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

                                  FORM 13F

                             Form 13F COVER PAGE

Report for the Quarter Ended:  September 30, 2003

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:     Regions Financial Corporation
Address:  417 North 20th Street
          Birmingham, AL  35202

Form 13F File Number:  28-01129

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:     Ronald C. Jackson
Title:    Senior Vice President and Comptroller
Phone:    205/326-7090

Signature, Place, and Date of Signing:

/s/Ronald C. Jackson        Birmingham, Alabama         November 13, 2003
[Signature]                 [City, State]               [Date]

Report Type (Check only one.):

[X]13F HOLDINGS REPORT.  (Check here if all holdings of this
   reporting manager are reported in this report.)

[ ]13F NOTICE.  (Check here if no holdings reported are in this
   report, and all holdings are reported by other reporting
   manager(s).)

[ ]13F COMBINATION REPORT.  (Check here 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:  None


                           Form 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:  0

Form 13F Information Table Entry Total:  716

Form 13F Information Table Value Total:  $1,361,528(thousands)


List of Other Included Managers:  None

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.


Form 13F INFORMATION TABLE

														                
COLUMN 1			COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5 		COLUMN 6	COLUMN 8
NAME OF ISSUER			TITLE OF CLASS	CUSIP		VALUE		SHRS OR SH/ PUT/	INVESTMENT	VOTING AUTHORITY
								(THOUSANDS)	PRN AMT PRN CALL	DISCRETION   SOLE     SHARED	 NONE
XCELERA INC COM ADR		COM		G31611109	        25 	     18,036 	  SH	DEFINED	   18,036
GLOBALSANTAFE CORPORATION ADR	SHS		G3930E101	     1,559 	     65,080 	  SH	DEFINED	   62,280    2,520	     280
GLOBALSANTAFE CORPORATION ADR	SHS		G3930E101	       247 	     10,330 	  SH	OTHER	    4,100    6,230
INGERSOLL-RAND COMPANY LTD 	CL A		G4776G101	     3,458 	     64,708 	  SH	DEFINED	   64,066		     642
INGERSOLL-RAND COMPANY LTD 	CL A		G4776G101	       403 	      7,544 	  SH	OTHER	    6,705      190	     649
NABORS INDUSTRIES LTD		SHS		G6359F103	       362 	      9,706 	  SH	DEFINED	    8,205		   1,501
NABORS INDUSTRIES LTD		SHS		G6359F103	        15 	        390 	  SH	OTHER	      150      240
FLEXTRONICS INTL ADR		ORD		Y2573F102	     2,102 	    147,808 	  SH	DEFINED	  147,808
FLEXTRONICS INTL ADR		ORD		Y2573F102	       156 	     11,000 	  SH	OTHER	   11,000
ACM GOVT INCOME FD INC		COM		000912105	        61 	      7,500 	  SH	DEFINED				   7,500
ACM GOVT INCOME FD INC		COM		000912105	        25 	      3,074 	  SH	OTHER	    2,975       99
AFLAC INC			COM		001055102	     3,978 	    123,151 	  SH	DEFINED	  120,421      200	   2,530
AFLAC INC			COM		001055102	     1,402 	     43,420 	  SH	OTHER	   37,245    3,090	   3,085
AGL RES INC			COM		001204106	        11 	        400 	  SH	DEFINED	      400
AGL RES INC			COM		001204106	       413 	     14,672 	  SH	OTHER	   11,700    2,972
AOL TIME WARNER INC		COM		00184A105	       387 	     25,599 	  SH	DEFINED	   14,014		  11,585
AOL TIME WARNER INC		COM		00184A105	        94 	      6,231 	  SH	OTHER	    5,706      525
AT&T CORP			COM NEW		001957505	       337 	     15,655 	  SH	DEFINED	   10,615      861	   4,179
AT&T CORP			COM NEW		001957505	        35 	      1,642 	  SH	OTHER	      776      441	     425
AT & T WIRELESS SERVICES INC	COM		00209A106	       118 	     14,485 	  SH	DEFINED	   13,800		     685
AT & T WIRELESS SERVICES INC	COM		00209A106	        32 	      3,962 	  SH	OTHER	    3,284      678
ABBOTT LABORATORIES		COM		002824100	     6,551 	    153,950 	  SH	DEFINED	  151,270    1,430	   1,250
ABBOTT LABORATORIES		COM		002824100	     1,588 	     37,315 	  SH	OTHER	   22,795   11,320	   3,200
ABERCROMBIE & FITCH CO CLASS A	CL A		002896207	     2,181 	     78,724 	  SH	DEFINED	   76,806		   1,918
ABERCROMBIE & FITCH CO CLASS A	CL A		002896207	       206 	      7,450 	  SH	OTHER	    5,450    2,000
ABERDEEN ASIA PAC PRIME INC	COM		003009107	        63 	     11,000 	  SH	DEFINED	   11,000
ABERDEEN ASIA PAC PRIME INC	COM		003009107	       143 	     25,000 	  SH	OTHER	   25,000
AEGON N V ADR			ORD AMER REG	007924103	       306 	     26,157 	  SH	DEFINED	   26,157
AEGON N V ADR			ORD AMER REG	007924103	       274 	     23,435 	  SH	OTHER	   14,812    8,311	     312
AFFILIATED COMPUTER SVCS INC	CL A		008190100	       329 	      6,762 	  SH	DEFINED	    4,704		   2,058
AFFILIATED COMPUTER SVCS INC	CL A		008190100	        10 	        210 	  SH	OTHER				     210
AIR PRODUCTS & CHEMICALS INC	COM		009158106	       341 	      7,572 	  SH	DEFINED	    6,992		     580
AIR PRODUCTS & CHEMICALS INC	COM		009158106	        48 	      1,063 	  SH	OTHER				   1,063
AKZO NOBEL N. V. ADR		SPONSORED ADR	010199305	       264 	      8,461 	  SH	DEFINED	    8,461
ALABAMA NATL BANCORP DEL	COM		010317105	       190 	      4,000 	  SH	DEFINED	    4,000
ALABAMA NATL BANCORP DEL	COM		010317105	        24 	        500 	  SH	OTHER	      500
ALCOA INC			COM		013817101	       932 	     35,611 	  SH	DEFINED	   34,137		   1,474
ALCOA INC			COM		013817101	       232 	      8,871 	  SH	OTHER	    7,640      425	     806
ALCATEL ADR			SPONSORED ADR	013904305	       136 	     11,500 	  SH	DEFINED	   10,070		   1,430
ALFA CORP			COM		015385107	       509 	     40,316 	  SH	DEFINED	   40,316
ALFA CORP			COM		015385107	        18 	      1,396 	  SH	OTHER	    1,396
ALLSTATE CORP			COM		020002101	     2,547 	     69,728 	  SH	DEFINED	   60,374    2,748	   6,606
ALLSTATE CORP			COM		020002101	       387 	     10,592 	  SH	OTHER	    7,947    2,374	     271
ALLTEL CORP			COM		020039103	       703 	     15,166 	  SH	DEFINED	   14,621		     545
ALLTEL CORP			COM		020039103	       331 	      7,135 	  SH	OTHER	    6,635      500
ALTRIA GROUP INC		COM		02209S103	     5,525 	    126,148 	  SH	DEFINED	  119,538    3,020	   3,590
ALTRIA GROUP INC		COM		02209S103	     1,998 	     45,614 	  SH	OTHER	   33,422   11,740	     452
AMAZON COM INC			COM		023135106	       392 	      8,085 	  SH	DEFINED	    5,037		   3,048
AMERICAN ELECTRIC POWER INC	COM		025537101	       348 	     11,593 	  SH	DEFINED	   11,593
AMERICAN ELECTRIC POWER INC	COM		025537101	        11 	        377 	  SH	OTHER	      120      257
AMERICAN EXPRESS CO		COM		025816109	     5,571 	    123,643 	  SH	DEFINED	  113,410		  10,233
AMERICAN EXPRESS CO		COM		025816109	     2,169 	     48,134 	  SH	OTHER	   43,131    3,985	   1,018
AMERICAN INTL GROUP INC		COM		026874107	     9,931 	    172,114 	  SH	DEFINED	  159,867      830	  11,417
AMERICAN INTL GROUP INC		COM		026874107	     2,386 	     41,355 	  SH	OTHER	   17,212    2,858	  21,285
AMGEN INC			COM		031162100	     6,464 	    100,190 	  SH	DEFINED	   95,431    1,690	   3,069
AMGEN INC			COM		031162100	     1,178 	     18,265 	  SH	OTHER	    9,235    1,803	   7,227
AMSOUTH BANCORPORATION		COM		032165102	     9,234 	    435,145 	  SH	DEFINED	  415,284		  19,861
AMSOUTH BANCORPORATION		COM		032165102	     6,888 	    324,580 	  SH	OTHER	  222,355   13,164	  89,061
ANADARKO PETE CORP		COM		032511107	     1,256 	     30,069 	  SH	DEFINED	   29,429		     640
ANADARKO PETE CORP		COM		032511107	        74 	      1,777 	  SH	OTHER	    1,647		     130
ANHEUSER BUSCH COS INC		COM		035229103	     8,712 	    176,560 	  SH	DEFINED	  176,129		     431
ANHEUSER BUSCH COS INC		COM		035229103	       620 	     12,574 	  SH	OTHER	    9,508    2,870	     196
AON CORP			COM		037389103	     1,012 	     48,550 	  SH	DEFINED	      550		  48,000
APACHE CORP			COM		037411105	     3,258 	     46,986 	  SH	DEFINED	   44,466    1,825	     695
APACHE CORP			COM		037411105	       291 	      4,192 	  SH	OTHER	    3,180      930	      82
APPLIED MATLS INC		COM		038222105	     4,630 	    255,390 	  SH	DEFINED	  219,019		  36,371
APPLIED MATLS INC		COM		038222105	       476 	     26,240 	  SH	OTHER	   23,240    3,000
ARCHER DANIELS MIDLAND CO	COM		039483102	       448 	     34,162 	  SH	DEFINED	   32,811		   1,351
ARCHER DANIELS MIDLAND CO	COM		039483102	        42 	      3,203 	  SH	OTHER	    2,503      700
ASTRAZENECA PLC			SPONSORED ADR	046353108	       252 	      5,800 	  SH	DEFINED	    5,800
AUBURN NATIONAL BANCORPORATION	COM		050473107	       136 	      7,500 	  SH	DEFINED	    7,500
AUBURN NATIONAL BANCORPORATION	COM		050473107	       405 	     22,350 	  SH	OTHER	   22,350
