UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 3/31/03
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Check here if Amendment [ ]; Amendment Number:
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This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: PEAPACK GLADSTONE FINANCIAL CORPORATION
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Address: 158 ROUTE 206 NORTH
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GLADSTONE, NJ 07934
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Form 13F File Number: 28-
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The Institutional Investment Manager filing this report and the person by whom
it is signed 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: ROY C. MILLER
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Title: VICE PRESIDENT
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Phone: 908 719 3306
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Signature, Place, and Date of Signing:
/s/ Roy C. Miller Gladstone, NJ 04/22/03
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[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check if all holdings of this reporting manager are
reported in this report.)
[ ] 13F NOTICE. (Check if no holdings reported are in this report, and all
holdings are reported in this report and a portion are reported by other
reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check 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:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
28-
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[Repeat as necessary.]
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
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Form 13F Information Table Entry Total: 7,202,606
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Form 13F Information Table Value Total: 214,552
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(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.
No. Form 13F File Number Name
01 28 -
02 28 -
03 28 -
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
DAIMLER-CHRYSLER AG ORD D1668R123 24 848 SH DEFINED 848 0 0
COOPER INDUSTRIES LTD CLASS A G24182100 17 500 SH DEFINED 500 0 0
FOSTER WHEELER LTD G36535105 0 200 SH DEFINED 200 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 72 1875 SH SOLE 1875 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 256 6650 SH DEFINED 6650 0 0
NABORS INDUSTRIES LTD COM G6359F103 3 100 SH DEFINED 100 0 0
TRANSOCEAN INC G90078109 9 477 SH DEFINED 477 0 0
GILAT SATELLITE NETWORK LTD M51474100 0 2412 SH SOLE 2412 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 27 3200 SH SOLE 3200 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 150 17300 SH DEFINED 16600 0 700
ACM MANAGED INCOME FUND 000919100 1 300 SH DEFINED 300 0 0
AFLAC INCORPORATED 001055102 38 1200 SH DEFINED 1200 0 0
AGCO CORPORATION 001084102 434 27000 SH SOLE 25850 0 1150
AGCO CORPORATION 001084102 212 13225 SH DEFINED 13225 0 0
AES CORPORATION 00130H105 3 933 SH SOLE 933 0 0
AK STEEL HOLDING CORP 001547108 3 1000 SH DEFINED 1000 0 0
AOL TIME WARNER INC 00184A105 197 18225 SH SOLE 17125 0 1100
AOL TIME WARNER INC 00184A105 464 42788 SH DEFINED 39488 0 3300
AT&T CORP NEW 001957505 32 2006 SH SOLE 2006 0 0
AT&T CORP NEW 001957505 81 5011 SH DEFINED 4557 454 0
ATMI, INC. 00207R101 19 1000 SH SOLE 1000 0 0
AT&T WIRELESS SERVICES INC 00209A106 13 2032 SH SOLE 2032 0 0
AT&T WIRELESS SERVICES INC 00209A106 69 10487 SH DEFINED 9973 193 321
AVI BIOPHARMA INC 002346104 6 2000 SH DEFINED 2000 0 0
AASTROM BIOSCIENCES 00253U107 1 3500 SH DEFINED 3500 0 0
ABBOTT LABS COM 002824100 452 12027 SH SOLE 11527 0 500
ABBOTT LABS COM 002824100 1167 31035 SH DEFINED 28535 2500 0
ABERCROMBIE & FITCH 002896207 12 400 SH DEFINED 400 0 0
ADAMS EXPRESS COMPANY 006212104 11 1085 SH DEFINED 1085 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
ADOBE SYSTEMS INCORPORATED 00724F101 15 500 SH SOLE 500 0 0
AEGON N V ORD 007924103 22 3000 SH SOLE 3000 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 34 SH SOLE 34 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 70 SH DEFINED 38 0 32
AGERE SYSTEMS INC CLASS B 00845V209 0 359 SH SOLE 359 0 0
AGERE SYSTEMS INC CLASS B 00845V209 3 2290 SH DEFINED 1497 0 793
AGILENT TECHNOLOGIES 00846U101 4 376 SH SOLE 376 0 0
AGILENT TECHNOLOGIES 00846U101 45 3438 SH DEFINED 2829 381 228
AGNICO EAGLE MINES LTD 008474108 1 150 SH SOLE 150 0 0
AIR PRODUCTS & CHEMICALS INC 009158106 486 11750 SH SOLE 11275 0 475
AIR PRODUCTS & CHEMICALS INC 009158106 304 7350 SH DEFINED 6950 400 0
AIRTRAN HOLDINGS INC COM 00949P108 0 100 SH DEFINED 100 0 0
ALBEMARLE CORP 012653101 19 800 SH SOLE 800 0 0
ALCOA INC COM 013817101 120 6200 SH SOLE 6200 0 0
ALCOA INC COM 013817101 7 400 SH DEFINED 400 0 0
ALLEGHENY ENERGY INC 017361106 19 3200 SH DEFINED 2000 1200 0
ALLERGAN INC COM 018490102 10 150 SH DEFINED 150 0 0
ALLETE INC 018522102 8 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL MANAGEMENT HOLDING LP 01855A101 20 725 SH DEFINED 725 0 0
ALLIANCE RESOURCE PARTNERS L P 01877R108 22 1000 SH DEFINED 1000 0 0
ALLIANT ENERGY CORP COM 018802108 46 2900 SH SOLE 2900 0 0
ALLIANT ENERGY CORP COM 018802108 17 1066 SH DEFINED 1066 0 0
ALLIED CAPITAL CORP NEW 01903Q108 39 2000 SH SOLE 2000 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 4 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 2 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 68 2076 SH SOLE 2076 0 0
ALLSTATE CORP COM 020002101 39 1184 SH DEFINED 1184 0 0
ALLTELL CORPORATION 020039103 653 14600 SH SOLE 14600 0 0
ALLTELL CORPORATION 020039103 119 2671 SH DEFINED 2671 0 0
AMEREN CORP COM 023608102 74 1900 SH SOLE 1900 0 0
AMEREN CORP COM 023608102 105 2700 SH DEFINED 2700 0 0
AMERICA MOVIL ADS 02364W105 5 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 134 5902 SH SOLE 5902 0 0
AMERICAN ELEC PWR INC COM 025537101 191 8404 SH DEFINED 8404 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
AMERICAN EXPRESS CO COM 025816109 136 4100 SH SOLE 4100 0 0
AMERICAN EXPRESS CO COM 025816109 481 14500 SH DEFINED 14500 0 0
AMERICAN INTERNATIONAL GROUP 026874107 1008 20395 SH SOLE 19995 0 400
AMERICAN INTERNATIONAL GROUP 026874107 1940 39244 SH DEFINED 35869 2500 875
AMERICAN STANDARD COMPANIES INC 029712106 34 500 SH DEFINED 500 0 0
AMERICAN TOWER CORP CLASS A 029912201 1 300 SH DEFINED 300 0 0
AMETEK INC (NEW) 031100100 105 3200 SH SOLE 3200 0 0
AMETEK INC (NEW) 031100100 9 280 SH DEFINED 280 0 0
