UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/28/01
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: VERNON TORGERSON
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 11/13/01
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: 702
FORM 13F INFORMATION TABLE VALUE TOTAL: $1,751,733
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
H KEMPNER CERT OF BENE INTERES COMMON STOCK 999999998 18230 13594 SH DEFINED 13393 0 201
H KEMPNER CERT OF BENE INTERES COMMON STOCK 999999998 4 3 SH OTHER 3 0 0
A T & T CORP COM * COMMON STOCK 001957109 4171 216119 SH DEFINED 216019 0 100
A T & T CORP COM * COMMON STOCK 001957109 386 19996 SH OTHER 15538 4458 0
ABBOTT LABORATORIES COM * COMMON STOCK 002824100 9385 181006 SH DEFINED 177606 0 3400
ABBOTT LABORATORIES COM * COMMON STOCK 002824100 2536 48916 SH OTHER 21716 20800 6400
ABERCROMBIE & FITCH CO CLASS A COMMON STOCK 002896207 661 37580 SH DEFINED 37580 0 0
ADAPTEC INC COM COMMON STOCK 00651F108 802 102000 SH DEFINED 102000 0 0
ADAPTEC INC COM COMMON STOCK 00651F108 1 150 SH OTHER 100 0 50
AES CORP COM* COMMON STOCK 00130H105 601 46880 SH DEFINED 45630 0 1250
AES CORP COM* COMMON STOCK 00130H105 10 800 SH OTHER 550 0 250
AFLAC INC COM * COMMON STOCK 001055102 1860 68871 SH DEFINED 68871 0 0
AFLAC INC COM * COMMON STOCK 001055102 281 10404 SH OTHER 10404 0 0
AGILENT TECHNOLOGIES INC COM* COMMON STOCK 00846U101 244 12484 SH DEFINED 12137 0 347
AGILENT TECHNOLOGIES INC COM* COMMON STOCK 00846U101 79 4048 SH OTHER 4048 0 0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK 009158106 793 20565 SH DEFINED 20565 0 0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK 009158106 513 13300 SH OTHER 13300 0 0
ALBERTSON'S INC COM * COMMON STOCK 013104104 325 10202 SH DEFINED 10202 0 0
ALCOA INC COM* COMMON STOCK 013817101 10848 349835 SH DEFINED 341155 0 8680
ALCOA INC COM* COMMON STOCK 013817101 702 22639 SH OTHER 14349 0 8290
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK 015271109 1053 26700 SH DEFINED 26700 0 0
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 316 8600 SH DEFINED 8600 0 0
ALLEGHENY ENERGY INC COM COMMON STOCK 017361106 37 1000 SH OTHER 0 1000 0
ALLETE INC COM COMMON STOCK 018522102 936 36500 SH DEFINED 36500 0 0
ALLIED WASTE INDS INC COM NEW COMMON STOCK 019589308 625 49000 SH DEFINED 49000 0 0
ALLSTATE CORP COM COMMON STOCK 020002101 603 16153 SH DEFINED 15753 0 400
ALLSTATE CORP COM COMMON STOCK 020002101 259 6946 SH OTHER 2946 0 4000
ALLTEL CORP COM * COMMON STOCK 020039103 60436 1042905 SH DEFINED 1034247 0 8658
ALLTEL CORP COM * COMMON STOCK 020039103 3010 51936 SH OTHER 51157 779 0
ALTERA CORP COM * COMMON STOCK 021441100 626 38213 SH DEFINED 38213 0 0
ALTERA CORP COM * COMMON STOCK 021441100 63 3827 SH OTHER 3827 0 0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK 025537101 1080 24988 SH DEFINED 24988 0 0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK 025537101 178 4120 SH OTHER 4120 0 0
