UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: December 31, 2002
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ]is a restatement
[ ]adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: Regions Financial Corporation
Address: 417 North 20th Street
Birmingham, AL 35202
Form 13F File Number: 28-01129
The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Ronald C. Jackson
Title: Senior Vice President and Comptroller
Phone: 205/326-7090
Signature, Place, and Date of Signing:
/s/Ronald C. Jackson Birmingham, Alabama February 13, 2003
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X]13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[ ]13F NOTICE. (Check here if no holdings reported are in this
report, and all holdings are reported by other reporting
manager(s).)
[ ]13F COMBINATION REPORT. (Check here if a portion of the
holdings for this reporting manager are reported in this
report and a portion are reported by other reporting
manager(s).)
List of Other Managers Reporting for this Manager: None
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 758
Form 13F Information Table Value Total: $2,056,395(thousands)
List of Other Included Managers: None
Provide a numbered list of the name(s) and Form 13F file
number(s) of all institutional investment managers with respect
to which this report is filed, other than the manager filing this
report.
Form 13F INFORMATION TABLE
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
NAME OF ISSUER TITLE OF CLASS CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY
(THOUSANDS) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE
XCELERA INC COM G31611109 11 18,036 SH DEFINED 18,036
GLOBALSANTAFE CORPORATION SHS G3930E101 191 7,873 SH DEFINED 7,223 650
GLOBALSANTAFE CORPORATION SHS G3930E101 131 5,400 SH OTHER 5,400
INGERSOLL-RAND COMPANY LTD CL A G4776G101 3,805 88,355 SH DEFINED 85,720 2,635
INGERSOLL-RAND COMPANY LTD CL A G4776G101 37 859 SH OTHER 859
NABORS INDUSTRIES LTD SHS G6359F103 196 5,566 SH DEFINED 4,102 1,464
NABORS INDUSTRIES LTD SHS G6359F103 8 240 SH OTHER 240
TRANSOCEAN SEDCO FOREX INC ORD G90078109 196 8,444 SH DEFINED 7,759 685
TRANSOCEAN SEDCO FOREX INC ORD G90078109 252 10,869 SH OTHER 483 96 10,290
WEATHERFORD INTL LTD COM G95089101 2,531 63,392 SH DEFINED 62,008 1,384
FLEXTRONICS INTL ADR ORD Y2573F102 10,731 1,310,308 SH DEFINED 1,306,550 3,758
FLEXTRONICS INTL ADR ORD Y2573F102 6 680 SH OTHER 680
AFLAC INC COM 001055102 6,509 216,105 SH DEFINED 210,320 200 5,585
AFLAC INC COM 001055102 1,317 43,715 SH OTHER 36,295 3,090 4,330
AGL RES INC COM 001204106 43 1,760 SH DEFINED 1,760
AGL RES INC COM 001204106 357 14,672 SH OTHER 11,700 2,972
AOL TIME WARNER INC COM 00184A105 361 27,586 SH DEFINED 15,139 12,447
AOL TIME WARNER INC COM 00184A105 103 7,831 SH OTHER 7,106 725
AT&T CORP COM NEW 001957505 283 10,846 SH DEFINED 10,435 411
AT&T CORP COM NEW 001957505 134 5,117 SH OTHER 2,426 1,628 1,063
AT & T WIRELESS SERVICES INC COM 00209A106 92 16,354 SH DEFINED 16,063 291
AT & T WIRELESS SERVICES INC COM 00209A106 31 5,514 SH OTHER 3,925 1,300 289
ABBOTT LABORATORIES COM 002824100 15,315 382,886 SH DEFINED 374,986 1,840 6,060
ABBOTT LABORATORIES COM 002824100 1,031 25,775 SH OTHER 12,010 10,425 3,340
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 13,228 646,540 SH DEFINED 642,625 3,915
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 65 3,200 SH OTHER 2,800 400
ABERDEEN ASIA PAC PRIME INC COM 003009107 51 11,000 SH DEFINED 11,000
ABERDEEN ASIA PAC PRIME INC COM 003009107 116 25,000 SH OTHER 25,000
AEGON N V ADR ORD AMER REG 007924103 308 23,989 SH DEFINED 23,879 110
AEGON N V ADR ORD AMER REG 007924103 289 22,533 SH OTHER 14,241 7,992 300
AFFILIATED COMPUTER SVCS INC CL A 008190100 2,239 42,535 SH DEFINED 41,073 1,462
AFFILIATED COMPUTER SVCS INC CL A 008190100 11 200 SH OTHER 200
AGILENT TECHNOLOGIES INC COM 00846U101 114 6,360 SH DEFINED 5,622 738
AGILENT TECHNOLOGIES INC COM 00846U101 72 3,992 SH OTHER 3,535 457
AIR PRODUCTS & CHEMICALS INC COM 009158106 130 3,041 SH DEFINED 3,041
AIR PRODUCTS & CHEMICALS INC COM 009158106 215 5,032 SH OTHER 4,032 1,000
ALABAMA NATL BANCORPORATION DEL COM 010317105 419 9,625 SH DEFINED 9,625
ALABAMA NATL BANCORPORATION DEL COM 010317105 22 500 SH OTHER 500
ALBERTSONS INC COM 013104104 302 13,585 SH DEFINED 8,305 3,200 2,080
ALBERTSONS INC COM 013104104 29 1,315 SH OTHER 170 1,145
ALCOA INC COM 013817101 3,098 136,000 SH DEFINED 134,570 1,430
ALCOA INC COM 013817101 171 7,525 SH OTHER 6,640 725 160
ALFA CORP COM 015385107 481 40,008 SH DEFINED 40,008
ALFA CORP COM 015385107 17 1,396 SH OTHER 1,396
ALLSTATE CORP COM 020002101 2,444 66,077 SH DEFINED 56,804 2,748 6,525
ALLSTATE CORP COM 020002101 347 9,388 SH OTHER 6,719 2,669
ALLTEL CORP COM 020039103 1,138 22,303 SH DEFINED 20,763 1,540
ALLTEL CORP COM 020039103 349 6,835 SH OTHER 6,035 500 300
AMERICAN EAGLE OUTFITTERS IN COM 02553E106 3,858 280,000 SH DEFINED 280,000
AMERICAN ELECTRIC POWER INC COM 025537101 377 13,784 SH DEFINED 13,384 400
AMERICAN ELECTRIC POWER INC COM 025537101 10 377 SH OTHER 120 257
AMERICAN EXPRESS CO COM 025816109 11,574 327,415 SH DEFINED 314,796 12,619
AMERICAN EXPRESS CO COM 025816109 1,526 43,159 SH OTHER 36,642 4,685 1,832
AMERICAN INTL GROUP INC COM 026874107 19,091 330,018 SH DEFINED 315,966 100 13,952
AMERICAN INTL GROUP INC COM 026874107 2,450 42,343 SH OTHER 15,592 5,095 21,656
AMGEN INC COM 031162100 9,812 202,984 SH DEFINED 198,289 490 4,205
AMGEN INC COM 031162100 882 18,243 SH OTHER 7,243 1,883 9,117
AMSOUTH BANCORPORATION COM 032165102 8,839 460,342 SH DEFINED 427,229 33,113
AMSOUTH BANCORPORATION COM 032165102 6,412 333,984 SH OTHER 230,795 14,128 89,061
ANADARKO PETE CORP COM 032511107 2,106 43,977 SH DEFINED 43,337 640
ANADARKO PETE CORP COM 032511107 59 1,237 SH OTHER 1,047 190
ANHEUSER BUSCH COS INC COM 035229103 13,396 276,778 SH DEFINED 275,820 958
ANHEUSER BUSCH COS INC COM 035229103 556 11,491 SH OTHER 8,088 3,070 333
AON CORP COM 037389103 888 47,000 SH DEFINED 47,000
APACHE CORP COM 037411105 4,826 84,678 SH DEFINED 82,479 292 1,907
APACHE CORP COM 037411105 33 573 SH OTHER 374 149 50
APPLIED MATLS INC COM 038222105 12,993 997,142 SH DEFINED 952,722 44,420
APPLIED MATLS INC COM 038222105 186 14,240 SH OTHER 11,040 3,000 200
ARCHER DANIELS MIDLAND CO COM 039483102 510 41,165 SH DEFINED 39,915 1,250
ARCHER DANIELS MIDLAND CO COM 039483102 48 3,903 SH OTHER 2,153 700 1,050
ASTRAZENECA PLC SPONSORED ADR 046353108 220 6,270 SH DEFINED 5,870 400
ATLANTIC COAST AIR HLDGS INC COM 048396105 1,925 160,000 SH DEFINED 160,000
