UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 9/30/03
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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 10/24/03
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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: 7,450,621
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Form 13F Information Table Value Total: 264,440
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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 29 848 SH DEFINED 848 0 0
FOSTER WHEELER LTD G36535105 0 200 SH DEFINED 200 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 100 1875 SH SOLE 1875 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 355 6650 SH DEFINED 6650 0 0
NABORS INDUSTRIES LTD COM G6359F103 9 250 SH SOLE 250 0 0
TRANSOCEAN INC G90078109 18 941 SH DEFINED 941 0 0
GILAT SATELLITE NETWORKS LTD M51474118 0 120 SH SOLE 120 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 39 2800 SH SOLE 2800 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 244 17200 SH DEFINED 16500 0 700
AFLAC INCORPORATED 001055102 38 1200 SH DEFINED 1200 0 0
AGCO CORPORATION 001084102 71 4175 SH DEFINED 4175 0 0
AES CORPORATION 00130H105 6 933 SH SOLE 933 0 0
AES CORPORATION 00130H105 7 1000 SH DEFINED 1000 0 0
AOL TIME WARNER INC 00184A105 257 17075 SH SOLE 17075 0 0
AOL TIME WARNER INC 00184A105 462 30613 SH DEFINED 27313 0 3300
AT&T CORP NEW 001957505 15 719 SH SOLE 719 0 0
AT&T CORP NEW 001957505 57 2675 SH DEFINED 2616 59 0
AT&T WIRELESS SERVICES INC 00209A106 29 3586 SH SOLE 3586 0 0
AT&T WIRELESS SERVICES INC 00209A106 67 8282 SH DEFINED 7768 193 321
AVI BIOPHARMA INC 002346104 51 10000 SH DEFINED 10000 0 0
AASTROM BIOSCIENCES 00253U107 4 3500 SH DEFINED 3500 0 0
ABBOTT LABS COM 002824100 361 8497 SH SOLE 8497 0 0
ABBOTT LABS COM 002824100 996 23430 SH DEFINED 20930 2500 0
ABERCROMBIE & FITCH 002896207 11 400 SH DEFINED 400 0 0
ABBEY NATIONAL PLC 7.375% PFD 002920700 32 1200 SH SOLE 1200 0 0
ADAMS EXPRESS COMPANY 006212104 12 1085 SH DEFINED 1085 0 0
ADOBE SYSTEMS INCORPORATED 00724F101 643 16335 SH SOLE 16335 0 0
ADOBE SYSTEMS INCORPORATED 00724F101 181 4600 SH DEFINED 4600 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 9 SH SOLE 9 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 51 SH DEFINED 19 0 32
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
AGERE SYSTEMS INC CLASS B 00845V209 0 59 SH SOLE 59 0 0
AGERE SYSTEMS INC CLASS B 00845V209 5 1798 SH DEFINED 1005 0 793
AGILENT TECHNOLOGIES 00846U101 39 1797 SH DEFINED 1188 381 228
AIR PRODUCTS & CHEMICALS INC 009158106 498 11058 SH SOLE 10133 0 925
AIR PRODUCTS & CHEMICALS INC 009158106 391 8675 SH DEFINED 7875 800 0
AIRTRAN HOLDINGS INC COM 00949P108 1 100 SH DEFINED 100 0 0
ALBEMARLE CORP 012653101 21 800 SH SOLE 800 0 0
ALCOA INC COM 013817101 146 5600 SH SOLE 5600 0 0
ALCOA INC COM 013817101 75 2900 SH DEFINED 2900 0 0
ALIGN TECHNOLOGY INC 016255101 12 1000 SH DEFINED 1000 0 0
ALLERGAN INC COM 018490102 8 108 SH SOLE 108 0 0
ALLERGAN INC COM 018490102 11 150 SH DEFINED 150 0 0
ALLETE INC 018522102 10 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL MANAGEMENT HOLDING LP 01855A101 24 725 SH DEFINED 725 0 0
ALLIANCE RESOURCE PARTNERS L P 01877R108 29 1000 SH DEFINED 1000 0 0
ALLIANT ENERGY CORP COM 018802108 63 2900 SH SOLE 2900 0 0
ALLIANT ENERGY CORP COM 018802108 23 1066 SH DEFINED 1066 0 0
ALLIED CAPITAL CORP NEW 01903Q108 49 2000 SH SOLE 2000 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 7 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 4 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 62 1706 SH SOLE 1706 0 0
ALLSTATE CORP COM 020002101 43 1184 SH DEFINED 1184 0 0
ALLTELL CORPORATION 020039103 699 15100 SH SOLE 15100 0 0
ALLTELL CORPORATION 020039103 113 2458 SH DEFINED 2458 0 0
ALTRIA GROUP INC 02209S103 96 2200 SH SOLE 2200 0 0
ALTRIA GROUP INC 02209S103 459 10500 SH DEFINED 10000 0 500
AMBAC FINANCIAL GROUP INC 023139108 121 1900 SH DEFINED 1900 0 0
AMEREN CORP COM 023608102 115 2700 SH DEFINED 2700 0 0
AMERICA MOVIL ADS 02364W105 9 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 171 5720 SH SOLE 5720 0 0
AMERICAN ELEC PWR INC COM 025537101 156 5208 SH DEFINED 5126 82 0
AMERICAN EXPRESS CO COM 025816109 119 2660 SH SOLE 2660 0 0
AMERICAN EXPRESS CO COM 025816109 421 9350 SH DEFINED 9350 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 INTERNATIONAL GROUP 026874107 1397 24225 SH SOLE 23825 0 400
AMERICAN INTERNATIONAL GROUP 026874107 2466 42752 SH DEFINED 39127 2750 875
AMERICAN STANDARD COMPANIES INC 029712106 42 500 SH DEFINED 500 0 0
AMERICAN TOWER CORP CLASS A 029912201 12 1260 SH DEFINED 1260 0 0
AMETEK INC (NEW) 031100100 137 3200 SH SOLE 3200 0 0
AMETEK INC (NEW) 031100100 12 280 SH DEFINED 280 0 0
AMGEN INC 031162100 731 11333 SH SOLE 11333 0 0
AMGEN INC 031162100 169 2620 SH DEFINED 2620 0 0
AMSOUTH BANCORPORATION 032165102 35 1687 SH DEFINED 1687 0 0
ANADARKO PETE CORP COM 032511107 30 735 SH SOLE 735 0 0
ANADARKO PETE CORP COM 032511107 740 17734 SH DEFINED 16350 0 1384
ANALOG DEVICES INC 032654105 2 75 SH SOLE 75 0 0
ANGLOGOLD LIMITED ADR'S PV R0.50 035128206 49 1300 SH DEFINED 300 1000 0
ANHEUSER BUSCH COS INC COM 035229103 819 16602 SH SOLE 15002 0 1600
ANHEUSER BUSCH COS INC COM 035229103 1284 26040 SH DEFINED 24565 1125 350
ANTIGENICS INC DEL 037032109 1 89 SH DEFINED 0 0 89
APACHE CORPORATION 037411105 138 2000 SH SOLE 2000 0 0
APOLLO GROUP INC CL A 037604105 26 400 SH DEFINED 0 0 400
APPLEBEE'S INTL INC 037899101 885 28130 SH SOLE 27530 0 600
APPLEBEE'S INTL INC 037899101 406 12925 SH DEFINED 10975 600 1350
APPLERA CORP COM CELERA GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0
APPLIED MATERIALS INC 038222105 63 3500 SH DEFINED 3500 0 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 3 300 SH SOLE 300 0 0
ARM HOLDINGS PLC ADR 042068106 36 7500 SH SOLE 7500 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 145 3348 SH SOLE 3348 0 0
ATMEL CORPORATION 049513104 2 600 SH DEFINED 600 0 0
AURORA FOODS INC 05164B106 0 1501 SH SOLE 1501 0 0
AUTHENTIDATE HOLDING CORP 052666104 5 1000 SH SOLE 1000 0 0
AUTOMATIC DATA PROCESSING 053015103 457 12760 SH SOLE 12760 0 0
AUTOMATIC DATA PROCESSING 053015103 620 17310 SH DEFINED 15710 1600 0
