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     2354    57756 SH       DEFINED               57381        0      375
ABBOTT LABS                    COMMON STOCK     002824100     2150    52760 SH       OTHER                 52760        0        0
ABGENIX INC                    COMMON STOCK     00339B107        6      500 SH       DEFINED                 500        0        0
ACCREDO HEALTH INC             COMMON STOCK     00437V104       16      400 SH       OTHER                   400        0        0
ADOBE SYS INC                  COMMON STOCK     00724F101       13      269 SH       DEFINED                 269        0        0
ADVANCED MEDICAL OPTICS-W/I    COMMON STOCK     00763M108        1       33 SH       OTHER                    33        0        0
ADVANCED MICRO DEVICES INC     COMMON STOCK     007903107       10      600 SH       DEFINED                 600        0        0
ADVANCED MICRO DEVICES INC     COMMON STOCK     007903107        2      100 SH       OTHER                   100        0        0
AETNA INC                      COMMON STOCK     00817Y108       47      548 SH       DEFINED                 548        0        0
AETNA INC                      COMMON STOCK     00817Y108      252     2959 SH       OTHER                  2959        0        0
AFFILIATED COMPUTER SVCS INC C COMMON STOCK     008190100       48      900 SH       OTHER                   900        0        0
AFLAC INC                      COMMON STOCK     001055102     5216   127820 SH       DEFINED               95720        0    32100
AFLAC INC                      COMMON STOCK     001055102     1743    42714 SH       OTHER                 35214      100     7400
AGCO CORP                      COMMON STOCK     001084102      271    13300 SH       DEFINED               13300        0        0
AGERE SYSTEMS INC-CL A         COMMON STOCK     00845V100        0       38 SH       DEFINED                  38        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        3     1353 SH       DEFINED                1353        0        0
AGERE SYSTEMS INC-CL B         COMMON STOCK     00845V209        3     1362 SH       OTHER                  1362        0        0
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101       68     2319 SH       DEFINED                2319        0        0
AGILENT TECHNOLOGIES INC       COMMON STOCK     00846U101        7      228 SH       OTHER                   228        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      975    18590 SH       DEFINED               18590        0        0
AIR PRODUCTS & CHEMICALS INC   COMMON STOCK     009158106      313     5965 SH       OTHER                  5965        0        0
ALBEMARLE FIRST BK CHARLOTTESV COMMON STOCK     012684106       14     1500 SH       OTHER                  1500        0        0
ALBERTO CULVER CO              COMMON STOCK     013068101      798    15912 SH       DEFINED               15912        0        0
ALBERTO CULVER CO              COMMON STOCK     013068101      229     4572 SH       OTHER                  4125        0      447
ALBERTSONS INC                 COMMON STOCK     013104104        3      100 SH       DEFINED                 100        0        0
ALCOA INC COM                  COMMON STOCK     013817101      990    29980 SH       DEFINED               29805        0      175
ALCOA INC COM                  COMMON STOCK     013817101     1573    47626 SH       OTHER                 47626        0        0
ALEXANDER & BALDWIN INC        COMMON STOCK     014482103       77     2300 SH       DEFINED                2300        0        0
ALLEGHENY ENERGY INC           COMMON STOCK     017361106        6      400 SH       OTHER                   400        0        0
ALLERGAN INC                   COMMON STOCK     018490102       13      150 SH       OTHER                   150        0        0
ALLIANCE CAPITAL MGMT HOLDING  COMMON STOCK     01855A101        8      250 SH       OTHER                   250        0        0
ALLIANT CORP                   COMMON STOCK     018802108       21      800 SH       DEFINED                 400        0      400
ALLIANT CORP                   COMMON STOCK     018802108       42     1600 SH       OTHER                  1600        0        0
ALLIANT TECHSYSTEMS INC        COMMON STOCK     018804104        2       33 SH       OTHER                    33        0        0
ALLIED CAP CORP NEW            COMMON STOCK     01903Q108       31     1250 SH       DEFINED                1250        0        0
ALLSTATE CORP                  COMMON STOCK     020002101        9      192 SH       DEFINED                 192        0        0
ALLSTATE CORP                  COMMON STOCK     020002101      487    10464 SH       OTHER                 10464        0        0
ALLTEL CORP                    COMMON STOCK     020039103      233     4600 SH       DEFINED                4450        0      150
ALLTEL CORP                    COMMON STOCK     020039103      449     8869 SH       OTHER                  8525        0      344
ALTRIA GROUP INC               COMMON STOCK     02209S103     2150    42955 SH       DEFINED               42955        0        0
ALTRIA GROUP INC               COMMON STOCK     02209S103     4964    99179 SH       OTHER                 90579        0     8600
AMERADA HESS CORP              COMMON STOCK     023551104       77      968 SH       OTHER                   968        0        0
AMEREN CORP                    COMMON STOCK     023608102      126     2931 SH       DEFINED                2931        0        0
AMEREN CORP                    COMMON STOCK     023608102       60     1400 SH       OTHER                  1400        0        0
AMERICAN ELEC PWR INC          COMMON STOCK     025537101      108     3385 SH       DEFINED                3385        0        0
AMERICAN ELEC PWR INC          COMMON STOCK     025537101      174     5427 SH       OTHER                  5427        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109      543    10569 SH       DEFINED               10069        0      500
AMERICAN EXPRESS CO            COMMON STOCK     025816109      880    17120 SH       OTHER                 17120        0        0
AMERICAN FINANCIAL REALTY TR   COMMON STOCK     02607P305       13      900 SH       DEFINED                   0        0      900
AMERICAN FINANCIAL REALTY TR   COMMON STOCK     02607P305       21     1500 SH       OTHER                     0        0     1500
AMERICAN INTERNATIONAL GROUP I COMMON STOCK     026874107     8630   121068 SH       DEFINED               96468        0    24600
AMERICAN INTERNATIONAL GROUP I COMMON STOCK     026874107     3791    53187 SH       OTHER                 45779     1721     5687
AMERICAN MORTGAGE ACCEPTANCE C COMMON STOCK     027568104        5      348 SH       DEFINED                 348        0        0
AMERICAN MORTGAGE ACCEPTANCE C COMMON STOCK     027568104        8      570 SH       OTHER                   570        0        0
AMERICAN PWR CONVERSION CORP   COMMON STOCK     029066107      193     9800 SH       DEFINED                9475        0      325
AMERICAN PWR CONVERSION CORP   COMMON STOCK     029066107       42     2150 SH       OTHER                  2150        0        0
AMERICAN STD COS INC DEL       COMMON STOCK     029712106       12      300 SH       OTHER                   300        0        0
AMERISOURCEBERGEN CORP         COMMON STOCK     03073E105       26      434 SH       DEFINED                 434        0        0
AMERUS GROUP CO                COMMON STOCK     03072M108        5      112 SH       DEFINED                 112        0        0
AMERUS GROUP CO                COMMON STOCK     03072M108        3       64 SH       OTHER                    64        0        0
AMGEN INC                      COMMON STOCK     031162100       72     1327 SH       DEFINED                 527        0      800
AMGEN INC                      COMMON STOCK     031162100      142     2600 SH       OTHER                  2600        0        0
AMSOUTH BANCORPORATION         COMMON STOCK     032165102     4431   173988 SH       DEFINED              160284        0    13704
AMSOUTH BANCORPORATION         COMMON STOCK     032165102     4231   166112 SH       OTHER                127112        0    39000
ANADARKO PETE CORP             COMMON STOCK     032511107       76     1302 SH       DEFINED                1302        0        0
ANADARKO PETE CORP             COMMON STOCK     032511107      311     5299 SH       OTHER                  5068      231        0
ANALOG DEVICES INC             COMMON STOCK     032654105        5      100 SH       OTHER                   100        0        0
ANDREW CORP                    COMMON STOCK     034425108      264    13187 SH       DEFINED               13187        0        0
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103      961    17800 SH       DEFINED               17675        0      125
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103     1023    18942 SH       OTHER                 18942        0        0
ANNALY MTG MGMT INC COM        COMMON STOCK     035710409        7      430 SH       DEFINED                 430        0        0
ANNALY MTG MGMT INC COM        COMMON STOCK     035710409        5      300 SH       OTHER                   300        0        0
ANTHEM INC                     COMMON STOCK     03674B104        9      100 SH       OTHER                   100        0        0
APACHE CORP                    COMMON STOCK     037411105       11      250 SH       OTHER                   250        0        0
APPLERA CORP-APPLIED BIOSYS    COMMON STOCK     038020103       16      750 SH       OTHER                   750        0        0
APPLERA CORP-CELERA GENOMICS   COMMON STOCK     038020202        6      500 SH       DEFINED                 500        0        0
APPLERA CORP-CELERA GENOMICS   COMMON STOCK     038020202        2      200 SH       OTHER                   200        0        0
APPLIED MATERIALS INC          COMMON STOCK     038222105      514    26200 SH       DEFINED               25850        0      350
APPLIED MATERIALS INC          COMMON STOCK     038222105      163     8300 SH       OTHER                  8300        0        0
APPLIED MICRO CIRCUITS CORP CD COMMON STOCK     03822W109        9     1600 SH       OTHER                  1600        0        0
AQUA AMERICA INC               COMMON STOCK     03836W103       12      575 SH       OTHER                   575        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102      146     8693 SH       DEFINED                8693        0        0
ARCHER DANIELS MIDLAND CO      COMMON STOCK     039483102      144     8592 SH       OTHER                  8592        0        0
ARROW ELECTRS INC              COMMON STOCK     042735100       65     2413 SH       DEFINED                2413        0        0
ARTHROCARE CORP                COMMON STOCK     043136100        6      200 SH       OTHER                   200        0        0
ARVINMERITOR INC               COMMON STOCK     043353101       16      817 SH       OTHER                   817        0        0
ASHLAND INC                    COMMON STOCK     044204105        5      100 SH       DEFINED                 100        0        0
ASTEC INDS INC COM             COMMON STOCK     046224101        4      200 SH       DEFINED                 200        0        0
ASTORIA FINANCIAL CORP         COMMON STOCK     046265104       15      400 SH       OTHER                   400        0        0
AT&T CORP NEW                  COMMON STOCK     001957505       75     5111 SH       DEFINED                5111        0        0
AT&T CORP NEW                  COMMON STOCK     001957505       55     3749 SH       OTHER                  3599        0      150
AT&T WIRELESS SERVICES         COMMON STOCK     00209A106       66     4609 SH       DEFINED                4609        0        0
AT&T WIRELESS SERVICES         COMMON STOCK     00209A106       50     3459 SH       OTHER                  3218        0      241
ATLANTIS PLASTICS INC          COMMON STOCK     049156102      274    16300 SH       DEFINED               16300        0        0
ATMOS ENERGY CORP              COMMON STOCK     049560105      259    10099 SH       DEFINED               10099        0        0
ATMOS ENERGY CORP              COMMON STOCK     049560105       19      750 SH       OTHER                   750        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      480    11450 SH       DEFINED                9750        0     1700
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      350     8357 SH       OTHER                  8357        0        0
AUTOZONE INC                   COMMON STOCK     053332102       80     1000 SH       DEFINED                 850        0      150
AUTOZONE INC                   COMMON STOCK     053332102       40      500 SH       OTHER                   500        0        0
AVANEX CORP                    COMMON STOCK     05348W109       23     6000 SH       DEFINED                6000        0        0
AVAYA INC                      COMMON STOCK     053499109        6      382 SH       DEFINED                 382        0        0
AVAYA INC                      COMMON STOCK     053499109        7      421 SH       OTHER                   421        0        0
AVON PRODUCTS INC              COMMON STOCK     054303102       14      300 SH       DEFINED                 300        0        0
AVON PRODUCTS INC              COMMON STOCK     054303102      148     3200 SH       OTHER                  3200        0        0
AXCELIS TECHNOLOGIES INC       COMMON STOCK     054540109       57     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       38     1000 SH       OTHER                  1000        0        0
BANCTRUST FINANCIAL GROUP INC  COMMON STOCK     05978R107        1       32 SH       OTHER                    32        0        0
BANDAG INC                     COMMON STOCK     059815100        9      200 SH       DEFINED                 200        0        0
BANK AMERICA CORP              COMMON STOCK     060505104     2723    32180 SH       DEFINED               31850        0      330
BANK AMERICA CORP              COMMON STOCK     060505104     2062    24365 SH       OTHER                 24365        0        0
BANK NEW YORK INC              COMMON STOCK     064057102       65     2200 SH       DEFINED                2200        0        0
BANK ONE CORP                  COMMON STOCK     06423A103     1427    27974 SH       DEFINED               26722        0     1252
BANK ONE CORP                  COMMON STOCK     06423A103      449     8812 SH       OTHER                  8812        0        0
BANKUNITED FINL CORP CL A      COMMON STOCK     06652B103      108     4200 SH       OTHER                  4200        0        0
BARD CR INC                    COMMON STOCK     067383109      455     8030 SH       DEFINED                8030        0        0
BARD CR INC                    COMMON STOCK     067383109      299     5280 SH       OTHER                  5280        0        0
BAXTER INTL INC                COMMON STOCK     071813109      443    12825 SH       DEFINED               12525        0      300
BAXTER INTL INC                COMMON STOCK     071813109     1062    30778 SH       OTHER                 30778        0        0
BB&T CORPORATION               COMMON STOCK     054937107      383    10357 SH       DEFINED               10357        0        0
BB&T CORPORATION               COMMON STOCK     054937107      280     7575 SH       OTHER                  7575        0        0
BECTON DICKINSON               COMMON STOCK     075887109      236     4550 SH       DEFINED                4350        0      200
BECTON DICKINSON               COMMON STOCK     075887109       83     1600 SH       OTHER                  1600        0        0
BED BATH & BEYOND INC          COMMON STOCK     075896100        8      200 SH       DEFINED                 200        0        0
BELDEN INC                     COMMON STOCK     077459105       50     2350 SH       DEFINED                2350        0        0
BELDEN INC                     COMMON STOCK     077459105       36     1700 SH       OTHER                  1700        0        0
BELLSOUTH CORP                 COMMON STOCK     079860102     3127   119249 SH       DEFINED              118049        0     1200
BELLSOUTH CORP                 COMMON STOCK     079860102     3646   139052 SH       OTHER                139052        0        0
BELO CORPORATION               COMMON STOCK     080555105      102     3800 SH       DEFINED                3800        0        0
BELO CORPORATION               COMMON STOCK     080555105       21      800 SH       OTHER                   800        0        0
BERKSHIRE HATHAWAY INC CLASS A COMMON STOCK     084670108       89        1 SH       DEFINED                   1        0        0
BERKSHIRE HATHAWAY INC--CL B   COMMON STOCK     084670207      304      103 SH       DEFINED                 103        0        0
BERKSHIRE HATHAWAY INC--CL B   COMMON STOCK     084670207      133       45 SH       OTHER                    45        0        0
BEST BUY COMPANY INC           COMMON STOCK     086516101      225     4425 SH       DEFINED                2825        0     1600
BEST BUY COMPANY INC           COMMON STOCK     086516101       61     1205 SH       OTHER                  1205        0        0
BIO RAD LABS INC CL A          COMMON STOCK     090572207      135     2300 SH       DEFINED                2300        0        0
BIOGEN IDEC INC                COMMON STOCK     09062X103        7      115 SH       OTHER                   115        0        0
BIOMET INC                     COMMON STOCK     090613100       20      450 SH       DEFINED                 450        0        0
BIOTECH HOLDERS TRUST          COMMON STOCK     09067D201       88      600 SH       DEFINED                 600        0        0
BLACK HILLS CORP               COMMON STOCK     092113109       14      450 SH       DEFINED                 450        0        0
BLOCK H & R INC                COMMON STOCK     093671105       72     1500 SH       DEFINED                1500        0        0
BOEING CO                      COMMON STOCK     097023105      929    18175 SH       DEFINED               17925        0      250
BOEING CO                      COMMON STOCK     097023105     1524    29830 SH       OTHER                 29830        0        0
BOWATER INC                    COMMON STOCK     102183100       12      300 SH       DEFINED                 300        0        0
BRIGGS & STRATTON CORP         COMMON STOCK     109043109       35      400 SH       OTHER                   400        0        0
BRINKER INTL INC               COMMON STOCK     109641100       27      800 SH       DEFINED                 800        0        0
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108     3224   131572 SH       DEFINED              129847        0     1725
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108     3930   160410 SH       OTHER                160410        0        0
BRUNSWICK CORP                 COMMON STOCK     117043109       10      233 SH       DEFINED                 233        0        0
