UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: March 31, 2002
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 May 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: 741
Form 13F Information Table Value Total: $2,471,412(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 4,130 SH DEFINED 3,830 300
GLOBAL CROSSING LTD COM G3921A100 1 7,240 SH OTHER 7,040 200
HILFIGER TOMMY CORP ORD G8915Z102 3,444 240,000 SH DEFINED 240,000
TRANSOCEAN SEDCO FOREX INC ORD G90078109 252 7,577 SH DEFINED 6,988 589
TRANSOCEAN SEDCO FOREX INC ORD G90078109 306 9,217 SH OTHER 821 96 8,300
AFLAC INC COM 001055102 6,463 219,070 SH DEFINED 212,145 6,925
AFLAC INC COM 001055102 380 12,890 SH OTHER 6,400 3,050 3,440
AGL RES INC COM 001204106 89 3,788 SH DEFINED 3,788
AGL RES INC COM 001204106 354 15,076 SH OTHER 12,104 2,972
AOL TIME WARNER INC COM 00184A105 1,557 65,816 SH DEFINED 45,494 400 19,922
AOL TIME WARNER INC COM 00184A105 338 14,295 SH OTHER 10,270 4,025
A T & T CORP COM 001957109 2,132 135,803 SH DEFINED 62,154 73,649
A T & T CORP COM 001957109 831 52,932 SH OTHER 32,623 2,918 17,391
AT & T WIRELESS SERVICES INC COM 00209A106 178 19,932 SH DEFINED 19,009 923
AT & T WIRELESS SERVICES INC COM 00209A106 156 17,440 SH OTHER 11,551 466 5,423
ABBOTT LABORATORIES COM 002824100 10,582 201,185 SH DEFINED 199,140 2,045
ABBOTT LABORATORIES COM 002824100 1,496 28,432 SH OTHER 15,770 1,200 11,462
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 20,146 654,105 SH DEFINED 649,940 4,165
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 86 2,800 SH OTHER 2,800
ABERDEEN ASIA PAC PRIME INC COM 003009107 8 2,000 SH DEFINED 2,000
ABERDEEN ASIA PAC PRIME INC COM 003009107 106 25,000 SH OTHER 25,000
AEGON N V ORD AMER REG 007924103 554 22,684 SH DEFINED 22,684
AEGON N V ORD AMER REG 007924103 543 22,225 SH OTHER 14,233 7,992
AFFILIATED COMPUTER SVCS INC CL A 008190100 2,851 50,800 SH DEFINED 50,800
AGILENT TECHNOLOGIES INC COM 00846U101 4,540 129,869 SH DEFINED 128,931 938
AGILENT TECHNOLOGIES INC COM 00846U101 178 5,096 SH OTHER 4,639 457
AGNICO EAGLE MINES LTD COM 008474108 1,335 100,000 SH DEFINED 100,000
AIR PRODUCTS & CHEMICALS INC COM 009158106 150 2,900 SH DEFINED 2,900
AIR PRODUCTS & CHEMICALS INC COM 009158106 260 5,032 SH OTHER 4,032 1,000
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 230 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 355 9,625 SH DEFINED 9,625
ALBERTSONS INC COM 013104104 4,225 127,503 SH DEFINED 126,300 1,203
ALBERTSONS INC COM 013104104 25 745 SH OTHER 745
ALCOA INC COM 013817101 2,798 74,145 SH DEFINED 73,375 770
ALCOA INC COM 013817101 267 7,065 SH OTHER 6,640 425
ALEXANDER & BALDWIN INC COM COM 014482103 1,002 36,299 SH DEFINED 2,833 33,466
ALFA CORP COM 015385107 365 13,078 SH DEFINED 12,078 1,000
ALFA CORP COM 015385107 19 698 SH OTHER 698
ALLEGHENY ENERGY INC COM 017361106 223 5,400 SH DEFINED 5,200 200
ALLEGHENY ENERGY INC COM 017361106 33 800 SH OTHER 800
ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 227 4,900 SH DEFINED 4,400 500
ALLSTATE CORP COM 020002101 2,224 58,894 SH DEFINED 54,278 2,348 2,268
ALLSTATE CORP COM 020002101 476 12,600 SH OTHER 9,826 2,774
ALLTEL CORP COM 020039103 2,745 49,419 SH DEFINED 48,274 1,145
ALLTEL CORP COM 020039103 388 6,985 SH OTHER 6,185 500 300
AMERADA HESS CORP COM 023551104 5,402 68,070 SH DEFINED 67,770 300
AMERADA HESS CORP COM 023551104 48 600 SH OTHER 400 200
AMEREN CORP COM 023608102 203 4,759 SH DEFINED 4,709 50
AMEREN CORP COM 023608102 68 1,600 SH OTHER 1,600
AMERICAN EAGLE OUTFITTERS IN COM 02553E106 3,716 150,000 SH DEFINED 150,000
AMERICAN ELECTRIC POWER INC COM 025537101 971 21,070 SH DEFINED 20,043 1,027
AMERICAN ELECTRIC POWER INC COM 025537101 21 452 SH OTHER 120 332
AMERICAN EXPRESS CO COM 025816109 10,916 266,513 SH DEFINED 254,927 11,586
AMERICAN EXPRESS CO COM 025816109 2,196 53,621 SH OTHER 39,857 13,764
AMERICAN GREETINGS CORP CL A CL A 026375105 71 3,900 SH DEFINED 3,900
AMERICAN GREETINGS CORP CL A CL A 026375105 163 9,000 SH OTHER 3,600 5,400
AMERICAN INTL GROUP INC COM 026874107 14,867 206,085 SH DEFINED 193,587 12,498
AMERICAN INTL GROUP INC COM 026874107 2,975 41,241 SH OTHER 14,090 4,215 22,936
AMERICAN STD COS INC DEL COM 029712106 2,830 40,000 SH DEFINED 40,000
AMERISOURCEBERGEN CORP COM 03073E105 570 8,350 SH DEFINED 8,350
AMGEN INC COM 031162100 6,570 110,081 SH DEFINED 106,112 3,969
AMGEN INC COM 031162100 791 13,248 SH OTHER 4,975 278 7,995
AMSOUTH BANCORPORATION COM 032165102 9,327 424,362 SH DEFINED 382,702 41,660
AMSOUTH BANCORPORATION COM 032165102 9,003 409,605 SH OTHER 261,312 5,000 143,293
ANADARKO PETE CORP COM 032511107 4,690 83,101 SH DEFINED 83,081 20
ANADARKO PETE CORP COM 032511107 59 1,047 SH OTHER 1,047
ANHEUSER BUSCH COS INC COM 035229103 16,859 322,963 SH DEFINED 320,576 380 2,007
ANHEUSER BUSCH COS INC COM 035229103 828 15,856 SH OTHER 11,698 2,618 1,540
AON CORP COM 037389103 1,004 28,675 SH DEFINED 3,000 25,675
APPLERA CORP APPLID BIOSYS COM AP BIO GRP 038020103 134 6,000 SH DEFINED 6,000
APPLERA CORP APPLID BIOSYS COM AP BIO GRP 038020103 94 4,200 SH OTHER 4,200
APPLIED MATLS INC COM 038222105 10,209 188,120 SH DEFINED 172,140 15,980
APPLIED MATLS INC COM 038222105 180 3,325 SH OTHER 3,150 175
ASTORIA FINL CORP COM 046265104 872 30,000 SH DEFINED 30,000
ASTRAZENECA PLC SPONSORED ADR 046353108 288 5,800 SH DEFINED 5,800
AUBURN NATIONAL BANCORPORATION COM 050473107 185 14,500 SH DEFINED 14,500
AUBURN NATIONAL BANCORPORATION COM 050473107 350 27,450 SH OTHER 27,450
AUTOMATIC DATA PROCESSING INC COM 053015103 1,562 26,809 SH DEFINED 26,384 425
AUTOMATIC DATA PROCESSING INC COM 053015103 600 10,295 SH OTHER 5,680 4,615
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 20 11,542 SH OTHER 11,542
AVON PRODS INC COM 054303102 68 1,250 SH DEFINED 1,000 250
AVON PRODS INC COM 054303102 279 5,136 SH OTHER 5,136
BISYS GROUP INC COM 055472104 2,820 80,000 SH DEFINED 80,000
BJS WHSL CLUB INC COM 05548J106 3,129 70,000 SH DEFINED 70,000
BJ SVCS CO COM 055482103 7,586 220,070 SH DEFINED 219,600 470
BJ SVCS CO COM 055482103 14 400 SH OTHER 400
BP PLC ADR SPONSORED ADR 055622104 12,324 232,088 SH DEFINED 225,735 6,353
BP PLC ADR SPONSORED ADR 055622104 3,335 62,806 SH OTHER 52,563 7,884 2,359