AVAYA INC COM USD .01 053499109 4 400 SH SOLE 400 0 0
AVAYA INC COM USD .01 053499109 25 2354 SH DEFINED 2354 0 0
AVERY DENNISON CORP 053611109 17 350 SH DEFINED 350 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
AVON PRODUCTS 054303102 32 500 SH DEFINED 500 0 0
AXA ADR 054536107 10 590 SH DEFINED 590 0 0
BB&T CORP 054937107 16 472 SH SOLE 472 0 0
BASF AG ADR 055262505 18 417 SH SOLE 417 0 0
BCE INC COM 05534B109 2 100 SH SOLE 100 0 0
BOC GROUP PLC ADR 055617609 13 500 SH DEFINED 500 0 0
BP PLC 055622104 869 20654 SH SOLE 20554 0 100
BP PLC 055622104 1501 35685 SH DEFINED 34061 1624 0
BAKER HUGHES INCORPORATED COMMON 057224107 5 175 SH SOLE 175 0 0
BALLARD POWER SYSTEMS INC 05858H104 6 500 SH DEFINED 500 0 0
BANK AMERICA CORP COM 060505104 1733 22211 SH SOLE 21661 0 550
BANK AMERICA CORP COM 060505104 1030 13202 SH DEFINED 12027 1175 0
BANK OF NEW YORK INC 064057102 829 28500 SH SOLE 28500 0 0
BANK OF NEW YORK INC 064057102 298 10268 SH DEFINED 10268 0 0
BK NOVA SCOTIA LA BANQUE DE NOUVELLE ECOSSE 064149107 4 107 SH SOLE 107 0 0
BANC ONE CORP COM 06423A103 101 2615 SH DEFINED 2615 0 0
BAUSCH & LOMB INC COM 071707103 44 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 40 1400 SH SOLE 1400 0 0
BAXTER INTERNATIONAL 071813109 29 1000 SH DEFINED 1000 0 0
BAY VIEW CAPITAL CORP 07262L101 12 2000 SH DEFINED 2000 0 0
BECTON DICKINSON & COMPANY 075887109 46 1300 SH DEFINED 1300 0 0
BED BATH & BEYOND 075896100 38 1000 SH DEFINED 1000 0 0
BEDFORD PROPERTY INVESTORS INC 076446301 2 100 SH DEFINED 100 0 0
BELLSOUTH CORP COM 079860102 145 6135 SH SOLE 6135 0 0
BELLSOUTH CORP COM 079860102 899 37987 SH DEFINED 33590 3997 400
BEMA GOLD CORPORATION 08135F107 12 5000 SH DEFINED 0 5000 0
BEST BUY COMPANY INC 086516101 734 15450 SH SOLE 15450 0 0
BEST BUY COMPANY INC 086516101 241 5072 SH DEFINED 4922 150 0
BIOVAIL CORPORATION 09067J109 1434 38635 SH SOLE 37735 0 900
BIOVAIL CORPORATION 09067J109 1305 35145 SH DEFINED 32375 1695 1075
BLACK & DECKER CORP COM 091797100 16 400 SH DEFINED 400 0 0
BLACKROCK MUNICIPAL INCOME TRUST 09248F109 5 400 SH DEFINED 400 0 0
BLACKROCK STRATEGIC MUNICIPAL TRUST 09248T109 5 400 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
BLOCK H & R INC COM 093671105 34 800 SH DEFINED 800 0 0
BOEING CO COM 097023105 142 4165 SH SOLE 4165 0 0
BOEING CO COM 097023105 6 200 SH DEFINED 200 0 0
BOSTON PROPERTIES INC. 101121101 10 250 SH SOLE 250 0 0
BOSTON SCIENTIFIC CORP. 101137107 57 900 SH DEFINED 900 0 0
BRIGGS & STRATTON CORPORATION 109043109 1 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 963 37567 SH SOLE 34917 0 2650
BRISTOL-MYERS SQUIBB 110122108 2415 94169 SH DEFINED 92269 900 1000
BROADCOM CORPORATION COM 111320107 7 300 SH DEFINED 0 0 300
BROWN FORMAN DISTILLERS CORPCLASS 'A' VOTING 115637100 48 600 SH DEFINED 600 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 561 14050 SH SOLE 14050 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 568 14230 SH DEFINED 13730 500 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 22 777 SH SOLE 777 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 113 3949 SH DEFINED 2829 1120 0
BURLINGTON RESOURCES 122014103 48 1000 SH DEFINED 1000 0 0
CRACKER BARREL GROUP INC 12489V106 29 825 SH SOLE 825 0 0
CSX CORP COM 126408103 11 400 SH SOLE 400 0 0
CSX CORP COM 126408103 35 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 245 7900 SH SOLE 7900 0 0
CVS CORP COM 126650100 560 18065 SH DEFINED 15215 2850 0
CABLE & WIRELESS 126830207 20 3600 SH SOLE 3600 0 0
CAL DIVE INTL INC 127914109 13 700 SH DEFINED 700 0 0
CALIPER TECHNOLOGIES CORP 130876105 13 2200 SH SOLE 2200 0 0
CALPINE CORP 131347106 9 2000 SH DEFINED 2000 0 0
CAMPBELL SOUP CO COM 134429109 53 2000 SH DEFINED 2000 0 0
CAPITAL ONE FINANCIAL 14040H105 2387 41855 SH SOLE 40705 0 1150
CAPITAL ONE FINANCIAL 14040H105 1075 18850 SH DEFINED 17425 350 1075
CARDINAL HEALTH 14149Y108 1115 19110 SH SOLE 18435 0 675
CARDINAL HEALTH 14149Y108 614 10520 SH DEFINED 9020 1500 0
CAREER EDUCATION CORP 141665109 1263 27885 SH SOLE 27085 0 800
CAREER EDUCATION CORP 141665109 754 16650 SH DEFINED 15350 300 1000
CARMAX INC 143130102 32 1000 SH SOLE 1000 0 0
CATERPILLAR INC 149123101 185 2700 SH DEFINED 2700 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
CENDANT CORPORATION 151313103 3 200 SH DEFINED 200 0 0
CENTER BANCORP INC COM 151408101 142 8864 SH DEFINED 8864 0 0
CENTERPOINT ENERGY INC 15189T107 10 1100 SH DEFINED 1100 0 0
CERTEGY INC 156880106 10 325 SH DEFINED 325 0 0
CHESAPEAKE ENERGY CORP 165167107 21 2000 SH DEFINED 2000 0 0
CHEVRONTEXACO CORP 166764100 1413 19784 SH SOLE 18384 0 1400
CHEVRONTEXACO CORP 166764100 1463 20488 SH DEFINED 19288 1100 100
CHINA MOBILE HONG KONG LTD ADR 16941M109 59 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 827 12755 SH SOLE 12755 0 0
THE CHUBB CORPORATION 171232101 883 13625 SH DEFINED 13525 100 0
CHURCH & DWIGHT INC COM 171340102 69 2000 SH DEFINED 2000 0 0
CIENA CORPORATION 171779101 1 300 SH DEFINED 300 0 0
CIGNA INVESTMENT SECURITIES,INC. 17179X106 36 2191 SH DEFINED 2191 0 0
CIMAREX ENERGY CO 171798101 39 2000 SH DEFINED 2000 0 0
CINERGY CORP 172474108 9 250 SH DEFINED 250 0 0
CISCO SYS INC 17275R102 1622 82837 SH SOLE 82837 0 0
CISCO SYS INC 17275R102 1412 72094 SH DEFINED 70694 0 1400
CITIGROUP INC 172967101 1900 41768 SH SOLE 39318 0 2450
CITIGROUP INC 172967101 3757 82586 SH DEFINED 82156 430 0
CITRIX SYSTEMS INC 177376100 2 100 SH DEFINED 100 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 1833 47875 SH SOLE 47875 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 1059 27675 SH DEFINED 26375 800 500
CLOROX CO DEL COM 189054109 4 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 111 2607 SH SOLE 2607 0 0
COCA COLA CO COM 191216100 519 12100 SH DEFINED 11600 500 0
COGNIZANT TECHNOLOGY CO 192446102 43 1194 SH DEFINED 1194 0 0
COLGATE PALMOLIVE CO COM 194162103 1851 33126 SH SOLE 33026 0 100
COLGATE PALMOLIVE CO COM 194162103 2198 39347 SH DEFINED 38997 350 0
COMCAST CORP NEW CLASS A 20030N101 54 1775 SH SOLE 1775 0 0
COMCAST CORP NEW CLASS A 20030N101 206 6694 SH DEFINED 5637 734 323
COMERICA INC. CO 200340107 17 375 SH DEFINED 375 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
