UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: June 30, 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 August 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: 760
Form 13F Information Table Value Total: $2,118,752(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
XCELERA INC COM G31611109 15 18,036 SH DEFINED 18,036
GLOBALSANTAFE CORPORATION SHS G3930E101 458 16,763 SH DEFINED 16,113 650
GLOBALSANTAFE CORPORATION SHS G3930E101 101 3,700 SH OTHER 3,700
INGERSOLL-RAND COMPANY LTD CL A G4776G101 2,377 52,050 SH DEFINED 51,750 300
INGERSOLL-RAND COMPANY LTD CL A G4776G101 28 609 SH OTHER 609
NOBLE CORPORATION SHS G65422100 1,698 44,000 SH DEFINED 44,000
HILFIGER TOMMY CORP ORD G8915Z102 4,010 280,000 SH DEFINED 280,000
TRANSOCEAN SEDCO FOREX INC ORD G90078109 255 8,183 SH DEFINED 7,822 361
TRANSOCEAN SEDCO FOREX INC ORD G90078109 281 9,033 SH OTHER 637 96 8,300
ACM GOVT INCOME FD INC COM 000912105 129 16,137 SH DEFINED 405 15,732
ACM GOVT INCOME FD INC COM 000912105 25 3,074 SH OTHER 2,975 99
AFLAC INC COM 001055102 6,620 206,868 SH DEFINED 201,740 5,128
AFLAC INC COM 001055102 444 13,890 SH OTHER 6,400 3,050 4,440
AGL RES INC COM 001204106 87 3,748 SH DEFINED 3,748
AGL RES INC COM 001204106 340 14,672 SH OTHER 11,700 2,972
AOL TIME WARNER INC COM 00184A105 1,000 67,957 SH DEFINED 39,840 28,117
AOL TIME WARNER INC COM 00184A105 156 10,631 SH OTHER 9,106 1,525
A T & T CORP COM 001957109 1,763 164,769 SH DEFINED 60,738 104,031
A T & T CORP COM 001957109 340 31,764 SH OTHER 21,413 3,418 6,933
AT & T WIRELESS SERVICES INC COM 00209A106 123 21,089 SH DEFINED 20,533 556
AT & T WIRELESS SERVICES INC COM 00209A106 55 9,412 SH OTHER 6,886 466 2,060
ABBOTT LABORATORIES COM 002824100 5,535 147,018 SH DEFINED 144,013 3,005
ABBOTT LABORATORIES COM 002824100 1,063 28,232 SH OTHER 16,070 1,600 10,562
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 2,156 89,385 SH DEFINED 85,070 4,315
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 68 2,800 SH OTHER 2,800
ABERDEEN ASIA PAC PRIME INC COM 003009107 57 11,905 SH DEFINED 11,905
ABERDEEN ASIA PAC PRIME INC COM 003009107 119 25,000 SH OTHER 25,000
AEGON N V ORD AMER REG 007924103 542 26,626 SH DEFINED 26,626
AEGON N V ORD AMER REG 007924103 452 22,228 SH OTHER 14,236 7,992
AFFILIATED COMPUTER SVCS INC CL A 008190100 1,899 40,000 SH DEFINED 40,000
AGERE SYS INC CL B 00845V209 9 5,707 SH DEFINED 5,344 363
AGERE SYS INC CL B 00845V209 9 5,686 SH OTHER 1,879 1,288 2,519
AGILENT TECHNOLOGIES INC COM 00846U101 183 7,747 SH DEFINED 6,809 938
AGILENT TECHNOLOGIES INC COM 00846U101 110 4,639 SH OTHER 4,182 457
AGNICO EAGLE MINES LTD COM 008474108 2,355 161,650 SH DEFINED 161,650
AIR PRODUCTS & CHEMICALS INC COM 009158106 146 2,900 SH DEFINED 2,900
AIR PRODUCTS & CHEMICALS INC COM 009158106 254 5,032 SH OTHER 4,032 1,000
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 213 4,896 SH DEFINED 4,896
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 8 190 SH OTHER 190
ALABAMA NATL BANCORPORATION DEL COM 010317105 417 9,625 SH DEFINED 9,625
ALABAMA NATL BANCORPORATION DEL COM 010317105 22 500 SH OTHER 500
ALBERTSONS INC COM 013104104 3,976 130,523 SH DEFINED 127,970 2,553
ALBERTSONS INC COM 013104104 23 745 SH OTHER 745
ALCOA INC COM 013817101 1,475 44,490 SH DEFINED 42,720 1,770
ALCOA INC COM 013817101 234 7,065 SH OTHER 6,640 425
ALFA CORP COM 015385107 518 44,248 SH DEFINED 42,248 2,000
ALFA CORP COM 015385107 16 1,396 SH OTHER 1,396
ALLSTATE CORP COM 020002101 2,352 63,609 SH DEFINED 54,243 2,348 7,018
ALLSTATE CORP COM 020002101 436 11,791 SH OTHER 9,017 2,774
ALLTEL CORP COM 020039103 1,141 24,264 SH DEFINED 23,119 1,145
ALLTEL CORP COM 020039103 321 6,835 SH OTHER 6,035 500 300
AMERADA HESS CORP COM 023551104 945 11,450 SH DEFINED 11,450
AMERADA HESS CORP COM 023551104 50 600 SH OTHER 400 200
AMEREN CORP COM 023608102 205 4,759 SH DEFINED 4,709 50
AMEREN CORP COM 023608102 69 1,600 SH OTHER 1,600
AMERICAN EAGLE OUTFITTERS IN COM 02553E106 2,748 130,000 SH DEFINED 130,000
AMERICAN ELECTRIC POWER INC COM 025537101 859 21,459 SH DEFINED 20,759 700
AMERICAN ELECTRIC POWER INC COM 025537101 18 452 SH OTHER 120 332
AMERICAN EXPRESS CO COM 025816109 10,096 277,978 SH DEFINED 266,152 11,826
AMERICAN EXPRESS CO COM 025816109 1,616 44,506 SH OTHER 39,042 5,464
AMERICAN INTL GROUP INC COM 026874107 13,981 204,911 SH DEFINED 192,150 12,761
AMERICAN INTL GROUP INC COM 026874107 2,775 40,667 SH OTHER 14,470 4,215 21,982
AMERICAN STD COS INC DEL COM 029712106 2,253 30,000 SH DEFINED 30,000
AMERISOURCEBERGEN CORP COM 03073E105 635 8,350 SH DEFINED 8,350
AMGEN INC COM 031162100 1,950 46,567 SH DEFINED 43,498 3,069
AMGEN INC COM 031162100 383 9,148 SH OTHER 3,125 278 5,745
AMSOUTH BANCORPORATION COM 032165102 10,263 458,586 SH DEFINED 425,268 33,318
AMSOUTH BANCORPORATION COM 032165102 8,272 369,622 SH OTHER 246,879 5,000 117,743
ANADARKO PETE CORP COM 032511107 4,120 83,577 SH DEFINED 83,557 20
ANADARKO PETE CORP COM 032511107 52 1,047 SH OTHER 1,047
ANHEUSER BUSCH COS INC COM 035229103 17,087 341,732 SH DEFINED 339,395 380 1,957
ANHEUSER BUSCH COS INC COM 035229103 945 18,896 SH OTHER 14,668 2,618 1,610
AON CORP COM 037389103 825 28,000 SH DEFINED 3,000 25,000
APACHE CORP COM 037411105 5,769 100,362 SH DEFINED 98,962 1,400
APACHE CORP COM 037411105 36 622 SH OTHER 330 292
APPLERA CORP APPLID BIOSYS COM AP BIO GRP 038020103 118 6,050 SH DEFINED 5,450 600
APPLERA CORP APPLID BIOSYS COM AP BIO GRP 038020103 82 4,200 SH OTHER 4,200
APPLIED MATLS INC COM 038222105 4,870 256,042 SH DEFINED 224,482 31,560
APPLIED MATLS INC COM 038222105 126 6,650 SH OTHER 6,300 350
ARCHER DANIELS MIDLAND CO COM 039483102 526 41,099 SH DEFINED 40,171 928
ARCHER DANIELS MIDLAND CO COM 039483102 50 3,903 SH OTHER 2,153 700 1,050
ASTORIA FINL CORP COM 046265104 962 30,000 SH DEFINED 30,000
ASTRAZENECA PLC SPONSORED ADR 046353108 254 6,205 SH DEFINED 5,800 405
AUBURN NATIONAL BANCORPORATION COM 050473107 174 12,000 SH DEFINED 12,000
AUBURN NATIONAL BANCORPORATION COM 050473107 365 25,150 SH OTHER 25,150
AUTOMATIC DATA PROCESSING INC COM 053015103 3,854 88,491 SH DEFINED 87,466 1,025
AUTOMATIC DATA PROCESSING INC COM 053015103 481 11,055 SH OTHER 6,080 4,975
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 13 11,542 SH OTHER 11,542
AVERY DENNISON CORP COM 053611109 159 2,529 SH DEFINED 2,529
AVERY DENNISON CORP COM 053611109 63 1,000 SH OTHER 1,000
