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

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/02

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:    TOM STRINGFELLOW
ADDRESS: FROST NATIONAL BANK
         P.O. BOX 1600
         SAN ANTONIO, TX 78296

13F FILE NUMBER: 28-183
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE, AND
THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.


PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:

NAME:     STAN MCCORMICK
TITLE:    COPORATE SECRETARY - SR. V.P.
PHONE:    210-220-4310
SIGNATURE,PLACE,AND DATE OF SIGNING:

/s/ STAN MCCORMICK                 SAN ANTONIO, TX          1/6/03


REPORT TYPE (CHECK ONLY ONE.):

( X)        13F HOLDINGS REPORT

(  )        13F NOTICE

(  )        13F COMBINATION REPORT


LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
  NONE


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.

                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:        0

FORM 13F INFORMATION TABLE ENTRY TOTAL:    734

FORM 13F INFORMATION TABLE VALUE TOTAL:           $1,615,994



                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X1000)  PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                           
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     3797    94917 SH       DEFINED               91517        0     3400
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     1823    45570 SH       OTHER                 18370    20800     6400
AFLAC INC COM                  COMMON STOCK     001055102      639    21220 SH       DEFINED               21220        0        0
AFLAC INC COM                  COMMON STOCK     001055102      187     6200 SH       OTHER                  6200        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      432    10111 SH       DEFINED               10111        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      532    12450 SH       OTHER                 12450        0        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104      224    10052 SH       DEFINED               10052        0        0
ALCOA INC COM*                 COMMON STOCK     013817101    14440   633911 SH       DEFINED              616302        0    17609
ALCOA INC COM*                 COMMON STOCK     013817101     1343    58938 SH       OTHER                 51598        0     7340
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK     015271109     1461    34300 SH       DEFINED               34300        0        0
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK     015271109      111     2600 SH       OTHER                  2600        0        0
ALLIED CAPITAL CORP NEW COM    COMMON STOCK     01903Q108     1622    74291 SH       DEFINED               74291        0        0
ALLIED WASTE INDUSTRIES INC CO COMMON STOCK     019589308      540    54000 SH       DEFINED               54000        0        0
ALLIED WASTE INDUSTRIES INC CO COMMON STOCK     019589308       32     3200 SH       OTHER                     0        0     3200
ALLSTATE CORP COM              COMMON STOCK     020002101      451    12196 SH       DEFINED               10796        0     1400
ALLSTATE CORP COM              COMMON STOCK     020002101       94     2546 SH       OTHER                  2546        0        0
ALLTEL CORP COM *              COMMON STOCK     020039103    59065  1158138 SH       DEFINED             1145313        0    12825
ALLTEL CORP COM *              COMMON STOCK     020039103     3453    67699 SH       OTHER                 67699        0        0
ALLTEL CORPORATION-UTS         COMMON STOCK     020039822      205     4000 SH       DEFINED                4000        0        0
AMERICAN CAPITAL STRATEGIES LT COMMON STOCK     024937104     1878    86997 SH       DEFINED               86997        0        0
AMERICAN CAPITAL STRATEGIES LT COMMON STOCK     024937104        7      329 SH       OTHER                   329        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101     1547    56608 SH       DEFINED               56608        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      155     5686 SH       OTHER                  5686        0        0
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     8835   249924 SH       DEFINED              240224        0     9700
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     1049    29666 SH       OTHER                 29266        0      400
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     2362    40826 SH       DEFINED               39278        0     1548
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     1778    30741 SH       OTHER                 26395     2882     1464
AMERICAN ITALIAN PASTA CO CLAS COMMON STOCK     027070101     1051    29200 SH       DEFINED               29200        0        0
AMERICAN ITALIAN PASTA CO CLAS COMMON STOCK     027070101       79     2200 SH       OTHER                  2200        0        0
AMERICAN NATIONAL INSURANCE CO COMMON STOCK     028591105      349     4252 SH       DEFINED                  25        0     4227
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107      156    10300 SH       DEFINED               10300        0        0
AMERIGROUP CORPORATION COM     COMMON STOCK     03073T102     1514    49950 SH       DEFINED               49950        0        0
AMERIGROUP CORPORATION COM     COMMON STOCK     03073T102      112     3700 SH       OTHER                  3700        0        0
AMETEK INC COM                 COMMON STOCK     031100100      939    24400 SH       DEFINED               24400        0        0
AMETEK INC COM                 COMMON STOCK     031100100       46     1200 SH       OTHER                  1200        0        0
AMGEN INC COM *                COMMON STOCK     031162100    13861   286735 SH       DEFINED              280735        0     6000
AMGEN INC COM *                COMMON STOCK     031162100     1868    38646 SH       OTHER                 33846        0     4800
AMN HEALTHCARE SERVICES INC CO COMMON STOCK     001744101     1202    71100 SH       DEFINED               71100        0        0
AMN HEALTHCARE SERVICES INC CO COMMON STOCK     001744101       95     5600 SH       OTHER                  5600        0        0
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      168     8756 SH       DEFINED                   0        0     8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102       94     4920 SH       OTHER                  4920        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107     7654   159800 SH       DEFINED              159800        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107       52     1084 SH       OTHER                   984        0      100
ANALOG DEVICES INC COM*        COMMON STOCK     032654105      787    32964 SH       DEFINED               32964        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103     8265   170774 SH       DEFINED              170624        0      150
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103      423     8740 SH       OTHER                  8440        0      300
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105    47656  3637830 SH       DEFINED             3636280        0     1550
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105      410    31332 SH       OTHER                 15232    14400     1700
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105      135    10333 SH       DEFINED               10285        0       48
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105       31     2341 SH       OTHER                   843     1298      200
ARCHSTONE-SMITH TR REIT COM*   COMMON STOCK     039583109     2237    95033 SH       DEFINED               93143        0     1890
ARCHSTONE-SMITH TR REIT COM*   COMMON STOCK     039583109      617    26204 SH       OTHER                 26204        0        0
ARMOR HOLDINGS INC COM         COMMON STOCK     042260109      587    42600 SH       DEFINED               42600        0        0
ARMOR HOLDINGS INC COM         COMMON STOCK     042260109       44     3200 SH       OTHER                  3200        0        0
AT & T CORP COM NEW *          COMMON STOCK     001957505      339    13000 SH       DEFINED               12960        0       40
AT & T CORP COM NEW *          COMMON STOCK     001957505       80     3057 SH       OTHER                  2040     1017        0
AT & T WIRELESS SERVICES INC C COMMON STOCK     00209A106      263    46629 SH       DEFINED               46110        0      519
AT & T WIRELESS SERVICES INC C COMMON STOCK     00209A106       32     5632 SH       OTHER                  3200     1432     1000
AUTODESK INC COM               COMMON STOCK     052769106     1251    87500 SH       DEFINED               87500        0        0
AUTODESK INC COM               COMMON STOCK     052769106       97     6800 SH       OTHER                  6800        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103    12222   311389 SH       DEFINED              304789        0     6600
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103     1233    31408 SH       OTHER                 31158        0      250
AVERY DENNISON CORP COM *      COMMON STOCK     053611109    16613   271988 SH       DEFINED              266668        0     5320
AVERY DENNISON CORP COM *      COMMON STOCK     053611109     1740    28488 SH       OTHER                 25653       35     2800
AVNET INC COM                  COMMON STOCK     053807103     1594   147186 SH       DEFINED              147186        0        0
AVNET INC COM                  COMMON STOCK     053807103       12     1068 SH       OTHER                  1068        0        0
AVX CORP COM                   COMMON STOCK     002444107      898    91670 SH       DEFINED               91670        0        0
AVX CORP COM                   COMMON STOCK     002444107        7      735 SH       OTHER                   735        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107      213     6615 SH       DEFINED                6615        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107      140     4349 SH       OTHER                  4149        0      200
BALL CORP COM                  COMMON STOCK     058498106      205     4000 SH       OTHER                     0     4000        0
BANK OF AMERICA CORP COM*      COMMON STOCK     060505104     2400    34498 SH       DEFINED               34498        0        0
BANK OF AMERICA CORP COM*      COMMON STOCK     060505104       68      978 SH       OTHER                   978        0        0
BANK OF HAWAII CORP COM        COMMON STOCK     062540109     1583    52100 SH       DEFINED               52100        0        0
BANK OF HAWAII CORP COM        COMMON STOCK     062540109      125     4100 SH       OTHER                  4100        0        0
BANK ONE CORP COM*             COMMON STOCK     06423A103      651    17816 SH       DEFINED                7045        0    10771
BANK ONE CORP COM*             COMMON STOCK     06423A103       37     1000 SH       OTHER                  1000        0        0
BANKNORTH GROUP INC            COMMON STOCK     06646R107     5062   223990 SH       DEFINED              223990        0        0
BANKNORTH GROUP INC            COMMON STOCK     06646R107       55     2450 SH       OTHER                  2450        0        0
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109     3861   137900 SH       DEFINED              136045        0     1855
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109      540    19278 SH       OTHER                 17375        0     1903
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109      248     8093 SH       DEFINED                8093        0        0
BELLSOUTH CORP COM *           COMMON STOCK     079860102    13073   505335 SH       DEFINED              503865        0     1470
