UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549

                        ------------------------------

                                    FORM 13F

                        ------------------------------

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  March 31, 2008

Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [  ] is a restatement.
                                  [  ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:             TERRY L BLAKER
Address:          200 EAST JACKSON STREET
                  MUNCIE, IN   47305

13F File Number:  28-

The institutional  investment  manager filing this report and the person by whom
it is signed hereby  represent  that the person signing the report is authorized
to  submit  it,  that all  information  contained  herein is true,  correct  and
complete,  and  that it is  understood  that  all  required  items,  statements,
schedules, lists, and tables, are considered integral parts of this form.

Person signing this Report on Behalf of Reporting Manager:

Name:             Terry L Blaker
Title:            Senior Vice President
Phone:            (765) 747-1570

Signature, Place, and Date of Signing:

                  Terry L Blaker          Muncie, IN         April 4, 2008

Report Type (Check only one.):

[X]    13F HOLDING REPORT.
[ ]    13F NOTICE.
[ ]    COMBINATION REPORT.


<PAGE>
                              FORM 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:  None

Form 13F Information Table Entry Total: 233

Form 13F Information Table Value Total: $289,437,000


List of Other Included Managers:

None

<table>
<caption>
                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S>                          <C>                    <C>        <C>     <C>   <C>     <C>                      <C>      <C>       <C>
ACCENTURE LTD CLASS A       COM                 G1150G111      611    17375 SH       SOLE                    16975      300      100
ACCENTURE LTD CLASS A       COM                 G1150G111       19      550 SH       DEFINED                   550        0        0
INGERSOLL RAND CL A         COM                 G4776G101     4378    98235 SH       SOLE                    96285     1500      450
INGERSOLL RAND CL A         COM                 G4776G101      167     3755 SH       DEFINED                  3755        0        0
TRANSOCEAN                  COM                 G90073100      405     2993 SH       SOLE                     2612      381        0
TRANSOCEAN                  COM                 G90073100        9       68 SH       DEFINED                    68        0        0
AFLAC INC                   COM                 001055102      805    12395 SH       SOLE                    12070      225      100
AFLAC INC                   COM                 001055102       24      375 SH       DEFINED                   375        0        0
AT&T INC                    COM                 00206R102     4215   110094 SH       SOLE                   109662        0      432
AT&T INC                    COM                 00206R102      328     8565 SH       DEFINED                  5180        0     3385
ABBOTT LABS                 COM                 002824100     4392    79639 SH       SOLE                    78289     1050      300
ABBOTT LABS                 COM                 002824100      331     6002 SH       DEFINED                  5402        0      600
ALCOA INC                   COM                 013817101     1224    33937 SH       SOLE                    32387     1550        0
ALCOA INC                   COM                 013817101       68     1875 SH       DEFINED                  1875        0        0
AMERICAN INTERNATIONAL GRP  COM                 026874107      845    19543 SH       SOLE                    19543        0        0
AMERICAN INTERNATIONAL GRP  COM                 026874107       78     1800 SH       DEFINED                  1800        0        0
APACHE CORP                 COM                 037411105      764     6326 SH       SOLE                     5926      400        0
APACHE CORP                 COM                 037411105        9       75 SH       DEFINED                    75        0        0
AUTOMATIC DATA PROCESSING   COM                 053015103     5122   120869 SH       SOLE                   118869     1450      550
AUTOMATIC DATA PROCESSING   COM                 053015103       37      875 SH       DEFINED                   875        0        0
BB & T CORPORATION          COM                 054937107      424    13245 SH       SOLE                    11945      300     1000
BB & T CORPORATION          COM                 054937107       34     1075 SH       DEFINED                  1075        0        0
BJ SERVICES CO              COM                 055482103      212     7430 SH       SOLE                     7430        0        0
BJ SERVICES CO              COM                 055482103       11      380 SH       DEFINED                   380        0        0
BP PLC - SPONS              ADR                 055622104     5280    87051 SH       SOLE                    85651     1100      300
BP PLC - SPONS              ADR                 055622104      881    14527 SH       DEFINED                  4010        0    10517
BALL CORP                   COM                 058498106     2718    59175 SH       SOLE                    59175        0        0
