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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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<SEC-DOCUMENT>0000039263-01-500017.txt : 20010507
<SEC-HEADER>0000039263-01-500017.hdr.sgml : 20010507
ACCESSION NUMBER:		0000039263-01-500017
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20010331
FILED AS OF DATE:		20010504

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CULLEN FROST BANKERS INC
		CENTRAL INDEX KEY:			0000039263
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				741751768
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		
		SEC FILE NUMBER:	028-00183
		FILM NUMBER:		1622103

	BUSINESS ADDRESS:	
		STREET 1:		100 W HOUSTON ST
		STREET 2:		P O BOX 1600
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
		BUSINESS PHONE:		2102204841

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FROST BANK CORP
		DATE OF NAME CHANGE:	19770823
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>q10113-f.txt
<DESCRIPTION>13F FILING
<TEXT>

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 13F

                               FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/31/01

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:    VERNON TORGERSON
ADDRESS: FROST NATIONAL BANK
         P.O. BOX 1600
         SAN ANTONIO, TX 78296

13F FILE NUMBER: 28-183
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:     STAN MCCORMICK
TITLE:    COPORATE SECRETARY - SR. V.P.
PHONE:    210-220-4310
SIGNATURE,PLACE,AND DATE OF SIGNING:

  /s/Stan McCormick                 SAN ANTONIO, TX          5/2/01


REPORT TYPE (CHECK ONLY ONE.):

( X)        13F HOLDINGS REPORT

(  )        13F NOTICE

(  )        13F COMBINATION REPORT


LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
  NONE


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
                              FORM 13F SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:        0

