UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 06/30/03
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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 07/28/03
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[Signature] [City, State] [Date]
Report Type (Check only one.):
[X] 13F HOLDINGS REPORT. (Check if all holdings of this reporting manager are
reported in this report.)
[ ] 13F NOTICE. (Check if no holdings reported are in this report, and all
holdings are reported in this report and a portion are reported by other
reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check if a portion of the holdings for this
reporting manager are reported in this report and a portion are reported by
other reporting manager(s).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
28-
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[Repeat as necessary.]
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
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Form 13F Information Table Entry Total: 7,289,439
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Form 13F Information Table Value Total: 253,004
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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 29 848 SH DEFINED 848 0 0
FOSTER WHEELER LTD G36535105 0 200 SH DEFINED 200 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 90 1907 SH SOLE 1907 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 314 6650 SH DEFINED 6650 0 0
TRANSOCEAN INC G90078109 10 477 SH DEFINED 477 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 33 3200 SH SOLE 3200 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 179 17200 SH DEFINED 16500 0 700
AFLAC INCORPORATED 001055102 36 1200 SH DEFINED 1200 0 0
AGCO CORPORATION 001084102 545 31975 SH SOLE 30825 0 1150
AGCO CORPORATION 001084102 211 12375 SH DEFINED 12375 0 0
AES CORPORATION 00130H105 5 933 SH SOLE 933 0 0
AK STEEL HOLDING CORP 001547108 3 1000 SH DEFINED 1000 0 0
AOL TIME WARNER INC 00184A105 261 16275 SH SOLE 16275 0 0
AOL TIME WARNER INC 00184A105 664 41313 SH DEFINED 38013 0 3300
AT&T CORP NEW 001957505 32 1702 SH SOLE 1702 0 0
AT&T CORP NEW 001957505 51 2675 SH DEFINED 2616 59 0
AT&T WIRELESS SERVICES INC 00209A106 15 1936 SH SOLE 1936 0 0
AT&T WIRELESS SERVICES INC 00209A106 63 7782 SH DEFINED 7268 193 321
AVI BIOPHARMA INC 002346104 30 5000 SH DEFINED 5000 0 0
AASTROM BIOSCIENCES 00253U107 3 3500 SH DEFINED 3500 0 0
ABBOTT LABS COM 002824100 457 10457 SH SOLE 10457 0 0
ABBOTT LABS COM 002824100 1276 29185 SH DEFINED 26685 2500 0
ABERCROMBIE & FITCH 002896207 11 400 SH DEFINED 400 0 0
ADAMS EXPRESS COMPANY 006212104 12 1085 SH DEFINED 1085 0 0
ADOBE SYSTEMS INCORPORATED 00724F101 16 500 SH SOLE 500 0 0
AEGON N V ORD 007924103 31 3120 SH SOLE 3120 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 23 SH SOLE 23 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 51 SH DEFINED 19 0 32
AGERE SYSTEMS INC CLASS B 00845V209 0 323 SH SOLE 323 0 0
AGERE SYSTEMS INC CLASS B 00845V209 4 1798 SH DEFINED 1005 0 793
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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
AGILENT TECHNOLOGIES 00846U101 38 1949 SH DEFINED 1340 381 228
AIR PRODUCTS & CHEMICALS INC 009158106 538 12950 SH SOLE 12025 0 925
AIR PRODUCTS & CHEMICALS INC 009158106 344 8275 SH DEFINED 7875 400 0
AIRTRAN HOLDINGS INC COM 00949P108 1 100 SH DEFINED 100 0 0
ALBEMARLE CORP 012653101 22 800 SH SOLE 800 0 0
ALCOA INC COM 013817101 142 5600 SH SOLE 5600 0 0
ALCOA INC COM 013817101 10 400 SH DEFINED 400 0 0
ALLEGHENY ENERGY INC 017361106 13 1600 SH DEFINED 1600 0 0
ALLERGAN INC COM 018490102 25 325 SH SOLE 325 0 0
ALLERGAN INC COM 018490102 11 150 SH DEFINED 150 0 0
ALLETE INC 018522102 10 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL MANAGEMENT
HOLDING LP 01855A101 26 725 SH DEFINED 725 0 0
ALLIANCE RESOURCE PARTNERS LP 01877R108 27 1000 SH DEFINED 1000 0 0
ALLIANT ENERGY CORP COM 018802108 55 2900 SH SOLE 2900 0 0
ALLIANT ENERGY CORP COM 018802108 20 1066 SH DEFINED 1066 0 0
ALLIED CAPITAL CORP NEW 01903Q108 46 2000 SH SOLE 2000 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 5 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 3 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 73 2076 SH SOLE 2076 0 0
ALLSTATE CORP COM 020002101 42 1184 SH DEFINED 1184 0 0
ALLTELL CORPORATION 020039103 728 15100 SH SOLE 15100 0 0
ALLTELL CORPORATION 020039103 118 2458 SH DEFINED 2458 0 0
ALTRIA GROUP INC 02209S103 99 2200 SH SOLE 2200 0 0
ALTRIA GROUP INC 02209S103 467 10300 SH DEFINED 9800 0 500
AMEREN CORP COM 023608102 119 2700 SH DEFINED 2700 0 0
AMERICA MOVIL ADS 02364W105 7 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 170 5720 SH SOLE 5720 0 0
AMERICAN ELEC PWR INC COM 025537101 206 6916 SH DEFINED 6834 82 0
AMERICAN EXPRESS CO COM 025816109 111 2660 SH SOLE 2660 0 0
AMERICAN EXPRESS CO COM 025816109 324 7750 SH DEFINED 7750 0 0
AMERICAN INTERNATIONAL GROUP 026874107 1284 23275 SH SOLE 22875 0 400
AMERICAN INTERNATIONAL GROUP 026874107 2185 39602 SH DEFINED 36127 2600 875
AMERICAN STANDARD COMPANIES INC 029712106 36 500 SH DEFINED 500 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
AMERICAN TOWER CORP CLASS A 029912201 4 500 SH DEFINED 500 0 0
