FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X1000)  PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

ABBOTT LABS                    COMMON STOCK     002824100     2859    61360 SH       DEFINED               60060        0     1300
ABBOTT LABS                    COMMON STOCK     002824100     2345    50323 SH       OTHER                 50323        0        0
ABGENIX INC                    COMMON STOCK     00339B107        6      500 SH       DEFINED                 500        0        0
ADOBE SYS INC                  COMMON STOCK     00724F101       11      269 SH       DEFINED                 269        0        0
ADOBE SYS INC                  COMMON STOCK     00724F101       12      300 SH       OTHER                     0        0      300
ADVANCED MEDICAL OPTICS-W/I    COMMON STOCK     00763M108        1       33 SH       OTHER                    33        0        0
ADVANCED MICRO DEVICES INC     COMMON STOCK     007903107        9      600 SH       DEFINED                 600        0        0
AETNA INC                      COMMON STOCK     00817Y108       37      548 SH       DEFINED                 548        0        0
AETNA INC                      COMMON STOCK     00817Y108      200     2959 SH       OTHER                  2959        0        0
AFFILIATED COMPUTER SVCS INC C COMMON STOCK     008190100       49      900 SH       OTHER                   900        0        0
AFLAC INC                      COMMON STOCK     001055102     4671   129092 SH       DEFINED              128867        0      225
AFLAC INC                      COMMON STOCK     001055102     1224    33831 SH       OTHER                 33831        0        0
AGCO CORP                      COMMON STOCK     001084102      268    13300 SH       DEFINED               13300        0        0
AGERE SYSTEMS INC-CL A         COMMON STOCK     00845V100        0      112 SH       DEFINED                 112        0        0
AGERE SYSTEMS INC-CL A         COMMON STOCK     00845V100        0       39 SH       OTHER                    39        0        0
AGERE SYSTEMS INC-CL B         COMMON STOCK     00845V209        9     3259 SH       DEFINED                3259        0        0
AGERE SYSTEMS INC-CL B         COMMON STOCK     00845V209        6     2176 SH       OTHER                  2144        0       32
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101       46     1562 SH       DEFINED                1562        0        0
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101       23      799 SH       OTHER                   799        0        0
AGL RES INC                    COMMON STOCK     001204106       16      536 SH       DEFINED                 536        0        0
AGL RES INC                    COMMON STOCK     001204106       23      800 SH       OTHER                   800        0        0
AIR PRODUCTS & CHEMICALS INC   COMMON STOCK     009158106      993    18805 SH       DEFINED               18605        0      200
AIR PRODUCTS & CHEMICALS INC   COMMON STOCK     009158106      293     5555 SH       OTHER                  5555        0        0
ALBEMARLE CORP                 COMMON STOCK     012653101        9      300 SH       DEFINED                 300        0        0
ALBERTO CULVER CO              COMMON STOCK     013068101      813    12885 SH       DEFINED               12485        0      400
ALBERTO CULVER CO              COMMON STOCK     013068101      224     3548 SH       OTHER                  3548        0        0
ALCOA INC COM                  COMMON STOCK     013817101     1495    39339 SH       DEFINED               38614        0      725
ALCOA INC COM                  COMMON STOCK     013817101     1463    38501 SH       OTHER                 37972        0      529
ALEXANDER & BALDWIN INC        COMMON STOCK     014482103       74     2200 SH       DEFINED                2200        0        0
ALLEGHENY ENERGY INC           COMMON STOCK     017361106        5      400 SH       OTHER                   400        0        0
ALLERGAN INC                   COMMON STOCK     018490102       12      150 SH       OTHER                   150        0        0
ALLIANT CORP                   COMMON STOCK     018802108       20      800 SH       DEFINED                   0        0      800
ALLIANT CORP                   COMMON STOCK     018802108       40     1600 SH       OTHER                  1600        0        0
ALLIANT TECHSYSTEMS INC        COMMON STOCK     018804104        8      145 SH       DEFINED                 145        0        0
ALLIED CAP CORP NEW            COMMON STOCK     01903Q108       20      700 SH       DEFINED                 700        0        0
ALLMERICA FINANCIAL CORP       COMMON STOCK     019754100       22      713 SH       DEFINED                 713        0        0
ALLSTATE CORP                  COMMON STOCK     020002101       11      267 SH       DEFINED                 267        0        0
ALLSTATE CORP                  COMMON STOCK     020002101      467    10864 SH       OTHER                 10864        0        0
ALLTEL CORP                    COMMON STOCK     020039103      305     6550 SH       DEFINED                6025        0      525
ALLTEL CORP                    COMMON STOCK     020039103      381     8187 SH       OTHER                  8187        0        0
ALTRIA GROUP INC               COMMON STOCK     02209S103     2819    51805 SH       DEFINED               42655        0     9150
ALTRIA GROUP INC               COMMON STOCK     02209S103     5467   100468 SH       OTHER                100468        0        0
AMERADA HESS CORP              COMMON STOCK     023551104       51      968 SH       OTHER                   968        0        0
AMEREN CORP                    COMMON STOCK     023608102       43      931 SH       DEFINED                 931        0        0
AMEREN CORP                    COMMON STOCK     023608102      170     3706 SH       OTHER                  3706        0        0
AMERICAN ELEC PWR INC          COMMON STOCK     025537101      103     3385 SH       DEFINED                3385        0        0
AMERICAN ELEC PWR INC          COMMON STOCK     025537101      138     4527 SH       OTHER                  4527        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109      574    11899 SH       DEFINED               11899        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109      882    18280 SH       OTHER                 18280        0        0
AMERICAN FINANCIAL REALTY TR   COMMON STOCK     02607P305       15      900 SH       DEFINED                 900        0        0
AMERICAN FINANCIAL REALTY TR   COMMON STOCK     02607P305       26     1500 SH       OTHER                  1500        0        0
AMERICAN INTERNATIONAL GROUP I COMMON STOCK     026874107     8115   122430 SH       DEFINED              121069        0     1361
AMERICAN INTERNATIONAL GROUP I COMMON STOCK     026874107     2911    43926 SH       OTHER                 43751        0      175
AMERICAN MORTGAGE ACCEPTANCE C COMMON STOCK     027568104        6      348 SH       DEFINED                 348        0        0
AMERICAN MORTGAGE ACCEPTANCE C COMMON STOCK     027568104        9      570 SH       OTHER                   570        0        0
AMERICAN PWR CONVERSION CORP   COMMON STOCK     029066107      305    12444 SH       DEFINED               11494        0      950
AMERICAN PWR CONVERSION CORP   COMMON STOCK     029066107       53     2150 SH       OTHER                  2150        0        0
AMERISOURCEBERGEN CORP         COMMON STOCK     03073E105       24      434 SH       DEFINED                 434        0        0
AMERON INTERNATIONAL CORP      COMMON STOCK     030710107       10      300 SH       DEFINED                 300        0        0
AMERUS GROUP CO                COMMON STOCK     03072M108        4      112 SH       DEFINED                 112        0        0
AMERUS GROUP CO                COMMON STOCK     03072M108        2       64 SH       OTHER                    64        0        0
AMGEN INC                      COMMON STOCK     031162100       57      916 SH       DEFINED                 916        0        0
AMGEN INC                      COMMON STOCK     031162100      263     4261 SH       OTHER                  4261        0        0
AMR CORP DEL                   COMMON STOCK     001765106        1      106 SH       DEFINED                 106        0        0
AMSOUTH BANCORPORATION         COMMON STOCK     032165102     5611   229039 SH       DEFINED              173458        0    55581
AMSOUTH BANCORPORATION         COMMON STOCK     032165102     2769   113033 SH       OTHER                112183        0      850
ANADARKO PETE CORP             COMMON STOCK     032511107       66     1302 SH       DEFINED                1302        0        0
ANADARKO PETE CORP             COMMON STOCK     032511107      272     5339 SH       OTHER                  5339        0        0
ANALOG DEVICES INC             COMMON STOCK     032654105       10      229 SH       DEFINED                 229        0        0
ANALOG DEVICES INC             COMMON STOCK     032654105        8      175 SH       OTHER                     0        0      175
ANDREW CORP                    COMMON STOCK     034425108      257    22188 SH       DEFINED               22188        0        0
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103      864    16395 SH       DEFINED               16270        0      125
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103     1048    19892 SH       OTHER                 19542        0      350
ANNALY MTG MGMT INC COM        COMMON STOCK     035710409        8      430 SH       DEFINED                 430        0        0
AON CORP                       COMMON STOCK     037389103        4      185 SH       DEFINED                 185        0        0
APOLLO GROUP INC CLASS A       COMMON STOCK     037604105        2       34 SH       DEFINED                  34        0        0
APPLE COMPUTER INC             COMMON STOCK     037833100        6      265 SH       DEFINED                 265        0        0
APPLERA CORP-APPLIED BIOSYS    COMMON STOCK     038020103       16      750 SH       OTHER                   750        0        0
APPLERA CORP-CELERA GENOMICS   COMMON STOCK     038020202        7      500 SH       DEFINED                 500        0        0
APPLERA CORP-CELERA GENOMICS   COMMON STOCK     038020202        3      200 SH       OTHER                   200        0        0
APPLIED MATERIALS INC          COMMON STOCK     038222105      723    32210 SH       DEFINED               31060        0     1150
APPLIED MATERIALS INC          COMMON STOCK     038222105      142     6350 SH       OTHER                  6100        0      250
APPLIED MICRO CIRCUITS CORP CD COMMON STOCK     03822W109       10     1600 SH       OTHER                  1600        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102      253    16625 SH       DEFINED               16625        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102      131     8592 SH       OTHER                  8592        0        0
ARROW ELECTRS INC              COMMON STOCK     042735100       73     3163 SH       DEFINED                3163        0        0
ARVINMERITOR INC               COMMON STOCK     043353101       20      817 SH       OTHER                   817        0        0
ASHLAND INC                    COMMON STOCK     044204105        4      100 SH       DEFINED                 100        0        0
ASTEC INDS INC COM             COMMON STOCK     046224101        2      200 SH       DEFINED                 200        0        0
AT&T CORP NEW                  COMMON STOCK     001957505      166     8168 SH       DEFINED                8102        0       66
AT&T CORP NEW                  COMMON STOCK     001957505      100     4912 SH       OTHER                  4827        0       85
AT&T WIRELESS SERVICES         COMMON STOCK     00209A106       63     7835 SH       DEFINED                7730        0      105
AT&T WIRELESS SERVICES         COMMON STOCK     00209A106       32     4016 SH       OTHER                  3959        0       57
ATLANTIS PLASTICS INC          COMMON STOCK     049156102      197    16300 SH       DEFINED               16300        0        0
ATMOS ENERGY CORP              COMMON STOCK     049560105      239     9830 SH       DEFINED                9830        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      390     9850 SH       DEFINED                9850        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      315     7957 SH       OTHER                  7957        0        0
AUTOZONE INC                   COMMON STOCK     053332102       85     1000 SH       DEFINED                1000        0        0
AUTOZONE INC                   COMMON STOCK     053332102       43      500 SH       OTHER                   500        0        0
AVANEX CORP                    COMMON STOCK     05348W109       30     6000 SH       DEFINED                6000        0        0
AVAYA INC                      COMMON STOCK     053499109        7      579 SH       DEFINED                 579        0        0
AVAYA INC                      COMMON STOCK     053499109        6      444 SH       OTHER                   439        0        5
AVON PRODUCTS INC              COMMON STOCK     054303102      557     8260 SH       DEFINED                8260        0        0
AVON PRODUCTS INC              COMMON STOCK     054303102      123     1825 SH       OTHER                  1825        0        0
AXCELIS TECHNOLOGIES INC       COMMON STOCK     054540109       47     4597 SH       DEFINED                4597        0        0
BACK YARD BURGERS INC          COMMON STOCK     05635W101        6     1000 SH       DEFINED                1000        0        0
BAKER HUGHES INC               COMMON STOCK     057224107        8      258 SH       DEFINED                 258        0        0
BAKER HUGHES INC               COMMON STOCK     057224107       32     1000 SH       OTHER                  1000        0        0
BANDAG INC                     COMMON STOCK     059815100        8      200 SH       DEFINED                 200        0        0
BANK AMERICA CORP              COMMON STOCK     060505104     1953    24287 SH       DEFINED               22861        0     1426
BANK AMERICA CORP              COMMON STOCK     060505104     1411    17549 SH       OTHER                 17549        0        0
BANK NEW YORK INC              COMMON STOCK     064057102       89     2699 SH       DEFINED                2699        0        0
BANK ONE CORP                  COMMON STOCK     06423A103     1463    32093 SH       DEFINED               30045        0     2048
BANK ONE CORP                  COMMON STOCK     06423A103      409     8962 SH       OTHER                  8962        0        0
BANKUNITED FINL CORP CL A      COMMON STOCK     06652B103      108     4200 SH       OTHER                  4200        0        0
BARD CR INC                    COMMON STOCK     067383109      407     5015 SH       DEFINED                5015        0        0
BARD CR INC                    COMMON STOCK     067383109      280     3440 SH       OTHER                  3440        0        0
BAXTER INTL INC                COMMON STOCK     071813109      502    16453 SH       DEFINED               15503        0      950
BAXTER INTL INC                COMMON STOCK     071813109      968    31730 SH       OTHER                 31730        0        0
BB&T CORPORATION               COMMON STOCK     054937107      400    10357 SH       DEFINED               10357        0        0
BB&T CORPORATION               COMMON STOCK     054937107      404    10445 SH       OTHER                 10445        0        0
BECTON DICKINSON               COMMON STOCK     075887109      284     6900 SH       DEFINED                6200        0      700
BECTON DICKINSON               COMMON STOCK     075887109       66     1600 SH       OTHER                  1600        0        0
BED BATH & BEYOND INC          COMMON STOCK     075896100       12      275 SH       DEFINED                 275        0        0
BELDEN INC                     COMMON STOCK     077459105      174     8250 SH       DEFINED                8250        0        0
BELDEN INC                     COMMON STOCK     077459105       36     1700 SH       OTHER                  1700        0        0
BELLSOUTH CORP                 COMMON STOCK     079860102     3830   135335 SH       DEFINED              129335        0     6000
BELLSOUTH CORP                 COMMON STOCK     079860102     4496   158870 SH       OTHER                157494        0     1376
BELO CORPORATION               COMMON STOCK     080555105      136     4800 SH       DEFINED                4800        0        0
BELO CORPORATION               COMMON STOCK     080555105       23      800 SH       OTHER                   800        0        0
BERKSHIRE HATHAWAY INC CLASS A COMMON STOCK     084670108       84        1 SH       DEFINED                   1        0        0
BERKSHIRE HATHAWAY INC--CL B   COMMON STOCK     084670207      234       83 SH       DEFINED                  83        0        0
BERKSHIRE HATHAWAY INC--CL B   COMMON STOCK     084670207      110       39 SH       OTHER                    39        0        0
BEST BUY COMPANY INC           COMMON STOCK     086516101      215     4125 SH       DEFINED                3675        0      450
BEST BUY COMPANY INC           COMMON STOCK     086516101       63     1205 SH       OTHER                  1205        0        0
BIO RAD LABS INC CL A          COMMON STOCK     090572207      133     2300 SH       DEFINED                2300        0        0
BIOGEN IDEC INC                COMMON STOCK     09062X103       18      492 SH       DEFINED                 492        0        0
BIOGEN IDEC INC                COMMON STOCK     09062X103       14      373 SH       OTHER                   115        0      258
BIOMET INC                     COMMON STOCK     090613100       16      450 SH       DEFINED                 450        0        0
BIOTECH HOLDERS TRUST          COMMON STOCK     09067D201       81      600 SH       DEFINED                 600        0        0
BISYS GROUP INC                COMMON STOCK     055472104        6      385 SH       DEFINED                 385        0        0
BLACK HILLS CORP               COMMON STOCK     092113109       13      450 SH       DEFINED                 450        0        0
BLOCK H & R INC                COMMON STOCK     093671105       94     1700 SH       DEFINED                1700        0        0
BOEING CO                      COMMON STOCK     097023105      840    19925 SH       DEFINED               19675        0      250
BOEING CO                      COMMON STOCK     097023105     1171    27780 SH       OTHER                 27780        0        0
BOWATER INC                    COMMON STOCK     102183100       15      331 SH       DEFINED                 331        0        0
BRIGGS & STRATTON CORP         COMMON STOCK     109043109       27      400 SH       OTHER                   400        0        0
BRINKER INTL INC               COMMON STOCK     109641100       30      900 SH       DEFINED                 900        0        0
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108     4500   157344 SH       DEFINED              153969        0     3375
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108     4788   167406 SH       OTHER                167406        0        0