BANK OF AMERICA CORP        COM                 060505104     4115   108584 SH       SOLE                   105884     1000     1700
BANK OF AMERICA CORP        COM                 060505104       87     2300 SH       DEFINED                  1800        0      500
BANK OF NEW YORK MELLON CORPCOM                 064058100      879    21058 SH       SOLE                    20558      400      100
BANK OF NEW YORK MELLON CORPCOM                 064058100       25      602 SH       DEFINED                   602        0        0
BAXTER INTERNATIONAL INC    COM                 071813109     1230    21280 SH       SOLE                    20930      350        0
BAXTER INTERNATIONAL INC    COM                 071813109        8      145 SH       DEFINED                   145        0        0
BECTON DICKINSON & CO       COM                 075887109      206     2400 SH       SOLE                     2400        0        0
BED BATH & BEYOND           COM                 075896100      402    13640 SH       SOLE                    13340      300        0
BED BATH & BEYOND           COM                 075896100       32     1070 SH       DEFINED                  1070        0        0
BEST BUY COMPANY INC        COM                 086516101      830    20029 SH       SOLE                    20029        0        0
BEST BUY COMPANY INC        COM                 086516101       36      875 SH       DEFINED                   875        0        0
CATERPILLAR INC.            COM                 149123101     1607    20527 SH       SOLE                    19877      650        0
CATERPILLAR INC.            COM                 149123101       12      150 SH       DEFINED                   150        0        0
CHEVRON CORP                COM                 166764100     8896   104221 SH       SOLE                   101771     1000     1450
CHEVRON CORP                COM                 166764100      274     3215 SH       DEFINED                  3215        0        0
CHUBB CORP                  COM                 171232101      277     5590 SH       SOLE                     5590        0        0
CHUBB CORP                  COM                 171232101       20      400 SH       DEFINED                   400        0        0
CISCO SYSTEMS               COM                 17275R102     2623   108880 SH       SOLE                   107380     1100      400
CISCO SYSTEMS               COM                 17275R102       38     1595 SH       DEFINED                  1595        0        0
CITIGROUP INC               COM                 172967101      255    11899 SH       SOLE                    10899        0     1000
CITIGROUP INC               COM                 172967101       10      466 SH       DEFINED                    66        0      400
COCA COLA CO                COM                 191216100     1732    28459 SH       SOLE                    28459        0        0
COCA COLA CO                COM                 191216100      146     2400 SH       DEFINED                  2400        0        0
COLGATE PALMOLIVE CO        COM                 194162103     1907    24486 SH       SOLE                    23236     1150      100
COLGATE PALMOLIVE CO        COM                 194162103      144     1850 SH       DEFINED                   250        0     1600
CONOCOPHILLIPS              COM                 20825C104     4138    54302 SH       SOLE                    53252      900      150
CONOCOPHILLIPS              COM                 20825C104      196     2575 SH       DEFINED                  2575        0        0
COVANCE INC                 COM                 222816100     1195    14405 SH       SOLE                    13605      700      100
COVANCE INC                 COM                 222816100       39      475 SH       DEFINED                   475        0        0
CULLEN FROST BANKERS        COM                 229899109      204     3850 SH       SOLE                     3400      450        0
CULLEN FROST BANKERS        COM                 229899109        8      160 SH       DEFINED                   160        0        0
DNP SELECT INCOME FUND                          23325P104      838    76939 SH       SOLE                    74909     1030     1000
DNP SELECT INCOME FUND                          23325P104      111    10210 SH       DEFINED                 10210        0        0
DANAHER CORP                COM                 235851102     1581    20800 SH       SOLE                    20100      600      100
DANAHER CORP                COM                 235851102       61      800 SH       DEFINED                   800        0        0
DEERE & CO                  COM                 244199105      753     9355 SH       SOLE                     8655      700        0
DEERE & CO                  COM                 244199105       52      650 SH       DEFINED                   650        0        0
DELL INC                    COM                 24702R101      477    23965 SH       SOLE                    23965        0        0
DISNEY WALT COMPANY         COM                 254687106     2148    68465 SH       SOLE                    68390       75        0
DISNEY WALT COMPANY         COM                 254687106        9      300 SH       DEFINED                   300        0        0
DOW CHEM CO                 COM                 260543103     1775    48190 SH       SOLE                    47340      600      250
DOW CHEM CO                 COM                 260543103       61     1650 SH       DEFINED                   750        0      900
