UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 13F-HR

                             FORM 13F-HR COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/28/01

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:    SIMMONS FIRST TRUST COMPANY, N.A.
ADDRESS: TRUST & INVESTMENT MANAGEMENT GROUP
         501 MAIN STREET
         PINE BLUFF, AR 71601

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:     JOE CLEMENT, III
TITLE:    PRESIDENT
PHONE:    (870)541-1107
SIGNATURE,PLACE,AND DATE OF SIGNING:

  /S/ JOE CLEMENT, III               PINE BLUFF, AR          10/24/01
----------------------               --------------          --------


REPORT TYPE (CHECK ONLY ONE.):

(X)        13F HOLDINGS REPORT

( )        13F NOTICE

( )        13F COMBINATION REPORT


LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
  NONE


I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.

<PAGE>
                              FORM 13F-HR SUMMARY PAGE


REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS:              1

FORM 13F INFORMATION TABLE ENTRY TOTAL:       409

FORM 13F INFORMATION TABLE VALUE TOTAL:  $131,341

<TABLE>
<CAPTION>

NO.                      FORM 13F FILE NUMBER                                  NAME
----------------------------------------------------------------------------------------------------

<S>                            <C>                                <C>
1                              28-04799                           SIMMONS FIRST NATIONAL CORPORATION