AUBURN NATIONAL BANCORPORATION COM 050473107 147 11,000 SH DEFINED 11,000
AUBURN NATIONAL BANCORPORATION COM 050473107 330 24,650 SH OTHER 24,650
AUTOMATIC DATA PROCESSING INC COM 053015103 8,369 213,211 SH DEFINED 211,409 1,802
AUTOMATIC DATA PROCESSING INC COM 053015103 480 12,217 SH OTHER 7,630 2,375 2,212
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 13 11,542 SH OTHER 11,542
AVERY DENNISON CORP COM 053611109 225 3,679 SH DEFINED 3,679
AVERY DENNISON CORP COM 053611109 61 1,000 SH OTHER 1,000
AVOCENT CORP COM 053893103 11,423 514,099 SH DEFINED 514,099
AVON PRODS INC COM 054303102 120 2,220 SH DEFINED 1,846 374
AVON PRODS INC COM 054303102 277 5,136 SH OTHER 5,136
BISYS GROUP INC COM 055472104 1,590 100,000 SH DEFINED 100,000
BJS WHSL CLUB INC COM 05548J106 2,636 144,066 SH DEFINED 144,066
BP PLC ADR SPONSORED ADR 055622104 9,469 232,937 SH DEFINED 227,030 5,907
BP PLC ADR SPONSORED ADR 055622104 2,887 71,021 SH OTHER 58,050 10,552 2,419
BMC SOFTWARE INC COM 055921100 5,089 297,447 SH DEFINED 296,247 1,200
BMC SOFTWARE INC COM 055921100 2 100 SH OTHER 100
BANCORPSOUTH INC COM 059692103 60 3,064 SH DEFINED 3,064
BANCORPSOUTH INC COM 059692103 194 10,000 SH OTHER 10,000
BANCTRUST FINANCIAL GP COM 05978R107 248 22,355 SH DEFINED 19,205 3,150
BANK AMER CORP COM 060505104 19,488 280,119 SH DEFINED 264,868 15,251
BANK AMER CORP COM 060505104 15,701 225,684 SH OTHER 214,659 10,905 120
BANK NEW YORK INC COM 064057102 1,224 51,095 SH DEFINED 47,787 3,308
BANK NEW YORK INC COM 064057102 91 3,780 SH OTHER 200 3,580
BANK ONE CORP COM 06423A103 311 8,498 SH DEFINED 8,032 466
BANK ONE CORP COM 06423A103 352 9,623 SH OTHER 7,623 2,000
BANKNORTH GROUP INC COM 06646R107 922 40,800 SH DEFINED 40,800
BARRICK GOLD CORP ADR COM 067901108 808 52,447 SH DEFINED 48,457 440 3,550
BARRICK GOLD CORP ADR COM 067901108 60 3,900 SH OTHER 490 3,410
BARR LABS INC COM 068306109 184 2,830 SH DEFINED 1,132 1,698
BARR LABS INC COM 068306109 19 285 SH OTHER 35 135 115
BAXTER INTERNATIONAL INC COM 071813109 4,481 160,047 SH DEFINED 159,347 700
BAXTER INTERNATIONAL INC COM 071813109 362 12,940 SH OTHER 10,760 2,080 100
BEAR STEARNS COS INC COM 073902108 161 2,716 SH DEFINED 2,716
BEAR STEARNS COS INC COM 073902108 70 1,177 SH OTHER 1,177
BECTON DICKINSON & CO COM 075887109 333 10,850 SH DEFINED 10,350 500
BECTON DICKINSON & CO COM 075887109 31 1,008 SH OTHER 1,008
BED BATH & BEYOND INC COM 075896100 5,589 161,870 SH DEFINED 157,993 3,877
BED BATH & BEYOND INC COM 075896100 76 2,195 SH OTHER 1,450 400 345
BELLSOUTH CORP COM 079860102 6,988 270,131 SH DEFINED 249,931 450 19,750
BELLSOUTH CORP COM 079860102 2,964 114,565 SH OTHER 65,276 30,498 18,791
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 4,874 67 SH DEFINED 59 8
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,601 22 SH OTHER 2 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 3,855 1,591 SH DEFINED 1,521 5 65
BERKSHIRE HATHAWAY INC DEL CL B 084670207 773 319 SH OTHER 306 13
BEST BUY INC COM 086516101 3,965 164,195 SH DEFINED 163,620 575
BEST BUY INC COM 086516101 193 7,980 SH OTHER 7,500 480
BIOCRYST PHARMACEUTICALS INC COM 09058V103 1 1,500 SH DEFINED 1,500
BIOCRYST PHARMACEUTICALS INC COM 09058V103 105 109,054 SH OTHER 1,000 108,054
BIOGEN INC COM 090597105 267 6,657 SH DEFINED 5,922 735
BIOGEN INC COM 090597105 47 1,171 SH OTHER 1,171
BLACK & DECKER MFG CO COM 091797100 246 5,725 SH DEFINED 4,790 935
BLACK & DECKER MFG CO COM 091797100 7 165 SH OTHER 165
BLACKROCK INSD MUN TERM TR INC COM 092474105 274 25,000 SH DEFINED 25,000
BLACKROCK INSD MUN INCOME TR COM 092479104 288 19,500 SH DEFINED 19,500
BLACKROCK MUNICIPAL BOND TR COM 09249H104 209 15,000 SH DEFINED 15,000
BLOCK H & R INC COM 093671105 245 6,085 SH DEFINED 5,106 979
BLOCK H & R INC COM 093671105 200 4,980 SH OTHER 4,800 180
BLOUNT INTL INC NEW COM 095180105 159 41,851 SH OTHER 41,851
BOEING CO COM 097023105 6,849 207,616 SH DEFINED 206,102 1,514
BOEING CO COM 097023105 299 9,053 SH OTHER 6,313 1,400 1,340
BRINKER INTL INC COM 109641100 1,953 60,573 SH DEFINED 60,573
BRISTOL MYERS SQUIBB CO COM 110122108 13,106 566,116 SH DEFINED 528,336 2,430 35,350
BRISTOL MYERS SQUIBB CO COM 110122108 2,804 121,125 SH OTHER 88,839 30,238 2,048
BROWN & BROWN INC COM 115236101 685 21,200 SH DEFINED 21,200
BUCKEYE PARTNERS LP UNITS UNIT LTD PARTN 118230101 269 7,000 SH DEFINED 6,400 600
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 2,517 96,762 SH DEFINED 95,338 1,424
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 86 3,325 SH OTHER 1,900 1,425
BURLINGTON RESOURCES INC COM 122014103 513 12,024 SH DEFINED 8,845 1,436 1,743
BURLINGTON RESOURCES INC COM 122014103 50 1,168 SH OTHER 1,168
CDW COMPUTER CTRS INC COM 125129106 2,456 56,000 SH DEFINED 56,000
CIGNA CORP COM 125509109 864 21,000 SH DEFINED 21,000
CIGNA CORP COM 125509109 90 2,196 SH OTHER 2,196
CSX CORP COM 126408103 188 6,628 SH DEFINED 6,628
CSX CORP COM 126408103 57 2,020 SH OTHER 1,620 400
CVS CORPORATION (DEL) COM 126650100 7,149 286,315 SH DEFINED 282,935 3,380
CVS CORPORATION (DEL) COM 126650100 129 5,174 SH OTHER 4,112 602 460
CABOT MICROELECTRONICS CORP COM 12709P103 4,132 87,533 SH DEFINED 86,564 969
CAMPBELL SOUP CO COM 134429109 202 8,600 SH DEFINED 8,000 600
CAMPBELL SOUP CO COM 134429109 87 3,700 SH OTHER 700 3,000
CARDINAL HEALTH INC COM 14149Y108 254 4,295 SH DEFINED 2,892 1,403
CARDINAL HEALTH INC COM 14149Y108 90 1,524 SH OTHER 595 466 463
CARLISLE COS INC COM 142339100 245 5,915 SH DEFINED 4,200 1,715
CATERPILLAR INC COM 149123101 462 10,113 SH DEFINED 9,403 710
CATERPILLAR INC COM 149123101 305 6,668 SH OTHER 3,768 2,900
CEDAR FAIR L P DEPOSITRY UNIT 150185106 365 15,450 SH DEFINED 6,000 9,450
CENTERPOINT ENERGY INC COM 15189T107 107 12,544 SH DEFINED 11,578 966
CENTERPOINT ENERGY INC COM 15189T107 64 7,573 SH OTHER 400 7,173
CENTURYTEL INC COM 156700106 7,380 251,194 SH DEFINED 16,445 234,749
CENTURYTEL INC COM 156700106 24 800 SH OTHER 800
CHEVRONTEXACO CORP COM 166764100 16,087 241,978 SH DEFINED 226,143 3,710 12,125
CHEVRONTEXACO CORP COM 166764100 3,300 49,636 SH OTHER 27,539 19,887 2,210
CHICOS FAS INC COM 168615102 2,651 140,215 SH DEFINED 140,000 215
CINERGY CORP COM 172474108 141 4,187 SH DEFINED 2,687 1,500
CINERGY CORP COM 172474108 413 12,245 SH OTHER 5,935 6,310
CIRCUIT CITY STORES GROUP COM 172737108 948 127,795 SH DEFINED 126,995 800
CIRCUIT CITY STORES GROUP COM 172737108 12 1,600 SH OTHER 1,600
CISCO SYS INC COM 17275R102 13,760 1,050,418 SH DEFINED 1,016,418 1,450 32,550
CISCO SYS INC COM 17275R102 936 71,436 SH OTHER 40,958 29,002 1,476
