UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 9/30/02
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Check here if Amendment [ ]; Amendment Number:
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This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: PEAPACK GLADSTONE FINANCIAL CORPORATION
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Address: 158 ROUTE 206 NORTH
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GLADSTONE, NJ 07934
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Form 13F File Number: 28-
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The Institutional Investment Manager filing this report and the person by whom
it is signed 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: ROY C. MILLER
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Title: VICE PRESIDENT
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Phone: 908 719 3306
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Signature, Place, and Date of Signing:
/s/ Roy C. Miller Gladstone, NJ 11/7/02
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[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check if all holdings of this reporting manager are
reported in this report.)
[ ] 13F NOTICE. (Check if no holdings reported are in this report, and all
holdings are reported in this report and a portion are reported by other
reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check if a portion of the holdings for this
reporting manager are reported in this report and a portion are reported by
other reporting manager(s).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
28-
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[Repeat as necessary.]
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
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Form 13F Information Table Entry Total: 6,175,130
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Form 13F Information Table Value Total: 187,661
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(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
No. Form 13F File Number Name
01 28 -
02 28 -
03 28 -
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
DAIMLER-CHRYSLER AG ORD D1668R123 28 848 SH DEFINED 848 0 0
ACE LTD G0070K103 1 37 SH DEFINED 37 0 0
ACCENTURE LTD CLASS A G1150G111 1 100 SH DEFINED 100 0 0
COOPER INDUSTRIES LTD CLASS A G24182100 15 500 SH DEFINED 500 0 0
FOSTER WHEELER LTD G36535105 1 700 SH DEFINED 700 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 64 1875 SH SOLE 1875 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 237 6900 SH DEFINED 6650 250 0
KNIGHTSBRIDGE TANKERS G5299G106 17 1500 SH DEFINED 1500 0 0
NOBLE CORP G65422100 3 100 SH SOLE 100 0 0
NORDIC AMERN TANKER SHIPPING LTD G65773106 21 2000 SH DEFINED 2000 0 0
TRANSOCEAN INC G90078109 116 5614 SH SOLE 5614 0 0
TRANSOCEAN INC G90078109 10 521 SH DEFINED 521 0 0
EXEL LIMITED CAPITAL CLASS A G98255105 2 30 SH DEFINED 30 0 0
GILAT SATELLITE NETWORK LTD M51474100 1 2412 SH SOLE 2412 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 29 4200 SH SOLE 4200 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 141 20300 SH DEFINED 19200 0 1100
OMI CORP NEW Y6476W104 0 150 SH SOLE 150 0 0
AFLAC INCORPORATED 001055102 36 1200 SH DEFINED 1200 0 0
AGCO CORPORATION 001084102 527 22750 SH SOLE 21600 0 1150
AGCO CORPORATION 001084102 271 11700 SH DEFINED 11700 0 0
AES CORPORATION 00130H105 2 933 SH SOLE 933 0 0
AK STEEL HOLDING CORP 001547108 14 2000 SH DEFINED 2000 0 0
AOL TIME WARNER INC 00184A105 148 12700 SH SOLE 11600 0 1100
AOL TIME WARNER INC 00184A105 556 47578 SH DEFINED 45128 0 2450
A T & T CORPORATION 001957109 102 8534 SH SOLE 7300 1234 0
A T & T CORPORATION 001957109 358 29828 SH DEFINED 26748 700 2380
ATMI , INC. 00207R101 14 1000 SH SOLE 1000 0 0
AT&T WIRELESS SERVICES INC 00209A106 15 3645 SH SOLE 3248 397 0
AT&T WIRELESS SERVICES INC 00209A106 49 12074 SH DEFINED 10876 433 765
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
AASTROM BIOSCIENCES 00253U107 0 3500 SH DEFINED 3500 0 0
ABBOTT LABS COM 002824100 488 12102 SH SOLE 11427 0 675
ABBOTT LABS COM 002824100 1293 32028 SH DEFINED 29528 2500 0
ABERCROMBIE & FITCH 002896207 7 400 SH DEFINED 400 0 0
ADAMS EXPRESS COMPANY 006212104 4 446 SH DEFINED 446 0 0
ADOBE SYSTEMS INCORPORATED 00724F101 9 500 SH SOLE 500 0 0
ADVANCED MEDICAL OPTICS INC 00763M108 0 27 SH DEFINED 27 0 0
AEGON N V ORD 007924103 16 1744 SH SOLE 1744 0 0
AETNA U S HEALTHCARE INC 00817Y108 2 75 SH DEFINED 75 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 13 SH SOLE 13 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 125 SH DEFINED 77 0 48
AGERE SYSTEMS INC CLASS B 00845V209 0 400 SH SOLE 400 0 0
AGERE SYSTEMS INC CLASS B 00845V209 3 3263 SH DEFINED 2049 0 1214
AGILENT TECHNOLOGIES 00846U101 67 5158 SH DEFINED 4299 631 228
AIR PRODUCTS & CHEMICALS INC 009158106 405 9650 SH SOLE 9175 0 475
AIR PRODUCTS & CHEMICALS INC 009158106 285 6800 SH DEFINED 6800 0 0
AIRTRAN HOLDINGS INC COM 00949P108 0 100 SH DEFINED 100 0 0
ALBEMARLE CORP 012653101 20 800 SH SOLE 800 0 0
ALCOA INC COM 013817101 11 600 SH SOLE 600 0 0
ALCOA INC COM 013817101 65 3400 SH DEFINED 2400 1000 0
ALLEGHENY ENERGY INC 017361106 35 2700 SH SOLE 2700 0 0
ALLEGHENY ENERGY INC 017361106 44 3400 SH DEFINED 3400 0 0
ALLERGAN INC COM 018490102 6 125 SH DEFINED 125 0 0
ALLETE INC 018522102 8 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL MANAGEMENT HOLDING LP 01855A101 20 725 SH DEFINED 725 0 0
ALLIANCE RESOURCE PARTNERS L P 01877R108 23 1000 SH DEFINED 1000 0 0
ALLIANCE PHARMACEUTICAL CORP COM NEW 018773309 0 112 SH DEFINED 112 0 0
ALLIANT ENERGY CORP COM 018802108 20 1066 SH DEFINED 1066 0 0
ALLIED CAPITAL CORP NEW 01903Q108 57 2626 SH SOLE 2626 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 3 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 2 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 63 1800 SH SOLE 1800 0 0
ALLSTATE CORP COM 020002101 42 1184 SH DEFINED 1184 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
ALLTELL CORPORATION 020039103 618 15400 SH SOLE 15400 0 0
ALLTELL CORPORATION 020039103 127 3171 SH DEFINED 3171 0 0
AMAZON COM INC COM 023135106 4 300 SH DEFINED 300 0 0
AMEREN CORP COM 023608102 79 1900 SH SOLE 1900 0 0
