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

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/30/02

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          11/5/02


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:    638

FORM 13F INFORMATION TABLE VALUE TOTAL:           $1,449,134



                                                                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     1217   101354 SH       DEFINED              101154        0      200
A T & T CORP COM *             COMMON STOCK     001957109      169    14103 SH       OTHER                  9645     4458        0
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     3824    94642 SH       DEFINED               91242        0     3400
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     1841    45570 SH       OTHER                 18370    20800     6400
ABERCROMBIE & FITCH CO CLASS A COMMON STOCK     002896207     1044    53100 SH       DEFINED               53100        0        0
AFLAC INC COM *                COMMON STOCK     001055102      692    22532 SH       DEFINED               22532        0        0
AFLAC INC COM *                COMMON STOCK     001055102      195     6350 SH       OTHER                  6350        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      417     9937 SH       DEFINED                9937        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      523    12450 SH       OTHER                 12450        0        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104      243    10052 SH       DEFINED               10052        0        0
ALCOA INC COM*                 COMMON STOCK     013817101    13309   689609 SH       DEFINED              671800        0    17809
ALCOA INC COM*                 COMMON STOCK     013817101     1049    54378 SH       OTHER                 46658        0     7720
ALEXANDRIA REAL ESTATE EQUITIE COMMON STOCK     015271109     1521    35800 SH       DEFINED               35800        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106      124     9445 SH       DEFINED                9445        0        0
ALLEGHENY ENERGY INC COM       COMMON STOCK     017361106       18     1400 SH       OTHER                   400     1000        0
ALLIED CAPITAL CORP NEW COM*   COMMON STOCK     01903Q108     1935    88391 SH       DEFINED               88391        0        0
ALLIED WASTE INDUSTRIES INC CO COMMON STOCK     019589308      397    54000 SH       DEFINED               54000        0        0
ALLIED WASTE INDUSTRIES INC CO COMMON STOCK     019589308       24     3200 SH       OTHER                     0        0     3200
ALLSTATE CORP COM              COMMON STOCK     020002101      444    12496 SH       DEFINED               11096        0     1400
ALLSTATE CORP COM              COMMON STOCK     020002101       91     2546 SH       OTHER                  2546        0        0
ALLTEL CORP COM *              COMMON STOCK     020039103    47592  1185949 SH       DEFINED             1172574        0    13375
ALLTEL CORP COM *              COMMON STOCK     020039103     2506    62455 SH       OTHER                 62455        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101     2101    73689 SH       DEFINED               73689        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      187     6546 SH       OTHER                  6546        0        0
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     7676   246185 SH       DEFINED              236485        0     9700
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109      889    28510 SH       OTHER                 28110        0      400
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     2347    42910 SH       DEFINED               41362        0     1548
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     1689    30877 SH       OTHER                 26531     2882     1464
AMERICAN NATIONAL INSURANCE CO COMMON STOCK     028591105      293     4252 SH       DEFINED                  25        0     4227
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107       88     9160 SH       DEFINED                9160        0        0
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107        8      870 SH       OTHER                   870        0        0
AMERIGROUP CORPORATION COM     COMMON STOCK     03073T102     1770    52750 SH       DEFINED               52750        0        0
AMGEN INC COM *                COMMON STOCK     031162100      453    10866 SH       DEFINED               10866        0        0
AMGEN INC COM *                COMMON STOCK     031162100      442    10600 SH       OTHER                  6000        0     4600
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      182     8756 SH       DEFINED                   0        0     8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      102     4920 SH       OTHER                  4920        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107     9780   219582 SH       DEFINED              219582        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107       84     1888 SH       OTHER                  1788        0      100
ANALOG DEVICES INC COM*        COMMON STOCK     032654105      705    35774 SH       DEFINED               35774        0        0
ANALOG DEVICES INC COM*        COMMON STOCK     032654105        9      470 SH       OTHER                   470        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103     8519   168356 SH       DEFINED              168206        0      150
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103      441     8715 SH       OTHER                  8415        0      300
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105    43519  3719604 SH       DEFINED             3718054        0     1550
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105      379    32415 SH       OTHER                 14315    14400     3700
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105      135    11653 SH       DEFINED               11605        0       48
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105       29     2485 SH       OTHER                   987     1298      200
ARCHSTONE-SMITH TR REIT COM*   COMMON STOCK     039583109     2281    95515 SH       DEFINED               93625        0     1890
ARCHSTONE-SMITH TR REIT COM*   COMMON STOCK     039583109      621    26004 SH       OTHER                 26004        0        0
ARMOR HOLDINGS INC COM         COMMON STOCK     042260109     1096    73100 SH       DEFINED               73100        0        0
AT & T WIRELESS SERVICES INC C COMMON STOCK     00209A106      191    46300 SH       DEFINED               45781        0      519
AT & T WIRELESS SERVICES INC C COMMON STOCK     00209A106       26     6430 SH       OTHER                  3998     1432     1000
AUTODESK INC COM               COMMON STOCK     052769106     1164    91900 SH       DEFINED               91900        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      378    10865 SH       DEFINED               10865        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103       56     1600 SH       OTHER                  1600        0        0
AVERY DENNISON CORP COM *      COMMON STOCK     053611109    14220   249557 SH       DEFINED              244237        0     5320
AVERY DENNISON CORP COM *      COMMON STOCK     053611109     1330    23343 SH       OTHER                 20473       70     2800
AVNET INC COM                  COMMON STOCK     053807103     2187   202723 SH       DEFINED              202723        0        0
AVNET INC COM                  COMMON STOCK     053807103       19     1806 SH       OTHER                  1806        0        0
AVX CORP COM                   COMMON STOCK     002444107      793    91616 SH       DEFINED               91616        0        0
AVX CORP COM                   COMMON STOCK     002444107       12     1350 SH       OTHER                  1350        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107      952    32780 SH       DEFINED               32780        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107      120     4149 SH       OTHER                  4149        0        0
BALL CORP COM                  COMMON STOCK     058498106      202     4000 SH       OTHER                     0     4000        0
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104     2094    32821 SH       DEFINED               32821        0        0
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104       62      978 SH       OTHER                   978        0        0
BANK OF HAWAII CORP COM        COMMON STOCK     062540109     1512    54200 SH       DEFINED               54200        0        0
BANK OF NEW YORK INC COM*      COMMON STOCK     064057102      216     7519 SH       DEFINED                7519        0        0
BANK ONE CORP COM*             COMMON STOCK     06423A103      737    19709 SH       DEFINED                8938        0    10771
BANK ONE CORP COM*             COMMON STOCK     06423A103       37     1000 SH       OTHER                  1000        0        0
BANKNORTH GROUP INC            COMMON STOCK     06646R107     4397   185126 SH       DEFINED              185126        0        0
BANKNORTH GROUP INC            COMMON STOCK     06646R107       73     3079 SH       OTHER                  3079        0        0
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109    13375   437813 SH       DEFINED              427836        0     9977
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109      972    31831 SH       OTHER                 27968       60     3803
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109      259     9124 SH       DEFINED                9124        0        0
BELLSOUTH CORP COM *           COMMON STOCK     079860102     9323   507786 SH       DEFINED              506316        0     1470
BELLSOUTH CORP COM *           COMMON STOCK     079860102      468    25497 SH       OTHER                 25497        0        0
BEMIS INC COM*                 COMMON STOCK     081437105       10      200 SH       DEFINED                 200        0        0