AMGEN INC 031162100 618 10753 SH SOLE 10753 0 0
AMGEN INC 031162100 101 1770 SH DEFINED 1770 0 0
AMSOUTH BANCORPORATION 032165102 33 1687 SH DEFINED 1687 0 0
ANADARKO PETE CORP COM 032511107 512 11254 SH SOLE 11254 0 0
ANADARKO PETE CORP COM 032511107 977 21481 SH DEFINED 19997 0 1484
ANHEUSER BUSCH COS INC COM 035229103 1034 22202 SH SOLE 21002 0 1200
ANHEUSER BUSCH COS INC COM 035229103 1089 23365 SH DEFINED 21890 1125 350
ANTHEM INC 03674B104 33 500 SH SOLE 500 0 0
ANTIGENICS INC DEL 037032109 0 89 SH DEFINED 0 0 89
APACHE CORPORATION 037411105 223 3613 SH SOLE 3613 0 0
APOLLO GROUP INC CL A 037604105 19 400 SH DEFINED 0 0 400
APPLERA CORP COM CELERA GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0
APPLIED MICRO CIRCUITS CORP 03822W109 0 100 SH SOLE 100 0 0
APPLIED MATERIALS INC 038222105 37 3000 SH SOLE 3000 0 0
ARCH CHEMICALS INC 03937R102 6 333 SH DEFINED 0 333 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 1 100 SH SOLE 100 0 0
ARCHSTONE-SMITH TR 039583109 21 1000 SH SOLE 1000 0 0
ARM HOLDINGS PLC ADR 042068106 12 5000 SH SOLE 5000 0 0
ARVINMERITOR INC COM 043353101 1 100 SH DEFINED 100 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 114 3348 SH SOLE 3348 0 0
ATMEL CORPORATION 049513104 0 600 SH DEFINED 600 0 0
AURORA FOODS INC 05164B106 0 1501 SH SOLE 1501 0 0
AUTHENTIDATE HOLDING CORP 052666104 1 1000 SH SOLE 1000 0 0
AUTOMATIC DATA PROCESSING 053015103 510 16585 SH SOLE 16035 0 550
AUTOMATIC DATA PROCESSING 053015103 624 20285 SH DEFINED 18385 1600 300
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
AVAYA INC COM USD .01 053499109 1 593 SH SOLE 593 0 0
AVAYA INC COM USD .01 053499109 4 2440 SH DEFINED 2440 0 0
AVERY DENNISON CORP 053611109 20 350 SH DEFINED 350 0 0
AVISTA CORP COM 05379B107 6 600 SH DEFINED 600 0 0
AVON PRODUCTS 054303102 28 500 SH DEFINED 500 0 0
BASF AG ADR 055262505 15 417 SH SOLE 417 0 0
BCE INC COM 05534B109 1 100 SH SOLE 100 0 0
BOC GROUP PLC ADR 055617609 12 500 SH DEFINED 500 0 0
BP PLC 055622104 722 18722 SH SOLE 18622 0 100
BP PLC 055622104 1355 35123 SH DEFINED 34123 1000 0
BAKER HUGHES INCORPORATED COMMON 057224107 3 125 SH SOLE 125 0 0
BALLARD POWER SYSTEMS INC 05858H104 4 500 SH DEFINED 500 0 0
BANK AMERICA CORP COM 060505104 872 13053 SH SOLE 13053 0 0
BANK AMERICA CORP COM 060505104 503 7537 SH DEFINED 6437 1100 0
BANK OF NEW YORK INC 064057102 739 36064 SH SOLE 36064 0 0
BANK OF NEW YORK INC 064057102 222 10868 SH DEFINED 10868 0 0
BK NOVA SCOTIA LA BANQUE DE NOUVELLE ECOSSE 064149107 3 107 SH SOLE 107 0 0
BANC ONE CORP COM 06423A103 90 2615 SH DEFINED 2615 0 0
BARR LABS INC 068306109 25 450 SH DEFINED 450 0 0
BAUSCH & LOMB INC COM 071707103 32 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 26 1400 SH SOLE 1400 0 0
BAXTER INTERNATIONAL 071813109 18 1000 SH DEFINED 1000 0 0
BEA SYSTEMS INC. 073325102 4 400 SH SOLE 400 0 0
BECTON DICKINSON & COMPANY 075887109 44 1300 SH DEFINED 1300 0 0
BED BATH & BEYOND 075896100 48 1400 SH DEFINED 1400 0 0
BEDFORD PROPERTY INVESTORS INC 076446301 2 100 SH DEFINED 100 0 0
BELLSOUTH CORP COM 079860102 305 14092 SH SOLE 14092 0 0
BELLSOUTH CORP COM 079860102 864 39928 SH DEFINED 37428 2100 400
BEST BUY COMPANY INC 086516101 93 3450 SH SOLE 3450 0 0
BEST BUY COMPANY INC 086516101 50 1872 SH DEFINED 1872 0 0
BIOJECT MEDICAL TECH 09059T206 5 1500 SH DEFINED 1500 0 0
BIOVAIL CORPORATION 09067J109 982 24650 SH SOLE 24650 0 0
BIOVAIL CORPORATION 09067J109 650 16320 SH DEFINED 13475 1395 1450
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
BLACK & DECKER CORP COM 091797100 13 400 SH DEFINED 400 0 0
BLACKROCK MUNICIPAL INCOME TRUST 09248F109 5 400 SH DEFINED 400 0 0
BLACKROCK STRATEGIC MUNICPAL TRUST 09248T109 5 400 SH DEFINED 400 0 0
BLOCK H & R INC COM 093671105 34 800 SH DEFINED 800 0 0
BOEING CO COM 097023105 101 4065 SH SOLE 4065 0 0
BOEING CO COM 097023105 42 1686 SH DEFINED 1686 0 0
BOSTON PROPERTIES INC. 101121101 9 250 SH SOLE 250 0 0
BOSTON SCIENTIFIC CORP. 101137107 16 400 SH DEFINED 400 0 0
BRIGGS & STRATTON CORPORATION 109043109 0 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 844 40000 SH SOLE 37350 0 2650
BRISTOL-MYERS SQUIBB 110122108 2184 103441 SH DEFINED 101541 900 1000
BROADCOM CORPORATION COM 111320107 3 300 SH DEFINED 0 0 300
BROWN FORMAN DISTILLERS CORPCLASS 'A' VOTING 115637100 46 600 SH DEFINED 600 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 276 7700 SH SOLE 7700 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 398 11100 SH DEFINED 11100 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 19 777 SH SOLE 777 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 98 3949 SH DEFINED 2829 1120 0
BURLINGTON RESOURCES 122014103 47 1000 SH DEFINED 1000 0 0
CRACKER BARREL GROUP INC 12489V106 22 825 SH SOLE 825 0 0
CSX CORP COM 126408103 11 400 SH SOLE 400 0 0
CSX CORP COM 126408103 34 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 645 27075 SH SOLE 24925 0 2150
CVS CORP COM 126650100 707 29690 SH DEFINED 24965 2850 1875
CABLE & WIRELESS 126830207 11 3600 SH SOLE 3600 0 0
CAL DIVE INTL INC 127914109 12 700 SH DEFINED 700 0 0
CALIPER TECHNOLOGIES CORP 130876105 7 2200 SH SOLE 2200 0 0
CALPINE CORP 131347106 0 100 SH SOLE 100 0 0
CALPINE CORP 131347106 0 200 SH DEFINED 200 0 0
CAMPBELL SOUP CO COM 134429109 42 2000 SH DEFINED 2000 0 0
CAPITAL ONE FINANCIAL 14040H105 991 33050 SH SOLE 32400 0 650
CAPITAL ONE FINANCIAL 14040H105 369 12325 SH DEFINED 10475 200 1650
CARDINAL HEALTH 14149Y108 281 4950 SH SOLE 4625 0 325
CARDINAL HEALTH 14149Y108 133 2340 SH DEFINED 1465 875 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
CAREER EDUCATION CORP 141665109 39 800 SH SOLE 800 0 0
CAREER EDUCATION CORP 141665109 92 1900 SH DEFINED 1400 0 500
CARMAX INC 143130102 72 5000 SH SOLE 5000 0 0
CATERPILLAR INC 149123101 4 100 SH SOLE 100 0 0
CATERPILLAR INC 149123101 83 1700 SH DEFINED 1700 0 0
CELL PATHWAYS INC 15114R101 5 5900 SH DEFINED 5900 0 0
CENDANT CORPORATION 151313103 7 600 SH DEFINED 600 0 0
CENTER BANCORP INC COM 151408101 117 4432 SH DEFINED 4432 0 0
CENTERPOINT ENERGY INC 15189T107 7 1100 SH DEFINED 1100 0 0
CEPHALON INC. 156708109 1 47 SH DEFINED 47 0 0
CERTEGY INC 156880106 8 325 SH DEFINED 325 0 0
CHESAPEAKE ENERGY CORP 165167107 15 2000 SH DEFINED 2000 0 0
CHEVRONTEXACO CORP 166764100 904 13988 SH SOLE 12588 0 1400
CHEVRONTEXACO CORP 166764100 1003 15519 SH DEFINED 15319 100 100
CHINA MOBILE HONG KONG LTD ADR 16941M109 45 4600 SH DEFINED 1800 0 2800
CHOICEPOINT INC COM 170388102 23 700 SH DEFINED 0 0 700
CHORDIANT SOFTWARE INC. 170404107 0 240 SH DEFINED 240 0 0
