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

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/29/02

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          4/6/02


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:    681

FORM 13F INFORMATION TABLE VALUE TOTAL:           $2,025,978




                                                                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      885    56338 SH       DEFINED               56238        0      100
A T & T CORP COM *             COMMON STOCK     001957109      193    12263 SH       OTHER                  7805     4458        0
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     8336   158479 SH       DEFINED              155079        0     3400
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     2512    47760 SH       OTHER                 20560    20800     6400
ABERCROMBIE & FITCH CO CLASS A COMMON STOCK     002896207     1488    48300 SH       DEFINED               48300        0        0
ACTION PERFORMANCE COMPANIES I COMMON STOCK     004933107      509    10333 SH       DEFINED               10333        0        0
ADAPTEC INC COM                COMMON STOCK     00651F108     1411   105500 SH       DEFINED              105500        0        0
ADAPTEC INC COM                COMMON STOCK     00651F108        2      150 SH       OTHER                   100        0       50
ADMINISTAFF INC COM            COMMON STOCK     007094105     1525    55200 SH       DEFINED               55200        0        0
AFLAC INC COM *                COMMON STOCK     001055102     1899    64381 SH       DEFINED               64381        0        0
AFLAC INC COM *                COMMON STOCK     001055102      279     9464 SH       OTHER                  9464        0        0
AGILENT TECHNOLOGIES INC COM*  COMMON STOCK     00846U101      155     4420 SH       DEFINED                4073        0      347
AGILENT TECHNOLOGIES INC COM*  COMMON STOCK     00846U101       99     2832 SH       OTHER                  2832        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      675    13061 SH       DEFINED               13061        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      625    12100 SH       OTHER                 12100        0        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104      333    10052 SH       DEFINED               10052        0        0
ALCOA INC COM*                 COMMON STOCK     013817101    18758   497043 SH       DEFINED              484854        0    12189
ALCOA INC COM*                 COMMON STOCK     013817101     1513    40098 SH       OTHER                 30098        0    10000
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK     015271109     1534    34400 SH       DEFINED               34400        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106      349     8445 SH       DEFINED                8445        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       41     1000 SH       OTHER                     0     1000        0
ALLETE INC COM                 COMMON STOCK     018522102     1149    39500 SH       DEFINED               39500        0        0
ALLIED WASTE INDS INC COM NEW  COMMON STOCK     019589308      676    52000 SH       DEFINED               52000        0        0
ALLSTATE CORP COM              COMMON STOCK     020002101      570    15088 SH       DEFINED               14688        0      400
ALLSTATE CORP COM              COMMON STOCK     020002101      262     6946 SH       OTHER                  2946        0     4000
ALLTEL CORP COM *              COMMON STOCK     020039103    65204  1173796 SH       DEFINED             1157850        0    15946
ALLTEL CORP COM *              COMMON STOCK     020039103     3500    63008 SH       OTHER                 62829      179        0
ALTERA CORP COM *              COMMON STOCK     021441100      568    25956 SH       DEFINED               25956        0        0
ALTERA CORP COM *              COMMON STOCK     021441100       90     4138 SH       OTHER                  4138        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101     1053    22851 SH       DEFINED               22851        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      209     4536 SH       OTHER                  4536        0        0
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109    11847   289237 SH       DEFINED              277187        0    12050
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     1271    31033 SH       OTHER                 30633        0      400
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     4248    58882 SH       DEFINED               57092        0     1790
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     1287    17839 SH       OTHER                 13393     2882     1564
AMERICAN ITALIAN PASTA CO CLAS COMMON STOCK     027070101     1654    36439 SH       DEFINED               36439        0        0
AMERICAN NATIONAL INSURANCE CO COMMON STOCK     028591105      402     4252 SH       DEFINED                  25        0     4227
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107      365    24682 SH       DEFINED               24682        0        0
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107       20     1370 SH       OTHER                  1370        0        0
AMERICREDIT CORP COM           COMMON STOCK     03060R101      223     5859 SH       DEFINED                4625        0     1234
AMGEN INC COM *                COMMON STOCK     031162100     1166    19536 SH       DEFINED               19536        0        0
AMGEN INC COM *                COMMON STOCK     031162100      661    11074 SH       OTHER                  6474        0     4600
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      192     8756 SH       DEFINED                   0        0     8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      108     4920 SH       OTHER                  4920        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107    11414   202238 SH       DEFINED              202238        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107      171     3027 SH       OTHER                  2927        0      100
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103     9369   179489 SH       DEFINED              179339        0      150
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103      475     9100 SH       OTHER                  8800        0      300
ANNTAYLOR STORES CORP COM      COMMON STOCK     036115103     1871    43300 SH       DEFINED               43300        0        0
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105   106475  4502099 SH       DEFINED             4486109        0    15990
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105     1573    66523 SH       OTHER                 49053    14400     3070
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105     1341    24706 SH       DEFINED               24682        0       24
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105      119     2199 SH       OTHER                  1450      649      100
ARCHSTONE-SMITH TR COM*        COMMON STOCK     039583109     3135   117025 SH       DEFINED              115135        0     1890
ARCHSTONE-SMITH TR COM*        COMMON STOCK     039583109      686    25594 SH       OTHER                 25594        0        0
ARMOR HOLDINGS INC COM         COMMON STOCK     042260109     1192    44000 SH       DEFINED               44000        0        0
AT & T WIRELESS SERVICES INC C COMMON STOCK     00209A106      462    51611 SH       DEFINED               51124        0      487
AT & T WIRELESS SERVICES INC C COMMON STOCK     00209A106       56     6272 SH       OTHER                  3840     1432     1000
AUTODESK INC COM               COMMON STOCK     052769106     1093    23400 SH       DEFINED               23400        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      947    16250 SH       DEFINED               16250        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103       93     1600 SH       OTHER                  1600        0        0
AVERY DENNISON CORP COM *      COMMON STOCK     053611109    17031   279064 SH       DEFINED              278614        0      450
AVERY DENNISON CORP COM *      COMMON STOCK     053611109     1643    26922 SH       OTHER                 23482       70     3370
AVNET INC COM                  COMMON STOCK     053807103     5522   204082 SH       DEFINED              204082        0        0
AVNET INC COM                  COMMON STOCK     053807103       63     2328 SH       OTHER                  2328        0        0
AVOCENT CORPORATION            COMMON STOCK     053893103     1007    37600 SH       DEFINED               37600        0        0
AVX CORP COM                   COMMON STOCK     002444107     3792   181069 SH       DEFINED              181069        0        0
AVX CORP COM                   COMMON STOCK     002444107       65     3086 SH       OTHER                  3086        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107     2031    53099 SH       DEFINED               53049        0       50
BAKER HUGHES INC COM *         COMMON STOCK     057224107      437    11423 SH       OTHER                  6733      100     4590
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104     4429    65119 SH       DEFINED               64519        0      600
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104       67      978 SH       OTHER                   978        0        0
BANK ONE CORP COM*             COMMON STOCK     06423A103      739    17681 SH       DEFINED                6910        0    10771
BANK ONE CORP COM*             COMMON STOCK     06423A103       42     1000 SH       OTHER                  1000        0        0
BANKNORTH GROUP INC            COMMON STOCK     06646R107     4890   185587 SH       DEFINED              185587        0        0
BANKNORTH GROUP INC            COMMON STOCK     06646R107       96     3646 SH       OTHER                  3646        0        0
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109    17400   292335 SH       DEFINED              287538        0     4797
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109     1082    18173 SH       OTHER                 15043       60     3070
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109      930    24654 SH       DEFINED               24654        0        0
BELLSOUTH CORP COM *           COMMON STOCK     079860102     2892    78446 SH       DEFINED               77182        0     1264
BELLSOUTH CORP COM *           COMMON STOCK     079860102      759    20600 SH       OTHER                 20600        0        0
