOLDMAN SACHS GROUP                             38141G104      244     2010 SH       DEFINED                  2010        0        0
GREAT PLAINS ENERGY INC                         391164100        4      150 SH       SOLE                      150        0        0
GREAT PLAINS ENERGY INC                         391164100        4      150 SH       DEFINED                     0      150        0
GROUPE CGI INC                                  39945C109        1      159 SH       SOLE                      159        0        0
GUIDANT CORP                   COM              401698105      103     1508 SH       SOLE                     1508        0        0
HSBC HOLDINGS ADR                               404280406        6       86 SH       SOLE                       86        0        0
HSBC HOLDINGS ADR                               404280406        7       96 SH       DEFINED                     0       96        0
HAIN CELESTIAL GROUP INC                        405217100       12      650 SH       DEFINED                   650        0        0
HALLIBURTON CO                 COM              406216101      433     6332 SH       DEFINED                  6332        0        0
HANCOCK JOHN PATRIOT PREMIUM
  DIVIDEND FUND II                              41013T105       12     1100 SH       DEFINED                  1100        0        0
HARLEY DAVIDSON                                 412822108     1294    26730 SH       SOLE                    25630        0     1100
HARLEY DAVIDSON                                 412822108      556    11500 SH       DEFINED                 10625      875        0
HARRAHS ENTERTAINMENT INC                       413619107        1       22 SH       SOLE                       22        0        0
HARRAHS ENTERTAINMENT INC                       413619107       14      221 SH       DEFINED                   221        0        0
HARRIS CORP                                     413875105       33      800 SH       DEFINED                   800        0        0
HARTFORD FINL SVCS GROUP INC   COM              416515104       88     1150 SH       SOLE                     1150        0        0
HARTFORD FINL SVCS GROUP INC   COM              416515104       85     1112 SH       DEFINED                  1112        0        0
HAWAIIAN ELECTRIC INDUSTRIES
 INC                                            419870100       27     1000 SH       SOLE                     1000        0        0
H.J. HEINZ COMPANY                              423074103        7      200 SH       SOLE                        0        0      200
H.J. HEINZ COMPANY                              423074103       24      675 SH       DEFINED                   675        0        0
HERSHEY CO                     COM              427866108      294     5230 SH       SOLE                     5230        0        0
HERSHEY CO                     COM              427866108      620    11025 SH       DEFINED                  8525     1300     1200
HEWLETT PACKARD CO             COM              428236103      157     5377 SH       DEFINED                  2652     1525     1200
HOME DEPOT, INC                                 437076102     2597    68111 SH       SOLE                    66411        0     1700
HOME DEPOT, INC                                 437076102     2497    65506 SH       DEFINED                 60717     3639     1150
HONEYWELL INTERNATIONAL INC    COM              438516106       93     2494 SH       SOLE                     2494        0        0
HONEYWELL INTERNATIONAL INC    COM              438516106      234     6258 SH       DEFINED                  5458      800        0



                                                                                              
HOSPITALITY PROPERTIES TRUST                    44106M102      370     8655 SH       SOLE                     8655        0        0
HOSPITALITY PROPERTIES TRUST                    44106M102      269     6295 SH       DEFINED                  5395      900        0
HOSPIRA INC                                     441060100        7      195 SH       DEFINED                   195        0        0
HUDSON CITY BANCORP                             443683107       46     3928 SH       SOLE                     3928        0        0
HUDSON CITY BANCORP                             443683107      100     8412 SH       DEFINED                  8412        0        0
ING CLARION GLOBAL REAL ESTATE                  44982G104       11      700 SH       SOLE                      700        0        0
IMS HEALTH INCORPORATED                         449934108       66     2632 SH       DEFINED                  2632        0        0
ITT INDUSTRIES INC             COM              450911102       62      550 SH       SOLE                      550        0        0
ITT INDUSTRIES INC             COM              450911102      119     1056 SH       DEFINED                  1056        0        0
ICON PUB LTD CO                                 45103T107       50     1000 SH       DEFINED                  1000        0        0
IDACORP INC                    COM              451107106        9      300 SH       SOLE                      300        0        0
IDACORP INC                    COM              451107106      122     4066 SH       DEFINED                  4066        0        0
ILLINOIS TOOL WORKS INC        COM              452308109       29      361 SH       DEFINED                   361        0        0
IMATION CORP                   COM              45245A107        5      126 SH       DEFINED                   126        0        0
IMAGISTICS INTERNATIONAL INC                    45247T104        1       42 SH       DEFINED                    42        0        0
INDYMAC BANCORP INC                             456607100       39     1000 SH       DEFINED                  1000        0        0
INLAND REAL ESTATE CORPORATION                  457461200       23     1500 SH       SOLE                     1500        0        0
INTEL CORP                     COM              458140100     2556   103766 SH       SOLE                   101316        0     2450
INTEL CORP                     COM              458140100     1739    70595 SH       DEFINED                 64410     6185        0
INTL BUSINESS MACHINE CORP     COMMON           459200101     2121    26440 SH       SOLE                    26340        0      100
INTL BUSINESS MACHINE CORP     COMMON           459200101     3842    47895 SH       DEFINED                 43039     3256     1600
INTL PAPER CO                  COM              460146103       53     1800 SH       DEFINED                  1800        0        0
INTEVAC INC                                     461148108       34     3300 SH       DEFINED                     0     3300        0
INTUIT                                          461202103       26      600 SH       DEFINED                   100      500        0
INVITROGEN CORP                                 46185R100       51      683 SH       DEFINED                   683        0        0
I SHARES TR DOW JONES SELECT
 DIV INDEX FD                                   464287168        6      100 SH       SOLE                      100        0        0
ISHARES TR S&P 500 INDEX FUND                   464287200       66      544 SH       SOLE                      544        0        0
ISHARES TR S&P 500 INDEX FUND                   464287200       12      100 SH       DEFINED                   100        0        0
I SHARES EAFE INDEX FUND                        464287465       45      778 SH       SOLE                      778        0        0
I SHARES EAFE INDEX FUND                        464287465       26      450 SH       DEFINED                   450        0        0
I SHARES TR S&P MIDCAP 400
  INDEX FD                                      464287507       48      670 SH       SOLE                      340        0      330
I SHARES TR S&P MIDCAP 400
  INDEX FD                                      464287507       45      640 SH       DEFINED                   640        0        0
ISHARES TR COHEN & STEERS
  REALTY MAJORS INDEX FD                        464287564        7       98 SH       SOLE                       98        0        0
I SHARES RUSSELL 1000 VALUE                     464287598       22      320 SH       SOLE                      320        0        0
I SHARES RUSSELL 1000 VALUE                     464287598       10      150 SH       DEFINED                   150        0        0
I SHARES TR S&P MIDCAP 400
  BARRA GRWTH INDEX FD                          464287606       11      160 SH       SOLE                      160        0        0
I SHARES RUSSELL 1000 GROWTH                    464287614       24      495 SH       SOLE                      495        0        0