BRUNSWICK CORP                 COMMON STOCK     117043109        3      100 SH       DEFINED                 100        0        0
BUCKEYE TECHNOLOGIES INC       COMMON STOCK     118255108       37     3725 SH       DEFINED                3725        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104       10      300 SH       DEFINED                 300        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104       26      816 SH       OTHER                   816        0        0
BURLINGTON RES INC             COMMON STOCK     122014103        1       20 SH       DEFINED                  20        0        0
CABOT CORP                     COMMON STOCK     127055101        1       21 SH       OTHER                    21        0        0
CABOT MICROELECTRONICS CORP    COMMON STOCK     12709P103        0        7 SH       OTHER                     7        0        0
CADENCE DESIGN SYSTEMS INC     COMMON STOCK     127387108        3      156 SH       DEFINED                 156        0        0
CALLON PETE CO DEL             COMMON STOCK     13123X102        2      213 SH       DEFINED                 213        0        0
CALPINE CORP                   COMMON STOCK     131347106       77    16000 SH       DEFINED               16000        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109        3      100 SH       DEFINED                 100        0        0
CAPITAL ONE FINL CORP          COMMON STOCK     14040H105     5994    97797 SH       DEFINED               97797        0        0
CAPITAL ONE FINL CORP          COMMON STOCK     14040H105     1039    16960 SH       OTHER                 16960        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108     4533    74120 SH       DEFINED               74120        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108     1550    25350 SH       OTHER                 25275        0       75
CAREMARK RX INC                COMMON STOCK     141705103       20      771 SH       OTHER                   771        0        0
CARMAX INC                     COMMON STOCK     143130102        4      125 SH       OTHER                   125        0        0
CASCADE CORP                   COMMON STOCK     147195101      290    13000 SH       DEFINED               13000        0        0
CATERPILLAR INC                COMMON STOCK     149123101      145     1747 SH       DEFINED                1747        0        0
CATERPILLAR INC                COMMON STOCK     149123101      320     3850 SH       OTHER                  3850        0        0
CBRL GROUP INC COM             COMMON STOCK     12489V106       38     1000 SH       DEFINED                1000        0        0
CBRL GROUP INC COM             COMMON STOCK     12489V106      109     2837 SH       OTHER                  2837        0        0
CEDAR FAIR LP                  COMMON STOCK     150185106       92     3000 SH       OTHER                  3000        0        0
CENDANT CORP                   COMMON STOCK     151313103      495    22233 SH       DEFINED               20208        0     2025
CENDANT CORP                   COMMON STOCK     151313103      106     4750 SH       OTHER                  4750        0        0
CENTERPOINT ENERGY INC         COMMON STOCK     15189T107       21     2174 SH       DEFINED                2174        0        0
CENTERPOINT ENERGY INC         COMMON STOCK     15189T107       28     2850 SH       OTHER                  2650        0      200
CERTEGY INC                    COMMON STOCK     156880106        3      100 SH       OTHER                   100        0        0
CHARTER ONE FINANCIAL INC.     COMMON STOCK     160903100       47     1350 SH       OTHER                  1350        0        0
CHATTEM INC COM                COMMON STOCK     162456107        1       50 SH       DEFINED                  50        0        0
CHATTEM INC COM                COMMON STOCK     162456107       11      600 SH       OTHER                   600        0        0
CHEVRONTEXACO CORP             COMMON STOCK     166764100     3435    39756 SH       DEFINED               39002        0      754
CHEVRONTEXACO CORP             COMMON STOCK     166764100     3086    35720 SH       OTHER                 35720        0        0
CHOICEPOINT INC                COMMON STOCK     170388102       17      440 SH       DEFINED                 440        0        0
CHOICEPOINT INC                COMMON STOCK     170388102        2       40 SH       OTHER                    40        0        0
CHUBB CORP                     COMMON STOCK     171232101      506     7425 SH       DEFINED                6750        0      675
CHUBB CORP                     COMMON STOCK     171232101      104     1525 SH       OTHER                  1525        0        0
CIENA CORP                     COMMON STOCK     171779101        2      250 SH       OTHER                   250        0        0
CIGNA CORP                     COMMON STOCK     125509109       38      654 SH       DEFINED                 654        0        0
CIGNA CORP                     COMMON STOCK     125509109      208     3615 SH       OTHER                  3615        0        0
CINERGY CORP                   COMMON STOCK     172474108       57     1464 SH       DEFINED                1464        0        0
CIRCUIT CITY STORES INC        COMMON STOCK     172737108        4      400 SH       OTHER                   400        0        0
CISCO SYSTEMS INC              COMMON STOCK     17275R102     3112   128426 SH       DEFINED              126126        0     2300
CISCO SYSTEMS INC              COMMON STOCK     17275R102     1880    77582 SH       OTHER                 76786        0      796
CIT GROUP INC                  COMMON STOCK     125581108       13      362 SH       DEFINED                 362        0        0
CITIGROUP INC                  COMMON STOCK     172967101     2660    54805 SH       DEFINED               53739        0     1066
CITIGROUP INC                  COMMON STOCK     172967101     1568    32307 SH       OTHER                 31667        0      640
CITIZENS COMMUNICATIONS CO     COMMON STOCK     17453B101       13     1014 SH       DEFINED                1014        0        0
CLAIRES STORES INC             COMMON STOCK     179584107      191    10150 SH       DEFINED               10150        0        0
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK     184502102       40      844 SH       DEFINED                 844        0        0
CLOROX CO                      COMMON STOCK     189054109       47      967 SH       DEFINED                 967        0        0
CMG INFORMATION SVCS           COMMON STOCK     125750109        1      500 SH       OTHER                   500        0        0
COCA COLA CO                   COMMON STOCK     191216100     5977   117771 SH       DEFINED               99271        0    18500
COCA COLA CO                   COMMON STOCK     191216100     8641   170259 SH       OTHER                168109        0     2150
COCA COLA ENTERPRISES INC      COMMON STOCK     191219104        7      300 SH       DEFINED                   0        0      300
COLGATE PALMOLIVE CO           COMMON STOCK     194162103     1668    33320 SH       DEFINED               33320        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103      930    18589 SH       OTHER                 18589        0        0
COMCAST CORP-CL A              COMMON STOCK     20030N101      502    15295 SH       DEFINED               14939        0      356
COMCAST CORP-CL A              COMMON STOCK     20030N101      461    14074 SH       OTHER                 13937        0      137
COMCAST CORP-SPECIAL CL A      COMMON STOCK     20030N200     6009   192029 SH       DEFINED              190279        0     1750
COMCAST CORP-SPECIAL CL A      COMMON STOCK     20030N200     1448    46273 SH       OTHER                 46273        0        0
COMERICA INC                   COMMON STOCK     200340107       17      302 SH       DEFINED                 302        0        0
COMERICA INC                   COMMON STOCK     200340107      139     2475 SH       OTHER                  2475        0        0
COMMERCESOUTH INC              COMMON STOCK     200858108        1       40 SH       OTHER                    40        0        0
COMPASS BANCSHARES INC         COMMON STOCK     20449H109       35      900 SH       OTHER                   900        0        0
COMPUTER ASSOC INTL INC        COMMON STOCK     204912109       18      676 SH       DEFINED                 676        0        0
COMPUTER ASSOC INTL INC        COMMON STOCK     204912109       27      996 SH       OTHER                   996        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      320     7235 SH       DEFINED                7235        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104       94     2125 SH       OTHER                  2125        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102       84     3200 SH       DEFINED                3200        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102      366    13850 SH       OTHER                 13850        0        0
CONCORD EFS INC                COMMON STOCK     206197105       60     4050 SH       DEFINED                4050        0        0
CONCORD EFS INC                COMMON STOCK     206197105       24     1621 SH       OTHER                  1621        0        0
CONOCOPHILLIPS                 COMMON STOCK     20825C104      222     3383 SH       DEFINED                3269        0      114
CONOCOPHILLIPS                 COMMON STOCK     20825C104      356     5424 SH       OTHER                  5214        0      210
CONSECO INC                    COMMON STOCK     208464883        0       19 SH       OTHER                    19        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104      114     2650 SH       OTHER                  2650        0        0
CONSTELLATION BRANDS INC       COMMON STOCK     21036P108       12      350 SH       DEFINED                 350        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       16      405 SH       DEFINED                 405        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       39     1000 SH       OTHER                  1000        0        0
CONSUMER DISCRETIONARY/SELECT  COMMON STOCK     81369Y407      221     7025 SH       DEFINED                7025        0        0
CONSUMER DISCRETIONARY/SELECT  COMMON STOCK     81369Y407       21      675 SH       OTHER                   675        0        0
CONSUMER STAPLES SELECT SECTOR COMMON STOCK     81369Y308      634    29110 SH       DEFINED               29110        0        0
CONSUMER STAPLES SELECT SECTOR COMMON STOCK     81369Y308      192     8796 SH       OTHER                  8796        0        0
CORN PRODS INTL INC            COMMON STOCK     219023108       14      400 SH       OTHER                   400        0        0
CORNING INC                    COMMON STOCK     219350105       64     6102 SH       DEFINED                6102        0        0
CORNING INC                    COMMON STOCK     219350105      237    22770 SH       OTHER                 22770        0        0
CORRECTIONS CORP AMER NEW      COMMON STOCK     22025Y407       56     1936 SH       DEFINED                1936        0        0
COSTCO WHOLESALE CORP NEW      COMMON STOCK     22160K105     5940   159770 SH       DEFINED              159020        0      750
COSTCO WHOLESALE CORP NEW      COMMON STOCK     22160K105     1311    35264 SH       OTHER                 35064        0      200
COX COMMUNICATIONS INC-CL A    COMMON STOCK     224044107      268     7775 SH       DEFINED                7175        0      600
COX COMMUNICATIONS INC-CL A    COMMON STOCK     224044107       96     2796 SH       OTHER                  2796        0        0
CROMPTON CORP                  COMMON STOCK     227116100        3      415 SH       OTHER                   415        0        0
CROWN HOLDINGS INC             COMMON STOCK     228368106        9     1000 SH       OTHER                  1000        0        0
CSX CORP                       COMMON STOCK     126408103      403    11200 SH       DEFINED                9112        0     2088
CSX CORP                       COMMON STOCK     126408103      199     5544 SH       OTHER                  5544        0        0
CTI MOLECULAR IMAGING INC      COMMON STOCK     22943D105        2      100 SH       OTHER                   100        0        0
CVS CORP                       COMMON STOCK     126650100       12      335 SH       DEFINED                 335        0        0
CVS CORP                       COMMON STOCK     126650100       94     2600 SH       OTHER                  2600        0        0
DANA CORP                      COMMON STOCK     235811106        6      350 SH       DEFINED                 350        0        0
DANAHER CORP                   COMMON STOCK     235851102       72      785 SH       DEFINED                 785        0        0
DANAHER CORP                   COMMON STOCK     235851102      229     2500 SH       OTHER                  2500        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105       42     2001 SH       DEFINED                2001        0        0
DEAN FOODS CO                  COMMON STOCK     242370104       23      700 SH       DEFINED                 700        0        0
DEAN FOODS CO                  COMMON STOCK     242370104      554    16857 SH       OTHER                 16857        0        0
DEERE & CO                     COMMON STOCK     244199105      501     7700 SH       DEFINED                7700        0        0
DEERE & CO                     COMMON STOCK     244199105      241     3700 SH       OTHER                  3700        0        0
DEL MONTE FOODS CO             COMMON STOCK     24522P103        9      889 SH       DEFINED                 889        0        0
DEL MONTE FOODS CO             COMMON STOCK     24522P103        1      133 SH       OTHER                   133        0        0
DELL INC                       COMMON STOCK     24702R101      748    22007 SH       DEFINED               20757        0     1250
DELL INC                       COMMON STOCK     24702R101      263     7750 SH       OTHER                  7475        0      275
DELPHI CORPORATION             COMMON STOCK     247126105       16     1598 SH       DEFINED                1598        0        0
DELPHI CORPORATION             COMMON STOCK     247126105       46     4551 SH       OTHER                  4412        0      139
DELTA AIR LINES INC            COMMON STOCK     247361108       12     1000 SH       DEFINED                1000        0        0
DELTA AIR LINES INC            COMMON STOCK     247361108        2      210 SH       OTHER                   210        0        0
DELTA NAT GAS INC              COMMON STOCK     247748106       12      500 SH       DEFINED                 500        0        0
DELUXE CORP                    COMMON STOCK     248019101      112     2700 SH       OTHER                  2700        0        0
DEVON ENERGY CORPORATION NEW   COMMON STOCK     25179M103        2       40 SH       DEFINED                  40        0        0
DEVON ENERGY CORPORATION NEW   COMMON STOCK     25179M103       11      184 SH       OTHER                   184        0        0
DIAL CORP NEW                  COMMON STOCK     25247D101       14      508 SH       DEFINED                 508        0        0
DIAMONDS TRUST SERIES I        COMMON STOCK     252787106     2072    19817 SH       DEFINED               19617        0      200
DIAMONDS TRUST SERIES I        COMMON STOCK     252787106     1602    15320 SH       OTHER                 15220        0      100
DISNEY WALT CO NEW             COMMON STOCK     254687106     1022    43807 SH       DEFINED               42457        0     1350
DISNEY WALT CO NEW             COMMON STOCK     254687106      539    23100 SH       OTHER                 23100        0        0
DOLLAR GEN CORP                COMMON STOCK     256669102      210     9987 SH       DEFINED                9987        0        0
DOLLAR GEN CORP                COMMON STOCK     256669102       28     1343 SH       OTHER                  1343        0        0
DOLLAR TREE STORES INC         COMMON STOCK     256747106        4      125 SH       DEFINED                 125        0        0
DOMINION RESOURCES INC VA      COMMON STOCK     25746U109      118     1852 SH       DEFINED                1852        0        0
DOMINION RESOURCES INC VA      COMMON STOCK     25746U109      401     6288 SH       OTHER                  6288        0        0
DOVER CORP                     COMMON STOCK     260003108       43     1075 SH       DEFINED                1075        0        0
DOVER CORP                     COMMON STOCK     260003108      473    11895 SH       OTHER                 11895        0        0
DOW CHEMICAL COMPANY           COMMON STOCK     260543103     1496    35983 SH       DEFINED               35053        0      930
DOW CHEMICAL COMPANY           COMMON STOCK     260543103     1807    43473 SH       OTHER                 43473        0        0
DOW JONES & CO INC             COMMON STOCK     260561105      329     6600 SH       OTHER                  6600        0        0
DTE ENERGY CO                  COMMON STOCK     233331107       30      762 SH       DEFINED                 762        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     1780    38783 SH       DEFINED               37366        0     1417
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     1641    35762 SH       OTHER                 35762        0        0
DUKE ENERGY CORP               COMMON STOCK     264399106      702    34323 SH       DEFINED               32818        0     1505
DUKE ENERGY CORP               COMMON STOCK     264399106      459    22424 SH       OTHER                 22295        0      129
DUN & BRADSTREET CORP DEL NEW  COMMON STOCK     26483E100       15      300 SH       DEFINED                 300        0        0
DUN & BRADSTREET CORP DEL NEW  COMMON STOCK     26483E100       27      537 SH       OTHER                   537        0        0
EARTHLINK INC                  COMMON STOCK     270321102       62     6213 SH       DEFINED                6213        0        0
EASTMAN CHEMICAL CO            COMMON STOCK     277432100       10      256 SH       DEFINED                 256        0        0
EASTMAN CHEMICAL CO            COMMON STOCK     277432100       12      300 SH       OTHER                   300        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109       92     3600 SH       DEFINED                3600        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109       43     1664 SH       OTHER                  1664        0        0
EATON CORP                     COMMON STOCK     278058102      619     5731 SH       DEFINED                5731        0        0
EATON VANCE CORP               COMMON STOCK     278265103      169     4600 SH       OTHER                  4600        0        0
ECHOSTAR COMMUNICATIONS CORP   COMMON STOCK     278762109       15      450 SH       DEFINED                 450        0        0
EDISON INTERNATIONAL           COMMON STOCK     281020107       44     2000 SH       OTHER                  2000        0        0
EDWARDS LIFESCIENCES CORP      COMMON STOCK     28176E108       13      419 SH       DEFINED                 419        0        0
