UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: March 31, 2003
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 Comptroller
Phone: 205/326-7090
Signature, Place, and Date of Signing:
/s/Ronald C. Jackson Birmingham, Alabama May 14, 2003
[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: 743
Form 13F Information Table Value Total: $2,005,857(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 11 18,036 SH DEFINED 18,036
GLOBALSANTAFE CORPORATION SHS G3930E101 1,962 95,023 SH DEFINED 91,723 2,050 1,250
GLOBALSANTAFE CORPORATION SHS G3930E101 323 15,660 SH OTHER 4,100 6,160 5,400
INGERSOLL-RAND COMPANY LTD CL A G4776G101 8,770 227,255 SH DEFINED 223,665 3,590
INGERSOLL-RAND COMPANY LTD CL A G4776G101 258 6,684 SH OTHER 5,825 859
NABORS INDUSTRIES LTD SHS G6359F103 214 5,369 SH DEFINED 2,676 2,693
NABORS INDUSTRIES LTD SHS G6359F103 10 240 SH OTHER 240
TRANSOCEAN INC ORD G90078109 110 5,378 SH DEFINED 5,328 50
TRANSOCEAN INC ORD G90078109 218 10,641 SH OTHER 483 58 10,100
XL CAPITAL LTD CL A G98255105 217 3,102 SH DEFINED 362 2,740
FLEXTRONICS INTL ADR ORD Y2573F102 10,391 1,191,608 SH DEFINED 1,184,758 6,850
FLEXTRONICS INTL ADR ORD Y2573F102 96 11,000 SH OTHER 11,000
AFLAC INC COM 001055102 6,450 201,262 SH DEFINED 196,050 200 5,012
AFLAC INC COM 001055102 1,401 43,715 SH OTHER 36,295 3,090 4,330
AGL RES INC COM 001204106 42 1,760 SH DEFINED 1,760
AGL RES INC COM 001204106 347 14,672 SH OTHER 11,700 2,972
AOL TIME WARNER INC COM 00184A105 356 32,797 SH DEFINED 18,050 14,747
AOL TIME WARNER INC COM 00184A105 76 7,031 SH OTHER 6,506 525
AT&T CORP COM NEW 001957505 164 10,093 SH DEFINED 9,522 571
AT&T CORP COM NEW 001957505 88 5,418 SH OTHER 2,727 1,628 1,063
AT & T WIRELESS SERVICES INC COM 00209A106 115 17,361 SH DEFINED 16,792 569
AT & T WIRELESS SERVICES INC COM 00209A106 32 4,839 SH OTHER 3,829 721 289
ABBOTT LABORATORIES COM 002824100 14,774 392,818 SH DEFINED 389,378 3,440
ABBOTT LABORATORIES COM 002824100 864 22,960 SH OTHER 7,585 9,795 5,580
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 22,494 749,054 SH DEFINED 745,720 3,334
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 183 6,100 SH OTHER 4,100 2,000
ABERDEEN ASIA PAC PRIME INC COM 003009107 54 11,000 SH DEFINED 11,000
ABERDEEN ASIA PAC PRIME INC COM 003009107 123 25,000 SH OTHER 25,000
AEGON N V ADR ORD AMER REG 007924103 180 23,809 SH DEFINED 23,679 130
AEGON N V ADR ORD AMER REG 007924103 170 22,533 SH OTHER 14,241 7,992 300
AFFILIATED COMPUTER SVCS INC CL A 008190100 2,912 65,801 SH DEFINED 64,323 1,478
AFFILIATED COMPUTER SVCS INC CL A 008190100 12 268 SH OTHER 268
AIR PRODUCTS & CHEMICALS INC COM 009158106 121 2,927 SH DEFINED 2,927
AIR PRODUCTS & CHEMICALS INC COM 009158106 208 5,032 SH OTHER 4,032 1,000
ALABAMA NATL BANCORPORATION DEL COM 010317105 395 9,625 SH DEFINED 9,625
ALABAMA NATL BANCORPORATION DEL COM 010317105 21 500 SH OTHER 500
ALBERTSONS INC COM 013104104 266 14,105 SH DEFINED 4,815 8,600 690
ALBERTSONS INC COM 013104104 18 970 SH OTHER 170 800
ALCOA INC COM 013817101 2,105 108,595 SH DEFINED 107,865 730
ALCOA INC COM 013817101 159 8,225 SH OTHER 7,640 425 160
ALCATEL ADR SPONSORED ADR 013904305 82 11,965 SH DEFINED 11,165 800
ALFA CORP COM 015385107 465 40,008 SH DEFINED 40,008
ALFA CORP COM 015385107 16 1,396 SH OTHER 1,396
ALLSTATE CORP COM 020002101 2,262 68,192 SH DEFINED 58,124 2,748 7,320
ALLSTATE CORP COM 020002101 368 11,097 SH OTHER 8,503 2,374 220
ALLTEL CORP COM 020039103 926 20,687 SH DEFINED 19,532 1,155
ALLTEL CORP COM 020039103 293 6,535 SH OTHER 6,035 500
ALTRIA GROUP INC COM 02209S103 4,209 140,473 SH DEFINED 132,758 590 7,125
ALTRIA GROUP INC COM 02209S103 2,000 66,748 SH OTHER 53,786 11,510 1,452
AMERICAN EAGLE OUTFITTERS IN COM 02553E106 4,065 280,000 SH DEFINED 280,000
AMERICAN ELECTRIC POWER INC COM 025537101 277 12,104 SH DEFINED 11,204 900
AMERICAN ELECTRIC POWER INC COM 025537101 9 377 SH OTHER 120 257
AMERICAN EXPRESS CO COM 025816109 12,510 376,465 SH DEFINED 364,036 12,429
AMERICAN EXPRESS CO COM 025816109 1,494 44,959 SH OTHER 39,142 3,985 1,832
AMERICAN INTL GROUP INC COM 026874107 10,965 221,576 SH DEFINED 202,829 730 18,017
AMERICAN INTL GROUP INC COM 026874107 2,248 45,467 SH OTHER 17,724 6,322 21,421
AMGEN INC COM 031162100 15,474 268,875 SH DEFINED 263,827 1,580 3,468
AMGEN INC COM 031162100 1,111 19,298 SH OTHER 8,593 1,883 8,822
AMSOUTH BANCORPORATION COM 032165102 9,190 462,264 SH DEFINED 426,779 35,485
AMSOUTH BANCORPORATION COM 032165102 6,859 345,000 SH OTHER 242,775 13,164 89,061
ANADARKO PETE CORP COM 032511107 1,320 29,009 SH DEFINED 28,369 640
ANADARKO PETE CORP COM 032511107 70 1,537 SH OTHER 1,347 190
ANHEUSER BUSCH COS INC COM 035229103 12,669 271,806 SH DEFINED 270,555 1,251
ANHEUSER BUSCH COS INC COM 035229103 573 12,299 SH OTHER 6,658 3,070 2,571
AON CORP COM 037389103 983 47,550 SH DEFINED 550 47,000
APACHE CORP COM 037411105 4,482 72,600 SH DEFINED 70,899 292 1,409
APACHE CORP COM 037411105 147 2,380 SH OTHER 2,330 50
APPLEBEES INTL INC COM 037899101 1,130 40,315 SH DEFINED 40,315
APPLIED MATLS INC COM 038222105 15,484 1,230,870 SH DEFINED 1,190,331 40,539
APPLIED MATLS INC COM 038222105 294 23,340 SH OTHER 20,340 3,000
ARCHER DANIELS MIDLAND CO COM 039483102 451 41,719 SH DEFINED 40,469 1,250
ARCHER DANIELS MIDLAND CO COM 039483102 42 3,903 SH OTHER 2,153 700 1,050
ASTRAZENECA PLC SPONSORED ADR 046353108 216 6,290 SH DEFINED 5,800 490
ATLANTIC COAST AIR HLDGS INC COM 048396105 994 160,000 SH DEFINED 160,000
AUBURN NATIONAL BANCORPORATION COM 050473107 143 10,800 SH DEFINED 10,800
AUBURN NATIONAL BANCORPORATION COM 050473107 325 24,450 SH OTHER 24,450
AUTOMATIC DATA PROCESSING INC COM 053015103 1,038 33,713 SH DEFINED 27,354 6,359
AUTOMATIC DATA PROCESSING INC COM 053015103 257 8,347 SH OTHER 3,830 2,375 2,142
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 13 11,542 SH OTHER 11,542
AVERY DENNISON CORP COM 053611109 254 4,334 SH DEFINED 4,334
AVERY DENNISON CORP COM 053611109 59 1,000 SH OTHER 1,000
AVOCENT CORP COM 053893103 10,036 430,000 SH DEFINED 430,000
AVON PRODS INC COM 054303102 207 3,635 SH DEFINED 2,061 1,574
AVON PRODS INC COM 054303102 293 5,136 SH OTHER 5,136
BISYS GROUP INC COM 055472104 1,142 70,000 SH DEFINED 70,000
BJ SVCS CO COM 055482103 708 20,573 SH DEFINED 20,542 31