I SHARES RUSSELL 1000 GROWTH                    464287614       17      360 SH       DEFINED                   360        0        0
ISHARES TR RUSSELL 2000 INDEX FUND              464287655       39      600 SH       SOLE                      600        0        0
I SHARES TR DOW JONES US INDL SECTOR
 INDEX FD                                       464287754       35      645 SH       SOLE                      245        0      400
I SHARES TR DOW JONES US INDL SECTOR
 INDEX FD                                       464287754       13      235 SH       DEFINED                   235        0        0
I SHARES TR S & P SMALLCAP
 600/BARRA VAL INDEX                            464287879        6      100 SH       SOLE                      100        0        0
I SHARES TR S&P SMALLCAP 600
 BARRA GRWTH INDEX FD                           464287887       12      110 SH       SOLE                      110        0        0
J P MORGAN CHASE & CO                           46625H100     1197    35289 SH       SOLE                    35289        0        0
J P MORGAN CHASE & CO                           46625H100     1835    54106 SH       DEFINED                 49381     4725        0
JARDEN CORP                                     471109108     1126    27425 SH       SOLE                    27425        0        0
JARDEN CORP                                     471109108      585    14250 SH       DEFINED                 13050      750      450
JEFFERSON PILOT CORPORATION                     475070108       43      859 SH       SOLE                      859        0        0
JEFFERSON PILOT CORPORATION                     475070108       43      859 SH       DEFINED                   859        0        0
JETBLUE AIRWAYS                                 477143101        5      300 SH       DEFINED                   300        0        0
JOHNSON & JOHNSON              COM              478160104     5793    91564 SH       SOLE                    88922        0     2642
JOHNSON & JOHNSON              COM              478160104     8508   134484 SH       DEFINED                120434    12025     2025
JOHNSON CTLS INC               COM              478366107       37      600 SH       SOLE                      600        0        0
JOHNSON CTLS INC               COM              478366107      223     3600 SH       DEFINED                  3600        0        0
JUNIPER NETWORKS                                48203R104        2      100 SH       SOLE                      100        0        0
KADANT INC                                      48282T104        1       69 SH       DEFINED                    69        0        0
KANBAY INTERNATIONAL, INC                       48369P207     1052    56000 SH       SOLE                    56000        0        0
KANBAY INTERNATIONAL, INC                       48369P207      238    12672 SH       DEFINED                 12672        0        0
KELLOGG COMPANY                                 487836108        9      200 SH       DEFINED                     0      200        0
KEMET CORP                                      488360108        8     1000 SH       DEFINED                  1000        0        0



                                                                                              
KERR MCGEE CORP                                 492386107        1       18 SH       DEFINED                    18        0        0
KEYCORP                                         493267108       16      500 SH       DEFINED                   300      200        0
KEYSPAN CORP                   COM              49337W100       49     1341 SH       DEFINED                  1341        0        0
KIMBERLY-CLARK CORPORATION                      494368103      132     2224 SH       SOLE                     2224        0        0
KIMBERLY-CLARK CORPORATION                      494368103      172     2900 SH       DEFINED                  2900        0        0
KIMCO REALTY CORPORATION                        49446R109      507    16150 SH       SOLE                    16150        0        0
KIMCO REALTY CORPORATION                        49446R109      477    15200 SH       DEFINED                 11900     3300        0
KINDER MORGAN ENERGY
 PARTNERS L P                                   494550106      124     2350 SH       SOLE                     1750        0      600
KINDER MORGAN ENERGY
 PARTNERS L P                                   494550106      227     4300 SH       DEFINED                  4300        0        0
KINROSS GOLD CORP COM NO PAR                    496902404       10     1333 SH       DEFINED                     0     1333        0
KNIGHT-RIDDER INC                               499040103       86     1475 SH       SOLE                     1475        0        0
KNIGHT-RIDDER INC                               499040103      338     5775 SH       DEFINED                  3850     1050      875
KNOLOGY INC COM                                 499183804        5     2000 SH       DEFINED                  2000        0        0
KRAFT FOODS INC                                 50075N104       30     1000 SH       DEFINED                  1000        0        0
KRISPY KREME DOUGHNUTS                          501014104        1      300 SH       DEFINED                   300        0        0
KROGER COMPANY                 COM              501044101        8      400 SH       DEFINED                   400        0        0
LSI LOGIC CORPORATION                           502161102        1      150 SH       SOLE                      150        0        0
L-3 COMMUNICATIONS HLDGS INC                    502424104     2624    33194 SH       SOLE                    33094        0      100
L-3 COMMUNICATIONS HLDGS INC                    502424104     2180    27580 SH       DEFINED                 22760     3795     1025
LAM RESH CORP                                   512807108        6      200 SH       DEFINED                     0      200        0
LEAP FROG                                       52186N106        5      400 SH       DEFINED                   400        0        0
LEHMAN BROTHERS HOLDINGS INC                    524908100       27      232 SH       SOLE                      232        0        0
LENNAR CORP                                     526057104      119     2000 SH       DEFINED                  2000        0        0
LENNAR CORPORATION CLASS B     COMMON           526057302       11      200 SH       DEFINED                   200        0        0
LILLY ELI & CO                 COM              532457108      205     3847 SH       SOLE                     3847        0        0
LILLY ELI & CO                 COM              532457108      531     9931 SH       DEFINED                  9031      500      400
LINCOLN NATIONAL CORP                           534187109       83     1600 SH       SOLE                     1600        0        0
LINEAR TECHNOLOGY CORP                          535678106        7      200 SH       DEFINED                     0      200        0
LLOYDS TSB GROUP ADR                            539439109       13      400 SH       DEFINED                   400        0        0
LOCKHEED MARTIN CORP                            539830109      389     6382 SH       SOLE                     6382        0        0
LOCKHEED MARTIN CORP                            539830109        6      100 SH       DEFINED                   100        0        0
LOWES COMPANIES INC                             548661107     1159    17999 SH       SOLE                    17999        0        0
LOWES COMPANIES INC                             548661107      615     9550 SH       DEFINED                  8850      700        0
LUBRIZOL CORP                  COM              549271104       43     1000 SH       DEFINED                  1000        0        0
LUCENT TECHNOLOGY INC                           549463107       24     7633 SH       SOLE                     7633        0        0
LUCENT TECHNOLOGY INC                           549463107       58    18131 SH       DEFINED                 17531      600        0
LYONDELL CHEMICAL COMPANY                       552078107        8      300 SH       DEFINED                   300        0        0
MBIA, INC                                       55262C100     1609    26555 SH       SOLE                    26555        0        0
MBIA, INC                                       55262C100     1431    23625 SH       DEFINED                 21125     1100     1400
MBNA CORPORATION                                55262L100       36     1475 SH       SOLE                     1475        0        0
MFS CHARTER INCOME TRUST                        552727109       46     5350 SH       SOLE                     5350        0        0
MFS CHARTER INCOME TRUST                        552727109       13     1500 SH       DEFINED                  1500        0        0
