UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 06/30/02
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Check here if Amendment [ ]; Amendment Number:
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This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: PEAPACK GLADSTONE FINANCIAL CORPORATION
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Address: 158 ROUTE 206 NORTH
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GLADSTONE, NJ 07934
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Form 13F File Number: 28-
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The Institutional Investment Manager filing this report and the person by whom
it is signed represent that the person signing the report is authorized to
submit it, that all information contained herein is true, correct and complete,
and that it is understood that all required items, statements, schedules,
lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: ROY C. MILLER
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Title: VICE PRESIDENT
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Phone: 908 719 3306
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Signature, Place, and Date of Signing:
Roy C. Miller Gladstone, NJ 7/23/02
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[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-
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[Repeat as necessary.]
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers:
Form 13F Information Table Entry Total: 6,100,164
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Form 13F Information Table Value Total: 214,164
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(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 40 848 SH DEFINED 848 0 0
ACE LTD G0070K103 1 37 SH DEFINED 37 0 0
ACCENTURE LTD CLASS A G1150G111 1 100 SH DEFINED 100 0 0
FOSTER WHEELER LTD G36535105 1 700 SH DEFINED 700 0 0
GLOBAL CROSSING LTD G3921A100 0 700 SH SOLE 700 0 0
GLOBAL CROSSING LTD G3921A100 0 3880 SH DEFINED 2650 0 1230
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 85 1875 SH SOLE 1875 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 314 6900 SH DEFINED 6650 250 0
KNIGHTSBRIDGE TANKERS G5299G106 21 1500 SH DEFINED 1500 0 0
NORDIC AMERN TANKER
SHIPPING LTD G65773106 27 2000 SH DEFINED 2000 0 0
TRANSOCEAN INC G90078109 174 5614 SH SOLE 5614 0 0
TRANSOCEAN INC G90078109 16 521 SH DEFINED 521 0 0
EXEL LIMITED CAPITAL CLASS A G98255105 2 30 SH DEFINED 30 0 0
GILAT SATELLITE NETWORK LTD M51474100 2 2412 SH SOLE 2412 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 31 4400 SH SOLE 4400 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 144 20300 SH DEFINED 19200 0 1100
AFLAC INCORPORATED 001055102 38 1200 SH DEFINED 1200 0 0
AGCO CORPORATION 001084102 339 17400 SH SOLE 17400 0 0
AGCO CORPORATION 001084102 143 7350 SH DEFINED 7350 0 0
AES CORPORATION 00130H105 5 933 SH SOLE 933 0 0
AK STEEL HOLDING CORP 001547108 25 2000 SH DEFINED 2000 0 0
AOL TIME WARNER INC 00184A105 94 6400 SH SOLE 6400 0 0
AOL TIME WARNER INC 00184A105 509 34639 SH DEFINED 32189 0 2450
A T & T CORPORATION 001957109 86 8075 SH SOLE 6841 1234 0
A T & T CORPORATION 001957109 324 30313 SH DEFINED 26858 1075 2380
ATMI , INC. 00207R101 22 1000 SH SOLE 1000 0 0
AT&T WIRELESS SERVICES INC 00209A106 20 3529 SH SOLE 3132 397 0
AT&T WIRELESS SERVICES INC 00209A106 72 12476 SH DEFINED 11158 553 765
AASTROM BIOSCIENCES 00253U107 1 3500 SH DEFINED 3500 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
ABBOTT LABS COM 002824100 342 9102 SH SOLE 8927 0 175
ABBOTT LABS COM 002824100 1253 33293 SH DEFINED 30793 2500 0
ABERCROMBIE & FITCH 002896207 9 400 SH DEFINED 400 0 0
ADAMS EXPRESS COMPANY 006212104 5 446 SH DEFINED 446 0 0
ADOBE SYSTEMS INCORPORATED 00724F101 14 500 SH SOLE 500 0 0
AEGON N V ORD 007924103 4 244 SH SOLE 244 0 0
AETNA U S HEALTHCARE INC 00817Y108 3 75 SH DEFINED 75 0 0
AGERE SYSTEMS INC 00845V100 0 208 SH SOLE 197 11 0
AGERE SYSTEMS INC 00845V100 0 603 SH DEFINED 541 14 48
AGILENT TECHNOLOGIES 00846U101 1 76 SH SOLE 76 0 0
AGILENT TECHNOLOGIES 00846U101 122 5190 SH DEFINED 4331 631 228
AIR PRODUCTS & CHEMICALS INC 009158106 375 7450 SH SOLE 7450 0 0
AIR PRODUCTS & CHEMICALS INC 009158106 254 5050 SH DEFINED 5050 0 0
AIRTRAN HOLDINGS INC COM 00949P108 0 100 SH DEFINED 100 0 0
ALCOA INC COM 013817101 19 600 SH SOLE 600 0 0
ALCOA INC COM 013817101 112 3400 SH DEFINED 2400 1000 0
ALLEGHENY ENERGY INC 017361106 74 2900 SH SOLE 2900 0 0
ALLEGHENY ENERGY INC 017361106 87 3400 SH DEFINED 3400 0 0
ALLERGAN INC COM 018490102 8 125 SH DEFINED 125 0 0
ALLETE INC 018522102 10 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL MANAGEMENT
HOLDING LP 01855A101 24 725 SH DEFINED 725 0 0
ALLIANCE PHARMACEUTICAL CORP COM NEW 018773309 0 112 SH DEFINED 112 0 0
ALLIANT ENERGY CORP COM 018802108 27 1066 SH DEFINED 1066 0 0
ALLIED CAPITAL CORP NEW 01903Q108 59 2626 SH SOLE 2626 0 0
ALLIED CAPITAL CORP NEW 01903Q108 95 4200 SH DEFINED 4200 0 0
ALLMERICA FINANCIAL
CORPORATION 019754100 14 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL
CORPORATION 019754100 8 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 63 1708 SH SOLE 1708 0 0
ALLSTATE CORP COM 020002101 43 1184 SH DEFINED 1184 0 0
ALLTELL CORPORATION 020039103 723 15400 SH SOLE 15400 0 0
ALLTELL CORPORATION 020039103 188 4001 SH DEFINED 3701 300 0
AMAZON COM INC COM 023135106 4 300 SH DEFINED 300 0 0
AMEREN CORP COM 023608102 81 1900 SH SOLE 1900 0 0
AMEREN CORP COM 023608102 116 2700 SH DEFINED 2700 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
AMERICA MOVIL ADS 02364W105 5 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 123 3092 SH SOLE 3092 0 0
AMERICAN ELEC PWR INC COM 025537101 301 7546 SH DEFINED 7546 0 0
AMERICAN EXPRESS CO COM 025816109 210 5800 SH SOLE 4600 300 900
AMERICAN EXPRESS CO COM 025816109 692 19075 SH DEFINED 19075 0 0
AMERICAN INTERNATIONAL GROUP 026874107 885 12977 SH SOLE 12977 0 0
AMERICAN INTERNATIONAL GROUP 026874107 2574 37734 SH DEFINED 34509 2850 375
