UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F Form 13F COVER PAGE Report for the Quarter Ended: March 31, 2001 Check here if Amendment [ ]; Amendment Number: This Amendment (Check only one.): [ ]is a restatement [ ]adds new holdings entries Institutional Investment Manager Filing this Report: Name: Regions Financial Corporation Address: 417 North 20th Street Birmingham, AL 35202 Form 13F File Number: 28-01129 The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: Ronald C. Jackson Title: Senior Vice President and Director of Investor Relations Phone: 205/326-7090 Signature, Place, and Date of Signing: /s/Ronald C. Jackson Birmingham, Alabama May 14, 2001 [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: 740 Form 13F Information Table Value Total: $2,593,611(thousands) List of Other Included Managers: None Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report. Form 13F INFORMATION TABLE COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8 NAME OF ISSUER TITLE OF CLASS CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY (THOUSANDS) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE GLOBAL CROSSING LTD COM G3921A100 2,546 188,700 SH DEFINED 164,196 831 23,673 GLOBAL CROSSING LTD COM G3921A100 163 12,090 SH OTHER 10,624 1,216 250 HELEN OF TROY CORP COM G4388N106 225 40,000 SH DEFINED 40,000 HILFIGER TOMMY CORP ORD G8915Z102 1,542 120,000 SH DEFINED 120,000 TRANSOCEAN SEDCO FOREX INC ORD G90078109 1,623 37,447 SH DEFINED 37,152 295 TRANSOCEAN SEDCO FOREX INC ORD G90078109 46 1,050 SH OTHER 1,012 38 AFLAC INC COM 001055102 11,018 400,072 SH DEFINED 396,082 3,990 AFLAC INC COM 001055102 831 30,164 SH OTHER 6,410 20,754 3,000 AGL RES INC COM 001204106 205 9,339 SH DEFINED 6,367 2,972 AGL RES INC COM 001204106 265 12,100 SH OTHER 12,100 AES CORP COM 00130H105 1,835 36,736 SH DEFINED 36,628 108 AES CORP COM 00130H105 38 754 SH OTHER 754 AOL TIME WARNER INC COM 00184A105 6,626 165,025 SH DEFINED 142,829 800 21,396 AOL TIME WARNER INC COM 00184A105 1,089 27,119 SH OTHER 11,585 2,609 12,925 A T & T CORP COM 001957109 6,541 307,102 SH DEFINED 247,706 2,667 56,729 A T & T CORP COM 001957109 1,688 79,255 SH OTHER 55,483 3,875 19,897 ABBOTT LABORATORIES COM 002824100 2,757 58,431 SH DEFINED 56,431 2,000 ABBOTT LABORATORIES COM 002824100 1,509 31,981 SH OTHER 16,885 15,096 ABERCROMBIE & FITCH CO CLASS A CL A 002896207 1,665 50,904 SH DEFINED 50,904 ACXIOM CORP COM 005125109 875 41,918 SH DEFINED 41,918 ACXIOM CORP COM 005125109 63 3,000 SH OTHER 800 2,200 ADTRAN INC COM 00738A106 801 32,600 SH DEFINED 32,600 ADVANCED MICRO DEVICES INC COM 007903107 605 22,800 SH DEFINED 22,800 AEGON N V ORD AMER REG 007924103 640 21,884 SH DEFINED 21,884 AEGON N V ORD AMER REG 007924103 583 19,941 SH OTHER 11,949 7,992 AETNA INC COM 00817Y108 236 6,584 SH DEFINED 584 6,000 AETNA INC COM 00817Y108 36 1,000 SH OTHER 1,000 AFFILIATED COMPUTER SVCS INC CL A 008190100 1,558 24,000 SH DEFINED 24,000 AGILENT TECHNOLOGIES INC COM 00846U101 1,765 57,444 SH DEFINED 56,587 857 AGILENT TECHNOLOGIES INC COM 00846U101 194 6,298 SH OTHER 5,727 114 457 AIR PRODUCTS & CHEMICALS INC COM 009158106 128 3,332 SH DEFINED 2,900 432 AIR PRODUCTS & CHEMICALS INC COM 009158106 122 3,176 SH OTHER 2,176 1,000 AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 203 4,896 SH DEFINED 4,896 AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 8 190 SH OTHER 190 ALCOA INC COM 013817101 4,217 117,289 SH DEFINED 117,105 184 ALCOA INC COM 013817101 231 6,422 SH OTHER 5,690 732 ALEXANDER & BALDWIN INC COM COM 014482103 776 36,300 SH DEFINED 36,300 ALFA CORP COM 015385107 374 19,774 SH DEFINED 14,774 5,000 ALFA CORP COM 015385107 411 21,698 SH OTHER 698 21,000 ALLEGHENY ENERGY INC COM 017361106 281 6,080 SH DEFINED 5,880 200 ALLEGHENY ENERGY INC COM 017361106 65 1,400 SH OTHER 600 800 ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 418 10,150 SH DEFINED 9,650 500 ALLIANCE CAP MGMT HLDG L P UNIT LTD PARTN 01855A101 124 3,000 SH OTHER 3,000 ALLSTATE CORP COM 020002101 2,734 65,193 SH DEFINED 60,945 2,348 1,900 ALLSTATE CORP COM 020002101 783 18,663 SH OTHER 15,889 2,774 ALLTEL CORP COM 020039103 6,652 126,793 SH DEFINED 126,363 430 ALLTEL CORP COM 020039103 530 10,095 SH OTHER 10,079 16 ALTERA CORP COM 021441100 1,705 79,550 SH DEFINED 78,950 600 AMERADA HESS CORP COM 023551104 2,698 34,540 SH DEFINED 34,240 300 AMEREN CORP COM 023608102 240 5,850 SH DEFINED 5,850 AMEREN CORP COM 023608102 53 1,300 SH OTHER 1,300 AMERICAN ELECTRIC POWER INC COM 025537101 1,142 24,290 SH DEFINED 23,263 1,027 AMERICAN ELECTRIC POWER INC COM 025537101 32 681 SH OTHER 360 60 261 AMERICAN EXPRESS CO COM 025816109 7,842 189,874 SH DEFINED 178,334 11,540 AMERICAN EXPRESS CO COM 025816109 1,551 37,565 SH OTHER 29,251 1,500 6,814 AMERICAN GENERAL CORP COM 026351106 5,744 150,158 SH DEFINED 149,958 200 AMERICAN GENERAL CORP COM 026351106 916 23,940 SH OTHER 300 23,640 AMERICAN GREETINGS CORP CL A CL A 026375105 54 5,100 SH DEFINED 5,100 AMERICAN GREETINGS CORP CL A CL A 026375105 95 9,000 SH OTHER 3,600 5,400 AMERICAN HOME PRODUCTS CORP COM 026609107 33,706 573,712 SH DEFINED 544,197 1,130 28,385 AMERICAN HOME PRODUCTS CORP COM 026609107 7,116 121,126 SH OTHER 112,676 1,970 6,480 AMERICAN INTL GROUP INC COM 026874107 42,198 524,193 SH DEFINED 511,723 156 12,314 AMERICAN INTL GROUP INC COM 026874107 2,193 27,239 SH OTHER 19,376 1,373 6,490 AMERICAN STD COS INC DEL COM 029712106 1,772 30,000 SH DEFINED 30,000 AMERISOURCE HEALTH CORP CL A 03071P102 1,177 24,000 SH DEFINED 24,000 AMGEN INC COM 031162100 9,811 163,004 SH DEFINED 160,627 318 2,059 AMGEN INC COM 031162100 290 4,813 SH OTHER 3,681 697 435 AMSOUTH BANCORPORATION COM 032165102 8,060 479,482 SH DEFINED 427,654 51,828 AMSOUTH BANCORPORATION COM 032165102 7,061 420,067 SH OTHER 281,774 5,000 133,293 ANADARKO PETE CORP COM 032511107 3,027 48,220 SH DEFINED 48,220 ANADARKO PETE CORP COM 032511107 72 1,139 SH OTHER 1,139 ANALOG DEVICES INC COM 032654105 2,066 57,000 SH DEFINED 57,000 ANALOG DEVICES INC COM 032654105 4 100 SH OTHER 100 ANDRX GROUP COM 034553107 882 18,000 SH DEFINED 18,000 ANHEUSER BUSCH COS INC COM 035229103 15,374 334,721 SH DEFINED 332,305 374 2,042 ANHEUSER BUSCH COS INC COM 035229103 904 19,685 SH OTHER 17,481 1,204 1,000 AON CORP COM 037389103 1,018 28,675 SH DEFINED 28,675 APPLERA