EDWARDS LIFESCIENCES CORP      COMMON STOCK     28176E108       49     1634 SH       OTHER                  1634        0        0
EL PASO CORPORATION            COMMON STOCK     28336L109       87    10678 SH       DEFINED               10678        0        0
EL PASO CORPORATION            COMMON STOCK     28336L109       83    10137 SH       OTHER                 10137        0        0
ELECTRONIC DATA SYS CORP NEW   COMMON STOCK     285661104      417    17000 SH       DEFINED               17000        0        0
ELECTRONIC DATA SYS CORP NEW   COMMON STOCK     285661104      519    21149 SH       OTHER                 20874        0      275
EMC CORP/MASS                  COMMON STOCK     268648102     3000   232215 SH       DEFINED              232215        0        0
EMC CORP/MASS                  COMMON STOCK     268648102      773    59840 SH       OTHER                 59565        0      275
EMERSON ELEC CO                COMMON STOCK     291011104     1039    16050 SH       DEFINED               14850        0     1200
EMERSON ELEC CO                COMMON STOCK     291011104     1029    15892 SH       OTHER                 15892        0        0
ENBRIDGE ENERGY PARTNERS LP    COMMON STOCK     29250R106       27      550 SH       DEFINED                 550        0        0
ENERGIZER HLDGS INC            COMMON STOCK     29266R108        4       99 SH       DEFINED                  99        0        0
ENERGIZER HLDGS INC            COMMON STOCK     29266R108        7      198 SH       OTHER                   198        0        0
ENERGY SELECT SECTOR SPDR      COMMON STOCK     81369Y506      214     7770 SH       DEFINED                7770        0        0
ENERGY SELECT SECTOR SPDR      COMMON STOCK     81369Y506      115     4169 SH       OTHER                  4169        0        0
ENGELHARD CORP                 COMMON STOCK     292845104       20      675 SH       OTHER                   675        0        0
ENPRO INDUSTRIES INC           COMMON STOCK     29355X107        2      140 SH       DEFINED                 140        0        0
ENSCO INTERNATIONAL INC        COMMON STOCK     26874Q100       27     1000 SH       DEFINED                1000        0        0
ENTERGY CORP                   COMMON STOCK     29364G103       17      300 SH       DEFINED                 300        0        0
ENTERPRISE PRODS PARTNERS LP   COMMON STOCK     293792107       25     1000 SH       DEFINED                1000        0        0
EOG RES INC                    COMMON STOCK     26875P101       23      500 SH       DEFINED                 500        0        0
EQUIFAX INC                    COMMON STOCK     294429105     1208    49310 SH       DEFINED               49310        0        0
EQUIFAX INC                    COMMON STOCK     294429105      106     4321 SH       OTHER                  4321        0        0
EQUITABLE RES INC              COMMON STOCK     294549100      279     6500 SH       OTHER                  6500        0        0
EQUITY RESIDENTIAL PPTYS TR    COMMON STOCK     29476L107       53     1794 SH       DEFINED                1794        0        0
EXELON CORP                    COMMON STOCK     30161N101       42      638 SH       DEFINED                 638        0        0
EXELON CORP                    COMMON STOCK     30161N101        9      133 SH       OTHER                   133        0        0
EXPEDITORS INTL WASH INC       COMMON STOCK     302130109        4      100 SH       DEFINED                 100        0        0
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102    13464   328382 SH       DEFINED              321019        0     7363
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102    19408   473372 SH       OTHER                467994        0     5378
FAIRCHILD SEMICONDUCTOR INTL I COMMON STOCK     303726103      125     5000 SH       DEFINED                5000        0        0
FAMILY DLR STORES INC          COMMON STOCK     307000109       79     2200 SH       OTHER                  2200        0        0
FARMERS CAP BK CORP COM        COMMON STOCK     309562106     1071    31500 SH       DEFINED                   0        0    31500
FEDERAL HOME LOAN MORTGAGE COM COMMON STOCK     313400301     1795    30772 SH       DEFINED               30697        0       75
FEDERAL HOME LOAN MORTGAGE COM COMMON STOCK     313400301      652    11177 SH       OTHER                 11177        0        0
FEDERATED DEPT STORES INC      COMMON STOCK     31410H101     1254    26610 SH       DEFINED               26510        0      100
FEDERATED DEPT STORES INC      COMMON STOCK     31410H101      489    10375 SH       OTHER                 10375        0        0
FEDEX CORPORATION              COMMON STOCK     31428X106      353     5235 SH       DEFINED                4785        0      450
FEDEX CORPORATION              COMMON STOCK     31428X106      353     5230 SH       OTHER                  5230        0        0
FERRELLGAS PARTNERS L.P.       COMMON STOCK     315293100       24     1000 SH       OTHER                  1000        0        0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107      450    11605 SH       DEFINED               11605        0        0
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107      194     5015 SH       OTHER                  5015        0        0
FIFTH THIRD BANCORP            COMMON STOCK     316773100     1188    20106 SH       DEFINED               20106        0        0
FIFTH THIRD BANCORP            COMMON STOCK     316773100      328     5557 SH       OTHER                  5094        0      463
FINANCIAL SELECT SECTOR SPDR   COMMON STOCK     81369Y605      383    13600 SH       DEFINED               13600        0        0
FINANCIAL SELECT SECTOR SPDR   COMMON STOCK     81369Y605      102     3630 SH       OTHER                  3630        0        0
FIRST AMERICAN CORP            COMMON STOCK     318522307        9      300 SH       DEFINED                 300        0        0
FIRST DATA CORP                COMMON STOCK     319963104      589    14324 SH       DEFINED               13424        0      900
FIRST DATA CORP                COMMON STOCK     319963104      129     3150 SH       OTHER                  3150        0        0
FIRST FINANCIAL HOLDINGS INC   COMMON STOCK     320239106       63     2000 SH       DEFINED                2000        0        0
FIRST HEALTH GROUP CORP        COMMON STOCK     320960107        7      375 SH       OTHER                   375        0        0
FIRST TENNESSEE NATIONAL CORP  COMMON STOCK     337162101    55309  1254161 SH       DEFINED             1245380        0     8781
FIRST TENNESSEE NATIONAL CORP  COMMON STOCK     337162101    30791   698215 SH       OTHER                698215        0        0
FIRSTENERGY CORP               COMMON STOCK     337932107       14      400 SH       DEFINED                 400        0        0
FIRSTENERGY CORP               COMMON STOCK     337932107        6      178 SH       OTHER                   178        0        0
FISHER SCIENTIFIC INTL INC     COMMON STOCK     338032204        8      200 SH       DEFINED                 200        0        0
FLEET BOSTON FINANCIAL CORP    COMMON STOCK     339030108     1980    45366 SH       DEFINED               44116        0     1250
FLEET BOSTON FINANCIAL CORP    COMMON STOCK     339030108      737    16876 SH       OTHER                 16876        0        0
FLOWERS FOODS INC              COMMON STOCK     343498101        8      306 SH       DEFINED                 306        0        0
FLUOR CORP NEW                 COMMON STOCK     343412102      209     5275 SH       DEFINED                4775        0      500
FLUOR CORP NEW                 COMMON STOCK     343412102       39      980 SH       OTHER                   980        0        0
FNMA                           COMMON STOCK     313586109     5542    73840 SH       DEFINED               73290        0      550
FNMA                           COMMON STOCK     313586109     1773    23625 SH       OTHER                 23625        0        0
FOOT LOCKER INC                COMMON STOCK     344849104       13      568 SH       OTHER                   568        0        0
FORD MOTOR CO DEL 'NEW'        COMMON STOCK     345370860      211    13217 SH       DEFINED               13217        0        0
FORD MOTOR CO DEL 'NEW'        COMMON STOCK     345370860      138     8595 SH       OTHER                  8595        0        0
FOREST LABS INC                COMMON STOCK     345838106        9      150 SH       OTHER                     0        0      150
FORTUNE BRANDS INC             COMMON STOCK     349631101      172     2400 SH       DEFINED                2400        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101      118     1644 SH       OTHER                  1644        0        0
FORTUNE 500 INDEX FUND         COMMON STOCK     86330E885       30      385 SH       DEFINED                 385        0        0
FORTUNE 500 INDEX FUND         COMMON STOCK     86330E885      288     3640 SH       OTHER                  3640        0        0
FOX ENTMT GROUP INC CL A       COMMON STOCK     35138T107        8      282 SH       DEFINED                 282        0        0
FPL GROUP INC                  COMMON STOCK     302571104      490     7484 SH       DEFINED                7034        0      450
FPL GROUP INC                  COMMON STOCK     302571104      260     3975 SH       OTHER                  3975        0        0
FRANKLIN RESOURCES INC         COMMON STOCK     354613101      773    14850 SH       DEFINED               14850        0        0
FRANKLIN RESOURCES INC         COMMON STOCK     354613101      396     7608 SH       OTHER                  7608        0        0
GALLAGHER ARTHUR J & CO        COMMON STOCK     363576109       19      600 SH       DEFINED                 600        0        0
GALLAGHER ARTHUR J & CO        COMMON STOCK     363576109       19      600 SH       OTHER                   600        0        0
GANNETT INC                    COMMON STOCK     364730101      578     6480 SH       DEFINED                6480        0        0
GANNETT INC                    COMMON STOCK     364730101      596     6679 SH       OTHER                  6529        0      150
GAP INC                        COMMON STOCK     364760108       92     3980 SH       DEFINED                3980        0        0
GENCORP INC                    COMMON STOCK     368682100        6      552 SH       OTHER                   552        0        0
GENENTECH INC                  COMMON STOCK     368710406       29      306 SH       DEFINED                 306        0        0
GENERAL DYNAMICS CORP          COMMON STOCK     369550108       17      185 SH       DEFINED                 185        0        0
GENERAL ELECTRIC CORP          COMMON STOCK     369604103    16866   544411 SH       DEFINED              510576        0    33835
GENERAL ELECTRIC CORP          COMMON STOCK     369604103    18979   612634 SH       OTHER                611841        0      793
GENERAL MLS INC                COMMON STOCK     370334104      203     4491 SH       DEFINED                4291        0      200
GENERAL MLS INC                COMMON STOCK     370334104      668    14741 SH       OTHER                 14741        0        0
GENERAL MOTORS CORP            COMMON STOCK     370442105      757    14167 SH       DEFINED               14167        0        0
GENERAL MOTORS CORP            COMMON STOCK     370442105      578    10821 SH       OTHER                 10671        0      150
GENESEE & WYO INC CL A         COMMON STOCK     371559105       20      650 SH       DEFINED                 650        0        0
GENUINE PARTS CO               COMMON STOCK     372460105      143     4300 SH       DEFINED                4300        0        0
GENUINE PARTS CO               COMMON STOCK     372460105        8      252 SH       OTHER                   252        0        0
GENZYME CORP-GENERAL           COMMON STOCK     372917104       12      251 SH       DEFINED                 251        0        0
GEORGIA PACIFIC CORP           COMMON STOCK     373298108       25      800 SH       DEFINED                 800        0        0
GEORGIA PACIFIC CORP           COMMON STOCK     373298108       40     1310 SH       OTHER                  1310        0        0
GILLETTE CO                    COMMON STOCK     375766102      461    12539 SH       DEFINED               12014        0      525
GILLETTE CO                    COMMON STOCK     375766102      515    14009 SH       OTHER                 13800        0      209
GOLDMAN SACHS GROUP INC        COMMON STOCK     38141G104       15      154 SH       DEFINED                 154        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101        2      200 SH       OTHER                   200        0        0
GRAINGER W W INC               COMMON STOCK     384802104      772    16281 SH       DEFINED               16081        0      200
GRAINGER W W INC               COMMON STOCK     384802104      356     7509 SH       OTHER                  7509        0        0
GRANT PRIDECO INC              COMMON STOCK     38821G101        9      700 SH       DEFINED                 700        0        0
GREENE COUNTY BANCSHARES INC   COMMON STOCK     394361208        1       45 SH       DEFINED                  45        0        0
GUIDANT CORP                   COMMON STOCK     401698105       57      950 SH       DEFINED                 950        0        0
GUIDANT CORP                   COMMON STOCK     401698105       27      450 SH       OTHER                   350        0      100
GULFTERRA ENERGY PARTNERS LP   COMMON STOCK     40274U108       32      750 SH       DEFINED                 750        0        0
HAIN CELESTIAL GROUP INC       COMMON STOCK     405217100       13      550 SH       OTHER                   550        0        0
HALLIBURTON CO                 COMMON STOCK     406216101      132     5070 SH       DEFINED                5070        0        0
HALLIBURTON CO                 COMMON STOCK     406216101       62     2400 SH       OTHER                  2400        0        0
HANCOCK JOHN FINANCIAL SERVICE COMMON STOCK     41014S106        6      150 SH       DEFINED                 150        0        0
HANCOCK JOHN FINANCIAL SERVICE COMMON STOCK     41014S106       19      500 SH       OTHER                   500        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108     1196    25158 SH       DEFINED               25008        0      150
HARLEY DAVIDSON INC            COMMON STOCK     412822108      568    11960 SH       OTHER                 11960        0        0
HARRAHS ENTERTAINMENT INC      COMMON STOCK     413619107       25      500 SH       DEFINED                 500        0        0
HARTFORD FINL SVCS GROUP INC   COMMON STOCK     416515104      151     2550 SH       OTHER                  2550        0        0
HASBRO INC                     COMMON STOCK     418056107        9      425 SH       DEFINED                 425        0        0
HCA INC                        COMMON STOCK     404119109       14      318 SH       DEFINED                 318        0        0
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK     81369Y209      106     3500 SH       DEFINED                3500        0        0
HEARTLAND EXPRESS INC          COMMON STOCK     422347104       24     1000 SH       DEFINED                1000        0        0
HEINZ H J CO                   COMMON STOCK     423074103      181     4978 SH       DEFINED                4978        0        0
HEINZ H J CO                   COMMON STOCK     423074103       34      925 SH       OTHER                   925        0        0
HELMERICH & PAYNE INC          COMMON STOCK     423452101        9      340 SH       OTHER                   340        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108      231     3000 SH       OTHER                  3000        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103     3030   131920 SH       DEFINED              131920        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103     1119    48725 SH       OTHER                 48725        0        0
HIBERNIA CORP CL A             COMMON STOCK     428656102        7      303 SH       OTHER                   303        0        0
HILLENBRAND INDUSTRIES INC     COMMON STOCK     431573104       68     1094 SH       DEFINED                1094        0        0
HOME DEPOT INC                 COMMON STOCK     437076102     5558   156605 SH       DEFINED              153818        0     2787
HOME DEPOT INC                 COMMON STOCK     437076102     2292    64584 SH       OTHER                 64584        0        0
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106       89     2672 SH       DEFINED                1872        0      800
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106       94     2826 SH       OTHER                  2826        0        0
HORMEL FOODS CORP              COMMON STOCK     440452100        5      200 SH       OTHER                   200        0        0
HUBBELL INC CL B               COMMON STOCK     443510201       31      700 SH       DEFINED                 700        0        0
HUMAN GENOME SCIENCES INC      COMMON STOCK     444903108       40     3000 SH       DEFINED                3000        0        0
HUMANA INC                     COMMON STOCK     444859102       25     1105 SH       DEFINED                1105        0        0
IDACORP INC                    COMMON STOCK     451107106        6      200 SH       OTHER                   200        0        0
IHOP CORP                      COMMON STOCK     449623107       12      300 SH       DEFINED                 300        0        0
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109      317     3778 SH       DEFINED                3178        0      600
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109      156     1856 SH       OTHER                  1542        0      314
IMAGISTICS INTL INC            COMMON STOCK     45247T104        5      120 SH       OTHER                   120        0        0
IMATION CORP                   COMMON STOCK     45245A107       70     1980 SH       OTHER                  1980        0        0
IMS HEALTH INC                 COMMON STOCK     449934108       14      550 SH       OTHER                   550        0        0
INDUSTRIAL SELECT SECTOR SPDR  COMMON STOCK     81369Y704       33     1250 SH       OTHER                  1250        0        0
INFINITY PPTY & CAS CORP       COMMON STOCK     45665Q103       13      400 SH       DEFINED                 400        0        0
INTEL CORP                     COMMON STOCK     458140100    12572   392271 SH       DEFINED              383821        0     8450
INTEL CORP                     COMMON STOCK     458140100     6756   210795 SH       OTHER                210041        0      754
INTERACTIVE CORP               COMMON STOCK     45840Q101        8      230 SH       DEFINED                 230        0        0
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     4571    49315 SH       DEFINED               46751        0     2564
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     5570    60104 SH       OTHER                 59908        0      196
INTERNATIONAL FLAVORS & FRAGRA COMMON STOCK     459506101       21      600 SH       OTHER                   600        0        0
