UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 2001
Check here if Amendment [ ]; Amendment Number
This Amendment (Check only one): [ ] is a restatement
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: BancorpSouth, Inc.
Address: One Mississippi Plaza, 201 South Spring Street
Tupelo, MS 38804
Form 13F File Number: 28-10453
The institutional investment manager filing this report and the person
by whom it is signed hereby represent that the person signing the report is
authorized to submit it, that all information contained herein is true, correct
and complete, and that it is understood that all required items, statements,
schedules, lists and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: James C. Kelly, Jr.
Title: Vice President and Trust Operations Manager
Phone: (601) 944-3583
Signature, Place, and Date of Signing:
/s/ James C. Kelly, Jr. Jackson, Mississippi May 9, 2003
------------------------- -------------------- -----------
[Signature] [City, State] [Date]
EXPLANATORY NOTE:
This Form 13F was timely filed by BancorpSouth, Inc. on April 6, 2001
for the three months ended March 31, 2001, but was inadvertently filed under the
Form 13F File Number ("File Number") of First United Bancshares, Inc. rather
than under BancorpSouth's File Number. First United Bancshares was merged with
and into BancorpSouth on August 31, 2000. BancorpSouth is re-filing this Form
13F under the correct File Number of BancorpSouth.
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting
manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report,
and all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings
for this reporting manager are reported in this report and a portion are
reported by other reporting manager(s).)
List of Other Managers Reporting for this Manager: None.
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 597
Form 13F Information Table Value Total: $296,693 (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. NONE.
FORM 13F INFORMATION TABLE
TITLE VOTING AUTHORITY
OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER -----------------------
NAME OF ISSUER CLASS CUSIP (x$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------------- -------------- --------- -------- ------- ---- ------- -------- ------ ------ ------
13 PORTERS CHAPEL RENT-
ROAD SPROUSE 078995362 0 1 PRN SOLE 1 0 0
1ST CENTURY
BANKSHARES 319426102 13 1000 SH SOLE 10000 0 0
1ST TRS ADVAN SER
195 MSTR9 33732C745 33 35 SH SOLE 35 0 0
1ST TRS ADVAN SER