CORP APPLID BIOSYS AP BIO GRP 038020103 111 4,000 SH DEFINED 4,000 APPLERA CORP APPLID BIOSYS AP BIO GRP 038020103 172 6,200 SH OTHER 6,200 APPLIED MATLS INC COM 038222105 8,322 191,320 SH DEFINED 189,270 2,050 APPLIED MATLS INC COM 038222105 123 2,825 SH OTHER 2,750 75 AFCO STEEL COM 040992208 633 855 SH DEFINED 855 ASTRAZENECA PLC SPONSORED ADR 046353108 280 5,800 SH DEFINED 5,800 AUBURN NATIONAL BANCORPORATION COM 050473107 531 50,310 SH OTHER 50,310 AUTOMATIC DATA PROCESSING INC COM 053015103 3,620 66,564 SH DEFINED 63,223 1,026 2,315 AUTOMATIC DATA PROCESSING INC COM 053015103 704 12,946 SH OTHER 6,415 1,856 4,675 AVANT IMMUNOTHERAPEUTICS INC COM 053491106 50 11,542 SH OTHER 11,542 AVAYA INC COM 053499109 150 11,573 SH DEFINED 9,550 2,023 AVAYA INC COM 053499109 95 7,287 SH OTHER 5,637 117 1,533 AVON PRODS INC COM 054303102 449 11,236 SH DEFINED 11,136 100 BISYS GROUP INC COM 055472104 1,176 22,000 SH DEFINED 22,000 BJS WHSL CLUB INC COM 05548J106 1,914 40,000 SH DEFINED 40,000 BJ SVCS CO COM 055482103 2,869 40,300 SH DEFINED 40,000 300 BP AMOCO PLC ADS SPONSORED ADR 055622104 11,883 239,476 SH DEFINED 231,547 834 7,095 BP AMOCO PLC ADS SPONSORED ADR 055622104 3,497 70,481 SH OTHER 58,424 10,314 1,743 BMC SOFTWARE INC COM 055921100 304 14,146 SH DEFINED 12,946 1,200 BMC SOFTWARE INC COM 055921100 4 200 SH OTHER 200 BAKER HUGHES INC COM 057224107 728 20,049 SH DEFINED 20,049 BAKER HUGHES INC COM 057224107 5 147 SH OTHER 106 41 BANK AMER CORP COM 060505104 16,531 301,931 SH DEFINED 288,220 4,155 9,556 BANK AMER CORP COM 060505104 11,689 213,491 SH OTHER 206,035 7,156 300 BANK NEW YORK INC COM 064057102 1,782 36,180 SH DEFINED 29,692 6,308 180 BANK NEW YORK INC COM 064057102 206 4,180 SH OTHER 200 3,580 400 BANK ONE CORP COM 06423A103 406 11,217 SH DEFINED 6,921 64 4,232 BANK ONE CORP COM 06423A103 367 10,137 SH OTHER 7,898 1,539 700 BARRICK GOLD CORP COM 067901108 1,671 116,955 SH DEFINED 116,125 830 BARRICK GOLD CORP COM 067901108 14 1,000 SH OTHER 1,000 BARR LABS INC COM 068306109 1,601 28,000 SH DEFINED 28,000 BAXTER INTERNATIONAL INC COM 071813109 707 7,509 SH DEFINED 7,419 90 BAXTER INTERNATIONAL INC COM 071813109 467 4,959 SH OTHER 3,295 940 724 BEAR STEARNS COS INC COM 073902108 185 4,048 SH DEFINED 4,048 BEAR STEARNS COS INC COM 073902108 54 1,177 SH OTHER 1,177 BECKMAN COULTER INC COM 075811109 2,345 60,000 SH DEFINED 60,000 BECTON DICKINSON & CO COM 075887109 346 9,800 SH DEFINED 9,800 BECTON DICKINSON & CO COM 075887109 36 1,008 SH OTHER 1,008 BELLSOUTH CORP COM 079860102 15,233 372,270 SH DEFINED 342,260 3,150 26,860 BELLSOUTH CORP COM 079860102 5,808 141,935 SH OTHER 100,173 8,560 33,202 BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 524 8 SH DEFINED 7 1 BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,309 20 SH OTHER 20 BERKSHIRE HATHAWAY INC DEL CL B 084670207 792 364 SH DEFINED 359 5 BERKSHIRE HATHAWAY INC DEL CL B 084670207 544 250 SH OTHER 245 5 BIOCRYST PHARMACEUTICALS INC COM 09058V103 27 4,300 SH DEFINED 4,300 BIOCRYST PHARMACEUTICALS INC COM 09058V103 681 110,054 SH OTHER 2,000 108,054 BLACK HILLS CORP COM 092113109 1,646 36,000 SH DEFINED 36,000 BLACKROCK INSD MUN TERM TR INC COM 092474105 258 25,000 SH DEFINED 25,000 BLOCK H & R INC COM 093671105 135 2,700 SH DEFINED 2,200 500 BLOCK H & R INC COM 093671105 120 2,400 SH OTHER 2,400 BLOUNT INTL INC NEW COM 095180105 211 47,851 SH OTHER 47,851 BOEING CO COM 097023105 1,347 24,180 SH DEFINED 23,722 458 BOEING CO COM 097023105 10,017 179,810 SH OTHER 178,052 1,758 BRINKER INTL INC COM 109641100 837 30,000 SH DEFINED 30,000 BRISTOL MYERS SQUIBB CO COM 110122108 41,673 701,564 SH DEFINED 670,209 1,335 30,020 BRISTOL MYERS SQUIBB CO COM 110122108 7,662 128,988 SH OTHER 100,765 8,025 20,198 BROADCOM CORPORATION CL A 111320107 665 23,000 SH DEFINED 23,000 BURLINGTON NORTHN SANTA FE CORP COM 12189T104 3,635 119,648 SH DEFINED 118,224 1,424 BURLINGTON NORTHN SANTA FE CORP COM 12189T104 260 8,544 SH OTHER 7,119 1,425 BURLINGTON RESOURCES INC COM 122014103 1,041 23,257 SH DEFINED 19,225 1,436 2,596 BURLINGTON RESOURCES INC COM 122014103 188 4,204 SH OTHER 3,486 718 CDW COMPUTER CTRS INC COM 125129106 930 30,000 SH DEFINED 30,000 CIGNA CORP COM 125509109 32 300 SH DEFINED 300 CIGNA CORP COM 125509109 236 2,196 SH OTHER 2,196 CSG SYS INTL INC COM 126349109 989 24,000 SH DEFINED 24,000 CSX CORP COM 126408103 301 8,940 SH DEFINED 8,940 CSX CORP COM 126408103 341 10,120 SH OTHER 9,720 400 CADENCE DESIGN SYS INC COM 127387108 1,849 100,000 SH DEFINED 100,000 CALPINE CORP COM 131347106 2,754 50,000 SH DEFINED 50,000 CAMPBELL SOUP CO COM 134429109 281 9,400 SH DEFINED 8,800 600 CAMPBELL SOUP CO COM 134429109 66 2,200 SH OTHER 1,000 400 800 CARDINAL HEALTH INC COM 14149Y108 49 504 SH DEFINED 504 CARDINAL HEALTH INC COM 14149Y108 160 1,649 SH OTHER 583 1,066 CARLISLE COS INC COM 142339100 219 6,700 SH DEFINED 1,900 4,800 CATELLUS DEV CORP COM 149111106 1,073 68,136 SH DEFINED 136 68,000 CATERPILLAR INC COM 149123101 3,638 81,967 SH DEFINED 81,367 600 CATERPILLAR INC COM 149123101 196 4,412 SH OTHER 4,412 CENTURYTEL INC COM 156700106 433 15,058 SH DEFINED 15,058 CENTURYTEL INC COM 156700106 27 945 SH OTHER 945 CHEVRON CORP COM 166751107 18,359 209,103 SH DEFINED 205,215 1,541 2,347 CHEVRON CORP COM 166751107 3,049 34,731 SH OTHER 27,718 2,653 4,360 CHIRON CORP COM 170040109 298 6,790 SH DEFINED 6,790 CHIRON CORP COM 170040109 44 1,000 SH OTHER 1,000 CHUBB CORP COM 171232101 408 5,628 SH DEFINED 5,628 CINERGY CORP COM 172474108 275 8,187 SH DEFINED 5,287 2,900 CINERGY CORP COM 172474108 168 5,000 SH OTHER 5,000 CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 829 78,247 SH DEFINED 76,479 1,768 CIRCUIT CITY STORES GROUP CIRCT CITY GRP 172737108 24 2,279 SH OTHER 679 1,600 CISCO SYS INC COM 17275R102 18,717 1,183,662 SH DEFINED 1,124,367 3,588 55,707 CISCO SYS INC COM 17275R102 868 54,923 SH OTHER 32,394 5,199 17,330 CIRRUS LOGIC INC COM 172755100 687 46,000 SH DEFINED 46,000 CITIGROUP INC COM 172967101 42,626 947,676 SH DEFINED 912,493 298 34,885 CITIGROUP INC COM 172967101 5,215 115,936 SH OTHER 93,746 3,475 18,715 CLOROX CO COM 189054109 3,560 113,195 SH DEFINED 96,063 1,027 16,105 CLOROX CO COM 189054109 316 10,057 SH OTHER 6,322 2,311 1,424 COCA COLA CO COM 191216100 69,339 1,535,413 SH DEFINED 1,324,751 12,603 198,059 COCA COLA