BELLSOUTH CORP COM *           COMMON STOCK     079860102      632    24440 SH       OTHER                 23819      621        0
BEMIS INC COM*                 COMMON STOCK     081437105       10      200 SH       DEFINED                 200        0        0
BEMIS INC COM*                 COMMON STOCK     081437105      298     6000 SH       OTHER                     0     6000        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207      218       90 SH       DEFINED                  90        0        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207       48       20 SH       OTHER                    20        0        0
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670108      218        3 SH       DEFINED                   3        0        0
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101    13321   551589 SH       DEFINED              541772        0     9817
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101     1157    47926 SH       OTHER                 43426        0     4500
BLOCK H & R INC COM *          COMMON STOCK     093671105      628    15620 SH       DEFINED               15620        0        0
BLYTH INC. COM                 COMMON STOCK     09643P108     4687   175152 SH       DEFINED              175114        0       38
BLYTH INC. COM                 COMMON STOCK     09643P108       39     1445 SH       OTHER                  1445        0        0
BOEING CO COM *                COMMON STOCK     097023105      242     7328 SH       DEFINED                7328        0        0
BOEING CO COM *                COMMON STOCK     097023105      309     9352 SH       OTHER                  9352        0        0
BOISE CASCADE CORP COM         COMMON STOCK     097383103      256    10158 SH       DEFINED               10158        0        0
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     2103    90446 SH       DEFINED               88746        0     1700
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108      364    15671 SH       OTHER                 15671        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      475    18264 SH       DEFINED               18264        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      304    11679 SH       OTHER                  9679     2000        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103     5683   133243 SH       DEFINED              133243        0        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103      145     3407 SH       OTHER                  1216      871     1320
CACI INTL INC CL A COM         COMMON STOCK     127190304      998    28000 SH       DEFINED               28000        0        0
CACI INTL INC CL A COM         COMMON STOCK     127190304       61     1700 SH       OTHER                  1700        0        0
CALIFORNIA PIZZA KITCHEN INC   COMMON STOCK     13054D109     1741    69100 SH       DEFINED               69100        0        0
CALIFORNIA PIZZA KITCHEN INC   COMMON STOCK     13054D109      136     5400 SH       OTHER                  5400        0        0
CALLAWAY GOLF CO COM           COMMON STOCK     131193104     1260    95100 SH       DEFINED               95100        0        0
CALLAWAY GOLF CO COM           COMMON STOCK     131193104       68     5100 SH       OTHER                  5100        0        0
CAPITAL AUTOMOTIVE REIT COM    COMMON STOCK     139733109     4648   196126 SH       DEFINED              196126        0        0
CAPITAL AUTOMOTIVE REIT COM    COMMON STOCK     139733109       20      842 SH       OTHER                   842        0        0
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108    13686   231217 SH       DEFINED              229421        0     1796
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108     1645    27785 SH       OTHER                 27785        0        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      784    31410 SH       DEFINED               30910        0      500
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      170     6800 SH       OTHER                  6800        0        0
CARRIAGE SERVICES INC COM      COMMON STOCK     143905107       40    10000 SH       DEFINED               10000        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101      108     2363 SH       DEFINED                2363        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101      117     2552 SH       OTHER                   600     1852      100
CENTERPOINT ENERGY INC COM     COMMON STOCK     15189T107      307    36166 SH       DEFINED               34216        0     1950
CENTERPOINT ENERGY INC COM     COMMON STOCK     15189T107       11     1300 SH       OTHER                  1300        0        0
CHARTER ONE FINANCIAL INC COM  COMMON STOCK     160903100      637    22185 SH       DEFINED               22185        0        0
CHEESECAKE FACTORY INC COM*    COMMON STOCK     163072101      437    12076 SH       DEFINED               12076        0        0
CHEVRONTEXACO CORP COM*        COMMON STOCK     166764100    20041   301465 SH       DEFINED              293766        0     7699
CHEVRONTEXACO CORP COM*        COMMON STOCK     166764100     2451    36867 SH       OTHER                 29817     3736     3314
CHUBB CORP COM*                COMMON STOCK     171232101    13206   252991 SH       DEFINED              249146        0     3845
CHUBB CORP COM*                COMMON STOCK     171232101     1257    24087 SH       OTHER                 23847        0      240
CIGNA CORP COM                 COMMON STOCK     125509109     2865    69680 SH       DEFINED               69680        0        0
CIGNA CORP COM                 COMMON STOCK     125509109       20      497 SH       OTHER                   497        0        0
CINERGY CORP COM               COMMON STOCK     172474108     8196   243049 SH       DEFINED              242954        0       95
CINERGY CORP COM               COMMON STOCK     172474108       58     1707 SH       OTHER                  1707        0        0
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102    11459   874738 SH       DEFINED              859643        0    15095
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102      901    68801 SH       OTHER                 63636     1800     3365
CITIGROUP INC COM *            COMMON STOCK     172967101     6470   183862 SH       DEFINED              182463        0     1399
CITIGROUP INC COM *            COMMON STOCK     172967101     1174    33363 SH       OTHER                 26030     6000     1333
CITY NATIONAL CORP COM         COMMON STOCK     178566105     1280    29100 SH       DEFINED               29100        0        0
CITY NATIONAL CORP COM         COMMON STOCK     178566105       97     2200 SH       OTHER                  2200        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     2572    68967 SH       DEFINED               67903        0     1064
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     4699   126000 SH       OTHER                126000        0        0
CLOROX CO COM *                COMMON STOCK     189054109    14805   358915 SH       DEFINED              352007        0     6908
CLOROX CO COM *                COMMON STOCK     189054109     2235    54174 SH       OTHER                 48254      800     5120
COCA COLA CO COM *             COMMON STOCK     191216100     8314   189636 SH       DEFINED              188004        0     1632
COCA COLA CO COM *             COMMON STOCK     191216100     1732    39502 SH       OTHER                 32002        0     7500
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103     2807    53546 SH       DEFINED               53546        0        0
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103      515     9828 SH       OTHER                  5800        0     4028
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      574    16649 SH       DEFINED               16649        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      298     8650 SH       OTHER                  8650        0        0
COMVERSE TECHNOLOGY INC COM    COMMON STOCK     205862402      139    13840 SH       DEFINED               13840        0        0
COMVERSE TECHNOLOGY INC COM    COMMON STOCK     205862402       21     2100 SH       OTHER                  2100        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102      304    12150 SH       DEFINED               12150        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102       28     1100 SH       OTHER                  1100        0        0
CONCORD EFS INC COM*           COMMON STOCK     206197105      136     8609 SH       DEFINED                8609        0        0
CONCORD EFS INC COM*           COMMON STOCK     206197105       48     3040 SH       OTHER                  3040        0        0
CONOCOPHILLIPS COM             COMMON STOCK     20825C104      459     9480 SH       DEFINED                9180        0      300
CONOCOPHILLIPS COM             COMMON STOCK     20825C104       79     1635 SH       OTHER                   200     1435        0
CONSOL ENERGY INC COM          COMMON STOCK     20854P109     4113   237994 SH       DEFINED              237994        0        0
CONSOL ENERGY INC COM          COMMON STOCK     20854P109       30     1747 SH       OTHER                  1747        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104      400     9342 SH       DEFINED                9342        0        0
COOPER COMPANIES INC COM       COMMON STOCK     216648402      811    32400 SH       DEFINED               32400        0        0
COOPER COMPANIES INC COM       COMMON STOCK     216648402       55     2200 SH       OTHER                  2200        0        0
COOPER TIRE & RUBBER CO COM    COMMON STOCK     216831107     1953   127300 SH       DEFINED              127300        0        0
COOPER TIRE & RUBBER CO COM    COMMON STOCK     216831107      147     9600 SH       OTHER                  9600        0        0
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105    10742   382812 SH       DEFINED              381607        0     1205
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105     1102    39267 SH       OTHER                 39267        0        0
COUNTRYWIDE FINANCIAL CORP COM COMMON STOCK     222372104     2583    50019 SH       DEFINED               49719        0      300
COUNTRYWIDE FINANCIAL CORP COM COMMON STOCK     222372104       12      236 SH       OTHER                   236        0        0
CRESCENT REAL ESTATE EQUITIES  COMMON STOCK     225756105      266    16000 SH       DEFINED               16000        0        0
CRESCENT REAL ESTATE EQUITIES  COMMON STOCK     225756105       60     3600 SH       OTHER                     0        0     3600
CSX CORP COM                   COMMON STOCK     126408103      340    12000 SH       DEFINED               12000        0        0
CSX CORP COM                   COMMON STOCK     126408103       34     1200 SH       OTHER                  1200        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    11242   343785 SH       DEFINED              313358     2101    28326
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     2298    70272 SH       OTHER                 43680        0    26592
CVB FINANCIAL CORP COM         COMMON STOCK     126600105     1561    61400 SH       DEFINED               61400        0        0
CVB FINANCIAL CORP COM         COMMON STOCK     126600105      109     4300 SH       OTHER                  4300        0        0
CYTYC CORPORATION COM          COMMON STOCK     232946103     1057   103600 SH       DEFINED              103600        0        0
CYTYC CORPORATION COM          COMMON STOCK     232946103       80     7800 SH       OTHER                  7800        0        0
