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

                                    Form 13F

                               Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: June 30, 2002

Check here if Amendment [  ]: Amendment Number:
This Amendment (Check only one):            [   ] is a restatement.
                                            [   ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:             Synovus Financial Corp.
Address:          901 Front Avenue, Suite 202
                  Columbus, GA 31901

Form 13F File Number: 28-4762

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:             Garilou Page
Title:            Vice President
Phone:            706-649-4793

Signature, Place, and Date of Signing:

/s/Garilou Page              Columbus, GA                    August 7, 2002
[Signature]                  [City, State]                          [Date]

Report Type (Check only one):

[X]  13F HOLDINGS REPORT.  (Check here if all holdings of this reporting manager
     are reported in this report.)
[ ]  13F NOTICE.  (Check here if no holdings reported are in this report,  and
     all holdings are reported by other reporting manager(s).)
[ ]  13F COMBINATION REPORT. (Check here if a portion of the holdings for this
     reporting manager are reported in this report and a portion are reported by
     other reporting manager(s).)





                              Form 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:                   2

Form 13F Information Table Entry Total:            760

Form 13F Information Table Value Total:      2,551,989
                                           (thousands)

List of Other Included Managers:

Provide  a  numbered  list of the  name(s)  and Form 13F file  number(s)  of all
institutional  investment  managers  with respect to which this report is filed,
other than the manager filing this report.

[If there are no entries in this list, state "NONE" and omit the column headings
and list entries.]

No.      Form 13F File Number                     Name

1        28-4944                           Synovus Trust Company
2        28-7448                           Synovus Trust Company (Florida)



ITEM 1                    ITEM 2 ITEM 3       ITEM 4      ITEM 5   ITEM 6   ITEM 7                           ITEM 8
                          Title                           Shares   Sh/Put
Name                       of                  Value         or     Prn    Investment  Other            Voting Authority
of Issuer                 Class  Cusip       (x$1000)    Prn Amt   Call    Discretion  Managers   Sole        Shared       None
                                                                                             