AMERICAN STANDARD COMPANIES INC 029712106 37 500 SH DEFINED 500 0 0
AMERICAN WATER WORKS CO 030411102 129 3000 SH DEFINED 3000 0 0
AMETEK INC (NEW) 031100100 119 3200 SH SOLE 3200 0 0
AMETEK INC (NEW) 031100100 10 280 SH DEFINED 280 0 0
AMGEN INC 031162100 76 1838 SH SOLE 1538 0 300
AMGEN INC 031162100 61 1470 SH DEFINED 1470 0 0
AMSOUTH BANCORPORATION 032165102 37 1687 SH DEFINED 1687 0 0
ANADARKO PETE CORP COM 032511107 629 12779 SH SOLE 12779 0 0
ANADARKO PETE CORP COM 032511107 1302 26419 SH DEFINED 25035 0 1384
ANHEUSER BUSCH COS INC COM 035229103 636 12725 SH SOLE 12725 0 0
ANHEUSER BUSCH COS INC COM 035229103 991 19820 SH DEFINED 18695 1125 0
ANTIGENICS INC DEL 037032109 0 89 SH DEFINED 0 0 89
AON CORP 037389103 3 125 SH DEFINED 125 0 0
APACHE CORPORATION 037411105 207 3613 SH SOLE 3613 0 0
APOLLO GROUP INC CL A 037604105 672 17062 SH SOLE 17062 0 0
APOLLO GROUP INC CL A 037604105 450 11437 SH DEFINED 11437 0 0
APPLERA CORP COM CELERA
GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0
APPLIED MICRO CIRCUITS CORP 03822W109 0 100 SH SOLE 100 0 0
APPLIED MATERIALS INC 038222105 57 3000 SH SOLE 3000 0 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 1 100 SH SOLE 100 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 79 1948 SH SOLE 1948 0 0
AUTHENTIDATE HOLDING CORP 052666104 3 1000 SH SOLE 1000 0 0
AUTOMATIC DATA PROCESSING 053015103 616 14160 SH SOLE 14160 0 0
AUTOMATIC DATA PROCESSING 053015103 745 17130 SH DEFINED 15830 1300 0
AVAYA INC COM USD .01 053499109 1 368 SH SOLE 368 0 0
AVAYA INC COM USD .01 053499109 18 3642 SH DEFINED 3526 0 116
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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
AVISTA CORP COM 05379B107 8 600 SH DEFINED 600 0 0
AVON PRODUCTS 054303102 70 1350 SH DEFINED 300 1050 0
BCE INC COM 05534B109 1 100 SH SOLE 100 0 0
BOC GROUP PLC ADR 055617609 15 500 SH DEFINED 500 0 0
BP PLC 055622104 868 17199 SH SOLE 17099 0 100
BP PLC 055622104 1920 38047 SH DEFINED 37047 1000 0
BACK YARD BURGERS INC 05635W101 11 1000 SH DEFINED 1000 0 0
BAKER HUGHES INCORPORATED COMMON 057224107 4 125 SH SOLE 125 0 0
BAKER HUGHES INCORPORATED COMMON 057224107 24 750 SH DEFINED 500 250 0
BALLARD POWER SYSTEMS INC 05858H104 9 600 SH DEFINED 600 0 0
BANK AMERICA CORP COM 060505104 188 2675 SH SOLE 1675 0 1000
BANK AMERICA CORP COM 060505104 558 7937 SH DEFINED 6587 1350 0
BANK OF NEW YORK INC 064057102 529 15700 SH SOLE 15700 0 0
BANK OF NEW YORK INC 064057102 355 10548 SH DEFINED 10548 0 0
BANC ONE CORP COM 06423A103 119 3115 SH DEFINED 3115 0 0
BARD C R INC COM 067383109 11 200 SH DEFINED 200 0 0
BARR LABS INC 068306109 19 300 SH DEFINED 300 0 0
BAUSCH & LOMB INC COM 071707103 33 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 62 1400 SH SOLE 1400 0 0
BAXTER INTERNATIONAL 071813109 44 1000 SH DEFINED 1000 0 0
BECTON DICKINSON & COMPANY 075887109 44 1300 SH DEFINED 1300 0 0
BED BATH & BEYOND 075896100 84 2250 SH DEFINED 2250 0 0
BELLSOUTH CORP COM 079860102 237 7552 SH SOLE 6076 1476 0
BELLSOUTH CORP COM 079860102 1286 40830 SH DEFINED 39805 225 800
BEST BUY COMPANY INC 086516101 97 2700 SH SOLE 2700 0 0
BEST BUY COMPANY INC 086516101 67 1872 SH DEFINED 1872 0 0
BIOPURE CORP 09065H105 3 500 SH SOLE 500 0 0
BIOVAIL CORPORATION 09067J109 28 1000 SH SOLE 1000 0 0
BLACK & DECKER CORP COM 091797100 30 635 SH DEFINED 435 200 0
BLACKROCK NJ MUNICIPAL
INCOME TRUST 09248J101 24 1700 SH DEFINED 1700 0 0
BLOCK H & R INC COM 093671105 46 1000 SH DEFINED 1000 0 0
BOEING CO COM 097023105 90 2022 SH DEFINED 2022 0 0
BOSTON PROPERTIES INC. 101121101 9 250 SH SOLE 250 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
BOSTON SCIENTIFIC CORP. 101137107 11 400 SH DEFINED 400 0 0
BOYD GAMING CORP 103304101 5 400 SH DEFINED 400 0 0
BRIGGS & STRATTON CORPORATION 109043109 0 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 906 35287 SH SOLE 31787 0 3500
BRISTOL-MYERS SQUIBB 110122108 2922 113702 SH DEFINED 111902 300 1500
BROADCOM CORPORATION COM 111320107 5 300 SH DEFINED 0 0 300
BROWN FORMAN DISTILLERS
CORPCLASS 'A' VOTING 115637100 42 600 SH DEFINED 600 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 10 300 SH DEFINED 300 0 0
BURLINGTON NORTHERN SANTA
FE CORP 12189T104 118 3949 SH DEFINED 2829 1120 0
BURLINGTON RESOURCES 122014103 41 1095 SH DEFINED 1095 0 0
CSX CORP COM 126408103 21 600 SH SOLE 600 0 0
CSX CORP COM 126408103 42 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 597 19525 SH SOLE 19525 0 0
CVS CORP COM 126650100 915 29940 SH DEFINED 27890 2050 0
CALIPER TECHNOLOGIES CORP 130876105 18 2200 SH SOLE 2200 0 0
CALPINE CORP 131347106 0 100 SH SOLE 100 0 0
CALPINE CORP 131347106 1 200 SH DEFINED 200 0 0
CAMPBELL SOUP CO COM 134429109 55 2000 SH DEFINED 2000 0 0
CAPITAL ONE FINANCIAL 14040H105 30 500 SH SOLE 500 0 0
CAPITAL ONE FINANCIAL 14040H105 30 500 SH DEFINED 500 0 0
CARDINAL HEALTH 14149Y108 24 400 SH DEFINED 400 0 0
CATERPILLAR INC 149123101 161 3300 SH DEFINED 3300 0 0
CELL PATHWAYS INC 15114R101 8 5900 SH DEFINED 5900 0 0
CENDANT CORPORATION 151313103 3 200 SH DEFINED 200 0 0
CENTRAL SECURITIES CORP. 155123102 439 20750 SH SOLE 20750 0 0
CEPHALON INC. 156708109 2 47 SH DEFINED 47 0 0
CERTEGY INC 156880106 12 325 SH DEFINED 325 0 0
CHARTER COMMUNICATIONS 16117M107 2 700 SH DEFINED 700 0 0
CHEVRONTEXACO CORP 166764100 682 7717 SH SOLE 4947 0 2770
CHEVRONTEXACO CORP 166764100 1125 12722 SH DEFINED 12722 0 0
CHICO'S FAS INC 168615102 7 200 SH DEFINED 200 0 0
CHINA MOBILE HONG KONG LTD ADR 16941M109 67 4600 SH DEFINED 1800 0 2800
CHORDIANT SOFTWARE INC. 170404107 0 240 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 873 12340 SH SOLE 12340 0 0
THE CHUBB CORPORATION 171232101 957 13525 SH DEFINED 13525 0 0
CHURCH & DWIGHT INC COM 171340102 62 2000 SH DEFINED 2000 0 0
CIENA CORPORATION 171779101 2 600 SH DEFINED 600 0 0
CIGNA INVESTMENT
SECURITIES,INC. 17179X106 36 2191 SH DEFINED 2191 0 0
CINERGY CORP 172474108 19 550 SH DEFINED 550 0 0
CISCO SYS INC 17275R102 1115 79977 SH SOLE 78977 0 1000
