UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 06/30/04
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: PEAPACK GLADSTONE FINANCIAL CORPORATION
Address: 158 ROUTE 206 NORTH
GLADSTONE, NJ 07934
Form 13F File Number: 28-
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The Institutional Investment Manager filing this report and the person by whom
it is signed represent that the person signing the report is authorized to
submit it, that all information contained herein is true, correct and complete,
and that it is understood that all required items, statements, schedules,
lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: ROY C. MILLER
Title: VICE PRESIDENT
Phone: 908 719 3306
Signature, Place, and Date of Signing:
/s/ Roy C. Miller Gladstone, NJ 07/15/04
------------------------------- -------------------------- ------------
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check if all holdings of this reporting manager are
reported in this report.)
[ ] 13F NOTICE. (Check if no holdings reported are in this report, and all
holdings are reported in this report and a portion are reported by other
reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check if a portion of the holdings for this
reporting manager are reported in this report and a portion are reported by
other reporting manager(s).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
28-
--------------------------- -----------------------------
[Repeat as necessary.]
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
---------
Form 13F Information Table Entry Total: 8,282,667
---------
Form 13F Information Table Value Total: 326,479
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(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
No. Form 13F File Number Name
01 28 -
02 28 -
03 28 -
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
DAIMLER-CHRYSLER AG ORD D1668R123 55 1180 SH DEFINED 848 332 0
BUNGE LIMITED G16962105 19 500 SH SOLE 500 0 0
INGERSOLL RAND COMPANY
CLASS A COMMON G4776G101 68 1000 SH SOLE 1000 0 0
INGERSOLL RAND COMPANY
CLASS A COMMON G4776G101 428 6280 SH DEFINED 6280 0 0
NABORS INDUSTRIES LTD COM G6359F103 289 6400 SH SOLE 6400 0 0
NABORS INDUSTRIES LTD COM G6359F103 94 2100 SH DEFINED 2100 0 0
TRANSOCEAN INC G90078109 13 477 SH DEFINED 477 0 0
XL CAP LIMITED G98255105 26 350 SH SOLE 350 0 0
ALCON INC H01301102 47 610 SH SOLE 610 0 0
ALCON INC H01301102 23 300 SH DEFINED 300 0 0
GILAT SATELLITE NETWORKS
LTD M51474118 0 120 SH SOLE 120 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 46 2919 SH SOLE 2919 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 229 14400 SH DEFINED 13700 0 700
AFLAC INCORPORATED 001055102 41 1020 SH SOLE 1020 0 0
AFLAC INCORPORATED 001055102 48 1200 SH DEFINED 1200 0 0
AGCO CORPORATION 001084102 85 4175 SH DEFINED 4175 0 0
AES CORPORATION 00130H105 8 833 SH SOLE 833 0 0
AES CORPORATION 00130H105 23 2350 SH DEFINED 2350 0 0
AT&T CORP NEW 001957505 0 40 SH SOLE 40 0 0
AT&T CORP NEW 001957505 29 2047 SH DEFINED 2027 20 0
AT&T WIRELESS SERVICES INC 00209A106 21 1483 SH SOLE 1483 0 0
AT&T WIRELESS SERVICES INC 00209A106 101 7067 SH DEFINED 6553 193 321
AVI BIOPHARMA INC 002346104 150 63000 SH DEFINED 63000 0 0
AASTROM BIOSCIENCES 00253U107 3 3500 SH DEFINED 3500 0 0
ABBOTT LABS COM 002824100 287 7066 SH SOLE 7066 0 0
ABBOTT LABS COM 002824100 643 15792 SH DEFINED 13292 2500 0
ABERCROMBIE & FITCH 002896207 15 400 SH DEFINED 400 0 0
ABBEY NATIONAL PLC 7.375% PFD 002920700 31 1200 SH SOLE 1200 0 0
ADAMS EXPRESS COMPANY 006212104 13 1085 SH DEFINED 1085 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
ADOBE SYSTEMS INCORPORATED 00724F101 1932 41560 SH SOLE 41210 0 350
ADOBE SYSTEMS INCORPORATED 00724F101 962 20700 SH DEFINED 20300 0 400
AFFILIATED COMPUTER 008190100 6 125 SH SOLE 125 0 0
AGERE SYSTEMS INC CLASS A 00845V100 2 1000 SH SOLE 1000 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 11 SH DEFINED 0 11 0
AGERE SYSTEMS INC CLASS B 00845V209 0 78 SH SOLE 78 0 0
AGERE SYSTEMS INC CLASS B 00845V209 1 884 SH DEFINED 884 0 0
AGILENT TECHNOLOGIES 00846U101 23 815 SH DEFINED 434 381 0
AIR PRODUCTS & CHEMICALS
INC 009158106 682 13015 SH SOLE 12090 0 925
AIR PRODUCTS & CHEMICALS
INC 009158106 475 9075 SH DEFINED 8275 800 0
AIRTRAN HOLDINGS INC COM 00949P108 1 100 SH DEFINED 100 0 0
ALBERTO CULVER CO COM 013068101 167 3350 SH SOLE 3350 0 0
ALBERTO CULVER CO COM 013068101 55 1100 SH DEFINED 500 600 0
ALCOA INC COM 013817101 189 5725 SH SOLE 5725 0 0
ALCOA INC COM 013817101 95 2900 SH DEFINED 2900 0 0
ALLERGAN INC COM 018490102 4 54 SH SOLE 54 0 0
ALLERGAN INC COM 018490102 17 200 SH DEFINED 200 0 0
ALLETE INC 018522102 15 480 SH SOLE 480 0 0
ALLETE INC 018522102 13 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL
MANAGEMENT HOLDING LP 01855A101 6 200 SH SOLE 200 0 0
ALLIANCE CAPITAL
MANAGEMENT HOLDING LP 01855A101 7 225 SH DEFINED 225 0 0
ALLIANCE RESOURCE PARTNERS
L P 01877R108 46 1000 SH DEFINED 1000 0 0
ALLIANT ENERGY CORP COM 018802108 50 1933 SH SOLE 1933 0 0
ALLIANT ENERGY CORP COM 018802108 27 1066 SH DEFINED 1066 0 0
ALLIED CAPITAL CORP NEW 01903Q108 48 2000 SH SOLE 2000 0 0
ALLMERICA FINANCIAL
CORPORATION 019754100 10 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL
CORPORATION 019754100 5 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 93 2000 SH SOLE 2000 0 0
ALLSTATE CORP COM 020002101 55 1184 SH DEFINED 1184 0 0
ALLTELL CORPORATION 020039103 706 13960 SH SOLE 13960 0 0
ALLTELL CORPORATION 020039103 129 2558 SH DEFINED 2558 0 0
ALTERA CORPORATION 021441100 16 725 SH SOLE 725 0 0
ALTRIA GROUP INC 02209S103 81 1630 SH SOLE 1630 0 0
ALTRIA GROUP INC 02209S103 465 9300 SH DEFINED 8800 0 500
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
ALUMINUM CORP CHINA LTD SPONS ADR 022276109 16 300 SH SOLE 300 0 0
AMAZON COM INC COM 023135106 5 100 SH SOLE 100 0 0
AMBAC FINANCIAL GROUP INC 023139108 139 1900 SH DEFINED 1900 0 0
AMEREN CORP COM 023608102 120 2800 SH DEFINED 2800 0 0
AMERICA MOVIL ADR 02364W105 16 450 SH SOLE 450 0 0
AMERICA MOVIL ADR 02364W105 14 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 136 4270 SH SOLE 4270 0 0
AMERICAN ELEC PWR INC COM 025537101 190 5949 SH DEFINED 5426 523 0
AMERICAN EXPRESS CO COM 025816109 149 2911 SH SOLE 2911 0 0
AMERICAN EXPRESS CO COM 025816109 447 8700 SH DEFINED 8700 0 0
AMERICAN INTERNATIONAL
GROUP 026874107 2245 31502 SH SOLE 31102 0 400
AMERICAN INTERNATIONAL
GROUP 026874107 2975 41739 SH DEFINED 38114 2750 875
AMERICAN STANDARD
COMPANIES INC 029712106 60 1500 SH DEFINED 1500 0 0
AMERICAN TOWER CORP
CLASS A 029912201 11 760 SH DEFINED 760 0 0
AMETEK INC (NEW) 031100100 6 200 SH SOLE 200 0 0
AMETEK INC (NEW) 031100100 17 560 SH DEFINED 560 0 0
AMGEN INC 031162100 625 11461 SH SOLE 11461 0 0
AMGEN INC 031162100 197 3620 SH DEFINED 3120 500 0
AMSOUTH BANCORPORATION 032165102 42 1687 SH DEFINED 1687 0 0
MYLIN PHARMECEUTICALS 032346108 11 500 SH DEFINED 0 500 0
ANADARKO PETE CORP COM 032511107 43 735 SH SOLE 735 0 0
ANADARKO PETE CORP COM 032511107 953 16267 SH DEFINED 15367 0 900
