UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 03/31/04
Check here if Amendment [ ]; Amendment Number:
----
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: PEAPACK GLADSTONE FINANCIAL CORPORATION
Address: 158 ROUTE 206 NORTH
GLADSTONE, NJ 07934
Form 13F File Number: 28-
-------------
The Institutional Investment Manager filing this report and the person by whom
it is signed represent that the person signing the report is authorized to
submit it, that all information contained herein is true, correct and complete,
and that it is understood that all required items, statements, schedules,
lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: ROY C. MILLER
Title: VICE PRESIDENT
Phone: 908 719 3306
Signature, Place, and Date of Signing:
/s/ Roy C. Miller Gladstone, NJ 04/27/04
------------------------------- -------------------------- ------------
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check if all holdings of this reporting manager are
reported in this report.)
[ ] 13F NOTICE. (Check if no holdings reported are in this report, and all
holdings are reported in this report and a portion are reported by other
reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check if a portion of the holdings for this
reporting manager are reported in this report and a portion are reported by
other reporting manager(s).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
28-
--------------------------- -----------------------------
[Repeat as necessary.]
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 7,998,758
Form 13F Information Table Value Total: 317,083
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
No. Form 13F File Number Name
01 28 -
02 28 -
03 28 -
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ --------------- --------- -------- -------- --- ---- ------- ----------- -------- -------- --------
DAIMLER-CHRYSLER AG ORD D1668R123 35 848 SH DEFINED 848 0 0
BUNGE LIMITED G16962105 20 500 SH SOLE 500 0 0
GLOBAL SANTAFE CORP G3930E101 2 101 SH SOLE 101 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 70 1047 SH SOLE 1047 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 424 6280 SH DEFINED 6280 0 0
NABORS INDUSTRIES LTD COM G6359F103 11 250 SH SOLE 250 0 0
TRANSOCEAN INC G90078109 13 477 SH DEFINED 477 0 0
ALCON INC H01301102 38 610 SH SOLE 610 0 0
UBS AG REGISTERED H8920M855 7 100 SH SOLE 100 0 0
GILAT SATELLITE NETWORKS LTD M51474118 1 120 SH SOLE 120 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 49 2919 SH SOLE 2919 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 252 14800 SH DEFINED 14100 0 700
ABN AMRO HOLDING N V ADR 000937102 3 145 SH SOLE 145 0 0
AFLAC INCORPORATED 001055102 38 960 SH SOLE 960 0 0
AFLAC INCORPORATED 001055102 48 1200 SH DEFINED 1200 0 0
AGCO CORPORATION 001084102 86 4175 SH DEFINED 4175 0 0
AES CORPORATION 00130H105 7 833 SH SOLE 833 0 0
AES CORPORATION 00130H105 20 2350 SH DEFINED 2350 0 0
AT&T CORP NEW 001957505 2 152 SH SOLE 122 0 30
AT&T CORP NEW 001957505 42 2187 SH DEFINED 2167 20 0
AT&T WIRELESS SERVICES INC 00209A106 44 3265 SH SOLE 3265 0 0
AT&T WIRELESS SERVICES INC 00209A106 116 8592 SH DEFINED 8078 193 321
AVI BIOPHARMA INC 002346104 120 40000 SH DEFINED 40000 0 0
AASTROM BIOSCIENCES 00253U107 4 3500 SH DEFINED 3500 0 0
ABBOTT LABS COM 002824100 257 6261 SH SOLE 6261 0 0
ABBOTT LABS COM 002824100 764 18617 SH DEFINED 16117 2500 0
ABERCROMBIE & FITCH 002896207 13 400 SH DEFINED 400 0 0
ABBEY NATIONAL PLC 7.375% PFD 002920700 33 1200 SH SOLE 1200 0 0
ADAMS EXPRESS COMPANY 006212104 13 1085 SH DEFINED 1085 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------- -------------- --------- -------- -------- --- ---- ------- ----------- -------- -------- --------
ADOBE SYSTEMS INCORPORATED 00724F101 1443 36735 SH SOLE 36385 0 350
ADOBE SYSTEMS INCORPORATED 00724F101 774 19725 SH DEFINED 19325 0 400
AEGON N V ORD 007924103 9 721 SH SOLE 721 0 0
AETNA U S HEALTHCARE INC 00817Y108 5 65 SH SOLE 65 0 0
AFFILIATED COMPUTER 008190100 2 51 SH SOLE 51 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 2 SH SOLE 1 0 1
AGERE SYSTEMS INC CLASS B 00845V209 0 84 SH SOLE 51 0 33
AGERE SYSTEMS INC CLASS B 00845V209 2 884 SH DEFINED 884 0 0
AGILENT TECHNOLOGIES 00846U101 45 1431 SH DEFINED 1050 381 0
AIR PRODUCTS & CHEMICALS INC 009158106 529 10558 SH SOLE 9633 0 925
AIR PRODUCTS & CHEMICALS INC 009158106 482 9625 SH DEFINED 8825 800 0
AIRTRAN HOLDINGS INC COM 00949P108 1 100 SH DEFINED 100 0 0
ALBEMARLE CORP 012653101 23 800 SH SOLE 0 0 800
ALCOA INC COM 013817101 196 5654 SH SOLE 5654 0 0
ALCOA INC COM 013817101 100 2900 SH DEFINED 2900 0 0
ALLERGAN INC COM 018490102 9 108 SH SOLE 108 0 0
ALLERGAN INC COM 018490102 16 200 SH DEFINED 200 0 0
ALLETE INC 018522102 14 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL MANAGEMENT
HOLDING LP 01855A101 8 225 SH DEFINED 225 0 0
ALLIANCE DATA SYSTEMS 018581108 2 66 SH SOLE 66 0 0
ALLIANCE RESOURCE PARTNERS L P 01877R108 40 1000 SH DEFINED 1000 0 0
ALLIANT ENERGY CORP COM 018802108 75 2900 SH SOLE 2900 0 0
ALLIANT ENERGY CORP COM 018802108 27 1066 SH DEFINED 1066 0 0
ALLIED CAPITAL CORP NEW 01903Q108 60 2000 SH SOLE 2000 0 0
ALLIED IRISH BANKS PLC ADR 019228402 4 160 SH SOLE 160 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 10 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 6 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 66 1454 SH SOLE 1270 0 184
ALLSTATE CORP COM 020002101 53 1184 SH DEFINED 1184 0 0
ALLTELL CORPORATION 020039103 696 13960 SH SOLE 13960 0 0
ALLTELL CORPORATION 020039103 127 2558 SH DEFINED 2558 0 0
ALTRIA GROUP INC 02209S103 83 1541 SH SOLE 1541 0 0
ALTRIA GROUP INC 02209S103 506 9300 SH DEFINED 8800 0 500
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------- -------------- --------- -------- -------- --- ---- ------- ----------- -------- -------- --------
ALUMINUM CORP CHINA LTD SPONS ADR 022276109 32 400 SH SOLE 400 0 0
AMAZON COM INC COM 023135106 15 350 SH SOLE 350 0 0
AMBAC FINANCIAL GROUP INC 023139108 1 25 SH SOLE 25 0 0
AMBAC FINANCIAL GROUP INC 023139108 140 1900 SH DEFINED 1900 0 0
AMEREN CORP COM 023608102 119 2600 SH DEFINED 2600 0 0
AMERICA MOVIL ADS 02364W105 15 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 160 4870 SH SOLE 4870 0 0
AMERICAN ELEC PWR INC COM 025537101 178 5426 SH DEFINED 5426 0 0
AMERICAN EXPRESS CO COM 025816109 150 2911 SH SOLE 2911 0 0
AMERICAN EXPRESS CO COM 025816109 451 8700 SH DEFINED 8700 0 0
AMERICAN INTERNATIONAL GROUP 026874107 2060 28881 SH SOLE 28481 0 400
AMERICAN INTERNATIONAL GROUP 026874107 3045 42689 SH DEFINED 39064 2750 875
AMERICAN ITALIAN PASTA COMPANY CL A 027070101 19 500 SH DEFINED 0 500 0
AMETEK INC (NEW) 031100100 164 6400 SH SOLE 6400 0 0
AMETEK INC (NEW) 031100100 14 560 SH DEFINED 560 0 0
AMGEN INC 031162100 673 11585 SH SOLE 11585 0 0
AMGEN INC 031162100 181 3120 SH DEFINED 3120 0 0
AMSOUTH BANCORPORATION 032165102 39 1687 SH DEFINED 1687 0 0
ANADARKO PETE CORP COM 032511107 38 735 SH SOLE 735 0 0
ANADARKO PETE CORP COM 032511107 879 16950 SH DEFINED 16050 0 900
ANALOG DEVICES INC 032654105 3 75 SH SOLE 75 0 0
ANGLOGOLD LIMITED ADR'S PV R0.50 035128206 54 1300 SH DEFINED 300 1000 0