THE CHUBB CORPORATION 171232101 504 11380 SH SOLE 10130 0 1250
THE CHUBB CORPORATION 171232101 592 13375 SH DEFINED 13375 0 0
CHURCH & DWIGHT INC COM 171340102 60 2000 SH DEFINED 2000 0 0
CIENA CORPORATION 171779101 1 300 SH DEFINED 300 0 0
CIGNA INVESTMENT SECURITIES,INC. 17179X106 37 2191 SH DEFINED 2191 0 0
CINERGY CORP 172474108 18 550 SH DEFINED 550 0 0
CISCO SYS INC 17275R102 1110 85544 SH SOLE 85544 0 0
CISCO SYS INC 17275R102 868 66899 SH DEFINED 65499 0 1400
CITIGROUP INC 172967101 1562 45352 SH SOLE 42902 0 2450
CITIGROUP INC 172967101 3170 92021 SH DEFINED 91325 430 266
CITRIX SYSTEMS INC 177376100 1 100 SH DEFINED 100 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 1276 37650 SH SOLE 37650 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 590 17400 SH DEFINED 16300 600 500
CLOROX CO DEL COM 189054109 4 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 104 2594 SH SOLE 2594 0 0
COCA COLA CO COM 191216100 688 17004 SH DEFINED 16504 500 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
COGNIZANT TECHNOLOGY CO 192446102 26 398 SH DEFINED 398 0 0
COLGATE PALMOLIVE CO COM 194162103 1852 34041 SH SOLE 33941 0 100
COLGATE PALMOLIVE CO COM 194162103 2283 41959 SH DEFINED 41859 100 0
COMCAST CORP NEW CLASS A 20030N101 95 3325 SH SOLE 3325 0 0
COMCAST CORP NEW CLASS A 20030N101 252 8821 SH DEFINED 7764 734 323
COMCAST CORP NEW CLASS A SPL 20030N200 49 1800 SH SOLE 1800 0 0
COMERICA INC. CO 200340107 28 750 SH DEFINED 750 0 0
CONAGRA FOODS INC COM 205887102 38 1900 SH DEFINED 1400 500 0
CONEXANT SYS INC COM 207142100 2 1966 SH DEFINED 1966 0 0
CONOCOPHILLIPS CORP 20825C104 209 3917 SH SOLE 3917 0 0
CONOCOPHILLIPS CORP 20825C104 768 14349 SH DEFINED 13349 0 1000
CONSOLIDATED EDISON COM 209115104 186 4842 SH SOLE 4842 0 0
CONSOLIDATED EDISON COM 209115104 55 1448 SH DEFINED 648 800 0
CONSTELLATION BRANDS INC CL A 21036P108 705 31070 SH SOLE 30870 0 200
CONSTELLATION BRANDS INC CL A 21036P108 846 37275 SH DEFINED 35025 200 2050
CONSTELLATION ENERGY GROUP INC COM 210371100 66 2400 SH DEFINED 2400 0 0
CONTINENTAL AIRLINES INC CL B 210795308 1 300 SH DEFINED 300 0 0
CORN PRODS INTL INC COM 219023108 17 600 SH DEFINED 600 0 0
CORNING INC 219350105 35 6100 SH SOLE 6100 0 0
CORNING INC 219350105 160 27486 SH DEFINED 26586 0 900
CORPORATE HIGH YIELD FUND III INC 219925104 16 2000 SH DEFINED 2000 0 0
COX COMMUNICATIONS INC NEW CL A 224044107 18 604 SH DEFINED 604 0 0
CUBIST PHARMACEUTICAL INC 229678107 2 300 SH DEFINED 300 0 0
CUMMINS ENGINE INC 231021106 98 4000 SH DEFINED 4000 0 0
CYTEC INDUSTRIES INC 232820100 0 10 SH SOLE 10 0 0
DNP SELECT INCOME FUND INC COM 23325P104 21 2160 SH DEFINED 2160 0 0
D R HORTON INC 23331A109 3 200 SH DEFINED 200 0 0
DTE ENERGY CO COM 233331107 68 1775 SH SOLE 1775 0 0
DTE ENERGY CO COM 233331107 17 454 SH DEFINED 454 0 0
DARDEN RESTAURANTS 237194105 203 11400 SH SOLE 11400 0 0
DARDEN RESTAURANTS 237194105 270 15190 SH DEFINED 15190 0 0
DATATEC SYSTEMS INC 238128102 0 500 SH DEFINED 500 0 0
DECODE GENETICS INC 243586104 1 619 SH DEFINED 619 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ----- ------ ----
DEERE & COMPANY 244199105 145 3700 SH DEFINED 3200 0 500
DEL MONTE FOODS CO 24522P103 1 199 SH SOLE 199 0 0
DEL MONTE FOODS CO 24522P103 3 454 SH DEFINED 454 0 0
DELL COMPUTER CORP 247025109 966 35396 SH SOLE 34546 0 850
DELL COMPUTER CORP 247025109 630 23105 SH DEFINED 21705 1000 400
DELPHI CORPORATION CORP 247126105 0 116 SH SOLE 116 0 0
DELPHI CORPORATION CORP 247126105 3 523 SH DEFINED 523 0 0
DELTIC TIMBER CORP 247850100 119 5000 SH DEFINED 5000 0 0
DELUXE CORP COM 248019101 4 100 SH DEFINED 100 0 0
DEPOMED INC 249908104 4 2000 SH SOLE 2000 0 0
DEVELOPERS DIVERSIFIED 251591103 0 29 SH DEFINED 29 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 0 20 SH SOLE 20 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 14 300 SH DEFINED 300 0 0
DIAMONDS TRUST SER I 252787106 23 300 SH DEFINED 300 0 0
DIEBOLD INC 253651103 33 1000 SH SOLE 1000 0 0
DISNEY WALT CO COM DISNEY 254687106 169 9942 SH SOLE 9942 0 0
DISNEY WALT CO COM DISNEY 254687106 198 11691 SH DEFINED 9668 2023 0
DOMINION RES INC 25746U109 29 533 SH SOLE 533 0 0
DOMINION RES INC 25746U109 410 7417 SH DEFINED 6521 896 0
DONALDSON INC 257651109 84 2300 SH SOLE 2300 0 0
DONALDSON INC 257651109 62 1700 SH DEFINED 1700 0 0
DOVER CORPORATION 260003108 76 3150 SH SOLE 3150 0 0
DOW CHEM CO COM 260543103 260 9444 SH SOLE 9444 0 0
DOW CHEM CO COM 260543103 282 10222 SH DEFINED 7822 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 833 21457 SH SOLE 20257 0 1200
DU PONT E I DE NEMOURS & CO COM 263534109 905 23290 SH DEFINED 22090 0 1200
DUKE ENERGY CORP COM 264399106 227 15664 SH SOLE 15664 0 0
DUKE ENERGY CORP COM 264399106 214 14777 SH DEFINED 14233 544 0
DYAX CORPORATION 26746E103 2 1500 SH SOLE 1500 0 0
E M C CORPORATION 268648102 52 7250 SH SOLE 7250 0 0
E M C CORPORATION 268648102 51 7060 SH DEFINED 7060 0 0
EMS TECHNOLOGIES INC 26873N108 4 300 SH DEFINED 300 0 0
EOG RES INC 26875P101 98 2500 SH DEFINED 2500 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
--------------------------- -------------- --------- --------- ------- --- ---- ------- -------- ------ ------ -----
E*TRADE GROUP 269246104 3 800 SH DEFINED 800 0 0
EASTMAN CHEMICAL COMPANY 277432100 2 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 10 351 SH SOLE 351 0 0
EASTMAN KODAK CO COM 277461109 19 650 SH DEFINED 150 0 500
EATON VANCE CORP 278265103 13 500 SH SOLE 500 0 0
EATON VANCE INSD MUNICIPAL BOND FUND 27827X101 4 350 DEFINED 350 0 0
EBAY INC 278642103 85 1000 SH DEFINED 0 0 1000
EDISON SCHOOLS INC 281033100 1 1800 SH DEFINED 1800 0 0
EL PASO CORPORATION 28336L109 0 75 SH SOLE 75 0 0
EL PASO CORPORATION 28336L109 4 666 SH DEFINED 666 0 0
EL PASO ENERGY PARTNERS L P COM 28368B102 4 150 SH DEFINED 150 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 26 1487 SH SOLE 1487 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 7 400 SH DEFINED 300 100 0
EMERSON ELEC CO COM 291011104 170 3750 SH SOLE 3750 0 0
EMERSON ELEC CO COM 291011104 435 9608 SH DEFINED 9608 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 68 1500 SH SOLE 1500 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 171 3750 SH DEFINED 3350 400 0
ENERGEN CORP COM 29265N108 38 1200 SH DEFINED 1200 0 0
ENERGY EAST CORP COM 29266M109 115 6478 SH DEFINED 6478 0 0
ENGELHARD CORP COM 292845104 59 2802 SH DEFINED 2802 0 0
ENTERGY CORP NEW COM 29364G103 120 2500 SH DEFINED 2500 0 0
ENTREMED INC COM 29382F103 1 1200 SH DEFINED 900 0 300