COMPASS BANCSHARES INC COM 20449H109 8 250 SH SOLE 250 0 0
CONAGRA FOODS INC COM 205887102 16 800 SH DEFINED 800 0 0
CONOCOPHILLIPS CORP 20825C104 32 593 SH SOLE 593 0 0
CONOCOPHILLIPS CORP 20825C104 608 11112 SH DEFINED 10112 0 1000
CONSOLIDATED EDISON COM 209115104 197 4842 SH SOLE 4842 0 0
CONSOLIDATED EDISON COM 209115104 59 1448 SH DEFINED 648 800 0
CONSTELLATION BRANDS INC CL A 21036P108 758 24870 SH SOLE 24670 0 200
CONSTELLATION BRANDS INC CL A 21036P108 1080 35450 SH DEFINED 32950 450 2050
CONSTELLATION ENERGY GROUP INC COM 210371100 85 2400 SH DEFINED 2400 0 0
CONTINENTAL AIRLINES INC CL B 210795308 9 600 SH DEFINED 600 0 0
CORINTHIAN COLLEGES INC 218868107 551 9650 SH SOLE 9650 0 0
CORINTHIAN COLLEGES INC 218868107 179 3150 SH DEFINED 3000 150 0
CORN PRODS INTL INC COM 219023108 19 600 SH DEFINED 600 0 0
CORNING INC 219350105 44 4700 SH SOLE 4700 0 0
CORNING INC 219350105 255 27086 SH DEFINED 26186 0 900
CORPORATE HIGH YIELD FUND III INC 219925104 16 2000 SH DEFINED 2000 0 0
CORRECTIONS CORP AMER NEW 22025Y407 2 100 SH DEFINED 100 0 0
COSTCO WHOLESALE CORPORATION 22160K105 1518 48775 SH SOLE 48775 0 0
COSTCO WHOLESALE CORPORATION 22160K105 835 26830 SH DEFINED 24630 1400 800
COX COMMUNICATIONS INC NEW CL A 224044107 19 604 SH DEFINED 604 0 0
CROSS TIMBERS REALT TRUST UNIT COM 22757R109 0 14 SH DEFINED 14 0 0
CUBIST PHARMACEUTICAL INC 229678107 3 300 SH DEFINED 300 0 0
CUMMINS ENGINE INC 231021106 222 5000 SH DEFINED 5000 0 0
CYTEC INDUSTRIES INC 232820100 0 10 SH SOLE 10 0 0
DNP SELECT INCOME FUND INC COM 23325P104 22 2160 SH DEFINED 2160 0 0
DTE ENERGY CO COM 233331107 65 1775 SH SOLE 1775 0 0
DTE ENERGY CO COM 233331107 116 3154 SH DEFINED 3154 0 0
DANAHER CORP 235851102 7 100 SH SOLE 100 0 0
DARDEN RESTAURANTS 237194105 25 1340 SH DEFINED 1340 0 0
DATATEC SYSTEMS INC 238128102 0 500 SH DEFINED 500 0 0
DECODE GENETICS INC 243586104 2 619 SH DEFINED 619 0 0
DEERE & COMPANY 244199105 517 9700 SH DEFINED 9200 0 500
DEL MONTE FOODS CO 24522P103 3 365 SH DEFINED 365 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
DELPHI CORPORATION CORP 247126105 1 116 SH SOLE 116 0 0
DELPHI CORPORATION CORP 247126105 3 359 SH DEFINED 359 0 0
DELTIC TIMBER CORP 247850100 144 5000 SH DEFINED 5000 0 0
DELUXE CORP COM 248019101 4 100 SH DEFINED 100 0 0
DEPOMED INC 249908104 12 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 27 300 SH DEFINED 300 0 0
DIEBOLD INC 253651103 50 1000 SH SOLE 1000 0 0
DIEBOLD INC 253651103 222 4400 SH DEFINED 4400 0 0
DISNEY WALT CO COM DISNEY 254687106 62 3100 SH SOLE 3100 0 0
DISNEY WALT CO COM DISNEY 254687106 408 20241 SH DEFINED 18218 2023 0
DOLLAR TREE STORES INC 256747106 6 200 SH DEFINED 200 0 0
DOMINION RES INC 25746U109 51 839 SH SOLE 839 0 0
DOMINION RES INC 25746U109 459 7417 SH DEFINED 6521 896 0
DONALDSON INC 257651109 613 11375 SH SOLE 11375 0 0
DONALDSON INC 257651109 223 4150 SH DEFINED 4150 0 0
DOVER CORPORATION 260003108 117 3315 SH SOLE 3315 0 0
DOW CHEM CO COM 260543103 296 9109 SH SOLE 9109 0 0
DOW CHEM CO COM 260543103 430 13222 SH DEFINED 10822 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 674 16872 SH SOLE 16872 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 915 22890 SH DEFINED 21690 0 1200
DUKE ENERGY CORP COM 264399106 373 20964 SH SOLE 20964 0 0
DUKE ENERGY CORP COM 264399106 298 16777 SH DEFINED 15233 1544 0
DUKE REALTY CORP 264411505 5 200 SH DEFINED 200 0 0
DYAX CORPORATION 26746E103 18 3000 SH SOLE 3000 0 0
E M C CORPORATION 268648102 89 7125 SH SOLE 7125 0 0
E M C CORPORATION 268648102 86 6860 SH DEFINED 6860 0 0
EMS TECHNOLOGIES INC 26873N108 5 300 SH DEFINED 300 0 0
EOG RES INC 26875P101 104 2500 SH DEFINED 2500 0 0
EP MEDSYSTEMS INC 26881P103 3 1000 SH SOLE 1000 0 0
EP MEDSYSTEMS INC 26881P103 3 1000 SH DEFINED 1000 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 7 800 SH DEFINED 800 0 0
EASTMAN CHEMICAL COMPANY 277432100 3 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 7 351 SH SOLE 351 0 0
EASTMAN KODAK CO COM 277461109 10 500 SH DEFINED 0 0 500
EASYLINK SERVICES CORP CLASS A 27784T200 0 150 SH DEFINED 150 0 0
EATON VANCE CORP 278265103 33 1000 SH SOLE 1000 0 0
EATON VANCE INSD MUNICIPAL BOND FUND 27827X101 4 350 DEFINED 350 0 0
EBAY INC 278642103 2 50 SH SOLE 50 0 0
EBAY INC 278642103 107 2000 SH DEFINED 0 0 2000
EDISON SCHOOLS INC 281033100 18 10600 SH DEFINED 10600 0 0
EL PASO CORPORATION 28336L109 0 75 SH SOLE 75 0 0
EL PASO CORPORATION 28336L109 18 2500 SH DEFINED 2500 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 23 1187 SH SOLE 1187 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 2 100 SH DEFINED 0 100 0
EMERSON ELEC CO COM 291011104 197 3750 SH SOLE 3750 0 0
EMERSON ELEC CO COM 291011104 621 11808 SH DEFINED 11808 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 122 2500 SH SOLE 2500 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 266 5450 SH DEFINED 4650 800 0
ENERGEN CORP COM 29265N108 43 1200 SH DEFINED 1200 0 0
ENERGY EAST CORP COM 29266M109 133 5950 SH DEFINED 5950 0 0
ENGELHARD CORP COM 292845104 69 2530 SH DEFINED 2530 0 0
ENTERGY CORP NEW COM 29364G103 135 2500 SH DEFINED 2500 0 0
ENTREMED INC COM 29382F103 5 1200 SH DEFINED 900 0 300
EQUIFAX, INC. 294429105 14 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 41 1000 SH DEFINED 1000 0 0
EQUITY INCOME FUND EXCHANGE SER.AT&T SHS 1ST 294700703 41 576 SH DEFINED 576 0 0
EQUITY OFFICE PPTYS TR COM 294741103 5 190 SH SOLE 190 0 0
EQUITY OFFICE PPTYS TR COM 294741103 27 1000 SH DEFINED 1000 0 0
EQUITY RESIDENTIAL SBI 29476L107 36 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL SBI 29476L107 5 200 SH DEFINED 200 0 0
ETHYL CORP 297659609 4 320 SH SOLE 320 0 0
EXATECH INC 30064E109 16 1000 SH DEFINED 1000 0 0
EXELON CORP COM 30161N101 9 154 SH SOLE 154 0 0
EXELON CORP COM 30161N101 37 594 SH DEFINED 594 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
EXXON MOBIL CORP COM 30231G102 4490 122737 SH SOLE 119737 0 3000
EXXON MOBIL CORP COM 30231G102 10398 284195 SH DEFINED 255267 17344 11584
F&C CLAYMORE PFD SECURITIES INCOME FUND 30236V104 0 17 SH SOLE 17 0 0
FPL GROUP INC COM 302571104 331 5250 SH SOLE 5250 0 0
FPL GROUP INC COM 302571104 391 6200 SH DEFINED 6200 0 0