CITIGROUP INC COM 172967101 17,887 508,309 SH DEFINED 491,848 16,461
CITIGROUP INC COM 172967101 3,784 107,521 SH OTHER 89,180 7,138 11,203
CLEAR CHANNEL COMMUNICATIONS COM 184502102 13,113 351,645 SH DEFINED 338,965 12,680
CLEAR CHANNEL COMMUNICATIONS COM 184502102 102 2,730 SH OTHER 2,690 40
CLOROX CO COM 189054109 2,190 53,102 SH DEFINED 38,724 1,433 12,945
CLOROX CO COM 189054109 367 8,889 SH OTHER 5,494 3,230 165
COCA COLA CO COM 191216100 39,521 901,475 SH DEFINED 741,239 160,236
COCA COLA CO COM 191216100 36,700 837,140 SH OTHER 779,101 46,894 11,145
COCA COLA ENTERPRISES INC COM 191219104 3 125 SH DEFINED 125
COCA COLA ENTERPRISES INC COM 191219104 4,758 219,060 SH OTHER 219,060
COLGATE PALMOLIVE CO COM 194162103 6,434 122,713 SH DEFINED 118,775 3,938
COLGATE PALMOLIVE CO COM 194162103 14,637 279,174 SH OTHER 266,278 2,800 10,096
COLONIAL BANCGROUP INC COM 195493309 141 11,814 SH DEFINED 10,758 1,056
COLONIAL BANCGROUP INC COM 195493309 52 4,388 SH OTHER 4,388
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 70 2,050 SH DEFINED 2,050
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 286 8,425 SH OTHER 8,425
COMCAST CORP NEW CL A CL A 20030N101 1,041 44,187 SH DEFINED 18,521 25,666
COMCAST CORP NEW CL A CL A 20030N101 195 8,265 SH OTHER 3,912 2,634 1,719
COMCAST CORP NEW CL A SPL 20030N200 7,130 315,637 SH DEFINED 261,540 54,097
COMCAST CORP NEW CL A SPL 20030N200 193 8,560 SH OTHER 6,050 2,000 510
COMERICA INC COM 200340107 216 5,003 SH DEFINED 3,953 1,050
COMPASS BANCSHARES, INC. COM 20449H109 1,881 60,158 SH DEFINED 60,158
COMPASS BANCSHARES, INC. COM 20449H109 3,910 125,048 SH OTHER 109,513 15,535
CONAGRA FOODS INC COM COM 205887102 8,075 322,880 SH DEFINED 313,330 9,550
CONAGRA FOODS INC COM COM 205887102 442 17,662 SH OTHER 16,812 850
CONEXANT SYS INC COM 207142100 25 15,285 SH DEFINED 15,285
CONEXANT SYS INC COM 207142100 2 1,448 SH OTHER 1,448
CONOCOPHILLIPS COM 20825C104 7,298 150,825 SH DEFINED 146,870 3,955
CONOCOPHILLIPS COM 20825C104 364 7,531 SH OTHER 7,045 210 276
CONSOLIDATED EDISON INC COM 209115104 159 3,711 SH DEFINED 3,711
CONSOLIDATED EDISON INC COM 209115104 126 2,950 SH OTHER 2,950
COOPER CAMERON CORP COM 216640102 5,528 110,954 SH DEFINED 110,075 879
COOPER CAMERON CORP COM 216640102 21 425 SH OTHER 425
COORS ADOLPH CO CL B CL B 217016104 5,034 82,180 SH DEFINED 81,430 750
COORS ADOLPH CO CL B CL B 217016104 9 150 SH OTHER 150
CORNING INC COM 219350105 34 10,299 SH DEFINED 9,100 1,199
CORNING INC COM 219350105 12 3,775 SH OTHER 2,075 1,700
COSTCO WHSL CORP COM 22160K105 1,116 39,768 SH DEFINED 38,983 785
COSTCO WHSL CORP COM 22160K105 165 5,875 SH OTHER 400 5,475
COX COMMUNICATIONS INC NEW CL A 224044107 23,923 842,349 SH DEFINED 841,469 880
CYPRESS SEMICONDUCTOR CORP COM 232806109 686 120,000 SH DEFINED 120,000
DNP SELECT INCOME FD COM 23325P104 519 52,425 SH DEFINED 52,225 200
DNP SELECT INCOME FD COM 23325P104 186 18,780 SH OTHER 18,780
DST SYS INC DEL COM 233326107 711 20,000 SH DEFINED 20,000
DTE ENERGY CO COM 233331107 239 5,143 SH DEFINED 4,753 80 310
DTE ENERGY CO COM 233331107 34 725 SH OTHER 675 50
DANAHER CORP COM 235851102 226 3,440 SH DEFINED 3,440
DEERE & CO COM 244199105 178 3,885 SH DEFINED 3,885
DEERE & CO COM 244199105 110 2,400 SH OTHER 2,400
DEL MONTE FOODS CO COM 24522P103 166 21,551 SH DEFINED 21,150 401
DEL MONTE FOODS CO COM 24522P103 31 3,986 SH OTHER 3,586 400
DELL COMPUTER CORP COM 247025109 6,637 248,193 SH DEFINED 226,885 21,308
DELL COMPUTER CORP COM 247025109 692 25,871 SH OTHER 22,431 2,680 760
DELPHI AUTOMOTIVE SYS CORP COM 247126105 124 15,452 SH DEFINED 14,069 1,383
DELPHI AUTOMOTIVE SYS CORP COM 247126105 56 7,005 SH OTHER 5,758 1,247
DELTA AIR LINES INC COM 247361108 107 8,865 SH DEFINED 8,765 100
DELTA AIR LINES INC COM 247361108 33 2,688 SH OTHER 2,688
DELTIC TIMBER CORP COM 247850100 1,790 67,028 SH DEFINED 67,028
DEUTSCHE TELEKOM AG SPONSORED ADR 251566105 156 12,278 SH DEFINED 11,088 1,190
DIAL CORP NEW COM COM 25247D101 794 38,991 SH DEFINED 38,348 543 100
DIAL CORP NEW COM COM 25247D101 133 6,511 SH OTHER 4,776 1,735
DIEBOLD INC COM 253651103 286 6,945 SH DEFINED 6,369 576
WALT DISNEY COMPANY COM DISNEY 254687106 2,697 165,359 SH DEFINED 99,494 1,060 64,805
WALT DISNEY COMPANY COM DISNEY 254687106 858 52,629 SH OTHER 17,407 22,492 12,730
DOLLAR TREE STORES INC COM 256747106 2,953 120,203 SH DEFINED 120,113 90
DOMINION RES INC VA NEW COM 25746U109 365 6,646 SH DEFINED 5,816 830
DOMINION RES INC VA NEW COM 25746U109 32 580 SH OTHER 300 100 180
DOVER CORP COM 260003108 892 30,604 SH DEFINED 19,008 11,596
DOVER CORP COM 260003108 116 3,965 SH OTHER 3,041 704 220
DOW CHEM CO COM COM 260543103 778 26,208 SH DEFINED 25,708 500
DOW CHEM CO COM COM 260543103 329 11,062 SH OTHER 3,458 4,750 2,854
DREYFUS STRATEGIC MUNS INC COM 261932107 485 50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 33 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 416 51,548 SH DEFINED 51,548
DU PONT E I DE NEMOURS & CO COM 263534109 17,540 413,684 SH DEFINED 396,024 550 17,110
DU PONT E I DE NEMOURS & CO COM 263534109 2,937 69,267 SH OTHER 51,556 7,441 10,270
DUKE ENERGY CORP COM 264399106 3,617 185,084 SH DEFINED 159,581 25,503
DUKE ENERGY CORP COM 264399106 290 14,844 SH OTHER 12,694 1,890 260
DURECT CORP COM 266605104 102 50,281 SH OTHER 50,281
E M C CORP MASS COM 268648102 3,223 524,861 SH DEFINED 516,741 350 7,770
E M C CORP MASS COM 268648102 212 34,489 SH OTHER 21,095 13,394
E TRADE GROUP INC COM 269246104 3,014 620,250 SH DEFINED 620,250
E TRADE GROUP INC COM 269246104 3 550 SH OTHER 300 250
EASTMAN CHEM CO COM 277432100 411 11,186 SH DEFINED 10,441 745
EASTMAN CHEM CO COM 277432100 129 3,515 SH OTHER 3,003 512
EASTMAN KODAK CO COM 277461109 209 5,973 SH DEFINED 4,763 1,210
EASTMAN KODAK CO COM 277461109 49 1,385 SH OTHER 860 300 225
EATON CORP COM 278058102 307 3,932 SH DEFINED 3,760 172
EATON VANCE MUNICIPAL INCOME FD SH BEN INT 27826U108 475 33,332 SH DEFINED 33,332
EL PASO CORP COM 28336L109 50 7,188 SH DEFINED 5,933 1,255
EL PASO CORP COM 28336L109 57 8,207 SH OTHER 5,229 2,688 290
ELECTRONIC ARTS COM 285512109 234 4,700 SH OTHER 4,700
ELECTRONIC DATA SYS CORP NEW COM 285661104 9,136 495,723 SH DEFINED 465,953 4,390 25,380
ELECTRONIC DATA SYS CORP NEW COM 285661104 530 28,738 SH OTHER 13,758 14,580 400
EMERSON ELECTRIC CO COM 291011104 1,233 24,255 SH DEFINED 21,517 2,738
EMERSON ELECTRIC CO COM 291011104 446 8,780 SH OTHER 6,610 2,000 170
ENERGEN CORP COM 29265N108 213 7,315 SH DEFINED 7,165 150
ENERGEN CORP COM 29265N108 211 7,250 SH OTHER 5,600 1,650
ENERGYSOUTH INC COM 292970100 1,578 55,972 SH DEFINED 54,798 1,174