FORM 13F INFORMATION TABLE ENTRY TOTAL:    700

FORM 13F INFORMATION TABLE VALUE TOTAL:           $1,973,033
<PAGE>
<TABLE>
                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X1000)  PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                            <C>              <C>       <C>      <C>      <C> <C>  <C>     <C>          <C>      <C>      <C>
H KEMPNER CERT OF BENE INTERES COMMON STOCK     999999998    18246    13606 SH       DEFINED               13405        0      201
A T & T CORP COM *             COMMON STOCK     001957109     5534   259831 SH       DEFINED              257626        0     2205
A T & T CORP COM *             COMMON STOCK     001957109      391    18375 SH       OTHER                 13917     4458        0
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     8208   173931 SH       DEFINED              170531        0     3400
ABBOTT LABORATORIES COM *      COMMON STOCK     002824100     2274    48191 SH       OTHER                 20991    20800     6400
ABERCROMBIE & FITCH CO CLASS A COMMON STOCK     002896207     1913    58500 SH       DEFINED               58500        0        0
ADOBE SYSTEMS INC COM*         COMMON STOCK     00724F101     1324    37850 SH       DEFINED               37850        0        0
ADOBE SYSTEMS INC COM*         COMMON STOCK     00724F101       24      700 SH       OTHER                   700        0        0
AFLAC INC COM *                COMMON STOCK     001055102     2910   105652 SH       DEFINED              105652        0        0
AFLAC INC COM *                COMMON STOCK     001055102      559    20308 SH       OTHER                 20308        0        0
AGILENT TECHNOLOGIES INC COM*  COMMON STOCK     00846U101      470    15280 SH       DEFINED               14933        0      347
AGILENT TECHNOLOGIES INC COM*  COMMON STOCK     00846U101      133     4321 SH       OTHER                  4321        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      836    21777 SH       DEFINED               21777        0        0
AIR PRODUCTS & CHEMICALS INC C COMMON STOCK     009158106      511    13300 SH       OTHER                 13300        0        0
ALBERTO CULVER CO CLASS B      COMMON STOCK     013068101      207     5227 SH       DEFINED                5227        0        0
ALBERTSON'S INC COM *          COMMON STOCK     013104104      320    10052 SH       DEFINED               10052        0        0
ALCOA INC COM*                 COMMON STOCK     013817101    11115   309184 SH       DEFINED              301504        0     7680
ALCOA INC COM*                 COMMON STOCK     013817101      607    16891 SH       OTHER                  8601        0     8290
ALLSTATE CORP COM              COMMON STOCK     020002101      612    14602 SH       DEFINED               14202        0      400
ALLSTATE CORP COM              COMMON STOCK     020002101      299     7126 SH       OTHER                  3126        0     4000
ALLTEL CORP COM *              COMMON STOCK     020039103    53287  1015757 SH       DEFINED             1007099        0     8658
ALLTEL CORP COM *              COMMON STOCK     020039103     2725    51936 SH       OTHER                 51157      779        0
ALTERA CORP COM *              COMMON STOCK     021441100     1079    50334 SH       DEFINED               50334        0        0
ALTERA CORP COM *              COMMON STOCK     021441100      458    21347 SH       OTHER                 21347        0        0
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      836    17793 SH       DEFINED               17493        0      300
AMERICAN ELECTRIC POWER INC CO COMMON STOCK     025537101      189     4020 SH       OTHER                  4020        0        0
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     4674   113163 SH       DEFINED              103788        0     9375
AMERICAN EXPRESS CO COM *      COMMON STOCK     025816109     1103    26708 SH       OTHER                 14848      270    11590
AMERICAN GENERAL CORP COM *    COMMON STOCK     026351106     6569   171740 SH       DEFINED              169940        0     1800
AMERICAN GENERAL CORP COM *    COMMON STOCK     026351106      755    19732 SH       OTHER                 19732        0        0
AMERICAN GREETINGS CORP CLASS  COMMON STOCK     026375105     1707   161000 SH       DEFINED              160918        0       82
AMERICAN GREETINGS CORP CLASS  COMMON STOCK     026375105       27     2583 SH       OTHER                  2583        0        0
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK     026609107    10035   170810 SH       DEFINED              169500        0     1310
AMERICAN HOME PRODUCTS CORP CO COMMON STOCK     026609107     2004    34112 SH       OTHER                 24412     9600      100
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107    18632   231453 SH       DEFINED              224653        0     6800
AMERICAN INT'L GROUP INC COM * COMMON STOCK     026874107     1726    21442 SH       OTHER                 17296     2882     1264
AMERICAN ITALIAN PASTA CO CLAS COMMON STOCK     027070101     1686    52700 SH       DEFINED               52700        0        0
AMERICAN NATIONAL INSURANCE CO COMMON STOCK     028591105      291     4227 SH       DEFINED                   0        0     4227
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107      197    15290 SH       DEFINED               15290        0        0
AMERICAN POWER CONVERSION CORP COMMON STOCK     029066107       47     3630 SH       OTHER                  3630        0        0
AMGEN INC COM *                COMMON STOCK     031162100     2488    41338 SH       DEFINED               41338        0        0
AMGEN INC COM *                COMMON STOCK     031162100      292     4851 SH       OTHER                  4851        0        0
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102      147     8756 SH       DEFINED                   0        0     8756
AMSOUTH BANCORPORATION INC COM COMMON STOCK     032165102       83     4920 SH       OTHER                  4920        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107    12901   205494 SH       DEFINED              205494        0        0
ANADARKO PETROLEUM CORP COM    COMMON STOCK     032511107      190     3027 SH       OTHER                  2927        0      100
ANDREW CORP COM *              COMMON STOCK     034425108      159    11083 SH       DEFINED               11083        0        0
ANDREW CORP COM *              COMMON STOCK     034425108       11      790 SH       OTHER                   790        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103     9420   205095 SH       DEFINED              205095        0        0
ANHEUSER BUSCH COS INC COM *   COMMON STOCK     035229103      438     9545 SH       OTHER                  9545        0        0
ANNTAYLOR STORES CORP COM      COMMON STOCK     036115103     1059    39900 SH       DEFINED               39900        0        0
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105   170999  4258994 SH       DEFINED             4246969        0    12025
AOL TIME WARNER INC COM*       COMMON STOCK     00184A105     1396    34777 SH       OTHER                 19377    14400     1000
AON CORP COM                   COMMON STOCK     037389103      330     9295 SH       DEFINED                7600     1695        0
APOLLO GROUP INC CLASS A       COMMON STOCK     037604105      889    27100 SH       DEFINED               25700        0     1400
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105     1857    42690 SH       DEFINED               42666        0       24
APPLIED MATERIALS INC COM *    COMMON STOCK     038222105       96     2212 SH       OTHER                  1463      649      100
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK     039581103     2251    91495 SH       DEFINED               89605        0     1890
ARCHSTONE COMMUNITIES TRUST SB COMMON STOCK     039581103      667    27100 SH       OTHER                 27100        0        0
ASHLAND INC COM                COMMON STOCK     044204105      212     5530 SH       DEFINED                5530        0        0
AT&T CORP COM LIBERTY MEDIA GR COMMON STOCK     001957208      830    59254 SH       DEFINED               57804        0     1450
ATMOS ENERGY CORP COM          COMMON STOCK     049560105     3777   158685 SH       DEFINED              158685        0        0
ATMOS ENERGY CORP COM          COMMON STOCK     049560105       51     2133 SH       OTHER                  2133        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103     2958    54386 SH       DEFINED               54386        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      149     2734 SH       OTHER                  2734        0        0
AVAYA INC COM                  COMMON STOCK     053499109      937    72077 SH       DEFINED               71687        0      390
AVAYA INC COM                  COMMON STOCK     053499109       10      788 SH       OTHER                   304      318      166
AVERY DENNISON CORP COM *      COMMON STOCK     053611109    18539   356380 SH       DEFINED              349290        0     7090
AVERY DENNISON CORP COM *      COMMON STOCK     053611109     1591    30578 SH       OTHER                 27548      110     2920
AVNET INC COM                  COMMON STOCK     053807103     5320   259536 SH       DEFINED              259536        0        0
AVNET INC COM                  COMMON STOCK     053807103       68     3326 SH       OTHER                  3326        0        0
AVOCENT CORPORATION            COMMON STOCK     053893103      870    39900 SH       DEFINED               39900        0        0
AVX CORP COM                   COMMON STOCK     002444107     6532   378469 SH       DEFINED              378469        0        0
AVX CORP COM                   COMMON STOCK     002444107       96     5572 SH       OTHER                  5572        0        0
BAKER HUGHES INC COM *         COMMON STOCK     057224107     2617    72087 SH       DEFINED               71807        0      280
BAKER HUGHES INC COM *         COMMON STOCK     057224107      429    11808 SH       OTHER                  7798      190     3820
BANK OF AMERICA CORP COM *     COMMON STOCK     060505104     5051    92260 SH       DEFINED               91060        0     1200
BANK OF NEW YORK INC COM       COMMON STOCK     064057102       98     2000 SH       DEFINED                2000        0        0
BANK OF NEW YORK INC COM       COMMON STOCK     064057102      172     3500 SH       OTHER                   800     2700        0
BANK ONE CORP COM*             COMMON STOCK     06423A103      830    22942 SH       DEFINED               11291        0    11651
BANKNORTH GROUP INC            COMMON STOCK     06646R107     3734   187885 SH       DEFINED              187485        0      400
BANKNORTH GROUP INC            COMMON STOCK     06646R107       63     3146 SH       OTHER                  3146        0        0
BANTA CORP                     COMMON STOCK     066821109     1123    46300 SH       DEFINED               46300        0        0
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109    14286   151753 SH       DEFINED              148087        0     3666
BAXTER INTERNATIONAL INC COM * COMMON STOCK     071813109     1569    16662 SH       OTHER                 12757      130     3775
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109     1942    54991 SH       DEFINED               54991        0        0
BECTON DICKINSON & CO COM *    COMMON STOCK     075887109      103     2923 SH       OTHER                  2923        0        0
BED BATH & BEYOND INC COM*     COMMON STOCK     075896100      217     8820 SH       DEFINED                8820        0        0
BELLSOUTH CORP COM *           COMMON STOCK     079860102     4796   117198 SH       DEFINED              115934        0     1264
BELLSOUTH CORP COM *           COMMON STOCK     079860102      830    20280 SH       OTHER                 19552      728        0
BEMIS INC COM*                 COMMON STOCK     081437105      215     6500 SH       OTHER                     0     6000      500
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207      176       81 SH       DEFINED                  80        0        1
BERKSHIRE HATHAWAY INC CLASS B COMMON STOCK     084670207       81       37 SH       OTHER                    37        0        0
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101     3970   110395 SH       DEFINED              102612        0     7783
BEST BUY COMPANY INC COM*      COMMON STOCK     086516101      402    11182 SH       OTHER                  7562        0     3620
BIOGEN INC COM*                COMMON STOCK     090597105     9382   148184 SH       DEFINED              147584        0      600
BIOGEN INC COM*                COMMON STOCK     090597105      624     9855 SH       OTHER                  9855        0        0