38 MSTR2 337320865 7 40 SH SOLE 40 0 0
1ST TRUST ADV UIT
SER 32 MS TRUST 1 337320675 3 15 SOLE 15 0 0
3COM CORP COM 885535104 0 100 SH SOLE 100 0 0
3COM CORP COM 885535104 4 875 SH DEFINED 0 0 875
ABBOTT LAB 002824100 9 200 SH DEFINED 200 0 0
ABBOTT LAB 002824100 742 15730 SH SOLE 15730 0 0
ABBOTT LABS COM 002824100 844 17890 SH SOLE 15290 300 2300
ABBOTT LABS COM 002824100 258 5488 SH DEFINED 0 4288 1200
ACXIOM CORP COM 005125109 6 300 SH SOLE 300 0 0
ADAMS EXPRESS CO COM 006212104 172 9872 SH SOLE 9872 0 0
ADV FUND MS TRS 33732A210 10 24 SOLE 24 0 0
ADVANCED MICRO
DEVICES 007903107 5 200 SH DEFINED 0 0 200
ADVANCED MICRO
DEVICES 007903107 86 3250 SH SOLE 2650 0 600
AEROPRES DIV #2240 018990101 0 1 PRN SOLE 1 0 0
AES CORPORATION 00130H105 13 277 SH SOLE 277 0 0
AETNA INC COM 00817Y108 7 200 SH DEFINED 0 0 200
AGILENT
TECHNOLOGIES INC 00846U101 145 4747 SH SOLE 4047 0 700
AGILENT
TECHNOLOGIES INC 00846U101 3 100 SH DEFINED 0 0 100
AIR PRODS & CHEMS
INC COM 009158106 15 400 SH DEFINED 0 0 400
ALBEMARLE CORP
(ETHYL) 274990100 0 1 PRN SOLE 1 0 0
ALCOA INC COM 013817101 2 76 SH SOLE 76 0 0
ALLEGHENY ENERGY
INC COM 017361106 9 200 SH SOLE 200 0 0
ALLEGHENY ENERGY
INC COM 017361106 27 600 SH DEFINED 600 0 0
ALLIANCE US GOVT
BOND FD CLASS A #46 018528406 10 1437 SH SOLE 1437 0 0
ALLSTATE CORP 020002101 90 2160 SH SOLE 1943 117 100
ALLTEL CORP 020039103 74 1414 SH SOLE 1414 0 0
ALLTEL CORP COM 020039103 598 11415 SH DEFINED 11415 0 0
ALLTEL CORP COM 020039103 225 4300 SH SOLE 4100 200 0
AMER EXPRESS CO 025816109 99 2400 SH SOLE 2400 0 0
AMER HOME PROD
CORP 026609107 182 3100 SH DEFINED 3100 0 0
AMER HOME PROD
CORP 026609107 94 1600 SH SOLE 1600 0 0
AMEREN CORP COM 023608102 8 206 SH SOLE 206 0 0
AMERICAN ELEC
PWR INC COM 025537101 212 4530 SH SOLE 4530 0 0
AMERICAN ELEC
PWR INC COM 025537101 35 748 SH DEFINED 568 0 180
AMERICAN EXPRESS
CO COM 025816109 99 2400 SH SOLE 2400 0 0
AMERICAN GEN CAP
L L C MIPS B 8.125% 02637F301 24 980 SH SOLE 980 0 0
AMERICAN HOME
PRODS CORP COM 026609107 89 1515 SH DEFINED 0 0 1515
AMERICAN HOME
PRODS CORP COM 026609107 235 4000 SH SOLE 4000 0 0
AMERICAN
HOMEPATIENT INC 026649103 8 22450 SH SOLE 22450 0 0
AMERICAN
INTERNATIONAL
GRP 026874107 12 150 SH SOLE 150 0 0
AMGEN INC COM 031162100 12 200 SH SOLE 200 0 0
AMSOUTH
BANCORPORATION COM 032165102 7 437 SH DEFINED 437 0 0
ANADARKO PETE
CORP 032511107 91 1464 SH DEFINED 0 1464 0
ANHEUSER BUSCH
COS INC COM 035229103 165 3600 SH DEFINED 0 0 3600
ANHEUSER BUSCH
COS INC COM 035229103 1185 25820 SH SOLE 17500 0 8320