ENERGYSOUTH INC COM 292970100 56 2,000 SH OTHER 2,000
THE ENSTAR GROUP INC COM 29358R107 712 23,902 SH DEFINED 23,902
ENTERGY CORP COM 29364G103 245 5,375 SH DEFINED 3,847 1,528
ENTERGY CORP COM 29364G103 81 1,775 SH OTHER 160 1,195 420
EQUITABLE RES INC COM 294549100 1,130 32,250 SH DEFINED 32,250
EQUITABLE RES INC COM 294549100 71 2,024 SH OTHER 2,024
EXELON CORP COM 30161N101 520 9,857 SH DEFINED 8,528 1,329
EXELON CORP COM 30161N101 107 2,019 SH OTHER 1,107 757 155
EXPRESS SCRIPTS INC COM 302182100 3,567 74,249 SH DEFINED 74,000 249
EXXON MOBIL CORP COM 30231G102 52,164 1,492,974 SH DEFINED 1,402,889 5,078 85,007
EXXON MOBIL CORP COM 30231G102 14,264 408,234 SH OTHER 327,666 68,565 12,003
FPL GROUP INC COM 302571104 2,624 43,635 SH DEFINED 42,687 948
FPL GROUP INC COM 302571104 204 3,400 SH OTHER 2,300 700 400
FAIRCHILD SEMICONDUCTOR INTL CL A 303726103 857 80,000 SH DEFINED 80,000
FAMILY DOLLAR STORES INC COM 307000109 8,364 267,977 SH DEFINED 261,987 4,040 1,950
FAMILY DOLLAR STORES INC COM 307000109 76 2,420 SH OTHER 1,790 630
FREDDIE MAC COM 313400301 1,544 26,155 SH DEFINED 24,083 2,072
FREDDIE MAC COM 313400301 213 3,615 SH OTHER 3,300 315
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 8,374 130,166 SH DEFINED 126,355 3,811
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 936 14,552 SH OTHER 9,150 4,000 1,402
FEDEX CORP COM 31428X106 10,736 198,012 SH DEFINED 156,285 41,727
FEDEX CORP COM 31428X106 252 4,654 SH OTHER 4,454 200
FIRST DATA CORP COM 319963104 3,410 96,306 SH DEFINED 80,350 15,956
FIRST DATA CORP COM 319963104 206 5,820 SH OTHER 4,174 650 996
FIRST HEALTH GROUP CORP COM 320960107 1,949 80,050 SH DEFINED 80,050
FIRST TENNESSEE NATIONAL CORP COM 337162101 1,064 29,595 SH DEFINED 17,603 11,992
FIRST TENNESSEE NATIONAL CORP COM 337162101 123 3,425 SH OTHER 1,400 1,800 225
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 908 24,400 SH OTHER 24,400
FIRSTENERGY CORP COM 337932107 266 8,056 SH DEFINED 8,056
FIRSTENERGY CORP COM 337932107 6 190 SH OTHER 190
FLEETBOSTON FINL CORP COM 339030108 493 20,278 SH DEFINED 18,643 1,635
FLEETBOSTON FINL CORP COM 339030108 60 2,467 SH OTHER 2,327 140
FLEMING COMPANIES INC COM 339130106 107 16,350 SH DEFINED 16,350
FLORIDA ROCK INDS INC COM 341140101 385 10,108 SH DEFINED 6,740 2,374 994
FLORIDA ROCK INDS INC COM 341140101 40 1,057 SH OTHER 1,057
FOOT LOCKER INC COM 344849104 134 12,800 SH DEFINED 12,800
FORD MTR CO DEL COM PAR $0.01 345370860 192 20,653 SH DEFINED 17,240 3,413
FORD MTR CO DEL COM PAR $0.01 345370860 101 10,868 SH OTHER 5,270 5,598
FOREST LABS INC COM 345838106 9,203 93,694 SH DEFINED 93,255 439
FOREST LABS INC COM 345838106 33 339 SH OTHER 200 139
FORTUNE BRANDS INC COM 349631101 740 15,920 SH DEFINED 14,420 1,500
FORTUNE BRANDS INC COM 349631101 119 2,550 SH OTHER 2,550
FRANKLIN RES INC COM 354613101 3,734 109,553 SH DEFINED 108,353 1,200
FRONTIER AIRLINES COM 359065109 3,380 500,000 SH DEFINED 500,000
GALLAGHER ARTHUR J & CO COM 363576109 11,864 403,800 SH DEFINED 401,700 2,100
GALLAGHER ARTHUR J & CO COM 363576109 12 400 SH OTHER 400
GALLAHER GROUP PLC SPONSORED ADR 363595109 520 13,272 SH DEFINED 13,272
GALLAHER GROUP PLC SPONSORED ADR 363595109 47 1,200 SH OTHER 1,200
GANNETT INC COM 364730101 1,407 19,603 SH DEFINED 15,603 600 3,400
GANNETT INC COM 364730101 1,273 17,728 SH OTHER 11,532 1,696 4,500
GAP INC COM 364760108 8,242 531,035 SH DEFINED 528,885 2,150
GAP INC COM 364760108 3 200 SH OTHER 200
GENERAL DYNAMICS CORP COM 369550108 8,857 111,595 SH DEFINED 108,232 660 2,703
GENERAL DYNAMICS CORP COM 369550108 227 2,858 SH OTHER 2,160 360 338
GENERAL ELECTRIC CO COM 369604103 41,643 1,710,207 SH DEFINED 1,642,284 2,350 65,573
GENERAL ELECTRIC CO COM 369604103 13,809 567,117 SH OTHER 488,969 67,384 10,764
GENERAL MILLS INC COM 370334104 2,176 46,356 SH DEFINED 44,105 2,251
GENERAL MILLS INC COM 370334104 596 12,689 SH OTHER 10,299 2,190 200
GENERAL MOTORS CORP COM 370442105 1,980 53,723 SH DEFINED 30,247 150 23,326
GENERAL MOTORS CORP COM 370442105 474 12,854 SH OTHER 11,259 1,595
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 1,067 99,677 SH DEFINED 3,898 95,779
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 17 1,608 SH OTHER 1,608
GENUINE PARTS CO COM 372460105 531 17,241 SH DEFINED 12,741 4,500
GENUINE PARTS CO COM 372460105 536 17,416 SH OTHER 16,816 600
GEORGIA PAC CORP (GA PAC GR) COM 373298108 1,623 100,463 SH DEFINED 97,811 2,072 580
GEORGIA PAC CORP (GA PAC GR) COM 373298108 6 400 SH OTHER 400
GILEAD SCIENCES INC COM 375558103 4,760 140,000 SH DEFINED 140,000
GILLETTE CO COM 375766102 9,753 321,248 SH DEFINED 298,509 22,739
GILLETTE CO COM 375766102 1,865 61,445 SH OTHER 39,865 8,280 13,300
GLAXO SMITHKLINE SPONSORED ADR 37733W105 307 8,206 SH DEFINED 7,131 1,075
GLAXO SMITHKLINE SPONSORED ADR 37733W105 68 1,805 SH OTHER 1,650 155
GOODRICH CORP COM 382388106 642 35,025 SH DEFINED 32,375 2,650
GOODRICH CORP COM 382388106 25 1,355 SH OTHER 1,000 355
GOODYEAR TIRE & RUBBER CO COM 382550101 385 56,514 SH DEFINED 55,919 595
GOODYEAR TIRE & RUBBER CO COM 382550101 4 650 SH OTHER 650
GRAY TELEVISION INC CL A 389375205 500 42,192 SH DEFINED 42,192
HCA-INC COM 404119109 1,505 36,259 SH DEFINED 34,551 1,708
HCA-INC COM 404119109 17 405 SH OTHER 200 205
HCB BANCSHARES INC COM 40413N106 3,156 196,625 SH DEFINED 196,625
HARLEY DAVIDSON INC COM 412822108 259 5,605 SH DEFINED 4,860 745
HARLEY DAVIDSON INC COM 412822108 13 276 SH OTHER 276
HARTFORD FINL SVCS GROUP INC COM 416515104 300 6,604 SH DEFINED 5,794 810
HARTFORD FINL SVCS GROUP INC COM 416515104 19 420 SH OTHER 80 250 90
HEALTHSOUTH CORP COM 421924101 136 32,316 SH DEFINED 31,316 1,000
HEALTHSOUTH CORP COM 421924101 2 500 SH OTHER 500
HEINZ H J CO COM 423074103 1,587 48,292 SH DEFINED 47,392 900
HEINZ H J CO COM 423074103 294 8,945 SH OTHER 8,045 900
HERSHEY FOODS CORP COM 427866108 316 4,685 SH DEFINED 4,585 100
HERSHEY FOODS CORP COM 427866108 384 5,700 SH OTHER 4,600 1,100
HEWLETT PACKARD CO COM 428236103 2,985 171,949 SH DEFINED 163,709 8,240
HEWLETT PACKARD CO COM 428236103 804 46,315 SH OTHER 40,035 3,275 3,005
HIBERNIA CORP CL A 428656102 601 31,195 SH DEFINED 28,138 3,057
HILTON HOTELS COM 432848109 1,201 94,489 SH DEFINED 6,415 88,074
HOME DEPOT INC COM 437076102 11,492 478,426 SH DEFINED 444,845 33,581
HOME DEPOT INC COM 437076102 727 30,251 SH OTHER 23,489 3,540 3,222
HONEYWELL INTERNATIONAL INC COM 438516106 564 23,483 SH DEFINED 20,243 3,240
HONEYWELL INTERNATIONAL INC COM 438516106 265 11,041 SH OTHER 1,875 9,166
HOUSEHOLD INTERNATIONAL CORP COM 441815107 132 4,743 SH DEFINED 4,743