CISCO SYS INC 17275R102 1139 81699 SH DEFINED 78899 800 2000
CITIGROUP INC 172967101 2032 52457 SH SOLE 47407 400 4650
CITIGROUP INC 172967101 4603 118803 SH DEFINED 113559 4978 266
CITRIX SYSTEMS INC 177376100 0 100 SH DEFINED 100 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 229 7175 SH SOLE 7175 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 40 1250 SH DEFINED 950 300 0
CLOROX CO DEL COM 189054109 4 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 286 5117 SH SOLE 5117 0 0
COCA COLA CO COM 191216100 1071 19141 SH DEFINED 18641 500 0
COLGATE PALMOLIVE CO COM 194162103 1450 28991 SH SOLE 28891 0 100
COLGATE PALMOLIVE CO COM 194162103 1980 39582 SH DEFINED 39582 0 0
COMERICA INC. CO 200340107 46 750 SH DEFINED 750 0 0
COMMERCE BANCORP NJ 200519106 17 400 SH DEFINED 400 0 0
CONAGRA FOODS INC COM 205887102 58 2100 SH DEFINED 1600 500 0
COMSHARE INC 205912108 1 500 SH DEFINED 500 0 0
CONECTIV INC COM 206829103 58 2250 SH DEFINED 2250 0 0
CONECTIV INC CL A 206829202 2 125 SH DEFINED 125 0 0
CONEXANT SYS INC COM 207142100 2 1600 SH DEFINED 1600 0 0
CONOCO INC COM 208251504 228 8238 SH SOLE 7838 400 0
CONOCO INC COM 208251504 1128 40615 SH DEFINED 35765 1900 2950
CONSOLIDATED EDISON COM 209115104 164 3948 SH DEFINED 3148 800 0
CONSTELLATION BRANDS INC CL A 21036P108 837 26170 SH SOLE 25970 0 200
CONSTELLATION BRANDS INC CL A 21036P108 1165 36425 SH DEFINED 36425 0 0
CONSTELLATION ENERGY
GROUP INC COM 210371100 8 300 SH SOLE 300 0 0
CONSTELLATION ENERGY
GROUP INC COM 210371100 88 3020 SH DEFINED 3020 0 0
CONTINENTAL AIRLINES INC CL B 210795308 4 300 SH DEFINED 300 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
CORN PRODS INTL INC COM 219023108 18 600 SH DEFINED 600 0 0
CORNING INC 219350105 11 3220 SH SOLE 3220 0 0
CORNING INC 219350105 97 27536 SH DEFINED 26336 0 1200
CORPORATE HIGH YIELD
FUND III INC 219925104 13 2000 SH DEFINED 2000 0 0
COSTCO WHOLESALE CORPORATION 22160K105 3 100 SH SOLE 100 0 0
COX COMMUNICATIONS INC
NEW CL A 224044107 16 604 SH DEFINED 604 0 0
CROWN CORK & SEAL CO INC 228255105 151 22125 SH SOLE 22125 0 0
CROWN CORK & SEAL CO INC 228255105 12 1800 SH DEFINED 1800 0 0
CUBIST PHARMACEUTICAL INC 229678107 2 300 SH DEFINED 300 0 0
CUMMINS ENGINE INC 231021106 33 1000 SH DEFINED 1000 0 0
CYTEC INDUSTRIES INC 232820100 0 10 SH SOLE 10 0 0
DTE ENERGY CO COM 233331107 20 454 SH DEFINED 454 0 0
DANAHER CORP 235851102 17 266 SH SOLE 0 0 266
DATATEC SYSTEMS INC 238128102 0 500 SH DEFINED 500 0 0
DECODE GENETICS INC 243586104 2 619 SH DEFINED 619 0 0
DEERE & COMPANY 244199105 179 3755 SH DEFINED 3255 0 500
DELL COMPUTER CORP 247025109 312 11955 SH SOLE 11955 0 0
DELL COMPUTER CORP 247025109 99 3805 SH DEFINED 3805 0 0
DELPHI CORPORATION CORP 247126105 0 16 SH SOLE 16 0 0
DELPHI CORPORATION CORP 247126105 6 523 SH DEFINED 523 0 0
DELTIC TIMBER CORP 247850100 172 5000 SH DEFINED 5000 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 14 300 SH DEFINED 300 0 0
DISNEY WALT CO COM DISNEY 254687106 22 1200 SH SOLE 1200 0 0
DISNEY WALT CO COM DISNEY 254687106 229 12161 SH DEFINED 10138 2023 0
DOMINION RES INC 25746U109 44 668 SH SOLE 668 0 0
DOMINION RES INC 25746U109 431 6521 SH DEFINED 6521 0 0
DOUBLECLICK INC 258609304 1 200 SH SOLE 200 0 0
DOVER CORPORATION 260003108 110 3150 SH SOLE 3150 0 0
DOW CHEM CO COM 260543103 316 9193 SH SOLE 9193 0 0
DOW CHEM CO COM 260543103 319 9290 SH DEFINED 6890 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 560 12632 SH SOLE 10232 0 2400
DU PONT E I DE NEMOURS & CO COM 263534109 1027 23150 SH DEFINED 21450 300 1400
DUKE ENERGY CORP COM 264399106 292 9406 SH SOLE 9406 0 0
DUKE ENERGY CORP COM 264399106 495 15933 SH DEFINED 15933 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
DYAX CORPORATION 26746E103 6 1750 SH SOLE 1750 0 0
E M C CORPORATION 268648102 20 2750 SH SOLE 2750 0 0
E M C CORPORATION 268648102 72 9642 SH DEFINED 9642 0 0
EMS TECHNOLOGIES INC 26873N108 6 300 SH DEFINED 300 0 0
EOG RES INC 26875P101 99 2500 SH DEFINED 2500 0 0
E*TRADE GROUP 269246104 6 1200 SH DEFINED 1200 0 0
EASTMAN CHEMICAL COMPANY 277432100 4 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 126 4350 SH SOLE 0 0 4350
EASTMAN KODAK CO COM 277461109 18 650 SH DEFINED 150 0 500
EBAY INC 278642103 61 1000 SH DEFINED 0 0 1000
EDISON SCHOOLS INC 281033100 1 1800 SH DEFINED 1800 0 0
EL PASO CORPORATION 28336L109 288 14010 SH SOLE 14010 0 0
EL PASO CORPORATION 28336L109 49 2419 SH DEFINED 2419 0 0
EL PASO ENERGY PARTNERS L P COM 28368B102 78 2450 SH DEFINED 450 2000 0
ELECTRONIC DATA SYSTEMS CORP 285661104 11 300 SH SOLE 300 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 27 750 SH DEFINED 750 0 0
EMCORE CORPORATION COM 290846104 78 13064 SH SOLE 0 0 13064
EMERSON ELEC CO COM 291011104 136 2550 SH SOLE 2550 0 0
EMERSON ELEC CO COM 291011104 503 9408 SH DEFINED 9408 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 40 900 SH SOLE 900 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 314 7025 SH DEFINED 6025 1000 0
ENERGEN CORP COM 29265N108 33 1200 SH DEFINED 1200 0 0
ENERGY CONVERSION
DEVICES INC COM 292659109 10 700 SH DEFINED 700 0 0
ENERGY EAST CORP COM 29266M109 102 4540 SH DEFINED 4540 0 0
ENGELHARD CORP COM 292845104 79 2802 SH DEFINED 2802 0 0
ENTERGY CORP NEW COM 29364G103 106 2500 SH DEFINED 2500 0 0
ENTERPRISE PRODUCTS
PARTNERS LP 293792107 32 2000 SH DEFINED 0 2000 0
ENTREMED INC COM 29382F103 3 1200 SH DEFINED 900 0 300
EQUIFAX, INC. 294429105 17 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 34 1000 SH DEFINED 1000 0 0
EQUITY INCOME FUND EXCHANGE
SER.AT&T SHS 1ST 294700703 49 576 SH DEFINED 576 0 0
EQUITY OFFICE PPTYS TR COM 294741103 167 5562 SH DEFINED 3562 2000 0
EQUITY OIL CO 294749106 2 1000 SH DEFINED 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
EQUITY RESIDENTIAL SBI 29476L107 35 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL SBI 29476L107 5 200 SH DEFINED 200 0 0
ERICSSON L M TEL CO ADR CL B 294821400 5 3520 SH SOLE 3520 0 0
ERICSSON L M TEL CO ADR CL B 294821400 31 21680 SH DEFINED 17280 0 4400
EXELON CORP COM 30161N101 24 462 SH DEFINED 462 0 0