FAMILY DEALER STORES INC 307000109 2 70 SH SOLE 70 0 0
FEDERAL HOME LOAN MORTGAGE CORPORATION COMMON 313400301 4 90 SH SOLE 90 0 0
FEDERAL NATL MTG ASSN (D/B/A FANNIE MAE) COM313586109 642 9150 SH SOLE 9150 0 0
FEDERAL NATL MTG ASSN (D/B/A FANNIE MAE) COM313586109 353 5040 SH DEFINED 3090 1950 0
FEDERAL REALTY INVESTMENT TRUST 313747206 15 423 SH DEFINED 423 0 0
FEDEX CORPORATION 31428X106 32 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 11 200 SH SOLE 200 0 0
FIFTH THIRD BANCORP COM 316773100 8 150 SH DEFINED 150 0 0
FIRST DATA CORPORATION 319963104 884 22128 SH SOLE 22128 0 0
FIRST DATA CORPORATION 319963104 207 5200 SH DEFINED 3075 2125 0
FIRSTENERGY CORP COM 337932107 22 700 SH DEFINED 700 0 0
FLAMEL TECHNOLOGIES SA SPONSORED ADR 338488109 50 1500 SH DEFINED 1500 0 0
FLEETBOSTON FINANCIAL CORP COM 339030108 1272 42214 SH DEFINED 42114 100 0
FLOWER FOODS INC 343498101 25 1125 SH DEFINED 1125 0 0
FORD MOTOR CO DEL 345370860 2 200 SH SOLE 200 0 0
FORD MOTOR CO DEL 345370860 82 7696 SH DEFINED 6648 1048 0
FOREST LABORATORIES INC 345838106 1034 20100 SH SOLE 19300 0 800
FOREST LABORATORIES INC 345838106 581 11300 SH DEFINED 11100 200 0
FORTUNE BRANDS INC COM 349631101 159 2808 SH SOLE 2808 0 0
FORTUNE BRANDS INC COM 349631101 102 1800 SH DEFINED 900 900 0
FRANKLIN RESOURCES INC 354613101 66 1500 SH SOLE 1500 0 0
GABLES RESIDENTIAL TRUST 362418105 32 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 34 928 SH SOLE 928 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 87 2337 SH DEFINED 2337 0 0
GAP INC 364760108 2 150 SH SOLE 150 0 0
GENAERA CORPORATION 36867G100 4 1000 SH DEFINED 1000 0 0
GENENTECH INC 368710406 565 7060 SH SOLE 7060 0 0
GENENTECH INC 368710406 647 8075 SH DEFINED 7775 0 300
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GENERAL ELEC CO COM 369604103 6131 205754 SH SOLE 202804 0 2950
GENERAL ELEC CO COM 369604103 8874 297816 SH DEFINED 267182 27434 3200
GENERAL GROWTH PPTYS INC 370021107 14 200 SH DEFINED 200 0 0
GENERAL MTRS CORP COM 370442105 551 13482 SH SOLE 11732 0 1750
GENERAL MTRS CORP COM 370442105 541 13234 SH DEFINED 11984 1250 0
GENERAL MOTORS CLASS H NEW 370442832 7 516 SH SOLE 516 0 0
GENERAL MOTORS CLASS H NEW 370442832 124 8699 SH DEFINED 8699 0 0
GENVEC INC 37246C109 1 500 SH DEFINED 500 0 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 101 4193 SH DEFINED 4193 0 0
GILLETTE COMPANY 375766102 215 6733 SH SOLE 6733 0 0
GILLETTE COMPANY 375766102 121 3800 SH DEFINED 3800 0 0
GLAMIS GOLD LTD COMMON 376775102 13 1000 SH DEFINED 0 1000 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 257 6062 SH SOLE 6062 0 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 212 5012 SH DEFINED 5012 0 0
GOLDCORP INC 380956409 13 1000 SH DEFINED 0 1000 0
GOLDEN STAR RESOURCES LTD 38119T104 12 3000 SH DEFINED 0 3000 0
GOLDMAN SACHS GROUP 38141G104 125 1500 SH SOLE 1500 0 0
GOLDMAN SACHS GROUP 38141G104 185 2210 SH DEFINED 2210 0 0
GULFTERRA ENERGY PARTNERS LP 40274U108 6 150 SH DEFINED 150 0 0
HRPT PPTYS TR COMM SH BEN INT 40426W101 82 9000 SH DEFINED 9000 0 0
HSBC HOLDINGS ADR 404280406 13 206 SH SOLE 206 0 0
HSBC HOLDINGS ADR 404280406 52 802 SH DEFINED 802 0 0
HAIN CELESTIAL GROUP INC 405217100 11 650 SH DEFINED 650 0 0
HALLIBURTON CO COM 406216101 21 896 SH SOLE 896 0 0
HALLIBURTON CO COM 406216101 222 9182 SH DEFINED 9182 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 34 1014 SH DEFINED 1014 0 0
HANDSPRING INC 410293104 0 200 SH SOLE 200 0 0
HARBOR FLA BANCSHARES 411901101 13 502 SH DEFINED 502 0 0
HARLEY DAVIDSON 412822108 14 300 SH SOLE 300 0 0
HARLEY DAVIDSON 412822108 212 4400 SH DEFINED 4400 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
HARMONY GOLD MINING ADR 413216300 14 1000 SH DEFINED 0 1000 0
HARTFORD FINL SVCS GROUP INC COM 416515104 84 1612 SH SOLE 1612 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 58 1112 SH DEFINED 1112 0 0
HAWAIIAN ELECTRIC INDUSTRIES INC 419870100 21 500 SH SOLE 500 0 0
H.J. HEINZ COMPANY 423074103 5 150 SH SOLE 150 0 0
H.J. HEINZ COMPANY 423074103 30 900 SH DEFINED 900 0 0
HERSHEY FOODS CORP COM 427866108 2 35 SH SOLE 35 0 0
HERSHEY FOODS CORP COM 427866108 218 3000 SH DEFINED 2400 0 600
HEWLETT PACKARD CO COM 428236103 14 752 SH SOLE 752 0 0
HEWLETT PACKARD CO COM 428236103 240 12406 SH DEFINED 9206 2000 1200
HIBERNIA CORP 428656102 6 300 SH SOLE 300 0 0
HITACHI LTD ADR 433578507 1 30 SH SOLE 30 0 0
HOME DEPOT, INC 437076102 1724 54154 SH SOLE 51454 0 2700
HOME DEPOT, INC 437076102 2267 71201 SH DEFINED 69001 1050 1150
HONEYWELL INTERNATIONAL INC COM 438516106 123 4698 SH SOLE 4698 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 143 5458 SH DEFINED 5458 0 0
HOST MARRIOTT CORPORATION 44107P104 32 3074 SH DEFINED 3074 0 0
HUDSON CITY BANCORP 443683107 67 2200 SH DEFINED 2200 0 0
HUDSON UNITED BANCORP 444165104 17 500 SH DEFINED 500 0 0
HYPERION TOTAL RETURN FUND INC 449145101 31 3150 SH SOLE 3150 0 0
IMS HEALTH INCORPORATED 449934108 55 2632 SH DEFINED 2632 0 0
ITT INDUSTRIES INC COM 450911102 40 682 SH SOLE 682 0 0
ITT INDUSTRIES INC COM 450911102 33 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 37 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 7 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 102 4000 SH DEFINED 4000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 30 463 SH DEFINED 361 102 0
IMAGISTICS INTERNATIONAL IN C 45247T104 13 460 SH DEFINED 460 0 0
INDYMAC BANCORP INC 456607100 23 1000 SH DEFINED 1000 0 0
INNKEEPERS USA TRUST 4576J0104 17 2000 SH DEFINED 2000 0 0
INTEL CORP COM 458140100 1194 43397 SH SOLE 41997 0 1400
INTEL CORP COM 458140100 1723 62630 SH DEFINED 60530 2100 0
INTERMEDIATE MUNICIPAL FUND INC 45880P104 20 2000 DEFINED 2000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
INTL BUSINESS MACHINE CORP COMMON 459200101 2477 28052 SH SOLE 26852 0 1200
INTL BUSINESS MACHINE CORP COMMON 459200101 5226 59176 SH DEFINED 56576 1000 1600
INTL PAPER CO COM 460146103 183 4697 SH DEFINED 4697 0 0
INTERNET HOLDERS TRUST 46059W102 4 100 SH SOLE 100 0 0
INTEVAC INC 461148108 33 3300 SH DEFINED 0 3300 0
INTUIT 461202103 4 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 39 683 SH DEFINED 683 0 0
IVAX CORP 465823102 3 187 SH DEFINED 187 0 0