BUCKEYE TECHNOLOGIES INC       COMMON STOCK     118255108       43     3725 SH       DEFINED                1725        0     2000
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104       11      300 SH       DEFINED                 300        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104       29      816 SH       OTHER                   816        0        0
CABOT CORP                     COMMON STOCK     127055101        1       21 SH       OTHER                    21        0        0
CALLON PETE CO DEL             COMMON STOCK     13123X102        3      213 SH       DEFINED                 213        0        0
CAMPBELL SOUP CO               COMMON STOCK     134429109        3      100 SH       DEFINED                 100        0        0
CAPITAL LEASE FUNDING INC      COMMON STOCK     140288101       21     2000 SH       DEFINED                2000        0        0
CAPITAL ONE FINL CORP          COMMON STOCK     14040H105     5629    82315 SH       DEFINED               60315        0    22000
CAPITAL ONE FINL CORP          COMMON STOCK     14040H105     1657    24235 SH       OTHER                 18835        0     5400
CARDINAL HEALTH INC            COMMON STOCK     14149Y108     5457    77905 SH       DEFINED               56005        0    21900
CARDINAL HEALTH INC            COMMON STOCK     14149Y108     2163    30874 SH       OTHER                 28574        0     2300
CAREMARK RX INC                COMMON STOCK     141705103       32      971 SH       OTHER                   971        0        0
CARMAX INC                     COMMON STOCK     143130102        3      125 SH       OTHER                   125        0        0
CASCADE CORP                   COMMON STOCK     147195101      313    10000 SH       DEFINED               10000        0        0
CATERPILLAR INC                COMMON STOCK     149123101      136     1712 SH       DEFINED                1712        0        0
CATERPILLAR INC                COMMON STOCK     149123101      375     4726 SH       OTHER                  4726        0        0
CBRL GROUP INC COM             COMMON STOCK     12489V106       31     1000 SH       DEFINED                1000        0        0
CBRL GROUP INC COM             COMMON STOCK     12489V106       88     2837 SH       OTHER                  2837        0        0
CEDAR FAIR LP                  COMMON STOCK     150185106       95     3000 SH       OTHER                     0        0     3000
CENDANT CORP                   COMMON STOCK     151313103      385    15737 SH       DEFINED               15137        0      600
CENDANT CORP                   COMMON STOCK     151313103      111     4550 SH       OTHER                  4550        0        0
CENTERPOINT ENERGY INC         COMMON STOCK     15189T107       25     2174 SH       DEFINED                2174        0        0
CENTERPOINT ENERGY INC         COMMON STOCK     15189T107       28     2450 SH       OTHER                   650     1800        0
CERTEGY INC                    COMMON STOCK     156880106        4      100 SH       OTHER                   100        0        0
CHARTER COMMUNICATIONS INC     COMMON STOCK     16117M107        0      100 SH       DEFINED                 100        0        0
CHARTER ONE FINANCIAL INC.     COMMON STOCK     160903100       60     1350 SH       OTHER                  1350        0        0
CHATTEM INC COM                COMMON STOCK     162456107        1       50 SH       DEFINED                  50        0        0
CHEVRONTEXACO CORP             COMMON STOCK     166764100     3425    36397 SH       DEFINED               36197        0      200
CHEVRONTEXACO CORP             COMMON STOCK     166764100     3223    34252 SH       OTHER                 34252        0        0
CHOICEPOINT INC                COMMON STOCK     170388102       11      240 SH       DEFINED                 240        0        0
CHOICEPOINT INC                COMMON STOCK     170388102        2       40 SH       OTHER                    40        0        0
CHUBB CORP                     COMMON STOCK     171232101      392     5750 SH       DEFINED                5550        0      200
CHUBB CORP                     COMMON STOCK     171232101      104     1525 SH       OTHER                  1525        0        0
CIGNA CORP                     COMMON STOCK     125509109       41      600 SH       DEFINED                 600        0        0
CIGNA CORP                     COMMON STOCK     125509109      249     3615 SH       OTHER                  3615        0        0
CINERGY CORP                   COMMON STOCK     172474108        6      150 SH       DEFINED                 150        0        0
CINERGY CORP                   COMMON STOCK     172474108       29      750 SH       OTHER                   750        0        0
CIRCUIT CITY STORES INC        COMMON STOCK     172737108        5      400 SH       OTHER                   400        0        0
CISCO SYSTEMS INC              COMMON STOCK     17275R102     1821    76832 SH       DEFINED               74932        0     1900
CISCO SYSTEMS INC              COMMON STOCK     17275R102     1481    62484 SH       OTHER                 62234      250        0
CITIGROUP INC                  COMMON STOCK     172967101     2517    54129 SH       DEFINED               52363        0     1766
CITIGROUP INC                  COMMON STOCK     172967101     1677    36058 SH       OTHER                 35558        0      500
CKE RESTAURANTS INC            COMMON STOCK     12561E105       40     3000 SH       OTHER                  3000        0        0
CLAIRES STORES INC             COMMON STOCK     179584107      220    10150 SH       DEFINED               10150        0        0
CLECO CORP                     COMMON STOCK     12561W105        1       57 SH       DEFINED                  57        0        0
CLOROX CO                      COMMON STOCK     189054109       52      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     4998    99004 SH       DEFINED               97854        0     1150
COCA COLA CO                   COMMON STOCK     191216100     8920   176700 SH       OTHER                161000        0    15700
COCA COLA ENTERPRISES INC      COMMON STOCK     191219104       26      900 SH       OTHER                   600        0      300
COGNEX CORP                    COMMON STOCK     192422103        8      200 SH       OTHER                   200        0        0
COLGATE PALMOLIVE CO           COMMON STOCK     194162103     3096    52975 SH       DEFINED               40175        0    12800
COLGATE PALMOLIVE CO           COMMON STOCK     194162103     1538    26310 SH       OTHER                 24485        0     1825
COMCAST CORP-CL A              COMMON STOCK     20030N101      591    21015 SH       DEFINED               18765        0     2250
COMCAST CORP-CL A              COMMON STOCK     20030N101      495    17618 SH       OTHER                 17376        0      242
COMCAST CORP-SPECIAL CL A      COMMON STOCK     20030N200     4720   170951 SH       DEFINED              118001        0    52950
COMCAST CORP-SPECIAL CL A      COMMON STOCK     20030N200     1715    62119 SH       OTHER                 51097        0    11022
COMERICA INC                   COMMON STOCK     200340107       12      225 SH       DEFINED                 225        0        0
COMERICA INC                   COMMON STOCK     200340107      136     2475 SH       OTHER                  2475        0        0
COMPASS BANCSHARES INC         COMMON STOCK     20449H109       39      900 SH       OTHER                   900        0        0
COMPUTER ASSOC INTL INC        COMMON STOCK     204912109       19      676 SH       DEFINED                 676        0        0
COMPUTER ASSOC INTL INC        COMMON STOCK     204912109       23      815 SH       OTHER                   815        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      251     5410 SH       DEFINED                5410        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      119     2570 SH       OTHER                  2570        0        0
CONAGRA FOODS INC              COMMON STOCK     205887102      162     6000 SH       DEFINED                4000        0     2000
CONAGRA FOODS INC              COMMON STOCK     205887102      435    16050 SH       OTHER                 16050        0        0
CONOCOPHILLIPS                 COMMON STOCK     20825C104      259     3401 SH       DEFINED                3401        0        0
CONOCOPHILLIPS                 COMMON STOCK     20825C104      440     5765 SH       OTHER                  5765        0        0
CONSECO INC                    COMMON STOCK     208464883        0       19 SH       OTHER                    19        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       74     1850 SH       OTHER                  1850        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       11      300 SH       DEFINED                 300        0        0
CONSTELLATION ENERGY GROUP INC COMMON STOCK     210371100       38     1000 SH       OTHER                  1000        0        0
CONSUMER DISCRETIONARY/SELECT  COMMON STOCK     81369Y407      258     8150 SH       DEFINED                8150        0        0
CONSUMER DISCRETIONARY/SELECT  COMMON STOCK     81369Y407       67     2125 SH       OTHER                  2125        0        0
CONSUMER STAPLES SELECT SECTOR COMMON STOCK     81369Y308     1146    49635 SH       DEFINED               49635        0        0
CONSUMER STAPLES SELECT SECTOR COMMON STOCK     81369Y308      305    13208 SH       OTHER                 13208        0        0
CORN PRODS INTL INC            COMMON STOCK     219023108       19      400 SH       OTHER                   400        0        0
CORNING INC                    COMMON STOCK     219350105       80     6102 SH       DEFINED                6102        0        0
CORNING INC                    COMMON STOCK     219350105      285    21850 SH       OTHER                 21850        0        0
CORRECTIONS CORP AMER NEW      COMMON STOCK     22025Y407       76     1936 SH       DEFINED                1936        0        0
COSTCO WHOLESALE CORP NEW      COMMON STOCK     22160K105     6073   147480 SH       DEFINED              102580        0    44900
COSTCO WHOLESALE CORP NEW      COMMON STOCK     22160K105     1845    44798 SH       OTHER                 35098        0     9700
COX COMMUNICATIONS INC-CL A    COMMON STOCK     224044107      156     5600 SH       DEFINED                5400        0      200
COX COMMUNICATIONS INC-CL A    COMMON STOCK     224044107       38     1350 SH       OTHER                  1350        0        0
CRESCENT BANKING CO            COMMON STOCK     225646108       94     4000 SH       DEFINED                4000        0        0
CROWN HOLDINGS INC             COMMON STOCK     228368106       10     1000 SH       OTHER                  1000        0        0
CSX CORP                       COMMON STOCK     126408103      197     6010 SH       DEFINED                6010        0        0
CSX CORP                       COMMON STOCK     126408103      237     7232 SH       OTHER                  4144        0     3088
CTI MOLECULAR IMAGING INC      COMMON STOCK     22943D105        1      100 SH       OTHER                   100        0        0
CUMMINS INC                    COMMON STOCK     231021106       25      400 SH       OTHER                   400        0        0
CVS CORP                       COMMON STOCK     126650100       29      700 SH       DEFINED                 700        0        0
CVS CORP                       COMMON STOCK     126650100       71     1700 SH       OTHER                  1700        0        0
DANA CORP                      COMMON STOCK     235811106        7      350 SH       DEFINED                 350        0        0
DANAHER CORP                   COMMON STOCK     235851102       67     1300 SH       DEFINED                1300        0        0
DANAHER CORP                   COMMON STOCK     235851102      270     5200 SH       OTHER                  5200        0        0
DARDEN RESTAURANTS INC         COMMON STOCK     237194105       41     2001 SH       DEFINED                2001        0        0
DEERE & CO                     COMMON STOCK     244199105      410     5850 SH       DEFINED                5850        0        0
DEERE & CO                     COMMON STOCK     244199105      260     3700 SH       OTHER                  3700        0        0
DEL MONTE FOODS CO             COMMON STOCK     24522P103        8      756 SH       DEFINED                 756        0        0
DEL MONTE FOODS CO             COMMON STOCK     24522P103        2      166 SH       OTHER                   166        0        0
DELL INC                       COMMON STOCK     24702R101      642    17925 SH       DEFINED               17475        0      450
DELL INC                       COMMON STOCK     24702R101      302     8425 SH       OTHER                  8425        0        0
DELPHI CORPORATION             COMMON STOCK     247126105       11     1010 SH       DEFINED                1010        0        0
DELPHI CORPORATION             COMMON STOCK     247126105       40     3782 SH       OTHER                  3782        0        0
DELTA AIR LINES INC            COMMON STOCK     247361108        7     1000 SH       DEFINED                1000        0        0
DELTA AIR LINES INC            COMMON STOCK     247361108        1      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      117     2700 SH       OTHER                  2700        0        0
DIAMONDS TRUST SERIES I        COMMON STOCK     252787106     2143    20477 SH       DEFINED               20477        0        0
DIAMONDS TRUST SERIES I        COMMON STOCK     252787106     1470    14045 SH       OTHER                 14045        0        0
DIRECTV GROUP INC              COMMON STOCK     25459L106       29     1700 SH       DEFINED                1700        0        0
DIRECTV GROUP INC              COMMON STOCK     25459L106       10      580 SH       OTHER                   580        0        0
DISNEY WALT CO NEW             COMMON STOCK     254687106     1006    39485 SH       DEFINED               38985        0      500
DISNEY WALT CO NEW             COMMON STOCK     254687106      683    26804 SH       OTHER                 26804        0        0
DIXIE GROUP INC                COMMON STOCK     255519100       12     1000 SH       DEFINED                1000        0        0
DOLLAR GEN CORP                COMMON STOCK     256669102      195     9987 SH       DEFINED                9987        0        0
DOLLAR GEN CORP                COMMON STOCK     256669102       26     1343 SH       OTHER                  1100      243        0
DOMINION RESOURCES INC VA      COMMON STOCK     25746U109      157     2488 SH       DEFINED                2488        0        0
DOMINION RESOURCES INC VA      COMMON STOCK     25746U109      626     9929 SH       OTHER                  9929        0        0
DOVER CORP                     COMMON STOCK     260003108       45     1075 SH       DEFINED                1075        0        0
DOVER CORP                     COMMON STOCK     260003108      372     8840 SH       OTHER                  8840        0        0
DOW CHEMICAL COMPANY           COMMON STOCK     260543103     1365    33538 SH       DEFINED               33208        0      330
DOW CHEMICAL COMPANY           COMMON STOCK     260543103     1815    44587 SH       OTHER                 44587        0        0
DOW JONES & CO INC             COMMON STOCK     260561105      298     6600 SH       OTHER                  6600        0        0
DTE ENERGY CO                  COMMON STOCK     233331107       31      762 SH       DEFINED                 762        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     1571    35371 SH       DEFINED               35171        0      200
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109     1648    37097 SH       OTHER                 36197        0      900
DUKE ENERGY CORP               COMMON STOCK     264399106      504    24834 SH       DEFINED               24259        0      575
DUKE ENERGY CORP               COMMON STOCK     264399106      492    24225 SH       OTHER                 22225     2000        0
DUN & BRADSTREET CORP DEL NEW  COMMON STOCK     26483E100       16      300 SH       DEFINED                 300        0        0
DUN & BRADSTREET CORP DEL NEW  COMMON STOCK     26483E100       29      537 SH       OTHER                   537        0        0
EARTHLINK INC                  COMMON STOCK     270321102       64     6178 SH       DEFINED                6178        0        0
EASTMAN CHEMICAL CO            COMMON STOCK     277432100       12      256 SH       DEFINED                 256        0        0
EASTMAN CHEMICAL CO            COMMON STOCK     277432100       10      219 SH       OTHER                   219        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109       56     2075 SH       DEFINED                2075        0        0
EASTMAN KODAK CO               COMMON STOCK     277461109       45     1664 SH       OTHER                  1664        0        0
EATON CORP                     COMMON STOCK     278058102      738    11400 SH       DEFINED               11400        0        0
ECHOSTAR COMMUNICATIONS CORP   COMMON STOCK     278762109       14      450 SH       DEFINED                   0        0      450
EDISON INTERNATIONAL           COMMON STOCK     281020107       51     2000 SH       OTHER                  2000        0        0
EDWARDS LIFESCIENCES CORP      COMMON STOCK     28176E108       15      419 SH       DEFINED                 419        0        0
EDWARDS LIFESCIENCES CORP      COMMON STOCK     28176E108       47     1339 SH       OTHER                  1339        0        0
EL PASO CORPORATION            COMMON STOCK     28336L109       44     5647 SH       DEFINED                5647        0        0
EL PASO CORPORATION            COMMON STOCK     28336L109       21     2706 SH       OTHER                  2706        0        0
ELECTRONIC DATA SYS CORP NEW   COMMON STOCK     285661104      165     8604 SH       DEFINED                8604        0        0
ELECTRONIC DATA SYS CORP NEW   COMMON STOCK     285661104      376    19624 SH       OTHER                 19624        0        0
EMC CORP/MASS                  COMMON STOCK     268648102     1520   133303 SH       DEFINED              133303        0        0
EMC CORP/MASS                  COMMON STOCK     268648102      487    42725 SH       OTHER                 42725        0        0
EMERSON ELEC CO                COMMON STOCK     291011104      959    15091 SH       DEFINED               14591        0      500
EMERSON ELEC CO                COMMON STOCK     291011104      821    12917 SH       OTHER                 12417        0      500
EMPIRE DIST ELEC CO            COMMON STOCK     291641108        6      300 SH       OTHER                   300        0        0
ENBRIDGE ENERGY PARTNERS LP    COMMON STOCK     29250R106       25      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        9      198 SH       OTHER                   198        0        0