CO COM 191216100 73,914 1,636,720 SH OTHER 1,588,885 14,760 33,075 COCA COLA ENTERPRISES INC COM 191219104 6,058 340,732 SH DEFINED 172,980 167,752 COCA COLA ENTERPRISES INC COM 191219104 29,054 1,634,066 SH OTHER 1,633,985 81 COLGATE PALMOLIVE CO COM 194162103 3,902 70,615 SH DEFINED 64,547 500 5,568 COLGATE PALMOLIVE CO COM 194162103 15,425 279,128 SH OTHER 269,828 1,400 7,900 COLONIAL BANCGROUP INC COM 195493309 158 12,166 SH DEFINED 12,166 COLONIAL BANCGROUP INC COM 195493309 244 18,784 SH OTHER 14,784 4,000 COLONIAL PPTYS TR (REIT) SH BEN INT 195872106 81 3,035 SH DEFINED 3,035 COLONIAL PPTYS TR (REIT) SH BEN INT 195872106 311 11,600 SH OTHER 11,600 COMERICA INC COM 200340107 4,613 75,000 SH DEFINED 75,000 COMPASS BANCSHARES, INC. COM 20449H109 2,142 100,197 SH DEFINED 96,378 3,819 COMPASS BANCSHARES, INC. COM 20449H109 1,974 92,344 SH OTHER 92,344 COMPAQ COMPUTER CORP COM 204493100 2,084 114,492 SH DEFINED 112,834 1,658 COMPAQ COMPUTER CORP COM 204493100 478 26,251 SH OTHER 25,461 290 500 COMPUTER SCIENCES CORP COM 205363104 602 18,614 SH DEFINED 17,464 1,150 COMPUTER SCIENCES CORP COM 205363104 3 100 SH OTHER 100 CONAGRA FOODS INC COM COM 205887102 2,200 120,600 SH DEFINED 120,600 CONAGRA FOODS INC COM COM 205887102 189 10,362 SH OTHER 10,162 200 CONCORD EFS INC COM 206197105 4,044 100,000 SH DEFINED 100,000 CONEXANT SYS INC COM 207142100 147 16,418 SH DEFINED 16,418 CONEXANT SYS INC COM 207142100 26 2,914 SH OTHER 1,466 1,448 CONOCO INC CL B 208251405 3,332 117,951 SH DEFINED 117,621 330 CONOCO INC CL B 208251405 119 4,212 SH OTHER 4,212 CONSOLIDATED EDISON INC COM 209115104 160 4,301 SH DEFINED 4,301 CONSOLIDATED EDISON INC COM 209115104 141 3,790 SH OTHER 3,790 CONSTELLATION ENERGY GROUP I COM 210371100 245 5,558 SH DEFINED 5,558 CONSTELLATION ENERGY GROUP I COM 210371100 19 436 SH OTHER 436 CORNING INC COM 219350105 5,053 244,219 SH DEFINED 241,215 149 2,855 CORNING INC COM 219350105 263 12,713 SH OTHER 9,714 1,299 1,700 COSTCO WHSL CORP COM 22160K105 2,995 76,312 SH DEFINED 76,140 172 COSTCO WHSL CORP COM 22160K105 416 10,600 SH OTHER 400 10,200 COVANTA ENERGY CORP COM 22281N103 528 31,400 SH DEFINED 1,400 30,000 CROSS TIMBERS OIL CO COM 227573102 247 9,963 SH DEFINED 9,963 DPL INC COM 233293109 2,305 82,025 SH DEFINED 82,025 DPL INC COM 233293109 39 1,400 SH OTHER 1,400 DELHAIZE AMER INC CL A 246688105 212 10,358 SH DEFINED 10,358 DELL COMPUTER CORP COM 247025109 1,818 70,776 SH DEFINED 53,361 1,815 15,600 DELL COMPUTER CORP COM 247025109 461 17,957 SH OTHER 15,822 2,035 100 DELPHI AUTOMOTIVE SYS CORP COM 247126105 217 15,338 SH DEFINED 12,963 419 1,956 DELPHI AUTOMOTIVE SYS CORP COM 247126105 87 6,139 SH OTHER 5,223 828 88 DELTA AIR LINES INC COM 247361108 248 6,290 SH DEFINED 6,290 DELTA AIR LINES INC COM 247361108 225 5,688 SH OTHER 5,688 DELTIC TIMBER CORP COM 247850100 372 18,386 SH DEFINED 18,386 DIAL CORP NEW COM COM 25247D101 2,502 200,126 SH DEFINED 194,033 543 5,550 DIAL CORP NEW COM COM 25247D101 152 12,148 SH OTHER 8,976 1,918 1,254 DIAMOND OFFSHORE DRILLNG INC COM 25271C102 2,092 53,160 SH DEFINED 53,160 DIAMOND OFFSHORE DRILLNG INC COM 25271C102 4 100 SH OTHER 100 DIEBOLD INC COM 253651103 207 7,523 SH DEFINED 6,323 1,200 DILLARDS INC CL A 254067101 260 11,853 SH DEFINED 4,019 7,834 DILLARDS INC CL A 254067101 184 8,400 SH OTHER 8,400 WALT DISNEY COMPANY DISNEY 254687106 5,326 186,227 SH DEFINED 184,563 500 1,164 WALT DISNEY COMPANY DISNEY 254687106 1,778 62,173 SH OTHER 29,751 3,400 29,022 DOLLAR TREE STORES INC COM 256747106 1,426 74,000 SH DEFINED 74,000 DOMINION RES INC VA NEW COM 25746U109 4,043 62,704 SH DEFINED 62,563 141 DOMINION RES INC VA NEW COM 25746U109 27 421 SH OTHER 421 DOVER CORP COM 260003108 1,514 42,244 SH DEFINED 17,200 25,044 DOW CHEM CO COM COM 260543103 1,208 38,257 SH DEFINED 37,957 300 DOW CHEM CO COM COM 260543103 561 17,766 SH OTHER 14,162 150 3,454 DREYFUS STRATEGIC MUNS INC COM 261932107 468 50,000 SH DEFINED 50,000 DREYFUS STRATEGIC MUNS INC COM 261932107 32 3,400 SH OTHER 3,400 DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 473 52,566 SH DEFINED 52,566 DU PONT E I DE NEMOURS & CO COM 263534109 10,157 249,552 SH DEFINED 242,057 1,206 6,289 DU PONT E I DE NEMOURS & CO COM 263534109 2,268 55,724 SH OTHER 43,024 12,700 DUFF & PHELPS UTILS INCOME,INC COM 264324104 142 13,505 SH DEFINED 13,101 404 DUFF & PHELPS UTILS INCOME,INC COM 264324104 40 3,840 SH OTHER 3,840 DUKE ENERGY CORP COM 264399106 6,654 155,697 SH DEFINED 148,179 7,518 DUKE ENERGY CORP COM 264399106 672 15,724 SH OTHER 15,324 400 E M C CORP MASS COM 268648102 16,881 574,171 SH DEFINED 546,328 587 27,256 E M C CORP MASS COM 268648102 997 33,896 SH OTHER 24,385 2,014 7,497 ENSCO INTL INC COM 26874Q100 2,240 64,000 SH DEFINED 64,000 EASTMAN KODAK CO COM 277461109 825 20,674 SH DEFINED 17,774 750 2,150 EASTMAN KODAK CO COM 277461109 370 9,285 SH OTHER 8,610 675 EATON CORP COM 278058102 355 5,182 SH DEFINED 5,010 172 EATON VANCE ARKANSAS MUNI FUND SH BEN INT 27826L736 183 17,439 SH DEFINED 1,225 16,214 EATON VANCE MUNICIPAL INCOME FD COM 27826U108 417 33,332 SH DEFINED 33,332 EL PASO CORP COM 28336L109 587 8,987 SH DEFINED 6,741 2,246 EL PASO CORP COM 28336L109 770 11,790 SH OTHER 8,562 3,228 ELECTRONIC ARTS COM 285512109 1,519 28,000 SH DEFINED 28,000 ELECTRONIC ARTS COM 285512109 222 4,100 SH OTHER 4,100 ELECTRONIC DATA SYS CORP NEW COM 285661104 3,801 68,047 SH DEFINED 67,449 40 558 ELECTRONIC DATA SYS CORP NEW COM 285661104 831 14,880 SH OTHER 3,156 100 11,624 EMERSON ELECTRIC CO COM 291011104 4,531 73,082 SH DEFINED 72,472 610 EMERSON ELECTRIC CO COM 291011104 664 10,710 SH OTHER 9,510 1,200 ENERGEN CORP COM 29265N108 418 11,846 SH DEFINED 9,446 2,400 ENERGEN CORP COM 29265N108 330 9,341 SH OTHER 5,800 3,541 ENERGYSOUTH INC COM 292970100 1,236 59,197 SH DEFINED 44,780 14,417 ENERGYSOUTH INC COM 292970100 42 2,000 SH OTHER 2,000 ENRON CORPORATION COM 293561106 2,690 46,301 SH DEFINED 45,242 1,059 ENRON CORPORATION COM 293561106 32 550 SH OTHER 550 ENTERGY CORP COM 29364G103 515 13,563 SH DEFINED 12,367 8 1,188 ENTERGY CORP COM 29364G103 42 1,100 SH OTHER 100 1,000 EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 408 3,083 SH DEFINED 2,600 483 EQUITY INCOME FUND UT 1 EX SR-ATT 294700703 13 100 SH OTHER 100 EXELON CORP COM 30161N101 351 5,344 SH DEFINED 5,229 115 EXELON CORP