AFLAC, INCORPORATED       COM   001055102          16         505  SH      DEFINED                                            505
AFLAC, INCORPORATED       COM   001055102       5,398     168,700  SH      DEFINED         1        5,398
AFLAC, INCORPORATED       COM   001055102       1,022      31,950  SH      DEFINED         2       31,950
AFLAC, INCORPORATED       COM   001055102          54       1,685  SH      DEFINED         2                     1,685
AFLAC, INCORPORATED       COM   001055102      29,927     935,223  SH      DEFINED         1      931,544                   3,679
AFLAC, INCORPORATED       COM   001055102       5,865     183,292  SH      DEFINED         1       23,538      159,754
AFLAC, INCORPORATED       COM   001055102         419      13,095  SH      DEFINED                 13,095
AFLAC, INCORPORATED       COM   001055102           3         100  SH      DEFINED                                 100
AOL TIME WARNER, IN       COM   00184A105       2,239     152,200  SH      DEFINED         1        2,239
AOL TIME WARNER, IN       COM   00184A105         702      47,750  SH      DEFINED         2       47,750
AOL TIME WARNER, IN       COM   00184A105         103       7,013  SH      DEFINED         2                     6,875        138
AOL TIME WARNER, IN       COM   00184A105       1,196      81,304  SH      DEFINED         1       80,173                   1,131
AOL TIME WARNER, IN       COM   00184A105         110       7,506  SH      DEFINED         1        6,420                   1,086
AOL TIME WARNER, IN       COM   00184A105         433      29,451  SH      DEFINED                 29,451
AOL TIME WARNER, IN       COM   00184A105           8         550  SH      DEFINED                                 550
AT&T CORP                 COM   001957109         269      25,176  SH      DEFINED         2       25,176
AT&T CORP                 COM   001957109         131      12,243  SH      DEFINED         2          450       11,793
AT&T CORP                 COM   001957109         482      45,037  SH      DEFINED         1       42,750                   2,287
AT&T CORP                 COM   001957109         193      18,056  SH      DEFINED         1       15,597        2,459
AT&T CORP                 COM   001957109         151      14,133  SH      DEFINED                 14,133
AT&T CORP                 COM   001957109          20       1,860  SH      DEFINED                  1,350          510
AT&T WIRELESS SERVI       COM   00209A106          67      11,513  SH      DEFINED         2        9,161        2,352
AT&T WIRELESS SERVI       COM   00209A106          22       3,743  SH      DEFINED         2                     3,743
AT&T WIRELESS SERVI       COM   00209A106          77      13,190  SH      DEFINED         1       12,672                     518
AT&T WIRELESS SERVI       COM   00209A106          34       5,809  SH      DEFINED         1        5,019          790
ABBOTT LABS               COM   002824100       1,190      31,600  SH      DEFINED         1        1,190
ABBOTT LABS               COM   002824100       1,068      28,358  SH      DEFINED         2       27,358        1,000
ABBOTT LABS               COM   002824100         310       8,225  SH      DEFINED         2                     8,225
ABBOTT LABS               COM   002824100       1,766      46,918  SH      DEFINED         1       46,218                     700
ABBOTT LABS               COM   002824100         171       4,555  SH      DEFINED         1        3,555                   1,000
ABBOTT LABS               COM   002824100         391      10,396  SH      DEFINED                 10,396
ACCESS ANYTIME BANCO      COM   00431F105          48        5160  SH      DEFINED                                          5,160
ACUITY BRANDS INC.        COM   00508Y102         191      10,481  SH      DEFINED         1       10,481
AGERE SYSTEMS INC.        COM   00845V100           0         246  SH      DEFINED         1          225                      21
AGERE SYSTEMS INC.        COM   00845V100          14      10,317  SH      DEFINED         1       10,277           23         17
AGERE SYSTEMS INC.        COM   00845V209          10       6,499  SH      DEFINED         1        5,936                     563
AGERE SYSTEMS INC.        COM   00845V209          12       7,891  SH      DEFINED         1        6,825          638        428
ALCOA INC                 COM   013817101         478      14,408  SH      DEFINED         1       14,230                     178
ALCOA INC                 COM   013817101         236       7,106  SH      DEFINED         1                     2,306      4,800
ALLIANCE BANCORP OF       COM   01852Q109          45        3300  SH      DEFINED                                          3,300
ALLSTATE CORPORATIO       COM   020002101         387      10,476  SH      DEFINED                 10,476
ALLTEL CORPORATION        COM   020039103         240       5,116  SH      DEFINED         2        5,116
ALLTEL CORPORATION        COM   020039103          80       1,703  SH      DEFINED         2        1,400          200        103
ALLTEL CORPORATION        COM   020039103         272       5,784  SH      DEFINED         1        5,534                     250
ALLTEL CORPORATION        COM   020039103         230       4,896  SH      DEFINED                  4,896
AMERICAN ELECTRIC P       COM   025537101         207       5,169  SH      DEFINED         2        5,169
AMERICAN ELECTRIC P       COM   025537101          49       1,214  SH      DEFINED         2          414          800
AMERICAN ELECTRIC P       COM   025537101         434      10,850  SH      DEFINED         1       10,850
AMERICAN ELECTRIC P       COM   025537101         125       3,119  SH      DEFINED         1                     3,119
AMERICAN EXPRESS CO       COM   025816109         495      13,632  SH      DEFINED         1       12,351                   1,281
AMERICAN EXPRESS CO       COM   025816109         656      18,050  SH      DEFINED         1        8,000          900      9,150
AMERICAN GENERAL AI       COM   026358994           0      13,000  SH      DEFINED         1       13,000
AMERICAN INTERNATIO       COM   026874107       2,047      30,003  SH      DEFINED         2       29,703          300
AMERICAN INTERNATIO       COM   026874107         334       4,894  SH      DEFINED         2                     4,894
AMERICAN INTERNATIO       COM   026874107       2,219      32,520  SH      DEFINED         1       31,462                   1,058
AMERICAN INTERNATIO       COM   026874107         221       3,235  SH      DEFINED         1          235                   3,000
AMERICAN INTERNATIO       COM   026874107         845      12,389  SH      DEFINED                 12,389
AMERICAN INTERNATIO       COM   026874107          11         154  SH      DEFINED                                 154
AMERICAN INTERNATIO       COM   026874107       4,305      63,100  SH      DEFINED         1        4,305
AMERICANWEST BANC         COM   03058P109          31        2414  SH      DEFINED                                          2,414
AMGEN INC                 COM   031162100         381       9,100  SH      DEFINED         2        9,100
AMGEN INC                 COM   031162100         116       2,775  SH      DEFINED         2                     2,775
AMGEN INC                 COM   031162100         498      11,895  SH      DEFINED         1       11,895
AMGEN INC                 COM   031162100         522      12,465  SH      DEFINED         1       12,465
AMGEN INC                 COM   031162100         315       7,517  SH      DEFINED                  7,517
AMGEN INC                 COM   031162100          22         520  SH      DEFINED                                 520
AMGEN INC                 COM   031162100       2,513      60,000  SH      DEFINED         1        2,513
AMSOUTH BANCORPORAT       COM   032165102         397      17,728  SH      DEFINED                 17,728
AMSOUTH BANCORPORAT       COM   032165102         290      12,950  SH      DEFINED                              12,950
ANCHOR BANCORP WIS I      COM   032839102          42        1760  SH      DEFINED                                          1,760
ANHEUSER BUSCH COMP       COM   035229103         606      12,110  SH      DEFINED         2       12,110
ANHEUSER BUSCH COMP       COM   035229103         305       6,095  SH      DEFINED         2                     4,800      1,295
ANHEUSER BUSCH COMP       COM   035229103         892      17,833  SH      DEFINED         1       17,169                     664
ANHEUSER BUSCH COMP       COM   035229103         510      10,208  SH      DEFINED         1        8,470                   1,738
ANHEUSER BUSCH COMP       COM   035229103         293       5,859  SH      DEFINED                  5,859
ANHEUSER BUSCH COMP       COM   035229103       2,620      52,400  SH      DEFINED         1        2,620
APPLIED MATERIALS I       COM   038222105         225      11,850  SH      DEFINED         1       11,850
APPLIED MATERIALS I       COM   038222105           9         450  SH      DEFINED         1          450
ARCH COAL, INC.           COM   039380100         691      30,408  SH      DEFINED         2       30,408
ARCHER-DANIELS-MIDL       COM   039483102         155      12,102  SH      DEFINED         1       12,102
ASHLAND INC               COM   044204105       6,921     170,880  SH      DEFINED         2      170,880
ATMOS ENERGY CORPOR       COM   049560105         294      12,545  SH      DEFINED         1       12,545
AUTOMATIC DATA PROC       COM   053015103         983      22,572  SH      DEFINED         2       22,572
AUTOMATIC DATA PROC       COM   053015103         365       8,385  SH      DEFINED         2          300        8,085
AUTOMATIC DATA PROC       COM   053015103         621      14,265  SH      DEFINED         1       14,265
AUTOMATIC DATA PROC       COM   053015103         194       4,450  SH      DEFINED         1           50                   4,400
AUTOMATIC DATA PROC       COM   053015103         274       6,295  SH      DEFINED                  6,295
AUTOMATIC DATA PROC       COM   053015103           1          25  SH      DEFINED                                  25
AUTOMATIC DATA PROC       COM   053015103         492      11,300  SH      DEFINED         1          492
AVERY DENNISON CORP       COM   053611109         316       5,032  SH      DEFINED         2                     5,032
BB & T CORPORATION        COM   054937107       1,415      36,647  SH      DEFINED         1       35,167                   1,480
BB & T CORPORATION        COM   054937107         753      19,505  SH      DEFINED                 19,505
BP P.L.C.                 COM   055622104         776      15,372  SH      DEFINED         2       15,372
BP P.L.C.                 COM   055622104         110       2,180  SH      DEFINED         2          396        1,784
BP P.L.C.                 COM   055622104       2,422      47,971  SH      DEFINED         1       45,418                   2,553
BP P.L.C.                 COM   055622104         499       9,880  SH      DEFINED         1                     4,950      4,930
BP P.L.C.                 COM   055622104         469       9,286  SH      DEFINED                  9,188                      98
BP P.L.C.                 COM   055622104         395       7,832  SH      DEFINED                               7,832
BMC SOFTWARE INC          COM   055921100          17        1000  SH      DEFINED                                          1,000
BNC CORP INC              COM   055936108          16        2100  SH      DEFINED                                          2,100
BANCFIRST CORP            COM   05945F103          37         800  SH      DEFINED                                            800
BANK OF AMERICA COR       COM   060505104       6,844      97,270  SH      DEFINED         2       97,270
BANK OF AMERICA COR       COM   060505104       4,343      61,720  SH      DEFINED         2                    59,463      2,257
BANK OF AMERICA COR       COM   060505104       8,466     120,328  SH      DEFINED         1       91,818                  28,510
BANK OF AMERICA COR       COM   060505104         962      13,666  SH      DEFINED         1        1,488       10,331      1,847
BANK OF AMERICA COR       COM   060505104       3,511      49,898  SH      DEFINED                 49,898
BANK OF AMERICA COR       COM   060505104         179       2,544  SH      DEFINED                               2,544
BANK OF NEW YORK, I       COM   064057102         336       9,970  SH      DEFINED         1        1,145                   8,825
BANK ONE CORPORATIO       COM   06423A103         270       7,008  SH      DEFINED         1        6,496                     512