BMC SOFTWARE INC COM 055921100 4,299 221,046 SH DEFINED 221,046
BMC SOFTWARE INC COM 055921100 2 100 SH OTHER 100
BAKER HUGHES INC COM 057224107 815 21,320 SH DEFINED 21,320
BAKER HUGHES INC COM 057224107 35 923 SH OTHER 923
BANK AMER CORP COM 060505104 29,209 429,425 SH DEFINED 413,982 4,155 11,288
BANK AMER CORP COM 060505104 15,381 226,121 SH OTHER 215,208 10,413 500
BANK NEW YORK INC COM 064057102 7,665 182,412 SH DEFINED 175,924 6,308 180
BANK NEW YORK INC COM 064057102 604 14,380 SH OTHER 200 3,580 10,600
BANK ONE CORP COM 06423A103 319 7,640 SH DEFINED 5,689 1,951
BANK ONE CORP COM 06423A103 410 9,823 SH OTHER 7,623 1,500 700
BANKNORTH GROUP INC COM 06646R107 1,075 40,800 SH DEFINED 40,800
BARRICK GOLD CORP COM 067901108 7,767 418,482 SH DEFINED 415,802 2,680
BARR LABS INC COM 068306109 1,316 20,000 SH DEFINED 20,000
BAXTER INTERNATIONAL INC COM 071813109 4,956 83,260 SH DEFINED 83,080 180
BAXTER INTERNATIONAL INC COM 071813109 815 13,688 SH OTHER 11,260 1,880 548
BEAR STEARNS COS INC COM 073902108 189 3,013 SH DEFINED 3,013
BEAR STEARNS COS INC COM 073902108 74 1,177 SH OTHER 1,177
BECKMAN COULTER INC COM 075811109 1,578 30,905 SH DEFINED 30,905
BECTON DICKINSON & CO COM 075887109 347 9,200 SH DEFINED 9,200
BECTON DICKINSON & CO COM 075887109 38 1,008 SH OTHER 1,008
BED BATH & BEYOND INC COM 075896100 4,189 124,130 SH DEFINED 123,200 930
BED BATH & BEYOND INC COM 075896100 25 730 SH OTHER 600 130
BELLSOUTH CORP COM 079860102 8,915 241,863 SH DEFINED 215,841 1,650 24,372
BELLSOUTH CORP COM 079860102 5,168 140,210 SH OTHER 76,818 33,860 29,532
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 640 9 SH DEFINED 8 1
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,422 20 SH OTHER 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 967 408 SH DEFINED 403 5
BERKSHIRE HATHAWAY INC DEL CL B 084670207 588 248 SH OTHER 245 3
BEST BUY INC COM 086516101 1,236 15,600 SH DEFINED 15,250 350
BEST BUY INC COM 086516101 27 340 SH OTHER 340
BIOCRYST PHARMACEUTICALS INC COM 09058V103 7 1,500 SH DEFINED 1,500
BIOCRYST PHARMACEUTICALS INC COM 09058V103 521 114,054 SH OTHER 6,000 108,054
BLACKROCK INSD MUN TERM TR INC COM 092474105 261 25,000 SH DEFINED 25,000
BLOCK H & R INC COM 093671105 267 6,000 SH DEFINED 4,400 1,600
BLOCK H & R INC COM 093671105 213 4,800 SH OTHER 4,800
BLOUNT INTL INC NEW COM 095180105 119 41,851 SH OTHER 41,851
BOEING CO COM 097023105 15,257 316,211 SH DEFINED 313,453 2,758
BOEING CO COM 097023105 419 8,683 SH OTHER 5,913 2,770
BRINKER INTL INC COM 109641100 1,621 50,000 SH DEFINED 50,000
BRISTOL MYERS SQUIBB CO COM 110122108 18,003 444,621 SH DEFINED 408,537 1,340 34,744
BRISTOL MYERS SQUIBB CO COM 110122108 5,069 125,201 SH OTHER 102,419 8,974 13,808
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 2,849 94,411 SH DEFINED 92,987 1,424
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 213 7,044 SH OTHER 5,619 1,425
BURLINGTON RESOURCES INC COM 122014103 521 12,991 SH DEFINED 8,959 1,436 2,596
BURLINGTON RESOURCES INC COM 122014103 175 4,354 SH OTHER 3,486 868
CDW COMPUTER CTRS INC COM 125129106 4,531 90,000 SH DEFINED 90,000
CIGNA CORP COM 125509109 51 500 SH DEFINED 500
CIGNA CORP COM 125509109 223 2,196 SH OTHER 2,196
CSX CORP COM 126408103 302 7,920 SH DEFINED 7,920
CSX CORP COM 126408103 77 2,020 SH OTHER 1,620 400
CVS CORPORATION (DEL) COM 126650100 5,648 164,530 SH DEFINED 163,730 800
CVS CORPORATION (DEL) COM 126650100 230 6,714 SH OTHER 4,112 2,602
CABOT MICROELECTRONICS CORP COM 12709P103 677 10,000 SH DEFINED 10,000
CADENCE DESIGN SYS INC COM 127387108 2,487 110,000 SH DEFINED 110,000
CAMPBELL SOUP CO COM 134429109 236 8,800 SH DEFINED 8,200 600
CAMPBELL SOUP CO COM 134429109 16 600 SH OTHER 600
CARLISLE COS INC COM 142339100 254 5,800 SH DEFINED 1,000 4,800
CATELLUS DEV CORP COM 149111106 1,262 64,134 SH DEFINED 6,802 57,332
CATERPILLAR INC COM 149123101 463 8,142 SH DEFINED 7,542 600
CATERPILLAR INC COM 149123101 595 10,468 SH OTHER 4,068 6,400
CENDANT CORP COM 151313103 194 10,100 SH DEFINED 10,100
CENTURYTEL INC COM 156700106 11,723 344,801 SH DEFINED 16,572 328,229
CENTURYTEL INC COM 156700106 27 800 SH OTHER 800
CHEVRONTEXACO CORP COM 166764100 24,612 272,649 SH DEFINED 263,289 2,120 7,240
CHEVRONTEXACO CORP COM 166764100 3,888 43,069 SH OTHER 30,681 6,093 6,295
CIENA CORP COM 171779101 887 98,530 SH DEFINED 94,730 3,800
CIENA CORP COM 171779101 12 1,315 SH OTHER 1,315
CINERGY CORP COM 172474108 109 3,037 SH DEFINED 337 2,700
CINERGY CORP COM 172474108 429 12,000 SH OTHER 5,000 7,000
CISCO SYS INC COM 17275R102 22,397 1,322,909 SH DEFINED 1,267,258 2,000 53,651
CISCO SYS INC COM 17275R102 1,166 68,870 SH OTHER 36,390 3,290 29,190
CIRRUS LOGIC INC COM 172755100 2,264 120,000 SH DEFINED 120,000
CITIGROUP INC COM 172967101 26,413 533,389 SH DEFINED 496,187 850 36,352
CITIGROUP INC COM 172967101 6,156 124,318 SH OTHER 98,031 5,536 20,751
CLOROX CO COM 189054109 2,757 63,200 SH DEFINED 47,193 1,027 14,980
CLOROX CO COM 189054109 409 9,371 SH OTHER 5,511 2,236 1,624
COACH INC COM 189754104 222 4,371 SH DEFINED 4,371
COACH INC COM 189754104 12 238 SH OTHER 238
COCA COLA CO COM 191216100 44,097 843,800 SH DEFINED 661,318 182,482
COCA COLA CO COM 191216100 43,183 826,314 SH OTHER 775,709 12,440 38,165
COCA COLA ENTERPRISES INC COM 191219104 2 125 SH DEFINED 125
COCA COLA ENTERPRISES INC COM 191219104 8,255 439,554 SH OTHER 439,554
COLGATE PALMOLIVE CO COM 194162103 6,672 116,743 SH DEFINED 111,275 500 4,968
COLGATE PALMOLIVE CO COM 194162103 15,815 276,728 SH OTHER 267,328 9,400
COLONIAL BANCGROUP INC COM 195493309 182 12,166 SH DEFINED 12,166
COLONIAL BANCGROUP INC COM 195493309 155 10,388 SH OTHER 6,388 4,000
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 53 1,550 SH DEFINED 1,400 150
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 411 11,925 SH OTHER 11,925
COMCAST CORP CL A SPL CL A SPL 200300200 5,125 161,163 SH DEFINED 158,258 535 2,370
COMCAST CORP CL A SPL CL A SPL 200300200 253 7,970 SH OTHER 4,830 3,140
COMERICA INC COM 200340107 7,017 112,150 SH DEFINED 111,750 400
COMPASS BANCSHARES, INC. COM 20449H109 2,756 89,267 SH DEFINED 85,123 4,144
COMPASS BANCSHARES, INC. COM 20449H109 3,256 105,486 SH OTHER 91,509 1,012 12,965