BEMIS INC COM*                 COMMON STOCK     081437105      296     6000 SH       OTHER                     0     6000        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207      247      100 SH       DEFINED                 100        0        0
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207       91       37 SH       OTHER                    37        0        0
BERKSHIRE HATHAWAY INC DEL CL  COMMON STOCK     084670108      222        3 SH       DEFINED                   3        0        0
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101     1252    56121 SH       DEFINED               54354        0     1767
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101      462    20697 SH       OTHER                 16197        0     4500
BLYTH INC. COM                 COMMON STOCK     09643P108     4928   176630 SH       DEFINED              176592        0       38
BLYTH INC. COM                 COMMON STOCK     09643P108       58     2075 SH       OTHER                  2075        0        0
BOEING CO COM *                COMMON STOCK     097023105      914    26773 SH       DEFINED               26073        0      700
BOEING CO COM *                COMMON STOCK     097023105      380    11127 SH       OTHER                 11127        0        0
BOISE CASCADE CORP COM         COMMON STOCK     097383103      688    30158 SH       DEFINED               30158        0        0
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     3538   148670 SH       DEFINED              146970        0     1700
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108      361    15180 SH       OTHER                 15180        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      438    18294 SH       DEFINED               18294        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      279    11679 SH       OTHER                  9679     2000        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103     7219   188195 SH       DEFINED              188195        0        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103      170     4436 SH       OTHER                  2245      871     1320
CACI INTL INC CL A COM         COMMON STOCK     127190304     2088    58900 SH       DEFINED               58900        0        0
CALIFORNIA PIZZA KITCHEN INC   COMMON STOCK     13054D109     1657    72000 SH       DEFINED               72000        0        0
CALLAWAY GOLF CO COM           COMMON STOCK     131193104      864    83100 SH       DEFINED               83100        0        0
CAPITAL AUTOMOTIVE REIT COM    COMMON STOCK     139733109     4900   196146 SH       DEFINED              196146        0        0
CAPITAL AUTOMOTIVE REIT COM    COMMON STOCK     139733109       21      842 SH       OTHER                   842        0        0
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108    17093   274811 SH       DEFINED              272515        0     2296
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108     1654    26585 SH       OTHER                 26585        0        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      726    28910 SH       DEFINED               28410        0      500
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      171     6800 SH       OTHER                  6800        0        0
CARRIAGE SERVICES INC COM      COMMON STOCK     143905107       30    10000 SH       DEFINED               10000        0        0
CHEESECAKE FACTORY INC COM*    COMMON STOCK     163072101      277     9287 SH       DEFINED                9287        0        0
CHEVRONTEXACO CORP COM*        COMMON STOCK     166764100    18576   268248 SH       DEFINED              261549        0     6699
CHEVRONTEXACO CORP COM*        COMMON STOCK     166764100     2450    35377 SH       OTHER                 28327     3736     3314
CHUBB CORP COM*                COMMON STOCK     171232101    16158   294697 SH       DEFINED              288852        0     5845
CHUBB CORP COM*                COMMON STOCK     171232101     1179    21497 SH       OTHER                 20897        0      600
CIGNA CORP COM                 COMMON STOCK     125509109     6872    97124 SH       DEFINED               97124        0        0
CIGNA CORP COM                 COMMON STOCK     125509109       58      814 SH       OTHER                   814        0        0
CINERGY CORP COM               COMMON STOCK     172474108     7610   242116 SH       DEFINED              242021        0       95
CINERGY CORP COM               COMMON STOCK     172474108       71     2247 SH       OTHER                  2247        0        0
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102     9735   928891 SH       DEFINED              908646        0    20245
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102      650    62008 SH       OTHER                 56843     1800     3365
CITIGROUP INC COM *            COMMON STOCK     172967101     5543   186949 SH       DEFINED              185550        0     1399
CITIGROUP INC COM *            COMMON STOCK     172967101      998    33665 SH       OTHER                 26332     6000     1333
CITY NATIONAL CORP COM         COMMON STOCK     178566105     1614    34500 SH       DEFINED               34500        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     2417    69567 SH       DEFINED               68503        0     1064
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     4687   134868 SH       OTHER                134868        0        0
CLOROX CO COM *                COMMON STOCK     189054109    15839   394200 SH       DEFINED              385592        0     8608
CLOROX CO COM *                COMMON STOCK     189054109     2123    52839 SH       OTHER                 46919      800     5120
COCA COLA CO COM *             COMMON STOCK     191216100     9331   194559 SH       DEFINED              192927        0     1632
COCA COLA CO COM *             COMMON STOCK     191216100     1736    36197 SH       OTHER                 30997        0     5200
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103     2985    55331 SH       DEFINED               55331        0        0
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103      460     8528 SH       OTHER                  6500        0     2028
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      168     6039 SH       DEFINED                6039        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104      266     9579 SH       OTHER                  9579        0        0
COMVERSE TECHNOLOGY INC COM*   COMMON STOCK     205862402      113    16170 SH       DEFINED               16170        0        0
COMVERSE TECHNOLOGY INC COM*   COMMON STOCK     205862402       43     6100 SH       OTHER                  6100        0        0
CONCORD EFS INC COM*           COMMON STOCK     206197105      900    56646 SH       DEFINED               56446        0      200
CONCORD EFS INC COM*           COMMON STOCK     206197105       56     3545 SH       OTHER                  3545        0        0
CONOCOPHILLIPS COM             COMMON STOCK     20825C104      454     9820 SH       DEFINED                9520        0      300
CONOCOPHILLIPS COM             COMMON STOCK     20825C104       76     1635 SH       OTHER                   200     1435        0
CONSOL ENERGY INC COM          COMMON STOCK     20854P109     3011   237846 SH       DEFINED              237846        0        0
CONSOL ENERGY INC COM          COMMON STOCK     20854P109       32     2547 SH       OTHER                  2547        0        0
CONSOLIDATED EDISON INC COM    COMMON STOCK     209115104      386     9592 SH       DEFINED                9592        0        0
COOPER COMPANIES INC COM       COMMON STOCK     216648402     1633    31100 SH       DEFINED               31100        0        0
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105    13996   432362 SH       DEFINED              422407        0     9955
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105      864    26702 SH       OTHER                 26702        0        0
COUNTRYWIDE CREDIT INDS INC CO COMMON STOCK     222372104     2371    50284 SH       DEFINED               49984        0      300
COUNTRYWIDE CREDIT INDS INC CO COMMON STOCK     222372104       21      452 SH       OTHER                   452        0        0
CRESCENT REAL ESTATE EQUITIES  COMMON STOCK     225756105      259    16500 SH       DEFINED               16500        0        0
CRESCENT REAL ESTATE EQUITIES  COMMON STOCK     225756105       57     3600 SH       OTHER                     0        0     3600
CSX CORP COM                   COMMON STOCK     126408103      317    12000 SH       DEFINED               12000        0        0
CSX CORP COM                   COMMON STOCK     126408103       32     1200 SH       OTHER                  1200        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    10491   307203 SH       DEFINED              276776     2101    28326
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     2400    70272 SH       OTHER                 43680        0    26592
CVB FINANCIAL CORP COM         COMMON STOCK     126600105     1413    64400 SH       DEFINED               64400        0        0
DELL COMPUTER CORP COM*        COMMON STOCK     247025109    11052   470091 SH       DEFINED              455190        0    14901
DELL COMPUTER CORP COM*        COMMON STOCK     247025109     1359    57795 SH       OTHER                 43595        0    14200
DELPHI CORPORATION COM         COMMON STOCK     247126105     1533   179328 SH       DEFINED              179259        0       69
DELPHI CORPORATION COM         COMMON STOCK     247126105      752    87908 SH       OTHER                 87908        0        0
DELTA & PINE LAND CO           COMMON STOCK     247357106     1169    62400 SH       DEFINED               62400        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
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106      662    43724 SH       DEFINED               43724        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106      252    16624 SH       OTHER                 10230     6294      100