EXXON MOBIL CORP COM 30231G102 3752 91728 SH SOLE 85728 0 6000
EXXON MOBIL CORP COM 30231G102 12032 294133 SH DEFINED 265291 15258 13584
FPL GROUP INC COM 302571104 224 3750 SH SOLE 3750 0 0
FPL GROUP INC COM 302571104 578 9650 SH DEFINED 9650 0 0
FEDERAL AGRICULTURE
MORTGAGE CORP 313148306 8 325 SH SOLE 325 0 0
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 483 6550 SH SOLE 6550 0 0
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 371 5040 SH DEFINED 3090 1950 0
FEDERAL REALTY
INVESTMENT TRUST 313747206 11 423 SH DEFINED 423 0 0
FEDERAL SIGNAL CORPORATION 313855108 31 1300 SH DEFINED 1300 0 0
FEDEX CORPORATION 31428X106 26 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 23 350 SH DEFINED 350 0 0
FINISAR CORPORATION 31787A101 0 400 SH SOLE 400 0 0
FIRST DATA CORPORATION 319963104 48 1300 SH DEFINED 800 500 0
FIRST VIRGINIA BANK INC 337477103 24 450 SH SOLE 450 0 0
FIRSTENERGY CORP COM 337932107 87 2609 SH SOLE 2609 0 0
FIRSTENERGY CORP COM 337932107 83 2500 SH DEFINED 2500 0 0
FIVE STAR QUALITY CARE INC 33832D106 0 10 SH DEFINED 10 0 0
FLEETBOSTON FINANCIAL CORP COM 339030108 1370 42385 SH DEFINED 42285 100 0
FLOWER FOODS INC 343498101 19 750 SH DEFINED 750 0 0
FORD MOTOR CO DEL 345370860 50 3171 SH SOLE 3171 0 0
FORD MOTOR CO DEL 345370860 136 8540 SH DEFINED 7492 1048 0
FORTUNE BRANDS INC COM 349631101 69 1245 SH DEFINED 1245 0 0
FRANKLIN RESOURCES INC 354613101 63 1500 SH SOLE 1500 0 0
GATX CORP COM 361448103 24 800 SH DEFINED 800 0 0
GABLES RESIDENTIAL TRUST 362418105 31 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC
SPONSORED ADR 363595109 90 2437 SH DEFINED 2437 0 0
GAP INC 364760108 2 150 SH SOLE 150 0 0
GATEWAY INC COM 367626108 3 800 SH DEFINED 200 0 600
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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
GENENTECH INC 368710406 58 1750 SH SOLE 1750 0 0
GENENTECH INC 368710406 350 10475 SH DEFINED 10175 0 300
GENERAL ELEC CO COM 369604103 3912 134713 SH SOLE 128913 0 5800
GENERAL ELEC CO COM 369604103 7801 268647 SH DEFINED 259747 6200 2700
GENERAL MAGIC, INC 370253106 0 1000 SH DEFINED 1000 0 0
GENERAL MTRS CORP COM 370442105 516 9654 SH SOLE 9654 0 0
GENERAL MTRS CORP COM 370442105 664 12436 SH DEFINED 11186 1250 0
GENERAL MOTORS CLASS H NEW 370442832 25 2410 SH SOLE 2410 0 0
GENERAL MOTORS CLASS H NEW 370442832 152 14671 SH DEFINED 14671 0 0
GENZYME CORP
BIOSURGERY DIVISION 372917708 3 670 SH DEFINED 670 0 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 19 800 SH SOLE 400 400 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 316 12893 SH DEFINED 12893 0 0
GILLETTE COMPANY 375766102 180 5333 SH SOLE 5333 0 0
GILLETTE COMPANY 375766102 132 3900 SH DEFINED 2700 1200 0
GLAXO SMITHKLINE PLC
SPONSORED ADR 37733W105 261 6062 SH SOLE 6062 0 0
GLAXO SMITHKLINE PLC
SPONSORED ADR 37733W105 224 5212 SH DEFINED 5212 0 0
GOLDMAN SACHS GROUP 38141G104 588 8025 SH SOLE 8025 0 0
GOLDMAN SACHS GROUP 38141G104 632 8625 SH DEFINED 8625 0 0
GUIDANT CORP COM 401698105 272 9025 SH SOLE 9025 0 0
GUIDANT CORP COM 401698105 30 1025 SH DEFINED 1025 0 0
GUILFORD PHARMACEUTICALS INC 401829106 2 300 SH DEFINED 300 0 0
HRPT PPTYS TR COMM SH BEN INT 40426W101 8 1000 SH DEFINED 1000 0 0
HALLIBURTON CO COM 406216101 194 12182 SH DEFINED 12182 0 0
JOHN HANCOCK INCOME
SECURITIES TRUST 410123103 3 267 SH DEFINED 267 0 0
JOHN HANCOCK PATRIOT
PREMIUM DIV FD I COM 41013Q101 17 1834 SH DEFINED 1834 0 0
JOHN HANCOCK FINANCIAL
SERVICES,INC. 41014S106 47 1342 SH DEFINED 1342 0 0
HANDSPRING INC 410293104 0 200 SH SOLE 200 0 0
HARLEY DAVIDSON 412822108 15 300 SH SOLE 300 0 0
HARLEY DAVIDSON 412822108 215 4200 SH DEFINED 4200 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 65 1100 SH SOLE 1100 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 110 1862 SH DEFINED 1862 0 0
HEALTH CARE PPTY INVS INC COM 421915109 72 1700 SH DEFINED 1700 0 0
H.J. HEINZ COMPANY 423074103 6 150 SH SOLE 150 0 0
H.J. HEINZ COMPANY 423074103 44 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
HERSHEY FOODS CORP COM 427866108 306 4900 SH DEFINED 3700 0 1200
HEWLETT PACKARD CO COM 428236103 77 5052 SH SOLE 5052 0 0
HEWLETT PACKARD CO COM 428236103 544 35662 SH DEFINED 30555 3781 1326
HIBERNIA CORP 428656102 5 300 SH SOLE 300 0 0
HOME DEPOT, INC 437076102 1083 29500 SH SOLE 29200 300 0
HOME DEPOT, INC 437076102 2595 70688 SH DEFINED 70038 650 0
HONEYWELL INTERNATIONAL INC COM 438516106 19 550 SH SOLE 550 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 193 5508 SH DEFINED 5508 0 0
HOST MARRIOTT CORPORATION 44107P104 34 3074 SH DEFINED 3074 0 0
HOUSEHOLD INTL INC COM 441815107 273 5500 SH DEFINED 5500 0 0
HUDSON CITY BANCORP 443683107 43 2200 SH DEFINED 2200 0 0
HUDSON UNITED BANCORP 444165104 14 500 SH SOLE 500 0 0
HUNTINGTON BANCSHARES INC 446150104 52 2722 SH DEFINED 2722 0 0
IMS HEALTH INCORPORATED 449934108 52 2928 SH DEFINED 2928 0 0
ITT INDUSTRIES INC COM 450911102 38 550 SH SOLE 550 0 0
ITT INDUSTRIES INC COM 450911102 39 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 28 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 8 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 166 6000 SH DEFINED 6000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 14 214 SH DEFINED 214 0 0
IMAGISTICS INTERNATIONAL INC 45247T104 13 624 SH DEFINED 624 0 0
INDYMAC BANCORP INC 456607100 22 1000 SH DEFINED 1000 0 0
INKTOMI CORP COM 457277101 0 800 SH DEFINED 0 0 800
INNKEEPERS USA TRUST 4576J0104 19 2000 SH DEFINED 2000 0 0
INTEL CORP COM 458140100 558 30550 SH SOLE 29150 0 1400
INTEL CORP COM 458140100 1118 61224 SH DEFINED 56824 2600 1800
INTERMEDIATE MUNICIPAL
FUND INC 45880P104 19 2000 DEFINED 2000 0 0
INTERNATIONAL BUSINESS
MACHINE CORP COM 459200101 1098 15260 SH SOLE 15010 200 50
INTERNATIONAL BUSINESS
MACHINE CORP COM 459200101 4418 61362 SH DEFINED 59462 700 1200
INTL PAPER CO COM 460146103 178 4097 SH DEFINED 4097 0 0
INTERNET HOLDERS TRUST 46059W102 2 100 SH SOLE 100 0 0
INTERPUBLIC GROUP OF
COMPANIES INC 460690100 24 1000 SH DEFINED 1000 0 0