AMEREN CORP COM 023608102 112 2700 SH DEFINED 2700 0 0
AMERICA MOVIL ADS 02364W105 4 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 40 1420 SH SOLE 1420 0 0
AMERICAN ELEC PWR INC COM 025537101 280 9854 SH DEFINED 9854 0 0
AMERICAN EXPRESS CO COM 025816109 190 6100 SH SOLE 5800 300 0
AMERICAN EXPRESS CO COM 025816109 585 18775 SH DEFINED 18775 0 0
AMERICAN INTERNATIONAL GROUP 026874107 809 14802 SH SOLE 14477 0 325
AMERICAN INTERNATIONAL GROUP 026874107 2083 38087 SH DEFINED 34862 2850 375
AMERICAN STANDARD COMPANIES INC 029712106 31 500 SH DEFINED 500 0 0
AMERICAN TOWER CORP CLASS A 029912201 0 100 SH DEFINED 100 0 0
AMERICAN WATER WORKS CO 030411102 44 1000 SH SOLE 1000 0 0
AMERICAN WATER WORKS CO 030411102 89 2000 SH DEFINED 2000 0 0
AMETEK INC (NEW) 031100100 93 3200 SH SOLE 3200 0 0
AMETEK INC (NEW) 031100100 8 280 SH DEFINED 280 0 0
AMGEN INC 031162100 147 3538 SH SOLE 3538 0 0
AMGEN INC 031162100 61 1470 SH DEFINED 1470 0 0
AMSOUTH BANCORPORATION 032165102 34 1687 SH DEFINED 1687 0 0
ANADARKO PETE CORP COM 032511107 542 12179 SH SOLE 12179 0 0
ANADARKO PETE CORP COM 032511107 1127 25319 SH DEFINED 23935 0 1384
ANHEUSER BUSCH COS INC COM 035229103 656 12975 SH SOLE 11775 0 1200
ANHEUSER BUSCH COS INC COM 035229103 1063 21020 SH DEFINED 19895 1125 0
ANNALY MTG MANAGEMENT 035710409 27 1500 SH DEFINED 1500 0 0
ANTIGENICS INC DEL 037032109 0 89 SH DEFINED 0 0 89
AON CORP 037389103 2 125 SH DEFINED 125 0 0
APACHE CORPORATION 037411105 214 3613 SH SOLE 3613 0 0
APOLLO GROUP INC CL A 037604105 19 450 SH SOLE 450 0 0
APOLLO GROUP INC CL A 037604105 13 300 SH DEFINED 300 0 0
APPLERA CORP COM CELERA GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0
APPLIED MICRO CIRCUITS CORP 03822W109 0 100 SH SOLE 100 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
APPLIED MATERIALS INC 038222105 34 3000 SH SOLE 3000 0 0
AQUILA INC DEL NEW 03840P102 1 450 SH DEFINED 450 0 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 1 100 SH SOLE 100 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 59 1948 SH SOLE 1948 0 0
ATMEL CORPORATION 049513104 0 400 SH DEFINED 400 0 0
AURORA FOODS INC 05164B106 0 1501 SH SOLE 1501 0 0
AUTHENTIDATE HOLDING CORP 052666104 1 1000 SH SOLE 1000 0 0
AUTOMATIC DATA PROCESSING 053015103 615 17710 SH SOLE 17160 0 550
AUTOMATIC DATA PROCESSING 053015103 660 19005 SH DEFINED 17705 1300 0
AVAYA INC COM USD .01 053499109 0 333 SH SOLE 333 0 0
AVAYA INC COM USD .01 053499109 6 4642 SH DEFINED 4526 0 116
AVISTA CORP COM 05379B107 6 600 SH DEFINED 600 0 0
AVON PRODUCTS 054303102 85 1850 SH DEFINED 800 1050 0
BCE INC COM 05534B109 1 100 SH SOLE 100 0 0
BOC GROUP PLC ADR 055617609 13 500 SH DEFINED 500 0 0
BP PLC 055622104 711 17827 SH SOLE 17727 0 100
BP PLC 055622104 1524 38229 SH DEFINED 37229 1000 0
BACK YARD BURGERS INC 05635W101 6 1000 SH DEFINED 1000 0 0
BAKER HUGHES INCORPORATED COMMON 057224107 3 125 SH SOLE 125 0 0
BAKER HUGHES INCORPORATED COMMON 057224107 21 750 SH DEFINED 500 250 0
BALLARD POWER SYSTEMS INC 05858H104 5 600 SH DEFINED 600 0 0
BANK AMERICA CORP COM 060505104 255 4000 SH SOLE 4000 0 0
BANK AMERICA CORP COM 060505104 490 7687 SH DEFINED 6587 1100 0
BANK OF NEW YORK INC 064057102 525 18300 SH SOLE 18300 0 0
BANK OF NEW YORK INC 064057102 285 9948 SH DEFINED 9948 0 0
BK NOVA SCOTIA LA BANQUE DE
NOUVELLE ECOSSE 064149107 3 107 SH SOLE 107 0 0
BANC ONE CORP COM 06423A103 97 2615 SH DEFINED 2615 0 0
BARR LABS INC 068306109 18 300 SH DEFINED 300 0 0
BAUSCH & LOMB INC COM 071707103 33 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 42 1400 SH SOLE 1400 0 0
BAXTER INTERNATIONAL 071813109 30 1000 SH DEFINED 1000 0 0
BECTON DICKINSON & COMPANY 075887109 36 1300 SH DEFINED 1300 0 0
BED BATH & BEYOND 075896100 73 2250 SH DEFINED 2250 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
BELLSOUTH CORP COM 079860102 135 7364 SH SOLE 5888 1476 0
BELLSOUTH CORP COM 079860102 699 38076 SH DEFINED 37276 0 800
BEST BUY COMPANY INC 086516101 76 3450 SH SOLE 3450 0 0
BEST BUY COMPANY INC 086516101 41 1872 SH DEFINED 1872 0 0
BIOVAIL CORPORATION 09067J109 111 4500 SH SOLE 4500 0 0
BIOVAIL CORPORATION 09067J109 9 400 SH DEFINED 400 0 0
BLACK & DECKER CORP COM 091797100 26 635 SH DEFINED 435 200 0
BLACKROCK NJ MUNICIPAL INCOME TRUST 09248J101 24 1700 SH DEFINED 1700 0 0
BLOCK H & R INC COM 093671105 33 800 SH DEFINED 800 0 0
BOEING CO COM 097023105 103 3036 SH SOLE 3036 0 0
BOEING CO COM 097023105 63 1852 SH DEFINED 1852 0 0
BOSTON PROPERTIES INC. 101121101 9 250 SH SOLE 250 0 0
BOSTON SCIENTIFIC CORP. 101137107 12 400 SH DEFINED 400 0 0
BRIGGS & STRATTON CORPORATION 109043109 0 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 840 35337 SH SOLE 32687 0 2650
BRISTOL-MYERS SQUIBB 110122108 2612 109822 SH DEFINED 108322 0 1500
BROADCOM CORPORATION COM 111320107 3 300 SH DEFINED 0 0 300
BROWN FORMAN DISTILLERS CORP
CLASS 'A' VOTING 115637100 40 600 SH DEFINED 600 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 31 850 SH SOLE 850 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 99 2700 SH DEFINED 2700 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 7 310 SH SOLE 310 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 94 3949 SH DEFINED 2829 1120 0
BURLINGTON RESOURCES 122014103 42 1095 SH DEFINED 1095 0 0
CSX CORP COM 126408103 15 600 SH SOLE 600 0 0
CSX CORP COM 126408103 31 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 542 21425 SH SOLE 19275 0 2150
CVS CORP COM 126650100 768 30340 SH DEFINED 28290 2050 0
CAL DIVE INTL INC 127914109 14 700 SH DEFINED 700 0 0
CALIPER TECHNOLOGIES CORP 130876105 9 2200 SH SOLE 2200 0 0
CALPINE CORP 131347106 0 100 SH SOLE 100 0 0
CALPINE CORP 131347106 0 200 SH DEFINED 200 0 0
CAMBREX CORP 132011107 7 200 SH SOLE 200 0 0
CAMPBELL SOUP CO COM 134429109 44 2000 SH DEFINED 2000 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
CAPITAL ONE FINANCIAL 14040H105 569 16325 SH SOLE 15675 0 650
CAPITAL ONE FINANCIAL 14040H105 165 4750 SH DEFINED 4550 200 0
CARDINAL HEALTH 14149Y108 27 450 SH SOLE 450 0 0
CARDINAL HEALTH 14149Y108 15 250 SH DEFINED 250 0 0
CATELLUS DEVELOPMENT CORP 149111106 1 77 SH SOLE 77 0 0
CATERPILLAR INC 149123101 37 1000 SH SOLE 1000 0 0
CATERPILLAR INC 149123101 48 1300 SH DEFINED 1300 0 0
CELL PATHWAYS INC 15114R101 4 5900 SH DEFINED 5900 0 0