J P MORGAN CHASE & CO 46625H100 175 5124 SH SOLE 5124 0 0
J P MORGAN CHASE & CO 46625H100 1591 46385 SH DEFINED 44905 1480 0
JABIL CIRCUIT INC 466313103 3 150 SH SOLE 150 0 0
JABIL CIRCUIT INC 466313103 6 250 SH DEFINED 250 0 0
JEFFERSON PILOT CORPORATION 475070108 30 683 SH SOLE 683 0 0
JEFFERSON PILOT CORPORATION 475070108 45 1035 SH DEFINED 1035 0 0
JETBLUE AIRWAYS 477143101 12 200 SH DEFINED 200 0 0
JOHNSON & JOHNSON COM 478160104 2839 57337 SH SOLE 55737 0 1600
JOHNSON & JOHNSON COM 478160104 7597 153419 SH DEFINED 144894 5975 2550
JOHNSON CTLS INC COM 478366107 170 1800 SH DEFINED 1800 0 0
JUNIPER NETWORKS 48203R104 1 100 SH SOLE 100 0 0
KADANT INC 48282T104 10 558 SH DEFINED 558 0 0
KANEB PIPE LINE PARTNERS LP 484169107 259 5600 SH DEFINED 5600 0 0
KEMET CORP 488360108 12 1000 SH DEFINED 1000 0 0
KERR MCGEE CORP 492386107 2 50 SH SOLE 50 0 0
KERR MCGEE CORP 492386107 0 18 SH DEFINED 18 0 0
KEYSPAN CORP COM 49337W100 47 1341 SH DEFINED 1341 0 0
KEYSTONE PROPERTY TRUST MD 493596100 32 1600 SH DEFINED 1600 0 0
KIMBERLY-CLARK CORPORATION 494368103 246 4800 SH SOLE 4800 0 0
KIMBERLY-CLARK CORPORATION 494368103 509 9935 SH DEFINED 9935 0 0
KIMCO REALITY CORPORATION 49446R109 217 5300 SH SOLE 5300 0 0
KIMCO REALITY CORPORATION 49446R109 362 8850 SH DEFINED 7500 1350 0
KINDER MORGAN ENERGY PARTNERS L P 494550106 226 5300 SH DEFINED 5300 0 0
KING PHARMACEUTICALS INC 495582108 30 2000 SH SOLE 2000 0 0
KNIGHT-RIDDER INC 499040103 1034 15509 SH SOLE 14059 0 1450
KNIGHT-RIDDER INC 499040103 1033 15500 SH DEFINED 13475 1150 875
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
KONINKLIJKE PHILIPS ELECTRS N V SP ADR 500472303 6 291 SH DEFINED 291 0 0
KRAFT FOODS INC 50075N104 14 500 SH DEFINED 500 0 0
KRAMONT REALTY TRUST COM 50075Q107 13 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 7 200 SH DEFINED 200 0 0
KROGER COMPANY COM 501044101 21 1200 SH SOLE 1200 0 0
KROGER COMPANY COM 501044101 50 2800 SH DEFINED 2800 0 0
KROLL INC 501049100 18 1000 SH SOLE 1000 0 0
L-3 COMMUNICATIONS HLDGS INC 502424104 689 15948 SH SOLE 15848 0 100
L-3 COMMUNICATIONS HLDGS INC 502424104 888 20550 SH DEFINED 18475 1050 1025
LA-Z-BOY INC 505336107 42 1900 SH SOLE 1900 0 0
LA-Z-BOY INC 505336107 19 900 SH DEFINED 900 0 0
LEHMAN BROTHERS HOLDINGS INC 524908100 6 100 SH SOLE 100 0 0
LENNAR CORP 526057104 77 1000 SH DEFINED 1000 0 0
LENNAR CORPORATION CLASS B COMMON 526057302 7 100 SH DEFINED 100 0 0
LIFECELL CORP 531927101 29 5000 SH DEFINED 5000 0 0
LILLY ELI & CO COM 532457108 35 597 SH SOLE 597 0 0
LILLY ELI & CO COM 532457108 534 8996 SH DEFINED 8596 0 400
LOCKHEED MARTIN CORP 539830109 390 8468 SH SOLE 8468 0 0
LOCKHEED MARTIN CORP 539830109 64 1400 SH DEFINED 1400 0 0
LOWES COMPANIES INC 548661107 819 15793 SH SOLE 15793 0 0
LOWES COMPANIES INC 548661107 402 7750 SH DEFINED 7550 200 0
LUBRIZOL CORP COM 549271104 64 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 17 8191 SH SOLE 8191 0 0
LUCENT TECHNOLOGY INC 549463107 83 39067 SH DEFINED 37177 1890 0
MBIA, INC 55262C100 1998 36360 SH SOLE 35960 0 400
MBIA, INC 55262C100 959 17450 SH DEFINED 15750 300 1400
MBNA CORPORATION 55262L100 9 423 SH SOLE 423 0 0
MBNA CORPORATION 55262L100 31 1400 SH DEFINED 1400 0 0
MFS CHARTER INCOME TRUST 552727109 13 1500 SH DEFINED 1500 0 0
MGI PHARMACEUTICALS 552880106 3 100 SH SOLE 100 0 0
MGI PHARMACEUTICALS 552880106 7 200 SH DEFINED 200 0 0
MACK-CALI REALTY CORP 554489104 15 400 SH SOLE 400 0 0
SMITH BARNEY MANAGED MUNICIPALS PORTFOLIO,INC. 561662107 21 2000 DEFINED 2000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MARATHON OIL CORP 565849106 34 1200 SH DEFINED 1200 0 0
MARSHALL & ILSLEY CORP 571834100 414 13150 SH SOLE 12450 0 700
MARSHALL & ILSLEY CORP 571834100 395 12550 SH DEFINED 12150 0 400
MAYTAG CORPORATION 578592107 12 500 SH SOLE 500 0 0
MAYTAG CORPORATION 578592107 10 425 SH DEFINED 425 0 0
MCCLATCHY COMPANY 579489105 559 9409 SH SOLE 9409 0 0
MCCLATCHY COMPANY 579489105 401 6750 SH DEFINED 6750 0 0
MCCORMICK & CO INC COMMON NON-VOTING 579780206 877 32005 SH SOLE 31105 0 900
MCCORMICK & CO INC COMMON NON-VOTING 579780206 842 30725 SH DEFINED 29825 300 600
MCDATA CORPORATION-CLASS A 580031201 0 29 SH DEFINED 29 0 0
MCDONALDS CORP COM 580135101 56 2400 SH DEFINED 2400 0 0
MCGRAW HILL COMPANIES INC 580645109 7 120 SH SOLE 120 0 0
MCGRAW HILL COMPANIES INC 580645109 104 1680 SH DEFINED 1680 0 0
MCKESSON CORPORATION 58155Q103 4 148 SH DEFINED 148 0 0
MEADWESTVACO CORP 583334107 68 2700 SH DEFINED 2700 0 0
MEDAREX INC 583916101 2 400 SH DEFINED 400 0 0
MEDTRONIC INC 585055106 18 395 SH SOLE 395 0 0
MEDTRONIC INC 585055106 189 4040 SH DEFINED 4040 0 0
MELLON FINANCIAL CORP COM 58551A108 30 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 16 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 1263 24973 SH SOLE 24973 0 0
MERCK & CO INC COM 589331107 4054 80114 SH DEFINED 77914 1500 700
MERCURY INTERACTIVE CORP 589405109 13 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 139 2600 SH DEFINED 2600 0 0
METLIFE INC 59156R108 84 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 2304 82943 SH SOLE 79543 0 3400
MICROSOFT CORP 594918104 2404 86528 SH DEFINED 80728 3850 1950
MIDDLESEX WATER CO COM 596680108 115 4726 SH DEFINED 4726 0 0
MILLENNIUM PHARMACEUTICALS 599902103 12 800 SH DEFINED 800 0 0
MIPS TECHNOLOGIES INC 604567206 0 27 SH DEFINED 27 0 0
MIRANT CORP 604675108 0 645 SH DEFINED 645 0 0
ROBERT MONDAVI 609200100 3 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 0 12 SH SOLE 12 0 0
MONSANTO CO NEW 61166W101 16 690 SH DEFINED 690 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MORGAN STANLEY DEAN WITTER & CO 617446448 68 1350 SH SOLE 1350 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 290 5766 SH DEFINED 5684 82 0
MOTOROLA,INC 620076109 5 500 SH SOLE 500 0 0
MOTOROLA,INC 620076109 159 13350 SH DEFINED 10650 300 2400
MUNIYIELD NJ INSURED FUND INC. COMMON 625921101 41 2915 SOLE 2915 0 0
MUNIHOLDING NY INSD FUND INC 625931100 17 1253 SH DEFINED 1253 0 0
MUNIHOLDINGS NEW JERSEY INS D FUND INC 625936109 50 3509 SOLE 3509 0 0
MURPHY OIL CORPORATION 626717102 117 2000 SH DEFINED 2000 0 0
MYLAN LABORATORUES INC 628530107 38 1000 SH DEFINED 1000 0 0
NCE PETRO FUND I TR UNIT 62885E406 35 3000 SH SOLE 3000 0 0