BANK ONE CORPORATIO       COM   06423A103          35         912  SH      DEFINED         1                       912
BAR HARBOUR BANKSHAR      COM   066849100           5         250  SH      DEFINED                                            250
BAXTER INTERNATIONA       COM   071813109         340       7,648  SH      DEFINED         2        7,648
BAXTER INTERNATIONA       COM   071813109         156       3,500  SH      DEFINED         2                     3,500
BAXTER INTERNATIONA       COM   071813109         627      14,113  SH      DEFINED         1       13,513                     600
BAXTER INTERNATIONA       COM   071813109         128       2,875  SH      DEFINED         1          275        1,000      1,600
BAXTER INTERNATIONA       COM   071813109         366       8,225  SH      DEFINED                  8,225
BAXTER INTERNATIONA       COM   071813109       1,782      40,100  SH      DEFINED         1        1,782
BED BATH & BEYOND INC.    COM   075896100       2,076      55,000  SH      DEFINED         1        2,076
BELLSOUTH CORPORATI       COM   079860102       2,650      84,130  SH      DEFINED         2       84,130
BELLSOUTH CORPORATI       COM   079860102         622      19,740  SH      DEFINED         2        6,880       12,860
BELLSOUTH CORPORATI       COM   079860102       3,325     105,550  SH      DEFINED         1       95,954                   9,596
BELLSOUTH CORPORATI       COM   079860102       1,413      44,851  SH      DEFINED         1        6,291       35,136      3,424
BELLSOUTH CORPORATI       COM   079860102         693      21,985  SH      DEFINED                 21,805                     180
BELLSOUTH CORPORATI       COM   079860102         259       8,220  SH      DEFINED                  2,400        5,820
BERKSHIRE HATHAWAY        COM   084670108       2,538          38  SH      DEFINED         1           38
BERKSHIRE HATHAWAY        COM   084670207         168          75  SH      DEFINED         2           65           10
BERKSHIRE HATHAWAY        COM   084670207          34          15  SH      DEFINED         2                        15
BOLLINGER INDUSTRIE       COM   097676100          13     138,000  SH      DEFINED         1      138,000
BRISTOL-MYERS SQUIB       COM   110122108       1,012      39,377  SH      DEFINED         2       39,377
BRISTOL-MYERS SQUIB       COM   110122108         370      14,380  SH      DEFINED         2                    14,380
BRISTOL-MYERS SQUIB       COM   110122108         824      32,071  SH      DEFINED         1       29,975          700      1,396
BRISTOL-MYERS SQUIB       COM   110122108         481      18,733  SH      DEFINED         1        7,740        5,868      5,125
BRISTOL-MYERS SQUIB       COM   110122108         338      13,169  SH      DEFINED                 13,169
BRISTOL-MYERS SQUIB       COM   110122108          30       1,150  SH      DEFINED                               1,150
BOSTONFED BANCORP IN      COM   110178101          74        2300  SH      DEFINED                                          2,300
BUSINESS BANCORP NEW      COM   12323X102          86        6224  SH      DEFINED                                          6,224
C & F FINANCIAL CORP      COM   12466Q104           8         360  SH      DEFINED                                            360
CVB FINANCIAL CORP        COM   126600105         132        5796  SH      DEFINED                                          5,796
CABLEVISION NY GROUP      COM   12686C109           6         600  SH      DEFINED                                            600
CUSTOM CAR CARE CO        COM   126990100           0      20,000  SH      DEFINED         1       20,000
CAMDEN NATL CORP          COM   133034108          33        1200  SH      DEFINED                                          1,200
CANADIAN NATIONAL         COM   136375102       1,017      19,640  SH      DEFINED         1       18,990                     650
CANADIAN NATIONAL         COM   136375102           3          55  SH      DEFINED         1           55
CANADIAN NATIONAL         COM   136375102         940      18,150  SH      DEFINED         1          940
CAPITAL CITY BANK G       COM   139674105         273       7,895  SH      DEFINED         1        7,895
CAPITAL CROSSING B        COM   140071101          43        1925  SH      DEFINED                                          1,925
CAPITAL ONE FINANCI       COM   14040H105       2,442      40,000  SH      DEFINED         1        2,442
CASCADE BANCORP           COM   147154108          52        2910  SH      DEFINED                                          2,910
CATHAY BANCORP INC        COM   149150104         118        2840  SH      DEFINED                                          2,840
CENDANT CORP              COM   151313103         106        6702  SH      DEFINED                                          6,702
CERTEGY INC.              COM   156880106         307       8,260  SH      DEFINED         1        8,260
CERTEGY INC.              COM   156880106         186       5,000  SH      DEFINED         1        3,000                   2,000
CHEVRONTEXACO CORPO       COM   166764100       2,335      26,382  SH      DEFINED         2       26,382
CHEVRONTEXACO CORPO       COM   166764100         678       7,662  SH      DEFINED         2        1,500        6,162
CHEVRONTEXACO CORPO       COM   166764100       1,699      19,194  SH      DEFINED         1       18,208                     986
CHEVRONTEXACO CORPO       COM   166764100         360       4,063  SH      DEFINED         1        2,266        1,372        425
CHEVRONTEXACO CORPO       COM   166764100         308       3,481  SH      DEFINED                  3,281                     200
CHEVRONTEXACO CORPO       COM   166764100         171       1,927  SH      DEFINED                    462        1,465
CHITTENDEN CORP           COM   170228100          27         936  SH      DEFINED                                            936
CHUBB CORPORATION         COM   171232101       1,266      17,879  SH      DEFINED         1       17,879
CHUBB CORPORATION         COM   171232101       5,575      78,744  SH      DEFINED         1                     1,744     77,000
CISCO SYS INC             COM   17275R102          21        1500  SH      DEFINED                                          1,500
CISCO SYSTEMS             COM   17275R102         918      65,795  SH      DEFINED         2       65,795
CISCO SYSTEMS             COM   17275R102         140      10,025  SH      DEFINED         2          600        9,425
CISCO SYSTEMS             COM   17275R102       2,128     152,548  SH      DEFINED         1      140,490                  12,058
CISCO SYSTEMS             COM   17275R102         245      17,556  SH      DEFINED         1        6,866        9,790        900
CISCO SYSTEMS             COM   17275R102       1,096      78,589  SH      DEFINED                 78,589
CISCO SYSTEMS             COM   17275R102          11         783  SH      DEFINED                                 783
CISCO SYSTEMS             COM   17275R102       2,437     174,700  SH      DEFINED         1        2,437
CITIGROUP INCORPORA       COM   172967101       1,385      35,737  SH      DEFINED         2       35,737
CITIGROUP INCORPORA       COM   172967101         310       7,992  SH      DEFINED         2        1,000        6,992
CITIGROUP INCORPORA       COM   172967101       2,650      68,391  SH      DEFINED         1       65,061                   3,330
CITIGROUP INCORPORA       COM   172967101       1,163      30,015  SH      DEFINED         1       10,429       19,313        273
CITIGROUP INCORPORA       COM   172967101       1,157      29,859  SH      DEFINED                 29,311                     548
CITIGROUP INCORPORA       COM   172967101          25         646  SH      DEFINED                                 646
CITIGROUP INCORPORA       COM   172967101       4,255     109,800  SH      DEFINED         1        4,255
CITIZENS COMMUNICAT       COM   17453B101         154      18,429  SH      DEFINED         1       18,429
CITY NATIONAL CORP        COM   178566105          91        1690  SH      DEFINED                                          1,690
COCA COLA COMPANY         COM   191216100         101        1808  SH      DEFINED                                          1,808
COCA COLA COMPANY         COM   191216100     115,312   2,059,141  SH      DEFINED         2    2,058,041                   1,100
COCA COLA COMPANY         COM   191216100       4,947      88,347  SH      DEFINED         2       75,000       13,347
COCA COLA COMPANY         COM   191216100     506,539   9,045,341  SH      DEFINED         1    9,002,106                  43,235
COCA COLA COMPANY         COM   191216100      32,007     571,557  SH      DEFINED         1       84,750      471,086     15,721
COCA COLA COMPANY         COM   191216100       1,965      35,092  SH      DEFINED                 35,092
COCA COLA COMPANY         COM   191216100          22         392  SH      DEFINED                                 392
COCA-COLA COMPANY         COM   191216100       3,920      70,000  SH      DEFINED         1        3,920
COCA-COLA ENTERPRIS       COM   191219104      29,286   1,326,338  SH      DEFINED         1    1,326,338
COCA-COLA ENTERPRIS       COM   191219104       3,370     152,621  SH      DEFINED                152,621
COCA-COLA ENTERPRIS       COM   191219104         815      36,905  SH      DEFINED                              36,905
COLGATE-PALMOLIVE C       COM   194162103       3,644      72,800  SH      DEFINED         1        3,644
COLGATE-PALMOLIVE C       COM   194162103       1,467      29,312  SH      DEFINED         2       29,312
COLGATE-PALMOLIVE C       COM   194162103         114       2,285  SH      DEFINED         2          400        1,885
COLGATE-PALMOLIVE C       COM   194162103       1,853      37,021  SH      DEFINED         1       36,821                     200
COLGATE-PALMOLIVE C       COM   194162103          13         265  SH      DEFINED         1          265
COLGATE-PALMOLIVE C       COM   194162103         901      17,998  SH      DEFINED                 17,998
COLGATE-PALMOLIVE C       COM   194162103           8         150  SH      DEFINED                                 150
COLONIAL PROPERTIES       COM   195872106          29         744  SH      DEFINED         1          744
COLONIAL PROPERTIES       COM   195872106         214       5,500  SH      DEFINED         1                     5,500
COLUMBIA BANCORP          COM   197227101          53        2254  SH      DEFINED                                          2,254
COMMUNITY BK SYS          COM   203607106          58        1810  SH      DEFINED                                          1,810
COMPASS BANCSHARES        COM   20449H109         852      25,347  SH      DEFINED                              25,347
COMPASS BANKSHARES        COM   20449H109          17         495  SH      DEFINED                                            495
CONOCO INC. COMMON        COM   208251504         513      18,450  SH      DEFINED         2       18,450
CONOCO INC. COMMON        COM   208251504          60       2,150  SH      DEFINED         2                     2,150
CONOCO INC. COMMON        COM   208251504         748      26,920  SH      DEFINED         1       26,920
CONOCO INC. COMMON        COM   208251504         287      10,330  SH      DEFINED         1       10,330
CONOCO INCORPORATED       COM   208251504       1,493      53,700  SH      DEFINED         1        1,493
CONSOLIDATED EDISON       COM   209115104         217       5,198  SH      DEFINED         2        5,198
CONSOLIDATED EDISON       COM   209115104          54       1,300  SH      DEFINED         2                     1,300
COUSINS PROPERTIES        COM   222795106          93       3,750  SH      DEFINED         1        3,750
COUSINS PROPERTIES        COM   222795106         347      14,000  SH      DEFINED         1        1,500       12,500
DARDEN RESTAURANTS        COM   237194105       1,375      55,648  SH      DEFINED         1       55,648
DARDEN RESTAURANTS        COM   237194105         226       9,150  SH      DEFINED         1                     9,150
DEERE & COMPANY           COM   244199105       3,353      70,000  SH      DEFINED         1        3,353
DEERE AND CO              COM   244199105         239       4,991  SH      DEFINED         1        4,991
DEERE AND CO              COM   244199105           9         180  SH      DEFINED         1          180
DELL COMPUTER             COM   247025109          20         750  SH      DEFINED                                            750
DELL COMPUTER CORPO       COM   247025109         203       7,750  SH      DEFINED         2        7,750