BEMIS INC COM*                 COMMON STOCK     081437105      326     6000 SH       OTHER                     0     6000        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207      211       89 SH       DEFINED                  89        0        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207       88       37 SH       OTHER                    37        0        0
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101     2292    28934 SH       DEFINED               28663        0      271
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101     1374    17353 SH       OTHER                 13373        0     3980
BIOGEN INC COM*                COMMON STOCK     090597105      269     5477 SH       DEFINED                5477        0        0
BJ SERVICES CO COM*            COMMON STOCK     055482103     1606    46600 SH       DEFINED               46600        0        0
BJ SERVICES CO COM*            COMMON STOCK     055482103       31      900 SH       OTHER                   900        0        0
BLACK & DECKER CORP COM        COMMON STOCK     091797100     1382    29700 SH       DEFINED               29700        0        0
BLOCK H & R INC COM            COMMON STOCK     093671105     1565    35200 SH       DEFINED               35200        0        0
BLYTH INC. COM                 COMMON STOCK     09643P108     6780   255661 SH       DEFINED              255605        0       56
BLYTH INC. COM                 COMMON STOCK     09643P108      100     3758 SH       OTHER                  3758        0        0
BOEING CO COM *                COMMON STOCK     097023105      982    20342 SH       DEFINED               20282        0       60
BOEING CO COM *                COMMON STOCK     097023105      847    17557 SH       OTHER                 16877        0      680
BOISE CASCADE CORP COM         COMMON STOCK     097383103     1390    38358 SH       DEFINED               38358        0        0
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     4186   103391 SH       DEFINED              101691        0     1700
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108      645    15925 SH       OTHER                 15925        0        0
BROWN TOM INC COM NEW          COMMON STOCK     115660201     1474    54000 SH       DEFINED               54000        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      558    18487 SH       DEFINED               18487        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      461    15278 SH       OTHER                 13278     2000        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103     3676    91705 SH       DEFINED               91705        0        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103      204     5099 SH       OTHER                  2908      871     1320
C H ROBINSON WORLDWIDE INC COM COMMON STOCK     12541W100      233     6944 SH       DEFINED                6944        0        0
CALIFORNIA PIZZA KITCHEN INC   COMMON STOCK     13054D109      998    39914 SH       DEFINED               39914        0        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109     4518   196435 SH       DEFINED              196435        0        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109       29     1242 SH       OTHER                  1242        0        0
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108    20140   284098 SH       DEFINED              278838        0     5260
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108     1278    18026 SH       OTHER                 17340        0      686
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      370    11345 SH       DEFINED               10845        0      500
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      245     7500 SH       OTHER                  7500        0        0
CARRIAGE SERVICES INC CLASS A  COMMON STOCK     143905107       51    10000 SH       DEFINED               10000        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101       88     1545 SH       DEFINED                 770        0      775
CATERPILLAR INC COM *          COMMON STOCK     149123101      145     2552 SH       OTHER                   600     1852      100
CAVALIER HOMES INC COM         COMMON STOCK     149507105       75    20000 SH       DEFINED               20000        0        0
CEC ENTERTAINMENT INC COM      COMMON STOCK     125137109     2013    43576 SH       DEFINED               43576        0        0
CHEVRONTEXACO CORP COM*        COMMON STOCK     166764100    24465   271025 SH       DEFINED              264751        0     6274
CHEVRONTEXACO CORP COM*        COMMON STOCK     166764100     3466    38392 SH       OTHER                 28133     4300     5959
CHOICEPOINT INC COM            COMMON STOCK     170388102      204     3536 SH       DEFINED                3536        0        0
CHUBB CORP COM*                COMMON STOCK     171232101    20140   275508 SH       DEFINED              269343        0     6165
CHUBB CORP COM*                COMMON STOCK     171232101     1739    23792 SH       OTHER                 22932        0      860
CIENA CORP COM*                COMMON STOCK     171779101       57     6316 SH       DEFINED                6316        0        0
CIENA CORP COM*                COMMON STOCK     171779101       36     4000 SH       OTHER                  4000        0        0
CIGNA CORP COM                 COMMON STOCK     125509109     9337    92092 SH       DEFINED               92092        0        0
CIGNA CORP COM                 COMMON STOCK     125509109       85      836 SH       OTHER                   836        0        0
CINERGY CORP COM               COMMON STOCK     172474108     8173   228605 SH       DEFINED              228510        0       95
CINERGY CORP COM               COMMON STOCK     172474108      115     3207 SH       OTHER                  3207        0        0
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102    12227   722193 SH       DEFINED              708728        0    13465
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102      608    35927 SH       OTHER                 31087     1800     3040
CITIGROUP INC COM *            COMMON STOCK     172967101    27301   551309 SH       DEFINED              549245        0     2064
CITIGROUP INC COM *            COMMON STOCK     172967101     4331    87465 SH       OTHER                 73982     6160     7323
CITY NATIONAL CORP COM         COMMON STOCK     178566105     1757    33400 SH       DEFINED               33400        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     3807    74057 SH       DEFINED               72993        0     1064
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     6934   134868 SH       OTHER                134868        0        0
CLOROX CO COM *                COMMON STOCK     189054109    13489   309177 SH       DEFINED              299497        0     9680
CLOROX CO COM *                COMMON STOCK     189054109     1647    37752 SH       OTHER                 30874      800     6078
COCA COLA CO COM *             COMMON STOCK     191216100    11488   219818 SH       DEFINED              217686        0     2132
COCA COLA CO COM *             COMMON STOCK     191216100     1754    33567 SH       OTHER                 29007        0     4560
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103     3887    68021 SH       DEFINED               68021        0        0
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103      371     6500 SH       OTHER                  6500        0        0
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100      852    81529 SH       DEFINED               79385        0     2144
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100      553    52960 SH       OTHER                 52660        0      300
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      353     6959 SH       DEFINED                6959        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      684    13479 SH       OTHER                 13479        0        0
COMVERSE TECHNOLOGY INC COM*   COMMON STOCK     205862402     3241   255795 SH       DEFINED              240795        0    15000
COMVERSE TECHNOLOGY INC COM*   COMMON STOCK     205862402      102     8050 SH       OTHER                  8050        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102      196     8101 SH       DEFINED                8101        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102      221     9100 SH       OTHER                  8600        0      500
CONCORD EFS INC COM*           COMMON STOCK     206197105    14631   440027 SH       DEFINED              428277        0    11750
CONCORD EFS INC COM*           COMMON STOCK     206197105      669    20132 SH       OTHER                 19552        0      580
CONEXANT SYSTEMS INC COM       COMMON STOCK     207142100      218    18096 SH       DEFINED               18096        0        0
CONEXANT SYSTEMS INC COM       COMMON STOCK     207142100       24     2022 SH       OTHER                  2022        0        0
CONOCO INC COM                 COMMON STOCK     208251504      125     4298 SH       DEFINED                4298        0        0
CONOCO INC COM                 COMMON STOCK     208251504       90     3070 SH       OTHER                     0     3070        0
CONSOL ENERGY INC COM          COMMON STOCK     20854P109     3131   119266 SH       DEFINED              119266        0        0
CONSOL ENERGY INC COM          COMMON STOCK     20854P109       60     2273 SH       OTHER                  2273        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104      387     9242 SH       DEFINED                9242        0        0
COST PLUS INC CALIF COM        COMMON STOCK     221485105      802    29320 SH       DEFINED               29320        0        0
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105    14374   360974 SH       DEFINED              351099        0     9875
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105     1035    26000 SH       OTHER                 26000        0        0
CREDENCE SYSTEMS CORP COM      COMMON STOCK     225302108     1047    47700 SH       DEFINED               47700        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105      609    31400 SH       DEFINED               31400        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105        3      168 SH       OTHER                   168        0        0
CSX CORP COM                   COMMON STOCK     126408103      472    12380 SH       DEFINED               12380        0        0