BP PLC ADR SPONSORED ADR 055622104 12,200 316,133 SH DEFINED 309,767 6,366
BP PLC ADR SPONSORED ADR 055622104 2,865 74,232 SH OTHER 61,221 10,452 2,559
BMC SOFTWARE INC COM 055921100 287 19,047 SH DEFINED 17,547 1,500
BMC SOFTWARE INC COM 055921100 8 500 SH OTHER 500
BANCO BILBAO VIZCAYA S.A. ADR SPONSORED ADR 05946K101 104 12,445 SH DEFINED 11,635 810
BANCO BILBAO VIZCAYA S.A. ADR SPONSORED ADR 05946K101 2 290 SH OTHER 290
BANCORPSOUTH INC COM 059692103 56 3,064 SH DEFINED 3,064
BANCORPSOUTH INC COM 059692103 184 10,000 SH OTHER 10,000
BANCTRUST FINANCIAL GP COM 05978R107 322 22,355 SH DEFINED 22,355
BANK AMER CORP COM 060505104 15,859 237,272 SH DEFINED 233,210 4,062
BANK AMER CORP COM 060505104 20,522 307,033 SH OTHER 298,514 6,790 1,729
BANK NEW YORK INC COM 064057102 810 39,497 SH DEFINED 37,097 2,400
BANK NEW YORK INC COM 064057102 77 3,780 SH OTHER 1,200 2,580
BANK ONE CORP COM 06423A103 288 8,313 SH DEFINED 7,847 466
BANK ONE CORP COM 06423A103 290 8,363 SH OTHER 6,363 2,000
BANKNORTH GROUP INC COM 06646R107 890 40,800 SH DEFINED 40,800
BARRICK GOLD CORP ADR COM 067901108 802 51,520 SH DEFINED 47,530 440 3,550
BARRICK GOLD CORP ADR COM 067901108 61 3,900 SH OTHER 490 3,410
BARR LABS INC COM 068306109 252 4,416 SH DEFINED 1,884 2,532
BARR LABS INC COM 068306109 10 172 SH OTHER 172
BAXTER INTERNATIONAL INC COM 071813109 398 21,372 SH DEFINED 20,572 800
BAXTER INTERNATIONAL INC COM 071813109 284 15,240 SH OTHER 13,160 2,080
BEAR STEARNS COS INC COM 073902108 187 2,844 SH DEFINED 2,763 81
BEAR STEARNS COS INC COM 073902108 77 1,177 SH OTHER 1,177
BECTON DICKINSON & CO COM 075887109 511 14,850 SH DEFINED 14,350 500
BECTON DICKINSON & CO COM 075887109 35 1,008 SH OTHER 1,008
BED BATH & BEYOND INC COM 075896100 4,790 138,668 SH DEFINED 134,196 4,472
BED BATH & BEYOND INC COM 075896100 72 2,073 SH OTHER 1,450 200 423
BELLSOUTH CORP COM 079860102 5,371 247,861 SH DEFINED 230,839 450 16,572
BELLSOUTH CORP COM 079860102 2,671 123,245 SH OTHER 73,256 31,198 18,791
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,978 31 SH DEFINED 23 8
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,404 22 SH OTHER 2 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 3,387 1,585 SH DEFINED 1,502 5 78
BERKSHIRE HATHAWAY INC DEL CL B 084670207 752 352 SH OTHER 336 13 3
BEST BUY INC COM 086516101 13,544 502,175 SH DEFINED 500,350 1,825
BEST BUY INC COM 086516101 256 9,480 SH OTHER 9,300 180
BIOCRYST PHARMACEUTICALS INC COM 09058V103 2 1,500 SH DEFINED 1,500
BIOCRYST PHARMACEUTICALS INC COM 09058V103 166 109,054 SH OTHER 1,000 108,054
BIOGEN INC COM 090597105 194 6,464 SH DEFINED 6,402 62
BIOGEN INC COM 090597105 35 1,171 SH OTHER 1,171
BLACKROCK INSD MUN TERM TR INC COM 092474105 277 25,000 SH DEFINED 25,000
BLACKROCK INSD MUN INCOME TR COM 092479104 272 19,500 SH DEFINED 19,500
BLACKROCK MUNICIPAL BOND TR COM 09249H104 209 15,000 SH DEFINED 15,000
BLOCK H & R INC COM 093671105 272 6,365 SH DEFINED 5,376 989
BLOCK H & R INC COM 093671105 213 4,980 SH OTHER 4,800 180
BLOUNT INTL INC NEW COM 095180105 269 41,851 SH OTHER 41,851
BOEING CO COM 097023105 5,151 205,546 SH DEFINED 204,507 1,039
BOEING CO COM 097023105 302 12,053 SH OTHER 9,313 1,400 1,340
BRINKER INTL INC COM 109641100 1,844 60,470 SH DEFINED 60,421 49
BRISTOL MYERS SQUIBB CO COM 110122108 13,085 619,281 SH DEFINED 584,161 1,630 33,490
BRISTOL MYERS SQUIBB CO COM 110122108 2,846 134,670 SH OTHER 101,754 31,153 1,763
BROWN & BROWN INC COM 115236101 1,290 41,200 SH DEFINED 41,200
BUCKEYE PARTNERS LP UNITS UNIT LTD PARTN 118230101 252 7,000 SH DEFINED 6,400 600
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 2,492 100,061 SH DEFINED 98,337 1,424 300
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 45 1,825 SH OTHER 400 1,425
BURLINGTON RESOURCES INC COM 122014103 7,767 162,807 SH DEFINED 157,894 2,520 2,393
BURLINGTON RESOURCES INC COM 122014103 365 7,650 SH OTHER 3,610 4,040
CIGNA CORP COM 125509109 960 21,000 SH DEFINED 21,000
CIGNA CORP COM 125509109 100 2,196 SH OTHER 2,196
CSX CORP COM 126408103 187 6,548 SH DEFINED 6,548
CSX CORP COM 126408103 58 2,020 SH OTHER 1,620 400
CVS CORPORATION (DEL) COM 126650100 6,662 279,344 SH DEFINED 276,484 2,860
CVS CORPORATION (DEL) COM 126650100 126 5,294 SH OTHER 4,422 602 270
CABOT MICROELECTRONICS CORP COM 12709P103 2,994 71,393 SH DEFINED 70,424 969
CAMPBELL SOUP CO COM 134429109 168 8,000 SH DEFINED 8,000
CAMPBELL SOUP CO COM 134429109 145 6,900 SH OTHER 6,300 600
CARDINAL HEALTH INC COM 14149Y108 6,529 114,600 SH DEFINED 112,377 410 1,813
CARDINAL HEALTH INC COM 14149Y108 345 6,049 SH OTHER 4,015 1,666 368
CATERPILLAR INC COM 149123101 8,680 176,413 SH DEFINED 174,967 1,446
CATERPILLAR INC COM 149123101 328 6,668 SH OTHER 3,768 2,900
CEDAR FAIR L P DEPOSITRY UNIT 150185106 374 15,000 SH DEFINED 6,000 9,000
CENDANT CORP COM 151313103 140 11,045 SH DEFINED 11,045
CENTERPOINT ENERGY INC COM 15189T107 73 10,405 SH DEFINED 9,188 1,217
CENTERPOINT ENERGY INC COM 15189T107 48 6,824 SH OTHER 400 6,424
CENTURYTEL INC COM 156700106 6,933 251,197 SH DEFINED 16,748 234,449
CENTURYTEL INC COM 156700106 22 800 SH OTHER 800
CHEVRONTEXACO CORP COM 166764100 14,559 225,200 SH DEFINED 212,217 3,710 9,273
CHEVRONTEXACO CORP COM 166764100 3,465 53,593 SH OTHER 31,761 19,822 2,010
CHICOS FAS INC COM 168615102 4,400 220,000 SH DEFINED 220,000
CINERGY CORP COM 172474108 144 4,287 SH DEFINED 2,787 1,500
CINERGY CORP COM 172474108 399 11,850 SH OTHER 5,850 6,000
CISCO SYS INC COM 17275R102 14,857 1,144,328 SH DEFINED 1,112,722 1,450 30,156
CISCO SYS INC COM 17275R102 1,052 81,016 SH OTHER 52,433 27,417 1,166
CITIGROUP INC COM 172967101 19,401 563,176 SH DEFINED 549,444 13,732
CITIGROUP INC COM 172967101 3,934 114,206 SH OTHER 98,637 7,138 8,431
CLEAR CHANNEL COMMUNICATIONS COM 184502102 9,600 283,020 SH DEFINED 267,415 15,605
CLEAR CHANNEL COMMUNICATIONS COM 184502102 203 5,995 SH OTHER 5,815 140 40
CLOROX CO COM 189054109 2,408 52,152 SH DEFINED 38,679 1,433 12,040
CLOROX CO COM 189054109 410 8,889 SH OTHER 5,494 3,230 165
COCA COLA CO COM 191216100 30,491 753,247 SH DEFINED 594,493 158,754
COCA COLA CO COM 191216100 33,457 826,504 SH OTHER 773,700 41,894 10,910
COCA COLA ENTERPRISES INC COM 191219104 4,094 219,060 SH OTHER 219,060
COLGATE PALMOLIVE CO COM 194162103 6,154 113,050 SH DEFINED 110,115 2,935