AUTOMATIC DATA PROCESSING INC	COM		053015103	     1,066 	     29,736 	  SH	DEFINED	   24,231		   5,505
AUTOMATIC DATA PROCESSING INC	COM		053015103	       288 	      8,030 	  SH	OTHER	    3,830    2,200	   2,000
AVANT IMMUNOTHERAPEUTICS INC	COM		053491106	        32 	     13,459 	  SH	OTHER				  13,459
AVERY DENNISON CORP		COM		053611109	       211 	      4,169 	  SH	DEFINED	    3,759		     410
AVERY DENNISON CORP		COM		053611109	        51 	      1,000 	  SH	OTHER	    1,000
AVOCENT CORP			COM		053893103	     4,852 	    160,185 	  SH	DEFINED	  160,000		     185
AVON PRODS INC			COM		054303102	       552 	      8,544 	  SH	DEFINED	    8,521		      23
BB&T CORP			COM		054937107	       142 	      3,960 	  SH	DEFINED	    3,770		     190
BB&T CORP			COM		054937107	       916 	     25,507 	  SH	OTHER	   25,507
BP PLC ADR			SPONSORED ADR	055622104	     9,310 	    221,136 	  SH	DEFINED	  213,906      984	   6,246
BP PLC ADR			SPONSORED ADR	055622104	     3,244 	     77,062 	  SH	OTHER	   64,925    9,335	   2,802
BAKER HUGHES INC		COM		057224107	        58 	      1,955 	  SH	DEFINED	    1,955
BAKER HUGHES INC		COM		057224107	       196 	      6,623 	  SH	OTHER	      923		   5,700
BANCO BILBAO VIZCAYA S.A. ADR	SPONSORED ADR	05946K101	       117 	     11,292 	  SH	DEFINED	    9,946		   1,346
BANCO BILBAO VIZCAYA S.A. ADR	SPONSORED ADR	05946K101	         5 	        475 	  SH	OTHER				     475
BANCORPSOUTH INC		COM		059692103	        68 	      3,100 	  SH	DEFINED	    3,064		      36
BANCORPSOUTH INC		COM		059692103	       219 	     10,000 	  SH	OTHER	   10,000
BANCTRUST FINANCIAL GP		COM		05978R107	       107 	      7,094 	  SH	DEFINED	    7,094
BANCTRUST FINANCIAL GP		COM		05978R107	       188 	     12,455 	  SH	OTHER	   12,455
BANK AMER CORP			COM		060505104	    11,185 	    143,327 	  SH	DEFINED	  141,129		   2,198
BANK AMER CORP			COM		060505104	    23,891 	    306,133 	  SH	OTHER	  299,210    6,590	     333
BANK NEW YORK INC		COM		064057102	     1,220 	     41,901 	  SH	DEFINED	   39,185    2,400	     316
BANK NEW YORK INC		COM		064057102	       113 	      3,882 	  SH	OTHER	    1,200    2,580	     102
BANK ONE CORP			COM		06423A103	       306 	      7,907 	  SH	DEFINED	    7,567		     340
BANK ONE CORP			COM		06423A103	       329 	      8,500 	  SH	OTHER	    6,500    2,000
BARRICK GOLD CORP ADR		COM		067901108	     1,124 	     59,669 	  SH	DEFINED	   58,159      710	     800
BARRICK GOLD CORP ADR		COM		067901108	        74 	      3,940 	  SH	OTHER	      490    3,450
BARR LABS INC			COM		068306109	       262 	      3,836 	  SH	DEFINED	    2,013		   1,823
BARR LABS INC			COM		068306109	         9 	        137 	  SH	OTHER				     137
BAXTER INTERNATIONAL INC	COM		071813109	       577 	     19,866 	  SH	DEFINED	   19,866
BAXTER INTERNATIONAL INC	COM		071813109	       443 	     15,240 	  SH	OTHER	   13,160    2,080
BEAR STEARNS COS INC		COM		073902108	       275 	      3,673 	  SH	DEFINED	    3,605		      68
BECTON DICKINSON & CO		COM		075887109	       361 	     10,000 	  SH	DEFINED	   10,000
BECTON DICKINSON & CO		COM		075887109	        36 	      1,008 	  SH	OTHER	    1,008
BED BATH & BEYOND INC		COM		075896100	     1,342 	     35,059 	  SH	DEFINED	   33,720		   1,339
BED BATH & BEYOND INC		COM		075896100	        23 	        594 	  SH	OTHER	      150		     444
BELLSOUTH CORP			COM		079860102	     5,492 	    231,938 	  SH	DEFINED	  222,136      450	   9,352
BELLSOUTH CORP			COM		079860102	     2,546 	    107,501 	  SH	OTHER	   64,579   23,898	  19,024
BERKSHIRE HATHAWAY INC DEL CL A	CL A		084670108	     1,275 	         17 	  SH	DEFINED	       10		       7
BERKSHIRE HATHAWAY INC DEL CL A	CL A		084670108	     1,650 	         22 	  SH	OTHER	        2		      20
BERKSHIRE HATHAWAY INC DEL	CL B		084670207	     3,499 	      1,402 	  SH	DEFINED	    1,344        5	      53
BERKSHIRE HATHAWAY INC DEL	CL B		084670207	       904 	        362 	  SH	OTHER	      349       10	       3
BEST BUY INC			COM		086516101	     2,890 	     60,815 	  SH	DEFINED	   60,815
BEST BUY INC			COM		086516101	       408 	      8,580 	  SH	OTHER	    8,400      180
BIOCRYST PHARMACEUTICALS INC	COM		09058V103	        10 	      1,500 	  SH	DEFINED	    1,500
BIOCRYST PHARMACEUTICALS INC	COM		09058V103	       726 	    109,054 	  SH	OTHER	    1,000		 108,054
BLACKROCK INSD MUN TERM TR INC	COM		092474105	       276 	     25,000 	  SH	DEFINED	   25,000
BLACKROCK INSD MUN INCOME TR	COM		092479104	       266 	     19,500 	  SH	DEFINED	   19,500
BLACKROCK MUNICIPAL BOND TR	COM		09249H104	       211 	     15,000 	  SH	DEFINED	   15,000
BLOCK H & R INC			COM		093671105	       308 	      7,132 	  SH	DEFINED	    5,573		   1,559
BLOCK H & R INC			COM		093671105	       215 	      4,980 	  SH	OTHER		     4,800	     180
BLOUNT INTL INC NEW		COM		095180105	       201 	     41,851 	  SH	OTHER				  41,851
BOEING CO			COM		097023105	     5,573 	    162,347 	  SH	DEFINED	  162,282		      65
BOEING CO			COM		097023105	       254 	      7,411 	  SH	OTHER	    5,641    1,400	     370
BRISTOL MYERS SQUIBB CO		COM		110122108	     9,157 	    356,865 	  SH	DEFINED	  345,275    3,480	   8,110
BRISTOL MYERS SQUIBB CO		COM		110122108	     3,768 	    146,855 	  SH	OTHER	  114,129   31,073	   1,653
BROWN FORMAN CORP CL B		CL B		115637209	        79 	      1,000 	  SH	DEFINED	    1,000
BROWN FORMAN CORP CL B		CL B		115637209	       142 	      1,800 	  SH	OTHER		     1,800
BUCKEYE PARTNERS LP UNITS	UNIT LTD PARTN	118230101	        84 	      2,100 	  SH	DEFINED	    1,500		     600
BUCKEYE PARTNERS LP UNITS	UNIT LTD PARTN	118230101	       216 	      5,400 	  SH	OTHER	    5,400
BUCKEYE TECHNOLOGIES INC	COM		118255108	       136 	     14,980 	  SH	DEFINED	    4,900		  10,080
BURLINGTON NORTHN SANTA FE CORP	COM		12189T104	     2,801 	     97,029 	  SH	DEFINED	   95,605    1,424
BURLINGTON NORTHN SANTA FE CORP	COM		12189T104	       142 	      4,906 	  SH	OTHER	    3,400    1,425	      81
BURLINGTON RESOURCES INC	COM		122014103	     2,526 	     52,409 	  SH	DEFINED	   47,356    2,770	   2,283
BURLINGTON RESOURCES INC	COM		122014103	       464 	      9,630 	  SH	OTHER	    5,410    4,220
CIGNA CORP			COM		125509109	       910 	     20,380 	  SH	DEFINED	   20,300		      80
CIGNA CORP			COM		125509109	        98 	      2,196 	  SH	OTHER		     2,196
CSX CORP			COM		126408103	       186 	      6,358 	  SH	DEFINED	    6,358
CSX CORP			COM		126408103	        59 	      2,020 	  SH	OTHER	    1,620      400
CVS CORPORATION (DEL)		COM		126650100	     2,869 	     92,355 	  SH	DEFINED	   90,795		   1,560
CVS CORPORATION (DEL)		COM		126650100	       329 	     10,594 	  SH	OTHER	    8,262      852	   1,480
CAMPBELL SOUP CO		COM		134429109	       212 	      8,000 	  SH	DEFINED	    8,000
CAMPBELL SOUP CO		COM		134429109	       183 	      6,900 	  SH	OTHER	    6,300      600
CARDINAL HEALTH INC		COM		14149Y108	     1,364 	     23,357 	  SH	DEFINED	   20,358		   2,999
CARDINAL HEALTH INC		COM		14149Y108	       274 	      4,691 	  SH	OTHER	    3,945      566	     180
CATERPILLAR INC			COM		149123101	     1,545 	     22,450 	  SH	DEFINED	   21,850		     600
CATERPILLAR INC			COM		149123101	       521 	      7,568 	  SH	OTHER	    4,368		   3,200
CEDAR FAIR L P			DEPOSITRY UNIT	150185106	       574 	     20,500 	  SH	DEFINED	   16,000		   4,500
CENTERPOINT ENERGY INC		COM		15189T107	       114 	     12,402 	  SH	DEFINED	   12,402
CENTERPOINT ENERGY INC		COM		15189T107	        71 	      7,794 	  SH	OTHER	      400    5,675	   1,719
CENTURYTEL INC			COM		156700106	     2,934 	     86,570 	  SH	DEFINED	   15,353		  71,217
CENTURYTEL INC			COM		156700106	        27 	        800 	  SH	OTHER	      800
CHEVRON TEXACO CORP		COM		166764100	    10,636 	    148,863 	  SH	DEFINED	  136,193    5,100	   7,570
CHEVRON TEXACO CORP		COM		166764100	     3,926 	     54,943 	  SH	OTHER	   34,532   19,126	   1,285
CHUBB CORP			COM		171232101	       213 	      3,276 	  SH	DEFINED	    3,076		     200
CINERGY CORP			COM		172474108	       270 	      7,361 	  SH	DEFINED	    7,361
CINERGY CORP			COM		172474108	       435 	     11,850 	  SH	OTHER	    5,850    6,000
CISCO SYS INC			COM		17275R102	     9,716 	    495,953 	  SH	DEFINED	  477,017    3,810	  15,126
CISCO SYS INC			COM		17275R102	     1,725 	     88,044 	  SH	OTHER	   58,363   27,987	   1,694
CITIGROUP INC			COM		172967101	    12,002 	    263,726 	  SH	DEFINED	  256,464		   7,262
CITIGROUP INC			COM		172967101	     5,141 	    112,969 	  SH	OTHER	   96,843    7,105	   9,021
