UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: December 31, 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 February 13, 2004
[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: 784
Form 13F Information Table Value Total: $1,525,011(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
ACE LTD ADR ORD G0070K103 241 5,820 SH DEFINED 2,368 3,452
ACE LTD ADR ORD G0070K103 10 240 SH OTHER 240
AMDOCS LTD ORD ADR ORD G02602103 209 9,290 SH DEFINED 3,225 6,065
AMDOCS LTD ORD ADR ORD G02602103 10 430 SH OTHER 430
XCELERA INC COM ADR COM G31611109 38 18,036 SH DEFINED 18,036
GLOBALSANTAFE CORPORATION ADR SHS G3930E101 3,376 135,961 SH DEFINED 127,661 7,440 860
GLOBALSANTAFE CORPORATION ADR SHS G3930E101 291 11,700 SH OTHER 3,430 8,270
INGERSOLL-RAND CO LTD CL A ADR CL A G4776G101 5,051 74,408 SH DEFINED 73,766 642
INGERSOLL-RAND CO LTD CL A ADR CL A G4776G101 568 8,369 SH OTHER 7,530 190 649
NABORS INDUSTRIES LTD SHS G6359F103 216 5,206 SH DEFINED 3,705 1,501
NABORS INDUSTRIES LTD SHS G6359F103 10 240 SH OTHER 240
WILLIS GROUP HLDGS LTD SHS G96655108 289 8,480 SH DEFINED 7,080 1,400
FLEXTRONICS INTL ADR ORD Y2573F102 2,030 137,158 SH DEFINED 137,158
FLEXTRONICS INTL ADR ORD Y2573F102 163 11,000 SH OTHER 11,000
AFLAC INC COM 001055102 7,185 198,592 SH DEFINED 191,504 1,100 5,988
AFLAC INC COM 001055102 1,524 42,120 SH OTHER 36,845 2,190 3,085
AGL RES INC COM 001204106 45 1,554 SH DEFINED 1,554
AGL RES INC COM 001204106 427 14,672 SH OTHER 11,700 2,972
AT&T CORP COM NEW 001957505 364 17,949 SH DEFINED 9,884 861 7,204
AT&T CORP COM NEW 001957505 31 1,542 SH OTHER 776 341 425
AT & T WIRELESS SERVICES INC COM 00209A106 112 13,961 SH DEFINED 13,812 149
AT & T WIRELESS SERVICES INC COM 00209A106 42 5,225 SH OTHER 4,547 678
ABBOTT LABORATORIES COM 002824100 9,163 196,626 SH DEFINED 192,237 2,860 1,529
ABBOTT LABORATORIES COM 002824100 1,819 39,045 SH OTHER 23,900 11,765 3,380
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 2,109 85,366 SH DEFINED 83,581 1,785
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 194 7,850 SH OTHER 5,850 2,000
ABERDEEN ASIA PAC PRIME INC COM 003009107 159 25,000 SH OTHER 25,000
AEGON N V ADR ORD AMER REG 007924103 217 14,662 SH DEFINED 12,623 2,039
AEGON N V ADR ORD AMER REG 007924103 334 22,593 SH OTHER 14,282 8,311
AFFILIATED COMPUTER SVCS INC CL A 008190100 705 12,950 SH DEFINED 10,260 2,690
AFFILIATED COMPUTER SVCS INC CL A 008190100 20 370 SH OTHER 200 170
AGILENT TECHNOLOGIES INC COM 00846U101 162 5,556 SH DEFINED 5,490 66
AGILENT TECHNOLOGIES INC COM 00846U101 55 1,867 SH OTHER 1,867
AIR PRODUCTS & CHEMICALS INC COM 009158106 401 7,582 SH DEFINED 7,069 513
AIR PRODUCTS & CHEMICALS INC COM 009158106 56 1,063 SH OTHER 1,063
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 326 8,521 SH DEFINED 7,931 590
ALABAMA NATL BANCORP DEL COM 010317105 335 6,376 SH DEFINED 6,376
ALABAMA NATL BANCORP DEL COM 010317105 26 500 SH OTHER 500
ALCOA INC COM 013817101 1,337 35,189 SH DEFINED 33,459 1,730
ALCOA INC COM 013817101 342 8,991 SH OTHER 7,760 425 806
ALCATEL ADR SPONSORED ADR 013904305 152 11,855 SH DEFINED 8,775 3,080
ALFA CORP COM 015385107 518 40,316 SH DEFINED 37,516 2,800
ALFA CORP COM 015385107 18 1,396 SH OTHER 1,396
ALLERGAN INC COM 018490102 237 3,085 SH DEFINED 1,169 1,916
ALLERGAN INC COM 018490102 18 234 SH OTHER 234
ALLSTATE CORP COM 020002101 2,952 68,622 SH DEFINED 58,319 2,374 7,929
ALLSTATE CORP COM 020002101 360 8,378 SH OTHER 6,533 1,574 271
ALLTEL CORP COM 020039103 827 17,761 SH DEFINED 15,581 2,180
ALLTEL CORP COM 020039103 351 7,535 SH OTHER 7,035 500
ALTRIA GROUP INC COM 02209S103 7,937 145,847 SH DEFINED 137,437 3,600 4,810
ALTRIA GROUP INC COM 02209S103 2,701 49,624 SH OTHER 38,672 10,500 452
AMAZON COM INC COM 023135106 598 11,364 SH DEFINED 5,277 6,087
AMBAC FINANCIAL GROUP INC COM 023139108 226 3,255 SH DEFINED 1,610 1,645
AMERICAN ELECTRIC POWER INC COM 025537101 353 11,565 SH DEFINED 10,945 620
AMERICAN ELECTRIC POWER INC COM 025537101 14 467 SH OTHER 120 257 90
AMERICAN EXPRESS CO COM 025816109 6,026 124,934 SH DEFINED 114,775 10,159
AMERICAN EXPRESS CO COM 025816109 2,734 56,677 SH OTHER 45,521 4,138 7,018
AMERICAN INTL GROUP INC COM 026874107 14,130 213,183 SH DEFINED 198,540 3,000 11,643
AMERICAN INTL GROUP INC COM 026874107 2,974 44,868 SH OTHER 20,482 3,238 21,148
AMERICAN PWR CONVERSION CORP COM 029066107 205 8,363 SH DEFINED 6,812 1,551
AMGEN INC COM 031162100 5,284 85,520 SH DEFINED 81,114 4,406
AMGEN INC COM 031162100 966 15,634 SH OTHER 8,145 488 7,001
AMSOUTH BANCORPORATION COM 032165102 10,530 429,804 SH DEFINED 409,943 19,861
AMSOUTH BANCORPORATION COM 032165102 7,751 316,371 SH OTHER 214,146 13,164 89,061
ANADARKO PETE CORP COM 032511107 1,617 31,704 SH DEFINED 31,064 640
ANADARKO PETE CORP COM 032511107 110 2,155 SH OTHER 1,825 330
ANHEUSER BUSCH COS INC COM 035229103 9,492 180,174 SH DEFINED 179,869 305
ANHEUSER BUSCH COS INC COM 035229103 676 12,838 SH OTHER 9,908 2,870 60
AON CORP COM 037389103 1,210 50,550 SH DEFINED 550 50,000
APACHE CORP COM 037411105 4,986 61,478 SH DEFINED 59,473 1,325 680
APACHE CORP COM 037411105 316 3,897 SH OTHER 3,020 795 82
APPLIED MATLS INC COM 038222105 5,669 252,624 SH DEFINED 212,386 40,238
APPLIED MATLS INC COM 038222105 584 26,040 SH OTHER 23,040 3,000
ARCHER DANIELS MIDLAND CO COM 039483102 517 33,943 SH DEFINED 32,663 1,280
ARCHER DANIELS MIDLAND CO COM 039483102 27 1,750 SH OTHER 1,050 700
ASTRAZENECA PLC SPONSORED ADR 046353108 281 5,800 SH DEFINED 5,800
ATMOS ENERGY CORP COM 049560105 231 9,508 SH DEFINED 9,508
AUBURN NATIONAL BANCORPORATION COM 050473107 138 7,000 SH DEFINED 7,000
AUBURN NATIONAL BANCORPORATION COM 050473107 436 22,150 SH OTHER 22,150
AUTOMATIC DATA PROCESSING INC COM 053015103 1,203 30,361 SH DEFINED 22,896 7,465
AUTOMATIC DATA PROCESSING INC COM 053015103 546 13,774 SH OTHER 9,574 2,200 2,000
AUTOZONE INC COM 053332102 161 1,890 SH DEFINED 1,800 90
AUTOZONE INC COM 053332102 94 1,100 SH OTHER 100 1,000
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 37 13,459 SH OTHER 13,459
AVENTIS SPONSORED ADR 053561106 126 1,901 SH DEFINED 1,181 720
AVENTIS SPONSORED ADR 053561106 86 1,300 SH OTHER 1,300
AVERY DENNISON CORP COM 053611109 197 3,514 SH DEFINED 3,059 455
AVERY DENNISON CORP COM 053611109 56 1,000 SH OTHER 1,000
AVOCENT CORP COM 053893103 4,581 125,440 SH DEFINED 125,000 440
AVOCENT CORP COM 053893103 31 843 SH OTHER 843
AVON PRODS INC COM 054303102 625 9,260 SH DEFINED 9,260
BB&T CORP COM 054937107 145 3,754 SH DEFINED 3,754
BB&T CORP COM 054937107 986 25,507 SH OTHER 25,507