ANHEUSER BUSCH COS INC COM 035229103 858 16827 SH SOLE 15227 0 1600
ANHEUSER BUSCH COS INC COM 035229103 1197 23490 SH DEFINED 22015 1125 350
APACHE CORPORATION 037411105 133 3100 SH SOLE 3100 0 0
APOLLO GROUP INC CL A 037604105 80 940 SH DEFINED 540 0 400
APPLEBEE'S INTL INC 037899101 2068 50110 SH SOLE 49460 0 650
APPLEBEE'S INTL INC 037899101 1213 29395 SH DEFINED 26635 1410 1350
APPLERA CORP COM CELERA
GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0
APPLIED MATERIALS INC 038222105 6 288 SH SOLE 288 0 0
APPLIED MATERIALS INC 038222105 74 3500 SH DEFINED 3500 0 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 1 100 SH SOLE 100 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 156 3348 SH SOLE 3348 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------- -------------- --------- -------- -------- --- ---- ------- ----------- -------- -------- --------
AUTHENTIDATE HOLDING CORP 052666104 13 1000 SH SOLE 1000 0 0
AUTOMATIC DATA PROCESSING 053015103 698 16640 SH SOLE 16640 0 0
AUTOMATIC DATA PROCESSING 053015103 927 22080 SH DEFINED 19180 2900 0
AVAYA INC COM USD .01 053499109 1 102 SH SOLE 102 0 0
AVAYA INC COM USD .01 053499109 36 2321 SH DEFINED 2321 0 0
AVENTIS ADR 053561106 4 55 SH SOLE 55 0 0
AVERY DENNISON CORP 053611109 2 45 SH SOLE 45 0 0
AVERY DENNISON CORP 053611109 21 350 SH DEFINED 350 0 0
AVON PRODUCTS 054303102 7 100 SH SOLE 100 0 0
AVON PRODUCTS 054303102 37 500 SH DEFINED 500 0 0
AXA ADR 054536107 3 160 SH SOLE 160 0 0
AXA ADR 054536107 6 300 SH DEFINED 300 0 0
BB&T CORP 054937107 16 472 SH SOLE 472 0 0
BASF AG ADR 055262505 21 417 SH SOLE 417 0 0
BCE INC COM 05534B109 2 100 SH SOLE 100 0 0
BJ SERVICES CO 055482103 2 61 SH SOLE 61 0 0
BOC GROUP PLC ADR 055617609 16 500 SH DEFINED 500 0 0
BP PLC 055622104 1122 21930 SH SOLE 20630 0 1300
BP PLC 055622104 1751 34200 SH DEFINED 32630 1570 0
BALLARD POWER SYSTEMS INC 05858H104 4 500 SH DEFINED 500 0 0
BANK AMERICA CORP COM 060505104 2353 29062 SH SOLE 28056 0 1006
BANK AMERICA CORP COM 060505104 1488 18387 SH DEFINED 17212 1175 0
BANK OF NEW YORK INC 064057102 607 19300 SH SOLE 19300 0 0
BANK OF NEW YORK INC 064057102 238 7568 SH DEFINED 7568 0 0
BK NOVA SCOTIA LA BANQUE DE
NOUVELLE ECOSSE 064149107 5 107 SH SOLE 107 0 0
BANC ONE CORP COM 06423A103 10 200 SH SOLE 200 0 0
BANC ONE CORP COM 06423A103 131 2415 SH DEFINED 2415 0 0
BARCLAYS PLC ADR 06738E204 6 190 SH SOLE 190 0 0
BARR PHARMACEUTICAL INC 068306109 41 900 SH DEFINED 0 0 900
BAUSCH & LOMB INC COM 071707103 59 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 43 1400 SH SOLE 1400 0 0
BAXTER INTERNATIONAL 071813109 30 1000 SH DEFINED 1000 0 0
BAY VIEW CAPITAL CORP 07262L101 4 2000 SH DEFINED 2000 0 0
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------- -------------- --------- -------- -------- --- ---- ------- ----------- -------- -------- --------
BEA SYSTEMS INC. 073325102 2 203 SH SOLE 203 0 0
BECTON DICKINSON & COMPANY 075887109 58 1200 SH DEFINED 1200 0 0
BED BATH & BEYOND 075896100 41 1000 SH DEFINED 1000 0 0
BEDFORD PROPERTY INVESTORS INC 076446301 3 100 SH DEFINED 100 0 0
BELLSOUTH CORP COM 079860102 122 4417 SH SOLE 4417 0 0
BELLSOUTH CORP COM 079860102 868 31390 SH DEFINED 28890 2100 400
BELO CORP SR A 080555105 3 124 SH SOLE 124 0 0
BEMA GOLD CORPORATION 08135F107 18 5000 SH DEFINED 0 5000 0
BEST BUY COMPANY INC 086516101 612 11838 SH SOLE 11800 0 38
BEST BUY COMPANY INC 086516101 362 7010 SH DEFINED 6660 350 0
BIOGEN IDEC INC 09062X103 3 68 SH SOLE 68 0 0
BIOVAIL CORPORATION 09067J109 889 57035 SH SOLE 56135 0 900
BIOVAIL CORPORATION 09067J109 500 32070 SH DEFINED 29300 1895 875
BLACK & DECKER CORP COM 091797100 22 400 SH DEFINED 400 0 0
BLOCK H & R INC COM 093671105 2 47 SH SOLE 47 0 0
BLOCK H & R INC COM 093671105 40 800 SH DEFINED 800 0 0
BOEING CO COM 097023105 171 4165 SH SOLE 100 0 4065
BOEING CO COM 097023105 8 200 SH DEFINED 200 0 0
BOISE CASCADE CORP 097383103 1 49 SH SOLE 49 0 0
BOISE CASCADE CORP 097383103 15 437 SH DEFINED 437 0 0
BOSTON PROPERTIES INC. 101121101 13 250 SH SOLE 250 0 0
BOSTON SCIENTIFIC CORP. 101137107 67 1600 SH DEFINED 1600 0 0
BRIGGS & STRATTON CORPORATION 109043109 1 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 1326 54770 SH SOLE 52120 0 2650
BRISTOL-MYERS SQUIBB 110122108 2300 94999 SH DEFINED 92299 1700 1000
BROADCOM CORPORATION COM 111320107 11 300 SH DEFINED 0 0 300
BROWN FORMAN DISTILLERS
CORPCLASS 'A' VOTING 115637100 60 1200 SH DEFINED 1200 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 663 15350 SH SOLE 15350 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 624 14450 SH DEFINED 13950 500 0
BURLINGTON NORTHERN SANTA FE
CORP 12189T104 35 1131 SH SOLE 750 0 381
BURLINGTON NORTHERN SANTA FE
CORP 12189T104 114 3649 SH DEFINED 2529 1120 0
BURLINGTON RESOURCES 122014103 63 1000 SH DEFINED 1000 0 0
CRACKER BARREL GROUP INC 12489V106 32 825 SH SOLE 825 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------- -------------- --------- -------- -------- --- ---- ------- ----------- -------- -------- --------
CSX CORP COM 126408103 12 400 SH SOLE 400 0 0
CSX CORP COM 126408103 36 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 72 2058 SH SOLE 2058 0 0
CVS CORP COM 126650100 513 14565 SH DEFINED 11715 2850 0
CABLE & WIRELESS 126830207 25 3600 SH SOLE 3600 0 0
CADBURY SCHWEPPES PLC ADR 127209302 7 240 SH SOLE 240 0 0
CAL DIVE INTL INC 127914109 18 700 SH DEFINED 700 0 0
CALPINE CORP 131347106 9 2000 SH DEFINED 2000 0 0
CAMPBELL SOUP CO COM 134429109 54 2000 SH DEFINED 2000 0 0
CANON INC ADR 138006309 5 100 SH SOLE 100 0 0
CAPITAL ONE FINANCIAL 14040H105 3405 45145 SH SOLE 44345 0 800
CAPITAL ONE FINANCIAL 14040H105 1769 23465 SH DEFINED 20490 1900 1075
CARDINAL HEALTH 14149Y108 1661 24115 SH SOLE 23440 0 675
CARDINAL HEALTH 14149Y108 921 13370 SH DEFINED 11870 1500 0
CAREER EDUCATION CORP 141665109 2084 36860 SH SOLE 36060 0 800
CAREER EDUCATION CORP 141665109 1265 22375 SH DEFINED 21075 300 1000
CAREMARK RX INC 141705103 3 109 SH SOLE 109 0 0
CARMAX INC 143130102 87 3000 SH SOLE 3000 0 0
CATERPILLAR INC 149123101 23 300 SH SOLE 300 0 0
CATERPILLAR INC 149123101 189 2400 SH DEFINED 2400 0 0
CENDANT CORPORATION 151313103 4 200 SH DEFINED 200 0 0
CENTER BANCORP INC COM 151408101 140 8864 SH DEFINED 8864 0 0
CENTERPOINT ENERGY INC 15189T107 12 1100 SH DEFINED 1100 0 0
CENTURYTEL INC 156700106 76 2800 SH SOLE 2800 0 0
CERTEGY INC 156880106 29 850 SH SOLE 850 0 0
CERTEGY INC 156880106 11 325 SH DEFINED 325 0 0
CHESAPEAKE ENERGY CORP 165167107 30 2300 SH DEFINED 2300 0 0
CHEVRONTEXACO CORP 166764100 2065 23527 SH SOLE 21327 0 2200
CHEVRONTEXACO CORP 166764100 1832 20880 SH DEFINED 19480 1300 100
CHICO'S FAS INC 168615102 3 72 SH SOLE 72 0 0
CHINA MOBILE HONG KONG LTD ADR 16941M109 67 4600 SH DEFINED 1800 0 2800
CHOICEPOINT INC COM 170388102 53 1400 SH DEFINED 0 0 1400
CHORDIANT SOFTWARE INC. 170404107 1 240 SH DEFINED 240 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
THE CHUBB CORPORATION 171232101 962 13842 SH SOLE 13842 0 0
THE CHUBB CORPORATION 171232101 1116 16050 SH DEFINED 15950 100 0
CHURCH & DWIGHT INC COM 171340102 86 2000 SH DEFINED 2000 0 0
CIENA CORPORATION 171779101 1 300 SH DEFINED 300 0 0
CIGNA INVESTMENT SECURITIES,