DNP SELECT INCOME FD INC COM   COMMON STOCK     23325P104       71     7164 SH       DEFINED                7164        0        0
DNP SELECT INCOME FD INC COM   COMMON STOCK     23325P104       38     3800 SH       OTHER                     0        0     3800
DOLLAR GENERAL CORP COM        COMMON STOCK     256669102      136    10120 SH       DEFINED               10120        0        0
DOLLAR TREE STORES INC COM     COMMON STOCK     256747106      215     9774 SH       DEFINED                9774        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103    17911   655836 SH       DEFINED              642076        0    13760
DOW CHEMICAL CO COM *          COMMON STOCK     260543103     1668    61089 SH       OTHER                 59759      900      430
DRIL-QUIP INC COM              COMMON STOCK     262037104      652    38700 SH       DEFINED               38700        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     5600   155265 SH       DEFINED              155265        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1029    28541 SH       OTHER                 24658     3583      300
DUKE ENERGY CORP *             COMMON STOCK     264399106     2247   114925 SH       DEFINED              114925        0        0
DUKE ENERGY CORP *             COMMON STOCK     264399106      246    12602 SH       OTHER                 12602        0        0
DYNACQ INTERNATIONAL INC COM   COMMON STOCK     267919306      721    61900 SH       DEFINED               61900        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102      966   211329 SH       DEFINED              211329        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102      198    43299 SH       OTHER                 42899        0      400
EATON VANCE CORPORATION COM    COMMON STOCK     278265103     1260    45600 SH       DEFINED               45600        0        0
EDISON INTERNATIONAL COM       COMMON STOCK     281020107      108    10848 SH       DEFINED               10848        0        0
EGL INC                        COMMON STOCK     268484102     1210   109900 SH       DEFINED              109900        0        0
EL PASO CORP COM*              COMMON STOCK     28336L109     5023   607382 SH       DEFINED              606291        0     1091
EL PASO CORP COM*              COMMON STOCK     28336L109      589    71192 SH       OTHER                 68128     2416      648
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104     5598   400414 SH       DEFINED              400414        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104      421    30109 SH       OTHER                 30109        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108      524     9470 SH       DEFINED                9470        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108      481     8700 SH       OTHER                  8600        0      100
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104    13937   317188 SH       DEFINED              309568        0     7620
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     1075    24469 SH       OTHER                 19379        0     5090
ENCOMPASS SERVICES CORPORATION COMMON STOCK     29255U104        4    28537 SH       DEFINED               28537        0        0
ENGELHARD CORP COM*            COMMON STOCK     292845104      257    10805 SH       DEFINED               10805        0        0
ENSCO INTERNATIONAL INC COM*   COMMON STOCK     26874Q100    10711   427765 SH       DEFINED              417935        0     9830
ENSCO INTERNATIONAL INC COM*   COMMON STOCK     26874Q100      343    13697 SH       OTHER                 13108        0      589
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      594    14281 SH       DEFINED               14081        0      200
ENTERGY CORP NEW COM           COMMON STOCK     29364G103       29      700 SH       OTHER                     0        0      700
ENZO BIOCHEM INC COM           COMMON STOCK     294100102      403    28213 SH       DEFINED               28213        0        0
EON LABS INC COM               COMMON STOCK     29412E100     2434   112800 SH       DEFINED              112800        0        0
ESCO TECHNOLOGIES INC          COMMON STOCK     296315104     1302    40300 SH       DEFINED               40300        0        0
EVEREST RE GROUP LTD COM*      COMMON STOCK     G3223R108    14081   256665 SH       DEFINED              251540        0     5125
EVEREST RE GROUP LTD COM*      COMMON STOCK     G3223R108     1079    19672 SH       OTHER                 19672        0        0
EXAR CORPORATION               COMMON STOCK     300645108      826    71500 SH       DEFINED               71500        0        0
EXPRESS SCRIPTS INC COMMON STO COMMON STOCK     302182100    11022   202171 SH       DEFINED              201491        0      680
EXPRESS SCRIPTS INC COMMON STO COMMON STOCK     302182100      545     9988 SH       OTHER                  9908        0       80
EXTREME NETWORKS INC COM       COMMON STOCK     30226D106      613   145700 SH       DEFINED              145700        0        0
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102    38633  1211069 SH       DEFINED             1201305        0     9764
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102     6539   204997 SH       OTHER                193541     2400     9056
FAMILY DOLLAR STORES INC COM   COMMON STOCK     307000109     1559    58000 SH       DEFINED               58000        0        0
FANNIE MAE *                   COMMON STOCK     313586109    14503   243584 SH       DEFINED              242690        0      894
FANNIE MAE *                   COMMON STOCK     313586109      961    16141 SH       OTHER                 15341        0      800
FIRST DATA CORP COM *          COMMON STOCK     319963104      409    14629 SH       DEFINED               14629        0        0
FIRST DATA CORP COM *          COMMON STOCK     319963104        7      248 SH       OTHER                   248        0        0
FIRST HEALTH GROUP CORP COM    COMMON STOCK     320960107     1919    70775 SH       DEFINED               70775        0        0
FISERV INC COM *               COMMON STOCK     337738108      295    10511 SH       DEFINED               10511        0        0
FISERV INC COM *               COMMON STOCK     337738108       44     1552 SH       OTHER                  1552        0        0
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108     4766   234424 SH       DEFINED              232579        0     1845
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108      132     6508 SH       OTHER                  5208        0     1300
FOCUS ENHANCEMENTS INC         COMMON STOCK     344159108       77    67500 SH       DEFINED               67500        0        0
FOOT LOCKER INC COM            COMMON STOCK     344849104      827    82764 SH       DEFINED               82764        0        0
FORD MOTOR COMPANY *           COMMON STOCK     345370860     7280   742879 SH       DEFINED              742841        0       38
FORD MOTOR COMPANY *           COMMON STOCK     345370860      101    10344 SH       OTHER                 10344        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101      945    19984 SH       DEFINED               19424        0      560
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101       47     1004 SH       OTHER                  1004        0        0
FOUNDRY NETWORKS INC COM       COMMON STOCK     35063R100     1167   213000 SH       DEFINED              213000        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104      331     6150 SH       DEFINED                6150        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       59     1100 SH       OTHER                   600        0      500
FREDDIE MAC *                  COMMON STOCK     313400301    10993   196649 SH       DEFINED              196602        0       47
FREDDIE MAC *                  COMMON STOCK     313400301      149     2665 SH       OTHER                  2665        0        0
FURNITURE BRANDS INTERNATIONAL COMMON STOCK     360921100     1159    50500 SH       DEFINED               50500        0        0
GABELLI ASSET MANAGEMENT INC C COMMON STOCK     36239Y102     1061    35800 SH       DEFINED               35800        0        0
GANNETT CO COM*                COMMON STOCK     364730101     2377    32930 SH       DEFINED               32250        0      680
GANNETT CO COM*                COMMON STOCK     364730101      631     8737 SH       OTHER                  8737        0        0
GART SPORTS COMPANY COM        COMMON STOCK     366630101     1283    68000 SH       DEFINED               68000        0        0
GEN-PROBE INC NEW COM          COMMON STOCK     36866T103     1145    67300 SH       DEFINED               67300        0        0
GENERAL DYNAMICS CORP COM*     COMMON STOCK     369550108    15971   196374 SH       DEFINED              192124        0     4250
GENERAL DYNAMICS CORP COM*     COMMON STOCK     369550108     1122    13794 SH       OTHER                 13494        0      300
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103    25914  1051262 SH       DEFINED             1033787        0    17475
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     3899   158170 SH       OTHER                121470    14520    22180
GENERAL MILLS INC COM*         COMMON STOCK     370334104     1736    39072 SH       DEFINED               39072        0        0
GENERAL MILLS INC COM*         COMMON STOCK     370334104      493    11100 SH       OTHER                  4000     6400      700
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832       16     1773 SH       DEFINED                1773        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832      198    21669 SH       OTHER                 21669        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      354     9094 SH       DEFINED                9094        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105     4853   124758 SH       OTHER                124758        0        0