BP PLC ADR SPONSORED ADR 055622104 10,642 215,640 SH DEFINED 208,558 984 6,098
BP PLC ADR SPONSORED ADR 055622104 3,863 78,278 SH OTHER 68,023 5,674 4,581
BANCO BILBAO VIZCAYA S.A. ADR SPONSORED ADR 05946K101 176 12,712 SH DEFINED 9,662 3,050
BANCORPSOUTH INC COM 059692103 74 3,100 SH DEFINED 3,064 36
BANCORPSOUTH INC COM 059692103 237 10,000 SH OTHER 10,000
BANCTRUST FINANCIAL GP COM 05978R107 97 6,075 SH DEFINED 6,075
BANCTRUST FINANCIAL GP COM 05978R107 184 11,455 SH OTHER 11,455
BANK AMER CORP COM 060505104 12,139 150,922 SH DEFINED 147,592 3,330
BANK AMER CORP COM 060505104 24,646 306,429 SH OTHER 303,450 2,666 313
BANK NEW YORK INC COM 064057102 1,345 40,611 SH DEFINED 38,895 1,400 316
BANK NEW YORK INC COM 064057102 162 4,882 SH OTHER 2,200 2,580 102
BANK ONE CORP COM 06423A103 360 7,907 SH DEFINED 7,607 300
BANK ONE CORP COM 06423A103 406 8,900 SH OTHER 6,900 2,000
BARRICK GOLD CORP ADR COM 067901108 1,431 63,029 SH DEFINED 60,659 1,570 800
BARRICK GOLD CORP ADR COM 067901108 79 3,480 SH OTHER 490 2,590 400
BARR PHARMACEUTICALS INC COM 068306109 359 4,660 SH DEFINED 2,109 2,551
BARR PHARMACEUTICALS INC COM 068306109 11 137 SH OTHER 137
BAXTER INTERNATIONAL INC COM 071813109 616 20,178 SH DEFINED 19,978 200
BAXTER INTERNATIONAL INC COM 071813109 477 15,640 SH OTHER 13,760 1,880
BECTON DICKINSON & CO COM 075887109 411 10,000 SH DEFINED 10,000
BECTON DICKINSON & CO COM 075887109 41 1,008 SH OTHER 1,008
BED BATH & BEYOND INC COM 075896100 1,481 34,159 SH DEFINED 32,810 1,349
BED BATH & BEYOND INC COM 075896100 237 5,474 SH OTHER 150 5,324
BELLSOUTH CORP COM 079860102 6,419 226,816 SH DEFINED 212,173 450 14,193
BELLSOUTH CORP COM 079860102 2,925 103,368 SH OTHER 58,326 23,138 21,904
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,432 17 SH DEFINED 10 7
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,854 22 SH OTHER 2 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 3,834 1,362 SH DEFINED 1,305 5 52
BERKSHIRE HATHAWAY INC DEL CL B 084670207 1,244 442 SH OTHER 348 10 84
BEST BUY INC COM 086516101 1,806 34,565 SH DEFINED 34,565
BEST BUY INC COM 086516101 460 8,800 SH OTHER 8,800
BIOCRYST PHARMACEUTICALS INC COM 09058V103 10 1,500 SH DEFINED 1,500
BIOCRYST PHARMACEUTICALS INC COM 09058V103 747 109,054 SH OTHER 1,000 108,054
BLACK & DECKER MFG CO COM 091797100 264 5,359 SH DEFINED 2,609 2,750
BLACK & DECKER MFG CO COM 091797100 8 165 SH OTHER 165
BLACKROCK INSD MUN TERM TR INC COM 092474105 277 25,000 SH DEFINED 25,000
BLACKROCK INSD MUN INCOME TR COM 092479104 273 19,500 SH DEFINED 19,500
BLACKROCK MUNICIPAL BOND TR COM 09249H104 221 15,000 SH DEFINED 15,000
BLACKROCK MUNI 2020 TER TRS COM SHS 09249X109 450 30,000 SH DEFINED 30,000
BLOCK H & R INC COM 093671105 429 7,757 SH DEFINED 5,003 2,754
BLOCK H & R INC COM 093671105 276 4,980 SH OTHER 4,800 180
BLOUNT INTL INC NEW COM 095180105 329 41,851 SH OTHER 41,851
BOEING CO COM 097023105 5,304 125,874 SH DEFINED 125,874
BOEING CO COM 097023105 312 7,411 SH OTHER 5,641 1,400 370
BRIGGS & STRATTON CORP COM 109043109 67 1,000 SH DEFINED 1,000
BRIGGS & STRATTON CORP COM 109043109 162 2,400 SH OTHER 2,400
BRISTOL MYERS SQUIBB CO COM 110122108 11,768 411,477 SH DEFINED 393,213 10,370 7,894
BRISTOL MYERS SQUIBB CO COM 110122108 4,600 160,850 SH OTHER 126,484 28,783 5,583
BROWN FORMAN CORP CL B CL B 115637209 93 1,000 SH DEFINED 1,000
BROWN FORMAN CORP CL B CL B 115637209 168 1,800 SH OTHER 1,800
BUCKEYE PARTNERS LP UNITS UNIT LTD PARTN 118230101 95 2,100 SH DEFINED 1,500 600
BUCKEYE PARTNERS LP UNITS UNIT LTD PARTN 118230101 245 5,400 SH OTHER 5,400
BUCKEYE TECHNOLOGIES INC COM 118255108 151 14,980 SH DEFINED 4,900 10,080
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 3,052 94,348 SH DEFINED 93,636 712
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 207 6,406 SH OTHER 4,900 1,425 81
BURLINGTON RESOURCES INC COM 122014103 2,997 54,117 SH DEFINED 49,424 2,450 2,243
BURLINGTON RESOURCES INC COM 122014103 447 8,080 SH OTHER 4,810 3,270
CIGNA CORP COM 125509109 1,071 18,620 SH DEFINED 18,500 120
CIGNA CORP COM 125509109 126 2,196 SH OTHER 2,196
CSX CORP COM 126408103 203 5,650 SH DEFINED 5,650
CSX CORP COM 126408103 78 2,170 SH OTHER 1,770 400
CVS CORPORATION (DEL) COM 126650100 4,168 115,384 SH DEFINED 113,274 250 1,860
CVS CORPORATION (DEL) COM 126650100 524 14,519 SH OTHER 12,437 602 1,480
CAMPBELL SOUP CO COM 134429109 214 8,000 SH DEFINED 8,000
CAMPBELL SOUP CO COM 134429109 70 2,600 SH OTHER 2,000 600
CARDINAL HEALTH INC COM 14149Y108 1,480 24,196 SH DEFINED 21,037 3,159
CARDINAL HEALTH INC COM 14149Y108 280 4,581 SH OTHER 3,945 566 70
CATERPILLAR INC COM 149123101 1,880 22,650 SH DEFINED 22,050 600
CATERPILLAR INC COM 149123101 365 4,400 SH OTHER 1,200 3,200
CEDAR FAIR L P DEPOSITRY UNIT 150185106 600 19,500 SH DEFINED 15,000 4,500
CENDANT CORP COM 151313103 203 9,106 SH DEFINED 9,106
CENDANT CORP COM 151313103 56 2,500 SH OTHER 2,500
CENTERPOINT ENERGY INC COM 15189T107 106 10,956 SH DEFINED 10,956
CENTERPOINT ENERGY INC COM 15189T107 76 7,794 SH OTHER 400 5,675 1,719
CENTURYTEL INC COM 156700106 2,010 61,619 SH DEFINED 14,430 47,189
CENTURYTEL INC COM 156700106 26 800 SH OTHER 800
CHEVRON TEXACO CORP COM 166764100 9,626 111,428 SH DEFINED 101,223 840 9,365
CHEVRON TEXACO CORP COM 166764100 4,026 46,605 SH OTHER 33,479 11,841 1,285
CINERGY CORP COM 172474108 319 8,211 SH DEFINED 8,211
CINERGY CORP COM 172474108 427 11,000 SH OTHER 5,000 6,000
CISCO SYS INC COM 17275R102 12,303 507,766 SH DEFINED 485,552 5,410 16,804
CISCO SYS INC COM 17275R102 2,284 94,264 SH OTHER 61,863 25,687 6,714
CITIGROUP INC COM 172967101 13,184 271,621 SH DEFINED 261,020 10,601
CITIGROUP INC COM 172967101 5,370 110,633 SH OTHER 94,930 6,718 8,985
CLEAR CHANNEL COMMUNICATIONS COM 184502102 5,218 111,433 SH DEFINED 99,833 11,600
CLEAR CHANNEL COMMUNICATIONS COM 184502102 439 9,365 SH OTHER 8,000 1,365
CLOROX CO COM 189054109 1,956 40,275 SH DEFINED 35,727 1,838 2,710
CLOROX CO COM 189054109 391 8,044 SH OTHER 5,494 2,235 315
COACH INC COM 189754104 475 12,574 SH DEFINED 5,119 7,455
COACH INC COM 189754104 24 636 SH OTHER 636
COCA COLA CO COM 191216100 40,461 797,265 SH DEFINED 791,115 6,150
COCA COLA CO COM 191216100 33,172 653,645 SH OTHER 604,596 38,494 10,555
COCA COLA ENTERPRISES INC COM 191219104 4,778 218,460 SH OTHER 218,460
COLGATE PALMOLIVE CO COM 194162103 2,514 50,231 SH DEFINED 49,776 455
COLGATE PALMOLIVE CO COM 194162103 13,713 273,984 SH OTHER 264,603 3,600 5,781
COLONIAL BANCGROUP INC COM 195493309 109 6,265 SH DEFINED 6,265