DELL COMPUTER CORPO       COM   247025109          27       1,025  SH      DEFINED         2                     1,025
DELL COMPUTER CORPO       COM   247025109       1,102      42,149  SH      DEFINED         1       41,149                   1,000
DELL COMPUTER CORPO       COM   247025109          13         490  SH      DEFINED         1          490
DELL COMPUTER CORPO       COM   247025109         444      17,001  SH      DEFINED                 17,001
DELL COMPUTER CORPO       COM   247025109           1          50  SH      DEFINED                                  50
DELL COMPUTER CORPO       COM   247025109       2,781     106,400  SH      DEFINED         1        2,781
DISNEY                    COM   254687106          57        3000  SH      DEFINED                                          3,000
WALT DISNEY COMPANY       COM   254687106         837      44,260  SH      DEFINED         2       44,260
WALT DISNEY COMPANY       COM   254687106         101       5,365  SH      DEFINED         2                     5,365
WALT DISNEY COMPANY       COM   254687106         671      35,503  SH      DEFINED         1       34,253                   1,250
WALT DISNEY COMPANY       COM   254687106         259      13,693  SH      DEFINED         1        7,000        1,935      4,758
WALT DISNEY COMPANY       COM   254687106         500      26,432  SH      DEFINED                 26,432
WALT DISNEY COMPANY       COM   254687106          13         705  SH      DEFINED                                 705
E. I. DUPONT DE NEM       COM   263534109       1,891      42,600  SH      DEFINED         1        1,891
E. I. DUPONT DE NEM       COM   263534109         571      12,850  SH      DEFINED         2       12,850
E. I. DUPONT DE NEM       COM   263534109          62       1,400  SH      DEFINED         2                     1,400
E. I. DUPONT DE NEM       COM   263534109       1,696      38,207  SH      DEFINED         1       37,367                     840
E. I. DUPONT DE NEM       COM   263534109         639      14,395  SH      DEFINED         1        5,390        9,005
E. I. DUPONT DE NEM       COM   263534109       2,484      55,935  SH      DEFINED                 55,935
E. I. DUPONT DE NEM       COM   263534109          24         550  SH      DEFINED                                 550
DUKE ENERGY CORPORA       COM   264399106         246       7,900  SH      DEFINED         2        7,900
DUKE ENERGY CORPORA       COM   264399106         127       4,070  SH      DEFINED         2          400        3,670
DUKE ENERGY CORPORA       COM   264399106         341      10,964  SH      DEFINED         1       10,194                     770
DUKE ENERGY CORPORA       COM   264399106         227       7,300  SH      DEFINED         1        4,000        3,300
DUKE ENERGY CORPORA       COM   264399106         517      16,634  SH      DEFINED                 16,234          400
EMC CORP                  COM   268648102         331      43,857  SH      DEFINED         2       43,857
EMC CORP                  COM   268648102          43       5,725  SH      DEFINED         2                     5,725
EMC CORP                  COM   268648102         610      80,837  SH      DEFINED         1       79,005                   1,832
EMC CORP                  COM   268648102          10       1,270  SH      DEFINED         1          580          190        500
EMC CORPORATION           COM   268648102         466      61,750  SH      DEFINED         1          466
EARTHLINK INC             COM   270321102           7        1000  SH      DEFINED                                          1,000
EL PASO CORPORATION       COM   28336L109         692      33,553  SH      DEFINED         1       33,553
EL PASO CORPORATION       COM   28336L109          18         884  SH      DEFINED         1          240                     644
EL PASO CORPORATION       COM   28336L109       1,072      52,026  SH      DEFINED         1        1,072
ELECTRONIC DATA SYS       COM   285661104         272       7,321  SH      DEFINED         2        7,321
ELECTRONIC DATA SYS       COM   285661104          15         400  SH      DEFINED         2          400
ELECTRONIC DATA SYS       COM   285661104       1,413      38,025  SH      DEFINED         1       34,740                   3,285
ELECTRONIC DATA SYS       COM   285661104          30         820  SH      DEFINED         1          195                     625
ELECTRONIC DATA SYS       COM   285661104         421      11,331  SH      DEFINED                 11,331
ELECTRONIC DATA SYS       COM   285661104           7         200  SH      DEFINED                                 200
ELECTRONIC DATA SYS       COM   285661104       2,251      60,600  SH      DEFINED         1        2,251
EMERSON ELECTRIC CO       COM   291011104         203       3,800  SH      DEFINED         2        3,800
EMERSON ELECTRIC CO       COM   291011104         268       5,000  SH      DEFINED         2                     5,000
EMERSON ELECTRIC CO       COM   291011104         800      14,950  SH      DEFINED         1       14,950
EMERSON ELECTRIC CO       COM   291011104         161       3,000  SH      DEFINED         1        3,000
ENERGEN CORPORATION       COM   29265N108          44       1,608  SH      DEFINED                  1,608
ENERGEN CORPORATION       COM   29265N108         674      24,500  SH      DEFINED                              24,500
ENRON CORPORATION         COM   293561106           5      49,069  SH      DEFINED                 48,269                     800
ENVIRO-ENERGY CORPO       COM   29403E101           1      16,600  SH      DEFINED         1       16,600
EQUIFAX, INCORPORAT       COM   294429105         682      25,270  SH      DEFINED         1       25,270
EQUIFAX, INCORPORAT       COM   294429105         108       4,000  SH      DEFINED         1                                4,000
EXCHANGE BANK OF SAN      COM   301227203          25         300  SH      DEFINED                                            300
EXXON MOBIL CORPORA       COM   30231G102       6,500     158,846  SH      DEFINED         2      155,846        3,000
EXXON MOBIL CORPORA       COM   30231G102       2,326      56,850  SH      DEFINED         2        2,776       50,874      3,200
EXXON MOBIL CORPORA       COM   30231G102      11,894     290,670  SH      DEFINED         1      249,043                  41,627
EXXON MOBIL CORPORA       COM   30231G102       3,171      77,487  SH      DEFINED         1        7,875       59,628      9,984
EXXON MOBIL CORPORA       COM   30231G102       7,567     184,921  SH      DEFINED                184,121                     800
EXXON MOBIL CORPORA       COM   30231G102         158       3,872  SH      DEFINED                               3,872
EXXON MOBIL CORPORA       COM   30231G102       4,767     116,484  SH      DEFINED         1        4,767
FMS FINANCIAL CORP        COM   302509104           8         720  SH      DEFINED                                            720
FPL GROUP, INC.           COM   302571104         250       4,165  SH      DEFINED         2        4,165
FPL GROUP, INC.           COM   302571104          30         500  SH      DEFINED         2                       500
FIRST SOUTHEASTERN        COM   303999106           0      12,108  SH      DEFINED         1       12,108
FEDERAL HOME LOAN M       COM   313400301          91       1,479  SH      DEFINED         1          744                     735
FEDERAL HOME LOAN M       COM   313400301         410       6,700  SH      DEFINED         1                                6,700
FANNIE MAE                COM   313586109         817      11,083  SH      DEFINED         2       11,083
FANNIE MAE                COM   313586109         186       2,525  SH      DEFINED         2                     2,525
FANNIE MAE                COM   313586109       3,280      44,469  SH      DEFINED         1       44,019                     450
FANNIE MAE                COM   313586109          99       1,343  SH      DEFINED         1          260          900        183
FANNIE MAE                COM   313586109       1,010      13,695  SH      DEFINED                 13,695
FANNIE MAE                COM   313586109          14         191  SH      DEFINED                                 191
FANNIE MAE                COM   313586109       5,022      68,100  SH      DEFINED         1        5,022
FIFTH THIRD BANCORP       COM   316773100         253       3,800  SH      DEFINED         2        3,800
FIRST BANCORP N C         COM   318910106          69        2492  SH      DEFINED                                          2,492
FIRST KEYSTONE FIN I      COM   320655103          26        1400  SH      DEFINED                                          1,400
FIRST OF LONG ISLAND      COM   320734106          29         600  SH      DEFINED                                            600
FIRST MIDWEST BANCOR      COM   320867104          14         500  SH      DEFINED                                            500
FIRST NATIONAL CORP       COM   320942105          33        1100  SH      DEFINED                                          1,100
FIRST OAK BROOK BCSH      COM   335847208          88        2800  SH      DEFINED                                          2,800
FIRST STATE BANCORP       COM   336453105          13         490  SH      DEFINED                                            490
FIRST TENNESSEE NAT       COM   337162101         756      19,744  SH      DEFINED         1                    19,744
FIRSTFED AMERICA BAN      COM   337929103          26        1107  SH      DEFINED                                          1,107
FLAG FINANCIAL CORP       COM   33832H107         221      20,718  SH      DEFINED         1       20,718
FLEETBOSTON FINANCI       COM   339030108       4,057     125,400  SH      DEFINED         1        4,057
FLEETBOSTON FINANCI       COM   339030108         327      10,100  SH      DEFINED         2       10,100
FLEETBOSTON FINANCI       COM   339030108          55       1,685  SH      DEFINED         2                       925        760
FLEETBOSTON FINANCI       COM   339030108       2,190      67,709  SH      DEFINED         1       67,359                     350
FLEETBOSTON FINANCI       COM   339030108          73       2,250  SH      DEFINED         1          520          900        830
FLEETBOSTON FINANCI       COM   339030108         672      20,763  SH      DEFINED                 20,763
FLEETBOSTON FINANCI       COM   339030108           4         125  SH      DEFINED                                 125
FLORIDA EAST COAST I      COM   340632207           6         235  SH      DEFINED                                            235
FLOWERS FOODS, INC.       COM   343498101         458      17,731  SH      DEFINED         1       17,643                      88
FORD MOTOR CO             COM   345370860          49        3072  SH      DEFINED                                          3,072
FORD MOTOR COMPANY        COM   345370860         643      40,211  SH      DEFINED         1       38,935                   1,276
FORD MOTOR COMPANY        COM   345370860          53       3,330  SH      DEFINED         1                     3,330
FORD MOTOR COMPANY        COM   345370860         354      22,120  SH      DEFINED                 22,120
FORD MOTOR COMPANY        COM   345370860           2         100  SH      DEFINED                                 100
FRANKLIN BANK NA          COM   352456107          35        1816  SH      DEFINED                                          1,816
G A FINANCIAL INC         COM   361437106          21        1100  SH      DEFINED                                          1,100
GBC BANCORP CALIF         COM   361475106          20         680  SH      DEFINED                                            680
GANNETT COMPANY, IN       COM   364730101         171       2,250  SH      DEFINED         2        2,250
GANNETT COMPANY, IN       COM   364730101          61         800  SH      DEFINED         2                       800
GENENTECH, INC            COM   368710406         285       8,500  SH      DEFINED         2        8,500
GENENTECH, INC            COM   368710406           7         200  SH      DEFINED         2                       200
GENERAL DYNAMICS CO       COM   369550108         173       1,628  SH      DEFINED         1          300                   1,328
GENERAL DYNAMICS CO       COM   369550108         106       1,000  SH      DEFINED         1                                1,000
GENERAL ELECTRIC CO       COM   369604103          94        3229  SH      DEFINED                                          3,229