GENTEX CORP COM                COMMON STOCK     371901109     1207    44400 SH       DEFINED               44400        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108      137    10435 SH       DEFINED               10435        0        0
GEORGIA-PACIFIC CORP COM *     COMMON STOCK     373298108       16     1250 SH       OTHER                  1250        0        0
GIBRALTAR STEEL CORPORATION CO COMMON STOCK     37476F103      861    38700 SH       DEFINED               38700        0        0
GILLETTE CO COM *              COMMON STOCK     375766102      270     9110 SH       DEFINED                9110        0        0
GILLETTE CO COM *              COMMON STOCK     375766102       19      650 SH       OTHER                   650        0        0
GRANITE CONSTRUCTION INC COM   COMMON STOCK     387328107     1016    61625 SH       DEFINED               61625        0        0
GRANT PRIDECO INC COM          COMMON STOCK     38821G101      785    91900 SH       DEFINED               91900        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101      364    28230 SH       DEFINED               27555        0      675
HALLIBURTON CO COM *           COMMON STOCK     406216101      691    53500 SH       OTHER                 50400     3000      100
HANOVER COMPRESSOR CO (HOLDING COMMON STOCK     410768105      107    12950 SH       DEFINED               12950        0        0
HARRIS CORP DELAWARE COM       COMMON STOCK     413875105     2014    60128 SH       DEFINED               60128        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      262     6383 SH       DEFINED                6383        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104       98     2400 SH       OTHER                     0        0     2400
HCA INC*                       COMMON STOCK     404119109    15679   329321 SH       DEFINED              319137        0    10184
HCA INC*                       COMMON STOCK     404119109     1758    36922 SH       OTHER                 30242        0     6680
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102    18852   785185 SH       DEFINED              774254        0    10931
HCC INSURANCE HOLDINGS INC COM COMMON STOCK     404132102     1825    76020 SH       OTHER                 76020        0        0
HEALTH MGMT ASSOC INC NEW CLAS COMMON STOCK     421933102      248    12281 SH       DEFINED               12281        0        0
HEALTHSOUTH CORP COM           COMMON STOCK     421924101       85    20545 SH       DEFINED               20545        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103     1330    39850 SH       DEFINED               39850        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103      205     6150 SH       OTHER                  4950     1200        0
HELMERICH & PAYNE INC COM      COMMON STOCK     423452101     1195    34900 SH       DEFINED               34900        0        0
HERSHEY FOODS CORP COM*        COMMON STOCK     427866108      290     4675 SH       DEFINED                4675        0        0
HERSHEY FOODS CORP COM*        COMMON STOCK     427866108      124     2000 SH       OTHER                   400        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103      980    83952 SH       DEFINED               80777        0     3175
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103      671    57491 SH       OTHER                 57302        0      189
HIBERNIA CORP CLASS A          COMMON STOCK     428656102     1269    63500 SH       DEFINED               63500        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102      990   105900 SH       DEFINED              105900        0        0
HOME DEPOT INC COM *           COMMON STOCK     437076102     1866    71499 SH       DEFINED               69454        0     2045
HOME DEPOT INC COM *           COMMON STOCK     437076102      254     9748 SH       OTHER                  5378        0     4370
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106    23583  1088795 SH       DEFINED             1073410        0    15385
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106     1590    73418 SH       OTHER                 71558        0     1860
HOUSEHOLD INTERNATIONAL CORP C COMMON STOCK     441815107      228     8070 SH       DEFINED                8070        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      204     3491 SH       DEFINED                3491        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      163     2800 SH       OTHER                  2800        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108      269    18000 SH       DEFINED               18000        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       63     4200 SH       OTHER                  4200        0        0
INGERSOLL-RAND COMPANY CLASS A COMMON STOCK     G4776G101     1090    31635 SH       DEFINED               30885        0      750
INGERSOLL-RAND COMPANY CLASS A COMMON STOCK     G4776G101      503    14600 SH       OTHER                 14600        0        0
INSIGHT ENTERPRISES INC COM    COMMON STOCK     45765U103     1188   117000 SH       DEFINED              117000        0        0
INTEGRATED CIRCUIT SYSTEMS INC COMMON STOCK     45811K208     1004    63975 SH       DEFINED               63975        0        0
INTEL CORP COM *               COMMON STOCK     458140100     5483   394721 SH       DEFINED              390121        0     4600
INTEL CORP COM *               COMMON STOCK     458140100     1154    83063 SH       OTHER                 72913      400     9750
INTERNATIONAL MULTIFOODS CORP  COMMON STOCK     460043102     1507    76900 SH       DEFINED               76900        0        0
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103     6678   200014 SH       DEFINED              192664        0     7350
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      414    12400 SH       OTHER                 12400        0        0
INTERTRUST TECHNOLOGIES CORP   COMMON STOCK     46113Q109       48    15000 SH       DEFINED               15000        0        0
INTL BUSINESS MACHINES CORP CO COMMON STOCK     459200101     3834    65753 SH       DEFINED               63068        0     2685
INTL BUSINESS MACHINES CORP CO COMMON STOCK     459200101     1387    23788 SH       OTHER                 18172     3216     2400
INVITROGEN CORP COM            COMMON STOCK     46185R100     1158    34000 SH       DEFINED               34000        0        0
ITT EDUCATIONAL SERVICES INC C COMMON STOCK     45068B109     1243    66200 SH       DEFINED               66200        0        0
J P MORGAN CHASE & CO COM      COMMON STOCK     46625H100      412    21720 SH       DEFINED               21200        0      520
J P MORGAN CHASE & CO COM      COMMON STOCK     46625H100       27     1445 SH       OTHER                   445        0     1000
JACK IN THE BOX INC COM        COMMON STOCK     466367109     1883    82600 SH       DEFINED               82600        0        0
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     6200   114649 SH       DEFINED              109621        0     5028
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     3066    56698 SH       OTHER                 40988    11200     4510
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      294     3829 SH       DEFINED                3829        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100      328     9777 SH       DEFINED                9777        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100       60     1800 SH       OTHER                  1300        0      500
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103     3719    65657 SH       DEFINED               65617        0       40
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103      817    14426 SH       OTHER                 10726        0     3700
KRONOS INC COM                 COMMON STOCK     501052104      973    39500 SH       DEFINED               39500        0        0
LAFARGE NORTH AMERICA INC COM  COMMON STOCK     505862102     3675   126859 SH       DEFINED              126859        0        0
LAFARGE NORTH AMERICA INC COM  COMMON STOCK     505862102       48     1671 SH       OTHER                  1671        0        0
LANDRYS SEAFOOD RESTAURANTS IN COMMON STOCK     51508L103     1500    66400 SH       DEFINED               66400        0        0
LEAP WIRELESS INTERNATIONAL IN COMMON STOCK     521863100        5    20000 SH       DEFINED               20000        0        0
LEGG MASON INC COM             COMMON STOCK     524901105     2158    50700 SH       DEFINED               50700        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      228    11506 SH       DEFINED               11506        0        0
LIBERTY MEDIA CORP NEW COM SER COMMON STOCK     530718105      417    58014 SH       DEFINED               57564        0      450
LIBERTY MEDIA CORP NEW COM SER COMMON STOCK     530718105        9     1300 SH       OTHER                     0        0     1300
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      619     9570 SH       DEFINED                9570        0        0
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109       26      400 SH       OTHER                   400        0        0
LOWES COS INC COM *            COMMON STOCK     548661107    17878   431836 SH       DEFINED              419725        0    12111
LOWES COS INC COM *            COMMON STOCK     548661107     1305    31527 SH       OTHER                 31527        0        0
LUBY'S INC COM                 COMMON STOCK     549282101      255    51782 SH       DEFINED               51782        0        0
LUBY'S INC COM                 COMMON STOCK     549282101        1      285 SH       OTHER                   285        0        0
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107        5     7015 SH       DEFINED                5817        0     1198
LUCENT TECHNOLOGIES INC COM    COMMON STOCK     549463107        4     5868 SH       OTHER                  1924     3844      100
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107      148    12400 SH       DEFINED               12400        0        0