AMERICAN EXPRESS CO COM * COMMON STOCK 025816109 10132 348662 SH DEFINED 335987 0 12675
AMERICAN EXPRESS CO COM * COMMON STOCK 025816109 910 31302 SH OTHER 30902 0 400
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK 026609107 9430 161882 SH DEFINED 160812 0 1070
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK 026609107 1995 34248 SH OTHER 23738 9600 910
AMERICAN INT'L GROUP INC COM * COMMON STOCK 026874107 20495 262753 SH DEFINED 257471 0 5282
AMERICAN INT'L GROUP INC COM * COMMON STOCK 026874107 2107 27018 SH OTHER 22341 2882 1795
AMERICAN ITALIAN PASTA CO CLAS COMMON STOCK 027070101 1462 33800 SH DEFINED 33800 0 0
AMERICAN NATIONAL INSURANCE CO COMMON STOCK 028591105 344 4252 SH DEFINED 25 0 4227
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 206 17630 SH DEFINED 17630 0 0
AMERICAN POWER CONVERSION CORP COMMON STOCK 029066107 16 1370 SH OTHER 1370 0 0
AMGEN INC COM * COMMON STOCK 031162100 1722 29296 SH DEFINED 29296 0 0
AMGEN INC COM * COMMON STOCK 031162100 367 6246 SH OTHER 6246 0 0
AMSOUTH BANCORPORATION INC COM COMMON STOCK 032165102 158 8756 SH DEFINED 0 0 8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK 032165102 89 4920 SH OTHER 4920 0 0
ANADARKO PETROLEUM CORP COM COMMON STOCK 032511107 9967 207300 SH DEFINED 207300 0 0
ANADARKO PETROLEUM CORP COM COMMON STOCK 032511107 146 3027 SH OTHER 2927 0 100
ANHEUSER BUSCH COS INC COM * COMMON STOCK 035229103 8413 200886 SH DEFINED 200886 0 0
ANHEUSER BUSCH COS INC COM * COMMON STOCK 035229103 385 9200 SH OTHER 9200 0 0
ANNTAYLOR STORES CORP COM COMMON STOCK 036115103 747 34100 SH DEFINED 34100 0 0
AOL TIME WARNER INC COM* COMMON STOCK 00184A105 139150 4203937 SH DEFINED 4193937 0 10000
AOL TIME WARNER INC COM* COMMON STOCK 00184A105 1224 36970 SH OTHER 21920 14400 650
APPLIED MATERIALS INC COM * COMMON STOCK 038222105 1064 37417 SH DEFINED 37393 0 24
APPLIED MATERIALS INC COM * COMMON STOCK 038222105 77 2712 SH OTHER 1963 649 100
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK 039581103 3048 116765 SH DEFINED 114875 0 1890
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK 039581103 658 25194 SH OTHER 25194 0 0
ARMOR HOLDINGS INC COM COMMON STOCK 042260109 469 23700 SH DEFINED 23700 0 0
ASHLAND INC COM COMMON STOCK 044204105 213 5530 SH DEFINED 5530 0 0
AT & T WIRELESS SERVICES INC C COMMON STOCK 00209A106 2221 148660 SH DEFINED 148057 0 603
AT & T WIRELESS SERVICES INC C COMMON STOCK 00209A106 121 8097 SH OTHER 6665 1432 0
ATMOS ENERGY CORP COM COMMON STOCK 049560105 3388 156870 SH DEFINED 156870 0 0
ATMOS ENERGY CORP COM COMMON STOCK 049560105 70 3233 SH OTHER 3233 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 2486 52842 SH DEFINED 52842 0 0
AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 123 2614 SH OTHER 2614 0 0
AVAYA INC COM COMMON STOCK 053499109 813 82163 SH DEFINED 81841 0 322
AVAYA INC COM COMMON STOCK 053499109 4 403 SH OTHER 85 318 0
AVERY DENNISON CORP COM * COMMON STOCK 053611109 10373 219247 SH DEFINED 218162 0 1085