AOL TIME WARNER
INC 00184A105 181 4525 SH SOLE 3750 0 775
APPLE COMPUTER
INC COM 037833100 70 3200 SH DEFINED 0 3200 0
AR PETROLEUM
COMMON 0409009A2 4 20 SH DEFINED 0 0 20
AR RIVER PETROL
COMM 0410399A8 2 36 SH DEFINED 0 0 36
AR SERVICE
COMMON 0410389A0 2 20 SH DEFINED 0 0 20
ARCH CHEMICALS
INC COM 03937R102 8 404 SH SOLE 404 0 0
ARCHER-DANIELS-
MIDLAND
COMPANY 039483102 3 266 SH SOLE 0 0 266
ARK BUTANE
COMMON 0247959A6 4 18 SH DEFINED 0 0 18
ARROW ELECTRS INC 042735100 9 400 SH SOLE 400 0 0
ART MACHIN ASSOC
109-01 008990103 0 1 PRN SOLE 1 0 0
ARVINMERITOR INC COM 043353101 1 124 SH SOLE 124 0 0
AT HOME CORP COM SER A 045919107 17 3800 SH DEFINED 0 3800 0
AT&T CORP COM 001957109 8 400 SH DEFINED 150 0 250
AT&T CORP COM 001957109 717 33684 SH SOLE 31652 332 1700
ATLANTA EXP
WARECREEK LSE 036995363 0 1 PRN SOLE 1 0 0
ATLANTA EXP -
CRONE 12-96 003995362 0 1 SH SOLE 1 0 0
ATLANTA EXP - NEW
HOPE EXPAND 10/98 026995365 0 1 PRN SOLE 1 0 0
ATLANTA EXPLORATION
PISG PRO 281995365 0 1 PRN SOLE 1 0 0
ATLANTA EXPLORATION
WARE CR 282995364 0 1 PRN SOLE 1 0 0
AUTO DATA PROCESS 053015103 228 4200 SH SOLE 4200 0 0
AUTOMATIC DATA
PROCESSING INC COM 053015103 228 4200 SH SOLE 3400 0 800
AUTOZONE 053332102 28 1000 SH SOLE 1000 0 0
AUTOZONE 053332102 14 530 SH DEFINED 530 0 0
AVON PRODS INC COM 054303102 27 700 SH SOLE 700 0 0
AVON PRODS INC COM 054303102 39 1000 SH DEFINED 0 0 1000
AXCELIS TECHNOLOGIES INC 054540109 1 117 SH DEFINED 117 0 0
AXCELIS TECHNOLOGIES INC 054540109 25 2181 SH SOLE 2181 0 0
B. F. GOODRICH 382388106 15 400 SH DEFINED 0 0 400
BAKER HUGHES INC COM 057224107 4 135 SH SOLE 135 0 0
BANCORPSOUTH INC COM 059692103 11802 800183 SH SOLE 117350 138773 544060
BANCORPSOUTH INC COM 059692103 2422 164205 SH DEFINED 157452 2592 4161
BANCORPSOUTH INC 059692103 73 4953 SH DEFINED 4953 0 0
BANCORPSOUTH INC 059692103 9584 649810 SH SOLE 628183 6660 14967
BANK OF AMERICA CORP 060505104 1142 20870 SH SOLE 20870 0 0
BANK OF AMERICA CORP 060505104 148 2710 SH DEFINED 2710 0 0
BANK OF THE OZARKS, INC 063904106 318 23800 SH DEFINED 0 23800 0
BANK OF US NOTE $1000 916995368 0 1 PRN SOLE 1 0 0
BANK ONE CORP FORMERLY
BANC ONE 06423A103 87 2420 SH SOLE 0 0 2420
BANK ONE CORP FORMERLY
BANC ONE 06423A103 53 1482 SH DEFINED 0 1482 0
BANKAMERICA CORP
NEW COM 060505104 49 900 SH SOLE 900 0 0
BAXTER INTERNATIONAL INC 071813109 94 1000 SH SOLE 0 0 1000
BAXTER INTL INC 071813109 75 800 SH SOLE 800 0 0
BECKMAN COULTER INC COM 075811109 23 600 SH SOLE 600 0 0
BELLSOUTH CORP COM 079860102 8 200 SH DEFINED 200 0 0