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103       69    68696 SH       DEFINED               68696        0        0
MANPOWER INC WISCONSIN COM     COMMON STOCK     56418H100     2483    84645 SH       DEFINED               84645        0        0
MANPOWER INC WISCONSIN COM     COMMON STOCK     56418H100       45     1530 SH       OTHER                  1530        0        0
MARATHON OIL CORP COM*         COMMON STOCK     565849106     5838   257421 SH       DEFINED              257101        0      320
MARATHON OIL CORP COM*         COMMON STOCK     565849106      386    17032 SH       OTHER                 17032        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102      692    16620 SH       DEFINED               16620        0        0
MARSH & MCLENNAN COS INC COM*  COMMON STOCK     571748102       82     1970 SH       OTHER                  1970        0        0
MARSHALL & ILSLEY CORP COM     COMMON STOCK     571834100      816    29240 SH       DEFINED               29240        0        0
MASCO CORP COM *               COMMON STOCK     574599106     1821    93137 SH       DEFINED               92897        0      240
MASCO CORP COM *               COMMON STOCK     574599106      294    15049 SH       OTHER                 15049        0        0
MBNA CORP COM *                COMMON STOCK     55262L100    10108   549937 SH       DEFINED              544915        0     5022
MBNA CORP COM *                COMMON STOCK     55262L100      863    46950 SH       OTHER                 41550        0     5400
MCDONALD'S CORP COM *          COMMON STOCK     580135101      651    36843 SH       DEFINED               36843        0        0
MCDONALD'S CORP COM *          COMMON STOCK     580135101      147     8300 SH       OTHER                  8300        0        0
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109     3971    64866 SH       DEFINED               63656        0     1210
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109     1243    20306 SH       OTHER                 19956        0      350
MEDTRONIC INC COM *            COMMON STOCK     585055106     9917   235436 SH       DEFINED              225986        0     9450
MEDTRONIC INC COM *            COMMON STOCK     585055106      939    22288 SH       OTHER                 19488        0     2800
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108      830    32000 SH       DEFINED               32000        0        0
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108       62     2400 SH       OTHER                  1200        0     1200
MERCK & CO INC COM *           COMMON STOCK     589331107     3756    82178 SH       DEFINED               81878        0      300
MERCK & CO INC COM *           COMMON STOCK     589331107     1348    29500 SH       OTHER                 27100        0     2400
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      102     3100 SH       DEFINED                3100        0        0
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      224     6800 SH       OTHER                  6800        0        0
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      347     8500 SH       DEFINED                8500        0        0
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    19107   436834 SH       DEFINED              425826        0    11008
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     2260    51659 SH       OTHER                 42014     1000     8645
MID ATLANTIC MED SVCS INC COM  COMMON STOCK     59523C107     1901    52500 SH       DEFINED               52500        0        0
MILLIPORE CORP COM *           COMMON STOCK     601073109      670    21084 SH       DEFINED               20259        0      825
MILLIPORE CORP COM *           COMMON STOCK     601073109      246     7737 SH       OTHER                  2382       55     5300
MIRANT CORP COM                COMMON STOCK     604675108       22    10160 SH       DEFINED               10160        0        0
MOLEX INC COM*                 COMMON STOCK     608554101      328    13942 SH       DEFINED               13942        0        0
MORGAN STANLEY                 COMMON STOCK     617446448     9966   294160 SH       DEFINED              294096        0       64
MORGAN STANLEY                 COMMON STOCK     617446448      120     3556 SH       OTHER                  3556        0        0
MOTOROLA INC COM               COMMON STOCK     620076109       67     6627 SH       DEFINED                6131        0      496
MOTOROLA INC COM               COMMON STOCK     620076109      128    12585 SH       OTHER                  7385     2700     2500
NEW PLAN EXCEL RLTY TR INC REI COMMON STOCK     648053106     1223    66300 SH       DEFINED               65200        0     1100
NEW PLAN EXCEL RLTY TR INC REI COMMON STOCK     648053106       92     5000 SH       OTHER                  5000        0        0
NEWELL RUBBERMAID INC COM*     COMMON STOCK     651229106    16067   520459 SH       DEFINED              507246        0    13213
NEWELL RUBBERMAID INC COM*     COMMON STOCK     651229106     1238    40105 SH       OTHER                 33677     4728     1700
NICOR INC COM *                COMMON STOCK     654086107      603    21400 SH       DEFINED               21400        0        0
NICOR INC COM *                COMMON STOCK     654086107      285    10100 SH       OTHER                 10100        0        0
NISOURCE INC COM               COMMON STOCK     65473P105        7      400 SH       DEFINED                 400        0        0
NISOURCE INC COM               COMMON STOCK     65473P105      293    17007 SH       OTHER                     0        0    17007
NOBLE CORP COM                 COMMON STOCK     G65422100      477    15400 SH       DEFINED               15000        0      400
NOBLE CORP COM                 COMMON STOCK     G65422100       59     1900 SH       OTHER                   500        0     1400
NOBLE ENERGY INC COM           COMMON STOCK     655044105    11990   352944 SH       DEFINED              352944        0        0
NOBLE ENERGY INC COM           COMMON STOCK     655044105      111     3260 SH       OTHER                  3260        0        0
NORTHEAST UTILITIES COM        COMMON STOCK     664397106      390    23100 SH       DEFINED               23100        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105      552    19450 SH       DEFINED               19450        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105       10      350 SH       OTHER                   350        0        0
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106     2091   104800 SH       DEFINED              102500        0     2300
OCEAN ENERGY INC TEX COM       COMMON STOCK     67481E106       18      900 SH       OTHER                     0        0      900
OMNICOM GROUP COM *            COMMON STOCK     681919106     9931   178360 SH       DEFINED              176555        0     1805
OMNICOM GROUP COM *            COMMON STOCK     681919106      435     7811 SH       OTHER                  7811        0        0
ORACLE CORPORATION*            COMMON STOCK     68389X105      954   121369 SH       DEFINED              121369        0        0
ORACLE CORPORATION*            COMMON STOCK     68389X105      424    54000 SH       OTHER                 47000        0     7000
P G & E CORP COM CH. 11        COMMON STOCK     69331C108      140    12455 SH       DEFINED               12455        0        0
PACIFIC SUNWEAR OF CALIFORNIA  COMMON STOCK     694873100     1295    63600 SH       DEFINED               63600        0        0
PATTERSON-UTI ENERGY INC COM   COMMON STOCK     703481101     1265    49600 SH       DEFINED               49600        0        0
PEPCO HOLDINGS INC COM         COMMON STOCK     713291102     7359   368868 SH       DEFINED              368630        0      238
PEPCO HOLDINGS INC COM         COMMON STOCK     713291102       48     2396 SH       OTHER                  2396        0        0
PEPSICO INC COM*               COMMON STOCK     713448108    16667   451072 SH       DEFINED              439187        0    11885
PEPSICO INC COM*               COMMON STOCK     713448108     2894    78309 SH       OTHER                 54302     7740    16267
PERFORMANCE FOOD GROUP CO COM* COMMON STOCK     713755106      269     7935 SH       DEFINED                7935        0        0
PFIZER INC COM *               COMMON STOCK     717081103    22355   770325 SH       DEFINED              756458        0    13867
PFIZER INC COM *               COMMON STOCK     717081103     4722   162731 SH       OTHER                143469    12752     6510
PHARMACEUTICAL PRODUCT DEVELOP COMMON STOCK     717124101     1797    92900 SH       DEFINED               92900        0        0
PHARMACIA CORP COM*            COMMON STOCK     71713U102      633    16293 SH       DEFINED               16293        0        0
PHARMACIA CORP COM*            COMMON STOCK     71713U102      342     8807 SH       OTHER                  4641     2500     1666
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     5830   150265 SH       DEFINED              149365        0      900
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107      663    17100 SH       OTHER                 15900      500      700
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107     1842    75942 SH       DEFINED               75942        0        0
PIONEER NATURAL RESOURCES CO C COMMON STOCK     723787107       12      502 SH       OTHER                   502        0        0
PITNEY BOWES INC COM *         COMMON STOCK     724479100     1456    47769 SH       DEFINED               47769        0        0
PLANTRONICS INC COM            COMMON STOCK     727493108     1579    96900 SH       DEFINED               96900        0        0
PLUM CREEK TIMBER CO INC REIT  COMMON STOCK     729251108     1168    51650 SH       DEFINED               51650        0        0
PLUM CREEK TIMBER CO INC REIT  COMMON STOCK     729251108       27     1200 SH       OTHER                     0        0     1200
