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

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 6/28/02

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          8/6/02


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:    660

FORM 13F INFORMATION TABLE VALUE TOTAL:           $1,782,606




                                                                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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
                                                                                           
A T & T CORP COM *             COMMON STOCK     001957109      594    55544 SH       DEFINED               55344        0      200
A T & T CORP COM *             COMMON STOCK     001957109      142    13277 SH       OTHER                  8819     4458        0
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     3492    92756 SH       DEFINED               89356        0     3400
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     1741    46240 SH       OTHER                 19040    20800     6400
ABERCROMBIE & FITCH CO CLASS A COMMON STOCK     002896207     1286    53300 SH       DEFINED               53300        0        0
ADAPTEC INC COM                COMMON STOCK     00651F108      847   107300 SH       DEFINED              107300        0        0
ADAPTEC INC COM                COMMON STOCK     00651F108        1      150 SH       OTHER                   100        0       50
AFLAC INC COM *                COMMON STOCK     001055102      770    24062 SH       DEFINED               24062        0        0
AFLAC INC COM *                COMMON STOCK     001055102      235     7350 SH       OTHER                  7350        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      460     9117 SH       DEFINED                9117        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      611    12100 SH       OTHER                 12100        0        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104      306    10052 SH       DEFINED               10052        0        0
ALCOA INC COM*                 COMMON STOCK     013817101    20448   616818 SH       DEFINED              602089        0    14729
ALCOA INC COM*                 COMMON STOCK     013817101     1401    42263 SH       OTHER                 34543        0     7720
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK     015271109     1875    38000 SH       DEFINED               38000        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106      212     8245 SH       DEFINED                8245        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       26     1000 SH       OTHER                     0     1000        0
ALLETE INC COM                 COMMON STOCK     018522102     1192    44000 SH       DEFINED               44000        0        0
ALLIED CAPITAL CORP NEW COM*   COMMON STOCK     01903Q108     2333   102991 SH       DEFINED              102991        0        0
ALLIED WASTE INDS INC COM NEW  COMMON STOCK     019589308      422    44000 SH       DEFINED               44000        0        0
ALLIED WASTE INDS INC COM NEW  COMMON STOCK     019589308       31     3200 SH       OTHER                     0        0     3200
ALLSTATE CORP COM              COMMON STOCK     020002101      574    15532 SH       DEFINED               14132        0     1400
ALLSTATE CORP COM              COMMON STOCK     020002101       94     2546 SH       OTHER                  2546        0        0
ALLTEL CORP COM *              COMMON STOCK     020039103    54512  1159834 SH       DEFINED             1146559        0    13275
ALLTEL CORP COM *              COMMON STOCK     020039103     2939    62534 SH       OTHER                 62355      179        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101     1118    27939 SH       DEFINED               27939        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      262     6546 SH       OTHER                  6546        0        0
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     8743   240734 SH       DEFINED              231534        0     9200
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109      973    26800 SH       OTHER                 26400        0      400
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     3684    53993 SH       DEFINED               52647        0     1346
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     1231    18044 SH       OTHER                 13698     2882     1464
AMERICAN ITALIAN PASTA CO CLAS COMMON STOCK     027070101     2067    40539 SH       DEFINED               40539        0        0
AMERICAN NATIONAL INSURANCE CO COMMON STOCK     028591105      409     4252 SH       DEFINED                  25        0     4227
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107      157    12413 SH       DEFINED               12413        0        0
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107       17     1370 SH       OTHER                  1370        0        0
AMERICREDIT CORP COM           COMMON STOCK     03060R101      202     7209 SH       DEFINED                5975        0     1234
AMGEN INC COM *                COMMON STOCK     031162100      807    19258 SH       DEFINED               19258        0        0
AMGEN INC COM *                COMMON STOCK     031162100      447    10674 SH       OTHER                  6074        0     4600
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      196     8756 SH       DEFINED                   0        0     8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      110     4920 SH       OTHER                  4920        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107     9952   201867 SH       DEFINED              201867        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107      145     2943 SH       OTHER                  2843        0      100
ANALOG DEVICES INC COM*        COMMON STOCK     032654105     1530    51499 SH       DEFINED               51499        0        0
ANALOG DEVICES INC COM*        COMMON STOCK     032654105       20      670 SH       OTHER                   670        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103     8622   172438 SH       DEFINED              172288        0      150
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103      428     8565 SH       OTHER                  8265        0      300
ANNTAYLOR STORES CORP COM      COMMON STOCK     036115103     1447    57000 SH       DEFINED               57000        0        0
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105    68478  4655234 SH       DEFINED             4637874        0    17360
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105     1129    76781 SH       OTHER                 58231    14400     4150
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105      279    14656 SH       DEFINED               14608        0       48
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105       48     2498 SH       OTHER                  1000     1298      200
ARCHSTONE-SMITH TR COM*        COMMON STOCK     039583109     3117   116725 SH       DEFINED              114835        0     1890
ARCHSTONE-SMITH TR COM*        COMMON STOCK     039583109      731    27394 SH       OTHER                 27394        0        0
ARMOR HOLDINGS INC COM         COMMON STOCK     042260109     1237    48500 SH       DEFINED               48500        0        0
AT & T WIRELESS SERVICES INC C COMMON STOCK     00209A106      345    58998 SH       DEFINED               58479        0      519
AT & T WIRELESS SERVICES INC C COMMON STOCK     00209A106       38     6518 SH       OTHER                  4086     1432     1000
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      949    21786 SH       DEFINED               21786        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103       70     1600 SH       OTHER                  1600        0        0
AVERY DENNISON CORP COM *      COMMON STOCK     053611109    15935   253945 SH       DEFINED              252625        0     1320
AVERY DENNISON CORP COM *      COMMON STOCK     053611109     1545    24620 SH       OTHER                 21750       70     2800
AVNET INC COM                  COMMON STOCK     053807103     4459   202774 SH       DEFINED              202774        0        0
AVNET INC COM                  COMMON STOCK     053807103       49     2218 SH       OTHER                  2218        0        0
AVX CORP COM                   COMMON STOCK     002444107     1507    92301 SH       DEFINED               92301        0        0
AVX CORP COM                   COMMON STOCK     002444107       26     1564 SH       OTHER                  1564        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107     2013    60476 SH       DEFINED               59096        0     1380
BAKER HUGHES INC COM *         COMMON STOCK     057224107      293     8816 SH       OTHER                  5416      100     3300
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104     2576    36618 SH       DEFINED               36618        0        0
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104       69      978 SH       OTHER                   978        0        0
BANK OF HAWAII CORP COM        COMMON STOCK     062540109     1616    57700 SH       DEFINED               57700        0        0
BANK OF HAWAII CORP COM        COMMON STOCK     062540109       28     1000 SH       OTHER                     0        0     1000
BANK ONE CORP COM*             COMMON STOCK     06423A103      680    17681 SH       DEFINED                6910        0    10771
BANK ONE CORP COM*             COMMON STOCK     06423A103       38     1000 SH       OTHER                  1000        0        0
BANKNORTH GROUP INC            COMMON STOCK     06646R107     4812   184926 SH       DEFINED              184926        0        0
BANKNORTH GROUP INC            COMMON STOCK     06646R107       91     3481 SH       OTHER                  3481        0        0
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109    12261   275847 SH       DEFINED              270200        0     5647
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109      815    18335 SH       OTHER                 15125       60     3150
BEAZER HOMES USA INC           COMMON STOCK     07556Q105     1864    23300 SH       DEFINED               23300        0        0
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109      688    19979 SH       DEFINED               19979        0        0