CLEAR CHANNEL COMMUNICATIONS	COM		184502102	     3,782 	     98,748 	  SH	DEFINED	   87,083		  11,665
CLEAR CHANNEL COMMUNICATIONS	COM		184502102	       280 	      7,310 	  SH	OTHER	    7,050      215	      45
CLOROX CO			COM		189054109	     1,775 	     38,698 	  SH	DEFINED	   35,701    1,477	   1,520
CLOROX CO			COM		189054109	       408 	      8,901 	  SH	OTHER	    5,494    3,092	     315
COACH INC			COM		189754104	       390 	      7,134 	  SH	DEFINED	    2,984		   4,150
COACH INC			COM		189754104	        26 	        476 	  SH	OTHER	      476
COCA COLA CO			COM		191216100	    35,357 	    823,030 	  SH	DEFINED	  809,890		  13,140
COCA COLA CO			COM		191216100	    28,809 	    670,609 	  SH	OTHER	  621,560   38,494	  10,555
COCA COLA ENTERPRISES INC	COM		191219104	     4,175 	    219,060 	  SH	OTHER	  219,060
COLGATE PALMOLIVE CO		COM		194162103	     2,895 	     51,806 	  SH	DEFINED	   51,381		     425
COLGATE PALMOLIVE CO		COM		194162103	    15,423 	    275,959 	  SH	OTHER	  264,778    3,300	   7,881
COLONIAL BANCGROUP INC		COM		195493309	        90 	      6,264 	  SH	DEFINED	    6,264
COLONIAL BANCGROUP INC		COM		195493309	        97 	      6,745 	  SH	OTHER	    6,745
COLONIAL PPTYS TR (REIT)	COM SH BEN INT	195872106	        56 	      1,550 	  SH	DEFINED	    1,550
COLONIAL PPTYS TR (REIT)	COM SH BEN INT	195872106	       268 	      7,425 	  SH	OTHER	    7,425
COMCAST CORP NEW CL A		CL A		20030N101	       880 	     28,567 	  SH	DEFINED	   25,742    1,393	   1,432
COMCAST CORP NEW CL A		CL A		20030N101	       367 	     11,902 	  SH	OTHER	    8,421      853	   2,628
COMCAST CORP NEW		CL A SPL	20030N200	     5,912 	    199,446 	  SH	DEFINED	  144,009		  55,437
COMCAST CORP NEW		CL A SPL	20030N200	       776 	     26,195 	  SH	OTHER	   23,550    2,645
COMPASS BANCSHARES, INC.	COM		20449H109	     2,208 	     63,625 	  SH	DEFINED	   63,625
COMPASS BANCSHARES, INC.	COM		20449H109	     4,177 	          1 	  SH	OTHER	  107,413   12,965
CONAGRA FOODS INC COM		COM		205887102	     1,266 	     59,610 	  SH	DEFINED	   57,810		   1,800
CONAGRA FOODS INC COM		COM		205887102	       612 	     28,812 	  SH	OTHER	   28,412      400
CONOCO/PHILLIPS			COM		20825C104	     3,217 	     58,764 	  SH	DEFINED	   56,784		   1,980
CONOCO/PHILLIPS			COM		20825C104	       605 	     11,043 	  SH	OTHER	   10,127      140	     776
CONSOLIDATED EDISON INC		COM		209115104	       212 	      5,211 	  SH	DEFINED	    5,211
CONSOLIDATED EDISON INC		COM		209115104	       139 	      3,400 	  SH	OTHER	    3,400
COOPER CAMERON CORP		COM		216640102	       456 	      9,859 	  SH	DEFINED	    9,859
COOPER CAMERON CORP		COM		216640102	        24 	        525 	  SH	OTHER	      100      425
COSTCO WHSL CORP		COM		22160K105	       474 	     15,205 	  SH	DEFINED	   14,880		     325
COSTCO WHSL CORP		COM		22160K105	        16 	        523 	  SH	OTHER	      333		     190
COX COMMUNICATIONS INC NEW	CL A		224044107	    26,576 	    840,478 	  SH	DEFINED	  840,382		      96
DNP SELECT INCOME FD		COM		23325P104	     1,068 	    101,010 	  SH	DEFINED	  100,210		     800
DNP SELECT INCOME FD		COM		23325P104	       278 	     26,345 	  SH	OTHER	   26,345
DTE ENERGY CO			COM		233331107	       235 	      6,363 	  SH	DEFINED	    6,053		     310
DTE ENERGY CO			COM		233331107	        27 	        725 	  SH	OTHER	      675       50
DEERE & CO			COM		244199105	       218 	      4,082 	  SH	DEFINED	    3,871		     211
DEERE & CO			COM		244199105	       130 	      2,439 	  SH	OTHER	    2,400		      39
DEL MONTE FOODS CO		COM		24522P103	       117 	     13,453 	  SH	DEFINED	   13,453
DEL MONTE FOODS CO		COM		24522P103	        26 	      2,930 	  SH	OTHER	    2,530      400
DELL INC			COM		24702R101	     6,255 	    187,177 	  SH	DEFINED	  181,157		   6,020
DELL INC			COM		24702R101	       963 	     28,820 	  SH	OTHER	   25,081    2,895	     844
DELPHI CORP			COM		247126105	       187 	     20,679 	  SH	DEFINED	   20,679
DELPHI CORP			COM		247126105	        34 	      3,738 	  SH	OTHER	    3,110      419	     209
DELTIC TIMBER CORP		COM		247850100	     1,548 	     53,528 	  SH	DEFINED	   53,528
DEUTSCHE TELEKOM AG		SPONSORED ADR	251566105	       190 	     13,126 	  SH	DEFINED	   11,936		   1,190
DEVON ENERGY CORPORATION NEW	COM		25179M103	       278 	      5,769 	  SH	DEFINED	    5,686		      83
DEVON ENERGY CORPORATION NEW	COM		25179M103	         1 	         30 	  SH	OTHER				      30
DIAL CORP NEW COM		COM		25247D101	       802 	     37,227 	  SH	DEFINED	   36,328      799	     100
DIAL CORP NEW COM		COM		25247D101	       116 	      5,366 	  SH	OTHER	    2,976    1,865	     525
DIEBOLD INC			COM		253651103	       352 	      6,945 	  SH	DEFINED	    6,945
WALT DISNEY COMPANY		COM DISNEY	254687106	     2,766 	    137,136 	  SH	DEFINED	   73,846    1,060	  62,230
WALT DISNEY COMPANY		COM DISNEY	254687106	       878 	     43,524 	  SH	OTHER	   15,152   17,082	  11,290
DOMINION RES INC VA NEW		COM		25746U109	       925 	     14,946 	  SH	DEFINED	   14,516		     430
DOMINION RES INC VA NEW		COM		25746U109	        49 	        790 	  SH	OTHER	      300      100	     390
DOVER CORP			COM		260003108	       414 	     11,691 	  SH	DEFINED	    8,271		   3,420
DOVER CORP			COM		260003108	       132 	      3,745 	  SH	OTHER	    3,041      704
DOW CHEM CO COM			COM		260543103	       879 	     26,999 	  SH	DEFINED	   26,416		     583
DOW CHEM CO COM			COM		260543103	       399 	     12,262 	  SH	OTHER	    4,658    4,750	   2,854
DREYFUS STRATEGIC MUNS INC	COM		261932107	       469 	     50,000 	  SH	DEFINED	   50,000
DREYFUS STRATEGIC MUNS INC	COM		261932107	        32 	      3,400 	  SH	OTHER	    3,400
DREYFUS STRATEGIC MUN BD FD INC	COM		26202F107	       453 	     51,548 	  SH	DEFINED	   51,548
DU PONT E I DE NEMOURS & CO	COM		263534109	     9,497 	    237,369 	  SH	DEFINED	  227,823		   9,546
DU PONT E I DE NEMOURS & CO	COM		263534109	     2,597 	     64,898 	  SH	OTHER	   48,831    5,301	  10,766
DUKE ENERGY CORP		COM		264399106	     1,577 	     88,524 	  SH	DEFINED	   70,994		  17,530
DUKE ENERGY CORP		COM		264399106	       402 	     22,579 	  SH	OTHER	   19,654    2,925
DURECT CORP			COM		266605104	       161 	     50,281 	  SH	OTHER				  50,281
E-LOAN INC			COM		26861P107	        41 	     11,167 	  SH	DEFINED	    3,034		   8,133
E M C CORP MASS			COM		268648102	       936 	     74,076 	  SH	DEFINED	   73,254		     822
E M C CORP MASS			COM		268648102	       429 	     34,002 	  SH	OTHER	   24,935    8,774	     293
E TRADE FINL CORP		COM		269246104	       215 	     23,250 	  SH	DEFINED	   23,250
E TRADE FINL CORP		COM		269246104	         4 	        450 	  SH	OTHER	      200		     250
EASTMAN CHEM CO			COM		277432100	       203 	      6,060 	  SH	DEFINED	    5,868		     192
EASTMAN CHEM CO			COM		277432100	        55 	      1,628 	  SH	OTHER	    1,268      297	      63
EATON CORP			COM		278058102	       453 	      5,117 	  SH	DEFINED	    4,262		     855
EATON CORP			COM		278058102	         8 	         95 	  SH	OTHER				      95
EATON VANCE MUNI INCOME TR FD	SH BEN INT	27826U108	       530 	     35,732 	  SH	DEFINED	   35,732
EATON VANCE INS MUN BD FD	COM		27827X101	       272 	     20,000 	  SH	DEFINED	   20,000
EBAY INC			COM		278642103	       288 	      5,374 	  SH	DEFINED	    3,445		   1,929
EBAY INC			COM		278642103	        38 	        701 	  SH	OTHER	      526		     175
EL PASO CORP			COM		28336L109	        66 	      9,005 	  SH	DEFINED	    7,410		   1,595
EL PASO CORP			COM		28336L109	        72 	      9,897 	  SH	OTHER	    8,897    1,000
ELECTRONIC DATA SYS CORP NEW	COM		285661104	     2,669 	    132,112 	  SH	DEFINED	  122,472    5,560	   4,080
ELECTRONIC DATA SYS CORP NEW	COM		285661104	       616 	     30,478 	  SH	OTHER	   17,558   12,520	     400
EMERSON ELECTRIC CO		COM		291011104	     3,352 	     63,671 	  SH	DEFINED	   62,801		     870
EMERSON ELECTRIC CO		COM		291011104	       662 	     12,581 	  SH	OTHER	    9,015    3,360	     206
ENERGEN CORP			COM		29265N108	       205 	      5,663 	  SH	DEFINED	    5,393		     270
ENERGEN CORP			COM		29265N108	       232 	      6,400 	  SH	OTHER	    4,750		   1,650
ENERGYSOUTH INC			COM		292970100	     1,467 	     46,825 	  SH	DEFINED	   46,825
ENERGYSOUTH INC			COM		292970100	        94 	      3,000 	  SH	OTHER	    3,000
THE ENSTAR GROUP INC		COM		29358R107	       781 	     19,905 	  SH	DEFINED	   19,905
ENTERGY CORP			COM		29364G103	       250 	      4,621 	  SH	DEFINED	    4,521		     100
ENTERGY CORP			COM		29364G103	        60 	      1,100 	  SH	OTHER	      100    1,000