MGI PHARMACEUTICALS                             552880106        4      200 SH       DEFINED                   200        0        0
MACK-CALI REALTY CORP                           554489104       17      400 SH       SOLE                      400        0        0
MANULIFE FINANCIAL CORP                         56501R106       57     1082 SH       DEFINED                  1082        0        0
MARATHON OIL CORP                               565849106      225     3273 SH       DEFINED                  3273        0        0
MARSHALL & ILSLEY CORP                          571834100      342     7865 SH       SOLE                     7365        0      500
MARSHALL & ILSLEY CORP                          571834100      269     6200 SH       DEFINED                  6200        0        0
MARRIOTT INTERNATIONAL-A                        571903202     1283    20380 SH       SOLE                    20380        0        0
MARRIOTT INTERNATIONAL-A                        571903202     1000    15875 SH       DEFINED                 14275     1600        0
MASCO CORPORATION                               574599106        3      100 SH       DEFINED                     0      100        0
MASSMUTUAL PARTN INVS SH BEN   INT              576299101       74     5200 SH       SOLE                     5200        0        0
MATTEL INC                     COM              577081102        3      200 SH       SOLE                      200        0        0
MAXIM INTERGRATED PRODUCTS INC                  57772K101        2       50 SH       SOLE                       50        0        0
MAYTAG CORPORATION                              578592107        9      500 SH       SOLE                      500        0        0
MAYTAG CORPORATION                              578592107        7      425 SH       DEFINED                   425        0        0
MCCLATCHY COMPANY                               579489105       65     1000 SH       SOLE                     1000        0        0
MCCLATCHY COMPANY                               579489105      146     2250 SH       DEFINED                  2250        0        0
MCCORMICK & CO INC             COMMON
                                 NON-VOTING     579780206     1981    60720 SH       SOLE                    60620        0      100
MCCORMICK & CO INC             COMMON
                                 NON-VOTING     579780206     1766    54125 SH       DEFINED                 52250     1275      600



                                                                                              
MCDERMOTT ITL INC                               580037109       36     1000 SH       DEFINED                     0     1000        0
MCDONALDS CORP                 COM              580135101        3      100 SH       SOLE                      100        0        0
MCDONALDS CORP                 COM              580135101      107     3200 SH       DEFINED                  2200     1000        0
MCGRAW HILL COMPANIES INC                       580645109        7      150 SH       SOLE                      150        0        0
MCGRAW HILL COMPANIES INC                       580645109      171     3560 SH       DEFINED                  3360      200        0
MCKESSON CORPORATION                            58155Q103        7      148 SH       DEFINED                   148        0        0
MEADWESTVACO CORP                               583334107       60     2180 SH       DEFINED                  1000     1180        0
MEDAREX INC                                     583916101        3      400 SH       DEFINED                   400        0        0
MEDCO HEALTH SOLUTIONS                          58405U102        2       47 SH       SOLE                       47        0        0
MEDCO HEALTH SOLUTIONS                          58405U102       96     1762 SH       DEFINED                  1738       24        0
MEDTRONIC INC                                   585055106       31      595 SH       SOLE                      595        0        0
MEDTRONIC INC                                   585055106      189     3540 SH       DEFINED                  2940      600        0
MELLON FINANCIAL CORP          COM              58551A108       14      468 SH       SOLE                        0        0      468
MELLON FINANCIAL CORP          COM              58551A108       31     1000 SH       DEFINED                  1000        0        0
MERCANTILE BANKSHARES CORP     COM              587405101       21      400 SH       DEFINED                   400        0        0
MERCK & CO INC                 COM              589331107      165     6094 SH       SOLE                     6094        0        0
MERCK & CO INC                 COM              589331107      911    33507 SH       DEFINED                 32007     1200      300
MERCURY INTERACTIVE CORP                        589405109       11      300 SH       DEFINED                   300        0        0
MERRILL LYNCH & CO INC                          590188108      159     2600 SH       DEFINED                  2600        0        0
METLIFE INC                                     59156R108       25      518 SH       SOLE                      518        0        0
METLIFE INC                                     59156R108       49     1000 SH       DEFINED                  1000        0        0
MICROSOFT CORP                                  594918104     1558    60614 SH       SOLE                    60614        0        0
MICROSOFT CORP                                  594918104     1488    57887 SH       DEFINED                 50600     5337     1950
MID PENN BANCORP                                59540G107        2      100 SH       SOLE                      100        0        0
S&P DEPOSITORY RECEIPT         MIDCAP TR UNIT   595635103      113      870 SH       SOLE                      870        0        0
S&P DEPOSITORY RECEIPT         MIDCAP TR UNIT   595635103       34      260 SH       DEFINED                   260        0        0
MIDDLESEX WATER CO             COM              596680108       89     4000 SH       DEFINED                  4000        0        0
MILLENNIUM PHARMACEUTICALS                      599902103        7      800 SH       DEFINED                   800        0        0
MIPS TECHNOLOGIES INC CLASS A                   604567107        0       27 SH       DEFINED                    27        0        0
MONSANTO CO NEW                                 61166W101        1       25 SH       SOLE                       25        0        0
MONSANTO CO NEW                                 61166W101       12      207 SH       DEFINED                   207        0        0
MOODYS CORP                                     615369105       61     1200 SH       SOLE                     1200        0        0
MORGAN STANLEY COMPANY                          617446448      774    14370 SH       SOLE                    14370        0        0
MORGAN STANLEY COMPANY                          617446448      488     9049 SH       DEFINED                  9049        0        0
MOTOROLA,INC                                    620076109        8      400 SH       SOLE                      400        0        0
MOTOROLA,INC                                    620076109      260    11850 SH       DEFINED                  8850      600     2400
MUNIHOLDING NY INSD FUND INC                    625931100       18     1253          DEFINED                  1253        0        0
MUNIHOLDINGS NEW JERSEY 
 INSD  FUND INC                                 625936109      113     7200          DEFINED                  7200        0        0
MURPHY OIL CORPORATION                          626717102      199     4000 SH       DEFINED                  4000        0        0
NCR CORP                       NEW              62886E108        5      188 SH       SOLE                      188        0        0
NCR CORP                       NEW              62886E108        0       14 SH       DEFINED                    14        0        0
NASDAQ 100 TRUST UNIT SER 1                     631100104       23      585 SH       SOLE                      585        0        0
NASDAQ 100 TRUST UNIT SER 1                     631100104        3      100 SH       DEFINED                   100        0        0
NASTECH PHARMACETICAL                           631728409        7      500 SH       DEFINED                   500        0        0
NATIONAL CITY CORP                              635405103       33     1000 SH       SOLE                     1000        0        0
NATIONAL CITY CORP                              635405103       45     1350 SH       DEFINED                     0     1350        0
NATIONAL FUEL GAS CO N J       COM              636180101       27      800 SH       SOLE                      800        0        0