CSX CORP COM                   COMMON STOCK     126408103       46     1200 SH       OTHER                  1200        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    14007   390499 SH       DEFINED              360072     2101    28326
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     1710    47680 SH       OTHER                 44680        0     3000
CVS CORP COM *                 COMMON STOCK     126650100      457    13315 SH       DEFINED               13315        0        0
CVS CORP COM *                 COMMON STOCK     126650100       10      300 SH       OTHER                   300        0        0
DEERE & CO COM *               COMMON STOCK     244199105      214     4690 SH       DEFINED                4690        0        0
DEERE & CO COM *               COMMON STOCK     244199105       36      790 SH       OTHER                   790        0        0
DELL COMPUTER CORP COM*        COMMON STOCK     247025109    12145   465137 SH       DEFINED              450778        0    14359
DELL COMPUTER CORP COM*        COMMON STOCK     247025109     1358    52022 SH       OTHER                 34217        0    17805
DELPHI CORPORATION COM         COMMON STOCK     247126105     4228   264407 SH       DEFINED              264338        0       69
DELPHI CORPORATION COM         COMMON STOCK     247126105       82     5126 SH       OTHER                  5126        0        0
DENTSPLY INTERNATIONAL INC NEW COMMON STOCK     249030107      539    14546 SH       DEFINED               14546        0        0
DEVON ENERGY CORPORATION NEW C COMMON STOCK     25179M103      377     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      384     9421 SH       DEFINED                9421        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106     1760    76252 SH       DEFINED               76252        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106      497    21536 SH       OTHER                 10042     6294     5200
DOVER CORP COM *               COMMON STOCK     260003108      524    12769 SH       DEFINED               12769        0        0
DOVER CORP COM *               COMMON STOCK     260003108       99     2420 SH       OTHER                  2420        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103    21786   665830 SH       DEFINED              651920        0    13910
DOW CHEMICAL CO COM *          COMMON STOCK     260543103     1400    42789 SH       OTHER                 40099      900     1790
DRIL-QUIP INC COM              COMMON STOCK     262037104     2211    86200 SH       DEFINED               86200        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     6041   128115 SH       DEFINED              128115        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1480    31393 SH       OTHER                 26135     4958      300
DUKE ENERGY CORP *             COMMON STOCK     264399106     5020   132810 SH       DEFINED              132810        0        0
DUKE ENERGY CORP *             COMMON STOCK     264399106      393    10402 SH       OTHER                 10102        0      300
DYNACQ INTERNATIONAL INC COM   COMMON STOCK     267919306      636    41900 SH       DEFINED               41900        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102     3534   296517 SH       DEFINED              295977        0      540
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102      566    47463 SH       OTHER                 47063        0      400
EASTMAN KODAK CO COM *         COMMON STOCK     277461109     1741    55844 SH       DEFINED               55844        0        0
EASTMAN KODAK CO COM *         COMMON STOCK     277461109       36     1150 SH       OTHER                  1150        0        0
EDISON INTERNATIONAL COM       COMMON STOCK     281020107      182    10848 SH       DEFINED               10848        0        0
EL PASO CORP COM*              COMMON STOCK     28336L109    14505   329425 SH       DEFINED              328806        0      619
EL PASO CORP COM*              COMMON STOCK     28336L109     2972    67505 SH       OTHER                 60962     2416     4127
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104     2841    48983 SH       DEFINED               48983        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104      155     2674 SH       OTHER                  2674        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108      810    10632 SH       DEFINED               10632        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108      724     9500 SH       OTHER                  9400        0      100
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104    15471   269580 SH       DEFINED              264270        0     5310
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     1313    22887 SH       OTHER                 16172        0     6715
ENCOMPASS SERVICES CORPORATION COMMON STOCK     29255U104       51    28537 SH       DEFINED               28537        0        0
ENGELHARD CORP COM*            COMMON STOCK     292845104      338    10900 SH       DEFINED               10900        0        0
ENSCO INTERNATIONAL INC COM*   COMMON STOCK     26874Q100     4543   150732 SH       DEFINED              149442        0     1290
ENSCO INTERNATIONAL INC COM*   COMMON STOCK     26874Q100      381    12630 SH       OTHER                 12041        0      589
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      606    13951 SH       DEFINED               13751        0      200
ENTERGY CORP NEW COM           COMMON STOCK     29364G103       30      700 SH       OTHER                     0        0      700
ENZO BIOCHEM INC COM           COMMON STOCK     294100102      572    28213 SH       DEFINED               28213        0        0
EVEREST RE GROUP LTD COM*      COMMON STOCK     G3223R108      337     4860 SH       DEFINED                4860        0        0
EXAR CORPORATION               COMMON STOCK     300645108     1382    67300 SH       DEFINED               67300        0        0
EXPRESS SCRIPTS INC COMMON STO COMMON STOCK     302182100      598    10385 SH       DEFINED               10385        0        0
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102    61150  1395169 SH       DEFINED             1383705        0    11464
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102     9493   216592 SH       OTHER                207736     2400     6456
FAMILY DOLLAR STORES INC COM   COMMON STOCK     307000109     2362    70500 SH       DEFINED               70500        0        0
FANNIE MAE *                   COMMON STOCK     313586109    17586   220149 SH       DEFINED              219255        0      894
FANNIE MAE *                   COMMON STOCK     313586109     1194    14946 SH       OTHER                 14665       31      250
FIRST DATA CORP COM *          COMMON STOCK     319963104      201     2300 SH       DEFINED                2300        0        0
FIRST HEALTH GROUP CORP COM    COMMON STOCK     320960107     1544    64000 SH       DEFINED               64000        0        0
FISERV INC COM *               COMMON STOCK     337738108     1280    27825 SH       DEFINED               27825        0        0
FISERV INC COM *               COMMON STOCK     337738108       71     1552 SH       OTHER                  1552        0        0
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108     4990   142578 SH       DEFINED              140733        0     1845
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108      176     5021 SH       OTHER                  4621        0      400
FLORIDA ROCK INDUSTRIES INC CO COMMON STOCK     341140101     1534    38500 SH       DEFINED               38500        0        0
FOCUS ENHANCEMENTS INC         COMMON STOCK     344159108       92    67500 SH       DEFINED               67500        0        0
FOOT LOCKER INC COM            COMMON STOCK     344849104     2865   177064 SH       DEFINED              177064        0        0
FORD MOTOR COMPANY *           COMMON STOCK     345370860     9069   549995 SH       DEFINED              549995        0        0
FORD MOTOR COMPANY *           COMMON STOCK     345370860      144     8724 SH       OTHER                  8724        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101     1000    20249 SH       DEFINED               19689        0      560
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101       50     1004 SH       OTHER                  1004        0        0
FORWARD AIR CORP COM           COMMON STOCK     349853101     1609    50825 SH       DEFINED               50825        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104      308     5175 SH       DEFINED                5175        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       36      600 SH       OTHER                   600        0        0
FREDDIE MAC *                  COMMON STOCK     313400301     7376   116391 SH       DEFINED              116344        0       47
FREDDIE MAC *                  COMMON STOCK     313400301      136     2139 SH       OTHER                  2139        0        0
GABELLI ASSET MANAGEMENT INC C COMMON STOCK     36239Y102     1362    34300 SH       DEFINED               34300        0        0
GALLAGHER ARTHUR J & CO COM*   COMMON STOCK     363576109      525    16033 SH       DEFINED               16033        0        0
GANNETT CO COM*                COMMON STOCK     364730101     1383    18168 SH       DEFINED               18128        0       40
GANNETT CO COM*                COMMON STOCK     364730101      530     6967 SH       OTHER                  6277        0      690
GART SPORTS COMPANY COM        COMMON STOCK     366630101     1117    37000 SH       DEFINED               37000        0        0
GENERAL DYNAMICS CORP COM*     COMMON STOCK     369550108    12244   130321 SH       DEFINED              126731        0     3590
GENERAL DYNAMICS CORP COM*     COMMON STOCK     369550108      930     9903 SH       OTHER                  9393        0      510
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103    39686  1059707 SH       DEFINED             1042312        0    17395
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     6196   165454 SH       OTHER                129424    14520    21510
GENERAL MILLS INC COM*         COMMON STOCK     370334104     2101    43012 SH       DEFINED               43012        0        0
GENERAL MILLS INC COM*         COMMON STOCK     370334104      542    11100 SH       OTHER                  4000     6400      700
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832      365    22161 SH       DEFINED               22161        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832        6      378 SH       OTHER                   378        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105     7811   129211 SH       DEFINED              128636        0      575