HOUSEHOLD INTERNATIONAL CORP COM 441815107 193 6,927 SH OTHER 6,927
HOUSTON EXPL CO COM 442120101 1,224 40,000 SH DEFINED 40,000
IDEC PHARMACEUTICALS CORP COM 449370105 1,666 50,220 SH DEFINED 50,220
ILLINOIS TOOL WKS INC COM 452308109 311 4,788 SH DEFINED 4,443 345
INTEL CORP COM 458140100 23,531 1,511,327 SH DEFINED 1,448,238 1,870 61,219
INTEL CORP COM 458140100 3,255 209,063 SH OTHER 164,668 38,621 5,774
INTNL BUSINESS MACHINES CORP COM 459200101 18,975 244,845 SH DEFINED 217,922 26,923
INTNL BUSINESS MACHINES CORP COM 459200101 3,741 48,271 SH OTHER 37,003 10,093 1,175
INTL FLAVORS & FRAGRANCES INC COM 459506101 102 2,908 SH DEFINED 2,908
INTL FLAVORS & FRAGRANCES INC COM 459506101 123 3,491 SH OTHER 2,971 520
INTERNATIONAL GAME TECHNOLOGY COM 459902102 14,821 195,218 SH DEFINED 194,618 600
INTERNATIONAL PAPER CO COM 460146103 5,464 156,246 SH DEFINED 154,133 300 1,813
INTERNATIONAL PAPER CO COM 460146103 1,071 30,618 SH OTHER 29,162 1,356 100
INVESTMENT TECHNOLOGY GRP NE COM 46145F105 1,118 50,000 SH DEFINED 50,000
ISHARES TR S&P SMLCP VALU 464287879 160 2,200 SH DEFINED 2,200
ISHARES TR S&P SMLCP VALU 464287879 109 1,500 SH OTHER 1,500
JP MORGAN CHASE & CO COM 46625H100 2,100 87,490 SH DEFINED 84,150 3,340
JP MORGAN CHASE & CO COM 46625H100 707 29,462 SH OTHER 23,602 5,860
JEFFERSON PILOT CORP COM 475070108 4,939 129,603 SH DEFINED 109,835 19,768
JEFFERSON PILOT CORP COM 475070108 3,566 93,575 SH OTHER 53,012 6,713 33,850
JOHNSON & JOHNSON COM 478160104 31,040 577,924 SH DEFINED 555,785 22,139
JOHNSON & JOHNSON COM 478160104 4,708 87,650 SH OTHER 59,790 17,105 10,755
KLA - TENCOR CORPORATION COM 482480100 6,817 192,726 SH DEFINED 191,812 914
KLA - TENCOR CORPORATION COM 482480100 141 4,000 SH OTHER 4,000
KELLOGG CO COM 487836108 572 16,700 SH DEFINED 15,500 1,200
KELLOGG CO COM 487836108 439 12,800 SH OTHER 10,400 2,400
KEYCORP NEW COM 493267108 5,249 208,791 SH DEFINED 203,296 5,495
KEYCORP NEW COM 493267108 141 5,600 SH OTHER 4,150 1,150 300
KIMBERLY CLARK CORP COM 494368103 5,537 116,647 SH DEFINED 110,128 6,519
KIMBERLY CLARK CORP COM 494368103 2,126 44,796 SH OTHER 38,655 5,856 285
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 351 10,020 SH DEFINED 9,020 1,000
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 18 525 SH OTHER 525
KNIGHT RIDDER INC COM 499040103 2,028 32,070 SH DEFINED 4,314 27,756
KOHLS CORP COM 500255104 179 3,196 SH DEFINED 2,155 1,041
KOHLS CORP COM 500255104 226 4,040 SH OTHER 250 3,790
KRAFT FOODS INC CL A 50075N104 7,746 198,970 SH DEFINED 194,355 4,615
KRAFT FOODS INC CL A 50075N104 229 5,870 SH OTHER 5,115 295 460
L-3 COMMUNICATIONS HLDGS INC COM 502424104 949 21,124 SH DEFINED 20,529 325 270
L-3 COMMUNICATIONS HLDGS INC COM 502424104 28 615 SH OTHER 600 15
LAM RESEARCH CORP COM 512807108 4,331 401,000 SH DEFINED 401,000
LEGGETT & PLATT INC COM 524660107 1,205 53,677 SH DEFINED 53,677
LEGG MASON INC COM 524901105 5,825 120,000 SH DEFINED 120,000
LEHMAN BROS HLDGS INC COM 524908100 427 8,013 SH DEFINED 7,613 400
LEHMAN BROS HLDGS INC COM 524908100 77 1,454 SH OTHER 1,240 214
LILLY ELI & CO COM 532457108 8,806 138,679 SH DEFINED 134,596 4,083
LILLY ELI & CO COM 532457108 1,671 26,312 SH OTHER 19,312 2,200 4,800
LIMITED INC COM 532716107 158 11,343 SH DEFINED 10,143 1,200
LIMITED INC COM 532716107 18 1,300 SH OTHER 1,300
LINCARE HLDGS INC COM 532791100 3,162 100,000 SH DEFINED 100,000
LINCOLN NATIONAL CORP IND COM 534187109 910 28,828 SH DEFINED 26,160 2,668
LINCOLN NATIONAL CORP IND COM 534187109 67 2,134 SH OTHER 1,619 250 265
LIZ CLAIBORNE INC COM 539320101 1,029 34,708 SH DEFINED 31,938 2,770
LIZ CLAIBORNE INC COM 539320101 56 1,880 SH OTHER 1,400 480
LOCKHEED MARTIN CORP COM 539830109 215 3,726 SH DEFINED 3,304 422
LOCKHEED MARTIN CORP COM 539830109 252 4,366 SH OTHER 3,617 749
LOEWS CORP COM 540424108 34 755 SH DEFINED 545 210
LOEWS CORP COM 540424108 800 18,000 SH OTHER 18,000
LONE STAR TECHNOLOGIES INC COM 542312103 1,936 130,000 SH DEFINED 130,000
LOUISIANA PACIFIC CORP COM 546347105 772 95,742 SH DEFINED 95,189 278 275
LOWES COS INC COM 548661107 9,273 247,269 SH DEFINED 242,938 4,331
LOWES COS INC COM 548661107 349 9,311 SH OTHER 7,990 1,321
LUCENT TECHNOLOGIES INC COM 549463107 46 36,473 SH DEFINED 25,508 10,965
LUCENT TECHNOLOGIES INC COM 549463107 20 15,991 SH OTHER 9,060 6,731 200
LUFKIN INDUSTRIES INCORPORATED COM 549764108 656 27,984 SH DEFINED 27,984
LUFKIN INDUSTRIES INCORPORATED COM 549764108 862 36,765 SH OTHER 36,765
MBIA INC COM 55262C100 236 5,390 SH DEFINED 5,030 360
MBIA INC COM 55262C100 5 120 SH OTHER 120
MBNA CORP COM 55262L100 606 31,846 SH DEFINED 31,245 601
MBNA CORP COM 55262L100 193 10,126 SH OTHER 9,530 300 296
MANULIFE FINL CORP ADR COM 56501R106 451 20,785 SH DEFINED 4,615 16,170
MARATHON OIL CORP COM 565849106 1,663 78,128 SH DEFINED 75,858 2,270
MARATHON OIL CORP COM 565849106 89 4,187 SH OTHER 2,540 915 732
MARSH & MCLENNAN COS INC COM 571748102 3,305 71,529 SH DEFINED 68,709 2,820
MARSH & MCLENNAN COS INC COM 571748102 473 10,240 SH OTHER 2,300 900 7,040
MARRIOTT INTL INC NEW CL A 571903202 2,379 72,389 SH DEFINED 32,916 39,473
MARRIOTT INTL INC NEW CL A 571903202 319 9,700 SH OTHER 1,100 1,100 7,500
MASCO CORP COM 574599106 222 10,546 SH DEFINED 9,736 810
MASCO CORP COM 574599106 412 19,590 SH OTHER 4,300 15,290
MAYTAG CORP COM 578592107 18,198 638,522 SH DEFINED 638,522
MAYTAG CORP COM 578592107 57 2,000 SH OTHER 2,000
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 834 35,928 SH DEFINED 35,928
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 53 2,296 SH OTHER 1,886 410
MCDONALDS CORP COM 580135101 3,420 212,655 SH DEFINED 208,748 3,907
MCDONALDS CORP COM 580135101 570 35,435 SH OTHER 30,715 2,600 2,120
MCGRAW-HILL COMPANIES INC NEW COM 580645109 706 11,684 SH DEFINED 11,284 400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 82 1,360 SH OTHER 1,235 125
MCKESSON CORPORATION COM 58155Q103 140 5,193 SH DEFINED 5,118 75
MCKESSON CORPORATION COM 58155Q103 93 3,458 SH OTHER 3,383 75
MEADWESTVACO CORP COM 583334107 294 11,884 SH DEFINED 9,303 2,581
MEADWESTVACO CORP COM 583334107 1,964 79,488 SH OTHER 26,594 3,240 49,654
MEDIMMUNE INC COM 584699102 2,953 108,684 SH DEFINED 107,544 1,140
MEDIMMUNE INC COM 584699102 132 4,870 SH OTHER 1,150 3,720
MEDTRONIC INC COM 585055106 8,012 175,691 SH DEFINED 167,611 8,080
MEDTRONIC INC COM 585055106 1,359 29,792 SH OTHER 9,200 7,800 12,792
MELLON FINL CORP COM 58551A108 2,474 94,748 SH DEFINED 94,648 100
MELLON FINL CORP COM 58551A108 31 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 24,742 437,059 SH DEFINED 414,659 280 22,120