BELLSOUTH CORP 079860102 1535 37541 SH SOLE 35345 2196 0
BELLSOUTH CORP 079860102 96 2368 SH DEFINED 2368 0 0
BELLSOUTH CORP COM 079860102 424 10385 SH SOLE 9499 246 640
BERKSHIRE HATHAWAY "A" 084670108 65 1 SH SOLE 1 0 0
BETHLEHEM STL CORP PFD CV $2.50 087509402 13 1100 SH SOLE 1100 0 0
BIOGEN INC COM 090597105 18 300 SH SOLE 300 0 0
BLACKBURN MTR NV 088995360 1447 1577 SH SOLE 1577 0 0
BODCAW BANK 056004997 5 6 SH DEFINED 6 0 0
BODCAW BANK 056004997 767 853 SH SOLE 853 0 0
BOEING CO COM 097023105 22 400 SH DEFINED 100 0 300
BOEING CO COM 097023105 475 8532 SH SOLE 7832 0 700
BOEING INC 097023105 32 580 SH SOLE 580 0 0
BOISE CASCADE CORP COM 097383103 12 400 SH SOLE 400 0 0
SPONSORED
BP AMOCO P L C ADR 055622104 731 14738 SH SOLE 14738 0 0
SPONSORED
BP AMOCO P L C ADR 055622104 78 1582 SH DEFINED 926 0 656
BRISTOL MYERS SQUIBB CO 110122108 160 2700 SH DEFINED 2700 0 0
BRISTOL MYERS SQUIBB CO 110122108 1095 18436 SH SOLE 18436 0 0
BRISTOL-MEYERS SQUIBB 110122108 497 8368 SH DEFINED 5568 0 2800
BRISTOL-MEYERS SQUIBB 110122108 1440 24244 SH SOLE 22444 0 1800
BULL RUN CORP GEORGIA 120182100 5 3400 SH SOLE 3400 0 0
BURLINGTON
NORTHERN/SANTA FE CORP 12189T104 28 930 SH SOLE 930 0 0
BURNS/PERKIS OIL/GAS11-1999 408995363 0 1 PRN SOLE 1 0 0
C SIMMONS LSE EXP 12/31/06 490990108 0 1 PRN SOLE 1 0 0
CABE INVESTMENTS INC 130004997 311 311294 SH SOLE 311294 0 0
CABE LAND COMPANY
AKA CABE CATTLE CO. 123000994 1619 17672 SH SOLE 17672 0 0
CABE/LONG MANAGEMENT 126005990 311 311294 SH SOLE 311294 0 0
CABLETRON SYS INC COM 126920107 2 200 SH SOLE 200 0 0
CADBURY SCHWEPPES PLC ADR 127209302 31 1200 SH SOLE 0 0 1200
CALLAWAY GOLF CO COM 131193104 4 200 SH SOLE 0 0 200
CAMPBELL SOUP CO COM 134429109 11 400 SH SOLE 0 0 400
CAPITAL ONE FINL CORP COM 14040H105 266 4800 SH SOLE 0 0 4800
CARDINAL HEALTH INC COM 14149Y108 28 298 SH SOLE 0 0 298
CATERPILLAR INC 149123101 323 7300 SH SOLE 7300 0 0
CATERPILLAR INC DEL COM 149123101 155 3500 SH SOLE 3400 0 100
CELL PATHWAYS INC 15114R101 0 100 SH SOLE 100 0 0
CENTURYTEL INC COM 156700106 140 4902 SH SOLE 0 4902 0
CHALLENGE OPT ROBERSON#lARK 301990107 0 1 PRN SOLE 1 0 0
CHEVRON CORP 166751107 198 2256 SH SOLE 2256 0 0
CHEVRON CORP 166751107 407 4643 SH DEFINED 4643 0 0
CHEVRON CORPORATION COM 166751107 965 10997 SH SOLE 9997 0 1000
CHEVRON CORPORATION COM 166751107 35 400 SH DEFINED 0 0 400
CHUBB CORPORATION 171232101 398 5500 SH SOLE 5500 0 0
CISCO SYS INC COM 17275R102 610 38605 SH SOLE 36155 1100 1350