NCR CORP NEW 62886E108 9 297 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
NAM TAI ELECTRONICS 629865205 34 1275 SH SOLE 1275 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 3 100 SH DEFINED 100 0 0
NASTECH PHARMACETICAL 631728409 4 400 SH DEFINED 400 0 0
NATIONAL CITY CORP 635405103 35 1200 SH DEFINED 0 1200 0
NATIONAL FUEL GAS CO N J COM 636180101 77 3392 SH DEFINED 3392 0 0
NATIONAL WESTMINSTER BANK PLC PFD 638539700 7 300 SH DEFINED 300 0 0
NATIONWIDE FINANCIAL SERVICES CLASS A 638612101 3 112 SH DEFINED 112 0 0
NAUTILUS GROUP INC 63910B102 12 1000 SH DEFINED 1000 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NETWORK APPLIANCE INC 64120L104 7 350 SH SOLE 350 0 0
NEUROGEN CORP 64124E106 5 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES CORPORATION 646025106 43 1200 SH SOLE 1200 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 34 1500 SH DEFINED 400 1100 0
NEW YORK TIMES CO 650111107 152 3500 SH DEFINED 3500 0 0
NEWMONT MINING CORP 651639106 3 79 SH SOLE 79 0 0
NEWMONT MINING CORP 651639106 39 1000 SH DEFINED 0 1000 0
NEXTEL COMMUNICATIONS INC CL A 65332V103 20 1020 SH DEFINED 1020 0 0
NISOURCE INC COM 65473P105 9 500 SH SOLE 500 0 0
NISOURCE INC COM 65473P105 85 4300 SH DEFINED 4300 0 0
NOBEL LEARNING COMMUNITIES INC 654889104 21 4000 SH DEFINED 4000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
NOKIA CORPORATION ADR 654902204 151 9680 SH SOLE 9680 0 0
NOKIA CORPORATION ADR 654902204 55 3550 SH DEFINED 2950 0 600
NORAM ENERGY CORP SUB DEB CONV 6% 3/15/12 655419AC3 23 25000 PRN DEFINED 25000 0 0
NORFOLK SOUTHERN CORP COM 655844108 117 6354 SH SOLE 6354 0 0
NORFOLK SOUTHERN CORP COM 655844108 93 5060 SH DEFINED 4700 360 0
NORSK HYDRO ADR 656531605 114 2222 SH DEFINED 2222 0 0
NORTEL NETWORKS CORP NEW 656568102 4 1100 SH DEFINED 100 0 1000
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 55 1275 SH SOLE 1275 0 0
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 325 7500 SH DEFINED 7500 0 0
NORTHERN TRUST CORP 665859104 194 4600 SH SOLE 4600 0 0
NORTHROP GRUMMAN CORP 666807102 20 240 SH SOLE 240 0 0
NORTHROP GRUMMAN CORP 666807102 121 1414 SH DEFINED 1414 0 0
NOVARTIS AG ADRS 66987V109 6 155 SH SOLE 155 0 0
NOVARTIS AG ADRS 66987V109 19 500 SH DEFINED 500 0 0
NU HORIZON ELECTRONICS CORP 669908105 20 2362 SH DEFINED 2362 0 0
NSTAR COM 67019E107 19 405 SH SOLE 405 0 0
NUVEEN PERFORMANCE PLUS MUNICIPAL FUND 67062P108 22 1500 SOLE 1500 0 0
NUVEEN QUALITY PFD INCOME FUND II 67072C105 6 400 SH DEFINED 400 0 0
OGE ENERGY CO. 670837103 45 2000 SH SOLE 2000 0 0
OGE ENERGY CO. 670837103 9 400 SH DEFINED 400 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM670971100 133 8658 SOLE 8658 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM670971100 107 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY FUND INC 670984103 64 4070 SOLE 4070 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY FUND INC 670984103 50 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED MUNICIPAL INCOME FUND 670987106 25 1650 DEFINED 1650 0 0
NUVEEN NJ PREMIUM INCOME 67101N106 23 1493 SOLE 1493 0 0
OSI PHARMACEUTICALS INC. COM 671040103 10 334 SH DEFINED 334 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 17 500 SH DEFINED 500 0 0
OFFICEMAX INC 67622M108 17 1900 SH DEFINED 1900 0 0
ONEOK INC NEW COM 682680103 80 4000 SH DEFINED 4000 0 0
ORACLE CORPORATION 68389X105 532 47300 SH SOLE 47300 0 0
ORACLE CORPORATION 68389X105 265 23570 SH DEFINED 19970 0 3600
OPPENHEIMER MULTI-SECTOR INCOME FUND 683933105 13 1700 SH SOLE 1700 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PG&E CORP COM 69331C108 9 400 SH DEFINED 400 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 243 5116 SH SOLE 5116 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 48 1025 SH DEFINED 1025 0 0
PPG INDS INC COM 693506107 10 200 SH SOLE 200 0 0
PPG INDS INC COM 693506107 104 2000 SH DEFINED 2000 0 0
PPL CORP 69351T106 8 200 SH SOLE 200 0 0
PPL CORP 69351T106 24 600 SH DEFINED 400 200 0
PACCAR INC COM 693718108 61 825 SH DEFINED 825 0 0
PACIFIC ENERGY PARTNERS LP 69422R105 143 5650 SH DEFINED 5650 0 0
PACTIV CORP COM 695257105 2 100 SH SOLE 100 0 0
PALM INC 696642206 1 100 SH DEFINED 100 0 0
PARAGON TECHNOLOGIES INC 69912T108 10 1000 SH DEFINED 1000 0 0
PARK PL ENTMT CORP COM 700690100 9 1000 SH DEFINED 1000 0 0
PAYCHEX INC COM 704326107 102 3000 SH DEFINED 3000 0 0
PAYLESS SHOESOURCE,INC. 704379106 7 600 SH DEFINED 600 0 0
PEABODY ENERGY CORP 704549104 672 21450 SH SOLE 21450 0 0
PEABODY ENERGY CORP 704549104 352 11250 SH DEFINED 10750 0 500
PEAPACK-GLADSTONE FINANCIAL CORPORATION 704699107 6685 215256 SH SOLE 211620 0 3636
PEAPACK-GLADSTONE FINANCIAL CORPORATION 704699107 18977 610981 SH DEFINED 567541 43440 0
PENN VA CORP COM 707882106 21 480 SH SOLE 480 0 0
PENN VA RESOURCE PARTNERS LP 707884102 207 6950 SH DEFINED 6950 0 0
J.C.PENNEY CO.,INC. 708160106 111 5200 SH DEFINED 5000 200 0
PEOPLES ENERGY CORPORATION 711030106 49 1200 SH DEFINED 1200 0 0
PEOPLESOFT INC 712713106 1 100 SH SOLE 100 0 0
PEPCO HOLDINGS INC COM 713291102 86 5023 SH DEFINED 5023 0 0
PEPSICO INC COM 713448108 364 7945 SH SOLE 7945 0 0
PEPSICO INC COM 713448108 527 11505 SH DEFINED 11505 0 0
PEREGRINE PHARMACEUTICALS INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 70 4628 SH DEFINED 4628 0 0
PETROLEUM & RESOURCES CORPORATION 716549100 10 500 SH DEFINED 500 0 0
PFIZER INC COM 717081103 2472 81383 SH SOLE 79983 0 1400
PFIZER INC COM 717081103 2890 95161 SH DEFINED 89988 3823 1350
PHARMACEUTICAL RESOURCES 717125108 13 200 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 PHOENIX COMPANIES,INC. 71902E109 52 4553 SH SOLE 1124 0 3429
PIMCO MUNICIPAL INCOME FUND II 72200W106 55 4000 SH DEFINED 0 4000 0
PIMCO STRATEGIC GLOBAL GOVERNMENT FUND COMMON 72200X104 36 3098 SH DEFINED 3098 0 0
PITNEY BOWES INC COM 724479100 194 5075 SH DEFINED 5075 0 0
PLUM CREEK TIMBER CO INC COM 729251108 31 1249 SH DEFINED 1249 0 0
PREMCOR INC 74045Q104 46 2000 SH SOLE 2000 0 0
PROCTER & GAMBLE CO COM 742718109 2217 23885 SH SOLE 23385 0 500
PROCTER & GAMBLE CO COM 742718109 2741 29532 SH DEFINED 27317 1215 1000
PROGRESS ENERGY INC COM 743263105 8 200 SH SOLE 200 0 0
PROLOGIS TRUST 743410102 1288 42590 SH SOLE 42590 0 0