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      344     5685 SH       OTHER                  5685        0        0
GENTEX CORP COM                COMMON STOCK     371901109     2389    80635 SH       DEFINED               80635        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108      380    12690 SH       DEFINED               12520        0      170
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108       45     1490 SH       OTHER                  1490        0        0
GIBRALTAR STEEL CORPORATION CO COMMON STOCK     37476F103      812    37300 SH       DEFINED               37300        0        0
GILLETTE CO COM *              COMMON STOCK     375766102      422    12404 SH       DEFINED               12404        0        0
GILLETTE CO COM *              COMMON STOCK     375766102       22      650 SH       OTHER                   650        0        0
GLOBALSANTAFE CORP COM         COMMON STOCK     G3930E101     1703    52070 SH       DEFINED               51500        0      570
GLOBALSANTAFE CORP COM         COMMON STOCK     G3930E101       15      465 SH       OTHER                   465        0        0
GRANITE CONSTRUCTION INC COM   COMMON STOCK     387328107     1460    59325 SH       DEFINED               59325        0        0
GRANT PRIDECO INC COM          COMMON STOCK     38821G101     1758   128500 SH       DEFINED              128500        0        0
GREATER BAY BANCORP COM        COMMON STOCK     391648102     1426    41800 SH       DEFINED               41800        0        0
GREY WOLF INC COM              COMMON STOCK     397888108       59    15000 SH       DEFINED               15000        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101     3303   193471 SH       DEFINED              192796        0      675
HALLIBURTON CO COM *           COMMON STOCK     406216101      137     8000 SH       OTHER                  3300     3000     1700
HANDLEMAN CO DEL COM           COMMON STOCK     410252100      459    44700 SH       DEFINED               44700        0        0
HANOVER COMPRESSOR CO (HOLDING COMMON STOCK     410768105      233    12950 SH       DEFINED               12950        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108      363     6584 SH       DEFINED                6584        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108       72     1300 SH       OTHER                  1300        0        0
HARRIS CORP DELAWARE COM       COMMON STOCK     413875105     3039    84628 SH       DEFINED               84628        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      405     5945 SH       DEFINED                5945        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      163     2400 SH       OTHER                     0        0     2400
HCA INC*                       COMMON STOCK     404119109    19075   432736 SH       DEFINED              421572        0    11164
HCA INC*                       COMMON STOCK     404119109     1853    42039 SH       OTHER                 34489        0     7550
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102    23196   829914 SH       DEFINED              814509        0    15405
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102     2098    75068 SH       OTHER                 72432        0     2636
HEALTH MGMT ASSOC INC NEW CLAS COMMON STOCK     421933102      348    16765 SH       DEFINED               16765        0        0
HEALTHSOUTH CORP COM           COMMON STOCK     421924101      144    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     3988    96100 SH       DEFINED               96100        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103      293     7050 SH       OTHER                  5850     1200        0
HELMERICH & PAYNE INC COM      COMMON STOCK     423452101     1568    39100 SH       DEFINED               39100        0        0
HERSHEY FOODS CORP COM*        COMMON STOCK     427866108      320     4675 SH       DEFINED                4675        0        0
HERSHEY FOODS CORP COM*        COMMON STOCK     427866108      137     2000 SH       OTHER                   400        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103      718    40035 SH       DEFINED               38215        0     1820
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103      328    18287 SH       OTHER                 18287        0        0
HIBERNIA CORP CLASS A          COMMON STOCK     428656102     1213    63500 SH       DEFINED               63500        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102     3313   230875 SH       DEFINED              230875        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102       75     5200 SH       OTHER                  5200        0        0
HILLENBRAND INDUSTRIES INC COM COMMON STOCK     431573104      284     4602 SH       DEFINED                4602        0        0
HOME DEPOT INC COM *           COMMON STOCK     437076102     5283   108690 SH       DEFINED              106545        0     2145
HOME DEPOT INC COM *           COMMON STOCK     437076102      229     4720 SH       OTHER                  4320        0      400
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106    32483   848782 SH       DEFINED              834742        0    14040
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106     2262    59097 SH       OTHER                 53997        0     5100
HOUSEHOLD INTERNATIONAL CORP C COMMON STOCK     441815107      458     8070 SH       DEFINED                8070        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      728    10060 SH       DEFINED               10060        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      567     7840 SH       OTHER                  7840        0        0
INGERSOLL-RAND COMPANY CLASS A COMMON STOCK     G4776G101     1342    26835 SH       DEFINED               26085        0      750
INGERSOLL-RAND COMPANY CLASS A COMMON STOCK     G4776G101      743    14850 SH       OTHER                 14850        0        0
INTEL CORP COM *               COMMON STOCK     458140100    21684   713052 SH       DEFINED              699068        0    13984
INTEL CORP COM *               COMMON STOCK     458140100     2799    92028 SH       OTHER                 71143      400    20485
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103    10311   239741 SH       DEFINED              232991        0     6750
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      723    16800 SH       OTHER                 16800        0        0
INTERTRUST TECHNOLOGIES CORP   COMMON STOCK     46113Q109       19    15000 SH       DEFINED               15000        0        0
INTERTRUST TECHNOLOGIES CORP   COMMON STOCK     46113Q109        0      363 SH       OTHER                   363        0        0
INTL BUSINESS MACHINES CORP CO COMMON STOCK     459200101     7694    73979 SH       DEFINED               70894        0     3085
INTL BUSINESS MACHINES CORP CO COMMON STOCK     459200101     2372    22805 SH       OTHER                 17189     3216     2400
INVESTMENT TECHNOLOGY GROUP IN COMMON STOCK     46145F105     3837    72750 SH       DEFINED               72750        0        0
ITT EDUCATIONAL SERVICES INC C COMMON STOCK     45068B109     2070    46000 SH       DEFINED               46000        0        0
J P MORGAN CHASE & CO COM      COMMON STOCK     46625H100      778    21837 SH       DEFINED               21317        0      520
J P MORGAN CHASE & CO COM      COMMON STOCK     46625H100       65     1825 SH       OTHER                  1225        0      600
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     8712   134140 SH       DEFINED              130312        0     3828
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     3748    57707 SH       OTHER                 41077    11200     5430
JONES APPAREL GROUP INC COM*   COMMON STOCK     480074103      233     6668 SH       DEFINED                6668        0        0
JONES APPAREL GROUP INC COM*   COMMON STOCK     480074103       39     1110 SH       OTHER                  1110        0        0
KERR MCGEE CORP COM            COMMON STOCK     492386107      241     3842 SH       DEFINED                3842        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100      452    12410 SH       DEFINED               12410        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100       77     2128 SH       OTHER                  1628        0      500
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103     6145    95046 SH       DEFINED               94856        0      190
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103      873    13501 SH       OTHER                 11001        0     2500
LAFARGE NORTH AMERICA INC COM  COMMON STOCK     505862102     5489   126938 SH       DEFINED              126938        0        0
LAFARGE NORTH AMERICA INC COM  COMMON STOCK     505862102       93     2143 SH       OTHER                  2143        0        0
LEAP WIRELESS INTERNATIONAL IN COMMON STOCK     521863100       84    10000 SH       DEFINED               10000        0        0
LEGG MASON INC COM             COMMON STOCK     524901105     2580    48600 SH       DEFINED               48600        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      555    22367 SH       DEFINED               22367        0        0
LIBERTY MEDIA CORP NEW COM SER COMMON STOCK     530718105      733    58014 SH       DEFINED               57564        0      450
LIBERTY MEDIA CORP NEW COM SER COMMON STOCK     530718105       16     1300 SH       OTHER                     0        0     1300
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      846    14700 SH       DEFINED               14700        0        0
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109       23      400 SH       OTHER                   400        0        0
LOWES COS INC COM *            COMMON STOCK     548661107    20059   461222 SH       DEFINED              448151        0    13071
LOWES COS INC COM *            COMMON STOCK     548661107     1645    37815 SH       OTHER                 35705        0     2110
LUBY'S INC COM                 COMMON STOCK     549282101      402    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       54    11413 SH       DEFINED                8071        0     3342
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107       30     6398 SH       OTHER                  2454     3844      100
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107      206    12400 SH       DEFINED               12400        0        0
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103      199    63276 SH       DEFINED               63276        0        0
