UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 3/31/02
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Check here if Amendment [ ]; Amendment Number:
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This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: PEAPACK GLADSTONE FINANCIAL CORPORATION
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Address: 158 ROUTE 206 NORTH
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GLADSTONE, NJ 07934
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Form 13F File Number: 28-
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The Institutional Investment Manager filing this report and the person by whom
it is signed represent that the person signing the report is authorized to
submit it, that all information contained herein is true, correct and complete,
and that it is understood that all required items, statements, schedules,
lists, and tables, are considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: ROY C. MILLER
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Title: VICE PRESIDENT
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Phone: 908 719 3306
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Signature, Place, and Date of Signing:
/s/ Roy C. Miller GLADSTONE, NJ 05/01/02
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[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check if all holdings of this reporting manager are
reported in this report.)
[ ] 13F NOTICE. (Check if no holdings reported are in this report, and all
holdings are reported in this report and a portion are reported by other
reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check if a portion of the holdings for this
reporting manager are reported in this report and a portion are reported by
other reporting manager(s).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
28-
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[Repeat as necessary.]
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers:
Form 13F Information Table Entry Total: 5,449,004
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Form 13F Information Table Value Total: 216,951
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(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
No. Form 13F File Number Name
01 28 -
02 28 -
03 28 -
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
DAIMLER-CHRYSLER AG ORD D1668R123 38 848 SH DEFINED 848 0 0
FOSTER WHEELER LTD G36535105 2 700 SH DEFINED 700 0 0
GLOBAL CROSSING LTD G3921A100 0 400 SH SOLE 400 0 0
GLOBAL CROSSING LTD G3921A100 0 3880 SH DEFINED 2650 0 1230
KNIGHTSBRIDGE TANKERS G5299G106 27 1500 SH DEFINED 1500 0 0
NORDIC AMERN TANKER SHIPPING LTD G65773106 30 2000 SH DEFINED 2000 0 0
TRANSOCEAN SEDCOFOREX HOLDING G90078109 1 57 SH SOLE 57 0 0
TRANSOCEAN SEDCOFOREX HOLDING G90078109 15 477 SH DEFINED 477 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 116 6400 SH SOLE 6400 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 381 20900 SH DEFINED 19800 0 1100
AFLAC INCORPORATED 001055102 35 1200 SH DEFINED 1200 0 0
AES CORPORATION 00130H105 7 833 SH SOLE 833 0 0
AK STEEL HOLDING CORP 001547108 28 2000 SH DEFINED 2000 0 0
AOL TIME WARNER INC 00184A105 123 5225 SH SOLE 5225 0 0
AOL TIME WARNER INC 00184A105 860 36389 SH DEFINED 33939 0 2450
A T & T CORPORATION 001957109 78 5025 SH SOLE 3791 1234 0
A T & T CORPORATION 001957109 538 34293 SH DEFINED 30838 1075 2380
AT&T WIRELESS SERVICES INC 00209A106 22 2533 SH SOLE 2136 397 0
AT&T WIRELESS SERVICES INC 00209A106 131 14736 SH DEFINED 13418 553 765
AASTROM BIOSCIENCES 00253U107 2 3500 SH DEFINED 3500 0 0
ABBOTT LABS COM 002824100 352 6702 SH SOLE 6527 0 175
ABBOTT LABS COM 002824100 1685 32043 SH DEFINED 29543 2500 0
ABERCROMBIE & FITCH 002896207 12 400 SH DEFINED 400 0 0
ACTIVE POWER INC 00504W100 2 500 SH DEFINED 500 0 0
ADAMS EXPRESS COMPANY 006212104 6 446 SH DEFINED 446 0 0
ADOBE SYSTEMS INCORPORATED 00724F101 20 500 SH SOLE 500 0 0
AEGON N V ORD 007924103 5 244 SH SOLE 244 0 0
AGILENT TECHNOLOGIES 00846U101 9 266 SH SOLE 266 0 0
AGILENT TECHNOLOGIES 00846U101 210 6028 SH DEFINED 5169 631 228
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
AIR PRODUCTS & CHEMICALS INC 009158106 87 1700 SH SOLE 1700 0 0
AIR PRODUCTS & CHEMICALS INC 009158106 28 550 SH DEFINED 550 0 0
AIRTRAN HOLDINGS INC COM 00949P108 0 100 SH DEFINED 100 0 0
ALCOA INC COM 013817101 22 600 SH SOLE 600 0 0
ALCOA INC COM 013817101 128 3400 SH DEFINED 2400 1000 0
ALLEGHENY ENERGY INC 017361106 16 400 SH SOLE 400 0 0
ALLEGHENY ENERGY INC 017361106 140 3400 SH DEFINED 3400 0 0
ALLERGAN INC COM 018490102 8 125 SH DEFINED 125 0 0
ALLETE INC 018522102 11 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL MANAGEMENT HOLDING LP 01855A101 33 725 SH DEFINED 725 0 0
ALLIANCE PHARMACEUTICAL CORP COM NEW 018773309 0 112 SH DEFINED 112 0 0
ALLIANT ENERGY CORP COM 018802108 32 1066 SH DEFINED 1066 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 13 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 7 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 64 1708 SH SOLE 1708 0 0
ALLSTATE CORP COM 020002101 44 1184 SH DEFINED 1184 0 0
ALLTELL CORPORATION 020039103 460 8300 SH SOLE 8300 0 0
ALLTELL CORPORATION 020039103 249 4501 SH DEFINED 4201 300 0
AMAZON COM INC COM 023135106 4 300 SH DEFINED 300 0 0
AMEREN CORP COM 023608102 115 2700 SH DEFINED 2700 0 0
AMERICA MOVIL ADS 02364W105 7 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 142 3092 SH SOLE 3092 0 0
AMERICAN ELEC PWR INC COM 025537101 333 7246 SH DEFINED 7246 0 0
AMERICAN EXPRESS CO COM 025816109 237 5800 SH SOLE 4600 300 900
AMERICAN EXPRESS CO COM 025816109 829 20250 SH DEFINED 20250 0 0