AVOCENT CORP COM 053893103 8,988 564,549 SH DEFINED 564,549
AVON PRODS INC COM 054303102 97 1,850 SH DEFINED 1,600 250
AVON PRODS INC COM 054303102 268 5,136 SH OTHER 5,136
BISYS GROUP INC COM 055472104 2,664 80,000 SH DEFINED 80,000
BJS WHSL CLUB INC COM 05548J106 2,741 71,200 SH DEFINED 71,200
BJ SVCS CO COM 055482103 8,817 260,245 SH DEFINED 259,950 295
BP PLC ADR SPONSORED ADR 055622104 12,235 242,322 SH DEFINED 236,174 6,148
BP PLC ADR SPONSORED ADR 055622104 3,218 63,727 SH OTHER 52,016 8,868 2,843
BAKER HUGHES INC COM 057224107 950 28,535 SH DEFINED 28,535
BAKER HUGHES INC COM 057224107 31 923 SH OTHER 923
BANCORPSOUTH INC COM 059692103 62 3,064 SH DEFINED 3,064
BANCORPSOUTH INC COM 059692103 202 10,000 SH OTHER 10,000
BANCTRUST FINANCIAL GP COM 05978R107 269 22,105 SH DEFINED 19,105 3,000
BANK AMER CORP COM 060505104 32,373 460,105 SH DEFINED 443,537 4,155 12,413
BANK AMER CORP COM 060505104 16,594 235,847 SH OTHER 217,514 17,833 500
BANK NEW YORK INC COM 064057102 6,175 182,960 SH DEFINED 176,472 6,308 180
BANK NEW YORK INC COM 064057102 259 7,680 SH OTHER 200 3,580 3,900
BANK ONE CORP COM 06423A103 354 9,193 SH DEFINED 7,242 1,951
BANK ONE CORP COM 06423A103 370 9,623 SH OTHER 7,623 1,500 500
BANKNORTH GROUP INC COM 06646R107 1,062 40,800 SH DEFINED 40,800
BARRICK GOLD CORP COM 067901108 18,259 961,487 SH DEFINED 952,837 2,170 6,480
BARRICK GOLD CORP COM 067901108 154 8,090 SH OTHER 3,790 3,500 800
BAXTER INTERNATIONAL INC COM 071813109 4,107 92,400 SH DEFINED 92,220 180
BAXTER INTERNATIONAL INC COM 071813109 595 13,388 SH OTHER 10,960 1,880 548
BEA SYS INC COM 073325102 154 16,200 SH OTHER 16,200
BEAR STEARNS COS INC COM 073902108 166 2,716 SH DEFINED 2,716
BEAR STEARNS COS INC COM 073902108 72 1,177 SH OTHER 1,177
BECTON DICKINSON & CO COM 075887109 265 7,700 SH DEFINED 7,200 500
BECTON DICKINSON & CO COM 075887109 35 1,008 SH OTHER 1,008
BED BATH & BEYOND INC COM 075896100 5,899 156,300 SH DEFINED 154,350 1,950
BED BATH & BEYOND INC COM 075896100 30 800 SH OTHER 600 200
BELLSOUTH CORP COM 079860102 8,240 261,596 SH DEFINED 236,613 1,650 23,333
BELLSOUTH CORP COM 079860102 4,071 129,238 SH OTHER 76,882 23,860 28,496
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,202 18 SH DEFINED 17 1
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,470 22 SH OTHER 2 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 1,597 715 SH DEFINED 687 5 23
BERKSHIRE HATHAWAY INC DEL CL B 084670207 561 251 SH OTHER 246 5
BEST BUY INC COM 086516101 863 23,775 SH DEFINED 23,250 525
BEST BUY INC COM 086516101 7 180 SH OTHER 180
BETHLEHEM STEEL PFD CV $2.50 087509402 200 SH DEFINED 200
BETHLEHEM STEEL PFD CV $2.50 087509402 18 10,000 SH OTHER 10,000
BIOCRYST PHARMACEUTICALS INC COM 09058V103 1 1,500 SH DEFINED 1,500
BIOCRYST PHARMACEUTICALS INC COM 09058V103 99 114,054 SH OTHER 6,000 108,054
BIOGEN INC COM 090597105 197 4,750 SH DEFINED 4,550 200
BIOGEN INC COM 090597105 27 650 SH OTHER 650
BLACKROCK INSD MUN TERM TR INC COM 092474105 269 25,000 SH DEFINED 25,000
BLACKROCK MUNICIPAL BOND TR COM 09249H104 211 15,000 SH DEFINED 15,000
BLOCK H & R INC COM 093671105 231 5,001 SH DEFINED 3,401 1,600
BLOCK H & R INC COM 093671105 222 4,800 SH OTHER 4,800
BLOUNT INTL INC NEW COM 095180105 176 41,851 SH OTHER 41,851
BOEING CO COM 097023105 15,280 339,546 SH DEFINED 335,213 540 3,793
BOEING CO COM 097023105 486 10,803 SH OTHER 6,683 1,600 2,520
BRINKER INTL INC COM 109641100 1,597 50,300 SH DEFINED 50,300
BRISTOL MYERS SQUIBB CO COM 110122108 9,227 359,021 SH DEFINED 319,787 1,340 37,894
BRISTOL MYERS SQUIBB CO COM 110122108 3,153 122,685 SH OTHER 94,063 11,174 17,448
BUCKEYE PARTNERS LP UNITS UNIT LTD PARTN 118230101 227 6,400 SH DEFINED 6,400
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 2,924 97,451 SH DEFINED 96,027 1,424
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 223 7,444 SH OTHER 6,019 1,425
BURLINGTON RESOURCES INC COM 122014103 457 12,024 SH DEFINED 8,845 1,436 1,743
BURLINGTON RESOURCES INC COM 122014103 165 4,354 SH OTHER 3,486 868
CIGNA CORP COM 125509109 2,095 21,500 SH DEFINED 21,500
CIGNA CORP COM 125509109 214 2,196 SH OTHER 2,196
CSX CORP COM 126408103 306 8,720 SH DEFINED 8,720
CSX CORP COM 126408103 71 2,020 SH OTHER 1,620 400
CVS CORPORATION (DEL) COM 126650100 5,229 170,890 SH DEFINED 170,090 800
CVS CORPORATION (DEL) COM 126650100 144 4,714 SH OTHER 4,112 602
CAMPBELL SOUP CO COM 134429109 238 8,600 SH DEFINED 8,000 600
CAMPBELL SOUP CO COM 134429109 36 1,300 SH OTHER 700 600
CARLISLE COS INC COM 142339100 261 5,800 SH DEFINED 4,200 1,600
CATELLUS DEV CORP COM 149111106 1,310 64,134 SH DEFINED 6,802 57,332
CATERPILLAR INC COM 149123101 488 9,967 SH DEFINED 9,367 600
CATERPILLAR INC COM 149123101 512 10,468 SH OTHER 4,068 6,400
CENDANT CORP COM 151313103 397 25,000 SH DEFINED 16,300 8,700
CENTURYTEL INC COM 156700106 7,414 251,311 SH DEFINED 16,862 234,449
CENTURYTEL INC COM 156700106 24 800 SH OTHER 800
CHEVRONTEXACO CORP COM 166764100 22,059 249,251 SH DEFINED 240,196 2,120 6,935
CHEVRONTEXACO CORP COM 166764100 4,556 51,477 SH OTHER 32,580 11,741 7,156
CHUBB CORP COM 171232101 205 2,901 SH DEFINED 2,901
CINERGY CORP COM 172474108 122 3,387 SH DEFINED 1,137 2,250
CINERGY CORP COM 172474108 396 11,000 SH OTHER 5,000 6,000
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 2,174 115,935 SH DEFINED 115,650 285
CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 30 1,600 SH OTHER 1,600
CISCO SYS INC COM 17275R102 8,721 625,129 SH DEFINED 594,778 2,000 28,351
CISCO SYS INC COM 17275R102 674 48,295 SH OTHER 31,175 3,290 13,830
CITIGROUP INC COM 172967101 20,512 529,331 SH DEFINED 499,278 410 29,643
CITIGROUP INC COM 172967101 4,991 128,790 SH OTHER 96,479 12,745 19,566
CLOROX CO COM 189054109 4,746 114,777 SH DEFINED 98,870 1,027 14,880
CLOROX CO COM 189054109 387 9,354 SH OTHER 5,494 2,236 1,624
COACH INC COM 189754104 230 4,192 SH DEFINED 4,192
COACH INC COM 189754104 13 238 SH OTHER 238
COCA COLA CO COM 191216100 52,347 934,760 SH DEFINED 750,861 183,899
COCA COLA CO COM 191216100 47,505 848,295 SH OTHER 789,381 25,664 33,250
COCA COLA ENTERPRISES INC COM 191219104 3 125 SH DEFINED 125
COCA COLA ENTERPRISES INC COM 191219104 6,824 309,060 SH OTHER 309,060
COLGATE PALMOLIVE CO COM 194162103 6,830 136,473 SH DEFINED 131,605 4,868
COLGATE PALMOLIVE CO COM 194162103 13,965 279,028 SH OTHER 267,228 11,800
COLONIAL BANCGROUP INC COM 195493309 212 14,166 SH DEFINED 14,166