INTERNATIONAL GAME TECHNOLOGY  COMMON STOCK     459902102        7      200 SH       DEFINED                 200        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103      239     5534 SH       DEFINED                5534        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103      791    18342 SH       OTHER                 18342        0        0
INTERNET PICTURES CORP         COMMON STOCK     46059S200        0       27 SH       DEFINED                  27        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100       89     5700 SH       DEFINED                5700        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100       25     1605 SH       OTHER                  1605        0        0
INVESTORS FINL SERVICES CORP   COMMON STOCK     461915100       61     1600 SH       OTHER                  1600        0        0
INVITROGEN CORP                COMMON STOCK     46185R100        7       95 SH       DEFINED                  95        0        0
ISHARES COHEN & STEERS RLTY    COMMON STOCK     464287564       74      700 SH       DEFINED                 700        0        0
ISHARES COHEN & STEERS RLTY    COMMON STOCK     464287564       16      150 SH       OTHER                   150        0        0
ISHARES DJ JONES U.S. TECHNOLO COMMON STOCK     464287721      262     5400 SH       DEFINED                5400        0        0
ISHARES DJ US TELCOM SECTOR IN COMMON STOCK     464287713      230    10945 SH       DEFINED               10945        0        0
ISHARES DJ US TELCOM SECTOR IN COMMON STOCK     464287713       84     3987 SH       OTHER                  3987        0        0
ISHARES DJ US UTILITIES SECTOR COMMON STOCK     464287697        7      120 SH       OTHER                   120        0        0
ISHARES MSCI EAFE INDEX FUND   COMMON STOCK     464287465       53      390 SH       OTHER                   390        0        0
ISHARES NASDAQ BIOTECHNOLOGY I COMMON STOCK     464287556        8      110 SH       OTHER                   110        0        0
ISHARES RUSSELL 2000 INDEX FUN COMMON STOCK     464287655       33      300 SH       DEFINED                 300        0        0
ISHARES S&P 500/BARRA VALUE    COMMON STOCK     464287408      122     2200 SH       DEFINED                2200        0        0
ISHARES TRUST GS CORP BOND FUN COMMON STOCK     464287242       94      850 SH       DEFINED                 850        0        0
ISHARES TRUST GS CORP BOND FUN COMMON STOCK     464287242       61      550 SH       OTHER                   550        0        0
ISIS PHARMACEUTICALS           COMMON STOCK     464330109        1      100 SH       DEFINED                 100        0        0
ITT INDUSTRIES INC             COMMON STOCK     450911102      100     1350 SH       OTHER                  1350        0        0
J ALEXANDER'S CORP             COMMON STOCK     466096104        1      133 SH       OTHER                   133        0        0
JABIL CIRCUIT INC              COMMON STOCK     466313103        4      140 SH       DEFINED                 140        0        0
JABIL CIRCUIT INC              COMMON STOCK     466313103        6      210 SH       OTHER                   210        0        0
JACOBS ENGR GROUP INC          COMMON STOCK     469814107       58     1200 SH       DEFINED                1200        0        0
JANUS CAPITAL GROUP INC        COMMON STOCK     47102X105       92     5600 SH       DEFINED                5000        0      600
JDS UNIPHASE CORP              COMMON STOCK     46612J101        8     2150 SH       OTHER                  2150        0        0
JEFFERSON BANCSHARES INC       COMMON STOCK     472375104       59     4266 SH       OTHER                  4266        0        0
JEFFERSON PILOT CORP           COMMON STOCK     475070108        1       19 SH       DEFINED                  19        0        0
JM SMUCKER CO/THE-NEW          COMMON STOCK     832696405       28      621 SH       DEFINED                 460        0      161
JM SMUCKER CO/THE-NEW          COMMON STOCK     832696405       13      279 SH       OTHER                   279        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     5908   114368 SH       DEFINED               94818        0    19550
JOHNSON & JOHNSON              COMMON STOCK     478160104     4611    89258 SH       OTHER                 88929        0      329
JOHNSON CTLS INC               COMMON STOCK     478366107      130     1121 SH       DEFINED                1121        0        0
JOURNAL REGISTER CO            COMMON STOCK     481138105       19      900 SH       DEFINED                 900        0        0
JP MORGAN CHASE & CO           COMMON STOCK     46625H100     7810   212626 SH       DEFINED              210676        0     1950
JP MORGAN CHASE & CO           COMMON STOCK     46625H100     2905    79101 SH       OTHER                 78705        0      396
KANSAS CITY SOUTHERN           COMMON STOCK     485170302       11      750 SH       DEFINED                 600        0      150
KAYDON CORP                    COMMON STOCK     486587108        8      300 SH       DEFINED                 300        0        0
KAYDON CORP                    COMMON STOCK     486587108       26     1000 SH       OTHER                  1000        0        0
KELLOGG CO                     COMMON STOCK     487836108       65     1700 SH       DEFINED                1700        0        0
KELLOGG CO                     COMMON STOCK     487836108      297     7800 SH       OTHER                  7800        0        0
KERR MCGEE CORP                COMMON STOCK     492386107        7      153 SH       OTHER                   153        0        0
KEYCORP NEW                    COMMON STOCK     493267108       95     3244 SH       DEFINED                3244        0        0
KEYCORP NEW                    COMMON STOCK     493267108      246     8375 SH       OTHER                  8375        0        0
KEYSPAN CORP                   COMMON STOCK     49337W100        4      100 SH       DEFINED                 100        0        0
KEYSPAN CORP                   COMMON STOCK     49337W100        7      200 SH       OTHER                   200        0        0
KIMBERLY CLARK CORP            COMMON STOCK     494368103     1556    26328 SH       DEFINED               25928        0      400
KIMBERLY CLARK CORP            COMMON STOCK     494368103     1000    16928 SH       OTHER                 16928        0        0
KINDER MORGAN ENERGY PARTNERS  COMMON STOCK     494550106      708    14372 SH       DEFINED               14372        0        0
KINDER MORGAN ENERGY PARTNERS  COMMON STOCK     494550106      106     2150 SH       OTHER                  2150        0        0
KING PHARMACEUTICALS INC       COMMON STOCK     495582108       42     2765 SH       OTHER                  2765        0        0
KLA-TENCOR CORP                COMMON STOCK     482480100        3       59 SH       DEFINED                  59        0        0
KMART HOLDING CORP             COMMON STOCK     498780105        1       55 SH       DEFINED                  55        0        0
KOHLS CORP                     COMMON STOCK     500255104     2363    52583 SH       DEFINED               52583        0        0
KOHLS CORP                     COMMON STOCK     500255104      856    19050 SH       OTHER                 19050        0        0
KRAFT FOODS INC-A              COMMON STOCK     50075N104        1       36 SH       DEFINED                  36        0        0
KROGER CO                      COMMON STOCK     501044101       35     1880 SH       DEFINED                1880        0        0
KROGER CO                      COMMON STOCK     501044101      237    12800 SH       OTHER                 12800        0        0
LA-Z-BOY INC                   COMMON STOCK     505336107      241    11507 SH       DEFINED               11507        0        0
LA-Z-BOY INC                   COMMON STOCK     505336107       76     3641 SH       OTHER                  3641        0        0
LABORATORY CORP AMERICA HOLDIN COMMON STOCK     50540R409       11      300 SH       DEFINED                 300        0        0
LABORATORY CORP AMERICA HOLDIN COMMON STOCK     50540R409       20      550 SH       OTHER                   550        0        0
LEHMAN BROS HLDGS INC          COMMON STOCK     524908100       21      269 SH       DEFINED                 269        0        0
LIBERTY MEDIA CORP-A           COMMON STOCK     530718105       16     1362 SH       DEFINED                1362        0        0
LIFEPOINT HOSPS INC            COMMON STOCK     53219L109        0       16 SH       DEFINED                  16        0        0
LILLY ELI & CO                 COMMON STOCK     532457108      602     8563 SH       DEFINED                8138        0      425
LILLY ELI & CO                 COMMON STOCK     532457108      480     6825 SH       OTHER                  6825        0        0
LIMITED BRANDS INC             COMMON STOCK     532716107       26     1450 SH       DEFINED                1450        0        0
LINCOLN NATL CORP              COMMON STOCK     534187109      101     2500 SH       OTHER                  2500        0        0
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106       47     1120 SH       DEFINED                1120        0        0
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106        4      100 SH       OTHER                   100        0        0
LIZ CLAIBORNE INC              COMMON STOCK     539320101       24      675 SH       DEFINED                 675        0        0
LOCKHEED MARTIN CORP           COMMON STOCK     539830109      829    16124 SH       DEFINED               14724        0     1400
LOCKHEED MARTIN CORP           COMMON STOCK     539830109      465     9050 SH       OTHER                  9050        0        0
LOWES COS INC                  COMMON STOCK     548661107      234     4224 SH       DEFINED                4224        0        0
LOWES COS INC                  COMMON STOCK     548661107       78     1400 SH       OTHER                  1400        0        0
LSI LOGIC CORP                 COMMON STOCK     502161102        4      400 SH       DEFINED                 400        0        0
LSI LOGIC CORP                 COMMON STOCK     502161102        9     1000 SH       OTHER                  1000        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107      165    58230 SH       DEFINED               54005        0     4225
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107       66    23301 SH       OTHER                 23173        0      128
L3 COMMUNICATIONS HLDGS INCCOM COMMON STOCK     502424104       10      200 SH       DEFINED                 200        0        0
M D C HLDGS INC                COMMON STOCK     552676108       28      439 SH       DEFINED                 439        0        0
MAGELLAN PETE CORP             COMMON STOCK     559091301        0        4 SH       OTHER                     4        0        0
MANHATTAN ASSOCS INC COM       COMMON STOCK     562750109       28     1000 SH       DEFINED                1000        0        0
MANITOWOC INC                  COMMON STOCK     563571108       21      675 SH       DEFINED                 675        0        0
MARATHON OIL CORP              COMMON STOCK     565849106       30      900 SH       DEFINED                 900        0        0
MARKEL CORPORATION             COMMON STOCK     570535104       76      300 SH       DEFINED                 300        0        0
MARRIOTT INTL INC A            COMMON STOCK     571903202       32      700 SH       DEFINED                   0        0      700
MARSH & MCLENNAN COS INC       COMMON STOCK     571748102       39      807 SH       DEFINED                 807        0        0
MARSH & MCLENNAN COS INC       COMMON STOCK     571748102      117     2446 SH       OTHER                  2350        0       96
MARTEK BIOSCIENCES CORP        COMMON STOCK     572901106        7      100 SH       OTHER                   100        0        0
MARTHA STEWART LIVING OMNIMEDI COMMON STOCK     573083102        4      400 SH       OTHER                   400        0        0
MASCO CORP                     COMMON STOCK     574599106      471    17200 SH       DEFINED               17200        0        0
MASCO CORP                     COMMON STOCK     574599106     1127    41100 SH       OTHER                 41100        0        0
MASSEY ENERGY COMPANY          COMMON STOCK     576206106       15      700 SH       DEFINED                 700        0        0
MATERIALS SELECT SPDR FUND     COMMON STOCK     81369Y100      325    12164 SH       DEFINED               12164        0        0
MATERIALS SELECT SPDR FUND     COMMON STOCK     81369Y100      100     3731 SH       OTHER                  3731        0        0
MATTEL INC                     COMMON STOCK     577081102        6      297 SH       OTHER                   297        0        0
MAXIM INTEGRATED PRODS INC     COMMON STOCK     57772K101        2       45 SH       DEFINED                  45        0        0
MAXTOR CORP                    COMMON STOCK     577729205        2      152 SH       DEFINED                 152        0        0
MAY DEPT STORES CO             COMMON STOCK     577778103       17      600 SH       DEFINED                   0        0      600
MAY DEPT STORES CO             COMMON STOCK     577778103      273     9400 SH       OTHER                  9400        0        0
MAYTAG CORP                    COMMON STOCK     578592107      946    33973 SH       DEFINED                9953        0    24020
MAYTAG CORP                    COMMON STOCK     578592107     2120    76133 SH       OTHER                 63785        0    12348
MBIA INC                       COMMON STOCK     55262C100      342     5775 SH       DEFINED                5775        0        0
MBIA INC                       COMMON STOCK     55262C100       47      799 SH       OTHER                   799        0        0
MBNA CORP                      COMMON STOCK     55262L100      386    15535 SH       DEFINED               14548        0      987
MBNA CORP                      COMMON STOCK     55262L100      105     4236 SH       OTHER                  4236        0        0
MCCORMICK & CO INC             COMMON STOCK     579780206      433    14400 SH       DEFINED               13800        0      600
MCCORMICK & CO INC             COMMON STOCK     579780206      181     6000 SH       OTHER                  6000        0        0
MCDATA CORP CL A               COMMON STOCK     580031201        8      891 SH       DEFINED                 891        0        0
MCDATA CORP CL A               COMMON STOCK     580031201        1      124 SH       OTHER                   124        0        0
MCDONALDS CORP                 COMMON STOCK     580135101     1305    52571 SH       DEFINED               38125        0    14446
MCDONALDS CORP                 COMMON STOCK     580135101      276    11100 SH       OTHER                 10400        0      700
MCG CAP CORP                   COMMON STOCK     58047P107       20     1000 SH       DEFINED                1000        0        0
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109     2277    32562 SH       DEFINED               32562        0        0
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109      620     8864 SH       OTHER                  8864        0        0
MCKESSON CORP                  COMMON STOCK     58155Q103      268     8325 SH       DEFINED                7650        0      675
MCKESSON CORP                  COMMON STOCK     58155Q103       58     1800 SH       OTHER                  1800        0        0
MEADWESTVACO CORP              COMMON STOCK     583334107       39     1309 SH       DEFINED                1309        0        0
MEADWESTVACO CORP              COMMON STOCK     583334107      101     3382 SH       OTHER                  3382        0        0
MEDCO HEALTH SOLUTIONS INC     COMMON STOCK     58405U102      153     4510 SH       DEFINED                4498        0       12
MEDCO HEALTH SOLUTIONS INC     COMMON STOCK     58405U102      585    17211 SH       OTHER                 17186        0       25
MEDICIS PHARMACEUTICAL CL-A    COMMON STOCK     584690309       43      600 SH       OTHER                   600        0        0
MEDIMMUNE INC                  COMMON STOCK     584699102        2       95 SH       DEFINED                  95        0        0
MEDTRONIC INC                  COMMON STOCK     585055106     5019   103250 SH       DEFINED              101350        0     1900
MEDTRONIC INC                  COMMON STOCK     585055106     2133    43887 SH       OTHER                 43541        0      346
MELLON FINANCIAL CORP          COMMON STOCK     58551A108      917    28556 SH       DEFINED               28556        0        0
MELLON FINANCIAL CORP          COMMON STOCK     58551A108      199     6200 SH       OTHER                  6200        0        0
MERCANTILE BANKSHARES CORP     COMMON STOCK     587405101       82     1800 SH       DEFINED                1800        0        0
MERCANTILE BANKSHARES CORP     COMMON STOCK     587405101       46     1000 SH       OTHER                  1000        0        0
MERCK & CO INC                 COMMON STOCK     589331107     3648    78955 SH       DEFINED               78255        0      700
MERCK & CO INC                 COMMON STOCK     589331107     7934   171731 SH       OTHER                171517        0      214
MERRILL LYNCH & CO INC         COMMON STOCK     590188108       24      415 SH       DEFINED                 415        0        0
METLIFE INC                    COMMON STOCK     59156R108       23      671 SH       DEFINED                 671        0        0
METRIS COS INC                 COMMON STOCK     591598107       11     2500 SH       DEFINED                2500        0        0
METRIS COS INC                 COMMON STOCK     591598107       20     4500 SH       OTHER                  4500        0        0
MGIC INVT CORP WIS             COMMON STOCK     552848103      252     4425 SH       DEFINED                4025        0      400
MGIC INVT CORP WIS             COMMON STOCK     552848103       71     1250 SH       OTHER                  1250        0        0
MICRON TECHNOLOGY INC          COMMON STOCK     595112103       58     4300 SH       DEFINED                4300        0        0
MICROSOFT CORP                 COMMON STOCK     594918104     9629   351826 SH       DEFINED              332821        0    19005
MICROSOFT CORP                 COMMON STOCK     594918104     3622   132331 SH       OTHER                131503        0      828
MIDAS INC                      COMMON STOCK     595626102        3      200 SH       OTHER                   200        0        0
MIDCAP SPDR TR SERIES 1        COMMON STOCK     595635103      611     5800 SH       DEFINED                5800        0        0
MIDCAP SPDR TR SERIES 1        COMMON STOCK     595635103       72      686 SH       OTHER                   686        0        0
MILACRON INC                   COMMON STOCK     598709103       12     2900 SH       DEFINED                2900        0        0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK     599902103      131     7000 SH       DEFINED                7000        0        0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK     599902103        6      300 SH       OTHER                   300        0        0
MIPS TECHNOLOGIES COMMON       COMMON STOCK     604567107        1      138 SH       DEFINED                 138        0        0