COMPAQ COMPUTER CORP COM 204493100 3,630 347,378 SH DEFINED 343,653 3,725
COMPAQ COMPUTER CORP COM 204493100 274 26,239 SH OTHER 25,739 500
CONAGRA FOODS INC COM COM 205887102 4,264 175,850 SH DEFINED 175,750 100
CONAGRA FOODS INC COM COM 205887102 262 10,812 SH OTHER 10,162 650
CONEXANT SYS INC COM 207142100 183 15,210 SH DEFINED 15,210
CONEXANT SYS INC COM 207142100 21 1,714 SH OTHER 266 1,448
CONOCO INC COM 208251504 5,486 188,018 SH DEFINED 187,368 650
CONOCO INC COM 208251504 210 7,212 SH OTHER 6,912 300
CONSOLIDATED EDISON INC COM 209115104 261 6,238 SH DEFINED 2,588 3,650
CONSOLIDATED EDISON INC COM 209115104 174 4,150 SH OTHER 4,150
COOPER CAMERON CORP COM 216640102 4,930 96,464 SH DEFINED 95,785 679
COOPER CAMERON CORP COM 216640102 22 425 SH OTHER 325 100
CORNING INC COM 219350105 640 84,039 SH DEFINED 81,340 2,699
CORNING INC COM 219350105 76 9,975 SH OTHER 8,275 1,700
COSTCO WHSL CORP COM 22160K105 1,252 31,450 SH DEFINED 30,650 800
COSTCO WHSL CORP COM 22160K105 319 8,000 SH OTHER 400 7,600
CYPRESS SEMICONDUCTOR CORP COM 232806109 1,610 70,000 SH DEFINED 70,000
DST SYS INC DEL COM 233326107 1,507 30,252 SH DEFINED 30,252
DTE ENERGY CO COM 233331107 215 4,730 SH DEFINED 4,650 80
DTE ENERGY CO COM 233331107 2 50 SH OTHER 50
DELL COMPUTER CORP COM 247025109 1,837 70,342 SH DEFINED 58,836 11,506
DELL COMPUTER CORP COM 247025109 630 24,115 SH OTHER 12,515 1,900 9,700
DELPHI AUTOMOTIVE SYS CORP COM 247126105 9,149 572,181 SH DEFINED 567,081 5,100
DELPHI AUTOMOTIVE SYS CORP COM 247126105 153 9,563 SH OTHER 7,116 1,247 1,200
DELTA AIR LINES INC COM 247361108 293 8,964 SH DEFINED 8,864 100
DELTA AIR LINES INC COM 247361108 88 2,688 SH OTHER 2,688
DELTIC TIMBER CORP COM 247850100 556 18,385 SH DEFINED 18,385
DIAL CORP NEW COM COM 25247D101 970 53,828 SH DEFINED 49,685 543 3,600
DIAL CORP NEW COM COM 25247D101 140 7,769 SH OTHER 5,784 1,735 250
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 1,378 44,085 SH DEFINED 44,085
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 3 100 SH OTHER 100
DIEBOLD INC COM 253651103 282 6,923 SH DEFINED 6,323 600
DILLARDS INC CL A 254067101 177 7,405 SH DEFINED 3,719 3,686
DILLARDS INC CL A 254067101 143 6,000 SH OTHER 6,000
WALT DISNEY COMPANY DISNEY 254687106 1,982 85,895 SH DEFINED 57,315 500 28,080
WALT DISNEY COMPANY DISNEY 254687106 1,599 69,289 SH OTHER 28,577 300 40,412
DOLLAR TREE STORES INC COM 256747106 3,281 100,000 SH DEFINED 100,000
DOMINION RES INC VA NEW COM 25746U109 4,597 70,542 SH DEFINED 70,422 120
DOMINION RES INC VA NEW COM 25746U109 78 1,200 SH OTHER 1,100 100
DOVER CORP COM 260003108 1,109 27,044 SH DEFINED 2,000 25,044
DOVER CORP COM 260003108 252 6,145 SH OTHER 3,041 3,104
DOW CHEM CO COM COM 260543103 515 15,743 SH DEFINED 15,743
DOW CHEM CO COM COM 260543103 363 11,086 SH OTHER 7,082 1,150 2,854
DREYFUS STRATEGIC MUNS INC COM 261932107 482 50,183 SH DEFINED 50,000 183
DREYFUS STRATEGIC MUNS INC COM 261932107 33 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 428 51,548 SH DEFINED 51,548
DU PONT E I DE NEMOURS & CO COM 263534109 12,798 271,430 SH DEFINED 264,815 6,615
DU PONT E I DE NEMOURS & CO COM 263534109 2,769 58,722 SH OTHER 43,966 1,606 13,150
DUFF & PHELPS UTILS INCOME,INC COM 264324104 521 46,229 SH DEFINED 45,625 604
DUFF & PHELPS UTILS INCOME,INC COM 264324104 146 12,980 SH OTHER 12,980
DUKE ENERGY CORP WHEN ISSUED 264399106 7,471 197,636 SH DEFINED 185,004 12,632
DUKE ENERGY CORP WHEN ISSUED 264399106 701 18,539 SH OTHER 16,124 800 1,615
DURECT CORP COM 266605104 364 46,768 SH OTHER 46,768
E M C CORP MASS COM 268648102 5,750 482,362 SH DEFINED 445,480 36,882
E M C CORP MASS COM 268648102 620 52,020 SH OTHER 38,188 332 13,500
E TRADE GROUP INC COM 269246104 4,983 528,950 SH DEFINED 528,350 600
E TRADE GROUP INC COM 269246104 7 750 SH OTHER 500 250
EASTMAN CHEM CO COM 277432100 2,885 59,141 SH DEFINED 59,141
EASTMAN CHEM CO COM 277432100 22 455 SH OTHER 268 187
EATON CORP COM 278058102 318 3,932 SH DEFINED 3,760 172
EATON VANCE MUNI INCOME FD SH BEN INT 27826U108 444 33,332 SH DEFINED 33,332
EL PASO CORP COM 28336L109 389 8,840 SH DEFINED 7,340 1,500
EL PASO CORP COM 28336L109 466 10,593 SH OTHER 7,437 3,156
ELECTRONIC ARTS COM 285512109 2,432 40,000 SH DEFINED 40,000
ELECTRONIC ARTS COM 285512109 243 4,000 SH OTHER 4,000
ELECTRONIC DATA SYS CORP NEW COM 285661104 4,673 80,589 SH DEFINED 79,899 40 650
ELECTRONIC DATA SYS CORP NEW COM 285661104 815 14,056 SH OTHER 3,156 800 10,100
EMERSON ELECTRIC CO COM 291011104 7,905 137,744 SH DEFINED 136,894 850
EMERSON ELECTRIC CO COM 291011104 506 8,810 SH OTHER 7,610 1,200
ENERGEN CORP COM 29265N108 177 6,700 SH DEFINED 5,700 1,000
ENERGEN CORP COM 29265N108 222 8,400 SH OTHER 5,600 2,800
ENERGYSOUTH INC COM 292970100 1,403 53,973 SH DEFINED 46,196 7,777
ENERGYSOUTH INC COM 292970100 52 2,000 SH OTHER 2,000
ENTERGY CORP COM 29364G103 621 14,309 SH DEFINED 12,567 1,742
ENTERGY CORP COM 29364G103 91 2,100 SH OTHER 100 1,000 1,000
EQUITABLE RES INC COM 294549100 1,539 44,225 SH DEFINED 42,425 1,800
EQUITY INCOME FUND UT 2 EX SR-ATT 294700703 381 3,533 SH DEFINED 2,600 933
EXELON CORP COM 30161N101 327 6,168 SH DEFINED 5,177 991
EXELON CORP COM 30161N101 114 2,159 SH OTHER 1,107 1,052
EXPRESS SCRIPTS INC COM 302182100 1,152 20,000 SH DEFINED 20,000
EXXON MOBIL CORP COM 30231G102 64,456 1,470,590 SH DEFINED 1,369,393 5,676 95,521
EXXON MOBIL CORP COM 30231G102 17,184 392,055 SH OTHER 332,546 31,090 28,419
FPL GROUP INC COM 302571104 3,794 63,709 SH DEFINED 62,251 1,458
FPL GROUP INC COM 302571104 83 1,400 SH OTHER 300 400 700
FAIRCHILD SEMICONDUCTOR INTL CL A 303726103 1,716 60,000 SH DEFINED 60,000
FAMILY DOLLAR STORES INC COM 307000109 5,363 160,050 SH DEFINED 158,650 1,400
FAMILY DOLLAR STORES INC COM 307000109 10 300 SH OTHER 300
FREDDIE MAC COM 313400301 1,531 24,167 SH DEFINED 21,971 2,196
FREDDIE MAC COM 313400301 146 2,300 SH OTHER 2,200 100
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 12,998 162,725 SH DEFINED 151,530 11,195
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 881 11,033 SH OTHER 8,426 2,607
FEDEX CORP COM 31428X106 2,201 37,883 SH DEFINED 4,621 33,262
FEDEX CORP COM 31428X106 54 929 SH OTHER 929