EXELON CORP			COM		30161N101	       659 	     10,380 	  SH	DEFINED	    9,161		   1,219
EXELON CORP			COM		30161N101	       128 	      2,019 	  SH	OTHER	    1,107      757	     155
EXXON MOBIL CORP		COM		30231G102	    40,380 	  1,103,276 	  SH	DEFINED	1,059,545    8,458	  35,273
EXXON MOBIL CORP		COM		30231G102	    14,609 	    399,164 	  SH	OTHER	  318,999   63,017	  17,148
FPL GROUP INC			COM		302571104	     2,011 	     31,813 	  SH	DEFINED	   31,813
FPL GROUP INC			COM		302571104	       215 	      3,400 	  SH	OTHER	    2,700      700
FAMILY DOLLAR STORES INC	COM		307000109	     1,315 	     32,976 	  SH	DEFINED	   32,732		     244
FAMILY DOLLAR STORES INC	COM		307000109	       152 	      3,820 	  SH	OTHER	    3,190      630
FREDDIE MAC			COM		313400301	       766 	     14,623 	  SH	DEFINED	   14,167		     456
FREDDIE MAC			COM		313400301	        90 	      1,726 	  SH	OTHER	    1,550		     176
FEDERAL NATIONAL MORTGAGE ASSN	COM		313586109	     3,590 	     51,136 	  SH	DEFINED	   49,926		   1,210
FEDERAL NATIONAL MORTGAGE ASSN	COM		313586109	       930 	     13,253 	  SH	OTHER	    8,450    4,000	     803
FEDEX CORP			COM		31428X106	     7,035 	    109,196 	  SH	DEFINED	   71,269		  37,927
FEDEX CORP			COM		31428X106	       607 	      9,425 	  SH	OTHER	    9,425
FIRST DATA CORP			COM		319963104	     3,448 	     86,278 	  SH	DEFINED	   81,493		   4,785
FIRST DATA CORP			COM		319963104	       526 	     13,153 	  SH	OTHER	    4,104      400	   8,649
FIRST TENNESSEE NATIONAL CORP	COM		337162101	       907 	     21,353 	  SH	DEFINED	   18,028    1,800	   1,525
FIRST TENNESSEE NATIONAL CORP	COM		337162101	       258 	      6,075 	  SH	OTHER	    5,850		     225
FIRSTENERGY CORP		COM		337932107	       358 	     11,223 	  SH	DEFINED	   11,223
FIRSTENERGY CORP		COM		337932107	         6 	        190 	  SH	OTHER		       190
FLEETBOSTON FINL CORP		COM		339030108	       734 	     24,345 	  SH	DEFINED	   24,003		     342
FLEETBOSTON FINL CORP		COM		339030108	       106 	      3,502 	  SH	OTHER	    3,502
FLORIDA ROCK INDS INC		COM		341140101	       470 	      9,478 	  SH	DEFINED	    6,784    2,374	     320
FLORIDA ROCK INDS INC		COM		341140101	        52 	      1,057 	  SH	OTHER		     1,057
FORD MTR CO DEL			COM PAR $0.01	345370860	       224 	     20,842 	  SH	DEFINED	   20,037		     805
FORD MTR CO DEL			COM PAR $0.01	345370860	       122 	     11,301 	  SH	OTHER	    5,370    5,598	     333
FOREST LABS INC			COM		345838106	     2,830 	     55,006 	  SH	DEFINED	   54,796		     210
FOREST LABS INC			COM		345838106	       242 	      4,708 	  SH	OTHER	    4,683		      25
FORTUNE BRANDS INC		COM		349631101	       489 	      8,623 	  SH	DEFINED	    8,623
FORTUNE BRANDS INC		COM		349631101	       102 	      1,800 	  SH	OTHER	    1,800
FRANKLIN RES INC		COM		354613101	     1,280 	     28,949 	  SH	DEFINED	   27,434		   1,515
FRANKLIN RES INC		COM		354613101	         4 	        100 	  SH	OTHER	      100
GALLAGHER ARTHUR J & CO		COM		363576109	       401 	     14,184 	  SH	DEFINED	   13,979		     205
GALLAGHER ARTHUR J & CO		COM		363576109	        37 	      1,300 	  SH	OTHER	      900      400
GANNETT INC			COM		364730101	     1,577 	     20,338 	  SH	DEFINED	   17,042      600	   2,696
GANNETT INC			COM		364730101	     1,386 	     17,865 	  SH	OTHER	   11,532    1,296	   5,037
GAP INC				COM		364760108	     3,351 	    195,749 	  SH	DEFINED	  195,749
GAP INC				COM		364760108	       340 	     19,853 	  SH	OTHER	   13,923    5,930
GENENTECH INC			COM NEW		368710406	       597 	      7,449 	  SH	DEFINED	    6,069		   1,380
GENENTECH INC			COM NEW		368710406	       185 	      2,310 	  SH	OTHER	      110		   2,200
GENERAL DYNAMICS CORP		COM		369550108	     1,401 	     17,954 	  SH	DEFINED	   17,244		     710
GENERAL DYNAMICS CORP		COM		369550108	        23 	        300 	  SH	OTHER	      200      100
GENERAL ELECTRIC CO		COM		369604103	    33,025 	  1,107,866 	  SH	DEFINED	1,076,591    3,630	  27,645
GENERAL ELECTRIC CO		COM		369604103	    16,397 	    550,050 	  SH	OTHER	  482,434   61,689	   5,927
GENERAL MILLS INC		COM		370334104	     2,141 	     45,479 	  SH	DEFINED	   43,774		   1,705
GENERAL MILLS INC		COM		370334104	       641 	     13,614 	  SH	OTHER	   10,899    2,440	     275
GENERAL MOTORS CORP		COM		370442105	     2,200 	     53,757 	  SH	DEFINED	   33,831		  19,926
GENERAL MOTORS CORP		COM		370442105	       539 	     13,171 	  SH	OTHER	   11,431    1,440	     300
GENERAL MTRS CORP CLASS H NEW	CL H NEW 	370442832	     1,417 	     99,057 	  SH	DEFINED	    3,428		  95,629
GENERAL MTRS CORP CLASS H NEW	CL H NEW 	370442832	        22 	      1,524 	  SH	OTHER	    1,518        6
GENUINE PARTS CO		COM		372460105	     1,408 	     44,030 	  SH	DEFINED	   37,760    1,770	   4,500
GENUINE PARTS CO		COM		372460105	       750 	     23,461 	  SH	OTHER	   20,241    3,220
GEORGIA PAC CORP (GA PAC GR)	COM		373298108	     2,395 	     98,810 	  SH	DEFINED	   98,810
GEORGIA PAC CORP (GA PAC GR)	COM		373298108	        10 	        400 	  SH	OTHER	      400
GILLETTE CO			COM		375766102	     4,170 	    130,404 	  SH	DEFINED	  118,834      170	  11,400
GILLETTE CO			COM		375766102	     1,886 	     58,975 	  SH	OTHER	   38,115    7,460	  13,400
GLAXO SMITHKLINE		SPONSORED ADR	37733W105	       416 	      9,816 	  SH	DEFINED	    8,311		   1,505
GLAXO SMITHKLINE		SPONSORED ADR	37733W105	       155 	      3,655 	  SH	OTHER	    3,500		     155
GOLDMAN SACHS GROUP INC		COM		38141G104	       405 	      4,828 	  SH	DEFINED	    4,272		     556
GOLDMAN SACHS GROUP INC		COM		38141G104	        17 	        198 	  SH	OTHER	      100		      98
GOODRICH CORP			COM		382388106	       512 	     21,125 	  SH	DEFINED	   19,425		   1,700
GOODRICH CORP			COM		382388106	        58 	      2,400 	  SH	OTHER	    2,400
HCA-INC				COM		404119109	       871 	     23,621 	  SH	DEFINED	   22,386		   1,235
HCA-INC				COM		404119109	        10 	        260 	  SH	OTHER	      200		      60
HSBC HLDGS PLC			SPON ADR NEW	404280406	       216 	      3,278 	  SH	DEFINED	    2,860		     418
HSBC HLDGS PLC			SPON ADR NEW	404280406	       252 	      3,815 	  SH	OTHER		     3,705	     110
HARLEY DAVIDSON INC		COM		412822108	       298 	      6,190 	  SH	DEFINED	    5,585		     605
HARLEY DAVIDSON INC		COM		412822108	         1 	         20 	  SH	OTHER				      20
HARTFORD FINL SVCS GROUP INC	COM		416515104	       208 	      3,959 	  SH	DEFINED	    3,500		     459
HARTFORD FINL SVCS GROUP INC	COM		416515104	         7 	        140 	  SH	OTHER				     140
HEALTH NET INC			COM		42222G108	       212 	      6,707 	  SH	DEFINED	    4,609		   2,098
HEALTH NET INC			COM		42222G108	         8 	        245 	  SH	OTHER				     245
HEINZ H J CO			COM		423074103	     1,540 	     44,938 	  SH	DEFINED	   44,871		      67
HEINZ H J CO			COM		423074103	       289 	      8,445 	  SH	OTHER	    7,545      900
HERSHEY FOODS CORP		COM		427866108	       293 	      4,035 	  SH	DEFINED	    4,035
HERSHEY FOODS CORP		COM		427866108	       342 	      4,700 	  SH	OTHER	    3,600    1,100
HEWLETT PACKARD CO		COM		428236103	     2,046 	    105,679 	  SH	DEFINED	  101,437		   4,242
HEWLETT PACKARD CO		COM		428236103	       876 	     45,271 	  SH	OTHER	   39,936    2,525	   2,810
HIBERNIA CORP			CL A		428656102	       636 	     31,410 	  SH	DEFINED	   29,078		   2,332
HILTON HOTELS			COM		432848109	     1,263 	     77,859 	  SH	DEFINED	    6,285		  71,574
HOME DEPOT INC			COM		437076102	     3,811 	    119,658 	  SH	DEFINED	  116,552		   3,106
HOME DEPOT INC			COM		437076102	     1,036 	     32,516 	  SH	OTHER	   26,505    2,950	   3,061
HONEYWELL INTERNATIONAL INC	COM		438516106	       547 	     20,758 	  SH	DEFINED	   19,225		   1,533
HONEYWELL INTERNATIONAL INC	COM		438516106	       303 	     11,489 	  SH	OTHER	    2,325		   9,164
HUGOTON RTY TR TEX		UNIT BEN INT	444717102	        28 	      1,500 	  SH	DEFINED	    1,500
HUGOTON RTY TR TEX		UNIT BEN INT	444717102	       187 	     10,000 	  SH	OTHER	   10,000
HUNTINGTON BANCSHARES INC	COM		446150104	       199 	     10,000 	  SH	DEFINED	   10,000
ILLINOIS TOOL WKS INC		COM		452308109	       309 	      4,658 	  SH	DEFINED	    4,428		     230
INTEL CORP			COM		458140100	    17,177 	    624,172 	  SH	DEFINED	  573,103    1,870	  49,199
INTEL CORP			COM		458140100	     6,105 	    221,846 	  SH	OTHER	  177,621   39,341	   4,884
INTNL BUSINESS MACHINES CORP	COM		459200101	    12,131 	    137,337 	  SH	DEFINED	  124,197		  13,140