AMERICAN INTERNATIONAL GROUP 026874107 575 7977 SH SOLE 7977 0 0
AMERICAN INTERNATIONAL GROUP 026874107 2642 36629 SH DEFINED 33404 2850 375
AMERICAN STANDARD COMPANIES INC 029712106 35 500 SH DEFINED 500 0 0
AMERICAN WATER WORKS CO 030411102 131 3000 SH DEFINED 3000 0 0
AMETEK INC (NEW) 031100100 119 3200 SH SOLE 3200 0 0
AMETEK INC (NEW) 031100100 10 280 SH DEFINED 280 0 0
AMGEN INC 031162100 55 938 SH SOLE 938 0 0
AMGEN INC 031162100 123 2070 SH DEFINED 2070 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
AMSOUTH BANCORPORATION 032165102 37 1687 SH DEFINED 1687 0 0
ANADARKO PETE CORP COM 032511107 241 4279 SH SOLE 4279 0 0
ANADARKO PETE CORP COM 032511107 1552 27519 SH DEFINED 26135 0 1384
ANHEUSER BUSCH COS INC COM 035229103 246 4725 SH SOLE 4725 0 0
ANHEUSER BUSCH COS INC COM 035229103 909 17415 SH DEFINED 16290 1125 0
ANNALY MTG MANAGEMENT 035710409 71 4200 SH DEFINED 4200 0 0
ANTIGENICS INC DEL 037032109 1 89 SH DEFINED 0 0 89
APACHE CORPORATION 037411105 205 3613 SH SOLE 3613 0 0
APOLLO GROUP INC CL A 037604105 294 5500 SH SOLE 5500 0 0
APOLLO GROUP INC CL A 037604105 302 5650 SH DEFINED 5650 0 0
APPLERA CORP COM CELERA GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0
APPLIED MATERIALS INC 038222105 81 1500 SH SOLE 1500 0 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 1 100 SH SOLE 100 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 96 1948 SH SOLE 1948 0 0
AUTHENTIDATE HOLDING CORP 052666104 4 1000 SH SOLE 1000 0 0
AUTOMATIC DATA PROCESSING 053015103 472 8110 SH SOLE 8110 0 0
AUTOMATIC DATA PROCESSING 053015103 817 14030 SH DEFINED 12730 1300 0
AVAYA INC COM USD .01 053499109 0 105 SH SOLE 105 0 0
AVAYA INC COM USD .01 053499109 27 3731 SH DEFINED 3572 43 116
AVENTIS ADR 053561106 6 100 SH DEFINED 100 0 0
AVISTA CORP COM 05379B107 9 600 SH DEFINED 600 0 0
AVON PRODUCTS 054303102 73 1350 SH DEFINED 300 1050 0
BCE INC COM 05534B109 1 100 SH SOLE 100 0 0
BOC GROUP PLC ADR 055617609 15 500 SH DEFINED 500 0 0
BP PLC 055622104 413 7793 SH SOLE 7693 0 100
BP PLC 055622104 2034 38321 SH DEFINED 37321 1000 0
BAKER HUGHES INCORPORATED COMMON 057224107 28 750 SH DEFINED 500 250 0
BALLARD POWER SYSTEMS INC 05858H104 18 600 SH DEFINED 600 0 0
BANK AMERICA CORP COM 060505104 156 2300 SH SOLE 1300 0 1000
BANK AMERICA CORP COM 060505104 533 7837 SH DEFINED 6487 1350 0
BANK OF NEW YORK INC 064057102 617 14700 SH SOLE 14700 0 0
BANK OF NEW YORK INC 064057102 477 11368 SH DEFINED 11368 0 0
BANC ONE CORP COM 06423A103 130 3115 SH DEFINED 3115 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------------------------------- ------------------ --------- -------- ------- --- ---- ------- -------- ------- ------ ------
BARD C R INC COM 067383109 11 200 SH DEFINED 200 0 0
BARR LABS INC 068306109 19 300 SH DEFINED 300 0 0
BAUSCH & LOMB INC COM 071707103 44 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 83 1400 SH SOLE 1400 0 0
BAXTER INTERNATIONAL 071813109 59 1000 SH DEFINED 1000 0 0
BECTON DICKINSON & COMPANY 075887109 49 1300 SH DEFINED 1300 0 0
BED BATH & BEYOND 075896100 67 2000 SH SOLE 2000 0 0
BED BATH & BEYOND 075896100 75 2250 SH DEFINED 2250 0 0
BELLSOUTH CORP COM 079860102 263 7152 SH SOLE 5676 1476 0
BELLSOUTH CORP COM 079860102 1609 43664 SH DEFINED 42639 225 800
BEST BUY COMPANY INC 086516101 19 250 SH SOLE 250 0 0
BEST BUY COMPANY INC 086516101 51 650 SH DEFINED 650 0 0
BLACK & DECKER CORP COM 091797100 27 600 SH DEFINED 400 200 0
BLACKROCK NJ MUNICIPAL INCOME TRUST 09248J101 22 1700 SH DEFINED 1700 0 0
BLOCK H & R INC COM 093671105 44 1000 SH DEFINED 1000 0 0
BOEING CO COM 097023105 97 2022 SH DEFINED 2022 0 0
BOSTON PROPERTIES INC. 101121101 9 250 SH SOLE 250 0 0
BOSTON SCIENTIFIC CORP. 101137107 10 400 SH DEFINED 400 0 0
BOYKIN LODGING CO 103430104 1 125 SH DEFINED 125 0 0
BRIGGS & STRATTON CORPORATION 109043109 0 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 944 23337 SH SOLE 19837 0 3500
BRISTOL-MYERS SQUIBB 110122108 4684 115716 SH DEFINED 113916 300 1500
BROADCOM CORPORATION COM 111320107 10 300 SH DEFINED 0 0 300
BROWN FORMAN DISTILLERS
CORP CLASS 'A' VOTING 115637100 43 600 SH DEFINED 600 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 7 200 SH DEFINED 200 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 119 3949 SH DEFINED 2829 1120 0
BURLINGTON RESOURCES 122014103 40 1000 SH DEFINED 1000 0 0
CSX CORP COM 126408103 22 600 SH SOLE 600 0 0
CSX CORP COM 126408103 45 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 349 10175 SH SOLE 10175 0 0
CVS CORP COM 126650100 956 27865 SH DEFINED 25815 2050 0
CALIPER TECHNOLOGIES CORP 130876105 28 2200 SH SOLE 2200 0 0
CALPINE CORP 131347106 2 200 SH DEFINED 200 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
CAMPBELL SOUP CO COM 134429109 53 2000 SH DEFINED 2000 0 0
CARBIDE/GRAPHITE GROUP 140777103 2 2000 SH DEFINED 2000 0 0
CARDINAL HEALTH 14149Y108 46 650 SH DEFINED 650 0 0
CATERPILLAR INC 149123101 187 3300 SH DEFINED 3300 0 0
CELL PATHWAYS INC 15114R101 24 5900 SH DEFINED 5900 0 0
CENDANT CORPORATION 151313103 3 200 SH DEFINED 200 0 0
CENTRAL SECURITIES CORP. 155123102 528 20750 SH SOLE 20750 0 0
CEPHALON INC. 156708109 2 47 SH DEFINED 47 0 0
CERTEGY INC 156880106 12 325 SH DEFINED 325 0 0
CERUS CORP 157085101 5 100 SH DEFINED 100 0 0
CHARTER COMMUNICATIONS 16117M107 7 700 SH DEFINED 700 0 0
CHEVRONTEXACO CORP 166764100 675 7487 SH SOLE 5487 0 2000
CHEVRONTEXACO CORP 166764100 1290 14291 SH DEFINED 14291 0 0
CHINA MOBILE HONG KONG LTD ADR 16941M109 71 4600 SH DEFINED 1800 0 2800
CHORDIANT SOFTWARE INC. 170404107 1 240 SH DEFINED 240 0 0
THE CHUBB CORPORATION 171232101 530 7255 SH SOLE 7255 0 0