COLGATE PALMOLIVE CO COM 194162103 15,186 278,944 SH OTHER 266,078 2,800 10,066
COLONIAL BANCGROUP INC COM 195493309 121 10,758 SH DEFINED 10,758
COLONIAL BANCGROUP INC COM 195493309 55 4,888 SH OTHER 4,888
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 68 2,050 SH DEFINED 2,050
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 279 8,425 SH OTHER 8,425
COMCAST CORP NEW CL A CL A 20030N101 745 26,049 SH DEFINED 23,865 2,184
COMCAST CORP NEW CL A CL A 20030N101 320 11,198 SH OTHER 6,845 2,634 1,719
COMCAST CORP NEW CL A SPL 20030N200 11,953 434,662 SH DEFINED 370,608 64,054
COMCAST CORP NEW CL A SPL 20030N200 474 17,255 SH OTHER 14,950 2,000 305
COMPASS BANCSHARES, INC. COM 20449H109 1,811 57,927 SH DEFINED 57,927
COMPASS BANCSHARES, INC. COM 20449H109 3,832 122,548 SH OTHER 107,013 15,535
CONAGRA FOODS INC COM COM 205887102 1,448 72,130 SH DEFINED 65,180 6,950
CONAGRA FOODS INC COM COM 205887102 478 23,812 SH OTHER 23,412 400
CONEXANT SYS INC COM 207142100 17 11,610 SH DEFINED 11,610
CONEXANT SYS INC COM 207142100 2 1,448 SH OTHER 1,448
CONOCO/PHILLIPS COM 20825C104 8,516 158,887 SH DEFINED 157,184 1,703
CONOCO/PHILLIPS COM 20825C104 463 8,638 SH OTHER 8,362 276
CONSOLIDATED EDISON INC COM 209115104 143 3,711 SH DEFINED 3,711
CONSOLIDATED EDISON INC COM 209115104 113 2,950 SH OTHER 2,950
COOPER CAMERON CORP COM 216640102 966 19,509 SH DEFINED 18,605 904
COOPER CAMERON CORP COM 216640102 21 425 SH OTHER 425
COSTCO WHSL CORP COM 22160K105 542 18,055 SH DEFINED 12,400 5,655
COSTCO WHSL CORP COM 22160K105 183 6,095 SH OTHER 400 5,695
COX COMMUNICATIONS INC NEW CL A 224044107 26,205 842,349 SH DEFINED 841,469 880
CYPRESS SEMICONDUCTOR CORP COM 232806109 690 100,000 SH DEFINED 100,000
DNP SELECT INCOME FD COM 23325P104 471 47,425 SH DEFINED 47,225 200
DNP SELECT INCOME FD COM 23325P104 186 18,780 SH OTHER 18,780
DTE ENERGY CO COM 233331107 196 5,063 SH DEFINED 5,063
DTE ENERGY CO COM 233331107 28 725 SH OTHER 675 50
DEERE & CO COM 244199105 151 3,850 SH DEFINED 3,850
DEERE & CO COM 244199105 94 2,400 SH OTHER 2,400
DEL MONTE FOODS CO COM 24522P103 130 17,406 SH DEFINED 17,005 401
DEL MONTE FOODS CO COM 24522P103 27 3,631 SH OTHER 3,231 400
DELL COMPUTER CORP COM 247025109 6,535 239,290 SH DEFINED 220,147 19,143
DELL COMPUTER CORP COM 247025109 721 26,393 SH OTHER 22,721 2,615 1,057
DELPHI CORP COM 247126105 1,101 161,261 SH DEFINED 159,853 1,408
DELPHI CORP COM 247126105 33 4,787 SH OTHER 3,540 1,247
DELTA AIR LINES INC COM 247361108 80 8,965 SH DEFINED 8,865 100
DELTA AIR LINES INC COM 247361108 24 2,688 SH OTHER 2,688
DELTIC TIMBER CORP COM 247850100 1,602 67,028 SH DEFINED 67,028
DEUTSCHE TELEKOM AG SPONSORED ADR 251566105 159 14,431 SH DEFINED 13,481 950
DEVON ENERGY CORPORATION NEW COM 25179M103 1,462 30,325 SH DEFINED 30,125 200
DIAL CORP NEW COM COM 25247D101 756 38,991 SH DEFINED 38,348 543 100
DIAL CORP NEW COM COM 25247D101 120 6,211 SH OTHER 4,476 1,735
DIEBOLD INC COM 253651103 236 6,945 SH DEFINED 6,369 576
DILLARDS INC CL A 254067101 65 5,000 SH DEFINED 3,969 1,031
DILLARDS INC CL A 254067101 65 5,000 SH OTHER 5,000
WALT DISNEY COMPANY COM DISNEY 254687106 2,754 161,809 SH DEFINED 96,574 1,060 64,175
WALT DISNEY COMPANY COM DISNEY 254687106 987 58,014 SH OTHER 17,582 22,102 18,330
DOLLAR TREE STORES INC COM 256747106 2,390 120,119 SH DEFINED 120,079 40
DOMINION RES INC VA NEW COM 25746U109 705 12,726 SH DEFINED 12,051 675
DOMINION RES INC VA NEW COM 25746U109 32 580 SH OTHER 300 100 180
DOVER CORP COM 260003108 317 13,071 SH DEFINED 6,871 6,200
DOVER CORP COM 260003108 91 3,745 SH OTHER 3,041 704
DOW CHEM CO COM COM 260543103 736 26,643 SH DEFINED 26,143 500
DOW CHEM CO COM COM 260543103 305 11,062 SH OTHER 3,458 4,750 2,854
DREYFUS STRATEGIC MUNS INC COM 261932107 478 50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 33 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 443 51,548 SH DEFINED 51,548
DU PONT E I DE NEMOURS & CO COM 263534109 14,382 370,104 SH DEFINED 354,159 550 15,395
DU PONT E I DE NEMOURS & CO COM 263534109 2,587 66,572 SH OTHER 48,931 7,371 10,270
DUKE ENERGY CORP COM 264399106 2,255 155,094 SH DEFINED 130,771 24,323
DUKE ENERGY CORP COM 264399106 302 20,749 SH OTHER 17,714 2,775 260
DURECT CORP COM 266605104 70 50,281 SH OTHER 50,281
E M C CORP MASS COM 268648102 4,925 682,245 SH DEFINED 663,802 18,443
E M C CORP MASS COM 268648102 272 37,669 SH OTHER 28,095 9,374 200
E TRADE GROUP INC COM 269246104 2,611 620,250 SH DEFINED 620,250
E TRADE GROUP INC COM 269246104 2 550 SH OTHER 300 250
EASTMAN CHEM CO COM 277432100 189 6,536 SH DEFINED 6,536
EASTMAN CHEM CO COM 277432100 21 740 SH OTHER 443 297
EASTMAN KODAK CO COM 277461109 185 6,258 SH DEFINED 5,048 1,210
EASTMAN KODAK CO COM 277461109 41 1,385 SH OTHER 860 300 225
EATON CORP COM 278058102 254 3,632 SH DEFINED 3,460 172
EATON VANCE MUNI INCOME TR FD SH BEN INT 27826U108 479 33,332 SH DEFINED 33,332
EL PASO CORP COM 28336L109 69 11,398 SH DEFINED 10,648 750
EL PASO CORP COM 28336L109 38 6,229 SH OTHER 5,229 1,000
ELECTRONIC ARTS COM 285512109 276 4,700 SH OTHER 4,700
ELECTRONIC DATA SYS CORP NEW COM 285661104 7,423 421,777 SH DEFINED 390,597 5,390 25,790
ELECTRONIC DATA SYS CORP NEW COM 285661104 697 39,618 SH OTHER 24,178 15,040 400
EMERSON ELECTRIC CO COM 291011104 5,458 120,359 SH DEFINED 117,971 2,388
EMERSON ELECTRIC CO COM 291011104 468 10,325 SH OTHER 7,325 1,800 1,200
ENERGEN CORP COM 29265N108 243 7,584 SH DEFINED 7,165 419
ENERGEN CORP COM 29265N108 226 7,050 SH OTHER 5,400 1,650
ENERGYSOUTH INC COM 292970100 1,473 55,672 SH DEFINED 54,498 1,174
ENERGYSOUTH INC COM 292970100 79 3,000 SH OTHER 3,000
THE ENSTAR GROUP INC COM 29358R107 881 23,902 SH DEFINED 23,902
ENTERASYS NETWORKS INC COM 293637104 46 24,777 SH DEFINED 8,120 16,657
ENTERGY CORP COM 29364G103 291 6,041 SH DEFINED 3,553 2,488
ENTERGY CORP COM 29364G103 73 1,520 SH OTHER 100 1,000 420
EXELON CORP COM 30161N101 543 10,775 SH DEFINED 9,596 1,179
EXELON CORP COM 30161N101 102 2,019 SH OTHER 1,107 757 155
EXPRESS SCRIPTS INC COM 302182100 5,584 100,245 SH DEFINED 100,000 245
EXXON MOBIL CORP COM 30231G102 44,113 1,262,177 SH DEFINED 1,175,418 5,078 81,681
EXXON MOBIL CORP COM 30231G102 14,914 426,724 SH OTHER 345,188 67,939 13,597
FPL GROUP INC COM 302571104 2,687 45,600 SH DEFINED 44,752 848