</TABLE>

<PAGE>

<TABLE>
<CAPTION>


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

<S>                            <C>              <C>          <C>     <C>             <C>           <C>     <C>           <C> <C>
A T & T CORP                   COMMON STOCK     001957109     1952   101141 SH       DEFINED       1       100691        0      450
A T & T CORP                   COMMON STOCK     001957109       38     1985 SH       OTHER                   1985        0        0
ABBOTT LABS                    COMMON STOCK     002824100      424     8170 SH       DEFINED       1         8170        0        0
ABBOTT LABS                    COMMON STOCK     002824100       52     1000 SH       OTHER                   1000        0        0
ADAMS EXPRESS CO               COMMON STOCK     006212104       30     2000 SH       DEFINED       1         2000        0        0
ADC TELECOMMUNICATIONS INC     COMMON STOCK     000886101      391   112177 SH       DEFINED       1       112177        0        0
ADOBE SYS INC                  COMMON STOCK     00724F101      948    39536 SH       DEFINED       1        39536        0        0
ADOBE SYS INC                  COMMON STOCK     00724F101        2       90 SH       OTHER                     90        0        0
ADVANCED DIGITAL INFO. CORP.   COMMON STOCK     007525108       10     1000 SH       DEFINED       1            0        0     1000
ADVANCED ENVIRONMENTAL RECYC C COMMON STOCK     007947104        2     2000 SH       DEFINED       1            0        0     2000
AGL RES INC                    COMMON STOCK     001204106       24     1200 SH       DEFINED       1         1200        0        0
AIRTRAN HOLDINGS INC           COMMON STOCK     00949P108        1      300 SH       DEFINED       1          300        0        0
ALBERTSONS INC                 COMMON STOCK     013104104       10      300 SH       DEFINED       1            0        0      300
ALCOA INC                      COMMON STOCK     013817101      372    12000 SH       DEFINED       1          800        0    11200
ALLEGHENY TECHNOLOGIES INC     COMMON STOCK     01741R102        2      173 SH       DEFINED       1          173        0        0
ALLSTATE CORP                  COMMON STOCK     020002101       94     2520 SH       DEFINED       1         2520        0        0
ALLTEL CORP                    COMMON STOCK     020039103      748    12902 SH       DEFINED       1        11622        0     1280
ALLTEL CORP                    COMMON STOCK     020039103       23      400 SH       OTHER                    400        0        0
AMERICAN CLAIMS EVALUATION INC COMMON STOCK     025144106        1     1000 SH       DEFINED       1            0        0     1000
AMERICAN ELEC PWR INC          COMMON STOCK     025537101       23      543 SH       DEFINED       1          543        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109      204     7007 SH       DEFINED       1         7007        0        0
AMERICAN EXPRESS CO            COMMON STOCK     025816109       26      900 SH       OTHER                    900        0        0
AMERICAN HOME PRODS CORP       COMMON STOCK     026609107      165     2825 SH       DEFINED       1         2825        0        0
AMERICAN HOME PRODS CORP       COMMON STOCK     026609107      146     2500 SH       OTHER                   2500        0        0
AMERICAN INTL GROUP INC        COMMON STOCK     026874107       36      463 SH       DEFINED       1            0        0      463
AMERICAN PWR CONVERSION CORP   COMMON STOCK     029066107        2      200 SH       DEFINED       1          200        0        0
AMERICAN WTR WKS INC           COMMON STOCK     030411102       28      700 SH       DEFINED       1          700        0        0
AMGEN INC                      COMMON STOCK     031162100     2324    39546 SH       DEFINED       1        39546        0        0
AMGEN INC                      COMMON STOCK     031162100        6      100 SH       OTHER                    100        0        0
AMSOUTH BANCORPORATION         COMMON STOCK     032165102       20     1094 SH       DEFINED       1         1094        0        0
ANADARKO PETE CORP             COMMON STOCK     032511107       99     2054 SH       DEFINED       1         1754        0      300
ANHEUSER BUSCH COS INC         COMMON STOCK     035229103      369     8810 SH       DEFINED       1         5450        0     3360
AOL TIME WARNER INC            COMMON STOCK     00184A105      631    19053 SH       DEFINED       1        18453        0      600
AOL TIME WARNER INC            COMMON STOCK     00184A105        1       18 SH       OTHER                     18        0        0
AON CORP                       COMMON STOCK     037389103       67     1600 SH       DEFINED       1         1600        0        0
APACHE CORP                    COMMON STOCK     037411105       10      225 SH       DEFINED       1          225        0        0
APPLIED MATLS INC              COMMON STOCK     038222105     1024    35995 SH       DEFINED       1        33995        0     2000
APPLIED MATLS INC              COMMON STOCK     038222105       19      660 SH       OTHER                    660        0        0
APTARGROUP INC                 COMMON STOCK     038336103       25      800 SH       DEFINED       1            0        0      800
ARCHSTONE CMNTYS TR SH BEN INT COMMON STOCK     039581103       99     3800 SH       DEFINED       1            0        0     3800
ARIBA, INC                     COMMON STOCK     04033V104        0      120 SH       DEFINED       1            0        0      120
AT & T WIRELESS SVCS INC       COMMON STOCK     00209A106      396    26515 SH       DEFINED       1        26370        0      145
AT & T WIRELESS SVCS INC       COMMON STOCK     00209A106        6      403 SH       OTHER                    403        0        0
AT HOME CORP                   COMMON STOCK     045919107        0      100 SH       DEFINED       1          100        0        0
AUTOMATIC DATA PROCESSING INC  COMMON STOCK     053015103      151     3202 SH       DEFINED       1          302        0     2900
AVAYA INC                      COMMON STOCK     053499109        0       17 SH       DEFINED       1           17        0        0
AVNET INC                      COMMON STOCK     053807103       18     1000 SH       DEFINED       1         1000        0        0
AVON PRODS INC                 COMMON STOCK     054303102     1261    27275 SH       DEFINED       1        27275        0        0
AVON PRODS INC                 COMMON STOCK     054303102        4       85 SH       OTHER                     85        0        0
AWARE, INC.                    COMMON STOCK     05453N100        3      700 SH       DEFINED       1          700        0        0
BAKER HUGHES INC               COMMON STOCK     057224107      313    10800 SH       DEFINED       1            0        0    10800
BALLARD PWR SYS INC            COMMON STOCK     05858H104        1       50 SH       DEFINED       1           50        0        0
BANK OF AMERICA CORP           COMMON STOCK     060505104      692    11847 SH       DEFINED       1         6847        0     5000
BANK ONE CORP                  COMMON STOCK     06423A103      123     3907 SH       DEFINED       1         3907        0        0
BELLSOUTH CORP                 COMMON STOCK     079860102      143     3444 SH       DEFINED       1         3444        0        0
BERKSHIRE HATHAWAY INC CL A    COMMON STOCK     084670108       70        1 SH       DEFINED       1            1        0        0
BERKSHIRE HATHAWAY INC CL B    COMMON STOCK     084670207       40       17 SH       DEFINED       1            7        0       10