BELLSOUTH CORP COM *           COMMON STOCK     079860102    11441   363222 SH       DEFINED              361958        0     1264
BELLSOUTH CORP COM *           COMMON STOCK     079860102      823    26124 SH       OTHER                 26124        0        0
BEMIS INC COM*                 COMMON STOCK     081437105      285     6000 SH       OTHER                     0     6000        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207      223      100 SH       DEFINED                 100        0        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207       83       37 SH       OTHER                    37        0        0
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670108      200        3 SH       DEFINED                   3        0        0
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101     1564    43092 SH       DEFINED               41325        0     1767
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101      721    19861 SH       OTHER                 15361        0     4500
BLYTH INC. COM                 COMMON STOCK     09643P108     7953   254726 SH       DEFINED              254670        0       56
BLYTH INC. COM                 COMMON STOCK     09643P108      112     3600 SH       OTHER                  3600        0        0
BOEING CO COM *                COMMON STOCK     097023105     1148    25511 SH       DEFINED               24761        0      750
BOEING CO COM *                COMMON STOCK     097023105      615    13667 SH       OTHER                 13667        0        0
BOISE CASCADE CORP COM         COMMON STOCK     097383103     1041    30158 SH       DEFINED               30158        0        0
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     2410    93791 SH       DEFINED               92091        0     1700
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108      388    15101 SH       OTHER                 15101        0        0
BROWN TOM INC COM NEW          COMMON STOCK     115660201     1690    59600 SH       DEFINED               59600        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      591    19696 SH       DEFINED               19696        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      391    13043 SH       OTHER                 11043     2000        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103     5406   142250 SH       DEFINED              142250        0        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103      194     5103 SH       OTHER                  2912      871     1320
C H ROBINSON WORLDWIDE INC COM COMMON STOCK     12541W100      233     6944 SH       DEFINED                6944        0        0
CACI INTL INC CL A COM         COMMON STOCK     127190304     2135    55900 SH       DEFINED               55900        0        0
CALIFORNIA PIZZA KITCHEN INC   COMMON STOCK     13054D109     1893    76314 SH       DEFINED               76314        0        0
CALLAWAY GOLF CO COM           COMMON STOCK     131193104     1435    90600 SH       DEFINED               90600        0        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109     4692   196651 SH       DEFINED              196651        0        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109       28     1158 SH       OTHER                  1158        0        0
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108    19042   310078 SH       DEFINED              305072        0     5006
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108     1681    27371 SH       OTHER                 27371        0        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      317    11445 SH       DEFINED               10945        0      500
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      188     6800 SH       OTHER                  6800        0        0
CARRIAGE SERVICES INC CLASS A  COMMON STOCK     143905107       43    10000 SH       DEFINED               10000        0        0
CEC ENTERTAINMENT INC COM      COMMON STOCK     125137109     1374    33276 SH       DEFINED               33276        0        0
CHEVRONTEXACO CORP COM*        COMMON STOCK     166764100    23889   269937 SH       DEFINED              263488        0     6449
CHEVRONTEXACO CORP COM*        COMMON STOCK     166764100     3214    36318 SH       OTHER                 27924     4300     4094
CHOICEPOINT INC COM            COMMON STOCK     170388102      214     4714 SH       DEFINED                4714        0        0
CHUBB CORP COM*                COMMON STOCK     171232101    19617   277073 SH       DEFINED              272728        0     4345
CHUBB CORP COM*                COMMON STOCK     171232101     1556    21972 SH       OTHER                 21372        0      600
CIGNA CORP COM                 COMMON STOCK     125509109     8946    91830 SH       DEFINED               91830        0        0
CIGNA CORP COM                 COMMON STOCK     125509109       77      786 SH       OTHER                   786        0        0
CINERGY CORP COM               COMMON STOCK     172474108     8197   227745 SH       DEFINED              227650        0       95
CINERGY CORP COM               COMMON STOCK     172474108       99     2764 SH       OTHER                  2764        0        0
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102    12097   867172 SH       DEFINED              848677        0    18495
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102      752    53905 SH       OTHER                 48740     1800     3365
CITIGROUP INC COM *            COMMON STOCK     172967101    22572   582497 SH       DEFINED              578513        0     3984
CITIGROUP INC COM *            COMMON STOCK     172967101     3310    85409 SH       OTHER                 72916     6160     6333
CITY NATIONAL CORP COM         COMMON STOCK     178566105     1978    36800 SH       DEFINED               36800        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     2252    70320 SH       DEFINED               69256        0     1064
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     4318   134868 SH       OTHER                134868        0        0
CLOROX CO COM *                COMMON STOCK     189054109    14426   348868 SH       DEFINED              340160        0     8708
CLOROX CO COM *                COMMON STOCK     189054109     1468    35498 SH       OTHER                 29578      800     5120
COCA COLA CO COM *             COMMON STOCK     191216100    11525   205804 SH       DEFINED              204172        0     1632
COCA COLA CO COM *             COMMON STOCK     191216100     1896    33852 SH       OTHER                 28652        0     5200
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103     2701    53967 SH       DEFINED               53967        0        0
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103      552    11028 SH       OTHER                  6500        0     4528
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      301     6289 SH       DEFINED                6289        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      477     9979 SH       OTHER                  9979        0        0
COMVERSE TECHNOLOGY INC COM*   COMMON STOCK     205862402     2060   222490 SH       DEFINED              222490        0        0
COMVERSE TECHNOLOGY INC COM*   COMMON STOCK     205862402       61     6600 SH       OTHER                  6600        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102      216     7816 SH       DEFINED                7816        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102      238     8600 SH       OTHER                  8600        0        0
CONCORD EFS INC COM*           COMMON STOCK     206197105    10754   356790 SH       DEFINED              354710        0     2080
CONCORD EFS INC COM*           COMMON STOCK     206197105      792    26293 SH       OTHER                 26293        0        0
CONSOL ENERGY INC COM          COMMON STOCK     20854P109     5032   236778 SH       DEFINED              236778        0        0
CONSOL ENERGY INC COM          COMMON STOCK     20854P109       65     3079 SH       OTHER                  3079        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104      390     9342 SH       DEFINED                9342        0        0
COOPER COMPANIES INC COM       COMMON STOCK     216648402     1554    33000 SH       DEFINED               33000        0        0
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105    15514   401721 SH       DEFINED              391766        0     9955
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105     1015    26281 SH       OTHER                 26281        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105      262    14000 SH       DEFINED               14000        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105       70     3768 SH       OTHER                   168        0     3600
CSX CORP COM                   COMMON STOCK     126408103      421    12000 SH       DEFINED               12000        0        0
CSX CORP COM                   COMMON STOCK     126408103       42     1200 SH       OTHER                  1200        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    12665   352282 SH       DEFINED              321855     2101    28326
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     2526    70272 SH       OTHER                 43680        0    26592
DEERE & CO COM *               COMMON STOCK     244199105      181     3770 SH       DEFINED                3770        0        0
DEERE & CO COM *               COMMON STOCK     244199105       38      790 SH       OTHER                   790        0        0
DELL COMPUTER CORP COM*        COMMON STOCK     247025109    10882   416279 SH       DEFINED              401288        0    14991
DELL COMPUTER CORP COM*        COMMON STOCK     247025109     1266    48425 SH       OTHER                 34225        0    14200
DELPHI CORPORATION COM         COMMON STOCK     247126105     3479   263526 SH       DEFINED              263457        0       69
DELPHI CORPORATION COM         COMMON STOCK     247126105       66     5020 SH       OTHER                  5020        0        0
DENTSPLY INTERNATIONAL INC NEW COMMON STOCK     249030107      235     6367 SH       DEFINED                6367        0        0
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103      385     7810 SH       DEFINED                7810        0        0
