UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: December 31, 2001
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: Regions Financial Corporation
Address: 417 North 20th Street
Birmingham, AL 35202
Form 13F File Number: 28-01129
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: Ronald C. Jackson
Title: Senior Vice President and Director of Investor Relations
Phone: 205/326-7090
Signature, Place, and Date of Signing:
/s/Ronald C. Jackson Birmingham, Alabama February 13, 2002
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X]13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[ ]13F NOTICE. (Check here if no holdings reported are in this
report, and all holdings are reported by other reporting
manager(s).)
[ ]13F COMBINATION REPORT. (Check here 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: None
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 749
Form 13F Information Table Value Total: $2,369,986(thousands)
List of Other Included Managers: None
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.
Form 13F INFORMATION TABLE
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
NAME OF ISSUER TITLE OF CLASS CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY
(THOUSANDS) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE
GLOBAL CROSSING LTD COM G3921A100 3 4,130 SH DEFINED 3,830 300
GLOBAL CROSSING LTD COM G3921A100 6 7,353 SH OTHER 7,353
HILFIGER TOMMY CORP ORD G8915Z102 2,750 200,000 SH DEFINED 200,000
TRANSOCEAN SEDCO FOREX INC ORD G90078109 245 7,255 SH DEFINED 6,866 389
TRANSOCEAN SEDCO FOREX INC ORD G90078109 157 4,633 SH OTHER 937 96 3,600
AFLAC INC COM 001055102 7,577 308,510 SH DEFINED 301,640 6,870
AFLAC INC COM 001055102 412 16,784 SH OTHER 7,290 6,054 3,440
AGL RES INC COM 001204106 88 3,828 SH DEFINED 3,828
AGL RES INC COM 001204106 347 15,076 SH OTHER 12,104 2,972
AOL TIME WARNER INC COM 00184A105 4,134 128,777 SH DEFINED 106,913 1,160 20,704
AOL TIME WARNER INC COM 00184A105 674 20,990 SH OTHER 10,835 3,730 6,425
A T & T CORP COM 001957109 2,523 139,079 SH DEFINED 65,298 73,781
A T & T CORP COM 001957109 1,002 55,261 SH OTHER 34,952 2,918 17,391
AT & T WIRELESS SERVICES INC COM 00209A106 356 24,786 SH DEFINED 19,760 5,026
AT & T WIRELESS SERVICES INC COM 00209A106 262 18,230 SH OTHER 12,173 466 5,591
ABBOTT LABORATORIES COM 002824100 7,234 129,750 SH DEFINED 127,705 2,045
ABBOTT LABORATORIES COM 002824100 1,585 28,432 SH OTHER 15,770 1,200 11,462
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 10,333 389,465 SH DEFINED 386,840 2,625
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 74 2,800 SH OTHER 2,800
AEGON N V ORD AMER REG 007924103 591 22,089 SH DEFINED 22,089
AEGON N V ORD AMER REG 007924103 534 19,943 SH OTHER 11,951 7,992
AETNA INC COM 00817Y108 233 7,059 SH DEFINED 1,059 6,000
AETNA INC COM 00817Y108 11 330 SH OTHER 300 30
AFFILIATED COMPUTER SVCS INC CL A 008190100 1,104 10,400 SH DEFINED 10,400
AGILENT TECHNOLOGIES INC COM 00846U101 2,658 93,234 SH DEFINED 92,144 1,090
AGILENT TECHNOLOGIES INC COM 00846U101 154 5,401 SH OTHER 4,944 457
AIR PRODUCTS & CHEMICALS INC COM 009158106 136 2,900 SH DEFINED 2,900
AIR PRODUCTS & CHEMICALS INC COM 009158106 338 7,208 SH OTHER 2,176 4,032 1,000
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 220 4,896 SH DEFINED 4,896
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 9 190 SH OTHER 190
ALABAMA NATL BANCORPORATION DEL COM 010317105 324 9,625 SH DEFINED 9,625
ALBERTSONS INC COM 013104104 4,065 129,082 SH DEFINED 127,879 1,203
ALBERTSONS INC COM 013104104 13 400 SH OTHER 400
ALCOA INC COM 013817101 4,087 114,975 SH DEFINED 114,205 770
ALCOA INC COM 013817101 251 7,065 SH OTHER 6,640 425
ALEXANDER & BALDWIN INC COM COM 014482103 969 36,299 SH DEFINED 2,833 33,466
ALFA CORP COM 015385107 331 14,734 SH DEFINED 13,734 1,000
ALFA CORP COM 015385107 487 21,698 SH OTHER 698 21,000
ALLEGHENY ENERGY INC COM 017361106 196 5,400 SH DEFINED 5,200 200
ALLEGHENY ENERGY INC COM 017361106 51 1,400 SH OTHER 600 800
ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 516 10,680 SH DEFINED 10,180 500
ALLSTATE CORP COM 020002101 2,015 59,787 SH DEFINED 55,072 2,348 2,367
ALLSTATE CORP COM 020002101 425 12,600 SH OTHER 9,826 2,774
ALLTEL CORP COM 020039103 4,684 75,871 SH DEFINED 74,656 1,215
ALLTEL CORP COM 020039103 401 6,501 SH OTHER 6,185 16 300
AMERADA HESS CORP COM 023551104 3,484 55,750 SH DEFINED 55,450 300
AMERADA HESS CORP COM 023551104 25 400 SH OTHER 400
AMEREN CORP COM 023608102 201 4,759 SH DEFINED 4,709 50
AMEREN CORP COM 023608102 68 1,600 SH OTHER 1,600
AMERICAN EAGLE OUTFITTERS IN COM 02553E106 3,140 120,000 SH DEFINED 120,000
AMERICAN ELECTRIC POWER INC COM 025537101 922 21,190 SH DEFINED 20,163 1,027
AMERICAN ELECTRIC POWER INC COM 025537101 22 512 SH OTHER 120 60 332
AMERICAN EXPRESS CO COM 025816109 7,427 208,089 SH DEFINED 196,503 11,586
AMERICAN EXPRESS CO COM 025816109 1,898 53,192 SH OTHER 39,178 14,014
AMERICAN GREETINGS CORP CL A CL A 026375105 70 5,100 SH DEFINED 5,100
AMERICAN GREETINGS CORP CL A CL A 026375105 124 9,000 SH OTHER 3,600 5,400
AMERICAN HOME PRODUCTS CORP COM 026609107 35,196 573,603 SH DEFINED 543,407 1,140 29,056
AMERICAN HOME PRODUCTS CORP COM 026609107 6,763 110,219 SH OTHER 100,960 2,342 6,917
AMERICAN INTL GROUP INC COM 026874107 15,254 192,111 SH DEFINED 180,013 12,098
AMERICAN INTL GROUP INC COM 026874107 3,310 41,694 SH OTHER 14,473 4,215 23,006
AMERICAN STD COS INC DEL COM 029712106 1,365 20,000 SH DEFINED 20,000
AMERISOURCEBERGEN CORP COM 03073E105 1,017 16,000 SH DEFINED 16,000
AMGEN INC COM 031162100 7,031 124,577 SH DEFINED 120,505 318 3,754
AMGEN INC COM 031162100 546 9,677 SH OTHER 2,352 490 6,835
AMSOUTH BANCORPORATION COM 032165102 8,079 427,483 SH DEFINED 385,824 41,659
AMSOUTH BANCORPORATION COM 032165102 7,975 421,946 SH OTHER 273,653 5,000 143,293
ANADARKO PETE CORP COM 032511107 4,497 79,098 SH DEFINED 79,078 20
ANADARKO PETE CORP COM 032511107 60 1,047 SH OTHER 1,047
ANDRX GROUP COM 034553107 3,521 50,000 SH DEFINED 50,000
ANHEUSER BUSCH COS INC COM 035229103 15,453 341,799 SH DEFINED 338,712 380 2,707
ANHEUSER BUSCH COS INC COM 035229103 742 16,405 SH OTHER 12,363 2,408 1,634
AON CORP COM 037389103 1,019 28,675 SH DEFINED 3,000 25,675
APPLERA CORP APPLID BIOSYS COM AP BIO GRP 038020103 236 6,000 SH DEFINED 6,000
APPLERA CORP APPLID BIOSYS COM AP BIO GRP 038020103 165 4,200 SH OTHER 4,200
APPLIED MATLS INC COM 038222105 2,299 57,342 SH DEFINED 54,527 2,815