DEL MONTE FOODS INC            COMMON STOCK     24522P103      110    14285 SH       DEFINED               14285        0        0
DEL MONTE FOODS INC            COMMON STOCK     24522P103        8     1072 SH       OTHER                   536      536        0
DELL COMPUTER CORP COM*        COMMON STOCK     247025109    17918   670083 SH       DEFINED              647832        0    22251
DELL COMPUTER CORP COM*        COMMON STOCK     247025109     1898    70998 SH       OTHER                 52298        0    18700
DELPHI CORPORATION COM         COMMON STOCK     247126105     1427   177220 SH       DEFINED              177151        0       69
DELPHI CORPORATION COM         COMMON STOCK     247126105      714    88742 SH       OTHER                 88708       34        0
DELTA & PINE LAND CO           COMMON STOCK     247357106     1212    59400 SH       DEFINED               59400        0        0
DELTA & PINE LAND CO           COMMON STOCK     247357106       92     4500 SH       OTHER                  4500        0        0
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103      378     8246 SH       DEFINED                8246        0        0
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103        5      100 SH       OTHER                     0        0      100
DIEBOLD INC COM *              COMMON STOCK     253651103    10641   258147 SH       DEFINED              249997        0     8150
DIEBOLD INC COM *              COMMON STOCK     253651103      537    13039 SH       OTHER                 13039        0        0
DIGITAL RIVER INC COM          COMMON STOCK     25388B104     1013    84800 SH       DEFINED               84800        0        0
DIGITAL RIVER INC COM          COMMON STOCK     25388B104       78     6500 SH       OTHER                  6500        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101     1074    67746 SH       DEFINED               67746        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101       79     5000 SH       OTHER                  5000        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106      802    49152 SH       DEFINED               49152        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106      299    18341 SH       OTHER                 11947     6294      100
DNP SELECT INCOME FD INC       COMMON STOCK     23325P104      101    10244 SH       DEFINED               10244        0        0
DOLLAR GENERAL CORP COM        COMMON STOCK     256669102      239    20000 SH       DEFINED               20000        0        0
DOLLAR TREE STORES INC COM     COMMON STOCK     256747106      240     9774 SH       DEFINED                9774        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103    17675   595115 SH       DEFINED              582605        0    12510
DOW CHEMICAL CO COM *          COMMON STOCK     260543103     2031    68399 SH       OTHER                 67069      900      430
DRIL-QUIP INC COM              COMMON STOCK     262037104      519    30700 SH       DEFINED               30700        0        0
DRIL-QUIP INC COM              COMMON STOCK     262037104       39     2300 SH       OTHER                  2300        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     4886   115232 SH       DEFINED              115232        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1145    26999 SH       OTHER                 23416     3583        0
DUKE ENERGY CORP *             COMMON STOCK     264399106     2167   110889 SH       DEFINED              110889        0        0
DUKE ENERGY CORP *             COMMON STOCK     264399106      239    12237 SH       OTHER                 12237        0        0
DYNACQ INTERNATIONAL INC COM   COMMON STOCK     267919306      889    61900 SH       DEFINED               61900        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102     1148   187022 SH       DEFINED              187022        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102      266    43245 SH       OTHER                 42845        0      400
EATON VANCE CORPORATION COM    COMMON STOCK     278265103     1229    43500 SH       DEFINED               43500        0        0
EATON VANCE CORPORATION COM    COMMON STOCK     278265103       93     3300 SH       OTHER                  3300        0        0
EDISON INTERNATIONAL COM       COMMON STOCK     281020107      129    10848 SH       DEFINED               10848        0        0
EGL INC                        COMMON STOCK     268484102     1492   104700 SH       DEFINED              104700        0        0
EGL INC                        COMMON STOCK     268484102      114     8000 SH       OTHER                  8000        0        0
EL PASO CORP COM*              COMMON STOCK     28336L109     3916   562706 SH       DEFINED              561815        0      891
EL PASO CORP COM*              COMMON STOCK     28336L109      243    34973 SH       OTHER                 31909     2416      648
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104     7291   395625 SH       DEFINED              395625        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104      541    29378 SH       OTHER                 29378        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108     1061    16706 SH       DEFINED               16356        0      350
ELI LILLY & CO COM *           COMMON STOCK     532457108      108     1700 SH       OTHER                  1600        0      100
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104    16223   319030 SH       DEFINED              313010        0     6020
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     1470    28899 SH       OTHER                 23809        0     5090
ENGELHARD CORP COM*            COMMON STOCK     292845104      241    10805 SH       DEFINED               10805        0        0
ENSCO INTERNATIONAL INC COM*   COMMON STOCK     26874Q100    14017   475970 SH       DEFINED              465290        0    10680
ENSCO INTERNATIONAL INC COM*   COMMON STOCK     26874Q100      866    29407 SH       OTHER                 28818        0      589
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      647    14181 SH       DEFINED               13981        0      200
ENTERGY CORP NEW COM           COMMON STOCK     29364G103       32      700 SH       OTHER                     0        0      700
ENZO BIOCHEM INC COM           COMMON STOCK     294100102      395    28213 SH       DEFINED               28213        0        0
EON LABS INC COM               COMMON STOCK     29412E100     1413    74700 SH       DEFINED               74700        0        0
EON LABS INC COM               COMMON STOCK     29412E100      110     5800 SH       OTHER                  5800        0        0
EQUITABLE RESOURCES INC COM    COMMON STOCK     294549100      259     7388 SH       DEFINED                7388        0        0
ESCO TECHNOLOGIES INC          COMMON STOCK     296315104     1735    46900 SH       DEFINED               46900        0        0
ESCO TECHNOLOGIES INC          COMMON STOCK     296315104      130     3500 SH       OTHER                  3500        0        0
EVEREST RE GROUP LTD COM*      COMMON STOCK     G3223R108    12309   222593 SH       DEFINED              217468        0     5125
EVEREST RE GROUP LTD COM*      COMMON STOCK     G3223R108     1210    21882 SH       OTHER                 21882        0        0
EXPRESS SCRIPTS INC COMMON STO COMMON STOCK     302182100     8465   176198 SH       DEFINED              175518        0      680
EXPRESS SCRIPTS INC COMMON STO COMMON STOCK     302182100      602    12523 SH       OTHER                 12523        0        0
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102    43767  1252636 SH       DEFINED             1242872        0     9764
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102     7170   205206 SH       OTHER                193850     2400     8956
FAIRCHILD SEMICONDUCTOR CORPOR COMMON STOCK     303726103      900    84000 SH       DEFINED               84000        0        0
FAIRCHILD SEMICONDUCTOR CORPOR COMMON STOCK     303726103       65     6100 SH       OTHER                  6100        0        0
FAMILY DOLLAR STORES INC COM   COMMON STOCK     307000109     1810    58000 SH       DEFINED               58000        0        0
FANNIE MAE *                   COMMON STOCK     313586109    23961   372471 SH       DEFINED              368577        0     3894
FANNIE MAE *                   COMMON STOCK     313586109     1269    19727 SH       OTHER                 18927        0      800
FEDERAL SIGNAL CORP COM        COMMON STOCK     313855108      680    35000 SH       DEFINED               35000        0        0
FEDERAL SIGNAL CORP COM        COMMON STOCK     313855108       50     2600 SH       OTHER                  2600        0        0
FIRST DATA CORP COM *          COMMON STOCK     319963104     1626    45909 SH       DEFINED               45909        0        0
FIRST DATA CORP COM *          COMMON STOCK     319963104        9      248 SH       OTHER                   248        0        0
FIRST HEALTH GROUP CORP COM    COMMON STOCK     320960107     1639    67325 SH       DEFINED               67325        0        0
FIRST HEALTH GROUP CORP COM    COMMON STOCK     320960107      170     7000 SH       OTHER                  7000        0        0
FISERV INC COM *               COMMON STOCK     337738108      238     7021 SH       DEFINED                7021        0        0
FISERV INC COM *               COMMON STOCK     337738108       53     1552 SH       OTHER                  1552        0        0
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108     5505   226523 SH       DEFINED              224678        0     1845
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108      137     5632 SH       OTHER                  4332        0     1300
FLUOR CORP NEW COM             COMMON STOCK     343412102      308    11000 SH       DEFINED               11000        0        0
FLUOR CORP NEW COM             COMMON STOCK     343412102       73     2600 SH       OTHER                  2600        0        0
FOCUS ENHANCEMENTS INC         COMMON STOCK     344159108       90    67500 SH       DEFINED               67500        0        0
FOOT LOCKER INC COM            COMMON STOCK     344849104     1734   165114 SH       DEFINED              165114        0        0
FOOT LOCKER INC COM            COMMON STOCK     344849104       66     6300 SH       OTHER                  6300        0        0
FORD MOTOR COMPANY *           COMMON STOCK     345370860     6813   732554 SH       DEFINED              732516        0       38
FORD MOTOR COMPANY *           COMMON STOCK     345370860       95    10224 SH       OTHER                 10224        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101      860    18500 SH       DEFINED               17940        0      560
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101       47     1004 SH       OTHER                  1004        0        0
FOUNDRY NETWORKS INC COM       COMMON STOCK     35063R100      925   131400 SH       DEFINED              131400        0        0
FOUNDRY NETWORKS INC COM       COMMON STOCK     35063R100       70    10000 SH       OTHER                 10000        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104      240     3990 SH       DEFINED                3990        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       66     1100 SH       OTHER                   600        0      500
FREDDIE MAC *                  COMMON STOCK     313400301    11631   196975 SH       DEFINED              196928        0       47
FREDDIE MAC *                  COMMON STOCK     313400301      143     2415 SH       OTHER                  2415        0        0
FURNITURE BRANDS INTERNATIONAL COMMON STOCK     360921100     1147    48100 SH       DEFINED               48100        0        0