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103        5      100 SH       OTHER                     0        0      100
DIEBOLD INC COM *              COMMON STOCK     253651103      235     6316 SH       DEFINED                6316        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106      893    47268 SH       DEFINED               47268        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106      407    21536 SH       OTHER                 10042     6294     5200
DNP SELECT INCOME FD INC COM   COMMON STOCK     23325P104       73     7164 SH       DEFINED                7164        0        0
DNP SELECT INCOME FD INC COM   COMMON STOCK     23325P104       39     3800 SH       OTHER                     0        0     3800
DOVER CORP COM *               COMMON STOCK     260003108      131     3753 SH       DEFINED                3753        0        0
DOVER CORP COM *               COMMON STOCK     260003108       76     2170 SH       OTHER                  2170        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103    22552   655966 SH       DEFINED              642206        0    13760
DOW CHEMICAL CO COM *          COMMON STOCK     260543103     1617    47035 SH       OTHER                 45705      900      430
DRIL-QUIP INC COM              COMMON STOCK     262037104     1597    64000 SH       DEFINED               64000        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     5818   131027 SH       DEFINED              131027        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1362    30673 SH       OTHER                 25415     4958      300
DUKE ENERGY CORP *             COMMON STOCK     264399106     3891   125125 SH       DEFINED              125125        0        0
DUKE ENERGY CORP *             COMMON STOCK     264399106      416    13366 SH       OTHER                 13366        0        0
DYNACQ INTERNATIONAL INC COM   COMMON STOCK     267919306      872    61900 SH       DEFINED               61900        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102     1826   241881 SH       DEFINED              241341        0      540
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102      311    41139 SH       OTHER                 40739        0      400
EDISON INTERNATIONAL COM       COMMON STOCK     281020107      202    11855 SH       DEFINED               11855        0        0
EGL INC                        COMMON STOCK     268484102     2317   136600 SH       DEFINED              136600        0        0
EL PASO CORP COM*              COMMON STOCK     28336L109    17345   841571 SH       DEFINED              826013        0    15558
EL PASO CORP COM*              COMMON STOCK     28336L109     1632    79163 SH       OTHER                 73499     2416     3248
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104     2696    72563 SH       DEFINED               72563        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104      131     3514 SH       OTHER                  3514        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108      564    10005 SH       DEFINED               10005        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108      536     9500 SH       OTHER                  9400        0      100
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104    17743   331576 SH       DEFINED              325241        0     6335
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     1409    26323 SH       OTHER                 19783        0     6540
ENCOMPASS SERVICES CORPORATION COMMON STOCK     29255U104       16    28537 SH       DEFINED               28537        0        0
ENGELHARD CORP COM*            COMMON STOCK     292845104      309    10900 SH       DEFINED               10900        0        0
ENSCO INTERNATIONAL INC COM*   COMMON STOCK     26874Q100     5282   193779 SH       DEFINED              192824        0      955
ENSCO INTERNATIONAL INC COM*   COMMON STOCK     26874Q100      303    11132 SH       OTHER                 10543        0      589
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      592    13951 SH       DEFINED               13751        0      200
ENTERGY CORP NEW COM           COMMON STOCK     29364G103       86     2037 SH       OTHER                  1337        0      700
ENZO BIOCHEM INC COM           COMMON STOCK     294100102      404    28213 SH       DEFINED               28213        0        0
EON LABS INC COM               COMMON STOCK     29412E100     1736    97600 SH       DEFINED               97600        0        0
EVEREST RE GROUP LTD COM*      COMMON STOCK     G3223R108     9036   161503 SH       DEFINED              158763        0     2740
EVEREST RE GROUP LTD COM*      COMMON STOCK     G3223R108      996    17806 SH       OTHER                 17806        0        0
EXAR CORPORATION               COMMON STOCK     300645108     1495    75800 SH       DEFINED               75800        0        0
EXPRESS SCRIPTS INC COMMON STO COMMON STOCK     302182100    11715   233788 SH       DEFINED              228473        0     5315
EXPRESS SCRIPTS INC COMMON STO COMMON STOCK     302182100      316     6316 SH       OTHER                  6236        0       80
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102    54489  1331592 SH       DEFINED             1319728        0    11864
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102     8518   208163 SH       OTHER                196707     2400     9056
FAMILY DOLLAR STORES INC COM   COMMON STOCK     307000109     2045    58000 SH       DEFINED               58000        0        0
FANNIE MAE *                   COMMON STOCK     313586109    15878   215300 SH       DEFINED              214406        0      894
FANNIE MAE *                   COMMON STOCK     313586109     1230    16684 SH       OTHER                 14903       31     1750
FIRST DATA CORP COM *          COMMON STOCK     319963104      486    13074 SH       DEFINED               13074        0        0
FIRST DATA CORP COM *          COMMON STOCK     319963104        9      248 SH       OTHER                   248        0        0
FIRST HEALTH GROUP CORP COM    COMMON STOCK     320960107     1966    70125 SH       DEFINED               70125        0        0
FISERV INC COM *               COMMON STOCK     337738108      808    22022 SH       DEFINED               22022        0        0
FISERV INC COM *               COMMON STOCK     337738108       57     1552 SH       OTHER                  1552        0        0
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108     4501   139132 SH       DEFINED              137287        0     1845
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108      154     4759 SH       OTHER                  4359        0      400
FOCUS ENHANCEMENTS INC         COMMON STOCK     344159108       93    67500 SH       DEFINED               67500        0        0
FOOT LOCKER INC COM            COMMON STOCK     344849104     1186    82064 SH       DEFINED               82064        0        0
FORD MOTOR COMPANY *           COMMON STOCK     345370860    12346   771615 SH       DEFINED              771577        0       38
FORD MOTOR COMPANY *           COMMON STOCK     345370860      216    13522 SH       OTHER                 13522        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101     1125    20084 SH       DEFINED               19524        0      560
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101       56     1004 SH       OTHER                  1004        0        0
FORWARD AIR CORP COM           COMMON STOCK     349853101     1840    56125 SH       DEFINED               56125        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104      331     5525 SH       DEFINED                5525        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       36      600 SH       OTHER                   600        0        0
FREDDIE MAC *                  COMMON STOCK     313400301     7458   121863 SH       DEFINED              121816        0       47
FREDDIE MAC *                  COMMON STOCK     313400301      127     2069 SH       OTHER                  2069        0        0
GABELLI ASSET MANAGEMENT INC C COMMON STOCK     36239Y102     1387    38000 SH       DEFINED               38000        0        0
GALLAGHER ARTHUR J & CO COM*   COMMON STOCK     363576109      510    14714 SH       DEFINED               14714        0        0
GANNETT CO COM*                COMMON STOCK     364730101     1846    24321 SH       DEFINED               23541        0      780
GANNETT CO COM*                COMMON STOCK     364730101      441     5807 SH       OTHER                  5807        0        0
GART SPORTS COMPANY COM        COMMON STOCK     366630101     1607    56400 SH       DEFINED               56400        0        0
GENERAL DYNAMICS CORP COM*     COMMON STOCK     369550108    19062   179234 SH       DEFINED              175034        0     4200
GENERAL DYNAMICS CORP COM*     COMMON STOCK     369550108     1303    12249 SH       OTHER                 11739        0      510
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103    28762   990093 SH       DEFINED              975118        0    14975
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     4739   163126 SH       OTHER                126046    14520    22560
GENERAL MILLS INC COM*         COMMON STOCK     370334104     1736    39392 SH       DEFINED               39392        0        0
GENERAL MILLS INC COM*         COMMON STOCK     370334104      489    11100 SH       OTHER                  4000     6400      700
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832      230    22143 SH       DEFINED               22143        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832        4      378 SH       OTHER                   378        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105     6857   128296 SH       DEFINED              128296        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      304     5685 SH       OTHER                  5685        0        0
GENTEX CORP COM                COMMON STOCK     371901109     1781    64835 SH       DEFINED               64835        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108      255    10360 SH       DEFINED               10360        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108       31     1250 SH       OTHER                  1250        0        0
GIBRALTAR STEEL CORPORATION CO COMMON STOCK     37476F103      914    41200 SH       DEFINED               41200        0        0