AVERY DENNISON CORP COM * COMMON STOCK 053611109 1314 27784 SH OTHER 24794 70 2920
AVNET INC COM COMMON STOCK 053807103 4891 268899 SH DEFINED 268899 0 0
AVNET INC COM COMMON STOCK 053807103 61 3326 SH OTHER 3326 0 0
AVOCENT CORPORATION COMMON STOCK 053893103 659 44300 SH DEFINED 44300 0 0
AVX CORP COM COMMON STOCK 002444107 6118 376055 SH DEFINED 376055 0 0
AVX CORP COM COMMON STOCK 002444107 102 6272 SH OTHER 6272 0 0
BAKER HUGHES INC COM * COMMON STOCK 057224107 1825 63041 SH DEFINED 62841 0 200
BAKER HUGHES INC COM * COMMON STOCK 057224107 363 12538 SH OTHER 8538 180 3820
BANK OF AMERICA CORP COM * COMMON STOCK 060505104 4693 80355 SH DEFINED 78555 0 1800
BANK OF AMERICA CORP COM * COMMON STOCK 060505104 40 678 SH OTHER 678 0 0
BANK ONE CORP COM* COMMON STOCK 06423A103 718 22822 SH DEFINED 11171 0 11651
BANK ONE CORP COM* COMMON STOCK 06423A103 31 1000 SH OTHER 1000 0 0
BANKNORTH GROUP INC COMMON STOCK 06646R107 4147 185795 SH DEFINED 185795 0 0
BANKNORTH GROUP INC COMMON STOCK 06646R107 81 3646 SH OTHER 3646 0 0
BAXTER INTERNATIONAL INC COM * COMMON STOCK 071813109 15311 278136 SH DEFINED 272369 0 5767
BAXTER INTERNATIONAL INC COM * COMMON STOCK 071813109 1668 30292 SH OTHER 22582 160 7550
BECTON DICKINSON & CO COM * COMMON STOCK 075887109 1149 31050 SH DEFINED 31050 0 0
BELLSOUTH CORP COM * COMMON STOCK 079860102 4529 108992 SH DEFINED 107728 0 1264
BELLSOUTH CORP COM * COMMON STOCK 079860102 835 20100 SH OTHER 19372 728 0
BEMIS INC COM* COMMON STOCK 081437105 239 6000 SH OTHER 0 6000 0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK 084670207 184 79 SH DEFINED 78 0 1
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK 084670207 86 37 SH OTHER 37 0 0
BEST BUY COMPANY INC COM* COMMON STOCK 086516101 1554 34187 SH DEFINED 33869 0 318
BEST BUY COMPANY INC COM* COMMON STOCK 086516101 827 18194 SH OTHER 14574 0 3620
BIOGEN INC COM* COMMON STOCK 090597105 6469 116383 SH DEFINED 109633 0 6750
BIOGEN INC COM* COMMON STOCK 090597105 607 10930 SH OTHER 10930 0 0
BIOMET INC COM COMMON STOCK 090613100 581 19870 SH DEFINED 19870 0 0
BLOCK H & R INC COM COMMON STOCK 093671105 1446 37490 SH DEFINED 37490 0 0
BLYTH INC. COM COMMON STOCK 09643P108 5084 255617 SH DEFINED 255617 0 0
BLYTH INC. COM COMMON STOCK 09643P108 75 3758 SH OTHER 3758 0 0
BMC SOFTWARE INC COM* COMMON STOCK 055921100 982 77325 SH DEFINED 77325 0 0
BMC SOFTWARE INC COM* COMMON STOCK 055921100 38 3000 SH OTHER 2600 0 400
BOEING CO COM * COMMON STOCK 097023105 1081 32273 SH DEFINED 31773 0 500
BOEING CO COM * COMMON STOCK 097023105 511 15241 SH OTHER 15241 0 0
BOISE CASCADE CORP COM COMMON STOCK 097383103 654 22158 SH DEFINED 22158 0 0
BRINKER INTERNATIONAL INC COM* COMMON STOCK 109641100 503 21295 SH DEFINED 21295 0 0
BRINKER INTERNATIONAL INC COM* COMMON STOCK 109641100 64 2708 SH OTHER 2708 0 0
BRISTOL-MYERS SQUIBB CO COM * COMMON STOCK 110122108 5856 105408 SH DEFINED 103708 0 1700
BRISTOL-MYERS SQUIBB CO COM * COMMON STOCK 110122108 857 15425 SH OTHER 15425 0 0