AMETEK INC (NEW) 031100100 117 3200 SH SOLE 3200 0 0
AMETEK INC (NEW) 031100100 10 280 SH DEFINED 280 0 0
AMGEN INC 031162100 719 10908 SH SOLE 10908 0 0
AMGEN INC 031162100 116 1770 SH DEFINED 1770 0 0
AMSOUTH BANCORPORATION 032165102 36 1687 SH DEFINED 1687 0 0
ANADARKO PETE CORP COM 032511107 251 5654 SH SOLE 5654 0 0
ANADARKO PETE CORP COM 032511107 815 18334 SH DEFINED 16850 0 1484
ANALOG DEVICES INC 032654105 2 75 SH SOLE 75 0 0
ANGLOGOLD LIMITED ADR'S PV R0.50 035128206 31 1000 SH DEFINED 0 1000 0
ANHEUSER BUSCH COS INC COM 035229103 992 19452 SH SOLE 17852 0 1600
ANHEUSER BUSCH COS INC COM 035229103 1255 24590 SH DEFINED 23115 1125 350
ANNALY MTG MANAGEMENT 035710409 91 4600 SH DEFINED 4600 0 0
ANTIGENICS INC DEL 037032109 1 89 SH DEFINED 0 0 89
APACHE CORPORATION 037411105 246 3793 SH SOLE 3793 0 0
APOLLO GROUP INC CL A 037604105 24 400 SH DEFINED 0 0 400
APPLERA CORP COM CELERA
GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 3 300 SH SOLE 300 0 0
ARM HOLDINGS PLC ADR 042068106 16 5000 SH SOLE 5000 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 136 3348 SH SOLE 3348 0 0
ATMEL CORPORATION 049513104 1 600 SH DEFINED 600 0 0
AURORA FOODS INC 05164B106 0 1501 SH SOLE 1501 0 0
AUTHENTIDATE HOLDING CORP 052666104 3 1000 SH SOLE 1000 0 0
AUTOMATIC DATA PROCESSING 053015103 432 12760 SH SOLE 12760 0 0
AUTOMATIC DATA PROCESSING 053015103 606 17910 SH DEFINED 16010 1600 300
AVAYA INC COM USD .01 053499109 3 505 SH SOLE 505 0 0
AVAYA INC COM USD .01 053499109 15 2354 SH DEFINED 2354 0 0
AVERY DENNISON CORP 053611109 17 350 SH DEFINED 350 0 0
AVON PRODUCTS 054303102 31 500 SH DEFINED 500 0 0
BASF AG ADR 055262505 17 417 SH SOLE 417 0 0
BCE INC COM 05534B109 2 100 SH SOLE 100 0 0
BOC GROUP PLC ADR 055617609 13 500 SH DEFINED 500 0 0
BP PLC 055622104 762 18137 SH SOLE 18037 0 100
BP PLC 055622104 1488 35417 SH DEFINED 33893 1524 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
BAKER HUGHES INCORPORATED COMMON 057224107 5 175 SH SOLE 175 0 0
BALLARD POWER SYSTEMS INC 05858H104 6 500 SH DEFINED 500 0 0
BANK AMERICA CORP COM 060505104 1336 16911 SH SOLE 16361 0 550
BANK AMERICA CORP COM 060505104 826 10462 SH DEFINED 9362 1100 0
BANK OF NEW YORK INC 064057102 848 29500 SH SOLE 29500 0 0
BANK OF NEW YORK INC 064057102 312 10868 SH DEFINED 10868 0 0
BK NOVA SCOTIA LA BANQUE DE
NOUVELLE ECOSSE 064149107 4 107 SH SOLE 107 0 0
BANC ONE CORP COM 06423A103 97 2615 SH DEFINED 2615 0 0
BAUSCH & LOMB INC COM 071707103 37 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 36 1400 SH SOLE 1400 0 0
BAXTER INTERNATIONAL 071813109 26 1000 SH DEFINED 1000 0 0
BAY VIEW CAPITAL CORP 07262L101 11 2000 SH DEFINED 2000 0 0
BECTON DICKINSON & COMPANY 075887109 50 1300 SH DEFINED 1300 0 0
BED BATH & BEYOND 075896100 38 1000 SH DEFINED 1000 0 0
BEDFORD PROPERTY INVESTORS INC 076446301 2 100 SH DEFINED 100 0 0
BELLSOUTH CORP COM 079860102 261 9835 SH SOLE 9835 0 0
BELLSOUTH CORP COM 079860102 979 36809 SH DEFINED 32412 3997 400
BEST BUY COMPANY INC 086516101 843 19200 SH SOLE 19200 0 0
BEST BUY COMPANY INC 086516101 196 4472 SH DEFINED 4472 0 0
BIOVAIL CORPORATION 09067J109 1678 35675 SH SOLE 34775 0 900
BIOVAIL CORPORATION 09067J109 1336 28395 SH DEFINED 26025 1495 875
BLACK & DECKER CORP COM 091797100 17 400 SH DEFINED 400 0 0
BLACKROCK MUNICIPAL INCOME TRUST 09248F109 5 400 SH DEFINED 400 0 0
BLACKROCK STRATEGIC MUNICPAL TRUST 09248T109 6 400 SH DEFINED 400 0 0
BLOCK H & R INC COM 093671105 34 800 SH DEFINED 800 0 0
BOEING CO COM 097023105 142 4165 SH SOLE 4165 0 0
BOEING CO COM 097023105 6 200 SH DEFINED 200 0 0
BOSTON PROPERTIES INC. 101121101 10 250 SH SOLE 250 0 0
BOSTON SCIENTIFIC CORP. 101137107 48 800 SH DEFINED 800 0 0
BRIGGS & STRATTON CORPORATION 109043109 0 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 958 35317 SH SOLE 32667 0 2650
BRISTOL-MYERS SQUIBB 110122108 2529 93219 SH DEFINED 91319 900 1000
BROADCOM CORPORATION COM 111320107 7 300 SH DEFINED 0 0 300
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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
BROWN FORMAN DISTILLERS CORP CLASS 'A'
VOTING 115637100 48 600 SH DEFINED 600 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 491 12525 SH SOLE 12525 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 470 11980 SH DEFINED 11980 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 22 777 SH SOLE 777 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 112 3949 SH DEFINED 2829 1120 0
BURLINGTON RESOURCES 122014103 54 1000 SH DEFINED 1000 0 0
CRACKER BARREL GROUP INC 12489V106 32 825 SH SOLE 825 0 0
CSX CORP COM 126408103 12 400 SH SOLE 400 0 0
CSX CORP COM 126408103 36 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 472 16875 SH SOLE 16875 0 0
CVS CORP COM 126650100 712 25440 SH DEFINED 20715 2850 1875
CABLE & WIRELESS 126830207 19 3600 SH SOLE 3600 0 0
CAL DIVE INTL INC 127914109 15 700 SH DEFINED 700 0 0
CALIPER TECHNOLOGIES CORP 130876105 10 2200 SH SOLE 2200 0 0
CALPINE CORP 131347106 13 2000 SH DEFINED 2000 0 0
CAMPBELL SOUP CO COM 134429109 49 2000 SH DEFINED 2000 0 0
CAPITAL ONE FINANCIAL 14040H105 1969 40045 SH SOLE 38895 0 1150
CAPITAL ONE FINANCIAL 14040H105 885 18000 SH DEFINED 16575 350 1075
CARDINAL HEALTH 14149Y108 973 15150 SH SOLE 14475 0 675