INC. 17179X106 37 2191 SH DEFINED 2191 0 0
CIMAREX ENERGY CO 171798101 57 2000 SH DEFINED 2000 0 0
CINERGY CORP 172474108 10 250 SH DEFINED 250 0 0
CISCO SYS INC 17275R102 1908 81015 SH SOLE 81015 0 0
CISCO SYS INC 17275R102 1659 70444 SH DEFINED 69044 0 1400
CINTAS CORP 172908105 160 3700 SH SOLE 3700 0 0
CITIGROUP INC 172967101 2337 45212 SH SOLE 42762 0 2450
CITIGROUP INC 172967101 4210 81434 SH DEFINED 81004 430 0
CITRIX SYSTEMS INC 177376100 2 100 SH DEFINED 100 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 1615 38164 SH SOLE 38164 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 1271 30025 SH DEFINED 28725 800 500
CLOROX CO DEL COM 189054109 4 100 SH DEFINED 100 0 0
COACH INC. 189754104 2 71 SH SOLE 71 0 0
COCA COLA CO COM 191216100 166 3307 SH SOLE 3307 0 0
COCA COLA CO COM 191216100 407 8100 SH DEFINED 7600 500 0
COGNIZANT TECHNOLOGY CO 192446102 12 273 SH DEFINED 273 0 0
COLGATE PALMOLIVE CO COM 194162103 957 17386 SH SOLE 17286 0 100
COLGATE PALMOLIVE CO COM 194162103 1002 18197 SH DEFINED 17847 350 0
COMCAST CORP NEW CLASS A 20030N101 52 1811 SH SOLE 1763 0 48
COMCAST CORP NEW CLASS A 20030N101 130 4547 SH DEFINED 4264 283 0
COMERICA INC. CO 200340107 20 375 SH DEFINED 375 0 0
COMPASS BANCSHARES INC COM 20449H109 10 250 SH SOLE 250 0 0
CONAGRA FOODS INC COM 205887102 5 200 SH SOLE 200 0 0
CONAGRA FOODS INC COM 205887102 43 1600 SH DEFINED 600 1000 0
CONOCOPHILLIPS CORP 20825C104 62 890 SH SOLE 890 0 0
CONOCOPHILLIPS CORP 20825C104 695 9970 SH DEFINED 8970 0 1000
CONSOLIDATED EDISON COM 209115104 180 4092 SH SOLE 3692 0 400
CONSOLIDATED EDISON COM 209115104 63 1448 SH DEFINED 648 800 0
CONSTELLATION BRANDS INC CL A 21036P108 944 29420 SH SOLE 29220 0 200
CONSTELLATION BRANDS INC CL A 21036P108 1087 33875 SH DEFINED 31375 450 2050
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
CONSTELLATION ENERGY GROUP
INC COM 210371100 95 2400 SH DEFINED 2400 0 0
CONTINENTAL AIRLINES INC CL B 210795308 7 600 SH DEFINED 600 0 0
CORINTHIAN COLLEGES INC 218868107 345 10464 SH SOLE 10400 0 64
CORINTHIAN COLLEGES INC 218868107 367 11150 SH DEFINED 10550 600 0
CORN PRODS INTL INC COM 219023108 24 600 SH DEFINED 600 0 0
CORNING INC 219350105 43 3900 SH SOLE 3900 0 0
CORNING INC 219350105 95 8550 SH DEFINED 8550 0 0
CORPORATE HIGH YIELD FUND III
INC 219925104 17 2000 SH DEFINED 2000 0 0
CORRECTIONS CORP AMER NEW 22025Y407 3 100 SH DEFINED 100 0 0
COSTCO WHOLESALE CORPORATION 22160K105 2292 60960 SH SOLE 60960 0 0
COSTCO WHOLESALE CORPORATION 22160K105 1382 36750 SH DEFINED 34250 1700 800
COX COMMUNICATIONS INC NEW CL
A 224044107 19 604 SH DEFINED 604 0 0
CREDIT SUISSE GROUP ADR 225401108 3 95 SH SOLE 95 0 0
CUBIST PHARMACEUTICAL INC 229678107 2 300 SH DEFINED 300 0 0
CUMMINS ENGINE INC 231021106 233 4000 SH DEFINED 4000 0 0
CYPRESS SEMICONDUCTOR CORP 232806109 2 133 SH SOLE 133 0 0
CYTEC INDUSTRIES INC 232820100 0 10 SH SOLE 10 0 0
DTE ENERGY CO COM 233331107 73 1775 SH SOLE 1775 0 0
DTE ENERGY CO COM 233331107 129 3154 SH DEFINED 3154 0 0
DANAHER CORP 235851102 9 100 SH SOLE 100 0 0
DARDEN RESTAURANTS 237194105 3 127 SH SOLE 127 0 0
DARDEN RESTAURANTS 237194105 27 1100 SH DEFINED 1100 0 0
DATATEC SYSTEMS INC 238128102 0 500 SH DEFINED 500 0 0
DECODE GENETICS INC 243586104 6 619 SH DEFINED 619 0 0
DEERE & COMPANY 244199105 672 9700 SH DEFINED 9200 0 500
DEL MONTE FOODS CO 24522P103 3 300 SH SOLE 300 0 0
DEL MONTE FOODS CO 24522P103 2 198 SH DEFINED 198 0 0
DELL INC 24702R101 1975 58771 SH SOLE 57271 0 1500
DELL INC 24702R101 1727 51390 SH DEFINED 45365 3175 2850
DELPHI CORPORATION CORP 247126105 1 116 SH SOLE 116 0 0
DELPHI CORPORATION CORP 247126105 3 313 SH DEFINED 313 0 0
DELTIC TIMBER CORP 247850100 177 5000 SH DEFINED 5000 0 0
DEPOMED INC 249908104 7 1000 SH SOLE 1000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
DEVELOPERS DIVERSIFIED 251591103 7 179 SH DEFINED 179 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 1 20 SH SOLE 0 0 20
DIAGEO PLC SPONSERED ADR 25243Q205 5 100 SH SOLE 100 0 0
DIAMOND OFFSHORE DRILLING
INC 25271C102 2 104 SH SOLE 104 0 0
DIAMONDS TRUST SER I 252787106 20 200 SH DEFINED 200 0 0
DIEBOLD INC 253651103 24 500 SH SOLE 500 0 0
DIEBOLD INC 253651103 211 4400 SH DEFINED 4400 0 0
DISNEY WALT CO COM DISNEY 254687106 1119 44796 SH SOLE 44796 0 0
DISNEY WALT CO COM DISNEY 254687106 781 31302 SH DEFINED 29279 2023 0
DOLLAR TREE STORES INC 256747106 6 200 SH DEFINED 200 0 0
DOMINION RES INC 25746U109 41 639 SH SOLE 639 0 0
DOMINION RES INC 25746U109 502 7817 SH DEFINED 6721 1096 0
DONALDSON INC 257651109 621 23450 SH SOLE 23450 0 0
DONALDSON INC 257651109 279 10550 SH DEFINED 10550 0 0
DOVER CORPORATION 260003108 128 3315 SH SOLE 3315 0 0
DOW CHEM CO COM 260543103 369 9172 SH SOLE 9172 0 0
DOW CHEM CO COM 260543103 516 12822 SH DEFINED 10422 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 384 9107 SH SOLE 9107 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 700 16590 SH DEFINED 15390 0 1200
DUKE ENERGY CORP COM 264399106 517 22914 SH SOLE 22914 0 0
DUKE ENERGY CORP COM 264399106 357 15833 SH DEFINED 13933 1900 0
DUN & BRADSTREET CORP DEL
NEW COM 26483E100 32 600 SH SOLE 600 0 0
DYAX CORPORATION 26746E103 20 2000 SH SOLE 2000 0 0
E M C CORPORATION 268648102 114 8425 SH SOLE 8425 0 0
E M C CORPORATION 268648102 93 6860 SH DEFINED 6860 0 0
EMS TECHNOLOGIES INC 26873N108 5 300 SH DEFINED 300 0 0
ENI S P A ADR 26874R108 5 55 SH SOLE 55 0 0
EOG RES INC 26875P101 114 2500 SH DEFINED 2500 0 0
EP MEDSYSTEMS INC 26881P103 3 1000 SH DEFINED 1000 0 0
E*TRADE FINANCIAL CORP 269246104 10 800 SH DEFINED 800 0 0
EASTMAN CHEMICAL COMPANY 277432100 4 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 9 351 SH SOLE 0 0 351
EASTMAN KODAK CO COM 277461109 13 500 SH DEFINED 0 0 500
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
EASYLINK SERVICES CORP CLASS A 27784T200 0 150 SH DEFINED 150 0 0
EATON VANCE CORP 278265103 38 1000 SH SOLE 1000 0 0
EBAY INC 278642103 19 280 SH SOLE 280 0 0
ELECTRONIC ARTS INC 285512109 5 100 SH SOLE 100 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 16 829 SH SOLE 829 0 0
EMERSON ELEC CO COM 291011104 212 3550 SH SOLE 3550 0 0
EMERSON ELEC CO COM 291011104 707 11808 SH DEFINED 11808 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 201 3950 SH SOLE 3950 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 360 7050 SH DEFINED 6250 800 0
ENDESA S A ADR 29258N107 5 285 SH SOLE 285 0 0
ENERGEN CORP COM 29265N108 49 1200 SH DEFINED 1200 0 0
ENERGY EAST CORP COM 29266M109 150 5950 SH DEFINED 5950 0 0
ENERPLUS RESOURCES FUND TRUST
UNITS 29274D604 128 4400 SH DEFINED 0 4400 0
ENGELHARD CORP COM 292845104 75 2530 SH DEFINED 2530 0 0
ENTERGY CORP NEW COM 29364G103 148 2500 SH DEFINED 2500 0 0
ENTREMED INC COM 29382F103 4 1200 SH DEFINED 900 0 300
EQUIFAX, INC. 294429105 43 1700 SH SOLE 1700 0 0
EQUIFAX, INC. 294429105 16 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 44 1000 SH DEFINED 1000 0 0
EQUITY INCOME FUND EXCHANGE
SER.AT&T SHS 1ST 294700703 47 576 SH DEFINED 576 0 0
EQUITY OFFICE PPTYS TR COM 294741103 5 190 SH SOLE 190 0 0
EQUITY OFFICE PPTYS TR COM 294741103 28 1000 SH DEFINED 1000 0 0
EQUITY RESIDENTIAL SBI 29476L107 37 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL SBI 29476L107 5 200 SH DEFINED 200 0 0