INTNL BUSINESS MACHINES CORP	COM		459200101	     4,223 	     47,812 	  SH	OTHER	   38,111    9,024	     677
INTERNATIONAL GAME TECHNOLOGY	COM		459902102	     1,111 	     39,468 	  SH	DEFINED	   39,344		     124
INTERNATIONAL PAPER CO		COM		460146103	     5,951 	    152,512 	  SH	DEFINED	  151,380		   1,132
INTERNATIONAL PAPER CO		COM		460146103	     1,356 	     34,764 	  SH	OTHER	   33,281    1,396	      87
ISHARES INC			MSCI JAPAN	464286848	        44 	      5,000 	  SH	DEFINED	    5,000
ISHARES INC			MSCI JAPAN	464286848	        88 	     10,000 	  SH	OTHER	   10,000
ISHARES TR			DJ US UTILS	464287697	       201 	      3,750 	  SH	DEFINED	    3,750
ISHARES TR			DJ US UTILS	464287697	       116 	      2,163 	  SH	OTHER	    2,163
ISHARES TR			S&P SMLCP VALU	464287879	       147 	      1,700 	  SH	DEFINED	    1,700
ISHARES TR			S&P SMLCP VALU	464287879	       130 	      1,500 	  SH	OTHER	    1,500
JP MORGAN CHASE & CO		COM		46625H100	     3,139 	     91,428 	  SH	DEFINED	   88,418		   3,010
JP MORGAN CHASE & CO		COM		46625H100	     1,070 	     31,158 	  SH	OTHER	   25,183    5,735	     240
JEFFERSON PILOT CORP		COM		475070108	     3,341 	     75,275 	  SH	DEFINED	   75,275
JEFFERSON PILOT CORP		COM		475070108	     4,191 	     94,438 	  SH	OTHER	   54,225    6,463	  33,750
JOHNSON & JOHNSON		COM		478160104	    15,957 	    322,230 	  SH	DEFINED	  308,817    2,000	  11,413
JOHNSON & JOHNSON		COM		478160104	     4,614 	     93,172 	  SH	OTHER	   68,430   14,560	  10,182
KLA - TENCOR CORPORATION	COM		482480100	       732 	     14,188 	  SH	DEFINED	   14,168		      20
KLA - TENCOR CORPORATION	COM		482480100	       206 	      4,000 	  SH	OTHER	    4,000
KELLOGG CO			COM		487836108	       511 	     15,314 	  SH	DEFINED	   15,150		     164
KELLOGG CO			COM		487836108	       400 	     12,000 	  SH	OTHER	   10,400    1,600
KEYCORP NEW			COM		493267108	     1,267 	     49,566 	  SH	DEFINED	   48,346		   1,220
KEYCORP NEW			COM		493267108	       127 	      4,950 	  SH	OTHER	    4,150      800
KIMBERLY CLARK CORP		COM		494368103	     2,305 	     44,908 	  SH	DEFINED	   43,796		   1,112
KIMBERLY CLARK CORP		COM		494368103	     2,036 	     39,678 	  SH	OTHER	   36,180    3,348	     150
KINDER MORGAN EGY PTNS L P	UT LTD PARTNER	494550106	       393 	      9,173 	  SH	DEFINED	    8,173		   1,000
KINDER MORGAN EGY PTNS L P	UT LTD PARTNER	494550106	       233 	      5,444 	  SH	OTHER	    5,444
KNIGHT RIDDER INC		COM		499040103	     1,237 	     18,549 	  SH	DEFINED	    3,633		  14,916
KOHLS CORP			COM		500255104	       206 	      3,849 	  SH	DEFINED	    3,168		     681
KOHLS CORP			COM		500255104	       363 	      6,785 	  SH	OTHER	      250		   6,535
KONINKLIJKE PHILIPS ELECTRS	NY REG SH NEW	500472303	       403 	     17,600 	  SH	DEFINED	    1,200		  16,400
KRAFT FOODS INC			CL A		50075N104	       858 	     29,080 	  SH	DEFINED	   27,680		   1,400
KRAFT FOODS INC			CL A		50075N104	        69 	      2,340 	  SH	OTHER	    1,945      295	     100
LEGGETT & PLATT INC		COM		524660107	     1,128 	     52,128 	  SH	DEFINED	   52,128
LEHMAN BROS HLDGS INC		COM		524908100	     1,665 	     24,103 	  SH	DEFINED	   24,103
LEHMAN BROS HLDGS INC		COM		524908100	       214 	      3,104 	  SH	OTHER	    3,104
LILLY ELI & CO			COM		532457108	     5,998 	    100,976 	  SH	DEFINED	   92,638		   8,338
LILLY ELI & CO			COM		532457108	     1,773 	     29,845 	  SH	OTHER	   22,695    2,250	   4,900
LIMITED BRANDS INC		COM		532716107	       132 	      8,743 	  SH	DEFINED	    8,343		     400
LIMITED BRANDS INC		COM		532716107	        20 	      1,300 	  SH	OTHER	    1,300
LINCOLN NATIONAL CORP IND	COM		534187109	       420 	     11,860 	  SH	DEFINED	   11,560		     300
LINCOLN NATIONAL CORP IND	COM		534187109	       144 	      4,069 	  SH	OTHER	    3,969      100
LIZ CLAIBORNE INC		COM		539320101	     1,187 	     34,873 	  SH	DEFINED	   32,778		   2,095
LIZ CLAIBORNE INC		COM		539320101	        64 	      1,880 	  SH	OTHER	    1,600		     280
LOCKHEED MARTIN CORP		COM		539830109	       132 	      2,869 	  SH	DEFINED	    2,734		     135
LOCKHEED MARTIN CORP		COM		539830109	       167 	      3,617 	  SH	OTHER	    3,617
LOEWS CORP			COM		540424108	        35 	        855 	  SH	DEFINED	      645		     210
LOEWS CORP			COM		540424108	       727 	     18,000 	  SH	OTHER	   18,000
LOUISIANA PACIFIC CORP		COM		546347105	     1,302 	     94,469 	  SH	DEFINED	   94,469
LOWES COS INC			COM		548661107	     4,531 	     87,303 	  SH	DEFINED	   86,159		   1,144
LOWES COS INC			COM		548661107	       473 	      9,115 	  SH	OTHER	    8,756		     359
LUCENT TECHNOLOGIES INC		COM		549463107	        80 	     36,946 	  SH	DEFINED	   28,341		   8,605
LUCENT TECHNOLOGIES INC		COM		549463107	        26 	     12,243 	  SH	OTHER	    5,012    6,731	     500
LUFKIN INDUSTRIES INCORPORATED	COM		549764108	       672 	     27,984 	  SH	DEFINED	   27,984
LUFKIN INDUSTRIES INCORPORATED	COM		549764108	       720 	     30,000 	  SH	OTHER	   30,000
MBNA CORP			COM		55262L100	       590 	     25,888 	  SH	DEFINED	   23,944		   1,944
MBNA CORP			COM		55262L100	        27 	      1,171 	  SH	OTHER	      420		     751
MANULIFE FINL CORP ADR		COM		56501R106	       499 	     17,263 	  SH	DEFINED	   16,913		     350
MARATHON OIL CORP		COM		565849106	       528 	     18,538 	  SH	DEFINED	   18,013      525
MARATHON OIL CORP		COM		565849106	        87 	      3,062 	  SH	OTHER	    2,040      390	     632
MARSH & MCLENNAN COS INC	COM		571748102	     3,136 	     65,875 	  SH	DEFINED	   64,317		   1,558
MARSH & MCLENNAN COS INC	COM		571748102	       520 	     10,913 	  SH	OTHER	    2,850    1,050	   7,013
MARRIOTT INTL INC NEW		CL A		571903202	     2,682 	     62,329 	  SH	DEFINED	   24,466		  37,863
MARRIOTT INTL INC NEW		CL A		571903202	       301 	      7,000 	  SH	OTHER	    1,100      500	   5,400
MASCO CORP			COM		574599106	       287 	     11,725 	  SH	DEFINED	    9,958		   1,767
MASCO CORP			COM		574599106	       307 	     12,521 	  SH	OTHER	    4,300		   8,221
MATSUSHITA ELEC INDL LTD	ADR		576879209	       131 	     10,940 	  SH	DEFINED	    9,550		   1,390
MATSUSHITA ELEC INDL LTD	ADR		576879209	         6 	        507 	  SH	OTHER				     507
MAXIM INTEGRATED PRODS INC	COM		57772K101	       229 	      5,821 	  SH	DEFINED	    3,352		   2,469
MAXIM INTEGRATED PRODS INC	COM		57772K101	        13 	        324 	  SH	OTHER	      137		     187
MAYTAG CORP			COM		578592107	    15,699 	    628,733 	  SH	DEFINED	  628,733
MAYTAG CORP			COM		578592107	        59 	      2,350 	  SH	OTHER	    2,350
MCCORMICK & CO INC COMMON STOCK	COM NON VTG	579780206	       998 	     36,386 	  SH	DEFINED	   36,386
MCCORMICK & CO INC COMMON STOCK	COM NON VTG	579780206	        49 	      1,776 	  SH	OTHER	    1,776
MCDONALDS CORP			COM		580135101	     1,065 	     45,253 	  SH	DEFINED	   45,103		     150
MCDONALDS CORP			COM		580135101	       406 	     17,233 	  SH	OTHER	   14,233    1,400	   1,600
MCGRAW-HILL COMPANIES INC NEW	COM		580645109	       727 	     11,698 	  SH	DEFINED	   11,298		     400
MCGRAW-HILL COMPANIES INC NEW	COM		580645109	        75 	      1,200 	  SH	OTHER	    1,200
MCKESSON CORPORATION		COM		58155Q103	       215 	      6,468 	  SH	DEFINED	    5,403		   1,065
MCKESSON CORPORATION		COM		58155Q103	       119 	      3,583 	  SH	OTHER	    3,383		     200
MEADWESTVACO CORP		COM		583334107	       114 	      4,474 	  SH	DEFINED	    4,474
MEADWESTVACO CORP		COM		583334107	     2,052 	     80,488 	  SH	OTHER	   27,594    3,240	  49,654
MEDCO HEALTH SOLUTIONS INC	COM		58405U102	       370 	     14,274 	  SH	DEFINED	   14,024      167	      83
MEDCO HEALTH SOLUTIONS INC	COM		58405U102	       350 	     13,486 	  SH	OTHER	    9,511    1,299	   2,676
MEDIMMUNE INC			COM		584699102	     1,146 	     34,695 	  SH	DEFINED	   31,314    1,400	   1,981
MEDIMMUNE INC			COM		584699102	       152 	      4,610 	  SH	OTHER	    1,150    3,460
MEDTRONIC INC			COM		585055106	     4,898 	    104,387 	  SH	DEFINED	  102,391		   1,996
MEDTRONIC INC			COM		585055106	     1,331 	     28,360 	  SH	OTHER	    9,625    7,800	  10,935
MELLON FINL CORP		COM		58551A108	       262 	      8,708 	  SH	DEFINED	    8,536		     172
MELLON FINL CORP		COM		58551A108	        36 	      1,200 	  SH	OTHER	      600      600
MERCK & CO INC			COM		589331107	    13,924 	    275,063 	  SH	DEFINED	  261,865    2,004	  11,194
MERCK & CO INC			COM		589331107	     7,290 	    144,024 	  SH	OTHER	  103,520   16,558	  23,946
MERRILL LYNCH & CO INC		COM		590188108	       639 	     11,939 	  SH	DEFINED	   11,160		     779