CARDINAL HEALTH 14149Y108 526 8190 SH DEFINED 6715 1375 100
CAREER EDUCATION CORP 141665109 1225 17950 SH SOLE 17250 0 700
CAREER EDUCATION CORP 141665109 706 10350 SH DEFINED 9700 150 500
CARMAX INC 143130102 90 3000 SH SOLE 3000 0 0
CATERPILLAR INC 149123101 150 2700 SH DEFINED 2700 0 0
CENDANT CORPORATION 151313103 3 200 SH DEFINED 200 0 0
CENTER BANCORP INC COM 151408101 134 8864 SH DEFINED 8864 0 0
CENTERPOINT ENERGY INC 15189T107 8 1100 SH DEFINED 1100 0 0
CERTEGY INC 156880106 9 325 SH DEFINED 325 0 0
CHESAPEAKE ENERGY CORP 165167107 20 2000 SH DEFINED 2000 0 0
CHEVRONTEXACO CORP 166764100 1265 17529 SH SOLE 16129 0 1400
CHEVRONTEXACO CORP 166764100 1383 19166 SH DEFINED 18866 200 100
CHINA MOBILE HONG KONG LTD ADR 16941M109 54 4600 SH DEFINED 1800 0 2800
CHOICEPOINT INC COM 170388102 24 700 SH DEFINED 0 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
------------------------------------ -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
CHORDIANT SOFTWARE INC. 170404107 0 240 SH DEFINED 240 0 0
THE CHUBB CORPORATION 171232101 645 10755 SH SOLE 10755 0 0
THE CHUBB CORPORATION 171232101 787 13125 SH DEFINED 13125 0 0
CHURCH & DWIGHT INC COM 171340102 65 2000 SH DEFINED 2000 0 0
CIENA CORPORATION 171779101 1 300 SH DEFINED 300 0 0
CIGNA INVESTMENT SECURITIES, INC. 17179X106 38 2191 SH DEFINED 2191 0 0
CIMAREX ENERGY CO 171798101 47 2000 SH DEFINED 2000 0 0
CINERGY CORP 172474108 9 250 SH DEFINED 250 0 0
CISCO SYS INC 17275R102 1405 83737 SH SOLE 83737 0 0
CISCO SYS INC 17275R102 1040 62034 SH DEFINED 60634 0 1400
CITIGROUP INC 172967101 1805 42202 SH SOLE 39752 0 2450
CITIGROUP INC 172967101 3407 79627 SH DEFINED 79197 430 0
CITRIX SYSTEMS INC 177376100 2 100 SH DEFINED 100 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 2080 49090 SH SOLE 49090 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 1092 25775 SH DEFINED 24475 800 500
CLOROX CO DEL COM 189054109 4 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 123 2659 SH SOLE 2659 0 0
COCA COLA CO COM 191216100 570 12304 SH DEFINED 11804 500 0
COGNIZANT TECHNOLOGY CO 192446102 29 1194 SH DEFINED 1194 0 0
COLGATE PALMOLIVE CO COM 194162103 1888 32591 SH SOLE 32491 0 100
COLGATE PALMOLIVE CO COM 194162103 2414 41659 SH DEFINED 41309 350 0
COMCAST CORP NEW CLASS A 20030N101 91 3024 SH SOLE 3024 0 0
COMCAST CORP NEW CLASS A 20030N101 201 6672 SH DEFINED 5615 734 323
COMCAST CORP NEW CLASS A SPL 20030N200 3 135 SH SOLE 135 0 0
COMERICA INC. CO 200340107 17 375 SH DEFINED 375 0 0
CONAGRA FOODS INC COM 205887102 44 1900 SH DEFINED 1400 500 0
CONOCOPHILLIPS CORP 20825C104 37 686 SH SOLE 686 0 0
CONOCOPHILLIPS CORP 20825C104 657 11998 SH DEFINED 10998 0 1000
CONSOLIDATED EDISON COM 209115104 209 4842 SH SOLE 4842 0 0
CONSOLIDATED EDISON COM 209115104 62 1448 SH DEFINED 648 800 0
CONSTELLATION BRANDS INC CL A 21036P108 764 24370 SH SOLE 24170 0 200
CONSTELLATION BRANDS INC CL A 21036P108 1090 34750 SH DEFINED 32400 300 2050
CONSTELLATION ENERGY GROUP INC COM 210371100 82 2400 SH DEFINED 2400 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
CONTINENTAL AIRLINES INC CL B 210795308 4 300 SH DEFINED 300 0 0
CORINTHIAN COLLEGES INC 218868107 111 2300 SH SOLE 2300 0 0
CORINTHIAN COLLEGES INC 218868107 72 1500 SH DEFINED 1400 0 100
CORN PRODS INTL INC COM 219023108 18 600 SH DEFINED 600 0 0
CORNING INC 219350105 41 5600 SH SOLE 5600 0 0
CORNING INC 219350105 200 27086 SH DEFINED 26186 0 900
CORPORATE HIGH YIELD FUND III INC 219925104 17 2000 SH DEFINED 2000 0 0
CORRECTIONS CORP AMER NEW 22025Y407 2 100 SH DEFINED 100 0 0
COSTCO WHOLESALE CORPORATION 22160K105 559 15300 SH SOLE 15300 0 0
COSTCO WHOLESALE CORPORATION 22160K105 217 5950 SH DEFINED 5950 0 0
COX COMMUNICATIONS INC NEW CL A 224044107 19 604 SH DEFINED 604 0 0
CROWN HOLDINGS INC 228368106 21 3000 SH DEFINED 0 3000 0
CUBIST PHARMACEUTICAL INC 229678107 3 300 SH DEFINED 300 0 0
CUMMINS ENGINE INC 231021106 179 5000 SH DEFINED 5000 0 0
CYTEC INDUSTRIES INC 232820100 0 10 SH SOLE 10 0 0
DNP SELECT INCOME FUND INC COM 23325P104 23 2160 SH DEFINED 2160 0 0
DTE ENERGY CO COM 233331107 68 1775 SH SOLE 1775 0 0
DTE ENERGY CO COM 233331107 17 454 SH DEFINED 454 0 0
DANAHER CORP 235851102 6 100 SH SOLE 100 0 0
DARDEN RESTAURANTS 237194105 168 8900 SH SOLE 8900 0 0
DARDEN RESTAURANTS 237194105 291 15390 SH DEFINED 15390 0 0
DATATEC SYSTEMS INC 238128102 0 500 SH DEFINED 500 0 0
DECODE GENETICS INC 243586104 1 619 SH DEFINED 619 0 0
DEERE & COMPANY 244199105 443 9700 SH DEFINED 9200 0 500
DEL MONTE FOODS CO 24522P103 0 66 SH SOLE 66 0 0
DEL MONTE FOODS CO 24522P103 3 365 SH DEFINED 365 0 0
DELL COMPUTER CORP 247025109 1527 47986 SH SOLE 46486 0 1500
DELL COMPUTER CORP 247025109 1127 35415 SH DEFINED 32390 1475 1550
DELPHI CORPORATION CORP 247126105 1 116 SH SOLE 116 0 0
DELPHI CORPORATION CORP 247126105 3 359 SH DEFINED 359 0 0
DELTIC TIMBER CORP 247850100 142 5000 SH DEFINED 5000 0 0
DELUXE CORP COM 248019101 4 100 SH DEFINED 100 0 0
DEPOMED INC 249908104 9 2000 SH SOLE 2000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
DEVELOPERS DIVERSIFIED 251591103 0 29 SH DEFINED 29 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 1 20 SH SOLE 20 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 16 300 SH DEFINED 300 0 0