FPL GROUP INC COM 302571104 200 3,400 SH OTHER 2,300 700 400
FAIRCHILD SEMICONDUCTOR INTL CL A 303726103 1,255 120,000 SH DEFINED 120,000
FAMILY DOLLAR STORES INC COM 307000109 6,562 212,510 SH DEFINED 210,137 2,373
FAMILY DOLLAR STORES INC COM 307000109 75 2,420 SH OTHER 1,790 630
FREDDIE MAC COM 313400301 1,365 26,006 SH DEFINED 23,314 2,692
FREDDIE MAC COM 313400301 204 3,837 SH OTHER 3,300 537
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 8,170 125,017 SH DEFINED 119,434 5,583
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 931 14,240 SH OTHER 9,250 4,000 990
FEDEX CORP COM 31428X106 11,164 202,717 SH DEFINED 159,840 42,877
FEDEX CORP COM 31428X106 484 8,789 SH OTHER 8,789
FIRST DATA CORP COM 319963104 5,292 142,991 SH DEFINED 123,605 19,386
FIRST DATA CORP COM 319963104 204 5,500 SH OTHER 4,104 400 996
FIRST HEALTH GROUP CORP COM 320960107 1,281 50,346 SH DEFINED 50,050 296
FIRST TENNESSEE NATIONAL CORP COM 337162101 1,131 28,470 SH DEFINED 17,993 10,477
FIRST TENNESSEE NATIONAL CORP COM 337162101 152 3,825 SH OTHER 1,800 1,800 225
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 771 19,650 SH OTHER 19,650
FIRSTENERGY CORP COM 337932107 254 8,056 SH DEFINED 8,056
FIRSTENERGY CORP COM 337932107 6 190 SH OTHER 190
FLEETBOSTON FINL CORP COM 339030108 513 21,494 SH DEFINED 19,673 1,821
FLEETBOSTON FINL CORP COM 339030108 55 2,302 SH OTHER 2,302
FLEMING COMPANIES INC COM 339130106 8 16,350 SH DEFINED 16,350
FLORIDA ROCK INDS INC COM 341140101 367 10,854 SH DEFINED 6,937 2,374 1,543
FLORIDA ROCK INDS INC COM 341140101 36 1,057 SH OTHER 1,057
FOOT LOCKER INC COM 344849104 132 12,330 SH DEFINED 12,330
FORD MTR CO DEL COM PAR $0.01 345370860 151 20,124 SH DEFINED 17,036 3,088
FORD MTR CO DEL COM PAR $0.01 345370860 108 14,368 SH OTHER 8,770 5,598
FOREST LABS INC COM 345838106 14,844 275,043 SH DEFINED 272,105 2,938
FOREST LABS INC COM 345838106 306 5,678 SH OTHER 5,400 278
FORTUNE BRANDS INC COM 349631101 668 15,585 SH DEFINED 15,585
FORTUNE BRANDS INC COM 349631101 109 2,550 SH OTHER 2,550
FRANKLIN RES INC COM 354613101 4,933 149,903 SH DEFINED 148,703 1,200
FRONTIER AIRLINES COM 359065109 2,982 600,000 SH DEFINED 600,000
GALLAGHER ARTHUR J & CO COM 363576109 9,279 377,955 SH DEFINED 375,550 2,405
GALLAGHER ARTHUR J & CO COM 363576109 10 400 SH OTHER 400
GALLAHER GROUP PLC SPONSORED ADR 363595109 363 9,472 SH DEFINED 9,472
GALLAHER GROUP PLC SPONSORED ADR 363595109 46 1,200 SH OTHER 1,200
GANNETT INC COM 364730101 1,505 21,363 SH DEFINED 18,123 600 2,640
GANNETT INC COM 364730101 1,253 17,788 SH OTHER 11,532 1,696 4,560
GAP INC COM 364760108 14,744 1,017,559 SH DEFINED 1,012,509 5,050
GAP INC COM 364760108 216 14,890 SH OTHER 10,890 4,000
GENERAL DYNAMICS CORP COM 369550108 1,426 25,889 SH DEFINED 24,679 1,210
GENERAL DYNAMICS CORP COM 369550108 17 300 SH OTHER 100 200
GENERAL ELECTRIC CO COM 369604103 44,911 1,761,503 SH DEFINED 1,706,136 550 54,817
GENERAL ELECTRIC CO COM 369604103 14,296 560,629 SH OTHER 484,639 67,384 8,606
GENERAL MILLS INC COM 370334104 3,087 67,782 SH DEFINED 65,631 2,151
GENERAL MILLS INC COM 370334104 610 13,389 SH OTHER 10,999 2,190 200
GENERAL MOTORS CORP COM 370442105 6,941 206,468 SH DEFINED 183,477 22,991
GENERAL MOTORS CORP COM 370442105 437 12,999 SH OTHER 11,559 1,440
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 1,118 99,847 SH DEFINED 4,068 95,779
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 17 1,524 SH OTHER 1,518 6
GENUINE PARTS CO COM 372460105 1,218 39,936 SH DEFINED 34,646 790 4,500
GENUINE PARTS CO COM 372460105 673 22,066 SH OTHER 19,116 2,950
GEORGIA PAC CORP (GA PAC GR) COM 373298108 1,371 98,661 SH DEFINED 98,661
GEORGIA PAC CORP (GA PAC GR) COM 373298108 6 400 SH OTHER 400
GILEAD SCIENCES INC COM 375558103 4,199 100,000 SH DEFINED 100,000
GILLETTE CO COM 375766102 8,609 278,239 SH DEFINED 257,464 20,775
GILLETTE CO COM 375766102 1,847 59,695 SH OTHER 38,115 8,280 13,300
GLAXO SMITHKLINE SPONSORED ADR 37733W105 314 8,926 SH DEFINED 7,851 1,075
GLAXO SMITHKLINE SPONSORED ADR 37733W105 122 3,455 SH OTHER 1,650 1,805
GOODRICH CORP COM 382388106 406 28,850 SH DEFINED 26,200 2,650
GOODRICH CORP COM 382388106 14 1,000 SH OTHER 1,000
GRAY TELEVISION INC CL A 389375205 298 28,130 SH OTHER 28,130
HCA-INC COM 404119109 1,398 33,799 SH DEFINED 32,236 1,563
HCA-INC COM 404119109 17 405 SH OTHER 200 205
HCB BANCSHARES INC COM 40413N106 3,392 196,625 SH DEFINED 196,625
HARLEY DAVIDSON INC COM 412822108 218 5,485 SH DEFINED 5,350 135
HARLEY DAVIDSON INC COM 412822108 1 20 SH OTHER 20
HEALTHSOUTH CORP COM 421924101 2 30,910 SH DEFINED 29,910 1,000
HEALTHSOUTH CORP COM 421924101 500 SH OTHER 500
HEINZ H J CO COM 423074103 1,392 47,680 SH DEFINED 46,780 900
HEINZ H J CO COM 423074103 257 8,795 SH OTHER 7,895 900
HERSHEY FOODS CORP COM 427866108 247 3,935 SH DEFINED 3,935
HERSHEY FOODS CORP COM 427866108 357 5,700 SH OTHER 4,600 1,100
HEWLETT PACKARD CO COM 428236103 3,965 255,007 SH DEFINED 249,070 5,937
HEWLETT PACKARD CO COM 428236103 706 45,385 SH OTHER 39,835 2,675 2,875
HIBERNIA CORP CL A 428656102 529 31,198 SH DEFINED 28,141 3,057
HILTON HOTELS COM 432848109 1,090 93,859 SH DEFINED 5,785 88,074
HOME DEPOT INC COM 437076102 3,970 162,937 SH DEFINED 144,942 17,995
HOME DEPOT INC COM 437076102 809 33,205 SH OTHER 24,155 3,400 5,650
HONEYWELL INTERNATIONAL INC COM 438516106 580 27,173 SH DEFINED 23,733 3,440
HONEYWELL INTERNATIONAL INC COM 438516106 236 11,041 SH OTHER 1,875 9,166
HOUSEHOLD INTERNATIONAL CORP COM 441815107 120 4,238 SH DEFINED 4,238
HOUSEHOLD INTERNATIONAL CORP COM 441815107 196 6,927 SH OTHER 6,927
IDEC PHARMACEUTICALS CORP COM 449370105 1,711 50,000 SH DEFINED 50,000
ILLINOIS TOOL WKS INC COM 452308109 264 4,548 SH DEFINED 4,248 300
INTEL CORP COM 458140100 26,565 1,631,121 SH DEFINED 1,564,397 1,870 64,854
INTEL CORP COM 458140100 3,523 216,379 SH OTHER 173,818 38,621 3,940
INTNL BUSINESS MACHINES CORP COM 459200101 12,412 158,258 SH DEFINED 137,373 20,885
INTNL BUSINESS MACHINES CORP COM 459200101 3,789 48,306 SH OTHER 37,302 9,999 1,005
INTL FLAVORS & FRAGRANCES INC COM 459506101 106 3,406 SH DEFINED 2,908 498
INTL FLAVORS & FRAGRANCES INC COM 459506101 100 3,201 SH OTHER 2,901 300
INTERNATIONAL GAME TECHNOLOGY COM 459902102 15,596 190,433 SH DEFINED 189,621 812