BIOMET INC COM                 COMMON STOCK     090613100      513    13021 SH       DEFINED               13021        0        0
BLACK & DECKER CORP COM        COMMON STOCK     091797100     1047    28500 SH       DEFINED               28500        0        0
BLACK HILLS CORP COM           COMMON STOCK     092113109      206     4500 SH       DEFINED                4500        0        0
BLOCK H & R INC COM            COMMON STOCK     093671105     1317    26300 SH       DEFINED               26300        0        0
BMC SOFTWARE INC COM*          COMMON STOCK     055921100      825    38375 SH       DEFINED               37675        0      700
BMC SOFTWARE INC COM*          COMMON STOCK     055921100       30     1400 SH       OTHER                  1400        0        0
BOISE CASCADE CORP COM         COMMON STOCK     097383103      696    22158 SH       DEFINED               22158        0        0
BRINKER INTERNATIONAL INC COM* COMMON STOCK     109641100     1115    39950 SH       DEFINED               39950        0        0
BRINKER INTERNATIONAL INC COM* COMMON STOCK     109641100       84     3000 SH       OTHER                  3000        0        0
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     6758   113775 SH       DEFINED              111925        0     1850
BRISTOL-MYERS SQUIBB CO COM *  COMMON STOCK     110122108     1388    23375 SH       OTHER                 13775        0     9600
BRUSH ENGINEERED MATERIALS INC COMMON STOCK     117421107      272    14600 SH       DEFINED               14600        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      451    14846 SH       DEFINED               14846        0        0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK     12189T104      424    13950 SH       OTHER                 11950     2000        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103     4046    90413 SH       DEFINED               90413        0        0
BURLINGTON RESOURCES INC COM   COMMON STOCK     122014103      183     4099 SH       OTHER                  1908      871     1320
CABOT MICROELECTRONICS CORP CO COMMON STOCK     12709P103     1208    27300 SH       DEFINED               27300        0        0
CABOT MICROELECTRONICS CORP CO COMMON STOCK     12709P103        5      112 SH       OTHER                     0        0      112
CALLAWAY GOLF CO COM           COMMON STOCK     131193104     1466    66000 SH       DEFINED               66000        0        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109     7014   438358 SH       DEFINED              438358        0        0
CAPITAL AUTOMOTIVE REIT        COMMON STOCK     139733109       58     3634 SH       OTHER                  3634        0        0
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108     1642    16967 SH       DEFINED               16867        0      100
CARDINAL HEALTH INC COM*       COMMON STOCK     14149Y108       16      161 SH       OTHER                   161        0        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102     1591    57496 SH       DEFINED               57496        0        0
CARNIVAL CORPORATION COM*      COMMON STOCK     143658102      937    33860 SH       OTHER                 33860        0        0
CATALINA MARKETING CORP*       COMMON STOCK     148867104      283     8700 SH       DEFINED                8700        0        0
CATERPILLAR INC COM *          COMMON STOCK     149123101      244     5491 SH       DEFINED                4591        0      900
CATERPILLAR INC COM *          COMMON STOCK     149123101      113     2552 SH       OTHER                   600     1852      100
CHEVRON CORP COM *             COMMON STOCK     166751107    13673   155728 SH       DEFINED              151459        0     4269
CHEVRON CORP COM *             COMMON STOCK     166751107     1854    21113 SH       OTHER                 13882     4846     2385
CHICAGO BRIDGE & IRON CO NY SH COMMON STOCK     167250109     1093    46000 SH       DEFINED               46000        0        0
CIGNA CORP COM                 COMMON STOCK     125509109      434     4042 SH       DEFINED                4042        0        0
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102     2688   169967 SH       DEFINED              167297        0     2670
CISCO SYSTEM INC COM *         COMMON STOCK     17275R102      330    20870 SH       OTHER                 16550     2020     2300
CIT GROUP INC CLASS A          COMMON STOCK     125577106      202     7000 SH       DEFINED                7000        0        0
CITIGROUP INC COM *            COMMON STOCK     172967101    30402   675898 SH       DEFINED              672292        0     3606
CITIGROUP INC COM *            COMMON STOCK     172967101     4453    98995 SH       OTHER                 87025     6240     5730
CITY NATIONAL CORP COM         COMMON STOCK     178566105     1172    30500 SH       DEFINED               30500        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     3450    63357 SH       DEFINED               62293        0     1064
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102     8051   147868 SH       OTHER                147868        0        0
CLOROX CO COM *                COMMON STOCK     189054109     1411    44864 SH       DEFINED               44064        0      800
CLOROX CO COM *                COMMON STOCK     189054109      791    25164 SH       OTHER                 19564      800     4800
COCA COLA CO COM *             COMMON STOCK     191216100     7617   168657 SH       DEFINED              166455        0     2202
COCA COLA CO COM *             COMMON STOCK     191216100     1337    29597 SH       OTHER                 25397        0     4200
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103     4977    90067 SH       DEFINED               89467        0      600
COLGATE-PALMOLIVE CO COM *     COMMON STOCK     194162103      323     5850 SH       OTHER                  5850        0        0
COMCAST CORP CLASS A SPECIAL   COMMON STOCK     200300200      228     5437 SH       DEFINED                4737        0      700
COMERICA INC COM *             COMMON STOCK     200340107      590     9600 SH       DEFINED                9600        0        0
COMMERCIAL FEDERAL CORP COM    COMMON STOCK     201647104     3733   167412 SH       DEFINED              167412        0        0
COMMERCIAL FEDERAL CORP COM    COMMON STOCK     201647104       46     2066 SH       OTHER                  2066        0        0
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100     9842   540747 SH       DEFINED              518703        0    22044
COMPAQ COMPUTER CORP COM *     COMMON STOCK     204493100     1155    63475 SH       OTHER                 63475        0        0
COMPUTER ASSOC INTL INC COM*   COMMON STOCK     204912109     7275   267448 SH       DEFINED              254498        0    12950
COMPUTER ASSOC INTL INC COM*   COMMON STOCK     204912109      720    26487 SH       OTHER                 26487        0        0
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104     6380   197218 SH       DEFINED              196913        0      305
COMPUTER SCIENCES CORP COM *   COMMON STOCK     205363104     1123    34708 SH       OTHER                 29093      220     5395
CONCORD EFS INC COM            COMMON STOCK     206197105      324     8012 SH       DEFINED                8012        0        0
CONOCO INC CL B WI             COMMON STOCK     208251405      121     4298 SH       DEFINED                4298        0        0
CONOCO INC CL B WI             COMMON STOCK     208251405       87     3070 SH       OTHER                     0     3070        0
CONSECO INC COM                COMMON STOCK     208464107     2268   140850 SH       DEFINED              140680        0      170
CONSECO INC COM                COMMON STOCK     208464107       63     3900 SH       OTHER                  3900        0        0
CONSOLIDATED STORES CORP COM   COMMON STOCK     210149100      925    92000 SH       DEFINED               92000        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100      326     7400 SH       DEFINED                6700        0      700
COOPER COMPANIES INC COM       COMMON STOCK     216648402     1354    28600 SH       DEFINED               28600        0        0
COOPER INDUSTRIES INC COM      COMMON STOCK     216669101      204     6100 SH       DEFINED                6100        0        0
CORNING INC COM*               COMMON STOCK     219350105     1289    62299 SH       DEFINED               62149        0      150
CORNING INC COM*               COMMON STOCK     219350105       67     3240 SH       OTHER                  3240        0        0
COST PLUS INC CALIF COM        COMMON STOCK     221485105     1622    70350 SH       DEFINED               70350        0        0
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105    10159   258838 SH       DEFINED              256788        0     2050
COSTCO WHOLESALE CORP NEW COM* COMMON STOCK     22160K105      386     9830 SH       OTHER                  9830        0        0
COVANTA ENERGY CORPORATION COM COMMON STOCK     22281N103     1501    89354 SH       DEFINED               89354        0        0
COVANTA ENERGY CORPORATION COM COMMON STOCK     22281N103       12      687 SH       OTHER                   687        0        0
COX COMMUNICATIONS INC CLASS A COMMON STOCK     224044107      436     9811 SH       DEFINED                9627        0      184
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105      752    33110 SH       DEFINED               33110        0        0
CRESCENT REAL EST EQTY TRUST   COMMON STOCK     225756105       76     3368 SH       OTHER                   168     1000     2200
CTS CORP COM*                  COMMON STOCK     126501105      679    32727 SH       DEFINED               32727        0        0
CTS CORP COM*                  COMMON STOCK     126501105      158     7630 SH       OTHER                  7630        0        0
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109    11498   335694 SH       DEFINED              295553     7558    32583
CULLEN/FROST BANKERS INC COM   COMMON STOCK     229899109     1529    44655 SH       OTHER                 39567     5088        0
CVS CORP COM *                 COMMON STOCK     126650100      471     8047 SH       DEFINED                8047        0        0
CVS CORP COM *                 COMMON STOCK     126650100       29      500 SH       OTHER                   500        0        0
DEERE & CO COM *               COMMON STOCK     244199105     1782    49050 SH       DEFINED               49050        0        0
DEERE & CO COM *               COMMON STOCK     244199105      471    12970 SH       OTHER                 12970        0        0
DELL COMPUTER CORP COM*        COMMON STOCK     247025109    14473   563440 SH       DEFINED              537045        0    26395
DELL COMPUTER CORP COM*        COMMON STOCK     247025109     1383    53844 SH       OTHER                 39869        0    13975
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105     3642   257055 SH       DEFINED              256986        0       69
DELPHI AUTOMOTIVE SYSTEMS CORP COMMON STOCK     247126105       75     5302 SH       OTHER                  5302        0        0
DELTA & PINE LAND CO           COMMON STOCK     247357106     1285    53300 SH       DEFINED               53300        0        0
DENTSPLY INTERNATIONAL INC NEW COMMON STOCK     249030107      354     9698 SH       DEFINED                9698        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101     4087   186302 SH       DEFINED              186302        0        0
DILLARDS INC CLASS A           COMMON STOCK     254067101       54     2471 SH       OTHER                  2471        0        0
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106     3282   114761 SH       DEFINED              112161        0     2600
DISNEY (WALT) COMPANY HOLDING  COMMON STOCK     254687106      999    34914 SH       OTHER                 23420     6294     5200
DOVER CORP COM *               COMMON STOCK     260003108     1180    32911 SH       DEFINED               32411        0      500
DOVER CORP COM *               COMMON STOCK     260003108       93     2585 SH       OTHER                  2585        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103     1968    62323 SH       DEFINED               62323        0        0
DOW CHEMICAL CO COM *          COMMON STOCK     260543103      142     4509 SH       OTHER                  3609      900        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     4349   106857 SH       DEFINED              106857        0        0
DU PONT E I DE NEMOURS & CO CO COMMON STOCK     263534109     1139    27993 SH       OTHER                 21735     4958     1300
DUKE ENERGY CORP *             COMMON STOCK     264399106     6731   157482 SH       DEFINED              156782        0      700