CISCO SYS INC COM 17275R102 31 2005 SH DEFINED 600 0 1405
CITGO 03806000010 132990102 0 1 PRN SOLE 1 0 0
CITGO 0380600011 131990103 0 1 PRN SOLE 1 0 0
CITGO 0380600014 130990104 0 1 PRN SOLE 1 0 0
CITGO 0380600015 134990100 0 1 PRN SOLE 1 0 0
CITIGROUP INC COM 172967101 613 13646 SH DEFINED 13500 0 146
CITIGROUP INC COM 172967101 376 8372 SH SOLE 8153 0 219
CLECO CORP NEW 12561W105 9 200 SH DEFINED 200 0 0
CLECO CORP NEW 12561W105 13 300 SH SOLE 300 0 0
COCA COLA CO COM 191216100 1712 37940 SH SOLE 31135 1000 5805
COCA COLA CO COM 191216100 275 6100 SH DEFINED 100 0 6000
COCA COLA CO 191216100 244 5410 SH SOLE 5410 0 0
COCA COLA
ENTERPRISES INC COM 191219104 42 2400 SH SOLE 0 0 2400
COLGATE PALMOLIVE CO COM 194162103 11 200 SH DEFINED 0 0 200
COLGATE PALMOLIVE CO COM 194162103 283 5125 SH SOLE 5125 0 0
COLGATE-PALMOLIVE CO 194162103 117 2133 SH SOLE 2133 0 0
COLONIAL TAX EXEMPT
FUND A 53054410R 133 10164 SOLE 10164 0 0
COMCAST 200300200 33 800 SH SOLE 800 0 0
COMPAQ COMPUTER CORP COM 204493100 332 18300 SH SOLE 17900 0 400
COMPAQ COMPUTER CORP 204493100 140 7750 SH SOLE 7750 0 0
COMPUTER ASSOC INTL
INC COM 204912109 21 800 SH SOLE 800 0 0
COMPUTER SCIENCES
CORP COM 205363104 3 99 SH DEFINED 0 0 99
CONAGRA FOODS INC COM 205887102 20 1100 SH SOLE 1100 0 0
CONAGRA FOODS INC COM 205887102 3 200 SH DEFINED 200 0 0
CONECTIV INC COM 206829103 14 675 SH SOLE 675 0 0
CONFEDERATE STATE
$10 BILL 915995369 0 1 PRN SOLE 1 0 0
CONOCO INC CL B 208251405 18 640 SH SOLE 640 0 0
CONSECO INC COM 208464107 9 560 SH DEFINED 560 0 0
CONSECO STRATEGIC INC FD SH BEN INT 20847A102 8 866 SH SOLE 866 0 0
CONSOLIDATED EDISON INC COM 209115104 38 1028 SH SOLE 400 0 628
CONSTELLATION ENERGY CORP 210371100 17 400 SH DEFINED 400 0 0
COOPER TIRE RUBBER CO 216831107 1 100 SH DEFINED 100 0 0
COOPER TIRE RUBBER CO 216831107 64 5700 SH SOLE 5700 0 0
CORNING INC COM 219350105 37 1800 SH SOLE 1800 0 0
CORRECTIONS CORP AMER NEW 22025Y308 0 55 SH SOLE 55 0 0
CORRECTIONS CORP AMER NEW COM 22025Y100 4 5494 SH SOLE 5494 0 0
CRYOLIFE INC 228903100 57 2235 SH SOLE 2235 0 0
CYPRESS SEMICONDUCTOR CORP COM 232806109 8 500 SH SOLE 500 0 0
DANA CORP 235811106 14 866 SH SOLE 866 0 0
DEAN FOODS CO 242361103 22 650 SH SOLE 650 0 0
DELL COMPUTER CORP COM 247025109 38 1500 SH DEFINED 0 0 1500
DELL COMPUTER CORP COM 247025109 451 17585 SH SOLE 17050 0 535
DELPHI AUTOMOTIVE SYS CORP COM 247126105 7 543 SH SOLE 247 46 250
DELTA AIRLINES INC 247361108 7 200 SH SOLE 200 0 0
DELTIC TIMBER INC 247850100 369 18240 SH SOLE 18240 0 0