BETHLEHEM STL CORP             COMMON STOCK     087509105        6     5000 SH       DEFINED       1         5000        0        0
BIOGEN INC                     COMMON STOCK     090597105     1603    28836 SH       DEFINED       1        28836        0        0
BIOGEN INC                     COMMON STOCK     090597105        8      145 SH       OTHER                    145        0        0
BIRMINGHAM STL CORP            COMMON STOCK     091250100       20    20000 SH       DEFINED       1            0        0    20000
BJ SVCS CO                     COMMON STOCK     055482103      285    16000 SH       DEFINED       1            0        0    16000
BJS WHSL CLUB INC              COMMON STOCK     05548J106      711    14928 SH       DEFINED       1        14928        0        0
BLACK & DECKER CORP            COMMON STOCK     091797100       13      431 SH       DEFINED       1          431        0        0
BLOCK H & R INC                COMMON STOCK     093671105      262     6800 SH       DEFINED       1            0        0     6800
BOEING CO                      COMMON STOCK     097023105      680    20301 SH       DEFINED       1        13701        0     6600
BORG WARNER AUTOMOTIVE INC     COMMON STOCK     099724106        1       17 SH       DEFINED       1           17        0        0
BRE PROPERTIES INC             COMMON STOCK     05564E106        6      200 SH       DEFINED       1          200        0        0
BRISTOL MYERS SQUIBB CO        COMMON STOCK     110122108      617    11100 SH       DEFINED       1         7800        0     3300
BRUNSWICK CORP                 COMMON STOCK     117043109       16     1000 SH       DEFINED       1         1000        0        0
BRUSH ENGINEERED MATLS INC HLD COMMON STOCK     117421107        6      400 SH       DEFINED       1          400        0        0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK     12189T104       56     2100 SH       DEFINED       1         2100        0        0
BURLINGTON RES INC             COMMON STOCK     122014103      559    16328 SH       DEFINED       1         4328        0    12000
CALIFORNIA AMPLIFIER INC       COMMON STOCK     129900106        9     2200 SH       DEFINED       1         2200        0        0
CAPITAL ONE FINANCIAL          COMMON STOCK     14040H105        7      155 SH       DEFINED       1          155        0        0
CARDINAL HEALTH INC            COMMON STOCK     14149Y108     2621    35437 SH       DEFINED       1        33187        0     2250
CARDINAL HEALTH INC            COMMON STOCK     14149Y108       10      130 SH       OTHER                    130        0        0
CATALYTICA ENERGY SYS INC      COMMON STOCK     148884109        0       55 SH       DEFINED       1           55        0        0
CELL PATHWAYS, INC.            COMMON STOCK     15114R101        0       20 SH       DEFINED       1            0        0       20
CERNER CORP.                   COMMON STOCK     156782104        2       50 SH       DEFINED       1            0        0       50
CHEVRON CORP                   COMMON STOCK     166751107     2143    25286 SH       DEFINED       1        25286        0        0
CHEVRON CORP                   COMMON STOCK     166751107       14      160 SH       OTHER                    160        0        0
CHIQUITA BRANDS INTL INC       COMMON STOCK     170032106       16    20000 SH       DEFINED       1            0        0    20000
CIRRUS LOGIC INC               COMMON STOCK     172755100        1      200 SH       DEFINED       1          200        0        0
CISCO SYS INC                  COMMON STOCK     17275R102     1527   125342 SH       DEFINED       1       120167        0     5175
CISCO SYS INC                  COMMON STOCK     17275R102       13     1090 SH       OTHER                   1090        0        0
CITIGROUP INC                  COMMON STOCK     172967101      302     7459 SH       DEFINED       1         7459        0        0
CITIGROUP INC                  COMMON STOCK     172967101        4       96 SH       OTHER                     96        0        0
CITIZENS COMMUNICATIONS CO     COMMON STOCK     17453B101        3      277 SH       DEFINED       1          277        0        0
CLARCOR INC                    COMMON STOCK     179895107       14      600 SH       DEFINED       1            0        0      600
CLAYTON HOMES INC              COMMON STOCK     184190106        3      250 SH       DEFINED       1          250        0        0
CLECO CORP                     COMMON STOCK     12561W105       12      600 SH       DEFINED       1          600        0        0
CMGI INC                       COMMON STOCK     125750109        0      360 SH       DEFINED       1            0        0      360
COCA COLA CO                   COMMON STOCK     191216100      132     2818 SH       DEFINED       1          818        0     2000
COLGATE PALMOLIVE CO           COMMON STOCK     194162103       80     1375 SH       DEFINED       1          375        0     1000
COLONIAL PPTYS TR              COMMON STOCK     195872106      251     8500 SH       DEFINED       1            0        0     8500
COMERICA INC                   COMMON STOCK     200340107       36      654 SH       DEFINED       1          654        0        0
COMMERCE ONE, INC.             COMMON STOCK     200693109        0      200 SH       DEFINED       1            0        0      200
COMPAQ COMPUTER CORP           COMMON STOCK     204493100       42     5050 SH       DEFINED       1         5050        0        0
COMPAQ COMPUTER CORP           COMMON STOCK     204493100        4      500 SH       OTHER                    500        0        0
COMPUTER SCIENCES CORP         COMMON STOCK     205363104      106     3200 SH       DEFINED       1            0        0     3200
CONAGRA INC                    COMMON STOCK     205887102      135     6000 SH       DEFINED       1         6000        0        0
CONOCO INC CL B                COMMON STOCK     208251405     1856    73258 SH       DEFINED       1        69458        0     3800
CONOCO INC CL B                COMMON STOCK     208251405       10      381 SH       OTHER                    381        0        0
CONSOLIDATED EDISON INC        COMMON STOCK     209115104       74     1817 SH       DEFINED       1         1317        0      500
CORNING INC                    COMMON STOCK     219350105        1      150 SH       DEFINED       1            0        0      150
COSTCO WHSL CORP               COMMON STOCK     22160K105       20      575 SH       DEFINED       1          575        0        0
CRESCENT REAL ESTATE EQUITIES  COMMON STOCK     225756105       21     1000 SH       DEFINED       1            0        0     1000
CRYOLIFE, INC.                 COMMON STOCK     228903100        1       20 SH       DEFINED       1            0        0       20
CSX CORP                       COMMON STOCK     126408103       10      324 SH       DEFINED       1          120        0      204
CULLEN FROST BANKERS INC       COMMON STOCK     229899109       38     1400 SH       DEFINED       1            0        0     1400
CUMMINS ENGINE INC             COMMON STOCK     231021106       99     3000 SH       DEFINED       1            0        0     3000
CYBEAR GROUP                   COMMON STOCK     23243C201        0        7 SH       DEFINED       1            0        0        7
CYMER INC                      COMMON STOCK     232572107        7      416 SH       DEFINED       1          416        0        0
DANA CORP                      COMMON STOCK     235811106      156    10000 SH       DEFINED       1            0        0    10000
DARDEN RESTAURANTS INC         COMMON STOCK     237194105       14      520 SH       DEFINED       1          520        0        0