INTERNATIONAL PAPER CO COM 460146103 6,064 179,398 SH DEFINED 177,673 1,725
INTERNATIONAL PAPER CO COM 460146103 1,109 32,815 SH OTHER 31,519 1,196 100
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 838 60,000 SH DEFINED 60,000
ISHARES TR S&P SMLCP VALU 464287879 113 1,700 SH DEFINED 1,700
ISHARES TR S&P SMLCP VALU 464287879 100 1,500 SH OTHER 1,500
JP MORGAN CHASE & CO COM 46625H100 2,192 91,892 SH DEFINED 84,157 7,735
JP MORGAN CHASE & CO COM 46625H100 732 30,862 SH OTHER 25,127 5,735
JANUS CAP GROUP INC COM 47102X105 4,591 403,116 SH DEFINED 403,116
JANUS CAP GROUP INC COM 47102X105 2 169 SH OTHER 169
JEFFERSON PILOT CORP COM 475070108 7,557 196,400 SH DEFINED 181,538 14,862
JEFFERSON PILOT CORP COM 475070108 3,693 95,975 SH OTHER 55,662 6,463 33,850
JOHNSON & JOHNSON COM 478160104 32,746 565,854 SH DEFINED 549,088 16,766
JOHNSON & JOHNSON COM 478160104 5,393 93,195 SH OTHER 63,395 16,760 13,040
KLA - TENCOR CORPORATION COM 482480100 6,345 176,526 SH DEFINED 174,662 1,864
KLA - TENCOR CORPORATION COM 482480100 144 4,000 SH OTHER 4,000
KELLOGG CO COM 487836108 521 17,000 SH DEFINED 15,800 1,200
KELLOGG CO COM 487836108 368 12,000 SH OTHER 10,400 1,600
KEYCORP NEW COM 493267108 3,358 148,841 SH DEFINED 145,546 3,295
KEYCORP NEW COM 493267108 118 5,250 SH OTHER 4,150 800 300
KIMBERLY CLARK CORP COM 494368103 4,215 92,709 SH DEFINED 89,247 3,462
KIMBERLY CLARK CORP COM 494368103 1,923 42,296 SH OTHER 35,280 5,856 1,160
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 384 10,368 SH DEFINED 9,020 1,348
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 19 525 SH OTHER 525
KNIGHT RIDDER INC COM 499040103 1,837 31,410 SH DEFINED 4,312 27,098
KOHLS CORP COM 500255104 214 3,790 SH DEFINED 3,165 625
KOHLS CORP COM 500255104 225 3,975 SH OTHER 250 3,725
KONINKLIJKE PHILIPS ELECTRS NY REG SH NEW 500472303 268 17,220 SH DEFINED 700 16,520
KRAFT FOODS INC CL A 50075N104 1,537 54,495 SH DEFINED 50,885 3,610
KRAFT FOODS INC CL A 50075N104 82 2,895 SH OTHER 2,140 295 460
LAM RESEARCH CORP COM 512807108 4,795 421,000 SH DEFINED 421,000
LEGGETT & PLATT INC COM 524660107 981 53,677 SH DEFINED 53,677
LEGG MASON INC COM 524901105 6,824 140,000 SH DEFINED 140,000
LEHMAN BROS HLDGS INC COM 524908100 1,535 26,583 SH DEFINED 25,983 600
LEHMAN BROS HLDGS INC COM 524908100 84 1,454 SH OTHER 1,240 214
LILLY ELI & CO COM 532457108 12,533 219,293 SH DEFINED 209,951 9,342
LILLY ELI & CO COM 532457108 1,536 26,882 SH OTHER 19,812 2,200 4,870
LIMITED BRANDS INC COM 532716107 120 9,343 SH DEFINED 8,943 400
LIMITED BRANDS INC COM 532716107 17 1,300 SH OTHER 1,300
LINCARE HLDGS INC COM 532791100 1,228 40,000 SH DEFINED 40,000
LINCOLN NATIONAL CORP IND COM 534187109 319 11,410 SH DEFINED 11,110 300
LINCOLN NATIONAL CORP IND COM 534187109 69 2,469 SH OTHER 2,219 250
LIZ CLAIBORNE INC COM 539320101 5,407 174,878 SH DEFINED 172,853 2,025
LIZ CLAIBORNE INC COM 539320101 58 1,880 SH OTHER 1,400 480
LOCKHEED MARTIN CORP COM 539830109 984 20,689 SH DEFINED 20,344 345
LOCKHEED MARTIN CORP COM 539830109 293 6,167 SH OTHER 5,617 550
LOEWS CORP COM 540424108 30 755 SH DEFINED 645 110
LOEWS CORP COM 540424108 717 18,000 SH OTHER 18,000
LOUISIANA PACIFIC CORP COM 546347105 757 95,464 SH DEFINED 95,189 275
LOWES COS INC COM 548661107 9,001 220,496 SH DEFINED 216,689 3,807
LOWES COS INC COM 548661107 385 9,424 SH OTHER 7,990 1,434
LUCENT TECHNOLOGIES INC COM 549463107 53 36,082 SH DEFINED 30,494 5,588
LUCENT TECHNOLOGIES INC COM 549463107 26 17,363 SH OTHER 10,432 6,731 200
LUFKIN INDUSTRIES INCORPORATED COM 549764108 536 27,984 SH DEFINED 27,984
LUFKIN INDUSTRIES INCORPORATED COM 549764108 704 36,765 SH OTHER 36,765
MBNA CORP COM 55262L100 480 31,886 SH DEFINED 31,025 861
MBNA CORP COM 55262L100 11 701 SH OTHER 420 281
MANULIFE FINL CORP ADR COM 56501R106 615 25,691 SH DEFINED 9,871 15,820
MARATHON OIL CORP COM 565849106 1,989 82,993 SH DEFINED 82,123 870
MARATHON OIL CORP COM 565849106 100 4,187 SH OTHER 2,540 915 732
MARSH & MCLENNAN COS INC COM 571748102 8,196 192,254 SH DEFINED 190,159 2,095
MARSH & MCLENNAN COS INC COM 571748102 436 10,230 SH OTHER 2,300 900 7,030
MARRIOTT INTL INC NEW CL A 571903202 2,213 69,584 SH DEFINED 30,921 38,663
MARRIOTT INTL INC NEW CL A 571903202 309 9,700 SH OTHER 1,100 1,100 7,500
MASCO CORP COM 574599106 198 10,633 SH DEFINED 9,823 810
MASCO CORP COM 574599106 365 19,590 SH OTHER 4,300 15,290
MATSUSHITA ELEC INDL LTD ADR 576879209 95 11,120 SH DEFINED 9,980 1,140
MATSUSHITA ELEC INDL LTD ADR 576879209 3 410 SH OTHER 410
MAYTAG CORP COM 578592107 12,052 633,320 SH DEFINED 633,320
MAYTAG CORP COM 578592107 38 2,000 SH OTHER 2,000
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 867 35,928 SH DEFINED 35,928
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 43 1,776 SH OTHER 1,776
MCDONALDS CORP COM 580135101 968 66,975 SH DEFINED 65,638 1,337
MCDONALDS CORP COM 580135101 511 35,325 SH OTHER 30,715 2,600 2,010
MCGRAW-HILL COMPANIES INC NEW COM 580645109 665 11,954 SH DEFINED 11,254 700
MCGRAW-HILL COMPANIES INC NEW COM 580645109 67 1,200 SH OTHER 1,200
MCKESSON CORPORATION COM 58155Q103 152 6,093 SH DEFINED 5,118 975
MCKESSON CORPORATION COM 58155Q103 87 3,508 SH OTHER 3,383 125
MEADWESTVACO CORP COM 583334107 285 12,529 SH DEFINED 10,348 2,181
MEADWESTVACO CORP COM 583334107 1,811 79,488 SH OTHER 26,594 3,240 49,654
MEDIMMUNE INC COM 584699102 8,229 250,661 SH DEFINED 249,399 1,140 122
MEDIMMUNE INC COM 584699102 150 4,570 SH OTHER 1,150 3,420
MEDTRONIC INC COM 585055106 7,944 176,143 SH DEFINED 166,281 9,862
MEDTRONIC INC COM 585055106 1,462 32,402 SH OTHER 11,850 7,800 12,752
MELLON FINL CORP COM 58551A108 1,753 82,436 SH DEFINED 82,436
MELLON FINL CORP COM 58551A108 26 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 25,855 471,988 SH DEFINED 454,553 1,830 15,605
MERCK & CO INC COM 589331107 7,889 144,017 SH OTHER 101,670 17,257 25,090
MERRILL LYNCH & CO INC COM 590188108 7,406 209,205 SH DEFINED 208,125 1,080
MERRILL LYNCH & CO INC COM 590188108 4 100 SH OTHER 100
METLIFE INC COM 59156R108 198 7,507 SH DEFINED 6,022 1,485
METLIFE INC COM 59156R108 13 488 SH OTHER 213 275
MICROSOFT CORP COM 594918104 33,542 1,385,054 SH DEFINED 1,321,428 5,794 57,832
MICROSOFT CORP COM 594918104 3,671 151,632 SH OTHER 102,926 19,506 29,200
MICROCHIP TECHNOLOGY INC COM 595017104 2,985 150,025 SH DEFINED 150,025