DIAMONDS TRUST SER I 252787106 26 300 SH DEFINED 300 0 0
DIEBOLD INC 253651103 43 1000 SH SOLE 1000 0 0
DISNEY WALT CO COM DISNEY 254687106 65 3300 SH SOLE 3300 0 0
DISNEY WALT CO COM DISNEY 254687106 325 16491 SH DEFINED 14468 2023 0
DOLLAR TREE STORES INC 256747106 6 200 SH DEFINED 200 0 0
DOMINION RES INC 25746U109 31 484 SH SOLE 484 0 0
DOMINION RES INC 25746U109 476 7417 SH DEFINED 6521 896 0
DONALDSON INC 257651109 505 11375 SH SOLE 11375 0 0
DONALDSON INC 257651109 195 4400 SH DEFINED 4400 0 0
DOVER CORPORATION 260003108 99 3315 SH SOLE 3315 0 0
DOW CHEM CO COM 260543103 281 9109 SH SOLE 9109 0 0
DOW CHEM CO COM 260543103 316 10222 SH DEFINED 7822 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 727 17472 SH SOLE 17472 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 969 23290 SH DEFINED 22090 0 1200
DUKE ENERGY CORP COM 264399106 368 18464 SH SOLE 18464 0 0
DUKE ENERGY CORP COM 264399106 316 15877 SH DEFINED 15333 544 0
DUKE REALTY CORP 264411505 5 200 SH DEFINED 200 0 0
DURBAN ROODEPOORT DEEP LTD SPON ADR 266597301 5 2000 SH DEFINED 2000 0 0
DYAX CORPORATION 26746E103 12 3000 SH SOLE 3000 0 0
E M C CORPORATION 268648102 74 7125 SH SOLE 7125 0 0
E M C CORPORATION 268648102 65 6260 SH DEFINED 6260 0 0
EMS TECHNOLOGIES INC 26873N108 4 300 SH DEFINED 300 0 0
EOG RES INC 26875P101 104 2500 SH DEFINED 2500 0 0
EP MEDSYSTEMS INC 26881P103 2 1000 SH DEFINED 1000 0 0
E*TRADE GROUP 269246104 6 800 SH DEFINED 800 0 0
EASTMAN CHEMICAL COMPANY 277432100 3 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 9 351 SH SOLE 351 0 0
EASTMAN KODAK CO COM 277461109 13 500 SH DEFINED 0 0 500
EASYLINK SERVICES CORP CLASS A 27784T200 0 150 SH DEFINED 150 0 0
EATON VANCE CORP 278265103 15 500 SH SOLE 500 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
EATON VANCE INSD MUNICIPAL BOND FUND 27827X101 5 350 DEFINED 350 0 0
EBAY INC 278642103 2 25 SH SOLE 25 0 0
EBAY INC 278642103 104 1000 SH DEFINED 0 0 1000
EDISON SCHOOLS INC 281033100 15 10600 SH DEFINED 10600 0 0
EL PASO CORPORATION 28336L109 0 75 SH SOLE 75 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 25 1187 SH SOLE 1187 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 2 100 SH DEFINED 0 100 0
EMERSON ELEC CO COM 291011104 191 3750 SH SOLE 3750 0 0
EMERSON ELEC CO COM 291011104 398 7808 SH DEFINED 7808 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 119 2500 SH SOLE 2500 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 189 3950 SH DEFINED 3550 400 0
ENERGEN CORP COM 29265N108 39 1200 SH DEFINED 1200 0 0
ENERGY EAST CORP COM 29266M109 123 5950 SH DEFINED 5950 0 0
ENGELHARD CORP COM 292845104 62 2530 SH DEFINED 2530 0 0
ENTERGY CORP NEW COM 29364G103 131 2500 SH DEFINED 2500 0 0
ENTREMED INC COM 29382F103 4 1200 SH DEFINED 900 0 300
EQUIFAX, INC. 294429105 16 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 40 1000 SH DEFINED 1000 0 0
EQUITY INCOME FUND EXCHANGE SER. AT&T
SHS 1ST 294700703 46 576 SH DEFINED 576 0 0
EQUITY OFFICE PPTYS TR COM 294741103 5 190 SH SOLE 190 0 0
EQUITY OFFICE PPTYS TR COM 294741103 27 1000 SH DEFINED 1000 0 0
EQUITY RESIDENTIAL SBI 29476L107 32 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL SBI 29476L107 5 200 SH DEFINED 200 0 0
ETHYL CORP 297659609 3 320 SH SOLE 320 0 0
EXATECH INC 30064E109 14 1000 SH DEFINED 1000 0 0
EXELON CORP COM 30161N101 9 154 SH SOLE 154 0 0
EXELON CORP COM 30161N101 35 594 SH DEFINED 594 0 0
EXXON MOBIL CORP COM 30231G102 4432 123479 SH SOLE 120479 0 3000
EXXON MOBIL CORP COM 30231G102 9699 270193 SH DEFINED 241165 17344 11684
FPL GROUP INC COM 302571104 337 5050 SH SOLE 5050 0 0
FPL GROUP INC COM 302571104 441 6600 SH DEFINED 6600 0 0
FAMILY DEALER STORES INC 307000109 2 70 SH SOLE 70 0 0
FEDERAL HOME LOAN MORTGAGE
CORPORATION COMMON 313400301 4 90 SH SOLE 90 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 610 9050 SH SOLE 9050 0 0
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 339 5040 SH DEFINED 3090 1950 0
FEDERAL REALTY INVESTMENT TRUST 313747206 13 423 SH DEFINED 423 0 0
FEDEX CORPORATION 31428X106 31 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 8 150 SH DEFINED 150 0 0
FIRST DATA CORPORATION 319963104 788 19028 SH SOLE 19028 0 0
FIRST DATA CORPORATION 319963104 66 1600 SH DEFINED 1100 500 0
FIRST VIRGINIA BANK INC 337477103 16 375 SH SOLE 375 0 0
FIRSTENERGY CORP COM 337932107 26 700 SH DEFINED 700 0 0
FLEETBOSTON FINANCIAL CORP COM 339030108 1238 41704 SH DEFINED 41604 100 0
FLOWER FOODS INC 343498101 14 750 SH DEFINED 750 0 0
FORD MOTOR CO DEL 345370860 2 200 SH SOLE 200 0 0
FORD MOTOR CO DEL 345370860 84 7696 SH DEFINED 6648 1048 0
FOREST LABORATORIES INC 345838106 877 16025 SH SOLE 15225 0 800
FOREST LABORATORIES INC 345838106 420 7675 SH DEFINED 7675 0 0
FORTUNE BRANDS INC COM 349631101 146 2808 SH SOLE 2808 0 0
FORTUNE BRANDS INC COM 349631101 93 1800 SH DEFINED 900 900 0
FRANKLIN RESOURCES INC 354613101 58 1500 SH SOLE 1500 0 0
GABLES RESIDENTIAL TRUST 362418105 30 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 36 928 SH SOLE 928 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 92 2337 SH DEFINED 2337 0 0
GAP INC 364760108 2 150 SH SOLE 150 0 0
GENENTECH INC 368710406 245 3410 SH SOLE 3410 0 0
GENENTECH INC 368710406 560 7775 SH DEFINED 7475 0 300
GENERAL ELEC CO COM 369604103 5617 195854 SH SOLE 192904 0 2950