ENERGY SELECT SECTOR SPDR      COMMON STOCK     81369Y506      378    12021 SH       DEFINED               12021        0        0
ENERGY SELECT SECTOR SPDR      COMMON STOCK     81369Y506      148     4694 SH       OTHER                  4694        0        0
ENGELHARD CORP                 COMMON STOCK     292845104       22      675 SH       OTHER                   675        0        0
ENPRO INDUSTRIES INC           COMMON STOCK     29355X107        2      100 SH       DEFINED                 100        0        0
ENSCO INTERNATIONAL INC        COMMON STOCK     26874Q100       29     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       21     1000 SH       DEFINED                1000        0        0
EOG RES INC                    COMMON STOCK     26875P101       30      500 SH       DEFINED                 500        0        0
EQUIFAX INC                    COMMON STOCK     294429105      162     6555 SH       DEFINED                6555        0        0
EQUIFAX INC                    COMMON STOCK     294429105      121     4896 SH       OTHER                  4896        0        0
EQUITABLE RES INC              COMMON STOCK     294549100      388     7500 SH       OTHER                  7500        0        0
EQUITY RESIDENTIAL PPTYS TR    COMMON STOCK     29476L107        3      100 SH       DEFINED                 100        0        0
EQUITY RESIDENTIAL PPTYS TR    COMMON STOCK     29476L107       12      400 SH       OTHER                   400        0        0
EXELON CORP                    COMMON STOCK     30161N101       62     1876 SH       DEFINED                1876        0        0
EXELON CORP                    COMMON STOCK     30161N101        9      266 SH       OTHER                   266        0        0
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102    14071   316835 SH       DEFINED              283883        0    32952
EXXON MOBIL CORPORATION        COMMON STOCK     30231G102    20985   472523 SH       OTHER                457545     2800    12178
FAIRCHILD SEMICONDUCTOR INTL I COMMON STOCK     303726103       82     5000 SH       DEFINED                5000        0        0
FAMILY DLR STORES INC          COMMON STOCK     307000109       67     2200 SH       OTHER                  2200        0        0
FARMERS CAP BK CORP COM        COMMON STOCK     309562106      844    23600 SH       OTHER                 23600        0        0
FEDERAL HOME LOAN MORTGAGE COM COMMON STOCK     313400301     1675    26458 SH       DEFINED               22308        0     4150
FEDERAL HOME LOAN MORTGAGE COM COMMON STOCK     313400301      728    11502 SH       OTHER                  9702        0     1800
FEDERATED DEPT STORES INC      COMMON STOCK     31410H101     1069    21775 SH       DEFINED               21775        0        0
FEDERATED DEPT STORES INC      COMMON STOCK     31410H101      443     9020 SH       OTHER                  9020        0        0
FEDEX CORPORATION              COMMON STOCK     31428X106      355     4350 SH       DEFINED                4225        0      125
FEDEX CORPORATION              COMMON STOCK     31428X106      363     4447 SH       OTHER                  4447        0        0
FERRELLGAS PARTNERS L.P.       COMMON STOCK     315293100       21     1000 SH       OTHER                     0        0     1000
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107      777    20802 SH       DEFINED               10402        0    10400
FIDELITY NATIONAL FINANCIAL IN COMMON STOCK     316326107      369     9871 SH       OTHER                  6516        0     3355
FIFTH THIRD BANCORP            COMMON STOCK     316773100     1060    19706 SH       DEFINED               19706        0        0
FIFTH THIRD BANCORP            COMMON STOCK     316773100      280     5207 SH       OTHER                  5207        0        0
FINANCIAL SELECT SECTOR SPDR   COMMON STOCK     81369Y605      414    14480 SH       DEFINED               14480        0        0
FINANCIAL SELECT SECTOR SPDR   COMMON STOCK     81369Y605       83     2905 SH       OTHER                  2905        0        0
FIRST AMERICAN CORP            COMMON STOCK     318522307        8      300 SH       DEFINED                 300        0        0
FIRST DATA CORP                COMMON STOCK     319963104      582    13083 SH       DEFINED               11033        0     2050
FIRST DATA CORP                COMMON STOCK     319963104      209     4690 SH       OTHER                  4690        0        0
FIRST FINANCIAL HOLDINGS INC   COMMON STOCK     320239106       58     2000 SH       DEFINED                2000        0        0
FIRST HEALTH GROUP CORP        COMMON STOCK     320960107       11      675 SH       OTHER                   675        0        0
FIRST HORIZON NATIONAL CORP    COMMON STOCK     320517105    52671  1158364 SH       DEFINED             1151531        0     6833
FIRST HORIZON NATIONAL CORP    COMMON STOCK     320517105    33066   727207 SH       OTHER                727207        0        0
FIRSTENERGY CORP               COMMON STOCK     337932107        7      178 SH       OTHER                   178        0        0
FISHER SCIENTIFIC INTL INC     COMMON STOCK     338032204       20      350 SH       DEFINED                   0        0      350
FLUOR CORP NEW                 COMMON STOCK     343412102      195     4100 SH       DEFINED                3900        0      200
FLUOR CORP NEW                 COMMON STOCK     343412102       47      980 SH       OTHER                   980        0        0
FNMA                           COMMON STOCK     313586109     5850    81981 SH       DEFINED               72981        0     9000
FNMA                           COMMON STOCK     313586109     2137    29942 SH       OTHER                 27842        0     2100
FOOT LOCKER INC                COMMON STOCK     344849104       14      568 SH       OTHER                   568        0        0
FORD MOTOR CO DEL 'NEW'        COMMON STOCK     345370860      176    11267 SH       DEFINED               11267        0        0
FORD MOTOR CO DEL 'NEW'        COMMON STOCK     345370860      175    11192 SH       OTHER                 11192        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101      301     3988 SH       DEFINED                3988        0        0
FORTUNE BRANDS INC             COMMON STOCK     349631101      184     2442 SH       OTHER                  2442        0        0
FORTUNE 500 INDEX FUND         COMMON STOCK     86330E885       11      135 SH       DEFINED                 135        0        0
FORTUNE 500 INDEX FUND         COMMON STOCK     86330E885      295     3640 SH       OTHER                  3640        0        0
FPL GROUP INC                  COMMON STOCK     302571104      400     6249 SH       DEFINED                6099        0      150
FPL GROUP INC                  COMMON STOCK     302571104      392     6125 SH       OTHER                  6125        0        0
FRANKLIN RESOURCES INC         COMMON STOCK     354613101      746    14898 SH       DEFINED               14898        0        0
FRANKLIN RESOURCES INC         COMMON STOCK     354613101      357     7125 SH       OTHER                  7125        0        0
FREDS INC                      COMMON STOCK     356108100       11      500 SH       OTHER                   500        0        0
FREEPORT-MCMORAN COPPER-B      COMMON STOCK     35671D857       17      501 SH       DEFINED                 501        0        0
GALLAGHER ARTHUR J & CO        COMMON STOCK     363576109       15      500 SH       DEFINED                   0        0      500
GALLAGHER ARTHUR J & CO        COMMON STOCK     363576109       18      600 SH       OTHER                     0        0      600
GANNETT INC                    COMMON STOCK     364730101      530     6250 SH       DEFINED                6250        0        0
GANNETT INC                    COMMON STOCK     364730101      478     5629 SH       OTHER                  5629        0        0
GAP INC                        COMMON STOCK     364760108       89     3675 SH       DEFINED                3675        0        0
GARDNER DENVER INC             COMMON STOCK     365558105        8      300 SH       DEFINED                   0        0      300
GENCORP INC                    COMMON STOCK     368682100        7      552 SH       OTHER                   552        0        0
GENENTECH INC                  COMMON STOCK     368710406       67     1200 SH       DEFINED                1200        0        0
GENERAL DYNAMICS CORP          COMMON STOCK     369550108       99     1000 SH       DEFINED                 200        0      800
GENERAL DYNAMICS CORP          COMMON STOCK     369550108       89      900 SH       OTHER                   900        0        0
GENERAL ELECTRIC CORP          COMMON STOCK     369604103    16482   508713 SH       DEFINED              460613        0    48100
GENERAL ELECTRIC CORP          COMMON STOCK     369604103    21047   649592 SH       OTHER                632942      150    16500
GENERAL MLS INC                COMMON STOCK     370334104      191     4025 SH       DEFINED                3825        0      200
GENERAL MLS INC                COMMON STOCK     370334104     4279    90017 SH       OTHER                 90017        0        0
GENERAL MOTORS CORP            COMMON STOCK     370442105      655    14062 SH       DEFINED               14062        0        0
GENERAL MOTORS CORP            COMMON STOCK     370442105      476    10219 SH       OTHER                 10219        0        0
GENESEE & WYO INC CL A         COMMON STOCK     371559105       28     1200 SH       DEFINED                1200        0        0
GENUINE PARTS CO               COMMON STOCK     372460105      171     4300 SH       DEFINED                4300        0        0
GENUINE PARTS CO               COMMON STOCK     372460105       30      752 SH       OTHER                   752        0        0
GEORGIA PACIFIC CORP           COMMON STOCK     373298108       30      800 SH       DEFINED                 800        0        0
GEORGIA PACIFIC CORP           COMMON STOCK     373298108       49     1334 SH       OTHER                   534      800        0
GILLETTE CO                    COMMON STOCK     375766102      586    13825 SH       DEFINED               11100        0     2725
GILLETTE CO                    COMMON STOCK     375766102      614    14484 SH       OTHER                 14484        0        0
GOLDMAN SACHS GROUP INC        COMMON STOCK     38141G104       75      800 SH       DEFINED                   0        0      800
GOLDMAN SACHS GROUP INC        COMMON STOCK     38141G104       42      450 SH       OTHER                   450        0        0
GOODRICH CORP.                 COMMON STOCK     382388106        6      200 SH       DEFINED                 200        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101       19     2077 SH       DEFINED                2077        0        0
GOODYEAR TIRE & RUBBER CO      COMMON STOCK     382550101        2      200 SH       OTHER                   200        0        0
GOVERNMENT PROPERTIES TRUST    COMMON STOCK     38374W107        8      800 SH       DEFINED                 800        0        0
GRAINGER W W INC               COMMON STOCK     384802104      834    14506 SH       DEFINED               14506        0        0
GRAINGER W W INC               COMMON STOCK     384802104      409     7109 SH       OTHER                  7109        0        0
GRANT PRIDECO INC              COMMON STOCK     38821G101       13      700 SH       DEFINED                   0        0      700
GREENE COUNTY BANCSHARES INC   COMMON STOCK     394361208        1       45 SH       DEFINED                  45        0        0
GREENHILL & CO                 COMMON STOCK     395259104       10      500 SH       DEFINED                 500        0        0
GUIDANT CORP                   COMMON STOCK     401698105       14      250 SH       DEFINED                 250        0        0
GUIDANT CORP                   COMMON STOCK     401698105       25      450 SH       OTHER                   450        0        0
GULFTERRA ENERGY PARTNERS LP   COMMON STOCK     40274U108       29      750 SH       DEFINED                 750        0        0
HAIN CELESTIAL GROUP INC       COMMON STOCK     405217100       10      550 SH       OTHER                   550        0        0
HALLIBURTON CO                 COMMON STOCK     406216101       14      470 SH       DEFINED                 470        0        0
HALLIBURTON CO                 COMMON STOCK     406216101       73     2400 SH       OTHER                  2400        0        0
HANCOCK HLDG CO                COMMON STOCK     410120109      202     6968 SH       DEFINED                6968        0        0
HARLEY DAVIDSON INC            COMMON STOCK     412822108     1826    29488 SH       DEFINED               29338        0      150
HARLEY DAVIDSON INC            COMMON STOCK     412822108      998    16105 SH       OTHER                 14555        0     1550
HARRAHS ENTERTAINMENT INC      COMMON STOCK     413619107       27      500 SH       DEFINED                 500        0        0
HARTFORD FINL SVCS GROUP INC   COMMON STOCK     416515104      183     2662 SH       OTHER                  2662        0        0
HASBRO INC                     COMMON STOCK     418056107        8      425 SH       DEFINED                 425        0        0
HCA INC                        COMMON STOCK     404119109       13      318 SH       DEFINED                 318        0        0
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK     81369Y209      216     7075 SH       DEFINED                7075        0        0
HEALTH CARE SELECT SECTOR SPDR COMMON STOCK     81369Y209       70     2300 SH       OTHER                  2300        0        0
HEALTH MGMT ASSOC INC NEW CL A COMMON STOCK     421933102        9      400 SH       OTHER                   400        0        0
HEARTLAND EXPRESS INC          COMMON STOCK     422347104       27     1000 SH       DEFINED                1000        0        0
HEINZ H J CO                   COMMON STOCK     423074103      179     4575 SH       DEFINED                4575        0        0
HEINZ H J CO                   COMMON STOCK     423074103       52     1325 SH       OTHER                  1325        0        0
HELMERICH & PAYNE INC          COMMON STOCK     423452101        9      340 SH       OTHER                   340        0        0
HERSHEY FOODS CORP             COMMON STOCK     427866108      278     6000 SH       OTHER                  6000        0        0
HEWLETT PACKARD CO             COMMON STOCK     428236103     4523   214359 SH       DEFINED              163059        0    51300
HEWLETT PACKARD CO             COMMON STOCK     428236103     1674    79335 SH       OTHER                 68460        0    10875
HILB ROGAL & HOBBS COMPANY     COMMON STOCK     431294107       11      300 SH       OTHER                   300        0        0
HILLENBRAND INDUSTRIES INC     COMMON STOCK     431573104       66     1094 SH       DEFINED                1094        0        0
HOME DEPOT INC                 COMMON STOCK     437076102     5997   170359 SH       DEFINED              130372        0    39987
HOME DEPOT INC                 COMMON STOCK     437076102     2914    82781 SH       OTHER                 74181      300     8300
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106      133     3628 SH       DEFINED                3628        0        0
HONEYWELL INTERNATIONAL INC    COMMON STOCK     438516106      161     4398 SH       OTHER                  4398        0        0
HORMEL FOODS CORP              COMMON STOCK     440452100        6      200 SH       OTHER                   200        0        0
HOSPIRA INC                    COMMON STOCK     441060100      124     4491 SH       DEFINED                4491        0        0
HOSPIRA INC                    COMMON STOCK     441060100      139     5023 SH       OTHER                  5023        0        0
HUMAN GENOME SCIENCES INC      COMMON STOCK     444903108       35     3000 SH       DEFINED                3000        0        0
HUMANA INC                     COMMON STOCK     444859102       15      900 SH       DEFINED                 900        0        0
IDACORP INC                    COMMON STOCK     451107106        5      200 SH       OTHER                   200        0        0
IHOP CORP                      COMMON STOCK     449623107       11      300 SH       DEFINED                 300        0        0
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109      363     3789 SH       DEFINED                3789        0        0
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109      220     2292 SH       OTHER                  2292        0        0
IMAGISTICS INTL INC            COMMON STOCK     45247T104        4      120 SH       OTHER                     0        0      120
IMATION CORP                   COMMON STOCK     45245A107       76     1780 SH       OTHER                  1780        0        0
IMS HEALTH INC                 COMMON STOCK     449934108       13      550 SH       OTHER                   550        0        0
INDUSTRIAL SELECT SECTOR SPDR  COMMON STOCK     81369Y704      112     3900 SH       DEFINED                3900        0        0
INDUSTRIAL SELECT SECTOR SPDR  COMMON STOCK     81369Y704       95     3300 SH       OTHER                  3300        0        0
INFINITY PPTY & CAS CORP       COMMON STOCK     45665Q103       20      600 SH       DEFINED                   0        0      600
INTEL CORP                     COMMON STOCK     458140100     9651   349663 SH       DEFINED              308313        0    41350
INTEL CORP                     COMMON STOCK     458140100     6103   221120 SH       OTHER                213120      600     7400
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     4019    45595 SH       DEFINED               43631        0     1964
INTERNATIONAL BUSINESS MACHINE COMMON STOCK     459200101     5366    60876 SH       OTHER                 59356        0     1520
INTERNATIONAL GAME TECHNOLOGY  COMMON STOCK     459902102        8      200 SH       DEFINED                 200        0        0
INTERNATIONAL GAME TECHNOLOGY  COMMON STOCK     459902102        8      200 SH       OTHER                   200        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103      277     6202 SH       DEFINED                6202        0        0
INTERNATIONAL PAPER CO         COMMON STOCK     460146103      800    17889 SH       OTHER                 17889        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100       71     5150 SH       DEFINED                5150        0        0
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100       16     1165 SH       OTHER                  1165        0        0
IPIX CORP                      COMMON STOCK     44982L103        0       27 SH       DEFINED                  27        0        0
ISHARES COHEN & STEERS RLTY    COMMON STOCK     464287564      384     3495 SH       DEFINED                3495        0        0