PROLOGIS TRUST 743410102 923 30545 SH DEFINED 28025 2520 0
PROTECTIVE LIFE CORP 743674103 17 596 SH SOLE 596 0 0
PRUDENTIAL FINANCIAL INC 744320102 65 1755 SH SOLE 1017 0 738
PRUDENTIAL FINANCIAL INC 744320102 0 20 SH DEFINED 20 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 571 13617 SH SOLE 13617 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 1122 26737 SH DEFINED 24236 2501 0
PUGET ENERGY INC NEW 745310102 5 258 SH DEFINED 258 0 0
PUTNAM HIGH YIELD MUNICIPAL TRUST 746781103 34 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 9 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 23 500 SH DEFINED 500 0 0
QUALCOMM INC 747525103 37 900 SH SOLE 900 0 0
QUALCOMM INC 747525103 56 1350 SH DEFINED 1350 0 0
QUEST DIAGNOSTICS INC COM 74834L100 779 12850 SH SOLE 12850 0 0
QUEST DIAGNOSTICS INC COM 74834L100 217 3585 SH DEFINED 3485 100 0
QUESTAR CORP 748356102 21 700 SH DEFINED 700 0 0
QUIXOTE CORP 749056107 37 1500 SH DEFINED 1500 0 0
QWEST COMMUNICATIONS INT'L 749121109 1 446 SH SOLE 446 0 0
QWEST COMMUNICATIONS INT'L 749121109 10 3231 SH DEFINED 2417 814 0
RSA SEC INC 749719100 2 187 SH SOLE 187 0 0
RF MICRO-DEVICES 749941100 7 800 SH DEFINED 800 0 0
RAINING DATA CORP 75087R108 2 1000 SH DEFINED 1000 0 0
RAMTRON INTL CORP COM NEW 751907304 0 282 SH DEFINED 282 0 0
RAYONIER INC COM 754907103 40 1000 SH DEFINED 1000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
RAYTHEON CO 755111507 36 1300 SH SOLE 1300 0 0
RAYTHEON CO 755111507 213 7619 SH DEFINED 7619 0 0
READERS DIGEST ASSN.CLASS A NON VOTING 755267101 13 1000 SH DEFINED 1000 0 0
RED HAT INC COM 756577102 0 30 SH DEFINED 30 0 0
RELIANT RES INC 75952B105 4 867 SH DEFINED 867 0 0
RJ REYNOLDS TOBACCO HOLDING INC 76182K105 7 200 SH DEFINED 200 0 0
ROGERS COMMUNICATION INC. CL.B NON VOTING 775109200 128 8400 SH SOLE 8400 0 0
ROYAL BANK OF SCOTLAND GROUP PLC SER D 780097606 8 300 SH DEFINED 300 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 22 500 SH SOLE 500 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 684 15492 SH DEFINED 15492 0 0
RUBY TUESDAY INC. 781182100 15 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 520 23413 SH SOLE 23413 0 0
SBC COMMUNICATIONS INC 78387G103 1630 73265 SH DEFINED 60542 10723 2000
SLM CORP 78442P106 423 10875 SH SOLE 10875 0 0
SLM CORP 78442P106 116 3000 SH DEFINED 3000 0 0
STANDARD & POORS DEPOSITORY RECEIPTS 78462F103 42 430 SH DEFINED 430 0 0
SAFEGUARD SCIENTIFIC INC.COM 786449108 6 2000 SH DEFINED 2000 0 0
SAFEWAY INC 786514208 7 312 SH DEFINED 200 112 0
THE ST. PAUL COMPANIES, INC COM 792860108 37 1000 SH DEFINED 1000 0 0
THE SALOMON BROTHERS FUND INC 795477108 12 1175 SH DEFINED 1175 0 0
SANCHEZ COMPUTER ASSOCIATES 799702105 3 1000 SH DEFINED 1000 0 0
SANMINA-SCI CORP 800907107 4 500 SH DEFINED 500 0 0
SANGSTAT MEDICAL CORP 801003104 57 2550 SH SOLE 2550 0 0
SARA LEE CORP COM 803111103 186 10179 SH SOLE 10179 0 0
SARA LEE CORP COM 803111103 29 1600 SH DEFINED 1600 0 0
SCANA CORP NEW 80589M102 123 3600 SH DEFINED 3600 0 0
SCHERING PLOUGH CORP COM 806605101 12 837 SH SOLE 837 0 0
SCHERING PLOUGH CORP COM 806605101 30 2000 SH DEFINED 2000 0 0
SCHLUMBERGER LTD COM 806857108 180 3725 SH SOLE 3225 0 500
SCHLUMBERGER LTD COM 806857108 446 9231 SH DEFINED 9231 0 0
SEA CONTAINERS LTD CLASS A COMMON 811371707 1 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 50 1069 SH DEFINED 1069 0 0
SEARS ROEBUCK & CO COM 812387108 4 100 SH SOLE 100 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SECTOR SPDR TR TECHNOLOGY 81369Y803 25 1400 SH SOLE 1400 0 0
SELECTIVE INS. GROUP INC. 816300107 363 12200 SH SOLE 12200 0 0
SEMPRA ENERGY COM 816851109 4 150 SH SOLE 150 0 0
SEMPRA ENERGY COM 816851109 46 1600 SH DEFINED 1600 0 0
SEPRACOR INC 817315104 17 640 SH SOLE 640 0 0
SHAW GROUP INC 820280105 4 400 SH SOLE 400 0 0
SHAW GROUP INC 820280105 13 1300 SH DEFINED 1300 0 0
SIEBEL SYSTEMS 826170102 0 100 SH SOLE 100 0 0
SIEMENS AG SPONSORED ADR 826197501 25 425 SH SOLE 425 0 0
SIGMA-ALDRICH CORP 826552101 5 100 SH SOLE 100 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SIMON PPTY GROUP INC NEW COM 828806109 662 15210 SH SOLE 15210 0 0
SIMON PPTY GROUP INC NEW COM 828806109 840 19280 SH DEFINED 18380 900 0
SMITHFIELD FOODS 832248108 2 150 SH SOLE 150 0 0
J. M. SMUCKER CO 832696405 2 64 SH SOLE 64 0 0
J. M. SMUCKER CO 832696405 72 1716 SH DEFINED 1516 0 200
SONIC CORP 835451105 131 5200 SH SOLE 5200 0 0
SONIC CORP 835451105 49 1950 SH DEFINED 1050 900 0
SONOCO PRODUCTS 835495102 16 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH NEW EA REPR 1 JAPANESE 835699307 20 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES,INC 838518108 6 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 102 3478 SH SOLE 3478 0 0
SOUTHERN CO COM 842587107 353 12039 SH DEFINED 11825 214 0
SPRINT CORPORATION 852061100 31 2076 SH DEFINED 2076 0 0
SPRINT CORP PCS SER 1 852061506 3 638 SH DEFINED 638 0 0
STARBUCKS CORPORATION 855244109 417 14500 SH SOLE 14500 0 0
STARBUCKS CORPORATION 855244109 431 15000 SH DEFINED 14700 300 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 24 704 SH SOLE 704 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 29 857 SH DEFINED 857 0 0
STRATTEC SECURITY CORPORATION 863111100 0 20 SH SOLE 20 0 0
STRYKER CORP 863667101 32 430 SH DEFINED 430 0 0
STURM RUGER & CO. 864159108 20 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 90 3000 SH SOLE 3000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 201 6700 SH DEFINED 700 6000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SUN MICROSYSTEMS INC COM 866810104 71 21750 SH SOLE 21750 0 0
SUN MICROSYSTEMS INC COM 866810104 98 29786 SH DEFINED 28186 0 1600
SUNGARD DATA SYSTEMS INC 867363103 6 250 SH SOLE 250 0 0
SUNOCO INC 86764P109 4 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 121 3009 SH DEFINED 3009 0 0
SUPERGEN INC COM 868059106 321 43000 SH DEFINED 43000 0 0
SYMANTEC 871503108 385 6100 SH SOLE 6100 0 0
SYMANTEC 871503108 180 2850 SH DEFINED 2750 100 0
SYNGENTA AG 87160A100 2 200 SH SOLE 200 0 0
SYSCO CORPORATION 871829107 5 170 SH SOLE 170 0 0
TC PIPELINES LTD 87233Q108 15 500 SH SOLE 500 0 0
TECO ENERGY INC COM 872375100 144 10450 SH SOLE 10450 0 0
TECO ENERGY INC COM 872375100 89 6475 SH DEFINED 6475 0 0