MERRILL LYNCH & CO INC		COM		590188108	        36 	        675 	  SH	OTHER	      600		      75
METLIFE INC			COM		59156R108	       234 	      8,360 	  SH	DEFINED	    5,892		   2,468
METLIFE INC			COM		59156R108	        14 	        488 	  SH	OTHER	      213		     275
MICROSOFT CORP			COM		594918104	    15,739 	    566,152 	  SH	DEFINED	  520,092    5,978	  40,082
MICROSOFT CORP			COM		594918104	     4,363 	    156,937 	  SH	OTHER	  111,193   20,218	  25,526
MID-AMER APT CMNTYS INC (REIT)	COM		59522J103	       276 	      9,150 	  SH	DEFINED	    2,250		   6,900
MIDCAP SPDR TR			UNIT SER 1	595635103	       319 	      3,416 	  SH	DEFINED	    1,975		   1,441
MIRANT CORP			COM		604675108	        12 	     18,858 	  SH	DEFINED	   18,302		     556
MIRANT CORP			COM		604675108	         7 	     11,320 	  SH	OTHER	   10,382      788	     150
MITSUBISHI TOKYO FINL GROUP	SPONSORED ADR	606816106	       109 	     16,935 	  SH	DEFINED	   15,135		   1,800
MOODYS CORP			COM		615369105	       376 	      6,845 	  SH	DEFINED	    6,685		     160
MOODYS CORP			COM		615369105	        44 	        800 	  SH	OTHER	      800
MORGAN STANLEY			COM		617446448	     8,184 	    162,190 	  SH	DEFINED	  147,749		  14,441
MORGAN STANLEY			COM		617446448	       769 	     15,230 	  SH	OTHER	   14,460      600	     170
MOTOROLA INC			COM		620076109	       982 	     82,202 	  SH	DEFINED	   77,890		   4,312
MOTOROLA INC			COM		620076109	       436 	     36,500 	  SH	OTHER	   32,100    4,400
MUNICIPAL MORTGAGE & EQUITY LLC	GROWTH SHS	62624B101	       221 	      9,000 	  SH	DEFINED	    3,000		   6,000
MURPHY OIL CORP			COM		626717102	     2,150 	     36,599 	  SH	DEFINED	   36,599
MURPHY OIL CORP			COM		626717102	        17 	        293 	  SH	OTHER	      293
MYLAN LABORATORIES INC		COM		628530107	       179 	      4,629 	  SH	DEFINED	    2,366		   2,263
MYLAN LABORATORIES INC		COM		628530107	        49 	      1,267 	  SH	OTHER	    1,000		     267
NASDAQ 100 TR			UNIT SER 1	631100104	       281 	      8,654 	  SH	DEFINED	    8,654
NASDAQ 100 TR			UNIT SER 1	631100104	        88 	      2,720 	  SH	OTHER	    1,500    1,220
NATIONAL CITY CORP		COM		635405103	       382 	     12,966 	  SH	DEFINED	   12,666		     300
NATIONAL CITY CORP		COM		635405103	        61 	      2,060 	  SH	OTHER		     2,000	      60
NATIONAL COMM FINL CORP		COM		63545P104	     1,182 	     47,513 	  SH	DEFINED	   43,948		   3,565
NATIONAL COMM FINL CORP		COM		63545P104	       113 	      4,528 	  SH	OTHER	    4,360		     168
NETWORK APPLIANCE INC DELEWARE	COM		64120L104	       538 	     26,211 	  SH	DEFINED	   20,512		   5,699
NETWORK APPLIANCE INC DELEWARE	COM		64120L104	        15 	        730 	  SH	OTHER	      730
NEW YORK TIMES CO CL A		CL A		650111107	       243 	      5,600 	  SH	DEFINED	    5,600
NEW YORK TIMES CO CL A		CL A		650111107	         9 	        200 	  SH	OTHER	      200
NEWMONT MINING CORP (NEW)	COM		651639106	     8,191 	    209,554 	  SH	DEFINED	  200,564    6,640	   2,350
NEWMONT MINING CORP (NEW)	COM		651639106	       866 	     22,161 	  SH	OTHER	   12,288    8,340	   1,533
NEXTEL COMMUNICATIONS INC	CL A		65332V103	       356 	     18,058 	  SH	DEFINED	   10,896		   7,162
NEXTEL COMMUNICATIONS INC	CL A		65332V103	        10 	        505 	  SH	OTHER				     505
NIKE INC CL B			CL B		654106103	     1,135 	     18,660 	  SH	DEFINED	   18,660
NIKE INC CL B			CL B		654106103	        82 	      1,350 	  SH	OTHER	      550      800
NOKIA CORP			SPONSORED ADR	654902204	       928 	     59,471 	  SH	DEFINED	   57,293		   2,178
NOKIA CORP			SPONSORED ADR	654902204	       262 	     16,770 	  SH	OTHER	    1,800		  14,970
NORFOLK SOUTHERN CORPORATION	COM		655844108	       380 	     20,518 	  SH	DEFINED	   20,518
NORFOLK SOUTHERN CORPORATION	COM		655844108	       388 	     20,967 	  SH	OTHER	   14,712    6,255
NORTHERN BORDER PARTNERS L P	UNIT LTD PARTN	664785102	       103 	      2,370 	  SH	DEFINED	    1,870		     500
NORTHERN BORDER PARTNERS L P	UNIT LTD PARTN	664785102	       239 	      5,500 	  SH	OTHER	    4,000    1,500
NORTHERN TRUST CORP		COM		665859104	       208 	      4,905 	  SH	DEFINED	    4,905
NORTHERN TRUST CORP		COM		665859104	         4 	        100 	  SH	OTHER	      100
NORTHROP GRUMMAN CORP		COM		666807102	     3,743 	     43,412 	  SH	DEFINED	   38,539      850	   4,023
NORTHROP GRUMMAN CORP		COM		666807102	       590 	      6,839 	  SH	OTHER	    3,459      970	   2,410
NVIDIA CORP			COM		67066G104	     1,662 	    104,085 	  SH	DEFINED	  103,785		     300
NVIDIA CORP			COM		67066G104	       163 	     10,200 	  SH	OTHER	   10,200
NUVEEN DIVIDEND ADV MUNI 3	COM SH BEN INT	67070X101	       277 	     20,000 	  SH	DEFINED	   20,000
NUVEEN INSD DIVID ADVANTAGE	COM		67071L106	       147 	     10,000 	  SH	DEFINED	   10,000
OGE ENERGY CORP			COM		670837103	       180 	      7,987 	  SH	DEFINED	    7,987
OGE ENERGY CORP			COM		670837103	        30 	      1,350 	  SH	OTHER	    1,200      150
NUVEEN MUN VALUE FD INC		COM		670928100	       189 	     20,608 	  SH	DEFINED	   20,608
NUVEEN MUN VALUE FD INC		COM		670928100	        12 	      1,333 	  SH	OTHER	    1,333
NUVEEN TEX QUAL INCM MUN FD	COM		670983105	       717 	     49,800 	  SH	DEFINED	   49,800
OCCIDENTAL PETE CORP		COM		674599105	       399 	     11,332 	  SH	DEFINED	    9,012		   2,320
OCCIDENTAL PETE CORP		COM		674599105	         8 	        240 	  SH	OTHER				     240
OLD REPUBLIC INTL CORP		COM		680223104	       278 	      8,416 	  SH	DEFINED	    6,162		   2,254
OLD REPUBLIC INTL CORP		COM		680223104	    10,604 	    320,446 	  SH	OTHER	   72,186  248,000	     260
OMNICOM GROUP			COM		681919106	        87 	      1,216 	  SH	DEFINED	    1,000		     216
OMNICOM GROUP			COM		681919106	       557 	      7,750 	  SH	OTHER		     4,500	   3,250
ORACLE CORPORATION		COM		68389X105	     3,956 	    351,681 	  SH	DEFINED	  330,523    6,920	  14,238
ORACLE CORPORATION		COM		68389X105	       784 	     69,688 	  SH	OTHER	   26,180   16,080	  27,428
PNC FINANCIAL SERVICES GROUP	COM		693475105	       611 	     12,850 	  SH	DEFINED	   12,850
PNC FINANCIAL SERVICES GROUP	COM		693475105	        67 	      1,410 	  SH	OTHER	      900      510
PPG INDUSTRIES INC		COM		693506107	       122 	      2,337 	  SH	DEFINED	    2,146		     191
PPG INDUSTRIES INC		COM		693506107	       263 	      5,039 	  SH	OTHER	    4,600      400	      39
PACCAR INC			COM		693718108	       245 	      3,300 	  SH	DEFINED	    3,300
PACCAR INC			COM		693718108	        90 	      1,206 	  SH	OTHER	    1,206
PARKER HANNIFIN CORP		COM		701094104	       251 	      5,625 	  SH	DEFINED	    5,625
PEOPLES BANCTRUST INC		COM		709796106	     5,606 	    385,000 	  SH	DEFINED	  385,000
PEPSICO INC			COM		713448108	    13,194 	    287,887 	  SH	DEFINED	  280,735    4,379	   2,773
PEPSICO INC			COM		713448108	     3,548 	     77,421 	  SH	OTHER	   47,477   19,436	  10,508
PFIZER INC			COM		717081103	    22,036 	    725,333 	  SH	DEFINED	  682,671    6,606	  36,056
PFIZER INC			COM		717081103	     6,515 	    214,462 	  SH	OTHER	  141,428   50,710	  22,324
PHELPS DODGE CORP		COM		717265102	       766 	     16,368 	  SH	DEFINED	   16,203		     165
PHELPS DODGE CORP		COM		717265102	        12 	        253 	  SH	OTHER	      100		     153
PIMCO MUN INCOME FD II		COM		72200W106	       280 	     20,000 	  SH	DEFINED	   20,000
PIMCO MUN INCOME FD III		COM		72201A103	       291 	     20,525 	  SH	DEFINED	   20,525
PIMCO MUN INCOME FD III		COM		72201A103	        23 	      1,650 	  SH	OTHER	    1,650
PIONEER NATURAL RESOURCES CO	COM		723787107	     1,018 	     40,000 	  SH	DEFINED				  40,000
PITNEY BOWES INC		COM		724479100	     1,207 	     31,510 	  SH	DEFINED	   31,510
PITNEY BOWES INC		COM		724479100	       466 	     12,150 	  SH	OTHER	   12,150
PLUM CREEK TIMBER CO INC	COM		729251108	     2,436 	     95,760 	  SH	DEFINED	   95,760
PLUM CREEK TIMBER CO INC	COM		729251108	        79 	      3,109 	  SH	OTHER	    2,059    1,050
PRAXAIR INC			COM		74005P104	       336 	      5,421 	  SH	DEFINED	    3,894		   1,527
PRAXAIR INC			COM		74005P104	       112 	      1,803 	  SH	OTHER				   1,803
PROASSURANCE CORP		COM		74267C106	       630 	     24,377 	  SH	DEFINED	   11,018		  13,359
PROASSURANCE CORP		COM		74267C106	        42 	      1,633 	  SH	OTHER	    1,633
PROCTER & GAMBLE CO		COM		742718109	    13,327 	    143,577 	  SH	DEFINED	  138,531    3,140	   1,906
PROCTER & GAMBLE CO		COM		742718109	     7,614 	     82,026 	  SH	OTHER	   56,881    9,183	  15,962