BROWN TOM INC COM NEW COMMON STOCK 115660201 790 37800 SH DEFINED 37800 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 338 12627 SH DEFINED 12627 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 409 15278 SH OTHER 13278 2000 0
BURLINGTON RESOURCES INC COM COMMON STOCK 122014103 3128 91448 SH DEFINED 91448 0 0
BURLINGTON RESOURCES INC COM COMMON STOCK 122014103 174 5099 SH OTHER 2908 871 1320
CALLAWAY GOLF CO COM COMMON STOCK 131193104 289 22600 SH DEFINED 22600 0 0
CAPITAL AUTOMOTIVE REIT COMMON STOCK 139733109 7702 437126 SH DEFINED 437126 0 0
CAPITAL AUTOMOTIVE REIT COMMON STOCK 139733109 64 3634 SH OTHER 3634 0 0
CARDINAL HEALTH INC COM* COMMON STOCK 14149Y108 1133 15325 SH DEFINED 15175 0 150
CARNIVAL CORPORATION COM* COMMON STOCK 143658102 1021 46383 SH DEFINED 45883 0 500
CARNIVAL CORPORATION COM* COMMON STOCK 143658102 630 28624 SH OTHER 28624 0 0
CATERPILLAR INC COM * COMMON STOCK 149123101 161 3591 SH DEFINED 2816 0 775
CATERPILLAR INC COM * COMMON STOCK 149123101 114 2552 SH OTHER 600 1852 100
CEC ENTERTAINMENT INC COM COMMON STOCK 125137109 1003 29400 SH DEFINED 29400 0 0
CEPHALON INC COM COMMON STOCK 156708109 315 6324 SH DEFINED 6324 0 0
CHEVRON CORP COM * COMMON STOCK 166751107 12820 151269 SH DEFINED 147475 0 3794
CHEVRON CORP COM * COMMON STOCK 166751107 1806 21313 SH OTHER 14082 4846 2385
CHICAGO BRIDGE & IRON CO NY SH COMMON STOCK 167250109 822 41200 SH DEFINED 41200 0 0
CHUBB CORP COM* COMMON STOCK 171232101 12375 173301 SH DEFINED 168091 0 5210
CHUBB CORP COM* COMMON STOCK 171232101 960 13441 SH OTHER 13441 0 0
CIENA CORP COM* COMMON STOCK 171779101 582 56514 SH DEFINED 56514 0 0
CIENA CORP COM* COMMON STOCK 171779101 21 2000 SH OTHER 2000 0 0
CIGNA CORP COM COMMON STOCK 125509109 7410 89326 SH DEFINED 89326 0 0
CIGNA CORP COM COMMON STOCK 125509109 77 932 SH OTHER 932 0 0
CIRCUIT CITY GROUP COMMON STOCK 172737108 1458 121500 SH DEFINED 121500 0 0
CISCO SYSTEM INC COM * COMMON STOCK 17275R102 1832 150451 SH DEFINED 147651 0 2800
CISCO SYSTEM INC COM * COMMON STOCK 17275R102 254 20875 SH OTHER 17915 2020 940
CITIGROUP INC COM * COMMON STOCK 172967101 23126 571004 SH DEFINED 568153 0 2851
CITIGROUP INC COM * COMMON STOCK 172967101 3634 89719 SH OTHER 77296 6160 6263
CITY NATIONAL CORP COM COMMON STOCK 178566105 1152 26700 SH DEFINED 26700 0 0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 2847 71625 SH DEFINED 70561 0 1064
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 5878 147868 SH OTHER 147868 0 0
CLOROX CO COM * COMMON STOCK 189054109 1194 32271 SH DEFINED 31471 0 800
CLOROX CO COM * COMMON STOCK 189054109 883 23868 SH OTHER 18268 800 4800
COCA COLA CO COM * COMMON STOCK 191216100 10280 219421 SH DEFINED 217519 0 1902
COCA COLA CO COM * COMMON STOCK 191216100 1565 33402 SH OTHER 29402 0 4000
COLGATE-PALMOLIVE CO COM * COMMON STOCK 194162103 4885 83862 SH DEFINED 83262 0 600
COLGATE-PALMOLIVE CO COM * COMMON STOCK 194162103 379 6500 SH OTHER 6500 0 0