GILLETTE CO COM *              COMMON STOCK     375766102      339    10008 SH       DEFINED               10008        0        0
GILLETTE CO COM *              COMMON STOCK     375766102       22      650 SH       OTHER                   650        0        0
GLOBALSANTAFE CORP COM         COMMON STOCK     G3930E101     1627    59470 SH       DEFINED               58900        0      570
GLOBALSANTAFE CORP COM         COMMON STOCK     G3930E101       13      465 SH       OTHER                   465        0        0
GRANITE CONSTRUCTION INC COM   COMMON STOCK     387328107     1658    65525 SH       DEFINED               65525        0        0
GRANT PRIDECO INC COM          COMMON STOCK     38821G101     1296    95300 SH       DEFINED               95300        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101      501    31446 SH       DEFINED               30771        0      675
HALLIBURTON CO COM *           COMMON STOCK     406216101      878    55100 SH       OTHER                 50400     3000     1700
HANOVER COMPRESSOR CO (HOLDING COMMON STOCK     410768105      175    12950 SH       DEFINED               12950        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108      338     6584 SH       DEFINED                6584        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108       26      500 SH       OTHER                   500        0        0
HARRIS CORP DELAWARE COM       COMMON STOCK     413875105     2723    75128 SH       DEFINED               75128        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      348     5845 SH       DEFINED                5845        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      143     2400 SH       OTHER                     0        0     2400
HCA INC*                       COMMON STOCK     404119109    18826   396340 SH       DEFINED              384456        0    11884
HCA INC*                       COMMON STOCK     404119109     1944    40931 SH       OTHER                 34251        0     6680
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102    20087   762297 SH       DEFINED              747056        0    15241
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102     1955    74205 SH       OTHER                 74205        0        0
HEALTH MGMT ASSOC INC NEW CLAS COMMON STOCK     421933102      323    16037 SH       DEFINED               16037        0        0
HEALTHSOUTH CORP COM           COMMON STOCK     421924101      128    10000 SH       DEFINED               10000        0        0
HEALTHSOUTH CORP COM           COMMON STOCK     421924101        1      100 SH       OTHER                   100        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103     2217    53950 SH       DEFINED               53950        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103      253     6150 SH       OTHER                  4950     1200        0
HELMERICH & PAYNE INC COM      COMMON STOCK     423452101     1540    43100 SH       DEFINED               43100        0        0
HERSHEY FOODS CORP COM*        COMMON STOCK     427866108      292     4675 SH       DEFINED                4675        0        0
HERSHEY FOODS CORP COM*        COMMON STOCK     427866108      125     2000 SH       OTHER                   400        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     1342    87849 SH       DEFINED               84674        0     3175
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103      910    59567 SH       OTHER                 59378        0      189
HIBERNIA CORP CLASS A          COMMON STOCK     428656102     1257    63500 SH       DEFINED               63500        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102     1639   114475 SH       DEFINED              114475        0        0
HILLENBRAND INDUSTRIES INC COM COMMON STOCK     431573104      258     4602 SH       DEFINED                4602        0        0
HOME DEPOT INC COM *           COMMON STOCK     437076102     2398    65292 SH       DEFINED               63847        0     1445
HOME DEPOT INC COM *           COMMON STOCK     437076102      401    10909 SH       OTHER                  4909        0     6000
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106    32411   919996 SH       DEFINED              904571        0    15425
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106     2150    61030 SH       OTHER                 59170        0     1860
HOUSEHOLD INTERNATIONAL CORP C COMMON STOCK     441815107      401     8070 SH       DEFINED                8070        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      416     6094 SH       DEFINED                6094        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      464     6800 SH       OTHER                  6800        0        0
INGERSOLL-RAND COMPANY CLASS A COMMON STOCK     G4776G101     1113    24365 SH       DEFINED               23615        0      750
INGERSOLL-RAND COMPANY CLASS A COMMON STOCK     G4776G101      541    11850 SH       OTHER                 11850        0        0
INTEL CORP COM *               COMMON STOCK     458140100    13303   728153 SH       DEFINED              713914        0    14239
INTEL CORP COM *               COMMON STOCK     458140100     1733    94839 SH       OTHER                 75789      400    18650
INTERNATIONAL MULTIFOODS CORP  COMMON STOCK     460043102     2122    81600 SH       DEFINED               81600        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103     8968   205787 SH       DEFINED              198687        0     7100
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      665    15250 SH       OTHER                 15250        0        0
INTERTRUST TECHNOLOGIES CORP   COMMON STOCK     46113Q109       45    15000 SH       DEFINED               15000        0        0
INTL BUSINESS MACHINES CORP CO COMMON STOCK     459200101     4822    66974 SH       DEFINED               64289        0     2685
INTL BUSINESS MACHINES CORP CO COMMON STOCK     459200101     1786    24805 SH       OTHER                 19189     3216     2400
ITT EDUCATIONAL SERVICES INC C COMMON STOCK     45068B109     1465    67200 SH       DEFINED               67200        0        0
J P MORGAN CHASE & CO COM      COMMON STOCK     46625H100      673    19847 SH       DEFINED               19327        0      520
J P MORGAN CHASE & CO COM      COMMON STOCK     46625H100       35     1025 SH       OTHER                   225        0      800
JACK IN THE BOX INC COM        COMMON STOCK     466367109     2318    72900 SH       DEFINED               72900        0        0
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     6471   123823 SH       DEFINED              119285        0     4538
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     2976    56948 SH       OTHER                 41058    11200     4690
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      240     2939 SH       DEFINED                2939        0        0
JONES APPAREL GROUP INC COM*   COMMON STOCK     480074103      231     6150 SH       DEFINED                6150        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100      369     9797 SH       DEFINED                9797        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100       68     1800 SH       OTHER                  1300        0      500
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103     4345    70086 SH       DEFINED               70046        0       40
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103      987    15926 SH       OTHER                 10976        0     4950
LAFARGE NORTH AMERICA INC COM  COMMON STOCK     505862102     4432   126095 SH       DEFINED              126095        0        0
LAFARGE NORTH AMERICA INC COM  COMMON STOCK     505862102       71     2034 SH       OTHER                  2034        0        0
LANDRYS SEAFOOD RESTAURANTS IN COMMON STOCK     51508L103     1816    71200 SH       DEFINED               71200        0        0
LEAP WIRELESS INTERNATIONAL IN COMMON STOCK     521863100       22    20000 SH       DEFINED               20000        0        0
LEGG MASON INC COM             COMMON STOCK     524901105     2650    53700 SH       DEFINED               53700        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      265    11306 SH       DEFINED               11306        0        0
LIBERTY MEDIA CORP NEW COM SER COMMON STOCK     530718105      580    58014 SH       DEFINED               57564        0      450
LIBERTY MEDIA CORP NEW COM SER COMMON STOCK     530718105       13     1300 SH       OTHER                     0        0     1300
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109     1044    15020 SH       DEFINED               15020        0        0
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109       28      400 SH       OTHER                   400        0        0
LOWES COS INC COM *            COMMON STOCK     548661107    20338   447984 SH       DEFINED              433363        0    14621
LOWES COS INC COM *            COMMON STOCK     548661107     1549    34128 SH       OTHER                 34128        0        0
LUBY'S INC COM                 COMMON STOCK     549282101      389    59063 SH       DEFINED               58963        0      100
LUBY'S INC COM                 COMMON STOCK     549282101        2      285 SH       OTHER                   285        0        0
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107       14     8429 SH       DEFINED                7231        0     1198
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107       10     5868 SH       OTHER                  1924     3844      100
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107      187    12400 SH       DEFINED               12400        0        0
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103      120    68696 SH       DEFINED               68696        0        0
MANPOWER INC WISCONSIN COM     COMMON STOCK     56418H100     3191    86838 SH       DEFINED               86838        0        0
MANPOWER INC WISCONSIN COM     COMMON STOCK     56418H100       61     1656 SH       OTHER                  1656        0        0
MARATHON OIL CORP COM*         COMMON STOCK     565849106     4853   178960 SH       DEFINED              178760        0      200
MARATHON OIL CORP COM*         COMMON STOCK     565849106      490    18084 SH       OTHER                 18084        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102      661     6842 SH       DEFINED                6842        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102       78      810 SH       OTHER                   810        0        0