INTEVAC INC 461148108 8 3300 SH DEFINED 0 3300 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
INTUIT 461202103 4 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 21 683 SH DEFINED 683 0 0
JDS UNIPHASE CORPORATION 46612J101 0 200 SH SOLE 200 0 0
JDS UNIPHASE CORPORATION 46612J101 1 400 SH DEFINED 400 0 0
J P MORGAN CHASE & CO 46625H100 801 23636 SH SOLE 23636 0 0
J P MORGAN CHASE & CO 46625H100 1915 56492 SH DEFINED 55012 1480 0
JABIL CIRCUIT INC 466313103 3 150 SH SOLE 150 0 0
JABIL CIRCUIT INC 466313103 5 250 SH DEFINED 250 0 0
JEFFERSON PILOT CORPORATION 475070108 32 683 SH SOLE 683 0 0
JEFFERSON PILOT CORPORATION 475070108 48 1035 SH DEFINED 1035 0 0
JOHNSON & JOHNSON COM 478160104 2083 39867 SH SOLE 39267 0 600
JOHNSON & JOHNSON COM 478160104 6618 126672 SH DEFINED 119072 5600 2000
JOHNSON CTLS INC COM 478366107 14 180 SH DEFINED 180 0 0
JUNIPER NETWORKS 48203R104 0 100 SH SOLE 100 0 0
KPMG CONSULTING INC 48265R109 2 185 SH DEFINED 185 0 0
KADANT INC 48282T104 10 627 SH DEFINED 627 0 0
KELLOGG COMPANY 487836108 56 1575 SH SOLE 1575 0 0
KERR MCGEE CORP 492386107 0 18 SH DEFINED 18 0 0
KEYSPAN CORP COM 49337W100 50 1341 SH DEFINED 1341 0 0
KIMBERLY-CLARK CORPORATION 494368103 517 8349 SH SOLE 8349 0 0
KIMBERLY-CLARK CORPORATION 494368103 613 9900 SH DEFINED 9350 250 300
KINDER MORGAN ENERGY
PARTNERS L P 494550106 251 8000 SH DEFINED 5800 2000 200
KING PHARMACEUTICALS INC 495582108 4 200 SH DEFINED 200 0 0
KNIGHT-RIDDER INC 499040103 821 13050 SH SOLE 12950 0 100
KNIGHT-RIDDER INC 499040103 671 10675 SH DEFINED 9925 750 0
KONINKLIJKE PHILIPS
ELECTRS N V SP ADR 500472303 11 417 SH DEFINED 417 0 0
KRAFT FOODS INC 50075N104 4 100 SH SOLE 100 0 0
KRAMONT REALTY TRUST COM 50075Q107 12 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 6 200 SH DEFINED 200 0 0
KROGER COMPANY COM 501044101 190 9600 SH SOLE 9600 0 0
KROGER COMPANY COM 501044101 491 24700 SH DEFINED 24700 0 0
LA-Z-BOY INC 505336107 52 2100 SH SOLE 2100 0 0
LA-Z-BOY INC 505336107 50 2000 SH DEFINED 2000 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
LEHMAN BROTHERS HOLDINGS INC 524908100 6 100 SH SOLE 100 0 0
LENDING TREE INC 52602Q105 3 250 SH SOLE 250 0 0
LENNAR CORP 526057104 61 1000 SH DEFINED 1000 0 0
LIBERTY MEDIA CORP NEW COM
SERIAL A 530718105 4 416 SH DEFINED 416 0 0
LILLY ELI & CO COM 532457108 57 1012 SH SOLE 1012 0 0
LILLY ELI & CO COM 532457108 898 15937 SH DEFINED 15087 450 400
LINCOLN NATIONAL CORP 534187109 33 800 SH DEFINED 800 0 0
LOCKHEED MARTIN CORP 539830109 458 6600 SH SOLE 6600 0 0
LOCKHEED MARTIN CORP 539830109 0 3 SH DEFINED 3 0 0
LOWES COMPANIES INC 548661107 222 4900 SH SOLE 4900 0 0
LOWES COMPANIES INC 548661107 96 2125 SH DEFINED 2125 0 0
LUBRIZOL CORP COM 549271104 40 1200 SH SOLE 1200 0 0
LUBRIZOL CORP COM 549271104 67 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 35 21324 SH SOLE 20260 1064 0
LUCENT TECHNOLOGY INC 549463107 99 60370 SH DEFINED 54332 1438 4600
MBIA, INC 55262C100 206 3650 SH SOLE 3650 0 0
MBIA, INC 55262C100 28 500 SH DEFINED 500 0 0
MBNA CORPORATION 55262L100 54 1661 SH DEFINED 1661 0 0
MFS CHARTER INCOME TRUST 552727109 12 1500 SH DEFINED 1500 0 0
MFS MULTIMARKET INCOME TRUST 552737108 8 1500 SH SOLE 1500 0 0
MGI PHARMACEUTICALS 552880106 23 3300 SH DEFINED 3300 0 0
MACK-CALI REALTY CORP 554489104 35 1000 SH DEFINED 1000 0 0
SMITH BARNEY MANAGED
MUNICIPALS PORTFOLIO,INC. 561662107 21 2000 DEFINED 2000 0 0
MANUGISTICS GROUP 565011103 1 200 SH DEFINED 200 0 0
MARATHON OIL CORP 565849106 32 1200 SH DEFINED 1200 0 0
MARSHALL & ILSLEY CORP 571834100 496 16050 SH SOLE 16050 0 0
MARSHALL & ILSLEY CORP 571834100 300 9700 SH DEFINED 9700 0 0
MARTHA STEWART LIVING 573083102 4 400 SH DEFINED 400 0 0
MCCLATCHY COMPANY 579489105 197 3075 SH SOLE 3075 0 0
MCCLATCHY COMPANY 579489105 38 600 SH DEFINED 600 0 0
MCCORMICK & CO INC COMMON
NON-VOTING 579780206 553 21480 SH SOLE 21480 0 0
MCCORMICK & CO INC COMMON
NON-VOTING 579780206 505 19625 SH DEFINED 19125 500 0
MCDATA CORPORATION-CLASS A 580031201 0 4 SH SOLE 4 0 0
MCDATA CORPORATION-CLASS A 580031201 0 3 SH DEFINED 3 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
MCDONALDS CORP COM 580135101 42 1500 SH SOLE 1500 0 0
MCDONALDS CORP COM 580135101 201 7100 SH DEFINED 6100 1000 0
MCGRAW HILL COMPANIES INC 580645109 370 6200 SH SOLE 6200 0 0
MCGRAW HILL COMPANIES INC 580645109 128 2150 SH DEFINED 2150 0 0
MCKESSON CORPORATION 58155Q103 4 148 SH DEFINED 148 0 0
MEADWESTVACO CORP 583334107 20 600 SH SOLE 600 0 0
MEADWESTVACO CORP 583334107 167 5000 SH DEFINED 5000 0 0
MEDAREX INC 583916101 2 400 SH DEFINED 400 0 0
MEDTRONIC INC 585055106 29 700 SH SOLE 300 0 400
MEDTRONIC INC 585055106 203 4740 SH DEFINED 4740 0 0
MELLON FINANCIAL CORP COM 58551A108 31 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 16 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 878 17344 SH SOLE 15344 0 2000
MERCK & CO INC COM 589331107 4183 82636 SH DEFINED 80286 2350 0
MERCURY INTERACTIVE CORP 589405109 6 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 52 1300 SH SOLE 1300 0 0
MERRILL LYNCH & CO INC 590188108 105 2600 SH DEFINED 2600 0 0
METLIFE INC 59156R108 0 10 SH SOLE 10 0 0
METLIFE INC 59156R108 86 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 1140 20850 SH SOLE 20850 0 0
MICROSOFT CORP 594918104 1886 34484 SH DEFINED 32534 1250 700
MIDDLESEX WATER CO COM 596680108 78 3000 SH DEFINED 3000 0 0
MILLENNIUM PHARMACEUTICALS 599902103 3 296 SH DEFINED 296 0 0
MIPS TECHNOLOGIES INC 604567206 0 27 SH DEFINED 27 0 0
MIRANT CORP 604675108 35 4795 SH SOLE 4795 0 0
MIRANT CORP 604675108 45 6251 SH DEFINED 6251 0 0
ROBERT MONDAVI 609200100 3 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 0 45 SH DEFINED 45 0 0
MORGAN STANLEY DEAN
WITTER & CO 617446448 68 1600 SH SOLE 1600 0 0
MORGAN STANLEY DEAN
WITTER & CO 617446448 298 6934 SH DEFINED 5834 1100 0
MORGAN STANLEY INCOME SECS INC 61745P874 4 278 SH SOLE 278 0 0
MOTOROLA,INC 620076109 4 300 SH SOLE 300 0 0
MOTOROLA,INC 620076109 278 19106 SH DEFINED 14606 2100 2400