DEERE & CO                     COMMON STOCK     244199105       43     1150 SH       DEFINED       1         1150        0        0
DELL COMPUTER CORP             COMMON STOCK     247025109     2445   131970 SH       DEFINED       1       131445        0      525
DELL COMPUTER CORP             COMMON STOCK     247025109       41     2222 SH       OTHER                   2222        0        0
DELPHI AUTOMOTIVE SYS CORP     COMMON STOCK     247126105        0       24 SH       DEFINED       1           24        0        0
DELTA AIR LINES INC            COMMON STOCK     247361108       53     2000 SH       DEFINED       1            0        0     2000
DIAMOND OFFSHORE DRILLING INC  COMMON STOCK     25271C102      252    10000 SH       DEFINED       1            0        0    10000
DIEBOLD INC                    COMMON STOCK     253651103        8      200 SH       DEFINED       1          200        0        0
DILLARDS INC CL A              COMMON STOCK     254067101        3      200 SH       DEFINED       1          200        0        0
DISNEY, WALT                   COMMON STOCK     254687106       36     1950 SH       DEFINED       1          650        0     1300
DOLE FOOD INC                  COMMON STOCK     256605106      263    12300 SH       DEFINED       1            0        0    12300
DOMINION RES INC               COMMON STOCK     25746U109        6      100 SH       DEFINED       1          100        0        0
DOW CHEM CO                    COMMON STOCK     260543103       66     2019 SH       DEFINED       1         2019        0        0
DOW CHEM CO                    COMMON STOCK     260543103       15      450 SH       OTHER                    450        0        0
DQE INC                        COMMON STOCK     23329J104       21     1089 SH       OTHER                   1089        0        0
DTE ENERGY CO                  COMMON STOCK     233331107       22      500 SH       DEFINED       1          500        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109      109     2900 SH       DEFINED       1         2900        0        0
DU PONT E I DE NEMOURS & CO    COMMON STOCK     263534109       20      525 SH       OTHER                    525        0        0
DUKE ENERGY CORP               COMMON STOCK     264399106      233     6156 SH       DEFINED       1         1956        0     4200
DUN & BRADSTREET CORP          COMMON STOCK     26483E100        8      300 SH       DEFINED       1            0        0      300
DYNEGY INC NEW CL A            COMMON STOCK     26816Q101        2       60 SH       DEFINED       1           60        0        0
DYNEX CAPITAL INC              COMMON STOCK     26817Q506        1      480 SH       DEFINED       1          480        0        0
E M C CORP                     COMMON STOCK     268648102       19     1616 SH       DEFINED       1          466        0     1150
EASTMAN KODAK CO               COMMON STOCK     277461109        5      166 SH       DEFINED       1          166        0        0
EDWARDS A G INC                COMMON STOCK     281760108       26      750 SH       DEFINED       1          750        0        0
EL PASO CORP                   COMMON STOCK     28336L109      262     6294 SH       DEFINED       1         3342        0     2952
ELECTRONIC DATA SYS CORP       COMMON STOCK     285661104       26      450 SH       DEFINED       1          450        0        0
EMERSON ELEC CO                COMMON STOCK     291011104      148     3150 SH       DEFINED       1            0        0     3150
ENRON CORP                     COMMON STOCK     293561106     1093    40153 SH       DEFINED       1        40153        0        0
ENRON CORP                     COMMON STOCK     293561106        1       25 SH       OTHER                     25        0        0
ENTERGY CORPORATION            COMMON STOCK     29364G103      311     8736 SH       DEFINED       1         8736        0        0
ENTROPIN, INC.                 COMMON STOCK     293844106        1      600 SH       DEFINED       1          600        0        0
EOG RES INC                    COMMON STOCK     26875P101       26      900 SH       DEFINED       1            0        0      900
EQUITY OFFICE PPTYS TR         COMMON STOCK     294741103      105     3291 SH       DEFINED       1            0        0     3291
EQUITY OIL CO                  COMMON STOCK     294749106        1      297 SH       DEFINED       1            0        0      297
EQUITY RESIDENTIAL PPTYS TR SH COMMON STOCK     29476L107      531     9100 SH       DEFINED       1            0        0     9100
ETHAN ALLEN INTERIORS, INC.    COMMON STOCK     297602104       22      800 SH       DEFINED       1            0        0      800
EUROWEB INTL CORP              COMMON STOCK     298801408        0       26 SH       DEFINED       1            0        0       26
EXABYTE CORP                   COMMON STOCK     300615101        0      200 SH       DEFINED       1          200        0        0
EXELON CORP                    COMMON STOCK     30161N101       81     1820 SH       DEFINED       1         1820        0        0
EXXON MOBIL CORP               COMMON STOCK     30231G102     2737    69461 SH       DEFINED       1        68661        0      800
EXXON MOBIL CORP               COMMON STOCK     30231G102       80     2026 SH       OTHER                   2026        0        0
FEDERAL HOME LN MTG CORP       COMMON STOCK     313400301     1124    17286 SH       DEFINED       1        17286        0        0
FEDERAL HOME LN MTG CORP       COMMON STOCK     313400301        6       87 SH       OTHER                     87        0        0
FEDERAL NATL MTG AS            COMMON STOCK     313586109     1846    23053 SH       DEFINED       1        23053        0        0
FEDERAL NATL MTG AS            COMMON STOCK     313586109        8      100 SH       OTHER                    100        0        0
FEDERAL SIGNAL CORP            COMMON STOCK     313855108        9      530 SH       DEFINED       1          530        0        0
FIRST DATA CORP                COMMON STOCK     319963104       55      937 SH       DEFINED       1          437        0      500
FIRST INDL RLTY TR INC         COMMON STOCK     32054K103       99     3300 SH       DEFINED       1            0        0     3300
FIRSTENERGY CORP               COMMON STOCK     337932107        5      129 SH       DEFINED       1          129        0        0
FLEETBOSTON FINL CORP          COMMON STOCK     339030108      121     3300 SH       DEFINED       1            0        0     3300
FLEXTRONICS INTL LTD           COMMON STOCK     Y2573F102       56     3400 SH       DEFINED       1            0        0     3400
FORD MTR CO                    COMMON STOCK     345370860      458    26377 SH       DEFINED       1         4147        0    22230
FORTUNE BRANDS INC             COMMON STOCK     349631101       19      582 SH       DEFINED       1          582        0        0
FPL GROUP INC                  COMMON STOCK     302571104       44      825 SH       DEFINED       1          825        0        0
GANNETT COMPANY INC            COMMON STOCK     364730101        8      139 SH       DEFINED       1          139        0        0
GANNETT COMPANY INC            COMMON STOCK     364730101       19      310 SH       OTHER                    310        0        0
GAP INC                        COMMON STOCK     364760108       59     4964 SH       DEFINED       1         4964        0        0
GARDNER DENVER MACHY INC       COMMON STOCK     365558105        7      300 SH       DEFINED       1          300        0        0