PROGRESS ENERGY INC		COM		743263105	       824 	     18,529 	  SH	DEFINED	   18,256		     273
PROGRESS ENERGY INC		COM		743263105	       152 	      3,422 	  SH	OTHER	    1,327    2,095
PROGRESSIVE CORP OHIO		COM		743315103	       413 	      5,983 	  SH	DEFINED	    3,694		   2,289
PROGRESSIVE CORP OHIO		COM		743315103	        13 	        188 	  SH	OTHER	      188
PROTECTIVE LIFE CORP		COM		743674103	     1,178 	     39,465 	  SH	DEFINED	   39,465
PROTECTIVE LIFE CORP		COM		743674103	     5,706 	    191,157 	  SH	OTHER	  189,965    1,192
PROVIDIAN FINL CORP		COM		74406A102	        94 	      7,977 	  SH	DEFINED	    4,550		   3,427
PROVIDIAN FINL CORP		COM		74406A102	       167 	     14,200 	  SH	OTHER	      400   13,800
PUBLIC SVC ENTERPRISE GROUP INC	COM		744573106	       258 	      6,134 	  SH	DEFINED	    5,704		     430
PUBLIC SVC ENTERPRISE GROUP INC	COM		744573106	       206 	      4,912 	  SH	OTHER	    1,594    3,150	     168
PUTNAM INVT GRADE MUN TR	COM		746805100	       343 	     31,000 	  SH	DEFINED	   31,000
PUTNAM MANAGED MUN INCOME TR	COM		746823103	       319 	     42,000 	  SH	DEFINED	   42,000
QUALCOMM INC			COM		747525103	       952 	     22,855 	  SH	DEFINED	   21,314		   1,541
QUALCOMM INC			COM		747525103	       864 	     20,732 	  SH	OTHER	    4,790    5,050	  10,892
QUESTAR CORP			COM		748356102	       371 	     12,050 	  SH	DEFINED	   12,050
QUESTAR CORP			COM		748356102	        31 	      1,000 	  SH	OTHER	    1,000
RADIOSHACK CORP			COM		750438103	       144 	      5,086 	  SH	DEFINED	    2,301		   2,785
RADIOSHACK CORP			COM		750438103	       173 	      6,090 	  SH	OTHER	    5,800		     290
RAYTHEON CO (NEW)		COM NEW		755111507	     2,687 	     95,958 	  SH	DEFINED	   84,383		  11,575
RAYTHEON CO (NEW)		COM NEW		755111507	       379 	     13,540 	  SH	OTHER	   11,312    2,028	     200
REGIONS FINANCIAL CORP		COM		758940100	    87,072 	  2,542,258 	  SH	DEFINED	2,257,059    7,303	 277,896
REGIONS FINANCIAL CORP		COM		758940100	    50,899 	  1,486,098 	  SH	OTHER	1,368,103   23,814	  94,181
RELIANT RES INC			COM		75952B105	        40 	      7,724 	  SH	DEFINED	    7,724
RELIANT RES INC			COM		75952B105	        27 	      5,197 	  SH	OTHER	      315    3,527	   1,355
ROCKWELL AUTOMATION INC		COM		773903109	       174 	      6,641 	  SH	DEFINED	    6,500		     141
ROCKWELL AUTOMATION INC		COM		773903109	        39 	      1,494 	  SH	OTHER	      266    1,228
ROYAL DUTCH PETROLEUM CO ADR	NY REG EUR.56	780257804	     2,767 	     62,604 	  SH	DEFINED	   62,463		     141
ROYAL DUTCH PETROLEUM CO ADR	NY REG EUR.56	780257804	       642 	     14,528 	  SH	OTHER	   13,214    1,170	     144
RUBY TUESDAY INC		COM		781182100	     5,917 	    245,427 	  SH	DEFINED	  245,427
RUBY TUESDAY INC		COM		781182100	       206 	      8,528 	  SH	OTHER	    5,528    3,000
SBC COMMUNICATIONS INC NEW	COM		78387G103	     4,361 	    196,001 	  SH	DEFINED	  186,609    3,780	   5,612
SBC COMMUNICATIONS INC NEW	COM		78387G103	     1,328 	     59,687 	  SH	OTHER	   22,322   24,363	  13,002
SPDR TR				UNIT SER 1	78462F103	     7,425 	     74,290 	  SH	DEFINED	   67,150    5,660	   1,480
SPDR TR				UNIT SER 1	78462F103	       902 	      9,020 	  SH	OTHER	    4,560    4,460
SABINE ROYALTY TRUST INTEREST	UNIT BEN INT	785688102	       334 	     11,943 	  SH	DEFINED	   11,943
SABINE ROYALTY TRUST INTEREST	UNIT BEN INT	785688102	        14 	        500 	  SH	OTHER	      250		     250
ST PAUL COS INC			COM		792860108	       275 	      7,424 	  SH	DEFINED	    7,424
ST PAUL COS INC			COM		792860108	       178 	      4,798 	  SH	OTHER	    4,798
SAKS INC			COM		79377W108	       265 	     23,026 	  SH	DEFINED				  23,026
SAKS INC			COM		79377W108	         2 	        132 	  SH	OTHER	      132
SANMINA CORP			COM		800907107	        38 	      3,955 	  SH	DEFINED	    3,850		     105
SANMINA CORP			COM		800907107	        91 	      9,468 	  SH	OTHER	    8,652		     816
SARA LEE CORP			COM		803111103	     4,599 	    250,517 	  SH	DEFINED	   27,762		 222,755
SARA LEE CORP			COM		803111103	       312 	     16,991 	  SH	OTHER	   11,621    5,370
SCANA CORP NEW			COM		80589M102	       873 	     25,484 	  SH	DEFINED	   25,484
SCANA CORP NEW			COM		80589M102	       240 	      6,997 	  SH	OTHER	    6,897      100
SCHERING-PLOUGH CORP		COM		806605101	       684 	     44,890 	  SH	DEFINED	   39,970		   4,920
SCHERING-PLOUGH CORP		COM		806605101	       382 	     25,060 	  SH	OTHER	   14,300   10,760
SCHLUMBERGER LTD ADR		COM		806857108	     3,251 	     67,174 	  SH	DEFINED	   56,256		  10,918
SCHLUMBERGER LTD ADR		COM		806857108	     1,268 	     26,201 	  SH	OTHER	   13,851    2,150	  10,200
SCHWAB CHARLES CORP NEW		COM		808513105	       891 	     74,812 	  SH	DEFINED	   68,261		   6,551
SCHWAB CHARLES CORP NEW		COM		808513105	         7 	        605 	  SH	OTHER	      605
SCUDDER MUN INCOME TR		COM SH BEN INT	81118R604	       487 	     41,000 	  SH	DEFINED	   41,000
SEARS ROEBUCK & CO		COM		812387108	       369 	      8,437 	  SH	DEFINED	    8,399		      38
SEARS ROEBUCK & CO		COM		812387108	       184 	      4,209 	  SH	OTHER	    4,209
SHERWIN WILLIAMS CO		COM		824348106	       185 	      6,301 	  SH	DEFINED	    3,811		   2,490
SHERWIN WILLIAMS CO		COM		824348106	        55 	      1,870 	  SH	OTHER	    1,600		     270
SMITH INTL INC			COM		832110100	       410 	     11,400 	  SH	DEFINED	   11,400
SOLECTRON CORP			COM		834182107	        80 	     13,700 	  SH	DEFINED	   13,700
SOLECTRON CORP			COM		834182107			          9 	  SH	OTHER	        9
SONOCO PRODUCTS CO		COM		835495102	        66 	      3,000 	  SH	DEFINED	    3,000
SONOCO PRODUCTS CO		COM		835495102	       137 	      6,220 	  SH	OTHER		     6,220
SOUTHERN CO			COM		842587107	     6,794 	    231,491 	  SH	DEFINED	  228,891      700	   1,900
SOUTHERN CO			COM		842587107	     2,712 	     92,402 	  SH	OTHER	   83,166    7,175	   2,061
SOUTHTRUST CORP			COM		844730101	     5,869 	    199,904 	  SH	DEFINED	  199,847		      57
SOUTHTRUST CORP			COM		844730101	     7,449 	    253,707 	  SH	OTHER	  198,709   42,930	  12,068
SOUTHWEST AIRLINES CO		COM		844741108	     1,624 	     91,739 	  SH	DEFINED	   88,772		   2,967
SOUTHWEST AIRLINES CO		COM		844741108	       106 	      6,013 	  SH	OTHER	    4,863    1,150
SPRINT CORP			PCS COM SER 1	852061506	       113 	     19,651 	  SH	DEFINED	   19,366		     285
SPRINT CORP			PCS COM SER 1	852061506	         7 	      1,272 	  SH	OTHER	    1,204       68
STARBUCKS CORP			COM		855244109	       199 	      6,922 	  SH	DEFINED	    5,633		   1,289
STARBUCKS CORP			COM		855244109	        31 	      1,063 	  SH	OTHER	      750		     313
STATE STR CORP			COM		857477103	       372 	      8,272 	  SH	DEFINED	    7,731		     541
STATE STR CORP			COM		857477103	         7 	        154 	  SH	OTHER				     154
STRYKER CORP			COM		863667101	       453 	      6,017 	  SH	DEFINED	    5,218		     799
STRYKER CORP			COM		863667101	        11 	        141 	  SH	OTHER				     141
SUN LIFE FINL INC		COM		866796105	       253 	     11,667 	  SH	DEFINED	   11,667
SUN MICROSYSTEMS INC		COM		866810104	       159 	     48,119 	  SH	DEFINED	   48,119
SUN MICROSYSTEMS INC		COM		866810104	        79 	     24,000 	  SH	OTHER	   16,900    6,000	   1,100
SUNTRUST BANKS INC		COM		867914103	     1,750 	     28,985 	  SH	DEFINED	   28,689      207	      89
SUNTRUST BANKS INC		COM		867914103	     1,039 	     17,218 	  SH	OTHER	   15,516    1,702
SYMANTEC CORP			COM		871503108	       223 	      3,533 	  SH	DEFINED	    1,990		   1,543
SYMANTEC CORP			COM		871503108	       141 	      2,225 	  SH	OTHER	    2,000		     225
SYNOVUS FINANCIAL CORP		COM		87161C105	       802 	     32,084 	  SH	DEFINED	   30,399      450	   1,235
SYNOVUS FINANCIAL CORP		COM		87161C105	     2,829 	    113,200 	  SH	OTHER	  110,780      505	   1,915
SYSCO CORP			COM		871829107	     2,111 	     64,542 	  SH	DEFINED	   63,597		     945
SYSCO CORP			COM		871829107	       156 	      4,765 	  SH	OTHER	    3,800      800	     165
TEPPCO PARTNERS LP		UT LTD PARTNER	872384102	       374 	     10,570 	  SH	DEFINED	   10,570
TEPPCO PARTNERS LP		UT LTD PARTNER	872384102	       127 	      3,600 	  SH	OTHER	    3,600
TXU CORP			COM		873168108	       426 	     18,098 	  SH	DEFINED	   18,008		      90
TXU CORP			COM		873168108	        31 	      1,307 	  SH	OTHER	    1,101        6	     200
TARGET CORP			COM		87612E106	     3,358 	     89,250 	  SH	DEFINED	   88,300		     950
TARGET CORP			COM		87612E106	       753 	     20,013 	  SH	OTHER	   14,413    4,425	   1,175