EQUIFAX, INC. 294429105 12 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 37 1000 SH DEFINED 1000 0 0
EQUITY INCOME FUND EXCHANGE SER.AT&T SHS 1ST 294700703 39 576 SH DEFINED 576 0 0
EQUITY OFFICE PPTYS TR COM 294741103 76 3000 SH DEFINED 3000 0 0
EQUITY RESIDENTIAL SBI 29476L107 30 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL SBI 29476L107 4 200 SH DEFINED 200 0 0
ERICSSON TELEPHONE CO ADR 294821608 6 1024 SH DEFINED 1024 0 0
ETHYL CORP 297659609 3 320 SH SOLE 320 0 0
EXELON CORP COM 30161N101 7 154 SH SOLE 154 0 0
EXELON CORP COM 30161N101 29 594 SH DEFINED 594 0 0
EXXON MOBIL CORP COM 30231G102 4308 123289 SH SOLE 120289 0 3000
EXXON MOBIL CORP COM 30231G102 10034 287114 SH DEFINED 258418 17112 11584
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- ------------ -------- ------- --- ---- ------- -------- ------ ------ -----
FPL GROUP INC COM 302571104 297 5050 SH SOLE 5050 0 0
FPL GROUP INC COM 302571104 530 9000 SH DEFINED 9000 0 0
FEDERAL HOME LOAN MORTGAGE CORPORATION COMMON 313400301 83 1575 SH SOLE 1575 0 0
FEDERAL NATL MTG ASSN (D/B/A FANNIE MAE) COM313586109 687 10525 SH SOLE 10525 0 0
FEDERAL NATL MTG ASSN (D/B/A FANNIE MAE) COM313586109 329 5040 SH DEFINED 3090 1950 0
FEDERAL REALTY INVESTMENT TRUST 313747206 12 423 SH DEFINED 423 0 0
FEDERAL SIGNAL CORPORATION 313855108 18 1300 SH DEFINED 1300 0 0
FEDEX CORPORATION 31428X106 27 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 7 150 SH DEFINED 150 0 0
FIRST DATA CORPORATION 319963104 704 19028 SH SOLE 19028 0 0
FIRST DATA CORPORATION 319963104 59 1600 SH DEFINED 1100 500 0
FIRST SENTINEL BANCORP INC. 33640T103 10 752 SH DEFINED 0 0 752
FIRST VIRGINIA BANK INC 337477103 14 375 SH SOLE 375 0 0
FIRSTENERGY CORP COM 337932107 22 700 SH DEFINED 700 0 0
FLEETBOSTON FINANCIAL CORP COM 339030108 1044 43776 SH DEFINED 43676 100 0
FLOWER FOODS INC 343498101 20 750 SH DEFINED 750 0 0
FORD MOTOR CO DEL 345370860 1 200 SH SOLE 200 0 0
FORD MOTOR CO DEL 345370860 57 7591 SH DEFINED 6543 1048 0
FOREST LABORATORIES INC 345838106 102 1900 SH SOLE 1900 0 0
FOREST LABORATORIES INC 345838106 80 1500 SH DEFINED 1500 0 0
FORTUNE BRANDS INC COM 349631101 120 2808 SH SOLE 2808 0 0
FORTUNE BRANDS INC COM 349631101 77 1800 SH DEFINED 900 900 0
FRANKLIN RESOURCES INC 354613101 49 1500 SH SOLE 1500 0 0
GABLES RESIDENTIAL TRUST 362418105 26 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 35 928 SH SOLE 928 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 89 2337 SH DEFINED 2337 0 0
GAP INC 364760108 2 150 SH SOLE 150 0 0
GENENTECH INC 368710406 117 3350 SH SOLE 3350 0 0
GENENTECH INC 368710406 296 8475 SH DEFINED 8175 0 300
GENERAL DYNAMICS CORP 369550108 24 450 SH SOLE 450 0 0
GENERAL ELEC CO COM 369604103 5020 196869 SH SOLE 193919 0 2950
GENERAL ELEC CO COM 369604103 7932 311089 SH DEFINED 280955 26934 3200
GENERAL MAGIC INC. 370253403 0 71 SH DEFINED 71 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- --------- ------- --- ---- ------- -------- ------ ------ ----
GENERAL MILLS, INC 370334104 6 150 SH SOLE 150 0 0
GENERAL MILLS, INC 370334104 18 400 SH DEFINED 400 0 0
GENERAL MTRS CORP COM 370442105 464 13832 SH SOLE 12082 0 1750
GENERAL MTRS CORP COM 370442105 437 13011 SH DEFINED 11761 1250 0
GENERAL MOTORS CLASS H NEW 370442832 17 1566 SH SOLE 1566 0 0
GENERAL MOTORS CLASS H NEW 370442832 152 13608 SH DEFINED 13608 0 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 116 8393 SH DEFINED 8393 0 0
GILLETTE COMPANY 375766102 239 7733 SH SOLE 7733 0 0
GILLETTE COMPANY 375766102 71 2300 SH DEFINED 2300 0 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 213 6062 SH SOLE 6062 0 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 183 5212 SH DEFINED 5212 0 0
GOLDMAN SACHS GROUP 38141G104 197 2900 SH SOLE 2900 0 0
GOLDMAN SACHS GROUP 38141G104 335 4935 SH DEFINED 4935 0 0
GUIDANT CORP COM 401698105 21 600 SH DEFINED 600 0 0
HRPT PPTYS TR COMM SH BEN INT 40426W101 8 1000 SH DEFINED 1000 0 0
HAIN CELESTIAL GROUP INC 405217100 9 650 SH DEFINED 650 0 0
HALLIBURTON CO COM 406216101 18 896 SH SOLE 896 0 0
HALLIBURTON CO COM 406216101 200 9682 SH DEFINED 9682 0 0
JOHN HANCOCK INCOME SECURITIES TRUST 410123103 4 267 SH DEFINED 267 0 0
JOHN HANCOCK PATRIOT PREMIUM DIV FD I COM 41013Q101 16 1834 SH DEFINED 1834 0 0
HANCOCK JOHN PATRIOT PREMIUM DIVIDEND FUND II 41013T105 11 1100 SH DEFINED 1100 0 0
JOHN HANCOCK FINANCIAL SERVICES,INC. 41014S106 28 1014 SH DEFINED 1014 0 0
HANDSPRING INC 410293104 0 200 SH SOLE 200 0 0
HARBOR FLA BANCSHARES 411901101 11 502 SH DEFINED 502 0 0
HARLEY DAVIDSON 412822108 11 300 SH SOLE 300 0 0
HARLEY DAVIDSON 412822108 174 4400 SH DEFINED 4400 0 0
HARMONY GOLD MINING ADR 413216300 12 1000 SH DEFINED 0 1000 0
HARTFORD FINL SVCS GROUP INC COM 416515104 80 2287 SH SOLE 2287 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 46 1312 SH DEFINED 1312 0 0
H.J. HEINZ COMPANY 423074103 13 450 SH SOLE 450 0 0
H.J. HEINZ COMPANY 423074103 32 1100 SH DEFINED 1100 0 0
HERSHEY FOODS CORP COM 427866108 187 3000 SH DEFINED 2400 0 600
HEWLETT PACKARD CO COM 428236103 44 2877 SH SOLE 2877 0 0
HEWLETT PACKARD CO COM 428236103 382 24588 SH DEFINED 21388 2000 1200
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- --------- ------- --- ---- ------- -------- ------ ------ ----
HIBERNIA CORP 428656102 5 300 SH SOLE 300 0 0
HOME DEPOT, INC 437076102 1196 49125 SH SOLE 46425 0 2700
HOME DEPOT, INC 437076102 1639 67321 SH DEFINED 65321 850 1150
HOME PROPERTIES OF NEW YORK INC 437306103 6 200 SH DEFINED 200 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 106 4998 SH SOLE 4998 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 116 5458 SH DEFINED 5458 0 0
HOST MARRIOTT CORPORATION 44107P104 21 3074 SH DEFINED 3074 0 0
HOUSEHOLD INTL INC COM 441815107 10 386 SH SOLE 386 0 0
HOUSEHOLD INTL INC COM 441815107 42 1500 SH DEFINED 1500 0 0
HUDSON CITY BANCORP 443683107 44 2200 SH DEFINED 2200 0 0
HUNTINGTON BANCSHARES INC 446150104 50 2722 SH DEFINED 2722 0 0
HYPERION TOTAL RETURN FUND INC 449145101 31 3150 SH SOLE 3150 0 0
IMS HEALTH INCORPORATED 449934108 41 2632 SH DEFINED 2632 0 0
ITT INDUSTRIES INC COM 450911102 36 682 SH SOLE 682 0 0
ITT INDUSTRIES INC COM 450911102 29 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 23 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 6 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 91 4000 SH DEFINED 4000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 26 463 SH DEFINED 361 102 0
IMAGISTICS INTERNATIONAL IN C 45247T104 0 32 SH SOLE 32 0 0