DELTIC TIMBER INC 247850100 13080 645971 SH DEFINED 0 645543 428
DIAMOND OFFSHORE DRILLING INC 25271C102 1 50 SH SOLE 50 0 0
DISNEY (WALT)
COMPANY HOLDING CO 254687106 5 200 SH DEFINED 200 0 0
DISNEY (WALT)
COMPANY HOLDING CO 254687106 21 760 SH SOLE 760 0 0
DOMINION RES INC VA NEW 25746U109 18 290 SH SOLE 0 0 290
DOW CHEMICAL CO 260543103 893 28311 SH SOLE 28311 0 0
DOW CHEMICAL CO COM 260543103 72 2283 SH SOLE 2283 0 0
DOW CHEMICAL CO COM 260543103 15 483 SH DEFINED 483 0 0
DPL INC COM 233293109 8 300 SH DEFINED 300 0 0
DPL INC COM 233293109 66 2385 SH SOLE 900 0 1485
DREYFUS MUNICIPAL BOND FUND 26201Q104 46 3881 SOLE 3881 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 18 457 SH SOLE 457 0 0
DU PONT EI D NEMOURS & CO 263534109 286 7040 SH SOLE 7040 0 0
DUKE ENERGY CORP COM 264399106 82 1940 SH SOLE 0 0 1940
DUKE ENERGY CORP COM 264399106 8 200 SH DEFINED 200 0 0
DUKE ENERGY CORP COM 264399106 20 480 SH DEFINED 480 0 0
DUKE ENERGY CORP COM 264399106 175 4114 SH SOLE 4114 0 0
DUN & BRADSTREET CORP DEL NECOM 26483E100 12 550 SH SOLE 550 0 0
DYNEX CAP INC COM NEW 26817Q506 0 106 SH DEFINED 106 0 0
EASTMAN CHEM CO COM 277432100 2 50 SH SOLE 50 0 0
EASTMAN KODAK CO COM 277461109 15 400 SH SOLE 400 0 0
EASTMAN KODAK CO 277461109 41 1050 SH SOLE 1050 0 0
EATON CORP COM 278058102 6 100 SH DEFINED 100 0 0
EATON CORP COM 278058102 126 1850 SH SOLE 1850 0 0
ECHELON CORP 27874N105 1 100 SH SOLE 100 0 0
EDEN BIOSCIENCE CORP COM 279445100 7 500 SH DEFINED 500 0 0
EDISON INTERNATIONAL 281020107 10 800 SH SOLE 800 0 0
EDWARDS LIFESCIENCES CORP 28176E108 4 240 SH SOLE 0 0 240
EEX CORP COM NEW 26842V207 0 66 SH SOLE 66 0 0
EL PASO CORP COM 28336L109 13 200 SH DEFINED 0 200 0
ELAN PLC ADR 284131208 10 200 SH SOLE 200 0 0
ELECTRONIC DATA SYS CORP NEW 285661104 134 2400 SH SOLE 2400 0 0
EMC CORP 268648102 36 1250 SH SOLE 850 0 400
EMC CORP 268648102 11 400 SH DEFINED 0 0 400
EMERSON ELEC CO COM 291011104 117 1900 SH SOLE 1900 0 0
EMERSON ELECTRIC CO 291011104 31 500 SH SOLE 500 0 0
EMERSON ELECTRIC CO 291011104 21 350 SH DEFINED 350 0 0
ENCORE WIRE CORP COM 292562105 157 20174 SH SOLE 20174 0 0
ENERGY EAST CORP COM 29266M109 3 228 SH SOLE 228 0 0
ENGELHARD CORP COM 292845104 6 253 SH DEFINED 0 253 0
ENRON CORP 293561106 46 800 SH SOLE 800 0 0
ENRON CORP COM 293561106 11 200 SH SOLE 100 0 100
ENTERGY 65 SERIES PRO 4.56% 29364D407 1 18 SH SOLE 18 0 0
ENTERGY ARK INC PFD $6.08 29364D605 4 60 SH SOLE 60 0 0
ENTERGY ARK INC PFD $7.32 29364D704 21 229 SH SOLE 229 0 0