ETHYL CORP 297659609 6 320 SH SOLE 0 0 320
EVERGREEN INC ADVANTAGE FUND 30023Y105 0 9 SH SOLE 9 0 0
EXATECH INC 30064E109 18 1000 SH DEFINED 1000 0 0
EXELON CORP COM 30161N101 1 23 SH SOLE 23 0 0
EXELON CORP COM 30161N101 40 594 SH DEFINED 594 0 0
EXXON MOBIL CORP COM 30231G102 5139 123587 SH SOLE 121587 0 2000
EXXON MOBIL CORP COM 30231G102 11383 273717 SH DEFINED 243189 18944 11584
FPL GROUP INC COM 302571104 350 5250 SH SOLE 5250 0 0
FPL GROUP INC COM 302571104 401 6000 SH DEFINED 6000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
FAIR ISSAC CORP 303250104 2 66 SH SOLE 66 0 0
FAIRCHILD SEMICONDUCTOR INTL 303726103 2 107 SH SOLE 107 0 0
FAMILY DEALER STORES INC 307000109 5 147 SH SOLE 147 0 0
FEDERAL HOME LOAN MORTGAGE
CORPORATION COMMON 313400301 11 195 SH SOLE 195 0 0
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 1199 16129 SH SOLE 16075 0 54
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 769 10355 SH DEFINED 8405 1950 0
FEDERAL REALTY INVESTMENT
TRUST 313747206 19 423 SH DEFINED 423 0 0
FEDERATED DEPARTMENT STORES
INC 31410H101 2 49 SH SOLE 49 0 0
FEDEX CORPORATION 31428X106 37 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 11 200 SH SOLE 200 0 0
FIRST DATA CORPORATION 319963104 2381 56508 SH SOLE 54383 0 2125
FIRST DATA CORPORATION 319963104 615 14600 SH DEFINED 12475 2125 0
FIRSTENERGY CORP COM 337932107 27 700 SH DEFINED 700 0 0
FLAHERTY & CRUMRINE PFD SECS
INCOME FUND 338478100 0 17 SH SOLE 17 0 0
FLEETBOSTON FINANCIAL CORP COM 339030108 1830 40763 SH DEFINED 40663 100 0
FLOWER FOODS INC 343498101 29 1125 SH DEFINED 1125 0 0
FORD MOTOR CO DEL 345370860 2 200 SH SOLE 200 0 0
FORD MOTOR CO DEL 345370860 37 2771 SH DEFINED 1723 1048 0
FORDING CANADIAN COAL 345425102 169 4200 SH DEFINED 4200 0 0
FOREST LABORATORIES INC 345838106 1482 20705 SH SOLE 19875 0 830
FOREST LABORATORIES INC 345838106 1077 15050 SH DEFINED 14450 200 400
FORTUNE BRANDS INC COM 349631101 1387 18108 SH SOLE 17580 0 528
FORTUNE BRANDS INC COM 349631101 530 6925 SH DEFINED 6025 900 0
FOUNDRY NETWORKS INC 35063R100 2 146 SH SOLE 146 0 0
FRANKLIN RESOURCES INC 354613101 83 1500 SH SOLE 1500 0 0
GABLES RESIDENTIAL TRUST 362418105 36 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC SPONSORED
ADR 363595109 25 528 SH SOLE 0 0 528
GALLAHER GROUP PLC SPONSORED
ADR 363595109 102 2137 SH DEFINED 2137 0 0
GANNETT COMPANY INC 364730101 88 1000 SH SOLE 1000 0 0
GAP INC 364760108 3 150 SH SOLE 150 0 0
GARTNER GROUP INC NEW
CL B 366651206 4 417 SH SOLE 417 0 0
GEMSTAR TV GUIDE INTL INC 36866W106 2 385 SH SOLE 385 0 0
GENENTECH INC 368710406 1171 11070 SH SOLE 11070 0 0
GENENTECH INC 368710406 1142 10800 SH DEFINED 10500 0 300
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GENERAL DYNAMICS CORP 369550108 37 425 SH SOLE 425 0 0
GENERAL ELEC CO COM 369604103 6417 210276 SH SOLE 205694 0 4582
GENERAL ELEC CO COM 369604103 8650 283442 SH DEFINED 257460 22982 3000
GENERAL MILLS, INC 370334104 23 500 SH DEFINED 0 500 0
GENERAL MTRS CORP COM 370442105 611 12982 SH SOLE 11232 0 1750
GENERAL MTRS CORP COM 370442105 565 12009 SH DEFINED 10759 1250 0
GENVEC INC 37246C109 1 500 SH DEFINED 500 0 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 5 155 SH SOLE 155 0 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 107 3193 SH DEFINED 3193 0 0
GILLETTE COMPANY 375766102 152 3900 SH SOLE 3900 0 0
GILLETTE COMPANY 375766102 144 3700 SH DEFINED 3700 0 0
GLAMIS GOLD LTD
COMMON 376775102 18 1000 SH DEFINED 0 1000 0
GLAXO SMITHKLINE PLC SPONSORED
ADR 37733W105 250 6280 SH SOLE 6280 0 0
GLAXO SMITHKLINE PLC SPONSORED
ADR 37733W105 200 5012 SH DEFINED 5012 0 0
GOLDCORP INC 380956409 14 1000 SH DEFINED 0 1000 0
GOLDEN STAR RESOURCES LTD 38119T104 21 3000 SH DEFINED 0 3000 0
GOLDMAN SACHS GROUP 38141G104 156 1500 SH SOLE 1500 0 0
GOLDMAN SACHS GROUP 38141G104 230 2210 SH DEFINED 2210 0 0
GTECH HOLDINGS CORP 400518106 3 52 SH SOLE 52 0 0
GULFTERRA ENERGY PARTNERS LP 40274U108 6 150 SH DEFINED 150 0 0
HRPT PPTYS TR COMM SH BEN INT 40426W101 101 9000 SH DEFINED 9000 0 0
HSBC HOLDINGS ADR 404280406 21 291 SH SOLE 85 0 206
HSBC HOLDINGS ADR 404280406 59 802 SH DEFINED 802 0 0
HAIN CELESTIAL GROUP INC 405217100 14 650 SH DEFINED 650 0 0
HALLIBURTON CO COM 406216101 38 1275 SH SOLE 459 0 816
HALLIBURTON CO COM 406216101 222 7332 SH DEFINED 7332 0 0
JOHN HANCOCK INCOME
SECURITIES TRUST 410123103 4 267 SH DEFINED 267 0 0
HANCOCK JOHN PATRIOT PREMIUM
DIVIDEND FUND II 41013T105 13 1100 SH DEFINED 1100 0 0
JOHN HANCOCK FINANCIAL
SERVICES,INC. 41014S106 44 1014 SH DEFINED 1014 0 0
JOHN HANCOCK PFD INCOME
FUND III 41021P103 51 2000 SH DEFINED 0 2000 0
HARLEY DAVIDSON 412822108 17 330 SH SOLE 330 0 0
HARLEY DAVIDSON 412822108 234 4400 SH DEFINED 4400 0 0
HARMONY GOLD MINING ADR 413216300 15 1000 SH DEFINED 0 1000 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
HARTFORD FINL SVCS GROUP INC COM 416515104 70 1100 SH SOLE 1100 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 70 1112 SH DEFINED 1112 0 0
HAWAIIAN ELECTRIC INDUSTRIES INC 419870100 25 500 SH SOLE 500 0 0
H.J. HEINZ COMPANY 423074103 33 910 SH DEFINED 910 0 0
HERSHEY FOODS CORP COM 427866108 2 35 SH SOLE 35 0 0
HERSHEY FOODS CORP COM 427866108 248 3000 SH DEFINED 2400 0 600
HEWLETT PACKARD CO COM 428236103 41 1823 SH SOLE 1823 0 0
HEWLETT PACKARD CO COM 428236103 183 8031 SH DEFINED 4831 2000 1200
HITACHI LTD ADR 433578507 2 30 SH SOLE 30 0 0
HOME DEPOT, INC 437076102 2095 56079 SH SOLE 53379 0 2700
HOME DEPOT, INC 437076102 2575 68942 SH DEFINED 66742 1050 1150
HONEYWELL INTERNATIONAL INC COM 438516106 155 4598 SH SOLE 2494 0 2104
HONEYWELL INTERNATIONAL INC COM 438516106 184 5458 SH DEFINED 5458 0 0
HUDSON CITY BANCORP 443683107 188 5000 SH SOLE 5000 0 0
HUDSON CITY BANCORP 443683107 82 2200 SH DEFINED 2200 0 0
HUDSON UNITED BANCORP 444165104 19 500 SH DEFINED 500 0 0
IMS HEALTH INCORPORATED 449934108 61 2632 SH DEFINED 2632 0 0
ITT INDUSTRIES INC COM 450911102 52 682 SH SOLE 550 0 132
ITT INDUSTRIES INC COM 450911102 42 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 35 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 8 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 119 4000 SH DEFINED 4000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 28 361 SH DEFINED 361 0 0
IMAGISTICS INTERNATIONAL INC 45247T104 17 400 SH DEFINED 400 0 0
INDYMAC BANCORP INC 456607100 36 1000 SH DEFINED 1000 0 0
INTEL CORP COM 458140100 1709 62851 SH SOLE 61001 0 1850
INTEL CORP COM 458140100 1974 72580 SH DEFINED 68880 3700 0
INTERACTIVECORP 45840Q101 4 154 SH SOLE 154 0 0
INTERMEDIATE MUNICIPAL FUND INC 45880P104 20 2000 DEFINED 2000 0 0
INTL BUSINESS MACHINE CORP COMMON 459200101 2757 30027 SH SOLE 28827 0 1200
INTL BUSINESS MACHINE CORP COMMON 459200101 5444 59279 SH DEFINED 56407 1272 1600
INTL PAPER CO COM 460146103 3 72 SH SOLE 72 0 0
INTL PAPER CO COM 460146103 153 3626 SH DEFINED 3626 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
--------------------------------- -------------- --------- ------- ------- --- ---- ------- -------- ------ ------ ----
INTERNET HOLDERS TRUST 46059W102 5 100 SH SOLE 100 0 0
INTEVAC INC 461148108 34 3300 SH DEFINED 0 3300 0