APPLIED MATLS INC COM 038222105 169 4,225 SH OTHER 4,150 75
ASTRAZENECA PLC SPONSORED ADR 046353108 270 5,800 SH DEFINED 5,800
AUBURN NATIONAL BANCORPORATION COM 050473107 165 14,500 SH DEFINED 14,500
AUBURN NATIONAL BANCORPORATION COM 050473107 323 28,450 SH OTHER 28,450
AUTOMATIC DATA PROCESSING INC COM 053015103 1,572 26,681 SH DEFINED 26,256 425
AUTOMATIC DATA PROCESSING INC COM 053015103 703 11,930 SH OTHER 7,255 4,675
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 46 11,542 SH OTHER 11,542
AVON PRODS INC COM 054303102 58 1,250 SH DEFINED 1,000 250
AVON PRODS INC COM 054303102 239 5,136 SH OTHER 5,136
BISYS GROUP INC COM 055472104 1,664 26,000 SH DEFINED 26,000
BJS WHSL CLUB INC COM 05548J106 3,087 70,000 SH DEFINED 70,000
BJ SVCS CO COM 055482103 3,796 116,970 SH DEFINED 116,500 470
BJ SVCS CO COM 055482103 13 400 SH OTHER 400
BP PLC ADR SPONSORED ADR 055622104 10,936 235,139 SH DEFINED 229,508 5,631
BP PLC ADR SPONSORED ADR 055622104 2,994 64,383 SH OTHER 54,268 7,924 2,191
BMC SOFTWARE INC COM 055921100 2,505 153,046 SH DEFINED 153,046
BMC SOFTWARE INC COM 055921100 2 100 SH OTHER 100
BANK AMER CORP COM 060505104 22,103 351,123 SH DEFINED 336,410 4,155 10,558
BANK AMER CORP COM 060505104 14,184 225,323 SH OTHER 214,570 10,253 500
BANK NEW YORK INC COM 064057102 5,007 122,730 SH DEFINED 116,242 6,308 180
BANK NEW YORK INC COM 064057102 587 14,380 SH OTHER 200 3,580 10,600
BANK ONE CORP COM 06423A103 261 6,690 SH DEFINED 5,224 1,466
BANK ONE CORP COM 06423A103 384 9,823 SH OTHER 7,623 1,500 700
BARRICK GOLD CORP COM 067901108 213 13,357 SH DEFINED 13,077 280
BARR LABS INC COM 068306109 1,587 20,000 SH DEFINED 20,000
BAXTER INTERNATIONAL INC COM 071813109 2,217 41,338 SH DEFINED 41,158 180
BAXTER INTERNATIONAL INC COM 071813109 742 13,838 SH OTHER 11,260 1,880 698
BEAR STEARNS COS INC COM 073902108 222 3,787 SH DEFINED 3,787
BEAR STEARNS COS INC COM 073902108 69 1,177 SH OTHER 1,177
BECKMAN COULTER INC COM 075811109 886 20,000 SH DEFINED 20,000
BECTON DICKINSON & CO COM 075887109 305 9,200 SH DEFINED 9,200
BECTON DICKINSON & CO COM 075887109 33 1,008 SH OTHER 1,008
BED BATH & BEYOND INC COM 075896100 1,311 38,680 SH DEFINED 37,750 930
BED BATH & BEYOND INC COM 075896100 27 800 SH OTHER 600 200
BELLSOUTH CORP COM 079860102 9,522 249,599 SH DEFINED 222,443 1,650 25,506
BELLSOUTH CORP COM 079860102 5,649 148,082 SH OTHER 82,990 33,860 31,232
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 605 8 SH DEFINED 7 1
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,512 20 SH OTHER 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 1,134 449 SH DEFINED 444 5
BERKSHIRE HATHAWAY INC DEL CL B 084670207 631 250 SH OTHER 245 5
BEST BUY INC COM 086516101 749 10,050 SH DEFINED 9,700 350
BEST BUY INC COM 086516101 25 340 SH OTHER 340
BIOCRYST PHARMACEUTICALS INC COM 09058V103 6 1,500 SH DEFINED 1,500
BIOCRYST PHARMACEUTICALS INC COM 09058V103 452 114,054 SH OTHER 6,000 108,054
BLACK HILLS CORP COM 092113109 1,692 50,000 SH DEFINED 50,000
BLACKROCK INSD MUN TERM TR INC COM 092474105 266 25,000 SH DEFINED 25,000
BLOCK H & R INC COM 093671105 279 6,250 SH DEFINED 4,400 1,850
BLOCK H & R INC COM 093671105 215 4,800 SH OTHER 4,800
BLOUNT INTL INC NEW COM 095180105 131 41,851 SH OTHER 41,851
BOEING CO COM 097023105 10,226 263,699 SH DEFINED 262,741 958
BOEING CO COM 097023105 312 8,056 SH OTHER 5,386 2,670
BRISTOL MYERS SQUIBB CO COM 110122108 29,575 579,903 SH DEFINED 550,519 1,340 28,044
BRISTOL MYERS SQUIBB CO COM 110122108 6,832 133,952 SH OTHER 104,090 8,374 21,488
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 3,302 115,748 SH DEFINED 114,324 1,424
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 201 7,044 SH OTHER 5,619 1,425
BURLINGTON RESOURCES INC COM 122014103 510 13,597 SH DEFINED 9,528 1,436 2,633
BURLINGTON RESOURCES INC COM 122014103 158 4,204 SH OTHER 3,486 718
CDW COMPUTER CTRS INC COM 125129106 2,686 50,000 SH DEFINED 50,000
CIGNA CORP COM 125509109 28 300 SH DEFINED 300
CIGNA CORP COM 125509109 203 2,196 SH OTHER 2,196
CSG SYS INTL INC COM 126349109 1,214 30,000 SH DEFINED 30,000
CSX CORP COM 126408103 278 7,940 SH DEFINED 7,940
CSX CORP COM 126408103 71 2,020 SH OTHER 1,620 400
CVS CORPORATION (DEL) COM 126650100 1,406 47,510 SH DEFINED 46,710 800
CVS CORPORATION (DEL) COM 126650100 211 7,114 SH OTHER 4,512 2,602
CADENCE DESIGN SYS INC COM 127387108 2,192 100,000 SH DEFINED 100,000
CAMPBELL SOUP CO COM 134429109 349 11,680 SH DEFINED 11,080 600
CAMPBELL SOUP CO COM 134429109 18 600 SH OTHER 600
CARLISLE COS INC COM 142339100 214 5,800 SH DEFINED 1,000 4,800
CATELLUS DEV CORP COM 149111106 1,180 64,134 SH DEFINED 6,802 57,332
CATERPILLAR INC COM 149123101 7,155 136,942 SH DEFINED 136,342 600
CATERPILLAR INC COM 149123101 484 9,268 SH OTHER 4,068 5,200
CENTURYTEL INC COM 156700106 11,260 343,287 SH DEFINED 15,058 328,229
CENTURYTEL INC COM 156700106 26 800 SH OTHER 800
CHEVRONTEXACO CORP COM 166764100 25,570 285,346 SH DEFINED 276,111 2,120 7,115
CHEVRONTEXACO CORP COM 166764100 3,589 40,054 SH OTHER 27,786 6,073 6,195
CHICOS FAS INC COM 168615102 2,382 60,000 SH DEFINED 60,000
CHIRON CORP COM 170040109 627 14,300 SH DEFINED 14,300
CHIRON CORP COM 170040109 35 800 SH OTHER 800
CIENA CORP COM 171779101 5,585 390,280 SH DEFINED 389,980 300
CIENA CORP COM 171779101 3 200 SH OTHER 200
CINERGY CORP COM 172474108 123 3,687 SH DEFINED 337 3,350
CINERGY CORP COM 172474108 401 12,000 SH OTHER 5,000 7,000
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 452 17,429 SH DEFINED 17,144 285
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 57 2,201 SH OTHER 601 1,600
CISCO SYS INC COM 17275R102 18,000 993,934 SH DEFINED 940,393 3,600 49,941
CISCO SYS INC COM 17275R102 1,134 62,606 SH OTHER 32,351 5,770 24,485
CIRRUS LOGIC INC COM 172755100 1,322 100,000 SH DEFINED 100,000
CITIGROUP INC COM 172967101 28,318 560,979 SH DEFINED 524,152 850 35,977
CITIGROUP INC COM 172967101 6,036 119,573 SH OTHER 96,619 5,055 17,899
CLOROX CO COM 189054109 3,795 95,947 SH DEFINED 80,140 1,027 14,780
CLOROX CO COM 189054109 358 9,054 SH OTHER 5,394 2,236 1,424
COACH INC COM 189754104 177 4,530 SH DEFINED 4,530
COACH INC COM 189754104 33 834 SH OTHER 834
COCA COLA CO COM 191216100 46,941 995,573 SH DEFINED 802,351 193,222
COCA COLA CO COM 191216100 44,308 939,715 SH OTHER 886,300 12,440 40,975
COCA COLA ENTERPRISES INC COM 191219104 2 125 SH DEFINED 125
COCA COLA ENTERPRISES INC COM 191219104 9,715 512,927 SH OTHER 512,927