GENERAL ELEC CO COM 369604103 8688 302931 SH DEFINED 272597 27134 3200
GENERAL GROWTH PPTYS INC 370021107 12 200 SH DEFINED 200 0 0
GENERAL MILLS, INC 370334104 18 400 SH DEFINED 400 0 0
GENERAL MTRS CORP COM 370442105 533 14832 SH SOLE 13082 0 1750
GENERAL MTRS CORP COM 370442105 501 13934 SH DEFINED 12684 1250 0
GENERAL MOTORS CLASS H NEW 370442832 6 516 SH SOLE 516 0 0
GENERAL MOTORS CLASS H NEW 370442832 144 11269 SH DEFINED 11269 0 0
GENVEC INC 37246C109 1 500 SH DEFINED 500 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
GEORGIA PAC CORP COM GA PAC GRP 373298108 96 5093 SH DEFINED 5093 0 0
GILLETTE COMPANY 375766102 246 7733 SH SOLE 7733 0 0
GILLETTE COMPANY 375766102 121 3800 SH DEFINED 3800 0 0
GLAMIS GOLD LTD COMMON 376775102 11 1000 SH DEFINED 0 1000 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 245 6062 SH SOLE 6062 0 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 203 5012 SH DEFINED 5012 0 0
GOLDCORP INC 380956409 12 1000 SH DEFINED 0 1000 0
GOLDMAN SACHS GROUP 38141G104 125 1500 SH SOLE 1500 0 0
GOLDMAN SACHS GROUP 38141G104 185 2210 SH DEFINED 2210 0 0
HRPT PPTYS TR COMM SH BEN INT 40426W101 9 1000 SH DEFINED 1000 0 0
HSBC HOLDINGS ADR 404280406 12 206 SH SOLE 206 0 0
HSBC HOLDINGS ADR 404280406 47 802 SH DEFINED 802 0 0
HAIN CELESTIAL GROUP INC 405217100 10 650 SH DEFINED 650 0 0
HALLIBURTON CO COM 406216101 20 896 SH SOLE 896 0 0
HALLIBURTON CO COM 406216101 211 9182 SH DEFINED 9182 0 0
JOHN HANCOCK INCOME SECURITIES TRUST 410123103 4 267 SH DEFINED 267 0 0
JOHN HANCOCK PATRIOT PREMIUM DIV FD I COM 41013Q101 16 1834 SH DEFINED 1834 0 0
HANCOCK JOHN PATRIOT PREMIUM
DIVIDEND FUND II 41013T105 12 1100 SH DEFINED 1100 0 0
JOHN HANCOCK FINANCIAL SERVICES, INC. 41014S106 31 1014 SH DEFINED 1014 0 0
HANDSPRING INC 410293104 0 200 SH SOLE 200 0 0
HARBOR FLA BANCSHARES 411901101 12 502 SH DEFINED 502 0 0
HARLEY DAVIDSON 412822108 11 300 SH SOLE 300 0 0
HARLEY DAVIDSON 412822108 175 4400 SH DEFINED 4400 0 0
HARMONY GOLD MINING ADR 413216300 13 1000 SH DEFINED 0 1000 0
HARTFORD FINL SVCS GROUP INC COM 416515104 98 1962 SH SOLE 1962 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 56 1112 SH DEFINED 1112 0 0
HAWAIIAN ELECTRIC INDUSTRIES INC 419870100 22 500 SH SOLE 500 0 0
H.J. HEINZ COMPANY 423074103 4 150 SH SOLE 150 0 0
H.J. HEINZ COMPANY 423074103 29 900 SH DEFINED 900 0 0
HERSHEY FOODS CORP COM 427866108 2 35 SH SOLE 35 0 0
HERSHEY FOODS CORP COM 427866108 208 3000 SH DEFINED 2400 0 600
HEWLETT PACKARD CO COM 428236103 46 2172 SH SOLE 2172 0 0
HEWLETT PACKARD CO COM 428236103 329 15483 SH DEFINED 12283 2000 1200
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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
HIBERNIA CORP 428656102 5 300 SH SOLE 300 0 0
HOME DEPOT, INC 437076102 1707 51565 SH SOLE 48865 0 2700
HOME DEPOT, INC 437076102 2213 66851 SH DEFINED 64851 850 1150
HONEYWELL INTERNATIONAL INC COM 438516106 126 4698 SH SOLE 4698 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 146 5458 SH DEFINED 5458 0 0
HOST MARRIOTT CORPORATION 44107P104 28 3074 SH DEFINED 3074 0 0
HUDSON CITY BANCORP 443683107 56 2200 SH DEFINED 2200 0 0
HYPERION TOTAL RETURN FUND INC 449145101 31 3150 SH SOLE 3150 0 0
IMS HEALTH INCORPORATED 449934108 47 2632 SH DEFINED 2632 0 0
ITT INDUSTRIES INC COM 450911102 44 682 SH SOLE 682 0 0
ITT INDUSTRIES INC COM 450911102 36 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 31 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 7 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 105 4000 SH DEFINED 4000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 30 463 SH DEFINED 361 102 0
IMAGE ENTERTAINMENT INC 452439201 2 1000 SH DEFINED 1000 0 0
IMAGISTICS INTERNATIONAL INC 45247T104 11 460 SH DEFINED 460 0 0
INDYMAC BANCORP INC 456607100 25 1000 SH DEFINED 1000 0 0
INNKEEPERS USA TRUST 4576J0104 13 2000 SH DEFINED 2000 0 0
INTEL CORP COM 458140100 913 43897 SH SOLE 42497 0 1400
INTEL CORP COM 458140100 1138 54730 SH DEFINED 52630 2100 0
INTERMEDIATE MUNICIPAL FUND INC 45880P104 19 2000 DEFINED 2000 0 0
INTL BUSINESS MACHINE CORP COMMON 459200101 2217 26877 SH SOLE 25677 0 1200
INTL BUSINESS MACHINE CORP COMMON 459200101 4848 58770 SH DEFINED 56170 1000 1600
INTL PAPER CO COM 460146103 167 4697 SH DEFINED 4697 0 0
INTERNET HOLDERS TRUST 46059W102 3 100 SH SOLE 100 0 0
INTEVAC INC 461148108 22 3300 SH DEFINED 0 3300 0
INTUIT 461202103 4 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 26 683 SH DEFINED 683 0 0
IVAX CORP 465823102 3 187 SH DEFINED 187 0 0
JDS UNIPHASE CORPORATION 46612J101 0 200 SH SOLE 200 0 0
J P MORGAN CHASE & CO 46625H100 129 3800 SH SOLE 3800 0 0
J P MORGAN CHASE & CO 46625H100 1663 48679 SH DEFINED 46325 1480 874
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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
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 28 683 SH SOLE 683 0 0
JEFFERSON PILOT CORPORATION 475070108 42 1035 SH DEFINED 1035 0 0
JETBLUE AIRWAYS 477143101 8 200 SH DEFINED 200 0 0
JOHNSON & JOHNSON COM 478160104 3261 63083 SH SOLE 61483 0 1600
JOHNSON & JOHNSON COM 478160104 7094 137217 SH DEFINED 128692 5975 2550
JUNIPER NETWORKS 48203R104 1 100 SH SOLE 100 0 0
KADANT INC 48282T104 10 558 SH DEFINED 558 0 0