ANALOG DEVICES INC 032654105 3 75 SH SOLE 75 0 0
ANGLOGOLD LIMITED ADR'S PV R0.50 035128206 6 200 SH SOLE 200 0 0
ANGLOGOLD LIMITED ADR'S PV R0.50 035128206 41 1300 SH DEFINED 300 1000 0
ANHEUSER BUSCH COS INC COM 035229103 897 16627 SH SOLE 15027 0 1600
ANHEUSER BUSCH COS INC COM 035229103 1248 23115 SH DEFINED 21640 1125 350
ANTHEM INC 03674B104 12 135 SH SOLE 135 0 0
AON CORP 037389103 5 200 SH SOLE 200 0 0
APACHE CORPORATION 037411105 134 3100 SH SOLE 3100 0 0
APOLLO GROUP INC CL A 037604105 82 940 SH DEFINED 540 0 400
APPLEBEE'S INTL INC 037899101 1870 81240 SH SOLE 80265 0 975
APPLEBEE'S INTL INC 037899101 1128 49040 SH DEFINED 43325 3690 2025
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
APPLERA CORP COM CELERA
GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0
APPLIED MATERIALS INC 038222105 15 800 SH SOLE 800 0 0
APPLIED MATERIALS INC 038222105 68 3500 SH DEFINED 3500 0 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 1 100 SH SOLE 100 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 152 3348 SH SOLE 3348 0 0
ATMOS ENERGY 049560105 51 2000 SH DEFINED 2000 0 0
AUTHENTIDATE HOLDING CORP 052666104 10 1000 SH SOLE 1000 0 0
AUTOLIV INC 052800109 2 68 SH SOLE 68 0 0
AUTOMATIC DATA PROCESSING 053015103 1022 24410 SH SOLE 23860 0 550
AUTOMATIC DATA PROCESSING 053015103 1049 25055 SH DEFINED 21555 3500 0
AVAYA INC COM USD .01 053499109 0 33 SH SOLE 33 0 0
AVAYA INC COM USD .01 053499109 36 2311 SH DEFINED 2311 0 0
AVERY DENNISON CORP 053611109 60 950 SH DEFINED 350 600 0
AVON PRODUCTS 054303102 9 200 SH SOLE 200 0 0
AXA ADR 054536107 6 300 SH DEFINED 300 0 0
BB&T CORP 054937107 17 472 SH SOLE 472 0 0
BASF AG ADR 055262505 28 526 SH SOLE 526 0 0
BCE INC COM 05534B109 2 100 SH SOLE 100 0 0
BOC GROUP PLC ADR 055617609 16 500 SH DEFINED 500 0 0
BP PLC 055622104 1133 21157 SH SOLE 21057 0 100
BP PLC 055622104 1751 32706 SH DEFINED 31136 1570 0
BALLARD POWER SYSTEMS INC 05858H104 3 400 SH DEFINED 400 0 0
BANK AMERICA CORP COM 060505104 2614 30895 SH SOLE 30345 0 550
BANK AMERICA CORP COM 060505104 3491 41256 SH DEFINED 40026 1230 0
BANK OF NEW YORK INC 064057102 306 10400 SH SOLE 10400 0 0
BANK OF NEW YORK INC 064057102 84 2868 SH DEFINED 2868 0 0
BK NOVA SCOTIA LA BANQUE
DE NOUVELLE ECOSSE 064149107 5 214 SH SOLE 214 0 0
BANC ONE CORP COM 06423A103 10 200 SH SOLE 200 0 0
BANC ONE CORP COM 06423A103 115 2265 SH DEFINED 2265 0 0
BARD C R INC COM 067383109 8 150 SH SOLE 150 0 0
BARR PHARMACEUTICAL INC 068306109 30 900 SH DEFINED 0 0 900
BAUSCH & LOMB INC COM 071707103 65 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 124 3600 SH SOLE 3600 0 0
BAXTER INTERNATIONAL 071813109 34 1000 SH DEFINED 1000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
BAY VIEW CAPITAL CORP 07262L101 4 2000 SH DEFINED 2000 0 0
BECKMAN COULTER INC 075811109 13 225 SH SOLE 225 0 0
BECTON DICKINSON & COMPANY 075887109 62 1200 SH DEFINED 1200 0 0
BED BATH & BEYOND 075896100 2 75 SH SOLE 75 0 0
BED BATH & BEYOND 075896100 38 1000 SH DEFINED 1000 0 0
BEDFORD PROPERTY INVESTORS
INC 076446301 2 100 SH DEFINED 100 0 0
BELLSOUTH CORP COM 079860102 103 3934 SH SOLE 3934 0 0
BELLSOUTH CORP COM 079860102 701 26782 SH DEFINED 24282 2100 400
BEMA GOLD CORPORATION 08135F107 13 5000 SH DEFINED 0 5000 0
BEST BUY COMPANY INC 086516101 671 13238 SH SOLE 13200 0 38
BEST BUY COMPANY INC 086516101 370 7310 SH DEFINED 6960 350 0
BIOVAIL CORPORATION 09067J109 522 27550 SH SOLE 26650 0 900
BIOVAIL CORPORATION 09067J109 403 21250 SH DEFINED 20175 500 575
BLACK & DECKER CORP COM 091797100 24 400 SH DEFINED 400 0 0
BLOCK H & R INC COM 093671105 5 125 SH SOLE 125 0 0
BLOCK H & R INC COM 093671105 38 800 SH DEFINED 800 0 0
BOEING CO COM 097023105 5 100 SH SOLE 100 0 0
BOEING CO COM 097023105 10 200 SH DEFINED 200 0 0
BOISE CASCADE CORP 097383103 16 437 SH DEFINED 437 0 0
BORDERS GROUP INC. 099709107 5 250 SH SOLE 250 0 0
BOSTON PROPERTIES INC. 101121101 12 250 SH SOLE 250 0 0
BOSTON SCIENTIFIC CORP. 101137107 68 1600 SH DEFINED 1600 0 0
BRIGGS & STRATTON
CORPORATION 109043109 1 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 1360 55520 SH SOLE 52870 0 2650
BRISTOL-MYERS SQUIBB 110122108 2283 93224 SH DEFINED 90524 1700 1000
BROADCOM CORPORATION COM 111320107 5 125 SH SOLE 125 0 0
BROADCOM CORPORATION COM 111320107 13 300 SH DEFINED 0 0 300
BROWN FORMAN DISTILLERS
CORP CLASS 'A' VOTING 115637100 28 600 SH DEFINED 600 0 0
BUCKEYE PIPELINE PARTNERS
LP 118230101 624 15415 SH SOLE 15415 0 0
BUCKEYE PIPELINE PARTNERS
LP 118230101 555 13700 SH DEFINED 13200 500 0
BURLINGTON NORTHERN SANTA
FE CORP 12189T104 26 750 SH SOLE 750 0 0
BURLINGTON NORTHERN SANTA
FE CORP 12189T104 127 3649 SH DEFINED 2529 1120 0
BURLINGTON RESOURCES 122014103 72 2000 SH DEFINED 2000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
CRACKER BARREL GROUP INC 12489V106 25 825 SH SOLE 825 0 0
CSX CORP COM 126408103 39 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 92 2200 SH SOLE 2200 0 0
CVS CORP COM 126650100 485 11565 SH DEFINED 8715 2850 0
CABLE & WIRELESS 126830207 25 3600 SH SOLE 3600 0 0
CAESARS ENTERTAINMENT 127687101 15 1000 SH DEFINED 1000 0 0
CAL DIVE INTL INC 127914109 21 700 SH DEFINED 700 0 0
CALIPER LIFE SCIENCES INC 130872104 10 2200 SH SOLE 2200 0 0
CALPINE CORP 131347106 8 2000 SH DEFINED 2000 0 0
CAMPBELL SOUP CO COM 134429109 53 2000 SH DEFINED 2000 0 0
CAPITAL ONE FINANCIAL 14040H105 3146 46020 SH SOLE 45220 0 800
CAPITAL ONE FINANCIAL 14040H105 1525 22315 SH DEFINED 19690 1750 875
CARDINAL HEALTH 14149Y108 1767 25229 SH SOLE 24554 0 675
CARDINAL HEALTH 14149Y108 911 13020 SH DEFINED 11520 1500 0
CAREER EDUCATION CORP 141665109 1411 30975 SH SOLE 30575 0 400
CAREER EDUCATION CORP 141665109 834 18325 SH DEFINED 17325 0 1000
CARMAX INC 143130102 109 5000 SH SOLE 5000 0 0
CATERPILLAR INC 149123101 23 300 SH SOLE 300 0 0
CATERPILLAR INC 149123101 190 2400 SH DEFINED 2400 0 0
CENDANT CORPORATION 151313103 14 585 SH SOLE 585 0 0
CENDANT CORPORATION 151313103 4 200 SH DEFINED 200 0 0
CENTER BANCORP INC COM 151408101 104 9307 SH DEFINED 9307 0 0
CENTERPOINT ENERGY INC 15189T107 12 1100 SH DEFINED 1100 0 0
CENTURYTEL INC 156700106 84 2800 SH SOLE 2800 0 0
CERTEGY INC 156880106 32 850 SH SOLE 850 0 0
CERTEGY INC 156880106 12 325 SH DEFINED 325 0 0
CHESAPEAKE ENERGY CORP 165167107 33 2300 SH DEFINED 2300 0 0
CHEVRONTEXACO CORP 166764100 2230 23697 SH SOLE 22697 0 1000
CHEVRONTEXACO CORP 166764100 1929 20505 SH DEFINED 19105 1300 100
CHINA MOBILE HONG KONG LTD
ADR 16941M109 69 4600 SH DEFINED 1800 0 2800
CHOICEPOINT INC COM 170388102 63 1400 SH DEFINED 0 0 1400
CHORDIANT SOFTWARE INC. 170404107 1 240 SH DEFINED 240 0 0
THE CHUBB CORPORATION 171232101 1026 15055 SH SOLE 15055 0 0
THE CHUBB CORPORATION 171232101 1060 15550 SH DEFINED 15250 300 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
CHURCH & DWIGHT INC COM 171340102 91 2000 SH DEFINED 2000 0 0
CIGNA INVESTMENT
SECURITIES,INC. 17179X106 34 2191 SH DEFINED 2191 0 0
CIMAREX ENERGY CO 171798101 60 2000 SH DEFINED 2000 0 0
CINERGY CORP 172474108 9 250 SH DEFINED 250 0 0
CISCO SYS INC 17275R102 2060 86932 SH SOLE 86932 0 0