NATIONAL FUEL GAS CO N J       COM              636180101       95     2792 SH       DEFINED                  2792        0        0
NAUTILUS INC                                    63910B102       22     1000 SH       DEFINED                  1000        0        0
NEORX CORPORATION                               640520300        0       50 SH       DEFINED                    50        0        0
NETWORK APPLIANCE INC                           64120L104        8      350 SH       SOLE                      350        0        0
NEW JERSEY RESOURCES
 CORPORATION                                    646025106      106     2314 SH       SOLE                     2314        0        0
NEW PLAN EXCEL RLTY TR INC     COM              648053106       34     1500 SH       DEFINED                   400     1100        0
NEWMONT MINING CORP                             651639106      193     4100 SH       DEFINED                  1200     2200      700
NEWS CORP CLASS A                               65248E104        0       32 SH       SOLE                       32        0        0
NEWS CORP CLASS A                               65248E104        3      242 SH       DEFINED                   240        2        0
NEWS CORP CLASS B                               65248E203       19     1200 SH       DEFINED                  1200        0        0
NEWTEK BUSINESS SERVICES INC   COM              652526104        4     2000 SH       DEFINED                  2000        0        0
NICOR INC                      COM              654086107       16      400 SH       SOLE                      400        0        0
NIKE INC                       CL B             654106103        3       40 SH       SOLE                       40        0        0



                                                                                              
NIKE INC                       CL B             654106103        8      100 SH       DEFINED                     0      100        0
NISOURCE INC                   COM              65473P105       12      517 SH       SOLE                      517        0        0
NISOURCE INC                   COM              65473P105       48     2000 SH       DEFINED                  2000        0        0
NOBEL LEARNING COMMUNITIES INC                  654889104       37     4000 SH       DEFINED                  4000        0        0
NOKIA CORPORATION  ADR                          654902204      231    13680 SH       SOLE                    13680        0        0
NOKIA CORPORATION  ADR                          654902204       36     2150 SH       DEFINED                  1550        0      600
NORAM ENERGY CORP SUB DEB      CONV 6% 3/15/12  655419AC3       23    23300 PRN      DEFINED                 23300        0        0
NORDSON CORP                                    655663102       11      300 SH       DEFINED                   300        0        0
NORDSTROM, INC.                                 655664100       17      500 SH       DEFINED                     0      500        0
NORFOLK SOUTHERN CORP          COM              655844108      191     4730 SH       SOLE                     4730        0        0
NORFOLK SOUTHERN CORP          COM              655844108      205     5060 SH       DEFINED                  4700      360        0
NORTEL NETWORKS CORP NEW                        656568102        9     3000 SH       DEFINED                  3000        0        0
NORTH EUROPEAN OIL ROYALTY
  TRUST BEN. INTEREST                           659310106       24      800 SH       SOLE                      800        0        0
NORTHERN BORDER PARTNERS L P
 UNIT LTD PARTN                                 664785102       70     1475 SH       SOLE                     1475        0        0
NORTHERN BORDER PARTNERS L P
 UNIT LTD PARTN                                 664785102       62     1300 SH       DEFINED                  1300        0        0
NORTHERN TRUST CORP                             665859104       10      200 SH       SOLE                      200        0        0
NORTHROP GRUMMAN CORP                           666807102       21      400 SH       SOLE                      400        0        0
NORTHROP GRUMMAN CORP                           666807102        8      158 SH       DEFINED                   158        0        0
NORTHSTAR REALTY                                66704R100        9     1000 SH       SOLE                     1000        0        0
NOVARTIS AG ADRS                                66987V109       18      355 SH       SOLE                      355        0        0
NOVARTIS AG ADRS                                66987V109        5      100 SH       DEFINED                   100        0        0
NUVEEN PFD & CONV INCOME
 FUND 2                                         67073D102       25     2000 SH       SOLE                     2000        0        0
OGE ENERGY CO.                                  670837103       56     2000 SH       SOLE                     2000        0        0
OGE ENERGY CO.                                  670837103       11      400 SH       DEFINED                   400        0        0
NUVEEN INVTS INC                                67090F106        3      100 SH       DEFINED                     0      100        0
NUVEEN NJ INVT QUALITY MUN
  FUND                         COM              670971100      117     7658          SOLE                     7658        0        0
NUVEEN NJ INVT QUALITY MUN
  FUND                         COM              670971100       33     2190          DEFINED                  2190        0        0
NUVEEN INSD MUNICIPAL
 OPPORTUNITY FUND INC                           670984103       60     4070          SOLE                     4070        0        0
NUVEEN INSD MUNICIPAL
 OPPORTUNITY FUND INC                           670984103       47     3200          DEFINED                  3200        0        0
NUVEEN PREMIER INSURED
 MUNICIPAL INCOME FUND                          670987106       25     1650          DEFINED                  1650        0        0
NUVEEN NJ PREMIUM INCOME                        67101N106       22     1493          SOLE                     1493        0        0
OSI PHARMACEUTICALS INC.       COM              671040103        1       64 SH       DEFINED                    64        0        0
OCCIDENTAL PETE CORP DEL       COM              674599105       46      550 SH       SOLE                      550        0        0
OCCIDENTAL PETE CORP DEL       COM              674599105       42      498 SH       DEFINED                   498        0        0
OFFICEMAX INC DEL                               67622P101       13      437 SH       DEFINED                   437        0        0
ONEOK INC NEW                  COM              682680103      136     4000 SH       DEFINED                  4000        0        0
ORACLE CORPORATION                              68389X105       91     7397 SH       SOLE                     7397        0        0
ORACLE CORPORATION                              68389X105      193    15600 SH       DEFINED                 11700      300     3600
PG&E CORP                      COM              69331C108       15      400 SH       DEFINED                   400        0        0
PHH CORPORATION COM                             693320202        0       21 SH       SOLE                       21        0        0
PHH CORPORATION COM                             693320202        0       10 SH       DEFINED                    10        0        0
PNC FINANCIAL SERVICES GROUP   COM              693475105      378     6518 SH       SOLE                     1750        0     4768
PNC FINANCIAL SERVICES GROUP   COM              693475105      689    11889 SH       DEFINED                  5556     6333        0
PPG INDS INC                   COM              693506107     1465    24765 SH       SOLE                    24725        0       40
PPG INDS INC                   COM              693506107     1180    19945 SH       DEFINED                 17170     2100      675
PPL CORP                                        69351T106       12      400 SH       SOLE                      400        0        0
PPL CORP                                        69351T106       38     1200 SH       DEFINED                   800      400        0
PACCAR INC                     COM              693718108       83     1237 SH       DEFINED                  1237        0        0
PACTIV CORP                    COM              695257105        1       64 SH       SOLE                       64        0        0
PALM INC NEW COM                                696643105        0       18 SH       SOLE                       18        0        0
PARKER DRILLING CO             COM              701081101        2      300 SH       SOLE                      300        0        0