DUKE ENERGY CORP *             COMMON STOCK     264399106      644    15072 SH       OTHER                 15072        0        0
DYNACQ INTERNATIONAL INC COM   COMMON STOCK     267919306      833    54600 SH       DEFINED               54600        0        0
DYNEGY INC NEW CL A*           COMMON STOCK     26816Q101      898    17604 SH       DEFINED               17604        0        0
DYNEGY INC NEW CL A*           COMMON STOCK     26816Q101      131     2560 SH       OTHER                  2560        0        0
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102    10166   345790 SH       DEFINED              343795        0     1995
E M C CORP MASSACHUSETTS COM * COMMON STOCK     268648102     1144    38911 SH       OTHER                 36736        0     2175
EASTMAN KODAK CO COM *         COMMON STOCK     277461109      214     5354 SH       DEFINED                4654        0      700
EASTMAN KODAK CO COM *         COMMON STOCK     277461109       20      500 SH       OTHER                   500        0        0
ECOLAB INC COM                 COMMON STOCK     278865100      465    10972 SH       DEFINED               10972        0        0
EL PASO CORP COM*              COMMON STOCK     28336L109    18234   279229 SH       DEFINED              274311        0     4918
EL PASO CORP COM*              COMMON STOCK     28336L109     3861    59123 SH       OTHER                 49048     2416     7659
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104     2101    37617 SH       DEFINED               37617        0        0
ELECTRONIC DATA SYSTEMS CORP C COMMON STOCK     285661104       52      924 SH       OTHER                   924        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108      966    12600 SH       DEFINED               12600        0        0
ELI LILLY & CO COM *           COMMON STOCK     532457108      728     9500 SH       OTHER                  9400        0      100
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     6436   103812 SH       DEFINED              102012        0     1800
EMERSON ELECTRIC CO COM *      COMMON STOCK     291011104     1387    22372 SH       OTHER                 13742      200     8430
ENCOMPASS SERVICES CORPORATION COMMON STOCK     29255U104      140    28537 SH       DEFINED               28537        0        0
ENRON CORP COM *               COMMON STOCK     293561106    12909   222183 SH       DEFINED              221153        0     1030
ENRON CORP COM *               COMMON STOCK     293561106     1538    26473 SH       OTHER                 24473        0     2000
ENTERGY CORP NEW COM           COMMON STOCK     29364G103      425    11196 SH       DEFINED               10996        0      200
ENTERGY CORP NEW COM           COMMON STOCK     29364G103       27      700 SH       OTHER                     0        0      700
ENTRAVISION COMMUNICATIONS COM COMMON STOCK     29382R107      161    16250 SH       DEFINED               16250        0        0
ENZO BIOCHEM INC COM           COMMON STOCK     294100102      451    26870 SH       DEFINED               26870        0        0
EXPEDITORS INTL WASHINGTON INC COMMON STOCK     302130109      762    15100 SH       DEFINED               14900        0      200
EXPRESS SCRIPTS INC CLASS A*   COMMON STOCK     302182100      432     4980 SH       DEFINED                4980        0        0
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102    51849   640113 SH       DEFINED              634722        0     5391
EXXON MOBIL CORP COM *         COMMON STOCK     30231G102     9065   111913 SH       OTHER                104049     1836     6028
FAMILY DOLLAR STORES INC COM   COMMON STOCK     307000109     2443    95050 SH       DEFINED               95050        0        0
FANNIE MAE *                   COMMON STOCK     313586109    32519   408524 SH       DEFINED              402367        0     6157
FANNIE MAE *                   COMMON STOCK     313586109     2301    28909 SH       OTHER                 27664      755      490
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107     2249    84000 SH       DEFINED               84000        0        0
FIRST DATA CORP COM *          COMMON STOCK     319963104      983    16466 SH       DEFINED               16466        0        0
FIRST HEALTH GROUP CORP COM    COMMON STOCK     320960107     1877    42784 SH       DEFINED               42784        0        0
FIRSTENERGY CORP COM           COMMON STOCK     337932107      259     9290 SH       DEFINED                9290        0        0
FISERV INC COM *               COMMON STOCK     337738108     4192    93711 SH       DEFINED               93711        0        0
FISERV INC COM *               COMMON STOCK     337738108      551    12321 SH       OTHER                 12321        0        0
FLAG TELECOM HOLDINGS LTD      COMMON STOCK     G3529L102       65    12000 SH       DEFINED               12000        0        0
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108     9645   255496 SH       DEFINED              252848        0     2648
FLEETBOSTON FINANCIAL CORP COM COMMON STOCK     339030108      943    24988 SH       OTHER                 17386        0     7602
FLORIDA ROCK INDUSTRIES INC CO COMMON STOCK     341140101     1093    27700 SH       DEFINED               27700        0        0
FOCUS ENHANCEMENTS INC         COMMON STOCK     344159108       59    67500 SH       DEFINED               67500        0        0
FORD MOTOR COMPANY *           COMMON STOCK     345370860     9006   320288 SH       DEFINED              318725        0     1563
FORD MOTOR COMPANY *           COMMON STOCK     345370860      132     4709 SH       OTHER                  4709        0        0
FOREST LABORATORIES INC COM *  COMMON STOCK     345838106      310     5230 SH       DEFINED                5230        0        0
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101      692    20130 SH       DEFINED               19570        0      560
FORTUNE BRANDS INC COM *       COMMON STOCK     349631101       35     1004 SH       OTHER                  1004        0        0
FOSTER WHEELER CORP COM        COMMON STOCK     350244109     1455    81000 SH       DEFINED               81000        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104     1877    30614 SH       DEFINED               30614        0        0
FPL GROUP INC COM *            COMMON STOCK     302571104       70     1150 SH       OTHER                  1150        0        0
FREDDIE MAC *                  COMMON STOCK     313400301      405     6247 SH       DEFINED                5647        0      600
FREDDIE MAC *                  COMMON STOCK     313400301      282     4350 SH       OTHER                   350        0     4000
FRONTIER AIRLINES INC COM      COMMON STOCK     359065109      574    47100 SH       DEFINED               47100        0        0
G & K SERVICES INC             COMMON STOCK     361268105     1035    51900 SH       DEFINED               51900        0        0
GABELLI ASSET MANAGEMENT INC C COMMON STOCK     36239Y102     1015    30300 SH       DEFINED               30300        0        0
GANNETT CO COM*                COMMON STOCK     364730101      551     9225 SH       DEFINED                9225        0        0
GANNETT CO COM*                COMMON STOCK     364730101       60     1000 SH       OTHER                  1000        0        0
GAP INC COM *                  COMMON STOCK     364760108     2280    96107 SH       DEFINED               95707        0      400
GAP INC COM *                  COMMON STOCK     364760108      122     5164 SH       OTHER                  5164        0        0
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103    42819  1022915 SH       DEFINED             1001895        0    21020
GENERAL ELECTRIC CO COM *      COMMON STOCK     369604103     7415   177134 SH       OTHER                136414    14520    26200
GENERAL MILLS INC COM          COMMON STOCK     370334104      471    10962 SH       DEFINED               10962        0        0
GENERAL MILLS INC COM          COMMON STOCK     370334104      465    10800 SH       OTHER                  4000     6400      400
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832      428    21963 SH       DEFINED               21963        0        0
GENERAL MOTORS CORP CLASS H NE COMMON STOCK     370442832       30     1521 SH       OTHER                  1521        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105     6767   130502 SH       DEFINED              130502        0        0
GENERAL MOTORS CORP COM        COMMON STOCK     370442105      308     5937 SH       OTHER                  5937        0        0
GENTEX CORP COM                COMMON STOCK     371901109     1057    45700 SH       DEFINED               45700        0        0
GILLETTE CO COM *              COMMON STOCK     375766102      746    23947 SH       DEFINED               23247        0      700
GILLETTE CO COM *              COMMON STOCK     375766102       75     2400 SH       OTHER                   400        0     2000
GOODRICH B. F. CO COM          COMMON STOCK     382388106     1658    43200 SH       DEFINED               42700        0      500
GOODRICH B. F. CO COM          COMMON STOCK     382388106       15      400 SH       OTHER                     0        0      400
GRANITE CONSTRUCTION INC COM   COMMON STOCK     387328107     2390    70350 SH       DEFINED               70350        0        0
GRANT PRIDECO INC COM          COMMON STOCK     38821G101      786    45700 SH       DEFINED               45700        0        0
GREY WOLF INC COM              COMMON STOCK     397888108       98    15000 SH       DEFINED               15000        0        0
HAIN CELESTIAL GROUP INC       COMMON STOCK     405217100      484    16700 SH       DEFINED               16700        0        0
HALLIBURTON CO COM *           COMMON STOCK     406216101     3144    85562 SH       DEFINED               84687        0      875
HALLIBURTON CO COM *           COMMON STOCK     406216101      617    16780 SH       OTHER                 12080     3000     1700
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108       87     2300 SH       DEFINED                2300        0        0
HARLEY-DAVIDSON INC COM *      COMMON STOCK     412822108      123     3250 SH       OTHER                  3250        0        0
HARRIS CORP DELAWARE COM       COMMON STOCK     413875105     2238    90428 SH       DEFINED               90428        0        0
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104     1772    30035 SH       DEFINED               29910        0      125
HARTFORD FINANCIAL SERVICES GR COMMON STOCK     416515104      153     2589 SH       OTHER                   189        0     2400
HCA - THE HEALTHCARE COMPANY*  COMMON STOCK     404119109    16246   403435 SH       DEFINED              389071        0    14364
HCA - THE HEALTHCARE COMPANY*  COMMON STOCK     404119109     1297    32208 SH       OTHER                 24658        0     7550
HEALTHSOUTH CORP COM           COMMON STOCK     421924101      941    73000 SH       DEFINED               73000        0        0
HEALTHSOUTH CORP COM           COMMON STOCK     421924101        1      100 SH       OTHER                   100        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103     1313    32650 SH       DEFINED               32650        0        0
HEINZ H. J. CO COM*            COMMON STOCK     423074103      199     4950 SH       OTHER                  3750     1200        0
HELMERICH & PAYNE INC COM      COMMON STOCK     423452101      968    20900 SH       DEFINED               20900        0        0
HERSHEY FOODS CORP COM         COMMON STOCK     427866108      256     3700 SH       DEFINED                3700        0        0
HERSHEY FOODS CORP COM         COMMON STOCK     427866108      139     2000 SH       OTHER                   400        0     1600
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     3384   108216 SH       DEFINED              104646        0     3570
HEWLETT PACKARD CO COM (DEL)*  COMMON STOCK     428236103     1188    37982 SH       OTHER                 27917      320     9745
HIBERNIA CORP CLASS A          COMMON STOCK     428656102      231    16500 SH       DEFINED               11500        0     5000
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102     2871   223400 SH       DEFINED              223400        0        0
HILFIGER TOMMY CORP COM *      COMMON STOCK     G8915Z102       53     4100 SH       OTHER                  4100        0        0
HOME DEPOT INC COM *           COMMON STOCK     437076102     5528   128252 SH       DEFINED              122907        0     5345
HOME DEPOT INC COM *           COMMON STOCK     437076102      485    11248 SH       OTHER                  4848        0     6400
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106     1844    45188 SH       DEFINED               44388        0      800