MARSHALL & ILSLEY CORP COM     COMMON STOCK     571834100      904    29240 SH       DEFINED               29240        0        0
MASCO CORP COM *               COMMON STOCK     574599106     2367    87294 SH       DEFINED               87054        0      240
MASCO CORP COM *               COMMON STOCK     574599106      368    13579 SH       OTHER                 13579        0        0
MBNA CORP COM *                COMMON STOCK     55262L100    10718   324111 SH       DEFINED              321154        0     2957
MBNA CORP COM *                COMMON STOCK     55262L100      830    25105 SH       OTHER                 21505        0     3600
MCDONALD'S CORP COM *          COMMON STOCK     580135101     1830    64325 SH       DEFINED               54575        0     9750
MCDONALD'S CORP COM *          COMMON STOCK     580135101      236     8300 SH       OTHER                  8300        0        0
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109    16100   269681 SH       DEFINED              263279        0     6402
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109     2061    34522 SH       OTHER                 34172        0      350
MEDTRONIC INC COM *            COMMON STOCK     585055106     8132   189771 SH       DEFINED              180921        0     8850
MEDTRONIC INC COM *            COMMON STOCK     585055106      934    21798 SH       OTHER                 19398        0     2400
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108      927    29500 SH       DEFINED               29500        0        0
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108       75     2400 SH       OTHER                  1200        0     1200
MENTOR GRAPHICS CORP COM       COMMON STOCK     587200106      216    15200 SH       DEFINED               15200        0        0
MERCK & CO INC COM *           COMMON STOCK     589331107     4152    81996 SH       DEFINED               81696        0      300
MERCK & CO INC COM *           COMMON STOCK     589331107     1509    29800 SH       OTHER                 27400        0     2400
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108       79     1940 SH       DEFINED                1940        0        0
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      275     6800 SH       OTHER                  6800        0        0
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      559     8250 SH       DEFINED                8250        0        0
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    23977   438331 SH       DEFINED              427423        0    10908
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     2757    50399 SH       OTHER                 40754     1000     8645
MID ATLANTIC MED SVCS INC COM  COMMON STOCK     59523C107     1749    55800 SH       DEFINED               55800        0        0
MILLIPORE CORP COM *           COMMON STOCK     601073109      616    19250 SH       DEFINED               18425        0      825
MILLIPORE CORP COM *           COMMON STOCK     601073109      247     7737 SH       OTHER                  2382       55     5300
MIRANT CORP COM                COMMON STOCK     604675108       85    11660 SH       DEFINED               11660        0        0
MOLEX INC COM*                 COMMON STOCK     608554101      900    26842 SH       DEFINED               26842        0        0
MORGAN STANLEY                 COMMON STOCK     617446448    10513   244037 SH       DEFINED              243973        0       64
MORGAN STANLEY                 COMMON STOCK     617446448      173     4006 SH       OTHER                  4006        0        0
MOTOROLA INC COM               COMMON STOCK     620076109       97     6627 SH       DEFINED                6131        0      496
MOTOROLA INC COM               COMMON STOCK     620076109      184    12585 SH       OTHER                  7385     2700     2500
NASDAQ 100 SHARES              COMMON STOCK     631100104      176     6762 SH       DEFINED                4873        0     1889
NASDAQ 100 SHARES              COMMON STOCK     631100104       87     3347 SH       OTHER                  3347        0        0
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101     1670    79350 SH       DEFINED               79000        0      350
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106     1544    74100 SH       DEFINED               73000        0     1100
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106      104     5000 SH       OTHER                  5000        0        0
NEWELL RUBBERMAID INC COM*     COMMON STOCK     651229106    17065   486751 SH       DEFINED              473128        0    13623
NEWELL RUBBERMAID INC COM*     COMMON STOCK     651229106     1099    31360 SH       OTHER                 26632     4728        0
NICOR INC COM *                COMMON STOCK     654086107     1453    31760 SH       DEFINED               31760        0        0
NICOR INC COM *                COMMON STOCK     654086107      462    10100 SH       OTHER                 10100        0        0
NISOURCE INC COM               COMMON STOCK     65473P105        9      400 SH       DEFINED                 400        0        0
NISOURCE INC COM               COMMON STOCK     65473P105      371    17007 SH       OTHER                     0        0    17007
NOBLE CORP COM                 COMMON STOCK     G65422100      594    15400 SH       DEFINED               15000        0      400
NOBLE CORP COM                 COMMON STOCK     G65422100       73     1900 SH       OTHER                   500        0     1400
NOBLE ENERGY INC COM           COMMON STOCK     655044105    12713   352636 SH       DEFINED              352636        0        0
NOBLE ENERGY INC COM           COMMON STOCK     655044105      142     3941 SH       OTHER                  3941        0        0
NORTHEAST UTILITIES COM        COMMON STOCK     664397106      435    23100 SH       DEFINED               23100        0        0
NOVELLUS SYSTEMS INC COM*      COMMON STOCK     670008101      362    10641 SH       DEFINED               10641        0        0
OAKLEY INC COM                 COMMON STOCK     673662102     1945   111800 SH       DEFINED              111800        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105      577    19256 SH       DEFINED               19256        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105       21      700 SH       OTHER                   700        0        0
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106     2897   133705 SH       DEFINED              131405        0     2300
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106       20      900 SH       OTHER                     0        0      900
OMNICOM GROUP COM *            COMMON STOCK     681919106     8554   186771 SH       DEFINED              184966        0     1805
OMNICOM GROUP COM *            COMMON STOCK     681919106      852    18612 SH       OTHER                 18112        0      500
ORACLE CORPORATION*            COMMON STOCK     68389X105     1588   167686 SH       DEFINED              167686        0        0
ORACLE CORPORATION*            COMMON STOCK     68389X105      537    56700 SH       OTHER                 49700        0     7000
PATTERSON-UTI ENERGY INC COM   COMMON STOCK     703481101     2157    76400 SH       DEFINED               76400        0        0
PEPSICO INC COM*               COMMON STOCK     713448108    17390   360789 SH       DEFINED              349804        0    10985
PEPSICO INC COM*               COMMON STOCK     713448108     3208    66559 SH       OTHER                 42551     7740    16268
PERICOM SEMICONDUCTOR CORP COM COMMON STOCK     713831105      974    84000 SH       DEFINED               84000        0        0
PFIZER INC COM *               COMMON STOCK     717081103    22333   638091 SH       DEFINED              626784        0    11307
PFIZER INC COM *               COMMON STOCK     717081103     5482   156625 SH       OTHER                133987    16128     6510
PHARMACIA CORP COM*            COMMON STOCK     71713U102     2657    70953 SH       DEFINED               70953        0        0
PHARMACIA CORP COM*            COMMON STOCK     71713U102      399    10657 SH       OTHER                  4791     2500     3366
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     6542   149782 SH       DEFINED              148882        0      900
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107      703    16100 SH       OTHER                 15100      500      500
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106      562     9540 SH       DEFINED                9240        0      300
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       24      400 SH       OTHER                   400        0        0
PHOTRONICS INC COM             COMMON STOCK     719405102     1557    82200 SH       DEFINED               82200        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107     1950    74842 SH       DEFINED               74842        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107       13      502 SH       OTHER                   502        0        0
PITNEY BOWES INC COM *         COMMON STOCK     724479100     1897    47769 SH       DEFINED               47769        0        0
PLANTRONICS INC COM            COMMON STOCK     727493108     1428    75100 SH       DEFINED               75100        0        0
PLUM CREEK TIMBER CO INC COM   COMMON STOCK     729251108     1685    54900 SH       DEFINED               54900        0        0
PLUM CREEK TIMBER CO INC COM   COMMON STOCK     729251108       37     1200 SH       OTHER                     0        0     1200
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      329     6300 SH       DEFINED                6300        0        0
POLYCOM INC COM                COMMON STOCK     73172K104     2207   184100 SH       DEFINED              184100        0        0
POTOMAC ELECTRIC POWER CO COM  COMMON STOCK     737679100     5445   253473 SH       DEFINED              253473        0        0
POTOMAC ELECTRIC POWER CO COM  COMMON STOCK     737679100       57     2675 SH       OTHER                  2675        0        0
PPL CORPORATION COM*           COMMON STOCK     69351T106     1456    44000 SH       DEFINED               44000        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109    10858   121593 SH       DEFINED              121413        0      180