MANPOWER INC WISCONSIN COM     COMMON STOCK     56418H100     5099   131152 SH       DEFINED              131152        0        0
MANPOWER INC WISCONSIN COM     COMMON STOCK     56418H100       87     2248 SH       OTHER                  2248        0        0
MARATHON OIL CORP COM*         COMMON STOCK     565849106      351    12187 SH       DEFINED               11987        0      200
MARATHON OIL CORP COM*         COMMON STOCK     565849106      418    14500 SH       OTHER                 14500        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102      764     6779 SH       DEFINED                6779        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102       91      810 SH       OTHER                   810        0        0
MARSHALL & ILSLEY CORP COM     COMMON STOCK     571834100     1202    19320 SH       DEFINED               19320        0        0
MASCO CORP COM *               COMMON STOCK     574599106     2160    78685 SH       DEFINED               78555        0      130
MASCO CORP COM *               COMMON STOCK     574599106      454    16539 SH       OTHER                 16539        0        0
MAXIMUS INC COM                COMMON STOCK     577933104     1489    48450 SH       DEFINED               48450        0        0
MBNA CORP COM *                COMMON STOCK     55262L100    12014   311485 SH       DEFINED              310343        0     1142
MBNA CORP COM *                COMMON STOCK     55262L100     1057    27415 SH       OTHER                 22000        0     5415
MCDONALD'S CORP COM *          COMMON STOCK     580135101     1139    41030 SH       DEFINED               38590        0     2440
MCDONALD'S CORP COM *          COMMON STOCK     580135101      236     8500 SH       OTHER                  8500        0        0
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109    20804   304824 SH       DEFINED              296289        0     8535
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109     2432    35630 SH       OTHER                 34963        0      667
MEDTRONIC INC COM *            COMMON STOCK     585055106    14476   320194 SH       DEFINED              309154        0    11040
MEDTRONIC INC COM *            COMMON STOCK     585055106     1490    32968 SH       OTHER                 31368        0     1600
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108     1358    35200 SH       DEFINED               35200        0        0
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108       46     1200 SH       OTHER                  1200        0        0
MERCK & CO INC COM *           COMMON STOCK     589331107     5137    89219 SH       DEFINED               88319        0      900
MERCK & CO INC COM *           COMMON STOCK     589331107     1655    28735 SH       OTHER                 27135        0     1600
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108       96     1740 SH       DEFINED                1740        0        0
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      390     7050 SH       OTHER                  7050        0        0
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      664     9698 SH       DEFINED                9698        0        0
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    24943   413588 SH       DEFINED              404635        0     8953
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     2544    42182 SH       OTHER                 31432     1000     9750
MID ATLANTIC MED SVCS INC COM  COMMON STOCK     59523C107     1833    64300 SH       DEFINED               64300        0        0
MILLIPORE CORP COM *           COMMON STOCK     601073109      513    11586 SH       DEFINED               11546        0       40
MILLIPORE CORP COM *           COMMON STOCK     601073109      341     7712 SH       OTHER                  2312       55     5345
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105    16336   142041 SH       DEFINED              138791        0     3250
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     2516    21877 SH       OTHER                 13577     5800     2500
MIRANT CORP COM                COMMON STOCK     604675108      162    11213 SH       DEFINED               11213        0        0
MOBILE MINI INC COM            COMMON STOCK     60740F105     1339    41600 SH       DEFINED               41600        0        0
MOLEX INC COM*                 COMMON STOCK     608554101      951    27442 SH       DEFINED               27442        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448    14025   244730 SH       DEFINED              244666        0       64
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448      238     4148 SH       OTHER                  4148        0        0
MOTOROLA INC COM               COMMON STOCK     620076109      354    24947 SH       DEFINED               24451        0      496
MOTOROLA INC COM               COMMON STOCK     620076109       83     5825 SH       OTHER                  3125     2700        0
MSC SOFTWARE CORP COM          COMMON STOCK     553531104     2555   111100 SH       DEFINED              111100        0        0
NASDAQ 100 SHARES              COMMON STOCK     631100104      264     7332 SH       DEFINED                5443        0     1889
NASDAQ 100 SHARES              COMMON STOCK     631100104      112     3105 SH       OTHER                  3105        0        0
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101     1820    71850 SH       DEFINED               71500        0      350
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106     1488    74200 SH       DEFINED               73100        0     1100
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106       50     2500 SH       OTHER                  2500        0        0
NEWELL RUBBERMAID INC COM*     COMMON STOCK     651229106    12488   390749 SH       DEFINED              379099        0    11650
NEWELL RUBBERMAID INC COM*     COMMON STOCK     651229106      724    22642 SH       OTHER                 16476     4728     1438
NEWMONT MINING CORP COM        COMMON STOCK     651639106      227     8194 SH       DEFINED                8194        0        0
NICOR INC COM *                COMMON STOCK     654086107     1563    34310 SH       DEFINED               34310        0        0
NICOR INC COM *                COMMON STOCK     654086107      460    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      390    17007 SH       OTHER                     0        0    17007
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104    13941   356916 SH       DEFINED              356916        0        0
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104      164     4196 SH       OTHER                  4196        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109     1055    25500 SH       DEFINED               25500        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109       21      500 SH       OTHER                   500        0        0
NORTHEAST UTILITIES COM        COMMON STOCK     664397106      459    23100 SH       DEFINED               23100        0        0
OMNICOM GROUP COM *            COMMON STOCK     681919106    16380   173516 SH       DEFINED              171591        0     1925
OMNICOM GROUP COM *            COMMON STOCK     681919106     2090    22143 SH       OTHER                 22143        0        0
OPEN TEXT CORPORATION COM      COMMON STOCK     683715106      209     8360 SH       DEFINED                8360        0        0
ORACLE CORPORATION*            COMMON STOCK     68389X105     4073   318216 SH       DEFINED              300466        0    17750
ORACLE CORPORATION*            COMMON STOCK     68389X105      595    46510 SH       OTHER                 39510        0     7000
PARK PLACE ENTERTAINMENT CORP  COMMON STOCK     700690100      121    11500 SH       DEFINED               11500        0        0
PATTERSON-UTI ENERGY INC COM   COMMON STOCK     703481101     2055    69100 SH       DEFINED               69100        0        0
PEPSICO INC COM*               COMMON STOCK     713448108    13460   261358 SH       DEFINED              253338        0     8020
PEPSICO INC COM*               COMMON STOCK     713448108     2945    57177 SH       OTHER                 35812     7740    13625
PERICOM SEMICONDUCTOR CORP COM COMMON STOCK     713831105     1065    75300 SH       DEFINED               75300        0        0
PETSMART INC COM               COMMON STOCK     716768106      219    16158 SH       DEFINED               16158        0        0
PFIZER INC COM *               COMMON STOCK     717081103    27467   691157 SH       DEFINED              681425        0     9732
PFIZER INC COM *               COMMON STOCK     717081103     6324   159143 SH       OTHER                134565    16128     8450
PHARMACIA CORP COM*            COMMON STOCK     71713U102     3501    77664 SH       DEFINED               76489        0     1175
PHARMACIA CORP COM*            COMMON STOCK     71713U102      374     8291 SH       OTHER                  4791     2500     1000
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107    13828   262542 SH       DEFINED              261642        0      900
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107      822    15600 SH       OTHER                 15100      500        0
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106      599     9540 SH       DEFINED                9240        0      300
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       25      400 SH       OTHER                   400        0        0
PHOENIX COMPANIES              COMMON STOCK     71902E109      513    26718 SH       DEFINED               26718        0        0
PHOENIX COMPANIES              COMMON STOCK     71902E109       29     1499 SH       OTHER                  1499        0        0
PHOTRONICS INC COM             COMMON STOCK     719405102     1616    47900 SH       DEFINED               47900        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107     1510    67742 SH       DEFINED               67742        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107       11      502 SH       OTHER                   502        0        0
PITNEY BOWES INC COM *         COMMON STOCK     724479100     2117    49474 SH       DEFINED               49474        0        0
PLEXUS CORP COM                COMMON STOCK     729132100     1180    50000 SH       DEFINED               50000        0        0
PLUM CREEK TIMBER CO INC COM   COMMON STOCK     729251108     1970    66300 SH       DEFINED               66300        0        0
PLUM CREEK TIMBER CO INC COM   COMMON STOCK     729251108       59     2000 SH       OTHER                     0      600     1400