KANEB PIPE LINE PARTNERS LP 484169107 211 4850 SH DEFINED 4850 0 0
KEMET CORP 488360108 10 1000 SH DEFINED 1000 0 0
KERR MCGEE CORP 492386107 2 50 SH SOLE 50 0 0
KERR MCGEE CORP 492386107 0 18 SH DEFINED 18 0 0
KEYSPAN CORP COM 49337W100 47 1341 SH DEFINED 1341 0 0
KEYSTONE PROPERTY TRUST MD 493596100 29 1600 SH DEFINED 1600 0 0
KIMBERLY-CLARK CORPORATION 494368103 432 8300 SH SOLE 8300 0 0
KIMBERLY-CLARK CORPORATION 494368103 504 9685 SH DEFINED 8985 500 200
KIMCO REALITY CORPORATION 49446R109 58 1550 SH SOLE 1550 0 0
KIMCO REALITY CORPORATION 49446R109 178 4700 SH DEFINED 3350 1350 0
KINDER MORGAN ENERGY PARTNERS L P 494550106 209 5300 SH DEFINED 5300 0 0
KING PHARMACEUTICALS INC 495582108 59 4000 SH SOLE 4000 0 0
KNIGHT-RIDDER INC 499040103 1108 16075 SH SOLE 14625 0 1450
KNIGHT-RIDDER INC 499040103 1068 15500 SH DEFINED 13475 1150 875
KONINKLIJKE PHILIPS ELECTRS N V SP
ADR 500472303 5 291 SH DEFINED 291 0 0
KRAFT FOODS INC 50075N104 35 1100 SH DEFINED 1100 0 0
KRAMONT REALTY TRUST COM 50075Q107 13 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 8 200 SH DEFINED 200 0 0
KROGER COMPANY COM 501044101 95 5700 SH SOLE 5700 0 0
KROGER COMPANY COM 501044101 58 3500 SH DEFINED 3500 0 0
KROLL INC 501049100 8 300 SH SOLE 300 0 0
L-3 COMMUNICATIONS HLDGS INC 502424104 1201 27630 SH SOLE 27530 0 100
L-3 COMMUNICATIONS HLDGS INC 502424104 848 19525 SH DEFINED 17450 1050 1025
LA-Z-BOY INC 505336107 42 1900 SH SOLE 1900 0 0
LA-Z-BOY INC 505336107 42 1900 SH DEFINED 1400 0 500
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
----------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ --------
LEHMAN BROTHERS HOLDINGS INC 524908100 6 100 SH SOLE 100 0 0
LENDING TREE INC 52602Q105 10 450 SH SOLE 450 0 0
LENNAR CORP 526057104 71 1000 SH DEFINED 1000 0 0
LILLY ELI & CO COM 532457108 34 497 SH SOLE 497 0 0
LILLY ELI & CO COM 532457108 620 8996 SH DEFINED 8596 0 400
LOCKHEED MARTIN CORP 539830109 402 8468 SH SOLE 8468 0 0
LOCKHEED MARTIN CORP 539830109 73 1550 SH DEFINED 1550 0 0
LOWES COMPANIES INC 548661107 622 14493 SH SOLE 14493 0 0
LOWES COMPANIES INC 548661107 300 7000 SH DEFINED 6700 200 100
LUBRIZOL CORP COM 549271104 61 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 18 9191 SH SOLE 9191 0 0
LUCENT TECHNOLOGY INC 549463107 77 38271 SH DEFINED 36381 1890 0
LYONDELL CHEMICAL COMPANY 552078107 4 300 SH DEFINED 300 0 0
MBIA, INC 55262C100 1279 26250 SH SOLE 25850 0 400
MBIA, INC 55262C100 600 12325 SH DEFINED 11025 100 1200
MBNA CORPORATION 55262L100 8 423 SH SOLE 423 0 0
MBNA CORPORATION 55262L100 51 2491 SH DEFINED 2491 0 0
MFS CHARTER INCOME TRUST 552727109 13 1500 SH DEFINED 1500 0 0
MGI PHARMACEUTICALS 552880106 2 100 SH SOLE 100 0 0
MGI PHARMACEUTICALS 552880106 5 200 SH DEFINED 200 0 0
MACK-CALI REALTY CORP 554489104 14 400 SH SOLE 400 0 0
SMITH BARNEY MANAGED MUNICIPALS
PORTFOLIO, INC. 561662107 21 2000 DEFINED 2000 0 0
MARATHON OIL CORP 565849106 31 1200 SH DEFINED 1200 0 0
MARSHALL & ILSLEY CORP 571834100 574 18800 SH SOLE 18100 0 700
MARSHALL & ILSLEY CORP 571834100 358 11725 SH DEFINED 11325 0 400
MAYTAG CORPORATION 578592107 12 500 SH SOLE 500 0 0
MAYTAG CORPORATION 578592107 10 425 SH DEFINED 425 0 0
MCCLATCHY COMPANY 579489105 812 14100 SH SOLE 14100 0 0
MCCLATCHY COMPANY 579489105 393 6825 SH DEFINED 6825 0 0
MCCORMICK & CO INC COMMON NON-
VOTING 579780206 801 29455 SH SOLE 28555 0 900
MCCORMICK & CO INC COMMON NON-
VOTING 579780206 713 26225 SH DEFINED 25125 300 800
MCDONALDS CORP COM 580135101 52 2400 SH DEFINED 2400 0 0
MCGRAW HILL COMPANIES INC 580645109 391 6320 SH SOLE 6320 0 0
MCGRAW HILL COMPANIES INC 580645109 104 1680 SH DEFINED 1680 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
MCKESSON CORPORATION 58155Q103 5 148 SH DEFINED 148 0 0
MEADWESTVACO CORP 583334107 66 2700 SH DEFINED 2700 0 0
MEDAREX INC 583916101 2 400 SH DEFINED 400 0 0
MEDTRONIC INC 585055106 18 395 SH SOLE 395 0 0
MEDTRONIC INC 585055106 217 4540 SH DEFINED 4540 0 0
MELLON FINANCIAL CORP COM 58551A108 27 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 15 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 1623 26809 SH SOLE 26809 0 0
MERCK & CO INC COM 589331107 4204 69445 SH DEFINED 67245 1500 700
MERCURY INTERACTIVE CORP 589405109 11 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 121 2600 SH DEFINED 2600 0 0
METLIFE INC 59156R108 84 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 2054 80145 SH SOLE 76745 0 3400
MICROSOFT CORP 594918104 1972 76953 SH DEFINED 71903 2900 2150
MIDDLESEX WATER CO COM 596680108 116 4726 SH DEFINED 4726 0 0
MILLENNIUM PHARMACEUTICALS 599902103 4 296 SH DEFINED 296 0 0
MIPS TECHNOLOGIES INC 604567206 0 27 SH DEFINED 27 0 0
MIRANT CORP 604675108 0 318 SH SOLE 318 0 0
MIRANT CORP 604675108 5 1923 SH DEFINED 1923 0 0
ROBERT MONDAVI 609200100 2 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 0 12 SH SOLE 12 0 0
MONSANTO CO NEW 61166W101 14 690 SH DEFINED 690 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 57 1350 SH SOLE 1350 0 0
MORGAN STANLEY DEAN WITTER & CO 617446448 118 2766 SH DEFINED 2684 82 0
MOTOROLA, INC 620076109 7 820 SH SOLE 820 0 0
MOTOROLA, INC 620076109 128 13656 SH DEFINED 10956 300 2400
MUNIYIELD NJ INSURED FUND INC. COMMON 625921101 45 2915 SOLE 2915 0 0