CENDANT CORPORATION 151313103 2 200 SH DEFINED 200 0 0
CEPHALON INC. 156708109 1 47 SH DEFINED 47 0 0
CERTEGY INC 156880106 6 325 SH DEFINED 325 0 0
CHARTER COMMUNICATIONS 16117M107 1 700 SH DEFINED 700 0 0
CHEVRONTEXACO CORP 166764100 640 9247 SH SOLE 7847 0 1400
CHEVRONTEXACO CORP 166764100 1003 14495 SH DEFINED 14495 0 0
CHICO'S FAS INC 168615102 6 400 SH DEFINED 400 0 0
CHINA MOBILE HONG KONG LTD ADR 16941M109 51 4600 SH DEFINED 1800 0 2800
CHORDIANT SOFTWARE INC. 170404107 0 240 SH DEFINED 240 0 0
THE CHUBB CORPORATION 171232101 828 15105 SH SOLE 13855 0 1250
THE CHUBB CORPORATION 171232101 758 13825 SH DEFINED 13825 0 0
CHURCH & DWIGHT INC COM 171340102 66 2000 SH DEFINED 2000 0 0
CIENA CORPORATION 171779101 1 600 SH DEFINED 600 0 0
CIGNA INVESTMENT SECURITIES, INC. 17179X106 36 2191 SH DEFINED 2191 0 0
CINERGY CORP 172474108 17 550 SH DEFINED 550 0 0
CIRCUIT CITY STORES 172737306 16 1000 SH SOLE 1000 0 0
CISCO SYS INC 17275R102 882 84177 SH SOLE 84177 0 0
CISCO SYS INC 17275R102 792 75599 SH DEFINED 73599 0 2000
CITIGROUP INC 172967101 1429 48235 SH SOLE 45385 400 2450
CITIGROUP INC 172967101 3485 117594 SH DEFINED 109684 4978 2932
CITRIX SYSTEMS INC 177376100 0 100 SH DEFINED 100 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 650 18725 SH SOLE 18725 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 243 7000 SH DEFINED 7000 0 0
CLOROX CO DEL COM 189054109 4 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 211 4417 SH SOLE 4417 0 0
COCA COLA CO COM 191216100 874 18243 SH DEFINED 17743 500 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
COLGATE PALMOLIVE CO COM 194162103 1477 27391 SH SOLE 27291 0 100
COLGATE PALMOLIVE CO COM 194162103 2351 43594 SH DEFINED 43594 0 0
COMERICA INC. CO 200340107 36 750 SH DEFINED 750 0 0
COMMERCE BANCORP NJ 200519106 16 400 SH DEFINED 400 0 0
CONAGRA FOODS INC COM 205887102 52 2100 SH DEFINED 1600 500 0
COMSHARE INC 205912108 0 500 SH DEFINED 500 0 0
CONEXANT SYS INC COM 207142100 1 1600 SH DEFINED 1600 0 0
CONSOLIDATED EDISON COM 209115104 58 1448 SH DEFINED 648 800 0
CONSTELLATION BRANDS INC CL A 21036P108 587 25445 SH SOLE 25245 0 200
CONSTELLATION BRANDS INC CL A 21036P108 898 38925 SH DEFINED 38625 200 100
CONSTELLATION ENERGY GROUP INC COM 210371100 7 300 SH SOLE 300 0 0
CONSTELLATION ENERGY GROUP INC COM 210371100 74 3020 SH DEFINED 3020 0 0
CONTINENTAL AIRLINES INC CL B 210795308 1 300 SH DEFINED 300 0 0
CORN PRODS INTL INC COM 219023108 17 600 SH DEFINED 600 0 0
CORNING INC 219350105 5 3220 SH SOLE 3220 0 0
CORNING INC 219350105 46 29536 SH DEFINED 28336 0 1200
CORPORATE HIGH YIELD FUND III INC 219925104 12 2000 SH DEFINED 2000 0 0
COSTCO WHOLESALE CORPORATION 22160K105 3 100 SH SOLE 100 0 0
COVANTA ENERGY INC 22281N103 0 307 SH SOLE 307 0 0
COX COMMUNICATIONS INC NEW CL A 224044107 14 604 SH DEFINED 604 0 0
CROWN CORK & SEAL CO INC 228255105 185 35375 SH SOLE 35375 0 0
CROWN CORK & SEAL CO INC 228255105 50 9700 SH DEFINED 9700 0 0
CUBIST PHARMACEUTICAL INC 229678107 1 300 SH DEFINED 300 0 0
CUMMINS ENGINE INC 231021106 47 2000 SH DEFINED 2000 0 0
CYTEC INDUSTRIES INC 232820100 1 67 SH SOLE 67 0 0
DNP SELECT INCOME FUND INC COM 23325P104 21 2160 SH DEFINED 2160 0 0
DTE ENERGY CO COM 233331107 18 454 SH DEFINED 454 0 0
DARDEN RESTAURANTS 237194105 72 3000 SH SOLE 3000 0 0
DARDEN RESTAURANTS 237194105 29 1200 SH DEFINED 1200 0 0
DATATEC SYSTEMS INC 238128102 0 500 SH DEFINED 500 0 0
DECODE GENETICS INC 243586104 1 619 SH DEFINED 619 0 0
DEERE & COMPANY 244199105 170 3755 SH DEFINED 3255 0 500
DELL COMPUTER CORP 247025109 401 17105 SH SOLE 16255 0 850
DELL COMPUTER CORP 247025109 148 6330 SH DEFINED 6330 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
DELPHI CORPORATION CORP 247126105 0 116 SH SOLE 116 0 0
DELPHI CORPORATION CORP 247126105 8 1012 SH DEFINED 1012 0 0
DELTIC TIMBER CORP 247850100 109 5000 SH DEFINED 5000 0 0
DELUXE CORP COM 248019101 4 100 SH DEFINED 100 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 4 92 SH SOLE 92 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 14 300 SH DEFINED 300 0 0
DISNEY WALT CO COM DISNEY 254687106 18 1200 SH SOLE 1200 0 0
DISNEY WALT CO COM DISNEY 254687106 186 12291 SH DEFINED 10268 2023 0
DOMINION RES INC 25746U109 27 533 SH SOLE 533 0 0
DOMINION RES INC 25746U109 330 6521 SH DEFINED 6521 0 0
DOVER CORPORATION 260003108 79 3150 SH SOLE 3150 0 0
DOW CHEM CO COM 260543103 250 9193 SH SOLE 9193 0 0
DOW CHEM CO COM 260543103 280 10290 SH DEFINED 7890 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 398 11052 SH SOLE 9852 0 1200
DU PONT E I DE NEMOURS & CO COM 263534109 852 23650 SH DEFINED 22250 0 1400
DUKE ENERGY CORP COM 264399106 213 10906 SH SOLE 10906 0 0
DUKE ENERGY CORP COM 264399106 352 18033 SH DEFINED 18033 0 0
DYAX CORPORATION 26746E103 3 1750 SH SOLE 1750 0 0
E M C CORPORATION 268648102 12 2750 SH SOLE 2750 0 0
E M C CORPORATION 268648102 34 7520 SH DEFINED 7520 0 0
EMS TECHNOLOGIES INC 26873N108 3 300 SH DEFINED 300 0 0
EOG RES INC 26875P101 89 2500 SH DEFINED 2500 0 0
E*TRADE GROUP 269246104 5 1200 SH DEFINED 1200 0 0
EASTMAN CHEMICAL COMPANY 277432100 3 87 SH SOLE 87 0 0
EASTMAN CHEMICAL COMPANY 277432100 3 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 9 351 SH SOLE 351 0 0
EASTMAN KODAK CO COM 277461109 17 650 SH DEFINED 150 0 500
EBAY INC 278642103 52 1000 SH DEFINED 0 0 1000
EDISON SCHOOLS INC 281033100 0 1800 SH DEFINED 1800 0 0
EL PASO CORPORATION 28336L109 127 15460 SH SOLE 15460 0 0
EL PASO CORPORATION 28336L109 20 2419 SH DEFINED 2419 0 0
EL PASO ENERGY PARTNERS L P COM 28368B102 13 450 SH DEFINED 450 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 4 300 SH SOLE 300 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 7 550 SH DEFINED 550 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
EMERSON ELEC CO COM 291011104 155 3550 SH SOLE 3550 0 0
EMERSON ELEC CO COM 291011104 400 9108 SH DEFINED 9108 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 21 500 SH SOLE 500 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 263 6025 SH DEFINED 6025 0 0
ENERGEN CORP COM 29265N108 30 1200 SH DEFINED 1200 0 0
ENERGY CONVERSION DEVICES INC COM 292659109 7 700 SH DEFINED 700 0 0
ENERGY EAST CORP COM 29266M109 198 10003 SH DEFINED 10003 0 0
ENGELHARD CORP COM 292845104 66 2802 SH DEFINED 2802 0 0