COLONIAL BANCGROUP INC COM 195493309 66 4,388 SH OTHER 4,388
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 80 2,050 SH DEFINED 1,900 150
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 464 11,925 SH OTHER 11,925
COMCAST CORP CL A SPL CL A SPL 200300200 1,144 48,000 SH DEFINED 28,600 530 18,870
COMCAST CORP CL A SPL CL A SPL 200300200 97 4,080 SH OTHER 990 3,090
COMERICA INC COM 200340107 6,921 112,728 SH DEFINED 111,678 1,050
COMPASS BANCSHARES, INC. COM 20449H109 2,381 70,866 SH DEFINED 69,238 1,628
COMPASS BANCSHARES, INC. COM 20449H109 3,481 103,616 SH OTHER 89,639 1,012 12,965
CONAGRA FOODS INC COM COM 205887102 8,153 294,873 SH DEFINED 291,223 1,400 2,250
CONAGRA FOODS INC COM COM 205887102 339 12,252 SH OTHER 11,262 340 650
CONEXANT SYS INC COM 207142100 25 15,210 SH DEFINED 15,210
CONEXANT SYS INC COM 207142100 2 1,448 SH OTHER 1,448
CONOCO INC COM 208251504 5,401 194,266 SH DEFINED 193,616 650
CONOCO INC COM 208251504 200 7,212 SH OTHER 6,912 300
CONSOLIDATED EDISON INC COM 209115104 129 3,101 SH DEFINED 2,551 550
CONSOLIDATED EDISON INC COM 209115104 173 4,150 SH OTHER 4,150
COOPER CAMERON CORP COM 216640102 4,998 103,214 SH DEFINED 102,435 779
COOPER CAMERON CORP COM 216640102 21 425 SH OTHER 325 100
COORS ADOLPH CO CL B CL B 217016104 8,096 129,950 SH DEFINED 129,200 750
CORNING INC COM 219350105 106 29,989 SH DEFINED 26,565 3,424
CORNING INC COM 219350105 27 7,625 SH OTHER 5,925 1,700
COSTCO WHSL CORP COM 22160K105 902 23,350 SH DEFINED 22,550 800
COSTCO WHSL CORP COM 22160K105 309 8,000 SH OTHER 400 7,600
COX COMMUNICATIONS INC NEW CL A 224044107 231 8,372 SH DEFINED 8,372
CYPRESS SEMICONDUCTOR CORP COM 232806109 607 40,000 SH DEFINED 40,000
DNP SELECT INCOME FD COM 23325P104 407 40,025 SH DEFINED 39,825 200
DNP SELECT INCOME FD COM 23325P104 145 14,280 SH OTHER 14,280
DST SYS INC DEL COM 233326107 1,371 30,000 SH DEFINED 30,000
DTE ENERGY CO COM 233331107 216 4,833 SH DEFINED 4,753 80
DTE ENERGY CO COM 233331107 2 50 SH OTHER 50
DEERE & CO COM 244199105 184 3,850 SH DEFINED 3,850
DEERE & CO COM 244199105 115 2,400 SH OTHER 2,400
DELL COMPUTER CORP COM 247025109 2,118 81,038 SH DEFINED 69,307 11,731
DELL COMPUTER CORP COM 247025109 408 15,590 SH OTHER 13,490 1,900 200
DELPHI AUTOMOTIVE SYS CORP COM 247126105 1,275 96,580 SH DEFINED 87,445 9,135
DELPHI AUTOMOTIVE SYS CORP COM 247126105 203 15,385 SH OTHER 12,938 1,247 1,200
DELTA AIR LINES INC COM 247361108 179 8,960 SH DEFINED 8,860 100
DELTA AIR LINES INC COM 247361108 54 2,688 SH OTHER 2,688
DELTIC TIMBER CORP COM 247850100 634 18,385 SH DEFINED 18,385
DEVON ENERGY CORPORATION NEW COM 25179M103 754 15,300 SH DEFINED 15,300
DIAL CORP NEW COM COM 25247D101 949 47,389 SH DEFINED 43,246 543 3,600
DIAL CORP NEW COM COM 25247D101 145 7,261 SH OTHER 5,276 1,735 250
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 1,248 43,785 SH DEFINED 43,785
DIAMOND OFFSHORE DRILLNG INC COM 25271C102 3 100 SH OTHER 100
DIEBOLD INC COM 253651103 276 7,423 SH DEFINED 6,323 1,100
DILLARDS INC CL A 254067101 114 4,350 SH DEFINED 3,219 1,131
DILLARDS INC CL A 254067101 131 5,000 SH OTHER 5,000
WALT DISNEY COMPANY COM DISNEY 254687106 2,105 111,377 SH DEFINED 84,141 27,236
WALT DISNEY COMPANY COM DISNEY 254687106 1,324 70,039 SH OTHER 34,327 300 35,412
DOLLAR TREE STORES INC COM 256747106 3,153 80,000 SH DEFINED 80,000
DOMINION RES INC VA NEW COM 25746U109 5,236 79,087 SH DEFINED 78,517 570
DOMINION RES INC VA NEW COM 25746U109 79 1,200 SH OTHER 1,100 100
DOVER CORP COM 260003108 1,095 31,294 SH DEFINED 22,758 8,536
DOVER CORP COM 260003108 131 3,745 SH OTHER 3,041 704
DOW CHEM CO COM COM 260543103 705 20,493 SH DEFINED 19,593 900
DOW CHEM CO COM COM 260543103 546 15,886 SH OTHER 8,282 4,750 2,854
DREYFUS STRATEGIC MUNS INC COM 261932107 498 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 454 51,548 SH DEFINED 51,548
DU PONT E I DE NEMOURS & CO COM 263534109 15,510 349,314 SH DEFINED 341,999 7,315
DU PONT E I DE NEMOURS & CO COM 263534109 2,609 58,772 SH OTHER 44,266 1,606 12,900
DUKE ENERGY CORP COM 264399106 4,670 150,157 SH DEFINED 136,680 13,477
DUKE ENERGY CORP COM 264399106 812 26,109 SH OTHER 23,644 750 1,715
DURECT CORP COM 266605104 402 50,281 SH OTHER 50,281
E M C CORP MASS COM 268648102 1,035 137,026 SH DEFINED 102,699 34,327
E M C CORP MASS COM 268648102 349 46,249 SH OTHER 34,580 662 11,007
E TRADE GROUP INC COM 269246104 97 17,750 SH DEFINED 17,150 600
E TRADE GROUP INC COM 269246104 4 750 SH OTHER 500 250
EASTMAN CHEM CO COM 277432100 2,912 62,086 SH DEFINED 61,341 745
EASTMAN CHEM CO COM 277432100 30 630 SH OTHER 443 187
EATON CORP COM 278058102 286 3,932 SH DEFINED 3,760 172
EATON VANCE MUNICIPAL INCOME FD SH BEN INT 27826U108 467 33,332 SH DEFINED 33,332
EL PASO CORP COM 28336L109 212 10,266 SH DEFINED 8,566 1,700
EL PASO CORP COM 28336L109 237 11,493 SH OTHER 7,837 3,656
ELECTRONIC ARTS COM 285512109 1,982 30,000 SH DEFINED 30,000
ELECTRONIC ARTS COM 285512109 264 4,000 SH OTHER 4,000
ELECTRONIC DATA SYS CORP NEW COM 285661104 726 19,537 SH DEFINED 18,324 40 1,173
ELECTRONIC DATA SYS CORP NEW COM 285661104 530 14,256 SH OTHER 3,356 800 10,100
EMERSON ELECTRIC CO COM 291011104 1,118 20,894 SH DEFINED 19,744 1,150
EMERSON ELECTRIC CO COM 291011104 471 8,810 SH OTHER 6,810 2,000
ENERGEN CORP COM 29265N108 180 6,550 SH DEFINED 5,550 1,000
ENERGEN CORP COM 29265N108 206 7,500 SH OTHER 5,600 1,900
ENERGYSOUTH INC COM 292970100 1,736 54,198 SH DEFINED 54,048 150
ENERGYSOUTH INC COM 292970100 64 2,000 SH OTHER 2,000
ENTERGY CORP COM 29364G103 641 15,099 SH DEFINED 13,357 1,742
ENTERGY CORP COM 29364G103 59 1,400 SH OTHER 100 1,000 300
EQUITABLE RES INC COM 294549100 1,449 42,250 SH DEFINED 42,250
EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 284 3,333 SH DEFINED 2,400 933
ERICSSON L M TEL CO ADR CL B SEK10 294821400 30 20,560 SH DEFINED 20,560
ERICSSON L M TEL CO ADR CL B SEK10 294821400 7 4,800 SH OTHER 4,800
EXELON CORP COM 30161N101 353 6,753 SH DEFINED 6,077 676
EXELON CORP COM 30161N101 113 2,159 SH OTHER 1,107 1,052
EXXON MOBIL CORP COM 30231G102 59,466 1,453,219 SH DEFINED 1,359,302 4,884 89,033
EXXON MOBIL CORP COM 30231G102 17,465 426,821 SH OTHER 353,176 44,338 29,307
FPL GROUP INC COM 302571104 3,727 62,127 SH DEFINED 61,179 948
FPL GROUP INC COM 302571104 84 1,400 SH OTHER 300 400 700
FAIRCHILD SEMICONDUCTOR INTL CL A 303726103 1,458 60,000 SH DEFINED 60,000