COMMERCIAL FEDERAL CORP COM COMMON STOCK 201647104 2021 83291 SH DEFINED 83291 0 0
COMMERCIAL FEDERAL CORP COM COMMON STOCK 201647104 25 1030 SH OTHER 1030 0 0
COMPAQ COMPUTER CORP COM * COMMON STOCK 204493100 3198 384815 SH DEFINED 382671 0 2144
COMPAQ COMPUTER CORP COM * COMMON STOCK 204493100 529 63690 SH OTHER 62790 0 900
COMPUTER ASSOC INTL INC COM* COMMON STOCK 204912109 622 24157 SH DEFINED 24157 0 0
COMPUTER ASSOC INTL INC COM* COMMON STOCK 204912109 6 250 SH OTHER 250 0 0
COMPUTER SCIENCES CORP COM * COMMON STOCK 205363104 1214 36595 SH DEFINED 36595 0 0
COMPUTER SCIENCES CORP COM * COMMON STOCK 205363104 454 13689 SH OTHER 13689 0 0
COMVERSE TECHNOLOGY INC COM* COMMON STOCK 205862402 5496 268360 SH DEFINED 260585 0 7775
COMVERSE TECHNOLOGY INC COM* COMMON STOCK 205862402 338 16485 SH OTHER 16485 0 0
CONSECO INC COM COMMON STOCK 208464107 692 95367 SH DEFINED 95197 0 170
CONSECO INC COM COMMON STOCK 208464107 28 3900 SH OTHER 3900 0 0
CONSOL ENERGY INC COM COMMON STOCK 20854P109 2565 119684 SH DEFINED 119684 0 0
CONSOL ENERGY INC COM COMMON STOCK 20854P109 38 1773 SH OTHER 1773 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104 376 9242 SH DEFINED 9242 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104 106 2607 SH OTHER 2607 0 0
COOPER INDUSTRIES INC COM COMMON STOCK 216669101 253 6100 SH DEFINED 6100 0 0
CORNING INC COM* COMMON STOCK 219350105 841 95379 SH DEFINED 95379 0 0
CORNING INC COM* COMMON STOCK 219350105 41 4668 SH OTHER 4668 0 0
COST PLUS INC CALIF COM COMMON STOCK 221485105 1156 62970 SH DEFINED 62970 0 0
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK 22160K105 10977 308689 SH DEFINED 298189 0 10500
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK 22160K105 888 24964 SH OTHER 24964 0 0
COX COMMUNICATIONS INC CLASS A COMMON STOCK 224044107 410 9811 SH DEFINED 9627 0 184
CRESCENT REAL EST EQTY TRUST COMMON STOCK 225756105 659 30710 SH DEFINED 30710 0 0
CRESCENT REAL EST EQTY TRUST COMMON STOCK 225756105 72 3368 SH OTHER 168 1000 2200
CSX CORP COM COMMON STOCK 126408103 393 12480 SH DEFINED 12480 0 0
CSX CORP COM COMMON STOCK 126408103 38 1200 SH OTHER 1200 0 0
CULLEN/FROST BANKERS INC COM COMMON STOCK 229899109 10978 407329 SH DEFINED 372217 2529 32583
CULLEN/FROST BANKERS INC COM COMMON STOCK 229899109 1195 44350 SH OTHER 39262 5088 0
CVS CORP COM * COMMON STOCK 126650100 9776 294454 SH DEFINED 285754 0 8700
CVS CORP COM * COMMON STOCK 126650100 928 27965 SH OTHER 27965 0 0
DEERE & CO COM * COMMON STOCK 244199105 1454 38648 SH DEFINED 38648 0 0
DEERE & CO COM * COMMON STOCK 244199105 414 10998 SH OTHER 10998 0 0
DELL COMPUTER CORP COM* COMMON STOCK 247025109 7976 430434 SH DEFINED 415125 0 15309
DELL COMPUTER CORP COM* COMMON STOCK 247025109 937 50575 SH OTHER 36600 0 13975
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 3257 277149 SH DEFINED 277080 0 69
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK 247126105 60 5126 SH OTHER 5126 0 0