THE CHUBB CORPORATION 171232101 946 12950 SH DEFINED 12950 0 0
CHURCH & DWIGHT INC COM 171340102 58 2000 SH DEFINED 2000 0 0
CIENA CORPORATION 171779101 5 600 SH DEFINED 600 0 0
CIGNA INVESTMENT SECURITIES,INC. 17179X106 36 2191 SH DEFINED 2191 0 0
CINERGY CORP 172474108 19 550 SH DEFINED 550 0 0
CISCO SYS INC 17275R102 1502 88777 SH SOLE 88777 0 0
CISCO SYS INC 17275R102 1356 80124 SH DEFINED 77324 800 2000
CITIGROUP INC 172967101 1927 38923 SH SOLE 35373 400 3150
CITIGROUP INC 172967101 5906 119273 SH DEFINED 114029 4978 266
CITRIX SYSTEMS INC 177376100 1 100 SH DEFINED 100 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 10 200 SH SOLE 200 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 10 200 SH DEFINED 200 0 0
CLOROX CO DEL COM 189054109 4 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 283 5417 SH SOLE 5417 0 0
COCA COLA CO COM 191216100 1060 20301 SH DEFINED 19801 500 0
COLGATE PALMOLIVE CO COM 194162103 715 12515 SH SOLE 12415 0 100
COLGATE PALMOLIVE CO COM 194162103 2302 40282 SH DEFINED 40282 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
COMERICA INC. CO 200340107 46 750 SH DEFINED 750 0 0
COMMERCE BANCORP NJ 200519106 17 400 SH DEFINED 400 0 0
COMPAQ COMPUTER CORP COM 204493100 10 1000 SH SOLE 1000 0 0
COMPAQ COMPUTER CORP COM 204493100 187 17899 SH DEFINED 15199 2500 200
CONAGRA FOODS INC COM 205887102 41 1700 SH DEFINED 1200 500 0
COMSHARE INC 205912108 1 500 SH DEFINED 500 0 0
CONECTIV INC COM 206829103 55 2250 SH DEFINED 2250 0 0
CONECTIV INC CL A 206829202 2 125 SH DEFINED 125 0 0
CONEXANT SYS INC COM 207142100 19 1600 SH DEFINED 1600 0 0
CONOCO INC COM 208251504 401 13750 SH SOLE 13350 400 0
CONOCO INC COM 208251504 1477 50628 SH DEFINED 45278 2400 2950
CONSOLIDATED EDISON COM 209115104 27 648 SH DEFINED 648 0 0
CONSTELLATION BRANDS INC CL A 21036P108 429 7810 SH SOLE 7710 0 100
CONSTELLATION BRANDS INC CL A 21036P108 879 16000 SH DEFINED 16000 0 0
CONSTELLATION ENERGY GROUP INC COM 210371100 9 300 SH SOLE 300 0 0
CONSTELLATION ENERGY GROUP INC COM 210371100 89 2900 SH DEFINED 2900 0 0
CONTINENTAL AIRLINES INC CL B 210795308 8 300 SH DEFINED 300 0 0
COOPER INDS INC 216669101 20 500 SH DEFINED 500 0 0
CORN PRODS INTL INC COM 219023108 19 600 SH DEFINED 600 0 0
CORNING INC 219350105 55 7220 SH SOLE 7220 0 0
CORNING INC 219350105 283 37200 SH DEFINED 36000 0 1200
CORPORATE HIGH YIELD FUND III INC 219925104 17 2000 SH DEFINED 2000 0 0
COX COMMUNICATIONS INC NEW CL A 224044107 22 604 SH DEFINED 604 0 0
CUBIST PHARMACEUTICAL INC 229678107 5 300 SH DEFINED 300 0 0
CUMMINS ENGINE INC 231021106 47 1000 SH DEFINED 1000 0 0
CURRENT INCOME SHS INC COM 231298100 12 1000 SH DEFINED 1000 0 0
CYGNUS INC 232560102 7 2000 SH DEFINED 2000 0 0
CYTEC INDUSTRIES INC 232820100 0 10 SH SOLE 10 0 0
DTE ENERGY CO COM 233331107 20 454 SH DEFINED 454 0 0
DATATEC SYSTEMS INC 238128102 0 500 SH DEFINED 500 0 0
DECODE GENETICS INC 243586104 3 619 SH DEFINED 619 0 0
DEERE & COMPANY 244199105 168 3700 SH DEFINED 3200 0 500
DELL COMPUTER CORP 247025109 9 380 SH SOLE 380 0 0
DELL COMPUTER CORP 247025109 73 2830 SH DEFINED 2830 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
DELPHI CORPORATION CORP 247126105 0 39 SH SOLE 39 0 0
DELPHI CORPORATION CORP 247126105 8 523 SH DEFINED 523 0 0
DELTIC TIMBER CORP 247850100 151 5000 SH DEFINED 5000 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 14 300 SH DEFINED 300 0 0
DILLARD'S INC CLASS A 254067101 9 400 SH DEFINED 400 0 0
DISNEY WALT CO COM DISNEY 254687106 27 1200 SH SOLE 1200 0 0
DISNEY WALT CO COM DISNEY 254687106 265 11491 SH DEFINED 9468 2023 0
DOMINION RES INC 25746U109 55 852 SH SOLE 852 0 0
DOMINION RES INC 25746U109 424 6521 SH DEFINED 6521 0 0
DOVER CORPORATION 260003108 129 3150 SH SOLE 3150 0 0
DOW CHEM CO COM 260543103 300 9193 SH SOLE 9193 0 0
DOW CHEM CO COM 260543103 301 9222 SH DEFINED 6822 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 553 11732 SH SOLE 10232 0 1500
DU PONT E I DE NEMOURS & CO COM 263534109 1088 23090 SH DEFINED 21390 300 1400
DUFF & PHELPS UTILITIES INCOME, INC. 264324104 24 2160 SH DEFINED 2160 0 0
DUKE ENERGY CORP COM 264399106 302 8006 SH SOLE 8006 0 0
DUKE ENERGY CORP COM 264399106 621 16433 SH DEFINED 16433 0 0
DYAX CORPORATION 26746E103 2 750 SH SOLE 750 0 0
E M C CORPORATION 268648102 16 1400 SH SOLE 1400 0 0
E M C CORPORATION 268648102 84 7120 SH DEFINED 7120 0 0
EOG RES INC 26875P101 101 2500 SH DEFINED 2500 0 0
E*TRADE GROUP 269246104 4 525 SH SOLE 525 0 0
E*TRADE GROUP 269246104 11 1200 SH DEFINED 1200 0 0
EASTMAN CHEMICAL COMPANY 277432100 4 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 135 4350 SH SOLE 0 0 4350
EASTMAN KODAK CO COM 277461109 20 650 SH DEFINED 150 0 500
EBAY INC 278642103 56 1000 SH DEFINED 0 0 1000
EDISON SCHOOLS INC 281033100 25 1800 SH DEFINED 1800 0 0
EL PASO CORPORATION 28336L109 99 2266 SH DEFINED 2266 0 0
EL PASO ENERGY PARTNERS L P COM 28368B102 91 2450 SH DEFINED 450 2000 0
ELECTRONIC DATA SYSTEMS CORP 285661104 43 750 SH DEFINED 750 0 0
EMCORE CORPORATION COM 290846104 125 13064 SH SOLE 0 0 13064
EMERSON ELEC CO COM 291011104 54 950 SH SOLE 950 0 0
EMERSON ELEC CO COM 291011104 508 8858 SH DEFINED 8858 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
ENBRIDGE ENERGY PARTNERS L P 29250R106 39 900 SH SOLE 900 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 311 7025 SH DEFINED 6025 1000 0
ENERGEN CORP COM 29265N108 31 1200 SH DEFINED 1200 0 0
ENERGY CONVERSION DEVICES INC COM 292659109 14 700 SH DEFINED 700 0 0
ENERGY EAST CORP COM 29266M109 98 4540 SH DEFINED 4540 0 0
ENGELHARD CORP COM 292845104 86 2802 SH DEFINED 2802 0 0
ENTERGY CORP NEW COM 29364G103 108 2500 SH DEFINED 2500 0 0