PAXAR CORP                                      704227107        1      100 SH       SOLE                      100        0        0
PEABODY ENERGY CORP                             704549104     3882    46030 SH       SOLE                    46030        0        0
PEABODY ENERGY CORP                             704549104     2649    31410 SH       DEFINED                 26200     4210     1000
PEAPACK-GLADSTONE FINANCIAL
 CORPORATION                                    704699107     9802   357355 SH       SOLE                   354449        0     2906
PEAPACK-GLADSTONE FINANCIAL
 CORPORATION                                    704699107    19306   703832 SH       DEFINED                558049   145129      654
PENGROWTH ENERGY TRUST CLASS A                  706902301       50     2000 SH       SOLE                     2000        0        0
PENN VA RESOURCE PARTNERS LP                    707884102       96     1800 SH       SOLE                     1800        0        0
PENN VA RESOURCE PARTNERS LP                    707884102      163     3050 SH       DEFINED                  3050        0        0
J.C.PENNEY CO.,INC.                             708160106       75     1601 SH       DEFINED                  1601        0        0



                                                                                              
PEOPLES ENERGY CORPORATION                      711030106       52     1333 SH       DEFINED                  1333        0        0
PEPCO HOLDINGS INC COM                          713291102       91     3923 SH       DEFINED                  3923        0        0
PEPSICO INC                    COM              713448108     4012    70771 SH       SOLE                    69246        0     1525
PEPSICO INC                    COM              713448108     2705    47711 SH       DEFINED                 44386     2825      500
PEREGRINE PHARMACEUTICALS INC                   713661106        0      100 SH       DEFINED                   100        0        0
PERKINELMER INC                COM              714046109       94     4628 SH       DEFINED                     0     4628        0
PETRO CANADA                                    71644E102        4      100 SH       SOLE                      100        0        0
PETROCHINA ADR                                  71646E100       12      150 SH       DEFINED                   150        0        0
PETROFUND ENERGY TRUST                          71648W108       14      750 SH       DEFINED                   750        0        0
PETROLEUM & RESOURCES
 CORPORATION                                    716549100       17      500 SH       DEFINED                   500        0        0
PFIZER INC                     COM              717081103     2909   116571 SH       SOLE                   113045        0     3526
PFIZER INC                     COM              717081103     2284    91528 SH       DEFINED                 83513     6465     1550
THE PHOENIX COMPANIES,INC.                      71902E109       55     4553 SH       SOLE                     1124        0     3429
PHOTOMEDEX INC                                  719358103       10     5000 SH       SOLE                     5000        0        0
PIEDMONT NATURAL GAS CO COM                     720186105       22      900 SH       SOLE                        0        0      900
PIMCO MUNICIPAL INCOME FUND II                  72200W106       61     4000          DEFINED                     0     4000        0
PIPER JAFFRAY COMPANIES                         724078100        0        6 SH       SOLE                        6        0        0
PITNEY BOWES INC               COM              724479100       35      850 SH       SOLE                      450        0      400
PITNEY BOWES INC               COM              724479100       70     1682 SH       DEFINED                  1682        0        0
PLACER DOME INC                COM              725906101       47     2800 SH       SOLE                     2800        0        0
PLACER DOME INC                COM              725906101       22     1300 SH       DEFINED                     0     1300        0
PLAINS EXPLORATION &
 PRODUCTION CORP                                726505100       20      490 SH       DEFINED                   490        0        0
PLUM CREEK TIMBER CO INC       COM              729251108       21      575 SH       DEFINED                   575        0        0
PRIMEWEST ENERGY TRUST                          741930309       31     1000 SH       SOLE                     1000        0        0
PROCTER & GAMBLE CO            COM              742718109     5371    90348 SH       SOLE                    89223        0     1125
PROCTER & GAMBLE CO            COM              742718109     4471    75215 SH       DEFINED                 65370     7845     2000
PROGRESS ENERGY INC COM                         743263105        8      200 SH       SOLE                      200        0        0
PROLOGIS TRUST                                  743410102     1527    34475 SH       SOLE                    34475        0        0
PROLOGIS TRUST                                  743410102     1562    35270 SH       DEFINED                 32350     2920        0
PROTECTIVE LIFE CORP                            743674103       24      596 SH       SOLE                      596        0        0
PROTEIN DESIGN LABS INC                         74369L103      639    22853 SH       SOLE                    22853        0        0
PROVIDENT ENERGY TR            UNIT             74386K104      102     8400 SH       DEFINED                     0     8400        0
PRUDENTIAL FINANCIAL INC                        744320102      145     2158 SH       SOLE                     1420        0      738
PRUDENTIAL FINANCIAL INC                        744320102       24      369 SH       DEFINED                     0      369        0
PUBLIC SERVICE ENTERPRISE
 GROUP, INC.                                    744573106     1184    18406 SH       SOLE                    18050        0      356
PUBLIC SERVICE ENTERPRISE
 GROUP, INC.                                    744573106     1468    22810 SH       DEFINED                 21416     1394        0
PUGET ENERGY INC NEW                            745310102        2       99 SH       SOLE                       99        0        0
PUTNAM HIGH YIELD
 MUNICIPAL TRUST                                746781103       34     5000          DEFINED                  5000        0        0
QLOGIC CORP                                     747277101       23      700 SH       DEFINED                   700        0        0
QUALCOMM INC                                    747525103     2167    48430 SH       SOLE                    47230        0     1200
QUALCOMM INC                                    747525103      570    12750 SH       DEFINED                 11900      850        0
QUEST DIAGNOSTICS INC          COM              74834L100     3440    68079 SH       SOLE                    66725        0     1354
QUEST DIAGNOSTICS INC          COM              74834L100     1993    39450 SH       DEFINED                 35705     1745     2000
QUESTAR CORP                                    748356102       83      950 SH       DEFINED                   950        0        0
QWEST COMMUNICATIONS INT'L                      749121109        1      317 SH       DEFINED                   317        0        0
QUOVADX INC                                     74913K106        6     2000 SH       DEFINED                  2000        0        0
RAINING DATA CORP                               75087R108       18     4900 SH       DEFINED                  4900        0        0
RAMTRON INTL CORP              COM NEW          751907304        0      282 SH       DEFINED                   282        0        0
RANGE RES CORP                                  75281A109       19      500 SH       DEFINED                   500        0        0
RAYONIER INC                   COM              754907103       21      377 SH       SOLE                      377        0        0
RAYTHEON CO                                     755111507       38     1000 SH       SOLE                     1000        0        0
RAYTHEON CO                                     755111507      174     4600 SH       DEFINED                  4600        0        0
REAVES UTIL INCOME FUND                         756158101       10      500 SH       SOLE                      500        0        0
RED HAT INC                    COM              756577102        0       30 SH       DEFINED                    30        0        0
ROCKWELL AUTOMATION INC                         773903109      281     5317 SH       SOLE                     5317        0        0
ROCKWELL AUTOMATION INC                         773903109      161     3050 SH       DEFINED                  2300      750        0