ENTERGY CORP NEW COM 29364G103 103 2500 SH DEFINED 2500 0 0
ENTREMED INC COM 29382F103 1 1200 SH DEFINED 900 0 300
EQUIFAX, INC. 294429105 14 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 34 1000 SH DEFINED 1000 0 0
EQUITY INCOME FUND EXCHANGE
SER.AT&T SHS 1ST 294700703 103 1776 SH DEFINED 1776 0 0
EQUITY OFFICE PPTYS TR COM 294741103 91 3562 SH DEFINED 3562 0 0
EQUITY OIL CO 294749106 2 1000 SH DEFINED 1000 0 0
EQUITY RESIDENTIAL SBI 29476L107 29 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL SBI 29476L107 4 200 SH DEFINED 200 0 0
ERICSSON L M TEL CO ADR CL B 294821400 7 21680 SH DEFINED 17280 0 4400
ETHYL CORP 297659104 1 1600 SH SOLE 1600 0 0
EXELON CORP COM 30161N101 21 462 SH DEFINED 462 0 0
EXXON MOBIL CORP COM 30231G102 2822 88514 SH SOLE 85514 0 3000
EXXON MOBIL CORP COM 30231G102 9501 297940 SH DEFINED 269098 15258 13584
FPL GROUP INC COM 302571104 207 3850 SH SOLE 3850 0 0
FPL GROUP INC COM 302571104 502 9350 SH DEFINED 9350 0 0
FEDERAL AGRICULTURE MORTGAGE CORP 313148306 9 325 SH SOLE 325 0 0
FEDERAL NATL MTG ASSN (D/B/A FANNIE MAE) COM 313586109 389 6550 SH SOLE 6550 0 0
FEDERAL NATL MTG ASSN (D/B/A FANNIE MAE) COM 313586109 300 5040 SH DEFINED 3090 1950 0
FEDERAL REALTY INVESTMENT TRUST 313747206 11 423 SH DEFINED 423 0 0
FEDERAL SIGNAL CORPORATION 313855108 23 1300 SH DEFINED 1300 0 0
FEDEX CORPORATION 31428X106 25 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 21 350 SH DEFINED 350 0 0
FINISAR CORPORATION 31787A101 0 400 SH SOLE 400 0 0
FIRST DATA CORPORATION 319963104 531 19028 SH SOLE 19028 0 0
FIRST DATA CORPORATION 319963104 36 1300 SH DEFINED 800 500 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
FIRST SENTINEL BANCORP INC. 33640T103 10 752 SH DEFINED 0 0 752
FIRST VIRGINIA BANK INC 337477103 25 675 SH SOLE 675 0 0
FIRSTENERGY CORP COM 337932107 74 2500 SH DEFINED 2500 0 0
FIVE STAR QUALITY CARE INC 33832D106 0 10 SH DEFINED 10 0 0
FLEETBOSTON FINANCIAL CORP COM 339030108 1025 50462 SH DEFINED 50362 100 0
FLOWER FOODS INC 343498101 17 750 SH DEFINED 750 0 0
FOOT LOCKER INC. 344849104 2 204 SH SOLE 204 0 0
FORD MOTOR CO DEL 345370860 19 2034 SH SOLE 2034 0 0
FORD MOTOR CO DEL 345370860 75 7740 SH DEFINED 6692 1048 0
FORTUNE BRANDS INC COM 349631101 24 528 SH SOLE 528 0 0
FORTUNE BRANDS INC COM 349631101 58 1245 SH DEFINED 1245 0 0
FRANKLIN RESOURCES INC 354613101 46 1500 SH SOLE 1500 0 0
GATX CORP COM 361448103 15 800 SH DEFINED 800 0 0
GABLES RESIDENTIAL TRUST 362418105 26 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 93 2437 SH DEFINED 2437 0 0
GAP INC 364760108 1 150 SH SOLE 150 0 0
GATEWAY INC COM 367626108 1 600 SH DEFINED 0 0 600
GENENTECH INC 368710406 44 1350 SH SOLE 1350 0 0
GENENTECH INC 368710406 305 9375 SH DEFINED 9075 0 300
GENERAL ELEC CO COM 369604103 3283 133268 SH SOLE 130468 0 2800
GENERAL ELEC CO COM 369604103 7005 284312 SH DEFINED 275812 5800 2700
GENERAL MTRS CORP COM 370442105 450 11588 SH SOLE 9838 0 1750
GENERAL MTRS CORP COM 370442105 585 15061 SH DEFINED 13811 1250 0
GENERAL MOTORS CLASS H NEW 370442832 22 2410 SH SOLE 2410 0 0
GENERAL MOTORS CLASS H NEW 370442832 134 14671 SH DEFINED 14671 0 0
GENZYME CORP BIOSURGERY DIVISION 372917708 1 670 SH DEFINED 670 0 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 10 800 SH SOLE 400 400 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 155 11893 SH DEFINED 11893 0 0
GILLETTE COMPANY 375766102 157 5333 SH SOLE 5333 0 0
GILLETTE COMPANY 375766102 144 4900 SH DEFINED 3700 1200 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 232 6062 SH SOLE 6062 0 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 200 5212 SH DEFINED 5212 0 0
GOLDMAN SACHS GROUP 38141G104 394 5975 SH SOLE 5975 0 0
GOLDMAN SACHS GROUP 38141G104 569 8625 SH DEFINED 8625 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
GUIDANT CORP COM 401698105 249 7725 SH SOLE 7725 0 0
GUIDANT CORP COM 401698105 64 2000 SH DEFINED 2000 0 0
GUILFORD PHARMACEUTICALS INC 401829106 1 300 SH DEFINED 300 0 0
HRPT PPTYS TR COMM SH BEN INT 40426W101 8 1000 SH DEFINED 1000 0 0
HALLIBURTON CO COM 406216101 10 816 SH SOLE 816 0 0
HALLIBURTON CO COM 406216101 137 10682 SH DEFINED 10682 0 0
JOHN HANCOCK INCOME
SECURITIES TRUST 410123103 4 267 SH DEFINED 267 0 0
JOHN HANCOCK PATRIOT PREMIUM DIV FD I COM 41013Q101 16 1834 SH DEFINED 1834 0 0
JOHN HANCOCK FINANCIAL
SERVICES,INC. 41014S106 37 1342 SH DEFINED 1342 0 0
HANDSPRING INC 410293104 0 200 SH SOLE 200 0 0
HARBOR FLA BANCSHARES 411901101 10 502 SH DEFINED 502 0 0
HARLEY DAVIDSON 412822108 13 300 SH SOLE 300 0 0
HARLEY DAVIDSON 412822108 195 4200 SH DEFINED 4200 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 45 1100 SH SOLE 1100 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 76 1862 SH DEFINED 1862 0 0
HEALTH CARE PPTY INVS INC COM 421915109 72 1700 SH DEFINED 1700 0 0
H.J. HEINZ COMPANY 423074103 5 150 SH SOLE 150 0 0
H.J. HEINZ COMPANY 423074103 36 1085 SH DEFINED 1085 0 0
HERSHEY FOODS CORP COM 427866108 229 3700 SH DEFINED 2500 0 1200
HEWLETT PACKARD CO COM 428236103 42 3652 SH SOLE 3652 0 0
HEWLETT PACKARD CO COM 428236103 394 33806 SH DEFINED 28699 3781 1326
HIBERNIA CORP 428656102 5 300 SH SOLE 300 0 0
HOME DEPOT, INC 437076102 898 34450 SH SOLE 31450 300 2700
HOME DEPOT, INC 437076102 1857 71188 SH DEFINED 70538 650 0
HONEYWELL INTERNATIONAL INC COM 438516106 21 996 SH SOLE 996 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 119 5508 SH DEFINED 5508 0 0
HOST MARRIOTT CORPORATION 44107P104 28 3074 SH DEFINED 3074 0 0
HOUSEHOLD INTL INC COM 441815107 3 126 SH SOLE 126 0 0
HOUSEHOLD INTL INC COM 441815107 99 3500 SH DEFINED 3500 0 0
HUDSON CITY BANCORP 443683107 35 2200 SH DEFINED 2200 0 0
HUDSON UNITED BANCORP 444165104 13 500 SH SOLE 500 0 0
HUNTINGTON BANCSHARES INC 446150104 49 2722 SH DEFINED 2722 0 0
IMS HEALTH INCORPORATED 449934108 43 2928 SH DEFINED 2928 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
ITT INDUSTRIES INC COM 450911102 42 682 SH SOLE 682 0 0
ITT INDUSTRIES INC COM 450911102 34 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 21 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 7 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 145 6000 SH DEFINED 6000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 12 214 SH DEFINED 214 0 0
IMAGISTICS INTERNATIONAL INC 45247T104 10 624 SH DEFINED 624 0 0