ENTERPRISE PRODUCTS PARTNERS LP 293792107 48 1000 SH DEFINED 0 1000 0
ENTREMED INC COM 29382F103 9 1200 SH DEFINED 900 0 300
EQUIFAX, INC. 294429105 19 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 34 1000 SH DEFINED 1000 0 0
EQUITY INCOME FUND EXCHANGE
SER.AT&T SHS 1ST 294700703 62 576 SH DEFINED 576 0 0
EQUITY OFFICE PPTYS TR COM 294741103 136 4562 SH DEFINED 2562 2000 0
EQUITY OIL CO 294749106 1 1000 SH DEFINED 1000 0 0
EQUITY RESIDENTIAL PPTYS TR SBI 29476L107 35 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL PPTYS TR SBI 29476L107 5 200 SH DEFINED 200 0 0
ERICSSON L M TEL CO ADR CL B 294821400 14 3520 SH SOLE 3520 0 0
ERICSSON L M TEL CO ADR CL B 294821400 90 21680 SH DEFINED 17280 0 4400
EXELON CORP COM 30161N101 47 899 SH DEFINED 899 0 0
EXXON MOBIL CORP COM 30231G102 3692 84262 SH SOLE 72262 0 12000
EXXON MOBIL CORP COM 30231G102 13775 314365 SH DEFINED 285523 15258 13584
FPL GROUP INC COM 302571104 175 2950 SH SOLE 2950 0 0
FPL GROUP INC COM 302571104 565 9500 SH DEFINED 9500 0 0
FEDERAL NATL MTG ASSN (D/B/A FANNIE MAE) COM 313586109 523 6550 SH SOLE 6550 0 0
FEDERAL NATL MTG ASSN (D/B/A FANNIE MAE) COM 313586109 402 5040 SH DEFINED 3090 1950 0
FEDERAL REALTY INVESTMENT TRUST 313747206 10 423 SH DEFINED 423 0 0
FEDERAL SIGNAL CORPORATION 313855108 30 1300 SH DEFINED 1300 0 0
FEDEX CORPORATION 31428X106 29 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 40 600 SH DEFINED 600 0 0
FINISAR CORPORATION 31787A101 3 400 SH SOLE 400 0 0
FIRST DATA CORPORATION 319963104 56 650 SH DEFINED 400 250 0
FIRSTENERGY CORP COM 337932107 90 2609 SH SOLE 2609 0 0
FIRSTENERGY CORP COM 337932107 51 1500 SH DEFINED 1500 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
FLEETBOSTON FINANCIAL CORP COM 339030108 1501 42893 SH DEFINED 42793 100 0
FLOWER FOODS INC 343498101 19 750 SH DEFINED 750 0 0
FORD MOTOR CO DEL 345370860 48 2971 SH SOLE 2971 0 0
FORD MOTOR CO DEL 345370860 140 8540 SH DEFINED 7492 1048 0
FORTUNE BRANDS INC COM 349631101 19 400 SH DEFINED 400 0 0
FRANKLIN RESOURCES INC 354613101 62 1500 SH SOLE 1500 0 0
GATX CORP COM 361448103 25 800 SH DEFINED 800 0 0
GABLES RESIDENTIAL TRUST 362418105 31 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 49 1600 SH DEFINED 1600 0 0
GAP INC 364760108 2 150 SH SOLE 150 0 0
GATEWAY INC COM 367626108 5 800 SH DEFINED 200 0 600
GENENTECH INC 368710406 83 1650 SH SOLE 1650 0 0
GENENTECH INC 368710406 515 10225 SH DEFINED 9925 0 300
GENERAL ELEC CO COM 369604103 4107 109678 SH SOLE 99678 0 10000
GENERAL ELEC CO COM 369604103 10332 275897 SH DEFINED 267397 5800 2700
GENERAL MAGIC, INC 370253106 0 1000 SH DEFINED 1000 0 0
GENERAL MTRS CORP COM 370442105 120 1987 SH SOLE 1987 0 0
GENERAL MTRS CORP COM 370442105 437 7236 SH DEFINED 5986 1250 0
GENERAL MOTORS CLASS H NEW 370442832 39 2410 SH SOLE 2410 0 0
GENERAL MOTORS CLASS H NEW 370442832 257 15693 SH DEFINED 15693 0 0
GENZYME CORP BIOSURGERY DIVISION 372917708 4 670 SH DEFINED 670 0 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 80 2700 SH SOLE 2300 400 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 446 14893 SH DEFINED 14893 0 0
GILLETTE COMPANY 375766102 181 5333 SH SOLE 5333 0 0
GILLETTE COMPANY 375766102 132 3900 SH DEFINED 2700 1200 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 280 5962 SH SOLE 5962 0 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 244 5212 SH DEFINED 5212 0 0
GOLDMAN SACHS GROUP 38141G104 397 4400 SH SOLE 4400 0 0
GOLDMAN SACHS GROUP 38141G104 663 7350 SH DEFINED 7350 0 0
GUIDANT CORP COM 401698105 30 700 SH DEFINED 700 0 0
GUILFORD PHARMACEUTICALS INC 401829106 2 300 SH DEFINED 300 0 0
HRPT PPTYS TR COMM SH BEN INT 40426W101 9 1000 SH DEFINED 1000 0 0
HALLIBURTON CO COM 406216101 207 12182 SH DEFINED 12182 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
JOHN HANCOCK INCOME SECURITIES TRUST 410123103 3 267 SH DEFINED 267 0 0
JOHN HANCOCK PATRIOT PREMIUM DIV FDI COM 41013Q101 16 1834 SH DEFINED 1834 0 0
JOHN HANCOCK FINANCIAL SERVICES, INC. 41014S106 51 1342 SH DEFINED 1342 0 0
HANDSPRING INC 410293104 0 200 SH SOLE 200 0 0
HARLEY DAVIDSON 412822108 16 300 SH SOLE 300 0 0
HARLEY DAVIDSON 412822108 237 4300 SH DEFINED 4300 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 74 1100 SH SOLE 1100 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 126 1862 SH DEFINED 1862 0 0
HEALTH CARE PPTY INVS INC COM 421915109 20 500 SH DEFINED 500 0 0
H.J. HEINZ COMPANY 423074103 6 150 SH SOLE 150 0 0
H.J. HEINZ COMPANY 423074103 42 1025 SH DEFINED 1025 0 0
HERSHEY FOODS CORP COM 427866108 335 4900 SH DEFINED 3700 0 1200
HEWLETT PACKARD CO COM 428236103 86 4800 SH SOLE 4800 0 0
HEWLETT PACKARD CO COM 428236103 488 27270 SH DEFINED 23870 2200 1200
HIBERNIA CORP 428656102 5 300 SH SOLE 300 0 0
HOME DEPOT, INC 437076102 1076 22150 SH SOLE 21850 300 0
HOME DEPOT, INC 437076102 3400 69947 SH DEFINED 69297 650 0
HONEYWELL INTERNATIONAL INC COM 438516106 21 550 SH SOLE 550 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 226 5908 SH DEFINED 5908 0 0
HOST MARRIOTT CORPORATION 44107P104 36 3074 SH DEFINED 3074 0 0
HOUSEHOLD INTL INC COM 441815107 312 5500 SH DEFINED 5500 0 0
HUDSON CITY BANCORP 443683107 35 1100 SH DEFINED 1100 0 0
HUDSON UNITED BANCORP 444165104 15 500 SH SOLE 500 0 0
HUNTINGTON BANCSHARES INC 446150104 53 2722 SH DEFINED 2722 0 0
I-FLOW CORP 449520303 9 3000 SH DEFINED 3000 0 0
IMS HEALTH INCORPORATED 449934108 65 2928 SH DEFINED 2928 0 0
ITT INDUSTRIES INC COM 450911102 34 550 SH SOLE 550 0 0
ITT INDUSTRIES INC COM 450911102 35 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 34 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 12 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 243 6000 SH DEFINED 6000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 15 214 SH DEFINED 214 0 0