CISCO SYS INC 17275R102 1666 70314 SH DEFINED 68914 0 1400
CINTAS CORP 172908105 176 3700 SH SOLE 3700 0 0
CITIGROUP INC 172967101 2458 52863 SH SOLE 50413 0 2450
CITIGROUP INC 172967101 3783 81368 SH DEFINED 80938 430 0
CITRIX SYSTEMS INC 177376100 2 100 SH DEFINED 100 0 0
CITY NATIONAL CORP 178566105 11 175 SH SOLE 175 0 0
CLEAR CHANNEL
COMMUNICATIONS 184502102 1132 30647 SH SOLE 30647 0 0
CLEAR CHANNEL
COMMUNICATIONS 184502102 1068 28925 SH DEFINED 27625 800 500
CLOROX CO DEL COM 189054109 80 1500 SH SOLE 1500 0 0
CLOROX CO DEL COM 189054109 5 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 166 3307 SH SOLE 3307 0 0
COCA COLA CO COM 191216100 353 7000 SH DEFINED 6500 500 0
COGNIZANT TECHNOLOGY CO 192446102 13 546 SH DEFINED 546 0 0
COLGATE PALMOLIVE CO COM 194162103 828 14168 SH SOLE 14068 0 100
COLGATE PALMOLIVE CO COM 194162103 972 16637 SH DEFINED 16287 350 0
COMCAST CORP NEW CLASS A 20030N101 42 1501 SH SOLE 1501 0 0
COMCAST CORP NEW CLASS A 20030N101 127 4547 SH DEFINED 4264 283 0
COMERICA INC. CO 200340107 53 975 SH DEFINED 375 600 0
COMPASS BANCSHARES INC COM 20449H109 10 250 SH SOLE 250 0 0
CONAGRA FOODS INC COM 205887102 54 2000 SH SOLE 2000 0 0
CONAGRA FOODS INC COM 205887102 43 1600 SH DEFINED 600 1000 0
CONOCOPHILLIPS CORP 20825C104 63 832 SH SOLE 832 0 0
CONOCOPHILLIPS CORP 20825C104 836 10970 SH DEFINED 9970 0 1000
CONSOLIDATED EDISON COM 209115104 109 2750 SH SOLE 2750 0 0
CONSOLIDATED EDISON COM 209115104 25 648 SH DEFINED 648 0 0
CONSTELLATION BRANDS INC
CL A 21036P108 337 9100 SH SOLE 8900 0 200
CONSTELLATION BRANDS INC
CL A 21036P108 699 18850 SH DEFINED 17050 350 1450
CONSTELLATION ENERGY GROUP
INC COM 210371100 7 206 SH SOLE 206 0 0
CONSTELLATION ENERGY GROUP
INC COM 210371100 90 2400 SH DEFINED 2400 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
CONTINENTAL AIRLINES INC
CL B 210795308 6 600 SH DEFINED 600 0 0
CORINTHIAN COLLEGES INC 218868107 251 10189 SH SOLE 10125 0 64
CORINTHIAN COLLEGES INC 218868107 280 11350 SH DEFINED 10750 600 0
CORN PRODS INTL INC COM 219023108 27 600 SH DEFINED 600 0 0
CORNING INC 219350105 53 4100 SH SOLE 4100 0 0
CORNING INC 219350105 101 7750 SH DEFINED 7750 0 0
CORPORATE HIGH YIELD FUND
III INC 219925104 15 2000 SH DEFINED 2000 0 0
CORRECTIONS CORP AMER NEW 22025Y407 3 100 SH DEFINED 100 0 0
COSTCO WHOLESALE
CORPORATION 22160K105 2902 70485 SH SOLE 69835 0 650
COSTCO WHOLESALE
CORPORATION 22160K105 1599 38850 SH DEFINED 35700 2350 800
COUNTRYWIDE CREDIT INC 222372104 9 142 SH SOLE 142 0 0
COX COMMUNICATIONS INC
NEW CL A 224044107 16 604 SH DEFINED 604 0 0
CUMMINS ENGINE INC 231021106 250 4000 SH DEFINED 4000 0 0
CYTEC INDUSTRIES INC 232820100 0 10 SH SOLE 10 0 0
DTE ENERGY CO COM 233331107 71 1775 SH SOLE 1775 0 0
DTE ENERGY CO COM 233331107 127 3154 SH DEFINED 3154 0 0
DANAHER CORP 235851102 15 290 SH SOLE 290 0 0
DARDEN RESTAURANTS 237194105 14 725 SH SOLE 725 0 0
DARDEN RESTAURANTS 237194105 20 1000 SH DEFINED 1000 0 0
DATATEC SYSTEMS INC 238128102 0 500 SH DEFINED 500 0 0
DEAN FOODS COMPANY 242370104 300 8050 SH SOLE 8050 0 0
DEAN FOODS COMPANY 242370104 208 5600 SH DEFINED 5600 0 0
DECODE GENETICS INC 243586104 5 619 SH DEFINED 619 0 0
DEERE & COMPANY 244199105 87 1250 SH SOLE 1250 0 0
DEERE & COMPANY 244199105 666 9500 SH DEFINED 9000 0 500
DEL MONTE FOODS CO 24522P103 6 637 SH SOLE 637 0 0
DEL MONTE FOODS CO 24522P103 2 198 SH DEFINED 198 0 0
DELL INC 24702R101 2337 65284 SH SOLE 63784 0 1500
DELL INC 24702R101 1807 50465 SH DEFINED 45740 3175 1550
DELPHI CORPORATION CORP 247126105 1 116 SH SOLE 116 0 0
DELPHI CORPORATION CORP 247126105 4 410 SH DEFINED 313 97 0
DELTIC TIMBER CORP 247850100 191 5000 SH DEFINED 5000 0 0
DENTSPLY INTERNATIONAL INC 249030107 10 200 SH SOLE 200 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
DEPOMED INC 249908104 4 1000 SH SOLE 1000 0 0
DEVELOPERS DIVERSIFIED 251591103 6 179 SH DEFINED 179 0 0
DEVON ENERGY CORPORATION
NEW COM 25179M103 26 400 SH DEFINED 0 400 0
DIAMONDS TRUST SER I 252787106 20 200 SH DEFINED 200 0 0
DIEBOLD INC 253651103 5 100 SH SOLE 100 0 0
DIEBOLD INC 253651103 232 4400 SH DEFINED 4400 0 0
DISNEY WALT CO COM DISNEY 254687106 1317 51691 SH SOLE 51691 0 0
DISNEY WALT CO COM DISNEY 254687106 875 34352 SH DEFINED 32329 2023 0
DOLLAR TREE STORES INC 256747106 5 200 SH DEFINED 200 0 0
DOMINION RES INC 25746U109 40 639 SH SOLE 639 0 0
DOMINION RES INC 25746U109 493 7817 SH DEFINED 6721 1096 0
DONALDSON INC 257651109 839 28650 SH SOLE 28650 0 0
DONALDSON INC 257651109 402 13750 SH DEFINED 13750 0 0
DOVER CORPORATION 260003108 120 2865 SH SOLE 2865 0 0
DOW CHEM CO COM 260543103 440 10819 SH SOLE 10819 0 0
DOW CHEM CO COM 260543103 488 11997 SH DEFINED 9597 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 402 9072 SH SOLE 9072 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 718 16190 SH DEFINED 14990 0 1200
DUKE ENERGY CORP COM 264399106 472 23314 SH SOLE 23314 0 0
DUKE ENERGY CORP COM 264399106 328 16183 SH DEFINED 14383 1800 0
DUN & BRADSTREET CORP DEL NEW COM 26483E100 32 600 SH SOLE 600 0 0
DYAX CORPORATION 26746E103 23 2000 SH SOLE 2000 0 0
E M C CORPORATION 268648102 150 13175 SH SOLE 13175 0 0
E M C CORPORATION 268648102 126 11060 SH DEFINED 11060 0 0
EMS TECHNOLOGIES INC 26873N108 5 300 SH DEFINED 300 0 0
EOG RES INC 26875P101 149 2500 SH DEFINED 2500 0 0
EP MEDSYSTEMS INC 26881P103 2 1000 SH DEFINED 1000 0 0
E*TRADE FINANCIAL CORP 269246104 8 800 SH DEFINED 800 0 0
EASTMAN CHEMICAL COMPANY 277432100 4 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 6 225 SH SOLE 225 0 0
EASTMAN KODAK CO COM 277461109 19 725 SH DEFINED 225 0 500
EASYLINK SERVICES CORP
CLASS A 27784T200 0 150 SH DEFINED 150 0 0
EATON VANCE CORP 278265103 38 1000 SH SOLE 1000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
EBAY INC 278642103 25 280 SH SOLE 280 0 0
EL PASO CORPORATION 28336L109 15 2000 SH DEFINED 2000 0 0
ELECTRONIC ARTS INC 285512109 5 100 SH SOLE 100 0 0
EMERSON ELEC CO COM 291011104 200 3150 SH SOLE 3150 0 0
EMERSON ELEC CO COM 291011104 734 11558 SH DEFINED 11558 0 0
ENBRIDGE ENERGY PARTNERS
L P 29250R106 185 4000 SH SOLE 4000 0 0
ENBRIDGE ENERGY PARTNERS
L P 29250R106 328 7100 SH DEFINED 6300 800 0
ENBRIDGE ENERGY MANAGEMENT
LLC 29250X103 9 214 SH SOLE 214 0 0
ENERGEN CORP COM 29265N108 57 1200 SH DEFINED 1200 0 0
ENERGY EAST CORP COM 29266M109 144 5950 SH DEFINED 5950 0 0
ENERPLUS RESOURCES FUND
TRUST UNITS 29274D604 253 8900 SH DEFINED 4500 4400 0
ENGELHARD CORP COM 292845104 7 225 SH SOLE 225 0 0
ENGELHARD CORP COM 292845104 81 2530 SH DEFINED 2530 0 0
ENTERGY CORP NEW COM 29364G103 140 2500 SH DEFINED 2500 0 0
ENTREMED INC COM 29382F103 1 700 SH DEFINED 400 0 300
EQUIFAX, INC. 294429105 42 1700 SH SOLE 1700 0 0
EQUIFAX, INC. 294429105 16 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 2 50 SH SOLE 50 0 0
EQUITABLE RESOURCES 294549100 51 1000 SH DEFINED 1000 0 0
EQUITY INCOME FUND EXCHANGE
SER.AT&T SHS 1ST 294700703 46 576 SH DEFINED 576 0 0
EQUITY OFFICE PPTYS TR COM 294741103 5 190 SH SOLE 190 0 0
EQUITY OFFICE PPTYS TR COM 294741103 27 1000 SH DEFINED 1000 0 0