HONEYWELL INTERNATIONAL INC CO COMMON STOCK     438516106       57     1400 SH       OTHER                  1400        0        0
HOUSEHOLD INTERNATIONAL CORP C COMMON STOCK     441815107      662    11183 SH       DEFINED               11183        0        0
IBP INC COM                    COMMON STOCK     449223106     5004   305106 SH       DEFINED              305106        0        0
IBP INC COM                    COMMON STOCK     449223106       26     1597 SH       OTHER                  1597        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109     1258    22127 SH       DEFINED               22127        0        0
ILLINOIS TOOL WORKS INC COM *  COMMON STOCK     452308109      594    10450 SH       OTHER                 10050        0      400
IMS HEALTH INC COM             COMMON STOCK     449934108      194     7800 SH       DEFINED                7800        0        0
IMS HEALTH INC COM             COMMON STOCK     449934108       25     1000 SH       OTHER                  1000        0        0
INFORMATION ARCHITECTS CORP    COMMON STOCK     45669R107       17    10000 SH       DEFINED               10000        0        0
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102     2394    60283 SH       DEFINED               57483        0     2800
INGERSOLL-RAND CO COM *        COMMON STOCK     456866102      310     7800 SH       OTHER                  7800        0        0
INSITUFORM TECHNOLOGIES INC    COMMON STOCK     457667103     1302    39900 SH       DEFINED               39900        0        0
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101    16575   172328 SH       DEFINED              166446        0     5882
INT'L BUSINESS MACHINES CORP C COMMON STOCK     459200101     3134    32587 SH       OTHER                 23443     4499     4645
INTEL CORP COM *               COMMON STOCK     458140100    16692   634391 SH       DEFINED              615097        0    19294
INTEL CORP COM *               COMMON STOCK     458140100     2343    89039 SH       OTHER                 72474      780    15785
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103     8374   232092 SH       DEFINED              220942        0    11150
INTERNATIONAL PAPER CO COM *   COMMON STOCK     460146103      471    13050 SH       OTHER                 13050        0        0
INTERNATIONAL RECTIFIER CORP C COMMON STOCK     460254105     2554    63050 SH       DEFINED               63050        0        0
INTERNATIONAL RECTIFIER CORP C COMMON STOCK     460254105       41     1000 SH       OTHER                  1000        0        0
INTERTAN INC                   COMMON STOCK     461120107     1592   125815 SH       DEFINED              125815        0        0
INTERTRUST TECHNOLOGIES CORP   COMMON STOCK     46113Q109       68    15000 SH       DEFINED               15000        0        0
INVESTMENT TECHNOLOGY GROUP IN COMMON STOCK     46145F105     3215    62800 SH       DEFINED               62800        0        0
ITT EDUCATIONAL SERVICES INC C COMMON STOCK     45068B109     1948    71900 SH       DEFINED               71900        0        0
ITXC CORP COM                  COMMON STOCK     45069F109      292    51000 SH       DEFINED               51000        0        0
J P MORGAN CHASE & CO COM*     COMMON STOCK     46625H100     2385    53126 SH       DEFINED               52606        0      520
J P MORGAN CHASE & CO COM*     COMMON STOCK     46625H100      441     9826 SH       OTHER                  2246      920     6660
JDS UNIPHASE CORP COM          COMMON STOCK     46612J101      602    32669 SH       DEFINED               32372        0      297
JDS UNIPHASE CORP COM          COMMON STOCK     46612J101       36     1940 SH       OTHER                  1940        0        0
JOHN HANCOCK FINANCIAL SRVCS C COMMON STOCK     41014S106      383     9963 SH       DEFINED                9963        0        0
JOHN HANCOCK FINANCIAL SRVCS C COMMON STOCK     41014S106        4      106 SH       OTHER                   106        0        0
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     6971    79700 SH       DEFINED               76372        0     3328
JOHNSON & JOHNSON COM *        COMMON STOCK     478160104     2833    32393 SH       OTHER                 21183     5770     5440
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107     1726    27639 SH       DEFINED               27519        0      120
JOHNSON CONTROLS INC COM *     COMMON STOCK     478366107      575     9210 SH       OTHER                  9210        0        0
JONES APPAREL GROUP INC COM*   COMMON STOCK     480074103      888    23500 SH       DEFINED               23500        0        0
JONES APPAREL GROUP INC COM*   COMMON STOCK     480074103       76     2000 SH       OTHER                  2000        0        0
K MART CORP COM                COMMON STOCK     482584109      303    32200 SH       DEFINED               32200        0        0
KANSAS CITY POWER & LIGHT CO C COMMON STOCK     485134100      604    24568 SH       DEFINED               23953        0      615
KANSAS CITY POWER & LIGHT CO C COMMON STOCK     485134100       34     1398 SH       OTHER                  1398        0        0
KEYSPAN CORP COM *             COMMON STOCK     49337W100      542    14207 SH       DEFINED               13707        0      500
KEYSPAN CORP COM *             COMMON STOCK     49337W100       45     1168 SH       OTHER                  1168        0        0
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103    21482   316710 SH       DEFINED              307486        0     9224
KIMBERLY CLARK CORP COM *      COMMON STOCK     494368103     1932    28478 SH       OTHER                 23488      170     4820
KNIGHT TRADING GROUP INC COM   COMMON STOCK     499063105      225    15400 SH       DEFINED               15400        0        0
LAFARGE CORP COM               COMMON STOCK     505862102     9037   297848 SH       DEFINED              297848        0        0
LAFARGE CORP COM               COMMON STOCK     505862102      180     5928 SH       OTHER                  5928        0        0
LEGG MASON INC COM             COMMON STOCK     524901105     1267    30092 SH       DEFINED               30092        0        0
LEGGETT & PLATT INC COM        COMMON STOCK     524660107      524    27247 SH       DEFINED               27247        0        0
LINENS N THINGS INC COM        COMMON STOCK     535679104     1477    53700 SH       DEFINED               53700        0        0
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      502    14095 SH       DEFINED               14095        0        0
LOCKHEED MARTIN CORP COM *     COMMON STOCK     539830109      135     3800 SH       OTHER                  3800        0        0
LONGVIEW FIBRE CO COM          COMMON STOCK     543213102      137    10500 SH       DEFINED               10500        0        0
LOWES COS INC COM *            COMMON STOCK     548661107    26078   446151 SH       DEFINED              433935        0    12216
LOWES COS INC COM *            COMMON STOCK     548661107     2888    49403 SH       OTHER                 48383        0     1020
LUBY'S INC COM                 COMMON STOCK     549282101      783   103067 SH       DEFINED              103067        0        0
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107     2225   223178 SH       DEFINED              218700        0     4478
LUCENT TECHNOLOGIES INC COM *  COMMON STOCK     549463107      250    25118 SH       OTHER                 20274     3844     1000
LYONDELL CHEMICAL CO. COM      COMMON STOCK     552078107      148    10300 SH       DEFINED                8800        0     1500
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109     2935    82161 SH       DEFINED               81936        0      225
M D U RESOURCES GROUP INC COM  COMMON STOCK     552690109      102     2869 SH       OTHER                  1749     1012      108
MACROCHEM CORP DELAWARE COM    COMMON STOCK     555903103      199    50658 SH       DEFINED               50658        0        0
MARSHALL & ILSLEY CORP COM     COMMON STOCK     571834100     1020    19320 SH       DEFINED               19320        0        0
MASCO CORP COM *               COMMON STOCK     574599106     2158    89400 SH       DEFINED               89400        0        0
MASSEY ENERGY CORP COM         COMMON STOCK     576206106     2380    99500 SH       DEFINED               99500        0        0
MASSEY ENERGY CORP COM         COMMON STOCK     576206106       24     1000 SH       OTHER                  1000        0        0
MATTEL INC COM                 COMMON STOCK     577081102      208    11718 SH       DEFINED               11718        0        0
MATTEL INC COM                 COMMON STOCK     577081102       16      891 SH       OTHER                     0      891        0
MAXIMUS INC COM                COMMON STOCK     577933104     1809    61100 SH       DEFINED               61100        0        0
MBNA CORP COM *                COMMON STOCK     55262L100    10673   322439 SH       DEFINED              310232        0    12207
MBNA CORP COM *                COMMON STOCK     55262L100      892    26947 SH       OTHER                 22282        0     4665
MCDONALD'S CORP COM *          COMMON STOCK     580135101     2359    88860 SH       DEFINED               85570        0     3290
MCDONALD'S CORP COM *          COMMON STOCK     580135101      226     8500 SH       OTHER                  8500        0        0
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109    13779   230995 SH       DEFINED              223064        0     7931
MCGRAW HILL COMPANIES INC. *   COMMON STOCK     580645109     2079    34848 SH       OTHER                 29633      190     5025
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306     1214   297510 SH       DEFINED              297510        0        0
MEDITRUST CORP PAIRED STOCK    COMMON STOCK     58501T306       17     4288 SH       OTHER                  4158        0      130
MEDTRONIC INC COM *            COMMON STOCK     585055106    20158   440704 SH       DEFINED              426532        0    14172
MEDTRONIC INC COM *            COMMON STOCK     585055106     1647    36007 SH       OTHER                 30027      250     5730
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108      243     6000 SH       DEFINED                6000        0        0
MELLON FINANCIAL CORP COM      COMMON STOCK     58551A108       49     1200 SH       OTHER                  1200        0        0
MENTOR GRAPHICS CORP COM       COMMON STOCK     587200106     1526    74000 SH       DEFINED               74000        0        0
MERCK & CO INC COM *           COMMON STOCK     589331107     8435   111133 SH       DEFINED              109833        0     1300
MERCK & CO INC COM *           COMMON STOCK     589331107     2421    31898 SH       OTHER                 27500        0     4398
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      553     9980 SH       DEFINED                9780        0      200
MERRILL LYNCH & CO INC COM     COMMON STOCK     590188108      355     6400 SH       OTHER                  6400        0        0
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103     4013    58658 SH       DEFINED               58208        0      450
MGIC INVESTMENT CORP WISCONSIN COMMON STOCK     552848103      123     1800 SH       OTHER                  1800        0        0
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104    24015   439136 SH       DEFINED              428409        0    10727
MICROSOFT CORP WASHINGTON COM  COMMON STOCK     594918104     2217    40539 SH       OTHER                 32719     1215     6605
MID ATLANTIC MED SVCS INC COM  COMMON STOCK     59523C107     1317    64900 SH       DEFINED               64900        0        0
MILLIPORE CORP COM *           COMMON STOCK     601073109     1036    22396 SH       DEFINED               21646        0      750
MILLIPORE CORP COM *           COMMON STOCK     601073109      337     7285 SH       OTHER                  1715      225     5345
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105    15342   147666 SH       DEFINED              143391        0     4275
MINNESOTA MINING & MANUFACTURI COMMON STOCK     604059105     2209    21260 SH       OTHER                 12960     5800     2500
MITCHELL ENERGY & DEV CORP CLA COMMON STOCK     606592202     1591    30306 SH       DEFINED               30306        0        0
MOBILE MINI INC COM            COMMON STOCK     60740F105     1301    47209 SH       DEFINED               47209        0        0
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448     8179   152882 SH       DEFINED              152514        0      368
MORGAN STANLEY, DEAN WITTER &  COMMON STOCK     617446448      159     2978 SH       OTHER                  2978        0        0
MOTOROLA INC COM *             COMMON STOCK     620076109      742    52007 SH       DEFINED               51511        0      496