IMAGISTICS INTERNATIONAL INC 45247T104 9 624 SH DEFINED 624 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
INDYMAC BANCORP INC 456607100 24 1000 SH DEFINED 1000 0 0
INKTOMI CORP COM 457277101 2 700 SH SOLE 700 0 0
INKTOMI CORP COM 457277101 2 800 SH DEFINED 0 0 800
INNKEEPERS USA TRUST 4576J0104 22 2000 SH SOLE 2000 0 0
INNKEEPERS USA TRUST 4576J0104 22 2000 SH DEFINED 2000 0 0
INTEL CORP COM 458140100 509 16750 SH SOLE 15350 0 1400
INTEL CORP COM 458140100 1723 56680 SH DEFINED 52280 2600 1800
INTERMAGNETICS GEN CORP 458771102 13 500 SH DEFINED 500 0 0
INTERMEDIATE MUNICIPAL FUND INC 45880P104 19 2000 DEFINED 2000 0 0
INTERNATIONAL BUSINESS MACHINE CORP COM 459200101 1043 10035 SH SOLE 9785 200 50
INTERNATIONAL BUSINESS MACHINE CORP COM 459200101 7035 67646 SH DEFINED 65746 700 1200
INTL PAPER CO COM 460146103 176 4097 SH DEFINED 4097 0 0
INTERNET HOLDERS TRUST 46059W102 3 100 SH SOLE 100 0 0
INTERPUBLIC GROUP OF COMPANIES INC 460690100 34 1000 SH DEFINED 1000 0 0
INTEVAC INC 461148108 14 3300 SH DEFINED 0 3300 0
INTUIT 461202103 3 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 23 683 SH DEFINED 683 0 0
JDS UNIPHASE CORPORATION 46612J101 1 200 SH SOLE 200 0 0
JDS UNIPHASE CORPORATION 46612J101 2 400 SH DEFINED 400 0 0
J P MORGAN CHASE & CO 46625H100 463 13011 SH SOLE 13011 0 0
J P MORGAN CHASE & CO 46625H100 1951 54767 SH DEFINED 53287 1480 0
JABIL CIRCUIT INC 466313103 3 150 SH SOLE 150 0 0
JABIL CIRCUIT INC 466313103 5 250 SH DEFINED 250 0 0
JEFFERSON PILOT CORPORATION 475070108 34 683 SH SOLE 683 0 0
JEFFERSON PILOT CORPORATION 475070108 51 1035 SH DEFINED 1035 0 0
JOHNSON & JOHNSON COM 478160104 2210 34036 SH SOLE 34036 0 0
JOHNSON & JOHNSON COM 478160104 8445 130030 SH DEFINED 122430 5600 2000
JOHNSON CTLS INC COM 478366107 15 180 SH DEFINED 180 0 0
KADANT INC 48282T104 8 627 SH DEFINED 627 0 0
KERR MCGEE CORP 492386107 1 18 SH DEFINED 18 0 0
KEYSPAN CORP COM 49337W100 48 1341 SH DEFINED 1341 0 0
KIMBERLY-CLARK CORPORATION 494368103 415 6424 SH SOLE 6424 0 0
KIMBERLY-CLARK CORPORATION 494368103 640 9900 SH DEFINED 9450 250 200
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
KINDER MORGAN ENERGY PARTNERS L P 494550106 211 6400 SH DEFINED 4200 2000 200
KING PHARMACEUTICALS INC 495582108 7 200 SH DEFINED 200 0 0
KNIGHT-RIDDER INC 499040103 309 4500 SH SOLE 4400 0 100
KNIGHT-RIDDER INC 499040103 425 6200 SH DEFINED 5450 750 0
KONINKLIJKE PHILIPS ELECTRS N V SP ADR 500472303 17 591 SH DEFINED 591 0 0
KRAMONT REALTY TRUST COM 50075Q107 10 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 8 200 SH DEFINED 200 0 0
KROGER COMPANY COM 501044101 260 11775 SH SOLE 11775 0 0
KROGER COMPANY COM 501044101 768 34700 SH DEFINED 34100 600 0
LA-Z-BOY INC 505336107 57 2100 SH SOLE 2100 0 0
LA-Z-BOY INC 505336107 54 2000 SH DEFINED 2000 0 0
LEHMAN BROTHERS HOLDINGS INC 524908100 6 100 SH SOLE 100 0 0
LENDING TREE INC 52602Q105 3 250 SH SOLE 250 0 0
LENNAR CORP 526057104 52 1000 SH DEFINED 1000 0 0
LIBERTY MEDIA CORP NEW COM SERIAL A 530718105 5 416 SH DEFINED 416 0 0
LILLY ELI & CO COM 532457108 77 1012 SH SOLE 1012 0 0
LILLY ELI & CO COM 532457108 1254 16462 SH DEFINED 15612 450 400
LINCOLN NATIONAL CORP 534187109 40 800 SH DEFINED 800 0 0
LOCKHEED MARTIN CORP 539830109 380 6600 SH SOLE 6600 0 0
LOCKHEED MARTIN CORP 539830109 5 103 SH DEFINED 103 0 0
LOWES COMPANIES INC 548661107 195 4500 SH SOLE 4500 0 0
LOWES COMPANIES INC 548661107 73 1700 SH DEFINED 1700 0 0
LUBRIZOL CORP COM 549271104 69 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 90 19180 SH SOLE 18116 1064 0
LUCENT TECHNOLOGY INC 549463107 304 64302 SH DEFINED 58264 1438 4600
MBIA, INC 55262C100 172 3150 SH SOLE 3150 0 0
MFS MULTIMARKET INCOME TRUST 552737108 9 1500 SH SOLE 1500 0 0
MGI PHARMACEUTICALS 552880106 154 11270 SH DEFINED 11270 0 0
MACK-CALI REALTY CORP 554489104 34 1000 SH DEFINED 1000 0 0
SMITH BARNEY MANAGED
MUNICIPALS PORTFOLIO,INC. 561662107 20 2000 DEFINED 2000 0 0
MANUGISTICS GROUP 565011103 4 200 SH DEFINED 200 0 0
MARSHALL & ILSLEY CORP 571834100 124 2000 SH SOLE 2000 0 0
MARSHALL & ILSLEY CORP 571834100 18 300 SH DEFINED 300 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
MARTHA STEWART LIVING 573083102 7 400 SH DEFINED 400 0 0
MCCORMICK & CO INC COMMON NON-VOTING 579780206 143 2800 SH SOLE 2800 0 0
MCCORMICK & CO INC COMMON NON-VOTING 579780206 138 2700 SH DEFINED 2700 0 0
MCDATA CORPORATION-CLASS A 580031201 0 4 SH SOLE 4 0 0
MCDATA CORPORATION-CLASS A 580031201 0 3 SH DEFINED 3 0 0
MCDONALDS CORP COM 580135101 63 2300 SH SOLE 2300 0 0
MCDONALDS CORP COM 580135101 194 7000 SH DEFINED 6000 1000 0
MCGRAW HILL COMPANIES INC 580645109 146 2150 SH DEFINED 2150 0 0
MCKESSON CORPORATION 58155Q103 5 148 SH DEFINED 148 0 0
MEDAREX INC 583916101 6 400 SH DEFINED 400 0 0
MEDTRONIC INC 585055106 9 200 SH SOLE 200 0 0
MEDTRONIC INC 585055106 227 5040 SH DEFINED 5040 0 0
MELLON FINANCIAL CORP COM 58551A108 38 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 17 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 1151 19994 SH SOLE 17994 0 2000
MERCK & CO INC COM 589331107 5091 88424 SH DEFINED 85624 2600 200
MERCURY INTERACTIVE CORP 589405109 11 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 38 700 SH SOLE 700 0 0
MERRILL LYNCH & CO INC 590188108 143 2600 SH DEFINED 2600 0 0
METLIFE INC 59156R108 0 10 SH SOLE 10 0 0
METLIFE INC 59156R108 94 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 735 12200 SH SOLE 12200 0 0
MICROSOFT CORP 594918104 1893 31395 SH DEFINED 29445 1250 700
MIDDLESEX WATER CO COM 596680108 69 3000 SH DEFINED 3000 0 0
MILLENNIUM PHARMACEUTICALS 599902103 6 296 SH DEFINED 296 0 0