COLONIAL BANCGROUP INC COM 195493309 82 4,745 SH OTHER 4,745
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 61 1,550 SH DEFINED 1,550
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 294 7,425 SH OTHER 7,425
COMCAST CORP NEW CL A CL A 20030N101 846 25,792 SH DEFINED 22,838 1,393 1,561
COMCAST CORP NEW CL A CL A 20030N101 447 13,635 SH OTHER 10,315 692 2,628
COMCAST CORP NEW CL A SPL 20030N200 6,414 204,981 SH DEFINED 149,069 270 55,642
COMCAST CORP NEW CL A SPL 20030N200 899 28,725 SH OTHER 26,150 2,575
COMPASS BANCSHARES, INC. COM 20449H109 2,384 60,579 SH DEFINED 60,579
COMPASS BANCSHARES, INC. COM 20449H109 4,809 122,208 SH OTHER 109,243 12,965
COMSTOCK RESOURCES INC COM NEW 205768203 304 15,750 SH DEFINED 15,750
CONAGRA FOODS INC COM COM 205887102 1,623 61,510 SH DEFINED 59,210 500 1,800
CONAGRA FOODS INC COM COM 205887102 755 28,612 SH OTHER 28,412 200
CONCURRENT COMPUTER CORP NEW COM 206710204 66 15,000 SH DEFINED 15,000
CONOCO/PHILLIPS COM 20825C104 7,809 119,091 SH DEFINED 114,466 1,800 2,825
CONOCO/PHILLIPS COM 20825C104 1,143 17,430 SH OTHER 11,559 5,095 776
CONSOLIDATED EDISON INC COM 209115104 104 2,411 SH DEFINED 2,411
CONSOLIDATED EDISON INC COM 209115104 189 4,400 SH OTHER 3,900 300 200
COOPER CAMERON CORP COM 216640102 422 9,055 SH DEFINED 9,055
COOPER CAMERON CORP COM 216640102 20 425 SH OTHER 425
COSTCO WHSL CORP COM 22160K105 298 8,020 SH DEFINED 7,680 340
COSTCO WHSL CORP COM 22160K105 82 2,200 SH OTHER 2,200
COX COMMUNICATIONS INC NEW CL A 224044107 28,941 840,082 SH DEFINED 840,082
DNP SELECT INCOME FD COM 23325P104 1,808 165,007 SH DEFINED 164,207 800
DNP SELECT INCOME FD COM 23325P104 348 31,725 SH OTHER 30,145 1,580
DTE ENERGY CO COM 233331107 285 7,238 SH DEFINED 6,928 310
DTE ENERGY CO COM 233331107 2 50 SH OTHER 50
DEERE & CO COM 244199105 288 4,432 SH DEFINED 4,308 124
DEERE & CO COM 244199105 159 2,439 SH OTHER 2,400 39
DEL MONTE FOODS CO COM 24522P103 139 13,394 SH DEFINED 13,294 100
DEL MONTE FOODS CO COM 24522P103 19 1,827 SH OTHER 1,427 400
DELL INC COM 24702R101 6,775 199,383 SH DEFINED 190,695 8,688
DELL INC COM 24702R101 1,021 30,045 SH OTHER 25,881 3,320 844
DELPHI CORP COM 247126105 285 27,953 SH DEFINED 27,953
DELPHI CORP COM 247126105 29 2,816 SH OTHER 2,188 419 209
DELTIC TIMBER CORP COM 247850100 1,627 53,528 SH DEFINED 53,528
DEUTSCHE TELEKOM AG SPONSORED ADR 251566105 242 13,333 SH DEFINED 11,528 1,805
DEVON ENERGY CORPORATION NEW COM 25179M103 347 6,058 SH DEFINED 6,058
DEVON ENERGY CORPORATION NEW COM 25179M103 2 30 SH OTHER 30
DIAL CORP NEW COM COM 25247D101 1,070 37,576 SH DEFINED 36,128 1,348 100
DIAL CORP NEW COM COM 25247D101 116 4,087 SH OTHER 2,476 1,086 525
DIAMONDS TR UNIT SER 1 252787106 228 2,178 SH DEFINED 2,153 25
DIAMONDS TR UNIT SER 1 252787106 69 660 SH OTHER 660
WALT DISNEY COMPANY COM DISNEY 254687106 3,258 139,668 SH DEFINED 76,443 620 62,605
WALT DISNEY COMPANY COM DISNEY 254687106 1,015 43,524 SH OTHER 15,152 17,082 11,290
DOMINION RES INC VA NEW COM 25746U109 974 15,254 SH DEFINED 14,824 430
DOMINION RES INC VA NEW COM 25746U109 50 790 SH OTHER 300 100 390
DOVER CORP COM 260003108 465 11,706 SH DEFINED 8,271 3,435
DOVER CORP COM 260003108 149 3,745 SH OTHER 3,041 704
DOW CHEM CO COM COM 260543103 1,039 24,996 SH DEFINED 24,496 500
DOW CHEM CO COM COM 260543103 447 10,762 SH OTHER 4,308 3,600 2,854
DREYFUS STRATEGIC MUNS INC COM 261932107 492 50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 33 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 454 51,548 SH DEFINED 51,548
DU PONT E I DE NEMOURS & CO COM 263534109 9,291 202,453 SH DEFINED 201,392 1,061
DU PONT E I DE NEMOURS & CO COM 263534109 3,048 66,417 SH OTHER 52,150 3,501 10,766
DUKE ENERGY CORP COM 264399106 1,308 63,978 SH DEFINED 62,428 1,550
DUKE ENERGY CORP COM 264399106 445 21,779 SH OTHER 19,354 2,425
DUN & BRADSTREET CORP DEL NE COM 26483E100 200 3,943 SH DEFINED 3,279 664
DUN & BRADSTREET CORP DEL NE COM 26483E100 20 400 SH OTHER 400
DURECT CORP COM 266605104 126 50,281 SH OTHER 50,281
E M C CORP MASS COM 268648102 962 74,441 SH DEFINED 74,154 287
E M C CORP MASS COM 268648102 432 33,442 SH OTHER 24,935 8,214 293
E TRADE FINL CORP COM 269246104 312 24,650 SH DEFINED 24,650
E TRADE FINL CORP COM 269246104 3 250 SH OTHER 250
EASTMAN CHEM CO COM 277432100 251 6,339 SH DEFINED 5,344 995
EASTMAN CHEM CO COM 277432100 64 1,628 SH OTHER 1,268 297 63
EATON CORP COM 278058102 621 5,755 SH DEFINED 4,257 1,498
EATON CORP COM 278058102 24 225 SH OTHER 100 125
EATON VANCE MUNI INCOME TR FD SH BEN INT 27826U108 565 35,732 SH DEFINED 35,732
EATON VANCE INS MUN BD FD COM 27827X101 278 20,000 SH DEFINED 20,000
EBAY INC COM 278642103 447 6,914 SH DEFINED 3,244 3,670
EBAY INC COM 278642103 219 3,386 SH OTHER 526 2,860
EL PASO CORP COM 28336L109 85 10,395 SH DEFINED 8,370 2,025
EL PASO CORP COM 28336L109 81 9,897 SH OTHER 8,897 1,000
ELECTRONIC ARTS COM 285512109 21 430 SH DEFINED 430
ELECTRONIC ARTS COM 285512109 310 6,500 SH OTHER 6,500
ELECTRONIC DATA SYS CORP NEW COM 285661104 3,249 132,409 SH DEFINED 121,619 8,710 2,080
ELECTRONIC DATA SYS CORP NEW COM 285661104 507 20,668 SH OTHER 13,698 6,570 400
EMERSON ELECTRIC CO COM 291011104 4,585 70,813 SH DEFINED 69,840 973
EMERSON ELECTRIC CO COM 291011104 1,116 17,231 SH OTHER 13,665 3,360 206
ENBRIDGE ENERGY PARTNERS L P COM 29250R106 112 2,250 SH DEFINED 2,250
ENBRIDGE ENERGY PARTNERS L P COM 29250R106 100 2,000 SH OTHER 2,000
ENERGEN CORP COM 29265N108 234 5,700 SH DEFINED 5,400 300
ENERGEN CORP COM 29265N108 267 6,500 SH OTHER 4,850 1,650
ENERGYSOUTH INC COM 292970100 1,571 44,881 SH DEFINED 44,881
ENERGYSOUTH INC COM 292970100 105 3,000 SH OTHER 3,000
THE ENSTAR GROUP INC COM 29358R107 917 19,500 SH DEFINED 19,500
ENTERASYS NETWORKS INC COM 293637104 41 11,032 SH DEFINED 3,595 7,437
ENTERGY CORP COM 29364G103 355 6,208 SH DEFINED 6,208
ENTERGY CORP COM 29364G103 63 1,100 SH OTHER 100 1,000
EXELON CORP COM 30161N101 737 11,110 SH DEFINED 9,051 2,059
EXELON CORP COM 30161N101 134 2,019 SH OTHER 1,107 757 155
EXXON MOBIL CORP COM 30231G102 44,973 1,096,903 SH DEFINED 1,045,557 6,750 44,596
EXXON MOBIL CORP COM 30231G102 16,007 390,411 SH OTHER 307,668 58,795 23,948
FPL GROUP INC COM 302571104 2,039 31,165 SH DEFINED 31,165
FPL GROUP INC COM 302571104 222 3,400 SH OTHER 2,700 700
FAMILY DOLLAR STORES INC COM 307000109 1,396 38,916 SH DEFINED 36,422 100 2,394
FAMILY DOLLAR STORES INC COM 307000109 162 4,520 SH OTHER 3,990 530
FREDDIE MAC COM 313400301 725 12,432 SH DEFINED 12,216 216
FREDDIE MAC COM 313400301 114 1,961 SH OTHER 1,550 411