FURNITURE BRANDS INTERNATIONAL COMMON STOCK     360921100       86     3600 SH       OTHER                  3600        0        0
GABELLI ASSET MANAGEMENT INC C COMMON STOCK     36239Y102     1030    34300 SH       DEFINED               34300        0        0
GABELLI ASSET MANAGEMENT INC C COMMON STOCK     36239Y102       87     2900 SH       OTHER                  2900        0        0
GANNETT CO COM*                COMMON STOCK     364730101     2181    30381 SH       DEFINED               29701        0      680
GANNETT CO COM*                COMMON STOCK     364730101      602     8385 SH       OTHER                  8385        0        0
GART SPORTS COMPANY COM        COMMON STOCK     366630101      985    50900 SH       DEFINED               50900        0        0
GART SPORTS COMPANY COM        COMMON STOCK     366630101       79     4100 SH       OTHER                  4100        0        0
GEN-PROBE INC NEW COM          COMMON STOCK     36866T103     2273    95500 SH       DEFINED               95500        0        0
GEN-PROBE INC NEW COM          COMMON STOCK     36866T103      176     7400 SH       OTHER                  7400        0        0
GENERAL DYNAMICS CORP COM*     COMMON STOCK     369550108    16195   204045 SH       DEFINED              199795        0     4250
GENERAL DYNAMICS CORP COM*     COMMON STOCK     369550108     1222    15401 SH       OTHER                 14601        0      800
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103    29257  1201504 SH       DEFINED             1179779        0    21725
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     4651   191014 SH       OTHER                154314    14520    22180
GENERAL MILLS INC COM*         COMMON STOCK     370334104     1364    29062 SH       DEFINED               29062        0        0
GENERAL MILLS INC COM*         COMMON STOCK     370334104      521    11100 SH       OTHER                  4000     6400      700
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832        9      852 SH       DEFINED                 852        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832      232    21675 SH       OTHER                 21669        6        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      302     8184 SH       DEFINED                8184        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105     4562   123756 SH       OTHER                123706       50        0
GENTEX CORP COM                COMMON STOCK     371901109     1342    42400 SH       DEFINED               42400        0        0
GENTEX CORP COM                COMMON STOCK     371901109       98     3100 SH       OTHER                  3100        0        0
GIBRALTAR STEEL CORPORATION CO COMMON STOCK     37476F103      708    37200 SH       DEFINED               37200        0        0
GIBRALTAR STEEL CORPORATION CO COMMON STOCK     37476F103       29     1500 SH       OTHER                  1500        0        0
GILLETTE CO COM *              COMMON STOCK     375766102      278     9160 SH       DEFINED                9160        0        0
GILLETTE CO COM *              COMMON STOCK     375766102       20      650 SH       OTHER                   650        0        0
GRANT PRIDECO INC COM          COMMON STOCK     38821G101     1431   122900 SH       DEFINED              122900        0        0
GRANT PRIDECO INC COM          COMMON STOCK     38821G101      112     9600 SH       OTHER                  9600        0        0
GUIDANT CORP COM*              COMMON STOCK     401698105    12664   410517 SH       DEFINED              400817        0     9700
GUIDANT CORP COM*              COMMON STOCK     401698105      494    15999 SH       OTHER                 15999        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101      569    30390 SH       DEFINED               27715        0     2675
HALLIBURTON CO COM *           COMMON STOCK     406216101     1001    53500 SH       OTHER                 50400     3000      100
HANOVER COMPRESSOR CO (HOLDING COMMON STOCK     410768105      123    13450 SH       DEFINED               13450        0        0
HARRIS CORP DELAWARE COM       COMMON STOCK     413875105     1581    60128 SH       DEFINED               60128        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      394     8683 SH       DEFINED                8683        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      109     2400 SH       OTHER                     0        0     2400
HCA INC*                       COMMON STOCK     404119109     1200    28911 SH       DEFINED               25857        0     3054
HCA INC*                       COMMON STOCK     404119109      263     6347 SH       OTHER                  6347        0        0
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102    19102   776500 SH       DEFINED              763919        0    12581
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102     2139    86945 SH       OTHER                 86945        0        0
HEALTH MGMT ASSOC INC NEW CLAS COMMON STOCK     421933102      229    12781 SH       DEFINED               12781        0        0
HEALTH MGMT ASSOC INC NEW CLAS COMMON STOCK     421933102        3      150 SH       OTHER                   150        0        0
HEALTHSOUTH CORP COM           COMMON STOCK     421924101       86    20545 SH       DEFINED               20545        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103     1051    31987 SH       DEFINED               31987        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103       79     2400 SH       OTHER                  1200     1200        0
HELMERICH & PAYNE INC COM      COMMON STOCK     423452101     1220    43700 SH       DEFINED               43700        0        0
HELMERICH & PAYNE INC COM      COMMON STOCK     423452101       92     3300 SH       OTHER                  3300        0        0
HERSHEY FOODS CORP COM*        COMMON STOCK     427866108      315     4675 SH       DEFINED                4675        0        0
HERSHEY FOODS CORP COM*        COMMON STOCK     427866108      135     2000 SH       OTHER                   400        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     1275    73460 SH       DEFINED               70285        0     3175
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103      940    54176 SH       OTHER                 53987        0      189
HIBERNIA CORP CLASS A          COMMON STOCK     428656102     1223    63500 SH       DEFINED               63500        0        0
HISPANIC BROADCASTING CORP COM COMMON STOCK     43357B104      411    20000 SH       DEFINED               20000        0        0
HOME DEPOT INC COM *           COMMON STOCK     437076102     1761    73310 SH       DEFINED               71265        0     2045
HOME DEPOT INC COM *           COMMON STOCK     437076102      376    15657 SH       OTHER                  6487        0     9170
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106    27363  1140135 SH       DEFINED             1124500        0    15635
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106     1835    76463 SH       OTHER                 74603        0     1860
HOUSEHOLD INTERNATIONAL CORP C COMMON STOCK     441815107      224     8070 SH       DEFINED                8070        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      346     5341 SH       DEFINED                5341        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      156     2400 SH       OTHER                  2400        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108      310    19400 SH       DEFINED               19400        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       67     4200 SH       OTHER                  4200        0        0
INGERSOLL-RAND COMPANY CLASS A COMMON STOCK     G4776G101     1213    28174 SH       DEFINED               27424        0      750
INGERSOLL-RAND COMPANY CLASS A COMMON STOCK     G4776G101      616    14300 SH       OTHER                 14300        0        0
INSIGHT ENTERPRISES INC COM    COMMON STOCK     45765U103      720    86600 SH       DEFINED               86600        0        0
INSIGHT ENTERPRISES INC COM    COMMON STOCK     45765U103       42     5100 SH       OTHER                  5100        0        0
INTEGRATED CIRCUIT SYSTEMS INC COMMON STOCK     45811K208     1113    61000 SH       DEFINED               61000        0        0
INTEGRATED CIRCUIT SYSTEMS INC COMMON STOCK     45811K208       86     4700 SH       OTHER                  4700        0        0
INTEGRATED ELECTRICAL SERVICES COMMON STOCK     45811E103     4437  1152519 SH       DEFINED             1152519        0        0
INTEL CORP COM *               COMMON STOCK     458140100     4152   266673 SH       DEFINED              262553        0     4120
INTEL CORP COM *               COMMON STOCK     458140100     1010    64846 SH       OTHER                 54696      400     9750
INTERNATIONAL MULTIFOODS CORP  COMMON STOCK     460043102     1566    73900 SH       DEFINED               73900        0        0
INTERNATIONAL MULTIFOODS CORP  COMMON STOCK     460043102      121     5700 SH       OTHER                  5700        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103     1073    30684 SH       DEFINED               30684        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103       14      400 SH       OTHER                   400        0        0
INTL BUSINESS MACHINES CORP CO COMMON STOCK     459200101     4683    60429 SH       DEFINED               57744        0     2685
INTL BUSINESS MACHINES CORP CO COMMON STOCK     459200101     1709    22055 SH       OTHER                 17539     3216     1300
ITT EDUCATIONAL SERVICES INC C COMMON STOCK     45068B109     1427    60600 SH       DEFINED               60600        0        0
ITT EDUCATIONAL SERVICES INC C COMMON STOCK     45068B109      104     4400 SH       OTHER                  4400        0        0
J P MORGAN CHASE & CO COM      COMMON STOCK     46625H100     1138    47428 SH       DEFINED               46908        0      520
J P MORGAN CHASE & CO COM      COMMON STOCK     46625H100       36     1500 SH       OTHER                   500        0     1000
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     6361   118434 SH       DEFINED              113406        0     5028
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     2979    55473 SH       OTHER                 39813    11200     4460
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      276     3439 SH       DEFINED                3439        0        0
JONES APPAREL GROUP INC COM*   COMMON STOCK     480074103      214     6050 SH       DEFINED                6050        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100      301     8545 SH       DEFINED                8545        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100       60     1700 SH       OTHER                  1700        0        0
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103     2966    62492 SH       DEFINED               62452        0       40
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103      561    11817 SH       OTHER                 10617        0     1200
KROLL INC COM                  COMMON STOCK     501049100     1070    56100 SH       DEFINED               56100        0        0
KROLL INC COM                  COMMON STOCK     501049100       65     3400 SH       OTHER                  3400        0        0
KRONOS INC COM                 COMMON STOCK     501052104     1202    32500 SH       DEFINED               32500        0        0
KRONOS INC COM                 COMMON STOCK     501052104       70     1900 SH       OTHER                  1900        0        0