ISHARES COHEN & STEERS RLTY    COMMON STOCK     464287564      386     3510 SH       OTHER                  3510        0        0
ISHARES DJ JONES U.S. TECHNOLO COMMON STOCK     464287721      294     6100 SH       DEFINED                6100        0        0
ISHARES DJ SELECT DIVIDEND IND COMMON STOCK     464287168       51      915 SH       OTHER                   915        0        0
ISHARES DJ US TELCOM SECTOR IN COMMON STOCK     464287713      437    20470 SH       DEFINED               20470        0        0
ISHARES DJ US TELCOM SECTOR IN COMMON STOCK     464287713      114     5358 SH       OTHER                  5358        0        0
ISHARES DJ US UTILITIES SECTOR COMMON STOCK     464287697        7      120 SH       OTHER                   120        0        0
ISHARES LEHMAN 1-3YR TRS BD    COMMON STOCK     464287457       65      790 SH       OTHER                   790        0        0
ISHARES MSCI EAFE INDEX FUND   COMMON STOCK     464287465      229     1600 SH       DEFINED                1600        0        0
ISHARES MSCI EAFE INDEX FUND   COMMON STOCK     464287465       56      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      248     2100 SH       DEFINED                2100        0        0
ISHARES S&P 500/BARRA VALUE    COMMON STOCK     464287408      126     2200 SH       DEFINED                2200        0        0
ISHARES TRUST GS CORP BOND FUN COMMON STOCK     464287242       43      400 SH       DEFINED                 400        0        0
ISHARES TRUST GS CORP BOND FUN COMMON STOCK     464287242       59      550 SH       OTHER                   550        0        0
ISIS PHARMACEUTICALS           COMMON STOCK     464330109       11     2000 SH       OTHER                  2000        0        0
ITT INDUSTRIES INC             COMMON STOCK     450911102      129     1556 SH       OTHER                  1556        0        0
JABIL CIRCUIT INC              COMMON STOCK     466313103        5      210 SH       OTHER                   210        0        0
JACOBS ENGR GROUP INC          COMMON STOCK     469814107       47     1200 SH       DEFINED                1200        0        0
JANUS CAPITAL GROUP INC        COMMON STOCK     47102X105       89     5400 SH       DEFINED                5400        0        0
JARDEN CORP                    COMMON STOCK     471109108       27      750 SH       DEFINED                 750        0        0
JDS UNIPHASE CORP              COMMON STOCK     46612J101        0        4 SH       DEFINED                   4        0        0
JDS UNIPHASE CORP              COMMON STOCK     46612J101        8     2150 SH       OTHER                  2150        0        0
JEFFERSON BANCSHARES INC       COMMON STOCK     472375104       55     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       10      207 SH       DEFINED                 207        0        0
JM SMUCKER CO/THE-NEW          COMMON STOCK     832696405       17      368 SH       OTHER                   368        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     5117    91875 SH       DEFINED               91425        0      450
JOHNSON & JOHNSON              COMMON STOCK     478160104     5485    98471 SH       OTHER                 98471        0        0
JOHNSON CTLS INC               COMMON STOCK     478366107       97     1817 SH       DEFINED                1817        0        0
JOHNSON CTLS INC               COMMON STOCK     478366107        5      100 SH       OTHER                   100        0        0
JOURNAL REGISTER CO            COMMON STOCK     481138105       14      700 SH       DEFINED                   0        0      700
JP MORGAN CHASE & CO           COMMON STOCK     46625H100     6710   173074 SH       DEFINED              133649        0    39425
JP MORGAN CHASE & CO           COMMON STOCK     46625H100     3623    93452 SH       OTHER                 84252        0     9200
KANSAS CITY SOUTHERN           COMMON STOCK     485170302       12      750 SH       DEFINED                 750        0        0
KAYDON CORP                    COMMON STOCK     486587108        9      300 SH       DEFINED                   0        0      300
KAYDON CORP                    COMMON STOCK     486587108       31     1000 SH       OTHER                     0        0     1000
KCS ENERGY INC                 COMMON STOCK     482434206        3      200 SH       OTHER                   200        0        0
KELLOGG CO                     COMMON STOCK     487836108       59     1400 SH       DEFINED                1400        0        0
KELLOGG CO                     COMMON STOCK     487836108      353     8437 SH       OTHER                  8437        0        0
KERR MCGEE CORP                COMMON STOCK     492386107       54     1000 SH       DEFINED                   0        0     1000
KERR MCGEE CORP                COMMON STOCK     492386107        8      153 SH       OTHER                   153        0        0
KEYCORP NEW                    COMMON STOCK     493267108       88     2944 SH       DEFINED                2944        0        0
KEYCORP NEW                    COMMON STOCK     493267108      225     7537 SH       OTHER                  7537        0        0
KEYSPAN CORP                   COMMON STOCK     49337W100        2       55 SH       OTHER                    55        0        0
KIMBERLY CLARK CORP            COMMON STOCK     494368103     1452    22043 SH       DEFINED               21943        0      100
KIMBERLY CLARK CORP            COMMON STOCK     494368103     1079    16378 SH       OTHER                 16378        0        0
KINDER MORGAN ENERGY PARTNERS  COMMON STOCK     494550106      575    14122 SH       DEFINED               14122        0        0
KINDER MORGAN ENERGY PARTNERS  COMMON STOCK     494550106      104     2550 SH       OTHER                  2550        0        0
KING PHARMACEUTICALS INC       COMMON STOCK     495582108       42     3665 SH       OTHER                  3665        0        0
KOHLS CORP                     COMMON STOCK     500255104      619    14636 SH       DEFINED               14636        0        0
KOHLS CORP                     COMMON STOCK     500255104      361     8535 SH       OTHER                  8535        0        0
KRISPY KREME DOUGHNUTS INC     COMMON STOCK     501014104        2      100 SH       DEFINED                 100        0        0
KROGER CO                      COMMON STOCK     501044101        9      500 SH       DEFINED                 500        0        0
KROGER CO                      COMMON STOCK     501044101      240    13200 SH       OTHER                 13200        0        0
KYPHON INC                     COMMON STOCK     501577100       11      400 SH       DEFINED                 400        0        0
LA-Z-BOY INC                   COMMON STOCK     505336107      207    11507 SH       DEFINED               11507        0        0
LA-Z-BOY INC                   COMMON STOCK     505336107       65     3641 SH       OTHER                  3641        0        0
LABORATORY CORP AMERICA HOLDIN COMMON STOCK     50540R409       12      300 SH       DEFINED                 300        0        0
LABORATORY CORP AMERICA HOLDIN COMMON STOCK     50540R409       22      550 SH       OTHER                   550        0        0
LANCE INC                      COMMON STOCK     514606102       18     1164 SH       DEFINED                1164        0        0
LEHMAN BROS HLDGS INC          COMMON STOCK     524908100       15      200 SH       DEFINED                 200        0        0
LIBERTY MEDIA CORP-A           COMMON STOCK     530718105        8      900 SH       DEFINED                 900        0        0
LIBERTY MEDIA INTL INC SER A   COMMON STOCK     530719103        2       45 SH       DEFINED                  45        0        0
LIFEPOINT HOSPS INC            COMMON STOCK     53219L109        1       16 SH       DEFINED                  16        0        0
LILLY ELI & CO                 COMMON STOCK     532457108      652     9320 SH       DEFINED                9195        0      125
LILLY ELI & CO                 COMMON STOCK     532457108      435     6225 SH       OTHER                  6225        0        0
LIMITED BRANDS INC             COMMON STOCK     532716107       22     1200 SH       DEFINED                1200        0        0
LINCARE HLDGS INC              COMMON STOCK     532791100        3      100 SH       OTHER                   100        0        0
LINCOLN NATL CORP              COMMON STOCK     534187109      118     2500 SH       OTHER                  2500        0        0
LINEAR TECHNOLOGY CORP         COMMON STOCK     535678106       13      320 SH       DEFINED                 320        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      685    13159 SH       DEFINED               12259        0      900
LOCKHEED MARTIN CORP           COMMON STOCK     539830109      469     9000 SH       OTHER                  9000        0        0
LOWES COS INC                  COMMON STOCK     548661107      171     3250 SH       DEFINED                3250        0        0
LOWES COS INC                  COMMON STOCK     548661107      152     2900 SH       OTHER                  2900        0        0
LSI LOGIC CORP                 COMMON STOCK     502161102        3      400 SH       DEFINED                 400        0        0
LSI LOGIC CORP                 COMMON STOCK     502161102        8     1000 SH       OTHER                  1000        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107       41    10771 SH       DEFINED               10771        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107       31     8258 SH       OTHER                  8258        0        0
M D C HLDGS INC                COMMON STOCK     552676108       24      372 SH       DEFINED                 372        0        0
MAGELLAN PETE CORP             COMMON STOCK     559091301        0        4 SH       OTHER                     4        0        0
MANHATTAN ASSOCS INC COM       COMMON STOCK     562750109       31     1000 SH       DEFINED                1000        0        0
MANITOWOC INC                  COMMON STOCK     563571108       23      675 SH       DEFINED                 675        0        0
MARATHON OIL CORP              COMMON STOCK     565849106       34      900 SH       DEFINED                 900        0        0
MARKEL CORPORATION             COMMON STOCK     570535104       83      300 SH       DEFINED                 300        0        0
MARRIOTT INTL INC A            COMMON STOCK     571903202       35      700 SH       DEFINED                   0        0      700
MARRIOTT INTL INC A            COMMON STOCK     571903202       10      200 SH       OTHER                   200        0        0
MARSH & MCLENNAN COS INC       COMMON STOCK     571748102       25      550 SH       DEFINED                 550        0        0
MARSH & MCLENNAN COS INC       COMMON STOCK     571748102      111     2446 SH       OTHER                  2446        0        0
MARTEK BIOSCIENCES CORP        COMMON STOCK     572901106       25      450 SH       DEFINED                 450        0        0
MASCO CORP                     COMMON STOCK     574599106      421    13500 SH       DEFINED               13500        0        0
MASCO CORP                     COMMON STOCK     574599106     1281    41100 SH       OTHER                 41100        0        0
MASSEY ENERGY COMPANY          COMMON STOCK     576206106       20      700 SH       DEFINED                 700        0        0
MATERIALS SELECT SPDR FUND     COMMON STOCK     81369Y100      472    17631 SH       DEFINED               17631        0        0
MATERIALS SELECT SPDR FUND     COMMON STOCK     81369Y100      172     6431 SH       OTHER                  6431        0        0
MATTEL INC                     COMMON STOCK     577081102        5      297 SH       OTHER                   297        0        0
MAY DEPT STORES CO             COMMON STOCK     577778103       16      600 SH       DEFINED                   0        0      600
MAY DEPT STORES CO             COMMON STOCK     577778103      197     7150 SH       OTHER                  7150        0        0
MAYTAG CORP                    COMMON STOCK     578592107      603    24603 SH       DEFINED               24603        0        0
MAYTAG CORP                    COMMON STOCK     578592107     2043    83361 SH       OTHER                 74361        0     9000
MBIA INC                       COMMON STOCK     55262C100      262     4585 SH       DEFINED                4585        0        0
MBIA INC                       COMMON STOCK     55262C100       77     1349 SH       OTHER                  1349        0        0
MBNA CORP                      COMMON STOCK     55262L100      258    10021 SH       DEFINED                9709        0      312
MBNA CORP                      COMMON STOCK     55262L100      158     6136 SH       OTHER                  6136        0        0
MCCORMICK & CO INC             COMMON STOCK     579780206      384    11300 SH       DEFINED               11300        0        0
MCCORMICK & CO INC             COMMON STOCK     579780206      194     5700 SH       OTHER                  5700        0        0
MCDATA CORP CL A               COMMON STOCK     580031201        1      220 SH       DEFINED                 220        0        0
MCDATA CORP CL A               COMMON STOCK     580031201        1      124 SH       OTHER                   124        0        0
MCDONALDS CORP                 COMMON STOCK     580135101      866    33322 SH       DEFINED               31272        0     2050
MCDONALDS CORP                 COMMON STOCK     580135101      551    21196 SH       OTHER                 10400        0    10796
MCG CAP CORP                   COMMON STOCK     58047P107       15     1000 SH       DEFINED                1000        0        0
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109     2577    33657 SH       DEFINED               27057        0     6600
MCGRAW HILL COMPANIES INC      COMMON STOCK     580645109     1051    13725 SH       OTHER                 11525        0     2200
MCKESSON CORP                  COMMON STOCK     58155Q103      221     6425 SH       DEFINED                6125        0      300
MCKESSON CORP                  COMMON STOCK     58155Q103       62     1800 SH       OTHER                  1800        0        0
MEADWESTVACO CORP              COMMON STOCK     583334107       38     1309 SH       DEFINED                1309        0        0
MEADWESTVACO CORP              COMMON STOCK     583334107       64     2182 SH       OTHER                  2182        0        0
MEDCO HEALTH SOLUTIONS INC     COMMON STOCK     58405U102      120     3212 SH       DEFINED                3200        0       12
MEDCO HEALTH SOLUTIONS INC     COMMON STOCK     58405U102      519    13842 SH       OTHER                 13818       24        0
MEDICIS PHARMACEUTICAL CL-A    COMMON STOCK     584690309       48     1200 SH       OTHER                  1200        0        0
MEDTRONIC INC                  COMMON STOCK     585055106     4724    96960 SH       DEFINED               71760        0    25200
MEDTRONIC INC                  COMMON STOCK     585055106     2440    50072 SH       OTHER                 41472        0     8600
MELLON FINANCIAL CORP          COMMON STOCK     58551A108      784    26743 SH       DEFINED               26743        0        0
MELLON FINANCIAL CORP          COMMON STOCK     58551A108      182     6200 SH       OTHER                  6200        0        0
MERCANTILE BANKSHARES CORP     COMMON STOCK     587405101       84     1800 SH       DEFINED                1800        0        0
MERCANTILE BANKSHARES CORP     COMMON STOCK     587405101       71     1518 SH       OTHER                  1518        0        0
MERCK & CO INC                 COMMON STOCK     589331107     3451    72659 SH       DEFINED               72259        0      400
MERCK & CO INC                 COMMON STOCK     589331107     8093   170380 SH       OTHER                170180      200        0
MERRILL LYNCH & CO INC         COMMON STOCK     590188108       16      300 SH       DEFINED                 300        0        0
METLIFE INC                    COMMON STOCK     59156R108        1       32 SH       DEFINED                  32        0        0
METRIS COS INC                 COMMON STOCK     591598107       30     3500 SH       DEFINED                   0        0     3500
METRIS COS INC                 COMMON STOCK     591598107       22     2500 SH       OTHER                     0        0     2500
MGIC INVT CORP WIS             COMMON STOCK     552848103      239     3150 SH       DEFINED                3050        0      100
MGIC INVT CORP WIS             COMMON STOCK     552848103       95     1250 SH       OTHER                  1250        0        0
MICRON TECHNOLOGY INC          COMMON STOCK     595112103       61     4000 SH       DEFINED                4000        0        0
MICROSOFT CORP                 COMMON STOCK     594918104     9549   334345 SH       DEFINED              269445        0    64900
MICROSOFT CORP                 COMMON STOCK     594918104     4696   164412 SH       OTHER                152412     1000    11000
MIDAS INC                      COMMON STOCK     595626102        3      200 SH       OTHER                   200        0        0
MIDCAP SPDR TR SERIES 1        COMMON STOCK     595635103      617     5550 SH       DEFINED                5550        0        0
MIDCAP SPDR TR SERIES 1        COMMON STOCK     595635103      419     3768 SH       OTHER                  3768        0        0
MILACRON INC                   COMMON STOCK     598709103       12     2900 SH       DEFINED                2900        0        0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK     599902103       97     7000 SH       DEFINED                7000        0        0
MILLENNIUM PHARMACEUTICALS INC COMMON STOCK     599902103        4      300 SH       OTHER                   300        0        0
MILLER HERMAN INC              COMMON STOCK     600544100       29     1000 SH       OTHER                  1000        0        0
MONSANTO CO NEW                COMMON STOCK     61166W101       85     2195 SH       DEFINED                2195        0        0
MONSANTO CO NEW                COMMON STOCK     61166W101       57     1492 SH       OTHER                  1492        0        0
MOODYS CORP                    COMMON STOCK     615369105      162     2500 SH       DEFINED                2500        0        0
MOODYS CORP                    COMMON STOCK     615369105       65     1000 SH       OTHER                  1000        0        0
MORGAN STANLEY                 COMMON STOCK     617446448      904    17135 SH       DEFINED               16835        0      300
MORGAN STANLEY                 COMMON STOCK     617446448      474     8989 SH       OTHER                  8989        0        0
MOTOROLA INC                   COMMON STOCK     620076109     1596    87477 SH       DEFINED               86952        0      525
MOTOROLA INC                   COMMON STOCK     620076109      872    47785 SH       OTHER                 47785        0        0