COM 30161N101 126 1,920 SH OTHER 527 341 1,052 EXXON MOBIL CORP COM 30231G102 65,843 812,872 SH DEFINED 755,967 4,502 52,403 EXXON MOBIL CORP COM 30231G102 15,108 186,520 SH OTHER 163,497 10,064 12,959 FPL GROUP INC COM 302571104 823 13,423 SH DEFINED 13,107 16 300 FPL GROUP INC COM 302571104 67 1,100 SH OTHER 400 400 300 FAMILY DOLLAR STORES INC COM 307000109 3,354 130,496 SH DEFINED 129,826 470 200 FAMILY DOLLAR STORES INC COM 307000109 21 808 SH OTHER 354 454 FEDERAL HOME LN MTG CORP COM 313400301 2,917 44,998 SH DEFINED 44,378 620 FEDERAL HOME LN MTG CORP COM 313400301 2 36 SH OTHER 36 FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 28,384 356,578 SH DEFINED 347,974 545 8,059 FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 1,019 12,804 SH OTHER 8,987 1,210 2,607 FEDEX CORP COM 31428X106 1,606 38,534 SH DEFINED 1,938 36,596 FEDEX CORP COM 31428X106 47 1,129 SH OTHER 929 200 FIRST DATA CORP COM 319963104 2,191 36,690 SH DEFINED 36,690 FIRST DATA CORP COM 319963104 114 1,902 SH OTHER 1,902 FIRST HEALTH GROUP CORP COM 320960107 1,316 30,000 SH DEFINED 30,000 FIRST HEALTH GROUP CORP COM 320960107 9 200 SH OTHER 200 FIRST UNION CORP COM 337358105 947 28,689 SH DEFINED 26,093 76 2,520 FIRST UNION CORP COM 337358105 278 8,427 SH OTHER 3,366 1,061 4,000 FIRST VIRGINIA BANKSHARES, INC. COM 337477103 1,070 24,680 SH OTHER 24,680 FIRSTAR CORP NEW WIS COM 33763V109 4,769 208,693 SH DEFINED 208,693 FISERV INC COM 337738108 2,460 55,000 SH DEFINED 55,000 FIRSTENERGY CORP COM 337932107 204 7,311 SH DEFINED 7,111 200 FIRSTENERGY CORP COM 337932107 16 566 SH OTHER 200 190 176 FLEETBOSTON FINL CORP COM 339030108 6,559 173,753 SH DEFINED 173,753 FLEETBOSTON FINL CORP COM 339030108 87 2,302 SH OTHER 2,302 FLEMING COMPANIES INC COM 339130106 462 18,150 SH DEFINED 18,150 FLORIDA ROCK INDS INC COM 341140101 240 6,083 SH DEFINED 4,500 1,583 FLORIDA ROCK INDS INC COM 341140101 28 705 SH OTHER 705 FORD MTR CO DEL PAR $0.01 345370860 5,253 186,815 SH DEFINED 176,806 10,009 FORD MTR CO DEL PAR $0.01 345370860 569 20,238 SH OTHER 17,156 3,082 FOREST LABS INC COM 345838106 1,944 32,815 SH DEFINED 32,215 600 FOREST LABS INC COM 345838106 12 200 SH OTHER 200 FORTUNE BRANDS INC COM 349631101 574 16,695 SH DEFINED 14,520 2,175 FORTUNE BRANDS INC COM 349631101 147 4,280 SH OTHER 4,280 FRONTIER AIRLINES COM 359065109 1,219 100,000 SH DEFINED 100,000 GATX CORP COM COM 361448103 200 4,700 SH DEFINED 4,700 GATX CORP COM COM 361448103 17 400 SH OTHER 400 GALLAGHER ARTHUR J & CO COM 363576109 388 14,000 SH DEFINED 14,000 GALLAHER GROUP PLC COM 363595109 407 16,872 SH DEFINED 16,572 300 GALLAHER GROUP PLC COM 363595109 79 3,280 SH OTHER 3,280 GANNETT INC COM 364730101 793 13,271 SH DEFINED 9,271 600 3,400 GANNETT INC COM 364730101 801 13,413 SH OTHER 13,013 400 GAP INC COM 364760108 409 17,257 SH DEFINED 15,457 1,800 GATEWAY INC COM 367626108 365 21,725 SH DEFINED 20,925 800 GATEWAY INC COM 367626108 51 3,050 SH OTHER 3,050 GENERAL DYNAMICS CORP COM 369550108 2,420 38,570 SH DEFINED 37,971 599 GENERAL DYNAMICS CORP COM 369550108 2 34 SH OTHER 34 GENERAL ELECTRIC CO COM 369604103 102,582 2,450,598 SH DEFINED 2,368,075 5,275 77,248 GENERAL ELECTRIC CO COM 369604103 26,630 636,159 SH OTHER 517,972 13,961 104,226 GENERAL MILLS INC COM 370334104 4,133 96,091 SH DEFINED 90,095 5,996 GENERAL MILLS INC COM 370334104 510 11,867 SH OTHER 10,627 1,240 GENERAL MOTORS CORP COM 370442105 5,839 112,609 SH DEFINED 84,059 750 27,800 GENERAL MOTORS CORP COM 370442105 704 13,582 SH OTHER 12,616 966 GENUINE PARTS CO COM 372460105 1,022 39,455 SH DEFINED 34,955 4,500 GENUINE PARTS CO COM 372460105 465 17,945 SH OTHER 17,345 600 GENZYME CORP GENL DIV 372917104 3,613 40,000 SH DEFINED 40,000 GEORGIA GULF CORP PAR $0.01 373200203 522 30,000 SH DEFINED 30,000 GEORGIA PAC CORP (GA PAC GR) GA PAC GRP 373298108 3,167 107,728 SH DEFINED 105,656 2,072 GEORGIA PAC CORP (GA PAC GR) GA PAC GRP 373298108 59 2,000 SH OTHER 2,000 GEORGIA PAC CORP TIMBER GROUP COM-TIMBER GRP 373298702 3,181 110,844 SH DEFINED 59,308 1,036 50,500 GILEAD SCIENCES INC COM 375558103 1,853 57,000 SH DEFINED 57,000 GILLETTE CO COM 375766102 10,357 332,279 SH DEFINED 307,765 24,514 GILLETTE CO COM 375766102 2,357 75,604 SH OTHER 58,329 1,700 15,575 GLAXO SMITHKLINE SPONSORED ADR 37733W105 189 3,620 SH DEFINED 3,575 45 GLAXO SMITHKLINE SPONSORED ADR 37733W105 149 2,850 SH OTHER 2,850 GLOBAL MARINE INC COM 379352404 2,086 81,500 SH DEFINED 81,500 GOVERNMENT SECURITIES INC FUND COM 383743127 1 10,000 SH DEFINED 10,000 GRANT PRIDECO INC COM 38821G101 227 13,200 SH DEFINED 13,200 GRAY COMMUNICATIONS SYSTEM INC COM 389190109 3,002 168,750 SH DEFINED 168,750 HALLIBURTON CO COM 406216101 12,375 336,729 SH DEFINED 332,143 299 4,287 HALLIBURTON CO COM 406216101 345 9,390 SH OTHER 6,938 2,003 449 HANOVER COMPRESSOR CO COM 410768105 761 24,000 SH DEFINED 24,000 HARTFORD FINL SVCS GROUP INC COM 416515104 236 4,005 SH DEFINED 4,005 HARTFORD FINL SVCS GROUP INC COM 416515104 13 225 SH OTHER 225 HEALTHSOUTH CORP COM 421924101 106 8,225 SH DEFINED 8,225 HEALTHSOUTH CORP COM 421924101 92 7,150 SH OTHER 7,150 HEALTH MGMT ASSOC INC NEW CL A 421933102 1,403 90,238 SH DEFINED 90,000 238 HEINZ H J CO COM 423074103 1,856 46,162 SH DEFINED 45,219 943 HEINZ H J CO COM 423074103 532 13,245 SH OTHER 12,345 900 HERSHEY FOODS CORP COM 427866108 1,073 15,484 SH DEFINED 15,059 425 HERSHEY FOODS CORP COM 427866108 716 10,332 SH OTHER 8,800 100 1,432 HEWLETT PACKARD CO COM 428236103 4,819 154,097 SH DEFINED 152,247 1,850 HEWLETT PACKARD CO COM 428236103 1,164 37,240 SH OTHER 32,616 4,624 HI SHEAR TECHNOLOGY CORP COM 42839Y104 40 20,000 SH DEFINED 20,000 HIBERNIA CORP CL A 428656102 349 24,976 SH DEFINED 24,976 HILTON HOTELS COM 432848109 1,222 116,944 SH DEFINED 4,444 112,500 HOME DEPOT INC COM 437076102 23,344 541,627 SH DEFINED 527,331 2,069 12,227 HOME DEPOT INC COM 437076102 1,572 36,481 SH OTHER 21,075 1,006 14,400 HONEYWELL INTERNATIONAL INC COM 438516106 1,075 26,343 SH DEFINED 25,558 785 HONEYWELL INTERNATIONAL INC COM 438516106 446 10,933 SH OTHER 2,027 8,906 HOST MARRIOTT CORP NEW (REIT) COM 44107P104 1,023 87,598 SH DEFINED 4,465 83,133 HOUSEHOLD INTERNATIONAL CORP COM 441815107 473 7,990 SH DEFINED 7,990 HOUSEHOLD INTERNATIONAL CORP COM 441815107 947 15,992 SH OTHER 8,146 460 7,386 HOUSTON EXPL CO COM 