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     1566    17541 SH       OTHER                 17341        0      200
PROLOGIS                       COMMON STOCK     743410102     4184   160931 SH       DEFINED              160931        0        0
PROLOGIS                       COMMON STOCK     743410102       52     2010 SH       OTHER                  2010        0        0
PRUDENTIAL FINANCIAL INC COM   COMMON STOCK     744320102     9902   296813 SH       DEFINED              296752        0       61
PRUDENTIAL FINANCIAL INC COM   COMMON STOCK     744320102      111     3341 SH       OTHER                  3341        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103      496    16504 SH       DEFINED               16504        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103        6      200 SH       OTHER                   200        0        0
RAYTHEON CO COM NEW*           COMMON STOCK     755111507     3995    98039 SH       DEFINED               90689        0     7350
RAYTHEON CO COM NEW*           COMMON STOCK     755111507      657    16131 SH       OTHER                 12131        0     4000
REEBOK INTERNATIONAL LIMITED C COMMON STOCK     758110100     1673    56700 SH       DEFINED               56700        0        0
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108     1544    91336 SH       DEFINED               89386        0     1950
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108       62     3650 SH       OTHER                  3650        0        0
ROCKWELL AUTOMATION INC COM*   COMMON STOCK     773903109     1021    51107 SH       DEFINED               51107        0        0
ROCKWELL COLLINS INC COM       COMMON STOCK     774341101      603    22000 SH       DEFINED               22000        0        0
ROCKWELL COLLINS INC COM       COMMON STOCK     774341101        5      200 SH       OTHER                     0        0      200
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100      738    20625 SH       DEFINED               20625        0        0
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100       54     1500 SH       OTHER                  1500        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208     3000   102788 SH       DEFINED              101508        0     1280
SAFEWAY INC COM NEW *          COMMON STOCK     786514208      534    18288 SH       OTHER                 17438        0      850
SANMINA SCI CORP COM*          COMMON STOCK     800907107      371    58809 SH       DEFINED               58265        0      544
SARA LEE CORP COM *            COMMON STOCK     803111103     2595   125736 SH       DEFINED              123136        0     2600
SARA LEE CORP COM *            COMMON STOCK     803111103     1073    51999 SH       OTHER                 51999        0        0
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    23619   774378 SH       DEFINED              770537        0     3841
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     2579    84572 SH       OTHER                 76392        0     8180
SCANA CORP COM NEW             COMMON STOCK     80589M102     6432   208359 SH       DEFINED              208179        0      180
SCANA CORP COM NEW             COMMON STOCK     80589M102       90     2925 SH       OTHER                  2925        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101     5634   229010 SH       DEFINED              227350        0     1660
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101      626    25428 SH       OTHER                 19628        0     5800
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     3146    67660 SH       DEFINED               65840        0     1820
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     1248    26840 SH       OTHER                 24640        0     2200
SCHWAB CHARLES CORP NEW COM*   COMMON STOCK     808513105    11879  1060614 SH       DEFINED             1033216        0    27398
SCHWAB CHARLES CORP NEW COM*   COMMON STOCK     808513105      543    48479 SH       OTHER                 47429        0     1050
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      545    10028 SH       DEFINED               10028        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      109     2000 SH       OTHER                  2000        0        0
SEEBEYOND TECHNOLOGY CORP COM  COMMON STOCK     815704101       31    10000 SH       DEFINED               10000        0        0
SEI INVESTMENTS CO COM*        COMMON STOCK     784117103      766    27203 SH       DEFINED               26733        0      470
SEI INVESTMENTS CO COM*        COMMON STOCK     784117103       87     3086 SH       OTHER                  3086        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109      457    20663 SH       DEFINED               20663        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       22     1000 SH       OTHER                   800        0      200
SHAW GROUP INC COM*            COMMON STOCK     820280105     2497    81341 SH       DEFINED               81341        0        0
SHAW GROUP INC COM*            COMMON STOCK     820280105       76     2469 SH       OTHER                  2469        0        0
SHUFFLE MASTER INC COM         COMMON STOCK     825549108     1324    72100 SH       DEFINED               72100        0        0
SIEBEL SYSTEMS INC COM*        COMMON STOCK     826170102     5571   391756 SH       DEFINED              372006        0    19750
SIEBEL SYSTEMS INC COM*        COMMON STOCK     826170102      546    38400 SH       OTHER                 38190        0      210
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101       10      200 SH       DEFINED                 200        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101      201     4000 SH       OTHER                  4000        0        0
SILICON VALLEY BANCSHARES      COMMON STOCK     827064106     1416    53700 SH       DEFINED               53700        0        0
SILVERSTAR HOLDINGS LTD ORD    COMMON STOCK     G81365101        3    10000 SH       DEFINED               10000        0        0
SKYWEST INC COM                COMMON STOCK     830879102     1605    68600 SH       DEFINED               68600        0        0
SL GREEN REALTY CORP           COMMON STOCK     78440X101     1775    49800 SH       DEFINED               49800        0        0
SLM CORP COM                   COMMON STOCK     78442P106      485     5000 SH       DEFINED                5000        0        0
SMITH INTERNATIONAL INC COM    COMMON STOCK     832110100     1629    23883 SH       DEFINED               23883        0        0
SOUTHERN CO COM                COMMON STOCK     842587107      410    14971 SH       DEFINED               14971        0        0
SOUTHERN CO COM                COMMON STOCK     842587107       32     1158 SH       OTHER                  1158        0        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     5505   340652 SH       DEFINED              333182        0     7470
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     2060   127506 SH       OTHER                125606        0     1900
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     5993   242130 SH       DEFINED              242130        0        0
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102      146     5910 SH       OTHER                  5910        0        0
SPINNAKER EXPLORATION COM      COMMON STOCK     84855W109     1531    42500 SH       DEFINED               42500        0        0
SRA INTERNATIONAL INC - CL A C COMMON STOCK     78464R105     1883    69800 SH       DEFINED               69800        0        0
STANDARD PACIFIC CORP COM STOC COMMON STOCK     85375C101     2361    67300 SH       DEFINED               67300        0        0
STAPLES INC COM*               COMMON STOCK     855030102      895    45450 SH       DEFINED               43800        0     1650
STAPLES INC COM*               COMMON STOCK     855030102       37     1890 SH       OTHER                  1890        0        0
STATE STREET CORP*             COMMON STOCK     857477103      486    10880 SH       DEFINED               10880        0        0
STEEL DYNAMICS INC COM         COMMON STOCK     858119100      800    48600 SH       DEFINED               48600        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      877    59390 SH       DEFINED               57140        0     2250
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      369    25000 SH       OTHER                 25000        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      181     3387 SH       DEFINED                3387        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      284     5300 SH       OTHER                  5300        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      503   100336 SH       DEFINED              100336        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      100    19930 SH       OTHER                 19910        0       20
SUNTRUST BANKS INC COM         COMMON STOCK     867914103      241     3562 SH       DEFINED                3562        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103        7      100 SH       OTHER                   100        0        0
SUPERIOR INDUSTRIES INTL INC C COMMON STOCK     868168105     1526    33000 SH       DEFINED               33000        0        0
SWIFT TRANSPORTATION INC COM   COMMON STOCK     870756103     1645    70600 SH       DEFINED               70600        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101     1834    92000 SH       DEFINED               92000        0        0
SYMANTEC CORP COM*             COMMON STOCK     871503108    11616   353614 SH       DEFINED              346524        0     7090
SYMANTEC CORP COM*             COMMON STOCK     871503108      655    19950 SH       OTHER                 19950        0        0
SYNTROLEUM CORP COM            COMMON STOCK     871630109       86    30000 SH       DEFINED               30000        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     3624   133138 SH       DEFINED              133138        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     1888    69370 SH       OTHER                 69170        0      200
TARGET CORP COM *              COMMON STOCK     87612E106      420    11029 SH       DEFINED               10669        0      360