COLGATE PALMOLIVE CO COM 194162103 6,234 107,946 SH DEFINED 102,478 500 4,968
COLGATE PALMOLIVE CO COM 194162103 16,021 277,428 SH OTHER 268,028 9,400
COLONIAL BANCGROUP INC COM 195493309 171 12,166 SH DEFINED 12,166
COLONIAL BANCGROUP INC COM 195493309 146 10,388 SH OTHER 6,388 4,000
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 44 1,400 SH DEFINED 1,400
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 371 11,925 SH OTHER 11,925
COMCAST CORP CL A SPL CL A SPL 200300200 2,293 63,700 SH DEFINED 63,000 700
COMERICA INC COM 200340107 4,618 80,600 SH DEFINED 80,200 400
COMPASS BANCSHARES, INC. COM 20449H109 2,467 87,179 SH DEFINED 85,551 1,628
COMPASS BANCSHARES, INC. COM 20449H109 2,618 92,521 SH OTHER 91,509 1,012
COMPAQ COMPUTER CORP COM 204493100 1,760 180,278 SH DEFINED 176,553 3,725
COMPAQ COMPUTER CORP COM 204493100 246 25,211 SH OTHER 24,711 500
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 360 16,090 SH DEFINED 16,040 50
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 67 3,000 SH OTHER 3,000
CONAGRA FOODS INC COM COM 205887102 4,180 175,850 SH DEFINED 175,750 100
CONAGRA FOODS INC COM COM 205887102 257 10,812 SH OTHER 10,162 650
CONEXANT SYS INC COM 207142100 218 15,210 SH DEFINED 15,210
CONEXANT SYS INC COM 207142100 42 2,914 SH OTHER 1,466 1,448
CONOCO INC COM 208251504 4,751 167,868 SH DEFINED 167,218 650
CONOCO INC COM 208251504 211 7,456 SH OTHER 7,156 300
CONSOLIDATED EDISON INC COM 209115104 135 3,351 SH DEFINED 2,551 800
CONSOLIDATED EDISON INC COM 209115104 167 4,150 SH OTHER 4,150
COOPER CAMERON CORP COM 216640102 466 11,539 SH DEFINED 10,860 679
COOPER CAMERON CORP COM 216640102 24 605 SH OTHER 180 325 100
CORNING INC COM 219350105 2,738 306,945 SH DEFINED 303,815 3,130
CORNING INC COM 219350105 89 10,009 SH OTHER 8,309 1,700
COSTCO WHSL CORP COM 22160K105 5,321 119,890 SH DEFINED 119,090 800
COSTCO WHSL CORP COM 22160K105 470 10,600 SH OTHER 400 10,200
COVANTA ENERGY CORP COM 22281N103 108 24,000 SH DEFINED 24,000
DPL INC COM 233293109 1,047 43,494 SH DEFINED 40,000 3,494
DST SYS INC DEL COM 233326107 997 20,000 SH DEFINED 20,000
DTE ENERGY CO COM 233331107 198 4,730 SH DEFINED 4,650 80
DTE ENERGY CO COM 233331107 2 50 SH OTHER 50
DELL COMPUTER CORP COM 247025109 2,141 78,782 SH DEFINED 67,276 11,506
DELL COMPUTER CORP COM 247025109 513 18,887 SH OTHER 12,487 1,900 4,500
DELPHI AUTOMOTIVE SYS CORP COM 247126105 5,962 436,461 SH DEFINED 434,861 1,600
DELPHI AUTOMOTIVE SYS CORP COM 247126105 93 6,832 SH OTHER 4,785 1,247 800
DELTA AIR LINES INC COM 247361108 304 10,390 SH DEFINED 9,290 1,100
DELTA AIR LINES INC COM 247361108 79 2,688 SH OTHER 2,688
DELTIC TIMBER CORP COM 247850100 504 18,386 SH DEFINED 18,386
DIAL CORP NEW COM COM 25247D101 1,590 92,696 SH DEFINED 88,553 543 3,600
DIAL CORP NEW COM COM 25247D101 131 7,661 SH OTHER 5,676 1,735 250
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 1,635 53,785 SH DEFINED 53,785
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 3 100 SH OTHER 100
DIEBOLD INC COM 253651103 304 7,523 SH DEFINED 6,323 1,200
DILLARDS INC CL A 254067101 149 9,292 SH DEFINED 3,719 5,573
DILLARDS INC CL A 254067101 134 8,400 SH OTHER 8,400
WALT DISNEY COMPANY COM DISNEY 254687106 1,820 87,814 SH DEFINED 61,630 500 25,684
WALT DISNEY COMPANY COM DISNEY 254687106 1,386 66,899 SH OTHER 27,977 300 38,622
DOLLAR TREE STORES INC COM 256747106 3,091 100,000 SH DEFINED 100,000
DOMINION RES INC VA NEW COM 25746U109 2,889 48,067 SH DEFINED 47,947 120
DOMINION RES INC VA NEW COM 25746U109 66 1,100 SH OTHER 1,100
DOVER CORP COM 260003108 1,003 27,044 SH DEFINED 2,000 25,044
DOVER CORP COM 260003108 228 6,145 SH OTHER 3,041 3,104
DOW CHEM CO COM COM 260543103 1,472 43,568 SH DEFINED 42,683 885
DOW CHEM CO COM COM 260543103 582 17,219 SH OTHER 12,482 1,633 3,104
DREYFUS STRATEGIC MUNS INC COM 261932107 504 50,183 SH DEFINED 50,000 183
DREYFUS STRATEGIC MUNS INC COM 261932107 34 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 433 51,548 SH DEFINED 51,548
DU PONT E I DE NEMOURS & CO COM 263534109 14,095 331,563 SH DEFINED 324,948 6,615
DU PONT E I DE NEMOURS & CO COM 263534109 2,354 55,381 SH OTHER 41,025 1,206 13,150
DUFF & PHELPS UTILS INCOME,INC COM 264324104 225 20,329 SH DEFINED 19,725 604
DUFF & PHELPS UTILS INCOME,INC COM 264324104 144 12,980 SH OTHER 12,980
DUKE ENERGY CORP COM 264399106 6,753 172,001 SH DEFINED 159,144 12,857
DUKE ENERGY CORP COM 264399106 706 17,974 SH OTHER 16,624 800 550
DURECT CORP COM 266605104 366 31,617 SH OTHER 31,617
E M C CORP MASS COM 268648102 7,424 552,391 SH DEFINED 516,459 35,932
E M C CORP MASS COM 268648102 524 38,977 SH OTHER 28,195 332 10,450
E TRADE GROUP INC COM 269246104 5,445 531,250 SH DEFINED 530,650 600
E TRADE GROUP INC COM 269246104 5 500 SH OTHER 500
EATON CORP COM 278058102 293 3,932 SH DEFINED 3,760 172
EATON VANCE MUNICIPAL INCOME FD SH BEN INT 27826U108 462 33,332 SH DEFINED 33,332
EL PASO CORP COM 28336L109 385 8,625 SH DEFINED 7,125 1,500
EL PASO CORP COM 28336L109 473 10,593 SH OTHER 7,437 3,156
ELECTRONIC ARTS COM 285512109 2,638 44,000 SH DEFINED 44,000
ELECTRONIC ARTS COM 285512109 282 4,700 SH OTHER 700 4,000
ELECTRONIC DATA SYS CORP NEW COM 285661104 4,732 69,037 SH DEFINED 68,339 40 658
ELECTRONIC DATA SYS CORP NEW COM 285661104 964 14,056 SH OTHER 3,156 800 10,100
EMERSON ELECTRIC CO COM 291011104 6,890 120,669 SH DEFINED 119,819 850
EMERSON ELECTRIC CO COM 291011104 537 9,410 SH OTHER 8,210 1,200
ENERGEN CORP COM 29265N108 141 5,700 SH DEFINED 5,700
ENERGEN CORP COM 29265N108 238 9,650 SH OTHER 5,600 4,050
ENERGYSOUTH INC COM 292970100 1,310 54,473 SH DEFINED 46,696 7,777
ENERGYSOUTH INC COM 292970100 48 2,000 SH OTHER 2,000
ENTERGY CORP COM 29364G103 560 14,309 SH DEFINED 12,567 1,742
ENTERGY CORP COM 29364G103 82 2,100 SH OTHER 100 1,000 1,000
EQUITABLE RES INC COM 294549100 1,439 42,250 SH DEFINED 42,250
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 362 3,083 SH DEFINED 2,600 483
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 53 450 SH OTHER 450
EXELON CORP COM 30161N101 287 5,988 SH DEFINED 4,997 991
EXELON CORP COM 30161N101 108 2,246 SH OTHER 1,194 1,052
EXPRESS SCRIPTS INC COM 302182100 1,309 28,000 SH DEFINED 28,000
EXXON MOBIL CORP COM 30231G102 58,043 1,476,925 SH DEFINED 1,370,953 5,676 100,296
EXXON MOBIL CORP COM 30231G102 15,676 398,888 SH OTHER 339,589 30,960 28,339
FPL GROUP INC COM 302571104 2,990 53,009 SH DEFINED 51,551 1,458
FPL GROUP INC COM 302571104 85 1,500 SH OTHER 500 400 600