EQUITY RESIDENTIAL SBI 29476L107 37 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL SBI 29476L107 5 200 SH DEFINED 200 0 0
ERICSSON TELEPHONE CO ADR 294821608 7 240 SH SOLE 240 0 0
EVERGREEN INC ADVANTAGE
FUND 30023Y105 0 9 SH SOLE 9 0 0
EXATECH INC 30064E109 21 1000 SH DEFINED 1000 0 0
EXELON CORP COM 30161N101 39 1188 SH DEFINED 1188 0 0
EXXON MOBIL CORP COM 30231G102 5532 124596 SH SOLE 123396 0 1200
EXXON MOBIL CORP COM 30231G102 11894 267903 SH DEFINED 239979 16340 11584
FPL GROUP INC COM 302571104 335 5250 SH SOLE 5250 0 0
FPL GROUP INC COM 302571104 364 5700 SH DEFINED 5700 0 0
FAMILY DEALER STORES INC 307000109 2 70 SH SOLE 70 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
FEDERAL HOME LOAN MORTGAGE
CORPORATION COMMON 313400301 15 240 SH SOLE 240 0 0
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 1146 16068 SH SOLE 16014 0 54
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 746 10455 SH DEFINED 8505 1950 0
FEDERAL REALTY INVESTMENT
TRUST 313747206 17 423 SH DEFINED 423 0 0
FEDERATED DEPARTMENT STORES
INC 31410H101 6 135 SH SOLE 135 0 0
FEDEX CORPORATION 31428X106 40 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 10 200 SH SOLE 200 0 0
FIRST DATA CORPORATION 319963104 2816 63258 SH SOLE 61133 0 2125
FIRST DATA CORPORATION 319963104 734 16500 SH DEFINED 13675 2825 0
FIRSTENERGY CORP COM 337932107 26 700 SH DEFINED 700 0 0
FLAHERTY & CRUMRINE PFD
SECS INCOME FUND 338478100 0 17 SH SOLE 17 0 0
FLOWER FOODS INC 343498101 29 1125 SH DEFINED 1125 0 0
FORD MOTOR CO DEL 345370860 41 2680 SH SOLE 2680 0 0
FORDING CANADIAN COAL 345425102 176 4200 SH DEFINED 4200 0 0
FOREST LABORATORIES INC 345838106 1397 24680 SH SOLE 23850 0 830
FOREST LABORATORIES INC 345838106 909 16065 SH DEFINED 15565 100 400
FORTUNE BRANDS INC COM 349631101 1546 20505 SH SOLE 20505 0 0
FORTUNE BRANDS INC COM 349631101 850 11275 SH DEFINED 10075 1200 0
FRANKLIN RESOURCES INC 354613101 48 965 SH SOLE 965 0 0
GABELLI CONVERTIBLE AND
INCOME FUND 36240B109 8 800 SH SOLE 800 0 0
GABLES RESIDENTIAL TRUST 362418105 33 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC
SPONSORED ADR 363595109 103 2137 SH DEFINED 2137 0 0
GANNETT COMPANY INC 364730101 92 1085 SH SOLE 1085 0 0
GAP INC 364760108 11 470 SH SOLE 470 0 0
GENENTECH INC 368710406 1299 23125 SH SOLE 23125 0 0
GENENTECH INC 368710406 1195 21275 SH DEFINED 20675 0 600
GENERAL DYNAMICS CORP 369550108 42 425 SH SOLE 425 0 0
GENERAL ELEC CO COM 369604103 7127 220047 SH SOLE 217097 0 2950
GENERAL ELEC CO COM 369604103 8658 267328 SH DEFINED 246480 17848 3000
GENERAL MILLS, INC 370334104 36 775 SH SOLE 775 0 0
GENERAL MILLS, INC 370334104 47 1000 SH DEFINED 1000 0 0
GENERAL MTRS CORP COM 370442105 421 9037 SH SOLE 9037 0 0
GENERAL MTRS CORP COM 370442105 394 8467 SH DEFINED 7077 1390 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
GENERAL MOTORS CLASS H NEW 370442832 0 10 SH DEFINED 0 10 0
GENVEC INC 37246C109 1 500 SH DEFINED 500 0 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 118 3193 SH DEFINED 3193 0 0
GILLETTE COMPANY 375766102 165 3900 SH SOLE 3900 0 0
GILLETTE COMPANY 375766102 135 3200 SH DEFINED 3200 0 0
GLAMIS GOLD LTD COMMON 376775102 17 1000 SH DEFINED 0 1000 0
GLAXO SMITHKLINE PLC
SPONSORED ADR 37733W105 296 7162 SH SOLE 7162 0 0
GLAXO SMITHKLINE PLC
SPONSORED ADR 37733W105 174 4212 SH DEFINED 4212 0 0
GOLDCORP INC 380956409 11 1000 SH DEFINED 0 1000 0
GOLDEN STAR RESOURCES LTD 38119T104 13 3000 SH DEFINED 0 3000 0
GOLDMAN SACHS GROUP 38141G104 108 1150 SH SOLE 1150 0 0
GOLDMAN SACHS GROUP 38141G104 189 2010 SH DEFINED 2010 0 0
GREAT PLAINS ENERGY INC 391164100 5 200 SH SOLE 200 0 0
GUIDANT CORP COM 401698105 78 1408 SH SOLE 1408 0 0
GULFTERRA ENERGY PARTNERS
LP 40274U108 7 200 SH SOLE 200 0 0
GULFTERRA ENERGY PARTNERS
LP 40274U108 5 150 SH DEFINED 150 0 0
HRPT PPTYS TR COMM SH BEN
INT 40426W101 10 1000 SH SOLE 1000 0 0
HRPT PPTYS TR COMM SH BEN
INT 40426W101 80 8000 SH DEFINED 8000 0 0
HSBC HOLDINGS ADR 404280406 14 198 SH SOLE 198 0 0
HSBC HOLDINGS ADR 404280406 67 897 SH DEFINED 802 95 0
HAIN CELESTIAL GROUP INC 405217100 11 650 SH DEFINED 650 0 0
HALLIBURTON CO COM 406216101 6 204 SH SOLE 204 0 0
HALLIBURTON CO COM 406216101 221 7332 SH DEFINED 7332 0 0
JOHN HANCOCK INCOME SECURITIES TRUST 410123103 3 267 SH DEFINED 267 0 0
HANCOCK JOHN PATRIOT
PREMIUM DIVIDEND FUND II 41013T105 11 1100 SH DEFINED 1100 0 0
HARLEY DAVIDSON 412822108 216 3500 SH SOLE 3500 0 0
HARLEY DAVIDSON 412822108 74 1200 SH DEFINED 1200 0 0
HARLEYSVILLE GROUP INC. 412824104 15 800 SH SOLE 800 0 0
HARMONY GOLD MINING ADR 413216300 10 1000 SH DEFINED 0 1000 0
HARRAHS ENTERTAINMENT INC 413619107 8 150 SH SOLE 150 0 0
HARRIS CORP 413875105 20 400 SH SOLE 400 0 0
HARRIS CORP 413875105 20 400 SH DEFINED 400 0 0
HARTFORD FINL SVCS GROUP
INC COM 416515104 75 1100 SH SOLE 1100 0 0
HARTFORD FINL SVCS GROUP
INC COM 416515104 76 1112 SH DEFINED 1112 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
HAWAIIAN ELECTRIC
INDUSTRIES INC 419870100 26 1000 SH SOLE 1000 0 0
HAWKINS INC 420261109 31 2600 SH SOLE 2600 0 0
H.J. HEINZ COMPANY 423074103 29 755 SH SOLE 755 0 0
H.J. HEINZ COMPANY 423074103 35 910 SH DEFINED 910 0 0
HERSHEY FOODS CORP COM 427866108 3 70 SH SOLE 70 0 0
HERSHEY FOODS CORP COM 427866108 277 6000 SH DEFINED 4800 0 1200
HEWLETT PACKARD CO COM 428236103 39 1870 SH SOLE 1870 0 0
HEWLETT PACKARD CO COM 428236103 137 6505 SH DEFINED 3305 2000 1200
HITACHI LTD ADR 433578507 2 30 SH SOLE 30 0 0
HOME DEPOT, INC 437076102 2097 59597 SH SOLE 56897 0 2700
HOME DEPOT, INC 437076102 2390 67917 SH DEFINED 65717 1050 1150
HONEYWELL INTERNATIONAL
INC COM 438516106 116 3179 SH SOLE 3179 0 0
HONEYWELL INTERNATIONAL
INC COM 438516106 199 5458 SH DEFINED 5458 0 0
HUDSON CITY BANCORP 443683107 167 5000 SH SOLE 5000 0 0
HUDSON CITY BANCORP 443683107 73 2200 SH DEFINED 2200 0 0
HUDSON UNITED BANCORP 444165104 18 500 SH DEFINED 500 0 0
IMS HEALTH INCORPORATED 449934108 61 2632 SH DEFINED 2632 0 0
ITT INDUSTRIES INC COM 450911102 45 550 SH SOLE 550 0 0
ITT INDUSTRIES INC COM 450911102 46 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 44 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 8 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 108 4000 SH DEFINED 4000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 34 361 SH DEFINED 361 0 0
INDYMAC BANCORP INC 456607100 31 1000 SH DEFINED 1000 0 0
INTEL CORP COM 458140100 1872 67860 SH SOLE 66010 0 1850
INTEL CORP COM 458140100 1963 71180 SH DEFINED 67180 4000 0
INTERACTIVECORP 45840Q101 2 77 SH SOLE 77 0 0
INTERMEDIATE MUNICIPAL
FUND INC 45880P104 18 2000 DEFINED 2000 0 0
INTL BUSINESS MACHINE CORP COMMON 459200101 3025 34320 SH SOLE 33120 0 1200
INTL BUSINESS MACHINE CORP COMMON 459200101 5022 56973 SH DEFINED 54101 1272 1600
INTERNATIONAL FLAVORS AND FRAGRANCES,INC. 459506101 8 225 SH SOLE 225 0 0
INTL PAPER CO COM 460146103 162 3626 SH DEFINED 3626 0 0
INTERNET HOLDERS TRUST 46059W102 6 100 SH SOLE 100 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
INTERPUBLIC GROUP OF
COMPANIES INC 460690100 2 150 SH SOLE 150 0 0