LAFARGE NORTH AMERICA INC COM  COMMON STOCK     505862102     4159   126615 SH       DEFINED              126615        0        0
LAFARGE NORTH AMERICA INC COM  COMMON STOCK     505862102       42     1289 SH       OTHER                  1289        0        0
LEGG MASON INC COM             COMMON STOCK     524901105     2354    48500 SH       DEFINED               48500        0        0
LEGG MASON INC COM             COMMON STOCK     524901105      180     3700 SH       OTHER                  3700        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      254    11306 SH       DEFINED               11306        0        0
LIBERTY MEDIA CORP NEW COM SER COMMON STOCK     530718105      519    58014 SH       DEFINED               57564        0      450
LIBERTY MEDIA CORP NEW COM SER COMMON STOCK     530718105       12     1352 SH       OTHER                     0        0     1352
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      511     8845 SH       DEFINED                8845        0        0
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109       23      400 SH       OTHER                   400        0        0
LOWES COS INC COM *            COMMON STOCK     548661107    13581   362148 SH       DEFINED              351907        0    10241
LOWES COS INC COM *            COMMON STOCK     548661107     1036    27633 SH       OTHER                 27633        0        0
LUBY'S INC COM                 COMMON STOCK     549282101      151    51782 SH       DEFINED               51782        0        0
LUBY'S INC COM                 COMMON STOCK     549282101        1      285 SH       OTHER                   285        0        0
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107        9     6879 SH       DEFINED                5681        0     1198
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107        7     5862 SH       OTHER                  1580     4182      100
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107      157    12400 SH       DEFINED               12400        0        0
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103       35    68696 SH       DEFINED               68696        0        0
MANPOWER INC WISCONSIN COM     COMMON STOCK     56418H100     2157    67621 SH       DEFINED               67621        0        0
MANPOWER INC WISCONSIN COM     COMMON STOCK     56418H100       39     1230 SH       OTHER                  1230        0        0
MARATHON OIL CORP COM*         COMMON STOCK     565849106     5464   256648 SH       DEFINED              256328        0      320
MARATHON OIL CORP COM*         COMMON STOCK     565849106      350    16436 SH       OTHER                 16436        0        0
MARSH & MCLENNAN COS INC COM   COMMON STOCK     571748102      519    11240 SH       DEFINED               11240        0        0
MARSH & MCLENNAN COS INC COM   COMMON STOCK     571748102       63     1370 SH       OTHER                  1370        0        0
MARSHALL & ILSLEY CORP COM     COMMON STOCK     571834100      801    29240 SH       DEFINED               29240        0        0
MASCO CORP COM *               COMMON STOCK     574599106      634    30134 SH       DEFINED               30134        0        0
MASCO CORP COM *               COMMON STOCK     574599106       31     1470 SH       OTHER                  1470        0        0
MBNA CORP COM *                COMMON STOCK     55262L100    11751   617820 SH       DEFINED              612798        0     5022
MBNA CORP COM *                COMMON STOCK     55262L100     1390    73067 SH       OTHER                 67667        0     5400
MCDONALD'S CORP COM *          COMMON STOCK     580135101      485    30164 SH       DEFINED               30164        0        0
MCDONALD'S CORP COM *          COMMON STOCK     580135101      260    16200 SH       OTHER                  9200        0     7000
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109     3031    50154 SH       DEFINED               48994        0     1160
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109     1186    19621 SH       OTHER                 19271        0      350
MEDTRONIC INC COM *            COMMON STOCK     585055106    12560   275446 SH       DEFINED              266196        0     9250
MEDTRONIC INC COM *            COMMON STOCK     585055106     1052    23078 SH       OTHER                 20378        0     2700
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108      619    23700 SH       DEFINED               23700        0        0
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108       70     2700 SH       OTHER                  1200        0     1500
MERCK & CO INC COM *           COMMON STOCK     589331107     5543    97916 SH       DEFINED               93116        0     4800
MERCK & CO INC COM *           COMMON STOCK     589331107     1659    29300 SH       OTHER                 26900        0     2400
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108       92     2422 SH       DEFINED                2422        0        0
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      243     6400 SH       OTHER                  6400        0        0
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      421    10200 SH       DEFINED               10200        0        0
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    23791   460179 SH       DEFINED              449171        0    11008
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     2910    56284 SH       OTHER                 46639     1000     8645
MID ATLANTIC MED SVCS INC COM  COMMON STOCK     59523C107     1043    32200 SH       DEFINED               32200        0        0
MID ATLANTIC MED SVCS INC COM  COMMON STOCK     59523C107       65     2000 SH       OTHER                  2000        0        0
MILLIPORE CORP COM *           COMMON STOCK     601073109      649    19099 SH       DEFINED               18274        0      825
MILLIPORE CORP COM *           COMMON STOCK     601073109      260     7660 SH       OTHER                  2360        0     5300
MOLEX INC COM*                 COMMON STOCK     608554101      256    11125 SH       DEFINED               11125        0        0
MORGAN STANLEY                 COMMON STOCK     617446448    11580   290080 SH       DEFINED              290016        0       64
MORGAN STANLEY                 COMMON STOCK     617446448      130     3256 SH       OTHER                  3256        0        0
MOTOROLA INC COM               COMMON STOCK     620076109       68     7917 SH       DEFINED                7421        0      496
MOTOROLA INC COM               COMMON STOCK     620076109       83     9635 SH       OTHER                  6935     2700        0
NASDAQ 100 SHARES              COMMON STOCK     631100104      247    10127 SH       DEFINED                8238        0     1889
NASDAQ 100 SHARES              COMMON STOCK     631100104       79     3247 SH       OTHER                  3247        0        0
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101     1261    57750 SH       DEFINED               57400        0      350
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101       96     4400 SH       OTHER                  4400        0        0
NBTY INC COM                   COMMON STOCK     628782104     1320    75100 SH       DEFINED               75100        0        0
NBTY INC COM                   COMMON STOCK     628782104       98     5600 SH       OTHER                  5600        0        0
NEW PLAN EXCEL RLTY TR INC REI COMMON STOCK     648053106     1189    62260 SH       DEFINED               61160        0     1100
NEW PLAN EXCEL RLTY TR INC REI COMMON STOCK     648053106      125     6550 SH       OTHER                  6550        0        0
NEWELL RUBBERMAID INC COM*     COMMON STOCK     651229106    17897   590092 SH       DEFINED              576879        0    13213
NEWELL RUBBERMAID INC COM*     COMMON STOCK     651229106     1789    58995 SH       OTHER                 52567     4728     1700
NICOR INC COM *                COMMON STOCK     654086107     1861    54700 SH       DEFINED               54700        0        0
NICOR INC COM *                COMMON STOCK     654086107      349    10250 SH       OTHER                 10250        0        0
NOBLE CORP COM                 COMMON STOCK     G65422100      541    15400 SH       DEFINED               15000        0      400
NOBLE CORP COM                 COMMON STOCK     G65422100       67     1900 SH       OTHER                   500        0     1400
NOBLE ENERGY INC COM           COMMON STOCK     655044105    13234   352441 SH       DEFINED              352441        0        0
NOBLE ENERGY INC COM           COMMON STOCK     655044105      122     3260 SH       OTHER                  3260        0        0
NORTHEAST UTILITIES COM        COMMON STOCK     664397106      376    24800 SH       DEFINED               24800        0        0
NUCOR CORP COM *               COMMON STOCK     670346105    10556   255582 SH       DEFINED              249932        0     5650
NUCOR CORP COM *               COMMON STOCK     670346105      441    10689 SH       OTHER                 10689        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105      485    17050 SH       DEFINED               17050        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105       10      350 SH       OTHER                   350        0        0
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106     2416   121000 SH       DEFINED              118700        0     2300
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106      122     6100 SH       OTHER                  5500        0      600
OMNICOM GROUP COM *            COMMON STOCK     681919106    13439   208035 SH       DEFINED              202730        0     5305
OMNICOM GROUP COM *            COMMON STOCK     681919106     1042    16137 SH       OTHER                 16137        0        0
ORACLE CORPORATION*            COMMON STOCK     68389X105     1349   124930 SH       DEFINED              124930        0        0
ORACLE CORPORATION*            COMMON STOCK     68389X105      469    43400 SH       OTHER                 36400        0     7000
PACIFIC SUNWEAR OF CALIFORNIA  COMMON STOCK     694873100     1595    90150 SH       DEFINED               90150        0        0
PACIFIC SUNWEAR OF CALIFORNIA  COMMON STOCK     694873100       80     4500 SH       OTHER                  4500        0        0
PATTERSON-UTI ENERGY INC COM   COMMON STOCK     703481101     1355    44900 SH       DEFINED               44900        0        0
PATTERSON-UTI ENERGY INC COM   COMMON STOCK     703481101      103     3400 SH       OTHER                  3400        0        0
PENTAIR INC COM                COMMON STOCK     709631105     1144    33100 SH       DEFINED               33100        0        0
PENTAIR INC COM                COMMON STOCK     709631105       86     2500 SH       OTHER                  2500        0        0
PEP BOYS MANNY MOE & JACK COM  COMMON STOCK     713278109     1293   111500 SH       DEFINED              111500        0        0
PEP BOYS MANNY MOE & JACK COM  COMMON STOCK     713278109       95     8200 SH       OTHER                  8200        0        0
PEPCO HOLDINGS INC COM         COMMON STOCK     713291102     7175   370048 SH       DEFINED              369810        0      238
PEPCO HOLDINGS INC COM         COMMON STOCK     713291102       20     1053 SH       OTHER                  1053        0        0
PEPSICO INC COM*               COMMON STOCK     713448108    19492   461666 SH       DEFINED              450381        0    11285
PEPSICO INC COM*               COMMON STOCK     713448108     3347    79264 SH       OTHER                 58257     7740    13267
PERFORMANCE FOOD GROUP CO COM* COMMON STOCK     713755106     1078    31740 SH       DEFINED               31740        0        0