MINNESOTA MNG & MFG CO COM 604059105 23 200 SH SOLE 200 0 0
MINNESOTA MNG & MFG CO COM 604059105 755 6566 SH DEFINED 6566 0 0
MIPS TECHNOLOGIES INC 604567206 0 27 SH DEFINED 27 0 0
MIRANT CORP 604675108 25 1795 SH SOLE 1795 0 0
MIRANT CORP 604675108 75 5251 SH DEFINED 5251 0 0
ROBERT MONDAVI 609200100 3 100 SH SOLE 100 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 83 1450 SH SOLE 1450 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 357 6234 SH DEFINED 5134 1100 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
MOTOROLA,INC 620076109 6 450 SH SOLE 450 0 0
MOTOROLA,INC 620076109 271 19106 SH DEFINED 14606 2100 2400
MUNIHOLDING NY INSD FUND INC 625931100 16 1253 SH DEFINED 1253 0 0
MUNIHOLDINGS NEW JERSEY INS D FUND INC 625936109 10 778 DEFINED 778 0 0
MUNIYIELD INSD FUND INC 62630E107 12 950 DEFINED 950 0 0
NCR CORP NEW 62886E108 6 145 SH DEFINED 145 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 7 200 SH SOLE 200 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 10 300 SH DEFINED 300 0 0
NATIONAL FUEL GAS CO N J COM 636180101 126 5192 SH DEFINED 5192 0 0
NATIONAL WESTMINSTER BANK PLC PFD 638539700 7 300 SH DEFINED 300 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NEUROGEN CORP 64124E106 12 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES CORPORATION 646025106 36 1200 SH SOLE 1200 0 0
NEW JERSEY RESOURCES CORPORATION 646025106 13 450 SH DEFINED 450 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 8 400 SH DEFINED 400 0 0
NISOURCE INC COM 65473P105 94 4100 SH DEFINED 4100 0 0
NOKIA CORPORATION ADR 654902204 10 500 SH SOLE 500 0 0
NOKIA CORPORATION ADR 654902204 119 5750 SH DEFINED 5150 0 600
NORAM ENERGY CORP SUB DEB CONV 6% 3/15/12 655419AC3 23 25000 PRN DEFINED 25000 0 0
NORFOLK SOUTHERN CORP COM 655844108 136 5700 SH SOLE 5700 0 0
NORFOLK SOUTHERN CORP COM 655844108 93 3906 SH DEFINED 3546 360 0
NORSK HYDRO ADR 656531605 106 2222 SH DEFINED 2222 0 0
NORTEL NETWORKS CORP NEW 656568102 2 580 SH SOLE 580 0 0
NORTEL NETWORKS CORP NEW 656568102 8 1928 SH DEFINED 928 0 1000
NORTHERN BORDER PARTNERS
L P UNIT LTD PARTN 664785102 20 500 SH DEFINED 500 0 0
NORTHERN TRUST CORP 665859104 348 5800 SH SOLE 5800 0 0
NORTHERN TRUST CORP 665859104 39 650 SH DEFINED 650 0 0
NORTHROP GRUMMAN CORP 666807102 5 50 SH SOLE 50 0 0
NOVARTIS AG ADRS 66987V109 19 500 SH DEFINED 500 0 0
OGE ENERGY CO. 670837103 9 400 SH DEFINED 400 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 102 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL
OPPORTUNITY FUND INC 670984103 46 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED
MUNICIPAL INCOME FUND 670987106 24 1650 DEFINED 1650 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
OCCIDENTAL PETE CORP DEL COM 674599105 14 500 SH DEFINED 500 0 0
OMNICOM GROUP INC COM 681919106 37 400 SH DEFINED 400 0 0
ONEOK INC NEW COM 682680103 83 4000 SH DEFINED 4000 0 0
OPENWAVE SYS INC COM 683718100 1 300 SH DEFINED 300 0 0
ORACLE CORPORATION 68389X105 161 12650 SH SOLE 12650 0 0
ORACLE CORPORATION 68389X105 262 20488 SH DEFINED 16888 0 3600
PG&E CORP COM 69331C108 9 400 SH DEFINED 400 0 0
PIMCO COMMERICAL MORTGAGE SECS TR INC 693388100 27 2000 SH DEFINED 0 2000 0
PNC FINANCIAL SERVICES GROUP COM 693475105 295 4800 SH SOLE 4800 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 130 2125 SH DEFINED 2125 0 0
PPG INDS INC COM 693506107 10 200 SH SOLE 200 0 0
PPL CORP 69351T106 7 200 SH SOLE 200 0 0
PPL CORP 69351T106 39 1000 SH DEFINED 800 200 0
PACCAR INC COM 693718108 40 550 SH DEFINED 550 0 0
PACTIV CORP COM 695257105 2 100 SH SOLE 100 0 0
PALL CORP COM 696429307 14 700 SH DEFINED 700 0 0
PALM INC 696642107 1 444 SH DEFINED 444 0 0
PARAGON TECHNOLOGIES INC 69912T108 51 6422 SH DEFINED 6422 0 0
PARK PL ENTMT CORP COM 700690100 10 1000 SH DEFINED 1000 0 0
PAYCHEX INC COM 704326107 145 3660 SH DEFINED 3260 400 0
PAYLESS SHOESOURCE,INC. 704379106 12 200 SH DEFINED 200 0 0
PEAPACK-GLADSTONE FINANCIAL CORPORATION 704699107 4569 92316 SH SOLE 90498 0 1818
PEAPACK-GLADSTONE FINANCIAL CORPORATION 704699107 14627 295498 SH DEFINED 295498 0 0
PENN VIRGINIA CORP 707882106 204 5100 SH DEFINED 5100 0 0
J.C.PENNEY CO.,INC. 708160106 103 5000 SH DEFINED 5000 0 0
PEOPLES ENERGY CORPORATION 711030106 98 2500 SH DEFINED 2500 0 0
PEPSICO INC COM 713448108 144 2800 SH SOLE 2800 0 0
PEPSICO INC COM 713448108 423 8221 SH DEFINED 7471 750 0
PEREGRINE PHARMACEUTICALS INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 85 4628 SH DEFINED 4628 0 0
PFIZER INC COM 717081103 1147 28887 SH SOLE 25037 1100 2750
PFIZER INC COM 717081103 3026 76174 SH DEFINED 73074 3100 0
PHARMACIA CORP 71713U102 44 993 SH SOLE 993 0 0
PHARMACIA CORP 71713U102 366 8141 SH DEFINED 7441 0 700
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
PHILIP MORRIS COMPANIES 718154107 152 2900 SH SOLE 2900 0 0
PHILIP MORRIS COMPANIES 718154107 524 9950 SH DEFINED 9450 0 500
PHILLIPS PETROLEUM CO 718507106 125 2000 SH SOLE 2000 0 0
PHILLIPS PETROLEUM CO 718507106 121 1941 SH DEFINED 1941 0 0
THE PHOENIX COMPANIES,INC. 71902E109 15 816 SH SOLE 816 0 0
PITNEY BOWES INC COM 724479100 290 6800 SH DEFINED 6800 0 0
PLUM CREEK TIMBER CO INC COM 729251108 37 1249 SH DEFINED 1249 0 0
POTLATCH CORP COM 737628107 101 3000 SH DEFINED 3000 0 0
POTOMAC ELEC PWR CO COM 737679100 21 903 SH SOLE 903 0 0
POTOMAC ELEC PWR CO COM 737679100 51 2200 SH DEFINED 2200 0 0
PRAXAIR INC 74005P104 11 200 SH DEFINED 200 0 0
PROCTER & GAMBLE CO COM 742718109 153 1700 SH SOLE 1700 0 0
PROCTER & GAMBLE CO COM 742718109 1749 19417 SH DEFINED 18967 450 0
PROGRESS ENERGY INC COM 743263105 20 400 SH SOLE 400 0 0