INTEVAC INC 461148108 29 3300 SH DEFINED 0 3300 0
INTUIT 461202103 3 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 49 683 SH DEFINED 683 0 0
I SHARES INC 464286608 5 95 SH DEFINED 95 0 0
ISHARES TR S&P 500 INDEX
FUND 464287200 30 269 SH SOLE 269 0 0
ISHARES TR S&P 500 INDEX
FUND 464287200 11 100 SH DEFINED 100 0 0
I SHARES TR S&P MIDCAP 400 INDEX FD 464287507 20 165 SH SOLE 0 0 165
I SHARES TR S&P MIDCAP 400 INDEX FD 464287507 9 80 SH DEFINED 80 0 0
ISHARES TR COHEN & STEERS
REALTY MAJORS INDEX FD 464287564 10 94 SH SOLE 94 0 0
I SHARES TR S&P MIDCAP 400
BARRA GRWTH INDEX FD 464287606 9 80 SH SOLE 80 0 0
ISHARES TR RUSSELL 2000 INDEX FUND 464287655 48 415 SH SOLE 415 0 0
I SHARES TR DOW JONES US INDL SECTOR INDEX FD 464287754 33 645 SH SOLE 245 0 400
I SHARES TR DOW JONES US INDL SECTOR INDEX FD 464287754 12 235 SH DEFINED 235 0 0
I SHARES TR S&P SMALLCAP
600BARRA GRWTH INDEX FD 464287887 10 110 SH SOLE 110 0 0
I SHARES TR S&P SMALLCAP
600BARRA GRWTH INDEX FD 464287887 6 65 SH DEFINED 65 0 0
IVAX CORP 465823102 4 200 SH DEFINED 200 0 0
J P MORGAN CHASE & CO 46625H100 657 16955 SH SOLE 16955 0 0
J P MORGAN CHASE & CO 46625H100 1797 46357 SH DEFINED 44877 1480 0
JABIL CIRCUIT INC 466313103 3 150 SH SOLE 150 0 0
JABIL CIRCUIT INC 466313103 6 250 SH DEFINED 250 0 0
JEFFERSON PILOT CORPORATION 475070108 43 859 SH SOLE 859 0 0
JEFFERSON PILOT CORPORATION 475070108 43 859 SH DEFINED 859 0 0
JETBLUE AIRWAYS 477143101 8 300 SH DEFINED 300 0 0
JOHNSON & JOHNSON COM 478160104 3575 64196 SH SOLE 62596 0 1600
JOHNSON & JOHNSON COM 478160104 7705 138348 SH DEFINED 131273 5225 1850
JOHNSON CTLS INC COM 478366107 32 600 SH SOLE 600 0 0
JOHNSON CTLS INC COM 478366107 192 3600 SH DEFINED 3600 0 0
JUNIPER NETWORKS 48203R104 2 100 SH SOLE 100 0 0
KADANT INC 48282T104 1 69 SH DEFINED 69 0 0
KANEB PIPE LINE PARTNERS LP 484169107 256 5600 SH DEFINED 5600 0 0
KEMET CORP 488360108 12 1000 SH DEFINED 1000 0 0
KERR MCGEE CORP 492386107 0 18 SH DEFINED 18 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
KEYSPAN CORP COM 49337W100 77 2112 SH SOLE 2112 0 0
KEYSPAN CORP COM 49337W100 49 1341 SH DEFINED 1341 0 0
KEYSTONE PROPERTY TRUST MD 493596100 38 1600 SH DEFINED 1600 0 0
KIMBERLY-CLARK CORPORATION 494368103 268 4074 SH SOLE 4074 0 0
KIMBERLY-CLARK CORPORATION 494368103 200 3050 SH DEFINED 3050 0 0
KIMCO REALTY CORPORATION 49446R109 311 6850 SH SOLE 6850 0 0
KIMCO REALTY CORPORATION 49446R109 464 10200 SH DEFINED 8450 1750 0
KINDER MORGAN ENERGY
PARTNERS L P 494550106 3 75 SH SOLE 75 0 0
KINDER MORGAN ENERGY
PARTNERS L P 494550106 215 5300 SH DEFINED 5300 0 0
KING PHARMACEUTICALS INC 495582108 22 2000 SH SOLE 2000 0 0
KNIGHT-RIDDER INC 499040103 1588 22063 SH SOLE 20913 0 1150
KNIGHT-RIDDER INC 499040103 1312 18225 SH DEFINED 16200 1150 875
KONINKLIJKE PHILIPS ELECTRS
N V SP ADR 500472303 7 291 SH DEFINED 291 0 0
KRAFT FOODS INC 50075N104 31 1000 SH DEFINED 1000 0 0
KRAMONT REALTY TRUST COM 50075Q107 12 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 5 300 SH DEFINED 300 0 0
KROGER COMPANY COM 501044101 3 200 SH SOLE 200 0 0
KROGER COMPANY COM 501044101 38 2100 SH DEFINED 2100 0 0
KROLL INC 501049100 11 300 SH SOLE 300 0 0
L-3 COMMUNICATIONS HLDGS
INC 502424104 1001 14992 SH SOLE 14892 0 100
L-3 COMMUNICATIONS HLDGS
INC 502424104 1090 16325 SH DEFINED 14250 1050 1025
LEAP FROG 52186N106 271 13650 SH SOLE 11450 0 2200
LEAP FROG 52186N106 146 7375 SH DEFINED 7375 0 0
LEHMAN BROTHERS HOLDINGS
INC 524908100 7 100 SH SOLE 100 0 0
LENNAR CORP 526057104 89 2000 SH DEFINED 2000 0 0
LENNAR CORPORATION CLASS B
COMMON 526057302 8 200 SH DEFINED 200 0 0
LIFELINE SYSTEMS INC 532192101 23 1000 SH SOLE 1000 0 0
LILLY ELI & CO COM 532457108 76 1097 SH SOLE 1097 0 0
LILLY ELI & CO COM 532457108 579 8296 SH DEFINED 7896 0 400
LINCOLN NATIONAL CORP 534187109 75 1600 SH SOLE 1600 0 0
LOCKHEED MARTIN CORP 539830109 348 6700 SH SOLE 6700 0 0
LOCKHEED MARTIN CORP 539830109 5 100 SH DEFINED 100 0 0
LOWES COMPANIES INC 548661107 939 17883 SH SOLE 17883 0 0
LOWES COMPANIES INC 548661107 430 8200 SH DEFINED 7100 1100 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
LUBRIZOL CORP COM 549271104 73 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 38 10187 SH SOLE 10187 0 0
LUCENT TECHNOLOGY INC 549463107 111 29465 SH DEFINED 28857 608 0
MBIA, INC 55262C100 1714 30025 SH SOLE 29625 0 400
MBIA, INC 55262C100 1243 21775 SH DEFINED 19775 600 1400
MBNA CORPORATION 55262L100 18 723 SH SOLE 723 0 0
MBNA CORPORATION 55262L100 87 3400 SH DEFINED 1400 0 2000
MFS CHARTER INCOME TRUST 552727109 57 6850 SH SOLE 6850 0 0
MGI PHARMACEUTICALS 552880106 16 600 SH DEFINED 600 0 0
MACK-CALI REALTY CORP 554489104 16 400 SH SOLE 400 0 0
SMITH BARNEY MANAGED
MUNICIPALS PORTFOLIO,INC. 561662107 21 2000 DEFINED 2000 0 0
MANULIFE FINANCIAL CORP 56501R106 48 1200 SH DEFINED 1200 0 0
MARATHON OIL CORP 565849106 45 1200 SH DEFINED 1200 0 0
MARSH & MCLENNAN INC 571748102 23 525 SH SOLE 525 0 0
MARSHALL & ILSLEY CORP 571834100 565 14465 SH SOLE 13765 0 700
MARSHALL & ILSLEY CORP 571834100 461 11800 SH DEFINED 11400 0 400
MARRIOTT INTERNATIONAL-A 571903202 49 1000 SH DEFINED 1000 0 0
MASSMUTUAL PARTN INVS SH
BEN INT 576299101 57 5200 SH SOLE 5200 0 0
MAYTAG CORPORATION 578592107 12 500 SH SOLE 500 0 0
MAYTAG CORPORATION 578592107 10 425 SH DEFINED 425 0 0
MCCLATCHY COMPANY 579489105 355 5069 SH SOLE 5069 0 0
MCCLATCHY COMPANY 579489105 259 3700 SH DEFINED 3700 0 0
MCCORMICK & CO INC COMMON
NON-VOTING 579780206 948 27885 SH SOLE 27785 0 100
MCCORMICK & CO INC COMMON
NON-VOTING 579780206 1436 42250 SH DEFINED 40950 700 600
MCDATA CORPORATION-CLASS A 580031201 0 9 SH SOLE 9 0 0
MCDONALDS CORP COM 580135101 5 200 SH SOLE 200 0 0
MCDONALDS CORP COM 580135101 57 2200 SH DEFINED 2200 0 0
MCGRAW HILL COMPANIES INC 580645109 79 1035 SH SOLE 1035 0 0
MCGRAW HILL COMPANIES INC 580645109 128 1680 SH DEFINED 1680 0 0
MCKESSON CORPORATION 58155Q103 5 148 SH DEFINED 148 0 0
MEADWESTVACO CORP 583334107 93 3180 SH DEFINED 2000 1180 0
MEDAREX INC 583916101 2 400 SH DEFINED 400 0 0
MEDCO HEALTH SOLUTIONS 58405U102 14 378 SH SOLE 378 0 0
MEDCO HEALTH SOLUTIONS 58405U102 86 2314 SH DEFINED 2170 144 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
MEDTRONIC INC 585055106 66 1355 SH SOLE 1355 0 0
MEDTRONIC INC 585055106 182 3740 SH DEFINED 3740 0 0
MELLON FINANCIAL CORP COM 58551A108 29 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 18 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 906 19094 SH SOLE 19094 0 0
MERCK & CO INC COM 589331107 2720 57270 SH DEFINED 55770 1200 300
MERCURY INTERACTIVE CORP 589405109 14 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 140 2600 SH DEFINED 2600 0 0
METLIFE INC 59156R108 107 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 1486 52055 SH SOLE 52055 0 0
MICROSOFT CORP 594918104 1909 66900 SH DEFINED 60100 4850 1950
S&P DEPOSITORY RECEIPT MIDCAP TR UNIT 595635103 12 110 SH SOLE 110 0 0
MIDDLESEX WATER CO COM 596680108 77 4000 SH DEFINED 4000 0 0
MILLENNIUM PHARMACEUTICALS 599902103 11 800 SH DEFINED 800 0 0
MIPS TECHNOLOGIES INC
CLASS A 604567107 0 27 SH DEFINED 27 0 0