PERFORMANCE FOOD GROUP CO COM* COMMON STOCK     713755106       51     1500 SH       OTHER                  1500        0        0
PFIZER INC COM *               COMMON STOCK     717081103    24455   799973 SH       DEFINED              786106        0    13867
PFIZER INC COM *               COMMON STOCK     717081103     5153   168561 SH       OTHER                149299    12752     6510
PHARMACEUTICAL PRODUCT DEVELOP COMMON STOCK     717124101     1736    59300 SH       DEFINED               59300        0        0
PHARMACEUTICAL PRODUCT DEVELOP COMMON STOCK     717124101      135     4600 SH       OTHER                  4600        0        0
PHARMACIA CORP COM*            COMMON STOCK     71713U102      470    11243 SH       DEFINED               11243        0        0
PHARMACIA CORP COM*            COMMON STOCK     71713U102      361     8643 SH       OTHER                  4477     2500     1666
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     6098   150448 SH       DEFINED              149548        0      900
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107      685    16900 SH       OTHER                 15700      500      700
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107     1835    72678 SH       DEFINED               72678        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107      144     5711 SH       OTHER                  5711        0        0
PITNEY BOWES INC COM *         COMMON STOCK     724479100     1789    54769 SH       DEFINED               54769        0        0
PLUM CREEK TIMBER CO INC REIT  COMMON STOCK     729251108     1160    49150 SH       DEFINED               49150        0        0
PLUM CREEK TIMBER CO INC REIT  COMMON STOCK     729251108      127     5400 SH       OTHER                  3900        0     1500
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      264     6300 SH       DEFINED                6300        0        0
POLYCOM INC COM                COMMON STOCK     73172K104      863    90700 SH       DEFINED               90700        0        0
POLYCOM INC COM                COMMON STOCK     73172K104       69     7300 SH       OTHER                  7300        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     9878   114942 SH       DEFINED              114762        0      180
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     1451    16881 SH       OTHER                 16681        0      200
PROLOGIS  REIT COM             COMMON STOCK     743410102     4055   161249 SH       DEFINED              161249        0        0
PROLOGIS  REIT COM             COMMON STOCK     743410102       27     1067 SH       OTHER                  1067        0        0
PRUDENTIAL FINANCIAL INC COM   COMMON STOCK     744320102    10983   346040 SH       DEFINED              345979        0       61
PRUDENTIAL FINANCIAL INC COM   COMMON STOCK     744320102       75     2355 SH       OTHER                  2355        0        0
QUESTAR CORP COM*              COMMON STOCK     748356102     1082    38900 SH       DEFINED               38900        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103      244    13004 SH       DEFINED               13004        0        0
RAYTHEON CO COM NEW*           COMMON STOCK     755111507    16823   547099 SH       DEFINED              537339        0     9760
RAYTHEON CO COM NEW*           COMMON STOCK     755111507     1532    49832 SH       OTHER                 49832        0        0
RELIANT RESOURCES INC COM      COMMON STOCK     75952B105       90    28231 SH       DEFINED               26694        0     1537
RELIANT RESOURCES INC COM      COMMON STOCK     75952B105        3      788 SH       OTHER                   788        0        0
ROCKWELL AUTOMATION INC COM*   COMMON STOCK     773903109     1018    49155 SH       DEFINED               49155        0        0
S & P 500 DEPOSITARY RECEIPT S COMMON STOCK     78462F103      775     8789 SH       DEFINED                8789        0        0
S & P 500 DEPOSITARY RECEIPT S COMMON STOCK     78462F103        9      100 SH       OTHER                     0        0      100
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100      676    37344 SH       DEFINED               37344        0        0
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100       55     3050 SH       OTHER                  3050        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208      766    32810 SH       DEFINED               32810        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208      117     4990 SH       OTHER                  4990        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103     3019   134140 SH       DEFINED              131540        0     2600
SARA LEE CORP COM *            COMMON STOCK     803111103     1241    55129 SH       OTHER                 55129        0        0
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    21178   781196 SH       DEFINED              777855        0     3341
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     1983    73156 SH       OTHER                 64890      966     7300
SCANA CORP COM NEW             COMMON STOCK     80589M102     6212   200640 SH       DEFINED              200460        0      180
SCANA CORP COM NEW             COMMON STOCK     80589M102       52     1667 SH       OTHER                  1667        0        0
SCHEIN HENRY INC COM           COMMON STOCK     806407102     1130    25100 SH       DEFINED               25100        0        0
SCHEIN HENRY INC COM           COMMON STOCK     806407102       59     1300 SH       OTHER                  1300        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101     1410    63516 SH       DEFINED               62356        0     1160
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101      636    28670 SH       OTHER                 22870        0     5800
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     3072    72976 SH       DEFINED               72446        0      530
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     1171    27827 SH       OTHER                 25627        0     2200
SCHWAB CHARLES CORP NEW COM*   COMMON STOCK     808513105    14891  1372414 SH       DEFINED             1337366        0    35048
SCHWAB CHARLES CORP NEW COM*   COMMON STOCK     808513105     1151   106037 SH       OTHER                104987        0     1050
SEARS ROEBUCK & CO COM         COMMON STOCK     812387108     5738   239585 SH       DEFINED              239549        0       36
SEARS ROEBUCK & CO COM         COMMON STOCK     812387108       73     3028 SH       OTHER                  3028        0        0
SEEBEYOND TECHNOLOGY CORP COM  COMMON STOCK     815704101       24    10000 SH       DEFINED               10000        0        0
SEI INVESTMENTS CO COM         COMMON STOCK     784117103      184     6768 SH       DEFINED                6768        0        0
SEI INVESTMENTS CO COM         COMMON STOCK     784117103       24      886 SH       OTHER                   886        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109      477    20163 SH       DEFINED               20163        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       19      800 SH       OTHER                   800        0        0
SHAW GROUP INC COM*            COMMON STOCK     820280105      380    23100 SH       DEFINED               23100        0        0
SIEBEL SYSTEMS INC COM*        COMMON STOCK     826170102      524    70823 SH       DEFINED               70823        0        0
SIEBEL SYSTEMS INC COM*        COMMON STOCK     826170102      274    37060 SH       OTHER                 36550        0      510
SILICON VALLEY BANCSHARES      COMMON STOCK     827064106     1241    68000 SH       DEFINED               68000        0        0
SILICON VALLEY BANCSHARES      COMMON STOCK     827064106       97     5300 SH       OTHER                  5300        0        0
SILVERSTAR HOLDINGS LTD ORD    COMMON STOCK     G81365101        2    10000 SH       DEFINED               10000        0        0
SKY FINANCIAL GROUP INC COM    COMMON STOCK     83080P103     1758    88300 SH       DEFINED               88300        0        0
SKY FINANCIAL GROUP INC COM    COMMON STOCK     83080P103      121     6100 SH       OTHER                  6100        0        0
SKYWEST INC COM                COMMON STOCK     830879102     1166    89200 SH       DEFINED               89200        0        0
SKYWEST INC COM                COMMON STOCK     830879102       86     6600 SH       OTHER                  6600        0        0
SL GREEN REALTY CORP REIT      COMMON STOCK     78440X101     1179    37300 SH       DEFINED               37300        0        0
SL GREEN REALTY CORP REIT      COMMON STOCK     78440X101       92     2900 SH       OTHER                  2900        0        0
SNAP ON, INC.                  COMMON STOCK     833034101     1920    68300 SH       DEFINED               68300        0        0
SNAP ON, INC.                  COMMON STOCK     833034101      110     3900 SH       OTHER                  3900        0        0
SOUTHERN CO COM                COMMON STOCK     842587107      553    19471 SH       DEFINED               19471        0        0
SOUTHERN CO COM                COMMON STOCK     842587107       33     1158 SH       OTHER                  1158        0        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     6026   433500 SH       DEFINED              426430        0     7070
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     1870   134556 SH       OTHER                132656        0     1900
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     4701   200454 SH       DEFINED              200454        0        0
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102       72     3086 SH       OTHER                  3086        0        0
SRA INTERNATIONAL INC - CL A C COMMON STOCK     78464R105     1057    39000 SH       DEFINED               39000        0        0
SRA INTERNATIONAL INC - CL A C COMMON STOCK     78464R105       79     2900 SH       OTHER                  2900        0        0
STAPLES INC COM*               COMMON STOCK     855030102     1160    63374 SH       DEFINED               61724        0     1650
STAPLES INC COM*               COMMON STOCK     855030102       20     1100 SH       OTHER                  1100        0        0
STATE STREET CORP              COMMON STOCK     857477103      410    10510 SH       DEFINED               10510        0        0
STATE STREET CORP              COMMON STOCK     857477103       10      250 SH       OTHER                   250        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      726    59390 SH       DEFINED               57140        0     2250
STONE ENERGY CORP COM          COMMON STOCK     861642106     1138    34100 SH       DEFINED               34100        0        0
STONE ENERGY CORP COM          COMMON STOCK     861642106      100     2997 SH       OTHER                  2997        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      201     3001 SH       DEFINED                3001        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      322     4800 SH       OTHER                  4800        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      396   127437 SH       DEFINED              127437        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104       72    23176 SH       OTHER                 23156        0       20
SUNTRUST BANKS INC COM         COMMON STOCK     867914103      203     3562 SH       DEFINED                3562        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103        6      100 SH       OTHER                   100        0        0
SUPERIOR INDUSTRIES INTL INC C COMMON STOCK     868168105     1084    26200 SH       DEFINED               26200        0        0