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      387     6300 SH       DEFINED                6300        0        0
POLYCOM INC COM                COMMON STOCK     73172K104     2676   108800 SH       DEFINED              108800        0        0
PRINCIPAL FINANCIAL GROUP COM  COMMON STOCK     74251V102      320    12645 SH       DEFINED               12645        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109    11481   127441 SH       DEFINED              126811        0      630
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     1602    17778 SH       OTHER                 17578        0      200
PROGRESS SOFTWARE CORP COM     COMMON STOCK     743312100      436    24036 SH       DEFINED               24036        0        0
PROLOGIS TRUST INC COM         COMMON STOCK     743410102     5033   215563 SH       DEFINED              215563        0        0
PROLOGIS TRUST INC COM         COMMON STOCK     743410102       66     2838 SH       OTHER                  2838        0        0
PRUDENTIAL FINANCIAL INC COM   COMMON STOCK     744320102     4629   149088 SH       DEFINED              149046        0       42
PRUDENTIAL FINANCIAL INC COM   COMMON STOCK     744320102       42     1340 SH       OTHER                  1340        0        0
QUALCOMM INC COM               COMMON STOCK     747525103      242     6432 SH       DEFINED                6324        0      108
QUALCOMM INC COM               COMMON STOCK     747525103        8      200 SH       OTHER                   190        0       10
RADIOSHACK CORP COM            COMMON STOCK     750438103      604    20104 SH       DEFINED               20104        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103        6      200 SH       OTHER                   200        0        0
RAYTHEON CO COM NEW*           COMMON STOCK     755111507     1684    41017 SH       DEFINED               41017        0        0
RAYTHEON CO COM NEW*           COMMON STOCK     755111507       12      293 SH       OTHER                   293        0        0
REEBOK INTERNATIONAL LIMITED C COMMON STOCK     758110100     1389    51400 SH       DEFINED               51400        0        0
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108     2406    93301 SH       DEFINED               91351        0     1950
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108       63     2450 SH       OTHER                  2450        0        0
ROCKWELL AUTOMATION INC COM*   COMMON STOCK     773903109      999    49807 SH       DEFINED               49807        0        0
ROCKWELL COLLINS INC COM       COMMON STOCK     774341101      555    22000 SH       DEFINED               22000        0        0
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100      969    20750 SH       DEFINED               20750        0        0
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100       70     1500 SH       OTHER                  1500        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208    14960   332297 SH       DEFINED              331697        0      600
SAFEWAY INC COM NEW *          COMMON STOCK     786514208     2018    44825 SH       OTHER                 43705        0     1120
SANMINA SCI CORP COM*          COMMON STOCK     800907107      656    55834 SH       DEFINED               55290        0      544
SARA LEE CORP COM *            COMMON STOCK     803111103     2742   132062 SH       DEFINED              131902        0      160
SARA LEE CORP COM *            COMMON STOCK     803111103     1134    54609 SH       OTHER                 52319        0     2290
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    20887   557876 SH       DEFINED              553347        0     4529
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     3516    93912 SH       OTHER                 78972      105    14835
SCANA CORP COM NEW             COMMON STOCK     80589M102     7946   259661 SH       DEFINED              259481        0      180
SCANA CORP COM NEW             COMMON STOCK     80589M102      117     3822 SH       OTHER                  3822        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101     3451   110241 SH       DEFINED              108581        0     1660
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101      677    21630 SH       OTHER                 16830        0     4800
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     9767   166052 SH       DEFINED              158982        0     7070
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     1611    27390 SH       OTHER                 25190        0     2200
SCHOLASTIC CORP                COMMON STOCK     807066105      392     7238 SH       DEFINED                7238        0        0
SCHWAB CHARLES CORP NEW COM*   COMMON STOCK     808513105     9719   742453 SH       DEFINED              721263        0    21190
SCHWAB CHARLES CORP NEW COM*   COMMON STOCK     808513105      655    50012 SH       OTHER                 46164        0     3848
SEALED AIR CORP NEW COM        COMMON STOCK     81211K100      259     5497 SH       DEFINED                5497        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      504     9828 SH       DEFINED                9828        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108       97     1900 SH       OTHER                  1900        0        0
SEEBEYOND TECHNOLOGY CORP COM  COMMON STOCK     815704101       77    10000 SH       DEFINED               10000        0        0
SEI INVESTMENTS CO COM*        COMMON STOCK     784117103    15757   368074 SH       DEFINED              358374        0     9700
SEI INVESTMENTS CO COM*        COMMON STOCK     784117103     1254    29281 SH       OTHER                 29281        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109      531    21113 SH       DEFINED               20813      300        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       25     1000 SH       OTHER                   800        0      200
SHAW GROUP INC COM*            COMMON STOCK     820280105     3760   136728 SH       DEFINED              136728        0        0
SHAW GROUP INC COM*            COMMON STOCK     820280105      155     5626 SH       OTHER                  5626        0        0
SHUFFLE MASTER INC COM         COMMON STOCK     825549108     1678    81200 SH       DEFINED               81200        0        0
SIEBEL SYSTEMS INC COM*        COMMON STOCK     826170102     9872   302715 SH       DEFINED              290715        0    12000
SIEBEL SYSTEMS INC COM*        COMMON STOCK     826170102     1055    32360 SH       OTHER                 32150        0      210
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101       19      400 SH       DEFINED                 400        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101      188     4000 SH       OTHER                  4000        0        0
SILICON VALLEY BANCSHARES      COMMON STOCK     827064106     1143    37800 SH       DEFINED               37800        0        0
SILVERSTAR HOLDINGS LTD ORD    COMMON STOCK     G81365101        5    10000 SH       DEFINED               10000        0        0
SKYWEST INC COM                COMMON STOCK     830879102     2368    95000 SH       DEFINED               95000        0        0
SL GREEN REALTY CORP           COMMON STOCK     78440X101     1515    45100 SH       DEFINED               45100        0        0
SMITH INTERNATIONAL INC COM    COMMON STOCK     832110100     1462    21583 SH       DEFINED               21583        0        0
SOUTHERN CO COM                COMMON STOCK     842587107      333    12583 SH       DEFINED               12583        0        0
SOUTHERN CO COM                COMMON STOCK     842587107       31     1158 SH       OTHER                  1158        0        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     5721   295661 SH       DEFINED              290731        0     4930
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     2608   134774 SH       OTHER                130334        0     4440
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     6088   243508 SH       DEFINED              243508        0        0
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102      153     6121 SH       OTHER                  6121        0        0
STAPLES INC COM*               COMMON STOCK     855030102     1847    92500 SH       DEFINED               91750        0      750
STAPLES INC COM*               COMMON STOCK     855030102      248    12420 SH       OTHER                 12420        0        0
STATE STREET CORP*             COMMON STOCK     857477103      454     8191 SH       DEFINED                8191        0        0
STEEL DYNAMICS INC COM         COMMON STOCK     858119100      597    36400 SH       DEFINED               36400        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      890    66640 SH       DEFINED               62140        0     4500
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      334    25000 SH       OTHER                 25000        0        0
STEWART INFORMATION SERVICES C COMMON STOCK     860372101      870    43500 SH       DEFINED               43500        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      298     4937 SH       DEFINED                4937        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      320     5300 SH       OTHER                  5300        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104     1327   150467 SH       DEFINED              150467        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      197    22330 SH       OTHER                 21810        0      520
SUNTRUST BANKS INC COM         COMMON STOCK     867914103      271     4062 SH       DEFINED                4062        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103        7      100 SH       OTHER                   100        0        0
SUPERIOR INDUSTRIES INTL INC C COMMON STOCK     868168105     1459    29900 SH       DEFINED               29900        0        0
SWIFT TRANSPORTATION INC COM   COMMON STOCK     870756103     1403    64000 SH       DEFINED               64000        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101     2333    82600 SH       DEFINED               82600        0        0
SYMANTEC CORP COM*             COMMON STOCK     871503108    14387   349115 SH       DEFINED              343985        0     5130
SYMANTEC CORP COM*             COMMON STOCK     871503108      605    14682 SH       OTHER                 14212        0      470