FAMILY DOLLAR STORES INC COM 307000109 824 27,500 SH DEFINED 27,300 200
FAMILY DOLLAR STORES INC COM 307000109 9 300 SH OTHER 300
FEDERAL HOME LN MTG CORP COM 313400301 9,500 145,257 SH DEFINED 143,061 2,196
FEDERAL HOME LN MTG CORP COM 313400301 29 436 SH OTHER 336 100
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 11,732 147,573 SH DEFINED 135,758 320 11,495
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 975 12,267 SH OTHER 9,045 615 2,607
FEDEX CORP COM 31428X106 1,976 38,083 SH DEFINED 4,821 33,262
FEDEX CORP COM 31428X106 48 929 SH OTHER 929
FIRST DATA CORP COM 319963104 1,127 14,365 SH DEFINED 14,365
FIRST DATA CORP COM 319963104 149 1,902 SH OTHER 1,902
FIRST HEALTH GROUP CORP COM 320960107 1,237 50,000 SH DEFINED 50,000
FIRST HEALTH GROUP CORP COM 320960107 10 400 SH OTHER 400
FIRST TENNESSEE NATIONAL CORP COM 337162101 217 5,992 SH OTHER 5,992
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 1,199 23,619 SH OTHER 23,619
FIRSTENERGY CORP COM 337932107 248 7,091 SH DEFINED 6,891 200
FIRSTENERGY CORP COM 337932107 7 190 SH OTHER 190
FLEETBOSTON FINL CORP COM 339030108 6,925 189,723 SH DEFINED 189,053 670
FLEETBOSTON FINL CORP COM 339030108 84 2,302 SH OTHER 2,302
FLEMING COMPANIES INC COM 339130106 336 18,150 SH DEFINED 18,150
FLORIDA ROCK INDS INC COM 341140101 323 8,824 SH DEFINED 6,450 2,374
FLORIDA ROCK INDS INC COM 341140101 39 1,057 SH OTHER 1,057
FOOT LOCKER INC COM 344849104 200 12,800 SH DEFINED 12,800
FORD MTR CO DEL COM PAR $0.01 345370860 3,665 233,137 SH DEFINED 211,818 21,319
FORD MTR CO DEL COM PAR $0.01 345370860 439 27,913 SH OTHER 20,231 7,682
FOREST LABS INC COM 345838106 2,652 32,365 SH DEFINED 31,765 600
FOREST LABS INC COM 345838106 16 200 SH OTHER 200
FORTUNE BRANDS INC COM 349631101 649 16,395 SH DEFINED 14,520 1,875
FORTUNE BRANDS INC COM 349631101 185 4,680 SH OTHER 4,680
FRONTIER AIRLINES COM 359065109 850 50,000 SH DEFINED 50,000
GALLAGHER ARTHUR J & CO COM 363576109 1,725 50,000 SH DEFINED 50,000
GALLAHER GROUP PLC SPONSORED ADR 363595109 447 16,572 SH DEFINED 16,572
GALLAHER GROUP PLC SPONSORED ADR 363595109 99 3,680 SH OTHER 3,680
GANNETT INC COM 364730101 964 14,345 SH DEFINED 10,345 600 3,400
GANNETT INC COM 364730101 836 12,434 SH OTHER 11,738 696
GAP INC COM 364760108 3,970 284,800 SH DEFINED 261,335 1,800 21,665
GAP INC COM 364760108 3 200 SH OTHER 200
GENENTECH INC COM NEW 368710406 9 157 SH DEFINED 157
GENENTECH INC COM NEW 368710406 293 5,400 SH OTHER 5,400
GENERAL DYNAMICS CORP COM 369550108 4,568 57,353 SH DEFINED 55,398 1,955
GENERAL DYNAMICS CORP COM 369550108 19 234 SH OTHER 34 200
GENERAL ELECTRIC CO COM 369604103 62,123 1,549,988 SH DEFINED 1,481,792 5,270 62,926
GENERAL ELECTRIC CO COM 369604103 24,437 609,703 SH OTHER 529,829 13,826 66,048
GENERAL MILLS INC COM 370334104 8,251 158,650 SH DEFINED 150,462 8,188
GENERAL MILLS INC COM 370334104 693 13,317 SH OTHER 11,027 1,050 1,240
GENERAL MOTORS CORP COM 370442105 5,135 105,652 SH DEFINED 82,736 150 22,766
GENERAL MOTORS CORP COM 370442105 670 13,777 SH OTHER 12,537 600 640
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 1,200 77,684 SH DEFINED 3,868 73,816
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 26 1,708 SH OTHER 1,708
GENUINE PARTS CO COM 372460105 1,375 37,455 SH DEFINED 32,955 4,500
GENUINE PARTS CO COM 372460105 758 20,645 SH OTHER 20,045 600
GENZYME CORP COM GENL DIV 372917104 4,789 80,000 SH DEFINED 80,000
GEORGIA PAC CORP COM GA PAC GRP 373298108 2,979 107,908 SH DEFINED 105,256 2,072 580
GEORGIA PAC CORP COM GA PAC GRP 373298108 55 2,000 SH OTHER 2,000
GILEAD SCIENCES INC COM 375558103 4,600 70,000 SH DEFINED 70,000
GILLETTE CO COM 375766102 4,096 122,633 SH DEFINED 101,394 21,239
GILLETTE CO COM 375766102 2,458 73,579 SH OTHER 53,029 1,700 18,850
GLAXO SMITHKLINE SPONSORED ADR 37733W105 187 3,761 SH DEFINED 3,716 45
GLAXO SMITHKLINE SPONSORED ADR 37733W105 102 2,050 SH OTHER 2,050
GRAY COMMUNICATIONS SYSTEM INC COM 389190109 1,562 112,502 SH DEFINED 112,502
HCB BANCSHARES INC COM 40413N106 2,592 204,855 SH DEFINED 204,855
HALLIBURTON CO COM 406216101 277 21,115 SH DEFINED 20,815 300
HALLIBURTON CO COM 406216101 164 12,494 SH OTHER 7,620 4,874
HARTFORD FINL SVCS GROUP INC COM 416515104 214 3,405 SH DEFINED 3,405
HARTFORD FINL SVCS GROUP INC COM 416515104 14 225 SH OTHER 225
HEALTHSOUTH CORP COM 421924101 80 5,375 SH DEFINED 5,375
HEALTHSOUTH CORP COM 421924101 106 7,150 SH OTHER 7,150
HEALTH MGMT ASSOC INC NEW CL A 421933102 368 20,000 SH DEFINED 20,000
HEINZ H J CO COM 423074103 1,963 47,736 SH DEFINED 46,836 900
HEINZ H J CO COM 423074103 360 8,745 SH OTHER 7,845 900
HERSHEY FOODS CORP COM 427866108 934 13,798 SH DEFINED 13,373 425
HERSHEY FOODS CORP COM 427866108 699 10,332 SH OTHER 8,800 100 1,432
HEWLETT PACKARD CO COM 428236103 1,601 77,945 SH DEFINED 76,945 1,000
HEWLETT PACKARD CO COM 428236103 648 31,541 SH OTHER 26,692 4,849
HIBERNIA CORP CL A 428656102 444 24,976 SH DEFINED 24,976
HILTON HOTELS COM 432848109 1,278 116,993 SH DEFINED 15,777 101,216
HOME DEPOT INC COM 437076102 26,255 514,697 SH DEFINED 499,151 2,069 13,477
HOME DEPOT INC COM 437076102 1,885 36,948 SH OTHER 25,846 2,062 9,040
HONEYWELL INTERNATIONAL INC COM 438516106 680 20,101 SH DEFINED 19,216 885
HONEYWELL INTERNATIONAL INC COM 438516106 370 10,933 SH OTHER 2,027 8,906
HOST MARRIOTT CORP NEW (REIT) COM 44107P104 713 79,263 SH DEFINED 4,465 74,798
HOUSEHOLD INTERNATIONAL CORP COM 441815107 365 6,308 SH DEFINED 6,308
HOUSEHOLD INTERNATIONAL CORP COM 441815107 401 6,927 SH OTHER 6,927
HOUSTON EXPL CO COM 442120101 2,686 80,000 SH DEFINED 80,000
ICN PHARMACEUTICALS INC NEW COM 448924100 1,518 45,300 SH DEFINED 45,300
ICOS CORP COM 449295104 2,298 40,000 SH DEFINED 40,000
IDEC PHARMACEUTICALS CORP COM 449370105 4,825 70,000 SH DEFINED 70,000
INPRIMIS INC COM 45769X103 10,000 SH OTHER 10,000
INSURED MUNICIPAL INCOME FUND COM 45809F104 600 44,583 SH DEFINED 44,583
INSURED MUNICIPAL INCOME FUND COM 45809F104 12 865 SH OTHER 865
INTEGRATED DEVICE TECH INC COM 458118106 1,861 70,000 SH DEFINED 70,000
INTEL CORP COM 458140100 54,934 1,746,725 SH DEFINED 1,668,000 4,060 74,665
INTEL CORP COM 458140100 6,929 220,317 SH OTHER 176,248 9,550 34,519
INTERGRAPH CORP COM 458683109 416 30,250 SH DEFINED 30,250
INTERGRAPH CORP COM 458683109 48 3,500 SH OTHER 3,500
INTL BUSINESS MACHINES CORP COM 459200101 54,109 447,328 SH DEFINED 417,515 480 29,333
INTL BUSINESS MACHINES CORP COM 459200101 7,254 59,967 SH OTHER 46,558 3,160 10,249