PRUDENTIAL FINANCIAL INC 744320102 23 750 SH SOLE 750 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 187 4092 SH SOLE 4092 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 778 17005 SH DEFINED 15505 1500 0
PUGET ENERGY INC NEW 745310102 10 500 SH DEFINED 500 0 0
PUTNAM HIGH YIELD MUNICIPAL TRUST 746781103 37 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 9 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 49 1000 SH DEFINED 1000 0 0
QUALCOMM INC 747525103 39 1050 SH SOLE 1050 0 0
QUALCOMM INC 747525103 50 1350 SH DEFINED 1350 0 0
QUINTILES TRANSNATIONAL CORP COM 748767100 3 179 SH DEFINED 179 0 0
QUIXOTE CORP 749056107 18 1000 SH DEFINED 1000 0 0
QWEST COMMUNICATIONS INT'L 749121109 16 2055 SH SOLE 1364 691 0
QWEST COMMUNICATIONS INT'L 749121109 102 12454 SH DEFINED 11510 235 709
R G S ENERGY GROUP INC COM 74956K104 121 3100 SH DEFINED 3100 0 0
RF MICRO-DEVICES 749941100 17 1000 SH DEFINED 1000 0 0
RAMTRON INTL CORP COM NEW 751907304 0 282 SH DEFINED 282 0 0
RAYTHEON CO 755111507 41 1000 SH SOLE 1000 0 0
RAYTHEON CO 755111507 274 6684 SH DEFINED 6684 0 0
RED HAT INC COM 756577102 0 30 SH DEFINED 30 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
RELIANT ENERGY INC COM 75952J108 54 2100 SH DEFINED 2100 0 0
REUTERS GROUP PLC SPONSORED ADR 76132M102 40 866 SH DEFINED 866 0 0
RITE AID CORP 767754104 3 1000 SH DEFINED 1000 0 0
ROCKWELL INTL CORP NEW COM 773903109 40 2014 SH DEFINED 2014 0 0
ROCKWELL COLLINS INC 774341101 50 2014 SH DEFINED 2014 0 0
ROGERS COMMUNICATION INC. CL.B NON VOTING 775109200 115 8400 SH SOLE 8400 0 0
ROXIO INC 780008108 11 500 SH DEFINED 500 0 0
ROYAL BANK OF SCOTLAND GROUP 780097408 25 1000 SH DEFINED 1000 0 0
ROYAL BANK OF SCOTLAND GROUP PLC SER D 780097606 7 300 SH DEFINED 300 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 157 2900 SH SOLE 2900 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 1145 21092 SH DEFINED 21092 0 0
RUBY TUESDAY INC. 781182100 15 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 777 20770 SH SOLE 17770 3000 0
SBC COMMUNICATIONS INC 78387G103 3165 84580 SH DEFINED 77705 3412 3463
SAFEWAY INC 786514208 9 200 SH DEFINED 200 0 0
THE ST. PAUL COMPANIES, INC COM 792860108 4 100 SH DEFINED 100 0 0
THE SALOMON BROTHERS FUND INC 795477108 15 1241 SH DEFINED 1241 0 0
SANCHEZ COMPUTER ASSOCIATES 799702105 1 200 SH DEFINED 200 0 0
SARA LEE CORP COM 803111103 257 12400 SH SOLE 12400 0 0
SARA LEE CORP COM 803111103 12 600 SH DEFINED 600 0 0
SCANA CORP NEW 80589M102 15 505 SH SOLE 505 0 0
SCANA CORP NEW 80589M102 110 3600 SH DEFINED 3600 0 0
SCHERING PLOUGH CORP COM 806605101 30 970 SH SOLE 970 0 0
SCHERING PLOUGH CORP COM 806605101 364 11650 SH DEFINED 7100 4550 0
SCHLUMBERGER LTD COM 806857108 29 500 SH SOLE 500 0 0
SCHLUMBERGER LTD COM 806857108 456 7756 SH DEFINED 7656 100 0
SCHULMAN A INC 808194104 9 500 SH DEFINED 500 0 0
SCIENTIFIC-ATLANTA INC 808655104 34 1500 SH DEFINED 0 0 1500
SEA CONTAINERS LTD CLASS A COMMON 811371707 1 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 80 1710 SH DEFINED 1710 0 0
SEALED AIR CORP NEW PFD CONV SER A $2 81211K209 26 570 SH SOLE 570 0 0
SEALED AIR CORP NEW PFD CONV SER A $2 81211K209 83 1820 SH DEFINED 1820 0 0
SEARS ROEBUCK & CO COM 812387108 3 75 SH SOLE 75 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
SEMPRA ENERGY COM 816851109 40 1600 SH DEFINED 1600 0 0
SENIOR HSG PPTYS TR COM SH BEN INT 81721M109 28 2000 SH DEFINED 2000 0 0
SHAW GROUP INC 820280105 181 6600 SH SOLE 6400 0 200
SHAW GROUP INC 820280105 374 13600 SH DEFINED 13500 0 100
SIEBEL SYSTEMS 826170102 3 100 SH SOLE 100 0 0
SIEBEL SYSTEMS 826170102 3 100 SH DEFINED 100 0 0
SIEMENS AG SPONSORED ADR 826197501 19 300 SH SOLE 300 0 0
SIGMA-ALDRICH CORP 826552101 4 100 SH SOLE 100 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SIMTH INTERNATIONAL INC COM 832110100 16 250 SH DEFINED 250 0 0
SOLECTRON CORP 834182107 11 1500 SH SOLE 1500 0 0
SOLECTRON CORP 834182107 1 250 SH DEFINED 250 0 0
SOMERA COMMUNICATIONS 834458101 7 1000 SH DEFINED 1000 0 0
SONOCO PRODUCTS 835495102 21 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH
NEW EA REPR 1 JAPANESE 835699307 31 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES,INC 838518108 5 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 55 2078 SH SOLE 2078 0 0
SOUTHERN CO COM 842587107 308 11653 SH DEFINED 11575 78 0
SPRINT CORPORATION 852061100 120 7876 SH DEFINED 7876 0 0
SPRINT CORP PCS SER 1 852061506 9 930 SH SOLE 930 0 0
SPRINT CORP PCS SER 1 852061506 36 3538 SH DEFINED 3538 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 18 501 SH SOLE 501 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 32 857 SH DEFINED 857 0 0
STATE STREET CORP COM 857477103 132 2400 SH DEFINED 2400 0 0
STRATTEC SECURITY CORPORATION 863111100 0 20 SH SOLE 20 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 78 3000 SH DEFINED 0 3000 0
SUN MICROSYSTEMS INC COM 866810104 345 39175 SH SOLE 39175 0 0
SUN MICROSYSTEMS INC COM 866810104 686 77886 SH DEFINED 76286 0 1600
SUNOCO INC 86764P109 4 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 133 3328 SH DEFINED 3209 119 0
SUNTRUST BANKS INC 867914103 20 300 SH DEFINED 300 0 0
SUPERGEN INC COM 868059106 28 5000 SH DEFINED 5000 0 0
TCW CONV SEC FUND INC 872340104 13 1500 SH DEFINED 1500 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
TECO ENERGY INC COM 872375100 91 3200 SH SOLE 3200 0 0
TECO ENERGY INC COM 872375100 74 2600 SH DEFINED 2600 0 0
TEPPCO PARTNERS LP 872384102 62 2000 SH DEFINED 0 2000 0
TJX COMPANIES 872540109 40 1000 SH DEFINED 1000 0 0
TRW INC 872649108 51 1000 SH DEFINED 1000 0 0
TRW,INC. $4.50 CONVERTIBLE
PREFERRED SERIES 3 872649603 7 20 SH DEFINED 20 0 0
TXU CORP 873168108 133 2450 SH DEFINED 2300 150 0