MOLEX INC                      COMMON STOCK     608554101       17      500 SH       DEFINED                 500        0        0
MONSANTO CO NEW                COMMON STOCK     61166W101       62     2153 SH       DEFINED                2153        0        0
MONSANTO CO NEW                COMMON STOCK     61166W101       88     3075 SH       OTHER                  3075        0        0
MOODYS CORP                    COMMON STOCK     615369105      176     2900 SH       DEFINED                2900        0        0
MOODYS CORP                    COMMON STOCK     615369105       61     1000 SH       OTHER                  1000        0        0
MORGAN STANLEY                 COMMON STOCK     617446448     1225    21170 SH       DEFINED               19070        0     2100
MORGAN STANLEY                 COMMON STOCK     617446448      477     8241 SH       OTHER                  8241        0        0
MOTOROLA INC                   COMMON STOCK     620076109     1417   101195 SH       DEFINED               99570        0     1625
MOTOROLA INC                   COMMON STOCK     620076109      737    52610 SH       OTHER                 52610        0        0
MUNICIPAL MORTGAGE & EQUITY LL COMMON STOCK     62624B101        9      381 SH       DEFINED                 381        0        0
MUNICIPAL MORTGAGE & EQUITY LL COMMON STOCK     62624B101       37     1500 SH       OTHER                  1500        0        0
MYLAN LABS INC                 COMMON STOCK     628530107      425    16831 SH       DEFINED               15856        0      975
MYLAN LABS INC                 COMMON STOCK     628530107       57     2273 SH       OTHER                  2273        0        0
NASDAQ 100 SHARES UNIT SER 1   COMMON STOCK     631100104      306     8400 SH       DEFINED                8400        0        0
NASDAQ 100 SHARES UNIT SER 1   COMMON STOCK     631100104      545    14935 SH       OTHER                 14935        0        0
NATIONAL CITY CORP             COMMON STOCK     635405103      327     9643 SH       DEFINED                9643        0        0
NATIONAL COMM FINL CORP        COMMON STOCK     63545P104     1974    72358 SH       DEFINED               72358        0        0
NATIONAL COMM FINL CORP        COMMON STOCK     63545P104     1939    71082 SH       OTHER                 71082        0        0
NATIONWIDE FINANCIAL SERVICES  COMMON STOCK     638612101       98     2955 SH       DEFINED                2955        0        0
NATIONWIDE FINANCIAL SERVICES  COMMON STOCK     638612101       43     1287 SH       OTHER                  1287        0        0
NAVISTAR INTERNATIONAL CORP    COMMON STOCK     63934E108        1       20 SH       DEFINED                  20        0        0
NCR CORP                       COMMON STOCK     62886E108        3       84 SH       DEFINED                  84        0        0
NCR CORP                       COMMON STOCK     62886E108        4      104 SH       OTHER                   104        0        0
NEW JERSEY RES CORP            COMMON STOCK     646025106       75     1950 SH       DEFINED                1950        0        0
NEWELL RUBBERMAID INC          COMMON STOCK     651229106       15      677 SH       DEFINED                 677        0        0
NEWELL RUBBERMAID INC          COMMON STOCK     651229106       57     2521 SH       OTHER                  2521        0        0
NEWFIELD EXPLORATION CO        COMMON STOCK     651290108      210     4705 SH       DEFINED                4700        0        5
NEWMONT MNG CORP               COMMON STOCK     651639106        4       75 SH       DEFINED                  75        0        0
NEWMONT MNG CORP               COMMON STOCK     651639106      178     3662 SH       OTHER                  3662        0        0
NEXTEL COMMUNICATIONS INC      COMMON STOCK     65332V103        9      315 SH       DEFINED                 315        0        0
NEXTEL COMMUNICATIONS INC      COMMON STOCK     65332V103        4      150 SH       OTHER                   150        0        0
NICOR INC                      COMMON STOCK     654086107       13      382 SH       DEFINED                 382        0        0
NICOR INC                      COMMON STOCK     654086107        9      274 SH       OTHER                   274        0        0
NIKE INC-CLASS B               COMMON STOCK     654106103        3       50 SH       DEFINED                  50        0        0
NISOURCE INC                   COMMON STOCK     65473P105       22     1000 SH       DEFINED                1000        0        0
NISOURCE INC                   COMMON STOCK     65473P105        8      352 SH       OTHER                   352        0        0
NN INC                         COMMON STOCK     629337106       25     2000 SH       OTHER                  2000        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108      214     9040 SH       DEFINED                7240        0     1800
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108      971    41047 SH       OTHER                 40347        0      700
NORTH EUROPEAN OIL RTY TRUST   COMMON STOCK     659310106       72     2850 SH       DEFINED                2850        0        0
NORTH FORK BANCORPORATION INC  COMMON STOCK     659424105      166     4100 SH       DEFINED                4100        0        0
NORTH FORK BANCORPORATION INC  COMMON STOCK     659424105       81     2000 SH       OTHER                  2000        0        0
NORTHERN TR CORP               COMMON STOCK     665859104       93     2000 SH       DEFINED                2000        0        0
NORTHROP GRUMMAN CORP          COMMON STOCK     666807102        4       39 SH       DEFINED                  39        0        0
NORTHROP GRUMMAN CORP          COMMON STOCK     666807102       86      901 SH       OTHER                   901        0        0
NORTHWEST AIRLINES CORP CL A   COMMON STOCK     667280101       19     1500 SH       OTHER                  1500        0        0
NOVELLUS SYS INC               COMMON STOCK     670008101        4       90 SH       DEFINED                  90        0        0
NSTAR                          COMMON STOCK     67019E107       19      400 SH       DEFINED                 400        0        0
NUCOR CORP                     COMMON STOCK     670346105       12      215 SH       DEFINED                 215        0        0
OCCIDENTAL PETE CORP           COMMON STOCK     674599105       36      850 SH       DEFINED                 850        0        0
OCWEN FINL CORP COM            COMMON STOCK     675746101       18     2000 SH       DEFINED                2000        0        0
OFFICE DEPOT INC               COMMON STOCK     676220106       18     1100 SH       DEFINED                1100        0        0
OLD NATL BANCORP IND           COMMON STOCK     680033107      277    12120 SH       OTHER                 12120        0        0
OMNICOM GROUP                  COMMON STOCK     681919106     3616    41409 SH       DEFINED               41409        0        0
OMNICOM GROUP                  COMMON STOCK     681919106      282     3232 SH       OTHER                  3232        0        0
OMNOVA SOLUTIONS INC           COMMON STOCK     682129101        3      552 SH       OTHER                   552        0        0
ONEOK INC                      COMMON STOCK     682680103       13      600 SH       DEFINED                 600        0        0
ONEOK INC                      COMMON STOCK     682680103      152     6900 SH       OTHER                  6900        0        0
ORACLE CORPORATION             COMMON STOCK     68389X105      337    25465 SH       DEFINED               23690        0     1775
ORACLE CORPORATION             COMMON STOCK     68389X105      267    20218 SH       OTHER                 19400        0      818
OUTBACK STEAKHOUSE INC         COMMON STOCK     689899102       29      645 SH       DEFINED                 645        0        0
P F CHANGS CHINA BISTRO INC CO COMMON STOCK     69333Y108       25      500 SH       DEFINED                 500        0        0
PACTIV CORP                    COMMON STOCK     695257105      112     4700 SH       DEFINED                4200        0      500
PACTIV CORP                    COMMON STOCK     695257105       81     3400 SH       OTHER                  3400        0        0
PALL CORP                      COMMON STOCK     696429307      129     4800 SH       DEFINED                4800        0        0
PALL CORP                      COMMON STOCK     696429307       72     2700 SH       OTHER                  2700        0        0
PARKER HANNIFIN CORP           COMMON STOCK     701094104      192     3233 SH       DEFINED                2558        0      675
PARKER HANNIFIN CORP           COMMON STOCK     701094104      337     5662 SH       OTHER                  5662        0        0
PATTERSON-UTI ENERGY INC       COMMON STOCK     703481101       16      500 SH       OTHER                   500        0        0
PENN VIRGINIA RESOURCE PARTN   COMMON STOCK     707884102       27      800 SH       DEFINED                 800        0        0
PENN VIRGINIA RESOURCE PARTN   COMMON STOCK     707884102       12      350 SH       OTHER                   350        0        0
PENNEY J C CO                  COMMON STOCK     708160106      471    17922 SH       DEFINED               17922        0        0
PENNEY J C CO                  COMMON STOCK     708160106      139     5308 SH       OTHER                  5308        0        0
PEOPLESOFT INC                 COMMON STOCK     712713106        3      111 SH       DEFINED                 111        0        0
PEOPLESOFT INC                 COMMON STOCK     712713106       18      800 SH       OTHER                   800        0        0
PEPCO HOLDINGS INC             COMMON STOCK     713291102       25     1275 SH       DEFINED                1275        0        0
PEPCO HOLDINGS INC             COMMON STOCK     713291102       80     4088 SH       OTHER                  4088        0        0
PEPSIAMERICAS INC              COMMON STOCK     71343P200       46     2700 SH       OTHER                  2700        0        0
PEPSICO INC                    COMMON STOCK     713448108     7165   153696 SH       DEFINED              150371        0     3325
PEPSICO INC                    COMMON STOCK     713448108     2832    60736 SH       OTHER                 60436        0      300
PERFORMANCE FOOD GROUP CO      COMMON STOCK     713755106      224     6205 SH       DEFINED                6205        0        0
PFIZER INC                     COMMON STOCK     717081103    10625   300739 SH       DEFINED              270939        0    29800
PFIZER INC                     COMMON STOCK     717081103     9516   269346 SH       OTHER                268726        0      620
PG & E CORP                    COMMON STOCK     69331C108       21      751 SH       OTHER                   751        0        0
PHELPS DODGE CORP              COMMON STOCK     717265102       30      400 SH       DEFINED                 400        0        0
PHOENIX COMPANIES INC          COMMON STOCK     71902E109       10      804 SH       DEFINED                 804        0        0
PIEDMONT NATURAL GAS INC       COMMON STOCK     720186105       35      800 SH       DEFINED                 800        0        0
PIEDMONT NATURAL GAS INC       COMMON STOCK     720186105      130     3000 SH       OTHER                  3000        0        0
PIER 1 IMPORTS INC             COMMON STOCK     720279108      307    14025 SH       DEFINED               14025        0        0
PIONEER NATURAL RESOURCES CO   COMMON STOCK     723787107       26      800 SH       DEFINED                 800        0        0
PITNEY BOWES INC               COMMON STOCK     724479100        8      200 SH       DEFINED                 200        0        0
PITNEY BOWES INC               COMMON STOCK     724479100      427    10500 SH       OTHER                 10500        0        0
PLAINS ALL AMERICAN PIPELINE L COMMON STOCK     726503105       32     1000 SH       DEFINED                1000        0        0
PLAYTEX PRODS INC              COMMON STOCK     72813P100        8     1000 SH       DEFINED                1000        0        0
PLUG POWER INC                 COMMON STOCK     72919P103        4      500 SH       OTHER                   500        0        0
PLUM CREEK TIMBER CO INC       COMMON STOCK     729251108      545    17908 SH       DEFINED               17908        0        0
PLUM CREEK TIMBER CO INC       COMMON STOCK     729251108       58     1897 SH       OTHER                  1897        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      205     3750 SH       DEFINED                3750        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      223     4083 SH       OTHER                  4083        0        0
PPG INDS INC                   COMMON STOCK     693506107       83     1300 SH       DEFINED                1300        0        0
PPG INDS INC                   COMMON STOCK     693506107      627     9800 SH       OTHER                  9800        0        0
PRAXAIR INC                    COMMON STOCK     74005P104      164     4298 SH       DEFINED                4298        0        0
PRICE T ROWE GROUP INC         COMMON STOCK     74144T108        9      200 SH       OTHER                   200        0        0
PRINCIPAL FINANCIAL GROUP      COMMON STOCK     74251V102        8      227 SH       DEFINED                 227        0        0
PRINCIPAL FINANCIAL GROUP      COMMON STOCK     74251V102       23      684 SH       OTHER                   684        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     4929    49352 SH       DEFINED               40852        0     8500
PROCTER & GAMBLE CO            COMMON STOCK     742718109     4437    44423 SH       OTHER                 44423        0        0
PROGRESS ENERGY INC            COMMON STOCK     743263105      232     5135 SH       DEFINED                5135        0        0
PROGRESS ENERGY INC            COMMON STOCK     743263105      284     6278 SH       OTHER                  5524        0      754
PROTECTIVE LIFE CORP           COMMON STOCK     743674103       21      630 SH       OTHER                   630        0        0
PROVIDIAN FINANCIAL CORP       COMMON STOCK     74406A102       30     2600 SH       DEFINED                2600        0        0
PROVIDIAN FINANCIAL CORP       COMMON STOCK     74406A102      204    17500 SH       OTHER                 17500        0        0
PRUDENTIAL FINL INC            COMMON STOCK     744320102       43     1039 SH       DEFINED                1039        0        0
PRUDENTIAL FINL INC            COMMON STOCK     744320102       69     1649 SH       OTHER                  1649        0        0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK     744573106      158     3599 SH       DEFINED                3599        0        0
PULITZER INC                   COMMON STOCK     745769109       22      400 SH       DEFINED                 400        0        0
QUAKER CHEM CORP               COMMON STOCK     747316107       15      500 SH       DEFINED                 500        0        0
QUALCOMM INC                   COMMON STOCK     747525103      247     4589 SH       DEFINED                4589        0        0
QUALCOMM INC                   COMMON STOCK     747525103      142     2628 SH       OTHER                  2628        0        0
QUANTUM CORP-DLT & STORAGE     COMMON STOCK     747906204        1      200 SH       DEFINED                 200        0        0
QUEST DIAGNOSTICS INC          COMMON STOCK     74834L100        5       63 SH       DEFINED                  63        0        0
QUEST DIAGNOSTICS INC          COMMON STOCK     74834L100       12      160 SH       OTHER                   160        0        0
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109       32     7403 SH       DEFINED                7403        0        0
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109       22     5101 SH       OTHER                  4876        0      225
R H DONNELLEY CORP             COMMON STOCK     74955W307        1       15 SH       OTHER                    15        0        0
RADIOSHACK CORP                COMMON STOCK     750438103       98     3200 SH       DEFINED                3200        0        0
RADIOSHACK CORP                COMMON STOCK     750438103      245     8000 SH       OTHER                  8000        0        0
RAYTHEON COMPANY               COMMON STOCK     755111507      705    23477 SH       DEFINED               20977        0     2500
RAYTHEON COMPANY               COMMON STOCK     755111507      745    24813 SH       OTHER                 24813        0        0
REGIONS FINANCIAL CORP         COMMON STOCK     758940100      444    11941 SH       DEFINED               10916        0     1025
REGIONS FINANCIAL CORP         COMMON STOCK     758940100     5469   147003 SH       OTHER                147003        0        0
RELIANT RESOURCES INC          COMMON STOCK     75952B105       13     1711 SH       DEFINED                1711        0        0
RELIANT RESOURCES INC          COMMON STOCK     75952B105       19     2560 SH       OTHER                  2088        0      472
REYNOLDS R J TOBACCO HLDGS     COMMON STOCK     76182K105       17      297 SH       DEFINED                 231        0       66
REYNOLDS R J TOBACCO HLDGS     COMMON STOCK     76182K105       23      398 SH       OTHER                   398        0        0
ROHM & HAAS CO                 COMMON STOCK     775371107       45     1046 SH       DEFINED                 973        0       73
ROLLINS INC                    COMMON STOCK     775711104        5      225 SH       DEFINED                 225        0        0
ROSS STORES INC                COMMON STOCK     778296103       11      400 SH       OTHER                   400        0        0
RUBY TUESDAY INC               COMMON STOCK     781182100      299    10498 SH       OTHER                 10498        0        0
RYDER SYSTEM INC               COMMON STOCK     783549108      189     5520 SH       DEFINED                5520        0        0
SABRE HOLDINGS CORP            COMMON STOCK     785905100        5      252 SH       DEFINED                 252        0        0
SAFECO CORP                    COMMON STOCK     786429100      716    18390 SH       OTHER                 18390        0        0
SAFEWAY INC                    COMMON STOCK     786514208       10      475 SH       DEFINED                 475        0        0
SAKS INC                       COMMON STOCK     79377W108        3      200 SH       DEFINED                 200        0        0
SANMINA-SCI CORP               COMMON STOCK     800907107        3      204 SH       OTHER                   204        0        0
SARA LEE CORP                  COMMON STOCK     803111103      644    29647 SH       DEFINED               28672        0      975
SARA LEE CORP                  COMMON STOCK     803111103      393    18124 SH       OTHER                 18124        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     1470    56405 SH       DEFINED               54953        0     1452
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     1738    66671 SH       OTHER                 66408        0      263
SCANA CORP                     COMMON STOCK     80589M102      110     3206 SH       DEFINED                3206        0        0
SCANA CORP                     COMMON STOCK     80589M102      100     2928 SH       OTHER                  2928        0        0