ROCKWELL COLLINS INC                            774341101       17      367 SH       SOLE                      367        0        0
ROGERS COMMUNICATION INC.      CL.B NON VOTING  775109200      276     7000 SH       SOLE                     7000        0        0
ROHM & HAAS COMPANY                             775371107       20      500 SH       DEFINED                     0      500        0
ROPER INDUSTRIES INC                            776696106       23      600 SH       DEFINED                     0      600        0



                                                                                              
ROYAL BANK OF SCOTLAND 
 GROUP PLC                     SER D            780097606       31     1200 SH       DEFINED                  1200        0        0
ROYAL BK SCOTLD GROUP PLC      SPONS'D ADR
                                SER L PFD       780097788       38     1600 SH       SOLE                     1600        0        0
ROYAL BK SCOTLD GROUP PLC      SPONS'D ADR 
                                SER L PFD       780097788       96     4000 SH       DEFINED                  4000        0        0
ROYAL DUTCH PETE CO            SH PAR N GLDR    780257804        6      100 SH       SOLE                      100        0        0
ROYAL DUTCH SHELL PLC  CLASS B                  780259107       53      775 SH       SOLE                      775        0        0
ROYAL DUTCH SHELL PLC  CLASS A                  780259206       49      750 SH       SOLE                      750        0        0
ROYAL DUTCH SHELL PLC  CLASS A                  780259206      881    13438 SH       DEFINED                 13438        0        0
RUBY TUESDAY INC.                               781182100       14      656 SH       DEFINED                   656        0        0
SBC COMMUNICATIONS INC                          78387G103      334    13962 SH       SOLE                    13962        0        0
SBC COMMUNICATIONS INC                          78387G103      587    24511 SH       DEFINED                 22511        0     2000
SCOLR PHARMA INC                                78402X107        6     1500 SH       DEFINED                  1500        0        0
SLM CORP                                        78442P106      395     7375 SH       SOLE                     7375        0        0
SLM CORP                                        78442P106      160     3000 SH       DEFINED                  3000        0        0
STANDARD & POORS DEPOSITORY
 RECEIPTS                                       78462F103      441     3586 SH       SOLE                     3286        0      300
STANDARD & POORS DEPOSITORY
 RECEIPTS                                       78462F103      101      824 SH       DEFINED                   490      334        0
SAFEGUARD SCIENTIFIC INC.COM                    786449108        3     2000 SH       DEFINED                  2000        0        0
SAFEWAY INC                                     786514208        5      200 SH       DEFINED                   200        0        0
THE ST. PAUL TRAVELERS
 COMPANIES INC.                                 792860108        6      142 SH       SOLE                      142        0        0
THE ST. PAUL TRAVELERS
 COMPANIES INC.                                 792860108      111     2493 SH       DEFINED                  2483       10        0
THE SALOMON BROTHERS FUND
 INC                                            795477108       16     1175 SH       DEFINED                  1175        0        0
SARA LEE CORP                  COM              803111103      151     8000 SH       SOLE                     8000        0        0
SARA LEE CORP                  COM              803111103       18     1000 SH       DEFINED                  1000        0        0
SCANA CORP NEW                                  80589M102      152     3600 SH       DEFINED                  3600        0        0
HENRY SCHEIN, INC              COM              806407102       25      600 SH       DEFINED                   600        0        0
SCHERING PLOUGH CORP           COM              806605101      135     6459 SH       SOLE                     6459        0        0
SCHERING PLOUGH CORP           COM              806605101      132     6319 SH       DEFINED                  6319        0        0
SCHERING-PLOUGH MANDATORY      CONV PREF        806605606      737    13600 SH       SOLE                    13600        0        0
SCHERING-PLOUGH MANDATORY      CONV PREF        806605606      230     4250 SH       DEFINED                  4150      100        0
SCHLUMBERGER LTD               COM              806857108      370     4389 SH       SOLE                     3739        0      650
SCHLUMBERGER LTD               COM              806857108      630     7478 SH       DEFINED                  7478        0        0
THE E.W. SCRIPPS COMPANY       COM              811054204       14      300 SH       DEFINED                     0      300        0
SEA CONTAINERS LTD             CLASS A COMMON   811371707        1      100 SH       DEFINED                   100        0        0
SEALED AIR CORP NEW            COM              81211K100      423     8925 SH       SOLE                     8925        0        0
SEALED AIR CORP NEW            COM              81211K100      217     4578 SH       DEFINED                  4428      150        0
SELECTIVE INS. GROUP INC.                       816300107      464     9500 SH       SOLE                     9500        0        0
SEMPRA ENERGY                  COM              816851109      169     3600 SH       DEFINED                  3600        0        0
THE SHERWIN-WILLIAMS COMPANY                    824348106       21      481 SH       DEFINED                   481        0        0
SIEMENS AG SPONSORED ADR                        826197501       32      425 SH       SOLE                      425        0        0
SIGMA-ALDRICH CORP                              826552101       38      600 SH       SOLE                      600        0        0
SILICON GRAPHICS INC                            827056102        0      200 SH       DEFINED                   200        0        0
SIMON PPTY GROUP INC NEW       COM              828806109     2214    29876 SH       SOLE                    29476        0      400
SIMON PPTY GROUP INC NEW       COM              828806109     2074    27990 SH       DEFINED                 26355     1635        0
SIRIUS SATELLITE RADIO INC                      82966U103        3      500 SH       SOLE                      500        0        0
SIRIUS SATELLITE RADIO INC                      82966U103       13     2100 SH       DEFINED                  2100        0        0
J. M. SMUCKER CO                                832696405       32      660 SH       SOLE                      660        0        0
J. M. SMUCKER CO                                832696405       72     1500 SH       DEFINED                  1500        0        0
SONIC CORP                                      835451105       28     1050 SH       SOLE                     1050        0        0
SONIC CORP                                      835451105       51     1875 SH       DEFINED                  1875        0        0
SONOCO PRODUCTS                                 835495102       20      750 SH       SOLE                      750        0        0
SONY CORP ADR AMERN SH NEW     EA REPR 1 
                                JAPANESE        835699307       19      600 SH       DEFINED                   600        0        0
SOUTH JERSEY INDUSTRIES,INC                     838518108        9      342 SH       DEFINED                   342        0        0
SOUTHERN CO                    COM              842587107      309     8645 SH       SOLE                     8645        0        0
SOUTHERN CO                    COM              842587107      487    13625 SH       DEFINED                 13625        0        0
SOUTHWEST AIRLS CO             COM              844741108        4      300 SH       SOLE                      300        0        0
SOVEREIGN BANCORP INC                           845905108       44     2000 SH       DEFINED                   500     1500        0
SPRINT NEXTEL CORP                              852061100       16      696 SH       SOLE                      696        0        0
SPRINT NEXTEL CORP                              852061100       40     1721 SH       DEFINED                  1595      126        0
STAPLES INC                                     855030102       54     2552 SH       SOLE                     2552        0        0
STAPLES INC                                     855030102       25     1200 SH       DEFINED                     0     1200        0