GENERAL ELECTRIC CO       COM   369604103       7,794     268,296  SH      DEFINED         2      265,296        3,000
GENERAL ELECTRIC CO       COM   369604103       3,121     107,434  SH      DEFINED         2       20,500       83,334      3,600
GENERAL ELECTRIC CO       COM   369604103      12,097     416,423  SH      DEFINED         1      387,458                  28,965
GENERAL ELECTRIC CO       COM   369604103       4,760     163,848  SH      DEFINED         1       23,345      105,373     35,130
GENERAL ELECTRIC CO       COM   369604103       3,706     127,558  SH      DEFINED                127,558
GENERAL ELECTRIC CO       COM   369604103         106       3,646  SH      DEFINED                  2,400        1,246
GENERAL ELECTRIC CO       COM   369604103       5,405     186,049  SH      DEFINED         1        5,405
GENERAL MILLS, INC.       COM   370334104       7,913     179,518  SH      DEFINED         1      169,944                   9,574
GENERAL MILLS, INC.       COM   370334104       1,013      22,988  SH      DEFINED         1        2,300       20,688
GENERAL MOTORS CORP       COM   370442105         268       5,018  SH      DEFINED         1        5,018
GENERAL MOTORS CORP       COM   370442105         219       4,088  SH      DEFINED         1          190        3,300        598
GENERAL MOTORS CORP       COM   370442105       3,207      60,000  SH      DEFINED         1        3,207
GENUINE PARTS COMPA       COM   372460105       5,613     160,966  SH      DEFINED         1      160,966
GENUINE PARTS COMPA       COM   372460105         129       3,711  SH      DEFINED         1        1,686        2,025
GILLETTE CO               COM   375766102         840      24,811  SH      DEFINED         2       24,811
GILLETTE CO               COM   375766102         149       4,400  SH      DEFINED         2        3,200        1,200
GILLETTE CO               COM   375766102          78       2,300  SH      DEFINED         1        2,300
GILLETTE CO               COM   375766102         623      18,393  SH      DEFINED         1        5,000        8,193      5,200
GLAXO SMITHKLINE PL       COM   37733W105         486      11,269  SH      DEFINED         2       11,269
GLAXO SMITHKLINE PL       COM   37733W105          39         894  SH      DEFINED         2                       894
GOLDFIELD CORP(NEVA       COM   381370105          68     150,000  SH      DEFINED                150,000
GREATER BAY BANCORP       COM   391648102         105        3413  SH      DEFINED                                          3,413
HCA INC                   COM   404119109          24         512  SH      DEFINED                                            512
HCA INC                   COM   404119109       1,477      31,085  SH      DEFINED         1       31,085
HALLIBURTON CO            COM   406216101          32        2000  SH      DEFINED                                          2,000
HALLIBURTON COMPANY       COM   406216101          94       5,889  SH      DEFINED         1        5,889
HALLIBURTON COMPANY       COM   406216101         159      10,000  SH      DEFINED         1       10,000
HANMI FINL CORP           COM   410495105          46        2702  SH      DEFINED                                          2,702
HEALTHSOUTH CORP          COM   421924101          26        2000  SH      DEFINED                                          2,000
H J HEINZ COMPANY         COM   423074103         312       7,600  SH      DEFINED         2        7,600
H J HEINZ COMPANY         COM   423074103          21         500  SH      DEFINED         2                       500
HERSHEY FOODS CORP        COM   427866108         200       3,200  SH      DEFINED                  3,200
HEWLETT PACKARD CO        COM   428236103          19        1265  SH      DEFINED                                          1,265
HEWLETT PACKARD CO        COM   428236103         202      13,240  SH      DEFINED         2       13,240
HEWLETT PACKARD CO        COM   428236103          99       6,500  SH      DEFINED         2        1,600        4,900
HEWLETT PACKARD CO        COM   428236103         579      37,879  SH      DEFINED         1       36,244                   1,635
HEWLETT PACKARD CO        COM   428236103          83       5,448  SH      DEFINED         1        2,530        2,538        380
HEWLETT PACKARD CO        COM   428236103         124       8,087  SH      DEFINED                  8,087
HEWLETT PACKARD CO        COM   428236103          38       2,474  SH      DEFINED                               2,474
HOME DEPOT INCORPOR       COM   437076102       1,645      44,776  SH      DEFINED         2       44,776
HOME DEPOT INCORPOR       COM   437076102         549      14,940  SH      DEFINED         2        5,850        9,090
HOME DEPOT INCORPOR       COM   437076102       4,178     113,741  SH      DEFINED         1      108,298                   5,443
HOME DEPOT INCORPOR       COM   437076102         578      15,726  SH      DEFINED         1        5,460        3,135      7,131
HOME DEPOT INCORPOR       COM   437076102       1,612      43,878  SH      DEFINED                 43,311                     567
HOME DEPOT INCORPOR       COM   437076102          48       1,311  SH      DEFINED                               1,311
HOME DEPOT INCORPOR       COM   437076102       4,250     115,700  SH      DEFINED         1        4,250
HONEYWELL INTERNATI       COM   438516106         660      18,726  SH      DEFINED         1       18,557                     169
HONEYWELL INTERNATI       COM   438516106          24         690  SH      DEFINED         1                       140        550
ITLA CAPITAL CORP         COM   450565106          79        2650  SH      DEFINED                                          2,650
ILLINOIS TOOL WORKS       COM   452308109         437       6,400  SH      DEFINED         2        6,400
ILLINOIS TOOL WORKS       COM   452308109          92       1,350  SH      DEFINED         2          200        1,150
ILLINOIS TOOL WORKS       COM   452308109         284       4,160  SH      DEFINED                  4,160
ILLINOIS TOOL WORKS       COM   452308109          18         265  SH      DEFINED                                 265
INTEL CORP                COM   458140100           9         502  SH      DEFINED                                            502
INTEL CORPORATION         COM   458140100       2,112     115,620  SH      DEFINED         2      112,120        3,500
INTEL CORPORATION         COM   458140100         297      16,250  SH      DEFINED         2          800       15,450
INTEL CORPORATION         COM   458140100       3,368     184,350  SH      DEFINED         1      169,770                  14,580
INTEL CORPORATION         COM   458140100         407      22,250  SH      DEFINED         1          843       19,446      1,961
INTEL CORPORATION         COM   458140100       1,122      61,385  SH      DEFINED                 60,185        1,200
INTEL CORPORATION         COM   458140100          62       3,400  SH      DEFINED                               3,400
INTEL CORPORATION         COM   458140100       3,161     173,000  SH      DEFINED         1        3,161
INTERNATIONAL BUSIN       COM   459200101       1,401      19,459  SH      DEFINED         2       19,259          200
INTERNATIONAL BUSIN       COM   459200101         433       6,018  SH      DEFINED         2        1,693        4,325
INTERNATIONAL BUSIN       COM   459200101       2,197      30,520  SH      DEFINED         1       29,990                     530
INTERNATIONAL BUSIN       COM   459200101         413       5,733  SH      DEFINED         1        1,625          195      3,913
INTERNATIONAL BUSIN       COM   459200101         579       8,037  SH      DEFINED                  7,470                     567
INTERNATIONAL BUSIN       COM   459200101          23         324  SH      DEFINED                                 324
INTERNATIONAL BUSIN       COM   459200101         648       9,000  SH      DEFINED         1          648
INTERNATIONAL PAPER       COM   460146103       1,072      24,600  SH      DEFINED         1       24,600
INTERNATIONAL PAPER       COM   460146103         375       8,611  SH      DEFINED         1        7,611        1,000
INTERNATIONAL PAPER       COM   460146103         335       7,696  SH      DEFINED                  7,696
INTERNATIONAL PAPER       COM   460146103           1          25  SH      DEFINED                                  25
INTERNATIONAL PAPER       COM   460146103       2,279      52,300  SH      DEFINED         1        2,279
INTUIT INC                COM   461202103         895      18,000  SH      DEFINED         1       18,000
IPSWICH BANCSHARES I      COM   462633108          13         650  SH      DEFINED                                            650
J. ALEXANDER CORPOR       COM   466096104          67      22,080  SH      DEFINED         1       22,080
J P MORGAN CHASE &        COM   46625H100         127       3,747  SH      DEFINED         2        3,747
J P MORGAN CHASE &        COM   46625H100         219       6,468  SH      DEFINED         2          300        6,168
J P MORGAN CHASE &        COM   46625H100         301       8,860  SH      DEFINED         1        7,746                   1,114
J P MORGAN CHASE &        COM   46625H100         290       8,550  SH      DEFINED         1        8,550
J P MORGAN CHASE &        COM   46625H100         202       5,962  SH      DEFINED                  5,809                     153
JOHNSON & JOHNSON         COM   478160104       1,267      24,252  SH      DEFINED         2       24,252
JOHNSON & JOHNSON         COM   478160104         758      14,510  SH      DEFINED         2          400       14,110
JOHNSON & JOHNSON         COM   478160104       8,408     160,888  SH      DEFINED         1      159,444                   1,444
JOHNSON & JOHNSON         COM   478160104       4,252      81,358  SH      DEFINED         1        1,130       77,914      2,314
JOHNSON & JOHNSON         COM   478160104       1,804      34,524  SH      DEFINED                 34,524
JOHNSON & JOHNSON         COM   478160104          49         930  SH      DEFINED                                 930
JOHNSON & JOHNSON         COM   478160104       4,510      86,300  SH      DEFINED         1        4,510
KELLOGG COMPANY           COM   487836108         922      25,706  SH      DEFINED         1       25,706
KEY PRODTN INC            COM   493138101          10         500  SH      DEFINED                                            500
KIMBERLY CLARK CORP       COM   494368103         644      10,392  SH      DEFINED         2       10,392
KIMBERLY CLARK CORP       COM   494368103         293       4,724  SH      DEFINED         2          200        3,900        624
KIMBERLY CLARK CORP       COM   494368103       1,377      22,217  SH      DEFINED         1       22,017                     200
KIMBERLY CLARK CORP       COM   494368103          95       1,530  SH      DEFINED         1                     1,230        300
KINDER MORGAN ENER P      COM   494550106          47        1500  SH      DEFINED                                          1,500
KONINKLIJKE AHOLD NV      COM   500467303          35        1650  SH      DEFINED                                          1,650
KROGER CO                 COM   501044101          10         500  SH      DEFINED                                            500
LEHMAN BROTHERS HOL       COM   524908100         353       5,640  SH      DEFINED         1        5,640
LEHMAN BROTHERS HOL       COM   524908100          25         400  SH      DEFINED         1          400
LILLY, ELI & CO           COM   532457108         449       7,967  SH      DEFINED         2        7,467          500
LILLY, ELI & CO           COM   532457108         286       5,071  SH      DEFINED         2          500        4,571
LILLY, ELI & CO           COM   532457108         468       8,300  SH      DEFINED                  8,300
LILLY, ELI & CO           COM   532457108          68       1,200  SH      DEFINED                               1,200
LONG ISLAND FINANCIA      COM   542669106          29        1500  SH      DEFINED                                          1,500
SOUTHWEST AIRLINES C      COM   544741108          27        1650  SH      DEFINED                                          1,650
LOWES COMPANIES INC       COM   548661107          41         900  SH      DEFINED         2          900
LOWES COMPANIES INC       COM   548661107         227       5,000  SH      DEFINED         2        4,000        1,000
LOWES COMPANIES INC       COM   548661107         675      14,868  SH      DEFINED         1       12,452                   2,416
LOWES COMPANIES INC       COM   548661107         436       9,600  SH      DEFINED         1                     9,600