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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
MUNIHOLDING NY INSD FUND INC 625931100 17 1253 SH DEFINED 1253 0 0
MUNIHOLDINGS NEW JERSEY
INS D FUND INC 625936109 10 778 DEFINED 778 0 0
MUNIYIELD INSD FUND INC 62630E107 13 950 DEFINED 950 0 0
NCE PETRO FUND I TR UNIT 62885E406 8 1000 SH SOLE 1000 0 0
NCR CORP NEW 62886E108 5 145 SH DEFINED 145 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 5 200 SH SOLE 200 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 7 300 SH DEFINED 300 0 0
NATIONAL FUEL GAS CO N J COM 636180101 94 4192 SH DEFINED 4192 0 0
NATIONAL WESTMINSTER BANK
PLC PFD 638539700 7 300 SH DEFINED 300 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NETWORK APPLIANCE INC 64120L104 24 1940 SH DEFINED 1940 0 0
NEUROGEN CORP 64124E106 11 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES
CORPORATION 646025106 35 1200 SH SOLE 1200 0 0
NEW JERSEY RESOURCES
CORPORATION 646025106 13 450 SH DEFINED 450 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 8 400 SH DEFINED 400 0 0
NEXTEL COMMUNICATIONS INC CL A 65332V103 1 500 SH DEFINED 500 0 0
NISOURCE INC COM 65473P105 87 4000 SH DEFINED 4000 0 0
NOKIA CORPORATION ADR 654902204 12 850 SH SOLE 850 0 0
NOKIA CORPORATION ADR 654902204 68 4750 SH DEFINED 4150 0 600
NORAM ENERGY CORP SUB DEB
CONV 6% 3/15/12 655419AC3 18 25000 PRN DEFINED 25000 0 0
NORFOLK SOUTHERN CORP COM 655844108 133 5700 SH SOLE 5700 0 0
NORFOLK SOUTHERN CORP COM 655844108 91 3906 SH DEFINED 3546 360 0
NORSK HYDRO ADR 656531605 106 2222 SH DEFINED 2222 0 0
NORTEL NETWORKS CORP NEW 656568102 0 580 SH SOLE 580 0 0
NORTEL NETWORKS CORP NEW 656568102 1 1300 SH DEFINED 300 0 1000
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 45 1275 SH SOLE 1275 0 0
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 17 500 SH DEFINED 500 0 0
NORTHERN TRUST CORP 665859104 255 5800 SH SOLE 5800 0 0
NORTHERN TRUST CORP 665859104 17 400 SH DEFINED 400 0 0
NORTHROP GRUMMAN CORP 666807102 6 50 SH SOLE 50 0 0
NOVARTIS AG ADRS 66987V109 21 500 SH DEFINED 500 0 0
NOVELL INC 670006105 19 6000 SH DEFINED 6000 0 0
OGE ENERGY CO. 670837103 9 400 SH DEFINED 400 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
NUVEEN NJ INVT QUALITY
MUN FUND COM 670971100 96 6358 SOLE 6358 0 0
NUVEEN NJ INVT QUALITY
MUN FUND COM 670971100 106 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL
OPPORTUNITY FUND INC 670984103 49 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED
MUNICIPAL INCOME FUND 670987106 25 1650 DEFINED 1650 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 14 500 SH DEFINED 500 0 0
OMNICOM GROUP INC COM 681919106 18 400 SH DEFINED 400 0 0
ONEOK INC NEW COM 682680103 87 4000 SH DEFINED 4000 0 0
OPENWAVE SYS INC COM 683718100 1 300 SH DEFINED 300 0 0
ORACLE CORPORATION 68389X105 82 8750 SH SOLE 8750 0 0
ORACLE CORPORATION 68389X105 189 19988 SH DEFINED 16388 0 3600
PG&E CORP COM 69331C108 7 400 SH DEFINED 400 0 0
PF CHANGS CHINA BISTRO 69333Y108 31 1000 SH DEFINED 1000 0 0
PIMCO COMMERICAL MORTGAGE SECS TR INC 693388100 28 2000 SH DEFINED 0 2000 0
PNC FINANCIAL SERVICES GROUP COM 693475105 252 4828 SH SOLE 4828 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 112 2160 SH DEFINED 2160 0 0
PPG INDS INC COM 693506107 12 200 SH SOLE 200 0 0
PPL CORP 69351T106 6 200 SH SOLE 200 0 0
PPL CORP 69351T106 33 1000 SH DEFINED 800 200 0
PACCAR INC COM 693718108 36 825 SH DEFINED 825 0 0
PACTIV CORP COM 695257105 2 100 SH SOLE 100 0 0
PALL CORP COM 696429307 14 700 SH DEFINED 700 0 0
PARAGON TECHNOLOGIES INC 69912T108 52 6422 SH DEFINED 6422 0 0
PARK PL ENTMT CORP COM 700690100 10 1000 SH DEFINED 1000 0 0
PAYCHEX INC COM 704326107 113 3640 SH DEFINED 3240 400 0
PAYLESS SHOESOURCE,INC. 704379106 11 200 SH DEFINED 200 0 0
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 6363 103975 SH SOLE 102157 0 1818
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 17905 292575 SH DEFINED 292575 0 0
PENN VIRGINIA CORP 707882106 132 3397 SH DEFINED 3397 0 0
J.C.PENNEY CO.,INC. 708160106 110 5000 SH DEFINED 5000 0 0
PEOPLES ENERGY CORPORATION 711030106 91 2500 SH DEFINED 2500 0 0
PEPSI BOTTLING GROUP 713409100 12 400 SH DEFINED 400 0 0
PEPSICO INC COM 713448108 167 3475 SH SOLE 2875 0 600
PEPSICO INC COM 713448108 348 7221 SH DEFINED 6471 750 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
PEREGRINE PHARMACEUTICALS INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 51 4628 SH DEFINED 4628 0 0
PFIZER INC COM 717081103 1200 34312 SH SOLE 30462 1100 2750
PFIZER INC COM 717081103 2459 70280 SH DEFINED 67180 3100 0
PHARMACIA CORP 71713U102 37 993 SH SOLE 993 0 0
PHARMACIA CORP 71713U102 258 6896 SH DEFINED 6196 0 700
PHILIP MORRIS COMPANIES 718154107 196 4500 SH SOLE 2900 0 1600
PHILIP MORRIS COMPANIES 718154107 434 9950 SH DEFINED 9450 0 500
PHILLIPS PETROLEUM CO 718507106 117 2000 SH SOLE 2000 0 0
PHILLIPS PETROLEUM CO 718507106 114 1941 SH DEFINED 1941 0 0
THE PHOENIX COMPANIES,INC. 71902E109 14 816 SH SOLE 816 0 0
PITNEY BOWES INC COM 724479100 270 6800 SH DEFINED 6800 0 0
PLUM CREEK TIMBER CO INC COM 729251108 38 1249 SH DEFINED 1249 0 0
POLYONE CORP 73179P106 84 7526 SH DEFINED 7526 0 0
POTLATCH CORP COM 737628107 102 3000 SH DEFINED 3000 0 0
POTOMAC ELEC PWR CO COM 737679100 19 903 SH SOLE 903 0 0
POTOMAC ELEC PWR CO COM 737679100 47 2200 SH DEFINED 2200 0 0
PROCTER & GAMBLE CO COM 742718109 732 8200 SH SOLE 7700 0 500
PROCTER & GAMBLE CO COM 742718109 1941 21742 SH DEFINED 20292 450 1000
PROGRESS ENERGY INC COM 743263105 20 400 SH SOLE 400 0 0
PRUDENTIAL FINANCIAL INC 744320102 25 750 SH SOLE 750 0 0
PRUDENTIAL FINANCIAL INC 744320102 3 97 SH DEFINED 97 0 0
PUBLIC SERVICE ENTERPRISE
GROUP, INC. 744573106 434 10040 SH SOLE 10040 0 0
PUBLIC SERVICE ENTERPRISE
GROUP, INC. 744573106 729 16855 SH DEFINED 15355 1500 0
PUGET ENERGY INC NEW 745310102 10 500 SH DEFINED 500 0 0
PUTNAM HIGH YIELD MUNICIPAL
TRUST 746781103 38 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 7 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 38 1000 SH DEFINED 1000 0 0