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 3,597 47,918 SH DEFINED 46,165 1,753
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 1,299 17,303 SH OTHER 12,500 4,000 803
FEDERAL REALTY INV TR (REIT) SH BEN INT NEW 313747206 296 7,700 SH DEFINED 7,400 300
FEDERATED DEPT STORES INC NEW COM 31410H101 238 5,055 SH DEFINED 1,885 3,170
FEDERATED DEPT STORES INC NEW COM 31410H101 11 225 SH OTHER 225
FEDEX CORP COM 31428X106 7,430 110,068 SH DEFINED 71,641 38,427
FEDEX CORP COM 31428X106 680 10,075 SH OTHER 9,525 550
FIRST DATA CORP COM 319963104 2,936 71,446 SH DEFINED 65,237 6,209
FIRST DATA CORP COM 319963104 406 9,874 SH OTHER 9,104 400 370
FIRST TENNESSEE NATIONAL CORP COM 337162101 1,963 44,524 SH DEFINED 20,773 1,800 21,951
FIRST TENNESSEE NATIONAL CORP COM 337162101 524 11,875 SH OTHER 10,650 1,225
FIRSTENERGY CORP COM 337932107 406 11,523 SH DEFINED 11,523
FIRSTENERGY CORP COM 337932107 7 190 SH OTHER 190
FLEETBOSTON FINL CORP COM 339030108 971 22,255 SH DEFINED 22,255
FLEETBOSTON FINL CORP COM 339030108 140 3,202 SH OTHER 3,202
FORD MTR CO DEL COM PAR $0.01 345370860 265 16,569 SH DEFINED 15,494 1,075
FORD MTR CO DEL COM PAR $0.01 345370860 181 11,301 SH OTHER 5,370 5,598 333
FOREST LABS INC COM 345838106 8,370 135,440 SH DEFINED 134,705 370 365
FOREST LABS INC COM 345838106 483 7,815 SH OTHER 6,665 1,150
FORTUNE BRANDS INC COM 349631101 644 9,006 SH DEFINED 8,423 583
FORTUNE BRANDS INC COM 349631101 139 1,950 SH OTHER 1,950
FRANKLIN RES INC COM 354613101 1,719 33,028 SH DEFINED 31,358 1,670
FRANKLIN RES INC COM 354613101 52 1,000 SH OTHER 1,000
GALLAGHER ARTHUR J & CO COM 363576109 422 12,979 SH DEFINED 12,774 205
GALLAGHER ARTHUR J & CO COM 363576109 42 1,300 SH OTHER 900 400
GANNETT INC COM 364730101 1,851 20,762 SH DEFINED 17,132 3,630
GANNETT INC COM 364730101 1,789 20,064 SH OTHER 13,632 1,296 5,136
GAP INC COM 364760108 4,793 206,499 SH DEFINED 205,649 400 450
GAP INC COM 364760108 490 21,120 SH OTHER 15,290 5,830
GENENTECH INC COM NEW 368710406 736 7,864 SH DEFINED 5,133 2,731
GENENTECH INC COM NEW 368710406 242 2,585 SH OTHER 385 2,200
GENERAL DYNAMICS CORP COM 369550108 1,747 19,324 SH DEFINED 17,714 1,610
GENERAL DYNAMICS CORP COM 369550108 27 300 SH OTHER 200 100
GENERAL ELECTRIC CO COM 369604103 33,597 1,084,464 SH DEFINED 1,048,868 3,630 31,966
GENERAL ELECTRIC CO COM 369604103 18,567 599,325 SH OTHER 521,274 61,927 16,124
GENERAL MILLS INC COM 370334104 2,153 47,521 SH DEFINED 44,451 100 2,970
GENERAL MILLS INC COM 370334104 612 13,514 SH OTHER 10,899 2,340 275
GENERAL MOTORS CORP COM 370442105 2,966 55,547 SH DEFINED 35,621 19,926
GENERAL MOTORS CORP COM 370442105 692 12,951 SH OTHER 11,211 1,440 300
GENUINE PARTS CO COM 372460105 1,455 43,821 SH DEFINED 37,241 2,080 4,500
GENUINE PARTS CO COM 372460105 679 20,451 SH OTHER 18,041 2,410
GEORGIA PAC CORP (GA PAC GR) COM 373298108 3,025 98,645 SH DEFINED 98,645
GEORGIA PAC CORP (GA PAC GR) COM 373298108 15 500 SH OTHER 500
GILLETTE CO COM 375766102 4,415 120,204 SH DEFINED 117,784 720 1,700
GILLETTE CO COM 375766102 2,109 57,425 SH OTHER 37,315 6,710 13,400
GLAXO SMITHKLINE SPONSORED ADR 37733W105 541 11,595 SH DEFINED 8,820 2,775
GLAXO SMITHKLINE SPONSORED ADR 37733W105 163 3,500 SH OTHER 3,500
GOLDEN WEST FINL CORP DEL COM 381317106 291 2,822 SH DEFINED 1,390 1,432
GOLDEN WEST FINL CORP DEL COM 381317106 12 115 SH OTHER 115
GOLDMAN SACHS GROUP INC COM 38141G104 453 4,588 SH DEFINED 4,025 563
GOLDMAN SACHS GROUP INC COM 38141G104 20 198 SH OTHER 100 98
GOODRICH CORP COM 382388106 399 13,450 SH DEFINED 12,450 1,000
GOODRICH CORP COM 382388106 71 2,400 SH OTHER 2,400
GRAINGER W W INC COM 384802104 237 5,000 SH OTHER 5,000
GREAT PLAINS ENERGY INC COM 391164100 74 2,330 SH DEFINED 2,330
GREAT PLAINS ENERGY INC COM 391164100 134 4,200 SH OTHER 1,000 3,200
HCA-INC COM 404119109 878 20,446 SH DEFINED 19,331 1,115
HCA-INC COM 404119109 11 260 SH OTHER 200 60
HSBC HLDGS PLC SPON ADR NEW 404280406 290 3,678 SH DEFINED 2,860 818
HSBC HLDGS PLC SPON ADR NEW 404280406 292 3,705 SH OTHER 3,705
HARLEY DAVIDSON INC COM 412822108 416 8,756 SH DEFINED 6,005 2,751
HARTFORD FINL SVCS GROUP INC COM 416515104 207 3,510 SH DEFINED 3,100 410
HARTFORD FINL SVCS GROUP INC COM 416515104 8 140 SH OTHER 140
HEALTH NET INC COM 42222G108 285 8,727 SH DEFINED 4,924 3,803
HEALTH NET INC COM 42222G108 8 245 SH OTHER 245
HEINZ H J CO COM 423074103 1,526 41,878 SH DEFINED 41,878
HEINZ H J CO COM 423074103 308 8,445 SH OTHER 7,545 900
HERSHEY FOODS CORP COM 427866108 311 4,035 SH DEFINED 4,035
HERSHEY FOODS CORP COM 427866108 362 4,700 SH OTHER 3,600 1,100
HEWLETT PACKARD CO COM 428236103 3,203 139,461 SH DEFINED 133,014 6,447
HEWLETT PACKARD CO COM 428236103 1,085 47,254 SH OTHER 41,919 2,525 2,810
HIBERNIA CORP CL A 428656102 652 27,712 SH DEFINED 27,712
HILTON HOTELS COM 432848109 1,360 79,402 SH DEFINED 6,285 73,117
HOME DEPOT INC COM 437076102 4,236 119,371 SH DEFINED 110,198 9,173
HOME DEPOT INC COM 437076102 1,239 34,906 SH OTHER 29,495 2,350 3,061
HONEYWELL INTERNATIONAL INC COM 438516106 698 20,883 SH DEFINED 19,175 1,708
HONEYWELL INTERNATIONAL INC COM 438516106 402 12,039 SH OTHER 2,875 9,164
HUGOTON RTY TR TEX UNIT BEN INT 444717102 33 1,500 SH DEFINED 1,500
HUGOTON RTY TR TEX UNIT BEN INT 444717102 219 10,000 SH OTHER 10,000
HUMANA INC COM 444859102 251 10,972 SH DEFINED 10,972
HUMANA INC COM 444859102 67 2,950 SH OTHER 2,950
HUNTINGTON BANCSHARES INC COM 446150104 225 10,000 SH DEFINED 10,000
ILLINOIS TOOL WKS INC COM 452308109 474 5,643 SH DEFINED 5,428 215
IMMUCOR INC COM 452526106 201 9,837 SH DEFINED 9,837
INTEL CORP COM 458140100 18,851 588,179 SH DEFINED 531,710 3,400 53,069
INTEL CORP COM 458140100 7,000 218,410 SH OTHER 173,221 36,511 8,678
INTL BUSINESS MACHINES CORP COM 459200101 12,537 135,274 SH DEFINED 125,626 9,648
INTL BUSINESS MACHINES CORP COM 459200101 4,506 48,624 SH OTHER 38,867 9,012 745
INTERNATIONAL GAME TECHNOLOGY COM 459902102 1,411 39,514 SH DEFINED 39,102 412
INTERNATIONAL GAME TECHNOLOGY COM 459902102 7 204 SH OTHER 204
INTERNATIONAL PAPER CO COM 460146103 6,424 149,005 SH DEFINED 148,663 342
INTERNATIONAL PAPER CO COM 460146103 1,462 33,907 SH OTHER 32,424 1,396 87
ISHARES INC MSCI JAPAN 464286848 106 10,959 SH DEFINED 5,000 5,959
ISHARES INC MSCI JAPAN 464286848 96 10,000 SH OTHER 10,000
ISHARES TR DJ SEL DIV INX 464287168 215 4,000 SH DEFINED 4,000
ISHARES TR DJ US UTILS 464287697 216 3,750 SH DEFINED 3,750
ISHARES TR DJ US UTILS 464287697 125 2,163 SH OTHER 2,163
ISHARES TR S&P SMLCP VALU 464287879 171 1,700 SH DEFINED 1,700