INDYMAC BANCORP INC 456607100 19 1000 SH DEFINED 1000 0 0
INKTOMI CORP COM 457277101 0 800 SH DEFINED 0 0 800
INNKEEPERS USA TRUST 4576J0104 15 2000 SH DEFINED 2000 0 0
INTEL CORP COM 458140100 522 37650 SH SOLE 36250 0 1400
INTEL CORP COM 458140100 894 64424 SH DEFINED 60524 2100 1800
INTERMEDIATE MUNICIPAL FUND INC 45880P104 20 2000 DEFINED 2000 0 0
INTERNATIONAL BUSINESS MACHINE CORP COM 459200101 1067 18310 SH SOLE 16910 200 1200
INTERNATIONAL BUSINESS MACHINE CORP COM 459200101 3617 62041 SH DEFINED 60141 700 1200
INTL PAPER CO COM 460146103 136 4097 SH DEFINED 4097 0 0
INTERNET HOLDERS TRUST 46059W102 1 100 SH SOLE 100 0 0
INTERPUBLIC GROUP OF COMPANIES INC 460690100 15 1000 SH DEFINED 1000 0 0
INTEVAC INC 461148108 12 3300 SH DEFINED 0 3300 0
INTUIT 461202103 4 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 23 683 SH DEFINED 683 0 0
JDN REALTY CORP 465917102 0 56 SH DEFINED 56 0 0
JDS UNIPHASE CORPORATION 46612J101 0 200 SH SOLE 200 0 0
JDS UNIPHASE CORPORATION 46612J101 0 400 SH DEFINED 400 0 0
J P MORGAN CHASE & CO 46625H100 334 17599 SH SOLE 17599 0 0
J P MORGAN CHASE & CO 46625H100 1128 59477 SH DEFINED 54587 1480 3410
JABIL CIRCUIT INC 466313103 2 150 SH SOLE 150 0 0
JABIL CIRCUIT INC 466313103 3 250 SH DEFINED 250 0 0
JEFFERSON PILOT CORPORATION 475070108 27 683 SH SOLE 683 0 0
JEFFERSON PILOT CORPORATION 475070108 41 1035 SH DEFINED 1035 0 0
JOHNSON & JOHNSON COM 478160104 2675 49476 SH SOLE 47976 0 1500
JOHNSON & JOHNSON COM 478160104 7213 133382 SH DEFINED 125782 5600 2000
JOHNSON CTLS INC COM 478366107 13 180 SH DEFINED 180 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
JUNIPER NETWORKS 48203R104 0 100 SH SOLE 100 0 0
KPMG CONSULTING INC 48265R109 1 185 SH DEFINED 185 0 0
KADANT INC 48282T104 8 627 SH DEFINED 627 0 0
KELLOGG COMPANY 487836108 52 1575 SH SOLE 1575 0 0
KERR MCGEE CORP 492386107 0 18 SH DEFINED 18 0 0
KEYSPAN CORP COM 49337W100 44 1341 SH DEFINED 1341 0 0
KEYSTONE PROPERTY TRUST MD 493596100 26 1600 SH DEFINED 1600 0 0
KIMBERLY-CLARK CORPORATION 494368103 591 10449 SH SOLE 9449 0 1000
KIMBERLY-CLARK CORPORATION 494368103 603 10650 SH DEFINED 10350 0 300
KINDER MORGAN ENERGY PARTNERS L P 494550106 223 7000 SH DEFINED 6800 0 200
KING PHARMACEUTICALS INC 495582108 3 200 SH DEFINED 200 0 0
KNIGHT-RIDDER INC 499040103 826 14650 SH SOLE 13200 0 1450
KNIGHT-RIDDER INC 499040103 692 12275 SH DEFINED 11525 750 0
KONINKLIJKE PHILIPS ELECTRS N V SP ADR 500472303 6 417 SH DEFINED 417 0 0
KRAFT FOODS INC 50075N104 3 100 SH SOLE 100 0 0
KRAMONT REALTY TRUST COM 50075Q107 11 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 6 200 SH DEFINED 200 0 0
KROGER COMPANY COM 501044101 135 9600 SH SOLE 9600 0 0
KROGER COMPANY COM 501044101 296 21000 SH DEFINED 21000 0 0
L-3 COMMUNICATIONS HLDGS INC 502424104 500 9500 SH SOLE 9500 0 0
L-3 COMMUNICATIONS HLDGS INC 502424104 137 2600 SH DEFINED 2600 0 0
LA-Z-BOY INC 505336107 48 2100 SH SOLE 2100 0 0
LA-Z-BOY INC 505336107 46 2000 SH DEFINED 2000 0 0
LEHMAN BROTHERS HOLDINGS INC 524908100 4 100 SH SOLE 100 0 0
LENDING TREE INC 52602Q105 3 250 SH SOLE 250 0 0
LENNAR CORP 526057104 55 1000 SH DEFINED 1000 0 0
LIBERTY MEDIA CORP NEW COM
SERIAL A 530718105 2 416 SH DEFINED 416 0 0
LILLY ELI & CO COM 532457108 56 1012 SH SOLE 1012 0 0
LILLY ELI & CO COM 532457108 834 15087 SH DEFINED 14237 450 400
LOCKHEED MARTIN CORP 539830109 457 7068 SH SOLE 7068 0 0
LOCKHEED MARTIN CORP 539830109 0 3 SH DEFINED 3 0 0
LOWES COMPANIES INC 548661107 285 6900 SH SOLE 6900 0 0
LOWES COMPANIES INC 548661107 121 2925 SH DEFINED 2925 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
LUBRIZOL CORP COM 549271104 33 1200 SH SOLE 1200 0 0
LUBRIZOL CORP COM 549271104 56 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 11 15058 SH SOLE 15058 0 0
LUCENT TECHNOLOGY INC 549463107 41 54327 SH DEFINED 48611 1116 4600
MBIA, INC 55262C100 289 7250 SH SOLE 6850 0 400
MBIA, INC 55262C100 19 500 SH DEFINED 500 0 0
MBNA CORPORATION 55262L100 45 2491 SH DEFINED 2491 0 0
MFS CHARTER INCOME TRUST 552727109 12 1500 SH DEFINED 1500 0 0
MFS MULTIMARKET INCOME TRUST 552737108 8 1500 SH SOLE 1500 0 0
MGI PHARMACEUTICALS 552880106 3 500 SH DEFINED 500 0 0
MACK-CALI REALTY CORP 554489104 32 1000 SH DEFINED 1000 0 0
SMITH BARNEY MANAGED MUNICIPALS
PORTFOLIO,INC. 561662107 22 2000 DEFINED 2000 0 0
MANUGISTICS GROUP 565011103 0 200 SH DEFINED 200 0 0
MARATHON OIL CORP 565849106 27 1200 SH DEFINED 1200 0 0
MARSHALL & ILSLEY CORP 571834100 422 15150 SH SOLE 14450 0 700
MARSHALL & ILSLEY CORP 571834100 314 11275 SH DEFINED 11275 0 0
MARTHA STEWART LIVING 573083102 2 400 SH DEFINED 400 0 0
MCCLATCHY COMPANY 579489105 255 4200 SH SOLE 4200 0 0
MCCLATCHY COMPANY 579489105 91 1500 SH DEFINED 1500 0 0
MCCORMICK & CO INC COMMON NON-VOTING 579780206 459 20180 SH SOLE 20180 0 0
MCCORMICK & CO INC COMMON NON-VOTING 579780206 460 20225 SH DEFINED 20225 0 0
MCDATA CORPORATION-CLASS A 580031201 0 4 SH SOLE 4 0 0
MCDATA CORPORATION-CLASS A 580031201 0 3 SH DEFINED 3 0 0
MCDONALDS CORP COM 580135101 70 4000 SH SOLE 4000 0 0
MCDONALDS CORP COM 580135101 90 5100 SH DEFINED 4100 1000 0
MCGRAW HILL COMPANIES INC 580645109 379 6200 SH SOLE 6200 0 0
MCGRAW HILL COMPANIES INC 580645109 131 2150 SH DEFINED 2150 0 0
MCKESSON CORPORATION 58155Q103 4 148 SH DEFINED 148 0 0
MEADWESTVACO CORP 583334107 11 600 SH SOLE 600 0 0
MEADWESTVACO CORP 583334107 88 4600 SH DEFINED 4600 0 0
MEDAREX INC 583916101 1 400 SH DEFINED 400 0 0
MEDTRONIC INC 585055106 29 700 SH SOLE 300 0 400
MEDTRONIC INC 585055106 199 4740 SH DEFINED 4740 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
MELLON FINANCIAL CORP COM 58551A108 25 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 15 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 1005 21994 SH SOLE 20994 0 1000
MERCK & CO INC COM 589331107 3867 84633 SH DEFINED 82283 2350 0
MERCURY INTERACTIVE CORP 589405109 5 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 42 1300 SH SOLE 1300 0 0
MERRILL LYNCH & CO INC 590188108 85 2600 SH DEFINED 2600 0 0
METLIFE INC 59156R108 68 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 1028 23525 SH SOLE 21825 0 1700
MICROSOFT CORP 594918104 1556 35584 SH DEFINED 33634 1250 700
MIDDLESEX WATER CO COM 596680108 67 3000 SH DEFINED 3000 0 0