GENERAL DYNAMICS CORP          COMMON STOCK     369550108     1779    20140 SH       DEFINED       1        20140        0        0
GENERAL DYNAMICS CORP          COMMON STOCK     369550108       36      410 SH       OTHER                    410        0        0
GENERAL ELEC CO                COMMON STOCK     369604103     2327    62555 SH       DEFINED       1        55255        0     7300
GENERAL ELEC CO                COMMON STOCK     369604103       53     1438 SH       OTHER                   1438        0        0
GENERAL MILLS, INC             COMMON STOCK     370334104      189     4160 SH       DEFINED       1         4160        0        0
GENERAL MTRS CORP              COMMON STOCK     370442105       33      773 SH       DEFINED       1          773        0        0
GENERAL MTRS CORP CL H         COMMON STOCK     370442832       19     1440 SH       DEFINED       1         1440        0        0
GENUINE PARTS CO               COMMON STOCK     372460105       20      618 SH       DEFINED       1          168        0      450
GENZYME TRANSGENICS CORP       COMMON STOCK     37246E105        2      400 SH       DEFINED       1            0        0      400
GERON CORP                     COMMON STOCK     374163103       19     2000 SH       DEFINED       1         2000        0        0
GILLETTE CO                    COMMON STOCK     375766102       43     1456 SH       DEFINED       1            0        0     1456
GPU, INC.                      COMMON STOCK     36225X100       12      300 SH       DEFINED       1          300        0        0
GREAT LAKES CHEM CORP          COMMON STOCK     390568103        2      100 SH       DEFINED       1          100        0        0
HARLAND JOHN H CO              COMMON STOCK     412693103      329    15000 SH       DEFINED       1            0        0    15000
HARTFORD FINL SVCS GROUP INC   COMMON STOCK     416515104       12      200 SH       DEFINED       1          200        0        0
HARTMARX CORP                  COMMON STOCK     417119104       25    11500 SH       DEFINED       1            0        0    11500
HASBORO, INC.                  COMMON STOCK     418056107       22     1600 SH       DEFINED       1            0        0     1600
HEWLETT PACKARD CO             COMMON STOCK     428236103       50     3120 SH       DEFINED       1         2320        0      800
HIBERNIA CORP CL A             COMMON STOCK     428656102       33     2000 SH       DEFINED       1            0        0     2000
HILLENBRAND INDS INC           COMMON STOCK     431573104      324     6000 SH       DEFINED       1            0        0     6000
HOME DEPOT INC                 COMMON STOCK     437076102      246     6416 SH       DEFINED       1         2366        0     4050
HOMESTAKE MNG CO               COMMON STOCK     437614100      501    53900 SH       DEFINED       1         2000        0    51900
HONEYWELL INTL INC             COMMON STOCK     438516106       77     2900 SH       DEFINED       1         2900        0        0
HOUSEHOLD INTL INC             COMMON STOCK     441815107      191     3391 SH       DEFINED       1         1591        0     1800
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109     1237    22859 SH       DEFINED       1        22859        0        0
ILLINOIS TOOL WKS INC          COMMON STOCK     452308109       20      368 SH       OTHER                    368        0        0
IMC GLOBAL INC                 COMMON STOCK     449669100      180    20000 SH       DEFINED       1            0        0    20000
IMMUNE RESPONSE CORP           COMMON STOCK     45252T106        0      200 SH       DEFINED       1          200        0        0
IMMUNEX CORP NEW               COMMON STOCK     452528102        4      200 SH       DEFINED       1          200        0        0
IMS HEALTH INC                 COMMON STOCK     449934108       15      600 SH       DEFINED       1            0        0      600
INTEL CORP                     COMMON STOCK     458140100     3041   148797 SH       DEFINED       1       142637        0     6160
INTEL CORP                     COMMON STOCK     458140100       34     1685 SH       OTHER                   1685        0        0
INTERMAGNETICS GEN CORP        COMMON STOCK     458771102        3      140 SH       DEFINED       1          140        0        0
INTERNATIONAL BUSINESS MACHS C COMMON STOCK     459200101      138     1500 SH       DEFINED       1          900        0      600
INTERNATIONAL PAPER CO         COMMON STOCK     460146103       50     1436 SH       DEFINED       1         1436        0        0
INTERNATIONAL REMOTE IMAGING S COMMON STOCK     460259500        2      800 SH       DEFINED       1            0        0      800
INTERNET CAPITAL GROUP, INC.   COMMON STOCK     46059C106        0      200 SH       DEFINED       1            0        0      200
INTERPUBLIC GROUP COS INC      COMMON STOCK     460690100        7      319 SH       DEFINED       1          319        0        0
INVACARE CORP                  COMMON STOCK     461203101        8      200 SH       DEFINED       1          200        0        0
J P MORGAN CHASE & CO          COMMON STOCK     46625H100     2425    71007 SH       DEFINED       1        67192        0     3815
J P MORGAN CHASE & CO          COMMON STOCK     46625H100       11      310 SH       OTHER                    310        0        0
JDS UNIPHASE CORP              COMMON STOCK     46612J101        5      860 SH       DEFINED       1           60        0      800
JEFFERSON PILOT CORP           COMMON STOCK     475070108      138     3100 SH       DEFINED       1         3100        0        0
JOHNSON & JOHNSON              COMMON STOCK     478160104     1264    22814 SH       DEFINED       1        19714        0     3100
JOHNSON & JOHNSON              COMMON STOCK     478160104       14      245 SH       OTHER                    245        0        0
JUNIPER NETWORKS INC           COMMON STOCK     48203R104        1       90 SH       DEFINED       1            0        0       90
KANSAS CITY PWR & LT CO        COMMON STOCK     485134100       47     1800 SH       DEFINED       1         1800        0        0
KERR MCGEE CORPORATION         COMMON STOCK     492386107      125     2400 SH       DEFINED       1            0        0     2400
KEYSPAN CORP                   COMMON STOCK     49337W100       93     2800 SH       DEFINED       1          200        0     2600
KIMBERLY CLARK CORP            COMMON STOCK     494368103      471     7600 SH       DEFINED       1          600        0     7000
LAWSON PRODS INC               COMMON STOCK     520776105        4      150 SH       DEFINED       1          150        0        0
LEUCADIA NATL CORP             COMMON STOCK     527288104        7      240 SH       OTHER                    240        0        0
LILLY ELI & CO                 COMMON STOCK     532457108       48      590 SH       DEFINED       1          590        0        0
LOCKHEED MARTIN CORP           COMMON STOCK     539830109      674    15400 SH       DEFINED       1            0        0    15400
LOEWS CORP                     COMMON STOCK     540424108      463    10000 SH       DEFINED       1            0        0    10000
LOWES COS INC                  COMMON STOCK     548661107     2026    64014 SH       DEFINED       1        64014        0        0
LOWES COS INC                  COMMON STOCK     548661107       24      760 SH       OTHER                    760        0        0
LSI LOGIC CORP                 COMMON STOCK     502161102        9      800 SH       DEFINED       1          800        0        0
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107       35     6032 SH       DEFINED       1         5644        0      388