MERCK & CO INC COM 589331107 7,702 136,047 SH OTHER 96,770 15,737 23,540
MERIDIAN GOLD INC COM 589975101 353 20,000 SH DEFINED 20,000
MERRILL LYNCH & CO INC COM 590188108 5,695 150,060 SH DEFINED 149,355 705
MERRILL LYNCH & CO INC COM 590188108 2 50 SH OTHER 50
MICROSOFT CORP COM 594918104 27,797 537,670 SH DEFINED 506,340 3,022 28,308
MICROSOFT CORP COM 594918104 3,150 60,924 SH OTHER 42,793 9,048 9,083
MICROCHIP TECHNOLOGY INC COM 595017104 3,428 140,221 SH DEFINED 140,221
MILLENNIUM PHARMACTCLS INC COM 599902103 1,748 220,176 SH DEFINED 220,176
MIRANT CORP COM 604675108 88 47,223 SH DEFINED 46,413 810
MIRANT CORP COM 604675108 25 13,343 SH OTHER 12,555 788
MITSUBISHI TOKYO FINL GROUP SPONSORED ADR 606816106 70 13,010 SH DEFINED 11,210 1,800
MOODYS CORP COM 615369105 286 6,935 SH DEFINED 6,935
MOODYS CORP COM 615369105 33 800 SH OTHER 800
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 13,309 333,382 SH DEFINED 316,102 17,280
MORGAN STANLEY DEAN WITTER & CO COM NEW 617446448 454 11,365 SH OTHER 10,655 480 230
MOTOROLA INC COM 620076109 1,305 150,904 SH DEFINED 116,539 34,365
MOTOROLA INC COM 620076109 343 39,620 SH OTHER 31,500 6,650 1,470
MURPHY OIL CORP COM 626717102 1,624 37,899 SH DEFINED 37,899
MYLAN LABORATORIES INC COM 628530107 4,284 122,765 SH DEFINED 121,375 1,390
MYLAN LABORATORIES INC COM 628530107 8 215 SH OTHER 215
NASDAQ 100 TR UNIT SER 1 631100104 26,033 1,068,248 SH DEFINED 1,058,344 7,730 2,174
NASDAQ 100 TR UNIT SER 1 631100104 131 5,390 SH OTHER 2,340 2,050 1,000
NATIONAL CITY CORP COM 635405103 222 8,116 SH DEFINED 3,816 4,300
NATIONAL CITY CORP COM 635405103 57 2,090 SH OTHER 2,000 90
NATIONAL COMM FINL CORP COM 63545P104 2,071 86,820 SH DEFINED 85,935 885
NATIONAL COMM FINL CORP COM 63545P104 120 5,043 SH OTHER 4,360 168 515
NETWORK APPLIANCE INC DELEWARE COM 64120L104 197 19,707 SH DEFINED 14,235 5,472
NETWORK APPLIANCE INC DELEWARE COM 64120L104 7 730 SH OTHER 730
NEW YORK TIMES CO CL A CL A 650111107 293 6,410 SH DEFINED 6,222 188
NEW YORK TIMES CO CL A CL A 650111107 14 300 SH OTHER 300
NEWELL RUBBERMAID INC COM 651229106 35 1,158 SH DEFINED 968 190
NEWELL RUBBERMAID INC COM 651229106 279 9,200 SH OTHER 800 8,400
NEWMONT MINING CORP (NEW) COM 651639106 8,376 288,526 SH DEFINED 277,536 4,740 6,250
NEWMONT MINING CORP (NEW) COM 651639106 382 13,158 SH OTHER 6,658 6,500
NOKIA CORP SPONSORED ADR 654902204 1,090 70,291 SH DEFINED 64,900 5,391
NOKIA CORP SPONSORED ADR 654902204 482 31,068 SH OTHER 2,700 200 28,168
NORFOLK SOUTHERN CORPORATION COM 655844108 410 20,496 SH DEFINED 19,371 1,125
NORFOLK SOUTHERN CORPORATION COM 655844108 434 21,714 SH OTHER 15,459 6,255
NORTEL NETWORKS CORP NEW ADR COM 656568102 114 70,622 SH DEFINED 60,678 9,944
NORTEL NETWORKS CORP NEW ADR COM 656568102 3 2,000 SH OTHER 2,000
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 252 6,650 SH DEFINED 5,450 1,200
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 57 1,500 SH OTHER 1,500
NORTHROP GRUMMAN CORP COM 666807102 9,745 100,464 SH DEFINED 95,899 4,565
NORTHROP GRUMMAN CORP COM 666807102 363 3,739 SH OTHER 1,229 2,510
NOVELLUS SYS INC COM 670008101 5,183 184,577 SH DEFINED 184,077 500
NOVELLUS SYS INC COM 670008101 20 700 SH OTHER 700
NUCOR CORP COM 670346105 4,733 114,600 SH DEFINED 108,800 5,800
NUCOR CORP COM 670346105 66 1,600 SH OTHER 1,600
NVIDIA CORP COM 67066G104 3,619 314,385 SH DEFINED 314,085 300
NVIDIA CORP COM 67066G104 92 8,000 SH OTHER 8,000
NUVEEN DIVIDEND ADV MUNI 3 COM SH BEN INT 67070X101 273 20,000 SH DEFINED 20,000
NUVEEN INSD DIVID ADVANTAGE COM 67071L106 149 10,000 SH DEFINED 10,000
NUVEEN MUN VALUE FD INC COM 670928100 243 26,071 SH DEFINED 26,071
NUVEEN MUN VALUE FD INC COM 670928100 12 1,333 SH OTHER 1,333
NUVEEN TEX QUAL INCM MUN FD COM 670983105 727 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 681 23,926 SH DEFINED 22,291 1,635
OCCIDENTAL PETE CORP COM 674599105 7 240 SH OTHER 240
OFFICE DEPOT INC COM 676220106 118 7,964 SH DEFINED 4,190 3,774
OFFICE DEPOT INC COM 676220106 31 2,100 SH OTHER 1,350 750
OLD REPUBLIC INTL CORP COM 680223104 283 10,104 SH DEFINED 8,520 1,584
OLD REPUBLIC INTL CORP COM 680223104 8,972 320,446 SH OTHER 72,186 248,000 260
OMNICOM GROUP COM 681919106 8 130 SH DEFINED 85 45
OMNICOM GROUP COM 681919106 294 4,550 SH OTHER 4,500 50
ORACLE CORPORATION COM 68389X105 5,756 532,991 SH DEFINED 515,466 900 16,625
ORACLE CORPORATION COM 68389X105 222 20,540 SH OTHER 16,950 3,190 400
OUTBACK STEAKHOUSE INC COM 689899102 3,563 103,450 SH DEFINED 103,450
PNC FINANCIAL SERVICES GROUP COM 693475105 531 12,670 SH DEFINED 12,630 40
PNC FINANCIAL SERVICES GROUP COM 693475105 59 1,410 SH OTHER 900 510
PPG INDUSTRIES INC COM 693506107 56 1,126 SH DEFINED 1,126
PPG INDUSTRIES INC COM 693506107 191 3,800 SH OTHER 3,400 400
PACCAR INC COM 693718108 154 3,330 SH DEFINED 3,330
PACCAR INC COM 693718108 56 1,206 SH OTHER 1,206
PARKER HANNIFIN CORP COM 701094104 299 6,492 SH DEFINED 6,112 380
PARKER HANNIFIN CORP COM 701094104 6 120 SH OTHER 120
PATTERSON DENTAL CO COM 703412106 3,066 70,098 SH DEFINED 70,000 98
PENNEY J C INC COM 708160106 207 9,013 SH DEFINED 9,013
PENNEY J C INC COM 708160106 16 700 SH OTHER 700
PEOPLES BANCTRUST INC COM 709796106 5,250 401,100 SH DEFINED 401,100
PEPSICO INC COM 713448108 23,992 568,253 SH DEFINED 548,649 4,025 15,579
PEPSICO INC COM 713448108 2,884 68,299 SH OTHER 42,632 17,445 8,222
PFIZER INC COM 717081103 32,424 1,060,665 SH DEFINED 1,004,353 2,600 53,712
PFIZER INC COM 717081103 4,914 160,734 SH OTHER 101,338 38,537 20,859
PHARMACIA CORP COM 71713U102 2,668 63,828 SH DEFINED 60,908 310 2,610
PHARMACIA CORP COM 71713U102 1,273 30,443 SH OTHER 19,922 2,946 7,575
PHILIP MORRIS COS INC COM 718154107 17,430 430,064 SH DEFINED 415,009 1,490 13,565
PHILIP MORRIS COS INC COM 718154107 2,682 66,168 SH OTHER 51,311 14,005 852
PIER 1 IMPORTS INC COM 720279108 3,031 160,136 SH DEFINED 160,000 136
PIMCO MUN INCOME FD II COM 72200W106 286 20,000 SH DEFINED 20,000
PIMCO MUN INCOME FD III COM 72201A103 277 19,500 SH DEFINED 19,500
PIONEER NATURAL RESOURCES CO COM 723787107 1,096 43,394 SH DEFINED 43,394
PITNEY BOWES INC COM 724479100 1,117 34,211 SH DEFINED 31,415 2,796
PITNEY BOWES INC COM 724479100 363 11,100 SH OTHER 11,100
PLUM CREEK TIMBER CO INC COM 729251108 2,305 97,679 SH DEFINED 91,329 6,350
PLUM CREEK TIMBER CO INC COM 729251108 158 6,684 SH OTHER 5,634 1,050
PRAXAIR INC COM 74005P104 182 3,153 SH DEFINED 2,363 790
PRAXAIR INC COM 74005P104 118 2,040 SH OTHER 300 1,740
PROASSURANCE CORP COM 74267C106 388 18,499 SH DEFINED 15,647 2,852