TEPPCO PARTNERS LP 872384102 91 2600 SH DEFINED 2600 0 0
TJX COMPANIES 872540109 38 2000 SH DEFINED 2000 0 0
TXU CORP 873168108 30 1300 SH DEFINED 1300 0 0
TARGET CORPORATION 87612E106 273 7265 SH SOLE 7265 0 0
TARGET CORPORATION 87612E106 837 22250 SH DEFINED 20600 1650 0
TEKTRONIX INC 879131100 123 5000 SH SOLE 5000 0 0
TELECOM CORP OF NEW ZEALAND LT SPON ADR 879278208 9 400 SH DEFINED 400 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 12 400 SH DEFINED 400 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 223 3900 SH DEFINED 3900 0 0
TEXAS GENCO COM 882443104 1 55 SH DEFINED 55 0 0
TEXAS INSTRUMENTS 882508104 715 31406 SH SOLE 31306 0 100
TEXAS INSTRUMENTS 882508104 1144 50230 SH DEFINED 47980 750 1500
THERMO ELECTRON CORP COM 883556102 49 2272 SH DEFINED 2272 0 0
THESTREET COM INC 88368Q103 0 100 SH DEFINED 100 0 0
THOMAS & BETTS CORPORATION 884315102 6 400 SH DEFINED 400 0 0
THORNBURG MORTGAGE INC 885218107 75 3000 SH SOLE 3000 0 0
3COM CORP COM 885535104 5 1000 SH DEFINED 1000 0 0
3M CO COM 88579Y101 927 13430 SH SOLE 12830 0 600
3M CO COM 88579Y101 1382 20012 SH DEFINED 19962 50 0
TIMKEN CO 887389104 76 5000 SH DEFINED 5000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TORCHMARK CORP. 891027104 79 1950 SH DEFINED 1950 0 0
TOUCH AMERICA HOLDINGS INC. 891539108 0 800 SH DEFINED 800 0 0
TOYS "R" US INC 892335100 3 300 SH SOLE 300 0 0
TRANSCANADA CORP 89353D107 2 152 SH SOLE 152 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 4 302 SH SOLE 302 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 19 1243 SH DEFINED 1235 8 0
TRAVELERS PPTY CAS CORP CLASS B NEW 89420G406 40 2561 SH DEFINED 2544 17 0
TREDEGAR INDUSTRIES INC 894650100 10 720 SH SOLE 720 0 0
TRI-CONTINENTAL CORPORATION 895436103 11 739 SH DEFINED 739 0 0
TRIBUNE CO NEW COM 896047107 56 1227 SH DEFINED 1227 0 0
TUPPERWARE CORP COM 899896104 1 100 SH DEFINED 100 0 0
TYCO INTL LTD NEW COM 902124106 65 3200 SH SOLE 3200 0 0
TYCO INTL LTD NEW COM 902124106 17 850 SH DEFINED 850 0 0
UGI CORPORATION 902681105 254 8800 SH SOLE 8800 0 0
UGI CORPORATION 902681105 269 9325 SH DEFINED 9325 0 0
UST INC COM 902911106 42 1200 SH SOLE 1200 0 0
US BANCORP DEL COM 902973304 5 225 SH SOLE 225 0 0
UNILIVER NV NY SHARE F NEW 904784709 23 400 SH DEFINED 400 0 0
UNION PACIFIC CORP COM 907818108 364 6266 SH SOLE 6266 0 0
UNION PACIFIC CORP COM 907818108 343 5908 SH DEFINED 3450 0 2458
UNITED NATIONAL BANCORP NJ 910909100 166 5000 SH SOLE 5000 0 0
UNITED NATIONAL BANCORP NJ 910909100 330 9961 SH DEFINED 8744 1217 0
UNITED PARCEL SERVICE 911312106 192 3015 SH DEFINED 3015 0 0
UNITED TECHNOLOGIES CORP COM 913017109 313 4057 SH SOLE 4057 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1301 16846 SH DEFINED 16546 300 0
VALLEY NATIONAL BANCORP. 919794107 3 131 SH SOLE 131 0 0
VALLEY NATIONAL BANCORP. 919794107 106 3841 SH DEFINED 3841 0 0
VAN KAMPEN TRUST MUNICIPALS 920929106 9 600 SH SOLE 600 0 0
VERIZON CORPORATION 92343V104 682 21035 SH SOLE 20985 0 50
VERIZON CORPORATION 92343V104 2545 78490 SH DEFINED 68480 7024 2986
VERITAS SOFTWARE CORP 923436109 15 500 SH SOLE 500 0 0
VERITAS SOFTWARE CORP 923436109 75 2400 SH DEFINED 2400 0 0
VERMONT TEDDY BEAR INC 92427X109 0 50 SH SOLE 50 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
VIACOM INC COM CLASS A 925524100 38 1000 SH DEFINED 1000 0 0
VIACOM INC. CLASS B COMMON 925524308 13 345 SH SOLE 345 0 0
VIACOM INC. CLASS B COMMON 925524308 51 1341 SH DEFINED 1341 0 0
VIASYS HEALTHCARE INC 92553Q209 3 165 SH DEFINED 165 0 0
VODAFONE GROUP PLC 92857W100 213 10565 SH SOLE 10565 0 0
VODAFONE GROUP PLC 92857W100 697 34437 SH DEFINED 30406 2031 2000
VORNADO REALTY TRUST 929042109 184 3850 SH SOLE 3850 0 0
VORNADO REALTY TRUST 929042109 93 1950 SH DEFINED 1650 300 0
VULCAN MATERIALS COMPANY COM 929160109 127 3200 SH DEFINED 3200 0 0
WGL HOLDINGS INC 92924F106 148 5400 SH DEFINED 4400 0 1000
WACHOVIA CORP 2ND NEW COM 929903102 3018 73310 SH SOLE 73310 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1472 35762 SH DEFINED 35438 324 0
WAL-MART STORES INC 931142103 955 17105 SH SOLE 17105 0 0
WAL-MART STORES INC 931142103 856 15345 SH DEFINED 15345 0 0
WALGREEN CO 931422109 15 500 SH SOLE 500 0 0
WALGREEN CO 931422109 3 100 SH DEFINED 100 0 0
WASHINGTON MUTUAL INC 939322103 23 600 SH SOLE 600 0 0
WASHINGTON MUTUAL INC 939322103 51 1300 SH DEFINED 1300 0 0
WASHINGTON TRUST BANCORP INC 940610108 75 3163 SH DEFINED 3163 0 0
WASTE MANAGEMENT INC 94106L109 3 145 SH DEFINED 145 0 0
WELLS FARGO & CO NEW COM 949746101 2062 40041 SH SOLE 39241 0 800
WELLS FARGO & CO NEW COM 949746101 1770 34375 SH DEFINED 31190 2475 710
WESTAR ENERGY INC 95709T100 3 200 SH DEFINED 0 200 0
WESTERN GAS RESOURCES INC 958259103 38 1000 SH DEFINED 1000 0 0
WEYERHAEUSER CO COM 962166104 21 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 116 2000 SH DEFINED 2000 0 0
WHIRLPOOL CORP COM 963320106 20 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 22 400 SH SOLE 400 0 0
WHOLE FOOD MARKET INC 966837106 38 700 SH DEFINED 700 0 0
WILLIAMS COS INC DEL COM 969457100 2 300 SH SOLE 300 0 0
WILLIAMS COS INC DEL COM 969457100 47 5000 SH DEFINED 5000 0 0
WILLIAMS SONOMA INC COM 969904101 129 4800 SH DEFINED 4800 0 0
WISCONSIN ENERGY CORP COM 976657106 124 4089 SH DEFINED 4089 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
WISER OIL CO 977284108 1 200 SH SOLE 200 0 0
WISER OIL CO 977284108 9 1800 SH DEFINED 1800 0 0
WRIGLEY WM JR CO 982526105 11 200 SH SOLE 200 0 0
WYETH INC. 983024100 682 14808 SH SOLE 14808 0 0
WYETH INC. 983024100 1890 41024 SH DEFINED 39424 1400 200
XM SATELLITE RADIO HOLDINGS INC 983759101 2 150 SH DEFINED 150 0 0
XTO ENERGY INC 98385X106 41 2000 SH DEFINED 2000 0 0
XCEL ENERGY INC 98389B100 6 441 SH DEFINED 441 0 0
XILINX INC 983919101 90 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 6 600 SH DEFINED 600 0 0
YUM BRANDS INC 988498101 1 50 SH DEFINED 50 0 0
ZIMMER HOLDINGS GROUP 98956P102 1 20 SH SOLE 20 0 0
ZIMMER HOLDINGS GROUP 98956P102 441 8015 SH DEFINED 8015 0 0
ZORAN CORP 98975F101 50 2600 SH SOLE 2600 0 0
ZWEIG TOTAL RETURN FD INC 989837109 5 1139 SH SOLE 1139 0 0
ZWEIG TOTAL RETURN FD INC 989837109 8 1812 SH DEFINED 1812 0 0
GRAND TOTALS 264440 7450621 7083209 231826 135586