FAMILY DOLLAR STORES INC COM 307000109 6,643 188,450 SH DEFINED 185,300 1,200 1,950
FAMILY DOLLAR STORES INC COM 307000109 11 300 SH OTHER 300
FREDDIE MAC COM 313400301 1,850 30,229 SH DEFINED 28,613 1,616
FREDDIE MAC COM 313400301 37 600 SH OTHER 500 100
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 13,826 187,477 SH DEFINED 177,406 10,071
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 751 10,182 SH OTHER 8,275 1,907
FEDEX CORP COM 31428X106 2,282 42,734 SH DEFINED 9,472 33,262
FEDEX CORP COM 31428X106 50 929 SH OTHER 929
FIRST DATA CORP COM 319963104 2,376 63,870 SH DEFINED 62,470 1,400
FIRST DATA CORP COM 319963104 205 5,504 SH OTHER 4,304 1,200
FIRST HEALTH GROUP CORP COM 320960107 1,402 50,000 SH DEFINED 50,000
FIRST TENNESSEE NATIONAL CORP COM 337162101 3,314 86,526 SH DEFINED 86,526
FIRST TENNESSEE NATIONAL CORP COM 337162101 283 7,392 SH OTHER 7,392
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 981 18,300 SH OTHER 18,300
FIRSTENERGY CORP COM 337932107 227 6,791 SH DEFINED 6,791
FIRSTENERGY CORP COM 337932107 6 190 SH OTHER 190
FLEETBOSTON FINL CORP COM 339030108 4,014 124,069 SH DEFINED 122,599 1,470
FLEETBOSTON FINL CORP COM 339030108 78 2,402 SH OTHER 2,302 100
FLEMING COMPANIES INC COM 339130106 300 16,550 SH DEFINED 16,550
FLORIDA ROCK INDS INC COM 341140101 316 8,824 SH DEFINED 6,450 2,374
FLORIDA ROCK INDS INC COM 341140101 38 1,057 SH OTHER 1,057
FOOT LOCKER INC COM 344849104 185 12,800 SH DEFINED 12,800
FORD MTR CO DEL COM PAR $O.01 345370860 1,465 91,573 SH DEFINED 67,696 23,877
FORD MTR CO DEL COM PAR $O.01 345370860 455 28,449 SH OTHER 19,751 8,698
FOREST LABS INC COM 345838106 1,020 14,410 SH DEFINED 14,110 300
FOREST LABS INC COM 345838106 14 200 SH OTHER 200
FORTUNE BRANDS INC COM 349631101 959 17,125 SH DEFINED 15,250 1,875
FORTUNE BRANDS INC COM 349631101 101 1,800 SH OTHER 1,800
GALLAGHER ARTHUR J & CO COM 363576109 3,524 101,700 SH DEFINED 101,700
GALLAHER GROUP PLC SPONSORED ADR 363595109 618 16,552 SH DEFINED 16,552
GALLAHER GROUP PLC SPONSORED ADR 363595109 60 1,600 SH OTHER 1,600
GANNETT INC COM 364730101 1,499 19,753 SH DEFINED 15,753 600 3,400
GANNETT INC COM 364730101 1,061 13,978 SH OTHER 11,532 2,446
GAP INC COM 364760108 4,983 350,900 SH DEFINED 329,235 21,665
GAP INC COM 364760108 3 200 SH OTHER 200
GENERAL DYNAMICS CORP COM 369550108 9,405 88,438 SH DEFINED 85,833 2,605
GENERAL DYNAMICS CORP COM 369550108 219 2,060 SH OTHER 1,600 160 300
GENERAL ELECTRIC CO COM 369604103 49,501 1,703,998 SH DEFINED 1,642,739 2,950 58,309
GENERAL ELECTRIC CO COM 369604103 17,460 601,047 SH OTHER 528,223 23,846 48,978
GENERAL MILLS INC COM 370334104 8,065 182,957 SH DEFINED 178,134 4,823
GENERAL MILLS INC COM 370334104 590 13,389 SH OTHER 10,799 1,350 1,240
GENERAL MOTORS CORP COM 370442105 2,766 51,752 SH DEFINED 28,436 150 23,166
GENERAL MOTORS CORP COM 370442105 717 13,414 SH OTHER 11,819 800 795
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 898 86,363 SH DEFINED 3,880 82,483
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 17 1,608 SH OTHER 1,608
GENUINE PARTS CO COM 372460105 1,281 36,728 SH DEFINED 32,228 4,500
GENUINE PARTS CO COM 372460105 647 18,541 SH OTHER 17,941 600
GEORGIA PAC CORP (GA PAC GR) COM 373298108 2,611 106,238 SH DEFINED 103,586 2,072 580
GEORGIA PAC CORP (GA PAC GR) COM 373298108 10 400 SH OTHER 400
GILEAD SCIENCES INC COM 375558103 658 20,000 SH DEFINED 20,000
GILLETTE CO COM 375766102 10,650 314,447 SH DEFINED 289,493 24,954
GILLETTE CO COM 375766102 2,241 66,155 SH OTHER 46,905 100 19,150
GLAXO SMITHKLINE SPONSORED ADR 37733W105 343 7,956 SH DEFINED 7,491 465
GLAXO SMITHKLINE SPONSORED ADR 37733W105 71 1,650 SH OTHER 1,650
GOODRICH CORP COM 382388106 7,666 280,610 SH DEFINED 276,620 3,990
GOODRICH CORP COM 382388106 83 3,055 SH OTHER 1,900 1,155
GRAY COMMUNICATIONS SYSTEM INC COM 389190109 1,273 70,316 SH DEFINED 70,316
HCA-INC COM 404119109 363 7,650 SH DEFINED 7,650
HCA-INC COM 404119109 10 200 SH OTHER 200
HCB BANCSHARES INC COM 40413N106 2,961 198,086 SH DEFINED 198,086
HARTFORD FINL SVCS GROUP INC COM 416515104 307 5,165 SH DEFINED 4,765 400
HARTFORD FINL SVCS GROUP INC COM 416515104 13 225 SH OTHER 225
HEALTHSOUTH CORP COM 421924101 282 22,051 SH DEFINED 17,376 4,675
HEALTHSOUTH CORP COM 421924101 6 500 SH OTHER 500
HEINZ H J CO COM 423074103 2,325 56,561 SH DEFINED 50,661 5,900
HEINZ H J CO COM 423074103 368 8,945 SH OTHER 8,045 900
HERSHEY FOODS CORP COM 427866108 546 8,735 SH DEFINED 8,635 100
HERSHEY FOODS CORP COM 427866108 646 10,332 SH OTHER 8,800 100 1,432
HEWLETT PACKARD CO COM 428236103 1,679 109,907 SH DEFINED 107,184 2,723
HEWLETT PACKARD CO COM 428236103 758 49,600 SH OTHER 44,435 5,165
HIBERNIA CORP CL A 428656102 533 26,910 SH DEFINED 26,910
HILTON HOTELS COM 432848109 1,377 99,050 SH DEFINED 5,334 93,716
HOME DEPOT INC COM 437076102 8,439 229,760 SH DEFINED 217,714 1,030 11,016
HOME DEPOT INC COM 437076102 1,530 41,648 SH OTHER 27,368 1,330 12,950
HONEYWELL INTERNATIONAL INC COM 438516106 861 24,447 SH DEFINED 21,762 2,685
HONEYWELL INTERNATIONAL INC COM 438516106 380 10,781 SH OTHER 1,875 8,906
HOST MARRIOTT CORP NEW (REIT) COM 44107P104 900 79,663 SH DEFINED 4,465 75,198
HOUSEHOLD INTERNATIONAL CORP COM 441815107 273 5,488 SH DEFINED 5,488
HOUSEHOLD INTERNATIONAL CORP COM 441815107 344 6,927 SH OTHER 6,927
HOUSTON EXPL CO COM 442120101 1,856 64,000 SH DEFINED 64,000
ILLINOIS TOOL WKS INC COM 452308109 367 5,378 SH DEFINED 5,333 45
INSURED MUNICIPAL INCOME FUND COM 45809F104 635 44,583 SH DEFINED 44,583
INSURED MUNICIPAL INCOME FUND COM 45809F104 12 865 SH OTHER 865
INTEL CORP COM 458140100 18,731 1,025,220 SH DEFINED 951,755 3,320 70,145
INTEL CORP COM 458140100 3,919 214,494 SH OTHER 173,195 8,380 32,919
INTERGRAPH CORP COM 458683109 240 13,750 SH DEFINED 13,750
INTERGRAPH CORP COM 458683109 61 3,500 SH OTHER 3,500
INTL BUSINESS MACHINES CORP COM 459200101 19,736 274,116 SH DEFINED 247,385 26,731
INTL BUSINESS MACHINES CORP COM 459200101 4,164 57,827 SH OTHER 43,813 920 13,094
INTL FLAVORS & FRAGRANCES INC COM 459506101 127 3,908 SH DEFINED 3,658 250
INTL FLAVORS & FRAGRANCES INC COM 459506101 104 3,201 SH OTHER 2,901 300
INTERNATIONAL GAME TECHNOLOGY COM 459902102 2,325 41,000 SH DEFINED 41,000
INTERNATIONAL PAPER CO COM 460146103 6,610 151,664 SH DEFINED 149,851 300 1,513
INTERNATIONAL PAPER CO COM 460146103 1,881 43,154 SH OTHER 42,098 1,056