MUNICIPAL MORTGAGE & EQUITY LL COMMON STOCK     62624B101        9      381 SH       DEFINED                 381        0        0
MUNICIPAL MORTGAGE & EQUITY LL COMMON STOCK     62624B101       58     2500 SH       OTHER                  1000        0     1500
MYLAN LABS INC                 COMMON STOCK     628530107      297    14656 SH       DEFINED               14356        0      300
MYLAN LABS INC                 COMMON STOCK     628530107       51     2523 SH       OTHER                  2523        0        0
NASDAQ 100 SHARES UNIT SER 1   COMMON STOCK     631100104      321     8500 SH       DEFINED                8500        0        0
NASDAQ 100 SHARES UNIT SER 1   COMMON STOCK     631100104      367     9735 SH       OTHER                  8885      850        0
NATIONAL CITY CORP             COMMON STOCK     635405103      317     9043 SH       DEFINED                9043        0        0
NATIONAL COMM FINL CORP        COMMON STOCK     63545P104     2124    65355 SH       DEFINED               65355        0        0
NATIONAL COMM FINL CORP        COMMON STOCK     63545P104     2291    70482 SH       OTHER                 70482        0        0
NATIONWIDE FINANCIAL SERVICES  COMMON STOCK     638612101       93     2483 SH       DEFINED                2483        0        0
NATIONWIDE FINANCIAL SERVICES  COMMON STOCK     638612101       48     1287 SH       OTHER                     0     1287        0
NAVISTAR INTERNATIONAL CORP    COMMON STOCK     63934E108        1       20 SH       DEFINED                  20        0        0
NCR CORP                       COMMON STOCK     62886E108        5      109 SH       DEFINED                 109        0        0
NCR CORP                       COMMON STOCK     62886E108        5      104 SH       OTHER                   104        0        0
NEOMAGIC CORP                  COMMON STOCK     640497103        3     1000 SH       OTHER                  1000        0        0
NEUROCRINE BIOSCIENCES INC     COMMON STOCK     64125C109       47      900 SH       OTHER                     0        0      900
NEW JERSEY RES CORP            COMMON STOCK     646025106       59     1425 SH       DEFINED                1425        0        0
NEW JERSEY RES CORP            COMMON STOCK     646025106       42     1000 SH       OTHER                  1000        0        0
NEW YORK CMNTY BANCORP INC     COMMON STOCK     649445103       27     1400 SH       OTHER                   400        0     1000
NEWCASTLE INVESTMENT CORP      COMMON STOCK     65105M108       30     1000 SH       DEFINED                   0        0     1000
NEWELL RUBBERMAID INC          COMMON STOCK     651229106       16      675 SH       DEFINED                 675        0        0
NEWELL RUBBERMAID INC          COMMON STOCK     651229106       19      788 SH       OTHER                   788        0        0
NEWFIELD EXPLORATION CO        COMMON STOCK     651290108      262     4705 SH       DEFINED                4705        0        0
NEWMONT MNG CORP               COMMON STOCK     651639106      185     4762 SH       OTHER                  4762        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
NIKE INC-CLASS B               COMMON STOCK     654106103       49      650 SH       OTHER                   650        0        0
NISOURCE INC                   COMMON STOCK     65473P105       23     1100 SH       DEFINED                1100        0        0
NISOURCE INC                   COMMON STOCK     65473P105       38     1852 SH       OTHER                  1852        0        0
NN INC                         COMMON STOCK     629337106       25     2000 SH       OTHER                  2000        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108      240     9040 SH       DEFINED                9040        0        0
NORFOLK SOUTHERN CORP          COMMON STOCK     655844108     1040    39212 SH       OTHER                 37412     1800        0
NORTH EUROPEAN OIL RTY TRUST   COMMON STOCK     659310106       71     2850 SH       DEFINED                2850        0        0
NORTH FORK BANCORPORATION INC  COMMON STOCK     659424105      246     6475 SH       DEFINED                4075        0     2400
NORTH FORK BANCORPORATION INC  COMMON STOCK     659424105       76     2000 SH       OTHER                  2000        0        0
NORTHERN TR CORP               COMMON STOCK     665859104       76     1800 SH       DEFINED                1800        0        0
NORTHROP GRUMMAN CORP          COMMON STOCK     666807102       97     1802 SH       OTHER                  1802        0        0
NORTHWEST AIRLINES CORP CL A   COMMON STOCK     667280101       17     1500 SH       OTHER                  1500        0        0
NU SKIN ENTERPRISES INC        COMMON STOCK     67018T105        5      200 SH       OTHER                   200        0        0
NUCOR CORP                     COMMON STOCK     670346105       12      150 SH       DEFINED                 150        0        0
NVR INC COM                    COMMON STOCK     62944T105        1        3 SH       OTHER                     3        0        0
OCCIDENTAL PETE CORP           COMMON STOCK     674599105       41      850 SH       DEFINED                 850        0        0
OCEANEERING INTL INC           COMMON STOCK     675232102        9      250 SH       DEFINED                   0        0      250
OCWEN FINL CORP COM            COMMON STOCK     675746101       24     2000 SH       DEFINED                   0        0     2000
OFFICE DEPOT INC               COMMON STOCK     676220106       20     1100 SH       DEFINED                1100        0        0
OLD NATL BANCORP IND           COMMON STOCK     680033107      316    12724 SH       OTHER                 12724        0        0
OMNICELL INC                   COMMON STOCK     68213N109        7      500 SH       OTHER                   500        0        0
OMNICOM GROUP                  COMMON STOCK     681919106     3107    40939 SH       DEFINED               28139        0    12800
OMNICOM GROUP                  COMMON STOCK     681919106      682     8983 SH       OTHER                  6483        0     2500
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      244    20423 SH       DEFINED               19648        0      775
ORACLE CORPORATION             COMMON STOCK     68389X105      285    23918 SH       OTHER                 23918        0        0
P F CHANGS CHINA BISTRO INC CO COMMON STOCK     69333Y108       10      250 SH       DEFINED                 250        0        0
PACIFICARE HEALTH SYSTEMS INC  COMMON STOCK     695112102       31      800 SH       OTHER                   800        0        0
PACTIV CORP                    COMMON STOCK     695257105       32     1300 SH       DEFINED                1300        0        0
PACTIV CORP                    COMMON STOCK     695257105       85     3400 SH       OTHER                  3400        0        0
PALL CORP                      COMMON STOCK     696429307      131     5000 SH       DEFINED                5000        0        0
PALL CORP                      COMMON STOCK     696429307       89     3400 SH       OTHER                  3400        0        0
PARKER HANNIFIN CORP           COMMON STOCK     701094104      100     1675 SH       DEFINED                1000        0      675
PARKER HANNIFIN CORP           COMMON STOCK     701094104      236     3962 SH       OTHER                  3962        0        0
PATTERSON-UTI ENERGY INC       COMMON STOCK     703481101       17      500 SH       OTHER                   500        0        0
PAYCHEX INC                    COMMON STOCK     704326107       24      700 SH       OTHER                   700        0        0
PENN VIRGINIA RESOURCE PARTN   COMMON STOCK     707884102       29      800 SH       DEFINED                 800        0        0
PENN VIRGINIA RESOURCE PARTN   COMMON STOCK     707884102       13      350 SH       OTHER                   350        0        0
PENNEY J C CO                  COMMON STOCK     708160106      693    18358 SH       DEFINED               17758        0      600
PENNEY J C CO                  COMMON STOCK     708160106      197     5208 SH       OTHER                  5208        0        0
PEOPLESOFT INC                 COMMON STOCK     712713106       25     1350 SH       OTHER                  1350        0        0
PEPCO HOLDINGS INC             COMMON STOCK     713291102       23     1275 SH       DEFINED                1275        0        0
PEPCO HOLDINGS INC             COMMON STOCK     713291102       75     4088 SH       OTHER                  4088        0        0
PEPSIAMERICAS INC              COMMON STOCK     71343P200       57     2700 SH       OTHER                  2700        0        0
PEPSICO INC                    COMMON STOCK     713448108     7557   140251 SH       DEFINED              112926        0    27325
PEPSICO INC                    COMMON STOCK     713448108     3800    70523 SH       OTHER                 64023        0     6500
PERFORMANCE FOOD GROUP CO      COMMON STOCK     713755106      106     4000 SH       DEFINED                   0        0     4000
PFIZER INC                     COMMON STOCK     717081103     9128   266265 SH       DEFINED              214365        0    51900
PFIZER INC                     COMMON STOCK     717081103    10399   303357 SH       OTHER                285977     2000    15380
PG & E CORP                    COMMON STOCK     69331C108       21      751 SH       DEFINED                 751        0        0
PHELPS DODGE CORP              COMMON STOCK     717265102       33      421 SH       DEFINED                 421        0        0
PHOENIX COMPANIES INC          COMMON STOCK     71902E109        7      572 SH       DEFINED                 572        0        0
PIEDMONT NATURAL GAS INC       COMMON STOCK     720186105       34      800 SH       DEFINED                 800        0        0
PIEDMONT NATURAL GAS INC       COMMON STOCK     720186105      128     3000 SH       OTHER                  3000        0        0
PIER 1 IMPORTS INC             COMMON STOCK     720279108      181    10225 SH       DEFINED               10225        0        0
PINNACLE WEST CAP CORP         COMMON STOCK     723484101       40     1000 SH       OTHER                  1000        0        0
PIONEER NATURAL RESOURCES CO   COMMON STOCK     723787107       28      800 SH       DEFINED                   0        0      800
PITNEY BOWES INC               COMMON STOCK     724479100        9      200 SH       DEFINED                 200        0        0
PITNEY BOWES INC               COMMON STOCK     724479100      459    10378 SH       OTHER                  9000        0     1378
PLAINS ALL AMERICAN PIPELINE L COMMON STOCK     726503105       33     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      608    18663 SH       DEFINED               18663        0        0
PLUM CREEK TIMBER CO INC       COMMON STOCK     729251108       81     2497 SH       OTHER                   949      548     1000
PMC-SIERRA INC                 COMMON STOCK     69344F106        1       67 SH       DEFINED                  67        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      191     3600 SH       DEFINED                3600        0        0
PNC FINANCIAL SERVICES GROUP   COMMON STOCK     693475105      217     4083 SH       OTHER                  4083        0        0
PPG INDS INC                   COMMON STOCK     693506107      144     2300 SH       DEFINED                2300        0        0
PPG INDS INC                   COMMON STOCK     693506107      369     5900 SH       OTHER                  5900        0        0
PRAXAIR INC                    COMMON STOCK     74005P104      157     3936 SH       DEFINED                3936        0        0
PRAXAIR INC                    COMMON STOCK     74005P104      123     3093 SH       OTHER                  3093        0        0
PRICE T ROWE GROUP INC         COMMON STOCK     74144T108       10      200 SH       OTHER                   200        0        0
PRIME HOSPITALITY CORP         COMMON STOCK     741917108        6      588 SH       OTHER                   588        0        0
PRINCIPAL FINANCIAL GROUP      COMMON STOCK     74251V102       24      700 SH       DEFINED                 700        0        0
PRINCIPAL FINANCIAL GROUP      COMMON STOCK     74251V102       24      684 SH       OTHER                   684        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     4625    84954 SH       DEFINED               83754        0     1200
PROCTER & GAMBLE CO            COMMON STOCK     742718109     5206    95624 SH       OTHER                 95624        0        0
PROGRESS ENERGY INC            COMMON STOCK     743263105      196     4457 SH       DEFINED                4457        0        0
PROGRESS ENERGY INC            COMMON STOCK     743263105      466    10588 SH       OTHER                 10588        0        0
PROTECTIVE LIFE CORP           COMMON STOCK     743674103       19      495 SH       OTHER                   495        0        0
PROTEIN DESIGN LABS INC        COMMON STOCK     74369L103       19     1000 SH       DEFINED                1000        0        0
PROVIDIAN FINANCIAL CORP       COMMON STOCK     74406A102        9      600 SH       DEFINED                 600        0        0
PROVIDIAN FINANCIAL CORP       COMMON STOCK     74406A102       73     5000 SH       OTHER                  5000        0        0
PRUDENTIAL FINL INC            COMMON STOCK     744320102       17      371 SH       DEFINED                 371        0        0
PRUDENTIAL FINL INC            COMMON STOCK     744320102       77     1649 SH       OTHER                  1649        0        0
PUBLIC SVC ENTERPRISE GROUP IN COMMON STOCK     744573106      284     7105 SH       DEFINED                7105        0        0
PULITZER INC                   COMMON STOCK     745769109       15      300 SH       DEFINED                   0        0      300
QMED INC                       COMMON STOCK     747914109        8     1000 SH       OTHER                  1000        0        0
QUALCOMM INC                   COMMON STOCK     747525103      286     3924 SH       DEFINED                3924        0        0
QUALCOMM INC                   COMMON STOCK     747525103      161     2200 SH       OTHER                  2200        0        0
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109       25     7036 SH       DEFINED                7036        0        0
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109       10     2746 SH       OTHER                  2746        0        0
R H DONNELLEY CORP             COMMON STOCK     74955W307        1       15 SH       OTHER                    15        0        0
RADIOSHACK CORP                COMMON STOCK     750438103       92     3200 SH       DEFINED                3200        0        0
RADIOSHACK CORP                COMMON STOCK     750438103      229     8000 SH       OTHER                  8000        0        0
RAIT INVT TR                   COMMON STOCK     749227104        5      200 SH       OTHER                   200        0        0
RAYTHEON COMPANY               COMMON STOCK     755111507      800    22355 SH       DEFINED               22355        0        0
RAYTHEON COMPANY               COMMON STOCK     755111507      946    26438 SH       OTHER                 24038        0     2400
REDWOOD TR INC                 COMMON STOCK     758075402       22      400 SH       DEFINED                 400        0        0
REDWOOD TR INC                 COMMON STOCK     758075402       17      300 SH       OTHER                   300        0        0
REGIONS FINANCIAL CORP         COMMON STOCK     758940100      369    10100 SH       DEFINED                9675        0      425
REGIONS FINANCIAL CORP         COMMON STOCK     758940100     5296   144906 SH       OTHER                144906        0        0
RELIANT ENERGY, INC.           COMMON STOCK     75952B105       19     1712 SH       DEFINED                1712        0        0
RELIANT ENERGY, INC.           COMMON STOCK     75952B105       22     2009 SH       OTHER                   590     1419        0
RENT A CTR INC NEW             COMMON STOCK     76009N100       12      400 SH       DEFINED                   0        0      400
RENT A CTR INC NEW             COMMON STOCK     76009N100       12      400 SH       OTHER                     0        0      400
REYNOLDS R J TOBACCO HLDGS     COMMON STOCK     76182K105       20      297 SH       DEFINED                 297        0        0
REYNOLDS R J TOBACCO HLDGS     COMMON STOCK     76182K105       27      398 SH       OTHER                   332       66        0
ROHM & HAAS CO                 COMMON STOCK     775371107       40      957 SH       DEFINED                 957        0        0
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
ROYAL GOLD INC                 COMMON STOCK     780287108       14     1000 SH       OTHER                  1000        0        0
RUBY TUESDAY INC               COMMON STOCK     781182100      336    12232 SH       OTHER                 12232        0        0
RUSSELL CORP                   COMMON STOCK     782352108       54     3000 SH       DEFINED                3000        0        0
RYDER SYSTEM INC               COMMON STOCK     783549108      216     5400 SH       DEFINED                5400        0        0
SAFECO CORP                    COMMON STOCK     786429100     1073    24390 SH       OTHER                 24390        0        0
SAFEWAY INC                    COMMON STOCK     786514208        8      325 SH       DEFINED                 325        0        0
SAKS INC                       COMMON STOCK     79377W108        3      200 SH       DEFINED                 200        0        0
SAKS INC                       COMMON STOCK     79377W108       16     1099 SH       OTHER                  1099        0        0
SANMINA-SCI CORP               COMMON STOCK     800907107        2      204 SH       OTHER                   204        0        0
SARA LEE CORP                  COMMON STOCK     803111103      699    30388 SH       DEFINED               30088        0      300
SARA LEE CORP                  COMMON STOCK     803111103      451    19612 SH       OTHER                 19612        0        0
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     1128    46512 SH       DEFINED               45460        0     1052
SBC COMMUNICATIONS INC         COMMON STOCK     78387G103     1400    57726 SH       OTHER                 57434      292        0
SCANA CORP                     COMMON STOCK     80589M102      107     2944 SH       DEFINED                2944        0        0
SCANA CORP                     COMMON STOCK     80589M102       34      928 SH       OTHER                   928        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101     1033    55900 SH       DEFINED               47625        0     8275
SCHERING PLOUGH CORP           COMMON STOCK     806605101     1168    63195 SH       OTHER                 60633        0     2562