MUNIHOLDING NY INSD FUND INC 625931100 18 1253 SH DEFINED 1253 0 0
MUNIHOLDINGS NEW JERSEY INS D
FUND INC 625936109 52 3509 SOLE 3509 0 0
MUNIHOLDINGS NEW JERSEY INS D
FUND INC 625936109 11 778 DEFINED 778 0 0
MUNIYIELD INSD FUND INC 62630E107 14 950 DEFINED 950 0 0
MURPHY OIL CORPORATION 626717102 105 2000 SH DEFINED 2000 0 0
MYLAN LABORATORUES INC 628530107 34 1000 SH DEFINED 1000 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
NCE PETRO FUND I TR UNIT 62885E406 29 3000 SH SOLE 3000 0 0
NCR CORP NEW 62886E108 7 297 SH DEFINED 297 0 0
NL INDS INC COM NEW 629156407 3 220 SH SOLE 220 0 0
NUI HOLDING CORP 629431107 7 500 SH DEFINED 500 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 2 100 SH DEFINED 100 0 0
NASTECH PHARMACETICAL 631728409 4 400 SH DEFINED 400 0 0
NATIONAL CITY CORP 635405103 39 1200 SH DEFINED 0 1200 0
NATIONAL FUEL GAS CO N J COM 636180101 88 3392 SH DEFINED 3392 0 0
NATIONWIDE FINANCIAL SERVIC ES CLASS A 638612101 3 112 SH DEFINED 112 0 0
NAUTILUS GROUP INC 63910B102 12 1000 SH DEFINED 1000 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NEUROGEN CORP 64124E106 4 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES CORPORATION 646025106 42 1200 SH SOLE 1200 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 32 1500 SH DEFINED 400 1100 0
NEWMONT MINING CORP 651639106 2 79 SH SOLE 79 0 0
NEWMONT MINING CORP 651639106 32 1000 SH DEFINED 0 1000 0
NISOURCE INC COM 65473P105 9 500 SH SOLE 500 0 0
NISOURCE INC COM 65473P105 81 4300 SH DEFINED 4300 0 0
NOBEL LEARNING COMMUNITIES INC 654889104 14 4000 SH DEFINED 4000 0 0
NOKIA CORPORATION ADR 654902204 159 9680 SH SOLE 9680 0 0
NOKIA CORPORATION ADR 654902204 58 3550 SH DEFINED 2950 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 121 6354 SH SOLE 6354 0 0
NORFOLK SOUTHERN CORP COM 655844108 97 5060 SH DEFINED 4700 360 0
NORSK HYDRO ADR 656531605 109 2222 SH DEFINED 2222 0 0
NORTEL NETWORKS CORP NEW 656568102 2 1100 SH DEFINED 100 0 1000
NORTHERN BORDER PARTNERS L P UNIT
LTD PARTN 664785102 53 1275 SH SOLE 1275 0 0
NORTHERN BORDER PARTNERS L P UNIT
LTD PARTN 664785102 313 7500 SH DEFINED 7500 0 0
NORTHERN TRUST CORP 665859104 191 4600 SH SOLE 4600 0 0
NORTHERN TRUST CORP 665859104 16 400 SH DEFINED 400 0 0
NORTHROP GRUMMAN CORP 666807102 20 240 SH SOLE 240 0 0
NORTHROP GRUMMAN CORP 666807102 122 1414 SH DEFINED 1414 0 0
NOVARTIS AG ADRS 66987V109 6 155 SH SOLE 155 0 0
NOVARTIS AG ADRS 66987V109 19 500 SH DEFINED 500 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
NSTAR COM 67019E107 18 405 SH SOLE 405 0 0
NSTAR COM 67019E107 38 840 SH DEFINED 840 0 0
NUVEEN PERFORMANCE PLUS MUNICIPAL
FUND 67062P108 23 1500 SOLE 1500 0 0
NUVEEN QUALITY PFD INCOME FUND II 67072C105 6 400 SH DEFINED 400 0 0
OGE ENERGY CO. 670837103 21 1000 SH SOLE 1000 0 0
OGE ENERGY CO. 670837103 8 400 SH DEFINED 400 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 138 8658 SOLE 8658 0 0
NUVEEN NJ INVT QUALITY MUN FUND COM 670971100 111 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY
FUND INC 670984103 65 4070 SOLE 4070 0 0
NUVEEN INSD MUNICIPAL OPPORTUNITY
FUND INC 670984103 51 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED MUNICIPAL
INCOME FUND 670987106 27 1650 DEFINED 1650 0 0
OSI PHARMACEUTICALS INC. COM 671040103 10 334 SH DEFINED 334 0 0
OCCIDENTAL PETE CORP DEL COM 674599105 16 500 SH DEFINED 500 0 0
OFFICEMAX INC 67622M108 12 1900 SH DEFINED 1900 0 0
ONEOK INC NEW COM 682680103 78 4000 SH DEFINED 4000 0 0
OPENWAVE SYS INC COM 683718100 0 300 SH DEFINED 300 0 0
ORACLE CORPORATION 68389X105 65 5450 SH SOLE 5450 0 0
ORACLE CORPORATION 68389X105 245 20420 SH DEFINED 16820 0 3600
OPPENHEIMER MULTI-SECTOR INCOME FUND 683933105 13 1700 SH SOLE 1700 0 0
PG&E CORP COM 69331C108 8 400 SH DEFINED 400 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 277 5681 SH SOLE 5681 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 50 1025 SH DEFINED 1025 0 0
PPG INDS INC COM 693506107 10 200 SH SOLE 200 0 0
PPG INDS INC COM 693506107 50 1000 SH DEFINED 1000 0 0
PPL CORP 69351T106 8 200 SH SOLE 200 0 0
PPL CORP 69351T106 51 1200 SH DEFINED 1000 200 0
PACCAR INC COM 693718108 55 825 SH DEFINED 825 0 0
PACIFIC ENERGY PARTNERS LP 69422R105 145 5650 SH DEFINED 5650 0 0
PACTIV CORP COM 695257105 1 100 SH SOLE 100 0 0
PALM INC 696642206 1 100 SH DEFINED 100 0 0
PARAGON TECHNOLOGIES INC 69912T108 10 1000 SH DEFINED 1000 0 0
PARK PL ENTMT CORP COM 700690100 9 1000 SH DEFINED 1000 0 0
PAYCHEX INC COM 704326107 88 3000 SH DEFINED 3000 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
PAYLESS SHOESOURCE, INC. 704379106 7 600 SH DEFINED 600 0 0
PEABODY ENERGY CORP 704549104 488 14550 SH SOLE 14550 0 0
PEABODY ENERGY CORP 704549104 196 5850 SH DEFINED 5850 0 0
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 6948 217010 SH SOLE 213374 0 3636
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 19552 610643 SH DEFINED 567203 43440 0
PENN VA CORP COM 707882106 20 480 SH SOLE 480 0 0
PENN VA RESOURCE PARTNERS LP 707884102 173 5950 SH DEFINED 5950 0 0
J.C. PENNEY CO., INC. 708160106 87 5200 SH DEFINED 5000 200 0
PEOPLES ENERGY CORPORATION 711030106 51 1200 SH DEFINED 1200 0 0
PEOPLESOFT INC 712713106 1 100 SH SOLE 100 0 0
PEPCO HOLDINGS INC COM 713291102 13 703 SH SOLE 703 0 0