INTL FLAVORS & FRAGRANCES INC COM 459506101 125 4,208 SH DEFINED 3,958 250
INTL FLAVORS & FRAGRANCES INC COM 459506101 114 3,822 SH OTHER 3,522 300
INTERNATIONAL GAME TECHNOLOGY COM 459902102 410 6,000 SH DEFINED 6,000
INTERNATIONAL PAPER CO COM 460146103 9,024 223,654 SH DEFINED 221,571 300 1,783
INTERNATIONAL PAPER CO COM 460146103 1,728 42,818 SH OTHER 42,418 400
INTERPUBLIC GROUP COS INC COM 460690100 83 2,794 SH DEFINED 2,794
INTERPUBLIC GROUP COS INC COM 460690100 143 4,842 SH OTHER 4,312 530
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 1,172 30,000 SH DEFINED 30,000
IVAX CORP COM 465823102 2,429 120,616 SH DEFINED 120,616
JDS UNIPHASE CORP COM 46612J101 6,271 722,443 SH DEFINED 715,260 7,183
JDS UNIPHASE CORP COM 46612J101 78 9,011 SH OTHER 3,411 425 5,175
JP MORGAN CHASE & CO COM 46625H100 13,102 360,454 SH DEFINED 349,478 3,980 6,996
JP MORGAN CHASE & CO COM 46625H100 1,255 34,523 SH OTHER 20,458 8,025 6,040
JEFFERSON PILOT CORP COM 475070108 12,548 271,182 SH DEFINED 241,974 1,005 28,203
JEFFERSON PILOT CORP COM 475070108 4,530 97,915 SH OTHER 58,388 3,665 35,862
JOHNSON & JOHNSON COM 478160104 54,828 927,718 SH DEFINED 873,766 2,500 51,452
JOHNSON & JOHNSON COM 478160104 5,332 90,214 SH OTHER 61,700 5,874 22,640
JONES APPAREL GROUP INC COM 480074103 1,990 60,000 SH DEFINED 60,000
KELLOGG CO COM 487836108 137 4,545 SH DEFINED 3,345 1,200
KELLOGG CO COM 487836108 337 11,200 SH OTHER 10,400 800
KEYCORP NEW COM 493267108 1,209 49,667 SH DEFINED 48,347 1,320
KEYCORP NEW COM 493267108 12 500 SH OTHER 400 100
KIMBERLY CLARK CORP COM 494368103 21,734 363,449 SH DEFINED 340,600 489 22,360
KIMBERLY CLARK CORP COM 494368103 3,661 61,222 SH OTHER 53,259 4,488 3,475
KNIGHT RIDDER INC COM 499040103 2,071 31,897 SH DEFINED 3,333 28,564
KRAFT FOODS INC CL A 50075N104 809 23,765 SH DEFINED 22,270 1,495
KRAFT FOODS INC CL A 50075N104 7 200 SH OTHER 200
LEGG MASON INC COM 524901105 2,499 50,000 SH DEFINED 50,000
LEHMAN BROS HLDGS INC COM 524908100 132 1,978 SH DEFINED 1,938 40
LEHMAN BROS HLDGS INC COM 524908100 104 1,554 SH OTHER 1,240 314
LILLY ELI & CO COM 532457108 2,952 37,590 SH DEFINED 37,280 310
LILLY ELI & CO COM 532457108 2,601 33,113 SH OTHER 29,913 3,200
LIMITED INC COM 532716107 4,922 334,376 SH DEFINED 332,776 1,600
LIMITED INC COM 532716107 19 1,300 SH OTHER 1,300
LINCARE HLDGS INC COM 532791100 1,490 52,000 SH DEFINED 52,000
LINCOLN NATIONAL CORP IND COM 534187109 6,726 138,480 SH DEFINED 137,530 950
LINCOLN NATIONAL CORP IND COM 534187109 53 1,100 SH OTHER 1,100
LIZ CLAIBORNE INC COM 539320101 1,401 28,169 SH DEFINED 28,169
LIZ CLAIBORNE INC COM 539320101 35 700 SH OTHER 700
LOCKHEED MARTIN CORP COM 539830109 98 2,099 SH DEFINED 1,839 260
LOCKHEED MARTIN CORP COM 539830109 165 3,537 SH OTHER 3,256 281
LOEWS CORP COM 540424108 7 130 SH DEFINED 130
LOEWS CORP COM 540424108 997 18,000 SH OTHER 18,000
LONE STAR TECHNOLOGIES INC COM 542312103 3,344 190,000 SH DEFINED 190,000
LOUISIANA PACIFIC CORP COM 546347105 804 95,247 SH DEFINED 94,969 278
LOWES COS INC COM 548661107 15,728 338,900 SH DEFINED 335,147 3,753
LOWES COS INC COM 548661107 142 3,050 SH OTHER 2,650 400
LUCENT TECHNOLOGIES INC COM 549463107 153 24,222 SH DEFINED 22,326 1,896
LUCENT TECHNOLOGIES INC COM 549463107 238 37,845 SH OTHER 23,719 1,036 13,090
MBNA CORP COM 55262L100 327 9,286 SH DEFINED 9,286
MBNA CORP COM 55262L100 224 6,354 SH OTHER 6,354
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 57 9,565 SH DEFINED 9,565
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 4 600 SH OTHER 600
MANULIFE FINL CORP COM 56501R106 216 8,299 SH DEFINED 8,299
MARSH & MCLENNAN COS INC COM 571748102 3,663 34,087 SH DEFINED 33,195 892
MARSH & MCLENNAN COS INC COM 571748102 820 7,634 SH OTHER 1,116 100 6,418
MARRIOTT INTL INC NEW CL A 571903202 5,104 125,548 SH DEFINED 92,216 33,332
MARRIOTT INTL INC NEW CL A 571903202 297 7,300 SH OTHER 7,300
MASCO CORP COM 574599106 249 10,150 SH DEFINED 10,150
MASCO CORP COM 574599106 453 18,500 SH OTHER 3,400 15,100
MATTEL, INC. COM 577081102 211 12,266 SH DEFINED 11,866 400
MATTEL, INC. COM 577081102 53 3,100 SH OTHER 3,100
MAY DEPT STORES CO COM 577778103 100 2,700 SH DEFINED 2,700
MAY DEPT STORES CO COM 577778103 186 5,022 SH OTHER 5,022
MAYTAG CORP COM 578592107 22,051 710,648 SH DEFINED 710,648
MAYTAG CORP COM 578592107 73 2,350 SH OTHER 2,000 350
MCCORMICK & CO INC COMMON STOCK COM 579780206 754 17,964 SH DEFINED 17,964
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 37 888 SH OTHER 888
MCDONALDS CORP COM NON VTG 580135101 1,743 65,829 SH DEFINED 62,529 3,300
MCDONALDS CORP COM 580135101 1,476 55,750 SH OTHER 50,150 5,600
MCGRAW-HILL COMPANIES INC NEW COM 580645109 916 15,014 SH DEFINED 14,614 400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 85 1,400 SH OTHER 1,200 200
MCKESSON CORPORATION COM 58155Q103 186 4,968 SH DEFINED 4,968
MCKESSON CORPORATION COM 58155Q103 127 3,383 SH OTHER 3,383
MEAD CORP COM 582834107 1,636 52,965 SH DEFINED 49,889 3,076
MEAD CORP COM 582834107 2,540 82,228 SH OTHER 30,816 51,412
MEDICIS PHARMACEUTICAL CORP CL A NEW 584690309 210 3,250 SH DEFINED 3,250
MEDIMMUNE INC COM 584699102 1,670 36,030 SH DEFINED 36,030
MEDTRONIC INC COM 585055106 6,236 121,768 SH DEFINED 121,149 619
MEDTRONIC INC COM 585055106 794 15,500 SH OTHER 3,500 12,000
MELLON FINL CORP COM 58551A108 1,208 32,100 SH DEFINED 32,000 100
MELLON FINL CORP COM 58551A108 45 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 17,402 295,950 SH DEFINED 271,977 1,730 22,243
MERCK & CO INC COM 589331107 9,207 156,586 SH OTHER 120,363 2,184 34,039
MERRILL LYNCH & CO INC COM 590188108 6,663 127,834 SH DEFINED 127,834
MERRILL LYNCH & CO INC COM 590188108 3 50 SH OTHER 50
MICREL INC COM 594793101 1,049 40,000 SH DEFINED 40,000
MICROSOFT CORP COM 594918104 47,932 723,499 SH DEFINED 693,026 3,022 27,451
MICROSOFT CORP COM 594918104 3,758 56,728 SH OTHER 42,961 1,734 12,033
MICROCHIP TECHNOLOGY INC COM 595017104 2,324 60,000 SH DEFINED 60,000
MICRON TECHNOLOGY INC COM 595112103 490 15,810 SH DEFINED 13,710 250 1,850
MICRON TECHNOLOGY INC COM 595112103 135 4,350 SH OTHER 3,500 250 600
MILLENNIUM PHARMACTCLS INC COM 599902103 4,414 180,100 SH DEFINED 180,000 100
MINNESOTA MINING & MFG CO COM 604059105 2,609 22,071 SH DEFINED 20,021 1,266 784
MINNESOTA MINING & MFG CO COM 604059105 2,209 18,688 SH OTHER 15,021 883 2,784
MIRANT CORP COM 604675108 4,542 283,513 SH DEFINED 275,611 119 7,783