INTUIT 461202103 4 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 2 37 SH SOLE 37 0 0
INVITROGEN CORP 46185R100 48 683 SH DEFINED 683 0 0
I SHARES INC 464286608 5 95 SH DEFINED 95 0 0
ISHARES TR S&P 500 INDEX FUND 464287200 30 269 SH SOLE 269 0 0
I SHARES TR MSCI EMERGING
MKTS INDEX FD 464287234 105 600 SH SOLE 600 0 0
ISHARES TR COHEN & STEERS REALTY
MAJORS INDEX FD 464287564 11 94 SH SOLE 94 0 0
I SHARES TR S&P MIDCAP 400 BARRA
GRWTH INDEX FD 464287606 9 80 SH SOLE 80 0 0
ISHARES TR RUSSELL 2000
INDEX FUND 464287655 101 865 SH SOLE 865 0 0
I SHARES TR S&P SMALLCAP 600BARRA
GRWTH INDEX FD 464287887 10 110 SH SOLE 110 0 0
I SHARES TR S&P SMALLCAP 600BARRA
GRWTH INDEX FD 464287887 6 65 SH DEFINED 65 0 0
IVAX CORP 465823102 4 200 SH DEFINED 200 0 0
J P MORGAN CHASE & CO 46625H100 558 13314 SH SOLE 13314 0 0
J P MORGAN CHASE & CO 46625H100 1877 44757 SH DEFINED 43277 1480 0
JABIL CIRCUIT INC 466313103 4 150 SH SOLE 150 0 0
JABIL CIRCUIT INC 466313103 7 250 SH DEFINED 250 0 0
JEFFERSON PILOT CORPORATION 475070108 47 859 SH SOLE 859 0 0
JEFFERSON PILOT CORPORATION 475070108 47 859 SH DEFINED 859 0 0
JETBLUE AIRWAYS 477143101 7 300 SH DEFINED 300 0 0
JOHNSON & JOHNSON COM 478160104 3217 63440 SH SOLE 61840 0 1600
JOHNSON & JOHNSON COM 478160104 7268 143298 SH DEFINED 134673 6775 1850
JOHNSON CTLS INC COM 478366107 11 200 SH SOLE 200 0 0
JOHNSON CTLS INC COM 478366107 212 3600 SH DEFINED 3600 0 0
JONES APPAREL GROUP INC 480074103 1 50 SH SOLE 50 0 0
JUNIPER NETWORKS 48203R104 4 188 SH SOLE 188 0 0
KLA TENCOR CORP 482480100 2 59 SH SOLE 59 0 0
KADANT INC 48282T104 11 558 SH DEFINED 558 0 0
KANEB PIPE LINE PARTNERS LP 484169107 299 5600 SH DEFINED 5600 0 0
KEMET CORP 488360108 14 1000 SH DEFINED 1000 0 0
KERR MCGEE CORP 492386107 0 18 SH DEFINED 18 0 0
KEYSPAN CORP COM 49337W100 51 1341 SH DEFINED 1341 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- ------ ------ -----
KEYSTONE PROPERTY TRUST MD 493596100 38 1600 SH DEFINED 1600 0 0
KIMBERLY-CLARK CORPORATION 494368103 252 3998 SH SOLE 3998 0 0
KIMBERLY-CLARK CORPORATION 494368103 198 3150 SH DEFINED 3150 0 0
KIMCO REALTY CORPORATION 49446R109 333 6550 SH SOLE 6550 0 0
KIMCO REALTY CORPORATION 49446R109 519 10200 SH DEFINED 8450 1750 0
KINDER MORGAN ENERGY PARTNERS L P 494550106 238 5300 SH DEFINED 5300 0 0
KING PHARMACEUTICALS INC 495582108 33 2000 SH SOLE 2000 0 0
KING PHARMACEUTICALS INC 495582108 5 300 SH DEFINED 300 0 0
KNIGHT-RIDDER INC 499040103 1548 21134 SH SOLE 19684 0 1450
KNIGHT-RIDDER INC 499040103 1309 17875 SH DEFINED 15850 1150 875
KONINKLIJKE PHILIPS ELECTRS
N V SP ADR 500472303 8 291 SH DEFINED 291 0 0
KRAFT FOODS INC 50075N104 32 1000 SH DEFINED 1000 0 0
KRAMONT REALTY TRUST COM 50075Q107 15 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 6 200 SH DEFINED 200 0 0
KROGER COMPANY COM 501044101 7 457 SH SOLE 457 0 0
KROGER COMPANY COM 501044101 34 2100 SH DEFINED 2100 0 0
KROLL INC 501049100 26 1000 SH SOLE 1000 0 0
L-3 COMMUNICATIONS HLDGS INC 502424104 741 12474 SH SOLE 12374 0 100
L-3 COMMUNICATIONS HLDGS INC 502424104 939 15800 SH DEFINED 13725 1050 1025
LEAP FROG 52186N106 521 26950 SH SOLE 24750 0 2200
LEAP FROG 52186N106 170 8825 SH DEFINED 8825 0 0
LEHMAN BROTHERS HOLDINGS INC 524908100 8 100 SH SOLE 100 0 0
LENNAR CORP 526057104 2 50 SH SOLE 50 0 0
LENNAR CORP 526057104 108 2000 SH DEFINED 2000 0 0
LENNAR CORPORATION CLASS B COMMON 526057302 10 200 SH DEFINED 200 0 0
LEXMARK INTERNATIONAL INC CL A 529771107 1 21 SH SOLE 21 0 0
LIBERTY MEDIA CORP NEW COM
SERIAL A 530718105 1 175 SH SOLE 175 0 0
LIFELINE SYSTEMS INC 532192101 19 1000 SH SOLE 1000 0 0
LILLY ELI & CO COM 532457108 31 468 SH SOLE 468 0 0
LILLY ELI & CO COM 532457108 555 8296 SH DEFINED 7896 0 400
LINCOLN NATIONAL CORP 534187109 75 1600 SH SOLE 1600 0 0
LOCKHEED MARTIN CORP 539830109 305 6700 SH SOLE 6700 0 0
LOCKHEED MARTIN CORP 539830109 4 100 SH DEFINED 100 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
--------------------------------- -------------- --------- ------- ------- --- ---- ------- -------- ------ ------ -----
LOWES COMPANIES INC 548661107 944 16833 SH SOLE 16833 0 0
LOWES COMPANIES INC 548661107 418 7450 SH DEFINED 7250 200 0
LUBRIZOL CORP COM 549271104 62 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 30 7375 SH SOLE 7247 0 128
LUCENT TECHNOLOGY INC 549463107 128 31245 SH DEFINED 30121 1124 0
MBIA, INC 55262C100 1641 26185 SH SOLE 25785 0 400
MBIA, INC 55262C100 1316 21000 SH DEFINED 19300 300 1400
MBNA CORPORATION 55262L100 11 423 SH SOLE 423 0 0
MBNA CORPORATION 55262L100 93 3400 SH DEFINED 1400 0 2000
MFS CHARTER INCOME TRUST 552727109 131 14450 SH SOLE 14450 0 0
MFS CHARTER INCOME TRUST 552727109 13 1500 SH DEFINED 1500 0 0
MGI PHARMACEUTICALS 552880106 1 25 SH SOLE 25 0 0
MGI PHARMACEUTICALS 552880106 18 300 SH DEFINED 300 0 0
MACK-CALI REALTY CORP 554489104 17 400 SH SOLE 400 0 0
SMITH BARNEY MANAGED MUNICIPALS
PORTFOLIO,INC. 561662107 23 2000 DEFINED 2000 0 0
MANOR CARE INC NEW COM 564055101 3 97 SH SOLE 97 0 0
MANPOWER INC WISCONSIN 56418H100 3 72 SH SOLE 72 0 0
MARATHON OIL CORP 565849106 40 1200 SH DEFINED 1200 0 0
MARSH & MCLENNAN INC 571748102 24 525 SH SOLE 525 0 0
MARSHALL & ILSLEY CORP 571834100 503 13315 SH SOLE 12615 0 700
MARSHALL & ILSLEY CORP 571834100 474 12550 SH DEFINED 12150 0 400
MARRIOTT INTERNATIONAL-A 571903202 42 1000 SH DEFINED 1000 0 0
MASSMUTUAL PARTN INVS SH BEN INT 576299101 59 5200 SH SOLE 5200 0 0
MAXIM INTERGRATED PRODUCTS INC 57772K101 7 168 SH SOLE 168 0 0
MAYTAG CORPORATION 578592107 15 500 SH SOLE 500 0 0
MAYTAG CORPORATION 578592107 13 425 SH DEFINED 425 0 0
MCCLATCHY COMPANY 579489105 419 5909 SH SOLE 5909 0 0
MCCLATCHY COMPANY 579489105 387 5450 SH DEFINED 5450 0 0
MCCORMICK & CO INC COMMON
NON-VOTING 579780206 840 25060 SH SOLE 24960 0 100
MCCORMICK & CO INC COMMON
NON-VOTING 579780206 1309 39060 SH DEFINED 37760 700 600
MCDONALDS CORP COM 580135101 2 105 SH SOLE 105 0 0
MCDONALDS CORP COM 580135101 62 2200 SH DEFINED 2200 0 0
MCGRAW HILL COMPANIES INC 580645109 38 510 SH SOLE 510 0 0
MCGRAW HILL COMPANIES INC 580645109 127 1680 SH DEFINED 1680 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
--------------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------ ------ -----
MCKESSON CORPORATION 58155Q103 4 148 SH DEFINED 148 0 0
MEADWESTVACO CORP 583334107 56 2000 SH DEFINED 2000 0 0
MEDAREX INC 583916101 3 400 SH DEFINED 400 0 0
MEDCO HEALTH SOLUTIONS 58405U102 30 909 SH SOLE 909 0 0
MEDCO HEALTH SOLUTIONS 58405U102 83 2470 SH DEFINED 2326 144 0
MEDTRONIC INC 585055106 35 745 SH SOLE 745 0 0
MEDTRONIC INC 585055106 178 3740 SH DEFINED 3740 0 0
MELLON FINANCIAL CORP COM 58551A108 31 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 17 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 749 16967 SH SOLE 16967 0 0
MERCK & CO INC COM 589331107 2630 59550 SH DEFINED 58050 1200 300
MERCURY INTERACTIVE CORP 589405109 13 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 1 25 SH SOLE 25 0 0
MERRILL LYNCH & CO INC 590188108 154 2600 SH DEFINED 2600 0 0
METLIFE INC 59156R108 107 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 1352 54267 SH SOLE 54267 0 0
MICROSOFT CORP 594918104 1843 73950 SH DEFINED 67150 4850 1950