ISHARES TR S&P SMLCP VALU 464287879 151 1,500 SH OTHER 1,500
JP MORGAN CHASE & CO COM 46625H100 3,533 96,198 SH DEFINED 87,847 8,351
JP MORGAN CHASE & CO COM 46625H100 1,189 32,358 SH OTHER 26,383 5,735 240
JEFFERSON PILOT CORP COM 475070108 3,999 78,954 SH DEFINED 73,462 5,492
JEFFERSON PILOT CORP COM 475070108 4,996 98,639 SH OTHER 58,651 6,238 33,750
JOHNSON & JOHNSON COM 478160104 16,509 319,573 SH DEFINED 303,059 2,000 14,514
JOHNSON & JOHNSON COM 478160104 5,562 107,667 SH OTHER 82,730 14,110 10,827
KLA - TENCOR CORPORATION COM 482480100 731 12,489 SH DEFINED 12,489
KLA - TENCOR CORPORATION COM 482480100 234 4,000 SH OTHER 4,000
KANEB PIPE LINE PARTNERS L P SR PREF UNIT 484169107 210 4,140 SH DEFINED 2,940 1,200
KANEB PIPE LINE PARTNERS L P SR PREF UNIT 484169107 30 600 SH OTHER 600
KELLOGG CO COM 487836108 545 14,314 SH DEFINED 14,314
KELLOGG CO COM 487836108 457 12,000 SH OTHER 10,400 1,600
KEYCORP NEW COM 493267108 1,272 43,391 SH DEFINED 42,171 1,220
KEYCORP NEW COM 493267108 145 4,950 SH OTHER 4,150 800
KIMBERLY CLARK CORP COM 494368103 4,178 70,701 SH DEFINED 67,841 2,860
KIMBERLY CLARK CORP COM 494368103 2,439 41,268 SH OTHER 36,480 4,638 150
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 496 10,073 SH DEFINED 9,073 1,000
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 435 8,819 SH OTHER 8,819
KNIGHT RIDDER INC COM 499040103 1,434 18,533 SH DEFINED 3,533 15,000
KOHLS CORP COM 500255104 179 3,985 SH DEFINED 3,145 840
KOHLS CORP COM 500255104 562 12,505 SH OTHER 3,810 8,695
KONINKLIJKE PHILIPS ELECTRS NY REG SH NEW 500472303 512 17,600 SH DEFINED 1,200 16,400
KRAFT FOODS INC CL A 50075N104 913 28,330 SH DEFINED 26,930 1,400
KRAFT FOODS INC CL A 50075N104 65 2,020 SH OTHER 1,625 295 100
KROGER CO COM 501044101 529 28,576 SH DEFINED 4,685 23,891
KROGER CO COM 501044101 9 500 SH OTHER 500
LABORATORY CORP AMER HLDGS COM NEW 50540R409 229 6,200 SH DEFINED 6,200
LABORATORY CORP AMER HLDGS COM NEW 50540R409 18 500 SH OTHER 500
LEGGETT & PLATT INC COM 524660107 1,083 50,075 SH DEFINED 50,075
LEHMAN BROS HLDGS INC COM 524908100 2,117 27,421 SH DEFINED 25,424 1,997
LEHMAN BROS HLDGS INC COM 524908100 249 3,229 SH OTHER 3,104 125
LENNAR CORP CL A 526057104 252 2,630 SH DEFINED 1,041 1,589
LENNAR CORP CL A 526057104 12 120 SH OTHER 120
LEXMARK INTL INC CL A 529771107 228 2,896 SH DEFINED 1,041 1,855
LEXMARK INTL INC CL A 529771107 9 115 SH OTHER 115
LILLY ELI & CO COM 532457108 7,688 109,317 SH DEFINED 100,080 9,237
LILLY ELI & CO COM 532457108 2,206 31,362 SH OTHER 24,212 2,250 4,900
LIMITED BRANDS INC COM 532716107 158 8,743 SH DEFINED 8,343 400
LIMITED BRANDS INC COM 532716107 23 1,300 SH OTHER 1,300
LINCOLN NATIONAL CORP IND COM 534187109 646 16,000 SH DEFINED 15,600 100 300
LINCOLN NATIONAL CORP IND COM 534187109 378 9,369 SH OTHER 9,369
LIZ CLAIBORNE INC COM 539320101 1,348 38,003 SH DEFINED 34,423 3,580
LIZ CLAIBORNE INC COM 539320101 67 1,880 SH OTHER 1,600 280
LOCKHEED MARTIN CORP COM 539830109 361 7,014 SH DEFINED 6,969 45
LOCKHEED MARTIN CORP COM 539830109 181 3,517 SH OTHER 3,517
LOEWS CORP COM 540424108 42 855 SH DEFINED 645 210
LOEWS CORP COM 540424108 890 18,000 SH OTHER 18,000
LOUISIANA PACIFIC CORP COM 546347105 1,689 94,469 SH DEFINED 94,469
LOWES COS INC COM 548661107 3,820 68,959 SH DEFINED 66,816 2,143
LOWES COS INC COM 548661107 560 10,106 SH OTHER 7,890 2,216
LUCENT TECHNOLOGIES INC COM 549463107 96 33,972 SH DEFINED 26,522 7,450
LUCENT TECHNOLOGIES INC COM 549463107 33 11,743 SH OTHER 5,012 6,231 500
LUFKIN INDUSTRIES INCORPORATED COM 549764108 805 27,984 SH DEFINED 27,984
LUFKIN INDUSTRIES INCORPORATED COM 549764108 863 30,000 SH OTHER 30,000
MBNA CORP COM 55262L100 744 29,927 SH DEFINED 24,943 4,984
MBNA CORP COM 55262L100 29 1,171 SH OTHER 420 751
MANULIFE FINL CORP ADR COM 56501R106 530 16,414 SH DEFINED 16,064 350
MARATHON OIL CORP COM 565849106 585 17,668 SH DEFINED 17,143 525
MARATHON OIL CORP COM 565849106 101 3,062 SH OTHER 2,040 390 632
MARSH & MCLENNAN COS INC COM 571748102 2,668 55,712 SH DEFINED 54,337 150 1,225
MARSH & MCLENNAN COS INC COM 571748102 607 12,680 SH OTHER 4,950 900 6,830
MARRIOTT INTL INC NEW CL A 571903202 2,843 61,529 SH DEFINED 23,666 37,863
MARRIOTT INTL INC NEW CL A 571903202 323 7,000 SH OTHER 1,100 500 5,400
MASCO CORP COM 574599106 339 12,356 SH DEFINED 10,469 1,887
MASCO CORP COM 574599106 343 12,521 SH OTHER 4,300 8,221
MATSUSHITA ELEC INDL LTD ADR 576879209 155 11,155 SH DEFINED 8,490 2,665
MATTEL, INC. COM 577081102 309 16,021 SH DEFINED 9,901 6,120
MATTEL, INC. COM 577081102 6 320 SH OTHER 320
MAXIM INTEGRATED PRODS INC COM 57772K101 395 7,959 SH DEFINED 3,364 4,595
MAXIM INTEGRATED PRODS INC COM 57772K101 18 370 SH OTHER 137 233
MAYTAG CORP COM 578592107 17,500 628,356 SH DEFINED 597,948 30,408
MAYTAG CORP COM 578592107 65 2,350 SH OTHER 2,350
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 1,095 36,386 SH DEFINED 36,386
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 53 1,776 SH OTHER 1,776
MCDONALDS CORP COM 580135101 1,073 43,227 SH DEFINED 43,227
MCDONALDS CORP COM 580135101 286 11,500 SH OTHER 8,500 1,400 1,600
MCGRAW-HILL COMPANIES INC NEW COM 580645109 776 11,098 SH DEFINED 11,098
MCGRAW-HILL COMPANIES INC NEW COM 580645109 84 1,200 SH OTHER 1,200
MCKESSON CORPORATION COM 58155Q103 228 7,093 SH DEFINED 5,538 1,555
MCKESSON CORPORATION COM 58155Q103 115 3,583 SH OTHER 3,383 200
MEADWESTVACO CORP COM 583334107 131 4,398 SH DEFINED 4,398
MEADWESTVACO CORP COM 583334107 2,377 79,914 SH OTHER 27,020 3,240 49,654
MEDCO HEALTH SOLUTIONS INC COM 58405U102 199 5,869 SH DEFINED 5,815 54
MEDCO HEALTH SOLUTIONS INC COM 58405U102 337 9,927 SH OTHER 6,488 763 2,676
MEDIMMUNE INC COM 584699102 238 9,395 SH DEFINED 4,660 4,735
MEDTRONIC INC COM 585055106 5,450 112,108 SH DEFINED 110,337 1,771
MEDTRONIC INC COM 585055106 2,654 54,605 SH OTHER 35,900 7,800 10,905
MELLON FINL CORP COM 58551A108 268 8,336 SH DEFINED 8,336
MELLON FINL CORP COM 58551A108 39 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 11,360 245,896 SH DEFINED 232,696 13,200
MERCK & CO INC COM 589331107 7,007 151,663 SH OTHER 115,055 12,808 23,800
MERRILL LYNCH & CO INC COM 590188108 690 11,760 SH DEFINED 10,960 800
MERRILL LYNCH & CO INC COM 590188108 35 600 SH OTHER 600
METLIFE INC COM 59156R108 345 10,257 SH DEFINED 6,162 4,095
METLIFE INC COM 59156R108 16 488 SH OTHER 213 275
MICROSOFT CORP COM 594918104 15,993 584,334 SH DEFINED 533,963 6,356 44,015
MICROSOFT CORP COM 594918104 4,119 150,496 SH OTHER 119,287 20,348 10,861
MID-AMER APT CMNTYS INC (REIT) COM 59522J103 307 9,150 SH DEFINED 2,120 7,030