MIRANT CORP COM 604675108 580 36,202 SH OTHER 26,533 1,753 7,916
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 10,524 188,134 SH DEFINED 185,657 2,477
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 530 9,468 SH OTHER 9,468
MOTOROLA INC COM 620076109 2,548 169,621 SH DEFINED 166,271 3,350
MOTOROLA INC COM 620076109 503 33,500 SH OTHER 27,700 5,800
MUNIHOLDINGS FD II INC COM 625935101 135 10,900 SH DEFINED 10,900
MUNIHOLDINGS INSD FD II INC COM 62625A102 128 10,000 SH DEFINED 10,000
MUNIHOLDINGS INSD FD II INC COM 62625A102 9 700 SH OTHER 700
MURPHY OIL CORP COM 626717102 1,609 19,150 SH DEFINED 19,150
MYLAN LABORATORIES INC COM 628530107 1,500 40,000 SH DEFINED 40,000
NASDAQ 100 TR UNIT SER 1 631100104 18,723 481,175 SH DEFINED 480,675 500
NASDAQ 100 TR UNIT SER 1 631100104 110 2,836 SH OTHER 316 2,520
NATIONAL CITY CORP COM 635405103 230 7,852 SH DEFINED 7,682 170
NATIONAL CITY CORP COM 635405103 58 2,000 SH OTHER 2,000
NATIONAL COMM FINL CORP COM 63545P104 2,530 100,000 SH DEFINED 100,000
NATIONAL COMM FINL CORP COM 63545P104 89 3,499 SH OTHER 3,331 168
NATIONAL-OILWELL INC COM 637071101 1,237 60,000 SH DEFINED 60,000
NETWORK APPLIANCE INC DELEWARE COM 64120L104 1,567 71,644 SH DEFINED 71,444 200
NIKE INC CL B CL B 654106103 418 7,425 SH DEFINED 7,425
NIKE INC CL B CL B 654106103 62 1,100 SH OTHER 1,100
NOKIA CORP SPONSORED ADR 654902204 5,609 228,640 SH DEFINED 211,570 17,070
NOKIA CORP SPONSORED ADR 654902204 772 31,456 SH OTHER 7,881 23,575
NOBLE DRILLING CORP COM 655042109 1,838 54,000 SH DEFINED 54,000
NORFOLK SOUTHERN CORPORATION COM 655844108 305 16,641 SH DEFINED 15,633 1,008
NORFOLK SOUTHERN CORPORATION COM 655844108 330 18,009 SH OTHER 14,409 3,600
NORTEL NETWORKS CORP NEW COM 656568102 2,042 273,777 SH DEFINED 271,593 2,184
NORTEL NETWORKS CORP NEW COM 656568102 58 7,824 SH OTHER 5,774 2,050
NORTH FORK BANCORP INC N Y COM 659424105 3,199 100,000 SH DEFINED 100,000
NUCOR CORP COM 670346105 180 3,400 SH DEFINED 3,400
NUCOR CORP COM 670346105 85 1,600 SH OTHER 1,600
NUVEEN PERFORM PLUS MUN FD INC COM 67062P108 178 12,650 SH DEFINED 12,650
NUVEEN PERFORM PLUS MUN FD INC COM 67062P108 10 700 SH OTHER 700
NVIDIA CORP COM 67066G104 5,620 84,000 SH DEFINED 84,000
NUVEEN DIVIDEND ADV MUNI 3 COM SH BEN INT 67070X101 272 20,000 SH DEFINED 20,000
OGE ENERGY CORP COM 670837103 171 7,400 SH DEFINED 7,400
OGE ENERGY CORP COM 670837103 54 2,350 SH OTHER 2,200 150
NUVEEN MUN VALUE FD INC COM 670928100 202 21,912 SH DEFINED 20,608 1,304
NUVEEN MUN VALUE FD INC COM 670928100 34 3,666 SH OTHER 3,666
NUVEEN TEX QUAL INCM MUN FD COM 670983105 722 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 552 20,796 SH DEFINED 20,546 250
OCCIDENTAL PETE CORP COM 674599105 5 200 SH OTHER 200
OLD REPUBLIC INTL CORP COM 680223104 68 2,438 SH DEFINED 2,438
OLD REPUBLIC INTL CORP COM 680223104 9,130 325,960 SH OTHER 77,686 248,274
OMNICOM GROUP COM 681919106 109 1,219 SH DEFINED 1,219
OMNICOM GROUP COM 681919106 534 5,982 SH OTHER 5,982
ONEOK INC NEW COM 682680103 332 18,606 SH DEFINED 18,606
ORACLE CORPORATION COM 68389X105 10,305 746,185 SH DEFINED 725,405 10,591 10,189
ORACLE CORPORATION COM 68389X105 536 38,814 SH OTHER 28,858 9,496 460
OUTBACK STEAKHOUSE INC COM 689899102 331 9,650 SH DEFINED 9,650
OXFORD HEALTH PLANS INC COM 691471106 1,206 40,000 SH DEFINED 40,000
PNC FINANCIAL SERVICES GROUP COM 693475105 112 1,990 SH DEFINED 950 1,000 40
PNC FINANCIAL SERVICES GROUP COM 693475105 152 2,701 SH OTHER 400 1,791 510
PPG INDUSTRIES INC COM 693506107 7 126 SH DEFINED 126
PPG INDUSTRIES INC COM 693506107 321 6,200 SH OTHER 5,800 400
PEMCO AVIATION GROUP INC COM 706444106 159 10,000 SH DEFINED 10,000
PEOPLES BANCTRUST INC COM 709796106 4,760 405,100 SH DEFINED 405,100
PEOPLES BANCTRUST INC COM 709796106 58 4,928 SH OTHER 4,928
PEPSICO INC COM 713448108 23,459 481,799 SH DEFINED 469,166 450 12,183
PEPSICO INC COM 713448108 2,427 49,841 SH OTHER 26,965 5,294 17,582
PFIZER INC COM 717081103 45,025 1,129,855 SH DEFINED 1,077,876 700 51,279
PFIZER INC COM 717081103 5,986 150,203 SH OTHER 95,509 5,116 49,578
PHARMACIA CORP COM 71713U102 8,897 208,607 SH DEFINED 200,726 290 7,591
PHARMACIA CORP COM 71713U102 1,958 45,906 SH OTHER 30,126 4,030 11,750
PHILIP MORRIS COS INC COM 718154107 15,395 335,761 SH DEFINED 330,225 900 4,636
PHILIP MORRIS COS INC COM 718154107 2,981 65,024 SH OTHER 57,122 6,500 1,402
PHILLIPS PETE CO COM 718507106 10,025 166,360 SH DEFINED 165,580 780
PHILLIPS PETE CO COM 718507106 84 1,400 SH OTHER 1,400
PIONEER NATURAL RESOURCES CO COM 723787107 992 51,500 SH DEFINED 5,000 46,500
PITNEY BOWES INC COM 724479100 1,252 33,296 SH DEFINED 32,200 1,096
PITNEY BOWES INC COM 724479100 436 11,600 SH OTHER 11,600
PLUM CREEK TIMBER CO INC COM 729251108 4,252 149,968 SH DEFINED 92,201 57,767
PLUM CREEK TIMBER CO INC COM 729251108 131 4,625 SH OTHER 3,575 1,050
PRAXAIR INC COM 74005P104 50 900 SH DEFINED 900
PRAXAIR INC COM 74005P104 180 3,255 SH OTHER 1,350 300 1,605
PROASSURANCE CORP COM 74267C106 287 16,329 SH DEFINED 13,238 3,091
PROASSURANCE CORP COM 74267C106 29 1,633 SH OTHER 1,633
PROCTER & GAMBLE CO COM 742718109 26,740 337,925 SH DEFINED 318,214 830 18,881
PROCTER & GAMBLE CO COM 742718109 6,816 86,138 SH OTHER 56,950 3,530 25,658
PROGRESS ENERGY INC COM 743263105 757 16,804 SH DEFINED 16,554 250
PROGRESS ENERGY INC COM 743263105 154 3,422 SH OTHER 1,327 95 2,000
PROTECTIVE LIFE CORP COM 743674103 1,748 60,423 SH DEFINED 60,423
PROTECTIVE LIFE CORP COM 743674103 6,559 226,710 SH OTHER 225,354 700 656
PROTEIN DESIGN LABS INC COM 74369L103 1,968 60,000 SH DEFINED 60,000
PROVIDIAN FINL CORP COM 74406A102 1 222 SH DEFINED 222
PROVIDIAN FINL CORP COM 74406A102 105 29,680 SH OTHER 15,880 13,800
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 190 4,497 SH DEFINED 4,497
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 36 844 SH OTHER 94 750
PUTNAM INVT GRADE MUN TR COM 746805100 317 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 2,606 327,816 SH DEFINED 325,367 2,449
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 76 12,568 SH DEFINED 7,718 4,850
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 10 1,600 SH OTHER 1,600
QUALCOMM INC COM 747525103 5,052 100,036 SH DEFINED 91,131 8,905
QUALCOMM INC COM 747525103 735 14,549 SH OTHER 4,999 9,550
QUEST DIAGNOSTICS INC COM 74834L100 3,586 50,000 SH DEFINED 50,000
QUESTAR CORP COM 748356102 304 12,150 SH DEFINED 12,050 100
QUESTAR CORP COM 748356102 25 1,000 SH OTHER 1,000