MOTOROLA INC COM *             COMMON STOCK     620076109      581    40740 SH       OTHER                 35340     2700     2700
MURPHY OIL CORPORATION COM     COMMON STOCK     626717102     1711    25700 SH       DEFINED               25700        0        0
NASDAQ 100 SHARES              COMMON STOCK     631100104      303     7748 SH       DEFINED                5494        0     2254
NASDAQ 100 SHARES              COMMON STOCK     631100104       23      600 SH       OTHER                   600        0        0
NATIONAL SERVICES INDUSTRIES I COMMON STOCK     637657107     1970    84000 SH       DEFINED               84000        0        0
NATIONAL SERVICES INDUSTRIES I COMMON STOCK     637657107       12      500 SH       OTHER                     0        0      500
NATIONAL-OILWELL INC COM       COMMON STOCK     637071101      874    25250 SH       DEFINED               24900        0      350
NEW ERA OF NETWORKS INC COM    COMMON STOCK     644312100       87    14730 SH       DEFINED               14730        0        0
NEW PLAN EXCEL REALTY TRUST IN COMMON STOCK     648053106     1150    71900 SH       DEFINED               70600        0     1300
NEWELL RUBBERMAID INC COM      COMMON STOCK     651229106      143     5380 SH       DEFINED                5380        0        0
NEWELL RUBBERMAID INC COM      COMMON STOCK     651229106      125     4728 SH       OTHER                     0     4728        0
NICOR INC COM *                COMMON STOCK     654086107      981    26310 SH       DEFINED               26220        0       90
NICOR INC COM *                COMMON STOCK     654086107      713    19120 SH       OTHER                 11360        0     7760
NIKE INC CLASS B *             COMMON STOCK     654106103      214     5288 SH       DEFINED                5288        0        0
NISOURCE INC COM               COMMON STOCK     65473P105       23      731 SH       DEFINED                 731        0        0
NISOURCE INC COM               COMMON STOCK     65473P105     1093    35135 SH       OTHER                     0        0    35135
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104    14990   359206 SH       DEFINED              359206        0        0
NOBLE AFFILIATES INC COM       COMMON STOCK     654894104      154     3696 SH       OTHER                  3696        0        0
NOBLE DRILLING CORP COM        COMMON STOCK     655042109     1401    30350 SH       DEFINED               25850        0     4500
NOBLE DRILLING CORP COM        COMMON STOCK     655042109       37      800 SH       OTHER                   800        0        0
OCCIDENTAL PETROLEUM CORP COM  COMMON STOCK     674599105      386    15604 SH       DEFINED               15604        0        0
OMNICOM GROUP COM *            COMMON STOCK     681919106    13557   163579 SH       DEFINED              156779        0     6800
OMNICOM GROUP COM *            COMMON STOCK     681919106     2043    24649 SH       OTHER                 24649        0        0
ORACLE CORPORATION*            COMMON STOCK     68389X105     3984   265928 SH       DEFINED              265838        0       90
ORACLE CORPORATION*            COMMON STOCK     68389X105       44     2970 SH       OTHER                  2970        0        0
ORIENT-EXPRESS HOTELS INC      COMMON STOCK     G67743107      713    39600 SH       DEFINED               39600        0        0
OXFORD HEALTH PLANS INC COM    COMMON STOCK     691471106     1089    40700 SH       DEFINED               40700        0        0
PACIFIC SUNWEAR OF CALIFORNIA  COMMON STOCK     694873100      979    35600 SH       DEFINED               35600        0        0
PARAMETRIC TECHNOLOGY CORP COM COMMON STOCK     699173100       99    10950 SH       DEFINED               10950        0        0
PARK PLACE ENTERTAINMENT CORP  COMMON STOCK     700690100      120    11700 SH       DEFINED               11500        0      200
PEPSICO INC COM*               COMMON STOCK     713448108     4795   109095 SH       DEFINED              105795        0     3300
PEPSICO INC COM*               COMMON STOCK     713448108     2335    53122 SH       OTHER                 33567     3960    15595
PERKINELMER INC COM            COMMON STOCK     714046109     1290    24600 SH       DEFINED               24600        0        0
PFIZER INC COM *               COMMON STOCK     717081103    17573   429124 SH       DEFINED              427484        0     1640
PFIZER INC COM *               COMMON STOCK     717081103     4699   114740 SH       OTHER                 91522    16128     7090
PHARMACIA CORP COM*            COMMON STOCK     71713U102    13805   274078 SH       DEFINED              272556        0     1522
PHARMACIA CORP COM*            COMMON STOCK     71713U102     1022    20296 SH       OTHER                 10806     2990     6500
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107     5945   125297 SH       DEFINED              123997        0     1300
PHILIP MORRIS COS INC COM *    COMMON STOCK     718154107      778    16400 SH       OTHER                 15900      500        0
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106      284     5150 SH       DEFINED                4850        0      300
PHILLIPS PETROLEUM CO COM      COMMON STOCK     718507106       55     1000 SH       OTHER                   800        0      200
PITNEY BOWES INC COM *         COMMON STOCK     724479100     1689    48600 SH       DEFINED               48600        0        0
PLEXUS CORP COM                COMMON STOCK     729132100     1135    44300 SH       DEFINED               44300        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      298     4400 SH       DEFINED                4400        0        0
PPG INDUSTRIES INC COM *       COMMON STOCK     693506107      249     5400 SH       DEFINED                5400        0        0
PPL CORPORATION COM*           COMMON STOCK     69351T106     1934    44000 SH       DEFINED               44000        0        0
PRECISION CASTPARTS CORP COM   COMMON STOCK     740189105      267     8080 SH       DEFINED                8080        0        0
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     8815   140817 SH       DEFINED              140187        0      630
PROCTER & GAMBLE CO COM *      COMMON STOCK     742718109     1141    18228 SH       OTHER                 15980        0     2248
PROLOGIS TRUST INC COM         COMMON STOCK     743410102     4342   216226 SH       DEFINED              216226        0        0
PROLOGIS TRUST INC COM         COMMON STOCK     743410102       65     3218 SH       OTHER                  3218        0        0
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102     6111   124591 SH       DEFINED              124221        0      370
PROVIDIAN FINANCIAL CORP COM * COMMON STOCK     74406A102      155     3163 SH       OTHER                  3163        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      155     1600 SH       DEFINED                1600        0        0
QUAKER OATS CO COM             COMMON STOCK     747402105      272     2800 SH       OTHER                     0     1800     1000
QUALCOMM INC COM               COMMON STOCK     747525103      390     6892 SH       DEFINED                6774        0      118
QUANTA SERVICES INC COM        COMMON STOCK     74762E102     1489    66700 SH       DEFINED               66700        0        0
QUIKSILVER INC COM             COMMON STOCK     74838C106     1439    54200 SH       DEFINED               54200        0        0
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109     9746   278047 SH       DEFINED              270052        0     7995
QWEST COMMUNICATIONS INTERNATI COMMON STOCK     749121109      877    25030 SH       OTHER                 25030        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103     2657    72431 SH       DEFINED               72431        0        0
RADIOSHACK CORP COM            COMMON STOCK     750438103        7      200 SH       OTHER                   200        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309      365    12492 SH       DEFINED               12492        0        0
RAYTHEON CO CLASS A            COMMON STOCK     755111309        9      315 SH       OTHER                   315        0        0
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108     5058   111783 SH       DEFINED              109633        0     2150
RELIANT ENERGY INC COM*        COMMON STOCK     75952J108      197     4350 SH       OTHER                  4350        0        0
REMEC INC COM                  COMMON STOCK     759543101      977    97700 SH       DEFINED               97700        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109     1300    35774 SH       DEFINED               35774        0        0
ROCKWELL INTERNATIONAL CORP NE COMMON STOCK     773903109      204     5616 SH       OTHER                  2316        0     3300
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100     1007    21800 SH       DEFINED               21800        0        0
SABRE HOLDINGS CORPORATION*    COMMON STOCK     785905100       69     1500 SH       OTHER                  1500        0        0
SAFEWAY INC COM NEW *          COMMON STOCK     786514208     7740   140342 SH       DEFINED              139492        0      850
SAFEWAY INC COM NEW *          COMMON STOCK     786514208      385     6982 SH       OTHER                  6982        0        0
SANMINA CORP COM*              COMMON STOCK     800907107      727    37145 SH       DEFINED               37145        0        0
SANMINA CORP COM*              COMMON STOCK     800907107      133     6800 SH       OTHER                  6800        0        0
SARA LEE CORP COM *            COMMON STOCK     803111103     2907   134717 SH       DEFINED              117667        0    17050
SARA LEE CORP COM *            COMMON STOCK     803111103      473    21900 SH       OTHER                 21900        0        0
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103    24346   545498 SH       DEFINED              537320        0     8178
SBC COMMUNICATIONS INC COM *   COMMON STOCK     78387G103     3663    82076 SH       OTHER                 66963      340    14773
SCANA CORP COM NEW             COMMON STOCK     80589M102     6858   252603 SH       DEFINED              252423        0      180
SCANA CORP COM NEW             COMMON STOCK     80589M102      104     3822 SH       OTHER                  3822        0        0
SCHEIN HENRY INC COM           COMMON STOCK     806407102     1382    37600 SH       DEFINED               37600        0        0
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101     8977   245735 SH       DEFINED              229825        0    15910
SCHERING-PLOUGH CORP COM *     COMMON STOCK     806605101      880    24080 SH       OTHER                 19180        0     4900
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108    13341   231568 SH       DEFINED              224148        0     7420
SCHLUMBERGER LIMITED COM *     COMMON STOCK     806857108     1379    23930 SH       OTHER                 20475      100     3355
SCI SYSTEMS INC COM*           COMMON STOCK     783890106      631    34645 SH       DEFINED               34245        0      400
SCI SYSTEMS INC COM*           COMMON STOCK     783890106      112     6130 SH       OTHER                  6130        0        0
SCIENTIFIC-ATLANTA INC COM     COMMON STOCK     808655104     1684    40500 SH       DEFINED               40500        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108      226     6403 SH       DEFINED                6403        0        0
SEARS ROEBUCK & CO COM *       COMMON STOCK     812387108       71     2000 SH       OTHER                  2000        0        0
SEEBEYOND TECHNOLOGY CORP COM  COMMON STOCK     815704101      128    10000 SH       DEFINED               10000        0        0
SEI INVESTMENTS CO COM*        COMMON STOCK     784117103     4635   148606 SH       DEFINED              147606        0     1000
SEI INVESTMENTS CO COM*        COMMON STOCK     784117103       90     2876 SH       OTHER                  2876        0        0
SENSORMATIC ELECTRONICS CORP C COMMON STOCK     817265101     1596    84000 SH       DEFINED               84000        0        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106     3321   130333 SH       DEFINED              130333        0        0
SHERWIN-WILLIAMS CO COM *      COMMON STOCK     824348106       56     2203 SH       OTHER                  2203        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101       48     1000 SH       DEFINED                1000        0        0
SIGMA-ALDRICH CORP COM         COMMON STOCK     826552101      192     4000 SH       OTHER                  4000        0        0
SILVERSTAR HOLDINGS LTD ORD    COMMON STOCK     G81365101       13    15000 SH       DEFINED               15000        0        0