TALBOTS INC 874161102 7 200 SH DEFINED 200 0 0
TARGET CORPORATION 87612E106 53 1250 SH SOLE 1250 0 0
TARGET CORPORATION 87612E106 989 22950 SH DEFINED 21500 1450 0
TELECOM CORP OF NEW ZEALAND LT SPON ADR 879278208 6 400 SH DEFINED 400 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 16 400 SH DEFINED 400 0 0
TENET HEALTHCARE CORPORATION 88033G100 13 200 SH DEFINED 200 0 0
TERAYON COMMUNICATION 880775101 1 200 SH DEFINED 200 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 155 2850 SH SOLE 2850 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 423 7750 SH DEFINED 7750 0 0
TEXAS INSTRUMENTS 882508104 384 11617 SH SOLE 11517 0 100
TEXAS INSTRUMENTS 882508104 1490 45030 SH DEFINED 41180 2850 1000
TEXTRON INC 883203101 35 700 SH DEFINED 550 150 0
THERMO ELECTRON CORP COM 883556102 47 2272 SH DEFINED 2272 0 0
THOMAS & BETTS CORPORATION 884315102 8 400 SH DEFINED 400 0 0
3COM CORP COM 885535104 1 300 SH DEFINED 300 0 0
TIMKEN CO 887389104 69 3000 SH DEFINED 3000 0 0
TORCHMARK CORP. 891027104 96 2400 SH DEFINED 2400 0 0
TOYS "R" US INC 892335100 5 300 SH SOLE 300 0 0
TRANSCANADA PIPELINES LTD 893526103 2 152 SH SOLE 152 0 0
TRI-CONTINENTAL CORPORATION 895436103 31 1643 SH SOLE 1643 0 0
TRI-CONTINENTAL CORPORATION 895436103 14 739 SH DEFINED 739 0 0
TRICON GLOBAL RESTAURANTS INC COM 895953107 1 20 SH DEFINED 20 0 0
TRIBUNE CO NEW COM 896047107 55 1227 SH DEFINED 1227 0 0
TUPPERWARE CORP COM 899896104 1 66 SH DEFINED 66 0 0
TYCO INTL LTD NEW COM 902124106 3 100 SH SOLE 100 0 0
TYCO INTL LTD NEW COM 902124106 65 2035 SH DEFINED 2035 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
UGI CORPORATION 902681105 291 9300 SH SOLE 9300 0 0
UGI CORPORATION 902681105 313 10000 SH DEFINED 10000 0 0
UST INC COM 902911106 46 1200 SH SOLE 1200 0 0
U S ENERGY SYSTEMS INC 902951102 0 1 SH DEFINED 1 0 0
USA ED INC 90390U102 400 4100 SH SOLE 4100 0 0
UNION PACIFIC CORP COM 907818108 170 2750 SH SOLE 2750 0 0
UNION PACIFIC CORP COM 907818108 273 4408 SH DEFINED 1950 0 2458
UNITED NATIONAL BANCORP NJ 910909100 143 6203 SH DEFINED 6203 0 0
UNITED PARCEL SERVICE 911312106 183 3015 SH DEFINED 3015 0 0
UNITED TECHNOLOGIES CORP COM 913017109 362 4885 SH SOLE 4885 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1339 18053 SH DEFINED 17653 300 100
UNOCAL CORP COM 915289102 23 605 SH DEFINED 355 250 0
VALLEY NATIONAL BANCORP. 919794107 102 2928 SH DEFINED 2928 0 0
VERITAS DGC INC 92343P107 8 500 SH SOLE 500 0 0
VERIZON CORPORATION 92343V104 779 16907 SH SOLE 15443 1414 50
VERIZON CORPORATION 92343V104 4300 93314 SH DEFINED 87269 1425 4620
VERITAS SOFTWARE CORP 923436109 59 1366 SH SOLE 1366 0 0
VERITAS SOFTWARE CORP 923436109 141 3233 SH DEFINED 3233 0 0
VIACOM INC. CLASS B COMMON 925524308 86 1784 SH DEFINED 1784 0 0
VIASYS HEALTHCARE INC 92553Q209 7 331 SH DEFINED 331 0 0
VIISAGE TECHNOLOGY 92675K106 3 500 SH SOLE 500 0 0
VISTA BANCORP 92830R103 270 10030 SH DEFINED 10030 0 0
VISTEON CORP 92839U107 6 408 SH DEFINED 330 78 0
VISUAL NETWORKS INC 928444108 2 1000 SH DEFINED 1000 0 0
VODAFONE GROUP PLC 92857W100 167 9065 SH SOLE 8065 1000 0
VODAFONE GROUP PLC 92857W100 576 31269 SH DEFINED 29136 133 2000
VORNADO REALTY TRUST 929042109 44 1000 SH DEFINED 1000 0 0
VULCAN MATERIALS COMPANY COM 929160109 57 1200 SH DEFINED 1200 0 0
WGL HOLDINGS INC 92924F106 145 5400 SH DEFINED 4400 0 1000
WACHOVIA CORP 2ND NEW COM 929903102 2821 76124 SH SOLE 76124 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1547 41747 SH DEFINED 41423 324 0
WAL-MART STORES INC 931142103 317 5175 SH SOLE 5175 0 0
WAL-MART STORES INC 931142103 846 13815 SH DEFINED 13815 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------------- --------------- --------- -------- ------- --- ---- ------- -------- ------- ------ ------
WALGREEN CO 931422109 15 400 SH DEFINED 400 0 0
WASHINGTON MUTUAL INC 939322103 43 1300 SH DEFINED 1300 0 0
WASHINGTON TRUST BANCORP INC 940610108 61 3163 SH DEFINED 3163 0 0
WASTE MANAGEMENT INC 94106L109 3 145 SH DEFINED 145 0 0
WELLS FARGO & CO NEW COM 949746101 121 2450 SH SOLE 2450 0 0
WELLS FARGO & CO NEW COM 949746101 443 8985 SH DEFINED 8275 0 710
WESTERN RESOURCES, INC. 959425109 3 200 SH DEFINED 200 0 0
WEYERHAEUSER CO COM 962166104 23 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 62 1000 SH DEFINED 1000 0 0
WHIRLPOOL CORP COM 963320106 22 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 18 400 SH SOLE 400 0 0
WHOLE FOOD MARKET INC 966837106 27 600 SH DEFINED 600 0 0
WILLIAMS SONOMA INC COM 969904101 110 2400 SH DEFINED 2400 0 0
WIND RIVER SYSTEMS 973149107 34 2550 SH SOLE 2550 0 0
WIND RIVER SYSTEMS 973149107 1 100 SH DEFINED 100 0 0
WISCONSIN ENERGY CORP COM 976657106 101 4089 SH DEFINED 4089 0 0
WOLVERINE WORLD WIDE INC COM 978097103 62 3500 SH SOLE 3500 0 0
WORLD WRESTLING FEDERATION ENTERTAINMENT 98156Q108 0 50 SH DEFINED 50 0 0
WORLDCOM INC GA NEW 98157D106 7 1125 SH SOLE 1125 0 0
WORLDCOM INC GA NEW 98157D106 95 14223 SH DEFINED 12023 150 2050
WORLDCOM INC GA NEW MCI GROUP COM 98157D304 0 9 SH SOLE 9 0 0
WORLDCOM INC GA NEW MCI GROUP COM 98157D304 0 100 SH DEFINED 100 0 0
WRIGLEY WM JR CO 982526105 10 200 SH SOLE 200 0 0
XM SATELLITE RADIO HOLDINGS INC 983759101 2 150 SH DEFINED 150 0 0
XCEL ENERGY INC 98389B100 121 4782 SH DEFINED 4782 0 0
XILINX INC 983919101 127 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 69 6500 SH DEFINED 5600 0 900
XYBERNAUT CORP 984149104 1 1000 SH SOLE 1000 0 0
ZIMMER HOLDINGS GROUP 98956P102 351 10333 SH SOLE 9783 0 550
ZIMMER HOLDINGS GROUP 98956P102 1040 30571 SH DEFINED 30021 300 250
ZWEIG TOTAL RETURN FD INC 989837109 12 1812 SH DEFINED 1812 0 0
GRAND TOTALS 216951 5449004 5153133 139637 156234