QWEST COMM INTL INC COM 749121109 190 13,439 SH DEFINED 12,395 1,044
QWEST COMM INTL INC COM 749121109 91 6,472 SH OTHER 5,321 1,151
RADIOSHACK CORP COM 750438103 77 2,567 SH DEFINED 2,467 100
RADIOSHACK CORP COM 750438103 205 6,800 SH OTHER 6,800
RATIONAL SOFTWARE CORP COM NEW 75409P202 1,365 70,000 SH DEFINED 70,000
RAYTHEON CO (NEW) COM NEW 755111507 3,782 116,481 SH DEFINED 115,451 1,030
RAYTHEON CO (NEW) COM NEW 755111507 88 2,724 SH OTHER 1,769 300 655
REGIONS FINANCIAL CORP COM 758940100 100,622 3,360,789 SH DEFINED 2,584,563 10,495 765,731
REGIONS FINANCIAL CORP COM 758940100 55,580 1,856,379 SH OTHER 1,581,074 44,791 230,514
RELIANT ENERGY INC COM 75952J108 578 21,786 SH DEFINED 20,820 966
RELIANT ENERGY INC COM 75952J108 206 7,773 SH OTHER 1,247 4,028 2,498
ROCKWELL INTL CORP NEW COM 773903109 308 17,262 SH DEFINED 17,262
ROCKWELL INTL CORP NEW COM 773903109 55 3,089 SH OTHER 1,642 1,447
ROCKWELL COLLINS INC COM 774341101 344 17,662 SH DEFINED 17,662
ROCKWELL COLLINS INC COM 774341101 60 3,089 SH OTHER 1,642 1,447
ROSS STORES INC COM 778296103 1,925 60,000 SH DEFINED 60,000
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 3,858 78,699 SH DEFINED 78,299 300 100
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 646 13,184 SH OTHER 10,184 2,000 1,000
RUBY TUESDAY INC COM 781182100 5,341 258,887 SH DEFINED 211,747 824 46,316
RUBY TUESDAY INC COM 781182100 1,760 85,328 SH OTHER 71,528 13,800
RUSSELL CORP COM 782352108 50 3,315 SH DEFINED 3,315
RUSSELL CORP COM 782352108 154 10,246 SH OTHER 950 9,296
SBC COMMUNICATIONS INC NEW COM 78387G103 8,146 207,970 SH DEFINED 191,200 450 16,320
SBC COMMUNICATIONS INC NEW COM 78387G103 2,691 68,692 SH OTHER 42,259 6,809 19,624
SPDR TR UNIT SER 1 78462F103 641 5,610 SH DEFINED 2,180 3,430
SPDR TR UNIT SER 1 78462F103 322 2,820 SH OTHER 2,120 700
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 262 12,010 SH DEFINED 12,010
SAFEWAY INC COM NEW 786514208 319 7,649 SH DEFINED 7,649
SAFEWAY INC COM NEW 786514208 9 225 SH OTHER 225
ST PAUL COS INC COM 792860108 403 9,163 SH DEFINED 8,825 338
ST PAUL COS INC COM 792860108 200 4,548 SH OTHER 4,548
SAKS INC COM 79377W108 290 30,999 SH DEFINED 3,333 27,666
SAKS INC COM 79377W108 1 132 SH OTHER 132
SANMINA CORP COM 800907107 142 7,142 SH DEFINED 4,932 2,210
SANMINA CORP COM 800907107 146 7,344 SH OTHER 6,800 544
SARA LEE CORP COM 803111103 522 23,493 SH DEFINED 23,493
SARA LEE CORP COM 803111103 434 19,504 SH OTHER 14,334 5,170
SCANA CORP NEW COM 80589M102 864 31,035 SH DEFINED 28,185 2,850
SCANA CORP NEW COM 80589M102 186 6,697 SH OTHER 6,597 100
SCHERING-PLOUGH CORP COM 806605101 12,190 340,413 SH DEFINED 332,673 7,740
SCHERING-PLOUGH CORP COM 806605101 1,046 29,199 SH OTHER 16,943 8,471 3,785
SCHLUMBERGER LTD COM 806857108 5,993 109,072 SH DEFINED 96,407 12,665
SCHLUMBERGER LTD COM 806857108 1,283 23,355 SH OTHER 12,755 300 10,300
SCHWAB CHARLES CORP NEW COM 808513105 3,498 226,136 SH DEFINED 226,136
SCHWAB CHARLES CORP NEW COM 808513105 3 200 SH OTHER 200
SCUDDER MUN INCOME TR COM SH BEN INT 81118R604 468 42,185 SH DEFINED 41,000 1,185
SEARS ROEBUCK & CO COM 812387108 807 16,949 SH DEFINED 15,115 1,584 250
SEARS ROEBUCK & CO COM 812387108 263 5,524 SH OTHER 4,733 791
SECTOR SPDR TRUST SBI INT-TECH 81369Y803 600 25,000 SH DEFINED 25,000
SEMPRA ENERGY COM 816851109 258 10,506 SH DEFINED 10,506
SEPRACOR INC COM 817315104 5,706 100,000 SH DEFINED 100,000
SERVICEMASTER CO COM 81760N109 1,689 122,375 SH DEFINED 13,375 109,000
SHELL TRANS & TRAD PLC SH NEW NEW YRK SH NEW 822703609 162 3,900 SH DEFINED 3,675 225
SHELL TRANS & TRAD PLC SH NEW NEW YRK SH NEW 822703609 199 4,800 SH OTHER 4,800
SICOR INC COM 825846108 2,352 150,000 SH DEFINED 150,000
SIMON PPTY GROUP INC NEW (REIT) COM 828806109 106 3,615 SH DEFINED 3,615
SIMON PPTY GROUP INC NEW (REIT) COM 828806109 100 3,425 SH OTHER 3,425
SMITH INTL INC COM 832110100 2,456 45,800 SH DEFINED 45,800
SOLECTRON CORP COM 834182107 3,534 313,320 SH DEFINED 311,820 1,500
SOLECTRON CORP COM 834182107 88 7,775 SH OTHER 7,000 775
SOLUTIA INC COM 834376105 1,285 91,666 SH DEFINED 91,566 100
SOLUTIA INC COM 834376105 18 1,316 SH OTHER 1,316
SONOCO PRODUCTS CO COM 835495102 358 13,462 SH DEFINED 3,462 10,000
SONOCO PRODUCTS CO COM 835495102 189 7,122 SH OTHER 7,122
SOUTH ALABAMA BANCORP INC COM 836234104 240 24,305 SH DEFINED 21,305 3,000
SOUTH ALABAMA BANCORP INC COM 836234104 209 21,100 SH OTHER 21,100
SOUTHERN CO COM 842587107 7,223 284,926 SH DEFINED 267,419 300 17,207
SOUTHERN CO COM 842587107 2,696 106,362 SH OTHER 83,068 3,179 20,115
SOUTHSIDE BANCSHARES INC COM 84470P109 167 13,334 SH DEFINED 13,334
SOUTHTRUST CORP COM 844730101 5,475 221,926 SH DEFINED 193,092 870 27,964
SOUTHTRUST CORP COM 844730101 7,416 300,594 SH OTHER 252,536 48,058
SOUTHWEST AIRLINES CO COM 844741108 4,314 233,468 SH DEFINED 231,243 2,225
SOUTHWEST AIRLINES CO COM 844741108 78 4,237 SH OTHER 3,487 750
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 3,130 155,860 SH DEFINED 155,860
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 200 9,938 SH OTHER 9,802 136
SPRINT CORP PCS COM SER 1 852061506 706 28,928 SH DEFINED 28,928
SPRINT CORP PCS COM SER 1 852061506 87 3,582 SH OTHER 3,514 68
STATE STR CORP COM 857477103 163 3,128 SH DEFINED 3,128
STATE STR CORP COM 857477103 841 16,096 SH OTHER 16,096
STERLING BANCSHARES INC COM 858907108 402 32,116 SH DEFINED 32,116
STILWELL FINL INC COM 860831106 362 13,288 SH DEFINED 13,288
SUN MICROSYSTEMS INC COM 866810104 10,054 817,364 SH DEFINED 793,073 700 23,591
SUN MICROSYSTEMS INC COM 866810104 495 40,232 SH OTHER 24,427 6,190 9,615
SUNGARD DATA SYS INC COM 867363103 3,944 136,330 SH DEFINED 126,330 10,000
SUNGARD DATA SYS INC COM 867363103 20 700 SH OTHER 700
SUNTRUST BANKS INC COM 867914103 3,962 63,184 SH DEFINED 58,884 4,300
SUNTRUST BANKS INC COM 867914103 1,102 17,575 SH OTHER 15,746 1,829
SYBASE INC COM 871130100 788 50,000 SH DEFINED 50,000
SYNOVUS FINANCIAL CORP COM 87161C105 1,048 41,840 SH DEFINED 16,444 450 24,946
SYNOVUS FINANCIAL CORP COM 87161C105 2,756 110,040 SH OTHER 106,120 505 3,415
SYSCO CORP COM 871829107 666 25,414 SH DEFINED 23,265 2,149
SYSCO CORP COM 871829107 200 7,644 SH OTHER 6,844 800
TCF FINL CORP COM 872275102 2,399 50,000 SH DEFINED 50,000
TECO ENERGY INC COM 872375100 511 19,490 SH DEFINED 19,490
TECO ENERGY INC COM 872375100 21 800 SH OTHER 800
TJX COMPANIES INC COM 872540109 287 7,200 SH DEFINED 7,000 200