LUCENT TECHNOLOGIES       COM   549463107          34      20,253  SH      DEFINED         2       20,253
LUCENT TECHNOLOGIES       COM   549463107          14       8,604  SH      DEFINED         2                     8,044        560
LUCENT TECHNOLOGIES       COM   549463107          49      29,305  SH      DEFINED         1       27,165                   2,140
LUCENT TECHNOLOGIES       COM   549463107          50      30,102  SH      DEFINED         1       25,800        2,682      1,620
LUCENT TECHNOLOGIES       COM   549463107          20      12,236  SH      DEFINED                 12,236
LUCENT TECHNOLOGIES       COM   549463107           3       1,555  SH      DEFINED                  1,164          391
MPS GROUP INC.            COM   553409103          85      10,000  SH      DEFINED         1       10,000
MAHASKA INVESTMENT C      COM   559809108          19        1340  SH      DEFINED                                          1,340
MANULIFE FINANCIAL        COM   56501R106       4,374     152,937  SH      DEFINED         1      152,937
MARSHALL & ILSLEY CO      COM   571834100          39        1262  SH      DEFINED                                          1,262
MARRIOTT INTERNATIO       COM   571903202         330       8,675  SH      DEFINED         1        8,675
MCDONALDS CORP            COM   580135101         256       9,000  SH      DEFINED         2        9,000
MCDONALDS CORP            COM   580135101         182       6,400  SH      DEFINED         2                     6,400
MCDONALDS CORP            COM   580135101         218       7,646  SH      DEFINED         1        4,375                   3,271
MCDONALDS CORP            COM   580135101         228       8,000  SH      DEFINED         1        8,000
MCGRAW HILL COMPANI       COM   580645109         827      13,849  SH      DEFINED         1       11,541                   2,308
MCGRAW HILL COMPANI       COM   580645109         325       5,440  SH      DEFINED                  5,440
MEDTRONIC INC             COM   585055106       1,170      27,295  SH      DEFINED         2       27,295
MEDTRONIC INC             COM   585055106         124       2,900  SH      DEFINED         2          200        2,700
MEDTRONIC INC             COM   585055106       2,726      63,614  SH      DEFINED         1       60,947                   2,667
MEDTRONIC INC             COM   585055106          42         990  SH      DEFINED         1          665          325
MEDTRONIC INC             COM   585055106         818      19,090  SH      DEFINED                 18,851                     239
MEDTRONIC INC             COM   585055106          32         739  SH      DEFINED                                 739
MEDTRONIC INC             COM   585055106       2,910      67,900  SH      DEFINED         1        2,910
MERCHANTS BANCSHARE       COM   588448100         426      15,000  SH      DEFINED         2                    15,000
MERCK & CO., INC          COM   589331107       4,167      82,278  SH      DEFINED         2       81,778          500
MERCK & CO., INC          COM   589331107         699      13,812  SH      DEFINED         2        1,800       12,012
MERCK & CO., INC          COM   589331107       6,419     126,764  SH      DEFINED         1      122,610                   4,154
MERCK & CO., INC          COM   589331107       1,693      33,434  SH      DEFINED         1        8,485        5,919     19,030
MERCK & CO., INC          COM   589331107       1,612      31,827  SH      DEFINED                 31,331                     496
MERCK & CO., INC          COM   589331107          15         300  SH      DEFINED                                 300
MERCK & CO., INC          COM   589331107       5,115     101,000  SH      DEFINED         1        5,115
MERRILL LYNCH AND C       COM   590188108         246       6,071  SH      DEFINED         1        5,397                     674
MERRILL LYNCH AND C       COM   590188108         226       5,586  SH      DEFINED                  5,586
MERRILL LYNCH AND C       COM   590188108          19         480  SH      DEFINED                                 480
MICROSOFT CORP            COM   594918104          27         500  SH      DEFINED                                            500
MICROSOFT                 COM   594918104       4,641      84,850  SH      DEFINED         1        4,641
MICROSOFT CORPORATI       COM   594918104       2,928      53,520  SH      DEFINED         2       53,020          500
MICROSOFT CORPORATI       COM   594918104         695      12,700  SH      DEFINED         2          600       12,100
MICROSOFT CORPORATI       COM   594918104       5,713     104,450  SH      DEFINED         1       78,700                  25,750
MICROSOFT CORPORATI       COM   594918104         402       7,358  SH      DEFINED         1        5,303          370      1,685
MICROSOFT CORPORATI       COM   594918104       1,714      31,335  SH      DEFINED                 31,335
MICROSOFT CORPORATI       COM   594918104          40         740  SH      DEFINED                                 740
MIRANT CORPORATION        COM   604675108         218      29,867  SH      DEFINED         1       29,272                     595
MIRANT CORPORATION        COM   604675108          15       2,040  SH      DEFINED         1           58        1,982
MORGAN STANLEY            COM   617446448       3,451      80,100  SH      DEFINED         1        3,451
MORGAN STANLEY DEAN       COM   617446448         258       6,000  SH      DEFINED         2        6,000
MORGAN STANLEY DEAN       COM   617446448         127       2,950  SH      DEFINED         2                     2,950
MORGAN STANLEY DEAN       COM   617446448       1,900      44,101  SH      DEFINED         1       43,501                     600
MORGAN STANLEY DEAN       COM   617446448         118       2,740  SH      DEFINED         1          390        2,350
MORGAN STANLEY DEAN       COM   617446448         916      21,263  SH      DEFINED                 21,263
MORGAN STANLEY DEAN       COM   617446448           3          75  SH      DEFINED                                  75
MOTOROLA, INC             COM   620076109       1,285      89,100  SH      DEFINED         1        1,285
MOTOROLA, INC             COM   620076109         390      26,737  SH      DEFINED         2       26,737
MOTOROLA, INC             COM   620076109          13         900  SH      DEFINED         2                       900
MOTOROLA, INC             COM   620076109         902      61,814  SH      DEFINED         1       60,389                   1,425
MOTOROLA, INC             COM   620076109          16       1,085  SH      DEFINED         1          920          165
MOTOROLA, INC             COM   620076109         437      29,968  SH      DEFINED                 29,968
MOTOROLA, INC             COM   620076109          11         725  SH      DEFINED                                 725
NATIONAL DEPENDENT        COM   629005109           0     282,992  SH      DEFINED         1      282,992
PREFERRED LAND CORP       COM   629994104           0      15,000  SH      DEFINED         1       15,000
NATIONAL COMMERCE FI      COM   63545P104          32        1209  SH      DEFINED                                          1,209
NEXTEL COMM INC           COM   65332V103           3        1000  SH      DEFINED                                          1,000
NOKIA CORP                COM   654902204          25        1693  SH      DEFINED                                          1,693
NOKIA CORP-SPONSORE       COM   654902204         159      10,949  SH      DEFINED         1       10,550                     399
NOKIA CORP-SPONSORE       COM   654902204          19       1,300  SH      DEFINED         1                                1,300
NORFOLK SOUTHERN CO       COM   655844108         191       8,180  SH      DEFINED         1        8,180
NORFOLK SOUTHERN CO       COM   655844108          70       3,000  SH      DEFINED         1                                3,000
NORFOLK SOUTHERN CO       COM   655844108         666      28,500  SH      DEFINED                 28,500
NORTEL NETWORKS COR       COM   656568102          16      10,974  SH      DEFINED         1       10,974
NORTEL NETWORKS COR       COM   656568102           2       1,398  SH      DEFINED         1                       765        633
NORTH FORK BANCORP I      COM   659424105         252        6318  SH      DEFINED                                          6,318
NORTH VALLEY BANCORP      COM   66304M105          48        3000  SH      DEFINED                                          3,000
NORTHERN EMPIRE BANC      COM   665112108         208        7361  SH      DEFINED                                          7,361
NORTHRIM BK ALASKA        COM   666764105          33        2291  SH      DEFINED                                          2,291
OLD DOMINION FGHT LI      COM   679580100          15        1000  SH      DEFINED                                          1,000
ORACLE CORPORATION        COM   68389X105         470      49,595  SH      DEFINED         2       49,595
ORACLE CORPORATION        COM   68389X105          44       4,600  SH      DEFINED         2                     4,600
ORACLE CORPORATION        COM   68389X105       2,337     246,778  SH      DEFINED         1      234,481                  12,297
ORACLE CORPORATION        COM   68389X105         365      38,524  SH      DEFINED         1       20,805       12,552      5,167
ORACLE CORPORATION        COM   68389X105         578      61,023  SH      DEFINED                 59,824                   1,199
ORACLE CORPORATION        COM   68389X105          14       1,450  SH      DEFINED                               1,450
ORACLE CORPORATION        COM   68389X105           9        1000  SH      DEFINED                                          1,000
ORACLE CORPORATION        COM   68389X105       1,248     131,748  SH      DEFINED         1        1,248
PAB BANKSHARES, INC       COM   69313P101         761      89,742  SH      DEFINED         1       89,592                     150
PPG INDUSTRIES, INC       COM   693506107          93       1,500  SH      DEFINED         2        1,500
PPG INDUSTRIES, INC       COM   693506107         254       4,100  SH      DEFINED         2                     4,100
PPG INDUSTRIES, INC       COM   693506107         393       6,350  SH      DEFINED         1        6,350
PPG INDUSTRIES, INC       COM   693506107         248       4,000  SH      DEFINED         1        4,000
PACIFIC CREST CAPITA      COM   694166109          87        3100  SH      DEFINED                                          3,100
S&P 500 INDEX OPTION      COM   6U899Q14           92         100  CALL    DEFINED         1           92
PARKVALE FINANCIAL C      COM   701492100           9         312  SH      DEFINED                                            312
PEPSICO, INC.             COM   713448108       1,248      25,900  SH      DEFINED         1        1,248
PEPSICO, INC.             COM   713448108       1,099      22,810  SH      DEFINED         2       22,810
PEPSICO, INC.             COM   713448108         251       5,200  SH      DEFINED         2                     5,200
PEPSICO, INC.             COM   713448108         310       6,423  SH      DEFINED         1        5,389                   1,034
PEPSICO, INC.             COM   713448108         326       6,770  SH      DEFINED         1        6,170          600
PEPSICO, INC.             COM   713448108         634      13,144  SH      DEFINED                 12,844          300
PEPSICO, INC.             COM   713448108           6         120  SH      DEFINED                                 120
PERPETUAL FED SAVING      COM   714273109           8         420  SH      DEFINED                                            420
PFIZER INC                COM   717081103          26         750  SH      DEFINED                                            750
PFIZER INC                COM   717081103       3,387      96,779  SH      DEFINED         2       96,279          500
PFIZER INC                COM   717081103         634      18,125  SH      DEFINED         2                    16,025      2,100
PFIZER INC                COM   717081103       7,253     207,238  SH      DEFINED         1      199,046                   8,192
PFIZER INC                COM   717081103       1,462      41,780  SH      DEFINED         1       12,455       15,846     13,479
PFIZER INC                COM   717081103       3,369      96,266  SH      DEFINED                 95,666                     600
PFIZER INC                COM   717081103          38       1,086  SH      DEFINED                               1,086