MIDCAP SPDR TR UNIT SER 1 595635103 221 2,962 SH DEFINED 1,800 1,162
MILLENNIUM PHARMACTCLS INC COM 599902103 2,358 300,000 SH DEFINED 300,000
MIRANT CORP COM 604675108 54 33,851 SH DEFINED 32,889 962
MIRANT CORP COM 604675108 18 11,170 SH OTHER 10,382 788
MITSUBISHI TOKYO FINL GROUP SPONSORED ADR 606816106 61 16,335 SH DEFINED 15,295 1,040
MOODYS CORP COM 615369105 321 6,935 SH DEFINED 6,935
MOODYS CORP COM 615369105 37 800 SH OTHER 800
MORGAN STANLEY COM NEW 617446448 20,451 533,274 SH DEFINED 514,954 18,320
MORGAN STANLEY COM NEW 617446448 486 12,665 SH OTHER 12,210 225 230
MOTOROLA INC COM 620076109 1,157 140,033 SH DEFINED 108,318 31,715
MOTOROLA INC COM 620076109 327 39,620 SH OTHER 31,500 6,650 1,470
MURPHY OIL CORP COM 626717102 1,625 36,799 SH DEFINED 36,799
MYLAN LABORATORIES INC COM 628530107 6,827 237,464 SH DEFINED 235,406 2,058
MYLAN LABORATORIES INC COM 628530107 38 1,322 SH OTHER 1,000 322
NASDAQ 100 TR UNIT SER 1 631100104 22,413 887,658 SH DEFINED 885,484 2,174
NASDAQ 100 TR UNIT SER 1 631100104 74 2,920 SH OTHER 700 1,220 1,000
NATIONAL CITY CORP COM 635405103 218 7,816 SH DEFINED 7,516 300
NATIONAL CITY CORP COM 635405103 58 2,090 SH OTHER 2,000 90
NATIONAL COMM FINL CORP COM 63545P104 2,204 92,990 SH DEFINED 85,572 7,418
NATIONAL COMM FINL CORP COM 63545P104 120 5,043 SH OTHER 4,360 168 515
NETWORK APPLIANCE INC DELEWARE COM 64120L104 235 21,023 SH DEFINED 18,333 2,690
NETWORK APPLIANCE INC DELEWARE COM 64120L104 8 730 SH OTHER 730
NEW YORK TIMES CO CL A CL A 650111107 267 6,182 SH DEFINED 6,124 58
NEWELL RUBBERMAID INC COM 651229106 27 958 SH DEFINED 768 190
NEWELL RUBBERMAID INC COM 651229106 306 10,800 SH OTHER 800 10,000
NEWMONT MINING CORP (NEW) COM 651639106 9,835 376,106 SH DEFINED 365,266 4,740 6,100
NEWMONT MINING CORP (NEW) COM 651639106 392 14,998 SH OTHER 8,498 6,500
NIKE INC CL B CL B 654106103 6,499 126,385 SH DEFINED 126,385
NIKE INC CL B CL B 654106103 57 1,100 SH OTHER 800 300
NOKIA CORP SPONSORED ADR 654902204 813 58,048 SH DEFINED 55,257 2,791
NOKIA CORP SPONSORED ADR 654902204 534 38,123 SH OTHER 2,200 200 35,723
NORFOLK SOUTHERN CORPORATION COM 655844108 385 20,765 SH DEFINED 20,590 175
NORFOLK SOUTHERN CORPORATION COM 655844108 403 21,714 SH OTHER 15,459 6,255
NORTEL NETWORKS CORP NEW ADR COM 656568102 93 44,557 SH DEFINED 40,367 4,190
NORTEL NETWORKS CORP NEW ADR COM 656568102 4 2,000 SH OTHER 2,000
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 226 5,900 SH DEFINED 4,700 1,200
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 57 1,500 SH OTHER 1,500
NORTHROP GRUMMAN CORP COM 666807102 3,788 44,144 SH DEFINED 38,254 590 5,300
NORTHROP GRUMMAN CORP COM 666807102 558 6,499 SH OTHER 3,109 880 2,510
NOVELLUS SYS INC COM 670008101 8,551 313,562 SH DEFINED 313,027 535
NOVELLUS SYS INC COM 670008101 19 700 SH OTHER 700
NUCOR CORP COM 670346105 381 9,985 SH DEFINED 2,985 7,000
NUCOR CORP COM 670346105 61 1,600 SH OTHER 1,600
NVIDIA CORP COM 67066G104 5,318 412,885 SH DEFINED 412,585 300
NVIDIA CORP COM 67066G104 103 8,000 SH OTHER 8,000
NUVEEN DIVIDEND ADV MUNI 3 COM SH BEN INT 67070X101 278 20,000 SH DEFINED 20,000
NUVEEN INSD DIVID ADVANTAGE COM 67071L106 151 10,000 SH DEFINED 10,000
NUVEEN MUN VALUE FD INC COM 670928100 209 22,761 SH DEFINED 22,761
NUVEEN MUN VALUE FD INC COM 670928100 12 1,333 SH OTHER 1,333
NUVEEN TEX QUAL INCM MUN FD COM 670983105 747 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 7,020 234,306 SH DEFINED 232,981 1,325
OCCIDENTAL PETE CORP COM 674599105 7 240 SH OTHER 240
OFFICE DEPOT INC COM 676220106 102 8,620 SH DEFINED 5,000 3,620
OFFICE DEPOT INC COM 676220106 25 2,100 SH OTHER 1,350 750
OLD REPUBLIC INTL CORP COM 680223104 281 10,509 SH DEFINED 8,920 1,589
OLD REPUBLIC INTL CORP COM 680223104 8,572 320,446 SH OTHER 72,186 248,000 260
OMNICOM GROUP COM 681919106 119 2,180 SH DEFINED 335 1,845
OMNICOM GROUP COM 681919106 246 4,550 SH OTHER 4,500 50
ORACLE CORPORATION COM 68389X105 8,774 808,786 SH DEFINED 789,456 4,940 14,390
ORACLE CORPORATION COM 68389X105 438 40,405 SH OTHER 24,080 15,310 1,015
OUTBACK STEAKHOUSE INC COM 689899102 4,361 123,250 SH DEFINED 123,250
PNC FINANCIAL SERVICES GROUP COM 693475105 536 12,640 SH DEFINED 12,640
PNC FINANCIAL SERVICES GROUP COM 693475105 60 1,410 SH OTHER 900 510
PPG INDUSTRIES INC COM 693506107 105 2,326 SH DEFINED 2,326
PPG INDUSTRIES INC COM 693506107 171 3,800 SH OTHER 3,400 400
PACCAR INC COM 693718108 166 3,300 SH DEFINED 3,000 300
PACCAR INC COM 693718108 61 1,206 SH OTHER 1,206
PARKER HANNIFIN CORP COM 701094104 259 6,692 SH DEFINED 6,312 380
PARKER HANNIFIN CORP COM 701094104 5 120 SH OTHER 120
PATTERSON DENTAL CO COM 703412106 3,220 70,098 SH DEFINED 70,000 98
PEOPLES BANCTRUST INC COM 709796106 5,817 389,100 SH DEFINED 389,100
PEPSICO INC COM 713448108 21,703 542,631 SH DEFINED 523,128 4,025 15,478
PEPSICO INC COM 713448108 2,710 67,749 SH OTHER 41,332 17,395 9,022
PFIZER INC COM 717081103 37,862 1,215,084 SH DEFINED 1,157,302 2,550 55,232
PFIZER INC COM 717081103 5,358 171,954 SH OTHER 108,268 42,827 20,859
PHARMACIA CORP COM 71713U102 3,571 82,443 SH DEFINED 77,357 2,360 2,726
PHARMACIA CORP COM 71713U102 1,447 33,425 SH OTHER 21,480 4,370 7,575
PIER 1 IMPORTS INC COM 720279108 2,857 180,136 SH DEFINED 180,000 136
PIMCO MUN INCOME FD II COM 72200W106 287 20,000 SH DEFINED 20,000
PIMCO MUN INCOME FD III COM 72201A103 278 19,500 SH DEFINED 19,500
PIONEER NATURAL RESOURCES CO COM 723787107 1,054 42,000 SH DEFINED 42,000
PITNEY BOWES INC COM 724479100 1,091 34,171 SH DEFINED 31,375 2,796
PITNEY BOWES INC COM 724479100 354 11,100 SH OTHER 11,100
PLUM CREEK TIMBER CO INC COM 729251108 2,085 96,560 SH DEFINED 90,560 6,000
PLUM CREEK TIMBER CO INC COM 729251108 144 6,684 SH OTHER 5,634 1,050
PRAXAIR INC COM 74005P104 205 3,633 SH DEFINED 2,533 1,100
PRAXAIR INC COM 74005P104 115 2,040 SH OTHER 300 1,740
PROASSURANCE CORP COM 74267C106 435 18,499 SH DEFINED 15,647 2,852
PROASSURANCE CORP COM 74267C106 38 1,633 SH OTHER 1,633
PROCTER & GAMBLE CO COM 742718109 19,759 221,888 SH DEFINED 216,869 560 4,459
PROCTER & GAMBLE CO COM 742718109 7,694 86,396 SH OTHER 57,136 11,793 17,467
PROGRESS ENERGY INC COM 743263105 684 17,468 SH DEFINED 17,468
PROGRESS ENERGY INC COM 743263105 114 2,922 SH OTHER 827 2,095