DENTSPLY INTERNATIONAL INC NEW COMMON STOCK 249030107 446 9698 SH DEFINED 9698 0 0
DIEBOLD INC COM * COMMON STOCK 253651103 359 9421 SH DEFINED 9421 0 0
DISNEY (WALT) COMPANY HOLDING COMMON STOCK 254687106 1984 106546 SH DEFINED 105946 0 600
DISNEY (WALT) COMPANY HOLDING COMMON STOCK 254687106 613 32936 SH OTHER 21442 6294 5200
DOVER CORP COM * COMMON STOCK 260003108 457 15186 SH DEFINED 14686 0 500
DOVER CORP COM * COMMON STOCK 260003108 77 2555 SH OTHER 2555 0 0
DOW CHEMICAL CO COM * COMMON STOCK 260543103 2962 90401 SH DEFINED 90401 0 0
DOW CHEMICAL CO COM * COMMON STOCK 260543103 115 3509 SH OTHER 2609 900 0
DRIL-QUIP INC COM COMMON STOCK 262037104 1066 68800 SH DEFINED 68800 0 0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK 263534109 3918 104430 SH DEFINED 103030 0 1400
DU PONT E I DE NEMOURS & CO CO COMMON STOCK 263534109 1103 29393 SH OTHER 24435 4958 0
DUKE ENERGY CORP * COMMON STOCK 264399106 5401 142682 SH DEFINED 142282 0 400
DUKE ENERGY CORP * COMMON STOCK 264399106 472 12472 SH OTHER 12172 0 300
DYNACQ INTERNATIONAL INC COM COMMON STOCK 267919306 897 59600 SH DEFINED 59600 0 0
DYNEGY INC NEW CL A* COMMON STOCK 26816Q101 709 20473 SH DEFINED 20473 0 0
DYNEGY INC NEW CL A* COMMON STOCK 26816Q101 78 2264 SH OTHER 2264 0 0
E M C CORP MASSACHUSETTS COM * COMMON STOCK 268648102 6347 540210 SH DEFINED 522790 0 17420
E M C CORP MASSACHUSETTS COM * COMMON STOCK 268648102 648 55152 SH OTHER 52577 0 2575
EATON CORP COM * COMMON STOCK 278058102 299 5048 SH DEFINED 5048 0 0
ECOLAB INC COM COMMON STOCK 278865100 399 10972 SH DEFINED 10972 0 0
EDISON INTERNATIONAL COM COMMON STOCK 281020107 143 10848 SH DEFINED 10848 0 0
EL PASO CORP COM* COMMON STOCK 28336L109 12614 303588 SH DEFINED 297427 0 6161
EL PASO CORP COM* COMMON STOCK 28336L109 2464 59297 SH OTHER 53962 2416 2919
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK 285661104 2409 41833 SH DEFINED 41833 0 0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK 285661104 128 2224 SH OTHER 2224 0 0
ELI LILLY & CO COM * COMMON STOCK 532457108 1009 12504 SH DEFINED 12504 0 0
ELI LILLY & CO COM * COMMON STOCK 532457108 767 9500 SH OTHER 9400 0 100
EMERSON ELECTRIC CO COM * COMMON STOCK 291011104 5114 108667 SH DEFINED 107167 0 1500
EMERSON ELECTRIC CO COM * COMMON STOCK 291011104 1068 22705 SH OTHER 14145 130 8430
ENCOMPASS SERVICES CORPORATION COMMON STOCK 29255U104 108 28537 SH DEFINED 28537 0 0
ENRON CORP COM * COMMON STOCK 293561106 6062 222627 SH DEFINED 221827 0 800
ENRON CORP COM * COMMON STOCK 293561106 716 26290 SH OTHER 24290 0 2000
ENSCO INTERNATIONAL INC COM* COMMON STOCK 26874Q100 1921 131376 SH DEFINED 131226 0 150
ENSCO INTERNATIONAL INC COM* COMMON STOCK 26874Q100 88 6041 SH OTHER 6041 0 0
ENTERASYS NETWORKS INC COM COMMON STOCK 293637104 743 115200 SH DEFINED 115200 0 0
ENTERGY CORP NEW COM COMMON STOCK 29364G103 427 11996 SH DEFINED 11796 0 200
ENTERGY CORP NEW COM COMMON STOCK 29364G103 25 700 SH OTHER 0 0 700
ENZO BIOCHEM INC COM COMMON STOCK 294100102 456 26870 SH DEFINED 26870 0 0