MILLENNIUM PHARMACEUTICALS 599902103 2 296 SH DEFINED 296 0 0
MIPS TECHNOLOGIES INC 604567206 0 27 SH DEFINED 27 0 0
MIRANT CORP 604675108 9 4318 SH SOLE 4318 0 0
MIRANT CORP 604675108 11 5218 SH DEFINED 5218 0 0
ROBERT MONDAVI 609200100 3 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 2 169 SH SOLE 169 0 0
MONSANTO CO NEW 61166W101 18 1216 SH DEFINED 1097 0 119
MORGAN STANLEY DEAN WITTER & CO 617446448 56 1678 SH SOLE 1678 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 189 5584 SH DEFINED 4484 1100 0
MOTOROLA,INC 620076109 3 300 SH SOLE 300 0 0
MOTOROLA,INC 620076109 194 19106 SH DEFINED 14606 2100 2400
MUNIHOLDING NY INSD FUND INC 625931100 18 1253 SH DEFINED 1253 0 0
MUNIHOLDINGS NEW JERSEY INS D FUND INC 625936109 11 778 DEFINED 778 0 0
MUNIYIELD INSD FUND INC 62630E107 14 950 DEFINED 950 0 0
NCE PETRO FUND I TR UNIT 62885E406 7 1000 SH SOLE 1000 0 0
NCR CORP NEW 62886E108 0 25 SH SOLE 25 0 0
NCR CORP NEW 62886E108 2 145 SH DEFINED 145 0 0
NUI HOLDING CORP 629431107 10 500 SH DEFINED 500 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 4 200 SH SOLE 200 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 6 300 SH DEFINED 300 0 0
NATIONAL FUEL GAS CO N J COM 636180101 83 4192 SH DEFINED 4192 0 0
NATIONAL WESTMINSTER BANK PLC PFD 638539700 7 300 SH DEFINED 300 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
NAUTILUS GROUP INC 63910B102 19 1000 SH DEFINED 1000 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NET.BANK INC 640933107 3 300 SH DEFINED 300 0 0
NEUROGEN CORP 64124E106 8 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES CORPORATION 646025106 39 1200 SH SOLE 1200 0 0
NEW JERSEY RESOURCES CORPORATION 646025106 14 450 SH DEFINED 450 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 7 400 SH DEFINED 400 0 0
NEWMONT MINING CORP 651639106 5 186 SH SOLE 186 0 0
NISOURCE INC COM 65473P105 68 4000 SH DEFINED 4000 0 0
NOKIA CORPORATION ADR 654902204 11 850 SH SOLE 850 0 0
NOKIA CORPORATION ADR 654902204 62 4750 SH DEFINED 4150 0 600
NORAM ENERGY CORP SUB DEB CONV 6%
3/15/12 655419AC3 17 25000 PRN DEFINED 25000 0 0
NORFOLK SOUTHERN CORP COM 655844108 118 5853 SH SOLE 5853 0 0
NORFOLK SOUTHERN CORP COM 655844108 99 4906 SH DEFINED 4546 360 0
NORSK HYDRO ADR 656531605 84 2222 SH DEFINED 2222 0 0
NORTEL NETWORKS CORP NEW 656568102 0 580 SH SOLE 580 0 0
NORTEL NETWORKS CORP NEW 656568102 0 1300 SH DEFINED 300 0 1000
NORTHERN BORDER PARTNERS L P
UNIT LTD PARTN 664785102 46 1275 SH SOLE 1275 0 0
NORTHERN BORDER PARTNERS L P
UNIT LTD PARTN 664785102 158 4300 SH DEFINED 4300 0 0
NORTHERN TRUST CORP 665859104 218 5800 SH SOLE 5800 0 0
NORTHERN TRUST CORP 665859104 15 400 SH DEFINED 400 0 0
NORTHROP GRUMMAN CORP 666807102 6 50 SH SOLE 50 0 0
NORTHROP GRUMMAN CORP 666807102 49 400 SH DEFINED 400 0 0
NOVARTIS AG ADRS 66987V109 19 500 SH DEFINED 500 0 0
NOVELL INC 670006105 20 10000 SH DEFINED 10000 0 0
NSTAR COM 67019E107 33 840 SH DEFINED 840 0 0
OGE ENERGY CO. 670837103 6 400 SH DEFINED 400 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 101 6358 SOLE 6358 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 111 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY FUND INC 670984103 51 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED MUNICIPAL
INCOME FUND 670987106 26 1650 DEFINED 1650 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 14 500 SH DEFINED 500 0 0
ONEOK INC NEW COM 682680103 75 4000 SH DEFINED 4000 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
OPENWAVE SYS INC COM 683718100 0 300 SH DEFINED 300 0 0
ORACLE CORPORATION 68389X105 68 8750 SH SOLE 8750 0 0
ORACLE CORPORATION 68389X105 184 23488 SH DEFINED 19888 0 3600
PG&E CORP COM 69331C108 4 400 SH DEFINED 400 0 0
PIMCO COMMERICAL MORTGAGE SECS TR INC 693388100 59 4000 SH DEFINED 0 4000 0
PNC FINANCIAL SERVICES GROUP COM 693475105 205 4873 SH SOLE 4873 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 91 2160 SH DEFINED 2160 0 0
PPG INDS INC COM 693506107 8 200 SH SOLE 200 0 0
PPL CORP 69351T106 6 200 SH SOLE 200 0 0
PPL CORP 69351T106 52 1600 SH DEFINED 1400 200 0
PACCAR INC COM 693718108 27 825 SH DEFINED 825 0 0
PACTIV CORP COM 695257105 1 100 SH SOLE 100 0 0
PALL CORP COM 696429307 11 700 SH DEFINED 700 0 0
PALM INC 696642107 0 500 SH DEFINED 500 0 0
PARAGON TECHNOLOGIES INC 69912T108 53 6422 SH DEFINED 6422 0 0
PARK PL ENTMT CORP COM 700690100 7 1000 SH DEFINED 1000 0 0
PAYCHEX INC COM 704326107 72 3000 SH DEFINED 3000 0 0
PAYLESS SHOESOURCE,INC. 704379106 10 200 SH DEFINED 200 0 0
PEAPACK-GLADSTONE FINANCIAL CORPORATION 704699107 6792 104503 SH SOLE 102685 0 1818
PEAPACK-GLADSTONE FINANCIAL CORPORATION 704699107 18597 286123 SH DEFINED 285998 0 125
PENN VA RESOURCE PARTNERS LP 707884102 60 3000 SH DEFINED 3000 0 0
J.C.PENNEY CO., INC. 708160106 79 5000 SH DEFINED 5000 0 0
PEOPLES ENERGY CORPORATION 711030106 84 2500 SH DEFINED 2500 0 0
PEPSI BOTTLING GROUP 713409100 9 400 SH DEFINED 400 0 0
PEPSICO INC COM 713448108 183 4975 SH SOLE 4375 0 600
PEPSICO INC COM 713448108 311 8421 SH DEFINED 7671 750 0
PEREGRINE PHARMACEUTICALS INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 25 4628 SH DEFINED 4628 0 0
PFIZER INC COM 717081103 1480 51025 SH SOLE 48525 1100 1400
PFIZER INC COM 717081103 2305 79444 SH DEFINED 76344 3100 0
PHARMACIA CORP 71713U102 26 677 SH SOLE 677 0 0
PHARMACIA CORP 71713U102 268 6896 SH DEFINED 6196 0 700
PHILIP MORRIS COMPANIES 718154107 128 3300 SH SOLE 2700 0 600
PHILIP MORRIS COMPANIES 718154107 385 9950 SH DEFINED 9450 0 500
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
THE PHOENIX COMPANIES,INC. 71902E109 13 966 SH SOLE 966 0 0
PIMCO STRATEGIC GLOBAL GOVERNMENT
FUND COMMON 72200X104 37 3098 SH DEFINED 3098 0 0
PITNEY BOWES INC COM 724479100 207 6800 SH DEFINED 6800 0 0
PLUM CREEK TIMBER CO INC COM 729251108 28 1249 SH DEFINED 1249 0 0
POLYONE CORP 73179P106 64 7526 SH DEFINED 7526 0 0
POTLATCH CORP COM 737628107 86 3000 SH DEFINED 3000 0 0
PROCTER & GAMBLE CO COM 742718109 842 9425 SH SOLE 9125 0 300
PROCTER & GAMBLE CO COM 742718109 2135 23892 SH DEFINED 22442 450 1000
PROGRESS ENERGY INC COM 743263105 8 200 SH SOLE 200 0 0
PROLOGIS TRUST 743410102 24 1000 SH DEFINED 1000 0 0
PRUDENTIAL FINANCIAL INC 744320102 21 750 SH SOLE 750 0 0