SCOTTS CO CL A                 COMMON STOCK     810186106      102     1600 SH       DEFINED                1600        0        0
SCOTTS CO CL A                 COMMON STOCK     810186106       26      400 SH       OTHER                   400        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      340     9004 SH       DEFINED                9004        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108      351     9306 SH       OTHER                  9306        0        0
SEMCO ENERGY INC               COMMON STOCK     78412D109        3      432 SH       DEFINED                 432        0        0
SEMPRA ENERGY                  COMMON STOCK     816851109        8      228 SH       DEFINED                 228        0        0
SERVICE CORP INTERNATIONAL     COMMON STOCK     817565104       37     5000 SH       OTHER                  5000        0        0
SERVICEMASTER CO               COMMON STOCK     81760N109        2      165 SH       DEFINED                 165        0        0
SFBC INTERNATIONAL INC         COMMON STOCK     784121105        9      300 SH       OTHER                   300        0        0
SHAW COMMUNICATIONS INC        COMMON STOCK     82028K200       12      700 SH       DEFINED                   0        0      700
SIGMA ALDRICH CORP             COMMON STOCK     826552101      119     2000 SH       DEFINED                2000        0        0
SIGMA ALDRICH CORP             COMMON STOCK     826552101       36      600 SH       OTHER                   600        0        0
SIRUS SATELLITE RADIO INC      COMMON STOCK     82966U103       11     3675 SH       DEFINED                3675        0        0
SIX FLAGS INC                  COMMON STOCK     83001P109        7     1000 SH       DEFINED                1000        0        0
SNAP ON INC                    COMMON STOCK     833034101       40     1200 SH       DEFINED                1200        0        0
SOLECTRON CORP                 COMMON STOCK     834182107        5      800 SH       DEFINED                 800        0        0
SONOCO PRODS CO                COMMON STOCK     835495102       13      500 SH       DEFINED                 500        0        0
SOUTHERN COMMUNITY FIN CORP    COMMON STOCK     84263N105       12     1000 SH       OTHER                  1000        0        0
SOUTHERN COMPANY               COMMON STOCK     842587107      203     6948 SH       DEFINED                6548        0      400
SOUTHERN COMPANY               COMMON STOCK     842587107      542    18581 SH       OTHER                 18581        0        0
SOUTHERN UN CO NEW             COMMON STOCK     844030106       40     1905 SH       OTHER                  1905        0        0
SOUTHTRUST CORP                COMMON STOCK     844730101       78     2000 SH       DEFINED                   0        0     2000
SOUTHTRUST CORP                COMMON STOCK     844730101       58     1500 SH       OTHER                  1500        0        0
SOUTHWEST AIRLINES CO          COMMON STOCK     844741108        3      150 SH       DEFINED                 150        0        0
SOUTHWEST AIRLINES CO          COMMON STOCK     844741108        5      300 SH       OTHER                   300        0        0
SPORTS AUTHORITY INC           COMMON STOCK     84917U109       27      750 SH       DEFINED                 750        0        0
SPRINT CORP                    COMMON STOCK     852061100       35     2000 SH       DEFINED                2000        0        0
SPRINT CORP                    COMMON STOCK     852061100      447    25400 SH       OTHER                 24200        0     1200
STANDARD & POORS DEP RECEIPT   COMMON STOCK     78462F103     3036    26511 SH       DEFINED               26511        0        0
STANDARD & POORS DEP RECEIPT   COMMON STOCK     78462F103     2384    20816 SH       OTHER                 20406      410        0
STAPLES INC                    COMMON STOCK     855030102       29     1000 SH       DEFINED                1000        0        0
STAPLES INC                    COMMON STOCK     855030102        3      100 SH       OTHER                   100        0        0
STARTEK INC                    COMMON STOCK     85569C107       18      500 SH       OTHER                   500        0        0
STARWOOD HOTELS & RESORTS      COMMON STOCK     85590A203       41      917 SH       OTHER                   917        0        0
STATE AUTO FINL CORP           COMMON STOCK     855707105       23      750 SH       DEFINED                 750        0        0
STATE STREET CORP              COMMON STOCK     857477103       37      750 SH       DEFINED                 750        0        0
STATE STREET CORP              COMMON STOCK     857477103      132     2700 SH       OTHER                  2700        0        0
STEWART ENTERPRISES INC CL A   COMMON STOCK     860370105        4      500 SH       DEFINED                 500        0        0
STORAGE TECHNOLOGY             COMMON STOCK     862111200       29     1000 SH       OTHER                  1000        0        0
STRYKER CORP                   COMMON STOCK     863667101       44      800 SH       DEFINED                 800        0        0
STRYKER CORP                   COMMON STOCK     863667101       61     1100 SH       OTHER                  1100        0        0
SUBURBAN PROPANE PARTNERS LP   COMMON STOCK     864482104       23      700 SH       DEFINED                 700        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104       47    10915 SH       DEFINED               10915        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104       37     8516 SH       OTHER                  7516     1000        0
SUNGARD DATA SYS INC           COMMON STOCK     867363103       48     1850 SH       OTHER                  1850        0        0
SUNOCO INC                     COMMON STOCK     86764P109       26      416 SH       OTHER                   416        0        0
SUNTRUST BANKS INC             COMMON STOCK     867914103     1506    23169 SH       DEFINED               22969        0      200
SUNTRUST BANKS INC             COMMON STOCK     867914103     2217    34106 SH       OTHER                 34106        0        0
SUPERVALU INC                  COMMON STOCK     868536103      245     8000 SH       OTHER                  8000        0        0
SYSCO CORP                     COMMON STOCK     871829107     1387    38655 SH       DEFINED               36955        0     1700
SYSCO CORP                     COMMON STOCK     871829107      468    13050 SH       OTHER                  9050        0     4000
TARGET CORP                    COMMON STOCK     87612E106      447    10525 SH       DEFINED               10175        0      350
TARGET CORP                    COMMON STOCK     87612E106      281     6625 SH       OTHER                  6625        0        0
TC PIPELINES LP                COMMON STOCK     87233Q108       32     1000 SH       DEFINED                1000        0        0
TECO ENERGY INC                COMMON STOCK     872375100       44     3700 SH       DEFINED                3700        0        0
TECO ENERGY INC                COMMON STOCK     872375100       45     3767 SH       OTHER                  3767        0        0
TELLABS INC                    COMMON STOCK     879664100      192    22025 SH       DEFINED               21150        0      875
TELLABS INC                    COMMON STOCK     879664100       52     5900 SH       OTHER                  5900        0        0
TENET HEALTHCARE CORP          COMMON STOCK     88033G100        7      550 SH       DEFINED                 550        0        0
TENET HEALTHCARE CORP          COMMON STOCK     88033G100       10      750 SH       OTHER                   750        0        0
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105       11      800 SH       DEFINED                 800        0        0
TENNECO AUTOMOTIVE INC         COMMON STOCK     880349105        5      360 SH       OTHER                   360        0        0
TEPPCO PARTNERS LP             COMMON STOCK     872384102       70     1850 SH       DEFINED                1850        0        0
TEPPCO PARTNERS LP             COMMON STOCK     872384102       29      750 SH       OTHER                   750        0        0
TEXAS GENCO HOLDINGS INC       COMMON STOCK     882443104        5      107 SH       DEFINED                 107        0        0
TEXAS GENCO HOLDINGS INC       COMMON STOCK     882443104        7      158 SH       OTHER                    68       90        0
TEXAS INSTRUMENTS INC          COMMON STOCK     882508104     3561   147286 SH       DEFINED              121161        0    26125
TEXAS INSTRUMENTS INC          COMMON STOCK     882508104     2183    90276 SH       OTHER                 82976        0     7300
THE CHARLES SCHWAB CORP        COMMON STOCK     808513105       15     1575 SH       DEFINED                1575        0        0
THE CHARLES SCHWAB CORP        COMMON STOCK     808513105        1      150 SH       OTHER                   150        0        0
THE ST PAUL TRAVELERS COMPANIE COMMON STOCK     792860108       32      777 SH       DEFINED                 777        0        0
THE ST PAUL TRAVELERS COMPANIE COMMON STOCK     792860108       25      617 SH       OTHER                   589        0       28
THORNBURG MTG ASSET CORP       COMMON STOCK     885218107       65     2400 SH       DEFINED                2400        0        0
THORNBURG MTG ASSET CORP       COMMON STOCK     885218107       32     1200 SH       OTHER                  1200        0        0
TIME WARNER INC NEW            COMMON STOCK     887317105       49     2811 SH       DEFINED                2811        0        0
TIME WARNER INC NEW            COMMON STOCK     887317105       71     4056 SH       OTHER                  4056        0        0
TORCHMARK CORP                 COMMON STOCK     891027104      118     2200 SH       OTHER                  2200        0        0
TOYS R US INC                  COMMON STOCK     892335100       18     1100 SH       DEFINED                1100        0        0
TOYS R US INC                  COMMON STOCK     892335100       24     1500 SH       OTHER                  1500        0        0
TRACTOR SUPPLY CO              COMMON STOCK     892356106      335     8000 SH       DEFINED                8000        0        0
TRIAD HOSPS INC                COMMON STOCK     89579K109        1       16 SH       DEFINED                  16        0        0
TRIBUNE CO                     COMMON STOCK     896047107        7      158 SH       DEFINED                 158        0        0
TRINITY INDUSTRIES INC         COMMON STOCK     896522109      200     6300 SH       DEFINED                6300        0        0
TRUSTCO BK CORP NY             COMMON STOCK     898349105       21     1625 SH       DEFINED                1625        0        0
TRUSTMARK CORP                 COMMON STOCK     898402102       12      400 SH       DEFINED                 400        0        0
TUPPERWARE CORPORATION         COMMON STOCK     899896104        5      240 SH       DEFINED                 240        0        0
TUPPERWARE CORPORATION         COMMON STOCK     899896104       23     1200 SH       OTHER                     0        0     1200
TXU CORP                       COMMON STOCK     873168108       63     1554 SH       DEFINED                1554        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106      320     9665 SH       DEFINED                9665        0        0
TYCO INTERNATIONAL LTD         COMMON STOCK     902124106       63     1887 SH       OTHER                  1887        0        0
TYSON FOODS INC CLASS A        COMMON STOCK     902494103        3      166 SH       DEFINED                 166        0        0
UNION PAC CORP                 COMMON STOCK     907818108      227     3820 SH       DEFINED                3820        0        0
UNION PAC CORP                 COMMON STOCK     907818108      526     8848 SH       OTHER                  8248      600        0
UNION PLANTERS CORP            COMMON STOCK     908068109      306    10264 SH       DEFINED                8632        0     1632
UNION PLANTERS CORP            COMMON STOCK     908068109     1244    41747 SH       OTHER                 41747        0        0
UNISYS CORP                    COMMON STOCK     909214108       20     1476 SH       OTHER                  1476        0        0
UNITED PARCEL SERVICE-CLASS B  COMMON STOCK     911312106       64      850 SH       DEFINED                 850        0        0
UNITED STATES STEEL CORP       COMMON STOCK     912909108       18      500 SH       DEFINED                 500        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109     1353    14789 SH       DEFINED               14789        0        0
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109      588     6425 SH       OTHER                  6425        0        0
UNITED TENNESSEE BANKSHARES IN COMMON STOCK     91307P103       46     2500 SH       DEFINED                2500        0        0
UNITEDHEALTH GROUP INC         COMMON STOCK     91324P102       82     1318 SH       DEFINED                1318        0        0
UNITEDHEALTH GROUP INC         COMMON STOCK     91324P102      504     8090 SH       OTHER                  8090        0        0
UNIVERSAL CORP VA              COMMON STOCK     913456109       82     1600 SH       OTHER                  1600        0        0
UNIVERSAL HEALTH SVCS INC      COMMON STOCK     913903100        9      200 SH       DEFINED                   0        0      200
UNIZAN FINANCIAL CORP          COMMON STOCK     91528W101       35     1325 SH       DEFINED                1325        0        0
UNOCAL CORP                    COMMON STOCK     915289102      383    10079 SH       DEFINED               10079        0        0
UNOCAL CORP                    COMMON STOCK     915289102      259     6804 SH       OTHER                  6804        0        0
UNUMPROVIDENT CORP             COMMON STOCK     91529Y106      350    22037 SH       DEFINED               22037        0        0
UNUMPROVIDENT CORP             COMMON STOCK     91529Y106       32     2000 SH       OTHER                  2000        0        0
US BANCORP NEW                 COMMON STOCK     902973304       19      700 SH       DEFINED                 700        0        0
US BANCORP NEW                 COMMON STOCK     902973304        7      270 SH       OTHER                   270        0        0
UST INC                        COMMON STOCK     902911106      188     5220 SH       DEFINED                5220        0        0
UTILITIES SELECT SECTOR SPDR   COMMON STOCK     81369Y886      825    34714 SH       DEFINED               34714        0        0
UTILITIES SELECT SECTOR SPDR   COMMON STOCK     81369Y886      312    13130 SH       OTHER                 13130        0        0
UTSTARCOM INC                  COMMON STOCK     918076100        3      100 SH       OTHER                   100        0        0
VALERO LP                      COMMON STOCK     91913W104       51     1050 SH       DEFINED                1050        0        0
VECTREN CORP                   COMMON STOCK     92240G101       35     1391 SH       DEFINED                1391        0        0
VERISIGN INC                   COMMON STOCK     92343E102        8      400 SH       OTHER                   400        0        0
VERITAS SOFTWARE CO            COMMON STOCK     923436109       15      535 SH       DEFINED                 535        0        0
VERIZON COMMUNICATIONS         COMMON STOCK     92343V104     3093    85464 SH       DEFINED               83839        0     1625
VERIZON COMMUNICATIONS         COMMON STOCK     92343V104     2991    82656 SH       OTHER                 81680        0      976
VERTEX PHARMACEUTICALS INC     COMMON STOCK     92532F100       54     5000 SH       DEFINED                5000        0        0
VIACOM INC CL A                COMMON STOCK     925524100       20      550 SH       DEFINED                 550        0        0
VIACOM INC CL A                COMMON STOCK     925524100        5      143 SH       OTHER                   143        0        0
VIACOM INC CL B                COMMON STOCK     925524308      247     6920 SH       DEFINED                6020        0      900
VIACOM INC CL B                COMMON STOCK     925524308      203     5689 SH       OTHER                  5689        0        0
VIAD CORP                      COMMON STOCK     92552R109       14      508 SH       DEFINED                 508        0        0
VIRGINIA FINANCIAL             COMMON STOCK     927810101       67     1954 SH       OTHER                  1954        0        0
VISTEON CORP                   COMMON STOCK     92839U107        0       39 SH       DEFINED                  39        0        0
VISTEON CORP                   COMMON STOCK     92839U107        3      261 SH       OTHER                   261        0        0
VITAL IMAGES INC               COMMON STOCK     92846N104        2      200 SH       OTHER                   200        0        0
VULCAN MATLS CO                COMMON STOCK     929160109      576    12118 SH       DEFINED               12118        0        0
VULCAN MATLS CO                COMMON STOCK     929160109     6969   146570 SH       OTHER                144170        0     2400
WACHOVIA CORP                  COMMON STOCK     929903102     1242    27912 SH       DEFINED               27562        0      350
WACHOVIA CORP                  COMMON STOCK     929903102     1063    23887 SH       OTHER                 23887        0        0
WADDELL & REED FINL INC        COMMON STOCK     930059100       24     1083 SH       OTHER                  1083        0        0
WAL MART STORES INC            COMMON STOCK     931142103     3256    61710 SH       DEFINED               50885        0    10825
WAL MART STORES INC            COMMON STOCK     931142103     2637    49984 SH       OTHER                 49684      300        0
WALGREEN CO                    COMMON STOCK     931422109      791    21835 SH       DEFINED               21835        0        0
WALGREEN CO                    COMMON STOCK     931422109     7744   213870 SH       OTHER                213870        0        0
WASHINGTON FEDERAL INC         COMMON STOCK     938824109      176     7320 SH       DEFINED                7320        0        0
WASHINGTON FEDERAL INC         COMMON STOCK     938824109       20      847 SH       OTHER                   847        0        0
WASHINGTON MUTUAL INC          COMMON STOCK     939322103       15      400 SH       DEFINED                 400        0        0
WASHINGTON MUTUAL INC          COMMON STOCK     939322103       73     1900 SH       OTHER                  1900        0        0
WASTE MANAGEMENT INTERNATIONAL COMMON STOCK     94106L109      939    30638 SH       DEFINED               30058        0      580
WASTE MANAGEMENT INTERNATIONAL COMMON STOCK     94106L109      465    15155 SH       OTHER                 11205        0     3950
WATSON PHARMACEUTICALS INC     COMMON STOCK     942683103      118     4400 SH       DEFINED                4200        0      200