442120101 3,000 100,000 SH DEFINED 100,000 ICN PHARMACEUTICALS INC NEW COM 448924100 2,797 110,000 SH DEFINED 110,000 ICOS CORP COM 449295104 1,900 40,000 SH DEFINED 40,000 IDEC PHARMACEUTICALS CORP COM 449370105 600 15,000 SH DEFINED 15,000 IDACORP INC COM 451107106 1,949 51,000 SH DEFINED 51,000 INPRIMIS INC COM 45769X103 9 10,000 SH OTHER 10,000 INSURED MUNICIPAL INCOME FUND COM 45809F104 584 44,583 SH DEFINED 44,583 INSURED MUNICIPAL INCOME FUND COM 45809F104 11 865 SH OTHER 865 INTEGRATED DEVICE TECH INC COM 458118106 1,658 56,000 SH DEFINED 56,000 INTEL CORP COM 458140100 45,482 1,728,522 SH DEFINED 1,652,324 4,051 72,147 INTEL CORP COM 458140100 5,882 223,554 SH OTHER 192,914 8,976 21,664 INTERGRAPH CORP COM 458683109 293 30,250 SH DEFINED 30,250 INTERGRAPH CORP COM 458683109 34 3,500 SH OTHER 3,500 INTERNATIONAL BUS MACHINES CORP COM 459200101 51,303 533,410 SH DEFINED 498,408 309 34,693 INTERNATIONAL BUS MACHINES CORP COM 459200101 5,916 61,513 SH OTHER 50,411 2,702 8,400 INTERNATIONAL PAPER CO COM 460146103 7,446 206,376 SH DEFINED 204,642 300 1,434 INTERNATIONAL PAPER CO COM 460146103 1,622 44,952 SH OTHER 43,839 1,113 INTERPUBLIC GROUP COS INC COM 460690100 94 2,731 SH DEFINED 2,731 INTERPUBLIC GROUP COS INC COM 460690100 295 8,600 SH OTHER 8,600 INVESTMENT TECHNOLOGY GRP NE COM 46145F105 717 14,000 SH DEFINED 14,000 IVAX CORP COM 465823102 2,536 80,493 SH DEFINED 80,493 JDS UNIPHASE CORP COM 46612J101 4,450 241,365 SH DEFINED 233,848 162 7,355 JDS UNIPHASE CORP COM 46612J101 111 6,026 SH OTHER 2,031 520 3,475 JP MORGAN CHASE & CO COM 46625H100 14,636 325,976 SH DEFINED 317,608 3,980 4,388 JP MORGAN CHASE & CO COM 46625H100 1,263 28,123 SH OTHER 19,658 7,725 740 JEFFERSON PILOT CORP COM 475070108 14,589 214,899 SH DEFINED 195,482 670 18,747 JEFFERSON PILOT CORP COM 475070108 4,582 67,488 SH OTHER 41,367 2,446 23,675 JOHNSON & JOHNSON COM 478160104 48,091 549,806 SH DEFINED 521,519 1,245 27,042 JOHNSON & JOHNSON COM 478160104 4,029 46,064 SH OTHER 30,543 3,061 12,460 KAYDON CORP COM 486587108 156 5,800 SH DEFINED 2,000 3,800 KAYDON CORP COM 486587108 71 2,650 SH OTHER 2,650 KEANE INC COM 486665102 130 10,000 SH DEFINED 10,000 KELLOGG CO COM 487836108 172 6,345 SH DEFINED 5,145 1,200 KELLOGG CO COM 487836108 303 11,200 SH OTHER 10,400 800 KERR MCGEE CORP COM 492386107 453 6,986 SH DEFINED 6,986 KERR MCGEE CORP COM 492386107 7 101 SH OTHER 101 KEYCORP NEW COM 493267108 476 18,432 SH DEFINED 18,032 400 KIMBERLY CLARK CORP COM 494368103 22,238 327,843 SH DEFINED 306,691 489 20,663 KIMBERLY CLARK CORP COM 494368103 4,836 71,298 SH OTHER 59,143 3,132 9,023 KNIGHT RIDDER INC COM 499040103 1,713 31,898 SH DEFINED 31,898 LSI LOGIC CORP COM 502161102 1,353 86,000 SH DEFINED 86,000 LEGG MASON INC COM 524901105 1,179 28,000 SH DEFINED 28,000 LILLY ELI & CO COM 532457108 3,673 47,915 SH DEFINED 46,705 800 410 LILLY ELI & CO COM 532457108 3,004 39,188 SH OTHER 34,888 900 3,400 LINCARE HLDGS INC COM 532791100 1,059 20,000 SH DEFINED 20,000 LINCOLN NATIONAL CORP IND COM 534187109 361 8,500 SH DEFINED 8,500 LIZ CLAIBORNE INC COM 539320101 1,796 38,174 SH DEFINED 38,174 LOCKHEED MARTIN CORP COM 539830109 1,524 42,758 SH DEFINED 42,639 119 LOCKHEED MARTIN CORP COM 539830109 56 1,581 SH OTHER 1,300 281 LOEWS CORP COM 540424108 1,069 18,000 SH OTHER 18,000 LONE STAR TECHNOLOGIES INC COM 542312103 1,796 42,000 SH DEFINED 42,000 LOUISIANA PACIFIC CORP COM 546347105 919 95,645 SH DEFINED 95,367 278 LOWES COS INC COM 548661107 7,769 132,922 SH DEFINED 131,741 1,181 LOWES COS INC COM 548661107 50 850 SH OTHER 850 LUCENT TECHNOLOGIES INC COM 549463107 6,745 676,521 SH DEFINED 620,422 2,421 53,678 LUCENT TECHNOLOGIES INC COM 549463107 1,763 176,822 SH OTHER 144,017 3,955 28,850 LUFKIN INDUSTRIES INCORPORATED COM 549764108 1 40 SH DEFINED 40 LUFKIN INDUSTRIES INCORPORATED COM 549764108 733 36,765 SH OTHER 36,765 MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 65 9,815 SH DEFINED 9,815 MFS MULTIMARKET INCOME TRUST SH BEN INT 552737108 16 2,380 SH OTHER 2,380 MACROMEDIA INC COM 556100105 353 22,000 SH DEFINED 22,000 MANULIFE FINL CORP COM 56501R106 289 10,929 SH DEFINED 10,929 MARSH & MCLENNAN COS INC COM 571748102 3,820 40,198 SH DEFINED 39,330 126 742 MARSH & MCLENNAN COS INC COM 571748102 645 6,785 SH OTHER 1,154 413 5,218 MARRIOTT INTL INC NEW CL A 571903202 1,524 37,000 SH DEFINED 37,000 MARRIOTT INTL INC NEW CL A 571903202 412 10,000 SH OTHER 200 9,800 MASCO CORP COM 574599106 264 10,950 SH DEFINED 10,950 MASCO CORP COM 574599106 63 2,600 SH OTHER 2,600 MAY DEPT STORES CO COM 577778103 82 2,322 SH OTHER 2,322 MAYTAG CORP COM 578592107 23,215 719,851 SH DEFINED 719,851 MAYTAG CORP COM 578592107 65 2,000 SH OTHER 2,000 MCCORMICK & CO INC COMMON STOCK NON VTG 579780206 826 19,664 SH DEFINED 19,664 MCCORMICK & CO INC COMMON STOCK NON VTG 579780206 37 888 SH OTHER 888 MCDATA CORP CL B 580031201 320 16,951 SH DEFINED 16,100 851 MCDATA CORP CL B 580031201 16 829 SH OTHER 582 40 207 MCDONALDS CORP COM 580135101 4,331 163,135 SH DEFINED 159,335 3,800 MCDONALDS CORP COM 580135101 1,880 70,820 SH OTHER 52,700 18,120 MCGRAW-HILL COMPANIES INC NEW COM 580645109 442 7,414 SH DEFINED 7,014 400 MCGRAW-HILL COMPANIES INC NEW COM 580645109 84 1,400 SH OTHER 1,200 200 MCKESSON HBOC INC COM 58155Q103 133 4,968 SH DEFINED 4,968 MCKESSON HBOC INC COM 58155Q103 90 3,383 SH OTHER 3,383 MEAD CORP COM 582834107 1,611 64,217 SH DEFINED 61,600 2,617 MEAD CORP COM 582834107 2,204 87,846 SH OTHER 34,318 53,528 MEDICAL ASSURN INC COM 58449U100 201 16,329 SH DEFINED 13,238 3,091 MEDICAL ASSURN INC COM 58449U100 20 1,633 SH OTHER 1,633 MEDTRONIC INC COM 585055106 268 5,864 SH DEFINED 5,614 250 MEDTRONIC INC COM 585055106 435 9,500 SH OTHER 9,500 MELLON FINL CORP COM 58551A108 4,650 114,760 SH DEFINED 114,660 100 MELLON FINL CORP COM 58551A108 49 1,200 SH OTHER 600 600 MERCK & CO INC COM 589331107 43,684 575,554 SH DEFINED 549,569 1,117 24,868 MERCK & CO INC COM 589331107 12,455 164,095 SH OTHER 129,168 2,487 32,440 MERRILL LYNCH & CO INC COM 590188108 2,373 42,834 SH DEFINED 42,834 MERRILL LYNCH & CO INC COM 590188108 6 100 SH OTHER 100 METAL MGMT INC COM 591097100 6 200,000 SH DEFINED 200,000 MICREL INC COM 594793101 838 30,000 SH DEFINED 30,000 MICROSOFT CORP COM 594918104 42,692 780,642 SH DEFINED 753,374 2,897 24,371 MICROSOFT CORP COM 594918104 