LUCENT TECHNOLOGIES INC        COMMON STOCK     549463107        1      100 SH       OTHER                    100        0        0
LYONDELL CHEMICAL CO           COMMON STOCK     552078107      299    26100 SH       DEFINED       1            0        0    26100
MACK CALI REALTY CORP          COMMON STOCK     554489104       87     2800 SH       DEFINED       1            0        0     2800
MANULIFE FINL CORP             COMMON STOCK     56501R106      270    10319 SH       DEFINED       1        10319        0        0
MAYTAG CORP                    COMMON STOCK     578592107       20      800 SH       DEFINED       1          800        0        0
MBIA INC                       COMMON STOCK     55262C100      176     3525 SH       DEFINED       1          975        0     2550
MBNA CORP                      COMMON STOCK     55262L100      254     8393 SH       DEFINED       1            0        0     8393
MCDATA CORP CL A               COMMON STOCK     580031201        0        9 SH       DEFINED       1            4        0        5
MCDONALDS CORP                 COMMON STOCK     580135101      168     6195 SH       DEFINED       1         3095        0     3100
MCGRAW-HILL COS INC            COMMON STOCK     580645109       17      295 SH       DEFINED       1          295        0        0
MCKESSON HBOC INC              COMMON STOCK     58155Q103      155     4100 SH       DEFINED       1          300        0     3800
MEDTRONIC INC                  COMMON STOCK     585055106     1784    41008 SH       DEFINED       1        40808        0      200
MEDTRONIC INC                  COMMON STOCK     585055106        7      154 SH       OTHER                    154        0        0
MELLON FINL CORP               COMMON STOCK     58551A108       24      752 SH       DEFINED       1            0        0      752
MERCK & CO INC                 COMMON STOCK     589331107     1888    28348 SH       DEFINED       1        26298        0     2050
MERCK & CO INC                 COMMON STOCK     589331107        3       50 SH       OTHER                     50        0        0
MERRILL LYNCH & CO INC         COMMON STOCK     590188108       27      670 SH       DEFINED       1          670        0        0
MGIC INVT CORP                 COMMON STOCK     552848103      170     2600 SH       DEFINED       1            0        0     2600
MICROSOFT CORP                 COMMON STOCK     594918104     4962    96973 SH       DEFINED       1        88873        0     8100
MICROSOFT CORP                 COMMON STOCK     594918104       92     1800 SH       OTHER                   1800        0        0
MINNESOTA MNG & MFG CO         COMMON STOCK     604059105       25      254 SH       DEFINED       1          254        0        0
MIRANT CORP                    COMMON STOCK     604675108       21      941 SH       DEFINED       1          941        0        0
MONY GROUP INC                 COMMON STOCK     615337102        5      151 SH       DEFINED       1          151        0        0
MOODYS CORP                    COMMON STOCK     615369105       33      900 SH       DEFINED       1          300        0      600
MORGAN STANLEY DEAN WITTER & C COMMON STOCK     617446448       69     1495 SH       DEFINED       1         1495        0        0
MOTOROLA INC                   COMMON STOCK     620076109       53     3405 SH       DEFINED       1         3405        0        0
NASH FINCH CO                  COMMON STOCK     631158102       17      500 SH       DEFINED       1            0        0      500
NETSOL INTERNATIONAL, INC.     COMMON STOCK     64115A105        4    23113 SH       DEFINED       1            0        0    23113
NEW JERSEY RES CORP            COMMON STOCK     646025106       13      300 SH       DEFINED       1          300        0        0
NEW PLAN EXCEL RLTY TRUST INC  COMMON STOCK     648053106      354    20700 SH       DEFINED       1          200        0    20500
NEW VY CORP                    COMMON STOCK     649080504        0        1 SH       OTHER                      1        0        0
NEWMONT MNG CORP               COMMON STOCK     651639106      826    35000 SH       DEFINED       1         5000        0    30000
NIKE INC CL B                  COMMON STOCK     654106103       28      600 SH       DEFINED       1          600        0        0
NOBLE AFFILIATES INC           COMMON STOCK     654894104      359    11600 SH       DEFINED       1            0        0    11600
NORFOLK SOUTHERN CORP.         COMMON STOCK     655844108     2619   162448 SH       DEFINED       1       162448        0        0
NORFOLK SOUTHERN CORP.         COMMON STOCK     655844108       48     2972 SH       OTHER                   2972        0        0
NSTAR                          COMMON STOCK     67019E107       12      295 SH       DEFINED       1          295        0        0
NUCOR CORP                     COMMON STOCK     670346105       12      300 SH       DEFINED       1            0        0      300
OCCIDENTAL PETE CORP           COMMON STOCK     674599105       11      462 SH       DEFINED       1          462        0        0
ORACLE SYS CORP                COMMON STOCK     68389X105     1704   135424 SH       DEFINED       1       135424        0        0
ORACLE SYS CORP                COMMON STOCK     68389X105       25     1960 SH       OTHER                   1960        0        0
PACTIV CORP                    COMMON STOCK     695257105        1      100 SH       DEFINED       1          100        0        0
PALL CORP                      COMMON STOCK     696429307       10      500 SH       DEFINED       1            0        0      500
PARAMETRIC TECHNOLOGY CORP     COMMON STOCK     699173100        2      300 SH       DEFINED       1          300        0        0
PENNEY J C INC                 COMMON STOCK     708160106        4      200 SH       DEFINED       1          200        0        0
PEOPLES ENERGY CORP            COMMON STOCK     711030106        4      100 SH       DEFINED       1          100        0        0
PEPSICO INC                    COMMON STOCK     713448108     3956    81558 SH       DEFINED       1        81558        0        0
PEPSICO INC                    COMMON STOCK     713448108      329     6790 SH       OTHER                   6790        0        0
PETROLEUM & RES CORP           COMMON STOCK     716549100       45     2000 SH       DEFINED       1         2000        0        0
PFIZER INC                     COMMON STOCK     717081103     4761   118719 SH       DEFINED       1       113219        0     5500
PFIZER INC                     COMMON STOCK     717081103      145     3625 SH       OTHER                   3625        0        0
PHELPS DODGE CORP              COMMON STOCK     717265102      157     5714 SH       DEFINED       1            0        0     5714
PHILIP MORRIS COS INC          COMMON STOCK     718154107       87     1800 SH       DEFINED       1         1800        0        0
PHILLIPS PETE CO               COMMON STOCK     718507106      168     3111 SH       DEFINED       1          111        0     3000
PHOENIX COS INC NEW            COMMON STOCK     71902E109       39     2697 SH       DEFINED       1         2697        0        0
PIEDMONT NAT GAS INC           COMMON STOCK     720186105        8      250 SH       DEFINED       1          250        0        0
PIER 1 IMPORTS INC             COMMON STOCK     720279108        5      600 SH       DEFINED       1          600        0        0
PNC FINL SVCS GROUP INC        COMMON STOCK     693475105       80     1400 SH       DEFINED       1            0        0     1400
PRICE T ROWE GROUP INC         COMMON STOCK     74144T108        2       81 SH       DEFINED       1           81        0        0