DU PONT E I DE NEMOURS      COM                 263534109      898    19202 SH       SOLE                    18452      750        0
DU PONT E I DE NEMOURS      COM                 263534109       22      470 SH       DEFINED                   470        0        0
EMERSON ELEC CO             COM                 291011104     5518   107253 SH       SOLE                   106053      800      400
EMERSON ELEC CO             COM                 291011104      164     3185 SH       DEFINED                  3185        0        0
EXELON CORP                 COM                 30161N101      882    10849 SH       SOLE                    10849        0        0
EXXON MOBIL CORP            COM                 30231G102    11537   136403 SH       SOLE                   134611     1342      450
EXXON MOBIL CORP            COM                 30231G102      893    10563 SH       DEFINED                  9571        0      992
FPL GROUP INC               COM                 302571104     1882    30000 SH       SOLE                    26700     1300     2000
FPL GROUP INC               COM                 302571104       85     1360 SH       DEFINED                  1360        0        0
FIRST MERCHANTS CORP        COM                 320817109     3133   109787 SH       SOLE                   108685     1102        0
FIRST MERCHANTS CORP        COM                 320817109      459    16074 SH       DEFINED                 16074        0        0
GENERAL ELEC CO             COM                 369604103    10591   286241 SH       SOLE                   281491     3300     1450
GENERAL ELEC CO             COM                 369604103      714    19285 SH       DEFINED                 13585        0     5700
GOLDMAN SACHS GROUP         COM                 38141G104      920     5561 SH       SOLE                     5261      300        0
GOLDMAN SACHS GROUP         COM                 38141G104       33      200 SH       DEFINED                   200        0        0
GRACO INC                   COM                 384109104      812    22410 SH       SOLE                    22410        0        0
GRACO INC                   COM                 384109104       12      325 SH       DEFINED                   325        0        0
HARRIS CORP DEL             COM                 413875105     1291    26615 SH       SOLE                    25840      775        0
HARRIS CORP DEL             COM                 413875105       22      445 SH       DEFINED                   445        0        0
HARSCO CORP                 COM                 415864107     1290    23300 SH       SOLE                    23300        0        0
HEWLETT PACKARD CO          COM                 428236103     3065    67144 SH       SOLE                    66744        0      400
HEWLETT PACKARD CO          COM                 428236103      165     3625 SH       DEFINED                  3625        0        0
HONEYWELL INTL INC          COM                 438516106      233     4125 SH       SOLE                     4125        0        0
ILLINOIS TOOL WORKS INC     COM                 452308109      215     4450 SH       SOLE                     4450        0        0
INTEL CORP                  COM                 458140100     4179   197286 SH       SOLE                   193986     2700      600
INTEL CORP                  COM                 458140100      166     7850 SH       DEFINED                  7850        0        0
INTL BUSINESS MACHINES CORP COM                 459200101     3634    31563 SH       SOLE                    30763      650      150
INTL BUSINESS MACHINES CORP COM                 459200101       80      695 SH       DEFINED                   695        0        0
ISHARES LEHMAN AGGREGATE    BOND FUND           464287226      413     4020 SH       SOLE                     3950       70        0
MSCI EMERGING MARKET INDEX                      464287234      383     2850 SH       SOLE                     2850        0        0
MSCI EAFE INDEX SHARES                          464287465     7538   104840 SH       SOLE                   102310     1520     1010
MSCI EAFE INDEX SHARES                          464287465      165     2298 SH       DEFINED                  2298        0        0
BIOTECHNOLOGY I SHARES      COM                 464287556     1781    23505 SH       SOLE                    22635      820       50
BIOTECHNOLOGY I SHARES      COM                 464287556       30      390 SH       DEFINED                   390        0        0
S&P 400 MIDCAP GROWTH       ISHARES             464287606      363     4454 SH       SOLE                     4454        0        0
S&P 400 MIDCAP GROWTH       ISHARES             464287606       32      395 SH       DEFINED                   395        0        0
ISHARES RUSSELL 2000        I SHARES            464287655     2277    33338 SH       SOLE                    31688     1195      455
ISHARES RUSSELL 2000        I SHARES            464287655      133     1951 SH       DEFINED                  1951        0        0
S&P 400 MIDCAP VALUE        ISHARES             464287705      340     4660 SH       SOLE                     4660        0        0
S&P 400 MIDCAP VALUE        ISHARES             464287705       33      450 SH       DEFINED                   450        0        0
I SHARES S&P SMALL CAP 600  COM                 464287804      310     5172 SH       SOLE                     4992      180        0