3,438 62,862 SH OTHER 49,982 1,647 11,233 MICROCHIP TECHNOLOGY INC COM 595017104 1,772 70,000 SH DEFINED 70,000 MICRON TECHNOLOGY INC COM 595112103 12,351 297,410 SH DEFINED 295,560 1,850 MICRON TECHNOLOGY INC COM 595112103 192 4,625 SH OTHER 4,025 600 MILLENNIUM PHARMACTCLS INC COM 599902103 2,437 80,000 SH DEFINED 80,000 MN MINING & MANUFACTURING CO COM 604059105 6,143 59,123 SH DEFINED 57,257 1,266 600 MN MINING & MANUFACTURING CO COM 604059105 1,499 14,423 SH OTHER 13,290 433 700 MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 5,937 110,977 SH DEFINED 110,877 100 MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 814 15,208 SH OTHER 15,208 MORRISON MGMT SPECIALISTS INC COM 618459101 1,101 27,603 SH DEFINED 19,113 8,490 MORRISON MGMT SPECIALISTS INC COM 618459101 911 22,827 SH OTHER 22,827 MOTOROLA INC COM 620076109 4,151 291,085 SH DEFINED 287,885 3,200 MOTOROLA INC COM 620076109 678 47,520 SH OTHER 40,100 1,620 5,800 MUNIHOLDINGS FD II INC COM 625935101 135 10,900 SH DEFINED 10,900 MUNIHOLDINGS INSD FD II INC COM 62625A102 127 10,000 SH DEFINED 10,000 MURPHY OIL CORP COM 626717102 1,298 19,500 SH DEFINED 19,500 NN INC COM 629337106 160 20,000 SH DEFINED 20,000 NASDAQ 100 TR UNIT SER 1 631100104 1,619 41,351 SH DEFINED 40,220 1,131 NASDAQ 100 TR UNIT SER 1 631100104 56 1,431 SH OTHER 31 1,400 NATIONAL CITY CORP COM 635405103 205 7,682 SH DEFINED 7,682 NATIONAL CITY CORP COM 635405103 54 2,000 SH OTHER 2,000 NATIONAL COMM BANCORPORATION COM 635449101 1,985 80,000 SH DEFINED 80,000 NATIONAL COMM BANCORPORATION COM 635449101 28 1,148 SH OTHER 980 168 NATIONAL FUEL GAS CO N J COM 636180101 54 1,000 SH DEFINED 1,000 NATIONAL FUEL GAS CO N J COM 636180101 215 4,008 SH OTHER 4,008 NATIONAL-OILWELL INC COM 637071101 1,039 30,000 SH DEFINED 30,000 NETWORK APPLIANCE INC COM 64120L104 1,532 91,100 SH DEFINED 90,700 400 NEWMONT MINING CORP (NEW) COM 651639106 1,762 109,284 SH DEFINED 109,277 7 NEWMONT MINING CORP (NEW) COM 651639106 3 188 SH OTHER 188 NOKIA CORP SPONSORED ADR 654902204 7,577 315,728 SH DEFINED 302,362 13,366 NOKIA CORP SPONSORED ADR 654902204 527 21,956 SH OTHER 8,231 13,725 NOBLE DRILLING CORP COM 655042109 2,499 54,134 SH DEFINED 54,000 134 NORFOLK SOUTHERN CORPORATION COM 655844108 279 16,641 SH DEFINED 15,633 1,008 NORFOLK SOUTHERN CORPORATION COM 655844108 422 25,204 SH OTHER 21,604 3,600 NORTEL NETWORKS CORP NEW COM 656568102 8,951 637,111 SH DEFINED 632,490 246 4,375 NORTEL NETWORKS CORP NEW COM 656568102 106 7,574 SH OTHER 5,319 205 2,050 NORTHERN TRUST CORP COM 665859104 203 3,250 SH DEFINED 1,550 1,700 NUVEEN PERF PLUS MUN FD INC COM 67062P108 186 13,360 SH DEFINED 13,150 210 NUVEEN PERF PLUS MUN FD INC COM 67062P108 10 700 SH OTHER 700 NVIDIA CORP COM 67066G104 649 10,000 SH DEFINED 10,000 OGE ENERGY CORP COM 670837103 195 8,500 SH DEFINED 8,000 500 OGE ENERGY CORP COM 670837103 45 1,950 SH OTHER 1,800 150 NUVEEN MUN VALUE FD INC COM 670928100 204 22,108 SH DEFINED 22,108 NUVEEN MUN VALUE FD INC COM 670928100 25 2,666 SH OTHER 2,666 NUVEEN TEX QUAL INCM MUN FD COM 670983105 722 49,800 SH DEFINED 49,800 OCCIDENTAL PETE CORP COM 674599105 1,552 62,726 SH DEFINED 62,726 OLD REPUBLIC INTL CORP COM 680223104 79 2,775 SH DEFINED 2,775 OLD REPUBLIC INTL CORP COM 680223104 9,067 319,255 SH OTHER 65,500 253,755 OMNICOM GROUP COM 681919106 1,134 13,686 SH OTHER 13,686 ONEOK INC NEW COM 682680103 380 9,303 SH DEFINED 9,303 ORACLE CORPORATION COM 68389X105 13,122 875,992 SH DEFINED 855,921 10,591 9,480 ORACLE CORPORATION COM 68389X105 538 35,947 SH OTHER 26,716 8,931 300 OUTBACK STEAKHOUSE INC COM 689899102 1,086 42,650 SH DEFINED 42,650 OXFORD HEALTH PLANS INC COM 691471106 803 30,000 SH DEFINED 30,000 PNC FINANCIAL SERVICES GROUP COM 693475105 2,656 39,200 SH DEFINED 38,200 1,000 PNC FINANCIAL SERVICES GROUP COM 693475105 183 2,701 SH OTHER 400 1,791 510 PPG INDUSTRIES INC COM 693506107 1 26 SH DEFINED 26 PPG INDUSTRIES INC COM 693506107 304 6,600 SH OTHER 6,200 400 PACCAR INC COM 693718108 63 1,400 SH DEFINED 1,400 PACCAR INC COM 693718108 242 5,404 SH OTHER 5,404 PARKER DRILLING CO COM 701081101 1,920 300,000 SH DEFINED 300,000 PEMCO AVIATION GROUP INC COM 706444106 91 10,000 SH DEFINED 10,000 PEPSICO INC COM 713448108 22,821 519,258 SH DEFINED 512,729 441 6,088 PEPSICO INC COM 713448108 1,808 41,133 SH OTHER 22,940 3,093 15,100 PFIZER INC COM 717081103 53,729 1,312,056 SH DEFINED 1,269,616 688 41,752 PFIZER INC COM 717081103 6,025 147,138 SH OTHER 91,724 3,608 51,806 PHARMACIA CORP COM 71713U102 10,832 215,042 SH DEFINED 207,322 279 7,441 PHARMACIA CORP ADJ CONVR RATE 71713U102 2,510 49,832 SH OTHER 27,355 4,827 17,650 PHARMACIA CORP ADJ CONVR RATE 71713U201 209 4,690 SH DEFINED 2,490 2,200 PHARMACIA CORP COM 71713U201 94 2,100 SH OTHER 2,100 PHILIP MORRIS COS INC COM 718154107 23,726 500,032 SH DEFINED 494,735 1,382 3,915 PHILIP MORRIS COS INC COM 718154107 2,845 59,948 SH OTHER 52,191 6,605 1,152 PHILLIPS PETE CO COM 718507106 4,502 81,778 SH DEFINED 81,778 PIONEER NATURAL RESOURCES CO COM 723787107 809 51,500 SH DEFINED 51,500 PITNEY BOWES INC COM 724479100 1,293 37,196 SH DEFINED 36,100 1,096 PITNEY BOWES INC COM 724479100 403 11,600 SH OTHER 11,600 POWERWAVE TECHNOLOGIES INC COM 739363109 545 40,000 SH DEFINED 40,000 PROCTER & GAMBLE CO COM 742718109 29,072 464,417 SH DEFINED 444,437 820 19,160 PROCTER & GAMBLE CO COM 742718109 4,941 78,934 SH OTHER 48,022 3,432 27,480 PROGRESS ENERGY INC COM 743263105 762 17,699 SH DEFINED 17,691 8 PROGRESS ENERGY INC COM 743263105 162 3,761 SH OTHER 1,666 95 2,000 PROTECTIVE LIFE CORP COM 743674103 1,882 61,365 SH DEFINED 61,365 PROTECTIVE LIFE CORP COM 743674103 8,181 266,743 SH OTHER 265,387 700 656 PROTEIN DESIGN LABS INC COM 74369L103 445 10,000 SH DEFINED 10,000 PROVIDIAN FINL CORP COM 74406A102 1,216 24,790 SH DEFINED 24,790 PROVIDIAN FINL CORP COM 74406A102 1,480 30,180 SH OTHER 16,380 13,800 PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 3,830 88,747 SH DEFINED 87,997 750 PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 4 94 SH OTHER 94 PUTNAM INVT GRADE MUN TR COM 746805100 341 31,000 SH DEFINED 31,000 PUTNAM MANAGED MUN INCOME TR COM 746823103 364 42,949 SH DEFINED 41,500 1,449 PUTNAM PREMIER INCOME TR SH BEN INT 746853100 73 10,955 SH DEFINED 7,455 3,500 PUTNAM PREMIER INCOME TR SH BEN INT 746853100 19 2,863 