PRUDENTIAL FINANCIAL INC 744320102 2 97 SH DEFINED 97 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 267 8772 SH SOLE 8772 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 514 16855 SH DEFINED 15355 1500 0
PUGET ENERGY INC NEW 745310102 10 500 SH DEFINED 500 0 0
PUTNAM HIGH YIELD MUNICIPAL TRUST 746781103 39 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 5 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 26 1000 SH DEFINED 1000 0 0
QUALCOMM INC 747525103 28 1050 SH SOLE 1050 0 0
QUALCOMM INC 747525103 37 1350 SH DEFINED 1350 0 0
QUESTAR CORP 748356102 15 700 SH DEFINED 700 0 0
QUINTILES TRANSNATIONAL CORP COM 748767100 1 179 SH DEFINED 179 0 0
QUIXOTE CORP 749056107 18 1000 SH DEFINED 1000 0 0
QWEST COMMUNICATIONS INT'L 749121109 4 1875 SH SOLE 1184 691 0
QWEST COMMUNICATIONS INT'L 749121109 19 8633 SH DEFINED 7924 0 709
RF MICRO-DEVICES 749941100 6 1000 SH DEFINED 1000 0 0
RAMTRON INTL CORP COM NEW 751907304 0 282 SH DEFINED 282 0 0
RAYONIER INC COM 754907103 1 33 SH SOLE 33 0 0
RAYTHEON CO 755111507 29 1000 SH SOLE 1000 0 0
RAYTHEON CO 755111507 192 6568 SH DEFINED 6568 0 0
READERS DIGEST ASSN. CLASS A
NON VOTING 755267101 15 1000 SH DEFINED 1000 0 0
RED HAT INC COM 756577102 0 30 SH DEFINED 30 0 0
RELIANT RES INC 75952B105 0 180 SH DEFINED 180 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
RELIANT ENERGY INC COM 75952J108 24 2100 SH DEFINED 2100 0 0
ROCKWELL INTL CORP NEW COM 773903109 32 2014 SH DEFINED 2014 0 0
ROCKWELL COLLINS INC 774341101 44 2014 SH DEFINED 2014 0 0
ROGERS COMMUNICATION INC. CL.B
NON VOTING 775109200 52 8400 SH SOLE 8400 0 0
ROYAL BANK OF SCOTLAND GROUP PLC
SER D 780097606 8 300 SH DEFINED 300 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 20 500 SH SOLE 500 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 658 16392 SH DEFINED 16392 0 0
RUBY TUESDAY INC. 781182100 12 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 468 23317 SH SOLE 20317 3000 0
SBC COMMUNICATIONS INC 78387G103 1510 75197 SH DEFINED 68697 3037 3463
SLM CORP 78442P106 353 3800 SH SOLE 3800 0 0
SLM CORP 78442P106 46 500 SH DEFINED 500 0 0
STANDARD & POORS DEPOSITORY RECEIPTS 78462F103 21 260 SH DEFINED 260 0 0
SPX CORP COM 784635104 28 279 SH DEFINED 279 0 0
SAFEWAY INC 786514208 4 200 SH DEFINED 200 0 0
THE ST. PAUL COMPANIES, INC COM 792860108 2 100 SH DEFINED 100 0 0
THE SALOMON BROTHERS FUND INC 795477108 10 1175 SH DEFINED 1175 0 0
SANCHEZ COMPUTER ASSOCIATES 799702105 0 200 SH DEFINED 200 0 0
SANMINA-SCI CORP 800907107 1 500 SH DEFINED 500 0 0
SANGSTAT MEDICAL CORP 801003104 53 2550 SH SOLE 2550 0 0
SARA LEE CORP COM 803111103 226 12400 SH SOLE 12400 0 0
SARA LEE CORP COM 803111103 13 725 SH DEFINED 725 0 0
SCANA CORP NEW 80589M102 93 3600 SH DEFINED 3600 0 0
SCANSOFT INC 80603P107 3 1000 SH DEFINED 1000 0 0
SCHERING PLOUGH CORP COM 806605101 60 2826 SH SOLE 2826 0 0
SCHERING PLOUGH CORP COM 806605101 295 13850 SH DEFINED 9300 4550 0
SCHLUMBERGER LTD COM 806857108 424 11050 SH SOLE 10550 0 500
SCHLUMBERGER LTD COM 806857108 289 7531 SH DEFINED 7431 100 0
SCHOLASTIC CORPORATION 807066105 192 4300 SH SOLE 3950 0 350
SCHOLASTIC CORPORATION 807066105 17 400 SH DEFINED 400 0 0
SCIENTIFIC-ATLANTA INC 808655104 18 1500 SH DEFINED 0 0 1500
SEA CONTAINERS LTD CLASS A COMMON 811371707 1 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 28 1710 SH DEFINED 1710 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
SEALED AIR CORP NEW PFD CONV SER A $2 81211K209 12 570 SH SOLE 570 0 0
SEALED AIR CORP NEW PFD CONV SER A $2 81211K209 40 1820 SH DEFINED 1820 0 0
SEARS ROEBUCK & CO COM 812387108 3 100 SH SOLE 100 0 0
SECTOR SPDR TR TECHNOLOGY 81369Y803 16 1400 SH SOLE 1400 0 0
SEMPRA ENERGY COM 816851109 31 1600 SH DEFINED 1600 0 0
SENIOR HSG PPTYS TR COM SH BEN INT 81721M109 22 2000 SH DEFINED 2000 0 0
SEPRACOR INC 817315104 3 640 SH SOLE 640 0 0
SHAW GROUP INC 820280105 31 2200 SH SOLE 2000 0 200
SHAW GROUP INC 820280105 158 11150 SH DEFINED 11050 0 100
SICOR INC COM 825846108 15 1000 SH DEFINED 1000 0 0
SIEBEL SYSTEMS 826170102 0 100 SH SOLE 100 0 0
SIEBEL SYSTEMS 826170102 0 100 SH DEFINED 100 0 0
SIEMENS AG SPONSORED ADR 826197501 14 425 SH SOLE 425 0 0
SIGMA-ALDRICH CORP 826552101 4 100 SH SOLE 100 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SIMTH INTERNATIONAL INC COM 832110100 14 500 SH DEFINED 500 0 0
J. M. SMUCKER CO 832696405 56 1544 SH DEFINED 1524 0 20
SOLECTRON CORP 834182107 3 1500 SH SOLE 1500 0 0
SOLECTRON CORP 834182107 0 250 SH DEFINED 250 0 0
SOLUTIA INC COM 834376105 38 7300 SH SOLE 7300 0 0
SOMERA COMMUNICATIONS 834458101 2 1000 SH DEFINED 1000 0 0
SONIC CORP 835451105 23 1000 SH SOLE 1000 0 0
SONOCO PRODUCTS 835495102 15 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH NEW EA
REPR 1 JAPANESE 835699307 24 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES,INC 838518108 5 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 59 2078 SH SOLE 2078 0 0
SOUTHERN CO COM 842587107 341 11875 SH DEFINED 11875 0 0
SPRINT CORPORATION 852061100 38 4276 SH DEFINED 4276 0 0
SPRINT CORP PCS SER 1 852061506 1 930 SH SOLE 930 0 0
SPRINT CORP PCS SER 1 852061506 3 2003 SH DEFINED 2003 0 0
STARBUCKS CORPORATION 855244109 290 14075 SH SOLE 13375 0 700
STARBUCKS CORPORATION 855244109 185 9000 SH DEFINED 9000 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 11 501 SH SOLE 501 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 19 857 SH DEFINED 857 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
STATE STREET CORP COM 857477103 92 2400 SH DEFINED 2400 0 0
STRATTEC SECURITY CORPORATION 863111100 1 20 SH SOLE 20 0 0
STURM RUGER & CO. 864159108 24 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 174 6500 SH DEFINED 500 6000 0
SUN MICROSYSTEMS INC COM 866810104 202 78350 SH SOLE 73100 0 5250
SUN MICROSYSTEMS INC COM 866810104 223 86781 SH DEFINED 85181 0 1600
SUNOCO INC 86764P109 3 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 96 3209 SH DEFINED 3209 0 0
SUNTRUST BANKS INC 867914103 18 300 SH DEFINED 300 0 0
SUPERGEN INC COM 868059106 31 18000 SH DEFINED 18000 0 0
SYNAPTIC PHARMACEUTICAL CORP 87156R109 45 9160 SH SOLE 9160 0 0
TECO ENERGY INC COM 872375100 165 10400 SH SOLE 10400 0 0
TECO ENERGY INC COM 872375100 72 4550 SH DEFINED 4350 0 200
TJX COMPANIES 872540109 34 2000 SH DEFINED 2000 0 0
TRW INC 872649108 67 1148 SH DEFINED 1148 0 0