SCHEIN HENRY INC               COMMON STOCK     806407102       10      150 SH       DEFINED                 150        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101     1270    73048 SH       DEFINED               64223        0     8825
SCHERING PLOUGH CORP           COMMON STOCK     806605101      965    55475 SH       OTHER                 52275        0     3200
SCOTTS CO CL A                 COMMON STOCK     810186106       95     1600 SH       DEFINED                1400        0      200
SCOTTS CO CL A                 COMMON STOCK     810186106       24      400 SH       OTHER                   400        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      542    11904 SH       DEFINED               11904        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      423     9306 SH       OTHER                  9306        0        0
SEMCO ENERGY INC               COMMON STOCK     78412D109        2      432 SH       DEFINED                 432        0        0
SEMPRA ENERGY                  COMMON STOCK     816851109        5      175 SH       DEFINED                 175        0        0
SERVICE CORP INTERNATIONAL     COMMON STOCK     817565104       84    15600 SH       DEFINED               15600        0        0
SERVICE CORP INTERNATIONAL     COMMON STOCK     817565104       27     5000 SH       OTHER                  5000        0        0
SHERWIN WILLIAMS CO            COMMON STOCK     824348106        5      130 SH       DEFINED                 130        0        0
SIGMA ALDRICH CORP             COMMON STOCK     826552101      114     2000 SH       DEFINED                1800        0      200
SIGMA ALDRICH CORP             COMMON STOCK     826552101       34      600 SH       OTHER                   600        0        0
SILICON GRAPHICS INC           COMMON STOCK     827056102        1     1000 SH       DEFINED                1000        0        0
SIRUS SATELLITE RADIO INC      COMMON STOCK     82966U103        0      100 SH       DEFINED                 100        0        0
SIX FLAGS INC                  COMMON STOCK     83001P109        8     1000 SH       DEFINED                1000        0        0
SLM CORP                       COMMON STOCK     78442P106       10      255 SH       DEFINED                 255        0        0
SLM CORP                       COMMON STOCK     78442P106       40     1050 SH       OTHER                  1050        0        0
SNAP ON INC                    COMMON STOCK     833034101       39     1200 SH       DEFINED                1200        0        0
SOLECTRON CORP                 COMMON STOCK     834182107        5      800 SH       DEFINED                 800        0        0
SOLUTIA INC                    COMMON STOCK     834376105        0      100 SH       DEFINED                 100        0        0
SOLUTIA INC                    COMMON STOCK     834376105        0      600 SH       OTHER                   600        0        0
SONOCO PRODS CO                COMMON STOCK     835495102       12      500 SH       DEFINED                 500        0        0
SOUTHERN COMPANY               COMMON STOCK     842587107      274     9048 SH       DEFINED                8398        0      650
SOUTHERN COMPANY               COMMON STOCK     842587107      624    20631 SH       OTHER                 20631        0        0
SOUTHERN UN CO NEW             COMMON STOCK     844030106       35     1905 SH       OTHER                  1905        0        0
SOUTHTRUST CORP                COMMON STOCK     844730101       49     1500 SH       OTHER                  1500        0        0
SOUTHWEST AIRLINES CO          COMMON STOCK     844741108        7      415 SH       DEFINED                 415        0        0
SPRINT CORP                    COMMON STOCK     852061100       54     3300 SH       DEFINED                3300        0        0
SPRINT CORP                    COMMON STOCK     852061100      321    19525 SH       OTHER                 19525        0        0
SPRINT CORP PCS GROUP          COMMON STOCK     852061506       39     6950 SH       OTHER                  6950        0        0
STANDARD & POORS DEP RECEIPT   COMMON STOCK     78462F103     2478    22271 SH       DEFINED               22071        0      200
STANDARD & POORS DEP RECEIPT   COMMON STOCK     78462F103     2719    24431 SH       OTHER                 24331        0      100
STAPLES INC                    COMMON STOCK     855030102       35     1294 SH       DEFINED                1294        0        0
STARBUCKS CORP                 COMMON STOCK     855244109        3       82 SH       DEFINED                  82        0        0
STARTEK INC                    COMMON STOCK     85569C107       20      500 SH       OTHER                   500        0        0
STARWOOD HOTELS & RESORTS      COMMON STOCK     85590A203       33      917 SH       OTHER                   917        0        0
STATE STREET CORP              COMMON STOCK     857477103        5       92 SH       DEFINED                  92        0        0
STATE STREET CORP              COMMON STOCK     857477103       26      500 SH       OTHER                   500        0        0
STEWART ENTERPRISES INC CL A   COMMON STOCK     860370105        3      500 SH       DEFINED                 500        0        0
STORAGE TECHNOLOGY             COMMON STOCK     862111200       26     1000 SH       DEFINED                1000        0        0
STRYKER CORP                   COMMON STOCK     863667101       34      400 SH       DEFINED                 400        0        0
STRYKER CORP                   COMMON STOCK     863667101       30      350 SH       OTHER                   350        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104       79    17645 SH       DEFINED               17645        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104       45    10145 SH       OTHER                  9616        0      529
SUNGARD DATA SYS INC           COMMON STOCK     867363103        2       55 SH       DEFINED                  55        0        0
SUNOCO INC                     COMMON STOCK     86764P109       21      416 SH       OTHER                   416        0        0
SUNTRUST BANKS INC             COMMON STOCK     867914103     1856    25959 SH       DEFINED               25359        0      600
SUNTRUST BANKS INC             COMMON STOCK     867914103     2417    33801 SH       OTHER                 33801        0        0
SUPERVALU INC                  COMMON STOCK     868536103      229     8000 SH       OTHER                  8000        0        0
SYMANTEC CORPORATION           COMMON STOCK     871503108        4      130 SH       DEFINED                 130        0        0
SYSCO CORP                     COMMON STOCK     871829107     2351    63139 SH       DEFINED               62339        0      800
SYSCO CORP                     COMMON STOCK     871829107      462    12411 SH       OTHER                 12411        0        0
TAKE-TWO INTERACTIVE SOFTWARE  COMMON STOCK     874054109        8      280 SH       DEFINED                 280        0        0
TARGET CORP                    COMMON STOCK     87612E106      576    14990 SH       DEFINED               13890        0     1100
TARGET CORP                    COMMON STOCK     87612E106      208     5425 SH       OTHER                  5425        0        0
TC PIPELINES LP                COMMON STOCK     87233Q108       33     1000 SH       DEFINED                1000        0        0
TECO ENERGY INC                COMMON STOCK     872375100       53     3700 SH       DEFINED                3700        0        0
TECO ENERGY INC                COMMON STOCK     872375100       56     3859 SH       OTHER                  3859        0        0
TELLABS INC                    COMMON STOCK     879664100      252    29975 SH       DEFINED               27425        0     2550
TELLABS INC                    COMMON STOCK     879664100       50     5900 SH       OTHER                  5900        0        0
TENET HEALTHCARE CORP          COMMON STOCK     88033G100        9      550 SH       DEFINED                 550        0        0
TENET HEALTHCARE CORP          COMMON STOCK     88033G100       17     1050 SH       OTHER                  1050        0        0
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        6      890 SH       DEFINED                 790        0      100
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        2      360 SH       OTHER                   360        0        0
TEPPCO PARTNERS LP             COMMON STOCK     872384102       75     1850 SH       DEFINED                1850        0        0
TERADYNE INC                   COMMON STOCK     880770102        3      113 SH       DEFINED                 113        0        0
TEXAS GENCO HOLDINGS INC       COMMON STOCK     882443104        3      107 SH       DEFINED                 107        0        0
TEXAS GENCO HOLDINGS INC       COMMON STOCK     882443104        9      287 SH       OTHER                   277        0       10
TEXAS INSTRUMENTS INC          COMMON STOCK     882508104     5318   181011 SH       DEFINED              180236        0      775
TEXAS INSTRUMENTS INC          COMMON STOCK     882508104     1945    66208 SH       OTHER                 66208        0        0
TEXTRON INC                    COMMON STOCK     883203101        5       80 SH       DEFINED                  80        0        0
THE CHARLES SCHWAB CORP        COMMON STOCK     808513105       15     1275 SH       DEFINED                1275        0        0
THE CHARLES SCHWAB CORP        COMMON STOCK     808513105        4      300 SH       OTHER                   300        0        0
THERMO ELECTRON CORP           COMMON STOCK     883556102        4      152 SH       DEFINED                 152        0        0
THORNBURG MTG ASSET CORP       COMMON STOCK     885218107       87     3200 SH       DEFINED                3200        0        0
TIME WARNER INC NEW            COMMON STOCK     887317105      192    10656 SH       DEFINED               10656        0        0
TIME WARNER INC NEW            COMMON STOCK     887317105       33     1825 SH       OTHER                  1600        0      225
TJX COS INC                    COMMON STOCK     872540109        6      265 SH       DEFINED                 265        0        0
TORCHMARK CORP                 COMMON STOCK     891027104      100     2200 SH       OTHER                  2200        0        0
TOYS R US INC                  COMMON STOCK     892335100       30     2380 SH       DEFINED                2380        0        0
TOYS R US INC                  COMMON STOCK     892335100       19     1500 SH       OTHER                  1500        0        0
TRACTOR SUPPLY CO              COMMON STOCK     892356106      499    12800 SH       DEFINED               12800        0        0
TRAVELERS PROPERTY CASUALTY CL COMMON STOCK     89420G109       13      776 SH       DEFINED                 776        0        0
TRAVELERS PROPERTY CASUALTY CL COMMON STOCK     89420G109       10      597 SH       OTHER                   570        0       27
TRAVELERS PROPERTY CASUALTY CL COMMON STOCK     89420G406       16      956 SH       DEFINED                 956        0        0
TRAVELERS PROPERTY CASUALTY CL COMMON STOCK     89420G406       21     1238 SH       OTHER                  1182        0       56
TRIAD HOSPS INC                COMMON STOCK     89579K109        1       16 SH       DEFINED                  16        0        0
TRIBUNE CO                     COMMON STOCK     896047107       20      396 SH       DEFINED                 396        0        0
TRIBUNE CO                     COMMON STOCK     896047107       21      400 SH       OTHER                   400        0        0
TRINITY INDUSTRIES INC         COMMON STOCK     896522109      194     6300 SH       DEFINED                6300        0        0
TRUSTCO BK CORP NY             COMMON STOCK     898349105       21     1625 SH       DEFINED                1625        0        0
TUPPERWARE CORPORATION         COMMON STOCK     899896104       26     1500 SH       OTHER                  1500        0        0
TXU CORP                       COMMON STOCK     873168108       37     1554 SH       DEFINED                1509        0       45
TYSON FOODS INC CLASS A        COMMON STOCK     902494103        2      166 SH       DEFINED                 166        0        0
UNION PAC CORP                 COMMON STOCK     907818108      330     4749 SH       DEFINED                4749        0        0
UNION PAC CORP                 COMMON STOCK     907818108      634     9132 SH       OTHER                  9132        0        0
UNION PLANTERS CORP            COMMON STOCK     908068109      336    10677 SH       DEFINED                9045        0     1632
UNION PLANTERS CORP            COMMON STOCK     908068109     1327    42147 SH       OTHER                 42147        0        0
UNISYS CORP                    COMMON STOCK     909214108        4      290 SH       DEFINED                 290        0        0
UNISYS CORP                    COMMON STOCK     909214108       22     1476 SH       OTHER                  1476        0        0
UNITED PARCEL SERVICE-CLASS B  COMMON STOCK     911312106       30      401 SH       DEFINED                 401        0        0
UNITED STATES STEEL CORP       COMMON STOCK     912909108       18      500 SH       DEFINED                 500        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109     1442    15214 SH       DEFINED               15214        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109      547     5775 SH       OTHER                  5775        0        0
UNITED TENNESSEE BANKSHARES IN COMMON STOCK     91307P103       41     2500 SH       DEFINED                2500        0        0
UNITEDHEALTH GROUP INC         COMMON STOCK     91324P102       82     1406 SH       DEFINED                1406        0        0
UNITEDHEALTH GROUP INC         COMMON STOCK     91324P102      523     8990 SH       OTHER                  8990        0        0
UNIVERSAL CORP VA              COMMON STOCK     913456109       71     1600 SH       OTHER                  1600        0        0
UNIVERSAL HEALTH SVCS INC      COMMON STOCK     913903100       11      200 SH       DEFINED                 200        0        0
UNIVISION COMMUNICATIONS INC   COMMON STOCK     914906102        5      130 SH       DEFINED                 130        0        0
UNOCAL CORP                    COMMON STOCK     915289102      397    10789 SH       DEFINED               10789        0        0
UNOCAL CORP                    COMMON STOCK     915289102      255     6929 SH       OTHER                  6929        0        0
UNUMPROVIDENT CORP             COMMON STOCK     91529Y106      548    34743 SH       DEFINED               25516        0     9227
UNUMPROVIDENT CORP             COMMON STOCK     91529Y106      826    52403 SH       OTHER                 52403        0        0
US BANCORP NEW                 COMMON STOCK     902973304       13      445 SH       DEFINED                 445        0        0
US BANCORP NEW                 COMMON STOCK     902973304       14      470 SH       OTHER                   470        0        0
UST INC                        COMMON STOCK     902911106      190     5320 SH       DEFINED                5320        0        0
UTILITIES SELECT SECTOR SPDR   COMMON STOCK     81369Y886      509    21804 SH       DEFINED               21804        0        0
UTILITIES SELECT SECTOR SPDR   COMMON STOCK     81369Y886      106     4530 SH       OTHER                  4530        0        0
UTSTARCOM INC                  COMMON STOCK     918076100        4      100 SH       OTHER                   100        0        0
V F CORP                       COMMON STOCK     918204108        9      218 SH       DEFINED                 218        0        0
VALERO LP                      COMMON STOCK     91913W104       52     1050 SH       DEFINED                1050        0        0
VECTREN CORP                   COMMON STOCK     92240G101       34     1391 SH       DEFINED                1391        0        0
VERISIGN INC                   COMMON STOCK     92343E102        7      400 SH       OTHER                   400        0        0
VERITAS SOFTWARE CO            COMMON STOCK     923436109        4      100 SH       DEFINED                 100        0        0
VERIZON COMMUNICATIONS         COMMON STOCK     92343V104     3741   106633 SH       DEFINED              105158        0     1475
VERIZON COMMUNICATIONS         COMMON STOCK     92343V104     3173    90446 SH       OTHER                 90346        0      100
VERTEX PHARMACEUTICALS INC     COMMON STOCK     92532F100       52     5000 SH       DEFINED                5000        0        0
VIACOM INC CL A                COMMON STOCK     925524100       24      550 SH       DEFINED                 550        0        0
VIACOM INC CL A                COMMON STOCK     925524100        6      143 SH       OTHER                   143        0        0
VIACOM INC CL B                COMMON STOCK     925524308      339     7631 SH       DEFINED                7631        0        0
VIACOM INC CL B                COMMON STOCK     925524308      248     5589 SH       OTHER                  5489        0      100
VIAD CORP                      COMMON STOCK     92552R109       13      508 SH       DEFINED                 508        0        0
VISTEON CORP                   COMMON STOCK     92839U107        2      230 SH       DEFINED                 230        0        0
VISTEON CORP                   COMMON STOCK     92839U107        3      261 SH       OTHER                   261        0        0
VULCAN MATLS CO                COMMON STOCK     929160109      706    14850 SH       DEFINED               12150        0     2700
VULCAN MATLS CO                COMMON STOCK     929160109     8713   183170 SH       OTHER                183170        0        0
WACHOVIA CORP                  COMMON STOCK     929903102     1273    27322 SH       DEFINED               26822        0      500
WACHOVIA CORP                  COMMON STOCK     929903102     1046    22459 SH       OTHER                 20847        0     1612
WADDELL & REED FINL INC        COMMON STOCK     930059100       25     1083 SH       OTHER                  1083        0        0
WAL MART STORES INC            COMMON STOCK     931142103     3857    72713 SH       DEFINED               71688        0     1025
WAL MART STORES INC            COMMON STOCK     931142103     2741    51667 SH       OTHER                 51171        0      496
WALGREEN CO                    COMMON STOCK     931422109     1336    36713 SH       DEFINED               29687        0     7026
WALGREEN CO                    COMMON STOCK     931422109     7932   218044 SH       OTHER                218044        0        0
WASHINGTON FEDERAL INC         COMMON STOCK     938824109      189     6655 SH       DEFINED                6655        0        0
WASHINGTON MUTUAL INC          COMMON STOCK     939322103       30      750 SH       DEFINED                 750        0        0
WASTE MANAGEMENT INTERNATIONAL COMMON STOCK     94106L109     1130    38180 SH       DEFINED               33405        0     4775
WASTE MANAGEMENT INTERNATIONAL COMMON STOCK     94106L109      332    11205 SH       OTHER                 11205        0        0
WATERS CORP                    COMMON STOCK     941848103        4      125 SH       DEFINED                 125        0        0