FIRST DATA CORP COM 319963104 1,986 22,765 SH DEFINED 22,065 700
FIRST DATA CORP COM 319963104 175 2,002 SH OTHER 1,902 100
FIRST HEALTH GROUP CORP COM 320960107 1,207 50,000 SH DEFINED 50,000
FIRST HEALTH GROUP CORP COM 320960107 10 400 SH OTHER 400
FIRST TENNESSEE NATIONAL CORP COM 337162101 2,454 70,000 SH DEFINED 70,000
FIRST TENNESSEE NATIONAL CORP COM 337162101 210 5,992 SH OTHER 5,992
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 1,267 23,619 SH OTHER 23,619
FIRSTENERGY CORP COM 337932107 238 6,891 SH DEFINED 6,691 200
FIRSTENERGY CORP COM 337932107 7 190 SH OTHER 190
FLEETBOSTON FINL CORP COM 339030108 7,533 215,223 SH DEFINED 214,553 670
FLEETBOSTON FINL CORP COM 339030108 84 2,402 SH OTHER 2,302 100
FLEMING COMPANIES INC COM 339130106 407 18,150 SH DEFINED 18,150
FLORIDA ROCK INDS INC COM 341140101 352 8,824 SH DEFINED 6,450 2,374
FLORIDA ROCK INDS INC COM 341140101 42 1,057 SH OTHER 1,057
FOOT LOCKER INC COM 344849104 207 12,800 SH DEFINED 12,800
FORD MTR CO DEL COM PAR $0.01 345370860 1,481 89,817 SH DEFINED 65,698 24,119
FORD MTR CO DEL COM PAR $0.01 345370860 567 34,399 SH OTHER 19,801 14,598
FOREST LABS INC COM 345838106 5,095 62,365 SH DEFINED 61,765 600
FOREST LABS INC COM 345838106 16 200 SH OTHER 200
FORTUNE BRANDS INC COM 349631101 809 16,395 SH DEFINED 14,520 1,875
FORTUNE BRANDS INC COM 349631101 89 1,800 SH OTHER 1,800
FRANKLIN RES INC COM 354613101 224 5,350 SH DEFINED 4,150 1,200
GALLAGHER ARTHUR J & CO COM 363576109 2,294 70,000 SH DEFINED 70,000
GALLAHER GROUP PLC SPONSORED ADR 363595109 511 16,572 SH DEFINED 16,572
GALLAHER GROUP PLC SPONSORED ADR 363595109 49 1,600 SH OTHER 1,600
GANNETT INC COM 364730101 1,111 14,601 SH DEFINED 10,601 600 3,400
GANNETT INC COM 364730101 946 12,434 SH OTHER 11,738 696
GAP INC COM 364760108 4,674 310,800 SH DEFINED 289,135 21,665
GAP INC COM 364760108 3 200 SH OTHER 200
GENENTECH INC COM NEW 368710406 272 5,400 SH OTHER 5,400
GENERAL DYNAMICS CORP COM 369550108 5,151 54,828 SH DEFINED 52,648 2,180
GENERAL DYNAMICS CORP COM 369550108 43 460 SH OTHER 100 160 200
GENERAL ELECTRIC CO COM 369604103 62,102 1,658,259 SH DEFINED 1,592,046 5,270 60,943
GENERAL ELECTRIC CO COM 369604103 22,442 599,246 SH OTHER 523,307 12,956 62,983
GENERAL MILLS INC COM 370334104 9,594 196,391 SH DEFINED 188,603 7,788
GENERAL MILLS INC COM 370334104 639 13,089 SH OTHER 10,799 1,050 1,240
GENERAL MOTORS CORP COM 370442105 6,072 100,453 SH DEFINED 77,537 150 22,766
GENERAL MOTORS CORP COM 370442105 873 14,437 SH OTHER 12,042 600 1,795
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 1,278 77,684 SH DEFINED 3,868 73,816
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 28 1,708 SH OTHER 1,708
GENUINE PARTS CO COM 372460105 1,369 37,230 SH DEFINED 32,730 4,500
GENUINE PARTS CO COM 372460105 759 20,645 SH OTHER 20,045 600
GEORGIA PAC CORP (GA PAC GR) COM 373298108 3,206 107,048 SH DEFINED 104,396 2,072 580
GEORGIA PAC CORP (GA PAC GR) COM 373298108 60 2,000 SH OTHER 2,000
GILEAD SCIENCES INC COM 375558103 4,319 120,000 SH DEFINED 120,000
GILLETTE CO COM 375766102 3,691 108,532 SH DEFINED 87,293 21,239
GILLETTE CO COM 375766102 2,166 63,695 SH OTHER 45,205 100 18,390
GLAXO SMITHKLINE SPONSORED ADR 37733W105 176 3,736 SH DEFINED 3,691 45
GLAXO SMITHKLINE SPONSORED ADR 37733W105 96 2,050 SH OTHER 2,050
GOLDEN ST BANCORP INC COM 381197102 6,933 233,500 SH DEFINED 233,500
GOODRICH CORP COM 382388106 8,430 266,420 SH DEFINED 263,820 2,600
GOODRICH CORP COM 382388106 37 1,155 SH OTHER 1,155
GRAY COMMUNICATIONS SYSTEM INC COM 389190109 1,577 98,440 SH DEFINED 98,440
HCB BANCSHARES INC COM 40413N106 3,040 204,855 SH DEFINED 204,855
HALLIBURTON CO COM 406216101 9 550 SH DEFINED 550
HALLIBURTON CO COM 406216101 166 9,725 SH OTHER 5,125 4,600
HARTFORD FINL SVCS GROUP INC COM 416515104 218 3,205 SH DEFINED 3,205
HARTFORD FINL SVCS GROUP INC COM 416515104 15 225 SH OTHER 225
HEALTHSOUTH CORP COM 421924101 72 5,025 SH DEFINED 5,025
HEALTHSOUTH CORP COM 421924101 103 7,150 SH OTHER 7,150
HEINZ H J CO COM 423074103 2,134 51,411 SH DEFINED 45,511 5,900
HEINZ H J CO COM 423074103 363 8,745 SH OTHER 7,845 900
HERSHEY FOODS CORP COM 427866108 670 9,778 SH DEFINED 9,678 100
HERSHEY FOODS CORP COM 427866108 708 10,332 SH OTHER 8,800 100 1,432
HEWLETT PACKARD CO COM 428236103 1,363 75,975 SH DEFINED 74,975 1,000
HEWLETT PACKARD CO COM 428236103 536 29,881 SH OTHER 25,092 4,789
HIBERNIA CORP CL A 428656102 496 25,976 SH DEFINED 25,976
HILTON HOTELS COM 432848109 1,659 115,993 SH DEFINED 15,777 100,216
HOME DEPOT INC COM 437076102 24,123 496,257 SH DEFINED 480,281 2,069 13,907
HOME DEPOT INC COM 437076102 2,046 42,082 SH OTHER 26,950 2,062 13,070
HONEYWELL INTERNATIONAL INC COM 438516106 768 20,056 SH DEFINED 18,671 1,385
HONEYWELL INTERNATIONAL INC COM 438516106 413 10,781 SH OTHER 1,875 8,906
HOST MARRIOTT CORP NEW (REIT) COM 44107P104 954 79,793 SH DEFINED 4,995 74,798
HOUSEHOLD INTERNATIONAL CORP COM 441815107 351 6,188 SH DEFINED 6,188
HOUSEHOLD INTERNATIONAL CORP COM 441815107 393 6,927 SH OTHER 6,927
HOUSTON EXPL CO COM 442120101 1,984 64,000 SH DEFINED 64,000
ICN PHARMACEUTICALS INC NEW COM 448924100 1,305 41,100 SH DEFINED 41,100
IDEC PHARMACEUTICALS CORP COM 449370105 3,858 60,000 SH DEFINED 60,000
INSURED MUNICIPAL INCOME FUND COM 45809F104 598 44,583 SH DEFINED 44,583
INSURED MUNICIPAL INCOME FUND COM 45809F104 12 865 SH OTHER 865
INTEGRATED DEVICE TECH INC COM 458118106 1,330 40,000 SH DEFINED 40,000
INTEL CORP COM 458140100 38,191 1,255,880 SH DEFINED 1,176,970 4,060 74,850
INTEL CORP COM 458140100 6,505 213,908 SH OTHER 169,689 10,110 34,109
INTERGRAPH CORP COM 458683109 533 30,250 SH DEFINED 30,250
INTERGRAPH CORP COM 458683109 62 3,500 SH OTHER 3,500
INTL BUSINESS MACHINES CORP COM 459200101 51,521 495,391 SH DEFINED 465,978 240 29,173
INTL BUSINESS MACHINES CORP COM 459200101 5,887 56,605 SH OTHER 44,426 1,960 10,219
INTL FLAVORS & FRAGRANCES INC COM 459506101 147 4,208 SH DEFINED 3,958 250
INTL FLAVORS & FRAGRANCES INC COM 459506101 123 3,522 SH OTHER 3,222 300
INTERNATIONAL GAME TECHNOLOGY COM 459902102 1,296 20,800 SH DEFINED 20,800
INTERNATIONAL PAPER CO COM 460146103 9,203 213,984 SH DEFINED 211,401 300 2,283
INTERNATIONAL PAPER CO COM 460146103 1,859 43,232 SH OTHER 42,098 1,134