IMAGISTICS INTERNATIONAL IN C 45247T104 10 588 SH DEFINED 588 0 0
INDYMAC BANCORP INC 456607100 19 1000 SH DEFINED 1000 0 0
INNKEEPERS USA TRUST 4576J0104 13 2000 SH DEFINED 2000 0 0
INTEL CORP COM 458140100 665 40930 SH SOLE 39530 0 1400
INTEL CORP COM 458140100 994 61099 SH DEFINED 58999 2100 0
INTERMEDIATE MUNICIPAL FUND INC 45880P104 18 2000 DEFINED 2000 0 0
INTL BUSINESS MACHINE CORP COMMON 459200101 2105 26852 SH SOLE 25652 0 1200
INTL BUSINESS MACHINE CORP COMMON 459200101 4714 60109 SH DEFINED 57509 1000 1600
INTL PAPER CO COM 460146103 138 4097 SH DEFINED 4097 0 0
INTERNET HOLDERS TRUST 46059W102 2 100 SH SOLE 100 0 0
INTEVAC INC 461148108 14 3300 SH DEFINED 0 3300 0
INTUIT 461202103 3 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 20 683 SH DEFINED 683 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- --------- ------- --- ---- ------- -------- ------ ------ ----
IVAX CORP 465823102 2 187 SH DEFINED 187 0 0
JDS UNIPHASE CORPORATION 46612J101 0 200 SH SOLE 200 0 0
JDS UNIPHASE CORPORATION 46612J101 1 400 SH DEFINED 400 0 0
J P MORGAN CHASE & CO 46625H100 93 3950 SH SOLE 3950 0 0
J P MORGAN CHASE & CO 46625H100 1179 49751 SH DEFINED 44397 1480 3874
JABIL CIRCUIT INC 466313103 2 150 SH SOLE 150 0 0
JABIL CIRCUIT INC 466313103 4 250 SH DEFINED 250 0 0
JEFFERSON PILOT CORPORATION 475070108 26 683 SH SOLE 683 0 0
JEFFERSON PILOT CORPORATION 475070108 39 1035 SH DEFINED 1035 0 0
JETBLUE AIRWAYS 477143101 5 200 SH DEFINED 200 0 0
JOHNSON & JOHNSON COM 478160104 3655 63176 SH SOLE 61576 0 1600
JOHNSON & JOHNSON COM 478160104 7877 136142 SH DEFINED 127792 5800 2550
JUNIPER NETWORKS 48203R104 0 100 SH SOLE 100 0 0
KADANT INC 48282T104 9 558 SH DEFINED 558 0 0
KANEB PIPE LINE PARTNERS LP 484169107 178 4850 SH DEFINED 4850 0 0
KELLOGG COMPANY 487836108 48 1575 SH SOLE 1575 0 0
KERR MCGEE CORP 492386107 0 18 SH DEFINED 18 0 0
KEYCORP 493267108 9 400 SH SOLE 400 0 0
KEYSPAN CORP COM 49337W100 43 1341 SH DEFINED 1341 0 0
KEYSTONE PROPERTY TRUST MD 493596100 27 1600 SH DEFINED 1600 0 0
KIMBERLY-CLARK CORPORATION 494368103 597 13150 SH SOLE 12150 0 1000
KIMBERLY-CLARK CORPORATION 494368103 540 11885 SH DEFINED 11185 500 200
KIMCO REALITY CORPORATION 49446R109 47 1350 SH DEFINED 0 1350 0
KINDER MORGAN ENERGY PARTNERS L P 494550106 196 5300 SH DEFINED 5300 0 0
KNIGHT-RIDDER INC 499040103 1143 19550 SH SOLE 18100 0 1450
KNIGHT-RIDDER INC 499040103 775 13250 SH DEFINED 11325 1050 875
KONINKLIJKE PHILIPS ELECTRS N V SP ADR 500472303 4 291 SH DEFINED 291 0 0
KRAFT FOODS INC 50075N104 56 2005 SH SOLE 2005 0 0
KRAFT FOODS INC 50075N104 31 1100 SH DEFINED 1100 0 0
KRAMONT REALTY TRUST COM 50075Q107 12 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 6 200 SH DEFINED 200 0 0
KROGER COMPANY COM 501044101 215 16355 SH SOLE 16355 0 0
KROGER COMPANY COM 501044101 202 15400 SH DEFINED 15400 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- --------- ------- --- ---- ------- -------- ------ ------ ----
L-3 COMMUNICATIONS HLDGS INC 502424104 890 22180 SH SOLE 22080 0 100
L-3 COMMUNICATIONS HLDGS INC 502424104 676 16850 SH DEFINED 14775 1050 1025
LA-Z-BOY INC 505336107 32 1900 SH SOLE 1900 0 0
LA-Z-BOY INC 505336107 48 2800 SH DEFINED 2300 0 500
LEHMAN BROTHERS HOLDINGS INC 524908100 5 100 SH SOLE 100 0 0
LENDING TREE INC 52602Q105 2 250 SH SOLE 250 0 0
LENNAR CORP 526057104 53 1000 SH DEFINED 1000 0 0
LILLY ELI & CO COM 532457108 104 1837 SH SOLE 1837 0 0
LILLY ELI & CO COM 532457108 651 11396 SH DEFINED 10996 0 400
LOCKHEED MARTIN CORP 539830109 445 9368 SH SOLE 9368 0 0
LOCKHEED MARTIN CORP 539830109 83 1750 SH DEFINED 1750 0 0
LOWES COMPANIES INC 548661107 344 8433 SH SOLE 8433 0 0
LOWES COMPANIES INC 548661107 197 4850 SH DEFINED 4850 0 0
LUBRIZOL CORP COM 549271104 60 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 18 12303 SH SOLE 12303 0 0
LUCENT TECHNOLOGY INC 549463107 74 50653 SH DEFINED 46537 1116 3000
MBIA, INC 55262C100 711 18425 SH SOLE 18025 0 400
MBIA, INC 55262C100 228 5925 SH DEFINED 4725 0 1200
MBNA CORPORATION 55262L100 0 48 SH SOLE 48 0 0
MBNA CORPORATION 55262L100 37 2491 SH DEFINED 2491 0 0
MFS CHARTER INCOME TRUST 552727109 12 1500 SH DEFINED 1500 0 0
MACK-CALI REALTY CORP 554489104 12 400 SH SOLE 400 0 0
SMITH BARNEY MANAGED MUNICIPALS PORTFOLIO,INC. 561662107 21 2000 DEFINED 2000 0 0
MANUGISTICS GROUP 565011103 0 200 SH DEFINED 200 0 0
MARATHON OIL CORP 565849106 28 1200 SH DEFINED 1200 0 0
MARSHALL & ILSLEY CORP 571834100 480 18800 SH SOLE 18100 0 700
MARSHALL & ILSLEY CORP 571834100 297 11625 SH DEFINED 11225 0 400
MCCLATCHY COMPANY 579489105 337 6300 SH SOLE 6300 0 0
MCCLATCHY COMPANY 579489105 238 4450 SH DEFINED 4450 0 0
MCCORMICK & CO INC COMMON NON-VOTING 579780206 531 22030 SH SOLE 21930 0 100
MCCORMICK & CO INC COMMON NON-VOTING 579780206 486 20150 SH DEFINED 19350 200 600
MCDONALDS CORP COM 580135101 108 7500 SH SOLE 7500 0 0
MCDONALDS CORP COM 580135101 43 3000 SH DEFINED 3000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- --------------- --------- --------- ------- --- ---- ------- -------- ------ ------ ----
MCGRAW HILL COMPANIES INC 580645109 351 6320 SH SOLE 6320 0 0
MCGRAW HILL COMPANIES INC 580645109 93 1680 SH DEFINED 1680 0 0
MCKESSON CORPORATION 58155Q103 3 148 SH DEFINED 148 0 0
MEADWESTVACO CORP 583334107 84 3700 SH DEFINED 3700 0 0
MEDAREX INC 583916101 1 400 SH DEFINED 400 0 0
MEDTRONIC INC 585055106 22 500 SH SOLE 100 0 400
MEDTRONIC INC 585055106 204 4540 SH DEFINED 4540 0 0
MELLON FINANCIAL CORP COM 58551A108 21 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 13 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 1640 29950 SH SOLE 28950 0 1000
MERCK & CO INC COM 589331107 4345 79350 SH DEFINED 77150 1500 700
MERCURY INTERACTIVE CORP 589405109 8 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 1 50 SH SOLE 50 0 0
MERRILL LYNCH & CO INC 590188108 92 2600 SH DEFINED 2600 0 0
METLIFE INC 59156R108 79 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 1743 72050 SH SOLE 68650 0 3400
MICROSOFT CORP 594918104 1694 70028 SH DEFINED 65578 2500 1950
MIDDLESEX WATER CO COM 596680108 76 3451 SH SOLE 3451 0 0
MIDDLESEX WATER CO COM 596680108 66 3000 SH DEFINED 3000 0 0
MIDWAY GAMES INC 598148104 3 1000 SH DEFINED 1000 0 0
MILLENNIUM PHARMACEUTICALS 599902103 2 296 SH DEFINED 296 0 0
MIPS TECHNOLOGIES INC 604567206 0 27 SH DEFINED 27 0 0
MIRANT CORP 604675108 0 318 SH SOLE 318 0 0
MIRANT CORP 604675108 4 2923 SH DEFINED 2923 0 0
ROBERT MONDAVI 609200100 2 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 0 12 SH SOLE 12 0 0