PFIZER INC                COM   717081103       4,669     133,400  SH      DEFINED         1        4,669
PHILIP MORRIS COMPA       COM   718154107          26         593  SH      DEFINED                                            593
PHILIP MORRIS COMPA       COM   718154107       1,850      42,350  SH      DEFINED         2       42,350
PHILIP MORRIS COMPA       COM   718154107         343       7,853  SH      DEFINED         2          800        7,053
PHILIP MORRIS COMPA       COM   718154107         351       8,027  SH      DEFINED         1        7,443                     584
PHILIP MORRIS COMPA       COM   718154107         210       4,800  SH      DEFINED         1                                4,800
PHILIP MORRIS COMPA       COM   718154107         298       6,815  SH      DEFINED                  6,815
PRAXAIR, INC.             COM   74005P104         445       7,813  SH      DEFINED         1                                7,813
PREPAID LEGAL SERVI       COM   740065107         485      24,369  SH      DEFINED         1       24,369
PREMIERE TECH INC         COM   74058F102          11        2000  SH      DEFINED                                          2,000
PRICE T ROWE GROUP        COM   74144T108         207       6,300  SH      DEFINED         2                     6,300
PRICE T ROWE GROUP        COM   74144T108         223       6,774  SH      DEFINED                  6,774
PROCTOR & GAMBLE          COM   742718109       2,277      25,500  SH      DEFINED         1        2,277
PROCTOR & GAMBLE          COM   742718109       2,675      29,955  SH      DEFINED         2       29,955
PROCTOR & GAMBLE          COM   742718109         417       4,670  SH      DEFINED         2          600        4,070
PROCTOR & GAMBLE          COM   742718109       2,986      33,443  SH      DEFINED         1       33,168                     275
PROCTOR & GAMBLE          COM   742718109          26         295  SH      DEFINED         1           95          200
PROCTOR & GAMBLE          COM   742718109         699       7,829  SH      DEFINED                  7,829
PROVIDIAN FINANCIAL       COM   74406A102         156      26,474  SH      DEFINED         1        2,568                  23,906
QWEST COMMUNICATION       COM   749121109          21       7,390  SH      DEFINED         1        4,760                   2,630
QWEST COMMUNICATION       COM   749121109          18       6,262  SH      DEFINED         1        6,262
RAYTHEON COMPANY          COM   755111507          86       2,104  SH      DEFINED         1        1,762                     342
RAYTHEON COMPANY          COM   755111507         173       4,255  SH      DEFINED         1        4,255
REGIONS FINANCIAL C       COM   758940100       1,762      50,134  SH      DEFINED         1       50,134
REGIONS FINANCIAL C       COM   758940100         311       8,842  SH      DEFINED                  8,842
REPUBLIC BANCSHARES       COM   759929102          67        3303  SH      DEFINED                                          3,303
REPUBLIC SERVICES INC     COM   760759100       1,907       1,000  SH      DEFINED         1        1,907
RESORTQUEST INTL INC      COM   761183102          11        2000  SH      DEFINED                                          2,000
ROUSE COMPANY             COM   779273101       1,106      33,528  SH      DEFINED         2       33,528
ROYAL BANCSHARES OF       COM   780081105          84        3938  SH      DEFINED                                          3,938
ROYAL DUTCH PETROLE       COM   780257804       1,934      35,000  SH      DEFINED         1        1,934
ROYAL DUTCH PETROLE       COM   780257804         297       5,375  SH      DEFINED         2        5,375
ROYAL DUTCH PETROLE       COM   780257804         271       4,900  SH      DEFINED         2                     4,900
ROYAL DUTCH PETROLE       COM   780257804       2,457      44,449  SH      DEFINED         1       40,940                   3,509
ROYAL DUTCH PETROLE       COM   780257804         253       4,570  SH      DEFINED         1          170        4,400
ROYAL DUTCH PETROLE       COM   780257804         219       3,964  SH      DEFINED                  3,964
ROYAL DUTCH PETROLE       COM   780257804           0           0  SH      DEFINED
SBC COMMUNICATIONS,       COM   78387G103       3,356     110,019  SH      DEFINED         1        3,356
SBC COMMUNICATIONS,       COM   78387G103       1,403      45,984  SH      DEFINED         2       45,484          500
SBC COMMUNICATIONS,       COM   78387G103         270       8,858  SH      DEFINED         2          400        8,458
SBC COMMUNICATIONS,       COM   78387G103       3,153     103,393  SH      DEFINED         1       95,498                   7,895
SBC COMMUNICATIONS,       COM   78387G103         719      23,577  SH      DEFINED         1       13,403        8,480      1,694
SBC COMMUNICATIONS,       COM   78387G103       1,073      35,182  SH      DEFINED                 34,782          400
SBC COMMUNICATIONS,       COM   78387G103          16         510  SH      DEFINED                                 510
S1 CORPORATION            COM   78463B101         431       58300  SH      DEFINED                                         58,300
STRATEGIC TECHNOLOG       COM   786991109           0      38,000  SH      DEFINED         1       38,000
ST JOE PAPER              COM   790148100          31        1018  SH      DEFINED                                          1,018
SANFILIPPO JOHN B &       COM   800422107         504      72,110  SH      DEFINED                 72,110
SARA LEE CORPORATIO       COM   803111103         283      13,727  SH      DEFINED         2       13,727
SARA LEE CORPORATIO       COM   803111103          60       2,900  SH      DEFINED         2                     2,900
SARA LEE CORPORATIO       COM   803111103         285      13,784  SH      DEFINED         1       13,784
SARA LEE CORPORATIO       COM   803111103         268      13,000  SH      DEFINED         1        8,000                   5,000
SCHERING PLOUGH COR       COM   806605101         322      13,100  SH      DEFINED         2       13,100
SCHERING PLOUGH COR       COM   806605101         108       4,400  SH      DEFINED         2                     4,400
SCHERING PLOUGH COR       COM   806605101       1,347      54,764  SH      DEFINED         1       54,314                     450
SCHERING PLOUGH COR       COM   806605101         148       6,000  SH      DEFINED         1        6,000
SCHERING PLOUGH COR       COM   806605101         919      37,360  SH      DEFINED                 37,360
SCHLUMBERGER LTD          COM   806857108       2,904      62,450  SH      DEFINED         1        2,904
SCHLUMBERGER LTD          COM   806857108         644      13,857  SH      DEFINED         2       13,857
SCHLUMBERGER LTD          COM   806857108         124       2,675  SH      DEFINED         2                     2,675
SCHLUMBERGER LTD          COM   806857108       2,393      51,466  SH      DEFINED         1       50,943                     523
SCHLUMBERGER LTD          COM   806857108         192       4,130  SH      DEFINED         1        3,230                     900
SCHLUMBERGER LTD          COM   806857108         607      13,062  SH      DEFINED                 12,615                     447
SCHLUMBERGER LTD          COM   806857108          20         425  SH      DEFINED                                 425
SCHOLASTIC CORPORAT       COM   807066105         307       8,102  SH      DEFINED         1        8,102
SEARS ROEBUCK & CO        COM   812387108         307       5,651  SH      DEFINED                  5,651
SERVICE CORPORATION       COM   817565104          24        5000  SH      DEFINED                                          5,000
SERVICEMASTER CO          COM   81760N109         677      49,333  SH      DEFINED         1                    49,333
SIRIUS SATELLITE RAD      COM   82966U103           8        2000  SH      DEFINED                                          2,000
THE J.M. SMUCKER COM      COM   832696405          31         910  SH      DEFINED         1           31
SONOCO PRODUCTS COM       COM   835495102         317      11,180  SH      DEFINED                 11,180
SOUTHERN COMPANY          COM   842587107         523      19,073  SH      DEFINED         2       17,073        2,000
SOUTHERN COMPANY          COM   842587107         395      14,415  SH      DEFINED         2                    14,415
SOUTHERN COMPANY          COM   842587107       4,627     168,871  SH      DEFINED         1      167,371                   1,500
SOUTHERN COMPANY          COM   842587107         157       5,738  SH      DEFINED         1          748        4,990
SOUTHERN COMPANY          COM   842587107       1,005      36,681  SH      DEFINED                 36,681
SOUTHERN COMPANY          COM   842587107         162       5,900  SH      DEFINED                               5,900
SOUTHERN COMPANY          COM   842587107       4,559     166,400  SH      DEFINED         1        4,559
SOUTHTRUST CORPORAT       COM   844730101         385      14,750  SH      DEFINED         2       14,750
SOUTHTRUST CORPORAT       COM   844730101          26         985  SH      DEFINED         2                       985
SOUTHTRUST CORPORAT       COM   844730101       2,764     105,835  SH      DEFINED         1      105,585                     250
SOUTHTRUST CORPORAT       COM   844730101         542      20,746  SH      DEFINED         1          700       20,046
SOUTHTRUST CORPORAT       COM   844730101         941      36,032  SH      DEFINED                 36,032
SOUTHTRUST CORPORAT       COM   844730101          49       1,869  SH      DEFINED                               1,869
SOUTHTRUST CORPORAT       COM   844730101       3,368     128,950  SH      DEFINED         1        3,368
SPRINT, CORP              COM   852061100         180      16,923  SH      DEFINED         1       12,823                   4,100
SPRINT, CORP              COM   852061100          85       8,000  SH      DEFINED         1        8,000
SPRINT CORPORATION        COM   852061506          28       6,218  SH      DEFINED         1        4,898                   1,320
SPRINT CORPORATION        COM   852061506          18       4,000  SH      DEFINED         1        4,000
STEELCASE INC. CLAS       COM   858155401         219      12,857  SH      DEFINED                 12,857
STERLING FINL CORP        COM   859319105          10         532  SH      DEFINED                                            532
SUMMIT BANK CORPORA       COM   866013105         315      18,000  SH      DEFINED         1       18,000
SUN MICROSYSTEMS, I       COM   866810104         406      81,100  SH      DEFINED         1          406
SUN MICROSYSTEMS, I       COM   866810104         255      50,949  SH      DEFINED         2       50,949
SUN MICROSYSTEMS, I       COM   866810104          38       7,675  SH      DEFINED         2                     6,875        800
SUN MICROSYSTEMS, I       COM   866810104         643     128,303  SH      DEFINED         1      124,559                   3,744
SUN MICROSYSTEMS, I       COM   866810104          46       9,166  SH      DEFINED         1        5,270        3,896
SUN MICROSYSTEMS, I       COM   866810104         508     101,426  SH      DEFINED                101,426
SUN MICROSYSTEMS, I       COM   866810104           4         700  SH      DEFINED                                 700
SUNGARD DATA SYS INC      COM   867363103           8         300  SH      DEFINED                                            300
SUNTRUST BANKS INC        COM   867914103       1,887      27,872  SH      DEFINED         2       27,872
SUNTRUST BANKS INC        COM   867914103         479       7,072  SH      DEFINED         2                     6,640        432
SUNTRUST BANKS INC        COM   867914103      17,906     264,416  SH      DEFINED         1      254,832                   9,584
SUNTRUST BANKS INC        COM   867914103       1,117      16,496  SH      DEFINED         1        1,000       11,496      4,000
SYNOVUS FINANCIAL C       COM   87161C105      17,498     635,829  SH      DEFINED         2      635,829
SYNOVUS FINANCIAL C       COM   87161C105         715      25,974  SH      DEFINED         2       25,771          203
SYNOVUS FINANCIAL C       COM   87161C105   1,074,998  39,062,410  SH      DEFINED         1   34,826,892               4,235,518
SYNOVUS FINANCIAL C       COM   87161C105      23,311     847,041  SH      DEFINED         1       12,150      715,343    119,548
SYNOVUS FINANCIAL C       COM   87161C105       7,516     273,124  SH      DEFINED                241,408                  31,716
SYNOVUS FINANCIAL C       COM   87161C105       3,408     123,821  SH      DEFINED                 35,635       31,874     56,312