PROASSURANCE CORP COM 74267C106 34 1,633 SH OTHER 1,633
PROCTER & GAMBLE CO COM 742718109 19,824 230,677 SH DEFINED 225,484 560 4,633
PROCTER & GAMBLE CO COM 742718109 7,441 86,586 SH OTHER 58,101 12,018 16,467
PROGRESS ENERGY INC COM 743263105 748 17,250 SH DEFINED 16,977 273
PROGRESS ENERGY INC COM 743263105 127 2,922 SH OTHER 827 2,095
PROTECTIVE LIFE CORP COM 743674103 1,320 47,965 SH DEFINED 47,965
PROTECTIVE LIFE CORP COM 743674103 5,291 192,257 SH OTHER 190,965 1,292
PROVIDIAN FINL CORP COM 74406A102 193 29,680 SH OTHER 15,880 13,800
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 191 5,952 SH DEFINED 4,502 1,450
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 114 3,544 SH OTHER 94 3,450
PUTNAM INVT GRADE MUN TR COM 746805100 335 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 2,445 330,884 SH DEFINED 330,884
QUALCOMM INC COM 747525103 573 15,744 SH DEFINED 12,882 2,862
QUALCOMM INC COM 747525103 885 24,313 SH OTHER 4,890 5,050 14,373
QUEST DIAGNOSTICS INC COM 74834L100 199 3,489 SH DEFINED 2,540 949
QUEST DIAGNOSTICS INC COM 74834L100 7 115 SH OTHER 115
QUESTAR CORP COM 748356102 338 12,150 SH DEFINED 12,050 100
QWEST COMM INTL INC COM 749121109 45 9,099 SH DEFINED 8,211 888
QWEST COMM INTL INC COM 749121109 8 1,655 SH OTHER 655 1,000
RF MICRO DEVICES INC COM 749941100 293 40,000 SH DEFINED 40,000
RAYTHEON CO (NEW) COM NEW 755111507 10,774 350,383 SH DEFINED 328,519 400 21,464
RAYTHEON CO (NEW) COM NEW 755111507 630 20,475 SH OTHER 14,462 5,188 825
REGIONS FINANCIAL CORP COM 758940100 88,538 2,654,020 SH DEFINED 2,289,038 9,995 354,987
REGIONS FINANCIAL CORP COM 758940100 51,078 1,531,130 SH OTHER 1,367,675 74,324 89,131
RELIANT RES INC COM 75952B105 32 9,882 SH DEFINED 9,122 760
RELIANT RES INC COM 75952B105 16 5,022 SH OTHER 315 4,707
ROCKWELL INTL CORP NEW COM 773903109 313 15,110 SH DEFINED 15,110
ROCKWELL INTL CORP NEW COM 773903109 31 1,494 SH OTHER 266 1,228
ROCKWELL COLLINS INC COM 774341101 361 15,510 SH DEFINED 15,510
ROCKWELL COLLINS INC COM 774341101 35 1,494 SH OTHER 266 1,228
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 2,667 60,588 SH DEFINED 60,088 300 200
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 528 11,994 SH OTHER 9,724 2,270
RUBY TUESDAY INC COM 781182100 5,289 305,905 SH DEFINED 305,081 824
RUBY TUESDAY INC COM 781182100 147 8,528 SH OTHER 5,528 3,000
SBC COMMUNICATIONS INC NEW COM 78387G103 4,400 162,308 SH DEFINED 145,660 450 16,198
SBC COMMUNICATIONS INC NEW COM 78387G103 1,384 51,061 SH OTHER 17,973 20,197 12,891
SPDR TR UNIT SER 1 78462F103 32,733 371,001 SH DEFINED 357,771 9,680 3,550
SPDR TR UNIT SER 1 78462F103 1,818 20,600 SH OTHER 5,890 14,710
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 284 12,010 SH DEFINED 12,010
SAFEWAY INC COM NEW 786514208 229 9,819 SH DEFINED 8,529 1,290
SAFEWAY INC COM NEW 786514208 11 470 SH OTHER 470
ST PAUL COS INC COM 792860108 256 7,521 SH DEFINED 7,521
ST PAUL COS INC COM 792860108 155 4,548 SH OTHER 4,548
SAKS INC COM 79377W108 264 22,446 SH DEFINED 22,446
SAKS INC COM 79377W108 2 132 SH OTHER 132
SANMINA CORP COM 800907107 25 5,478 SH DEFINED 5,478
SANMINA CORP COM 800907107 41 9,196 SH OTHER 8,652 544
SARA LEE CORP COM 803111103 629 27,925 SH DEFINED 26,725 1,200
SARA LEE CORP COM 803111103 390 17,309 SH OTHER 12,139 5,170
SCANA CORP NEW COM 80589M102 784 25,327 SH DEFINED 24,327 1,000
SCANA CORP NEW COM 80589M102 217 6,997 SH OTHER 6,897 100
SCHERING-PLOUGH CORP COM 806605101 1,898 85,484 SH DEFINED 65,029 20,455
SCHERING-PLOUGH CORP COM 806605101 545 24,570 SH OTHER 12,600 11,760 210
SCHLUMBERGER LTD ADR COM 806857108 3,752 89,134 SH DEFINED 76,434 12,700
SCHLUMBERGER LTD ADR COM 806857108 1,073 25,501 SH OTHER 12,851 2,450 10,200
SCHWAB CHARLES CORP NEW COM 808513105 5,805 535,020 SH DEFINED 531,693 3,327
SCHWAB CHARLES CORP NEW COM 808513105 5 421 SH OTHER 421
SCUDDER MUN INCOME TR COM SH BEN INT 81118R604 463 41,000 SH DEFINED 41,000
SEARS ROEBUCK & CO COM 812387108 321 13,422 SH DEFINED 13,422
SEARS ROEBUCK & CO COM 812387108 84 3,509 SH OTHER 3,509
SEPRACOR INC COM 817315104 2,321 240,000 SH DEFINED 240,000
SERVICEMASTER CO COM 81760N109 1,095 98,680 SH DEFINED 3,375 95,305
SICOR INC COM 825846108 2,853 180,000 SH DEFINED 180,000
SIEBEL SYS INC COM 826170102 1,816 245,346 SH DEFINED 242,903 2,443
SIEBEL SYS INC COM 826170102 3 338 SH OTHER 238 100
SKYWEST INC COM 830879102 1,833 140,255 SH DEFINED 140,000 255
SKYWORKS SOLUTIONS INC COM 83088M102 124 14,383 SH DEFINED 9,964 4,419
SKYWORKS SOLUTIONS INC COM 83088M102 4 507 SH OTHER 507
SMITH INTL INC COM 832110100 2,842 87,139 SH DEFINED 87,139
SMITH INTL INC COM 832110100 3 100 SH OTHER 100
SONOCO PRODUCTS CO COM 835495102 79 3,462 SH DEFINED 3,462
SONOCO PRODUCTS CO COM 835495102 154 6,720 SH OTHER 6,720
SOUTHERN CO COM 842587107 6,537 230,251 SH DEFINED 218,719 700 10,832
SOUTHERN CO COM 842587107 2,436 85,801 SH OTHER 77,086 7,354 1,361
SOUTHSIDE BANCSHARES INC COM 84470P109 207 13,998 SH DEFINED 13,998
SOUTHTRUST CORP COM 844730101 5,839 234,959 SH DEFINED 216,188 870 17,901
SOUTHTRUST CORP COM 844730101 6,590 265,195 SH OTHER 207,472 45,655 12,068
SOUTHWEST AIRLINES CO COM 844741108 4,689 337,328 SH DEFINED 335,528 1,800
SOUTHWEST AIRLINES CO COM 844741108 116 8,363 SH OTHER 4,663 1,700 2,000
SPRINT CORP PCS COM SER 1 852061506 96 21,917 SH DEFINED 21,917
SPRINT CORP PCS COM SER 1 852061506 6 1,272 SH OTHER 1,204 68
STATE STR CORP COM 857477103 510 13,069 SH DEFINED 12,294 775
STATE STR CORP COM 857477103 12 314 SH OTHER 150 164
STILWELL FINL INC COM 860831106 5,301 405,554 SH DEFINED 404,187 1,367
STILWELL FINL INC COM 860831106 2 169 SH OTHER 169
STRYKER CORP COM 863667101 490 7,298 SH DEFINED 6,440 858
STRYKER CORP COM 863667101 12 181 SH OTHER 181
SUN LIFE FINANCIAL SVCS CAN ADR COM 866796105 204 11,967 SH DEFINED 11,967
SUN MICROSYSTEMS INC COM 866810104 3,026 972,978 SH DEFINED 950,262 22,716
SUN MICROSYSTEMS INC COM 866810104 53 17,115 SH OTHER 6,850 9,265 1,000
SUNGARD DATA SYS INC COM 867363103 1,032 43,794 SH DEFINED 43,794
SUNGARD DATA SYS INC COM 867363103 16 700 SH OTHER 700
SUNTRUST BANKS INC COM 867914103 1,788 31,405 SH DEFINED 30,848 207 350
SUNTRUST BANKS INC COM 867914103 1,248 21,917 SH OTHER 14,746 7,171
SYMANTEC CORP COM 871503108 920 22,709 SH DEFINED 21,425 1,284
SYMANTEC CORP COM 871503108 91 2,255 SH OTHER 2,000 255
SYNOPSYS INC COM 871607107 1,385 30,000 SH DEFINED 30,000
SYNOVUS FINANCIAL CORP COM 87161C105 924 47,636 SH DEFINED 46,286 450 900
SYNOVUS FINANCIAL CORP COM 87161C105 2,182 112,495 SH OTHER 108,575 505 3,415