ROBERT MONDAVI 609200100 3 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 26 676 SH SOLE 676 0 0
MONSANTO CO NEW 61166W101 16 418 SH DEFINED 418 0 0
MOODYS CORP 615369105 38 600 SH SOLE 600 0 0
MORGAN STANLEY COMPANY 617446448 64 1225 SH SOLE 1225 0 0
MORGAN STANLEY COMPANY 617446448 299 5684 SH DEFINED 5684 0 0
MOTOROLA,INC 620076109 5 300 SH SOLE 300 0 0
MOTOROLA,INC 620076109 210 11550 SH DEFINED 8850 300 2400
MUNIHOLDING NY INSD FUND
INC 625931100 16 1253 DEFINED 1253 0 0
MUNIHOLDINGS NEW JERSEY
INS D FUND INC 625936109 98 7200 DEFINED 7200 0 0
MURPHY OIL CORPORATION 626717102 147 2000 SH DEFINED 2000 0 0
MYLAN LABORATORIES INC 628530107 45 2250 SH SOLE 2250 0 0
MYLAN LABORATORIES INC 628530107 30 1500 SH DEFINED 1500 0 0
NCR CORP NEW 62886E108 17 347 SH DEFINED 297 50 0
NUI HOLDING CORP 629431107 7 500 SH DEFINED 500 0 0
NAM TAI ELECTRONICS 629865205 22 1055 SH SOLE 1055 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 9 260 SH DEFINED 260 0 0
NASTECH PHARMACETICAL 631728409 15 1500 SH DEFINED 1500 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
NATIONAL CITY CORP 635405103 40 1150 SH SOLE 1150 0 0
NATIONAL CITY CORP 635405103 42 1200 SH DEFINED 0 1200 0
NATIONAL FUEL GAS CO N J COM 636180101 74 2992 SH DEFINED 2992 0 0
NATIONWIDE FINANCIAL
SERVIC ES CLASS A 638612101 4 112 SH DEFINED 112 0 0
NAUTILUS GROUP INC 63910B102 19 1000 SH DEFINED 1000 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NETWORK APPLIANCE INC 64120L104 7 350 SH SOLE 350 0 0
NEUROGEN CORP 64124E106 7 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES
CORPORATION 646025106 328 7900 SH SOLE 7900 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 9 400 SH SOLE 400 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 25 1100 SH DEFINED 0 1100 0
NEW YORK TIMES CO 650111107 156 3500 SH DEFINED 3500 0 0
NEWMONT MINING CORP 651639106 131 3400 SH DEFINED 1200 1500 700
NEWS CORP LTD ADR 652487703 5 150 SH SOLE 150 0 0
NEWS CORP LTD ADR 652487703 10 300 SH DEFINED 300 0 0
NEWS CORP LTD SPNSRD ADR
REPRSNTNG 4 LTD VTG PFD 652487802 5 176 SH DEFINED 175 1 0
NEWTEK BUSINESS SERVICES
INCCOM 652526104 7 2000 SH DEFINED 2000 0 0
NEXTEL COMMUNICATIONS INC
CL A 65332V103 7 300 SH SOLE 300 0 0
NEXTEL COMMUNICATIONS INC
CL A 65332V103 27 1020 SH DEFINED 1020 0 0
NISOURCE INC COM 65473P105 10 500 SH SOLE 500 0 0
NISOURCE INC COM 65473P105 88 4300 SH DEFINED 4300 0 0
NOBEL LEARNING COMMUNITIES
INC 654889104 27 4000 SH DEFINED 4000 0 0
NOKIA CORPORATION ADR 654902204 203 14027 SH SOLE 14027 0 0
NOKIA CORPORATION ADR 654902204 32 2250 SH DEFINED 1650 0 600
NORAM ENERGY CORP SUB DEB CONV 6% 3/15/12 655419AC3 24 25000 PRN DEFINED 25000 0 0
NORDSON CORP 655663102 13 300 SH DEFINED 300 0 0
NORFOLK SOUTHERN CORP COM 655844108 187 7055 SH SOLE 7055 0 0
NORFOLK SOUTHERN CORP COM 655844108 134 5060 SH DEFINED 4700 360 0
NORTEL NETWORKS CORP NEW 656568102 20 4100 SH DEFINED 3100 0 1000
NORTH EUROPEAN OIL ROYALTY
TRUST BEN. INTEREST 659310106 79 3209 SH SOLE 3209 0 0
NORTHERN BORDER PARTNERS
L P UNIT LTD PARTN 664785102 50 1275 SH SOLE 1275 0 0
NORTHERN BORDER PARTNERS
L P UNIT LTD PARTN 664785102 295 7400 SH DEFINED 7400 0 0
NORTHERN TRUST CORP 665859104 25 600 SH SOLE 600 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
NORTHROP GRUMMAN CORP 666807102 47 880 SH SOLE 880 0 0
NORTHROP GRUMMAN CORP 666807102 151 2828 SH DEFINED 2828 0 0
NOVARTIS AG ADRS 66987V109 15 355 SH SOLE 355 0 0
NU HORIZON ELECTRONICS CORP 669908105 9 1000 SH DEFINED 1000 0 0
NOVELL INC 670006105 0 100 SH DEFINED 100 0 0
NOVELLUS SYSTEMS 670008101 9 300 SH DEFINED 300 0 0
NUCOR CORP 670346105 7 100 SH SOLE 100 0 0
NUVEEN PERFORMANCE PLUS MUNICIPAL FUND 67062P108 20 1500 SOLE 1500 0 0
NUVEEN MUNICIPAL MARKET OPPORTUNITY FD COM 67062W103 40 3000 SH DEFINED 3000 0 0
NUVEEN REAL ESTATE INCOME
FUND 67071B108 5 300 SH SOLE 300 0 0
OGE ENERGY CO. 670837103 50 2000 SH SOLE 2000 0 0
OGE ENERGY CO. 670837103 10 400 SH DEFINED 400 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 122 8658 SOLE 8658 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 98 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL
OPPORTUNITY FUND INC 670984103 57 4070 SOLE 4070 0 0
NUVEEN INSD MUNICIPAL
OPPORTUNITY FUND INC 670984103 45 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED
MUNICIPAL INCOME FUND 670987106 23 1650 DEFINED 1650 0 0
NUVEEN NJ PREMIUM INCOME 67101N106 21 1493 SOLE 1493 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 34 720 SH SOLE 720 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 24 500 SH DEFINED 500 0 0
OLD REPUBLIC INTERNATIONAL CORP 680223104 94 4000 SH SOLE 4000 0 0
ONEOK INC NEW COM 682680103 87 4000 SH DEFINED 4000 0 0
ORACLE CORPORATION 68389X105 636 53353 SH SOLE 52103 0 1250
ORACLE CORPORATION 68389X105 306 25700 SH DEFINED 20100 2000 3600
PG&E CORP COM 69331C108 11 400 SH DEFINED 400 0 0
PNC FINANCIAL SERVICES
GROUP COM 693475105 201 3800 SH SOLE 3800 0 0
PNC FINANCIAL SERVICES
GROUP COM 693475105 389 7331 SH DEFINED 6561 770 0
PPG INDS INC COM 693506107 192 3075 SH SOLE 3075 0 0
PPG INDS INC COM 693506107 393 6300 SH DEFINED 6300 0 0
PPL CORP 69351T106 9 200 SH SOLE 200 0 0
PPL CORP 69351T106 27 600 SH DEFINED 400 200 0
PACCAR INC COM 693718108 71 1237 SH DEFINED 1237 0 0
PACIFIC ENERGY PARTNERS LP 69422R105 147 5650 SH DEFINED 5650 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
PALMONE INC 69713P107 0 18 SH SOLE 18 0 0
PARAGON TECHNOLOGIES INC 69912T108 9 1000 SH DEFINED 1000 0 0
PAYCHEX INC COM 704326107 101 3000 SH DEFINED 3000 0 0
PAYLESS SHOESOURCE,INC. 704379106 8 600 SH DEFINED 600 0 0
PEABODY ENERGY CORP 704549104 1063 19000 SH SOLE 19000 0 0
PEABODY ENERGY CORP 704549104 614 10975 SH DEFINED 10475 0 500
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 8558 266547 SH SOLE 264547 0 2000
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 21283 662840 SH DEFINED 587683 75157 0
PENNGROWTH ENERGY TRUST 706902103 13 1000 SH SOLE 1000 0 0
PENN VA RESOURCE PARTNERS
LP 707884102 21 600 SH SOLE 600 0 0
PENN VA RESOURCE PARTNERS
LP 707884102 278 7800 SH DEFINED 7800 0 0
J.C.PENNEY CO.,INC. 708160106 192 5100 SH DEFINED 5000 100 0
PENTAIR INC 709631105 66 1980 SH SOLE 1980 0 0
PEOPLES ENERGY CORPORATION 711030106 50 1200 SH DEFINED 1200 0 0
PEOPLESOFT INC 712713106 1 100 SH SOLE 100 0 0
PEPCO HOLDINGS INC COM 713291102 91 5023 SH DEFINED 5023 0 0
PEPSI BOTTLING GROUP 713409100 3 100 SH SOLE 100 0 0
PEPSICO INC COM 713448108 645 11977 SH SOLE 11977 0 0
PEPSICO INC COM 713448108 500 9291 SH DEFINED 9291 0 0
PEREGRINE PHARMACEUTICALS
INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 92 4628 SH DEFINED 4628 0 0
PETROFUND ENERGY TRUST 71648W108 29 2652 SH DEFINED 2652 0 0
PETROLEUM & RESOURCES
CORPORATION 716549100 11 500 SH DEFINED 500 0 0
PFIZER INC COM 717081103 3493 101938 SH SOLE 100538 0 1400
PFIZER INC COM 717081103 3328 97136 SH DEFINED 88763 6823 1550
THE PHOENIX COMPANIES,INC. 71902E109 55 4553 SH SOLE 1124 0 3429
PIMCO MUNICIPAL INCOME
FUND II 72200W106 53 4000 SH DEFINED 0 4000 0
PIMCO STRATEGIC GLOBAL