WATSON PHARMACEUTICALS INC     COMMON STOCK     942683103      260     5650 SH       DEFINED                5075        0      575
WATSON PHARMACEUTICALS INC     COMMON STOCK     942683103       59     1275 SH       OTHER                  1225        0       50
WAUSAU-MOSINEE PAPER CORP      COMMON STOCK     943315101      327    24212 SH       DEFINED               23887        0      325
WAUSAU-MOSINEE PAPER CORP      COMMON STOCK     943315101       80     5925 SH       OTHER                  5925        0        0
WEIS MARKETS INC               COMMON STOCK     948849104       22      600 SH       DEFINED                 600        0        0
WELLPOINT HEALTH NETWORKS INC  COMMON STOCK     94973H108      318     3275 SH       DEFINED                2975        0      300
WELLPOINT HEALTH NETWORKS INC  COMMON STOCK     94973H108       46      475 SH       OTHER                   475        0        0
WELLS FARGO & CO               COMMON STOCK     949746101     9632   163560 SH       DEFINED              163460        0      100
WELLS FARGO & CO               COMMON STOCK     949746101     4904    83274 SH       OTHER                 83274        0        0
WENDYS INTERNATIONAL INC       COMMON STOCK     950590109       27      700 SH       OTHER                   700        0        0
WESTAR ENERGY INC              COMMON STOCK     95709T100       14      669 SH       DEFINED                 669        0        0
WESTAR ENERGY INC              COMMON STOCK     95709T100       12      600 SH       OTHER                   600        0        0
WEYERHAEUSER CO                COMMON STOCK     962166104      600     9380 SH       DEFINED                8930        0      450
WEYERHAEUSER CO                COMMON STOCK     962166104      450     7028 SH       OTHER                  7028        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106       94     1300 SH       DEFINED                1300        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106       27      375 SH       OTHER                   375        0        0
WILLIAMS COS INC               COMMON STOCK     969457100       24     2449 SH       DEFINED                2449        0        0
WILLIAMS COS INC               COMMON STOCK     969457100        7      700 SH       OTHER                   700        0        0
WINMARK CORP                   COMMON STOCK     974250102        3      150 SH       OTHER                   150        0        0
WINTON FINL CORP               COMMON STOCK     976446104        7      500 SH       OTHER                   500        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106      168     5030 SH       DEFINED                5030        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106       26      788 SH       OTHER                   788        0        0
WORTHINGTON INDS INC           COMMON STOCK     981811102      215    11900 SH       DEFINED               11900        0        0
WORTHINGTON INDS INC           COMMON STOCK     981811102      166     9200 SH       OTHER                  9200        0        0
WRIGHT MEDICAL GROUP INC       COMMON STOCK     98235T107       30     1000 SH       DEFINED                1000        0        0
WRIGLEY WM JR CO               COMMON STOCK     982526105      101     1800 SH       DEFINED                1200        0      600
WRIGLEY WM JR CO               COMMON STOCK     982526105      309     5500 SH       OTHER                  5500        0        0
WYETH                          COMMON STOCK     983024100     1975    46516 SH       DEFINED               46216        0      300
WYETH                          COMMON STOCK     983024100      567    13350 SH       OTHER                 13250        0      100
XEROX CORP                     COMMON STOCK     984121103       18     1326 SH       DEFINED                1326        0        0
XEROX CORP                     COMMON STOCK     984121103        8      550 SH       OTHER                   550        0        0
YORK INTL CORP NEW             COMMON STOCK     986670107       61     1650 SH       DEFINED                1650        0        0
YOUNG BROADCST                 COMMON STOCK     987434107       24     1200 SH       DEFINED                1200        0        0
YUM! BRANDS INC                COMMON STOCK     988498101       39     1144 SH       DEFINED                 944        0      200
YUM! BRANDS INC                COMMON STOCK     988498101       74     2160 SH       OTHER                  2160        0        0
ZIMMER HLDGS INC               COMMON STOCK     98956P102      718    10197 SH       DEFINED               10077        0      120
ZIMMER HLDGS INC               COMMON STOCK     98956P102     1037    14724 SH       OTHER                 14724        0        0
3COM CORP                      COMMON STOCK     885535104        8     1000 SH       OTHER                  1000        0        0
3M CO                          COMMON STOCK     88579Y101     1270    14932 SH       DEFINED               14932        0        0
3M CO                          COMMON STOCK     88579Y101     7235    85088 SH       OTHER                 85088        0        0
ABN AMRO HLDG N V SPNS ADR     COMMON STOCK     000937102        5      221 SH       DEFINED                 221        0        0
ACCENTURE LTD CL A             COMMON STOCK     G1150G111        6      229 SH       DEFINED                 229        0        0
AEGON NV                       COMMON STOCK     007924103       35     2381 SH       DEFINED                2381        0        0
AEGON NV                       COMMON STOCK     007924103      292    19709 SH       OTHER                 19709        0        0
ALCAN INC                      COMMON STOCK     013716105        5      105 SH       DEFINED                 105        0        0
ALLSTREAM INC                  COMMON STOCK     02004C105        0        6 SH       OTHER                     6        0        0
ALLSTREAM INC                  COMMON STOCK     02004C204       20      344 SH       OTHER                   344        0        0
AMERICA MOVIL SERIES L ADR     COMMON STOCK     02364W105      118     4300 SH       DEFINED                4300        0        0
AMERICA MOVIL SERIES L ADR     COMMON STOCK     02364W105       16      600 SH       OTHER                   600        0        0
AUTOLIV INC                    COMMON STOCK     052800109        4      102 SH       DEFINED                  34        0       68
AUTOLIV INC                    COMMON STOCK     052800109        1       34 SH       OTHER                    34        0        0
AXA ADR                        COMMON STOCK     054536107        5      248 SH       DEFINED                 248        0        0
BCE INC ADR                    COMMON STOCK     05534B109        7      322 SH       DEFINED                 322        0        0
BIOVAIL CORP                   COMMON STOCK     09067J109        2      100 SH       DEFINED                 100        0        0
BP AMOCO PLCADR                COMMON STOCK     055622104     3396    68809 SH       DEFINED               67639        0     1170
BP AMOCO PLCADR                COMMON STOCK     055622104     4901    99321 SH       OTHER                 99321        0        0
CAMBIOR INC                    COMMON STOCK     13201L103        6     2000 SH       DEFINED                2000        0        0
CARNIVAL CORP                  COMMON STOCK     143658300       11      271 SH       DEFINED                 271        0        0
CHICAGO BRIDGE & IRON CO       COMMON STOCK     167250109       27      950 SH       DEFINED                 950        0        0
COOPER INDUSTRIES LTD-CL A     COMMON STOCK     G24182100      338     5828 SH       DEFINED                5728        0      100
COOPER INDUSTRIES LTD-CL A     COMMON STOCK     G24182100       58     1000 SH       OTHER                  1000        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123       83     1785 SH       DEFINED                1785        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123       23      498 SH       OTHER                   498        0        0
DEUTSCHE TELEKOM AG SPONS ADR  COMMON STOCK     251566105       48     2640 SH       DEFINED                2640        0        0
DEUTSCHE TELEKOM AG SPONS ADR  COMMON STOCK     251566105       10      554 SH       OTHER                   554        0        0
ELAN PLC SPONSORED ADR         COMMON STOCK     284131208       28     4100 SH       DEFINED                4100        0        0
ELAN PLC SPONSORED ADR         COMMON STOCK     284131208        3      400 SH       OTHER                   400        0        0
ENCANA CORP                    COMMON STOCK     292505104       32      800 SH       OTHER                   800        0        0
ERICSSON (LM) TEL SPONS ADR    COMMON STOCK     294821608        7      400 SH       DEFINED                 400        0        0
ERICSSON (LM) TEL SPONS ADR    COMMON STOCK     294821608      253    14280 SH       OTHER                 14280        0        0
EVEREST RE GROUP LIMITED       COMMON STOCK     G3223R108       17      200 SH       DEFINED                 200        0        0
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102     1423    96180 SH       DEFINED               94580        0     1600
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102      448    30295 SH       OTHER                 30295        0        0
FUJI PHOTO FILM LTD ADR        COMMON STOCK     359586302        6      173 SH       DEFINED                 173        0        0
GALLAHER GROUP PLC SPONSORED A COMMON STOCK     363595109       57     1344 SH       OTHER                  1344        0        0
GLAXO SMITHKLINE SPONSORED ADR COMMON STOCK     37733W105      284     6097 SH       DEFINED                6097        0        0
GLAXO SMITHKLINE SPONSORED ADR COMMON STOCK     37733W105     1409    30223 SH       OTHER                 30223        0        0
GLOBALSANTEFE CORP             COMMON STOCK     G3930E101      188     7590 SH       DEFINED                6583        0     1007
GLOBALSANTEFE CORP             COMMON STOCK     G3930E101       49     1964 SH       OTHER                  1964        0        0
GOLDCORP INC                   COMMON STOCK     380956409       16     1000 SH       DEFINED                1000        0        0
HITACHI LTD ADR                COMMON STOCK     433578507        5       75 SH       DEFINED                  75        0        0
HONDA MOTOR LTD ADR            COMMON STOCK     438128308       14      600 SH       DEFINED                 600        0        0
HSBC HOLDINGS PLC SPONS ADR    COMMON STOCK     404280406      173     2192 SH       DEFINED                2192        0        0
HSBC HOLDINGS PLC SPONS ADR    COMMON STOCK     404280406       31      387 SH       OTHER                   387        0        0
INGERSOLL-RAND CO CL A         COMMON STOCK     G4776G101     1809    26645 SH       DEFINED               26645        0        0
INGERSOLL-RAND CO CL A         COMMON STOCK     G4776G101     1093    16106 SH       OTHER                 16106        0        0
KONINKLIJKE AHOLD NV ADR       COMMON STOCK     500467303        2      310 SH       DEFINED                 310        0        0
KONINKLIJKE PHILIPS ELECTRS NV COMMON STOCK     500472303      253     8685 SH       DEFINED                8685        0        0
KONINKLIJKE PHILIPS ELECTRS NV COMMON STOCK     500472303       11      388 SH       OTHER                   388        0        0
LANOPTICS LTD                  COMMON STOCK     M6706C103       19     2000 SH       DEFINED                2000        0        0
MANULIFE FINANCIAL CORP        COMMON STOCK     56501R106      102     3157 SH       DEFINED                3157        0        0
MANULIFE FINANCIAL CORP        COMMON STOCK     56501R106       33     1007 SH       OTHER                  1007        0        0
METTLER-TOLEDO INTERNATIONAL I COMMON STOCK     592688105        8      200 SH       DEFINED                 200        0        0
MITSUBISHI TOKYO FINL ADR      COMMON STOCK     606816106        5      630 SH       DEFINED                 630        0        0
NABORS INDUSTRIES LTD          COMMON STOCK     G6359F103        8      200 SH       DEFINED                 200        0        0
NEWS CORP PREF ADR             COMMON STOCK     652487802       13      425 SH       DEFINED                 425        0        0
NEWS CORP PREF ADR             COMMON STOCK     652487802       10      321 SH       OTHER                   306        0       15
NIPPON TELEG & TEL CORP SPONS  COMMON STOCK     654624105        6      240 SH       DEFINED                 240        0        0
NOBLE CORPORATION              COMMON STOCK     G65422100      226     6325 SH       DEFINED                5675        0      650
NOBLE CORPORATION              COMMON STOCK     G65422100       42     1175 SH       OTHER                  1175        0        0
NOKIA CORP SPNSD ADR           COMMON STOCK     654902204       98     5759 SH       DEFINED                5759        0        0
NOKIA CORP SPNSD ADR           COMMON STOCK     654902204      128     7500 SH       OTHER                  7500        0        0
NORTEL NETWORKS CORP           COMMON STOCK     656568102        4      900 SH       DEFINED                 900        0        0
NORTEL NETWORKS CORP           COMMON STOCK     656568102        8     1850 SH       OTHER                  1850        0        0
PLACER DOME INC                COMMON STOCK     725906101      114     6350 SH       DEFINED                   0        0     6350
PLACER DOME INC                COMMON STOCK     725906101       26     1470 SH       OTHER                  1470        0        0
POTASH CORP SASK INC           COMMON STOCK     73755L107        3       29 SH       DEFINED                  29        0        0
REPSOL YPF SA SPONSORED ADR    COMMON STOCK     76026T205      213    10920 SH       DEFINED               10920        0        0
REPSOL YPF SA SPONSORED ADR    COMMON STOCK     76026T205        4      200 SH       OTHER                   200        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102       19      733 SH       DEFINED                 733        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102       16      646 SH       OTHER                   646        0        0
RINKER GROUP LTD-ADR           COMMON STOCK     76687M101        5      100 SH       DEFINED                 100        0        0
ROYAL BK SCOT GROUP ADR SER F  COMMON STOCK     780097804       11      400 SH       DEFINED                 400        0        0
ROYAL DUTCH PETROLEUM          COMMON STOCK     780257804      923    17620 SH       DEFINED               17070        0      550
ROYAL DUTCH PETROLEUM          COMMON STOCK     780257804     1135    21671 SH       OTHER                 21671        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      940    17174 SH       DEFINED               16699        0      475
SCHLUMBERGER LTD               COMMON STOCK     806857108      564    10300 SH       OTHER                 10175        0      125
SCOTTISH POWER PLC-ADR         COMMON STOCK     81013T705       23      843 SH       OTHER                   843        0        0
SMITH & NEPHEW PLC-ADR         COMMON STOCK     83175M205       14      326 SH       DEFINED                 326        0        0
SUN LIFE FINANCIAL INC         COMMON STOCK     866796105       86     3436 SH       DEFINED                3436        0        0
SUNCOR ENERGY INC              COMMON STOCK     867229106       50     2000 SH       DEFINED                2000        0        0
TELECOM CORP NEW ZEALAND LTD   COMMON STOCK     879278208      256     9070 SH       DEFINED                9070        0        0
TELEFONOS DE MEXICO S A ADR    COMMON STOCK     879403780      210     6350 SH       DEFINED                6350        0        0
TELEFONOS DE MEXICO S A ADR    COMMON STOCK     879403780       30      900 SH       OTHER                   900        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209       24      430 SH       DEFINED                 430        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209       82     1450 SH       OTHER                  1450        0        0
TOYOTA MTR CORP SPONSD ADR     COMMON STOCK     892331307       28      400 SH       DEFINED                 400        0        0
TRANSCANADA CORP               COMMON STOCK     89353D107        2      100 SH       OTHER                   100        0        0
TRANSOCEAN INC                 COMMON STOCK     G90078109        9      386 SH       DEFINED                 386        0        0
TRANSOCEAN INC                 COMMON STOCK     G90078109        5      211 SH       OTHER                   211        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106      419    15821 SH       DEFINED               15371        0      450
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106       58     2187 SH       OTHER                  1758        0      429
UNILEVER N V NY SHARES         COMMON STOCK     904784709      245     3775 SH       DEFINED                3775        0        0
UNILEVER N V NY SHARES         COMMON STOCK     904784709      320     4935 SH       OTHER                  4935        0        0
VODAFONE GROUP PLC ADR         COMMON STOCK     92857W100     7762   309972 SH       DEFINED              309572        0      400
VODAFONE GROUP PLC ADR         COMMON STOCK     92857W100     2697   107715 SH       OTHER                107715        0        0
WEATHERFORD INTL LTD           COMMON STOCK     G95089101        9      250 SH       DEFINED                 250        0        0
XL CAP LTD                     COMMON STOCK     G98255105     5781    74543 SH       DEFINED               73918        0      625
XL CAP LTD                     COMMON STOCK     G98255105     1364    17587 SH       OTHER                 17587        0        0
CONSECO INC-WTS              9 COMMON STOCK     208464123        1       77 SH       OTHER                    77        0        0
APARTMENT INVT & MGMT CO       COMMON STOCK     03748R101        6      186 SH       DEFINED             N.A.     N.A.     N.A.
BRE PROPERTIES CL A            COMMON STOCK     05564E106       44     1325 SH       DEFINED             N.A.     N.A.     N.A.
CAMDEN PPTY TR                 COMMON STOCK     133131102       18      400 SH       DEFINED             N.A.     N.A.     N.A.
CAMDEN PPTY TR                 COMMON STOCK     133131102        5      108 SH       OTHER               N.A.     N.A.     N.A.
CAPITAL AUTOMOTIVE REIT COM    COMMON STOCK     139733109       13      400 SH       DEFINED             N.A.     N.A.     N.A.
CAPITAL AUTOMOTIVE REIT COM    COMMON STOCK     139733109       64     2000 SH       OTHER               N.A.     N.A.     N.A.
CBL & ASSOC PPTYS INC          COMMON STOCK     124830100      540     9550 SH       DEFINED             N.A.     N.A.     N.A.
CBL & ASSOC PPTYS INC          COMMON STOCK     124830100      299     5300 SH       OTHER               N.A.     N.A.     N.A.
CRESCENT REAL ESTATE EQUITIES  COMMON STOCK     225756105       34     2000 SH       DEFINED             N.A.     N.A.     N.A.
DUKE REALTY CORP               COMMON STOCK     264411505       17      552 SH       DEFINED             N.A.     N.A.     N.A.
DUKE REALTY CORP               COMMON STOCK     264411505       36     1146 SH       OTHER               N.A.     N.A.     N.A.