MIDDLESEX WATER CO COM 596680108 82 4000 SH DEFINED 4000 0 0
MILLENNIUM PHARMACEUTICALS 599902103 13 800 SH DEFINED 800 0 0
MIPS TECHNOLOGIES INC CLASS A 604567107 0 27 SH DEFINED 27 0 0
MOHAWK INDUSTRIES INC 608190104 2 32 SH SOLE 32 0 0
ROBERT MONDAVI 609200100 3 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 0 12 SH SOLE 12 0 0
MONSANTO CO NEW 61166W101 15 418 SH DEFINED 418 0 0
MOODYS CORP 615369105 84 1200 SH SOLE 1200 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 70 1225 SH SOLE 1225 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 325 5684 SH DEFINED 5684 0 0
MOTOROLA,INC 620076109 5 300 SH SOLE 300 0 0
MOTOROLA,INC 620076109 203 11550 SH DEFINED 8850 300 2400
MUNIHOLDING NY INSD FUND INC 625931100 18 1253 SH DEFINED 1253 0 0
MUNIHOLDINGS NEW JERSEY INS D
FUND INC 625936109 108 7200 DEFINED 7200 0 0
MURPHY OIL CORPORATION 626717102 125 2000 SH DEFINED 2000 0 0
MYLAN LABORATORUES INC 628530107 34 1500 SH DEFINED 1500 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
--------------------------------- -------------- --------- ------- ------- --- ---- ------- -------- ------ ------ -----
NUI HOLDING CORP 629431107 8 500 SH DEFINED 500 0 0
NAM TAI ELECTRONICS 629865205 35 1402 SH SOLE 1402 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 9 260 SH DEFINED 260 0 0
NASTECH PHARMACETICAL 631728409 7 600 SH SOLE 600 0 0
NASTECH PHARMACETICAL 631728409 10 800 SH DEFINED 400 400 0
NATIONAL CITY CORP 635405103 40 1150 SH SOLE 1150 0 0
NATIONAL CITY CORP 635405103 42 1200 SH DEFINED 0 1200 0
NATIONAL FUEL GAS CO N J COM 636180101 73 2992 SH DEFINED 2992 0 0
NATIONWIDE FINANCIAL SERVIC
ES CLASS A 638612101 4 112 SH DEFINED 112 0 0
NAUTILUS GROUP INC 63910B102 15 1000 SH DEFINED 1000 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NETWORK APPLIANCE INC 64120L104 17 803 SH SOLE 803 0 0
NEUROGEN CORP 64124E106 8 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES CORPORATION 646025106 45 1200 SH SOLE 1200 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 41 1500 SH DEFINED 400 1100 0
NEW YORK COMMUNITY BANCORP 649445103 2 80 SH SOLE 80 0 0
NEW YORK TIMES CO 650111107 154 3500 SH DEFINED 3500 0 0
NEWMONT MINING CORP 651639106 3 79 SH SOLE 0 0 79
NEWMONT MINING CORP 651639106 135 2900 SH DEFINED 1200 1000 700
NEWS CORP LTD SPNSRD ADR
REPRSNTNG 4 LTD VTG PFD 652487802 0 27 SH SOLE 27 0 0
NEWS CORP LTD SPNSRD ADR
REPRSNTNG 4 LTD VTG PFD 652487802 5 178 SH DEFINED 175 3 0
NEXTEL COMMUNICATIONS INC CL A 65332V103 25 1020 SH DEFINED 1020 0 0
NISOURCE INC COM 65473P105 10 500 SH SOLE 500 0 0
NISOURCE INC COM 65473P105 91 4300 SH DEFINED 4300 0 0
NOBEL LEARNING COMMUNITIES INC 654889104 27 4000 SH DEFINED 4000 0 0
NOKIA CORPORATION ADR 654902204 287 14166 SH SOLE 14166 0 0
NOKIA CORPORATION ADR 654902204 45 2250 SH DEFINED 1650 0 600
NOMURA HOLDINGS ADR 65535H208 3 200 SH SOLE 200 0 0
NORAM ENERGY CORP SUB
DEB CONV 6% 3/15/12 655419AC3 24 25000 PRN DEFINED 25000 0 0
NORDSON CORP 655663102 11 300 SH DEFINED 300 0 0
NORFOLK SOUTHERN CORP COM 655844108 165 7514 SH SOLE 7055 0 459
NORFOLK SOUTHERN CORP COM 655844108 111 5060 SH DEFINED 4700 360 0
NORSK HYDRO ADR 656531605 156 2222 SH DEFINED 2222 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ -------------- --------- ------- ------- --- ---- ------- -------- ------ ------ -----
NORTEL NETWORKS CORP NEW 656568102 0 23 SH SOLE 23 0 0
NORTEL NETWORKS CORP NEW 656568102 24 4100 SH DEFINED 3100 0 1000
NORTHERN BORDER PARTNERS L P
UNIT LTD PARTN 664785102 53 1275 SH SOLE 1275 0 0
NORTHERN BORDER PARTNERS L P
UNIT LTD PARTN 664785102 311 7400 SH DEFINED 7400 0 0
NORTHERN TRUST CORP 665859104 30 656 SH SOLE 656 0 0
NORTHROP GRUMMAN CORP 666807102 43 440 SH SOLE 440 0 0
NORTHROP GRUMMAN CORP 666807102 139 1414 SH DEFINED 1414 0 0
NOVARTIS AG ADRS 66987V109 20 470 SH SOLE 470 0 0
NOVARTIS AG ADRS 66987V109 21 500 SH DEFINED 500 0 0
NU HORIZON ELECTRONICS CORP 669908105 10 1000 SH DEFINED 1000 0 0
NOVELL INC 670006105 85 7500 SH DEFINED 7500 0 0
NSTAR COM 67019E107 20 405 SH SOLE 405 0 0
NUVEEN PERFORMANCE PLUS
MUNICIPAL FUND 67062P108 23 1500 SOLE 1500 0 0
NUVEEN MUNICIPAL MARKET
OPPORTUNITY FD COM 67062W103 147 9800 SH DEFINED 9800 0 0
OGE ENERGY CO. 670837103 52 2000 SH SOLE 2000 0 0
OGE ENERGY CO. 670837103 10 400 SH DEFINED 400 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 144 8658 SOLE 8658 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 116 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY
FUND INC 670984103 66 4070 SOLE 4070 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY
FUND INC 670984103 52 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED MUNICIPAL
INCOME FUND 670987106 27 1650 DEFINED 1650 0 0
NUVEEN NJ PREMIUM INCOME 67101N106 24 1493 SOLE 1493 0 0
NUVEEN NJ PREMIUM INCOME 67101N106 56 3400 DEFINED 3400 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 23 500 SH DEFINED 500 0 0
ONEOK INC NEW COM 682680103 90 4000 SH DEFINED 4000 0 0
ORACLE CORPORATION 68389X105 636 53050 SH SOLE 51800 0 1250
ORACLE CORPORATION 68389X105 304 25400 SH DEFINED 21800 0 3600
PG&E CORP COM 69331C108 11 400 SH DEFINED 400 0 0
PMC-SIERRA INC 69344F106 2 128 SH SOLE 128 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 218 3934 SH SOLE 3934 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 406 7331 SH DEFINED 6561 770 0
PPG INDS INC COM 693506107 174 3000 SH DEFINED 3000 0 0
PPL CORP 69351T106 9 200 SH SOLE 200 0 0
PPL CORP 69351T106 27 600 SH DEFINED 400 200 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
--------------------------------- -------------- --------- ------- ------- --- ---- ------- -------- ------ ------ -----
PACCAR INC COM 693718108 2 51 SH SOLE 51 0 0
PACCAR INC COM 693718108 69 1237 SH DEFINED 1237 0 0
PACIFIC ENERGY PARTNERS LP 69422R105 160 5650 SH DEFINED 5650 0 0
PALMONE INC 69713P107 0 18 SH SOLE 18 0 0
PARAGON TECHNOLOGIES INC 69912T108 10 1000 SH DEFINED 1000 0 0
PATERSON DENTAL CO 703412106 3 46 SH SOLE 46 0 0
PAYCHEX INC COM 704326107 106 3000 SH DEFINED 3000 0 0
PAYLESS SHOESOURCE,INC. 704379106 8 600 SH DEFINED 600 0 0
PEABODY ENERGY CORP 704549104 846 18200 SH SOLE 18200 0 0
PEABODY ENERGY CORP 704549104 499 10750 SH DEFINED 10250 0 500
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 8325 245882 SH SOLE 243882 0 2000
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 22320 659200 SH DEFINED 610955 48245 0
PENNGROWTH ENERGY TRUST 706902103 13 1000 SH SOLE 1000 0 0
PENN VA RESOURCE PARTNERS LP 707884102 21 600 SH SOLE 600 0 0
PENN VA RESOURCE PARTNERS LP 707884102 262 7450 SH DEFINED 7450 0 0
J.C.PENNEY CO.,INC. 708160106 180 5200 SH DEFINED 5000 200 0
PEOPLES ENERGY CORPORATION 711030106 53 1200 SH DEFINED 1200 0 0
PEOPLESOFT INC 712713106 1 100 SH SOLE 100 0 0
PEPCO HOLDINGS INC COM 713291102 102 5023 SH DEFINED 5023 0 0
PEPSICO INC COM 713448108 558 10377 SH SOLE 10377 0 0
PEPSICO INC COM 713448108 500 9291 SH DEFINED 9291 0 0
PEREGRINE PHARMACEUTICALS INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 95 4628 SH DEFINED 4628 0 0
PETROLEUM & RESOURCES CORPORATION 716549100 11 500 SH DEFINED 500 0 0
PFIZER INC COM 717081103 2989 85331 SH SOLE 83931 0 1400
PFIZER INC COM 717081103 3612 103086 SH DEFINED 92913 8823 1350