S&P 600 SMALL CAP VALUE     ISHARES             464287879      451     6885 SH       SOLE                     6885        0        0
S&P 600 SMALL CAP VALUE     ISHARES             464287879       25      385 SH       DEFINED                   385        0        0
S&P 600 SMALL CAP GROWTH    ISHARES             464287887      510     4123 SH       SOLE                     4123        0        0
S&P 600 SMALL CAP GROWTH    ISHARES             464287887       25      205 SH       DEFINED                   205        0        0
J P MORGAN CHASE & CO       COM                 46625H100     5929   138052 SH       SOLE                   136973      479      600
J P MORGAN CHASE & CO       COM                 46625H100      567    13200 SH       DEFINED                 13200        0        0
JARDEN CORPORATION          COM                 471109108      226    10405 SH       SOLE                    10405        0        0
JOHNSON & JOHNSON           COM                 478160104     7758   119619 SH       SOLE                   117794     1525      300
JOHNSON & JOHNSON           COM                 478160104      474     7310 SH       DEFINED                  6910        0      400
JOHNSON CTLS INC            COM                 478366107     2199    65093 SH       SOLE                    63743     1200      150
JOHNSON CTLS INC            COM                 478366107       23      675 SH       DEFINED                   675        0        0
KELLOGG CO                  COM                 487836108      307     5840 SH       SOLE                     5840        0        0
KIMBERLY CLARK CORP         COM                 494368103     2905    45018 SH       SOLE                    44268      500      250
KIMBERLY CLARK CORP         COM                 494368103        7      110 SH       DEFINED                   110        0        0
KOHL'S CORP                 COM                 500255104      932    21747 SH       SOLE                    20937      710      100
KOHL'S CORP                 COM                 500255104       41      965 SH       DEFINED                   965        0        0
LILLY ELI & CO              COM                 532457108     5742   111298 SH       SOLE                   110898      100      300
LILLY ELI & CO              COM                 532457108       90     1750 SH       DEFINED                  1750        0        0
LINCOLN NATL CORP IND       COM                 534187109      791    15210 SH       SOLE                    14685      525        0
LINCOLN NATL CORP IND       COM                 534187109       77     1475 SH       DEFINED                  1475        0        0
LOEWS CORP                  COM                 540424108      466    11588 SH       SOLE                    11588        0        0
LOWE'S COMPANIES INC        COM                 548661107     4266   186045 SH       SOLE                   182395     3050      600
LOWE'S COMPANIES INC        COM                 548661107       74     3215 SH       DEFINED                  2815        0      400
MASCO CORP                  COM                 574599106     1078    54387 SH       SOLE                    53887      100      400
MASCO CORP                  COM                 574599106       27     1385 SH       DEFINED                  1385        0        0
MCDONALDS CORP              COM                 580135101      822    14739 SH       SOLE                    14739        0        0
MCDONALDS CORP              COM                 580135101       89     1600 SH       DEFINED                  1600        0        0
MEDTRONIC INCORPORATED      COM                 585055106     2472    51112 SH       SOLE                    49887     1025      200
MEDTRONIC INCORPORATED      COM                 585055106       35      725 SH       DEFINED                   725        0        0
MICROSOFT CORPORATION       COM                 594918104     6015   211961 SH       SOLE                   207911     2850     1200
MICROSOFT CORPORATION       COM                 594918104      230     8090 SH       DEFINED                  8090        0        0
MICROCHIP TECHNOLOGY        COM                 595017104     1735    53025 SH       SOLE                    51525     1300      200
MICROCHIP TECHNOLOGY        COM                 595017104       63     1925 SH       DEFINED                  1925        0        0
S&P 400 MIDCAP SPDR                             595635103     5356    37942 SH       SOLE                    36957      738      247
S&P 400 MIDCAP SPDR                             595635103      230     1628 SH       DEFINED                  1628        0        0
NORTHERN TR CORP            COM                 665859104      287     4325 SH       SOLE                     4325        0        0
NORTHERN TR CORP            COM                 665859104       11      160 SH       DEFINED                   160        0        0
NORTHROP GRUMMAN CORP       COM                 666807102       25      320 SH       SOLE                      320        0        0
NORTHROP GRUMMAN CORP       COM                 666807102      850    10928 SH       DEFINED                 10928        0        0
NOVARTIS A G SPONSORED      ADR                 66987V109      523    10210 SH       SOLE                    10160       50        0
NOVARTIS A G SPONSORED      ADR                 66987V109       19      375 SH       DEFINED                   375        0        0