SIMPSON MANUFACTURING CO INC C COMMON STOCK     829073105      833    16900 SH       DEFINED               16900        0        0
SKYWEST INC COM                COMMON STOCK     830879102     1883    81000 SH       DEFINED               81000        0        0
SOUTHERN CO COM                COMMON STOCK     842587107      884    25183 SH       DEFINED               25183        0        0
SOUTHERN CO COM                COMMON STOCK     842587107      121     3458 SH       OTHER                  2158        0     1300
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     4208   237088 SH       DEFINED              231258        0     5830
SOUTHWEST AIRLINES CO COM *    COMMON STOCK     844741108     2277   128309 SH       OTHER                112999        0    15310
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102     5221   250426 SH       DEFINED              250426        0        0
SOUTHWEST GAS CORP COM         COMMON STOCK     844895102      128     6121 SH       OTHER                  4306     1815        0
STANDARD PACIFIC CORP COM STOC COMMON STOCK     85375C101      975    46200 SH       DEFINED               46200        0        0
STAPLES INC COM (RETAIL&DELIVE COMMON STOCK     855030102     1145    76966 SH       DEFINED               76216        0      750
STAPLES INC COM (RETAIL&DELIVE COMMON STOCK     855030102       60     4050 SH       OTHER                  4050        0        0
STATE STREET CORP*             COMMON STOCK     857477103      399     4271 SH       DEFINED                4271        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      666    38062 SH       DEFINED               38062        0        0
STERLING BANCSHARES INC COM    COMMON STOCK     858907108      350    20000 SH       OTHER                 20000        0        0
STEWART & STEVENSON SERVICES I COMMON STOCK     860342104      314    14415 SH       DEFINED               14415        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      781    14950 SH       DEFINED               14950        0        0
STRYKER CORP COM *             COMMON STOCK     863667101      585    11200 SH       OTHER                 11200        0        0
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104     3702   240867 SH       DEFINED              239887        0      980
SUN MICROSYSTEMS INC COM *     COMMON STOCK     866810104      341    22215 SH       OTHER                 18215        0     4000
SUNTRUST BANKS INC COM         COMMON STOCK     867914103      263     4062 SH       DEFINED                4062        0        0
SUNTRUST BANKS INC COM         COMMON STOCK     867914103       19      300 SH       OTHER                   100        0      200
SWIFT TRANSPORTATION INC COM   COMMON STOCK     870756103      588    31800 SH       DEFINED               31800        0        0
SYLVAN LEARNING SYSTEMS INC CO COMMON STOCK     871399101      893    43300 SH       DEFINED               43300        0        0
SYNTROLEUM CORP COM            COMMON STOCK     871630109      433    30000 SH       DEFINED               30000        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     4389   165556 SH       DEFINED              165556        0        0
SYSCO CORP COM *               COMMON STOCK     871829107     9849   371510 SH       OTHER                371510        0        0
TARGET CORP COM *              COMMON STOCK     87612E106     1027    28468 SH       DEFINED               28108        0      360
TARGET CORP COM *              COMMON STOCK     87612E106      418    11594 SH       OTHER                 11594        0        0
TECH DATA CORP COM*            COMMON STOCK     878237106      823    27882 SH       DEFINED               27882        0        0
TECH DATA CORP COM*            COMMON STOCK     878237106      179     6060 SH       OTHER                  6060        0        0
TELEFLEX INC COM*              COMMON STOCK     879369106      307     7500 SH       DEFINED                7500        0        0
TELLABS INC COM*               COMMON STOCK     879664100     1897    46632 SH       DEFINED               46632        0        0
TELLABS INC COM*               COMMON STOCK     879664100      289     7100 SH       OTHER                  7100        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107    30108   680405 SH       DEFINED              680405        0        0
TEMPLE-INLAND INC COM          COMMON STOCK     879868107       48     1080 SH       OTHER                     0     1080        0
TEXACO INC COM *               COMMON STOCK     881694103    13805   207900 SH       DEFINED              201100        0     6800
TEXACO INC COM *               COMMON STOCK     881694103     1365    20559 SH       OTHER                 16959      400     3200
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104    18138   585469 SH       DEFINED              572024        0    13445
TEXAS INSTRUMENTS INC COM *    COMMON STOCK     882508104     1046    33748 SH       OTHER                 30268      170     3310
TEXTRON INC COM *              COMMON STOCK     883203101     3392    59675 SH       DEFINED               59475        0      200
TEXTRON INC COM *              COMMON STOCK     883203101      883    15534 SH       OTHER                 11934     3600        0
THE MCCLATCHY CO CLASS A COM   COMMON STOCK     579489105      812    20100 SH       DEFINED               20100        0        0
TOLLGRADE COMMUNICATIONS INC C COMMON STOCK     889542106      778    30200 SH       DEFINED               30200        0        0
TORCHMARK CORP COM             COMMON STOCK     891027104      259     6678 SH       DEFINED                6678        0        0
TRACTOR SUPPLY CO COM          COMMON STOCK     892356106     1673   119500 SH       DEFINED              119500        0        0
TXU CORP COM *                 COMMON STOCK     873168108     3054    73919 SH       DEFINED               72989        0      930
TXU CORP COM *                 COMMON STOCK     873168108      802    19407 SH       OTHER                  8603     1014     9790
TYCO INTL LTD NEW COM*         COMMON STOCK     902124106    16111   372681 SH       DEFINED              362516        0    10165
TYCO INTL LTD NEW COM*         COMMON STOCK     902124106     1573    36383 SH       OTHER                 27806        0     8577
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106     4203   116182 SH       DEFINED              114982        0     1200
ULTRAMAR DIAMOND SHAMROCK CORP COMMON STOCK     904000106       51     1400 SH       OTHER                  1400        0        0
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      226     3090 SH       DEFINED                2590        0      500
UNITED TECHNOLOGIES CORP COM   COMMON STOCK     913017109      310     4224 SH       OTHER                  3200     1024        0
UNOCAL CORP COM *              COMMON STOCK     915289102     2569    74312 SH       DEFINED               74312        0        0
UNOCAL CORP COM *              COMMON STOCK     915289102      114     3300 SH       OTHER                  3300        0        0
US BANCORP DEL COM NEW         COMMON STOCK     902973304      289    12461 SH       DEFINED               12461        0        0
US BANCORP DEL COM NEW         COMMON STOCK     902973304       63     2700 SH       OTHER                  2700        0        0
USA EDUCATION INC              COMMON STOCK     90390U102      320     4400 SH       DEFINED                4400        0        0
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100     5949   188853 SH       DEFINED              188653        0      200
USFREIGHTWAYS CORP COM *       COMMON STOCK     916906100      466    14802 SH       OTHER                  5532        0     9270
UST INC COM                    COMMON STOCK     902911106      406    13500 SH       DEFINED               12500        0     1000
USX-MARATHON GROUP COM*        COMMON STOCK     902905827      355    13187 SH       DEFINED               12987        0      200
UTI ENERGY CORP COM            COMMON STOCK     903387108      943    31176 SH       DEFINED               31176        0        0
VARCO INTL INC DEL COM         COMMON STOCK     922122106     1018    49294 SH       DEFINED               49294        0        0
VARI-LITE INTERNATIONAL INC CO COMMON STOCK     922152103      404   248814 SH       DEFINED              248814        0        0
VARIAN INC COM                 COMMON STOCK     922206107     1925    75300 SH       DEFINED               75300        0        0
VARIAN MEDICAL SYSTEMS INC COM COMMON STOCK     92220P105     2017    33177 SH       DEFINED               33177        0        0
VENATOR GROUP INC COM          COMMON STOCK     922944103     2859   207164 SH       DEFINED              207164        0        0
VENTAS INC COM                 COMMON STOCK     92276F100     4560   536437 SH       DEFINED              536437        0        0
VENTAS INC COM                 COMMON STOCK     92276F100       26     3055 SH       OTHER                  3055        0        0
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104    16114   326858 SH       DEFINED              322912        0     3946
VERIZON COMMUNICATIONS*        COMMON STOCK     92343V104     1844    37398 SH       OTHER                 35558        0     1840
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108     3196   160620 SH       DEFINED              160620        0        0
VISHAY INTERTECHNOLOGY INC COM COMMON STOCK     928298108      237    11890 SH       OTHER                 11890        0        0
VISTEON CORP COM               COMMON STOCK     92839U107      194    12889 SH       DEFINED               12889        0        0
VISTEON CORP COM               COMMON STOCK     92839U107        3      202 SH       OTHER                   202        0        0
WADDELL & REED FINANCIAL INC C COMMON STOCK     930059100     1254    44250 SH       DEFINED               44250        0        0
WAL MART STORES INC COM *      COMMON STOCK     931142103    10984   217497 SH       DEFINED              211672        0     5825
WAL MART STORES INC COM *      COMMON STOCK     931142103     2591    51301 SH       OTHER                 45036      430     5835
WALGREEN CO COM                COMMON STOCK     931422109     1485    36389 SH       DEFINED               35567        0      822
WALGREEN CO COM                COMMON STOCK     931422109      114     2800 SH       OTHER                     0        0     2800
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109     7008   285306 SH       DEFINED              285306        0        0
WASHINGTON FEDERAL INC COM     COMMON STOCK     938824109       83     3388 SH       OTHER                  3388        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      460     8400 SH       DEFINED                8400        0        0
WASHINGTON MUTUAL INC COM      COMMON STOCK     939322103      134     2443 SH       OTHER                     0     2443        0
WASTE MANAGEMENT DEL INC COM   COMMON STOCK     94106L109      324    13100 SH       DEFINED               13100        0        0
WAUSAU-MOSINEE PAPER CORP COM  COMMON STOCK     943315101      394    30293 SH       DEFINED               30293        0        0
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101    17911   362067 SH       DEFINED              356267        0     5800
WELLS FARGO & CO NEW COM *     COMMON STOCK     949746101     2091    42273 SH       OTHER                 34273     4000     4000
WENDY'S INTERNATIONAL INC COM  COMMON STOCK     950590109      441    19750 SH       DEFINED               19750        0        0
WESTPORT RESOURCES CORP COM    COMMON STOCK     961415106     1237    58900 SH       DEFINED               58900        0        0
WHIRLPOOL CORP COM             COMMON STOCK     963320106     1515    30300 SH       DEFINED               30300        0        0
WHOLE FOODS MARKET INC COM     COMMON STOCK     966837106     1154    27400 SH       DEFINED               27400        0        0
WILLAMETTE INDUSTRIES INC COM* COMMON STOCK     969133107      405     8800 SH       OTHER                     0     8800        0
WILLIAMS COS COM *             COMMON STOCK     969457100    19153   446987 SH       DEFINED              435684        0    11303
WILLIAMS COS COM *             COMMON STOCK     969457100     2606    60824 SH       OTHER                 51589      270     8965
WILLIAMS SONOMA INC COM*       COMMON STOCK     969904101     1100    41900 SH       DEFINED               41900        0        0
WILSONS LEATHER EXPERTS INC    COMMON STOCK     972463103     1191    62500 SH       DEFINED               62500        0        0
WORLDCOM INC COM *             COMMON STOCK     98157D106    12620   675332 SH       DEFINED              650772        0    24560
WORLDCOM INC COM *             COMMON STOCK     98157D106     1108    59316 SH       OTHER                 59316        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105       99     2053 SH       DEFINED                2053        0        0