SH OTHER 2,863 PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 60 9,142 SH DEFINED 9,142 PUTNAM MASTER INTER INCOME TR SH BEN INT 746909100 8 1,263 SH OTHER 1,263 QUAKER OATS CO COM 747402105 1,197 12,339 SH DEFINED 9,939 2,400 QUAKER OATS CO COM 747402105 271 2,796 SH OTHER 1,900 896 QUALCOMM INC COM 747525103 15,004 264,969 SH DEFINED 258,279 6,690 QUALCOMM INC COM 747525103 615 10,854 SH OTHER 7,004 3,850 QUEST DIAGNOSTICS INC COM 74834L100 1,955 22,000 SH DEFINED 22,000 QUESTAR CORP COM 748356102 330 12,050 SH DEFINED 12,050 QUESTAR CORP COM 748356102 27 1,000 SH OTHER 1,000 QWEST COMM INTL INC COM 749121109 14,412 411,181 SH DEFINED 379,388 912 30,881 QWEST COMM INTL INC COM 749121109 752 21,448 SH OTHER 15,197 2,988 3,263 RF MICRO DEVICES INC COM 749941100 701 60,000 SH DEFINED 60,000 RADIOSHACK CORP COM 750438103 80 2,189 SH DEFINED 2,189 RADIOSHACK CORP COM 750438103 249 6,800 SH OTHER 6,800 RALSTON-RALSTON PURINA GROUP COM 751277302 1,034 33,200 SH DEFINED 1,200 32,000 RALSTON-RALSTON PURINA GROUP COM 751277302 67 2,143 SH OTHER 2,143 RATIONAL SOFTWARE CORP COM NEW 75409P202 888 50,000 SH DEFINED 50,000 RAYTHEON CO CL B CL B 755111408 1,606 54,660 SH DEFINED 54,610 50 RAYTHEON CO CL B CL B 755111408 30 1,030 SH OTHER 630 400 REGIONS FINANCIAL CORP COM 758940100 108,773 3,824,904 SH DEFINED 2,942,030 10,495 872,379 REGIONS FINANCIAL CORP COM 758940100 53,316 1,874,806 SH OTHER 1,646,100 37,325 191,381 RELIANT ENERGY INC COM 75952J108 929 20,526 SH DEFINED 20,309 217 RELIANT ENERGY INC COM 75952J108 192 4,243 SH OTHER 1,247 1,498 1,498 ROCKWELL INTL CORP NEW COM 773903109 653 17,962 SH DEFINED 17,962 ROCKWELL INTL CORP NEW COM 773903109 131 3,614 SH OTHER 1,642 1,972 ROSS STORES INC COM 778296103 938 50,000 SH DEFINED 50,000 ROYAL DUTCH PETROLEUM COMPANY NY REG GLD 1.25 780257804 10,658 192,249 SH DEFINED 191,049 300 900 ROYAL DUTCH PETROLEUM COMPANY NY REG GLD 1.25 780257804 1,285 23,184 SH OTHER 20,184 2,000 1,000 RUBY TUESDAY INC COM 781182100 5,711 291,239 SH DEFINED 244,099 824 46,316 RUBY TUESDAY INC COM 781182100 1,697 86,512 SH OTHER 76,512 10,000 RUSSELL CORP COM 782352108 66 3,515 SH DEFINED 3,515 RUSSELL CORP COM 782352108 248 13,276 SH OTHER 1,000 12,276 SBC COMMUNICATIONS INC NEW COM 78387G103 16,856 377,683 SH DEFINED 358,096 2,701 16,886 SBC COMMUNICATIONS INC NEW COM 78387G103 3,739 83,781 SH OTHER 58,686 5,801 19,294 SPDR TR COM 78462F103 451 3,869 SH DEFINED 3,189 680 SPDR TR COM 78462F103 315 2,700 SH OTHER 2,000 700 SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 257 12,010 SH DEFINED 12,010 SAFEWAY INC COM NEW 786514208 419 7,594 SH DEFINED 7,594 SAFEWAY INC COM NEW 786514208 12 225 SH OTHER 225 ST PAUL COS INC COM 792860108 393 8,925 SH DEFINED 8,925 ST PAUL COS INC COM 792860108 200 4,548 SH OTHER 4,548 SAKS INC COM 79377W108 416 32,000 SH DEFINED 1,000 31,000 SARA LEE CORP COM 803111103 807 37,396 SH DEFINED 36,874 522 SARA LEE CORP COM 803111103 263 12,200 SH OTHER 7,400 4,800 SAWTEK INC COM 805468105 713 40,000 SH DEFINED 40,000 SCANA CORP NEW COM 80589M102 891 32,820 SH DEFINED 31,263 1,557 SCANA CORP NEW COM 80589M102 182 6,697 SH OTHER 6,597 100 SCHERING-PLOUGH CORP COM 806605101 12,844 351,588 SH DEFINED 338,013 13,575 SCHERING-PLOUGH CORP COM 806605101 1,451 39,710 SH OTHER 21,090 8,320 10,300 SCHLUMBERGER LTD COM 806857108 9,454 164,103 SH DEFINED 151,435 494 12,174 SCHLUMBERGER LTD COM 806857108 675 11,719 SH OTHER 10,236 583 900 SCUDDER MUN INCOME TR SH BEN INT 81118R604 486 42,185 SH DEFINED 41,000 1,185 SEARS ROEBUCK & CO COM 812387108 615 17,426 SH DEFINED 15,842 1,584 SEARS ROEBUCK & CO COM 812387108 266 7,554 SH OTHER 6,763 791 SEMPRA ENERGY COM 816851109 223 9,597 SH DEFINED 9,597 SEMPRA ENERGY COM 816851109 21 889 SH OTHER 889 SEPRACOR INC COM 817315104 1,280 40,000 SH DEFINED 40,000 SERVICEMASTER CO COM 81760N109 1,558 138,761 SH DEFINED 19,761 119,000 SHELL TRANS & TRADING PLC SH NY SH NEW 822703609 182 3,900 SH DEFINED 3,675 225 SHELL TRANS & TRADING PLC SH NY SH NEW 822703609 449 9,600 SH OTHER 9,600 SILICON VY BANCSHARES COM 827064106 705 30,000 SH DEFINED 30,000 SKYWEST INC COM 830879102 1,163 50,000 SH DEFINED 50,000 SMITH INTL INC COM 832110100 1,404 20,000 SH DEFINED 20,000 SOLECTRON CORP COM 834182107 53 2,770 SH DEFINED 2,770 SOLECTRON CORP COM 834182107 199 10,450 SH OTHER 10,450 SOLUTIA INC COM 834376105 644 52,766 SH DEFINED 52,766 SOLUTIA INC COM 834376105 9 716 SH OTHER 716 SONOCO PRODUCTS CO COM 835495102 280 13,000 SH DEFINED 3,000 10,000 SONOCO PRODUCTS CO COM 835495102 177 8,237 SH OTHER 462 7,775 SOUTH ALABAMA BANCORP INC COM 836234104 369 24,605 SH DEFINED 21,455 3,150 SOUTH ALABAMA BANCORP INC COM 836234104 660 44,031 SH OTHER 44,031 SOUTHERN CO COM 842587107 13,481 384,192 SH DEFINED 367,924 1,376 14,892 SOUTHERN CO COM 842587107 3,229 92,017 SH OTHER 75,283 2,111 14,623 SOUTHSIDE BANCSHARES INC COM 84470P109 118 12,702 SH DEFINED 12,702 SOUTHTRUST CORP COM 844730101 5,820 127,209 SH DEFINED 111,114 435 15,660 SOUTHTRUST CORP COM 844730101 6,940 151,697 SH OTHER 126,168 25,529 SOUTHWEST AIRLINES CO COM 844741108 261 14,729 SH DEFINED 14,729 SOUTHWEST AIRLINES CO COM 844741108 43 2,437 SH OTHER 2,437 SOVEREIGN BANCORP INC COM 845905108 1,186 140,000 SH DEFINED 140,000 SPRINT CORP (FON GROUP) FON GROUP 852061100 1,198 54,460 SH DEFINED 54,460 SPRINT CORP (FON GROUP) FON GROUP 852061100 219 9,938 SH OTHER 9,802 136 SPRINT CORP PCS COM SER 1 852061506 554 29,178 SH DEFINED 29,178 SPRINT CORP PCS COM SER 1 852061506 68 3,582 SH OTHER 3,514 68 STATE STR CORP COM 857477103 154 1,646 SH DEFINED 1,646 STATE STR CORP COM 857477103 747 8,000 SH OTHER 8,000 STERLING BANCSHARES INC COM 858907108 749 42,822 SH DEFINED 42,822 SUN LIFE FINANCIAL SVCS CAN COM 866796105 202 10,408 SH DEFINED 10,408 SUN MICROSYSTEMS INC COM 866810104 13,272 863,487 SH DEFINED 840,342 688 22,457 SUN MICROSYSTEMS INC COM 866810104 421 27,385 SH OTHER 17,260 5,660 4,465 SUNGARD DATA SYS INC COM 867363103 2,476 50,290 SH DEFINED 50,290 SUNTRUST BANKS INC COM 867914103 6,994 107,932 SH DEFINED 98,943 39 8,950 SUNTRUST BANKS INC COM 867914103 1,139 17,576 SH OTHER 15,746 1,830 SYBASE INC COM 871130100 465 30,000 SH DEFINED 30,000 SYNOVUS FINANCIAL CORP COM 87161C105 1,129 41,802 SH DEFINED 16,444 450 24,908 SYNOVUS FINANCIAL CORP COM 87161C105 2,949 109,205 