INTERPUBLIC GROUP COS INC COM 460690100 85 2,494 SH DEFINED 2,494
INTERPUBLIC GROUP COS INC COM 460690100 166 4,842 SH OTHER 4,312 530
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 1,899 36,000 SH DEFINED 36,000
IVAX CORP COM 465823102 1,936 120,616 SH DEFINED 120,616
JDS UNIPHASE CORP COM 46612J101 647 109,862 SH DEFINED 102,879 6,983
JDS UNIPHASE CORP COM 46612J101 47 8,015 SH OTHER 3,375 365 4,275
JP MORGAN CHASE & CO COM 46625H100 5,094 142,886 SH DEFINED 138,171 4,715
JP MORGAN CHASE & CO COM 46625H100 1,211 33,980 SH OTHER 22,505 5,735 5,740
JEFFERSON PILOT CORP COM 475070108 14,431 288,158 SH DEFINED 259,250 1,005 27,903
JEFFERSON PILOT CORP COM 475070108 4,784 95,532 SH OTHER 55,095 4,175 36,262
JOHNSON & JOHNSON COM 478160104 54,931 845,750 SH DEFINED 792,048 2,500 51,202
JOHNSON & JOHNSON COM 478160104 5,969 91,898 SH OTHER 63,044 6,024 22,830
JONES APPAREL GROUP INC COM 480074103 1,748 50,000 SH DEFINED 50,000
KLA - TENCOR CORPORATION COM 482480100 8,825 132,700 SH DEFINED 132,500 200
KELLOGG CO COM 487836108 148 4,400 SH DEFINED 3,200 1,200
KELLOGG CO COM 487836108 376 11,200 SH OTHER 10,400 800
KEYCORP NEW COM 493267108 9,319 349,682 SH DEFINED 347,412 2,270
KEYCORP NEW COM 493267108 19 700 SH OTHER 400 300
KIMBERLY CLARK CORP COM 494368103 24,900 385,159 SH DEFINED 361,753 489 22,917
KIMBERLY CLARK CORP COM 494368103 4,222 65,311 SH OTHER 55,908 5,670 3,733
KNIGHT RIDDER INC COM 499040103 2,205 32,097 SH DEFINED 3,533 28,564
KRAFT FOODS INC CL A 50075N104 747 19,315 SH DEFINED 17,820 1,495
KRAFT FOODS INC CL A 50075N104 19 495 SH OTHER 495
L-3 COMMUNICATIONS HLDGS INC COM 502424104 2,688 24,000 SH DEFINED 24,000
L-3 COMMUNICATIONS HLDGS INC COM 502424104 34 300 SH OTHER 300
LAM RESEARCH CORP COM 512807108 7,330 250,000 SH DEFINED 250,000
LATTICE SEMICONDUCTOR CORP COM 518415104 1,052 60,000 SH DEFINED 60,000
LEGG MASON INC COM 524901105 3,185 60,000 SH DEFINED 60,000
LEHMAN BROS HLDGS INC COM 524908100 141 2,178 SH DEFINED 2,138 40
LEHMAN BROS HLDGS INC COM 524908100 100 1,554 SH OTHER 1,240 314
LILLY ELI & CO COM 532457108 2,812 36,905 SH DEFINED 36,265 640
LILLY ELI & CO COM 532457108 2,643 34,688 SH OTHER 29,388 5,300
LIMITED INC COM 532716107 5,992 334,776 SH DEFINED 332,776 2,000
LIMITED INC COM 532716107 66 3,708 SH OTHER 3,708
LINCARE HLDGS INC COM 532791100 1,627 60,000 SH DEFINED 60,000
LINCOLN NATIONAL CORP IND COM 534187109 8,108 159,825 SH DEFINED 157,625 2,200
LINCOLN NATIONAL CORP IND COM 534187109 102 2,019 SH OTHER 1,819 200
LIZ CLAIBORNE INC COM 539320101 4,030 142,088 SH DEFINED 142,088
LIZ CLAIBORNE INC COM 539320101 45 1,600 SH OTHER 1,400 200
LOCKHEED MARTIN CORP COM 539830109 121 2,099 SH DEFINED 1,839 260
LOCKHEED MARTIN CORP COM 539830109 204 3,537 SH OTHER 3,256 281
LOEWS CORP COM 540424108 8 130 SH DEFINED 130
LOEWS CORP COM 540424108 1,054 18,000 SH OTHER 18,000
LONE STAR TECHNOLOGIES INC COM 542312103 3,650 160,000 SH DEFINED 160,000
LOUISIANA PACIFIC CORP COM 546347105 1,018 94,747 SH DEFINED 94,469 278
LOWES COS INC COM 548661107 15,677 360,485 SH DEFINED 355,307 5,178
LOWES COS INC COM 548661107 264 6,060 SH OTHER 5,350 310 400
LUCENT TECHNOLOGIES INC COM 549463107 86 18,115 SH DEFINED 16,435 1,680
LUCENT TECHNOLOGIES INC COM 549463107 127 26,883 SH OTHER 12,817 776 13,290
LUFKIN INDUSTRIES INCORPORATED COM 549764108 770 28,524 SH DEFINED 40 28,484
LUFKIN INDUSTRIES INCORPORATED COM 549764108 993 36,765 SH OTHER 36,765
MBNA CORP COM 55262L100 386 10,000 SH DEFINED 10,000
MBNA CORP COM 55262L100 245 6,354 SH OTHER 6,354
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 59 9,565 SH DEFINED 9,565
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 4 600 SH OTHER 600
MANULIFE FINL CORP COM 56501R106 228 8,299 SH DEFINED 8,299
MARATHON OIL CORP COM 565849106 1,768 61,400 SH DEFINED 58,623 2,777
MARATHON OIL CORP COM 565849106 97 3,383 SH OTHER 1,650 525 1,208
MARSH & MCLENNAN COS INC COM 571748102 3,906 34,645 SH DEFINED 33,623 1,022
MARSH & MCLENNAN COS INC COM 571748102 774 6,861 SH OTHER 1,193 150 5,518
MARRIOTT INTL INC NEW CL A 571903202 7,269 161,716 SH DEFINED 131,716 30,000
MARRIOTT INTL INC NEW CL A 571903202 342 7,600 SH OTHER 300 7,300
MASCO CORP COM 574599106 241 8,774 SH DEFINED 8,774
MASCO CORP COM 574599106 486 17,700 SH OTHER 2,600 15,100
MAY DEPT STORES CO COM 577778103 94 2,700 SH DEFINED 2,700
MAY DEPT STORES CO COM 577778103 175 5,022 SH OTHER 5,022
MAYTAG CORP COM 578592107 28,537 644,894 SH DEFINED 644,894
MAYTAG CORP COM 578592107 104 2,350 SH OTHER 2,000 350
MCCORMICK & CO INC COM STOCK COM NON VTG 579780206 918 17,964 SH DEFINED 17,964
MCCORMICK & CO INC COM STOCK COM NON VTG 579780206 45 888 SH OTHER 888
MCDONALDS CORP COM 580135101 1,778 64,081 SH DEFINED 60,781 3,300
MCDONALDS CORP COM 580135101 1,522 54,850 SH OTHER 49,850 5,000
MCGRAW-HILL COMPANIES INC NEW COM 580645109 1,216 17,814 SH DEFINED 17,414 400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 96 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
MEADWESTVACO CORP COM 583334107 901 27,172 SH DEFINED 23,546 3,626
MEADWESTVACO CORP COM 583334107 2,725 82,196 SH OTHER 30,044 52,152
MEDIMMUNE INC COM 584699102 3,146 80,000 SH DEFINED 80,000
MEDTRONIC INC COM 585055106 6,191 136,940 SH DEFINED 136,321 619
MEDTRONIC INC COM 585055106 669 14,800 SH OTHER 2,800 12,000
MELLON FINL CORP COM 58551A108 3,310 85,780 SH DEFINED 85,680 100
MELLON FINL CORP COM 58551A108 46 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 16,132 280,161 SH DEFINED 257,126 1,730 21,305
MERCK & CO INC COM 589331107 9,141 158,762 SH OTHER 121,761 2,534 34,467
MERIDIAN GOLD INC COM 589975101 1,161 80,000 SH DEFINED 80,000
MERRILL LYNCH & CO INC COM 590188108 6,301 113,784 SH DEFINED 113,784
MERRILL LYNCH & CO INC COM 590188108 3 50 SH OTHER 50
MICREL INC COM 594793101 757 30,000 SH DEFINED 30,000
MICROSOFT CORP COM 594918104 37,764 626,170 SH DEFINED 590,017 3,022 33,131
MICROSOFT CORP COM 594918104 3,753 62,222 SH OTHER 44,725 1,964 15,533
MICROCHIP TECHNOLOGY INC COM 595017104 3,346 80,000 SH DEFINED 80,000
MICRON TECHNOLOGY INC COM 595112103 515 15,660 SH DEFINED 13,375 235 2,050
MICRON TECHNOLOGY INC COM 595112103 143 4,350 SH OTHER 3,500 250 600