SYNTROLEUM CORP COM            COMMON STOCK     871630109      179    30000 SH       DEFINED               30000        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     4936   165522 SH       DEFINED              165522        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     2153    72200 SH       OTHER                 72200        0        0
TALBOTS INC COM*               COMMON STOCK     874161102     1454    41067 SH       DEFINED               41067        0        0
TALBOTS INC COM*               COMMON STOCK     874161102       48     1365 SH       OTHER                  1365        0        0
TARGET CORP COM *              COMMON STOCK     87612E106      471    10918 SH       DEFINED               10558        0      360
TARGET CORP COM *              COMMON STOCK     87612E106      420     9750 SH       OTHER                  9750        0        0
TCF FINANCIAL CORP COM         COMMON STOCK     872275102     1399    26600 SH       DEFINED               26600        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    35195   620505 SH       DEFINED              620505        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107       61     1080 SH       OTHER                     0     1080        0
TESORO PETROLEUM CORP COM      COMMON STOCK     881609101      350    24930 SH       DEFINED               24930        0        0
TETRA TECHNOLOGIES INC DEL COM COMMON STOCK     88162F105     1955    67300 SH       DEFINED               67300        0        0
TEXAS INDUSTRIES INC COM       COMMON STOCK     882491103      655    15900 SH       DEFINED               15900        0        0
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104    22326   674505 SH       DEFINED              663100        0    11405
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104     1287    38871 SH       OTHER                 35111       50     3710
TEXTRON INC COM *              COMMON STOCK     883203101     1725    33752 SH       DEFINED               33752        0        0
TEXTRON INC COM *              COMMON STOCK     883203101      267     5219 SH       OTHER                  1619     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105     1217    20500 SH       DEFINED               20500        0        0
TIFFANY & CO NEW COM*          COMMON STOCK     886547108     1479    41600 SH       DEFINED               41600        0        0
TIMKEN CO COM                  COMMON STOCK     887389104     1750    75780 SH       DEFINED               75780        0        0
TRACTOR SUPPLY CO COM          COMMON STOCK     892356106     4651   101100 SH       DEFINED              101100        0        0
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109     1088    31660 SH       DEFINED               31500        0      160
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107      178     3028 SH       DEFINED                3028        0        0
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107      115     1964 SH       OTHER                  1364      360      240
TRIUMPH GROUP INC COM          COMMON STOCK     896818101     1666    42500 SH       DEFINED               42500        0        0
TXU CORP COM *                 COMMON STOCK     873168108     8435   154743 SH       DEFINED              154443        0      300
TXU CORP COM *                 COMMON STOCK     873168108      512     9387 SH       OTHER                  8187      500      700
TYCO INTL LTD NEW COM          COMMON STOCK     902124106      165     5093 SH       DEFINED                5093        0        0
TYCO INTL LTD NEW COM          COMMON STOCK     902124106      191     5922 SH       OTHER                   650        0     5272
UNITED PARCEL SERVICE CLASS B  COMMON STOCK     911312106      479     7878 SH       DEFINED                7878        0        0
UNITED TECHNOLOGIES CORP COM*  COMMON STOCK     913017109       72      964 SH       DEFINED                 464        0      500
UNITED TECHNOLOGIES CORP COM*  COMMON STOCK     913017109      336     4524 SH       OTHER                  3500     1024        0
UNOCAL CORP COM *              COMMON STOCK     915289102     1788    45900 SH       DEFINED               45900        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      129     3300 SH       OTHER                  3300        0        0
US BANCORP DEL COM NEW         COMMON STOCK     902973304      245    10861 SH       DEFINED               10861        0        0
US BANCORP DEL COM NEW         COMMON STOCK     902973304       59     2600 SH       OTHER                  2600        0        0
USA EDUCATION INC              COMMON STOCK     90390U102      460     4700 SH       DEFINED                4700        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100     4818   135951 SH       DEFINED              135797        0      154
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      579    16346 SH       OTHER                  5596        0    10750
UST INC COM                    COMMON STOCK     902911106      553    14200 SH       DEFINED               13200        0     1000
VALERO ENERGY CORP NEW COM*    COMMON STOCK     91913Y100      550    11110 SH       DEFINED                9999        0     1111
VALERO ENERGY CORP NEW COM*    COMMON STOCK     91913Y100       25      500 SH       OTHER                   500        0        0
VARCO INTL INC DEL COM         COMMON STOCK     922122106      792    39388 SH       DEFINED               39388        0        0
VARI-LITE INTERNATIONAL INC CO COMMON STOCK     922152103     1059   623058 SH       DEFINED              623058        0        0
VARIAN INC COM                 COMMON STOCK     922206107     2728    71900 SH       DEFINED               71900        0        0
VARIAN MEDICAL SYSTEMS INC COM COMMON STOCK     92220P105     1628    39800 SH       DEFINED               39800        0        0
VENTAS INC COM                 COMMON STOCK     92276F100     5032   397802 SH       DEFINED              397802        0        0
VENTAS INC COM                 COMMON STOCK     92276F100       22     1776 SH       OTHER                  1776        0        0
VERITAS SOFTWARE CORP COM*     COMMON STOCK     923436109     7726   176275 SH       DEFINED              175915        0      360
VERITAS SOFTWARE CORP COM*     COMMON STOCK     923436109      596    13597 SH       OTHER                 12947        0      650
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104    15611   338624 SH       DEFINED              337375        0     1249
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104     1455    31559 SH       OTHER                 30359        0     1200
VIACOM INC CLASS B COM         COMMON STOCK     925524308      151     3123 SH       DEFINED                3123        0        0
VIACOM INC CLASS B COM         COMMON STOCK     925524308       67     1380 SH       OTHER                  1380        0        0
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108      565    27762 SH       DEFINED               27762        0        0
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108      235    11555 SH       OTHER                 11555        0        0
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059100     2307    75700 SH       DEFINED               75700        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    19398   316448 SH       DEFINED              311648        0     4800
WAL MART STORES INC COM *      COMMON STOCK     931142103     3100    50568 SH       OTHER                 43213      100     7255
WALGREEN CO COM*               COMMON STOCK     931422109      493    12572 SH       DEFINED               11750        0      822
WALGREEN CO COM*               COMMON STOCK     931422109        8      200 SH       OTHER                   200        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109     7526   314362 SH       DEFINED              314362        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109      104     4329 SH       OTHER                  4329        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      480    14480 SH       DEFINED               14480        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      121     3664 SH       OTHER                  3664        0        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109      450    16500 SH       DEFINED               16500        0        0
WAUSAU-MOSINEE PAPER CORP COM  COMMON STOCK     943315101      387    30293 SH       DEFINED               30293        0        0
WEATHERFORD INTERNATIONAL INC  COMMON STOCK     947074100     1429    30000 SH       DEFINED               30000        0        0
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101    21415   433505 SH       DEFINED              423805        0     9700
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     1687    34143 SH       OTHER                 30143     4000        0
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109      549    15700 SH       DEFINED               15700        0        0
WHIRLPOOL CORP COM             COMMON STOCK     963320106     1375    18200 SH       DEFINED               18200        0        0
WHOLE FOODS MARKET INC COM     COMMON STOCK     966837106     1599    35000 SH       DEFINED               35000        0        0
WILLBROS GROUP INC COM         COMMON STOCK     969199108      840    50300 SH       DEFINED               50300        0        0
WILLIAMS COS COM *             COMMON STOCK     969457100     3984   169084 SH       DEFINED              167584        0     1500
WILLIAMS COS COM *             COMMON STOCK     969457100     1329    56408 SH       OTHER                 56408        0        0
WILLIAMS SONOMA INC COM*       COMMON STOCK     969904101     1058    23000 SH       DEFINED               23000        0        0
WORTHINGTON INDS INC COM (OHIO COMMON STOCK     981811102      699    45500 SH       DEFINED               45500        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      120     2245 SH       DEFINED                2245        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      160     3000 SH       OTHER                     0        0     3000
WYETH COM STOCK*               COMMON STOCK     983024100    23571   359033 SH       DEFINED              358733        0      300
WYETH COM STOCK*               COMMON STOCK     983024100     2491    37941 SH       OTHER                 27741     9600      600
XCEL ENERGY INC *              COMMON STOCK     98389B100    14005   552477 SH       DEFINED              552285        0      192
XCEL ENERGY INC *              COMMON STOCK     98389B100      337    13312 SH       OTHER                 13312        0        0
XTO ENERGY INC COM             COMMON STOCK     98385X106     1630    81287 SH       DEFINED               81287        0        0