MIDCAP SPDR TR UNIT SER 1 595635103 346 3,281 SH DEFINED 1,800 1,481
MITSUBISHI TOKYO FINL GROUP SPONSORED ADR 606816106 136 17,370 SH DEFINED 13,350 4,020
MONSANTO CO NEW COM 61166W101 154 5,353 SH DEFINED 4,842 511
MONSANTO CO NEW COM 61166W101 86 2,994 SH OTHER 2,790 204
MOODYS CORP COM 615369105 407 6,725 SH DEFINED 6,255 470
MOODYS CORP COM 615369105 48 800 SH OTHER 800
MORGAN STANLEY COM NEW 617446448 9,437 163,075 SH DEFINED 148,694 14,381
MORGAN STANLEY COM NEW 617446448 947 16,370 SH OTHER 15,600 600 170
MOTOROLA INC COM 620076109 1,246 88,995 SH DEFINED 85,980 3,015
MOTOROLA INC COM 620076109 491 35,075 SH OTHER 30,675 4,400
MUNICIPAL MORTGAGE & EQUITY LLC GROWTH SHS 62624B101 225 9,071 SH DEFINED 3,571 5,500
MUNIVEST FD INC COM 626295109 27 2,956 SH DEFINED 2,956
MUNIVEST FD INC COM 626295109 103 11,200 SH OTHER 11,200
MURPHY OIL CORP COM 626717102 2,390 36,599 SH DEFINED 36,599
MURPHY OIL CORP COM 626717102 19 293 SH OTHER 293
MYLAN LABORATORIES INC COM 628530107 267 10,572 SH DEFINED 5,272 5,300
MYLAN LABORATORIES INC COM 628530107 10 400 SH OTHER 400
NASDAQ 100 TR UNIT SER 1 631100104 639 17,539 SH DEFINED 10,371 7,168
NASDAQ 100 TR UNIT SER 1 631100104 99 2,720 SH OTHER 1,500 1,220
NATIONAL CITY CORP COM 635405103 559 16,466 SH DEFINED 12,666 3,800
NATIONAL CITY CORP COM 635405103 70 2,060 SH OTHER 2,000 60
NATIONAL COMM FINL CORP COM 63545P104 1,417 51,958 SH DEFINED 44,713 7,245
NATIONAL COMM FINL CORP COM 63545P104 124 4,528 SH OTHER 4,360 168
NETWORK APPLIANCE INC DELEWARE COM 64120L104 653 31,951 SH DEFINED 20,742 11,209
NETWORK APPLIANCE INC DELEWARE COM 64120L104 15 730 SH OTHER 730
NEW YORK TIMES CO CL A CL A 650111107 260 5,450 SH DEFINED 5,450
NEW YORK TIMES CO CL A CL A 650111107 10 200 SH OTHER 200
NEWMONT MINING CORP (NEW) COM 651639106 8,102 166,684 SH DEFINED 161,894 3,440 1,350
NEWMONT MINING CORP (NEW) COM 651639106 596 12,261 SH OTHER 7,818 4,210 233
NEWS CORP LTD SPONSORED ADR PFD SP ADR PFD 652487802 276 9,109 SH DEFINED 307 8,802
NEWS CORP LTD SPONSORED ADR PFD SP ADR PFD 652487802 8 277 SH OTHER 185 92
NEXTEL COMMUNICATIONS INC CL A 65332V103 567 20,211 SH DEFINED 10,989 9,222
NEXTEL COMMUNICATIONS INC CL A 65332V103 12 410 SH OTHER 410
NIKE INC CL B CL B 654106103 1,808 26,410 SH DEFINED 26,335 75
NIKE INC CL B CL B 654106103 113 1,650 SH OTHER 850 800
NOKIA CORP SPONSORED ADR 654902204 1,064 62,617 SH DEFINED 58,494 4,123
NOKIA CORP SPONSORED ADR 654902204 278 16,360 SH OTHER 1,800 14,560
NORFOLK SOUTHERN CORPORATION COM 655844108 485 20,518 SH DEFINED 20,518
NORFOLK SOUTHERN CORPORATION COM 655844108 400 16,917 SH OTHER 13,662 3,255
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 93 2,370 SH DEFINED 1,870 500
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 216 5,500 SH OTHER 4,000 1,500
NORTHROP GRUMMAN CORP COM 666807102 4,041 42,267 SH DEFINED 41,387 800 80
NORTHROP GRUMMAN CORP COM 666807102 600 6,279 SH OTHER 3,159 710 2,410
NOVARTIS AG ADR SPONSORED ADR 66987V109 277 6,044 SH DEFINED 4,720 1,324
NVIDIA CORP COM 67066G104 2,649 114,185 SH DEFINED 113,885 300
NVIDIA CORP COM 67066G104 246 10,600 SH OTHER 10,600
NUVEEN DIVIDEND ADV MUNI 3 COM SH BEN INT 67070X101 286 20,000 SH DEFINED 20,000
NUVEEN INSD DIVID ADVANTAGE COM 67071L106 167 11,000 SH DEFINED 11,000
NUVEEN MUN VALUE FD INC COM 670928100 138 14,756 SH DEFINED 14,756
NUVEEN MUN VALUE FD INC COM 670928100 12 1,333 SH OTHER 1,333
NUVEEN TEX QUAL INCM MUN FD COM 670983105 784 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 553 13,102 SH DEFINED 9,272 3,830
OCCIDENTAL PETE CORP COM 674599105 31 740 SH OTHER 500 240
OLD REPUBLIC INTL CORP COM 680223104 460 18,128 SH DEFINED 12,442 5,686
OLD REPUBLIC INTL CORP COM 680223104 12,076 476,169 SH OTHER 103,779 372,000 390
OMNICOM GROUP COM 681919106 111 1,273 SH DEFINED 1,000 273
OMNICOM GROUP COM 681919106 593 6,791 SH OTHER 3,500 3,291
ORACLE CORPORATION COM 68389X105 4,998 377,752 SH DEFINED 351,031 7,900 18,821
ORACLE CORPORATION COM 68389X105 1,077 81,411 SH OTHER 28,730 13,000 39,681
PNC FINANCIAL SERVICES GROUP COM 693475105 690 12,600 SH DEFINED 12,600
PNC FINANCIAL SERVICES GROUP COM 693475105 69 1,260 SH OTHER 750 510
PPG INDUSTRIES INC COM 693506107 150 2,337 SH DEFINED 2,220 117
PPG INDUSTRIES INC COM 693506107 323 5,039 SH OTHER 4,600 400 39
PACCAR INC COM 693718108 306 3,600 SH DEFINED 3,600
PACCAR INC COM 693718108 103 1,206 SH OTHER 1,206
PACIFICARE HLTH SYS INC DEL COM 695112102 331 4,900 SH DEFINED 4,900
PARKER HANNIFIN CORP COM 701094104 335 5,625 SH DEFINED 5,625
PAYCHEX INC COM 704326107 2 42 SH DEFINED 42
PAYCHEX INC COM 704326107 216 5,795 SH OTHER 95 5,700
PEPSICO INC COM 713448108 13,950 299,239 SH DEFINED 291,652 5,349 2,238
PEPSICO INC COM 713448108 3,772 80,901 SH OTHER 53,487 16,906 10,508
PFIZER INC COM 717081103 27,350 774,130 SH DEFINED 718,886 9,754 45,490
PFIZER INC COM 717081103 7,416 209,901 SH OTHER 141,168 46,358 22,375
PHARMOS CORP COM NEW 717139208 36 10,300 SH DEFINED 10,300
PHELPS DODGE CORP COM 717265102 1,714 22,532 SH DEFINED 22,382 150
PHELPS DODGE CORP COM 717265102 126 1,653 SH OTHER 500 1,000 153
PIMCO MUN INCOME FD II COM 72200W106 279 20,000 SH DEFINED 20,000
PIMCO MUN INCOME FD III COM 72201A103 285 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 1,277 40,000 SH DEFINED 40,000
PITNEY BOWES INC COM 724479100 1,294 31,846 SH DEFINED 31,846
PITNEY BOWES INC COM 724479100 514 12,650 SH OTHER 12,650
PIXAR INC COM 725811103 250 3,602 SH DEFINED 1,573 2,029
PIXAR INC COM 725811103 4 59 SH OTHER 59
PLUM CREEK TIMBER CO INC (REIT) COM 729251108 2,935 96,375 SH DEFINED 95,992 383
PLUM CREEK TIMBER CO INC (REIT) COM 729251108 97 3,177 SH OTHER 2,127 1,050
PORTUGAL TELECOM SGPS S A SPONSORED ADR 737273102 100 10,018 SH DEFINED 7,826 2,192
PORTUGAL TELECOM SGPS S A SPONSORED ADR 737273102 10 1,020 SH OTHER 1,020
PRAXAIR INC COM 74005P104 434 11,362 SH DEFINED 6,162 5,200
PRAXAIR INC COM 74005P104 138 3,606 SH OTHER 3,606
PROASSURANCE CORP COM 74267C106 712 22,135 SH DEFINED 8,776 13,359
PROASSURANCE CORP COM 74267C106 53 1,633 SH OTHER 1,633
PROCTER & GAMBLE CO COM 742718109 15,225 152,430 SH DEFINED 145,926 3,330 3,174
PROCTER & GAMBLE CO COM 742718109 8,291 83,010 SH OTHER 56,801 8,635 17,574
PROGRESS ENERGY INC COM 743263105 862 19,043 SH DEFINED 18,070 973
PROGRESS ENERGY INC COM 743263105 64 1,422 SH OTHER 1,327 95
PROGRESSIVE CORP OHIO COM 743315103 729 8,722 SH DEFINED 4,084 4,638
PROGRESSIVE CORP OHIO COM 743315103 16 188 SH OTHER 188