MILLENNIUM PHARMACTCLS INC COM 599902103 3,572 160,100 SH DEFINED 160,000 100
MINNESOTA MINING & MFG CO COM 604059105 2,211 19,221 SH DEFINED 18,737 484
MINNESOTA MINING & MFG CO COM 604059105 2,134 18,555 SH OTHER 14,221 150 4,184
MIRANT CORP COM 604675108 895 61,972 SH DEFINED 59,022 119 2,831
MIRANT CORP COM 604675108 427 29,566 SH OTHER 23,446 834 5,286
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 11,597 202,349 SH DEFINED 199,022 3,327
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 554 9,668 SH OTHER 9,668
MOTOROLA INC COM 620076109 2,411 169,814 SH DEFINED 165,246 4,568
MOTOROLA INC COM 620076109 476 33,500 SH OTHER 27,700 5,800
MUNIHOLDINGS FD II INC COM 625935101 134 10,900 SH DEFINED 10,900
MUNIHOLDINGS INSD FD II INC COM 62625A102 122 10,000 SH DEFINED 10,000
MUNIHOLDINGS INSD FD II INC COM 62625A102 9 700 SH OTHER 700
MURPHY OIL CORP COM 626717102 1,885 19,639 SH DEFINED 19,149 490
MYLAN LABORATORIES INC COM 628530107 3,241 110,000 SH DEFINED 110,000
NABORS INDS INC COM 629568106 8,053 190,600 SH DEFINED 190,600
NABORS INDS INC COM 629568106 10 240 SH OTHER 240
NASDAQ 100 TR UNIT SER 1 631100104 6,894 191,175 SH DEFINED 190,675 500
NASDAQ 100 TR UNIT SER 1 631100104 149 4,136 SH OTHER 1,816 2,320
NATIONAL CITY CORP COM 635405103 231 7,516 SH DEFINED 7,346 170
NATIONAL CITY CORP COM 635405103 62 2,000 SH OTHER 2,000
NATIONAL COMM FINL CORP COM 63545P104 3,336 120,000 SH DEFINED 120,000
NATIONAL COMM FINL CORP COM 63545P104 81 2,898 SH OTHER 2,730 168
NATIONAL-OILWELL INC COM 637071101 1,216 48,000 SH DEFINED 48,000
NETWORK APPLIANCE INC DELEWARE COM 64120L104 221 10,825 SH DEFINED 10,625 200
NEWMONT MINING CORP (NEW) COM 651639106 8,272 298,741 SH DEFINED 298,541 200
NEWMONT MINING CORP (NEW) COM 651639106 27 988 SH OTHER 988
99 CENTS ONLY STORES COM 65440K106 1,150 30,000 SH DEFINED 30,000
NOKIA CORP SPONSORED ADR 654902204 1,520 73,299 SH DEFINED 56,179 17,120
NOKIA CORP SPONSORED ADR 654902204 577 27,800 SH OTHER 7,750 440 19,610
NOBLE DRILLING CORP COM 655042109 1,821 44,000 SH DEFINED 44,000
NORFOLK SOUTHERN CORPORATION COM 655844108 402 16,791 SH DEFINED 15,633 1,158
NORFOLK SOUTHERN CORPORATION COM 655844108 431 18,009 SH OTHER 14,409 3,600
NORTH FORK BANCORP INC N Y COM 659424105 4,267 120,000 SH DEFINED 120,000
NORTHROP GRUMMAN CORP COM 666807102 5,804 51,343 SH DEFINED 51,343
NORTHROP GRUMMAN CORP COM 666807102 35 311 SH OTHER 49 262
NOVELLUS SYS INC COM 670008101 8,773 162,050 SH DEFINED 161,450 600
NUCOR CORP COM 670346105 964 15,000 SH DEFINED 14,200 800
NUCOR CORP COM 670346105 103 1,600 SH OTHER 1,600
NUVEEN DIVIDEND ADV MUNI 3 COM SH BEN INT 67070X101 267 20,000 SH DEFINED 20,000
OGE ENERGY CORP COM 670837103 177 7,400 SH DEFINED 7,400
OGE ENERGY CORP COM 670837103 47 1,950 SH OTHER 1,800 150
NUVEEN MUN VALUE FD INC COM 670928100 156 16,918 SH DEFINED 15,608 1,310
NUVEEN MUN VALUE FD INC COM 670928100 12 1,333 SH OTHER 1,333
NUVEEN TEX QUAL INCM MUN FD COM 670983105 352 24,200 SH DEFINED 24,200
OCCIDENTAL PETE CORP COM 674599105 606 20,796 SH DEFINED 20,546 250
OCCIDENTAL PETE CORP COM 674599105 6 200 SH OTHER 200
OLD REPUBLIC INTL CORP COM 680223104 62 1,925 SH DEFINED 1,925
OLD REPUBLIC INTL CORP COM 680223104 10,421 325,960 SH OTHER 77,686 248,274
OMNICOM GROUP COM 681919106 113 1,200 SH DEFINED 1,200
OMNICOM GROUP COM 681919106 565 5,982 SH OTHER 5,982
ONEOK INC NEW COM 682680103 388 18,606 SH DEFINED 18,606
ORACLE CORPORATION COM 68389X105 9,675 755,882 SH DEFINED 728,718 10,591 16,573
ORACLE CORPORATION COM 68389X105 526 41,123 SH OTHER 30,867 9,796 460
OUTBACK STEAKHOUSE INC COM 689899102 1,955 54,650 SH DEFINED 54,650
PPG INDUSTRIES INC COM 693506107 7 126 SH DEFINED 126
PPG INDUSTRIES INC COM 693506107 340 6,200 SH OTHER 5,800 400
PARKER HANNIFIN CORP COM 701094104 216 4,325 SH DEFINED 4,325
PEOPLES BANCTRUST INC COM 709796106 4,922 405,100 SH DEFINED 405,100
PEOPLES BANCTRUST INC COM 709796106 60 4,928 SH OTHER 4,928
PEPSICO INC COM 713448108 25,046 486,330 SH DEFINED 473,197 450 12,683
PEPSICO INC COM 713448108 2,440 47,372 SH OTHER 26,867 5,444 15,061
PFIZER INC COM 717081103 30,744 773,628 SH DEFINED 723,149 700 49,779
PFIZER INC COM 717081103 6,034 151,832 SH OTHER 94,546 5,476 51,810
PHARMACIA CORP COM 71713U102 5,741 127,352 SH DEFINED 119,133 290 7,929
PHARMACIA CORP COM 71713U102 1,912 42,411 SH OTHER 27,691 2,770 11,950
PHELPS DODGE CORP COM 717265102 4,082 96,955 SH DEFINED 96,955
PHILIP MORRIS COS INC COM 718154107 29,201 554,409 SH DEFINED 548,571 900 4,938
PHILIP MORRIS COS INC COM 718154107 3,441 65,324 SH OTHER 57,122 6,500 1,702
PHILLIPS PETE CO COM 718507106 12,140 193,307 SH DEFINED 192,277 1,030
PHILLIPS PETE CO COM 718507106 94 1,493 SH OTHER 1,493
PIONEER NATURAL RESOURCES CO COM 723787107 1,148 51,500 SH DEFINED 5,000 46,500
PITNEY BOWES INC COM 724479100 1,479 34,550 SH DEFINED 33,454 1,096
PITNEY BOWES INC COM 724479100 475 11,100 SH OTHER 11,100
PLUM CREEK TIMBER CO INC COM 729251108 3,609 121,466 SH DEFINED 85,466 36,000
PLUM CREEK TIMBER CO INC COM 729251108 137 4,625 SH OTHER 3,575 1,050
PROASSURANCE CORP COM 74267C106 295 16,329 SH DEFINED 13,238 3,091
PROASSURANCE CORP COM 74267C106 29 1,633 SH OTHER 1,633
PROCTER & GAMBLE CO COM 742718109 26,424 293,304 SH DEFINED 273,693 830 18,781
PROCTER & GAMBLE CO COM 742718109 7,710 85,586 SH OTHER 55,796 3,520 26,270
PROGRESS ENERGY INC COM 743263105 845 16,879 SH DEFINED 15,354 1,525
PROGRESS ENERGY INC COM 743263105 171 3,422 SH OTHER 1,327 95 2,000
PROTECTIVE LIFE CORP COM 743674103 1,552 49,784 SH DEFINED 49,784
PROTECTIVE LIFE CORP COM 743674103 3,316 106,360 SH OTHER 105,004 700 656
PROVIDIAN FINL CORP COM 74406A102 2 222 SH DEFINED 222
PROVIDIAN FINL CORP COM 74406A102 224 29,680 SH OTHER 15,880 13,800
PUTNAM INVT GRADE MUN TR COM 746805100 323 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 2,622 333,603 SH DEFINED 331,154 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 1,527 40,576 SH DEFINED 32,276 8,300
QUALCOMM INC COM 747525103 868 23,050 SH OTHER 4,900 1,600 16,550
QUEST DIAGNOSTICS INC COM 74834L100 3,314 40,000 SH DEFINED 40,000
QUESTAR CORP COM 748356102 320 12,434 SH DEFINED 12,334 100
QUESTAR CORP COM 748356102 26 1,000 SH OTHER 1,000