GOVERNMENT FUND COMMON 72200X104 32 3098 SH DEFINED 3098 0 0
PIPER JAFFRAY COMPANIES 724078100 0 6 SH SOLE 6 0 0
PITNEY BOWES INC COM 724479100 219 4950 SH DEFINED 4950 0 0
PLAINS EXPLORATION &
PRODUCTION CORP 726505100 10 580 SH DEFINED 580 0 0
PLUM CREEK TIMBER CO INC COM 729251108 40 1249 SH DEFINED 1249 0 0
PRE-PAID LEGAL SERVICES 740065107 71 3000 SH SOLE 3000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
PREFERRED INCOME STRATEGIES
FUND 74038E100 8 400 SH SOLE 400 0 0
PRIMEWEST ENERGY TRUST 741930309 17 1000 SH SOLE 1000 0 0
PROCTER & GAMBLE CO COM 742718109 3485 64034 SH SOLE 63034 0 1000
PROCTER & GAMBLE CO COM 742718109 3664 67324 SH DEFINED 62494 2830 2000
PROGRESS ENERGY INC COM 743263105 8 200 SH SOLE 200 0 0
PROLOGIS TRUST 743410102 1587 48225 SH SOLE 48225 0 0
PROLOGIS TRUST 743410102 1472 44745 SH DEFINED 41350 3395 0
PROTECTIVE LIFE CORP 743674103 29 771 SH SOLE 771 0 0
PROVIDENT ENERGY TR UNIT 74386K104 64 8400 SH DEFINED 0 8400 0
PRUDENTIAL FINANCIAL INC 744320102 102 2199 SH SOLE 1461 0 738
PRUDENTIAL FINANCIAL INC 744320102 17 369 SH DEFINED 0 369 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 652 16292 SH SOLE 16292 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 1245 31110 SH DEFINED 26590 4520 0
PUGET ENERGY INC NEW 745310102 5 258 SH SOLE 258 0 0
PUTNAM HIGH YIELD MUNICIPAL
TRUST 746781103 31 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 5 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 13 500 SH DEFINED 500 0 0
QUALCOMM INC 747525103 109 1500 SH SOLE 1500 0 0
QUALCOMM INC 747525103 98 1350 SH DEFINED 1350 0 0
QUEST DIAGNOSTICS INC COM 74834L100 1853 21817 SH SOLE 21790 0 27
QUEST DIAGNOSTICS INC COM 74834L100 1332 15680 SH DEFINED 14580 100 1000
QUESTAR CORP 748356102 96 2500 SH SOLE 2500 0 0
QUESTAR CORP 748356102 27 700 SH DEFINED 700 0 0
QUIXOTE CORP 749056107 30 1500 SH DEFINED 1500 0 0
QWEST COMMUNICATIONS INT'L 749121109 1 345 SH SOLE 345 0 0
QWEST COMMUNICATIONS INT'L 749121109 8 2245 SH DEFINED 2245 0 0
RAINING DATA CORP 75087R108 14 4900 SH DEFINED 4900 0 0
RAMTRON INTL CORP COM NEW 751907304 1 282 SH DEFINED 282 0 0
RAYONIER INC COM 754907103 16 377 SH SOLE 377 0 0
RAYTHEON CO 755111507 41 1150 SH SOLE 1150 0 0
RAYTHEON CO 755111507 193 5400 SH DEFINED 5400 0 0
RED HAT INC COM 756577102 2 130 SH DEFINED 130 0 0
REPBULIC SERVICES INC 760759100 7 275 SH SOLE 275 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
REYNOLDS & REYNOLDS CO
CLASS A COMMON 761695105 2 100 SH SOLE 100 0 0
ROCKWELL AUTOMATION INC 773903109 39 1050 SH SOLE 1050 0 0
ROGERS COMMUNICATION INC. CL.B NON VOTING 775109200 126 7000 SH SOLE 7000 0 0
ROSS STORES INC 778296103 8 300 SH SOLE 300 0 0
ROYAL BANK OF SCOTLAND GROUP PLC SER D 780097606 31 1200 SH DEFINED 1200 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 67 1300 SH SOLE 1300 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 748 14492 SH DEFINED 14492 0 0
RUBY TUESDAY INC. 781182100 18 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 426 17595 SH SOLE 17595 0 0
SBC COMMUNICATIONS INC 78387G103 1009 41627 SH DEFINED 39342 285 2000
SLM CORP 78442P106 439 10875 SH SOLE 10875 0 0
SLM CORP 78442P106 121 3000 SH DEFINED 3000 0 0
STANDARD & POORS DEPOSITORY
RECEIPTS 78462F103 88 770 SH SOLE 470 0 300
STANDARD & POORS DEPOSITORY
RECEIPTS 78462F103 81 715 SH DEFINED 715 0 0
SABINE ROYALTY TRUST UNIT 785688102 68 2000 SH DEFINED 2000 0 0
SAFEGUARD SCIENTIFIC INC.
COM 786449108 4 2000 SH DEFINED 2000 0 0
SAFEWAY INC 786514208 5 200 SH DEFINED 200 0 0
THE ST. PAUL TRAVELERS
COMPANIES INC. 792860108 9 241 SH SOLE 241 0 0
THE ST. PAUL TRAVELERS
COMPANIES INC. 792860108 141 3502 SH DEFINED 3492 10 0
THE SALOMON BROTHERS FUND INC 795477108 14 1175 SH DEFINED 1175 0 0
SARA LEE CORP COM 803111103 230 10029 SH SOLE 10029 0 0
SARA LEE CORP COM 803111103 22 1000 SH DEFINED 1000 0 0
SCANA CORP NEW 80589M102 130 3600 SH DEFINED 3600 0 0
HENRY SCHEIN, INC COM 806407102 18 300 SH DEFINED 300 0 0
SCHERING PLOUGH CORP COM 806605101 18 987 SH SOLE 987 0 0
SCHERING PLOUGH CORP COM 806605101 62 3388 SH DEFINED 3388 0 0
SCHLUMBERGER LTD COM 806857108 258 4075 SH SOLE 3575 0 500
SCHLUMBERGER LTD COM 806857108 506 7978 SH DEFINED 7978 0 0
SEA CONTAINERS LTD CLASS A COMMON 811371707 1 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 777 14600 SH SOLE 14600 0 0
SEALED AIR CORP NEW COM 81211K100 411 7719 SH DEFINED 7569 150 0
SEARS ROEBUCK & CO COM 812387108 5 135 SH SOLE 135 0 0
SECTOR SPDR TR TECHNOLOGY 81369Y803 28 1400 SH SOLE 1400 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
SELECTIVE INS. GROUP INC. 816300107 438 11000 SH SOLE 11000 0 0
SEMPRA ENERGY COM 816851109 5 150 SH SOLE 150 0 0
SEMPRA ENERGY COM 816851109 55 1600 SH DEFINED 1600 0 0
SEPRACOR INC 817315104 33 640 SH SOLE 640 0 0
SHELL TRANSPORT & TRADING
CO PLC 822703609 26 600 SH SOLE 600 0 0
SIEBEL SYSTEMS 826170102 0 50 SH SOLE 50 0 0
SIEMENS AG SPONSORED ADR 826197501 30 425 SH SOLE 425 0 0
SIGMA-ALDRICH CORP 826552101 35 600 SH SOLE 600 0 0
SIGMATRON INTL INC COM 82661L101 4 360 SH SOLE 360 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SIMON PPTY GROUP INC NEW COM 828806109 1311 25517 SH SOLE 25517 0 0
SIMON PPTY GROUP INC NEW COM 828806109 1642 31940 SH DEFINED 30640 1300 0
SIRIUS SATELLITE RADIO INC 82966U103 3 1000 SH DEFINED 1000 0 0
SMITHFIELD FOODS 832248108 4 150 SH SOLE 150 0 0
J. M. SMUCKER CO 832696405 67 1460 SH SOLE 1460 0 0
J. M. SMUCKER CO 832696405 104 2266 SH DEFINED 2066 0 200
SONIC CORP 835451105 143 6300 SH SOLE 6300 0 0
SONIC CORP 835451105 42 1875 SH DEFINED 1875 0 0
SONOCO PRODUCTS 835495102 19 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH NEW EA REPR 1 JAPANESE 835699307 22 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES,INC 838518108 7 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 172 5918 SH SOLE 5918 0 0
SOUTHERN CO COM 842587107 391 13436 SH DEFINED 11725 1711 0
SOUTHWEST AIRLS CO COM 844741108 5 300 SH SOLE 300 0 0
SOUTHWEST GAS CORPORATION 844895102 4 200 SH SOLE 200 0 0
SPRINT CORPORATION 852061100 33 1916 SH SOLE 1916 0 0
SPRINT CORPORATION 852061100 42 2395 SH DEFINED 2395 0 0
SPRINT CORP PCS SER 1 852061506 5 616 SH SOLE 616 0 0
STAPLES INC 855030102 48 1635 SH SOLE 1635 0 0
STAPLES INC 855030102 29 1000 SH DEFINED 0 1000 0
STARBUCKS CORPORATION 855244109 618 14230 SH SOLE 14230 0 0
STARBUCKS CORPORATION 855244109 556 12800 SH DEFINED 12650 150 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 22 501 SH SOLE 501 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 38 857 SH DEFINED 857 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
STATE STREET CORP COM 857477103 4 100 SH SOLE 100 0 0
STRATTEC SECURITY
CORPORATION 863111100 1 20 SH SOLE 20 0 0
STRYKER CORP 863667101 85 1560 SH DEFINED 1560 0 0
STURM RUGER & CO. 864159108 24 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS
LP UNIT LTD 864482104 64 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS
LP UNIT LTD 864482104 215 6700 SH DEFINED 700 6000 0
SUN MICROSYSTEMS INC COM 866810104 10 2400 SH SOLE 2400 0 0