PROCTER & GAMBLE CO            COMMON STOCK     742718109     1843    25319 SH       DEFINED       1        24969        0      350
PROCTER & GAMBLE CO            COMMON STOCK     742718109       20      275 SH       OTHER                    275        0        0
PROVIDIAN FINL CORP            COMMON STOCK     74406A102       81     4000 SH       DEFINED       1            0        0     4000
QUALCOMM INC                   COMMON STOCK     747525103       10      200 SH       DEFINED       1            0        0      200
QUESTAR CORP                   COMMON STOCK     748356102        6      320 SH       DEFINED       1            0        0      320
QWEST COMMUNICATIONS INTL INC  COMMON STOCK     749121109       12      741 SH       DEFINED       1          741        0        0
RADIOSHACK CORP                COMMON STOCK     750438103       17      700 SH       DEFINED       1            0        0      700
RAMBUS INC.                    COMMON STOCK     750917106        1      132 SH       DEFINED       1          132        0        0
RAYTHEON CO                    COMMON STOCK     755111507      740    21300 SH       DEFINED       1            0        0    21300
RED HAT INC                    COMMON STOCK     756577102        0      100 SH       DEFINED       1          100        0        0
REGIONS FINL CORP              COMMON STOCK     758940100      527    18268 SH       DEFINED       1        18268        0        0
RELIANT ENERGY INC             COMMON STOCK     75952J108      165     6250 SH       DEFINED       1         6250        0        0
RITE AID CORP                  COMMON STOCK     767754104        0       50 SH       DEFINED       1            0        0       50
RUSSELL CORP                   COMMON STOCK     782352108       34     2458 SH       DEFINED       1         2458        0        0
RYERSON TULL INC               COMMON STOCK     78375P107      109     8657 SH       DEFINED       1            0        0     8657
SARA LEE CORP                  COMMON STOCK     803111103       85     3987 SH       DEFINED       1         3987        0        0
SBC COMMUNICATIONS INC.        COMMON STOCK     78387G103     4824   102376 SH       DEFINED       1        98291        0     4085
SBC COMMUNICATIONS INC.        COMMON STOCK     78387G103       76     1605 SH       OTHER                   1605        0        0
SCANA CORP                     COMMON STOCK     80589M102        8      303 SH       DEFINED       1          303        0        0
SCHERING PLOUGH CORP           COMMON STOCK     806605101      316     8505 SH       DEFINED       1         6805        0     1700
SCHLUMBERGER LTD               COMMON STOCK     806857108     1718    37583 SH       DEFINED       1        37083        0      500
SCHLUMBERGER LTD               COMMON STOCK     806857108        5      100 SH       OTHER                    100        0        0
SEARS ROEBUCK & CO             COMMON STOCK     812387108       52     1500 SH       DEFINED       1         1500        0        0
SIEBEL SYS INC                 COMMON STOCK     826170102        7      508 SH       DEFINED       1          508        0        0
SIGMA ALDRICH CORP             COMMON STOCK     826552101       27      600 SH       DEFINED       1            0        0      600
SIMMONS 1ST NATL CORP          COMMON STOCK     828730200    10836   303369 SH       DEFINED       1        92064        0   211305
SIMMONS 1ST NATL CORP          COMMON STOCK     828730200      200     5586 SH       OTHER                   5586        0        0
SOLECTRON CORP                 COMMON STOCK     834182107      724    62135 SH       DEFINED       1        62135        0        0
SOLECTRON CORP                 COMMON STOCK     834182107        6      550 SH       OTHER                    550        0        0
SONIC CORP                     COMMON STOCK     835451105       51     1687 SH       DEFINED       1         1687        0        0
SOUTHERN CO                    COMMON STOCK     842587107       57     2369 SH       DEFINED       1         2369        0        0
SOUTHWEST AIRLS CO             COMMON STOCK     844741108       12      818 SH       DEFINED       1          818        0        0
SOUTHWESTERN ENERGY CO         COMMON STOCK     845467109        9      800 SH       DEFINED       1          800        0        0
SPRINT CORP                    COMMON STOCK     852061100       60     2500 SH       DEFINED       1            0        0     2500
SPRINT CORP PCS SER 1          COMMON STOCK     852061506        4      151 SH       DEFINED       1          151        0        0
ST PAUL COS INC                COMMON STOCK     792860108        8      200 SH       DEFINED       1          200        0        0
STAPLES INC                    COMMON STOCK     855030102      136    10203 SH       DEFINED       1        10203        0        0
STORAGE TECHNOLOGY CORP        COMMON STOCK     862111200        8      600 SH       DEFINED       1          600        0        0
SUN MICROSYSTEMS INC           COMMON STOCK     866810104     1858   224714 SH       DEFINED       1       223914        0      800
SUN MICROSYSTEMS INC           COMMON STOCK     866810104       20     2385 SH       OTHER                   2385        0        0
SUNGARD DATA SYS INC           COMMON STOCK     867363103      175     7500 SH       DEFINED       1            0        0     7500
SUNTRUST BKS INC               COMMON STOCK     867914103       55      828 SH       DEFINED       1          828        0        0
SYNAGRO TECHNOLOGIES INC       COMMON STOCK     871562203       24    12500 SH       DEFINED       1        12500        0        0
SYNAVANT INC                   COMMON STOCK     87157A105        0       50 SH       DEFINED       1           20        0       30
SYNCOR INTL CORP               COMMON STOCK     87157J106       13      400 SH       DEFINED       1          400        0        0
SYSCO CORP                     COMMON STOCK     871829107        7      280 SH       DEFINED       1          280        0        0
TALBOTS INC                    COMMON STOCK     874161102       18      800 SH       DEFINED       1          800        0        0
TARGET CORP                    COMMON STOCK     87612E106     1721    54199 SH       DEFINED       1        45399        0     8800
TARGET CORP                    COMMON STOCK     87612E106        6      175 SH       OTHER                    175        0        0
TECO ENERGY INC                COMMON STOCK     872375100      122     4500 SH       DEFINED       1            0        0     4500
TELEDYNE TECHNOLOGIES INC      COMMON STOCK     879360105        1       49 SH       DEFINED       1           49        0        0
TELLABS INC                    COMMON STOCK     879664100      176    17800 SH       DEFINED       1        17800        0        0
TEMPLE INLAND INC              COMMON STOCK     879868107      404     8500 SH       DEFINED       1          500        0     8000
TERADYNE INC                   COMMON STOCK     880770102       20     1000 SH       DEFINED       1         1000        0        0
TEXACO INC                     COMMON STOCK     881694103      204     3140 SH       DEFINED       1         1340        0     1800
TEXACO INC                     COMMON STOCK     881694103        5       75 SH       OTHER                     75        0        0
TEXAS INSTRUMENTS INC          COMMON STOCK     882508104       97     3875 SH       DEFINED       1         3875        0        0
TOMMY HILFIGER CORP            COMMON STOCK     G8915Z102       17     1900 SH       DEFINED       1         1900        0        0