WATSON PHARMACEUTICALS INC     COMMON STOCK     942683103       40     1475 SH       OTHER                  1475        0        0
WAUSAU-MOSINEE PAPER CORP      COMMON STOCK     943315101      219    12637 SH       DEFINED               12637        0        0
WAUSAU-MOSINEE PAPER CORP      COMMON STOCK     943315101       37     2125 SH       OTHER                  2125        0        0
WEIGHT WATCHERS INTL INC       COMMON STOCK     948626106        2       60 SH       DEFINED                  60        0        0
WEIS MARKETS INC               COMMON STOCK     948849104       21      600 SH       DEFINED                 600        0        0
WELLPOINT HEALTH NETWORKS INC  COMMON STOCK     94973H108      249     2225 SH       DEFINED                2125        0      100
WELLPOINT HEALTH NETWORKS INC  COMMON STOCK     94973H108       53      475 SH       OTHER                   475        0        0
WELLS FARGO & CO               COMMON STOCK     949746101     9054   158203 SH       DEFINED              133153        0    25050
WELLS FARGO & CO               COMMON STOCK     949746101     5391    94192 SH       OTHER                 88545        0     5647
WENDYS INTERNATIONAL INC       COMMON STOCK     950590109       21      600 SH       OTHER                   600        0        0
WESTAR ENERGY INC              COMMON STOCK     95709T100       13      669 SH       DEFINED                 669        0        0
WESTAR ENERGY INC              COMMON STOCK     95709T100       12      600 SH       OTHER                   600        0        0
WEYERHAEUSER CO                COMMON STOCK     962166104      524     8303 SH       DEFINED                8078        0      225
WEYERHAEUSER CO                COMMON STOCK     962166104      453     7170 SH       OTHER                  7170        0        0
WGL HLDGS INC                  COMMON STOCK     92924F106       29     1000 SH       DEFINED                1000        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106       89     1300 SH       DEFINED                1300        0        0
WHIRLPOOL CORP                 COMMON STOCK     963320106       26      375 SH       OTHER                   375        0        0
WILLIAMS COAL SEAM GAS RTY TR  COMMON STOCK     969450105        4      250 SH       OTHER                   250        0        0
WILLIAMS COS INC               COMMON STOCK     969457100        8      700 SH       OTHER                   700        0        0
WINMARK CORP                   COMMON STOCK     974250102        4      150 SH       OTHER                   150        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106      164     5030 SH       DEFINED                5030        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106       21      650 SH       OTHER                   650        0        0
WORTHINGTON INDS INC           COMMON STOCK     981811102      205    10000 SH       DEFINED               10000        0        0
WORTHINGTON INDS INC           COMMON STOCK     981811102      209    10200 SH       OTHER                 10200        0        0
WRIGHT MEDICAL GROUP INC       COMMON STOCK     98235T107       36     1000 SH       DEFINED                1000        0        0
WRIGLEY WM JR CO               COMMON STOCK     982526105      113     1800 SH       DEFINED                1200        0      600
WRIGLEY WM JR CO               COMMON STOCK     982526105      347     5500 SH       OTHER                  5500        0        0
WYETH                          COMMON STOCK     983024100     1492    41264 SH       DEFINED               41264        0        0
WYETH                          COMMON STOCK     983024100      470    13000 SH       OTHER                 13000        0        0
XEROX CORP                     COMMON STOCK     984121103       12      850 SH       DEFINED                 850        0        0
XEROX CORP                     COMMON STOCK     984121103        9      592 SH       OTHER                   592        0        0
YORK INTL CORP NEW             COMMON STOCK     986670107       62     1500 SH       DEFINED                1500        0        0
YOUNG BROADCST                 COMMON STOCK     987434107       20     1500 SH       DEFINED                   0        0     1500
YUM! BRANDS INC                COMMON STOCK     988498101       31      824 SH       DEFINED                 824        0        0
YUM! BRANDS INC                COMMON STOCK     988498101       82     2200 SH       OTHER                  2200        0        0
ZIMMER HLDGS INC               COMMON STOCK     98956P102     1050    11907 SH       DEFINED                9827        0     2080
ZIMMER HLDGS INC               COMMON STOCK     98956P102     1190    13496 SH       OTHER                 13336        0      160
3COM CORP                      COMMON STOCK     885535104        6     1000 SH       OTHER                  1000        0        0
3M CO                          COMMON STOCK     88579Y101     1372    15244 SH       DEFINED               15244        0        0
3M CO                          COMMON STOCK     88579Y101     6971    77451 SH       OTHER                 77451        0        0
AEGON NV                       COMMON STOCK     007924103       29     2381 SH       DEFINED                2381        0        0
AEGON NV                       COMMON STOCK     007924103      207    17109 SH       OTHER                 17109        0        0
AGNICO EAGLE MINES LTD         COMMON STOCK     008474108       13     1000 SH       OTHER                  1000        0        0
AMERICA MOVIL SERIES L ADR     COMMON STOCK     02364W105       11      300 SH       DEFINED                 300        0        0
AMERICA MOVIL SERIES L ADR     COMMON STOCK     02364W105       36     1000 SH       OTHER                  1000        0        0
AUTOLIV INC                    COMMON STOCK     052800109        3       68 SH       DEFINED                  68        0        0
AUTOLIV INC                    COMMON STOCK     052800109        1       34 SH       OTHER                    34        0        0
BARCLAYS PLC ADR               COMMON STOCK     06738E204        7      200 SH       OTHER                   200        0        0
BARRICK GOLD CORP              COMMON STOCK     067901108        1       35 SH       DEFINED                  35        0        0
BCE INC ADR                    COMMON STOCK     05534B109        6      322 SH       DEFINED                 322        0        0
BP AMOCO PLCADR                COMMON STOCK     055622104     3249    60643 SH       DEFINED               60165        0      478
BP AMOCO PLCADR                COMMON STOCK     055622104     4889    91270 SH       OTHER                 91270        0        0
CADBURY SCHWEPPES PLC-ADR      COMMON STOCK     127209302        9      250 SH       OTHER                   250        0        0
CAMBIOR INC                    COMMON STOCK     13201L103        5     2000 SH       DEFINED                2000        0        0
CHICAGO BRIDGE & IRON CO       COMMON STOCK     167250109       26      950 SH       DEFINED                 950        0        0
CHICAGO BRIDGE & IRON CO       COMMON STOCK     167250109       14      500 SH       OTHER                   500        0        0
CHINA PETE & CHEM CORP ADR     COMMON STOCK     16941R108        7      200 SH       OTHER                   200        0        0
COOPER INDUSTRIES LTD-CL A     COMMON STOCK     G24182100      327     5500 SH       DEFINED                5500        0        0
COOPER INDUSTRIES LTD-CL A     COMMON STOCK     G24182100       59     1000 SH       OTHER                  1000        0        0
CP SHIPS LTD                   COMMON STOCK     22409V102        9      500 SH       OTHER                   500        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123       78     1665 SH       DEFINED                1665        0        0
DAIMLERCHRYSLER AG ORD         COMMON STOCK     D1668R123       23      498 SH       OTHER                   498        0        0
DELHAIZE GROUP ADR             COMMON STOCK     29759W101        2       40 SH       OTHER                    40        0        0
DEUTSCHE TELEKOM AG SPONS ADR  COMMON STOCK     251566105       32     1800 SH       DEFINED                1800        0        0
DEUTSCHE TELEKOM AG SPONS ADR  COMMON STOCK     251566105       10      554 SH       OTHER                   554        0        0
DORAL FINL CORP COM            COMMON STOCK     25811P100       23      675 SH       OTHER                   675        0        0
DURBAN ROODEPOORT DEEP LTD     COMMON STOCK     266597301       13     5000 SH       OTHER                  5000        0        0
ELAN PLC SPONSORED ADR         COMMON STOCK     284131208       22      900 SH       DEFINED                 900        0        0
ELAN PLC SPONSORED ADR         COMMON STOCK     284131208        7      300 SH       OTHER                   300        0        0
ENCANA CORP                    COMMON STOCK     292505104       35      800 SH       OTHER                   800        0        0
ERICSSON (LM) TEL SPONS ADR    COMMON STOCK     294821608       15      500 SH       DEFINED                 500        0        0
ERICSSON (LM) TEL SPONS ADR    COMMON STOCK     294821608      427    14280 SH       OTHER                 14280        0        0
EVEREST RE GROUP LIMITED       COMMON STOCK     G3223R108       16      200 SH       DEFINED                   0        0      200
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102     3547   222365 SH       DEFINED              152165        0    70200
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102     1167    73155 SH       OTHER                 58405        0    14750
FORDING CANADIAN COAL TRUST    COMMON STOCK     345425102        8      200 SH       OTHER                   200        0        0
FUJI PHOTO FILM LTD ADR        COMMON STOCK     359586302        5      173 SH       DEFINED                 173        0        0
GALLAHER GROUP PLC SPONSORED A COMMON STOCK     363595109       67     1388 SH       DEFINED                1388        0        0
GALLAHER GROUP PLC SPONSORED A COMMON STOCK     363595109       77     1592 SH       OTHER                  1592        0        0
GLAXO SMITHKLINE SPONSORED ADR COMMON STOCK     37733W105      149     3594 SH       DEFINED                3594        0        0
GLAXO SMITHKLINE SPONSORED ADR COMMON STOCK     37733W105     1253    30223 SH       OTHER                 30223        0        0
GLOBALSANTEFE CORP             COMMON STOCK     G3930E101      162     6120 SH       DEFINED                5787        0      333
GLOBALSANTEFE CORP             COMMON STOCK     G3930E101       52     1964 SH       OTHER                  1964        0        0
GOLD FIELDS LTD NEW            COMMON STOCK     38059T106       16     1500 SH       OTHER                  1500        0        0
GOLDCORP INC                   COMMON STOCK     380956409       12     1000 SH       DEFINED                1000        0        0
HONDA MOTOR LTD ADR            COMMON STOCK     438128308       15      600 SH       DEFINED                 600        0        0
HSBC HOLDINGS PLC SPONS ADR    COMMON STOCK     404280406      121     1611 SH       DEFINED                1611        0        0
HSBC HOLDINGS PLC SPONS ADR    COMMON STOCK     404280406       21      280 SH       OTHER                   280        0        0
INCO LTD                       COMMON STOCK     453258402       10      300 SH       DEFINED                 300        0        0
INCO LTD                       COMMON STOCK     453258402       21      600 SH       OTHER                   600        0        0
INGERSOLL-RAND CO CL A         COMMON STOCK     G4776G101     1334    19535 SH       DEFINED               19535        0        0
INGERSOLL-RAND CO CL A         COMMON STOCK     G4776G101     1066    15606 SH       OTHER                 15606        0        0
ISHARES MSCI JAPANINDEX FD     COMMON STOCK     464286848        5      500 SH       OTHER                   500        0        0
KINROSS GOLD CORP              COMMON STOCK     496902206        3      500 SH       DEFINED                 500        0        0
KONINKLIJKE PHILIPS ELECTRS NV COMMON STOCK     500472303      204     7506 SH       DEFINED                7506        0        0
KONINKLIJKE PHILIPS ELECTRS NV COMMON STOCK     500472303        5      194 SH       OTHER                   194        0        0
LANOPTICS LTD                  COMMON STOCK     M6706C103       12     2000 SH       DEFINED                2000        0        0
MANULIFE FINANCIAL CORP        COMMON STOCK     56501R106      217     5360 SH       DEFINED                5360        0        0
MANULIFE FINANCIAL CORP        COMMON STOCK     56501R106       72     1767 SH       OTHER                  1767        0        0
METTLER-TOLEDO INTERNATIONAL I COMMON STOCK     592688105       10      200 SH       DEFINED                   0        0      200
NABORS INDUSTRIES LTD          COMMON STOCK     G6359F103        9      200 SH       OTHER                   200        0        0
NATIONAL WESTMINSTER BK PLC AD COMMON STOCK     638539700       26     1000 SH       DEFINED                1000        0        0
NEWS CORP PREF ADR             COMMON STOCK     652487802        6      189 SH       DEFINED                 189        0        0
NEWS CORP PREF ADR             COMMON STOCK     652487802        2       49 SH       OTHER                    49        0        0
NOBLE CORPORATION              COMMON STOCK     G65422100      185     4875 SH       DEFINED                4575        0      300
NOBLE CORPORATION              COMMON STOCK     G65422100       50     1325 SH       OTHER                  1325        0        0
NOKIA CORP SPNSD ADR           COMMON STOCK     654902204      682    46934 SH       DEFINED               46934        0        0
NOKIA CORP SPNSD ADR           COMMON STOCK     654902204      332    22850 SH       OTHER                 18550        0     4300
NORTEL NETWORKS CORP           COMMON STOCK     656568102        7     1500 SH       OTHER                  1500        0        0
NOVARTIS AG SPONSORED ADR      COMMON STOCK     66987V109       13      300 SH       OTHER                   300        0        0
PETROKAZAKHSTAN INC            COMMON STOCK     71649P102       14      500 SH       DEFINED                 500        0        0
PLACER DOME INC                COMMON STOCK     725906101      106     6350 SH       DEFINED                6350        0        0
PLACER DOME INC                COMMON STOCK     725906101       75     4533 SH       OTHER                  3063        0     1470
PROVIDENT ENERGY TRUST-UTS     COMMON STOCK     74386K104        8     1000 SH       OTHER                  1000        0        0
REPSOL YPF SA SPONSORED ADR    COMMON STOCK     76026T205      177     8100 SH       DEFINED                8100        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       30      733 SH       DEFINED                 733        0        0
REUTERS GROUP PLC SPONSORED AD COMMON STOCK     76132M102       26      646 SH       OTHER                   646        0        0
RINKER GROUP LTD-ADR           COMMON STOCK     76687M101        6      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      667    12905 SH       DEFINED               12755        0      150
ROYAL DUTCH PETROLEUM          COMMON STOCK     780257804     1134    21946 SH       OTHER                 21946        0        0
SCHLUMBERGER LTD               COMMON STOCK     806857108      863    13584 SH       DEFINED               13409        0      175
SCHLUMBERGER LTD               COMMON STOCK     806857108      720    11329 SH       OTHER                 11329        0        0
SCOTTISH POWER PLC-ADR         COMMON STOCK     81013T705       25      843 SH       OTHER                   843        0        0
SHIRE PHARMACEUTICALS GROUP-AD COMMON STOCK     82481R106       11      400 SH       DEFINED                   0        0      400
SMITH & NEPHEW PLC-ADR         COMMON STOCK     83175M205       18      326 SH       DEFINED                 326        0        0
SUN LIFE FINANCIAL INC         COMMON STOCK     866796105       80     2771 SH       DEFINED                2771        0        0
SUNCOR ENERGY INC              COMMON STOCK     867229106       51     2000 SH       DEFINED                2000        0        0
SUNCOR ENERGY INC              COMMON STOCK     867229106        8      300 SH       OTHER                   300        0        0
TELEFONICA SA ADR              COMMON STOCK     879382208        5      102 SH       OTHER                   102        0        0
TELEFONOS DE MEXICO S A ADR    COMMON STOCK     879403780       78     2350 SH       DEFINED                2350        0        0
TELEFONOS DE MEXICO S A ADR    COMMON STOCK     879403780       50     1500 SH       OTHER                  1500        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209       27      400 SH       DEFINED                 400        0        0
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209       97     1450 SH       OTHER                  1450        0        0
TOYOTA MTR CORP SPONSD ADR     COMMON STOCK     892331307       33      400 SH       DEFINED                 400        0        0
TRANSOCEAN INC                 COMMON STOCK     G90078109       21      736 SH       DEFINED                 736        0        0
TRANSOCEAN INC                 COMMON STOCK     G90078109       15      511 SH       OTHER                   511        0        0
ULTRA PETE CORP                COMMON STOCK     903914109       37     1000 SH       DEFINED                1000        0        0
UNILEVER N V NY SHARES         COMMON STOCK     904784709      233     3400 SH       DEFINED                3400        0        0
UNILEVER N V NY SHARES         COMMON STOCK     904784709      288     4201 SH       OTHER                  4201        0        0
VODAFONE GROUP PLC ADR         COMMON STOCK     92857W100     6195   280303 SH       DEFINED              214903        0    65400
VODAFONE GROUP PLC ADR         COMMON STOCK     92857W100     2664   120556 SH       OTHER                106440        0    14116
W HOLDING COMPANY INC          COMMON STOCK     929251106       53     3060 SH       OTHER                  3060        0        0
WEATHERFORD INTL LTD           COMMON STOCK     G95089101       11      250 SH       DEFINED                   0        0      250
WEATHERFORD INTL LTD           COMMON STOCK     G95089101       13      300 SH       OTHER                     0        0      300
XL CAP LTD                     COMMON STOCK     G98255105     5490    72760 SH       DEFINED               49635        0    23125
XL CAP LTD                     COMMON STOCK     G98255105     1806    23930 SH       OTHER                 19132        0     4798
CONSECO INC-WTS              9 COMMON STOCK     208464123        0       77 SH       OTHER                    77        0        0
SOUTHERN CMNTY FINL CORP WT  9 COMMON STOCK     84263N113        2     1000 SH       OTHER                  1000        0        0
APARTMENT INVT & MGMT CO       COMMON STOCK     03748R101        6      186 SH       DEFINED             N.A.     N.A.     N.A.