EXPEDITORS INTL WASHINGTON INC COMMON STOCK 302130109 305 6450 SH DEFINED 6450 0 0
EXPRESS SCRIPTS INC COMMON STO COMMON STOCK 302182100 412 7445 SH DEFINED 7445 0 0
EXXON MOBIL CORP COM * COMMON STOCK 30231G102 49830 1264723 SH DEFINED 1255091 0 9632
EXXON MOBIL CORP COM * COMMON STOCK 30231G102 8598 218225 SH OTHER 205397 3672 9156
FAMILY DOLLAR STORES INC COM COMMON STOCK 307000109 2616 95050 SH DEFINED 95050 0 0
FANNIE MAE * COMMON STOCK 313586109 22721 283801 SH DEFINED 281984 0 1817
FANNIE MAE * COMMON STOCK 313586109 1802 22504 SH OTHER 21059 755 690
FIRST DATA CORP COM * COMMON STOCK 319963104 689 11818 SH DEFINED 11818 0 0
FIRST HEALTH GROUP CORP COM COMMON STOCK 320960107 1815 61760 SH DEFINED 61760 0 0
FISERV INC COM * COMMON STOCK 337738108 2878 84151 SH DEFINED 84151 0 0
FISERV INC COM * COMMON STOCK 337738108 265 7757 SH OTHER 7757 0 0
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK 339030108 7262 197595 SH DEFINED 195047 0 2548
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK 339030108 1331 36219 SH OTHER 28217 0 8002
FLORIDA ROCK INDUSTRIES INC CO COMMON STOCK 341140101 1164 36900 SH DEFINED 36900 0 0
FOCUS ENHANCEMENTS INC COMMON STOCK 344159108 61 67500 SH DEFINED 67500 0 0
FORD MOTOR COMPANY * COMMON STOCK 345370860 8764 505138 SH DEFINED 504438 0 700
FORD MOTOR COMPANY * COMMON STOCK 345370860 151 8724 SH OTHER 8724 0 0
FOREST LABORATORIES INC COM * COMMON STOCK 345838106 294 4078 SH DEFINED 4078 0 0
FORTUNE BRANDS INC COM * COMMON STOCK 349631101 688 20530 SH DEFINED 19970 0 560
FORTUNE BRANDS INC COM * COMMON STOCK 349631101 34 1004 SH OTHER 1004 0 0
FPL GROUP INC COM * COMMON STOCK 302571104 186 3475 SH DEFINED 3475 0 0
FPL GROUP INC COM * COMMON STOCK 302571104 32 600 SH OTHER 600 0 0
FREDDIE MAC * COMMON STOCK 313400301 523 8043 SH DEFINED 7443 0 600
FREDDIE MAC * COMMON STOCK 313400301 260 4000 SH OTHER 0 0 4000
GABELLI ASSET MANAGEMENT INC C COMMON STOCK 36239Y102 1116 30300 SH DEFINED 30300 0 0
GANNETT CO COM* COMMON STOCK 364730101 540 8983 SH DEFINED 8983 0 0
GAP INC COM * COMMON STOCK 364760108 1093 91481 SH DEFINED 91481 0 0
GAP INC COM * COMMON STOCK 364760108 62 5164 SH OTHER 5164 0 0
GENERAL ELECTRIC CO COM * COMMON STOCK 369604103 35300 948920 SH DEFINED 928875 0 20045
GENERAL ELECTRIC CO COM * COMMON STOCK 369604103 6373 171330 SH OTHER 135510 14520 21300
GENERAL MILLS INC COM COMMON STOCK 370334104 489 10740 SH DEFINED 10740 0 0
GENERAL MILLS INC COM COMMON STOCK 370334104 491 10800 SH OTHER 4000 6400 400
GENERAL MOTORS CORP CLASS H NE COMMON STOCK 370442832 298 22373 SH DEFINED 22373 0 0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK 370442832 20 1485 SH OTHER 1485 0 0
GENERAL MOTORS CORP COM COMMON STOCK 370442105 5721 133368 SH DEFINED 133368 0 0
GENERAL MOTORS CORP COM COMMON STOCK 370442105 244 5685 SH OTHER 5685 0 0
GENTEX CORP COM COMMON STOCK 371901109 1543 64600 SH DEFINED 64600 0 0
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