QUALCOMM INC 747525103 28 1050 SH SOLE 1050 0 0
QUALCOMM INC 747525103 9 350 SH DEFINED 350 0 0
QUINTILES TRANSNATIONAL CORP COM 748767100 2 179 SH DEFINED 179 0 0
QUIXOTE CORP 749056107 16 1000 SH DEFINED 1000 0 0
QWEST COMMUNICATIONS INT'L 749121109 5 1810 SH SOLE 1119 691 0
QWEST COMMUNICATIONS INT'L 749121109 27 10005 SH DEFINED 9061 235 709
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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
R G S ENERGY GROUP INC COM 74956K104 121 3100 SH DEFINED 3100 0 0
RF MICRO-DEVICES 749941100 7 1000 SH DEFINED 1000 0 0
RACING CHAMPIONS ERTL CO 750069106 3 200 SH DEFINED 200 0 0
RAMTRON INTL CORP COM NEW 751907304 0 282 SH DEFINED 282 0 0
RAYTHEON CO 755111507 40 1000 SH SOLE 1000 0 0
RAYTHEON CO 755111507 225 5524 SH DEFINED 5524 0 0
READERS DIGEST ASSN. CLASS A
NON VOTING 755267101 18 1000 SH DEFINED 1000 0 0
RED HAT INC COM 756577102 0 30 SH DEFINED 30 0 0
RELIANT RES INC 75952B105 1 180 SH DEFINED 180 0 0
RELIANT ENERGY INC COM 75952J108 35 2100 SH DEFINED 2100 0 0
REUTERS GROUP PLC SPONSORED ADR 76132M102 27 866 SH DEFINED 866 0 0
ROCKWELL INTL CORP NEW COM 773903109 40 2014 SH DEFINED 2014 0 0
ROCKWELL COLLINS INC 774341101 55 2014 SH DEFINED 2014 0 0
ROGERS COMMUNICATION INC. CL.B
NON VOTING 775109200 76 8400 SH SOLE 8400 0 0
ROYAL BANK OF SCOTLAND GROUP PLC
SER D 780097606 8 300 SH DEFINED 300 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 127 2300 SH SOLE 2300 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 911 16492 SH DEFINED 16492 0 0
RUBY TUESDAY INC. 781182100 12 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 682 22375 SH SOLE 19375 3000 0
SBC COMMUNICATIONS INC 78387G103 2840 93127 SH DEFINED 86252 3412 3463
STANDARD & POORS DEPOSITORY
RECEIPTS 78462F103 25 260 SH DEFINED 260 0 0
SAFEWAY INC 786514208 5 200 SH DEFINED 200 0 0
THE ST. PAUL COMPANIES, INC COM 792860108 3 100 SH DEFINED 100 0 0
THE SALOMON BROTHERS FUND INC 795477108 12 1175 SH DEFINED 1175 0 0
SANCHEZ COMPUTER ASSOCIATES 799702105 0 200 SH DEFINED 200 0 0
SANMINA-SCI CORP 800907107 3 500 SH DEFINED 500 0 0
SANGSTAT MEDICAL CORP 801003104 58 2550 SH SOLE 2550 0 0
SARA LEE CORP COM 803111103 255 12400 SH SOLE 12400 0 0
SARA LEE CORP COM 803111103 14 725 SH DEFINED 725 0 0
SCANA CORP NEW 80589M102 15 505 SH SOLE 505 0 0
SCANA CORP NEW 80589M102 111 3600 SH DEFINED 3600 0 0
SCHERING PLOUGH CORP COM 806605101 23 970 SH SOLE 970 0 0
SCHERING PLOUGH CORP COM 806605101 303 12350 SH DEFINED 7800 4550 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
SCHLUMBERGER LTD COM 806857108 532 11450 SH SOLE 10550 0 900
SCHLUMBERGER LTD COM 806857108 360 7756 SH DEFINED 7656 100 0
SCHOLASTIC CORPORATION 807066105 176 4650 SH SOLE 4650 0 0
SCHOLASTIC CORPORATION 807066105 15 400 SH DEFINED 400 0 0
SCHULMAN A INC 808194104 10 500 SH DEFINED 500 0 0
SCIENTIFIC-ATLANTA INC 808655104 24 1500 SH DEFINED 0 0 1500
SEA CONTAINERS LTD CLASS A COMMON 811371707 1 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 68 1710 SH DEFINED 1710 0 0
SEALED AIR CORP NEW PFD CONV
SER A $2 81211K209 23 570 SH SOLE 570 0 0
SEALED AIR CORP NEW PFD CONV
SER A $2 81211K209 74 1820 SH DEFINED 1820 0 0
SECTOR SPDR TR TECHNOLOGY 81369Y803 22 1400 SH SOLE 1400 0 0
SEMPRA ENERGY COM 816851109 35 1600 SH DEFINED 1600 0 0
SENIOR HSG PPTYS TR COM SH BEN INT 81721M109 31 2000 SH DEFINED 2000 0 0
SEPRACOR INC 817315104 6 640 SH SOLE 640 0 0
SHAW GROUP INC 820280105 79 2600 SH SOLE 2400 0 200
SHAW GROUP INC 820280105 342 11150 SH DEFINED 11050 0 100
SICOR INC COM 825846108 18 1000 SH DEFINED 1000 0 0
SIEBEL SYSTEMS 826170102 1 100 SH SOLE 100 0 0
SIEBEL SYSTEMS 826170102 1 100 SH DEFINED 100 0 0
SIEMENS AG SPONSORED ADR 826197501 25 425 SH SOLE 425 0 0
SIGMA-ALDRICH CORP 826552101 5 100 SH SOLE 100 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SIMTH INTERNATIONAL INC COM 832110100 17 250 SH DEFINED 250 0 0
SOLECTRON CORP 834182107 9 1500 SH SOLE 1500 0 0
SOLECTRON CORP 834182107 1 250 SH DEFINED 250 0 0
SOLUTIA INC COM 834376105 51 7300 SH SOLE 7300 0 0
SOMERA COMMUNICATIONS 834458101 7 1000 SH DEFINED 1000 0 0
SONOCO PRODUCTS 835495102 21 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH NEW EA REPR 1
JAPANESE 835699307 31 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES, INC 838518108 5 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 56 2078 SH SOLE 2078 0 0
SOUTHERN CO COM 842587107 319 11653 SH DEFINED 11575 78 0
SPRINT CORPORATION 852061100 66 6276 SH DEFINED 6276 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
SPRINT CORP PCS SER 1 852061506 4 930 SH SOLE 930 0 0
SPRINT CORP PCS SER 1 852061506 13 3003 SH DEFINED 3003 0 0
STARBUCKS CORPORATION 855244109 155 6275 SH SOLE 6275 0 0
STARBUCKS CORPORATION 855244109 72 2900 SH DEFINED 2900 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 16 501 SH SOLE 501 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 28 857 SH DEFINED 857 0 0
STATE STREET CORP COM 857477103 107 2400 SH DEFINED 2400 0 0
STRATTEC SECURITY CORPORATION 863111100 1 20 SH SOLE 20 0 0
STURM RUGER & CO. 864159108 28 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 78 3000 SH DEFINED 0 3000 0
SUN MICROSYSTEMS INC COM 866810104 409 81950 SH SOLE 81950 0 0
SUN MICROSYSTEMS INC COM 866810104 458 91781 SH DEFINED 90181 0 1600
SUNOCO INC 86764P109 4 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 118 3328 SH DEFINED 3209 119 0
SUNTRUST BANKS INC 867914103 20 300 SH DEFINED 300 0 0
SUPERGEN INC COM 868059106 116 16000 SH DEFINED 16000 0 0
SYNAPTIC PHARMACEUTICAL CORP 87156R109 53 9160 SH SOLE 9160 0 0
TCW CONV SEC FUND INC 872340104 9 1500 SH DEFINED 1500 0 0
TECO ENERGY INC COM 872375100 150 6100 SH SOLE 6100 0 0
TECO ENERGY INC COM 872375100 70 2850 SH DEFINED 2650 0 200
TEPPCO PARTNERS LP 872384102 64 2000 SH DEFINED 0 2000 0
TJX COMPANIES 872540109 39 2000 SH DEFINED 2000 0 0
TRW INC 872649108 56 1000 SH DEFINED 1000 0 0
TRW, INC. $4.50 CONVERTIBLE PREFERRED
SERIES 3 872649603 8 20 SH DEFINED 20 0 0
TXU CORP 873168108 126 2450 SH DEFINED 2300 150 0