ENTERGY ARK INC PFD $7.40 29364D829 8 90 SH SOLE 90 0 0
ENTERGY ARK INC PFD $7.80 29364D803 9 100 SH SOLE 100 0 0
ENTERGY ARK INC PFD $7.88 29364D852 14 145 SH SOLE 145 0 0
ENTERGY CORP 29364G103 48 1275 SH SOLE 1275 0 0
ENTERGY CORP NEW COM 29364G103 22 593 SH DEFINED 593 0 0
ENTERGY CORP NEW COM 29364G103 152 4020 SH SOLE 4020 0 0
EQUINOX - OPHILIA TODD 10400 271995367 0 1 PRN SOLE 1 0 0
ETHAN ALLEN INTERIORS 297602104 7 225 SH DEFINED 225 0 0
EXELON CORP COM 30161N101 28 436 SH DEFINED 436 0 0
EXXON MOBIL CORP 30231G102 945 11670 SH DEFINED 4890 4400 2380
EXXON MOBIL CORP 30231G102 4463 55103 SH SOLE 53154 0 1949
FAIRFIELD COM PAR
CMNTYS INC $0.01 304STK999 284 18500 SH SOLE 18500 0 0
FED INTERMEDIATE TAX
MUNICIPAL FREE #78 458810108 15 1439 SH SOLE 1439 0 0
FEDERAL NATL MTG ASSN COM 313586109 23 300 SH SOLE 300 0 0
FEDERAL REALTY SH BEN
INVT TR INT NEW 313747206 13 685 SH SOLE 0 0 685
FEDERATED BOND FUND #198 31420F400 17 1970 SH SOLE 1970 0 0
FEDEX CORPORATION 31428X106 8 200 SH SOLE 200 0 0
FIDELITY ADVISOR INST GROWTH #86 315805101 12 243 SH SOLE 190 0 53
FIRST COMMUNITY BANK NA NPT 329000996 2 2000 SH SOLE 2000 0 0
FIRST NAT'L ENTERTAINMENT CORP 320940109 0 388 SH DEFINED 388 0 0
FIRST STAUNTON BANCSHARES
CL-B NV 90008K991 0 374 SH SOLE 374 0 0
FIRST STAUNTON
BANCSHARES CL-A V 90008J994 0 42 SH SOLE 42 0 0
FIRST TENN NATL CORP COM 337162101 6 200 SH SOLE 200 0 0
FIRST UN CORP COM 337358105 3 118 SH DEFINED 0 0 118
FIRST UN CORP COM 337358105 58 1760 SH SOLE 0 0 1760
FLEETBOSTON FINANCIAL CORP 339030108 75 2001 SH SOLE 2001 0 0
FLOWEREE PLANTING LSE 1-1-98 301995361 0 1 PRN SOLE 1 0 0
FLUOR CORP 343412102 4 96 SH DEFINED 96 0 0
FLUOR CORP 343412102 13 300 SH SOLE 300 0 0
FNMA COM 313586109 103 1300 SH SOLE 1300 0 0
FOAMEX INT'L INC 344123104 102 20050 SH SOLE 20050 0 0
FORD MOTOR CREDIT COMPANY USD 345370860 4 174 SH DEFINED 174 0 0
FORD MOTOR CREDIT COMPANY USD 345370860 191 6810 SH SOLE 6112 0 698
FORD MTR CO CAP TR I TOPRS 9% 345343206 26 1000 SH SOLE 1000 0 0
FPL GROUP INC 302571104 19 320 SH SOLE 320 0 0
GAP INC DEL COM 364760108 35 1500 SH SOLE 1500 0 0
GEN MTR CORP 370442105 12 240 SH SOLE 240 0 0
GENERAL ELEC CO COM 369604103 184 4400 SH DEFINED 0 0 4400
GENERAL ELEC CO COM 369604103 2477 59195 SH SOLE 57565 450 1180
GENERAL ELECTRIC CO 369604103 79 1900 SH DEFINED 1900 0 0
GENERAL ELECTRIC CO 369604103 3096 73968 SH SOLE 73968 0 0
GENERAL MLS INC COM 370334104 0 20 SH DEFINED 0 0 20
GENERAL MLS INC COM 370334104 30 720 SH SOLE 720 0 0
GENERAL MTRS CORP COM 370442105 22 433 SH SOLE 167 66 200