TXU CORP 873168108 102 2450 SH DEFINED 2300 150 0
TARGET CORPORATION 87612E106 273 9250 SH SOLE 9250 0 0
TARGET CORPORATION 87612E106 676 22923 SH DEFINED 21373 1450 100
TEKTRONIX INC 879131100 82 5000 SH SOLE 5000 0 0
TELECOM CORP OF NEW ZEALAND LT SPON ADR 879278208 7 400 SH DEFINED 400 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 11 400 SH DEFINED 400 0 0
TEMPLE INLAND INC 879868107 47 1218 SH DEFINED 1218 0 0
TENET HEALTHCARE CORPORATION 88033G100 23 481 SH DEFINED 481 0 0
TERAYON COMMUNICATION 880775101 0 200 SH DEFINED 200 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 606 9050 SH SOLE 8750 0 300
TEVA PHARMACEUTICAL INDS ADR 881624209 606 9050 SH DEFINED 9050 0 0
TEXAS INSTRUMENTS 882508104 363 24597 SH SOLE 24197 0 400
TEXAS INSTRUMENTS 882508104 720 48770 SH DEFINED 44920 2850 1000
TEXTRON INC 883203101 23 700 SH DEFINED 550 150 0
THERMO ELECTRON CORP COM 883556102 36 2272 SH DEFINED 2272 0 0
THESTREET COM INC 88368Q103 0 100 SH DEFINED 100 0 0
THOMAS & BETTS CORPORATION 884315102 5 400 SH DEFINED 400 0 0
3M CO COM 88579Y101 672 6116 SH DEFINED 6116 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
TIMKEN CO 887389104 67 4000 SH DEFINED 4000 0 0
TORCHMARK CORP. 891027104 82 2400 SH DEFINED 2400 0 0
TOUCH AMERICA HOLDINGS INC. 891539108 1 2000 SH DEFINED 2000 0 0
TOYS "R" US INC 892335100 3 300 SH SOLE 300 0 0
TRANSCANADA PIPELINES LTD 893526103 2 152 SH SOLE 152 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 0 29 SH SOLE 29 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 34 2644 SH DEFINED 2521 8 115
TREDEGAR INDUSTRIES INC 894650100 4 240 SH SOLE 240 0 0
TRI-CONTINENTAL CORPORATION 895436103 9 739 SH DEFINED 739 0 0
TRIBUNE CO NEW COM 896047107 54 1297 SH DEFINED 1297 0 0
TUPPERWARE CORP COM 899896104 1 66 SH DEFINED 66 0 0
TYCO INTL LTD NEW COM 902124106 54 3900 SH SOLE 3900 0 0
TYCO INTL LTD NEW COM 902124106 59 4222 SH DEFINED 4222 0 0
UGI CORPORATION 902681105 218 6000 SH SOLE 6000 0 0
UGI CORPORATION 902681105 314 8650 SH DEFINED 8650 0 0
UST INC COM 902911106 33 1200 SH SOLE 1200 0 0
U S ENERGY SYSTEMS INC 902951102 0 1 SH DEFINED 1 0 0
US BANCORP DEL COM 902973304 4 225 SH SOLE 225 0 0
US BANCORP DEL COM 902973304 1 95 SH DEFINED 95 0 0
UNION PACIFIC CORP COM 907818108 166 2886 SH SOLE 2886 0 0
UNION PACIFIC CORP COM 907818108 255 4408 SH DEFINED 1950 0 2458
UNITED NATIONAL BANCORP NJ 910909100 127 6203 SH DEFINED 6203 0 0
UNITED PARCEL SERVICE 911312106 188 3015 SH DEFINED 3015 0 0
UNITED TECHNOLOGIES CORP COM 913017109 355 6285 SH SOLE 6285 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1025 18146 SH DEFINED 17746 300 100
UNITEDHEALTH GROUP INC 91324P102 10 121 SH DEFINED 121 0 0
UNOCAL CORP COM 915289102 9 315 SH DEFINED 65 250 0
UNUMPROVIDENT CORP COM 91529Y106 2 125 SH DEFINED 125 0 0
VALLEY NATIONAL BANCORP. 919794107 3 125 SH SOLE 125 0 0
VALLEY NATIONAL BANCORP. 919794107 97 3659 SH DEFINED 3659 0 0
VAN KAMPEN TRUST MUNICIPALS 920929106 10 600 SH SOLE 600 0 0
VERITAS DGC INC 92343P107 5 500 SH SOLE 500 0 0
VERIZON CORPORATION 92343V104 534 19498 SH SOLE 18034 1414 50
VERIZON CORPORATION 92343V104 2435 88800 SH DEFINED 82755 1425 4620
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
VERITAS SOFTWARE CORP 923436109 13 933 SH SOLE 933 0 0
VERITAS SOFTWARE CORP 923436109 64 4411 SH DEFINED 4411 0 0
VERMONT TEDDY BEAR INC 92427X109 0 50 SH SOLE 50 0 0
VIACOM INC COM CLASS A 925524100 40 1000 SH DEFINED 1000 0 0
VIACOM INC. CLASS B COMMON 925524308 65 1607 SH DEFINED 1607 0 0
VIASYS HEALTHCARE INC 92553Q209 5 331 SH DEFINED 331 0 0
VISTEON CORP 92839U107 3 330 SH DEFINED 330 0 0
VODAFONE GROUP PLC 92857W100 104 8180 SH SOLE 7180 1000 0
VODAFONE GROUP PLC 92857W100 375 29241 SH DEFINED 27241 0 2000
VORNADO REALTY TRUST 929042109 39 1000 SH DEFINED 1000 0 0
VULCAN MATERIALS COMPANY COM 929160109 43 1200 SH DEFINED 1200 0 0
WGL HOLDINGS INC 92924F106 129 5400 SH DEFINED 4400 0 1000
WACHOVIA CORP 2ND NEW COM 929903102 2497 76410 SH SOLE 76410 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1253 38347 SH DEFINED 38023 324 0
WAL-MART STORES INC 931142103 349 7100 SH SOLE 7100 0 0
WAL-MART STORES INC 931142103 673 13675 SH DEFINED 13675 0 0
WALGREEN CO 931422109 12 400 SH SOLE 400 0 0
WASHINGTON MUTUAL INC 939322103 84 2700 SH DEFINED 2700 0 0
WASHINGTON TRUST BANCORP INC 940610108 62 3163 SH DEFINED 3163 0 0
WASTE MANAGEMENT INC 94106L109 3 145 SH DEFINED 145 0 0
WELLS FARGO & CO NEW COM 949746101 117 2450 SH SOLE 2450 0 0
WELLS FARGO & CO NEW COM 949746101 432 8985 SH DEFINED 8275 0 710
WESTERN GAS RESOURCES INC 958259103 31 1000 SH DEFINED 1000 0 0
WEYERHAEUSER CO COM 962166104 16 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 43 1000 SH DEFINED 1000 0 0
WHIRLPOOL CORP COM 963320106 13 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 17 400 SH SOLE 400 0 0
WHOLE FOOD MARKET INC 966837106 12 300 SH DEFINED 300 0 0
WILLIAMS COS INC DEL COM 969457100 11 5000 SH DEFINED 5000 0 0
WILLIAMS SONOMA INC COM 969904101 113 4800 SH DEFINED 4800 0 0
WIND RIVER SYSTEMS 973149107 8 2550 SH SOLE 2550 0 0
WIND RIVER SYSTEMS 973149107 0 100 SH DEFINED 100 0 0
WISCONSIN ENERGY CORP COM 976657106 99 4089 SH DEFINED 4089 0 0
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
------------------------------------------ -------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
WORLD WRESTLING ENTERTAINMENT INC. 98156Q108 0 50 SH DEFINED 50 0 0
WORLDCOM INC GA NEW MCI GROUP COM 98157D304 0 9 SH SOLE 9 0 0
WORLDCOM INC GA NEW MCI GROUP COM 98157D304 0 100 SH DEFINED 100 0 0
WRIGLEY WM JR CO 982526105 9 200 SH SOLE 200 0 0
WYETH INC. 983024100 502 15805 SH SOLE 15805 0 0
WYETH INC. 983024100 1350 42479 SH DEFINED 42279 0 200
XM SATELLITE RADIO HOLDINGS INC 983759101 0 150 SH DEFINED 150 0 0
XCEL ENERGY INC 98389B100 0 10 SH DEFINED 10 0 0
XILINX INC 983919101 50 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 15 3100 SH DEFINED 2200 0 900
XYBERNAUT CORP 984149104 0 1000 SH SOLE 1000 0 0
YUM BRANDS INC 988498101 28 1040 SH DEFINED 1040 0 0
ZIMMER HOLDINGS GROUP 98956P102 46 1200 SH SOLE 850 0 350
ZIMMER HOLDINGS GROUP 98956P102 642 16765 SH DEFINED 16615 0 150
ZORAN CORP 98975F101 28 2600 SH SOLE 2600 0 0
ZWEIG TOTAL RETURN FD INC 989837109 10 1812 SH DEFINED 1812 0 0
GRAND TOTALS 187661 6175130 5898936 125059 151135