SUPERIOR INDUSTRIES INTL INC C COMMON STOCK     868168105       83     2000 SH       OTHER                  2000        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101     1497    91300 SH       DEFINED               91300        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101      115     7000 SH       OTHER                  7000        0        0
SYMANTEC CORP COM*             COMMON STOCK     871503108    14856   366720 SH       DEFINED              359030        0     7690
SYMANTEC CORP COM*             COMMON STOCK     871503108     1052    25966 SH       OTHER                 25966        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     2303    77320 SH       DEFINED               76820        0      500
SYSCO CORP COM *               COMMON STOCK     871829107      937    31450 SH       OTHER                 31050        0      400
TARGET CORP COM *              COMMON STOCK     87612E106      371    12353 SH       DEFINED               11993        0      360
TARGET CORP COM *              COMMON STOCK     87612E106      272     9058 SH       OTHER                  9058        0        0
TCF FINANCIAL CORP COM         COMMON STOCK     872275102     1167    26700 SH       DEFINED               26700        0        0
TCF FINANCIAL CORP COM         COMMON STOCK     872275102       48     1100 SH       OTHER                  1100        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    24843   554405 SH       DEFINED              554405        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107       57     1280 SH       OTHER                     0     1080      200
TETRA TECHNOLOGIES INC DEL COM COMMON STOCK     88162F105     1269    59400 SH       DEFINED               59400        0        0
TETRA TECHNOLOGIES INC DEL COM COMMON STOCK     88162F105       96     4500 SH       OTHER                  4500        0        0
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104    11323   754380 SH       DEFINED              735125        0    19255
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104      937    62457 SH       OTHER                 59157        0     3300
TEXTRON INC COM *              COMMON STOCK     883203101      555    12900 SH       DEFINED               12900        0        0
TEXTRON INC COM *              COMMON STOCK     883203101      193     4500 SH       OTHER                   900     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105     1214    21400 SH       DEFINED               21400        0        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105       91     1600 SH       OTHER                  1600        0        0
TIDEWATER INC COM              COMMON STOCK     886423102     1484    47720 SH       DEFINED               47720        0        0
TIDEWATER INC COM              COMMON STOCK     886423102      112     3600 SH       OTHER                  3600        0        0
TIFFANY & CO NEW COM           COMMON STOCK     886547108      892    37300 SH       DEFINED               37300        0        0
TIFFANY & CO NEW COM           COMMON STOCK     886547108       48     2000 SH       OTHER                     0        0     2000
TRACTOR SUPPLY CO COM          COMMON STOCK     892356106     1305    34700 SH       DEFINED               34700        0        0
TRACTOR SUPPLY CO COM          COMMON STOCK     892356106       79     2100 SH       OTHER                  2100        0        0
TRAVELERS PPTY CAS CORP NEW CL COMMON STOCK     89420G406      196    13375 SH       DEFINED               13252        0      123
TRAVELERS PPTY CAS CORP NEW CL COMMON STOCK     89420G406       39     2685 SH       OTHER                  2082      532       71
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109      801    26865 SH       DEFINED               26705        0      160
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109       48     1600 SH       OTHER                     0        0     1600
UNITED DOMINION REALTY TR REIT COMMON STOCK     910197102       12      704 SH       DEFINED                   0        0      704
UNITED DOMINION REALTY TR REIT COMMON STOCK     910197102      217    13245 SH       OTHER                 13245        0        0
UNITED NATURAL FOODS INC       COMMON STOCK     911163103     1660    65500 SH       DEFINED               65500        0        0
UNITED NATURAL FOODS INC       COMMON STOCK     911163103      129     5100 SH       OTHER                  5100        0        0
UNITED STATES STEEL CORP NEW C COMMON STOCK     912909108        4      283 SH       DEFINED                 283        0        0
UNITED STATES STEEL CORP NEW C COMMON STOCK     912909108      328    25000 SH       OTHER                 25000        0        0
UNITED TECHNOLOGIES CORP COM*  COMMON STOCK     913017109      132     2133 SH       DEFINED                2133        0        0
UNITED TECHNOLOGIES CORP COM*  COMMON STOCK     913017109      262     4224 SH       OTHER                  3200     1024        0
UNOCAL CORP COM *              COMMON STOCK     915289102     1330    43500 SH       DEFINED               43500        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      101     3300 SH       OTHER                  3300        0        0
URSTADT BIDDLE PPTYS CL A REIT COMMON STOCK     917286205     1397   126100 SH       DEFINED              126100        0        0
URSTADT BIDDLE PPTYS CL A REIT COMMON STOCK     917286205      107     9700 SH       OTHER                  9700        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100     4089   142218 SH       DEFINED              139054        0     3164
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      392    13647 SH       OTHER                  5817        0     7830
UST INC COM                    COMMON STOCK     902911106      517    15478 SH       DEFINED               14478        0     1000
VALERO L P COM                 COMMON STOCK     91913W104      222     5600 SH       DEFINED                5600        0        0
VALERO L P COM                 COMMON STOCK     91913W104       44     1100 SH       OTHER                     0        0     1100
VARIAN INC COM                 COMMON STOCK     922206107     1130    39380 SH       DEFINED               39380        0        0
VARIAN INC COM                 COMMON STOCK     922206107       72     2500 SH       OTHER                  2500        0        0
VARIAN MEDICAL SYSTEMS INC COM COMMON STOCK     92220P105     1483    29900 SH       DEFINED               29900        0        0
VARIAN MEDICAL SYSTEMS INC COM COMMON STOCK     92220P105      109     2200 SH       OTHER                  2200        0        0
VENTAS INC REIT COM            COMMON STOCK     92276F100     4553   397657 SH       DEFINED              397657        0        0
VENTAS INC REIT COM            COMMON STOCK     92276F100        9      754 SH       OTHER                   754        0        0
VERITAS SOFTWARE CORP COM*     COMMON STOCK     923436109     7564   484234 SH       DEFINED              482804        0     1430
VERITAS SOFTWARE CORP COM*     COMMON STOCK     923436109      799    51176 SH       OTHER                 51176        0        0
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104    14807   382107 SH       DEFINED              380858        0     1249
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104     1364    35208 SH       OTHER                 32169      539     2500
VIACOM INC CLASS B COM         COMMON STOCK     925524308       93     2282 SH       DEFINED                2282        0        0
VIACOM INC CLASS B COM         COMMON STOCK     925524308      141     3469 SH       OTHER                  1842        0     1627
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108      276    24678 SH       DEFINED               24678        0        0
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108      108     9695 SH       OTHER                  9695        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    15616   309158 SH       DEFINED              303533        0     5625
WAL MART STORES INC COM *      COMMON STOCK     931142103     2597    51425 SH       OTHER                 42720       30     8675
WALGREEN CO COM*               COMMON STOCK     931422109      354    12139 SH       DEFINED               11317        0      822
WALGREEN CO COM*               COMMON STOCK     931422109      309    10600 SH       OTHER                 10600        0        0
WALLACE COMPUTER SERVICES INC  COMMON STOCK     932270101      835    38800 SH       DEFINED               38800        0        0
WALLACE COMPUTER SERVICES INC  COMMON STOCK     932270101       62     2900 SH       OTHER                  2900        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109     7808   314218 SH       DEFINED              314218        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109       66     2642 SH       OTHER                  2642        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      492    14248 SH       DEFINED               14248        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      127     3664 SH       OTHER                  3664        0        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109      398    17349 SH       DEFINED               17349        0        0
WAUSAU-MOSINEE PAPER CORP COM  COMMON STOCK     943315101      271    24193 SH       DEFINED               24193        0        0
WEIS MARKETS INC COM           COMMON STOCK     948849104     1208    38900 SH       DEFINED               38900        0        0
WEIS MARKETS INC COM           COMMON STOCK     948849104       56     1800 SH       OTHER                  1800        0        0
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101    15532   331377 SH       DEFINED              324817        0     6560
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     1373    29297 SH       OTHER                 25297     4000        0
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109      442    16334 SH       DEFINED               16334        0        0
WESTPORT RESOURCES CORP NEW CO COMMON STOCK     961418100     1855    89200 SH       DEFINED               89200        0        0
WESTPORT RESOURCES CORP NEW CO COMMON STOCK     961418100      139     6700 SH       OTHER                  6700        0        0
WHIRLPOOL CORP COM             COMMON STOCK     963320106     1373    26300 SH       DEFINED               26300        0        0
WHIRLPOOL CORP COM             COMMON STOCK     963320106       99     1900 SH       OTHER                  1900        0        0
WHOLE FOODS MARKET INC COM *   COMMON STOCK     966837106      641    12150 SH       DEFINED               12150        0        0
WHOLE FOODS MARKET INC COM *   COMMON STOCK     966837106       42      800 SH       OTHER                   800        0        0
WORTHINGTON INDS INC COM (OHIO COMMON STOCK     981811102      744    48800 SH       DEFINED               48800        0        0
WORTHINGTON INDS INC COM (OHIO COMMON STOCK     981811102       55     3600 SH       OTHER                  3600        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105       72     1311 SH       DEFINED                1311        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      241     4400 SH       OTHER                  1400        0     3000
WYETH COM STOCK*               COMMON STOCK     983024100     7596   203098 SH       DEFINED              202998        0      100
WYETH COM STOCK*               COMMON STOCK     983024100      943    25216 SH       OTHER                 15116     9600      500
XTO ENERGY INC COM             COMMON STOCK     98385X106     1457    58987 SH       DEFINED               58987        0        0
XTO ENERGY INC COM             COMMON STOCK     98385X106       96     3900 SH       OTHER                  3900        0        0