TARGET CORP COM *              COMMON STOCK     87612E106      351     9200 SH       OTHER                  9200        0        0
TCF FINANCIAL CORP COM         COMMON STOCK     872275102     1444    29400 SH       DEFINED               29400        0        0
TECH DATA CORP COM*            COMMON STOCK     878237106     1325    35018 SH       DEFINED               35018        0        0
TECH DATA CORP COM*            COMMON STOCK     878237106       38     1000 SH       OTHER                  1000        0        0
TELEDYNE TECHNOLOGIES INC COM  COMMON STOCK     879360105     1771    85365 SH       DEFINED               85365        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    35897   620405 SH       DEFINED              620405        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107       68     1180 SH       OTHER                     0     1080      100
TETRA TECHNOLOGIES INC DEL COM COMMON STOCK     88162F105     1973    74300 SH       DEFINED               74300        0        0
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104    13593   573553 SH       DEFINED              559658        0    13895
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104      815    34369 SH       OTHER                 31019       50     3300
TEXTRON INC COM *              COMMON STOCK     883203101      728    15527 SH       DEFINED               15527        0        0
TEXTRON INC COM *              COMMON STOCK     883203101      220     4700 SH       OTHER                  1100     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105     1471    22900 SH       DEFINED               22900        0        0
TIFFANY & CO NEW COM*          COMMON STOCK     886547108     1162    33000 SH       DEFINED               33000        0        0
TIFFANY & CO NEW COM*          COMMON STOCK     886547108       70     2000 SH       OTHER                     0        0     2000
TIMKEN CO COM                  COMMON STOCK     887389104     1424    63780 SH       DEFINED               63780        0        0
TOWER AUTOMOTIVE INC COM       COMMON STOCK     891707101     2165   155200 SH       DEFINED              155200        0        0
TRACTOR SUPPLY CO COM          COMMON STOCK     892356106     5516    77700 SH       DEFINED               77700        0        0
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109     1045    24660 SH       DEFINED               24500        0      160
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109       68     1600 SH       OTHER                     0        0     1600
TXU CORP COM *                 COMMON STOCK     873168108     5594   108518 SH       DEFINED              108218        0      300
TXU CORP COM *                 COMMON STOCK     873168108      523    10148 SH       OTHER                  8598        0     1550
UNITED PARCEL SERVICE CLASS B  COMMON STOCK     911312106      523     8468 SH       DEFINED                8468        0        0
UNITED STATES STEEL CORP NEW C COMMON STOCK     912909108        5      240 SH       DEFINED                 240        0        0
UNITED STATES STEEL CORP NEW C COMMON STOCK     912909108      497    25000 SH       OTHER                 25000        0        0
UNITED TECHNOLOGIES CORP COM*  COMMON STOCK     913017109       65      956 SH       DEFINED                 956        0        0
UNITED TECHNOLOGIES CORP COM*  COMMON STOCK     913017109      307     4524 SH       OTHER                  3500     1024        0
UNOCAL CORP COM *              COMMON STOCK     915289102     1457    39450 SH       DEFINED               39450        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      122     3300 SH       OTHER                  3300        0        0
US BANCORP DEL COM NEW         COMMON STOCK     902973304      205     8761 SH       DEFINED                8761        0        0
US BANCORP DEL COM NEW         COMMON STOCK     902973304       57     2425 SH       OTHER                  2425        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100     5313   140287 SH       DEFINED              137103        0     3184
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      543    14335 SH       OTHER                  6505        0     7830
UST INC COM                    COMMON STOCK     902911106      483    14200 SH       DEFINED               13200        0     1000
VARCO INTL INC DEL COM         COMMON STOCK     922122106      768    43788 SH       DEFINED               43788        0        0
VARIAN INC COM                 COMMON STOCK     922206107     2770    84080 SH       DEFINED               84080        0        0
VARIAN MEDICAL SYSTEMS INC COM COMMON STOCK     92220P105     1780    43900 SH       DEFINED               43900        0        0
VENTAS INC COM                 COMMON STOCK     92276F100     5060   396897 SH       DEFINED              396897        0        0
VENTAS INC COM                 COMMON STOCK     92276F100       22     1689 SH       OTHER                  1689        0        0
VERITAS SOFTWARE CORP COM*     COMMON STOCK     923436109     8542   431635 SH       DEFINED              430215        0     1420
VERITAS SOFTWARE CORP COM*     COMMON STOCK     923436109      621    31372 SH       OTHER                 31372        0        0
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104    13833   344538 SH       DEFINED              343289        0     1249
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104     1398    34830 SH       OTHER                 32630        0     2200
VIACOM INC CLASS B COM         COMMON STOCK     925524308      105     2364 SH       DEFINED                2364        0        0
VIACOM INC CLASS B COM         COMMON STOCK     925524308      190     4284 SH       OTHER                  2657        0     1627
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108      771    35048 SH       DEFINED               35048        0        0
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108      221    10023 SH       OTHER                 10023        0        0
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059100      779    34000 SH       DEFINED               34000        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    18099   329019 SH       DEFINED              323364        0     5655
WAL MART STORES INC COM *      COMMON STOCK     931142103     2806    51001 SH       OTHER                 44526      100     6375
WALGREEN CO COM*               COMMON STOCK     931422109      557    14416 SH       DEFINED               13594        0      822
WALGREEN CO COM*               COMMON STOCK     931422109      394    10200 SH       OTHER                 10200        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109     7925   313722 SH       DEFINED              313722        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109      104     4100 SH       OTHER                  4100        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      522    14055 SH       DEFINED               14055        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      136     3664 SH       OTHER                  3664        0        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109      430    16500 SH       DEFINED               16500        0        0
WAUSAU-MOSINEE PAPER CORP COM  COMMON STOCK     943315101      292    24193 SH       DEFINED               24193        0        0
WEIS MARKETS INC COM           COMMON STOCK     948849104     1430    38900 SH       DEFINED               38900        0        0
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101    18002   359612 SH       DEFINED              352852        0     6760
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     1648    32914 SH       OTHER                 28914     4000        0
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109     1236    31034 SH       DEFINED               31034        0        0
WHIRLPOOL CORP COM             COMMON STOCK     963320106     1314    20100 SH       DEFINED               20100        0        0
WHOLE FOODS MARKET INC COM     COMMON STOCK     966837106     1866    38700 SH       DEFINED               38700        0        0
WILLBROS GROUP INC COM         COMMON STOCK     969199108      855    50300 SH       DEFINED               50300        0        0
WILLIAMS COS COM *             COMMON STOCK     969457100       60    10055 SH       DEFINED               10055        0        0
WILLIAMS COS COM *             COMMON STOCK     969457100      215    35874 SH       OTHER                 35874        0        0
WILLIAMS SONOMA INC COM*       COMMON STOCK     969904101     1502    49000 SH       DEFINED               49000        0        0
WORLDCOM INC WORLDCOM GRP TRAC COMMON STOCK     98157D106        8     9996 SH       DEFINED                9996        0        0
WORLDCOM INC WORLDCOM GRP TRAC COMMON STOCK     98157D106        1     1060 SH       OTHER                  1000        0       60
WORTHINGTON INDS INC COM (OHIO COMMON STOCK     981811102     1012    55900 SH       DEFINED               55900        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      117     2111 SH       DEFINED                2111        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      166     3000 SH       OTHER                     0        0     3000
WYETH COM STOCK*               COMMON STOCK     983024100    14912   291245 SH       DEFINED              290785        0      460
WYETH COM STOCK*               COMMON STOCK     983024100     1611    31464 SH       OTHER                 21264     9600      600
XCEL ENERGY INC *              COMMON STOCK     98389B100    11921   710832 SH       DEFINED              710640        0      192
XCEL ENERGY INC *              COMMON STOCK     98389B100      222    13218 SH       OTHER                 13218        0        0
XTO ENERGY INC COM             COMMON STOCK     98385X106     1845    89587 SH       DEFINED               89587        0        0
YUM! BRANDS INC COM            COMMON STOCK     988498101      392    13396 SH       DEFINED               13396        0        0
YUM! BRANDS INC COM            COMMON STOCK     988498101      115     3928 SH       OTHER                  2728      720      480
ZIMMER HLDGS INC*              COMMON STOCK     98956P102      237     6651 SH       DEFINED                6481        0      170
ZIMMER HLDGS INC*              COMMON STOCK     98956P102       43     1207 SH       OTHER                  1207        0        0
ZOLL MEDICAL CORPORATION COM   COMMON STOCK     989922109     1578    48500 SH       DEFINED               48500        0        0