SH OTHER 105,285 505 3,415 SYSCO CORP COM 871829107 3,517 132,682 SH DEFINED 130,201 277 2,204 SYSCO CORP COM 871829107 228 8,603 SH OTHER 7,144 1,459 TECO ENERGY INC COM 872375100 683 22,790 SH DEFINED 22,790 TECO ENERGY INC COM 872375100 337 11,248 SH OTHER 10,648 600 TRW INC COM 872649108 237 6,956 SH DEFINED 6,956 TRW INC COM 872649108 150 4,398 SH OTHER 200 4,198 TXU CORP COM 873168108 761 18,411 SH DEFINED 18,351 16 44 TXU CORP COM 873168108 120 2,910 SH OTHER 2,901 9 TARGET CORP COM 87612E106 9,786 271,241 SH DEFINED 266,464 307 4,470 TARGET CORP COM 87612E106 850 23,565 SH OTHER 19,950 190 3,425 TELLABS INC COM 879664100 2,992 73,547 SH DEFINED 70,186 249 3,112 TELLABS INC COM 879664100 247 6,066 SH OTHER 2,819 2,392 855 TERADYNE INC COM 880770102 502 15,200 SH DEFINED 15,200 TERADYNE INC COM 880770102 3 100 SH OTHER 100 TEXACO INC COM 881694103 9,211 138,721 SH DEFINED 135,156 1,038 2,527 TEXACO INC COM 881694103 816 12,283 SH OTHER 7,903 1,550 2,830 TEXAS INSTRUMENTS INC COM 882508104 17,452 563,316 SH DEFINED 553,534 9,782 TEXAS INSTRUMENTS INC COM 882508104 1,205 38,903 SH OTHER 32,187 2,216 4,500 TEXTRON INC COM 883203101 466 8,200 SH OTHER 8,200 TOPPS COMPANY COM 890786106 253 25,000 SH OTHER 25,000 TORCHMARK CORP COM 891027104 10,791 277,901 SH DEFINED 250,459 800 26,642 TORCHMARK CORP COM 891027104 11,484 295,763 SH OTHER 289,885 594 5,284 TRANSWITCH CORP COM 894065101 788 60,000 SH DEFINED 60,000 TRICON GLOBAL RESTAURANTS COM 895953107 1,252 32,796 SH DEFINED 796 32,000 TRICON GLOBAL RESTAURANTS COM 895953107 20 531 SH OTHER 531 TRIQUINT SEMICONDUCTOR INC COM 89674K103 1,185 80,000 SH DEFINED 80,000 TRIZEC HAHN CORPORATION SUB VTG 896938107 1,029 68,400 SH DEFINED 68,400 TRUSTMARK CORP COM 898402102 773 37,270 SH DEFINED 37,270 TYCO INTL LTD NEW COM 902124106 5,890 136,253 SH DEFINED 117,162 1,622 17,469 TYCO INTL LTD NEW COM 902124106 1,267 29,318 SH OTHER 25,004 2,577 1,737 USX-MARATHON GRP COM NEW 902905827 5,522 204,900 SH DEFINED 204,800 100 USX-MARATHON GRP COM NEW 902905827 80 2,983 SH OTHER 1,350 1,633 UST INC COM 902911106 5,867 195,250 SH DEFINED 195,150 100 UST INC COM 902911106 72 2,400 SH OTHER 2,400 US BANCORP DEL COM NEW COM NEW 902973304 5,137 221,402 SH DEFINED 221,402 US BANCORP DEL COM NEW COM NEW 902973304 15 634 SH OTHER 634 UNION PACIFIC CORP COM 907818108 2,981 52,995 SH DEFINED 52,995 UNION PACIFIC CORP COM 907818108 272 4,841 SH OTHER 3,835 1,006 UNION PLANTERS CORP COM 908068109 1,970 51,190 SH DEFINED 51,190 UNION PLANTERS CORP COM 908068109 7,294 189,506 SH OTHER 34,000 155,506 UNISYS CORP COM 909214108 776 55,444 SH DEFINED 55,444 UNISYS CORP COM 909214108 24 1,743 SH OTHER 1,743 UNITED SEC BANCSHARES INC SHS 911459105 2,853 108,293 SH DEFINED 56,320 51,973 UNITED TECHNOLOGIES CORP COM 913017109 2,820 38,466 SH DEFINED 38,406 60 UNITED TECHNOLOGIES CORP COM 913017109 919 12,532 SH OTHER 12,412 120 UNOCAL CORP COM 915289102 1,455 42,098 SH DEFINED 42,098 USINTERNETWORKING INC COM 917311805 23 19,686 SH OTHER 19,686 V F CORP COM 918204108 3,526 100,748 SH DEFINED 84,070 150 16,528 V F CORP COM 918204108 504 14,400 SH OTHER 14,400 VENATOR GROUP INC COM 922944103 177 12,800 SH DEFINED 12,800 VERIZON COMMUNICATIONS COM 92343V104 38,083 772,481 SH DEFINED 728,544 5,621 38,316 VERIZON COMMUNICATIONS COM 92343V104 3,303 66,990 SH OTHER 50,811 3,932 12,247 VERTEX PHARMACEUTICALS INC COM 92532F100 733 20,000 SH DEFINED 20,000 VIACOM INC CL B 925524308 693 15,762 SH DEFINED 10,650 4,678 434 VIACOM INC CL B 925524308 40 911 SH OTHER 911 VIVENDI UNIVERSAL SPONSORED ADR 92851S204 141 2,320 SH DEFINED 2,320 VIVENDI UNIVERSAL SPONSORED ADR 92851S204 233 3,840 SH OTHER 3,840 VODAFONE GROUP PLC NEW COM 92857W100 1,036 38,153 SH DEFINED 32,463 2,500 3,190 VODAFONE GROUP PLC NEW COM 92857W100 433 15,934 SH OTHER 9,400 1,234 5,300 VULCAN MATERIALS CO COM 929160109 12,889 275,221 SH DEFINED 273,673 1,548 VULCAN MATERIALS CO COM 929160109 6,603 140,995 SH OTHER 76,735 600 63,660 WACHOVIA CORP COM 929771103 659 10,936 SH DEFINED 9,739 397 800 WACHOVIA CORP COM 929771103 487 8,082 SH OTHER 5,896 30 2,156 WADDELL & REED FINL INC CL A CL A 930059100 99 3,475 SH DEFINED 3,475 WADDELL & REED FINL INC CL A CL A 930059100 596 21,020 SH OTHER 20,602 49 369 WADDELL & REED FINL INC CL B CL B 930059209 426 14,999 SH DEFINED 14,999 WADDELL & REED FINL INC CL B CL B 930059209 2,531 89,058 SH OTHER 87,253 217 1,588 WAL MART STORES INC COM 931142103 46,445 919,705 SH DEFINED 896,045 271 23,389 WAL MART STORES INC COM 931142103 3,409 67,501 SH OTHER 47,829 4,845 14,827 WALGREEN CO COM 931422109 1,119 27,421 SH DEFINED 27,421 WASHINGTON MUTUAL INC COM 939322103 432 7,885 SH DEFINED 7,125 760 WASHINGTON MUTUAL INC COM 939322103 62 1,132 SH OTHER 1,132 WASTE MANAGEMENT COM COM 94106L109 2,045 82,797 SH DEFINED 997 81,800 WASTE MANAGEMENT COM COM 94106L109 49 2,000 SH OTHER 2,000 WATSON PHARMACEUTICALS INC COM 942683103 6,437 122,375 SH DEFINED 122,275 100 WEATHERFORD INTL INC NEW COM 947074100 1,974 40,000 SH DEFINED 40,000 WELLS FARGO & CO NEW COM 949746101 9,665 195,370 SH DEFINED 194,278 91 1,001 WELLS FARGO & CO NEW COM 949746101 1,277 25,818 SH OTHER 17,429 1,189 7,200 WESTAMERICA BANCORPORATION COM 957090103 604 16,000 SH DEFINED 16,000 WEYERHAEUSER CO COM 962166104 878 17,281 SH DEFINED 17,015 116 150 WEYERHAEUSER CO COM 962166104 111 2,179 SH OTHER 1,479 700 WILLIAMS COS INC COM 969457100 6,108 142,534 SH DEFINED 140,010 391 2,133 WILLIAMS COS INC COM 969457100 173 4,047 SH OTHER 3,485 562 WINN DIXIE STORES INC COM 974280109 33 1,165 SH DEFINED 1,165 WINN DIXIE STORES INC COM 974280109 2,149 75,746 SH OTHER 75,516 230 WISCONSIN ENERGY CORP COM 976657106 462 21,430 SH DEFINED 20,430 1,000 WISCONSIN ENERGY CORP COM 976657106 16 736 SH OTHER 736 WORLDCOM INC GA NEW COM 98157D106 13,856 741,464 SH DEFINED 687,600 1,468 52,396 WORLDCOM INC GA NEW COM 98157D106 1,587 84,937 SH OTHER 68,938 2,814 13,185 WRIGLEY WM JR CO COM 982526105 2,915 60,422 SH DEFINED 59,922 500 WRIGLEY WM JR CO COM 982526105 589 12,200 SH OTHER 12,200 XCEL ENERGY INC COM 98389B100 537 17,834 SH DEFINED 17,834 XCEL ENERGY INC COM 98389B100 9 302 SH OTHER 70 232 XILINX INC COM 983919101 1,655 47,124 SH DEFINED 47,124 XEROX CORP COM 984121103 49 8,200 SH DEFINED 5,000 3,200 XEROX CORP COM 984121103 51 8,450 SH OTHER 6,150 2,300