MONSANTO CO NEW 61166W101 15 956 SH DEFINED 956 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 63 1650 SH SOLE 1650 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 136 3566 SH DEFINED 3484 82 0
MOTOROLA,INC 620076109 4 500 SH SOLE 500 0 0
MOTOROLA,INC 620076109 112 13656 SH DEFINED 10956 300 2400
MUNIYIELD NJ INSURED FUND INC. COMMON 625921101 45 2915 SOLE 2915 0 0
MUNIHOLDING NY INSD FUND INC 625931100 17 1253 SH DEFINED 1253 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ----- ------- ----
MUNIHOLDINGS NEW JERSEY INS D FUND INC 625936109 50 3509 SOLE 3509 0 0
MUNIHOLDINGS NEW JERSEY INS D FUND INC 625936109 11 778 DEFINED 778 0 0
MUNIYIELD INSD FUND INC 62630E107 13 950 DEFINED 950 0 0
MURPHY OIL CORPORATION 626717102 88 2000 SH DEFINED 2000 0 0
MYLAN LABORATORUES INC 628530107 28 1000 SH DEFINED 1000 0 0
NCE PETRO FUND I TR UNIT 62885E406 7 1000 SH SOLE 1000 0 0
NCR CORP NEW 62886E108 5 297 SH DEFINED 297 0 0
NL INDS INC COM NEW 629156407 3 220 SH SOLE 220 0 0
NUI HOLDING CORP 629431107 7 500 SH DEFINED 500 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 2 100 SH DEFINED 100 0 0
NATIONAL CITY CORP 635405103 33 1200 SH DEFINED 0 1200 0
NATIONAL FUEL GAS CO N J COM 636180101 74 3392 SH DEFINED 3392 0 0
NATIONWIDE FINANCIAL SERVIC ES CLASS A 638612101 2 112 SH DEFINED 112 0 0
NAUTILUS GROUP INC 63910B102 14 1000 SH DEFINED 1000 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NEUROGEN CORP 64124E106 3 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES CORPORATION 646025106 39 1200 SH SOLE 1200 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 29 1500 SH DEFINED 400 1100 0
NEWMONT MINING CORP 651639106 2 79 SH SOLE 79 0 0
NISOURCE INC COM 65473P105 9 500 SH SOLE 500 0 0
NISOURCE INC COM 65473P105 78 4300 SH DEFINED 4300 0 0
NOKIA CORPORATION ADR 654902204 140 10030 SH SOLE 10030 0 0
NOKIA CORPORATION ADR 654902204 60 4350 SH DEFINED 3750 0 600
NORAM ENERGY CORP SUB DEB CONV 6% 3/15/12 655419AC3 18 25000 PRN DEFINED 25000 0 0
NORFOLK SOUTHERN CORP COM 655844108 114 6159 SH SOLE 6159 0 0
NORFOLK SOUTHERN CORP COM 655844108 93 5060 SH DEFINED 4700 360 0
NORSK HYDRO ADR 656531605 84 2222 SH DEFINED 2222 0 0
NORTEL NETWORKS CORP NEW 656568102 0 100 SH SOLE 100 0 0
NORTEL NETWORKS CORP NEW 656568102 2 1100 SH DEFINED 100 0 1000
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 48 1275 SH SOLE 1275 0 0
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 290 7600 SH DEFINED 7600 0 0
NORTHERN TRUST CORP 665859104 152 5000 SH SOLE 5000 0 0
NORTHERN TRUST CORP 665859104 12 400 SH DEFINED 400 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ----- ------- ----
NORTHROP GRUMMAN CORP 666807102 17 200 SH SOLE 200 0 0
NORTHROP GRUMMAN CORP 666807102 121 1414 SH DEFINED 1414 0 0
NORTHWESTERN CORPORATION 668074107 17 8300 SH SOLE 8300 0 0
NOVARTIS AG ADRS 66987V109 18 500 SH DEFINED 500 0 0
NOVELL INC 670006105 21 10000 SH DEFINED 10000 0 0
NSTAR COM 67019E107 16 405 SH SOLE 405 0 0
NSTAR COM 67019E107 33 840 SH DEFINED 840 0 0
NUVEEN PERFORMANCE PLUS MUNICIPAL FUND 67062P108 21 1500 SOLE 1500 0 0
NUVEEN QUALITY PFD INCOME FUND II 67072C105 6 400 SH DEFINED 400 0 0
OGE ENERGY CO. 670837103 7 400 SH DEFINED 400 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 156 10174 SOLE 10174 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 107 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY FUND INC 670984103 89 5670 SOLE 5670 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY FUND INC 670984103 50 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED MUNICIPAL INCOME FUND 670987106 26 1650 DEFINED 1650 0 0
ONEOK INC NEW COM 682680103 73 4000 SH DEFINED 4000 0 0
OPENWAVE SYS INC COM 683718100 0 300 SH DEFINED 300 0 0
ORACLE CORPORATION 68389X105 80 7400 SH SOLE 7400 0 0
ORACLE CORPORATION 68389X105 223 20620 SH DEFINED 17020 0 3600
OPPENHEIMER MULTI-SECTOR INCOME FUND 683933105 13 1700 SH SOLE 1700 0 0
PG&E CORP COM 69331C108 5 404 SH SOLE 404 0 0
PG&E CORP COM 69331C108 5 400 SH DEFINED 400 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 279 6603 SH SOLE 6603 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 49 1175 SH DEFINED 1175 0 0
PPG INDS INC COM 693506107 9 200 SH SOLE 200 0 0
PPL CORP 69351T106 7 200 SH SOLE 200 0 0
PPL CORP 69351T106 42 1200 SH DEFINED 1000 200 0
PACCAR INC COM 693718108 41 825 SH DEFINED 825 0 0
PACIFIC ENERGY PARTNERS LP 69422R105 118 5650 SH DEFINED 5650 0 0
PACTIV CORP COM 695257105 2 100 SH SOLE 100 0 0
PALM INC 696642206 0 100 SH DEFINED 100 0 0
PARAGON TECHNOLOGIES INC 69912T108 8 1000 SH SOLE 1000 0 0
PARAGON TECHNOLOGIES INC 69912T108 21 2500 SH DEFINED 2500 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------ ------- -----
PARK PL ENTMT CORP COM 700690100 7 1000 SH DEFINED 1000 0 0
PAYCHEX INC COM 704326107 82 3000 SH DEFINED 3000 0 0
PAYLESS SHOESOURCE,INC. 704379106 3 200 SH DEFINED 200 0 0
PEAPACK-GLADSTONE FINANCIAL CORPORATION 704699107 6981 278796 SH SOLE 275160 0 3636
PEAPACK-GLADSTONE FINANCIAL CORPORATION 704699107 14717 587766 SH DEFINED 571112 16654 0
PENN VA CORP COM 707882106 18 480 SH SOLE 480 0 0
PENN VA RESOURCE PARTNERS LP 707884102 137 5750 SH DEFINED 5750 0 0
J.C.PENNEY CO.,INC. 708160106 102 5200 SH DEFINED 5000 200 0
PEOPLES ENERGY CORPORATION 711030106 89 2500 SH DEFINED 2500 0 0
PEPCO HOLDINGS INC COM 713291102 12 703 SH SOLE 703 0 0
PEPCO HOLDINGS INC COM 713291102 87 5023 SH DEFINED 5023 0 0
PEPSICO INC COM 713448108 376 9400 SH SOLE 8800 0 600
PEPSICO INC COM 713448108 279 6991 SH DEFINED 6991 0 0
PEREGRINE PHARMACEUTICALS INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 41 4628 SH DEFINED 4628 0 0
PFIZER INC COM 717081103 2106 67612 SH SOLE 66212 0 1400
PFIZER INC COM 717081103 2534 81372 SH DEFINED 76649 3373 1350
PHARMACIA CORP 71713U102 275 6375 SH SOLE 6375 0 0
PHARMACIA CORP 71713U102 297 6881 SH DEFINED 6181 0 700
THE PHOENIX COMPANIES,INC. 71902E109 31 4395 SH SOLE 966 0 3429
PIMCO STRATEGIC GLOBAL GOVERNMENT FUND COMMON 72200X104 35 3098 SH DEFINED 3098 0 0
PITNEY BOWES INC COM 724479100 12 400 SH SOLE 400 0 0
PITNEY BOWES INC COM 724479100 202 6350 SH DEFINED 6350 0 0
PLUM CREEK TIMBER CO INC COM 729251108 35 1649 SH DEFINED 1649 0 0
POTLATCH CORP COM 737628107 58 3000 SH DEFINED 3000 0 0
PROCTER & GAMBLE CO COM 742718109 1629 18301 SH SOLE 18001 0 300
PROCTER & GAMBLE CO COM 742718109 2162 24282 SH DEFINED 22217 1065 1000
PROGRESS ENERGY INC COM 743263105 7 200 SH SOLE 200 0 0
PROLOGIS TRUST 743410102 50 2000 SH DEFINED 2000 0 0
PRUDENTIAL FINANCIAL INC 744320102 103 3549 SH SOLE 2811 0 738