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      266     6300 SH       DEFINED                6300        0        0
POLYCOM INC COM                COMMON STOCK     73172K104     1176   173200 SH       DEFINED              173200        0        0
PPL CORPORATION COM*           COMMON STOCK     69351T106     1002    30800 SH       DEFINED               30800        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109    10737   120123 SH       DEFINED              119943        0      180
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     1519    16991 SH       OTHER                 16791        0      200
PROLOGIS  REIT COM             COMMON STOCK     743410102     4008   160890 SH       DEFINED              160890        0        0
PROLOGIS  REIT COM             COMMON STOCK     743410102       41     1641 SH       OTHER                  1641        0        0
PRUDENTIAL FINANCIAL INC COM   COMMON STOCK     744320102     9919   347299 SH       DEFINED              347238        0       61
PRUDENTIAL FINANCIAL INC COM   COMMON STOCK     744320102       95     3338 SH       OTHER                  3338        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103      334    16654 SH       DEFINED               16654        0        0
RAYTHEON CO COM NEW*           COMMON STOCK     755111507    15176   517956 SH       DEFINED              509196        0     8760
RAYTHEON CO COM NEW*           COMMON STOCK     755111507     1311    44732 SH       OTHER                 44732        0        0
REEBOK INTERNATIONAL LIMITED C COMMON STOCK     758110100     1338    53400 SH       DEFINED               53400        0        0
ROCKWELL AUTOMATION INC COM*   COMMON STOCK     773903109      832    51107 SH       DEFINED               51107        0        0
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100      562    29052 SH       DEFINED               29052        0        0
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100       59     3050 SH       OTHER                  3050        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208     1025    45971 SH       DEFINED               45971        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208      120     5365 SH       OTHER                  5365        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103     2094   114491 SH       DEFINED              111891        0     2600
SARA LEE CORP COM *            COMMON STOCK     803111103      951    51999 SH       OTHER                 51999        0        0
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    16636   827645 SH       DEFINED              824304        0     3341
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     1425    70878 SH       OTHER                 63578        0     7300
SCANA CORP COM NEW             COMMON STOCK     80589M102     5236   201235 SH       DEFINED              201055        0      180
SCANA CORP COM NEW             COMMON STOCK     80589M102       64     2452 SH       OTHER                  2452        0        0
SCHEIN HENRY INC COM           COMMON STOCK     806407102     1393    26400 SH       DEFINED               26400        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101     4965   232903 SH       DEFINED              231743        0     1160
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101      623    29225 SH       OTHER                 23425        0     5800
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     2706    70356 SH       DEFINED               69326        0     1030
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     1032    26845 SH       OTHER                 24645        0     2200
SCHWAB CHARLES CORP NEW COM*   COMMON STOCK     808513105    10953  1258922 SH       DEFINED             1226524        0    32398
SCHWAB CHARLES CORP NEW COM*   COMMON STOCK     808513105      572    65745 SH       OTHER                 64695        0     1050
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      390    10010 SH       DEFINED               10010        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108       78     2000 SH       OTHER                  2000        0        0
SEEBEYOND TECHNOLOGY CORP COM  COMMON STOCK     815704101       14    10000 SH       DEFINED               10000        0        0
SEI INVESTMENTS CO COM*        COMMON STOCK     784117103      382    15999 SH       DEFINED               15529        0      470
SEI INVESTMENTS CO COM*        COMMON STOCK     784117103       21      886 SH       OTHER                   886        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109      406    20663 SH       DEFINED               20663        0        0
SEMPRA ENERGY COM              COMMON STOCK     816851109       20     1000 SH       OTHER                   800        0      200
SHAW GROUP INC COM*            COMMON STOCK     820280105      498    35069 SH       DEFINED               35069        0        0
SIEBEL SYSTEMS INC COM*        COMMON STOCK     826170102      791   137642 SH       DEFINED              127142        0    10500
SIEBEL SYSTEMS INC COM*        COMMON STOCK     826170102      222    38640 SH       OTHER                 38430        0      210
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101       10      200 SH       DEFINED                 200        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101      197     4000 SH       OTHER                  4000        0        0
SILVERSTAR HOLDINGS LTD ORD    COMMON STOCK     G81365101        2    10000 SH       DEFINED               10000        0        0
SKYWEST INC COM                COMMON STOCK     830879102      857    65400 SH       DEFINED               65400        0        0
SL GREEN REALTY CORP REIT      COMMON STOCK     78440X101     1442    46900 SH       DEFINED               46900        0        0
SLM CORP COM                   COMMON STOCK     78442P106      406     4360 SH       DEFINED                4360        0        0
SOUTHERN CO COM                COMMON STOCK     842587107      434    15071 SH       DEFINED               15071        0        0
SOUTHERN CO COM                COMMON STOCK     842587107       33     1158 SH       OTHER                  1158        0        0
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     5702   436613 SH       DEFINED              429363        0     7250
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     1756   134431 SH       OTHER                132531        0     1900
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     4468   200815 SH       DEFINED              200815        0        0
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102       95     4262 SH       OTHER                  4262        0        0
SPINNAKER EXPLORATION COM      COMMON STOCK     84855W109     1148    40000 SH       DEFINED               40000        0        0
SRA INTERNATIONAL INC - CL A C COMMON STOCK     78464R105     1864    65100 SH       DEFINED               65100        0        0
STAPLES INC COM*               COMMON STOCK     855030102      699    54644 SH       DEFINED               53094        0     1550
STATE STREET CORP*             COMMON STOCK     857477103      452    11701 SH       DEFINED               11701        0        0
STATE STREET CORP*             COMMON STOCK     857477103        8      200 SH       OTHER                   200        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      776    59390 SH       DEFINED               57140        0     2250
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      196    15000 SH       OTHER                 15000        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      195     3387 SH       DEFINED                3387        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      300     5200 SH       OTHER                  5200        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      287   110867 SH       DEFINED              110867        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104       61    23563 SH       OTHER                 23543        0       20
SUNTRUST BANKS INC COM         COMMON STOCK     867914103      219     3562 SH       DEFINED                3562        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103        6      100 SH       OTHER                   100        0        0
SUPERIOR INDUSTRIES INTL INC C COMMON STOCK     868168105     1464    31100 SH       DEFINED               31100        0        0
SWIFT TRANSPORTATION INC COM   COMMON STOCK     870756103     1036    66400 SH       DEFINED               66400        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101     1729   126400 SH       DEFINED              126400        0        0
SYMANTEC CORP COM*             COMMON STOCK     871503108    12914   384014 SH       DEFINED              376324        0     7690
SYMANTEC CORP COM*             COMMON STOCK     871503108      787    23396 SH       OTHER                 23396        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     2869   101067 SH       DEFINED              100467        0      600
SYSCO CORP COM *               COMMON STOCK     871829107     1742    61360 SH       OTHER                 61060        0      300
TARGET CORP COM *              COMMON STOCK     87612E106      310    10515 SH       DEFINED               10155        0      360
TARGET CORP COM *              COMMON STOCK     87612E106      279     9447 SH       OTHER                  9447        0        0
TCF FINANCIAL CORP COM         COMMON STOCK     872275102     1177    27800 SH       DEFINED               27800        0        0
TELEDYNE TECHNOLOGIES INC COM  COMMON STOCK     879360105     1454    80065 SH       DEFINED               80065        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    21417   554405 SH       DEFINED              554405        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107       48     1230 SH       OTHER                     0     1080      150
TETRA TECHNOLOGIES INC DEL COM COMMON STOCK     88162F105     1255    62300 SH       DEFINED               62300        0        0