SYSCO CORP COM 871829107 2,010 67,475 SH DEFINED 65,741 1,734
SYSCO CORP COM 871829107 156 5,225 SH OTHER 3,800 800 625
TCF FINL CORP COM 872275102 1,760 40,286 SH DEFINED 40,186 100
TECO ENERGY INC COM 872375100 328 21,190 SH DEFINED 21,190
TECO ENERGY INC COM 872375100 12 800 SH OTHER 800
TEPPCO PARTNERS LP UT LTD PARTNER 872384102 377 13,600 SH DEFINED 13,600
TXU CORP COM 873168108 571 30,546 SH DEFINED 30,296 250
TXU CORP COM 873168108 23 1,206 SH OTHER 1,000 6 200
TARGET CORP COM 87612E106 13,340 444,669 SH DEFINED 435,609 9,060
TARGET CORP COM 87612E106 691 23,038 SH OTHER 16,268 4,425 2,345
TELEFONICA S. A. SPONSORED ADR 879382208 433 16,281 SH DEFINED 15,900 381
TELEFONICA S. A. SPONSORED ADR 879382208 6 208 SH OTHER 208
TELEPHONE & DATA SYS INC COM 879433100 656 13,957 SH DEFINED 1,050 12,907
TEMPLETON GLOBAL INCOME FD INC COM 880198106 106 13,707 SH DEFINED 13,707
TEMPLETON GLOBAL INCOME FD INC COM 880198106 8 1,000 SH OTHER 1,000
TERADYNE INC COM 880770102 6,529 501,868 SH DEFINED 501,468 400
TEXAS INSTRUMENTS INC COM 882508104 9,320 620,914 SH DEFINED 588,191 1,200 31,523
TEXAS INSTRUMENTS INC COM 882508104 432 28,808 SH OTHER 22,460 5,338 1,010
TEXTRON INC COM 883203101 24 550 SH DEFINED 550
TEXTRON INC COM 883203101 345 8,025 SH OTHER 60 265 7,700
3M CO COM 88579Y101 2,769 22,461 SH DEFINED 20,215 2,246
3M CO COM 88579Y101 2,298 18,640 SH OTHER 14,321 1,014 3,305
TIMBERLAND CO CL A 887100105 1,424 40,000 SH DEFINED 40,000
TORCHMARK CORP COM 891027104 3,861 105,705 SH DEFINED 89,483 800 15,422
TORCHMARK CORP COM 891027104 9,192 251,622 SH OTHER 241,944 9,678
TRAVELERS PPTY CAS CORP NEW CL A 89420G109 88 5,978 SH DEFINED 4,616 1,362
TRAVELERS PPTY CAS CORP NEW CL A 89420G109 60 4,102 SH OTHER 3,054 575 473
TRAVELERS PPTY CAS CORP NEW CL B 89420G406 56 3,823 SH DEFINED 3,668 155
TRAVELERS PPTY CAS CORP NEW CL B 89420G406 110 7,514 SH OTHER 6,285 1,190 39
TRIZEC PROPERTIES INC (REIT) COM 89687P107 553 58,845 SH DEFINED 58,845
TYCO INTL LTD NEW ADR COM 902124106 279 16,335 SH DEFINED 15,272 1,063
TYCO INTL LTD NEW ADR COM 902124106 30 1,774 SH OTHER 1,274 500
UST INC COM 902911106 21,910 655,394 SH DEFINED 653,164 2,230
UST INC COM 902911106 109 3,250 SH OTHER 2,800 450
US BANCORP DEL COM NEW COM NEW 902973304 5,125 241,523 SH DEFINED 222,803 18,720
US BANCORP DEL COM NEW COM NEW 902973304 474 22,351 SH OTHER 21,077 1,084 190
UNION PACIFIC CORP COM 907818108 1,611 26,906 SH DEFINED 26,636 270
UNION PACIFIC CORP COM 907818108 284 4,736 SH OTHER 3,510 1,136 90
UNION PLANTERS CORP COM 908068109 2,187 77,722 SH DEFINED 77,137 585
UNION PLANTERS CORP COM 908068109 6,653 236,419 SH OTHER 48,250 172,380 15,789
UNITED PARCEL SVC INC CL B 911312106 75 1,188 SH DEFINED 951 237
UNITED PARCEL SVC INC CL B 911312106 220 3,492 SH OTHER 3,492
UNITED SEC BANCSHARES INC SHS 911459105 3,253 108,793 SH DEFINED 56,320 500 51,973
UNITED SEC BANCSHARES INC SHS 911459105 15 500 SH OTHER 500
UNITED TECHNOLOGIES CORP COM 913017109 1,570 25,342 SH DEFINED 24,272 1,070
UNITED TECHNOLOGIES CORP COM 913017109 503 8,118 SH OTHER 7,718 200 200
UNITEDHEALTH GROUP INC COM 91324P102 3,781 45,287 SH DEFINED 44,299 988
UNITEDHEALTH GROUP INC COM 91324P102 74 888 SH OTHER 416 472
UNOCAL CORP COM 915289102 4,735 154,853 SH DEFINED 154,153 700
UNOCAL CORP COM 915289102 31 1,000 SH OTHER 1,000
UNUMPROVIDENT CORP COM 91529Y106 242 13,808 SH DEFINED 13,808
UNUMPROVIDENT CORP COM 91529Y106 435 24,795 SH OTHER 17,681 7,114
V F CORP COM 918204108 2,483 68,866 SH DEFINED 65,701 150 3,015
V F CORP COM 918204108 16 445 SH OTHER 55 180 210
VERIZON COMMUNICATIONS COM 92343V104 13,263 342,274 SH DEFINED 314,217 140 27,917
VERIZON COMMUNICATIONS COM 92343V104 2,544 65,659 SH OTHER 40,663 20,438 4,558
VIACOM INC CL B 925524308 1,863 45,718 SH DEFINED 39,361 4,678 1,679
VIACOM INC CL B 925524308 67 1,645 SH OTHER 250 1,395
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 1,141 71,000 SH DEFINED 71,000
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 11 656 SH OTHER 656
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 510 28,162 SH DEFINED 22,534 5,628
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 275 15,161 SH OTHER 2,835 6,706 5,620
VULCAN MATERIALS CO COM 929160109 10,391 277,086 SH DEFINED 276,186 900
VULCAN MATERIALS CO COM 929160109 4,952 132,047 SH OTHER 66,310 4,219 61,518
WACHOVIA CORP COM 929903102 9,232 253,340 SH DEFINED 241,680 1,310 10,350
WACHOVIA CORP COM 929903102 862 23,663 SH OTHER 15,281 8,382
WADDELL & REED FINL INC CL A CL A 930059100 297 15,124 SH DEFINED 15,124
WADDELL & REED FINL INC CL A CL A 930059100 1,987 100,995 SH OTHER 98,772 2,223
WAL MART STORES INC COM 931142103 29,898 591,918 SH DEFINED 570,811 21,107
WAL MART STORES INC COM 931142103 4,878 96,567 SH OTHER 74,758 20,198 1,611
WALGREEN CO COM 931422109 2,250 77,066 SH DEFINED 75,287 1,779
WALGREEN CO COM 931422109 95 3,269 SH OTHER 1,300 1,400 569
WASHINGTON MUTUAL INC COM 939322103 8,363 242,189 SH DEFINED 221,987 20,202
WASHINGTON MUTUAL INC COM 939322103 192 5,554 SH OTHER 4,809 390 355
WASTE MANAGEMENT COM COM 94106L109 1,161 50,660 SH DEFINED 2,105 48,555
WELLPOINT HEALTH NETWORKS INC COM 94973H108 230 3,232 SH DEFINED 2,888 344
WELLPOINT HEALTH NETWORKS INC COM 94973H108 13 178 SH OTHER 178
WELLS FARGO & CO NEW COM 949746101 12,284 262,086 SH DEFINED 251,696 207 10,183
WELLS FARGO & CO NEW COM 949746101 1,116 23,810 SH OTHER 13,681 8,839 1,290
WEYERHAEUSER CO COM 962166104 7,125 144,786 SH DEFINED 133,695 116 10,975
WEYERHAEUSER CO COM 962166104 166 3,379 SH OTHER 2,029 1,150 200
WILLIAMS COS INC COM 969457100 39 14,271 SH DEFINED 14,271
WILLIAMS COS INC COM 969457100 10 3,850 SH OTHER 3,350 500
WILLIAMS SONOMA INC COM 969904101 1,089 40,121 SH DEFINED 40,000 121
WILMINGTON TR CORP COM 971807102 1,348 42,550 SH DEFINED 42,550
WISCONSIN ENERGY CORP COM 976657106 390 15,475 SH DEFINED 15,475
WISCONSIN ENERGY CORP COM 976657106 25 1,010 SH OTHER 1,010
WRIGLEY WM JR CO COM 982526105 2,974 54,182 SH DEFINED 54,182
WRIGLEY WM JR CO COM 982526105 724 13,200 SH OTHER 12,200 1,000
WYETH COM 983024100 15,269 408,266 SH DEFINED 382,839 1,350 24,077
WYETH COM 983024100 2,898 77,495 SH OTHER 66,183 10,117 1,195
XILINX INC COM 983919101 5,411 262,685 SH DEFINED 261,169 1,516
XILINX INC COM 983919101 2 110 SH OTHER 110
XEROX CORP COM 984121103 155 19,305 SH DEFINED 17,065 2,240
YUM BRANDS INC COM 988498101 1,189 49,081 SH DEFINED 2,354 46,727
YUM BRANDS INC COM 988498101 17 700 SH OTHER 700
ZIMMER HLDGS INC COM 98956P102 338 8,141 SH DEFINED 7,776 365
ZIMMER HLDGS INC COM 98956P102 133 3,211 SH OTHER 2,810 239 162