NUCOR CORP                  COM                 670346105      241     3555 SH       SOLE                     3555        0        0
NUCOR CORP                  COM                 670346105       18      260 SH       DEFINED                   260        0        0
NVIDIA CORP                 COM                 67066G104      748    37805 SH       SOLE                    36205     1600        0
NUVEEN MUNI DIVIDEND ADVISOR                    67070X101      148    10980          SOLE                    10980        0        0
OLD NATIONAL BANCORP        COM                 680033107      548    30469 SH       SOLE                    30469        0        0
OMNICOM GROUP INC           COM                 681919106      209     4722 SH       SOLE                     4672       50        0
OMNICOM GROUP INC           COM                 681919106       12      275 SH       DEFINED                   275        0        0
ORACLE CORP                 COM                 68389X105     1171    59910 SH       SOLE                    58760     1000      150
ORACLE CORP                 COM                 68389X105       57     2930 SH       DEFINED                  2930        0        0
PEPSICO INC                 COM                 713448108     8227   113947 SH       SOLE                   112047     1400      500
PEPSICO INC                 COM                 713448108      441     6105 SH       DEFINED                  6105        0        0
PFIZER INC                  COM                 717081103     1322    63170 SH       SOLE                    61770      200     1200
PFIZER INC                  COM                 717081103       25     1210 SH       DEFINED                  1210        0        0
T. ROWE PRICE GROUP INC     COM                 74144T108     1133    22651 SH       SOLE                    22651        0        0
T. ROWE PRICE GROUP INC     COM                 74144T108       30      600 SH       DEFINED                   600        0        0
PRINCIPAL FINANCIAL GROUP   COM                 74251V102      660    11840 SH       SOLE                    11390      450        0
PRINCIPAL FINANCIAL GROUP   COM                 74251V102       19      340 SH       DEFINED                   340        0        0
PROCTER & GAMBLE CO         COM                 742718109     7492   106935 SH       SOLE                   105235     1450      250
PROCTER & GAMBLE CO         COM                 742718109      328     4685 SH       DEFINED                  1685        0     3000
PRUDENTIAL FINANCIAL        COM                 744320102      575     7349 SH       SOLE                     6799      550        0
PRUDENTIAL FINANCIAL        COM                 744320102      109     1390 SH       DEFINED                  1390        0        0
S&P 500 INDEX SPDR ETF                          78462F103     1282     9713 SH       SOLE                     9713        0        0
SPDR MSCI ALL-COUNTRY WORLD EX-US INDEX ETF     78463X848     3271    86854 SH       SOLE                    86854        0        0
SCHLUMBERGER LTD            COM                 806857108     7691    88405 SH       SOLE                    86975      930      500
SCHLUMBERGER LTD            COM                 806857108      192     2204 SH       DEFINED                  2204        0        0
MATERIALS SELECT SECTOR SPDRCOM                 81369Y100      642    15990 SH       SOLE                    15560      380       50
MATERIALS SELECT SECTOR SPDRCOM                 81369Y100       16      400 SH       DEFINED                   400        0        0
SECTOR SPDR HEALTH CARE     COM                 81369Y209      327    10490 SH       SOLE                    10100      390        0
TECHNOLOGY SELECT SECTOR    COM                 81369Y803      326    14540 SH       SOLE                    14115      425        0
TECHNOLOGY SELECT SECTOR    COM                 81369Y803       13      580 SH       DEFINED                   580        0        0
SECTOR SPDR UTILITIES       COM                 81369Y886      536    14125 SH       SOLE                    14050        0       75
SECTOR SPDR UTILITIES       COM                 81369Y886        8      200 SH       DEFINED                   200        0        0
SOUTHERN CO                 COM                 842587107     1890    53085 SH       SOLE                    52135       50      900
SOUTHERN CO                 COM                 842587107      163     4580 SH       DEFINED                  4580        0        0
STAPLES INC                 COM                 855030102     2320   104919 SH       SOLE                   102569     2050      300
STAPLES INC                 COM                 855030102       75     3400 SH       DEFINED                  3400        0        0
STRYKER CORP                COM                 863667101     1618    24874 SH       SOLE                    24174      700        0
STRYKER CORP                COM                 863667101       16      250 SH       DEFINED                   250        0        0
SYSCO CORP                  COM                 871829107     4233   145874 SH       SOLE                   143024     2650      200
SYSCO CORP                  COM                 871829107      160     5500 SH       DEFINED                  5500        0        0
TARGET CORP                 COM                 87612E106     3611    71248 SH       SOLE                    69698     1150      400
TARGET CORP                 COM                 87612E106       57     1115 SH       DEFINED                  1115        0        0