YUM! BRANDS INC COM            COMMON STOCK     988498101      239     9880 SH       DEFINED                9880        0        0
YUM! BRANDS INC COM            COMMON STOCK     988498101       34     1400 SH       OTHER                   200      720      480
ZIMMER HLDGS INC*              COMMON STOCK     98956P102      338     8137 SH       DEFINED                7967        0      170
ZIMMER HLDGS INC*              COMMON STOCK     98956P102       52     1257 SH       OTHER                  1257        0        0
ZOLL MEDICAL CORPORATION COM   COMMON STOCK     989922109     1555    43600 SH       DEFINED               43600        0        0
ZOLL MEDICAL CORPORATION COM   COMMON STOCK     989922109      121     3400 SH       OTHER                  3400        0        0
3M CO COM*                     COMMON STOCK     88579Y101     4179    33891 SH       DEFINED               33891        0        0
3M CO COM*                     COMMON STOCK     88579Y101     1862    15105 SH       OTHER                  7705     4900     2500
AGRIUM INC COM                 COMMON STOCK     008916108     5599   495010 SH       DEFINED              495010        0        0
AGRIUM INC COM                 COMMON STOCK     008916108       40     3504 SH       OTHER                  3504        0        0
ALCON INC COM                  COMMON STOCK     H01301102      201     5100 SH       DEFINED                5100        0        0
ALCON INC COM                  COMMON STOCK     H01301102      986    25000 SH       OTHER                 25000        0        0
BARRICK GOLD CORP COM *        COMMON STOCK     067901108     3810   247256 SH       DEFINED              247256        0        0
BARRICK GOLD CORP COM *        COMMON STOCK     067901108       82     5350 SH       OTHER                  5350        0        0
BIOVAIL CORPORATION COM*       COMMON STOCK     09067J109     1161    43955 SH       DEFINED               43780        0      175
BIOVAIL CORPORATION COM*       COMMON STOCK     09067J109      113     4265 SH       OTHER                  4265        0        0
BP PLC SPONSORED ADR *         COMMON STOCK     055622104    27857   685291 SH       DEFINED              678457        0     6834
BP PLC SPONSORED ADR *         COMMON STOCK     055622104     3710    91268 SH       OTHER                 77107     8365     5796
BT GROUP PLC ADR               COMMON STOCK     05577E101      207     6600 SH       DEFINED                6600        0        0
BUSINESS OBJECTS S A SPONSORED COMMON STOCK     12328X107      909    60600 SH       DEFINED               60600        0        0
BUSINESS OBJECTS S A SPONSORED COMMON STOCK     12328X107       68     4500 SH       OTHER                  4500        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102     2612    62855 SH       DEFINED               62855        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       21      499 SH       OTHER                   499        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101      862    29041 SH       DEFINED               29041        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101        5      158 SH       OTHER                   158        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103       48    16000 SH       DEFINED               16000        0        0
ENCANA CORP COM                COMMON STOCK     292505104      450    14460 SH       DEFINED               14460        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      522    46200 SH       DEFINED               46200        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      636     8105 SH       DEFINED                8105        0        0
FAIRMONT HOTELS RESORTS INC CO COMMON STOCK     305204109     2237    95000 SH       DEFINED               95000        0        0
FAIRMONT HOTELS RESORTS INC CO COMMON STOCK     305204109       94     4000 SH       OTHER                  4000        0        0
GARMIN LTD                     COMMON STOCK     G37260109     1764    60200 SH       DEFINED               60200        0        0
GARMIN LTD                     COMMON STOCK     G37260109      129     4400 SH       OTHER                  4400        0        0
GLAXOSMITHKLINE PLC ADR        COMMON STOCK     37733W105      598    15967 SH       DEFINED               15667        0      300
HITACHI LTD ADR                COMMON STOCK     433578507      251     6750 SH       DEFINED                6750        0        0
IMPERIAL TOBACCO GROUP PLC ADR COMMON STOCK     453142101      402    12000 SH       DEFINED               12000        0        0
KONINKLIJKE PHILIPS ELECTRS N  COMMON STOCK     500472303      361    20406 SH       DEFINED               20406        0        0
KOREA ELECTRIC POWER CORP SPON COMMON STOCK     500631106      224    26400 SH       DEFINED               26400        0        0
KT CORP SPONSORED ADR          COMMON STOCK     48268K101      353    16400 SH       DEFINED               16400        0        0
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204     1634   105446 SH       DEFINED              101196        0     4250
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204      527    34004 SH       OTHER                 30139        0     3865
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605    10554   237645 SH       DEFINED              237394        0      251
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605      107     2414 SH       OTHER                  2297      117        0
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207     9001   511991 SH       DEFINED              511897        0       94
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207       53     3026 SH       OTHER                  3026        0        0
PETROLEO BRASILEIRO SA PETROBR COMMON STOCK     71654V408      211    14100 SH       DEFINED               14100        0        0
PORTUGAL TELECOM SGPS S A      COMMON STOCK     737273102      288    42200 SH       DEFINED               42200        0        0
REPSOL YPF S.A. SPONSORED ADR  COMMON STOCK     76026T205      247    18850 SH       DEFINED               18850        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     2037    46280 SH       DEFINED               46280        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      366     8320 SH       OTHER                  4920        0     3400
SAN PAOLO-IMI S P A SPONSORED  COMMON STOCK     799175104      192    14950 SH       DEFINED               14950        0        0
SCOTTISH ANNUITY & LIFE HOLDIN COMMON STOCK     G7885T104     1347    77200 SH       DEFINED               77200        0        0
SCOTTISH ANNUITY & LIFE HOLDIN COMMON STOCK     G7885T104      101     5800 SH       OTHER                  5800        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705     1537    67038 SH       DEFINED               67038        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705       16      715 SH       OTHER                   651        0       64
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609      560    14400 SH       DEFINED               14400        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      253     7000 SH       OTHER                  7000        0        0
TELECOM ITALIA SPA             COMMON STOCK     87927W106      213     2800 SH       DEFINED                2800        0        0
TELEFONOS DE MEXICO SP ADR     COMMON STOCK     879403780      304     9500 SH       DEFINED                9500        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209     1251    32400 SH       DEFINED               32400        0        0
TOTAL FINA ELF S A SPONSORED A COMMON STOCK     89151E109      701     9800 SH       DEFINED                9800        0        0
TOYOTA MOTOR CORP ADR 2 COM    COMMON STOCK     892331307      265     5000 SH       DEFINED                5000        0        0
TRANSOCEAN INC *               COMMON STOCK     G90078109     1864    80359 SH       DEFINED               80282        0       77
TRANSOCEAN INC *               COMMON STOCK     G90078109      153     6600 SH       OTHER                  6175        0      425
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      339     5500 SH       DEFINED                5500        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709       12      199 SH       OTHER                   199        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857W100      221    12201 SH       DEFINED               10951        0     1250
VODAFONE GROUP PLC             COMMON STOCK     92857W100       72     4000 SH       OTHER                  4000        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105     6541    84668 SH       DEFINED               84634        0       34
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105       34      441 SH       OTHER                   441        0        0
EL PASO ENERGY CAP I 4.75% CON PREFERRED STOCK  283678209      224    12300 SH       DEFINED             N.A.     N.A.     N.A.
SEQUA CORP $5.00 SERIES CONV P PREFERRED STOCK  817320302      619     8369 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703      407     5100 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY INDIA INVESTMEN OTHER            61745C105      184    18500 SH       DEFINED             N.A.     N.A.     N.A.
MUNIHOLDINGS INSURED FUND INC  OTHER            625930102      129    10000 SH       DEFINED             N.A.     N.A.     N.A.
ACM INCOME FUND                OTHER            000912105       94    11166 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST         OTHER            09247F100       32     4060 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST         OTHER            09247F100       59     7500 SH       OTHER               N.A.     N.A.     N.A.
PACHOLDER HIGH YIELD FUND      OTHER            693742108      109    17767 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND         OTHER            62630E107      144     9903 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND         OTHER            62630E107       29     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103      263    16709 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND    OTHER            670928100      372    39867 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND    OTHER            670928100        4      400 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108      177    12445 SH       DEFINED             N.A.     N.A.     N.A.
BUCKEYE PARTNERS L P UNIT      OTHER            118230101     1310    34102 SH       DEFINED               34102        0        0
ENBRIDGE ENERGY PARTNERS L P   OTHER            29250R106      384     9100 SH       DEFINED                9100        0        0
ENBRIDGE ENERGY PARTNERS L P   OTHER            29250R106       42     1000 SH       OTHER                  1000        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106      266     7600 SH       DEFINED                7600        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106      221     6300 SH       OTHER                  4000        0     2300
NORTHERN BORDER PARTNERS L P   OTHER            664785102      227     6000 SH       DEFINED                6000        0        0
PLAINS ALL AMERICAN PIPELINE L OTHER            726503105      215     8800 SH       DEFINED                8800        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      349    14749 SH       DEFINED               14749        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      118     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105      237    17312 SH       DEFINED               17312        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       23     1650 SH       OTHER                     0     1650        0