ARCHSTONE-SMITH TRUST          COMMON STOCK     039583109        6      197 SH       OTHER               N.A.     N.A.     N.A.
BRE PROPERTIES CL A            COMMON STOCK     05564E106       46     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        2       54 SH       OTHER               N.A.     N.A.     N.A.
CAPITAL AUTOMOTIVE REIT COM    COMMON STOCK     139733109       12      400 SH       DEFINED             N.A.     N.A.     N.A.
CAPITAL AUTOMOTIVE REIT COM    COMMON STOCK     139733109       59     2000 SH       OTHER               N.A.     N.A.     N.A.
CBL & ASSOC PPTYS INC          COMMON STOCK     124830100      514     9350 SH       DEFINED             N.A.     N.A.     N.A.
CBL & ASSOC PPTYS INC          COMMON STOCK     124830100      286     5200 SH       OTHER               N.A.     N.A.     N.A.
DUKE REALTY CORP               COMMON STOCK     264411505       18      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.
EQUITY INNS INC                COMMON STOCK     294703103       19     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        8      200 SH       DEFINED             N.A.     N.A.     N.A.
FIRST INDUST REALTY TR INC     COMMON STOCK     32054K103       41     1100 SH       DEFINED             N.A.     N.A.     N.A.
FIRST INDUST REALTY TR INC     COMMON STOCK     32054K103       15      400 SH       OTHER               N.A.     N.A.     N.A.
GLENBOROUGH RLTY TR INC        COMMON STOCK     37803P105       18     1000 SH       OTHER               N.A.     N.A.     N.A.
HEALTH CARE PPTY INVS INC      COMMON STOCK     421915109       10      400 SH       DEFINED             N.A.     N.A.     N.A.
HEALTHCARE RLTY TR INC         COMMON STOCK     421946104      116     3100 SH       DEFINED             N.A.     N.A.     N.A.
ISTAR FINANCIAL INC            COMMON STOCK     45031U101       23      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.
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        9      233 SH       DEFINED             N.A.     N.A.     N.A.
MID-AMER APT CMNTYS INC        COMMON STOCK     59522J103      323     8533 SH       OTHER               N.A.     N.A.     N.A.
NEW PLAN EXCEL RLTY TR INC     COMMON STOCK     648053106       47     2000 SH       OTHER               N.A.     N.A.     N.A.
PENNSYLVANIA REAL ESTATE INVT  COMMON STOCK     709102107       33      975 SH       DEFINED             N.A.     N.A.     N.A.
PUBLIC STORAGE INC             COMMON STOCK     74460D109      167     3630 SH       OTHER               N.A.     N.A.     N.A.
SENIOR HOUSING PROPERTIES TRUS COMMON STOCK     81721M109       11      650 SH       DEFINED             N.A.     N.A.     N.A.
SHURGARD STORAGE CTRS INC CL A COMMON STOCK     82567D104      113     3034 SH       OTHER               N.A.     N.A.     N.A.
UNITED DOMINION REALTY TRUST I COMMON STOCK     910197102       47     2400 SH       DEFINED             N.A.     N.A.     N.A.
VORNADO REALTY TRUST           COMMON STOCK     929042109      197     3449 SH       OTHER               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.
CITIZENS UTILS TR 5.000% PFD   PREFERRED STOCK  177351202       40      800 SH       OTHER               N.A.     N.A.     N.A.
AMAZON COM INC       4.750%  2 OTHER            023135AF3        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.
JC PENNEY CO         5.000% 10 OTHER            708160BV7       33    25000 PRN      OTHER               N.A.     N.A.     N.A.
ADAMS EXPRESS COMPANY          OTHER            006212104        2      157 SH       DEFINED             N.A.     N.A.     N.A.
ADAMS EXPRESS COMPANY          OTHER            006212104      182    14308 SH       OTHER               N.A.     N.A.     N.A.
ENERPLUS RESOURCES FUND        OTHER            29274D604        6      200 SH       OTHER               N.A.     N.A.     N.A.
FIRST FINANCIAL FUND INC       OTHER            320228109      119     6695 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI DIVIDEND & INCOME TR   OTHER            36242H104       17     1000 SH       DEFINED             N.A.     N.A.     N.A.
GABELLI DIVIDEND & INCOME TR   OTHER            36242H104       17     1000 SH       OTHER               N.A.     N.A.     N.A.
GENERAL AMERICAN INVESTORS     OTHER            368802104      127     4230 SH       OTHER               N.A.     N.A.     N.A.
LIBERTY ALL STAR EQUITY FD     OTHER            530158104       43     4616 SH       DEFINED             N.A.     N.A.     N.A.
MASSMUTUAL CORPORATE INVS INC  OTHER            576292106       10      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.
NUVEEN QUALITY PREFERRED II    OTHER            67072C105       28     2000 SH       OTHER               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       63     2627 SH       OTHER               N.A.     N.A.     N.A.
SOURCE CAPITAL INC             OTHER            836144105        2       33 SH       OTHER               N.A.     N.A.     N.A.
STREETTRACKS SER TR SML CAP VA OTHER            86330E406      102      600 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON EMERGING MKTS FD INC OTHER            880191101        3      234 SH       OTHER               N.A.     N.A.     N.A.
TRI CONTINENTAL CORPORATION    OTHER            895436103      113     6731 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN VA PREM INCOME MUN FD   OTHER            67064R102        8      504 SH       OTHER               N.A.     N.A.     N.A.
ABERDEEN ASIA PAC PRIME INC    OTHER            003009107       14     2500 SH       DEFINED             N.A.     N.A.     N.A.
ABERDEEN ASIA PAC PRIME INC    OTHER            003009107        2      300 SH       OTHER               N.A.     N.A.     N.A.
ACM INCOME FUND, INC           OTHER            000912105       57     7224 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INSD MUN INCOME TR   OTHER            092479104       10      795 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INSD MUN INCOME TR   OTHER            092479104       44     3378 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INSD MUN TERM TR INC OTHER            092474105       16     1500 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK INSD MUN 2008 TERM T OTHER            09247K109       73     4500 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK INVT QUALITY MUN TR  OTHER            09247D105       44     3231 SH       DEFINED             N.A.     N.A.     N.A.
BLACKROCK MUNI TARGET TERM TR  OTHER            09247M105       46     4300 SH       DEFINED             N.A.     N.A.     N.A.
COLONIAL MUN INCOME TR         OTHER            195799101        8     1500 SH       DEFINED             N.A.     N.A.     N.A.
DNP SELECT INCOME FUND INC     OTHER            23325P104      114    10800 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.
DREYFUS STRATEGIC MUNS INC     OTHER            261932107        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.
HANCOCK JOHN INVS TR SH BEN IN OTHER            410142103       59     3000 SH       OTHER               N.A.     N.A.     N.A.
HIGH INCOME OPPORTUNITY FD INC OTHER            42967Q105       13     2018 SH       DEFINED             N.A.     N.A.     N.A.
LINCOLN NATL INCOME FUND       OTHER            534217104       38     3068 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED HIGH YIELD PLUS FD INC OTHER            561911108       29     5416 SH       DEFINED             N.A.     N.A.     N.A.
MFS CHARTER INCOME TR          OTHER            552727109       22     2650 SH       DEFINED             N.A.     N.A.     N.A.
MFS CHARTER INCOME TR          OTHER            552727109       17     2000 SH       OTHER               N.A.     N.A.     N.A.
MFS MUN INCOME TR              OTHER            552738106       25     3375 SH       DEFINED             N.A.     N.A.     N.A.
MFS MUN INCOME TR              OTHER            552738106       32     4300 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY INSURED MUNI IN OTHER            61745P791      105     7800 SH       OTHER               N.A.     N.A.     N.A.
MORGAN STANLEY MUNI PREM INCOM OTHER            61745P429        9     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        8      600 SH       OTHER               N.A.     N.A.     N.A.
MUNIYIELD INSD FD INC          OTHER            62630E107       85     6331 SH       DEFINED             N.A.     N.A.     N.A.
NEUBERGER BERMAN INTER MUNI BD OTHER            64124P101       26     2077 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 DVD ADVANTAGE MUNI FD   OTHER            67066V101      191    13400 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUN FD INC OTHER            67062N103       17     1185 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD QUALITY MUN FD INC OTHER            67062N103       29     2000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN INVT QUALITY MUN FD INC OTHER            67062E103      122     8763 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUN ADVANTAGE FD INC    OTHER            67062H106       17     1230 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUN MKT OPPORTUNITY FD  OTHER            67062W103       33     2450 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN MUN MKT OPPORTUNITY FD  OTHER            67062W103       29     2121 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 4 IN OTHER            6706K4105       64     5500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREM INCOME MUN FD 4 IN OTHER            6706K4105       13     1138 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN PREMIER INSD MUN INCOME OTHER            670987106       26     1800 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PREMIER MUN INCOME FD I OTHER            670988104       56     4177 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       47     3500 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN QUALITY INCOME MUN FD I OTHER            670977107       75     5610 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT QUALITY MUNI FD  OTHER            670973106      120     8686 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN SELECT TAX-FREE INC 2   OTHER            67063C106        9      667 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN VA DIVID ADVANTAGE MUN  OTHER            67069M108       61     4000 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN VA DIVID ADVANTAGE MUN  OTHER            67071C106       60     4000 SH       OTHER               N.A.     N.A.     N.A.
PIMCO MUNICIPAL INCOME FUND    OTHER            72200R107        6      487 SH       OTHER               N.A.     N.A.     N.A.
PIMCO STRATEGIC GLOBAL GOVT FD OTHER            72200X104        6      600 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM HIGH YIELD MUN TR       OTHER            746781103       26     4075 SH       OTHER               N.A.     N.A.     N.A.
PUTNAM MANAGED MUN INCOME TR   OTHER            746823103        6      900 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MUNI OPPORTUNITIES TR   OTHER            746922103       28     2307 SH       DEFINED             N.A.     N.A.     N.A.
PUTNAM MUNI OPPORTUNITIES TR   OTHER            746922103       29     2400 SH       OTHER               N.A.     N.A.     N.A.
RMK HIGH INCOME FD INC         OTHER            74963B105      110     6790 SH       OTHER               N.A.     N.A.     N.A.
RMK STRATEGIC INCOME FD INC    OTHER            74963H102      101     6780 SH       OTHER               N.A.     N.A.     N.A.
TEMPLETON EMERGING MKTS INCOME OTHER            880192109        5      400 SH       DEFINED             N.A.     N.A.     N.A.
TEMPLETON GLOBAL INCOME FD INC OTHER            880198106       79    10000 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN ADVNTG MUNI INCOME  OTHER            921124103       22     1575 SH       OTHER               N.A.     N.A.     N.A.
VAN KAMPEN SENIOR INCOME TRS   OTHER            920961109       18     2000 SH       OTHER               N.A.     N.A.     N.A.
BLACKROCK MUNI 2020 TERM TR    OTHER            09249X109       28     2000 SH       DEFINED             N.A.     N.A.     N.A.
COLONIAL INVT GRADE UIT  MONTH OTHER            195768106       52     5400 SH       DEFINED             N.A.     N.A.     N.A.
MANAGED MUNS PORTFOLIO INC     OTHER            561662107       77     7101 SH       DEFINED             N.A.     N.A.     N.A.
MUNI ENHANCED FD INC           OTHER            626243109       75     7453 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       70     4900 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN INSD MUN OPPORTUNITY FD OTHER            670984103       10      700 SH       OTHER               N.A.     N.A.     N.A.
NUVEEN MUN VALUE FD INC        OTHER            670928100       84     9600 SH       DEFINED             N.A.     N.A.     N.A.
NUVEEN PERFORM PLUS MUN MIT MO OTHER            67062P108       17     1275 SH       DEFINED             N.A.     N.A.     N.A.
VAN KAMPEN TR INSURED MUNIS    OTHER            920928108       14     1024 SH       OTHER               N.A.     N.A.     N.A.
EQUITY INV UIT SER 1 MONTHLY   OTHER            294700703       34      420 SH       OTHER               N.A.     N.A.     N.A.
MAGELLAN MIDSTREAM PARTNERS    OTHER            559080106       33      700 SH       DEFINED             N.A.     N.A.     N.A.