ZIMMER HLDGS INC*              COMMON STOCK     98956P102      240     7041 SH       DEFINED                6871        0      170
ZIMMER HLDGS INC*              COMMON STOCK     98956P102       41     1190 SH       OTHER                  1190        0        0
ZOLL MEDICAL CORPORATION COM   COMMON STOCK     989922109     1690    44000 SH       DEFINED               44000        0        0
AGRIUM INC COM                 COMMON STOCK     008916108     7533   716070 SH       DEFINED              716070        0        0
AGRIUM INC COM                 COMMON STOCK     008916108       79     7527 SH       OTHER                  7527        0        0
BIOVAIL CORPORATION COM*       COMMON STOCK     09067J109     6428   128613 SH       DEFINED              128583        0       30
BIOVAIL CORPORATION COM*       COMMON STOCK     09067J109      320     6397 SH       OTHER                  6397        0        0
BP PLC SPONSORED ADR *         COMMON STOCK     055622104    15327   288646 SH       DEFINED              282142        0     6504
BP PLC SPONSORED ADR *         COMMON STOCK     055622104     3558    67002 SH       OTHER                 54089     8717     4196
BT GROUP PLC ADR               COMMON STOCK     05577E101      234     5815 SH       DEFINED                5815        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102     3145    62952 SH       DEFINED               62952        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       37      733 SH       OTHER                   733        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101      956    29026 SH       DEFINED               29026        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101        8      240 SH       OTHER                   240        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103       53    16000 SH       DEFINED               16000        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      289    19376 SH       DEFINED               19376        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      392     5439 SH       DEFINED                5439        0        0
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302    11220   413397 SH       DEFINED              413397        0        0
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302      127     4697 SH       OTHER                  4697        0        0
FAIRMONT HOTELS RESORTS INC CO COMMON STOCK     305204109     2697    95300 SH       DEFINED               95300        0        0
GARMIN LTD                     COMMON STOCK     G37260109     1394    60800 SH       DEFINED               60800        0        0
GLAXOSMITHKLINE PLC ADR        COMMON STOCK     37733W105      647    13758 SH       DEFINED               13458        0      300
HITACHI LTD ADR                COMMON STOCK     433578507      204     2779 SH       DEFINED                2779        0        0
IMPERIAL TOBACCO GROUP PLC ADR COMMON STOCK     453142101      274     8200 SH       DEFINED                8200        0        0
KONINKLIJKE PHILIPS ELECTRS N  COMMON STOCK     500472303      390    12921 SH       DEFINED               12921        0        0
KOREA ELECTRIC POWER CORP SPON COMMON STOCK     500631106      172    16338 SH       DEFINED               16338        0        0
MANULIFE FINANCIAL CORP COM    COMMON STOCK     56501R106      605    22049 SH       DEFINED               22049        0        0
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204    12210   588725 SH       DEFINED              583895        0     4830
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204     1307    63031 SH       OTHER                 47796        0    15235
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605    11440   238791 SH       DEFINED              238540        0      251
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605      154     3215 SH       OTHER                  3098      117        0
PANCANADIAN ENERGY CORP COM    COMMON STOCK     69831A107      266     8960 SH       DEFINED                8960        0        0
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207     6693   252393 SH       DEFINED              252322        0       71
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207      114     4291 SH       OTHER                  4291        0        0
PETROLEO BRASILEIRO SA PETROBR COMMON STOCK     71654V408      231     8723 SH       DEFINED                8723        0        0
PORTUGAL TELECOM SGPS S A      COMMON STOCK     737273102      212    28793 SH       DEFINED               28793        0        0
REPSOL YPF S.A. SPONSORED ADR  COMMON STOCK     76026T205      145    11387 SH       DEFINED               11387        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     2904    53467 SH       DEFINED               53467        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      281     5170 SH       OTHER                  4370        0      800
SAN PAOLO-IMI S P A SPONSORED  COMMON STOCK     799175104      242    10266 SH       DEFINED               10266        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705     1373    67118 SH       DEFINED               67118        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705       29     1433 SH       OTHER                  1305        0      128
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609      332     7497 SH       DEFINED                7497        0        0
SMARTFORCE PUB LTD CO SP ADR   COMMON STOCK     83170A206      742    70700 SH       DEFINED               70700        0        0
STORA ENSO CORP SPN ADR SER R  COMMON STOCK     86210M106      149    11587 SH       DEFINED               11587        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      292     7000 SH       OTHER                  7000        0        0
TELECOM ITALIA SPA             COMMON STOCK     87927W106      246     3008 SH       DEFINED                3008        0        0
TELEFONOS DE MEXICO SP ADR     COMMON STOCK     879403780      258     6397 SH       DEFINED                6397        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209     1378    25200 SH       DEFINED               25200        0        0
TOTAL FINA ELF S A SPONSORED A COMMON STOCK     89151E109      390     5089 SH       DEFINED                5089        0        0
TRANSOCEAN SEDCO FOREX INC *   COMMON STOCK     G90078109     6456   194272 SH       DEFINED              194195        0       77
TRANSOCEAN SEDCO FOREX INC *   COMMON STOCK     G90078109      357    10731 SH       OTHER                 10306        0      425
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      393     6927 SH       DEFINED                6927        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      101     1784 SH       OTHER                  1784        0        0
VAN DER MOOLEN HOLDING-ADR     COMMON STOCK     921020103     1276    43300 SH       DEFINED               43300        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857W100      337    18283 SH       DEFINED               17033        0     1250
VODAFONE GROUP PLC             COMMON STOCK     92857W100       74     4000 SH       OTHER                  4000        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105     4300    46058 SH       DEFINED               46058        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105       41      441 SH       OTHER                   441        0        0
EL PASO ENERGY CAP I 4.75% CON PREFERRED STOCK  283678209      695    12300 SH       DEFINED             N.A.     N.A.     N.A.
WENDYS FINANCING I 5.0% A CONV PREFERRED STOCK  950588202      544     8100 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS INCOME INC OTHER            264324104       81     7164 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS INCOME INC OTHER            264324104       43     3800 SH       OTHER               N.A.     N.A.     N.A.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703        6       60 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703      551     5100 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY INDIA INVESTMEN OTHER            61745C105      185    18500 SH       DEFINED             N.A.     N.A.     N.A.
MUNIHOLDINGS INSURED FUND INC  OTHER            625930102      123    10000 SH       DEFINED             N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP COM       OTHER            895436103      250    12940 SH       DEFINED             N.A.     N.A.     N.A.
ACM INCOME FUND INC COM        OTHER            000912105       77    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       30     4060 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST INC COM OTHER            09247F100       55     7500 SH       OTHER               N.A.     N.A.     N.A.
HIGH INCOME OPPORTUNITY FUND,  OTHER            42967Q105       83    10939 SH       DEFINED             N.A.     N.A.     N.A.
PACHOLDER HIGH YIELD FUND INC  OTHER            693742108      167    17767 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND INC COM OTHER            62630E107      140    10311 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND INC COM OTHER            62630E107       27     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103      329    22529 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100      276    29898 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108      209    15100 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 2 IN OTHER            67063W102      170    12030 SH       DEFINED             N.A.     N.A.     N.A.
BUCKEYE PARTNERS L P UNIT      OTHER            118230101     1349    33818 SH       DEFINED               33818        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101       72     1800 SH       OTHER                     0     1200      600
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106        7      200 SH       DEFINED                 200        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106      208     6300 SH       OTHER                  4000        0     2300
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      306    12507 SH       DEFINED               12507        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      122     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105      157    13200 SH       DEFINED               13200        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       20     1650 SH       OTHER                     0     1650        0
TEPPCO PARTNERS L P UNIT LTD P OTHER            872384102      172     5500 SH       DEFINED                5500        0        0
TEPPCO PARTNERS L P UNIT LTD P OTHER            872384102       28      900 SH       OTHER                     0        0      900