TEVA PHARMACEUTICAL         ADR                 881624209      604    13075 SH       SOLE                    12575      500        0
TEVA PHARMACEUTICAL         ADR                 881624209       62     1345 SH       DEFINED                  1345        0        0
TEXAS INSTRS INC            COM                 882508104      826    29225 SH       SOLE                    29225        0        0
TEXAS INSTRS INC            COM                 882508104       11      375 SH       DEFINED                   375        0        0
THERMO FISHER SCIENTIFIC INCCOM                 883556102      739    13000 SH       SOLE                    12500      500        0
3M COMPANY                  COM                 88579Y101     1191    15046 SH       SOLE                    14796      250        0
3M COMPANY                  COM                 88579Y101      202     2550 SH       DEFINED                   350        0     2200
US BANCORP DEL              COM                 902973304     3805   117581 SH       SOLE                   113881     2250     1450
US BANCORP DEL              COM                 902973304       41     1260 SH       DEFINED                  1260        0        0
UNITED PARCEL SERVICE       COM                 911312106      858    11755 SH       SOLE                    11755        0        0
UNITED PARCEL SERVICE       COM                 911312106       84     1150 SH       DEFINED                  1150        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109     8009   116395 SH       SOLE                   114195     1700      500
UNITED TECHNOLOGIES CORP    COM                 913017109      109     1585 SH       DEFINED                  1585        0        0
UNITEDHEALTH GROUP INC      COM                 91324P102      757    22029 SH       SOLE                    22029        0        0
UNITEDHEALTH GROUP INC      COM                 91324P102        3      100 SH       DEFINED                   100        0        0
VF CORP                     COM                 918204108      353     4555 SH       SOLE                     4230      225      100
VF CORP                     COM                 918204108       12      150 SH       DEFINED                   150        0        0
VANGUARD TELECOM VIPER      COM                 92204A884      730    11805 SH       SOLE                    11505      300        0
VANGUARD TELECOM VIPER      COM                 92204A884       17      270 SH       DEFINED                   270        0        0
VNGRD FTSE ALLWORLD EXUS ETF                    922042775     1787    33154 SH       SOLE                    33154        0        0
VECTREN CORP                COM                 92240G101     2063    76921 SH       SOLE                    74782     1939      200
VECTREN CORP                COM                 92240G101       94     3500 SH       DEFINED                  2435        0     1065
VERIZON COMMUNICATIONS INC  COM                 92343V104     2781    76303 SH       SOLE                    75503      550      250
VERIZON COMMUNICATIONS INC  COM                 92343V104       33      913 SH       DEFINED                   913        0        0
WACHOVIA CORP               COM                 929903102     1703    63081 SH       SOLE                    62831      100      150
WACHOVIA CORP               COM                 929903102      116     4300 SH       DEFINED                  4300        0        0
WAL MART STORES INC         COM                 931142103     3740    71002 SH       SOLE                    70402      300      300
WAL MART STORES INC         COM                 931142103      211     4000 SH       DEFINED                  4000        0        0
WALGREEN COMPANY            COM                 931422109      480    12600 SH       SOLE                    12550       50        0
WALGREEN COMPANY            COM                 931422109       36      940 SH       DEFINED                   940        0        0
WELLS FARGO & CO            COM                 949746101     7088   243661 SH       SOLE                   240561     2100     1000
WELLS FARGO & CO            COM                 949746101      187     6425 SH       DEFINED                  5225        0     1200
WEYERHAEUSER CO             COM                 962166104     2140    32908 SH       SOLE                    32508      300      100
WEYERHAEUSER CO             COM                 962166104        7      100 SH       DEFINED                   100        0        0
WM WRIGLEY JR CO            COM                 982526105      361     5750 SH       SOLE                     5700       50        0
WM WRIGLEY JR CO            COM                 982526105        6      100 SH       DEFINED                   100        0        0
WYETH                       COM                 983024100     2249    53872 SH       SOLE                    53472        0      400
WYETH                       COM                 983024100      100     2400 SH       DEFINED                     0        0     2400
ZIMMER HLDGS INC            COM                 98956P102      572     7344 SH       SOLE                     7019      325        0
ZIMMER HLDGS INC            COM                 98956P102       37      480 SH       DEFINED                   480        0        0

 GRAND TOTALS                                               289437  6333559                                6191150    77081    65328
</table>