PRUDENTIAL FINANCIAL INC 744320102 2 72 SH DEFINED 72 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 478 13055 SH SOLE 13055 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 692 18867 SH DEFINED 17367 1500 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------ ------- ----
PULTE HOMES INC 745867101 25 500 SH DEFINED 500 0 0
PUTNAM HIGH YIELD MUNICIPAL TRUST 746781103 34 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 7 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 29 800 SH DEFINED 800 0 0
QUALCOMM INC 747525103 25 700 SH SOLE 700 0 0
QUALCOMM INC 747525103 48 1350 SH DEFINED 1350 0 0
QUESTAR CORP 748356102 20 700 SH DEFINED 700 0 0
QUIXOTE CORP 749056107 23 1500 SH DEFINED 1500 0 0
QWEST COMMUNICATIONS INT'L 749121109 4 1360 SH SOLE 1360 0 0
QWEST COMMUNICATIONS INT'L 749121109 13 3922 SH DEFINED 3317 605 0
RPM INTERNATIONAL INC 749685103 4 400 SH SOLE 400 0 0
RSA SEC INC 749719100 1 187 SH SOLE 187 0 0
RF MICRO-DEVICES 749941100 4 800 SH DEFINED 800 0 0
RAMTRON INTL CORP COM NEW 751907304 0 282 SH DEFINED 282 0 0
RAYTHEON CO 755111507 93 3300 SH SOLE 3300 0 0
RAYTHEON CO 755111507 182 6419 SH DEFINED 6419 0 0
READERS DIGEST ASSN.CLASS A NON VOTING 755267101 10 1000 SH DEFINED 1000 0 0
REALTY INCOME CORP COM 756109104 7 200 SH DEFINED 200 0 0
RED HAT INC COM 756577102 0 30 SH DEFINED 30 0 0
RELIANT RES INC 75952B105 3 867 SH DEFINED 867 0 0
ROCKWELL AUTOMATION INC 773903109 40 1966 SH DEFINED 1966 0 0
ROCKWELL COLLINS INC 774341101 36 1966 SH DEFINED 1966 0 0
ROGERS COMMUNICATION INC. CL.B NON VOTING 775109200 89 8400 SH SOLE 8400 0 0
ROHN INDUSTRIES INC 775381106 1 10000 SH DEFINED 10000 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 20 500 SH SOLE 500 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 675 16572 SH DEFINED 16572 0 0
RUBY TUESDAY INC. 781182100 13 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 812 40539 SH SOLE 40539 0 0
SBC COMMUNICATIONS INC 78387G103 1438 71754 SH DEFINED 64278 5476 2000
SLM CORP 78442P106 388 3500 SH SOLE 3500 0 0
SLM CORP 78442P106 110 1000 SH DEFINED 1000 0 0
STANDARD & POORS DEPOSITORY RECEIPTS 78462F103 47 560 SH DEFINED 560 0 0
SAFEWAY INC 786514208 2 112 SH SOLE 112 0 0
SAFEWAY INC 786514208 3 200 SH DEFINED 200 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------ ------- -----
THE ST. PAUL COMPANIES, INC COM 792860108 3 100 SH DEFINED 100 0 0
THE SALOMON BROTHERS FUND INC 795477108 10 1175 SH DEFINED 1175 0 0
SANCHEZ COMPUTER ASSOCIATES 799702105 0 200 SH DEFINED 200 0 0
SANMINA-SCI CORP 800907107 2 500 SH DEFINED 500 0 0
SANGSTAT MEDICAL CORP 801003104 25 2550 SH SOLE 2550 0 0
SARA LEE CORP COM 803111103 164 8800 SH SOLE 8800 0 0
SARA LEE CORP COM 803111103 41 2200 SH DEFINED 2200 0 0
SCANA CORP NEW 80589M102 107 3600 SH DEFINED 3600 0 0
SCANSOFT INC 80603P107 4 1000 SH DEFINED 1000 0 0
HENRY SCHEIN, INC COM 806407102 4 100 SH SOLE 100 0 0
SCHERING PLOUGH CORP COM 806605101 60 3370 SH SOLE 3370 0 0
SCHERING PLOUGH CORP COM 806605101 155 8700 SH DEFINED 7300 1400 0
SCHLUMBERGER LTD COM 806857108 529 13925 SH SOLE 13425 0 500
SCHLUMBERGER LTD COM 806857108 289 7631 SH DEFINED 7531 100 0
SCIENTIFIC-ATLANTA INC 808655104 20 1500 SH DEFINED 0 0 1500
SEA CONTAINERS LTD CLASS A COMMON 811371707 0 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 46 1169 SH DEFINED 1169 0 0
SEALED AIR CORP NEW PFD CONV SER A $2 81211K209 26 570 SH SOLE 570 0 0
SEALED AIR CORP NEW PFD CONV SER A $2 81211K209 61 1340 SH DEFINED 1340 0 0
SEARS ROEBUCK & CO COM 812387108 2 100 SH SOLE 100 0 0
SECTOR SPDR TR TECHNOLOGY 81369Y803 20 1400 SH SOLE 1400 0 0
SELECTIVE INS. GROUP INC. 816300107 593 24200 SH SOLE 24200 0 0
SEMPRA ENERGY COM 816851109 3 150 SH SOLE 150 0 0
SEMPRA ENERGY COM 816851109 39 1600 SH DEFINED 1600 0 0
SEPRACOR INC 817315104 8 640 SH SOLE 640 0 0
SHAW GROUP INC 820280105 10 1000 SH SOLE 1000 0 0
SHAW GROUP INC 820280105 37 3700 SH DEFINED 3700 0 0
SIEBEL SYSTEMS 826170102 0 100 SH SOLE 100 0 0
SIEBEL SYSTEMS 826170102 16 2100 SH DEFINED 2100 0 0
SIEMENS AG SPONSORED ADR 826197501 17 425 SH SOLE 425 0 0
SIGMA-ALDRICH CORP 826552101 4 100 SH SOLE 100 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SIMON PPTY GROUP INC NEW COM 828806109 34 950 SH SOLE 950 0 0
SIMON PPTY GROUP INC NEW COM 828806109 42 1200 SH DEFINED 1200 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------ ------- -----
SKYWORKS SOLUTIONS 83088M102 4 689 SH DEFINED 689 0 0
J. M. SMUCKER CO 832696405 2 82 SH SOLE 82 0 0
J. M. SMUCKER CO 832696405 60 1716 SH DEFINED 1516 0 200
SOLECTRON CORP 834182107 0 250 SH DEFINED 250 0 0
SOLUTIA INC COM 834376105 11 7300 SH SOLE 7300 0 0
SOMERA COMMUNICATIONS 834458101 0 1000 SH DEFINED 1000 0 0
SONIC CORP 835451105 25 1000 SH SOLE 1000 0 0
SONIC CORP 835451105 22 900 SH DEFINED 0 900 0
SONOCO PRODUCTS 835495102 15 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH NEW EA REPR 1 JAPANESE 835699307 21 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES,INC 838518108 5 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 116 4092 SH SOLE 4092 0 0
SOUTHERN CO COM 842587107 336 11825 SH DEFINED 11825 0 0
SPRINT CORPORATION 852061100 35 3000 SH DEFINED 3000 0 0
SPRINT CORP PCS SER 1 852061506 4 1100 SH DEFINED 1100 0 0
STARBUCKS CORPORATION 855244109 950 36900 SH SOLE 36200 0 700
STARBUCKS CORPORATION 855244109 557 21670 SH DEFINED 17300 2795 1575
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 16 704 SH SOLE 704 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 20 857 SH DEFINED 857 0 0
STATE STREET CORP COM 857477103 75 2400 SH DEFINED 2400 0 0
STRATTEC SECURITY CORPORATION 863111100 0 20 SH SOLE 20 0 0
STRYKER CORP 863667101 6 100 SH DEFINED 100 0 0
STURM RUGER & CO. 864159108 17 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 83 3000 SH SOLE 3000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 180 6500 SH DEFINED 500 6000 0
SUN MICROSYSTEMS INC COM 866810104 131 40575 SH SOLE 35325 0 5250
SUN MICROSYSTEMS INC COM 866810104 171 52836 SH DEFINED 50436 0 2400
SUNOCO INC 86764P109 4 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 110 3009 SH DEFINED 3009 0 0
SUNTRUST BANKS INC 867914103 15 300 SH DEFINED 300 0 0
SUPERGEN INC COM 868059106 111 40000 SH DEFINED 40000 0 0
SYBASE INC. 871130100 6 500 SH SOLE 500 0 0
SYNGENTA AG 87160A100 1 200 SH SOLE 200 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------ ------- -----
TECO ENERGY INC COM 872375100 108 10200 SH SOLE 10200 0 0
TECO ENERGY INC COM 872375100 41 3900 SH DEFINED 3900 0 0