INTERPUBLIC GROUP COS INC COM 460690100 95 3,844 SH DEFINED 3,844
INTERPUBLIC GROUP COS INC COM 460690100 120 4,842 SH OTHER 4,312 530
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 1,177 36,000 SH DEFINED 36,000
ISHARES TR S&P SMLCP VALU 464287879 198 2,200 SH DEFINED 2,200
ISHARES TR S&P SMLCP VALU 464287879 135 1,500 SH OTHER 1,500
JDS UNIPHASE CORP COM 46612J101 38 14,153 SH DEFINED 7,670 6,483
JDS UNIPHASE CORP COM 46612J101 19 7,250 SH OTHER 2,630 345 4,275
JP MORGAN CHASE & CO COM 46625H100 4,663 137,464 SH DEFINED 133,149 4,315
JP MORGAN CHASE & CO COM 46625H100 1,089 32,100 SH OTHER 24,125 5,735 2,240
JEFFERSON PILOT CORP COM 475070108 11,685 248,626 SH DEFINED 221,118 1,005 26,503
JEFFERSON PILOT CORP COM 475070108 4,590 97,652 SH OTHER 54,740 4,175 38,737
JOHNSON & JOHNSON COM 478160104 34,725 664,461 SH DEFINED 626,926 750 36,785
JOHNSON & JOHNSON COM 478160104 4,590 87,835 SH OTHER 59,985 5,300 22,550
JONES APPAREL GROUP INC COM 480074103 1,875 50,000 SH DEFINED 50,000
KLA - TENCOR CORPORATION COM 482480100 1,966 44,690 SH DEFINED 44,490 200
KELLOGG CO COM 487836108 278 7,750 SH DEFINED 6,550 1,200
KELLOGG CO COM 487836108 459 12,800 SH OTHER 10,400 1,600 800
KEYCORP NEW COM 493267108 9,690 354,927 SH DEFINED 350,932 3,995
KEYCORP NEW COM 493267108 19 700 SH OTHER 400 300
KIMBERLY CLARK CORP COM 494368103 23,309 375,953 SH DEFINED 356,893 489 18,571
KIMBERLY CLARK CORP COM 494368103 4,222 68,095 SH OTHER 56,767 6,270 5,058
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 255 8,120 SH DEFINED 8,120
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 31 1,000 SH OTHER 1,000
KNIGHT RIDDER INC COM 499040103 2,027 32,197 SH DEFINED 3,533 28,664
KRAFT FOODS INC CL A 50075N104 11,696 285,620 SH DEFINED 281,875 3,745
KRAFT FOODS INC CL A 50075N104 53 1,295 SH OTHER 700 595
L-3 COMMUNICATIONS HLDGS INC COM 502424104 2,592 48,000 SH DEFINED 48,000
L-3 COMMUNICATIONS HLDGS INC COM 502424104 32 600 SH OTHER 600
LAM RESEARCH CORP COM 512807108 2,337 130,000 SH DEFINED 130,000
LEGGETT & PLATT INC COM 524660107 1,292 55,195 SH DEFINED 55,195
LEGG MASON INC COM 524901105 2,467 50,000 SH DEFINED 50,000
LEHMAN BROS HLDGS INC COM 524908100 134 2,138 SH DEFINED 2,138
LEHMAN BROS HLDGS INC COM 524908100 97 1,554 SH OTHER 1,240 314
LILLY ELI & CO COM 532457108 2,097 37,175 SH DEFINED 36,255 920
LILLY ELI & CO COM 532457108 1,850 32,802 SH OTHER 28,202 4,600
LIMITED INC COM 532716107 270 12,676 SH DEFINED 11,476 1,200
LIMITED INC COM 532716107 28 1,300 SH OTHER 1,300
LINCARE HLDGS INC COM 532791100 1,615 50,000 SH DEFINED 50,000
LINCOLN NATIONAL CORP IND COM 534187109 6,547 155,870 SH DEFINED 153,995 1,875
LINCOLN NATIONAL CORP IND COM 534187109 83 1,969 SH OTHER 1,819 150
LIZ CLAIBORNE INC COM 539320101 4,546 142,963 SH DEFINED 142,088 875
LIZ CLAIBORNE INC COM 539320101 51 1,600 SH OTHER 1,400 200
LOCKHEED MARTIN CORP COM 539830109 177 2,549 SH DEFINED 2,339 210
LOCKHEED MARTIN CORP COM 539830109 290 4,173 SH OTHER 3,392 781
LOEWS CORP COM 540424108 7 130 SH DEFINED 130
LOEWS CORP COM 540424108 954 18,000 SH OTHER 18,000
LONE STAR TECHNOLOGIES INC COM 542312103 3,664 160,000 SH DEFINED 160,000
LOUISIANA PACIFIC CORP COM 546347105 1,003 94,747 SH DEFINED 94,469 278
LOWES COS INC COM 548661107 9,005 198,350 SH DEFINED 194,462 3,888
LOWES COS INC COM 548661107 243 5,360 SH OTHER 4,000 310 1,050
LUCENT TECHNOLOGIES INC COM 549463107 36 21,581 SH DEFINED 20,201 1,380
LUCENT TECHNOLOGIES INC COM 549463107 34 20,626 SH OTHER 11,792 1,276 7,558
LUFKIN INDUSTRIES INCORPORATED COM 549764108 822 28,484 SH DEFINED 28,484
LUFKIN INDUSTRIES INCORPORATED COM 549764108 1,061 36,765 SH OTHER 36,765
M & T BK CORP COM 55261F104 359 4,190 SH DEFINED 4,190
MBNA CORP COM 55262L100 652 19,724 SH DEFINED 19,724
MBNA CORP COM 55262L100 233 7,054 SH OTHER 7,054
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 56 9,565 SH DEFINED 9,565
MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 4 600 SH OTHER 600
MANAGED MUNS PORTFOLIO INC COM 561662107 65 6,137 SH DEFINED 6,137
MANAGED MUNS PORTFOLIO INC COM 561662107 44 4,121 SH OTHER 4,121
MANULIFE FINL CORP COM 56501R106 217 7,599 SH DEFINED 7,599
MARATHON OIL CORP COM 565849106 1,643 60,583 SH DEFINED 58,463 2,120
MARATHON OIL CORP COM 565849106 108 3,983 SH OTHER 2,250 525 1,208
MARCONI PLC SPONSORED ADR 566306205 1 5,000 SH DEFINED 5,000
MARCONI PLC SPONSORED ADR 566306205 1 10,000 SH OTHER 10,000
MARSH & MCLENNAN COS INC COM 571748102 3,493 36,162 SH DEFINED 35,140 1,022
MARSH & MCLENNAN COS INC COM 571748102 374 3,875 SH OTHER 700 150 3,025
MARRIOTT INTL INC NEW CL A 571903202 5,187 136,321 SH DEFINED 95,466 40,855
MARRIOTT INTL INC NEW CL A 571903202 244 6,400 SH OTHER 1,100 5,300
MASCO CORP COM 574599106 252 9,280 SH DEFINED 8,550 730
MASCO CORP COM 574599106 526 19,400 SH OTHER 4,300 15,100
MAYTAG CORP COM 578592107 27,321 640,594 SH DEFINED 640,144 450
MAYTAG CORP COM 578592107 100 2,350 SH OTHER 2,000 350
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 925 35,928 SH DEFINED 35,928
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 46 1,776 SH OTHER 1,776
MCDONALDS CORP COM 580135101 13,839 486,440 SH DEFINED 479,460 6,980
MCDONALDS CORP COM 580135101 1,540 54,115 SH OTHER 49,915 4,200
MCGRAW-HILL COMPANIES INC NEW COM 580645109 1,311 21,954 SH DEFINED 21,554 400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 72 1,200 SH OTHER 1,200
MCKESSON CORPORATION COM 58155Q103 162 4,968 SH DEFINED 4,968
MCKESSON CORPORATION COM 58155Q103 111 3,383 SH OTHER 3,383
MEADWESTVACO CORP COM 583334107 875 26,072 SH DEFINED 23,246 2,826
MEADWESTVACO CORP COM 583334107 2,876 85,696 SH OTHER 33,544 52,152
MEDTRONIC INC COM 585055106 1,072 25,006 SH DEFINED 23,987 1,019
MEDTRONIC INC COM 585055106 694 16,200 SH OTHER 3,000 13,200
MELLON FINL CORP COM 58551A108 3,663 116,536 SH DEFINED 116,036 500
MELLON FINL CORP COM 58551A108 38 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 15,812 312,254 SH DEFINED 289,133 1,930 21,191
MERCK & CO INC COM 589331107 8,137 160,678 SH OTHER 121,677 4,734 34,267
MERIDIAN GOLD INC COM 589975101 2,568 160,000 SH DEFINED 160,000
MERRILL LYNCH & CO INC COM 590188108 301 7,442 SH DEFINED 7,442
MERRILL LYNCH & CO INC COM 590188108 14 350 SH OTHER 350
MICROSOFT CORP COM 594918104 17,358 317,327 SH DEFINED 286,307 3,022 27,998
MICROSOFT CORP COM 594918104 3,101 56,699 SH OTHER 42,057 1,964 12,678