TELEFONICA S. A.		SPONSORED ADR	879382208	       434 	     12,247 	  SH	DEFINED	   11,941		     306
TELEFONICA S. A.		SPONSORED ADR	879382208	         8 	        216 	  SH	OTHER				     216
TELEPHONE & DATA SYS INC	COM		879433100	       733 	     12,957 	  SH	DEFINED	       50		  12,907
TEMPLETON GLOBAL INCOME FD INC	COM		880198106	       116 	     13,707 	  SH	DEFINED	   13,707
TEMPLETON GLOBAL INCOME FD INC	COM		880198106	         8 	      1,000 	  SH	OTHER		     1,000
TEVA PHARMACEUTICAL INDS LTD	ADR		881624209	       251 	      4,381 	  SH	DEFINED	    3,961		     420
TEVA PHARMACEUTICAL INDS LTD	ADR		881624209	        11 	        200 	  SH	OTHER				     200
TEXAS INSTRUMENTS INC		COM		882508104	     4,616 	    202,466 	  SH	DEFINED	  182,067		  20,399
TEXAS INSTRUMENTS INC		COM		882508104	       690 	     30,242 	  SH	OTHER	   25,550    3,732	     960
TEXTRON INC			COM		883203101	       201 	      5,105 	  SH	OTHER				   5,105
THOR INDS INC			COM		885160101	       259 	      4,800 	  SH	DEFINED	    4,800
3M CO				COM		88579Y101	     3,331 	     48,222 	  SH	DEFINED	   46,580		   1,642
3M CO				COM		88579Y101	     2,460 	     35,620 	  SH	OTHER	   28,442    2,028	   5,150
TORCHMARK CORP			COM		891027104	     4,023 	     98,981 	  SH	DEFINED	   98,181      800
TORCHMARK CORP			COM		891027104	     8,573 	    210,950 	  SH	OTHER	  200,969    9,981
TRAVELERS PPTY CAS CORP NEW	CL A		89420G109	       324 	     20,431 	  SH	DEFINED	   20,227		     204
TRAVELERS PPTY CAS CORP NEW	CL A		89420G109	        51 	      3,230 	  SH	OTHER	    2,802      422	       6
TRIZEC PROPERTIES INC (REIT)	COM		89687P107	       712 	     58,045 	  SH	DEFINED				  58,045
TYCO INTL LTD NEW ADR		COM		902124106	       267 	     13,047 	  SH	DEFINED	   12,152		     895
TYCO INTL LTD NEW ADR		COM		902124106	        26 	      1,274 	  SH	OTHER	    1,274
UST INC				COM		902911106	     1,676 	     47,644 	  SH	DEFINED	   47,514		     130
UST INC				COM		902911106	       165 	      4,700 	  SH	OTHER	    4,600      100
US BANCORP DEL COM NEW		COM NEW		902973304	     4,602 	    191,847 	  SH	DEFINED	  190,792		   1,055
US BANCORP DEL COM NEW		COM NEW		902973304	        59 	      2,464 	  SH	OTHER	    1,700      634	     130
UNION PACIFIC CORP		COM		907818108	     1,434 	     24,647 	  SH	DEFINED	   24,022		     625
UNION PACIFIC CORP		COM		907818108	       243 	      4,181 	  SH	OTHER	    3,075    1,006	     100
UNION PLANTERS CORP		COM		908068109	     2,591 	     81,890 	  SH	DEFINED	   64,037		  17,853
UNION PLANTERS CORP		COM		908068109	     6,993 	    221,005 	  SH	OTHER	   48,625  172,380
UNITED PARCEL SVC INC		CL B		911312106	        78 	      1,226 	  SH	DEFINED	      942		     284
UNITED PARCEL SVC INC		CL B		911312106	       373 	      5,839 	  SH	OTHER				   5,839
UNITED SEC BANCSHARES INC	SHS		911459105	     2,858 	    112,640 	  SH	DEFINED	  112,640
UNITED SEC BANCSHARES INC	SHS		911459105	        25 	      1,000 	  SH	OTHER		     1,000
UNITED TECHNOLOGIES CORP	COM		913017109	     1,629 	     21,078 	  SH	DEFINED	   19,454		   1,624
UNITED TECHNOLOGIES CORP	COM		913017109	       605 	      7,828 	  SH	OTHER	    7,500		     328
UNITEDHEALTH GROUP INC		COM		91324P102	       630 	     12,512 	  SH	DEFINED	   10,589		   1,923
UNITEDHEALTH GROUP INC		COM		91324P102	        44 	        868 	  SH	OTHER	      400		     468
UNOCAL CORP			COM		915289102	       204 	      6,472 	  SH	DEFINED	    6,398		      74
UNOCAL CORP			COM		915289102	        32 	      1,000 	  SH	OTHER	    1,000
UNUMPROVIDENT CORP		COM		91529Y106	         9 	        590 	  SH	DEFINED	      590
UNUMPROVIDENT CORP		COM		91529Y106	       366 	     24,795 	  SH	OTHER	   17,681    7,114
V F CORP			COM		918204108	     1,911 	     49,116 	  SH	DEFINED	   49,116
V F CORP			COM		918204108	       311 	      8,000 	  SH	OTHER	    8,000
VERIZON COMMUNICATIONS		COM		92343V104	     5,842 	    180,088 	  SH	DEFINED	  163,508      488	  16,092
VERIZON COMMUNICATIONS		COM		92343V104	     2,227 	     68,663 	  SH	OTHER	   45,845   18,214	   4,604
VIACOM INC			CL A		925524100	     1,179 	     30,695 	  SH	DEFINED	   30,695
VIACOM INC			CL A		925524100	        11 	        290 	  SH	OTHER	      200       90
VIACOM INC			CL B		925524308	     2,926 	     76,403 	  SH	DEFINED	   69,902    4,678	   1,823
VIACOM INC			CL B		925524308	       171 	      4,473 	  SH	OTHER	    3,375		   1,098
VITESSE SEMICONDUCTOR CORP	COM		928497106	        74 	     11,600 	  SH	DEFINED	   11,600
VIVENDI UNIVERSAL		SPON ADR NEW	92851S204	     1,261 	     71,000 	  SH	DEFINED				  71,000
VIVENDI UNIVERSAL		SPON ADR NEW	92851S204	        68 	      3,840 	  SH	OTHER	    3,840
VODAFONE GROUP PLC NEW		SPONSORED ADR	92857W100	       537 	     26,521 	  SH	DEFINED	   24,446		   2,075
VODAFONE GROUP PLC NEW		SPONSORED ADR	92857W100	       297 	     14,651 	  SH	OTHER	    3,575    5,456	   5,620
VULCAN MATERIALS CO		COM		929160109	     6,149 	    154,082 	  SH	DEFINED	  154,082
VULCAN MATERIALS CO		COM		929160109	    10,668 	    267,301 	  SH	OTHER	  200,564    5,219	  61,518
WACHOVIA CORP			COM		929903102	     3,623 	     87,965 	  SH	DEFINED	   83,413    1,410	   3,142
WACHOVIA CORP			COM		929903102	       796 	     19,335 	  SH	OTHER	   10,443    8,682	     210
WADDELL & REED FINL INC CL A	CL A		930059100	       358 	     15,174 	  SH	DEFINED	   15,174
WADDELL & REED FINL INC CL A	CL A		930059100	     1,475 	     62,563 	  SH	OTHER	   60,200    2,363
WAL MART STORES INC		COM		931142103	    15,226 	    272,626 	  SH	DEFINED	  256,472		  16,154
WAL MART STORES INC		COM		931142103	     4,788 	     85,733 	  SH	OTHER	   63,213   21,363	   1,157
WALGREEN CO			COM		931422109	     2,412 	     78,713 	  SH	DEFINED	   75,426		   3,287
WALGREEN CO			COM		931422109	       107 	      3,482 	  SH	OTHER	    1,600    1,400	     482
WASHINGTON MUTUAL INC		COM		939322103	     2,036 	     51,726 	  SH	DEFINED	   49,730		   1,996
WASHINGTON MUTUAL INC		COM		939322103	       436 	     11,076 	  SH	OTHER	   10,676      130	     270
WASTE MANAGEMENT COM		COM		94106L109	     1,902 	     72,668 	  SH	DEFINED	   24,113		  48,555
WASTE MANAGEMENT COM		COM		94106L109	         6 	        245 	  SH	OTHER		       100	     145
WELLS FARGO & CO NEW		COM		949746101	     6,662 	    129,362 	  SH	DEFINED	  127,672      500	   1,190
WELLS FARGO & CO NEW		COM		949746101	     1,022 	     19,840 	  SH	OTHER	   12,700    7,000	     140
WESBANCO INC			COM		950810101	       491 	     20,908 	  SH	DEFINED	   20,908
WEYERHAEUSER CO			COM		962166104	     3,500 	     59,888 	  SH	DEFINED	   52,218		   7,670
WEYERHAEUSER CO			COM		962166104	       394 	      6,744 	  SH	OTHER	    5,069    1,430	     245
WILLIAMS COS INC		COM		969457100	        41 	      4,300 	  SH	DEFINED	    4,300
WILLIAMS COS INC		COM		969457100	        65 	      6,850 	  SH	OTHER	    6,350      500
WILMINGTON TR CORP		COM		971807102	       281 	      9,150 	  SH	DEFINED	    9,150
WILMINGTON TR CORP		COM		971807102	         9 	        300 	  SH	OTHER	      300
WISCONSIN ENERGY CORP		COM		976657106	       430 	     14,075 	  SH	DEFINED	   14,075
WISCONSIN ENERGY CORP		COM		976657106	         3 	        110 	  SH	OTHER	      110
WRIGLEY WM JR CO		COM		982526105	     2,861 	     51,738 	  SH	DEFINED	   51,604		     134
WRIGLEY WM JR CO		COM		982526105	       732 	     13,242 	  SH	OTHER	   12,200    1,000	      42
WYETH				COM		983024100	    11,411 	    247,536 	  SH	DEFINED	  230,646    2,800	  14,090
WYETH				COM		983024100	     4,285 	     92,953 	  SH	OTHER	   80,713   11,157	   1,083
XTO ENERGY INC			COM		98385X106	       437 	     20,827 	  SH	DEFINED	   19,698      900	     229
XILINX INC			COM		983919101	     1,637 	     57,585 	  SH	DEFINED	   55,459		   2,126
XILINX INC			COM		983919101	         8 	        275 	  SH	OTHER	      250		      25
XEROX CORP			COM		984121103	       163 	     15,917 	  SH	DEFINED	   13,525		   2,392
YAHOO INC			COM		984332106	       342 	      9,668 	  SH	DEFINED	    8,089		   1,579
YAHOO INC			COM		984332106	        80 	      2,262 	  SH	OTHER	    2,262
YUM BRANDS INC			COM		988498101	     1,406 	     47,458 	  SH	DEFINED	    1,435		  46,023
YUM BRANDS INC			COM		988498101	        22 	        732 	  SH	OTHER		       300	     432
ZIMMER HLDGS INC		COM		98956P102	       468 	      8,499 	  SH	DEFINED	    7,564		     935
ZIMMER HLDGS INC		COM		98956P102	       165 	      2,989 	  SH	OTHER	    2,430      239	     320