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104     8989   608623 SH       DEFINED              594868        0    13755
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104      542    36714 SH       OTHER                 33364       50     3300
TEXTRON INC COM *              COMMON STOCK     883203101      467    13700 SH       DEFINED               13700        0        0
TEXTRON INC COM *              COMMON STOCK     883203101      153     4500 SH       OTHER                   900     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105     1304    21400 SH       DEFINED               21400        0        0
TIFFANY & CO NEW COM*          COMMON STOCK     886547108      707    33000 SH       DEFINED               33000        0        0
TIFFANY & CO NEW COM*          COMMON STOCK     886547108       43     2000 SH       OTHER                     0        0     2000
TOWER AUTOMOTIVE INC COM       COMMON STOCK     891707101     1044   155800 SH       DEFINED              155800        0        0
TRACTOR SUPPLY CO COM          COMMON STOCK     892356106     3518   110700 SH       DEFINED              110700        0        0
TRAVELERS PPTY CAS CORP NEW CL COMMON STOCK     89420G406      234    17295 SH       DEFINED               17172        0      123
TRAVELERS PPTY CAS CORP NEW CL COMMON STOCK     89420G406       38     2772 SH       OTHER                  2122      532      118
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109      936    24660 SH       DEFINED               24500        0      160
TRIAD HOSPITALS INC COM        COMMON STOCK     89579K109       61     1600 SH       OTHER                     0        0     1600
TXU CORP COM *                 COMMON STOCK     873168108     6954   166719 SH       DEFINED              166419        0      300
TXU CORP COM *                 COMMON STOCK     873168108      437    10467 SH       OTHER                  9617        0      850
TYCO INTL LTD NEW COM          COMMON STOCK     902124106       73     5158 SH       DEFINED                5158        0        0
TYCO INTL LTD NEW COM          COMMON STOCK     902124106       74     5272 SH       OTHER                   400        0     4872
UNITED NATURAL FOODS INC       COMMON STOCK     911163103     1568    68100 SH       DEFINED               68100        0        0
UNITED STATES STEEL CORP NEW C COMMON STOCK     912909108        3      240 SH       DEFINED                 240        0        0
UNITED STATES STEEL CORP NEW C COMMON STOCK     912909108      290    25000 SH       OTHER                 25000        0        0
UNITED TECHNOLOGIES CORP COM*  COMMON STOCK     913017109      245     4337 SH       DEFINED                4337        0        0
UNITED TECHNOLOGIES CORP COM*  COMMON STOCK     913017109      256     4524 SH       OTHER                  3500     1024        0
UNITEDHEALTH GROUP INC COM*    COMMON STOCK     91324P102      529     6060 SH       DEFINED                6060        0        0
UNITEDHEALTH GROUP INC COM*    COMMON STOCK     91324P102        2       20 SH       OTHER                    20        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102     1318    42000 SH       DEFINED               42000        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      104     3300 SH       OTHER                  3300        0        0
URSTADT BIDDLE PPTYS INC CL A  COMMON STOCK     917286205     1554   131100 SH       DEFINED              131100        0        0
US BANCORP DEL COM NEW         COMMON STOCK     902973304      163     8761 SH       DEFINED                8761        0        0
US BANCORP DEL COM NEW         COMMON STOCK     902973304       45     2425 SH       OTHER                  2425        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100     4143   144447 SH       DEFINED              141283        0     3164
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      411    14318 SH       OTHER                  6488        0     7830
UST INC COM                    COMMON STOCK     902911106      437    15478 SH       DEFINED               14478        0     1000
VALERO L P COM                 COMMON STOCK     91913W104      201     5600 SH       DEFINED                5600        0        0
VALERO L P COM                 COMMON STOCK     91913W104       40     1100 SH       OTHER                     0        0     1100
VARIAN INC COM                 COMMON STOCK     922206107     1123    40680 SH       DEFINED               40680        0        0
VARIAN MEDICAL SYSTEMS INC COM COMMON STOCK     92220P105     1341    31200 SH       DEFINED               31200        0        0
VENTAS INC REIT COM            COMMON STOCK     92276F100     5333   397687 SH       DEFINED              397687        0        0
VENTAS INC REIT COM            COMMON STOCK     92276F100       10      754 SH       OTHER                   754        0        0
VERITAS SOFTWARE CORP COM*     COMMON STOCK     923436109     6495   442729 SH       DEFINED              441299        0     1430
VERITAS SOFTWARE CORP COM*     COMMON STOCK     923436109      592    40366 SH       OTHER                 40366        0        0
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104    10029   365492 SH       DEFINED              364243        0     1249
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104      940    34257 SH       OTHER                 32057        0     2200
VIACOM INC CLASS B COM         COMMON STOCK     925524308      125     3083 SH       DEFINED                3083        0        0
VIACOM INC CLASS B COM         COMMON STOCK     925524308      153     3769 SH       OTHER                  2142        0     1627
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108      216    24576 SH       DEFINED               24576        0        0
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108       78     8903 SH       OTHER                  8903        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    16943   344094 SH       DEFINED              338469        0     5625
WAL MART STORES INC COM *      COMMON STOCK     931142103     2628    53378 SH       OTHER                 46903      100     6375
WALGREEN CO COM*               COMMON STOCK     931422109      420    13657 SH       DEFINED               12835        0      822
WALGREEN CO COM*               COMMON STOCK     931422109      324    10520 SH       OTHER                 10520        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109     7002   313791 SH       DEFINED              313791        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109       87     3900 SH       OTHER                  3900        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      530    16848 SH       DEFINED               16848        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      115     3664 SH       OTHER                  3664        0        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109      410    17600 SH       DEFINED               17600        0        0
WAUSAU-MOSINEE PAPER CORP COM  COMMON STOCK     943315101      223    24193 SH       DEFINED               24193        0        0
WEIS MARKETS INC COM           COMMON STOCK     948849104     1363    40700 SH       DEFINED               40700        0        0
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101    15760   327249 SH       DEFINED              320489        0     6760
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     1568    32550 SH       OTHER                 28550     4000        0
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109      520    15700 SH       DEFINED               15700        0        0
WILLIAMS COS COM               COMMON STOCK     969457100        3     1425 SH       DEFINED                1425        0        0
WILLIAMS COS COM               COMMON STOCK     969457100       28    12216 SH       OTHER                 12216        0        0
WILLIAMS SONOMA INC COM*       COMMON STOCK     969904101     1011    42800 SH       DEFINED               42800        0        0
WORTHINGTON INDS INC COM (OHIO COMMON STOCK     981811102     1380    73800 SH       DEFINED               73800        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      134     2711 SH       DEFINED                2711        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      148     3000 SH       OTHER                     0        0     3000
WYETH COM STOCK*               COMMON STOCK     983024100     6475   203609 SH       DEFINED              203509        0      100
WYETH COM STOCK*               COMMON STOCK     983024100      846    26615 SH       OTHER                 16515     9600      500
XTO ENERGY INC COM             COMMON STOCK     98385X106     1257    60987 SH       DEFINED               60987        0        0
YUM! BRANDS INC COM            COMMON STOCK     988498101      301    10870 SH       DEFINED               10870        0        0
YUM! BRANDS INC COM            COMMON STOCK     988498101       39     1400 SH       OTHER                   200      720      480
ZIMMER HLDGS INC*              COMMON STOCK     98956P102      315     8222 SH       DEFINED                8052        0      170
ZIMMER HLDGS INC*              COMMON STOCK     98956P102       49     1266 SH       OTHER                  1266        0        0
ZOLL MEDICAL CORPORATION COM   COMMON STOCK     989922109     1383    45500 SH       DEFINED               45500        0        0
3M CO COM*                     COMMON STOCK     88579Y101     3755    34143 SH       DEFINED               34143        0        0
3M CO COM*                     COMMON STOCK     88579Y101     1688    15352 SH       OTHER                  7952     4900     2500
AGRIUM INC COM                 COMMON STOCK     008916108     6502   710641 SH       DEFINED              710641        0        0
AGRIUM INC COM                 COMMON STOCK     008916108       56     6142 SH       OTHER                  6142        0        0
ALCON INC COM                  COMMON STOCK     H01301102      624    16100 SH       DEFINED               16100        0        0
ALCON INC COM                  COMMON STOCK     H01301102      969    25000 SH       OTHER                 25000        0        0