MICROCHIP TECHNOLOGY INC COM 595017104 1,112 40,532 SH DEFINED 40,532
MICRON TECHNOLOGY INC COM 595112103 293 14,510 SH DEFINED 12,875 235 1,400
MICRON TECHNOLOGY INC COM 595112103 82 4,050 SH OTHER 3,500 250 300
MILLENNIUM PHARMACTCLS INC COM 599902103 730 60,100 SH DEFINED 60,000 100
MIRANT CORP COM 604675108 475 65,026 SH DEFINED 62,536 2,490
MIRANT CORP COM 604675108 155 21,190 SH OTHER 19,479 424 1,287
MOODYS CORP COM 615369105 345 6,935 SH DEFINED 6,935
MOODYS CORP COM 615369105 40 800 SH OTHER 800
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 8,293 192,496 SH DEFINED 181,369 11,127
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 468 10,868 SH OTHER 9,893 975
MOTOROLA INC COM 620076109 617 42,314 SH DEFINED 38,196 4,118
MOTOROLA INC COM 620076109 538 36,895 SH OTHER 29,145 7,750
MUNIHOLDINGS FD II INC COM 625935101 139 10,900 SH DEFINED 10,900
MUNIHOLDINGS INSD FD II INC COM 62625A102 130 10,000 SH DEFINED 10,000
MUNIHOLDINGS INSD FD II INC COM 62625A102 9 700 SH OTHER 700
MURPHY OIL CORP COM 626717102 1,620 19,639 SH DEFINED 19,149 490
MYLAN LABORATORIES INC COM 628530107 1,881 60,000 SH DEFINED 60,000
NABORS INDS INC COM 629568106 6,732 190,700 SH DEFINED 190,600 100
NABORS INDS INC COM 629568106 8 240 SH OTHER 240
NASDAQ 100 TR UNIT SER 1 631100104 6,924 265,269 SH DEFINED 264,769 500
NASDAQ 100 TR UNIT SER 1 631100104 123 4,705 SH OTHER 2,485 2,220
NATIONAL COMM FINL CORP COM 63545P104 3,234 122,955 SH DEFINED 122,955
NATIONAL COMM FINL CORP COM 63545P104 119 4,528 SH OTHER 4,360 168
NATIONAL-OILWELL INC COM 637071101 1,010 48,000 SH DEFINED 48,000
NETWORK APPLIANCE INC DELEWARE COM 64120L104 135 10,825 SH DEFINED 10,625 200
NETWORK APPLIANCE INC DELEWARE COM 64120L104 5 400 SH OTHER 400
NEW YORK TIMES CO CL A CL A 650111107 324 6,300 SH DEFINED 6,300
NEW YORK TIMES CO CL A CL A 650111107 15 300 SH OTHER 300
NEWELL RUBBERMAID INC COM 651229106 177 5,046 SH DEFINED 846 4,200
NEWELL RUBBERMAID INC COM 651229106 217 6,200 SH OTHER 6,200
NEWMONT MINING CORP (NEW) COM 651639106 21,602 820,441 SH DEFINED 815,581 1,660 3,200
NEWMONT MINING CORP (NEW) COM 651639106 325 12,348 SH OTHER 7,388 4,960
NOKIA CORP SPONSORED ADR 654902204 839 57,943 SH DEFINED 51,818 6,125
NOKIA CORP SPONSORED ADR 654902204 392 27,100 SH OTHER 8,100 19,000
NORFOLK SOUTHERN CORPORATION COM 655844108 493 21,066 SH DEFINED 19,908 1,158
NORFOLK SOUTHERN CORPORATION COM 655844108 488 20,859 SH OTHER 15,459 1,800 3,600
NORTH FORK BANCORP INC N Y COM 659424105 3,981 100,000 SH DEFINED 100,000
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 204 5,700 SH DEFINED 5,700
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 72 2,000 SH OTHER 2,000
NORTHROP GRUMMAN CORP COM 666807102 10,777 86,213 SH DEFINED 84,998 200 1,015
NORTHROP GRUMMAN CORP COM 666807102 226 1,811 SH OTHER 1,549 262
NOVELLUS SYS INC COM 670008101 1,760 51,750 SH DEFINED 51,450 300
NUCOR CORP COM 670346105 950 14,600 SH DEFINED 13,800 800
NUCOR CORP COM 670346105 104 1,600 SH OTHER 1,600
NVIDIA CORP COM 67066G104 515 30,000 SH DEFINED 30,000
NUVEEN DIVIDEND ADV MUNI 3 COM SH BEN INT 67070X101 282 20,000 SH DEFINED 20,000
NUVEEN INSD DIVID ADVANTAGE COM 67071L106 150 10,000 SH DEFINED 10,000
NUVEEN MUN VALUE FD INC COM 670928100 229 23,918 SH DEFINED 22,608 1,310
NUVEEN MUN VALUE FD INC COM 670928100 13 1,333 SH OTHER 1,333
NUVEEN TEX QUAL INCM MUN FD COM 670983105 767 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 627 20,896 SH DEFINED 20,646 250
OLD REPUBLIC INTL CORP COM 680223104 234 7,425 SH DEFINED 7,425
OLD REPUBLIC INTL CORP COM 680223104 10,268 325,960 SH OTHER 77,686 248,274
OMNICOM GROUP COM 681919106 55 1,200 SH DEFINED 1,200
OMNICOM GROUP COM 681919106 247 5,402 SH OTHER 5,402
ONEOK INC NEW COM 682680103 408 18,606 SH DEFINED 18,606
ORACLE CORPORATION COM 68389X105 2,884 304,540 SH DEFINED 288,120 900 15,520
ORACLE CORPORATION COM 68389X105 250 26,410 SH OTHER 23,250 3,160
OUTBACK STEAKHOUSE INC COM 689899102 1,486 42,350 SH DEFINED 42,350
PNC FINANCIAL SERVICES GROUP COM 693475105 698 13,360 SH DEFINED 12,875 485
PNC FINANCIAL SERVICES GROUP COM 693475105 74 1,410 SH OTHER 900 510
PPG INDUSTRIES INC COM 693506107 70 1,126 SH DEFINED 1,126
PPG INDUSTRIES INC COM 693506107 384 6,200 SH OTHER 5,800 400
PARKER HANNIFIN CORP COM 701094104 292 6,112 SH DEFINED 6,112
PENNEY J C INC COM 708160106 194 8,813 SH DEFINED 8,813
PENNEY J C INC COM 708160106 15 700 SH OTHER 700
PEOPLES BANCTRUST INC COM 709796106 5,457 405,100 SH DEFINED 405,100
PEOPLES BANCTRUST INC COM 709796106 66 4,928 SH OTHER 4,928
PEPSICO INC COM 713448108 23,882 495,478 SH DEFINED 482,395 450 12,633
PEPSICO INC COM 713448108 2,416 50,117 SH OTHER 28,457 6,044 15,616
PFIZER INC COM 717081103 28,298 808,506 SH DEFINED 761,092 700 46,714
PFIZER INC COM 717081103 5,263 150,377 SH OTHER 96,186 5,976 48,215
PHARMACIA CORP COM 71713U102 2,425 64,747 SH DEFINED 57,829 290 6,628
PHARMACIA CORP COM 71713U102 1,565 41,793 SH OTHER 27,173 2,770 11,850
PHELPS DODGE CORP COM 717265102 5,375 130,455 SH DEFINED 130,355 100
PHILIP MORRIS COS INC COM 718154107 22,756 520,973 SH DEFINED 511,485 900 8,588
PHILIP MORRIS COS INC COM 718154107 3,003 68,753 SH OTHER 59,501 7,550 1,702
PHILLIPS PETE CO COM 718507106 18,634 316,482 SH DEFINED 315,027 1,455
PHILLIPS PETE CO COM 718507106 150 2,550 SH OTHER 2,550
PIONEER NATURAL RESOURCES CO COM 723787107 1,211 46,500 SH DEFINED 46,500
PITNEY BOWES INC COM 724479100 1,381 34,771 SH DEFINED 31,975 2,796
PITNEY BOWES INC COM 724479100 441 11,100 SH OTHER 11,100
PLUM CREEK TIMBER CO INC COM 729251108 3,761 122,514 SH DEFINED 86,514 36,000
PLUM CREEK TIMBER CO INC COM 729251108 216 7,034 SH OTHER 5,984 1,050
PROASSURANCE CORP COM 74267C106 417 23,706 SH DEFINED 13,238 10,468
PROASSURANCE CORP COM 74267C106 29 1,633 SH OTHER 1,633
PROCTER & GAMBLE CO COM 742718109 26,501 296,769 SH DEFINED 281,108 530 15,131
PROCTER & GAMBLE CO COM 742718109 7,734 86,606 SH OTHER 55,426 4,720 26,460
PROGRESS ENERGY INC COM 743263105 919 17,663 SH DEFINED 17,413 250
PROGRESS ENERGY INC COM 743263105 152 2,922 SH OTHER 827 95 2,000
PROTECTIVE LIFE CORP COM 743674103 1,625 49,098 SH DEFINED 49,098
PROTECTIVE LIFE CORP COM 743674103 3,521 106,360 SH OTHER 105,004 700 656
PROVIDIAN FINL CORP COM 74406A102 6 985 SH DEFINED 985
PROVIDIAN FINL CORP COM 74406A102 175 29,680 SH OTHER 15,880 13,800
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 3,865 89,252 SH DEFINED 88,652 600