STARBUCKS CORPORATION                           855244109      785    15675 SH       SOLE                    15675        0        0



                                                                                              
STARBUCKS CORPORATION                           855244109      862    17215 SH       DEFINED                 15940     1275        0
STARWOOD HOTELS & RESORTS
  WORLDWIDE INC                                 85590A203       28      501 SH       SOLE                      501        0        0
STARWOOD HOTELS & RESORTS
  WORLDWIDE INC                                 85590A203       48      857 SH       DEFINED                   857        0        0
STRATTEC SECURITY CORPORATION                   863111100        1       20 SH       SOLE                       20        0        0
STREETTRACKS GOLD TR                            863307104       46     1000 SH       DEFINED                   500      500        0
STRYKER CORP                                    863667101       91     1860 SH       DEFINED                  1860        0        0
SUBURBAN PROPANE PARTNERS LP
 UNIT LTD                                       864482104       43     1500 SH       SOLE                     1500        0        0
SUBURBAN PROPANE PARTNERS LP
 UNIT LTD                                       864482104      192     6700 SH       DEFINED                   700     6000        0
SUN MICROSYSTEMS INC           COM              866810104        1      500 SH       SOLE                      500        0        0
SUN MICROSYSTEMS INC           COM              866810104       27     7050 SH       DEFINED                  5450        0     1600
SUNCOR ENERGY INC                               867229106       24      400 SH       DEFINED                   400        0        0
SUNOCO INC                                      86764P109       18      238 SH       SOLE                      238        0        0
SUNOCO INC                                      86764P109      470     6018 SH       DEFINED                     0     6018        0
SUNTRUST BANKS INC                              867914103      159     2292 SH       SOLE                     2292        0        0
SUPERGEN INC                   COM              868059106      296    47000 SH       DEFINED                 47000        0        0
SYMANTEC                                        871503108     1614    71295 SH       SOLE                    70395        0      900
SYMANTEC                                        871503108     1183    52273 SH       DEFINED                 45273     5400     1600
SYNGENTA AG                                     87160A100        2      115 SH       SOLE                      115        0        0
SYSCO CORPORATION                               871829107      393    12545 SH       SOLE                    12545        0        0
SYSCO CORPORATION                               871829107      246     7845 SH       DEFINED                  5835     2010        0
TC PIPELINES LTD                                87233Q108       17      500 SH       SOLE                      500        0        0
TECO ENERGY INC                COM              872375100      141     7830 SH       SOLE                     7830        0        0
TECO ENERGY INC                COM              872375100      100     5550 SH       DEFINED                  5550        0        0
TGC INDS INC                                    872417308     1020   117334 SH       SOLE                   117334        0        0
TJX COMPANIES                                   872540109       40     2000 SH       DEFINED                  2000        0        0
TXU CORP                                        873168108       37      333 SH       SOLE                      333        0        0
TXU CORP                                        873168108      146     1300 SH       DEFINED                  1300        0        0
TALISMAN ENERGY INC                             87425E103     1437    29430 SH       SOLE                    29430        0        0
TALISMAN ENERGY INC                             87425E103      717    14695 SH       DEFINED                 14575      120        0
TARGET CORPORATION                              87612E106     1934    37260 SH       SOLE                    36710        0      550
TARGET CORPORATION                              87612E106     1956    37685 SH       DEFINED                 34935     2300      450
TAUBMAN CTRS INC COM                            876664103       38     1200 SH       DEFINED                  1200        0        0
TELEFONOS DE MEXICO SA DE 
 CV ADR                                         879403780       17      800 SH       DEFINED                   800        0        0
TEMPLETON GLOBAL INCOME
 FUND INC                                       880198106        3      371 SH       SOLE                      371        0        0
TERADYNE INC                                    880770102       57     3500 SH       SOLE                     3500        0        0
TEVA PHARMACEUTICAL INDS ADR                    881624209     2040    61080 SH       SOLE                    61080        0        0
TEVA PHARMACEUTICAL INDS ADR                    881624209     1211    36265 SH       DEFINED                 28865     7400        0
TEXAS INSTRUMENTS                               882508104     2225    65679 SH       SOLE                    63679        0     2000
TEXAS INSTRUMENTS                               882508104     1691    49918 SH       DEFINED                 45550     2868     1500
THERMO ELECTRON CORP           COM              883556102       70     2272 SH       DEFINED                  2272        0        0
THOMAS & BETTS CORPORATION                      884315102       13      400 SH       DEFINED                   400        0        0
THORNBURG MORTGAGE INC                          885218107       10      400 SH       SOLE                      400        0        0
3COM CORP                      COM              885535104        4     1000 SH       DEFINED                  1000        0        0
3M CO COM                                       88579Y101     1774    24188 SH       SOLE                    23828        0      360
3M CO COM                                       88579Y101     2614    35644 SH       DEFINED                 32669     1875     1100
TIFFANY & CO. INC                               886547108        1       50 SH       SOLE                       50        0        0
TIME WARNER INC NEW                             887317105       30     1705 SH       SOLE                     1705        0        0
TIME WARNER INC NEW                             887317105      148     8188 SH       DEFINED                  8188        0        0
TIMKEN CO                                       887389104      118     4000 SH       DEFINED                  4000        0        0
TOYOTA MOTOR CORP ADR                           892331307        9      100 SH       DEFINED                   100        0        0
TRANSCANADA CORP                                89353D107        4      152 SH       SOLE                      152        0        0
TREEHOUSE FOODS INC                             89469A104        6      260 SH       DEFINED                    60      200        0
TRI-CONTINENTAL CORPORATION                     895436103       13      739 SH       DEFINED                   739        0        0
TRIBUNE CO NEW COM                              896047107       41     1227 SH       DEFINED                  1227        0        0
TRIZEC PROPERTIES INC                           89687P107      379    16445 SH       SOLE                    16445        0        0
TRIZEC PROPERTIES INC                           89687P107      446    19350 SH       DEFINED                 15450     3900        0
TUPPERWARE CORP                COM              899896104        2      100 SH       DEFINED                   100        0        0
TYCO INTL LTD NEW              COM              902124106       23      850 SH       SOLE                      850        0        0
TYCO INTL LTD NEW              COM              902124106       13      500 SH       DEFINED                   500        0        0
UGI CORPORATION                                 902681105      107     3825 SH       SOLE                     3825        0        0



                                                                                              
UGI CORPORATION                                 902681105      230     8200 SH       DEFINED                  8200        0        0
UIL HLDG CORP                                   902748102       33      637 SH       DEFINED                   637        0        0
UST INC                        COM              902911106       20      500 SH       DEFINED                   500        0        0