3M CO COM*                     COMMON STOCK     88579Y101    15408   125266 SH       DEFINED              122521        0     2745
3M CO COM*                     COMMON STOCK     88579Y101     2554    20766 SH       OTHER                 12466     5800     2500
AGRIUM INC COM                 COMMON STOCK     008916108     6699   712621 SH       DEFINED              712621        0        0
AGRIUM INC COM                 COMMON STOCK     008916108       68     7191 SH       OTHER                  7191        0        0
ALCON INC COM                  COMMON STOCK     H01301102        3      100 SH       DEFINED                 100        0        0
ALCON INC COM                  COMMON STOCK     H01301102      856    25000 SH       OTHER                 25000        0        0
BIOVAIL CORPORATION COM*       COMMON STOCK     09067J109     2785    96176 SH       DEFINED               95621        0      555
BIOVAIL CORPORATION COM*       COMMON STOCK     09067J109      198     6851 SH       OTHER                  6851        0        0
BP PLC SPONSORED ADR *         COMMON STOCK     055622104    15207   301182 SH       DEFINED              294678        0     6504
BP PLC SPONSORED ADR *         COMMON STOCK     055622104     3440    68142 SH       OTHER                 53829     8717     5596
BT GROUP PLC ADR               COMMON STOCK     05577E101      320     8400 SH       DEFINED                8400        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102     3251    62769 SH       DEFINED               62769        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       36      686 SH       OTHER                   686        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101      993    28992 SH       DEFINED               28992        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101        8      226 SH       OTHER                   226        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103       42    16000 SH       DEFINED               16000        0        0
ENCANA CORP COM                COMMON STOCK     292505104      369    12060 SH       DEFINED               12060        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      442    30900 SH       DEFINED               30900        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      594     7420 SH       DEFINED                7420        0        0
FAIRMONT HOTELS RESORTS INC CO COMMON STOCK     305204109     2712   105200 SH       DEFINED              105200        0        0
GARMIN LTD                     COMMON STOCK     G37260109     1484    67300 SH       DEFINED               67300        0        0
GLAXOSMITHKLINE PLC ADR        COMMON STOCK     37733W105      669    15517 SH       DEFINED               15217        0      300
HITACHI LTD ADR                COMMON STOCK     433578507      241     3750 SH       DEFINED                3750        0        0
IMPERIAL TOBACCO GROUP PLC ADR COMMON STOCK     453142101      266     8200 SH       DEFINED                8200        0        0
KONINKLIJKE PHILIPS ELECTRS N  COMMON STOCK     500472303      506    18325 SH       DEFINED               18325        0        0
KOREA ELECTRIC POWER CORP SPON COMMON STOCK     500631106      241    23000 SH       DEFINED               23000        0        0
KT CORP SPONSORED ADR          COMMON STOCK     48268K101      228    10550 SH       DEFINED               10550        0        0
MANULIFE FINANCIAL CORP COM    COMMON STOCK     56501R106      450    15738 SH       DEFINED               15738        0        0
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204     2383   164545 SH       DEFINED              160295        0     4250
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204      657    45394 SH       OTHER                 41529        0     3865
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605    11429   237506 SH       DEFINED              237255        0      251
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605      149     3090 SH       OTHER                  2973      117        0
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207     8630   376848 SH       DEFINED              376754        0       94
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207      121     5302 SH       OTHER                  5302        0        0
PETROLEO BRASILEIRO SA PETROBR COMMON STOCK     71654V408      239    12650 SH       DEFINED               12650        0        0
PORTUGAL TELECOM SGPS S A      COMMON STOCK     737273102      287    40300 SH       DEFINED               40300        0        0
REPSOL YPF S.A. SPONSORED ADR  COMMON STOCK     76026T205      195    16500 SH       DEFINED               16500        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     3023    54689 SH       DEFINED               54689        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      286     5170 SH       OTHER                  4370        0      800
SAN PAOLO-IMI S P A SPONSORED  COMMON STOCK     799175104      267    13300 SH       DEFINED               13300        0        0
SCOTTISH ANNUITY & LIFE HOLDIN COMMON STOCK     G7885T104     1633    85600 SH       DEFINED               85600        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705     1423    66505 SH       DEFINED               66505        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705       29     1369 SH       OTHER                  1305        0       64
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609      486    10800 SH       DEFINED               10800        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      316     7000 SH       OTHER                  7000        0        0
TELECOM ITALIA SPA             COMMON STOCK     87927W106      347     4445 SH       DEFINED                4445        0        0
TELEFONOS DE MEXICO SP ADR     COMMON STOCK     879403780      283     8826 SH       DEFINED                8826        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209     1436    21500 SH       DEFINED               21500        0        0
TOTAL FINA ELF S A SPONSORED A COMMON STOCK     89151E109      663     8200 SH       DEFINED                8200        0        0
TOYOTA MOTOR CORP ADR 2 COM    COMMON STOCK     892331307      212     4000 SH       DEFINED                4000        0        0
TRANSOCEAN INC *               COMMON STOCK     G90078109     2910    93409 SH       DEFINED               93332        0       77
TRANSOCEAN INC *               COMMON STOCK     G90078109      208     6679 SH       OTHER                  6254        0      425
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      488     7528 SH       DEFINED                7528        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      128     1983 SH       OTHER                  1983        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857W100      222    16283 SH       DEFINED               15033        0     1250
VODAFONE GROUP PLC             COMMON STOCK     92857W100       55     4000 SH       OTHER                  4000        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105     3919    46266 SH       DEFINED               46266        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105       35      412 SH       OTHER                   412        0        0
EL PASO ENERGY CAP I 4.75% CON PREFERRED STOCK  283678209      453    12300 SH       DEFINED             N.A.     N.A.     N.A.
CORNING INC                 11 OTHER            219350AJ4       15    30000 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703        5       60 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703      435     5100 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY INDIA INVESTMEN OTHER            61745C105      171    18500 SH       DEFINED             N.A.     N.A.     N.A.
MUNIHOLDINGS INSURED FUND INC  OTHER            625930102      131    10000 SH       DEFINED             N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP COM       OTHER            895436103      208    12940 SH       DEFINED             N.A.     N.A.     N.A.
ACM INCOME FUND INC COM        OTHER            000912105       80    10000 SH       DEFINED             N.A.     N.A.     N.A.
ACM INCOME FUND INC COM        OTHER            000912105        9     1166 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST INC COM OTHER            09247F100       32     4060 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST INC COM OTHER            09247F100       59     7500 SH       OTHER               N.A.     N.A.     N.A.
HIGH INCOME OPPORTUNITY FUND,  OTHER            42967Q105       67    10939 SH       DEFINED             N.A.     N.A.     N.A.
PACHOLDER HIGH YIELD FUND INC  OTHER            693742108      144    17767 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND INC COM OTHER            62630E107      144     9903 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND INC COM OTHER            62630E107       29     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103      309    19908 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100      439    45898 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100        4      400 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108      223    15100 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER            67063W102      177    12030 SH       DEFINED             N.A.     N.A.     N.A.
BUCKEYE PARTNERS L P UNIT      OTHER            118230101     1199    33818 SH       DEFINED               33818        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106        6      200 SH       DEFINED                 200        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106      198     6300 SH       OTHER                  4000        0     2300
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      285    12507 SH       DEFINED               12507        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      114     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105      144    13000 SH       DEFINED               13000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       18     1650 SH       OTHER                     0     1650        0
TEPPCO PARTNERS L P UNIT LTD P OTHER            872384102      176     5500 SH       DEFINED                5500        0        0
TEPPCO PARTNERS L P UNIT LTD P OTHER            872384102       29      900 SH       OTHER                     0        0      900