BARRICK GOLD CORP COM *        COMMON STOCK     067901108     3168   203756 SH       DEFINED              203756        0        0
BARRICK GOLD CORP COM *        COMMON STOCK     067901108      106     6800 SH       OTHER                  6800        0        0
BIOVAIL CORPORATION COM*       COMMON STOCK     09067J109     1171    47418 SH       DEFINED               47243        0      175
BIOVAIL CORPORATION COM*       COMMON STOCK     09067J109      108     4360 SH       OTHER                  4360        0        0
BP PLC SPONSORED ADR *         COMMON STOCK     055622104    22523   564490 SH       DEFINED              557256        0     7234
BP PLC SPONSORED ADR *         COMMON STOCK     055622104     3157    79127 SH       OTHER                 65166     8365     5596
BT GROUP PLC ADR               COMMON STOCK     05577E101      271    10500 SH       DEFINED               10500        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102     2349    62903 SH       DEFINED               62903        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       19      499 SH       OTHER                   499        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101      924    29045 SH       DEFINED               29045        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101        5      158 SH       OTHER                   158        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103       26    16000 SH       DEFINED               16000        0        0
ENCANA CORP COM                COMMON STOCK     292505104      435    14460 SH       DEFINED               14460        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      474    51900 SH       DEFINED               51900        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      632     9205 SH       DEFINED                9205        0        0
FAIRMONT HOTELS RESORTS INC CO COMMON STOCK     305204109     2356    99000 SH       DEFINED               99000        0        0
GARMIN LTD                     COMMON STOCK     G37260109     1174    63300 SH       DEFINED               63300        0        0
GLAXOSMITHKLINE PLC ADR        COMMON STOCK     37733W105      715    18617 SH       DEFINED               18317        0      300
HITACHI LTD ADR                COMMON STOCK     433578507      250     5050 SH       DEFINED                5050        0        0
IMPERIAL TOBACCO GROUP PLC ADR COMMON STOCK     453142101      343    10800 SH       DEFINED               10800        0        0
KONINKLIJKE PHILIPS ELECTRS N  COMMON STOCK     500472303      325    22356 SH       DEFINED               22356        0        0
KOREA ELECTRIC POWER CORP SPON COMMON STOCK     500631106      268    28700 SH       DEFINED               28700        0        0
KT CORP SPONSORED ADR          COMMON STOCK     48268K101      291    13100 SH       DEFINED               13100        0        0
MANULIFE FINANCIAL CORP COM    COMMON STOCK     56501R106      289    13738 SH       DEFINED               13738        0        0
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204     2311   174422 SH       DEFINED              170172        0     4250
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204      496    37464 SH       OTHER                 33599        0     3865
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605     8991   237669 SH       DEFINED              237418        0      251
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605       97     2570 SH       OTHER                  2453      117        0
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207     6971   510701 SH       DEFINED              510607        0       94
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207       62     4506 SH       OTHER                  4506        0        0
PETROLEO BRASILEIRO SA PETROBR COMMON STOCK     71654V408      172    16000 SH       DEFINED               16000        0        0
PORTUGAL TELECOM SGPS S A      COMMON STOCK     737273102      237    51300 SH       DEFINED               51300        0        0
REPSOL YPF S.A. SPONSORED ADR  COMMON STOCK     76026T205      246    20550 SH       DEFINED               20550        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     1922    47858 SH       DEFINED               47858        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      208     5170 SH       OTHER                  4370        0      800
SAN PAOLO-IMI S P A SPONSORED  COMMON STOCK     799175104      194    16950 SH       DEFINED               16950        0        0
SCOTTISH ANNUITY & LIFE HOLDIN COMMON STOCK     G7885T104     1371    80400 SH       DEFINED               80400        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705     1454    66870 SH       DEFINED               66870        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705       21      986 SH       OTHER                   922        0       64
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609      568    15900 SH       DEFINED               15900        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      281     7000 SH       OTHER                  7000        0        0
TELECOM ITALIA SPA             COMMON STOCK     87927W106      392     5500 SH       DEFINED                5500        0        0
TELEFONOS DE MEXICO SP ADR     COMMON STOCK     879403780      310    10999 SH       DEFINED               10999        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209     1441    21500 SH       DEFINED               21500        0        0
TOTAL FINA ELF S A SPONSORED A COMMON STOCK     89151E109      718    10900 SH       DEFINED               10900        0        0
TOYOTA MOTOR CORP ADR 2 COM    COMMON STOCK     892331307      281     5500 SH       DEFINED                5500        0        0
TRANSOCEAN INC *               COMMON STOCK     G90078109     1736    83482 SH       DEFINED               83405        0       77
TRANSOCEAN INC *               COMMON STOCK     G90078109      123     5923 SH       OTHER                  5498        0      425
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      355     5975 SH       DEFINED                5975        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      118     1983 SH       OTHER                  1983        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857W100      146    11350 SH       DEFINED               10100        0     1250
VODAFONE GROUP PLC             COMMON STOCK     92857W100       51     4000 SH       OTHER                  4000        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105     6249    85021 SH       DEFINED               84987        0       34
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105       32      441 SH       OTHER                   441        0        0
EL PASO ENERGY CAP I 4.75% CON PREFERRED STOCK  283678209      221    12300 SH       DEFINED             N.A.     N.A.     N.A.
SEQUA CORP $5.00 SERIES CONV P PREFERRED STOCK  817320302      706     8382 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703        4       60 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703      298     5100 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY INDIA INVESTMEN OTHER            61745C105      158    18500 SH       DEFINED             N.A.     N.A.     N.A.
MUNIHOLDINGS INSURED FUND INC  OTHER            625930102      138    10000 SH       DEFINED             N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP           OTHER            895436103      170    12940 SH       DEFINED             N.A.     N.A.     N.A.
ACM INCOME FUND                OTHER            000912105       83    10000 SH       DEFINED             N.A.     N.A.     N.A.
ACM INCOME FUND                OTHER            000912105       10     1166 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST         OTHER            09247F100       33     4060 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INCOME TRUST         OTHER            09247F100       62     7500 SH       OTHER               N.A.     N.A.     N.A.
PACHOLDER HIGH YIELD FUND      OTHER            693742108      117    17767 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND         OTHER            62630E107      151     9903 SH       DEFINED             N.A.     N.A.     N.A.
MUNIYIELD INSURED FUND         OTHER            62630E107       30     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103      294    18387 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND    OTHER            670928100      387    39867 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND    OTHER            670928100        4      400 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORMANCE PLUS MUN FD OTHER            67062P108      188    12445 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD II   OTHER            67063W102      171    11200 SH       DEFINED             N.A.     N.A.     N.A.
BUCKEYE PARTNERS L P UNIT      OTHER            118230101     1241    33818 SH       DEFINED               33818        0        0
ENBRIDGE ENERGY PARTNERS L P   OTHER            29250R106      399     9100 SH       DEFINED                9100        0        0
ENBRIDGE ENERGY PARTNERS L P   OTHER            29250R106       44     1000 SH       OTHER                  1000        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106      192     6000 SH       DEFINED                6000        0        0
KINDER MORGAN ENERGY PARTNERS  OTHER            494550106      201     6300 SH       OTHER                  4000        0     2300
PLAINS ALL AMERICAN PIPELINE L OTHER            726503105      214     8800 SH       DEFINED                8800        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      358    14307 SH       DEFINED               14307        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      125     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105      193    16500 SH       DEFINED               16500        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       19     1650 SH       OTHER                     0     1650        0