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 37 844 SH OTHER 94 750
PUTNAM INVT GRADE MUN TR COM 746805100 360 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 2,649 332,333 SH DEFINED 329,884 2,449
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 77 12,268 SH DEFINED 10,918 1,350
PUTNAM PREMIER INCOME TR SH BEN INT 746853100 10 1,600 SH OTHER 1,600
QUALCOMM INC COM 747525103 491 17,869 SH DEFINED 15,369 2,500
QUALCOMM INC COM 747525103 694 25,250 SH OTHER 4,900 1,600 18,750
QUEST DIAGNOSTICS INC COM 74834L100 2,926 34,000 SH DEFINED 34,000
QUESTAR CORP COM 748356102 300 12,150 SH DEFINED 12,050 100
QUESTAR CORP COM 748356102 25 1,000 SH OTHER 1,000
QWEST COMM INTL INC COM 749121109 40 14,141 SH DEFINED 12,603 1,538
QWEST COMM INTL INC COM 749121109 5 1,882 SH OTHER 882 1,000
RADIOSHACK CORP COM 750438103 20 659 SH DEFINED 559 100
RADIOSHACK CORP COM 750438103 204 6,800 SH OTHER 6,800
RAYTHEON CO (NEW) COM NEW 755111507 21,392 524,962 SH DEFINED 508,212 540 16,210
RAYTHEON CO (NEW) COM NEW 755111507 588 14,437 SH OTHER 10,252 1,900 2,285
REGIONS FINANCIAL CORP COM 758940100 102,923 2,928,108 SH DEFINED 2,479,303 9,995 438,810
REGIONS FINANCIAL CORP COM 758940100 60,131 1,710,711 SH OTHER 1,464,073 79,248 167,390
RELIANT ENERGY INC COM 75952J108 388 22,931 SH DEFINED 21,965 966
RELIANT ENERGY INC COM 75952J108 108 6,373 SH OTHER 847 4,028 1,498
ROCKWELL INTL CORP NEW COM 773903109 304 15,210 SH DEFINED 15,210
ROCKWELL INTL CORP NEW COM 773903109 34 1,714 SH OTHER 266 1,448
ROCKWELL COLLINS INC COM 774341101 425 15,510 SH DEFINED 15,510
ROCKWELL COLLINS INC COM 774341101 47 1,714 SH OTHER 266 1,448
ROSS STORES INC COM 778296103 2,445 60,000 SH DEFINED 60,000
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 3,257 58,930 SH DEFINED 58,430 300 200
ROYAL DUTCH PETROLEUM COMPANY NY REG GLD1.25 780257804 712 12,884 SH OTHER 9,884 2,000 1,000
RUBY TUESDAY INC COM 781182100 4,931 254,183 SH DEFINED 253,359 824
RUBY TUESDAY INC COM 781182100 1,459 75,228 SH OTHER 71,528 3,700
RUSSELL CORP COM 782352108 64 3,315 SH DEFINED 3,315
RUSSELL CORP COM 782352108 197 10,246 SH OTHER 950 9,296
SBC COMMUNICATIONS INC NEW COM 78387G103 5,100 167,204 SH DEFINED 153,089 450 13,665
SBC COMMUNICATIONS INC NEW COM 78387G103 1,791 58,718 SH OTHER 26,782 13,838 18,098
SPDR TR UNIT SER 1 78462F103 3,647 36,851 SH DEFINED 34,236 2,615
SPDR TR UNIT SER 1 78462F103 319 3,220 SH OTHER 2,520 700
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 273 12,010 SH DEFINED 12,010
SAFEWAY INC COM NEW 786514208 300 10,269 SH DEFINED 10,269
SAFEWAY INC COM NEW 786514208 7 225 SH OTHER 225
ST PAUL COS INC COM 792860108 329 8,446 SH DEFINED 8,446
ST PAUL COS INC COM 792860108 177 4,548 SH OTHER 4,548
SAKS INC COM 79377W108 355 27,666 SH DEFINED 27,666
SAKS INC COM 79377W108 2 132 SH OTHER 132
SANMINA CORP COM 800907107 34 5,446 SH DEFINED 4,392 1,054
SANMINA CORP COM 800907107 58 9,196 SH OTHER 8,652 544
SARA LEE CORP COM 803111103 684 33,145 SH DEFINED 31,945 1,200
SARA LEE CORP COM 803111103 357 17,309 SH OTHER 12,139 5,170
SCANA CORP NEW COM 80589M102 838 27,135 SH DEFINED 25,635 1,500
SCANA CORP NEW COM 80589M102 216 6,997 SH OTHER 6,897 100
SCHERING-PLOUGH CORP COM 806605101 2,570 104,457 SH DEFINED 95,567 8,890
SCHERING-PLOUGH CORP COM 806605101 648 26,357 SH OTHER 13,412 9,560 3,385
SCHLUMBERGER LTD COM 806857108 4,867 104,662 SH DEFINED 90,697 13,965
SCHLUMBERGER LTD COM 806857108 1,169 25,141 SH OTHER 14,491 300 10,350
SCHWAB CHARLES CORP NEW COM 808513105 2,515 224,550 SH DEFINED 224,550
SCHWAB CHARLES CORP NEW COM 808513105 2 200 SH OTHER 200
SCUDDER MUN INCOME TR COM SH BEN INT 81118R604 473 42,185 SH DEFINED 41,000 1,185
SEARS ROEBUCK & CO COM 812387108 838 15,442 SH DEFINED 15,192 250
SEARS ROEBUCK & CO COM 812387108 300 5,524 SH OTHER 4,733 791
SEMPRA ENERGY COM 816851109 233 10,515 SH DEFINED 10,515
SERVICEMASTER CO COM 81760N109 1,542 112,375 SH DEFINED 3,375 109,000
SHELL TRANS & TRADING PLC ADR NY SHS NEW 822703609 37 825 SH DEFINED 600 225
SHELL TRANS & TRADING PLC ADR NY SHS NEW 822703609 243 5,400 SH OTHER 5,400
SHERWIN WILLIAMS CO COM 824348106 76 2,549 SH DEFINED 2,049 500
SHERWIN WILLIAMS CO COM 824348106 124 4,150 SH OTHER 4,150
SIEBEL SYS INC COM 826170102 154 10,800 SH OTHER 10,800
SIMMONS FIRST NATIONAL CORP CL A $5 PAR 828730200 236 5,536 SH DEFINED 5,116 420
SIMMONS FIRST NATIONAL CORP CL A $5 PAR 828730200 21 500 SH OTHER 500
SIMON PPTY GROUP INC NEW (REIT) COM 828806109 118 3,215 SH DEFINED 3,215
SIMON PPTY GROUP INC NEW (REIT) COM 828806109 126 3,425 SH OTHER 3,425
SMITH INTL INC COM 832110100 4,139 60,700 SH DEFINED 60,500 200
SMITH INTL INC COM 832110100 3 50 SH OTHER 50
SMUCKER J M CO COM NEW 832696405 174 5,095 SH DEFINED 4,815 280
SMUCKER J M CO COM NEW 832696405 53 1,543 SH OTHER 1,203 340
SOLECTRON CORP COM 834182107 61 9,950 SH DEFINED 9,950
SOLECTRON CORP COM 834182107 52 8,509 SH OTHER 8,184 325
SONOCO PRODUCTS CO COM 835495102 98 3,462 SH DEFINED 3,462
SONOCO PRODUCTS CO COM 835495102 202 7,122 SH OTHER 7,122
SOUTHERN CO COM 842587107 7,383 269,437 SH DEFINED 254,047 300 15,090
SOUTHERN CO COM 842587107 2,599 94,852 SH OTHER 85,915 3,179 5,758
SOUTHSIDE BANCSHARES INC COM 84470P109 213 13,334 SH DEFINED 13,334
SOUTHTRUST CORP COM 844730101 5,726 219,232 SH DEFINED 197,828 870 20,534
SOUTHTRUST CORP COM 844730101 7,884 301,850 SH OTHER 252,404 49,446
SOUTHWEST AIRLINES CO COM 844741108 758 46,929 SH DEFINED 46,929
SOUTHWEST AIRLINES CO COM 844741108 140 8,687 SH OTHER 4,487 4,200
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 541 50,964 SH DEFINED 50,964
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 105 9,938 SH OTHER 9,802 136
SPRINT CORP PCS COM SER 1 852061506 116 26,028 SH DEFINED 26,028
SPRINT CORP PCS COM SER 1 852061506 16 3,582 SH OTHER 3,514 68
STATE STR CORP COM 857477103 340 7,604 SH DEFINED 7,604
STATE STR CORP COM 857477103 7 150 SH OTHER 150
STRYKER CORP COM 863667101 430 8,040 SH DEFINED 7,440 600
SUN MICROSYSTEMS INC COM 866810104 1,451 289,631 SH DEFINED 269,625 700 19,306
SUN MICROSYSTEMS INC COM 866810104 187 37,332 SH OTHER 21,677 6,190 9,465
SUNGARD DATA SYS INC COM 867363103 3,875 146,330 SH DEFINED 146,330
SUNGARD DATA SYS INC COM 867363103 19 700 SH OTHER 700
SUNTRUST BANKS INC COM 867914103 7,387 109,075 SH DEFINED 107,925 1,150
SUNTRUST BANKS INC COM 867914103 2,753 40,655 SH OTHER 15,746 24,909