PROTECTIVE LIFE CORP COM 743674103 1,315 38,872 SH DEFINED 38,372 500
PROTECTIVE LIFE CORP COM 743674103 6,427 189,937 SH OTHER 189,245 692
PROVIDIAN FINL CORP COM 74406A102 135 11,577 SH DEFINED 2,270 9,307
PROVIDIAN FINL CORP COM 74406A102 165 14,200 SH OTHER 400 13,800
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 398 9,084 SH DEFINED 8,654 430
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 106 2,418 SH OTHER 1,500 750 168
PUTNAM INVT GRADE MUN TR COM 746805100 334 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 309 42,000 SH DEFINED 42,000
QUALCOMM INC COM 747525103 1,253 23,235 SH DEFINED 21,064 2,171
QUALCOMM INC COM 747525103 1,112 20,612 SH OTHER 4,790 5,050 10,772
QUESTAR CORP COM 748356102 424 12,050 SH DEFINED 12,050
QUESTAR CORP COM 748356102 35 1,000 SH OTHER 1,000
RADIOSHACK CORP COM 750438103 209 6,809 SH DEFINED 2,129 4,680
RADIOSHACK CORP COM 750438103 199 6,490 SH OTHER 6,200 290
RAYTHEON CO (NEW) COM NEW 755111507 2,099 69,890 SH DEFINED 68,390 1,500
RAYTHEON CO (NEW) COM NEW 755111507 402 13,390 SH OTHER 11,162 2,028 200
REGIS CORP MINN COM 758932107 209 5,301 SH DEFINED 5,000 301
REGIONS FINANCIAL CORP COM 758940100 95,796 2,575,154 SH DEFINED 2,180,810 7,303 387,041
REGIONS FINANCIAL CORP COM 758940100 52,146 1,401,779 SH OTHER 1,264,214 24,239 113,326
RELIANT RES INC COM 75952B105 49 6,662 SH DEFINED 6,662
RELIANT RES INC COM 75952B105 38 5,197 SH OTHER 315 3,527 1,355
RIO TINTO PLC SPONSORED ADR 767204100 268 2,410 SH DEFINED 2,300 110
RIO TINTO PLC SPONSORED ADR 767204100 2 20 SH OTHER 20
ROCKWELL AUTOMATION INC COM 773903109 242 6,800 SH DEFINED 6,639 161
ROCKWELL AUTOMATION INC COM 773903109 53 1,494 SH OTHER 266 1,228
ROCKWELL COLLINS INC COM 774341101 173 5,750 SH DEFINED 5,750
ROCKWELL COLLINS INC COM 774341101 45 1,494 SH OTHER 266 1,228
ROPER INDS INC NEW COM 776696106 199 4,046 SH DEFINED 1,885 2,161
ROPER INDS INC NEW COM 776696106 8 155 SH OTHER 155
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 3,566 68,066 SH DEFINED 67,125 170 771
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 787 15,014 SH OTHER 14,014 1,000
RUBY TUESDAY INC COM 781182100 6,942 243,677 SH DEFINED 243,677
RUBY TUESDAY INC COM 781182100 243 8,528 SH OTHER 5,528 3,000
SBC COMMUNICATIONS INC NEW COM 78387G103 3,278 125,752 SH DEFINED 119,658 6,094
SBC COMMUNICATIONS INC NEW COM 78387G103 1,139 43,693 SH OTHER 16,571 14,120 13,002
SPDR TR UNIT SER 1 78462F103 8,017 72,040 SH DEFINED 66,460 4,100 1,480
SPDR TR UNIT SER 1 78462F103 886 7,960 SH OTHER 4,560 3,400
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 346 11,943 SH DEFINED 11,943
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 15 500 SH OTHER 250 250
SAFEWAY INC COM NEW 786514208 201 9,159 SH DEFINED 8,454 705
ST PAUL COS INC COM 792860108 246 6,197 SH DEFINED 6,197
ST PAUL COS INC COM 792860108 210 5,298 SH OTHER 5,298
SAKS INC COM 79377W108 346 23,026 SH DEFINED 23,026
SAKS INC COM 79377W108 2 132 SH OTHER 132
SANMINA CORP COM 800907107 49 3,850 SH DEFINED 3,850
SANMINA CORP COM 800907107 85 6,748 SH OTHER 5,932 816
SARA LEE CORP COM 803111103 7,225 332,794 SH DEFINED 168,506 164,288
SARA LEE CORP COM 803111103 369 16,991 SH OTHER 11,621 5,370
SCANA CORP NEW COM 80589M102 853 24,892 SH DEFINED 24,892
SCANA CORP NEW COM 80589M102 240 6,997 SH OTHER 6,897 100
SCHERING-PLOUGH CORP COM 806605101 789 45,358 SH DEFINED 39,773 5,585
SCHERING-PLOUGH CORP COM 806605101 387 22,260 SH OTHER 11,500 10,760
SCHLUMBERGER LTD ADR COM 806857108 3,499 63,937 SH DEFINED 53,137 10,800
SCHLUMBERGER LTD ADR COM 806857108 1,488 27,201 SH OTHER 15,851 2,150 9,200
SCHWAB CHARLES CORP NEW COM 808513105 711 60,050 SH DEFINED 46,860 13,190
SCHWAB CHARLES CORP NEW COM 808513105 6 471 SH OTHER 471
SCUDDER MUN INCOME TR COM SH BEN INT 81118R604 509 41,000 SH DEFINED 41,000
SEARS ROEBUCK & CO COM 812387108 296 6,502 SH DEFINED 6,502
SEARS ROEBUCK & CO COM 812387108 146 3,209 SH OTHER 3,209
SHELL TRANS & TRADING PLC ADR NY SHS NEW 822703609 68 1,505 SH DEFINED 1,200 305
SHELL TRANS & TRADING PLC ADR NY SHS NEW 822703609 135 3,000 SH OTHER 3,000
SHERWIN WILLIAMS CO COM 824348106 275 7,916 SH DEFINED 3,941 3,975
SHERWIN WILLIAMS CO COM 824348106 30 870 SH OTHER 600 270
SIMMONS FIRST NATIONAL CORP CL A $5 PAR 828730200 205 7,440 SH DEFINED 7,440
SIMMONS FIRST NATIONAL CORP CL A $5 PAR 828730200 28 1,000 SH OTHER 1,000
SIMON PPTY GROUP INC NEW (REIT) COM 828806109 85 1,833 SH DEFINED 1,050 783
SIMON PPTY GROUP INC NEW (REIT) COM 828806109 205 4,425 SH OTHER 4,425
SMITH INTL INC COM 832110100 1,519 36,575 SH DEFINED 36,575
SMITH INTL INC COM 832110100 17 400 SH OTHER 400
SOLECTRON CORP COM 834182107 102 17,286 SH DEFINED 7,752 9,534
SOLECTRON CORP COM 834182107 9 SH OTHER 9
SONOCO PRODUCTS CO COM 835495102 74 3,000 SH DEFINED 3,000
SONOCO PRODUCTS CO COM 835495102 153 6,220 SH OTHER 6,220
SOUTHERN CO COM 842587107 7,089 234,361 SH DEFINED 227,491 1,770 5,100
SOUTHERN CO COM 842587107 2,815 93,071 SH OTHER 83,905 6,105 3,061
SOUTHTRUST CORP COM 844730101 5,847 178,580 SH DEFINED 178,380 200
SOUTHTRUST CORP COM 844730101 8,296 253,403 SH OTHER 198,180 38,155 17,068
SOUTHWEST AIRLINES CO COM 844741108 824 51,072 SH DEFINED 44,904 6,168
SOUTHWEST AIRLINES CO COM 844741108 97 6,013 SH OTHER 4,863 1,150
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 93 5,690 SH DEFINED 4,845 845
SPRINT CORP (FON GROUP) COM FON GROUP 852061100 71 4,344 SH OTHER 4,208 136
SPRINT CORP PCS COM SER 1 852061506 109 19,366 SH DEFINED 19,366
SPRINT CORP PCS COM SER 1 852061506 7 1,272 SH OTHER 1,204 68
STARBUCKS CORP COM 855244109 298 8,980 SH DEFINED 5,577 3,403
STARBUCKS CORP COM 855244109 35 1,063 SH OTHER 750 313
STATE STR CORP COM 857477103 427 8,207 SH DEFINED 7,731 476
STATE STR CORP COM 857477103 8 154 SH OTHER 154
STRYKER CORP COM 863667101 498 5,856 SH DEFINED 5,065 791
STRYKER CORP COM 863667101 33 390 SH OTHER 250 140
SUN LIFE FINL INC COM 866796105 282 11,285 SH DEFINED 11,285
SUN MICROSYSTEMS INC COM 866810104 79 17,737 SH DEFINED 17,737
SUN MICROSYSTEMS INC COM 866810104 59 13,200 SH OTHER 6,700 6,000 500
SUNTRUST BANKS INC COM 867914103 2,122 29,675 SH DEFINED 29,055 620
SUNTRUST BANKS INC COM 867914103 1,147 16,035 SH OTHER 14,746 1,289
SYMANTEC CORP COM 871503108 334 9,677 SH DEFINED 3,905 5,772
SYMANTEC CORP COM 871503108 161 4,675 SH OTHER 4,000 675
SYNOVUS FINANCIAL CORP COM 87161C105 700 24,217 SH DEFINED 19,444 450 4,323
SYNOVUS FINANCIAL CORP COM 87161C105 3,976 137,480 SH OTHER 135,565 1,915
SYSCO CORP COM 871829107 2,281 61,257 SH DEFINED 60,397 860