EASTGROUP PPTYS INC            COMMON STOCK     277276101       10      300 SH       DEFINED             N.A.     N.A.     N.A.
ENTERTAINMENT PPTYS TR COM     COMMON STOCK     29380T105        9      270 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY INNS INC                COMMON STOCK     294703103       18     2000 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY OFFICE PPTYS TR         COMMON STOCK     294741103        6      225 SH       DEFINED             N.A.     N.A.     N.A.
EQUITY ONE INC COM             COMMON STOCK     294752100        4      218 SH       DEFINED             N.A.     N.A.     N.A.
FEDERAL REALTY INVESTMENT TRUS COMMON STOCK     313747206       84     2200 SH       DEFINED             N.A.     N.A.     N.A.
FIRST INDUST REALTY TR INC     COMMON STOCK     32054K103       37     1100 SH       DEFINED             N.A.     N.A.     N.A.
FRIEDMAN BILLINGS RAMSEY-A     COMMON STOCK     358434108       53     2300 SH       DEFINED             N.A.     N.A.     N.A.
HEALTH CARE PPTY INVS INC      COMMON STOCK     421915109       10      200 SH       DEFINED             N.A.     N.A.     N.A.
HEALTH CARE REIT INC           COMMON STOCK     42217K106       32      900 SH       DEFINED             N.A.     N.A.     N.A.
HEALTHCARE RLTY TR INC         COMMON STOCK     421946104      111     3100 SH       DEFINED             N.A.     N.A.     N.A.
HIGHWOODS PROPERTIES INC       COMMON STOCK     431284108       43     1700 SH       DEFINED             N.A.     N.A.     N.A.
HOSPITALITY PROPERTIES TRUST   COMMON STOCK     44106M102       17      400 SH       OTHER               N.A.     N.A.     N.A.
ISTAR FINANCIAL INC            COMMON STOCK     45031U101       22      575 SH       DEFINED             N.A.     N.A.     N.A.
LEXINGTON CORPORATE PPTYS TR   COMMON STOCK     529043101        6      300 SH       DEFINED             N.A.     N.A.     N.A.
LIBERTY PROPERTY TRUST         COMMON STOCK     531172104       19      500 SH       DEFINED             N.A.     N.A.     N.A.
MACK CALI RLTY CORP            COMMON STOCK     554489104       17      400 SH       DEFINED             N.A.     N.A.     N.A.
MID-AMER APT CMNTYS INC        COMMON STOCK     59522J103       11      333 SH       DEFINED             N.A.     N.A.     N.A.
MID-AMER APT CMNTYS INC        COMMON STOCK     59522J103      287     8533 SH       OTHER               N.A.     N.A.     N.A.
PENNSYLVANIA REAL ESTATE INVT  COMMON STOCK     709102107       35      975 SH       DEFINED             N.A.     N.A.     N.A.
PUBLIC STORAGE INC             COMMON STOCK     74460D109      158     3630 SH       OTHER               N.A.     N.A.     N.A.
SENIOR HOUSING PROPERTIES TRUS COMMON STOCK     81721M109       40     2300 SH       DEFINED             N.A.     N.A.     N.A.
SHURGARD STORAGE CTRS INC CL A COMMON STOCK     82567D104      114     3034 SH       OTHER               N.A.     N.A.     N.A.
SIMON PROPERTY GROUP INC       COMMON STOCK     828806109       83     1800 SH       DEFINED             N.A.     N.A.     N.A.
UNITED DOMINION REALTY TRUST I COMMON STOCK     910197102       46     2400 SH       DEFINED             N.A.     N.A.     N.A.
UNITED DOMINION REALTY TRUST I COMMON STOCK     910197102        2      106 SH       OTHER               N.A.     N.A.     N.A.
WASHINGTON REAL ESTATE INVT TR COMMON STOCK     939653101       15      500 SH       DEFINED             N.A.     N.A.     N.A.
ARPT INVT & MGMT 9.000% PFD SE PREFERRED STOCK  03748R861        9      341 SH       DEFINED             N.A.     N.A.     N.A.
BAXTER INTERNATL 7.000% PFD    PREFERRED STOCK  071813406        7      130 SH       DEFINED             N.A.     N.A.     N.A.
PUBLIC STORAGE INC 12.250% PFD PREFERRED STOCK  74460D729        3       97 SH       OTHER               N.A.     N.A.     N.A.
ALLTEL CORP 7.750% PFD         PREFERRED STOCK  020039822        4       90 SH       DEFINED             N.A.     N.A.     N.A.
CHUBB CORP 7.000% PFD          PREFERRED STOCK  171232309        5      185 SH       DEFINED             N.A.     N.A.     N.A.
CITIZENS UTILS TR 5.000% PFD   PREFERRED STOCK  177351202       41      800 SH       OTHER               N.A.     N.A.     N.A.
FORD CAP TR II 6.500% CONV PFD PREFERRED STOCK  345395206       12      215 SH       DEFINED             N.A.     N.A.     N.A.
GENL MTRS CORP 4.500% CONV PFD PREFERRED STOCK  370442741       10      365 SH       DEFINED             N.A.     N.A.     N.A.
KERR-MCGEE CORP 5.500% PFD     PREFERRED STOCK  492386305        5      100 SH       DEFINED             N.A.     N.A.     N.A.
MOTOROLA INC 7.000% PFD        PREFERRED STOCK  620076208        7      165 SH       DEFINED             N.A.     N.A.     N.A.
NATL AUSTRALIA BK LTD          PREFERRED STOCK  632525309        6      150 SH       DEFINED             N.A.     N.A.     N.A.
TRAVELERS PPTY 4.500% CONV PFD PREFERRED STOCK  89420G307        5      190 SH       DEFINED             N.A.     N.A.     N.A.
UNION PLANTERS CORP CONV PFD C PREFERRED STOCK  908068307       33      500 SH       DEFINED             N.A.     N.A.     N.A.
UNION PLANTERS CORP CONV PFD C PREFERRED STOCK  908068307        3       39 SH       OTHER               N.A.     N.A.     N.A.
XRX CORP 6.250% PFD            PREFERRED STOCK  984121509        3       25 SH       DEFINED             N.A.     N.A.     N.A.
ALZA CORP             Z-CPN  7 OTHER            02261WAB5        7     9000 PRN      DEFINED             N.A.     N.A.     N.A.
AMAZON COM INC       4.750%  2 OTHER            023135AF3        7     7000 PRN      DEFINED             N.A.     N.A.     N.A.
BROCADE COM SYS      2.000%  1 OTHER            111621AB4        5     6000 PRN      DEFINED             N.A.     N.A.     N.A.
CARNIVAL CORP        2.000%  4 OTHER            143658AN2        4     3000 PRN      DEFINED             N.A.     N.A.     N.A.
COMPUTER ASSOC       5.000%  3 OTHER            204912AR0        5     4000 PRN      DEFINED             N.A.     N.A.     N.A.
COUNTRYWIDE CR        Z-CPN  2 OTHER            222372AE4        7     6000 PRN      DEFINED             N.A.     N.A.     N.A.
DISNEY WALT CO       2.125%  4 OTHER            254687AU0        4     4000 PRN      DEFINED             N.A.     N.A.     N.A.
EOP OPER LP          7.250% 11 OTHER            268766BR2        5     5000 PRN      DEFINED             N.A.     N.A.     N.A.
FIRST DATA CORP      2.000%  3 OTHER            319963AD6        3     3000 PRN      DEFINED             N.A.     N.A.     N.A.
GAP INC              5.750%  3 OTHER            364760AJ7        6     4000 PRN      DEFINED             N.A.     N.A.     N.A.
INTERNATIONAL PAPER   Z-CPN  6 OTHER            460146BM4        5    10000 PRN      DEFINED             N.A.     N.A.     N.A.
INTL GAME TECH        Z-CPN  1 OTHER            459902AL6        6     8000 PRN      DEFINED             N.A.     N.A.     N.A.
L-3 COMM HLDGS       5.250%  6 OTHER            502424AB0        5     4000 PRN      DEFINED             N.A.     N.A.     N.A.
LIBERTY MEDIA CORP   3.250%  3 OTHER            530715AR2        5     5000 PRN      DEFINED             N.A.     N.A.     N.A.
MEDTRONIC INC        1.250%  9 OTHER            585055AB2        7     7000 PRN      DEFINED             N.A.     N.A.     N.A.
PHOTRONICS INC       4.750% 12 OTHER            719405AC6        4     4000 PRN      DEFINED             N.A.     N.A.     N.A.
QUEST DIAGNOSTICS    1.750% 11 OTHER            74834LAF7        5     5000 PRN      DEFINED             N.A.     N.A.     N.A.
ROYAL CARIBBEAN CONV  Z-CPN  5 OTHER            780153AM4       11    19000 PRN      DEFINED             N.A.     N.A.     N.A.
SYMANTEC CORP        3.000% 11 OTHER            871503AB4        8     4000 PRN      DEFINED             N.A.     N.A.     N.A.
TELEFONOS DE MEXICO  4.250%  6 OTHER            879403AD5        5     4000 PRN      DEFINED             N.A.     N.A.     N.A.
VEECO INSTRS INC     4.125% 12 OTHER            922417AB6        6     6000 PRN      DEFINED             N.A.     N.A.     N.A.
WMX TECHNOLOGIES INC 2.000%  1 OTHER            92929QAF4        6     6000 PRN      DEFINED             N.A.     N.A.     N.A.
AMGEN INC             Z-CPN  3 OTHER            031162AE0        5     6000 SH       DEFINED             N.A.     N.A.     N.A.
JC PENNEY CO         5.000% 10 OTHER            708160BV7        5     5000 PRN      DEFINED             N.A.     N.A.     N.A.
JC PENNEY CO         5.000% 10 OTHER            708160BV7       27    25000 PRN      OTHER               N.A.     N.A.     N.A.
BLACKROCK INVT QUALITY MUN TR  OTHER            09247D105       47     3231 SH       DEFINED             N.A.     N.A.     N.A.
LIBERTY ALL-STAR GROWTH FD INC OTHER            529900102       48     6976 SH       DEFINED             N.A.     N.A.     N.A.
LINCOLN NATL CONV SECS FD INC  OTHER            534183108       11      800 SH       DEFINED             N.A.     N.A.     N.A.
NATIONS BALANCED TARGET MATURI OTHER            63857K107       26     2700 SH       DEFINED             N.A.     N.A.     N.A.
SALOMON BROS FD INC            OTHER            795477108       74     6151 SH       OTHER               N.A.     N.A.     N.A.
MEXICO FD INC                  OTHER            592835102       16      993 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY ASIA-PACIFIC FU OTHER            61744U106       11      983 SH       DEFINED             N.A.     N.A.     N.A.
MORGAN STANLEY EMERGING MARKET OTHER            61744G107        4      300 SH       DEFINED             N.A.     N.A.     N.A.
ADAMS EXPRESS COMPANY          OTHER            006212104      224    18065 SH       OTHER               N.A.     N.A.     N.A.
ENERPLUS RESOURCES FUND        OTHER            29274D604        6      200 SH       DEFINED             N.A.     N.A.     N.A.
ENERPLUS RESOURCES FUND        OTHER            29274D604        6      200 SH       OTHER               N.A.     N.A.     N.A.
GABELLI DIVIDEND & INCOME TR   OTHER            36242H104       20     1000 SH       DEFINED             N.A.     N.A.     N.A.
GENERAL AMERICAN INVESTORS     OTHER            368802104      126     4230 SH       OTHER               N.A.     N.A.     N.A.
LIBERTY ALL STAR EQUITY FD     OTHER            530158104       42     4397 SH       DEFINED             N.A.     N.A.     N.A.
MASSMUTUAL CORPORATE INVS INC  OTHER            576292106        9      400 SH       DEFINED             N.A.     N.A.     N.A.
MFS MULTIMARKET INCOME TR      OTHER            552737108        6     1000 SH       DEFINED             N.A.     N.A.     N.A.
PETROLEUM & RES CORP           OTHER            716549100       13      561 SH       DEFINED             N.A.     N.A.     N.A.
PETROLEUM & RES CORP           OTHER            716549100       62     2627 SH       OTHER               N.A.     N.A.     N.A.
STREETTRACKS SER TR SML CAP VA OTHER            86330E406       98      600 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON DRAGON FD INC        OTHER            88018T101       48     2650 SH       OTHER               N.A.     N.A.     N.A.
TEMPLETON EMERGING MKTS FD INC OTHER            880191101        6      400 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON EMERGING MKTS FD INC OTHER            880191101        4      300 SH       OTHER               N.A.     N.A.     N.A.
TRI CONTINENTAL CORPORATION    OTHER            895436103       20     1213 SH       DEFINED             N.A.     N.A.     N.A.
TRI CONTINENTAL CORPORATION    OTHER            895436103      110     6731 SH       OTHER               N.A.     N.A.     N.A.
HANCOCK JOHN INVS TR SH BEN IN OTHER            410142103       60     3000 SH       OTHER               N.A.     N.A.     N.A.
LINCOLN NATL INCOME FUND       OTHER            534217104       45     3068 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON EMERG MKTS INC FD    OTHER            880192109        5      400 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON GLOBAL INCOME FD INC OTHER            880198106      101    10600 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109       78     4500 SH       DEFINED             N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUNS INC     OTHER            261932107        6      600 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY MUNI PREM INCOM OTHER            61745P429       10     1000 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY QUALITY MUNI IN OTHER            61745P734        7      500 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY QUALITY MUNI IN OTHER            61745P668        9      600 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       11      700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUN FD INC OTHER            67062N103       20     1185 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUN FD INC OTHER            67062N103       33     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUN ADVANTAGE FD INC    OTHER            67062H106       19     1230 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUN VALUE FD INC        OTHER            670928100       19     2000 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 4 IN OTHER            6706K4105       14     1138 SH       OTHER               N.A.     N.A.     N.A.
PUTNAM HIGH YIELD MUN TR       OTHER            746781103       28     4075 SH       OTHER               N.A.     N.A.     N.A.
ACM INCOME FUND, INC           OTHER            000912105       62     7224 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INSD MUN INCOME TR   OTHER            092479104       11      795 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN INCOME TR   OTHER            092479104       38     2705 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INSD MUN TERM TR INC OTHER            092474105       17     1500 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK MUNI TARGET TERM TR  OTHER            09247M105       47     4300 SH       DEFINED             N.A.     N.A.     N.A.
DNP SELECT INCOME FUND INC     OTHER            23325P104       33     3000 SH       DEFINED             N.A.     N.A.     N.A.
DNP SELECT INCOME FUND INC     OTHER            23325P104       96     8800 SH       OTHER               N.A.     N.A.     N.A.
DREYFUS STRATEGIC MUN BD FD IN OTHER            26202F107        5      600 SH       OTHER               N.A.     N.A.     N.A.
HANCOCK JOHN INCOME SECS TR    OTHER            410123103       11      736 SH       DEFINED             N.A.     N.A.     N.A.
HIGH YIELD INCOME FUND INC     OTHER            429904105       25     4000 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED HIGH YIELD PLUS FD INC OTHER            561911108       31     5416 SH       DEFINED             N.A.     N.A.     N.A.
MFS CHARTER INCOME TR          OTHER            552727109       18     2000 SH       OTHER               N.A.     N.A.     N.A.
MFS MUN INCOME TR              OTHER            552738106       33     4300 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY INSURED MUNI IN OTHER            61745P791      116     7800 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD INSD FD INC          OTHER            62630E107       64     4331 SH       DEFINED             N.A.     N.A.     N.A.
NEUBERGER BERMAN INTER MUNI BD OTHER            64124P101        6      475 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103      135     8763 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUN MKT OPPORTUNITY FD  OTHER            67062W103       31     2121 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       68     4630 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUNI FD  OTHER            670973106      132     8686 SH       OTHER               N.A.     N.A.     N.A.
PIMCO MUNICIPAL INCOME FUND    OTHER            72200R107        7      487 SH       DEFINED             N.A.     N.A.     N.A.
PIMCO STRATEGIC GLOBAL GOVT FD OTHER            72200X104        7      600 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MANAGED MUN INCOME TR   OTHER            746823103        7      900 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MUNI OPPORTUNITIES TR   OTHER            746922103       30     2307 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MUNI OPPORTUNITIES TR   OTHER            746922103       31     2400 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN ADVNTG MUNI INCOME  OTHER            921124103       26     1575 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN SENIOR INCOME TRS   OTHER            920961109       17     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PERFORM PLUS MUN MIT MO OTHER            67062P108       19     1275 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN TR INSURED MUNIS    OTHER            920928108       18     1024 SH       OTHER               N.A.     N.A.     N.A.
EQUITY INV UIT SER 1 MONTHLY   OTHER            294700703       25      300 SH       OTHER               N.A.     N.A.     N.A.
MAGELLAN MIDSTREAM PARTNERS    OTHER            559080106       33      700 SH       DEFINED             N.A.     N.A.     N.A.