TARGET CORPORATION 87612E106 104 2750 SH SOLE 2750 0 0
TARGET CORPORATION 87612E106 720 18923 SH DEFINED 17473 1450 0
TEKTRONIX INC 879131100 93 5000 SH SOLE 5000 0 0
TELECOM CORP OF NEW ZEALAND LT SPON ADR 879278208 7 400 SH DEFINED 400 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 12 400 SH DEFINED 400 0 0
TENET HEALTHCARE CORPORATION 88033G100 22 321 SH DEFINED 321 0 0
TERAYON COMMUNICATION 880775101 0 200 SH DEFINED 200 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 554 8300 SH SOLE 8300 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 604 9050 SH DEFINED 9050 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 INSTRUMENTS 882508104 587 24797 SH SOLE 24397 0 400
TEXAS INSTRUMENTS 882508104 1139 48095 SH DEFINED 44245 2850 1000
TEXTRON INC 883203101 32 700 SH DEFINED 550 150 0
THERMO ELECTRON CORP COM 883556102 37 2272 SH DEFINED 2272 0 0
THOMAS & BETTS CORPORATION 884315102 7 400 SH DEFINED 400 0 0
TIMKEN CO 887389104 66 3000 SH DEFINED 3000 0 0
TORCHMARK CORP. 891027104 91 2400 SH DEFINED 2400 0 0
TOUCH AMERICA HOLDINGS INC. 891539108 5 2000 SH DEFINED 2000 0 0
TOYS "R" US INC 892335100 158 9050 SH SOLE 9050 0 0
TRANSCANADA PIPELINES LTD 893526103 2 152 SH SOLE 152 0 0
TRI-CONTINENTAL CORPORATION 895436103 26 1643 SH SOLE 1643 0 0
TRI-CONTINENTAL CORPORATION 895436103 11 739 SH DEFINED 739 0 0
TRIBUNE CO NEW COM 896047107 56 1297 SH DEFINED 1297 0 0
TUPPERWARE CORP COM 899896104 1 66 SH DEFINED 66 0 0
TYCO INTL LTD NEW COM 902124106 54 4000 SH SOLE 4000 0 0
TYCO INTL LTD NEW COM 902124106 56 4194 SH DEFINED 4194 0 0
UGI CORPORATION 902681105 274 8600 SH SOLE 8600 0 0
UGI CORPORATION 902681105 287 9000 SH DEFINED 9000 0 0
UST INC COM 902911106 40 1200 SH SOLE 1200 0 0
U S ENERGY SYSTEMS INC 902951102 0 1 SH DEFINED 1 0 0
US BANCORP DEL COM 902973304 5 225 SH SOLE 225 0 0
US BANCORP DEL COM 902973304 2 95 SH DEFINED 95 0 0
UNION PACIFIC CORP COM 907818108 173 2750 SH SOLE 2750 0 0
UNION PACIFIC CORP COM 907818108 278 4408 SH DEFINED 1950 0 2458
UNITED NATIONAL BANCORP NJ 910909100 142 6203 SH DEFINED 6203 0 0
UNITED PARCEL SERVICE 911312106 186 3015 SH DEFINED 3015 0 0
UNITED TECHNOLOGIES CORP COM 913017109 433 6385 SH SOLE 6385 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1259 18546 SH DEFINED 18146 300 100
UNITEDHEALTH GROUP INC 91324P102 11 121 SH DEFINED 121 0 0
UNOCAL CORP COM 915289102 24 670 SH DEFINED 420 250 0
UNUMPROVIDENT CORP COM 91529Y106 3 125 SH DEFINED 125 0 0
VALLEY NATIONAL BANCORP. 919794107 3 125 SH SOLE 125 0 0
VALLEY NATIONAL BANCORP. 919794107 101 3659 SH DEFINED 3659 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
VERITAS DGC INC 92343P107 6 500 SH SOLE 500 0 0
VERIZON CORPORATION 92343V104 747 18613 SH SOLE 17149 1414 50
VERIZON CORPORATION 92343V104 3526 87826 SH DEFINED 81781 1425 4620
VERITAS SOFTWARE CORP 923436109 18 933 SH SOLE 933 0 0
VERITAS SOFTWARE CORP 923436109 87 4411 SH DEFINED 4411 0 0
VERMONT TEDDY BEAR INC 92427X109 0 50 SH SOLE 50 0 0
VIACOM INC COM CLASS A 925524100 44 1000 SH DEFINED 1000 0 0
VIACOM INC. CLASS B COMMON 925524308 71 1607 SH DEFINED 1607 0 0
VIASYS HEALTHCARE INC 92553Q209 5 331 SH DEFINED 331 0 0
VIISAGE TECHNOLOGY 92675K106 2 500 SH SOLE 500 0 0
VISTA BANCORP 92830R103 270 10030 SH DEFINED 10030 0 0
VISTEON CORP 92839U107 4 330 SH DEFINED 330 0 0
VODAFONE GROUP PLC 92857W100 107 7840 SH SOLE 6840 1000 0
VODAFONE GROUP PLC 92857W100 407 29839 SH DEFINED 27706 133 2000
VORNADO REALTY TRUST 929042109 46 1000 SH DEFINED 1000 0 0
VULCAN MATERIALS COMPANY COM 929160109 52 1200 SH DEFINED 1200 0 0
WGL HOLDINGS INC 92924F106 139 5400 SH DEFINED 4400 0 1000
WACHOVIA CORP 2ND NEW COM 929903102 2917 76410 SH SOLE 76410 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1593 41747 SH DEFINED 41423 324 0
WAL-MART STORES INC 931142103 385 7000 SH SOLE 7000 0 0
WAL-MART STORES INC 931142103 759 13815 SH DEFINED 13815 0 0
WALGREEN CO 931422109 15 400 SH SOLE 400 0 0
WALGREEN CO 931422109 15 400 SH DEFINED 400 0 0
WASHINGTON MUTUAL INC 939322103 100 2700 SH DEFINED 2700 0 0
WASHINGTON TRUST BANCORP INC 940610108 74 3163 SH DEFINED 3163 0 0
WASTE MANAGEMENT INC 94106L109 3 145 SH DEFINED 145 0 0
WELLS FARGO & CO NEW COM 949746101 122 2450 SH SOLE 2450 0 0
WELLS FARGO & CO NEW COM 949746101 449 8985 SH DEFINED 8275 0 710
WEYERHAEUSER CO COM 962166104 23 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 63 1000 SH DEFINED 1000 0 0
WHIRLPOOL CORP COM 963320106 19 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 19 400 SH SOLE 400 0 0
WHOLE FOOD MARKET INC 966837106 14 300 SH DEFINED 300 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
------------------------------ -------------- --------- -------- -------- --- ---- ------- -------- -------- ------- -------
WILLIAMS SONOMA INC COM 969904101 147 4800 SH DEFINED 4800 0 0
WIND RIVER SYSTEMS 973149107 12 2550 SH SOLE 2550 0 0
WIND RIVER SYSTEMS 973149107 0 100 SH DEFINED 100 0 0
WISCONSIN ENERGY CORP COM 976657106 103 4089 SH DEFINED 4089 0 0
WORLD WRESTLING
ENTERTAINMENT INC. 98156Q108 0 50 SH DEFINED 50 0 0
WORLDCOM INC GA NEW 98157D106 0 1275 SH SOLE 1275 0 0
WORLDCOM INC GA NEW 98157D106 0 13723 SH DEFINED 11523 150 2050
WORLDCOM INC GA NEW MCI GROUP COM 98157D304 0 15 SH SOLE 15 0 0
WORLDCOM INC GA NEW MCI GROUP COM 98157D304 0 100 SH DEFINED 100 0 0
WRIGLEY WM JR CO 982526105 11 200 SH SOLE 200 0 0
WYETH INC. 983024100 1048 20480 SH SOLE 20480 0 0
WYETH INC. 983024100 2205 43085 SH DEFINED 42885 0 200
XM SATELLITE RADIO
HOLDINGS INC 983759101 1 150 SH DEFINED 150 0 0
XCEL ENERGY INC 98389B100 80 4782 SH DEFINED 4782 0 0
XILINX INC 983919101 71 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 21 3100 SH DEFINED 2200 0 900
XYBERNAUT CORP 984149104 0 1000 SH SOLE 1000 0 0
ZIMMER HOLDINGS GROUP 98956P102 635 17832 SH SOLE 17282 0 550
ZIMMER HOLDINGS GROUP 98956P102 1240 34788 SH DEFINED 34238 300 250
ZORAN CORP 98975F101 59 2600 SH SOLE 2600 0 0
ZWEIG TOTAL RETURN FD INC 989837109 11 1812 SH DEFINED 1812 0 0
GRAND TOTALS 214164 6100164 5802348 140772 157044