TRW INC COM 872649108 57 1,540 SH DEFINED 1,540
TRW INC COM 872649108 163 4,398 SH OTHER 200 4,198
TXU CORP COM 873168108 7,064 149,821 SH DEFINED 148,791 1,030
TXU CORP COM 873168108 263 5,587 SH OTHER 3,181 2,150 256
TARGET CORP COM 87612E106 8,185 199,398 SH DEFINED 193,078 790 5,530
TARGET CORP COM 87612E106 662 16,135 SH OTHER 9,280 1,230 5,625
TELEFONICA S. A. SPONSORED ADR 879382208 487 12,152 SH DEFINED 12,152
TELEFONICA S. A. SPONSORED ADR 879382208 10 256 SH OTHER 256
TELEPHONE & DATA SYS INC COM 879433100 269 3,000 SH DEFINED 3,000
TELLABS INC COM 879664100 2,449 163,694 SH DEFINED 161,549 2,145
TELLABS INC COM 879664100 65 4,314 SH OTHER 2,616 743 955
TERADYNE INC COM 880770102 3,106 103,050 SH DEFINED 103,050
TEXAS INSTRUMENTS INC COM 882508104 14,242 508,647 SH DEFINED 491,415 17,232
TEXAS INSTRUMENTS INC COM 882508104 680 24,303 SH OTHER 16,537 1,166 6,600
TEXTRON INC COM 883203101 319 7,700 SH OTHER 7,700
TOPPS COMPANY COM 890786106 182 15,000 SH OTHER 15,000
TORCHMARK CORP COM 891027104 8,910 226,545 SH DEFINED 205,435 800 20,310
TORCHMARK CORP COM 891027104 10,237 260,295 SH OTHER 254,317 594 5,384
TRICON GLOBAL RESTAURANTS COM 895953107 1,636 33,260 SH DEFINED 4,192 29,068
TRIQUINT SEMICONDUCTOR INC COM 89674K103 666 54,350 SH DEFINED 54,350
TRIZEC HAHN CORPORATION SUB VTG 896938107 1,074 68,400 SH DEFINED 7,000 61,400
TRUSTMARK CORP COM 898402102 903 37,270 SH DEFINED 37,270
TYCO INTL LTD NEW COM 902124106 18,725 317,917 SH DEFINED 296,867 1,630 19,420
TYCO INTL LTD NEW COM 902124106 1,612 27,369 SH OTHER 20,759 2,720 3,890
USX-MARATHON GRP COM NEW 902905827 2,042 68,068 SH DEFINED 65,523 2,545
USX-MARATHON GRP COM NEW 902905827 101 3,383 SH OTHER 1,650 1,733
UST INC COM 902911106 15,028 429,360 SH DEFINED 429,100 260
UST INC COM 902911106 102 2,925 SH OTHER 2,400 525
US BANCORP DEL COM NEW COM NEW 902973304 4,692 224,156 SH DEFINED 224,156
US BANCORP DEL COM NEW COM NEW 902973304 454 21,711 SH OTHER 21,077 634
UNION PACIFIC CORP COM 907818108 2,998 52,595 SH DEFINED 52,595
UNION PACIFIC CORP COM 907818108 255 4,481 SH OTHER 3,475 1,006
UNION PLANTERS CORP COM 908068109 2,260 50,080 SH DEFINED 49,690 390
UNION PLANTERS CORP COM 908068109 8,028 177,892 SH OTHER 34,500 143,392
UNITED PARCEL SVC INC CL B 911312106 65 1,185 SH DEFINED 1,085 100
UNITED PARCEL SVC INC CL B 911312106 229 4,200 SH OTHER 4,200
UNITED SEC BANCSHARES INC SHS 911459105 3,082 108,793 SH DEFINED 56,320 500 51,973
UNITED SEC BANCSHARES INC SHS 911459105 14 500 SH OTHER 500
UNITED TECHNOLOGIES CORP COM 913017109 1,021 15,791 SH DEFINED 15,731 60
UNITED TECHNOLOGIES CORP COM 913017109 548 8,484 SH OTHER 8,364 120
UNITEDHEALTH GROUP INC COM 91324P102 1,448 20,458 SH DEFINED 20,458
UNITEDHEALTH GROUP INC COM 91324P102 14 200 SH OTHER 200
UNOCAL CORP COM 915289102 4,278 118,598 SH DEFINED 118,598
UNOCAL CORP COM 915289102 36 1,000 SH OTHER 1,000
USINTERNETWORKING INC COM 917311805 4 19,686 SH OTHER 19,686
V F CORP COM 918204108 2,709 69,448 SH DEFINED 52,770 150 16,528
V F CORP COM 918204108 16 400 SH OTHER 400
VERIZON COMMUNICATIONS COM 92343V104 15,101 318,194 SH DEFINED 281,277 880 36,037
VERIZON COMMUNICATIONS COM 92343V104 3,428 72,227 SH OTHER 48,843 10,275 13,109
VERTEX PHARMACEUTICALS INC COM 92532F100 1,475 60,000 SH DEFINED 60,000
VIACOM INC CL B 925524308 696 15,757 SH DEFINED 10,645 4,678 434
VIACOM INC CL B 925524308 40 911 SH OTHER 911
VITESSE SEMICONDUCTOR CORP COM 928497106 2,791 224,500 SH DEFINED 224,500
VITESSE SEMICONDUCTOR CORP COM 928497106 17 1,400 SH OTHER 1,400
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 118 2,200 SH DEFINED 2,200
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 207 3,840 SH OTHER 3,840
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 6,966 271,255 SH DEFINED 265,536 5,719
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 439 17,104 SH OTHER 4,130 3,410 9,564
VULCAN MATERIALS CO COM 929160109 13,247 276,321 SH DEFINED 274,773 1,548
VULCAN MATERIALS CO COM 929160109 6,324 131,922 SH OTHER 68,285 600 63,037
WACHOVIA CORP COM 929903102 7,856 250,519 SH DEFINED 246,509 610 3,400
WACHOVIA CORP COM 929903102 689 21,956 SH OTHER 10,884 2,710 8,362
WADDELL & REED FINL INC CL A CL A 930059100 547 16,980 SH DEFINED 16,980
WADDELL & REED FINL INC CL A CL A 930059100 3,252 100,995 SH OTHER 98,772 266 1,957
WAL MART STORES INC COM 931142103 48,324 839,685 SH DEFINED 811,769 271 27,645
WAL MART STORES INC COM 931142103 5,818 101,099 SH OTHER 79,068 5,549 16,482
WALGREEN CO COM 931422109 2,544 75,575 SH DEFINED 64,375 11,200
WALGREEN CO COM 931422109 44 1,300 SH OTHER 1,100 200
WASHINGTON MUTUAL INC COM 939322103 424 12,977 SH DEFINED 11,837 1,140
WASHINGTON MUTUAL INC COM 939322103 78 2,397 SH OTHER 2,397
WASTE MANAGEMENT COM COM 94106L109 1,883 59,003 SH DEFINED 6,663 52,340
WATSON PHARMACEUTICALS INC COM 942683103 940 29,934 SH DEFINED 28,490 1,444
WATSON PHARMACEUTICALS INC COM 942683103 18 583 SH OTHER 583
WEATHERFORD INTL INC NEW COM 947074100 1,639 44,000 SH DEFINED 44,000
WELLS FARGO & CO NEW COM 949746101 10,238 235,514 SH DEFINED 233,219 2,295
WELLS FARGO & CO NEW COM 949746101 663 15,256 SH OTHER 14,020 1,136 100
WESTAMERICA BANCORPORATION COM 957090103 1,583 40,000 SH DEFINED 40,000
WEYERHAEUSER CO COM 962166104 924 17,081 SH DEFINED 16,715 116 250
WEYERHAEUSER CO COM 962166104 134 2,479 SH OTHER 1,779 700
WILLIAMS COS INC COM 969457100 423 16,573 SH DEFINED 12,985 3,588
WILLIAMS COS INC COM 969457100 79 3,093 SH OTHER 2,993 100
WILMINGTON TR CORP COM 971807102 1,519 24,000 SH DEFINED 24,000
WINN DIXIE STORES INC COM 974280109 17 1,165 SH DEFINED 1,165
WINN DIXIE STORES INC COM 974280109 1,077 75,546 SH OTHER 75,316 230
WISCONSIN ENERGY CORP COM 976657106 427 18,930 SH DEFINED 17,930 1,000
WISCONSIN ENERGY CORP COM 976657106 27 1,186 SH OTHER 1,186
WORLDCOM INC/WORLDCOM GROUP WRLDCOM GP COM 98157D106 3,070 218,030 SH DEFINED 168,279 850 48,901
WORLDCOM INC/WORLDCOM GROUP WRLDCOM GP COM 98157D106 808 57,404 SH OTHER 39,745 17,659
WRIGLEY WM JR CO COM 982526105 3,005 58,502 SH DEFINED 58,002 500
WRIGLEY WM JR CO COM 982526105 627 12,200 SH OTHER 12,200
XTO ENERGY INC COM 98385X106 262 14,944 SH DEFINED 14,944
XCEL ENERGY INC COM 98389B100 223 8,050 SH DEFINED 7,980 70
XCEL ENERGY INC COM 98389B100 19 702 SH OTHER 470 232
XILINX INC COM 983919101 1,856 47,537 SH DEFINED 47,237 300
ZIMMER HLDGS INC COM 98956P102 342 11,192 SH DEFINED 10,757 435
ZIMMER HLDGS INC COM 98956P102 205 6,718 SH OTHER 5,425 1,293