PROGRESSIVE CORP OHIO COM 743315103 239 4,035 SH DEFINED 3,812 223
PROGRESSIVE CORP OHIO COM 743315103 11 188 SH OTHER 188
PROTECTIVE LIFE CORP COM 743674103 1,349 47,265 SH DEFINED 47,265
PROTECTIVE LIFE CORP COM 743674103 5,489 192,257 SH OTHER 190,965 1,292
PROVIDIAN FINL CORP COM 74406A102 195 29,680 SH OTHER 15,880 13,800
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 218 5,952 SH DEFINED 5,102 850
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 119 3,244 SH OTHER 94 3,150
PUTNAM INVT GRADE MUN TR COM 746805100 338 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 2,511 330,884 SH DEFINED 330,884
QUALCOMM INC COM 747525103 562 15,609 SH DEFINED 14,856 753
QUALCOMM INC COM 747525103 688 19,105 SH OTHER 4,890 5,050 9,165
QUEST DIAGNOSTICS INC COM 74834L100 215 3,594 SH DEFINED 2,645 949
QUEST DIAGNOSTICS INC COM 74834L100 7 115 SH OTHER 115
QUESTAR CORP COM 748356102 389 13,150 SH DEFINED 13,150
QWEST COMM INTL INC COM 749121109 30 8,711 SH DEFINED 8,002 709
QWEST COMM INTL INC COM 749121109 6 1,655 SH OTHER 655 1,000
RF MICRO DEVICES INC COM 749941100 1,442 240,000 SH DEFINED 240,000
RAYTHEON CO (NEW) COM NEW 755111507 3,453 121,704 SH DEFINED 104,776 16,928
RAYTHEON CO (NEW) COM NEW 755111507 454 16,015 SH OTHER 13,462 2,028 525
REGIONS FINANCIAL CORP COM 758940100 86,033 2,655,332 SH DEFINED 2,291,973 2,495 360,864
REGIONS FINANCIAL CORP COM 758940100 49,105 1,515,584 SH OTHER 1,376,743 47,277 91,564
RELIANT RES INC COM 75952B105 30 8,489 SH DEFINED 7,237 1,252
RELIANT RES INC COM 75952B105 16 4,432 SH OTHER 315 4,117
ROCKWELL AUTOMATION INC COM 773903109 260 12,560 SH DEFINED 11,510 1,050
ROCKWELL AUTOMATION INC COM 773903109 31 1,494 SH OTHER 266 1,228
ROCKWELL COLLINS INC COM 774341101 219 11,910 SH DEFINED 11,910
ROCKWELL COLLINS INC COM 774341101 27 1,494 SH OTHER 266 1,228
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 2,395 58,773 SH DEFINED 58,338 435
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 475 11,664 SH OTHER 9,664 2,000
RUBY TUESDAY INC COM 781182100 5,948 291,587 SH DEFINED 291,587
RUBY TUESDAY INC COM 781182100 174 8,528 SH OTHER 5,528 3,000
SBC COMMUNICATIONS INC NEW COM 78387G103 7,554 376,564 SH DEFINED 361,779 1,940 12,845
SBC COMMUNICATIONS INC NEW COM 78387G103 1,144 57,010 SH OTHER 19,825 24,784 12,401
SPDR TR UNIT SER 1 78462F103 13,103 154,621 SH DEFINED 144,886 5,830 3,905
SPDR TR UNIT SER 1 78462F103 920 10,860 SH OTHER 4,560 6,300
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 253 12,010 SH DEFINED 12,010
ST PAUL COS INC COM 792860108 234 7,351 SH DEFINED 7,351
ST PAUL COS INC COM 792860108 145 4,548 SH OTHER 4,548
SAKS INC COM 79377W108 173 22,446 SH DEFINED 22,446
SAKS INC COM 79377W108 1 132 SH OTHER 132
SANMINA CORP COM 800907107 17 4,258 SH DEFINED 4,258
SANMINA CORP COM 800907107 37 9,196 SH OTHER 8,652 544
SARA LEE CORP COM 803111103 513 27,440 SH DEFINED 25,440 2,000
SARA LEE CORP COM 803111103 324 17,309 SH OTHER 12,139 5,170
SCANA CORP NEW COM 80589M102 788 26,327 SH DEFINED 26,327
SCANA CORP NEW COM 80589M102 209 6,997 SH OTHER 6,897 100
SCHERING-PLOUGH CORP COM 806605101 1,245 69,690 SH DEFINED 53,080 16,610
SCHERING-PLOUGH CORP COM 806605101 434 24,360 SH OTHER 12,600 11,760
SCHLUMBERGER LTD ADR COM 806857108 4,016 105,657 SH DEFINED 93,657 12,000
SCHLUMBERGER LTD ADR COM 806857108 1,019 26,801 SH OTHER 14,151 2,450 10,200
SCHWAB CHARLES CORP NEW COM 808513105 3,860 534,573 SH DEFINED 534,271 302
SCHWAB CHARLES CORP NEW COM 808513105 3 421 SH OTHER 421
SCUDDER MUN INCOME TR COM SH BEN INT 81118R604 484 41,000 SH DEFINED 41,000
SEARS ROEBUCK & CO COM 812387108 188 7,767 SH DEFINED 7,767
SEARS ROEBUCK & CO COM 812387108 109 4,509 SH OTHER 4,509
SEPRACOR INC COM 817315104 4,333 320,000 SH DEFINED 320,000
SERVICEMASTER CO COM 81760N109 987 98,680 SH DEFINED 3,375 95,305
SHERWIN WILLIAMS CO COM 824348106 125 4,749 SH DEFINED 3,139 1,610
SHERWIN WILLIAMS CO COM 824348106 117 4,420 SH OTHER 4,150 270
SICOR INC COM 825846108 3,340 200,000 SH DEFINED 200,000
SIEBEL SYS INC COM 826170102 1,966 245,408 SH DEFINED 244,904 504
SIEBEL SYS INC COM 826170102 2 219 SH OTHER 119 100
SKYWEST INC COM 830879102 1,657 160,395 SH DEFINED 160,000 395
SKYWORKS SOLUTIONS INC COM 83088M102 77 12,359 SH DEFINED 7,940 4,419
SKYWORKS SOLUTIONS INC COM 83088M102 3 507 SH OTHER 507
SMITH INTL INC COM 832110100 2,163 61,400 SH DEFINED 61,400
SMITH INTL INC COM 832110100 4 100 SH OTHER 100
SONOCO PRODUCTS CO COM 835495102 72 3,462 SH DEFINED 3,462
SONOCO PRODUCTS CO COM 835495102 141 6,720 SH OTHER 6,720
SOUTHERN CO COM 842587107 7,609 267,554 SH DEFINED 255,640 700 11,214
SOUTHERN CO COM 842587107 2,503 88,012 SH OTHER 79,747 6,904 1,361
SOUTHSIDE BANCSHARES INC COM 84470P109 227 14,092 SH DEFINED 14,092
SOUTHTRUST CORP COM 844730101 5,750 225,216 SH DEFINED 222,262 2,954
SOUTHTRUST CORP COM 844730101 6,702 262,502 SH OTHER 207,504 42,930 12,068
SOUTHWEST AIRLINES CO COM 844741108 4,469 311,245 SH DEFINED 310,822 423
SOUTHWEST AIRLINES CO COM 844741108 92 6,413 SH OTHER 3,263 1,150 2,000
SOUTHWESTERN ENERGY CO COM 845467109 236 18,040 SH DEFINED 3,200 14,840
SPRINT CORP PCS COM SER 1 852061506 94 21,632 SH DEFINED 21,632
SPRINT CORP PCS COM SER 1 852061506 6 1,272 SH OTHER 1,204 68
STATE STR CORP COM 857477103 287 9,084 SH DEFINED 8,794 290
STATE STR CORP COM 857477103 7 209 SH OTHER 209
STRYKER CORP COM 863667101 501 7,298 SH DEFINED 6,440 858
STRYKER CORP COM 863667101 12 181 SH OTHER 181
SUN LIFE FINANCIAL SVCS CAN ADR COM 866796105 219 11,667 SH DEFINED 11,667
SUN MICROSYSTEMS INC COM 866810104 1,787 548,205 SH DEFINED 536,405 11,800
SUN MICROSYSTEMS INC COM 866810104 88 27,065 SH OTHER 17,600 8,465 1,000
SUNTRUST BANKS INC COM 867914103 1,565 29,726 SH DEFINED 29,519 207
SUNTRUST BANKS INC COM 867914103 922 17,518 SH OTHER 15,816 1,702
SYMANTEC CORP COM 871503108 2,459 62,759 SH DEFINED 61,575 1,184
SYMANTEC CORP COM 871503108 87 2,225 SH OTHER 2,000 225
SYNOPSYS INC COM 871607107 2,137 50,210 SH DEFINED 50,000 210
SYNOPSYS INC COM 871607107 2 50 SH OTHER 50
SYNOVUS FINANCIAL CORP COM 87161C105 855 47,793 SH DEFINED 46,268 450 1,075
SYNOVUS FINANCIAL CORP COM 87161C105 2,057 114,975 SH OTHER 111,055 505 3,415
SYSCO CORP COM 871829107 1,662 65,317 SH DEFINED 64,007 1,310
SYSCO CORP COM 871829107 121 4,770 SH OTHER 3,800 800 170