SYSCO CORP COM 871829107 163 4,365 SH OTHER 3,800 400 165
TEPPCO PARTNERS LP UT LTD PARTNER 872384102 426 10,570 SH DEFINED 10,570
TEPPCO PARTNERS LP UT LTD PARTNER 872384102 145 3,600 SH OTHER 3,600
TXU CORP COM 873168108 430 18,148 SH DEFINED 18,148
TXU CORP COM 873168108 26 1,107 SH OTHER 1,101 6
TARGET CORP COM 87612E106 3,273 85,229 SH DEFINED 84,604 625
TARGET CORP COM 87612E106 821 21,378 SH OTHER 15,938 4,425 1,015
TELEFONICA S. A. SPONSORED ADR 879382208 545 12,327 SH DEFINED 11,546 781
TELEPHONE & DATA SYS INC COM 879433100 810 12,957 SH DEFINED 50 12,907
TEMPLETON GLOBAL INCOME FD INC COM 880198106 130 13,707 SH DEFINED 13,707
TEMPLETON GLOBAL INCOME FD INC COM 880198106 10 1,000 SH OTHER 1,000
TEXAS INSTRUMENTS INC COM 882508104 5,781 196,766 SH DEFINED 178,462 18,304
TEXAS INSTRUMENTS INC COM 882508104 1,081 36,800 SH OTHER 32,150 3,730 920
TEXTRON INC COM 883203101 263 4,605 SH OTHER 4,605
THERMO ELECTRON CORP COM 883556102 224 8,895 SH DEFINED 3,320 5,575
THERMO ELECTRON CORP COM 883556102 10 385 SH OTHER 385
THOR INDS INC COM 885160101 270 4,800 SH DEFINED 4,800
3M CO COM 88579Y101 4,129 48,557 SH DEFINED 46,205 2,352
3M CO COM 88579Y101 3,039 35,745 SH OTHER 28,567 2,028 5,150
TIME WARNER INC COM 887317105 446 24,799 SH DEFINED 13,024 11,775
TIME WARNER INC COM 887317105 112 6,231 SH OTHER 5,706 525
TORCHMARK CORP COM 891027104 4,479 98,360 SH DEFINED 97,960 400
TORCHMARK CORP COM 891027104 9,607 210,950 SH OTHER 200,969 9,981
TRIZEC PROPERTIES INC (REIT) COM 89687P107 894 58,045 SH DEFINED 58,045
TYCO INTL LTD NEW ADR COM 902124106 306 11,540 SH DEFINED 10,635 905
TYCO INTL LTD NEW ADR COM 902124106 34 1,274 SH OTHER 1,274
UST INC COM 902911106 1,686 47,244 SH DEFINED 47,014 100 130
UST INC COM 902911106 164 4,600 SH OTHER 4,600
US BANCORP DEL COM NEW COM NEW 902973304 5,402 181,399 SH DEFINED 177,784 3,615
US BANCORP DEL COM NEW COM NEW 902973304 49 1,630 SH OTHER 1,500 130
UNILEVER N V ADR NY SHS NEW 904784709 144 2,215 SH DEFINED 975 1,240
UNILEVER N V ADR NY SHS NEW 904784709 89 1,375 SH OTHER 1,285 90
UNION PACIFIC CORP COM 907818108 2,674 38,492 SH DEFINED 37,722 770
UNION PACIFIC CORP COM 907818108 226 3,250 SH OTHER 3,150 100
UNION PLANTERS CORP COM 908068109 2,520 80,015 SH DEFINED 61,541 18,474
UNION PLANTERS CORP COM 908068109 6,851 217,555 SH OTHER 43,875 173,680
UNITED PARCEL SVC INC CL B 911312106 91 1,226 SH DEFINED 942 284
UNITED PARCEL SVC INC CL B 911312106 540 7,239 SH OTHER 300 6,939
UNITED SEC BANCSHARES INC SHS 911459105 3,261 112,640 SH DEFINED 112,640
UNITED SEC BANCSHARES INC SHS 911459105 29 1,000 SH OTHER 1,000
UNITED TECHNOLOGIES CORP COM 913017109 1,872 19,754 SH DEFINED 17,695 2,059
UNITED TECHNOLOGIES CORP COM 913017109 754 7,953 SH OTHER 7,625 328
UNITEDHEALTH GROUP INC COM 91324P102 882 15,158 SH DEFINED 12,165 2,993
UNITEDHEALTH GROUP INC COM 91324P102 51 868 SH OTHER 400 468
UNOCAL CORP COM 915289102 233 6,322 SH DEFINED 6,322
UNOCAL CORP COM 915289102 37 1,000 SH OTHER 1,000
UNUMPROVIDENT CORP COM 91529Y106 27 1,710 SH DEFINED 1,710
UNUMPROVIDENT CORP COM 91529Y106 391 24,795 SH OTHER 17,681 7,114
V F CORP COM 918204108 2,106 48,716 SH DEFINED 48,716
V F CORP COM 918204108 43 1,000 SH OTHER 1,000
VERIZON COMMUNICATIONS COM 92343V104 5,222 148,856 SH DEFINED 143,749 488 4,619
VERIZON COMMUNICATIONS COM 92343V104 2,271 64,731 SH OTHER 42,513 18,214 4,004
VIACOM INC CL A 925524100 1,575 35,573 SH DEFINED 35,483 90
VIACOM INC CL A 925524100 120 2,700 SH OTHER 1,150 1,550
VIACOM INC CL B 925524308 3,786 85,309 SH DEFINED 78,238 4,678 2,393
VIACOM INC CL B 925524308 289 6,503 SH OTHER 5,475 75 953
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 1,724 71,000 SH DEFINED 71,000
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 93 3,840 SH OTHER 3,840
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 635 25,376 SH DEFINED 22,046 3,330
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 666 26,581 SH OTHER 15,825 5,456 5,300
VULCAN MATERIALS CO COM 929160109 7,244 152,282 SH DEFINED 151,082 1,200
VULCAN MATERIALS CO COM 929160109 12,699 266,961 SH OTHER 200,364 5,219 61,378
WGL HLDGS INC COM 92924F106 180 6,486 SH DEFINED 6,486
WGL HLDGS INC COM 92924F106 25 900 SH OTHER 900
WACHOVIA CORP COM 929903102 4,085 87,687 SH DEFINED 81,440 1,880 4,367
WACHOVIA CORP COM 929903102 851 18,265 SH OTHER 10,443 7,612 210
WADDELL & REED FINL INC CL A CL A 930059100 355 15,115 SH DEFINED 15,115
WADDELL & REED FINL INC CL A CL A 930059100 1,468 62,563 SH OTHER 60,200 2,363
WAL MART STORES INC COM 931142103 12,910 243,357 SH DEFINED 234,115 9,242
WAL MART STORES INC COM 931142103 4,268 80,450 SH OTHER 58,673 21,163 614
WALGREEN CO COM 931422109 2,791 76,724 SH DEFINED 72,196 4,528
WALGREEN CO COM 931422109 129 3,533 SH OTHER 1,600 1,400 533
WASHINGTON MUTUAL INC COM 939322103 2,035 50,726 SH DEFINED 47,190 3,536
WASHINGTON MUTUAL INC COM 939322103 444 11,076 SH OTHER 10,676 130 270
WASTE MANAGEMENT COM COM 94106L109 2,210 74,668 SH DEFINED 26,113 48,555
WASTE MANAGEMENT COM COM 94106L109 7 245 SH OTHER 100 145
WELLS FARGO & CO NEW COM 949746101 8,407 142,757 SH DEFINED 141,202 500 1,055
WELLS FARGO & CO NEW COM 949746101 1,781 30,250 SH OTHER 23,250 7,000
WESBANCO INC COM 950810101 578 20,908 SH DEFINED 20,908
WEYERHAEUSER CO COM 962166104 4,073 63,648 SH DEFINED 55,583 130 7,935
WEYERHAEUSER CO COM 962166104 465 7,264 SH OTHER 5,719 1,300 245
WILLIAMS COS INC COM 969457100 52 5,300 SH DEFINED 5,300
WILLIAMS COS INC COM 969457100 62 6,350 SH OTHER 6,350
WILMINGTON TR CORP COM 971807102 329 9,150 SH DEFINED 9,150
WILMINGTON TR CORP COM 971807102 11 300 SH OTHER 300
WISCONSIN ENERGY CORP COM 976657106 442 13,225 SH DEFINED 13,225
WISCONSIN ENERGY CORP COM 976657106 4 110 SH OTHER 110
WRIGLEY WM JR CO COM 982526105 2,814 50,065 SH DEFINED 50,065
WRIGLEY WM JR CO COM 982526105 742 13,200 SH OTHER 12,200 1,000
WYETH COM 983024100 8,984 211,642 SH DEFINED 197,192 14,450
WYETH COM 983024100 3,573 84,175 SH OTHER 74,398 8,667 1,110
XTO ENERGY INC COM 98385X106 379 13,408 SH DEFINED 12,293 900 215
XILINX INC COM 983919101 1,954 50,589 SH DEFINED 46,509 4,080
XILINX INC COM 983919101 10 250 SH OTHER 250
XEROX CORP COM 984121103 174 12,617 SH DEFINED 10,225 2,392
YAHOO INC COM 984332106 572 12,696 SH DEFINED 8,635 4,061
YAHOO INC COM 984332106 102 2,262 SH OTHER 2,262
YUM BRANDS INC COM 988498101 1,627 47,283 SH DEFINED 1,260 46,023
YUM BRANDS INC COM 988498101 25 732 SH OTHER 300 432
ZIMMER HLDGS INC COM 98956P102 615 8,742 SH DEFINED 7,849 893
ZIMMER HLDGS INC COM 98956P102 221 3,145 SH OTHER 2,470 239 436