TRANSOCEAN SEDCO FOREX INC     COMMON STOCK     G90078109      426    16139 SH       DEFINED       1         9139        0     7000
TRICON GLOBAL RESTAURANTS INC  COMMON STOCK     895953107       29      729 SH       OTHER                    729        0        0
TRW INC                        COMMON STOCK     872649108      239     8000 SH       DEFINED       1            0        0     8000
TYCO INTL LTD                  COMMON STOCK     902124106     4043    88863 SH       DEFINED       1        87263        0     1600
TYCO INTL LTD                  COMMON STOCK     902124106       61     1330 SH       OTHER                   1330        0        0
TYSON FOODS INC CL A           COMMON STOCK     902494103      170    17007 SH       DEFINED       1        17007        0        0
UNION PAC CORP                 COMMON STOCK     907818108      191     4076 SH       DEFINED       1         4076        0        0
UNITED PARCEL SERVICE INC CL B COMMON STOCK     911312106       26      500 SH       DEFINED       1            0        0      500
UNITED TECHNOLOGIES CORP       COMMON STOCK     913017109      200     4311 SH       DEFINED       1          311        0     4000
UNITEDHEALTH GROUP INC         COMMON STOCK     91324P102      120     1800 SH       DEFINED       1         1800        0        0
UNITEDHEALTH GROUP INC         COMMON STOCK     91324P102       13      200 SH       OTHER                    200        0        0
UNITRIN INC                    COMMON STOCK     913275103       28      720 SH       DEFINED       1          720        0        0
UNOCAL CORP                    COMMON STOCK     915289102      137     4200 SH       DEFINED       1          400        0     3800
US BANCORP                     COMMON STOCK     902973304       89     4024 SH       DEFINED       1         4024        0        0
UTILICORP UTD INC              COMMON STOCK     918005109        4      150 SH       DEFINED       1          150        0        0
VECTOR GROUP LTD.              COMMON STOCK     92240M108       13      300 SH       DEFINED       1            0        0      300
VERITAS SOFTWARE CORP          COMMON STOCK     923436109        3      178 SH       DEFINED       1          178        0        0
VERIZON COMMUNICATIONS         COMMON STOCK     92343V104      528     9751 SH       DEFINED       1         4145        0     5606
VIACOM INC CL B                COMMON STOCK     925524308       69     2009 SH       DEFINED       1          924        0     1085
VIACOM INC CL B                COMMON STOCK     925524308      110     3200 SH       OTHER                   3200        0        0
VISTEON CORP                   COMMON STOCK     92839U107        4      310 SH       DEFINED       1          310        0        0
VULCAN MATLS CO                COMMON STOCK     929160109      257     5940 SH       DEFINED       1         5940        0        0
WACHOVIA CORP                  COMMON STOCK     929903102      157     5050 SH       DEFINED       1          250        0     4800
WAL MART STORES INC            COMMON STOCK     931142103     4816    97293 SH       DEFINED       1        95793        0     1500
WAL MART STORES INC            COMMON STOCK     931142103      451     9111 SH       OTHER                   9111        0        0
WASHINGTON POST CO CL B        COMMON STOCK     939640108       26       50 SH       DEFINED       1            0        0       50
WASTE MGMT INC                 COMMON STOCK     94106L109        6      218 SH       DEFINED       1            0        0      218
WATER PIK TECHNOLOGIES INC     COMMON STOCK     94113U100        0       17 SH       DEFINED       1           17        0        0
WEBMD CORP                     COMMON STOCK     94769M105        0       50 SH       DEFINED       1            0        0       50
WELLPOINT HEALTH NETWORKS INC  COMMON STOCK     94973H108      207     1900 SH       DEFINED       1            0        0     1900
WELLS FARGO & CO               COMMON STOCK     949746101       40      900 SH       DEFINED       1            0        0      900
WEYERHAEUSER CO                COMMON STOCK     962166104      502    10300 SH       DEFINED       1          300        0    10000
WILLAMETTE INDS INC            COMMON STOCK     969133107        9      200 SH       DEFINED       1          200        0        0
WILLIAMS COS INC               COMMON STOCK     969457100       90     3283 SH       DEFINED       1            0        0     3283
WINN DIXIE STORES INC          COMMON STOCK     974280109       15     1332 SH       DEFINED       1         1332        0        0
WISCONSIN ENERGY CORP          COMMON STOCK     976657106       21      950 SH       DEFINED       1          950        0        0
WORLDCOM INC                   COMMON STOCK     98157D106     1852   123117 SH       DEFINED       1       122647        0      470
WORLDCOM INC                   COMMON STOCK     98157D106       19     1265 SH       OTHER                   1265        0        0
WORLDCOM INC MCI GROUP         COMMON STOCK     98157D304        2      142 SH       DEFINED       1          136        0        6
WRIGLEY WM JR CO               COMMON STOCK     982526105       74     1440 SH       DEFINED       1         1440        0        0
XCEL ENERGY INC                COMMON STOCK     98389B100      196     6972 SH       DEFINED       1         3772        0     3200
XEROX CORP                     COMMON STOCK     984121103        3      408 SH       DEFINED       1          408        0        0
XILINX INC                     COMMON STOCK     983919101       10      440 SH       DEFINED       1          440        0        0
ZIMMER HLDGS INC               COMMON STOCK     98956P102       22      780 SH       DEFINED       1          780        0        0
AXA-SPONSORED ADR              COMMON STOCK     054536107        0        4 SH       DEFINED       1            4        0        0
BP AMOCO P L C SPONSORED ADR   COMMON STOCK     055622104      534    10857 SH       DEFINED       1         4751        0     6106
BP AMOCO P L C SPONSORED ADR   COMMON STOCK     055622104       32      658 SH       OTHER                    658        0        0
COTT CORP                      COMMON STOCK     22163N106       14      900 SH       DEFINED       1          900        0        0
GALLAHER GROUP PLC SPONSORED A COMMON STOCK     363595109       25      930 SH       DEFINED       1          930        0        0
GLAXO SMITHKLINE SPON PLC      COMMON STOCK     37733W105       88     1568 SH       DEFINED       1         1568        0        0
NOKIA CORP SPONSORED ADR       COMMON STOCK     654902204       20     1271 SH       DEFINED       1         1271        0        0
NORTEL NETWORKS CORP           COMMON STOCK     656568102        8     1496 SH       DEFINED       1         1496        0        0
PHARMACIA CORP                 COMMON STOCK     71713U102       15      360 SH       DEFINED       1          360        0        0
ROYAL BK CDA MONTREAL QUE      COMMON STOCK     780087102       19      624 SH       DEFINED       1          624        0        0
ROYAL DUTCH PETE CO            COMMON STOCK     780257804      286     5700 SH       DEFINED       1         3000        0     2700
TEEKAY SHIPPING                COMMON STOCK     Y8564W103      468    15000 SH       DEFINED       1            0        0    15000
TEVA PHARMACEUTICAL INDS LTD A COMMON STOCK     881624209       24      400 SH       DEFINED       1            0        0      400
TOWER SEMICONDUCTOR LTD ORD    COMMON STOCK     M87915100        2      300 SH       DEFINED       1          300        0        0
VODAFONE GROUP PLC SPON ADR    COMMON STOCK     92857W100        4      200 SH       DEFINED       1          200        0        0
</TABLE>