QWEST COMM INTL INC COM 749121109 98 11,932 SH DEFINED 10,000 1,932
QWEST COMM INTL INC COM 749121109 18 2,131 SH OTHER 2,131
RF MICRO DEVICES INC COM 749941100 1,790 100,000 SH DEFINED 100,000
RADIOSHACK CORP COM 750438103 20 659 SH DEFINED 559 100
RADIOSHACK CORP COM 750438103 204 6,800 SH OTHER 6,800
RATIONAL SOFTWARE CORP COM NEW 75409P202 633 40,000 SH DEFINED 40,000
RAYTHEON CO (NEW) COM NEW 755111507 9,268 225,777 SH DEFINED 223,247 2,530
RAYTHEON CO (NEW) COM NEW 755111507 148 3,604 SH OTHER 2,119 300 1,185
REGIONS FINANCIAL CORP COM 758940100 108,824 3,168,092 SH DEFINED 2,483,715 9,995 674,382
REGIONS FINANCIAL CORP COM 758940100 58,649 1,707,385 SH OTHER 1,494,474 44,791 168,120
RELIANT ENERGY INC COM 75952J108 531 20,586 SH DEFINED 19,620 966
RELIANT ENERGY INC COM 75952J108 164 6,373 SH OTHER 847 4,028 1,498
ROCKWELL INTL CORP NEW COM 773903109 305 15,210 SH DEFINED 15,210
ROCKWELL INTL CORP NEW COM 773903109 34 1,713 SH OTHER 266 1,447
ROCKWELL COLLINS INC COM 774341101 394 15,610 SH DEFINED 15,610
ROCKWELL COLLINS INC COM 774341101 43 1,713 SH OTHER 266 1,447
ROSS STORES INC COM 778296103 3,026 80,000 SH DEFINED 80,000
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 2,294 42,223 SH DEFINED 41,823 300 100
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 700 12,884 SH OTHER 9,884 2,000 1,000
RUBY TUESDAY INC COM 781182100 6,007 258,362 SH DEFINED 211,222 824 46,316
RUBY TUESDAY INC COM 781182100 1,984 85,328 SH OTHER 71,528 13,800
RUSSELL CORP COM 782352108 49 3,315 SH DEFINED 3,315
RUSSELL CORP COM 782352108 153 10,246 SH OTHER 950 9,296
SBC COMMUNICATIONS INC NEW COM 78387G103 6,445 172,139 SH DEFINED 156,049 450 15,640
SBC COMMUNICATIONS INC NEW COM 78387G103 2,497 66,692 SH OTHER 40,259 6,809 19,624
SPDR TR UNIT SER 1 78462F103 2,254 19,680 SH DEFINED 16,250 3,430
SPDR TR UNIT SER 1 78462F103 323 2,820 SH OTHER 2,120 700
SPX CORP COM 784635104 1,416 10,000 SH DEFINED 10,000
SPX CORP COM 784635104 40 279 SH OTHER 279
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 294 12,010 SH DEFINED 12,010
SAFEWAY INC COM NEW 786514208 342 7,594 SH DEFINED 7,594
SAFEWAY INC COM NEW 786514208 10 225 SH OTHER 225
ST PAUL COS INC COM 792860108 373 8,140 SH DEFINED 8,140
ST PAUL COS INC COM 792860108 209 4,548 SH OTHER 4,548
SAKS INC COM 79377W108 408 30,999 SH DEFINED 3,333 27,666
SAKS INC COM 79377W108 2 132 SH OTHER 132
SANMINA CORP COM 800907107 96 8,134 SH DEFINED 5,624 2,510
SANMINA CORP COM 800907107 96 8,196 SH OTHER 7,652 544
SARA LEE CORP COM 803111103 452 21,783 SH DEFINED 21,783
SARA LEE CORP COM 803111103 363 17,509 SH OTHER 12,339 5,170
SCANA CORP NEW COM 80589M102 856 27,985 SH DEFINED 26,485 1,500
SCANA CORP NEW COM 80589M102 199 6,497 SH OTHER 6,397 100
SCHERING-PLOUGH CORP COM 806605101 3,005 96,020 SH DEFINED 88,680 7,340
SCHERING-PLOUGH CORP COM 806605101 1,009 32,222 SH OTHER 18,055 8,782 5,385
SCHLUMBERGER LTD COM 806857108 5,686 96,671 SH DEFINED 83,106 13,565
SCHLUMBERGER LTD COM 806857108 1,361 23,141 SH OTHER 12,441 300 10,400
SCHWAB CHARLES CORP NEW COM 808513105 2,938 224,450 SH DEFINED 224,450
SCHWAB CHARLES CORP NEW COM 808513105 3 200 SH OTHER 200
SCUDDER MUN INCOME TR COM SH BEN INT 81118R604 451 42,185 SH DEFINED 41,000 1,185
SEARS ROEBUCK & CO COM 812387108 815 15,896 SH DEFINED 14,062 1,584 250
SEARS ROEBUCK & CO COM 812387108 283 5,524 SH OTHER 4,733 791
SEMTECH CORP COM 816850101 1,095 30,000 SH DEFINED 30,000
SEMPRA ENERGY COM 816851109 264 10,510 SH DEFINED 10,510
SEPRACOR INC COM 817315104 1,940 100,000 SH DEFINED 100,000
SERVICEMASTER CO COM 81760N109 1,683 122,375 SH DEFINED 13,375 109,000
SHELL TRANS & TRAD PLC SH NEW NEW YRK SH NEW 822703609 173 3,900 SH DEFINED 3,675 225
SHELL TRANS & TRAD PLC SH NEW NEW YRK SH NEW 822703609 213 4,800 SH OTHER 4,800
SIEBEL SYS INC COM 826170102 72 2,210 SH DEFINED 2,210
SIEBEL SYS INC COM 826170102 134 4,100 SH OTHER 4,100
SIMON PPTY GROUP INC NEW (REIT) COM 828806109 118 3,615 SH DEFINED 3,615
SIMON PPTY GROUP INC NEW (REIT) COM 828806109 112 3,425 SH OTHER 3,425
SMITH INTL INC COM 832110100 4,092 60,400 SH DEFINED 60,400
SOLECTRON CORP COM 834182107 3,610 462,850 SH DEFINED 461,350 1,500
SOLECTRON CORP COM 834182107 70 8,959 SH OTHER 8,184 775
SONOCO PRODUCTS CO COM 835495102 385 13,462 SH DEFINED 3,462 10,000
SONOCO PRODUCTS CO COM 835495102 204 7,122 SH OTHER 7,122
SOUTH ALABAMA BANCORP INC COM 836234104 220 22,305 SH DEFINED 19,305 3,000
SOUTHERN CO COM 842587107 7,094 267,783 SH DEFINED 250,547 300 16,936
SOUTHERN CO COM 842587107 2,751 103,836 SH OTHER 93,948 3,179 6,709
SOUTHSIDE BANCSHARES INC COM 84470P109 181 13,334 SH DEFINED 13,334
SOUTHTRUST CORP COM 844730101 5,737 217,291 SH DEFINED 191,457 870 24,964
SOUTHTRUST CORP COM 844730101 7,972 301,982 SH OTHER 252,536 49,446
SOUTHWEST AIRLINES CO COM 844741108 2,180 112,674 SH DEFINED 111,449 1,225
SOUTHWEST AIRLINES CO COM 844741108 129 6,687 SH OTHER 4,487 2,200
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 779 50,964 SH DEFINED 50,964
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 152 9,938 SH OTHER 9,802 136
SPRINT CORP PCS COM SER 1 852061506 270 26,268 SH DEFINED 26,268
SPRINT CORP PCS COM SER 1 852061506 37 3,582 SH OTHER 3,514 68
SUN MICROSYSTEMS INC COM 866810104 6,481 734,784 SH DEFINED 711,878 700 22,206
SUN MICROSYSTEMS INC COM 866810104 406 46,072 SH OTHER 25,567 6,190 14,315
SUNGARD DATA SYS INC COM 867363103 5,154 156,330 SH DEFINED 146,330 10,000
SUNGARD DATA SYS INC COM 867363103 23 700 SH OTHER 700
SUNTRUST BANKS INC COM 867914103 5,925 88,795 SH DEFINED 84,495 4,300
SUNTRUST BANKS INC COM 867914103 1,178 17,655 SH OTHER 15,746 1,909
SYNOPSYS INC COM 871607107 1,655 30,000 SH DEFINED 30,000
SYNOVUS FINANCIAL CORP COM 87161C105 1,224 40,168 SH DEFINED 14,757 450 24,961
SYNOVUS FINANCIAL CORP COM 87161C105 3,354 110,040 SH OTHER 106,120 505 3,415
SYSCO CORP COM 871829107 426 14,284 SH DEFINED 12,135 2,149
SYSCO CORP COM 871829107 144 4,844 SH OTHER 4,044 800
TCF FINL CORP COM 872275102 3,683 70,000 SH DEFINED 70,000
TECO ENERGY INC COM 872375100 558 19,490 SH DEFINED 19,490
TECO ENERGY INC COM 872375100 23 800 SH OTHER 800
TJX COMPANIES INC COM 872540109 288 7,200 SH DEFINED 7,000 200
TRW INC COM 872649108 79 1,540 SH DEFINED 1,540