SYSCO CORP                COM   871829107         264       9,700  SH      DEFINED         1        9,700
TECO ENERGY INC.          COM   872375100         467      18,862  SH      DEFINED         2       18,862
TECO ENERGY INC.          COM   872375100         163       6,592  SH      DEFINED         2        3,300        3,292
TARGET CORP               COM   87612E106         994      26,100  SH      DEFINED         2       26,100
TARGET CORP               COM   87612E106         416      10,925  SH      DEFINED         2          400       10,525
TARGET CORP               COM   87612E106       3,407      89,412  SH      DEFINED         1       89,412
TARGET CORP               COM   87612E106          16         430  SH      DEFINED         1          430
TARGET CORP               COM   87612E106         305       7,997  SH      DEFINED                  7,997
TARGET CORP               COM   87612E106          10         275  SH      DEFINED                                 275
TARGET CORP               COM   87612E106       4,763     125,000  SH      DEFINED         1        4,763
TELLABS, INC. DELEW       COM   879664100         152      24,589  SH      DEFINED         1       24,589
TELLABS, INC. DELEW       COM   879664100           1         210  SH      DEFINED         1          210
TENET HEALTHCARE CO       COM   88033G100         215       3,000  SH      DEFINED         2                     3,000
TEXAS INSTRUMENTS I       COM   882508104         400      16,875  SH      DEFINED         2       16,875
TEXAS INSTRUMENTS I       COM   882508104           9         400  SH      DEFINED         2                       400
TEXAS INSTRUMENTS I       COM   882508104         521      21,985  SH      DEFINED         1       18,798                   3,187
TEXAS INSTRUMENTS I       COM   882508104          70       2,950  SH      DEFINED         1          100        1,650      1,200
TEXAS INSTRUMENTS I       COM   882508104         228       9,600  SH      DEFINED                  9,600
3M CO.                    COM   88579Y101         406       3,300  SH      DEFINED         2        3,300
3M CO.                    COM   88579Y101         320       2,600  SH      DEFINED         2          800        1,800
3M CO.                    COM   88579Y101       1,815      14,758  SH      DEFINED         1       14,680                      78
3M CO.                    COM   88579Y101         344       2,800  SH      DEFINED         1        2,000          800
TOMPKINS TRUST CO IN      COM   890110109         121        2475  SH      DEFINED                                          2,475
TORCHMARK CORPORATI       COM   891027104         306       8,008  SH      DEFINED         2                     8,008
TORCHMARK CORPORATI       COM   891027104         857      22,437  SH      DEFINED         1       22,437
TORCHMARK CORPORATI       COM   891027104         243       6,356  SH      DEFINED                  6,356
TOTAL SYSTEM SERVICE      COM   891906109         348      18,500  SH      DEFINED                                         18,500
TOTAL SYSTEM SERVIC       COM   891906109      42,162   2,241,459  SH      DEFINED         1    2,207,658                  33,801
TOTAL SYSTEM SERVIC       COM   891906109       4,388     233,290  SH      DEFINED         1                   227,240      6,050
TOTAL SYSTEM SERVIC       COM   891906109           2         100  SH      DEFINED         1          100
TOYS R US HLDG CO         COM   892335100           9         500  SH      DEFINED                                            500
TYCO INTL LTD             COM   902124106           7         501  SH      DEFINED                                            501
TYCO INTERNATIONAL        COM   902124106         649      48,044  SH      DEFINED         2       47,294          750
TYCO INTERNATIONAL        COM   902124106         132       9,750  SH      DEFINED         2                     9,750
TYCO INTERNATIONAL        COM   902124106       1,076      79,640  SH      DEFINED         1       77,227                   2,413
TYCO INTERNATIONAL        COM   902124106          61       4,530  SH      DEFINED         1        1,130                   3,400
TYCO INTERNATIONAL        COM   902124106         272      20,162  SH      DEFINED                 20,162
TYCO INTERNATIONAL        COM   902124106           6         425  SH      DEFINED                                 425
TYCO INTERNATIONAL        COM   902124106       2,475     183,200  SH      DEFINED         1        2,475
U S BANCORP               COM   902973304          11         489  SH      DEFINED                                            489
U S BANCORP DEL COM       COM   902973304         556      23,803  SH      DEFINED         1       23,803
U S BANCORP DEL COM       COM   902973304         113       4,829  SH      DEFINED         1                     4,150        679
UNITED TECHNOLOGIES       COM   913017109         605       8,909  SH      DEFINED         2        8,909
UNITED TECHNOLOGIES       COM   913017109          90       1,330  SH      DEFINED         2                     1,330
UNITED TECHNOLOGIES       COM   913017109       3,665      53,977  SH      DEFINED         1       41,688                  12,289
UNITED TECHNOLOGIES       COM   913017109          33         480  SH      DEFINED         1          330          150
UNITED TECHNOLOGIES       COM   913017109         794      11,687  SH      DEFINED                 11,312                     375
UNITED TECHNOLOGIES       COM   913017109           3          50  SH      DEFINED                                  50
UNITED TECHNOLOGIES       COM   913017109       4,376      64,450  SH      DEFINED         1        4,376
VERIZON COMMUNICATI       COM   92343V104       1,749      43,574  SH      DEFINED         2       43,574
VERIZON COMMUNICATI       COM   92343V104         423      10,543  SH      DEFINED         2          900        9,007        636
VERIZON COMMUNICATI       COM   92343V104       6,204     154,526  SH      DEFINED         1      152,216                   2,310
VERIZON COMMUNICATI       COM   92343V104       1,000      24,907  SH      DEFINED         1        9,159       14,410      1,338
VERIZON COMMUNICATI       COM   92343V104         556      13,846  SH      DEFINED                 13,846
VERIZON COMMUNICATI       COM   92343V104          96       2,382  SH      DEFINED                  2,332           50
VERIZON COMMUNICATI       COM   92343V104       3,291      81,962  SH      DEFINED         1        3,291
VIACOM INC NON-VOTI       COM   925524308          81       1,826  SH      DEFINED         1          496                   1,330
VIACOM INC NON-VOTI       COM   925524308         385       8,680  SH      DEFINED         1        8,680
VULCAN MATERIALS CO       COM   929160109         893      20,392  SH      DEFINED                 20,392
VULCAN MATERIALS CO       COM   929160109          35         792  SH      DEFINED                                 792
WACHOVIA CORP 2ND N       COM   929903102         212       5,554  SH      DEFINED         2        5,554
WACHOVIA CORP 2ND N       COM   929903102         664      17,400  SH      DEFINED         2          400       17,000
WACHOVIA CORP 2ND N       COM   929903102       4,565     119,567  SH      DEFINED         1      104,720                  14,847
WACHOVIA CORP 2ND N       COM   929903102         944      24,720  SH      DEFINED         1        5,000        9,852      9,868
WADDELL AND REED FI       COM   930059100         231      10,073  SH      DEFINED         1       10,073
WAL-MART CORP             COM   931142103          22         400  SH      DEFINED                                            400
WAL-MART STORES, IN       COM   931142103       3,955      71,900  SH      DEFINED         1        3,955
WAL-MART STORES, IN       COM   931142103       4,328      78,682  SH      DEFINED         2       77,882          800
WAL-MART STORES, IN       COM   931142103         428       7,788  SH      DEFINED         2                     7,788
WAL-MART STORES, IN       COM   931142103       4,709      85,597  SH      DEFINED         1       84,336                   1,261
WAL-MART STORES, IN       COM   931142103         850      15,446  SH      DEFINED         1        6,530        7,696      1,220
WAL-MART STORES, IN       COM   931142103       3,183      57,867  SH      DEFINED                 57,867
WAL-MART STORES, IN       COM   931142103          11         200  SH      DEFINED                                 200
WALGREEN COMPANY          COM   931422109         793      20,524  SH      DEFINED         2       20,524
WALGREEN COMPANY          COM   931422109          44       1,150  SH      DEFINED         2                     1,150
WALGREEN COMPANY          COM   931422109       1,738      45,000  SH      DEFINED         1        1,738
WASHINGTON MUTUAL,        COM   939322103         128       3,460  SH      DEFINED         2        3,460
WASHINGTON MUTUAL,        COM   939322103         283       7,615  SH      DEFINED         2                     7,615
WASH TR BANCORP INC       COM   940610108          42        1767  SH      DEFINED                                          1,767
WEBSTER FINANCIAL CO      COM   947890109          46        1216  SH      DEFINED                                          1,216
WELLPOINT HEALTH NE       COM   94973H108         353       4,540  SH      DEFINED         1        4,540
WELLS FARGO & CO.         COM   949746101          17         334  SH      DEFINED                                            334
WELLS FARGO & CO.         COM   949746101          98       1,956  SH      DEFINED         1          770                   1,186
WELLS FARGO & CO.         COM   949746101         155       3,100  SH      DEFINED         1                     3,100
WEYERHAEUSER CO           COM   962166104         302       4,733  SH      DEFINED         1        4,733
WEYERHAEUSER CO           COM   962166104         144       2,261  SH      DEFINED         1          305          325      1,631
WILLIAMS COMPANIES        COM   969457100          63      10,501  SH      DEFINED         1        1,700                   8,801
WILSHIRE ST BANK          COM   97200A101          18         660  SH      DEFINED                                            660
WINN-DIXIE STORES,        COM   974280109         111       7,132  SH      DEFINED         2        7,132
WINN-DIXIE STORES,        COM   974280109         499      31,996  SH      DEFINED         2       31,996
WINN-DIXIE STORES,        COM   974280109         515      33,036  SH      DEFINED         1       33,036
WORLDCOM INC. GA NE       COM   98157D106          38      46,219  SH      DEFINED         2       46,219
WORLDCOM INC. GA NE       COM   98157D106           6       7,135  SH      DEFINED         2                     7,135
WORLDCOM INC. GA NE       COM   98157D106          99     118,951  SH      DEFINED         1      115,251                   3,700
WORLDCOM INC. GA NE       COM   98157D106           3       3,925  SH      DEFINED         1          595          345      2,985
WORLDCOM INC. GA NE       COM   98157D106          22      26,546  SH      DEFINED                 26,546
WORLDCOM INC. GA NE       COM   98157D106           1       1,104  SH      DEFINED                               1,104
WYETH                     COM   983024100         489       9,545  SH      DEFINED         2        9,145          400
WYETH                     COM   983024100         778      15,200  SH      DEFINED         2                    14,000      1,200
WYETH                     COM   983024100       3,298      64,408  SH      DEFINED         1       32,261                  32,147
WYETH                     COM   983024100         164       3,200  SH      DEFINED         1                     3,200
WYETH                     COM   983024100         414       8,094  SH      DEFINED                  8,094
WYETH                     COM   983024100          18         350  SH      DEFINED                                 350
YUM BRANDS INC.           COM   988498101         327      11,196  SH      DEFINED         1       11,196
YUM BRANDS INC.           COM   988498101          16         560  SH      DEFINED         1          560
YUM BRANDS INC.           COM   988498101         226       7,740  SH      DEFINED                  7,740
YUM! BRANDS INC           COM   988498101       2,439      83,400  SH      DEFINED         1        2,439
ZIMMER HOLDINGS INC       COM   98956P102          56       1,561  SH      DEFINED         1        1,521                      40
ZIMMER HOLDINGS INC       COM   98956P102         176       4,931  SH      DEFINED         1        4,065          586        280