GENOME THERAPEUTICS
CORP COM 372430108 6 1000 SH SOLE 0 0 1000
GEORGE PATE COLUMBIA 11/96 712995364 0 1 PRN SOLE 1 0 0
GEORGIA PAC CORP 373298108 117 4000 SH SOLE 4000 0 0
GEORGIA PAC COM GA
CORP PAC GRP 373298108 62 2120 SH SOLE 1720 0 400
GEORGIA PAC COM-
CORP TIMBER GRP 373298702 11 410 SH SOLE 410 0 0
GERON CORP COM 374163103 3 300 SH SOLE 300 0 0
GILLETTE CO COM 375766102 108 3485 SH DEFINED 150 2935 400
GILLETTE CO COM 375766102 144 4630 SH SOLE 4330 0 300
GLAXOSMITH- SPONSORED
KLINE PLC ADR 37733W105 45 869 SH SOLE 769 0 100
GLOBAL SPORTS INC 37937A107 0 29 SH SOLE 29 0 0
GLOBAL STAR
TELECOMMUNICATION G3930H104 0 1000 SH SOLE 1000 0 0
GOODYEAR TIRE & RUBBER 382550101 11 484 SH DEFINED 484 0 0
GOODYEAR TIRE & RUBR CO COM 382550101 40 1718 SH SOLE 1192 0 526
GREAT LAKES CHEM CORP COM 390568103 54 1785 SH DEFINED 0 1785 0
GRUY PETRO MGMT
WALKER CREEKWALKER
CREEK 002995363 0 1 PRN SOLE 1 0 0
GUARANTY BANCSHARES INC TEX COM 400764106 2 200 SH SOLE 0 0 200
GUIDANT CORP COM 401698105 211 4700 SH SOLE 4600 0 100
HALLIBURTON CO COM 406216101 22 600 SH DEFINED 600 0 0
HALLIBURTON CO COM 406216101 31 850 SH SOLE 850 0 0
HANCOCK FABRICS 409900107 12 1600 SH SOLE 1600 0 0
HANCOCK HLDG CO CAP VALUE 410120109 125 2897 SH SOLE 2897 0 0
HARRIS CORP 413875105 34 1400 SH SOLE 1400 0 0
HARRIS CORP DEL COM 413875105 2 94 SH SOLE 94 0 0
HARRIS EQUITY INCOME FUND 41454810R 86 4989 SH SOLE 4989 0 0
HARRIS SHORT/ INTERMEDIATE BOND CL I 40429960R 67 6509 SH SOLE 6509 0 0
HARTFORD FNCL SV GRP INC CO M 416515104 11 200 SH DEFINED 200 0 0
HASBRO, INC 418056107 10 787 SH DEFINED 787 0 0
HATTERAS INCOME SECS INC COM 419025101 2 200 SH SOLE 200 0 0
HCA- HEALTHCARE CO COM 404119109 50 1250 SH DEFINED 0 1250 0
HEINZ H J CO COM 423074103 18 450 SH SOLE 450 0 0
HEWLETT PACKARD CO COM 428236103 339 10850 SH SOLE 8000 0 2850
HEWLETT PACKARD CO COM 428236103 12 400 SH DEFINED 0 0 400
HEWLETT PACKARD CO 428236103 72 2312 SH SOLE 2312 0 0
HIBERNIA CORP 428656102 5912 423235 SH SOLE 420536 0 2699
HIBERNIA CORP 428656102 12 900 SH DEFINED 900 0 0
HIGHLANDS INS GROUP 431032101 39 12000 SH SOLE 12000 0 0
HILLSIDE MANOR APARTMENTS 875995367 43 100 SH SOLE 100 0 0
HOME DEPOT 437076102 491 11397 SH SOLE 11397 0 0
HOME DEPOT 437076102 38 882 SH DEFINED 882 0 0
HOME DEPOT INC COM 437076102 28 650 SH DEFINED 0 0 650
HOME DEPOT INC COM 437076102 442 10275 SH SOLE 5800 4050 425
HOMEFED CORP COM NEW 43739D208 3 4028 SH DEFINED 0 4028 0
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