THE PHOENIX COMPANIES,INC. 71902E109 61 4553 SH SOLE 1124 0 3429
PIMCO MUNICIPAL INCOME FUND II 72200W106 59 4000 SH DEFINED 0 4000 0
PIMCO STRATEGIC GLOBAL GOVERNMENT
FUND COMMON 72200X104 39 3098 SH DEFINED 3098 0 0
PITNEY BOWES INC COM 724479100 216 5075 SH DEFINED 5075 0 0
PIXAR COM 725811103 4 70 SH SOLE 70 0 0
PLUM CREEK TIMBER CO INC COM 729251108 40 1249 SH DEFINED 1249 0 0
PRE-PAID LEGAL SERVICES 740065107 97 4000 SH SOLE 4000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PREFERRED INCOME STRATEGIES
FUND 74038E100 9 400 SH SOLE 400 0 0
PRIMEWEST ENERGY TRUST 741930309 20 1000 SH SOLE 1000 0 0
PROCTER & GAMBLE CO COM 742718109 3178 30307 SH SOLE 29807 0 500
PROCTER & GAMBLE CO COM 742718109 3478 33162 SH DEFINED 30947 1215 1000
PROGRESS ENERGY INC COM 743263105 9 200 SH SOLE 200 0 0
PROGRESSIVE CORP OHIO 743315103 16 189 SH SOLE 189 0 0
PROLOGIS TRUST 743410102 1784 49775 SH SOLE 49775 0 0
PROLOGIS TRUST 743410102 1630 45470 SH DEFINED 42400 3070 0
PROTECTIVE LIFE CORP 743674103 22 596 SH SOLE 596 0 0
PROVIDENT ENERGY TR UNIT 74386K104 69 8400 SH DEFINED 0 8400 0
PROVIDIAN FINANCIAL CORP 74406A102 9 700 SH SOLE 700 0 0
PRUDENTIAL FINANCIAL INC 744320102 108 2425 SH SOLE 1561 0 864
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 878 18693 SH SOLE 18693 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 1390 29608 SH DEFINED 25210 4398 0
PUGET ENERGY INC NEW 745310102 5 258 SH SOLE 258 0 0
PUTNAM HIGH YIELD MUNICIPAL
TRUST 746781103 35 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 6 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 16 500 SH DEFINED 500 0 0
QUALCOMM INC 747525103 70 1056 SH SOLE 1056 0 0
QUALCOMM INC 747525103 89 1350 SH DEFINED 1350 0 0
QUEST DIAGNOSTICS INC COM 74834L100 1725 20830 SH SOLE 20803 0 27
QUEST DIAGNOSTICS INC COM 74834L100 1226 14805 SH DEFINED 13705 100 1000
QUESTAR CORP 748356102 25 700 SH DEFINED 700 0 0
QUIXOTE CORP 749056107 31 1500 SH DEFINED 1500 0 0
QWEST COMMUNICATIONS INT'L 749121109 9 2245 SH DEFINED 2245 0 0
RF MICRO-DEVICES 749941100 6 800 SH DEFINED 800 0 0
RAINING DATA CORP 75087R108 17 4900 SH DEFINED 4900 0 0
RAMTRON INTL CORP COM NEW 751907304 0 282 SH DEFINED 282 0 0
RAYTHEON CO 755111507 36 1150 SH SOLE 1150 0 0
RAYTHEON CO 755111507 169 5419 SH DEFINED 5419 0 0
READERS DIGEST ASSN.CLASS A
NON VOTING 755267101 14 1000 SH DEFINED 1000 0 0
RED HAT INC COM 756577102 0 30 SH DEFINED 30 0 0
RELIANT RES INC 75952B105 7 867 SH DEFINED 867 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ROCKWELL AUTOMATION INC 773903109 3 100 SH SOLE 100 0 0
ROGERS COMMUNICATION INC. CL.B NON VOTING 775109200 130 7000 SH SOLE 7000 0 0
ROHM & HAAS COMPANY 775371107 3 83 SH SOLE 83 0 0
ROYAL BANK OF SCOTLAND GROUP PLC SER D 780097606 32 1200 SH DEFINED 1200 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 28 605 SH SOLE 605 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 736 15492 SH DEFINED 14492 1000 0
RUBY TUESDAY INC. 781182100 21 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 518 21124 SH SOLE 19020 0 2104
SBC COMMUNICATIONS INC 78387G103 1379 56204 SH DEFINED 48797 5407 2000
SLM CORP 78442P106 455 10875 SH SOLE 10875 0 0
SLM CORP 78442P106 125 3000 SH DEFINED 3000 0 0
STANDARD & POORS DEPOSITORY
RECEIPTS 78462F103 39 350 SH SOLE 350 0 0
STANDARD & POORS DEPOSITORY
RECEIPTS 78462F103 54 480 SH DEFINED 480 0 0
SAFEGUARD SCIENTIFIC INC.COM 786449108 7 2000 SH DEFINED 2000 0 0
SAFEWAY INC 786514208 4 200 SH DEFINED 200 0 0
THE ST. PAUL COMPANIES, INC COM 792860108 80 2000 SH DEFINED 2000 0 0
THE SALOMON BROTHERS FUND INC 795477108 14 1175 SH DEFINED 1175 0 0
SAN PAOLO - IMI S P A ADR 799175104 2 130 SH SOLE 130 0 0
SANCHEZ COMPUTER ASSOCIATES 799702105 6 1000 SH DEFINED 1000 0 0
SANMINA-SCI CORP 800907107 5 516 SH SOLE 516 0 0
SANMINA-SCI CORP 800907107 5 500 SH DEFINED 500 0 0
SARA LEE CORP COM 803111103 213 9779 SH SOLE 9779 0 0
SARA LEE CORP COM 803111103 21 1000 SH DEFINED 1000 0 0
SCANA CORP NEW 80589M102 127 3600 SH DEFINED 3600 0 0
SCHERING PLOUGH CORP COM 806605101 14 916 SH SOLE 916 0 0
SCHERING PLOUGH CORP COM 806605101 54 3388 SH DEFINED 3388 0 0
SCHLUMBERGER LTD COM 806857108 267 4196 SH SOLE 3696 0 500
SCHLUMBERGER LTD COM 806857108 589 9231 SH DEFINED 9231 0 0
CHARLES SCHWAB CORPORATION 808513105 6 545 SH SOLE 545 0 0
SCOTTISH PWR PLC ADR 81013T705 1 58 SH SOLE 58 0 0
SEA CONTAINERS LTD CLASS A COMMON 811371707 2 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 709 14275 SH SOLE 14275 0 0
SEALED AIR CORP NEW COM 81211K100 324 6519 SH DEFINED 6519 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SEARS ROEBUCK & CO COM 812387108 4 100 SH SOLE 0 0 100
SECTOR SPDR TR TECHNOLOGY 81369Y803 28 1400 SH SOLE 1400 0 0
SELECTIVE INS. GROUP INC. 816300107 420 12000 SH SOLE 12000 0 0
SEMPRA ENERGY COM 816851109 4 150 SH SOLE 150 0 0
SEMPRA ENERGY COM 816851109 50 1600 SH DEFINED 1600 0 0
SEPRACOR INC 817315104 30 640 SH SOLE 640 0 0
SHELL TRANSPORT & TRADING CO
PLC 822703609 23 600 SH SOLE 600 0 0
SIEBEL SYSTEMS 826170102 2 254 SH SOLE 254 0 0
SIEMENS AG SPONSORED ADR 826197501 34 465 SH SOLE 465 0 0
SIGMA-ALDRICH CORP 826552101 5 100 SH SOLE 100 0 0
SIGMATRON INTL INC COM 82661L101 8 725 SH SOLE 725 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SIMON PPTY GROUP INC NEW COM 828806109 1341 22960 SH SOLE 22960 0 0
SIMON PPTY GROUP INC NEW COM 828806109 1730 29615 SH DEFINED 28315 1300 0
SIRIUS SATELLITE RADIO INC 82966U103 3 1000 SH DEFINED 1000 0 0
SMITHFIELD FOODS 832248108 4 150 SH SOLE 150 0 0
J. M. SMUCKER CO 832696405 34 660 SH SOLE 660 0 0
J. M. SMUCKER CO 832696405 90 1716 SH DEFINED 1516 0 200
SONIC CORP 835451105 123 3600 SH SOLE 3600 0 0
SONIC CORP 835451105 42 1250 SH DEFINED 1250 0 0
SONOCO PRODUCTS 835495102 18 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH NEW
EA REPR 1 JAPANESE 835699307 25 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES, INC 838518108 6 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 133 4378 SH SOLE 4378 0 0
SOUTHERN CO COM 842587107 357 11725 SH DEFINED 11725 0 0
SOUTHWEST AIRLS CO COM 844741108 3 241 SH SOLE 241 0 0
SPRINT CORPORATION 852061100 34 1885 SH SOLE 1885 0 0
SPRINT CORPORATION 852061100 38 2076 SH DEFINED 2076 0 0
SPRINT CORP PCS SER 1 852061506 5 648 SH SOLE 648 0 0
SPRINT CORP PCS SER 1 852061506 5 638 SH DEFINED 638 0 0
STAPLES INC 855030102 38 1505 SH SOLE 1505 0 0
STAPLES INC 855030102 25 1000 SH DEFINED 0 1000 0
STARBUCKS CORPORATION 855244109 417 11023 SH SOLE 11023 0 0
STARBUCKS CORPORATION 855244109 442 11700 SH DEFINED 11550 150 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 28 704 SH SOLE 501 0 203
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 34 857 SH DEFINED 857 0 0
STATE STREET CORP COM 857477103 5 100 SH SOLE 100 0 0
STRATTEC SECURITY CORPORATION 863111100 1 20 SH SOLE 20 0 0
STRYKER CORP 863667101 38 430 SH DEFINED 430 0 0
STURM RUGER & CO. 864159108 27 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 101 3000 SH SOLE 3000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 226 6700 SH DEFINED 700 6000 0
SUN MICROSYSTEMS INC COM 866810104 5 1400 SH SOLE 1400 0 0
SUN MICROSYSTEMS INC COM 866810104 57 13776 SH DEFINED 12176 0 1600