TCF FINL CORP COM 872275102 1,604 40,065 SH DEFINED 40,000 65
TECO ENERGY INC COM 872375100 191 17,950 SH DEFINED 17,950
TECO ENERGY INC COM 872375100 9 800 SH OTHER 800
TEPPCO PARTNERS LP UT LTD PARTNER 872384102 430 13,600 SH DEFINED 13,600
TXU CORP COM 873168108 342 19,142 SH DEFINED 16,142 3,000
TXU CORP COM 873168108 22 1,206 SH OTHER 1,000 6 200
TARGET CORP COM 87612E106 7,849 268,250 SH DEFINED 263,004 5,246
TARGET CORP COM 87612E106 600 20,498 SH OTHER 14,353 4,425 1,720
TELEFONICA S. A. SPONSORED ADR 879382208 361 12,873 SH DEFINED 12,623 250
TELEFONICA S. A. SPONSORED ADR 879382208 6 212 SH OTHER 212
TELEPHONE & DATA SYS INC COM 879433100 571 13,957 SH DEFINED 1,200 12,757
TEMPLETON GLOBAL INCOME FD INC COM 880198106 106 13,707 SH DEFINED 13,707
TEMPLETON GLOBAL INCOME FD INC COM 880198106 8 1,000 SH OTHER 1,000
TERADYNE INC COM 880770102 735 63,179 SH DEFINED 62,179 1,000
TERADYNE INC COM 880770102 9 800 SH OTHER 800
TEXAS INSTRUMENTS INC COM 882508104 8,685 530,569 SH DEFINED 502,156 28,413
TEXAS INSTRUMENTS INC COM 882508104 510 31,178 SH OTHER 25,300 4,788 1,090
TEXTRON INC COM 883203101 211 7,700 SH OTHER 7,700
3M CO COM 88579Y101 4,807 36,970 SH DEFINED 36,413 557
3M CO COM 88579Y101 2,434 18,722 SH OTHER 14,321 1,014 3,387
TIMBERLAND CO CL A 887100105 2,091 50,000 SH DEFINED 50,000
TORCHMARK CORP COM 891027104 3,848 107,481 SH DEFINED 93,268 800 13,413
TORCHMARK CORP COM 891027104 8,951 250,035 SH OTHER 240,054 9,981
TRAVELERS PPTY CAS CORP NEW CL A 89420G109 155 11,017 SH DEFINED 9,417 1,600
TRAVELERS PPTY CAS CORP NEW CL A 89420G109 56 3,946 SH OTHER 2,936 542 468
TRAVELERS PPTY CAS CORP NEW CL B 89420G406 52 3,694 SH DEFINED 3,577 117
TRAVELERS PPTY CAS CORP NEW CL B 89420G406 101 7,191 SH OTHER 6,043 1,120 28
TRIZEC PROPERTIES INC (REIT) COM 89687P107 493 58,045 SH DEFINED 58,045
TYCO INTL LTD NEW ADR COM 902124106 203 15,775 SH DEFINED 15,295 480
TYCO INTL LTD NEW ADR COM 902124106 16 1,274 SH OTHER 1,274
UST INC COM 902911106 11,172 404,794 SH DEFINED 402,564 2,230
UST INC COM 902911106 80 2,900 SH OTHER 2,800 100
US BANCORP DEL COM NEW COM NEW 902973304 3,880 204,452 SH DEFINED 185,697 18,755
US BANCORP DEL COM NEW COM NEW 902973304 273 14,401 SH OTHER 13,577 634 190
UNION PACIFIC CORP COM 907818108 1,472 26,767 SH DEFINED 26,527 240
UNION PACIFIC CORP COM 907818108 229 4,171 SH OTHER 3,075 1,006 90
UNION PLANTERS CORP COM 908068109 1,936 73,637 SH DEFINED 73,637
UNION PLANTERS CORP COM 908068109 6,215 236,419 SH OTHER 48,250 172,380 15,789
UNITED PARCEL SVC INC CL B 911312106 60 1,059 SH DEFINED 822 237
UNITED PARCEL SVC INC CL B 911312106 199 3,492 SH OTHER 3,492
UNITED SEC BANCSHARES INC SHS 911459105 2,873 56,320 SH DEFINED 56,320
UNITED SEC BANCSHARES INC SHS 911459105 26 500 SH OTHER 500
UNITED TECHNOLOGIES CORP COM 913017109 1,442 24,959 SH DEFINED 23,677 1,282
UNITED TECHNOLOGIES CORP COM 913017109 464 8,032 SH OTHER 7,668 364
UNITEDHEALTH GROUP INC COM 91324P102 455 4,966 SH DEFINED 3,978 988
UNITEDHEALTH GROUP INC COM 91324P102 81 888 SH OTHER 416 472
UNOCAL CORP COM 915289102 200 7,598 SH DEFINED 6,598 1,000
UNOCAL CORP COM 915289102 26 1,000 SH OTHER 1,000
UNUMPROVIDENT CORP COM 91529Y106 10 1,020 SH DEFINED 1,020
UNUMPROVIDENT CORP COM 91529Y106 243 24,795 SH OTHER 17,681 7,114
V F CORP COM 918204108 2,526 67,121 SH DEFINED 66,106 1,015
V F CORP COM 918204108 309 8,210 SH OTHER 8,000 210
VERIZON COMMUNICATIONS COM 92343V104 14,683 415,315 SH DEFINED 382,677 140 32,498
VERIZON COMMUNICATIONS COM 92343V104 2,292 64,829 SH OTHER 39,788 20,438 4,603
VIACOM INC CL B 925524308 1,868 50,958 SH DEFINED 41,791 4,678 4,489
VIACOM INC CL B 925524308 60 1,645 SH OTHER 250 1,395
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 994 74,184 SH DEFINED 3,184 71,000
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 9 656 SH OTHER 656
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 608 33,671 SH DEFINED 22,318 11,353
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 294 16,151 SH OTHER 3,825 6,706 5,620
VULCAN MATERIALS CO COM 929160109 4,419 146,182 SH DEFINED 146,182
VULCAN MATERIALS CO COM 929160109 7,966 263,501 SH OTHER 197,764 4,219 61,518
WACHOVIA CORP COM 929903102 7,232 212,280 SH DEFINED 208,070 1,310 2,900
WACHOVIA CORP COM 929903102 798 23,413 SH OTHER 15,031 8,382
WADDELL & REED FINL INC CL A CL A 930059100 266 15,124 SH DEFINED 15,124
WADDELL & REED FINL INC CL A CL A 930059100 1,777 101,135 SH OTHER 98,772 2,363
WAL MART STORES INC COM 931142103 33,694 647,587 SH DEFINED 626,959 20,628
WAL MART STORES INC COM 931142103 4,702 90,377 SH OTHER 68,088 20,588 1,701
WALGREEN CO COM 931422109 2,200 74,624 SH DEFINED 72,954 1,670
WALGREEN CO COM 931422109 130 4,409 SH OTHER 2,500 1,400 509
WASHINGTON MUTUAL INC COM 939322103 10,864 308,027 SH DEFINED 288,215 19,812
WASHINGTON MUTUAL INC COM 939322103 372 10,561 SH OTHER 10,076 130 355
WASTE MANAGEMENT COM COM 94106L109 1,075 50,758 SH DEFINED 2,203 48,555
WELLPOINT HEALTH NETWORKS INC COM 94973H108 209 2,726 SH DEFINED 2,377 349
WELLPOINT HEALTH NETWORKS INC COM 94973H108 14 178 SH OTHER 178
WELLS FARGO & CO NEW COM 949746101 11,521 256,197 SH DEFINED 242,829 13,368
WELLS FARGO & CO NEW COM 949746101 819 18,215 SH OTHER 9,775 7,150 1,290
WEYERHAEUSER CO COM 962166104 7,192 150,375 SH DEFINED 140,475 9,900
WEYERHAEUSER CO COM 962166104 254 5,319 SH OTHER 3,969 1,150 200
WILLIAMS COS INC COM 969457100 65 14,100 SH DEFINED 14,100
WILLIAMS COS INC COM 969457100 31 6,850 SH OTHER 6,350 500
WILLIAMS SONOMA INC COM 969904101 1,093 50,121 SH DEFINED 50,000 121
WILMINGTON TR CORP COM 971807102 1,183 42,550 SH DEFINED 42,550
WISCONSIN ENERGY CORP COM 976657106 393 15,475 SH DEFINED 15,475
WISCONSIN ENERGY CORP COM 976657106 3 110 SH OTHER 110
WRIGLEY WM JR CO COM 982526105 2,977 52,682 SH DEFINED 52,682
WRIGLEY WM JR CO COM 982526105 746 13,200 SH OTHER 12,200 1,000
WYETH COM 983024100 16,425 434,302 SH DEFINED 412,784 1,960 19,558
WYETH COM 983024100 3,672 97,100 SH OTHER 82,473 11,967 2,660
XILINX INC COM 983919101 8,131 347,337 SH DEFINED 346,770 567
XEROX CORP COM 984121103 165 18,965 SH DEFINED 17,645 1,320
YUM BRANDS INC COM 988498101 1,192 49,005 SH DEFINED 2,394 46,611
ZIMMER HLDGS INC COM 98956P102 388 7,977 SH DEFINED 7,661 316
ZIMMER HLDGS INC COM 98956P102 138 2,831 SH OTHER 2,430 239 162