US BANCORP DEL COM                              902973304       17      625 SH       SOLE                      625        0        0
UNILIVER NV NY SHARE F NEW                      904784709       28      400 SH       DEFINED                   400        0        0
UNION PACIFIC CORP             COM              907818108      252     3516 SH       SOLE                     3516        0        0
UNION PACIFIC CORP             COM              907818108      531     7415 SH       DEFINED                  4657      300     2458
UNITED PARCEL SERVICE                           911312106     2238    32376 SH       SOLE                    31661        0      715
UNITED PARCEL SERVICE                           911312106     1246    18025 SH       DEFINED                 15350     1875      800
UNITED TECHNOLOGIES CORP       COM              913017109     1629    31431 SH       SOLE                    31431        0        0
UNITED TECHNOLOGIES CORP       COM              913017109     2023    39036 SH       DEFINED                 34581     4455        0
UNIVERSAL CORP                                  913456109        0        2 SH       SOLE                        2        0        0
UNIVERSAL TECHNICAL                             913915104       28      800 SH       DEFINED                   800        0        0
VALERO LP                                       91913W104       36      636 SH       SOLE                      636        0        0
VALERO LP                                       91913W104       32      562 SH       DEFINED                   562        0        0
VALLEY NATIONAL BANCORP.                        919794107       45     1992 SH       DEFINED                  1992        0        0
VANGUARD VIPERS SMALL CAP                       922908611       61      995 SH       SOLE                      995        0        0
VERITAS DGC INC                                 92343P107       18      500 SH       DEFINED                     0      500        0
VERIZON CORPORATION                             92343V104      747    22879 SH       SOLE                    22513        0      366
VERIZON CORPORATION                             92343V104     1945    59533 SH       DEFINED                 52738     3809     2986
VIACOM INC. CLASS B            COMMON           925524308        3       95 SH       SOLE                       95        0        0
VIACOM INC. CLASS B            COMMON           925524308       10      325 SH       DEFINED                   325        0        0
VODAFONE GROUP PLC                              92857W100      539    20773 SH       SOLE                    20773        0        0
VODAFONE GROUP PLC                              92857W100      661    25479 SH       DEFINED                 21696     1783     2000
VORNADO REALTY TRUST                            929042109      833     9625 SH       SOLE                     9625        0        0
VORNADO REALTY TRUST                            929042109      900    10400 SH       DEFINED                  9100     1300        0
VULCAN MATERIALS COMPANY       COM              929160109      148     2000 SH       DEFINED                  2000        0        0
WGL HOLDINGS INC                                92924F106      173     5400 SH       DEFINED                  2400     2000     1000
W.P. CAREY & CO LLC                             92930Y107        8      300 SH       SOLE                      300        0        0
WACHOVIA CORP 2ND NEW          COM              929903102     3430    72087 SH       SOLE                    72087        0        0
WACHOVIA CORP 2ND NEW          COM              929903102     1720    36156 SH       DEFINED                 34832     1324        0
WAL-MART STORES INC                             931142103       48     1100 SH       SOLE                     1100        0        0
WAL-MART STORES INC                             931142103      305     6965 SH       DEFINED                  6465      500        0
WALGREEN CO                                     931422109       21      500 SH       SOLE                      500        0        0
WALGREEN CO                                     931422109       26      602 SH       DEFINED                   500      102        0
WASHINGTON MUTUAL INC                           939322103        3      100 SH       SOLE                      100        0        0
WASHINGTON MUTUAL INC                           939322103       39     1000 SH       DEFINED                  1000        0        0
WASHINGTON REAL ESTATE
 INVT TR SBI                                    939653101       15      500 SH       DEFINED                   500        0        0
WASHINGTON TRUST BANCORP INC                    940610108       85     3163 SH       DEFINED                  3163        0        0
WASTE MANAGEMENT INC                            94106L109        4      145 SH       DEFINED                   145        0        0
WEBMD CORP                                      94769M105       15     1400 SH       DEFINED                     0     1400        0
WELLPOINT COM                                   94973V107       17      230 SH       SOLE                      230        0        0
WELLS FARGO & CO NEW           COM              949746101     3017    51534 SH       SOLE                    50734        0      800
WELLS FARGO & CO NEW           COM              949746101     2593    44292 SH       DEFINED                 37585     5797      910
WESTERN GAS RESOURCES INC                       958259103      102     2000 SH       DEFINED                  2000        0        0
WEYERHAEUSER CO                COM              962166104       12      186 SH       SOLE                      186        0        0
WEYERHAEUSER CO                COM              962166104      137     2000 SH       DEFINED                  2000        0        0
WHIRLPOOL CORP                 COM              963320106       22      300 SH       DEFINED                     0        0      300
WHITING PETROLEUM CORP                          966387102       43     1000 SH       DEFINED                  1000        0        0
WHOLE FOOD MARKET INC                           966837106       49      370 SH       SOLE                      370        0        0
WHOLE FOOD MARKET INC                           966837106       73      550 SH       DEFINED                   550        0        0
WILLIAMS COS INC DEL           COM              969457100        2      100 SH       SOLE                      100        0        0
WILLIAMS COS INC DEL           COM              969457100      125     5000 SH       DEFINED                  5000        0        0
WILLIAMS SONOMA INC            COM              969904101      184     4800 SH       DEFINED                  2800     2000        0
WISCONSIN ENERGY CORP          COM              976657106      196     4936 SH       DEFINED                  4936        0        0
WORLD WRESTLING
 ENTERTAINMENT INC.                             98156Q108        1      110 SH       DEFINED                   110        0        0
WRIGLEY WM JR CO                                982526105      767    10677 SH       SOLE                    10677        0        0
WRIGLEY WM JR CO                                982526105      995    13855 SH       DEFINED                 12300     1555        0
WYETH INC.                                      983024100     1173    25365 SH       SOLE                    25365        0        0
WYETH INC.                                      983024100     1864    40304 SH       DEFINED                 38324     1780      200



                                                                                              
XTO ENERGY INC                                  98385X106      117     2583 SH       DEFINED                  2583        0        0
XILINX INC                                      983919101       27     1000 SH       SOLE                     1000        0        0
XILINX INC                                      983919101       89     3200 SH       DEFINED                  3200        0        0
YAHOO INC                                       984332106       39     1175 SH       DEFINED                  1175        0        0
YUM BRANDS INC                                  988498101        7      150 SH       SOLE                      150        0        0
YUM BRANDS INC                                  988498101        1       40 SH       DEFINED                    40        0        0
ZIMMER HOLDINGS GROUP                           98956P102      112     1635 SH       SOLE                     1635        0        0
ZIMMER HOLDINGS GROUP                           98956P102      497     7225 SH       DEFINED                  5225     2000        0
 
 GRAND TOTALS                                               399889  9873435                                9136018   552376   185041