TEPPCO PARTNERS LP 872384102 82 2600 SH DEFINED 2600 0 0
TJX COMPANIES 872540109 35 2000 SH DEFINED 2000 0 0
TXU CORP 873168108 23 1300 SH DEFINED 1300 0 0
TARGET CORPORATION 87612E106 332 11359 SH SOLE 11359 0 0
TARGET CORPORATION 87612E106 685 23423 SH DEFINED 21773 1650 0
TEKTRONIX INC 879131100 85 5000 SH SOLE 5000 0 0
TELECOM CORP OF NEW ZEALAND LT SPON ADR 879278208 7 400 SH DEFINED 400 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 11 400 SH DEFINED 400 0 0
TEMPLE INLAND INC 879868107 45 1218 SH DEFINED 1218 0 0
TENET HEALTHCARE CORPORATION 88033G100 3 181 SH DEFINED 181 0 0
TERAYON COMMUNICATION 880775101 0 200 SH DEFINED 200 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 787 18900 SH SOLE 18300 0 600
TEVA PHARMACEUTICAL INDS ADR 881624209 739 17750 SH DEFINED 16550 0 1200
TEXAS INSTRUMENTS 882508104 471 28806 SH SOLE 28406 0 400
TEXAS INSTRUMENTS 882508104 766 46880 SH DEFINED 44630 750 1500
THERMO ELECTRON CORP COM 883556102 41 2272 SH DEFINED 2272 0 0
THESTREET COM INC 88368Q103 0 100 SH DEFINED 100 0 0
THOMAS & BETTS CORPORATION 884315102 5 400 SH DEFINED 400 0 0
THORNBURG MORTGAGE INC 885218107 61 3000 SH SOLE 3000 0 0
3M CO COM 88579Y101 44 340 SH SOLE 340 0 0
3M CO COM 88579Y101 850 6541 SH DEFINED 6541 0 0
TIMKEN CO 887389104 62 4000 SH DEFINED 4000 0 0
TORCHMARK CORP. 891027104 85 2400 SH DEFINED 2400 0 0
TOYS "R" US INC 892335100 2 300 SH SOLE 300 0 0
TRANSCANADA PIPELINES LTD 893526103 2 152 SH SOLE 152 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 2 172 SH SOLE 172 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 24 1729 SH DEFINED 1721 8 0
TRAVELERS PPTY CAS CORP CLASS B NEW 89420G406 5 372 SH SOLE 372 0 0
TRAVELERS PPTY CAS CORP CLASS B NEW 89420G406 50 3565 SH DEFINED 3548 17 0
TREDEGAR INDUSTRIES INC 894650100 2 240 SH SOLE 240 0 0
TRI-CONTINENTAL CORPORATION 895436103 9 739 SH DEFINED 739 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------ ------- -----
TRIBUNE CO NEW COM 896047107 39 875 SH SOLE 875 0 0
TRIBUNE CO NEW COM 896047107 55 1227 SH DEFINED 1227 0 0
TUPPERWARE CORP COM 899896104 1 100 SH DEFINED 100 0 0
TYCO INTL LTD NEW COM 902124106 80 6250 SH SOLE 6250 0 0
TYCO INTL LTD NEW COM 902124106 46 3619 SH DEFINED 3619 0 0
UGI CORPORATION 902681105 274 6000 SH SOLE 6000 0 0
UGI CORPORATION 902681105 335 7350 SH DEFINED 7350 0 0
UST INC COM 902911106 33 1200 SH SOLE 1200 0 0
US BANCORP DEL COM 902973304 54 2865 SH SOLE 2865 0 0
UNILIVER NV NY SHARE F NEW 904784709 23 400 SH DEFINED 400 0 0
UNION PACIFIC CORP COM 907818108 156 2850 SH SOLE 2850 0 0
UNION PACIFIC CORP COM 907818108 242 4408 SH DEFINED 1950 0 2458
UNITED NATIONAL BANCORP NJ 910909100 233 9950 SH SOLE 9950 0 0
UNITED NATIONAL BANCORP NJ 910909100 202 8620 SH DEFINED 6203 2417 0
UNITED PARCEL SERVICE 911312106 171 3015 SH DEFINED 3015 0 0
UNITED TECHNOLOGIES CORP COM 913017109 312 5407 SH SOLE 5407 0 0
UNITED TECHNOLOGIES CORP COM 913017109 990 17146 SH DEFINED 16846 300 0
UNITEDHEALTH GROUP INC 91324P102 11 121 SH DEFINED 121 0 0
VALLEY NATIONAL BANCORP. 919794107 3 125 SH SOLE 125 0 0
VALLEY NATIONAL BANCORP. 919794107 90 3659 SH DEFINED 3659 0 0
VAN KAMPEN TRUST MUNICIPALS 920929106 9 600 SH SOLE 600 0 0
VERIZON CORPORATION 92343V104 1188 33634 SH SOLE 33584 0 50
VERIZON CORPORATION 92343V104 3128 88513 SH DEFINED 80569 4958 2986
VERITAS SOFTWARE CORP 923436109 8 500 SH SOLE 500 0 0
VERITAS SOFTWARE CORP 923436109 48 2747 SH DEFINED 2747 0 0
VERMONT TEDDY BEAR INC 92427X109 0 50 SH SOLE 50 0 0
VIACOM INC COM CLASS A 925524100 36 1000 SH DEFINED 1000 0 0
VIACOM INC. CLASS B COMMON 925524308 4 120 SH SOLE 120 0 0
VIACOM INC. CLASS B COMMON 925524308 58 1607 SH DEFINED 1607 0 0
VIASYS HEALTHCARE INC 92553Q209 2 165 SH DEFINED 165 0 0
VISTEON CORP 92839U107 1 314 SH DEFINED 314 0 0
VODAFONE GROUP PLC 92857W100 170 9390 SH SOLE 9390 0 0
VODAFONE GROUP PLC 92857W100 564 30987 SH DEFINED 27971 1016 2000
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------ ------- -----
VULCAN MATERIALS COMPANY COM 929160109 36 1200 SH DEFINED 1200 0 0
WGL HOLDINGS INC 92924F106 142 5400 SH DEFINED 4400 0 1000
WMS INDUSTRIES INC 929297109 6 500 SH DEFINED 500 0 0
WACHOVIA CORP 2ND NEW COM 929903102 2637 77449 SH SOLE 77449 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1192 35017 SH DEFINED 34693 324 0
WAL-MART STORES INC 931142103 476 9155 SH SOLE 9155 0 0
WAL-MART STORES INC 931142103 732 14075 SH DEFINED 14075 0 0
WALGREEN CO 931422109 41 1400 SH SOLE 1400 0 0
WALGREEN CO 931422109 2 100 SH DEFINED 100 0 0
WASHINGTON MUTUAL INC 939322103 3 100 SH SOLE 100 0 0
WASHINGTON MUTUAL INC 939322103 45 1300 SH DEFINED 1300 0 0
WASHINGTON TRUST BANCORP INC 940610108 63 3163 SH DEFINED 3163 0 0
WASTE MANAGEMENT INC 94106L109 4 200 SH SOLE 200 0 0
WASTE MANAGEMENT INC 94106L109 3 145 SH DEFINED 145 0 0
WELLS FARGO & CO NEW COM 949746101 901 20031 SH SOLE 20031 0 0
WELLS FARGO & CO NEW COM 949746101 765 17010 SH DEFINED 14325 1975 710
WESTAR ENERGY INC 95709T100 2 200 SH SOLE 200 0 0
WESTERN GAS RESOURCES INC 958259103 32 1000 SH DEFINED 1000 0 0
WEYERHAEUSER CO COM 962166104 17 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 47 1000 SH DEFINED 1000 0 0
WHIRLPOOL CORP COM 963320106 14 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 22 400 SH SOLE 400 0 0
WHOLE FOOD MARKET INC 966837106 16 300 SH DEFINED 300 0 0
WILLIAMS COS INC DEL COM 969457100 1 300 SH SOLE 300 0 0
WILLIAMS COS INC DEL COM 969457100 22 5000 SH DEFINED 5000 0 0
WILLIAMS SONOMA INC COM 969904101 104 4800 SH DEFINED 4800 0 0
WIND RIVER SYSTEMS 973149107 4 1500 SH SOLE 1500 0 0
WIND RIVER SYSTEMS 973149107 0 100 SH DEFINED 100 0 0
WISCONSIN ENERGY CORP COM 976657106 103 4089 SH DEFINED 4089 0 0
WRIGLEY WM JR CO 982526105 11 200 SH SOLE 200 0 0
WYETH INC. 983024100 818 21638 SH SOLE 21638 0 0
WYETH INC. 983024100 1565 41404 SH DEFINED 39804 1400 200
XM SATELLITE RADIO HOLDINGS INC 983759101 0 150 SH DEFINED 150 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------- -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
XILINX INC 983919101 74 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 19 2200 SH DEFINED 2200 0 0
YUM BRANDS INC 988498101 25 1050 SH DEFINED 1050 0 0
ZIMMER HOLDINGS GROUP 98956P102 32 670 SH SOLE 320 0 350
ZIMMER HOLDINGS GROUP 98956P102 445 9161 SH DEFINED 9021 90 50
ZORAN CORP 98975F101 33 2600 SH SOLE 2600 0 0
ZWEIG TOTAL RETURN FD INC 989837109 6 1139 SH SOLE 1139 0 0
ZWEIG TOTAL RETURN FD INC 989837109 10 1812 SH DEFINED 1812 0 0
GRAND TOTALS 214552 7202606 6875968 166660 159978