SUNCOR ENERGY INC 867229106 41 1500 SH DEFINED 1500 0 0
SUNGARD DATA SYSTEMS INC 867363103 6 250 SH SOLE 250 0 0
SUNOCO INC 86764P109 7 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 187 3009 SH DEFINED 3009 0 0
SUPERGEN INC COM 868059106 569 44500 SH DEFINED 44500 0 0
SYMANTEC 871503108 1628 35180 SH SOLE 34730 0 450
SYMANTEC 871503108 1365 29500 SH DEFINED 26600 600 2300
SYMBOL TECHNOLOGIES INC COM 871508107 2 199 SH SOLE 199 0 0
SYNGENTA AG 87160A100 2 200 SH SOLE 200 0 0
SYSCO CORPORATION 871829107 69 1770 SH SOLE 1770 0 0
TC PIPELINES LTD 87233Q108 18 500 SH SOLE 500 0 0
TECO ENERGY INC COM 872375100 114 7850 SH SOLE 7850 0 0
TECO ENERGY INC COM 872375100 100 6875 SH DEFINED 6875 0 0
TEPPCO PARTNERS LP 872384102 109 2600 SH DEFINED 2600 0 0
TJX COMPANIES 872540109 49 2000 SH DEFINED 2000 0 0
TXU CORP 873168108 2 74 SH SOLE 74 0 0
TXU CORP 873168108 37 1300 SH DEFINED 1300 0 0
TARGET CORPORATION 87612E106 210 4665 SH SOLE 4665 0 0
TARGET CORPORATION 87612E106 898 19950 SH DEFINED 18300 1650 0
TELECOM CORP OF NEW ZEALAND
LT SPON ADR 879278208 12 400 SH DEFINED 400 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 13 400 SH DEFINED 400 0 0
TERADYNE INC 880770102 83 3500 SH SOLE 3500 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 486 7675 SH SOLE 7675 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 315 4975 SH DEFINED 4975 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TEXAS GENCO COM 882443104 1 55 SH DEFINED 55 0 0
TEXAS INSTRUMENTS 882508104 1551 53106 SH SOLE 50706 0 2400
TEXAS INSTRUMENTS 882508104 1537 52630 SH DEFINED 50380 750 1500
THERMO ELECTRON CORP COM 883556102 64 2272 SH DEFINED 2272 0 0
THOMAS & BETTS CORPORATION 884315102 8 400 SH DEFINED 400 0 0
TIME WARNER INC NEW 887317105 148 8780 SH SOLE 8780 0 0
TIME WARNER INC NEW 887317105 319 18938 SH DEFINED 15638 0 3300
TIMKEN CO 887389104 116 5000 SH DEFINED 5000 0 0
TOPPS COMPANYS INC 890786106 4 500 SH DEFINED 500 0 0
TORCHMARK CORP. 891027104 104 1950 SH DEFINED 1950 0 0
TOTAL S.A. ADR 89151E109 5 55 SH SOLE 55 0 0
TRANSCANADA CORP 89353D107 3 152 SH SOLE 152 0 0
TRAVELERS PPTY CAS CORP
NEW CLASS A 89420G109 8 502 SH SOLE 502 0 0
TRAVELERS PPTY CAS CORP NEW
CLASS A 89420G109 19 1138 SH DEFINED 1130 8 0
TRAVELERS PPTY CAS CORP
CLASS B NEW 89420G406 40 2343 SH DEFINED 2326 17 0
TREDEGAR INDUSTRIES INC 894650100 10 720 SH SOLE 0 0 720
TRI-CONTINENTAL CORPORATION 895436103 12 739 SH DEFINED 739 0 0
TRIBUNE CO NEW COM 896047107 61 1227 SH DEFINED 1227 0 0
TRIZEC PROPERTIES INC 89687P107 99 5820 SH SOLE 5820 0 0
TRIZEC PROPERTIES INC 89687P107 181 10600 SH DEFINED 10600 0 0
TUPPERWARE CORP COM 899896104 1 100 SH DEFINED 100 0 0
TYCO INTL LTD NEW COM 902124106 85 3000 SH SOLE 3000 0 0
TYCO INTL LTD NEW COM 902124106 24 850 SH DEFINED 850 0 0
UGI CORPORATION 902681105 239 7275 SH SOLE 7275 0 0
UGI CORPORATION 902681105 263 8000 SH DEFINED 8000 0 0
UST INC COM 902911106 43 1200 SH SOLE 1200 0 0
UST INC COM 902911106 10 300 SH DEFINED 300 0 0
US BANCORP DEL COM 902973304 17 625 SH SOLE 625 0 0
UNILEVER PLC AMER SHS ADR NEW 904767704 7 180 SH SOLE 180 0 0
UNILIVER NV NY SHARE F NEW 904784709 1 26 SH SOLE 26 0 0
UNILIVER NV NY SHARE F NEW 904784709 27 400 SH DEFINED 400 0 0
UNION PACIFIC CORP COM 907818108 676 11316 SH SOLE 11316 0 0
UNION PACIFIC CORP COM 907818108 465 7783 SH DEFINED 5325 0 2458
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
UNITED PARCEL SERVICE 911312106 210 3015 SH DEFINED 3015 0 0
UNITED TECHNOLOGIES CORP COM 913017109 242 2807 SH SOLE 2807 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1303 15103 SH DEFINED 14803 300 0
VALLEY NATIONAL BANCORP. 919794107 107 3841 SH DEFINED 3841 0 0
VAN KAMPEN TRUST MUNICIPALS 920929106 9 600 SH SOLE 0 0 600
VAN KAMPEN AM CAP TR INVT
GRADE NJ MUNS COM 920933108 44 2500 DEFINED 2500 0 0
VARIAN MEDICAL SYSTEMS INC 92220P105 2 32 SH SOLE 32 0 0
VERISIGN INC 92343E102 2 153 SH SOLE 153 0 0
VERIZON CORPORATION 92343V104 802 21960 SH SOLE 20865 0 1095
VERIZON CORPORATION 92343V104 2625 71852 SH DEFINED 63410 5456 2986
VERITAS SOFTWARE CORP 923436109 13 500 SH SOLE 500 0 0
VERITAS SOFTWARE CORP 923436109 37 1400 SH DEFINED 1400 0 0
VIACOM INC COM CLASS A 925524100 19 500 SH DEFINED 500 0 0
VIACOM INC. CLASS B COMMON 925524308 84 2150 SH SOLE 300 0 1850
VIACOM INC. CLASS B COMMON 925524308 46 1193 SH DEFINED 1193 0 0
VIASYS HEALTHCARE INC 92553Q209 3 165 SH DEFINED 165 0 0
VODAFONE GROUP PLC 92857W100 269 11263 SH SOLE 11263 0 0
VODAFONE GROUP PLC 92857W100 804 33686 SH DEFINED 30846 840 2000
VORNADO REALTY TRUST 929042109 483 7990 SH SOLE 7990 0 0
VORNADO REALTY TRUST 929042109 582 9640 SH DEFINED 9340 300 0
VULCAN MATERIALS COMPANY COM 929160109 151 3200 SH DEFINED 3200 0 0
WGL HOLDINGS INC 92924F106 162 5400 SH DEFINED 4400 0 1000
WACHOVIA CORP 2ND NEW COM 929903102 3398 72310 SH SOLE 72310 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1878 39962 SH DEFINED 35638 4324 0
WAL-MART STORES INC 931142103 1477 24750 SH SOLE 24750 0 0
WAL-MART STORES INC 931142103 1203 20165 SH DEFINED 19665 0 500
WALGREEN CO 931422109 19 585 SH SOLE 585 0 0
WALGREEN CO 931422109 3 100 SH DEFINED 100 0 0
WASHINGTON MUTUAL INC 939322103 25 600 SH SOLE 600 0 0
WASHINGTON MUTUAL INC 939322103 55 1300 SH DEFINED 1300 0 0
WASHINGTON TRUST BANCORP INC 940610108 83 3163 SH DEFINED 3163 0 0
WASTE MANAGEMENT INC 94106L109 4 145 SH DEFINED 145 0 0
WATSON PHARMACEUTICALS 942683103 2 68 SH SOLE 68 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
WEIGHT WATCHERS INTERNATIONAL 948626106 33 800 SH DEFINED 800 0 0
WELLS FARGO & CO NEW COM 949746101 2420 42708 SH SOLE 41908 0 800
WELLS FARGO & CO NEW COM 949746101 2156 38050 SH DEFINED 34565 2775 710
WESTERN GAS RESOURCES INC 958259103 50 1000 SH DEFINED 1000 0 0
WEYERHAEUSER CO COM 962166104 23 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 131 2000 SH DEFINED 2000 0 0
WHIRLPOOL CORP COM 963320106 20 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 29 400 SH SOLE 400 0 0
WHOLE FOOD MARKET INC 966837106 52 700 SH DEFINED 700 0 0
WILLIAMS COS INC DEL COM 969457100 3 400 SH SOLE 400 0 0
WILLIAMS COS INC DEL COM 969457100 47 5000 SH DEFINED 5000 0 0
WILLIAMS SONOMA INC COM 969904101 3 98 SH SOLE 98 0 0
WILLIAMS SONOMA INC COM 969904101 164 4800 SH DEFINED 4800 0 0
WISCONSIN ENERGY CORP COM 976657106 131 4089 SH DEFINED 4089 0 0
WISER OIL CO 977284108 1 200 SH SOLE 200 0 0
WISER OIL CO 977284108 14 1800 SH DEFINED 1800 0 0
WYETH INC. 983024100 417 11134 SH SOLE 11134 0 0
WYETH INC. 983024100 1590 42374 SH DEFINED 38174 4000 200
XM SATELLITE RADIO HOLDINGS
INC 983759101 2 75 SH SOLE 75 0 0
XM SATELLITE RADIO HOLDINGS
INC 983759101 4 150 SH DEFINED 150 0 0
XTO ENERGY INC 98385X106 63 2500 SH DEFINED 2500 0 0
XCEL ENERGY INC 98389B100 7 441 SH SOLE 441 0 0
XILINX INC 983919101 43 1147 SH SOLE 1147 0 0
XILINX INC 983919101 120 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 8 600 SH DEFINED 600 0 0
YAHOO INC 984332106 10 210 SH SOLE 210 0 0
YUM BRANDS INC 988498101 1 50 SH DEFINED 50 0 0
ZIMMER HOLDINGS GROUP 98956P102 21 288 SH SOLE 288 0 0
ZIMMER HOLDINGS GROUP 98956P102 612 8305 SH DEFINED 8305 0 0
GRAND TOTALS 317083 7998758 7564669 267551 166538