WRIGLEY WM JR CO COM           COMMON STOCK     982526105      145     3000 SH       OTHER                     0        0     3000
XCEL ENERGY INC *              COMMON STOCK     98389B100    13518   448955 SH       DEFINED              447997        0      958
XCEL ENERGY INC *              COMMON STOCK     98389B100      197     6544 SH       OTHER                  6544        0        0
XILINX INC COM*                COMMON STOCK     983919101      381    10855 SH       DEFINED               10855        0        0
XILINX INC COM*                COMMON STOCK     983919101        1       25 SH       OTHER                    25        0        0
ZEBRA TECHNOLOGIES CORP CLASS  COMMON STOCK     989207105      275     7200 SH       DEFINED                7200        0        0
AGRIUM INC COM                 COMMON STOCK     008916108     9246   733801 SH       DEFINED              733801        0        0
AGRIUM INC COM                 COMMON STOCK     008916108       95     7527 SH       OTHER                  7527        0        0
ASA LTD                        COMMON STOCK     002050102      165    10000 SH       DEFINED               10000        0        0
ASTRAZENECA PLC SPN ADR        COMMON STOCK     046353108      531    11000 SH       DEFINED               11000        0        0
BP AMOCO PLC SPONSORED ADR*    COMMON STOCK     055622104    13196   265940 SH       DEFINED              256928        0     9012
BP AMOCO PLC SPONSORED ADR*    COMMON STOCK     055622104     3209    64675 SH       OTHER                 51434     8717     4524
BRITISH AIRWAYS PLC SPONSORED  COMMON STOCK     110419306      636    13900 SH       DEFINED               13900        0        0
BRITISH TELECOMMUNICATIONS PLC COMMON STOCK     111021408      624     8400 SH       DEFINED                8400        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102     3980   105646 SH       DEFINED              105646        0        0
CANADIAN NATIONAL RAILWAY CO   COMMON STOCK     136375102       46     1224 SH       OTHER                  1224        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101      840    29107 SH       DEFINED               29107        0        0
CANADIAN NATURAL RESOURCES LTD COMMON STOCK     136385101        7      240 SH       OTHER                   240        0        0
CANADIAN PACIFIC LTD NEW COM   COMMON STOCK     135923100      411    11200 SH       DEFINED               11200        0        0
CORUS GROUP PLC SPONSORED ADR  COMMON STOCK     22087M101      470    54000 SH       DEFINED               54000        0        0
DSG INTERNATIONAL LIMITED ORD  COMMON STOCK     G28471103      114    16000 SH       DEFINED               16000        0        0
ENDESA S.A. SPONSORED ADR      COMMON STOCK     29258N107      927    56000 SH       DEFINED               56000        0        0
ENI SPA SONSORED ADR           COMMON STOCK     26874R108      750    11586 SH       DEFINED               11586        0        0
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302    12082   495179 SH       DEFINED              495179        0        0
ENTERPRISE OIL PLC SPONSORED A COMMON STOCK     293779302      127     5199 SH       OTHER                  5199        0        0
GLAXOSMITHKLINE PLC ADR'S      COMMON STOCK     37733W105     1558    29797 SH       DEFINED               29497        0      300
GLAXOSMITHKLINE PLC ADR'S      COMMON STOCK     37733W105        6      117 SH       OTHER                     0        0      117
HITACHI LTD ADR                COMMON STOCK     433578507      785     9000 SH       DEFINED                9000        0        0
ING GROEP N V SPONSORED ADR    COMMON STOCK     456837103      295     4534 SH       DEFINED                4534        0        0
KONINKLIJKE PHILIPS ELECTRS N  COMMON STOCK     500472303      949    35526 SH       DEFINED               35526        0        0
KOREA ELECTRIC POWER CORP SPON COMMON STOCK     500631106      374    46000 SH       DEFINED               46000        0        0
KOREA TELECOM CORP SPONSORED A COMMON STOCK     50063P103      383    16500 SH       DEFINED               16500        0        0
MANULIFE FINANCIAL CORP COM    COMMON STOCK     56501R106      701    26565 SH       DEFINED               26565        0        0
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204    13598   566569 SH       DEFINED              560604        0     5965
NOKIA CORP SPONSORED PREFERENC COMMON STOCK     654902204     1275    53136 SH       OTHER                 45886        0     7250
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605     9991   242432 SH       DEFINED              242181        0      251
NORSK HYDRO A. S. SPONSORED AD COMMON STOCK     656531605      121     2933 SH       OTHER                  2218      676       39
NORTEL NETWORKS CORP NEW COM * COMMON STOCK     656568102     2966   211074 SH       DEFINED              210114        0      960
NORTEL NETWORKS CORP NEW COM * COMMON STOCK     656568102      273    19427 SH       OTHER                 19427        0        0
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207     5185   244557 SH       DEFINED              244486        0       71
PECHINEY SA SPONSORED ADR      COMMON STOCK     705151207       91     4291 SH       OTHER                  4291        0        0
PETROLEO BRASILEIRO SA PETROBR COMMON STOCK     71654V408      393    16500 SH       DEFINED               16500        0        0
PORTUGAL TELECOM SGPS S A      COMMON STOCK     737273102      615    71500 SH       DEFINED               71500        0        0
POWERGEN PLC SPONS ADR-FINAL I COMMON STOCK     738905405      784    18500 SH       DEFINED               18500        0        0
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103     2720    38846 SH       DEFINED               38846        0        0
RENAISSANCE RE HOLDINGS LTD CO COMMON STOCK     G7496G103       18      261 SH       OTHER                   261        0        0
REPSOL YPF S.A. SPONSORED ADR  COMMON STOCK     76026T205     1022    57500 SH       DEFINED               57500        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804     2377    42874 SH       DEFINED               42874        0        0
ROYAL DUTCH PETROLEUM CO NY SH COMMON STOCK     780257804      519     9370 SH       OTHER                  5170        0     4200
SAN PAOLO-IMI S P A SPONSORED  COMMON STOCK     799175104      461    17000 SH       DEFINED               17000        0        0
SAP AKTIENGESELLSCHAFT SPONSOR COMMON STOCK     803054204      371    12800 SH       DEFINED               12800        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705     3591   136950 SH       DEFINED              136950        0        0
SCOTTISH POWER PLC SPON ADR    COMMON STOCK     81013T705       55     2094 SH       OTHER                  1846        0      248
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609      900    19250 SH       DEFINED               19250        0        0
SHELL TRANS & TRADING PLC NY S COMMON STOCK     822703609        7      150 SH       OTHER                   150        0        0
SONY CORP AMERICAN SHARES NEW  COMMON STOCK     835699307     1322    18300 SH       DEFINED               18300        0        0
STORA ENSO CORP SPN ADR SER R  COMMON STOCK     86210M106      107    11587 SH       DEFINED               11587        0        0
TALISMAN ENERGY INC COM        COMMON STOCK     87425E103      254     7000 SH       OTHER                  7000        0        0
TELECOM ITALIA SPA             COMMON STOCK     87927W106      969     9700 SH       DEFINED                9700        0        0
TELEFONOS DE MEXICO S A SPON O COMMON STOCK     879403780      590    18700 SH       DEFINED               18700        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209     1355    24800 SH       DEFINED               24800        0        0
TOTAL FINA ELF S A SPONSORED A COMMON STOCK     89151E109      931    13700 SH       DEFINED               13700        0        0
TOYOTA MOTOR CORP ADR 2 COM    COMMON STOCK     892331307      439     6200 SH       DEFINED                6200        0        0
TRANSOCEAN SEDCO FOREX INC *   COMMON STOCK     G90078109     7300   168388 SH       DEFINED              167608        0      780
TRANSOCEAN SEDCO FOREX INC *   COMMON STOCK     G90078109      415     9569 SH       OTHER                  9144        0      425
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709     1281    24342 SH       DEFINED               24342        0        0
UNILEVER NV NEW YORK SHARES NE COMMON STOCK     904784709      188     3564 SH       OTHER                  3564        0        0
VODAFONE GROUP PLC             COMMON STOCK     92857W100      662    24397 SH       DEFINED               23147        0     1250
VODAFONE GROUP PLC             COMMON STOCK     92857W100      128     4720 SH       OTHER                  4720        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105     5883    77337 SH       DEFINED               77337        0        0
XL CAPITAL LTD CLASS A         COMMON STOCK     G98255105       56      739 SH       OTHER                   739        0        0
EL PASO ENERGY CAP I 4.75% CON PREFERRED STOCK  283678209      996    12300 SH       DEFINED             N.A.     N.A.     N.A.
WENDYS FINANCING I 5.0% A CONV PREFERRED STOCK  950588202      390     8100 SH       DEFINED             N.A.     N.A.     N.A.
NORAM ENERGY CORP        6%  3 OTHER            655419AC3       93   100000 PRN      DEFINED             N.A.     N.A.     N.A.
NORAM ENERGY CORP        6%  3 OTHER            655419AC3       93   100000 PRN      OTHER               N.A.     N.A.     N.A.
EQUITY INCOME FD UNIT 1ST EXCH OTHER            294700703      676     5100 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STNLY DEAN WTER INDIA I OTHER            61745C105      162    18500 SH       DEFINED             N.A.     N.A.     N.A.
TRI-CONTINENTAL CORP COM       OTHER            895436103      267    12940 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVERNMENT INCOME FUND INC OTHER            000912105      123    15666 SH       DEFINED             N.A.     N.A.     N.A.
ACM GOVERNMENT INCOME FUND INC OTHER            000912105       70     8925 SH       OTHER               N.A.     N.A.     N.A.
PACHOLDER HIGH YIELD FUND INC  OTHER            693742108      181    17767 SH       DEFINED             N.A.     N.A.     N.A.
PIONEER INTEREST SHARES INC CO OTHER            723703104      122    10500 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100      161    24431 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MASTER INTER INCOME TRU OTHER            746909100       13     1914 SH       OTHER               N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNI BOND FU OTHER            26202F107      183    20288 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNICIPALS I OTHER            261932107      178    19034 SH       DEFINED             N.A.     N.A.     N.A.
DUFF & PHELPS UTILS T/F INCOME OTHER            264325101      142    10000 SH       DEFINED             N.A.     N.A.     N.A.
MFS MUNICIPAL INCOME TRUST     OTHER            552738106      213    26171 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103      327    23177 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       18     1288 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103      193    13756 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNI MKT OPPORTUNITY FU OTHER            67062W103       21     1500 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100      347    37531 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUNICIPAL VALUE FUND IN OTHER            670928100       19     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106      141    10055 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUN FD I OTHER            670973106       62     4429 SH       OTHER               N.A.     N.A.     N.A.
BUCKEYE PARTNERS L P UNIT      OTHER            118230101     1056    31398 SH       DEFINED               31398        0        0
BUCKEYE PARTNERS L P UNIT      OTHER            118230101       61     1800 SH       OTHER                     0     1200      600
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      202     9450 SH       DEFINED                9450        0        0
SABINE ROYALTY TRUST UNITS BEN OTHER            785688102      107     5000 SH       OTHER                  5000        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105      170    11100 SH       DEFINED               11100        0        0
SAN JUAN BASIN RTY TR UNIT BEN OTHER            798241105       25     1650 SH       OTHER                     0     1650        0
</TABLE>

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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