TRW INC COM 872649108 226 4,398 SH OTHER 200 4,198
TXU CORP COM 873168108 10,868 199,376 SH DEFINED 197,146 2,230
TXU CORP COM 873168108 363 6,657 SH OTHER 3,851 2,350 456
TARGET CORP COM 87612E106 13,211 306,373 SH DEFINED 298,953 790 6,630
TARGET CORP COM 87612E106 807 18,723 SH OTHER 10,938 1,760 6,025
TELEFONICA S. A. SPONSORED ADR 879382208 410 12,393 SH DEFINED 12,393
TELEFONICA S. A. SPONSORED ADR 879382208 9 261 SH OTHER 261
TELEPHONE & DATA SYS INC COM 879433100 265 3,000 SH DEFINED 3,000
TELLABS INC COM 879664100 1,399 133,634 SH DEFINED 131,864 1,770
TELLABS INC COM 879664100 41 3,948 SH OTHER 2,250 743 955
TERADYNE INC COM 880770102 3,513 89,100 SH DEFINED 89,100
TERADYNE INC COM 880770102 28 714 SH OTHER 714
TEXAS INSTRUMENTS INC COM 882508104 16,941 511,825 SH DEFINED 493,768 18,057
TEXAS INSTRUMENTS INC COM 882508104 1,208 36,486 SH OTHER 28,271 1,085 7,130
TEXTRON INC COM 883203101 393 7,700 SH OTHER 7,700
TIMBERLAND CO CL A 887100105 1,014 24,000 SH DEFINED 24,000
TORCHMARK CORP COM 891027104 17,199 426,882 SH DEFINED 403,485 800 22,597
TORCHMARK CORP COM 891027104 10,421 258,650 SH OTHER 252,572 594 5,484
TRICON GLOBAL RESTAURANTS COM 895953107 1,955 33,260 SH DEFINED 4,183 29,077
TRICON GLOBAL RESTAURANTS COM 895953107 21 350 SH OTHER 350
TRIZEC HAHN CORPORATION SUB VTG 896938107 1,083 68,400 SH DEFINED 7,000 61,400
TYCO INTL LTD NEW COM 902124106 598 18,509 SH DEFINED 8,109 10,400
TYCO INTL LTD NEW COM 902124106 74 2,281 SH OTHER 1,100 1,181
UST INC COM 902911106 22,126 568,360 SH DEFINED 566,000 2,360
UST INC COM 902911106 120 3,075 SH OTHER 2,400 675
US BANCORP DEL COM NEW COM NEW 902973304 4,732 209,656 SH DEFINED 209,656
US BANCORP DEL COM NEW COM NEW 902973304 490 21,711 SH OTHER 21,077 634
UNION PACIFIC CORP COM 907818108 3,185 51,249 SH DEFINED 51,249
UNION PACIFIC CORP COM 907818108 278 4,481 SH OTHER 3,475 1,006
UNION PLANTERS CORP COM 908068109 2,361 49,830 SH DEFINED 49,440 390
UNION PLANTERS CORP COM 908068109 7,788 164,342 SH OTHER 34,500 129,842
UNITED PARCEL SVC INC CL B 911312106 21 350 SH DEFINED 250 100
UNITED PARCEL SVC INC CL B 911312106 340 5,600 SH OTHER 5,600
UNITED SEC BANCSHARES INC SHS 911459105 4,387 154,417 SH DEFINED 101,944 500 51,973
UNITED SEC BANCSHARES INC SHS 911459105 14 500 SH OTHER 500
UNITED TECHNOLOGIES CORP COM 913017109 1,187 15,996 SH DEFINED 15,936 60
UNITED TECHNOLOGIES CORP COM 913017109 570 7,684 SH OTHER 7,564 120
UNITEDHEALTH GROUP INC COM 91324P102 6,152 80,508 SH DEFINED 80,508
UNITEDHEALTH GROUP INC COM 91324P102 15 200 SH OTHER 200
UNOCAL CORP COM 915289102 4,814 123,598 SH DEFINED 123,598
UNOCAL CORP COM 915289102 39 1,000 SH OTHER 1,000
USINTERNETWORKING INC COM 917311805 19,686 SH OTHER 19,686
V F CORP COM 918204108 2,947 68,148 SH DEFINED 51,470 150 16,528
VERIZON COMMUNICATIONS COM 92343V104 13,533 293,562 SH DEFINED 256,485 880 36,197
VERIZON COMMUNICATIONS COM 92343V104 3,324 72,109 SH OTHER 47,990 10,875 13,244
VERTEX PHARMACEUTICALS INC COM 92532F100 1,393 50,000 SH DEFINED 50,000
VIACOM INC CL B 925524308 777 16,062 SH DEFINED 10,950 4,678 434
VIACOM INC CL B 925524308 44 911 SH OTHER 911
VITESSE SEMICONDUCTOR CORP COM 928497106 1,201 122,500 SH DEFINED 122,500
VITESSE SEMICONDUCTOR CORP COM 928497106 14 1,400 SH OTHER 1,400
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 85 2,200 SH DEFINED 2,200
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 148 3,840 SH OTHER 3,840
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 1,078 58,475 SH DEFINED 52,176 6,299
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 328 17,824 SH OTHER 4,130 3,930 9,764
VULCAN MATERIALS CO COM 929160109 13,147 276,546 SH DEFINED 274,998 1,548
VULCAN MATERIALS CO COM 929160109 6,235 131,147 SH OTHER 66,310 600 64,237
WACHOVIA CORP COM 929903102 9,568 258,047 SH DEFINED 254,037 610 3,400
WACHOVIA CORP COM 929903102 1,058 28,539 SH OTHER 16,657 3,520 8,362
WADDELL & REED FINL INC CL A CL A 930059100 511 16,760 SH DEFINED 16,760
WADDELL & REED FINL INC CL A CL A 930059100 3,078 100,995 SH OTHER 98,772 266 1,957
WAL MART STORES INC COM 931142103 47,800 779,767 SH DEFINED 750,841 271 28,655
WAL MART STORES INC COM 931142103 6,328 103,223 SH OTHER 81,172 5,329 16,722
WALGREEN CO COM 931422109 3,239 82,642 SH DEFINED 71,442 11,200
WALGREEN CO COM 931422109 51 1,300 SH OTHER 1,100 200
WASHINGTON MUTUAL INC COM 939322103 451 13,627 SH DEFINED 12,487 1,140
WASHINGTON MUTUAL INC COM 939322103 126 3,789 SH OTHER 3,789
WASTE MANAGEMENT COM COM 94106L109 1,608 59,003 SH DEFINED 6,663 52,340
WEATHERFORD INTL INC NEW COM 947074100 2,858 60,000 SH DEFINED 60,000
WELLS FARGO & CO NEW COM 949746101 12,361 250,226 SH DEFINED 247,381 2,845
WELLS FARGO & CO NEW COM 949746101 732 14,817 SH OTHER 13,421 1,296 100
WESTAMERICA BANCORPORATION COM 957090103 2,993 70,000 SH DEFINED 70,000
WEYERHAEUSER CO COM 962166104 382 6,081 SH DEFINED 5,715 116 250
WEYERHAEUSER CO COM 962166104 151 2,404 SH OTHER 1,704 700
WILLIAMS COMMUNICATIONS GRP CL A 969455104 2 11,517 SH DEFINED 1,189 10,328
WILLIAMS COMMUNICATIONS GRP CL A 969455104 615 SH OTHER 615
WILMINGTON TR CORP COM 971807102 2,692 40,000 SH DEFINED 40,000
WINN DIXIE STORES INC COM 974280109 19 1,165 SH DEFINED 1,165
WINN DIXIE STORES INC COM 974280109 731 45,562 SH OTHER 45,332 230
WISCONSIN ENERGY CORP COM 976657106 442 17,780 SH DEFINED 16,780 1,000
WISCONSIN ENERGY CORP COM 976657106 30 1,186 SH OTHER 1,186
WORLDCOM INC/WORLDCOM GROUP WRLDCOM GP COM 98157D106 587 87,068 SH DEFINED 53,299 850 32,919
WORLDCOM INC/WORLDCOM GROUP WRLDCOM GP COM 98157D106 296 43,967 SH OTHER 28,343 15,624
WRIGLEY WM JR CO COM 982526105 2,812 52,742 SH DEFINED 52,742
WRIGLEY WM JR CO COM 982526105 650 12,200 SH OTHER 12,200
WYETH COM 983024100 40,671 619,520 SH DEFINED 588,949 1,420 29,151
WYETH COM 983024100 6,986 106,416 SH OTHER 95,389 3,510 7,517
XTO ENERGY INC COM 98385X106 300 14,944 SH DEFINED 14,944
XCEL ENERGY INC COM 98389B100 196 7,750 SH DEFINED 7,680 70
XCEL ENERGY INC COM 98389B100 18 702 SH OTHER 470 232
XILINX INC COM 983919101 3,244 81,374 SH DEFINED 81,074 300
ZIMMER HLDGS INC COM 98956P102 314 9,231 SH DEFINED 8,981 250
ZIMMER HLDGS INC COM 98956P102 172 5,043 SH OTHER 4,297 746