SUN MICROSYSTEMS INC COM 866810104 43 9950 SH DEFINED 8350 0 1600
SUNCOR ENERGY INC 867229106 38 1500 SH DEFINED 1500 0 0
SUNGARD DATA SYSTEMS INC 867363103 6 250 SH SOLE 250 0 0
SUNOCO INC 86764P109 7 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 191 3009 SH DEFINED 3009 0 0
SUPERGEN INC COM 868059106 287 44500 SH DEFINED 44500 0 0
SYMANTEC 871503108 1721 39335 SH SOLE 38885 0 450
SYMANTEC 871503108 1383 31600 SH DEFINED 28700 600 2300
SYNGENTA AG 87160A100 3 200 SH SOLE 200 0 0
SYSCO CORPORATION 871829107 61 1725 SH SOLE 1725 0 0
TC PIPELINES LTD 87233Q108 16 500 SH SOLE 500 0 0
TECO ENERGY INC COM 872375100 94 7850 SH SOLE 7850 0 0
TECO ENERGY INC COM 872375100 71 5950 SH DEFINED 5950 0 0
TEPPCO PARTNERS LP 872384102 95 2500 SH DEFINED 2500 0 0
TJX COMPANIES 872540109 48 2000 SH DEFINED 2000 0 0
TXU CORP 873168108 52 1300 SH DEFINED 1300 0 0
TALISMAN ENERGY INC 87425E103 387 17840 SH SOLE 17840 0 0
TALISMAN ENERGY INC 87425E103 178 8225 SH DEFINED 8225 0 0
TARGET CORPORATION 87612E106 370 8725 SH SOLE 8175 0 550
TARGET CORPORATION 87612E106 1006 23700 SH DEFINED 21600 1650 450
TAUBMAN CTRS INC COM 876664103 27 1200 SH DEFINED 1200 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 14 450 SH SOLE 450 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 13 400 SH DEFINED 400 0 0
TEMPLETON GLOBAL INCOME
FUND INC 880198106 2 371 SH SOLE 371 0 0
TERADYNE INC 880770102 79 3500 SH SOLE 3500 0 0
TEVA PHARMACEUTICAL
INDS ADR 881624209 683 10175 SH SOLE 10175 0 0
TEVA PHARMACEUTICAL INDS
ADR 881624209 354 5275 SH DEFINED 5275 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
TEXAS GENCO COM 882443104 2 55 SH DEFINED 55 0 0
TEXAS INSTRUMENTS 882508104 1422 58831 SH SOLE 56431 0 2400
TEXAS INSTRUMENTS 882508104 1317 54480 SH DEFINED 52230 750 1500
THERMO ELECTRON CORP COM 883556102 69 2272 SH DEFINED 2272 0 0
THOMAS & BETTS CORPORATION 884315102 10 400 SH DEFINED 400 0 0
THORNBURG MORTGAGE INC 885218107 26 1000 SH SOLE 1000 0 0
3COM CORP COM 885535104 6 1000 SH DEFINED 1000 0 0
3M CO COM 88579Y101 1981 22018 SH SOLE 21395 0 623
3M CO COM 88579Y101 2588 28757 SH DEFINED 27357 300 1100
TIME WARNER INC NEW 887317105 202 11530 SH SOLE 11530 0 0
TIME WARNER INC NEW 887317105 292 16663 SH DEFINED 13363 0 3300
TIMKEN CO 887389104 132 5000 SH DEFINED 5000 0 0
TOPPS COMPANYS INC 890786106 4 500 SH DEFINED 500 0 0
TORCHMARK CORP. 891027104 80 1500 SH DEFINED 1500 0 0
TRANSCANADA CORP 89353D107 3 152 SH SOLE 152 0 0
TRI-CONTINENTAL CORPORATION 895436103 12 739 SH DEFINED 739 0 0
TRIBUNE CO NEW COM 896047107 55 1227 SH DEFINED 1227 0 0
TRIZEC PROPERTIES INC 89687P107 109 6720 SH SOLE 6720 0 0
TRIZEC PROPERTIES INC 89687P107 204 12600 SH DEFINED 11900 700 0
TUPPERWARE CORP COM 899896104 1 100 SH DEFINED 100 0 0
TYCO INTL LTD NEW COM 902124106 109 3315 SH SOLE 3315 0 0
TYCO INTL LTD NEW COM 902124106 28 850 SH DEFINED 850 0 0
UGI CORPORATION 902681105 254 7925 SH SOLE 7925 0 0
UGI CORPORATION 902681105 256 8000 SH DEFINED 8000 0 0
UST INC COM 902911106 48 1350 SH SOLE 1350 0 0
UST INC COM 902911106 10 300 SH DEFINED 300 0 0
US BANCORP DEL COM 902973304 17 625 SH SOLE 625 0 0
UNILIVER NV NY SHARE F NEW 904784709 27 400 SH DEFINED 400 0 0
UNION PACIFIC CORP COM 907818108 625 10516 SH SOLE 10516 0 0
UNION PACIFIC CORP COM 907818108 468 7883 SH DEFINED 5425 0 2458
UNITED PARCEL SERVICE 911312106 121 1615 SH DEFINED 1615 0 0
UNITED TECHNOLOGIES CORP COM 913017109 273 2992 SH SOLE 2992 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1354 14803 SH DEFINED 14503 300 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
UNITEDHEALTH GROUP INC 91324P102 2 41 SH SOLE 41 0 0
UNIVERSAL TECHNICAL 913915104 31 800 SH DEFINED 800 0 0
UTSTARCOM INC 918076100 4 150 SH SOLE 150 0 0
VALLEY NATIONAL BANCORP. 919794107 101 4032 SH DEFINED 4032 0 0
VERIZON CORPORATION 92343V104 796 22013 SH SOLE 22013 0 0
VERIZON CORPORATION 92343V104 2456 67906 SH DEFINED 59558 5362 2986
VERITAS SOFTWARE CORP 923436109 37 1356 SH DEFINED 1356 0 0
VIACOM INC COM CLASS A 925524100 18 500 SH DEFINED 500 0 0
VIACOM INC. CLASS B COMMON 925524308 3 95 SH SOLE 95 0 0
VIACOM INC. CLASS B COMMON 925524308 42 1193 SH DEFINED 1193 0 0
VIASYS HEALTHCARE INC 92553Q209 3 165 SH DEFINED 165 0 0
VISTEON CORP 92839U107 1 155 SH DEFINED 155 0 0
VODAFONE GROUP PLC 92857W100 251 11363 SH SOLE 11363 0 0
VODAFONE GROUP PLC 92857W100 704 31911 SH DEFINED 28946 965 2000
VORNADO REALTY TRUST 929042109 467 8190 SH SOLE 8190 0 0
VORNADO REALTY TRUST 929042109 653 11440 SH DEFINED 10940 500 0
VULCAN MATERIALS COMPANY COM 929160109 152 3200 SH DEFINED 3200 0 0
WGL HOLDINGS INC 92924F106 155 5400 SH DEFINED 4400 0 1000
WACHOVIA CORP 2ND NEW COM 929903102 3195 71810 SH SOLE 71810 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1644 36962 SH DEFINED 35638 1324 0
WAL-MART STORES INC 931142103 1519 28810 SH SOLE 28810 0 0
WAL-MART STORES INC 931142103 1083 20541 SH DEFINED 19916 125 500
WALGREEN CO 931422109 18 500 SH SOLE 500 0 0
WALGREEN CO 931422109 3 100 SH DEFINED 100 0 0
WASHINGTON MUTUAL INC 939322103 18 475 SH SOLE 475 0 0
WASHINGTON MUTUAL INC 939322103 50 1300 SH DEFINED 1300 0 0
WASHINGTON TRUST BANCORP
INC 940610108 82 3163 SH DEFINED 3163 0 0
WASTE MANAGEMENT INC 94106L109 4 145 SH DEFINED 145 0 0
WEIGHT WATCHERS
INTERNATIONAL 948626106 27 700 SH DEFINED 700 0 0
WELLPOINT HEALTH NETWORKS
CLA 94973H108 8 75 SH SOLE 75 0 0
WELLS FARGO & CO NEW COM 949746101 2582 45130 SH SOLE 44330 0 800
WELLS FARGO & CO NEW COM 949746101 2251 39350 SH DEFINED 34865 3575 910
WESTAR ENERGY INC 95709T100 29 1488 SH DEFINED 0 1488 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- -------------- ----- -------- ------- --- ---- ------- -------- ---- ------ ----
WESTERN GAS RESOURCES INC 958259103 64 2000 SH DEFINED 2000 0 0
WEYERHAEUSER CO COM 962166104 23 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 126 2000 SH DEFINED 2000 0 0
WHIRLPOOL CORP COM 963320106 20 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 66 700 SH SOLE 700 0 0
WHOLE FOOD MARKET INC 966837106 66 700 SH DEFINED 700 0 0
WILLIAMS COS INC DEL COM 969457100 4 400 SH SOLE 400 0 0
WILLIAMS COS INC DEL COM 969457100 59 5000 SH DEFINED 5000 0 0
WILLIAMS SONOMA INC COM 969904101 158 4800 SH DEFINED 4800 0 0
WISCONSIN ENERGY CORP COM 976657106 133 4089 SH DEFINED 4089 0 0
WRIGLEY WM JR CO 982526105 357 5675 SH SOLE 5675 0 0
WRIGLEY WM JR CO 982526105 356 5650 SH DEFINED 5350 300 0
WYETH INC. 983024100 418 11563 SH SOLE 11563 0 0
WYETH INC. 983024100 1260 34874 SH DEFINED 33074 1600 200
XM SATELLITE RADIO
HOLDINGS INC 983759101 4 150 SH DEFINED 150 0 0
XTO ENERGY INC 98385X106 74 2500 SH DEFINED 2500 0 0
XCEL ENERGY INC 98389B100 7 441 SH SOLE 441 0 0
XILINX INC 983919101 33 1000 SH SOLE 1000 0 0
XILINX INC 983919101 106 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 8 600 SH SOLE 600 0 0
YAHOO INC 984332106 3 100 SH DEFINED 100 0 0
YUM BRANDS INC 988498101 1 50 SH DEFINED 50 0 0
ZIMMER HOLDINGS GROUP 98956P102 74 845 SH SOLE 845 0 0
ZIMMER HOLDINGS GROUP 98956P102 691 7835 SH DEFINED 7835 0 0
GRAND TOTALS 326479 8282667 7849904 286186 146577