SYNOVUS FINANCIAL CORP COM 87161C105 1,208 43,895 SH DEFINED 16,782 450 26,663
SYNOVUS FINANCIAL CORP COM 87161C105 3,041 110,505 SH OTHER 106,585 505 3,415
SYSCO CORP COM 871829107 1,943 71,395 SH DEFINED 69,862 1,533
SYSCO CORP COM 871829107 131 4,800 SH OTHER 4,000 800
TCF FINL CORP COM 872275102 3,437 70,000 SH DEFINED 70,000
TECO ENERGY INC COM 872375100 740 29,890 SH DEFINED 29,890
TECO ENERGY INC COM 872375100 35 1,400 SH OTHER 800 600
TEPPCO PARTNERS LP UT LTD PARTNER 872384102 436 13,600 SH DEFINED 13,600
TRW INC COM 872649108 99 1,740 SH DEFINED 1,740
TRW INC COM 872649108 239 4,198 SH OTHER 4,198
TXU CORP COM 873168108 9,072 175,984 SH DEFINED 166,364 9,620
TXU CORP COM 873168108 274 5,307 SH OTHER 3,501 1,150 656
TARGET CORP COM 87612E106 12,726 334,005 SH DEFINED 323,824 1,830 8,351
TARGET CORP COM 87612E106 805 21,118 SH OTHER 12,068 2,500 6,550
TELEFONICA S. A. SPONSORED ADR 879382208 331 13,326 SH DEFINED 13,326
TELEFONICA S. A. SPONSORED ADR 879382208 7 266 SH OTHER 266
TELEPHONE & DATA SYS INC COM 879433100 910 15,025 SH DEFINED 1,025 14,000
TELLABS INC COM 879664100 98 15,769 SH DEFINED 14,499 1,270
TELLABS INC COM 879664100 17 2,818 SH OTHER 1,650 743 425
TEXAS INSTRUMENTS INC COM 882508104 9,870 416,437 SH DEFINED 398,730 17,707
TEXAS INSTRUMENTS INC COM 882508104 833 35,147 SH OTHER 28,309 458 6,380
TEXTRON INC COM 883203101 361 7,700 SH OTHER 7,700
3M CO COM 88579Y101 3,052 24,813 SH DEFINED 24,229 584
3M CO COM 88579Y101 2,280 18,535 SH OTHER 14,321 150 4,064
TIMBERLAND CO CL A 887100105 860 24,000 SH DEFINED 24,000
TORCHMARK CORP COM 891027104 17,439 456,527 SH DEFINED 436,915 800 18,812
TORCHMARK CORP COM 891027104 9,775 255,900 SH OTHER 247,822 594 7,484
TRIZEC PROPERTIES INC (REITS) COM 89687P107 1,153 68,400 SH DEFINED 7,000 61,400
TYCO INTL LTD NEW COM 902124106 281 20,816 SH DEFINED 20,816
TYCO INTL LTD NEW COM 902124106 34 2,535 SH OTHER 1,874 661
UST INC COM 902911106 21,674 637,464 SH DEFINED 634,404 3,060
UST INC COM 902911106 105 3,075 SH OTHER 2,400 675
US BANCORP DEL COM NEW COM NEW 902973304 5,638 241,443 SH DEFINED 223,313 18,130
US BANCORP DEL COM NEW COM NEW 902973304 517 22,161 SH OTHER 21,077 634 450
UNION PACIFIC CORP COM 907818108 3,370 53,249 SH DEFINED 53,249
UNION PACIFIC CORP COM 907818108 284 4,481 SH OTHER 3,475 1,006
UNION PLANTERS CORP COM 908068109 2,961 91,472 SH DEFINED 90,887 585
UNION PLANTERS CORP COM 908068109 7,667 236,849 SH OTHER 50,250 186,599
UNITED PARCEL SVC INC CL B 911312106 59 950 SH DEFINED 850 100
UNITED PARCEL SVC INC CL B 911312106 346 5,600 SH OTHER 5,600
UNITED SEC BANCSHARES INC SHS 911459105 3,017 108,793 SH DEFINED 56,320 500 51,973
UNITED SEC BANCSHARES INC SHS 911459105 14 500 SH OTHER 500
UNITED TECHNOLOGIES CORP COM 913017109 1,268 18,671 SH DEFINED 18,611 60
UNITED TECHNOLOGIES CORP COM 913017109 609 8,964 SH OTHER 8,964
UNITEDHEALTH GROUP INC COM 91324P102 3,930 42,928 SH DEFINED 42,928
UNITEDHEALTH GROUP INC COM 91324P102 56 616 SH OTHER 416 200
UNOCAL CORP COM 915289102 4,573 123,799 SH DEFINED 123,799
UNOCAL CORP COM 915289102 37 1,000 SH OTHER 1,000
UNUMPROVIDENT CORP COM 91529Y106 347 13,623 SH DEFINED 13,623
UNUMPROVIDENT CORP COM 91529Y106 631 24,795 SH OTHER 17,681 7,114
V F CORP COM 918204108 2,708 69,054 SH DEFINED 66,576 150 2,328
VERIZON COMMUNICATIONS COM 92343V104 10,711 266,786 SH DEFINED 234,801 880 31,105
VERIZON COMMUNICATIONS COM 92343V104 2,966 73,867 SH OTHER 46,294 15,053 12,520
VIACOM INC CL A 925524100 2,343 52,700 SH DEFINED 52,200 500
VIACOM INC CL B 925524308 1,577 35,543 SH DEFINED 30,263 4,678 602
VIACOM INC CL B 925524308 63 1,419 SH OTHER 508 911
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 382 27,988 SH DEFINED 25,629 2,359
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 223 16,366 SH OTHER 4,130 5,910 6,326
VULCAN MATERIALS CO COM 929160109 12,262 279,946 SH DEFINED 278,398 1,548
VULCAN MATERIALS CO COM 929160109 5,784 132,047 SH OTHER 66,310 600 65,137
WACHOVIA CORP COM 929903102 11,218 293,829 SH DEFINED 286,569 1,210 6,050
WACHOVIA CORP COM 929903102 982 25,709 SH OTHER 17,827 3,520 4,362
WADDELL & REED FINL INC CL A CL A 930059100 384 16,760 SH DEFINED 16,760
WADDELL & REED FINL INC CL A CL A 930059100 2,315 100,995 SH OTHER 98,772 266 1,957
WAL MART STORES INC COM 931142103 30,734 558,694 SH DEFINED 532,504 80 26,110
WAL MART STORES INC COM 931142103 5,778 105,037 SH OTHER 84,605 4,750 15,682
WALGREEN CO COM 931422109 3,733 96,642 SH DEFINED 85,842 10,800
WALGREEN CO COM 931422109 104 2,700 SH OTHER 1,300 1,200 200
WASHINGTON MUTUAL INC COM 939322103 981 26,440 SH DEFINED 15,100 11,340
WASHINGTON MUTUAL INC COM 939322103 141 3,789 SH OTHER 3,789
WASTE MANAGEMENT COM COM 94106L109 1,389 53,337 SH DEFINED 997 52,340
WEATHERFORD INTL INC NEW COM 947074100 2,657 61,500 SH DEFINED 61,500
WELLS FARGO & CO NEW COM 949746101 10,770 215,144 SH DEFINED 211,749 3,395
WELLS FARGO & CO NEW COM 949746101 1,163 23,227 SH OTHER 13,481 8,496 1,250
WESTAMERICA BANCORPORATION COM 957090103 2,743 70,000 SH DEFINED 70,000
WEYERHAEUSER CO COM 962166104 6,504 101,866 SH DEFINED 100,075 116 1,675
WEYERHAEUSER CO COM 962166104 173 2,704 SH OTHER 1,704 1,000
WILLIAMS COS INC COM 969457100 35 5,798 SH DEFINED 5,350 448
WILLIAMS COS INC COM 969457100 27 4,575 SH OTHER 3,750 500 325
WILMINGTON TR CORP COM 971807102 2,471 81,000 SH DEFINED 81,000
WISCONSIN ENERGY CORP COM 976657106 435 17,203 SH DEFINED 16,203 1,000
WISCONSIN ENERGY CORP COM 976657106 26 1,010 SH OTHER 1,010
WORLDCOM INC/WORLDCOM GROUP WRLDCOM GP COM 98157D106 40 48,480 SH DEFINED 23,128 25,352
WORLDCOM INC/WORLDCOM GROUP WRLDCOM GP COM 98157D106 42 50,228 SH OTHER 39,778 10,450
WRIGLEY WM JR CO COM 982526105 3,107 56,142 SH DEFINED 56,142
WRIGLEY WM JR CO COM 982526105 675 12,200 SH OTHER 12,200
WYETH COM 983024100 20,797 406,196 SH DEFINED 375,680 1,420 29,096
WYETH COM 983024100 5,293 103,385 SH OTHER 87,778 5,190 10,417
XCEL ENERGY INC COM 98389B100 159 9,460 SH DEFINED 9,390 70
XCEL ENERGY INC COM 98389B100 12 702 SH OTHER 470 232
XEROX CORP COM 984121103 98 14,100 SH DEFINED 14,000 100
XEROX CORP COM 984121103 16 2,300 SH OTHER 2,300
YUM BRANDS INC WHEN ISSUED 988498101 1,722 58,884 SH DEFINED 8,348 50,536
YUM BRANDS INC WHEN ISSUED 988498101 20 700 SH OTHER 700
ZIMMER HLDGS INC COM 98956P102 393 11,014 SH DEFINED 10,814 200
ZIMMER HLDGS INC COM 98956P102 153 4,291 SH OTHER 3,910 381