PEPCO HOLDINGS INC COM 713291102 96 5023 SH DEFINED 5023 0 0
PEPSICO INC COM 713448108 353 7945 SH SOLE 7945 0 0
PEPSICO INC COM 713448108 378 8505 SH DEFINED 8505 0 0
PEREGRINE PHARMACEUTICALS INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 63 4628 SH DEFINED 4628 0 0
PFIZER INC COM 717081103 2743 80346 SH SOLE 78946 0 1400
PFIZER INC COM 717081103 3046 89249 SH DEFINED 83976 3823 1450
PHARMACEUTICAL RESOURCES 717125108 9 200 SH DEFINED 200 0 0
THE PHOENIX COMPANIES, INC. 71902E109 39 4395 SH SOLE 966 0 3429
PIMCO MUNICIPAL INCOME FUND II 72200W106 59 4000 SH DEFINED 0 4000 0
PIMCO STRATEGIC GLOBAL GOVERNMENT
FUND COMMON 72200X104 36 3098 SH DEFINED 3098 0 0
PITNEY BOWES INC COM 724479100 194 5075 SH DEFINED 5075 0 0
PLUM CREEK TIMBER CO INC COM 729251108 32 1249 SH DEFINED 1249 0 0
PROCTER & GAMBLE CO COM 742718109 1996 22385 SH SOLE 21885 0 500
PROCTER & GAMBLE CO COM 742718109 2569 28807 SH DEFINED 26692 1115 1000
PROGRESS ENERGY INC COM 743263105 8 200 SH SOLE 200 0 0
PROLOGIS TRUST 743410102 871 31935 SH SOLE 31935 0 0
PROLOGIS TRUST 743410102 450 16525 SH DEFINED 14875 1650 0
PRUDENTIAL FINANCIAL INC 744320102 71 2129 SH SOLE 1391 0 738
PRUDENTIAL FINANCIAL INC 744320102 2 72 SH DEFINED 72 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 706 16714 SH SOLE 16714 0 0
PUBLIC SERVICE ENTERPRISE GROUP, INC. 744573106 1003 23761 SH DEFINED 21060 2501 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
PUGET ENERGY INC NEW 745310102 6 258 SH DEFINED 258 0 0
PULTE HOMES INC 745867101 61 1000 SH DEFINED 1000 0 0
PUTNAM HIGH YIELD MUNICIPAL TRUST 746781103 35 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 9 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 24 500 SH DEFINED 500 0 0
QUALCOMM INC 747525103 32 900 SH SOLE 900 0 0
QUALCOMM INC 747525103 48 1350 SH DEFINED 1350 0 0
QUESTAR CORP 748356102 23 700 SH DEFINED 700 0 0
QUIXOTE CORP 749056107 38 1500 SH DEFINED 1500 0 0
QWEST COMMUNICATIONS INT'L 749121109 2 446 SH SOLE 446 0 0
QWEST COMMUNICATIONS INT'L 749121109 18 3831 SH DEFINED 3017 814 0
RSA SEC INC 749719100 2 187 SH SOLE 187 0 0
RF MICRO-DEVICES 749941100 4 800 SH DEFINED 800 0 0
RAINING DATA CORP 75087R108 3 1000 SH DEFINED 1000 0 0
RAMTRON INTL CORP COM NEW 751907304 0 282 SH DEFINED 282 0 0
RAYONIER INC COM 754907103 33 1000 SH DEFINED 1000 0 0
RAYTHEON CO 755111507 56 1725 SH SOLE 1725 0 0
RAYTHEON CO 755111507 210 6419 SH DEFINED 6419 0 0
READERS DIGEST ASSN. CLASS A NON
VOTING 755267101 13 1000 SH DEFINED 1000 0 0
RED HAT INC COM 756577102 0 30 SH DEFINED 30 0 0
RELIANT RES INC 75952B105 5 867 SH DEFINED 867 0 0
ROGERS COMMUNICATION INC. CL.B NON
VOTING 775109200 134 8400 SH SOLE 8400 0 0
ROHN INDUSTRIES INC 775381106 5 40000 SH DEFINED 40000 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 23 500 SH SOLE 500 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 731 15692 SH DEFINED 15692 0 0
RUBY TUESDAY INC. 781182100 16 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 672 26341 SH SOLE 26341 0 0
SBC COMMUNICATIONS INC 78387G103 1809 70864 SH DEFINED 56865 11999 2000
SLM CORP 78442P106 411 10500 SH SOLE 10500 0 0
SLM CORP 78442P106 117 3000 SH DEFINED 3000 0 0
STANDARD & POORS DEPOSITORY RECEIPTS 78462F103 51 525 SH DEFINED 525 0 0
SAFEGUARD SCIENTIFIC INC. COM 786449108 5 2000 SH DEFINED 2000 0 0
SAFEWAY INC 786514208 6 312 SH DEFINED 200 112 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
THE ST. PAUL COMPANIES, INC COM 792860108 36 1000 SH DEFINED 1000 0 0
THE SALOMON BROTHERS FUND INC 795477108 12 1175 SH DEFINED 1175 0 0
SANMINA-SCI CORP 800907107 3 500 SH DEFINED 500 0 0
SANGSTAT MEDICAL CORP 801003104 33 2550 SH SOLE 2550 0 0
SARA LEE CORP COM 803111103 171 9126 SH SOLE 9126 0 0
SARA LEE CORP COM 803111103 41 2200 SH DEFINED 2200 0 0
SATCON TECHNOLOGY CORP 803893106 0 1500 SH DEFINED 1500 0 0
SCANA CORP NEW 80589M102 123 3600 SH DEFINED 3600 0 0
SCANSOFT INC 80603P107 5 1000 SH DEFINED 1000 0 0
SCHERING PLOUGH CORP COM 806605101 18 970 SH SOLE 970 0 0
SCHERING PLOUGH CORP COM 806605101 133 7200 SH DEFINED 5800 1400 0
SCHLUMBERGER LTD COM 806857108 186 3925 SH SOLE 3425 0 500
SCHLUMBERGER LTD COM 806857108 348 7331 SH DEFINED 7231 100 0
SEA CONTAINERS LTD CLASS A COMMON 811371707 1 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 50 1069 SH DEFINED 1069 0 0
SEALED AIR CORP NEW PFD CONV
SER A $2 81211K209 29 570 SH SOLE 570 0 0
SEALED AIR CORP NEW PFD CONV
SER A $2 81211K209 68 1340 SH DEFINED 1340 0 0
SEARS ROEBUCK & CO COM 812387108 3 100 SH SOLE 100 0 0
SECTOR SPDR TR TECHNOLOGY 81369Y803 23 1400 SH SOLE 1400 0 0
SELECTIVE INS. GROUP INC. 816300107 605 24200 SH SOLE 24200 0 0
SEMPRA ENERGY COM 816851109 4 150 SH SOLE 150 0 0
SEMPRA ENERGY COM 816851109 45 1600 SH DEFINED 1600 0 0
SEPRACOR INC 817315104 11 640 SH SOLE 640 0 0
SHAW GROUP INC 820280105 4 400 SH SOLE 400 0 0
SHAW GROUP INC 820280105 27 2300 SH DEFINED 2300 0 0
SIEBEL SYSTEMS 826170102 0 100 SH SOLE 100 0 0
SIEBEL SYSTEMS 826170102 18 2000 SH DEFINED 2000 0 0
SIEMENS AG SPONSORED ADR 826197501 20 425 SH SOLE 425 0 0
SIGMA-ALDRICH CORP 826552101 5 100 SH SOLE 100 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SILVER STD RES INC 82823L106 4 1000 SH DEFINED 1000 0 0
SIMON PPTY GROUP INC NEW COM 828806109 253 6500 SH SOLE 6500 0 0
SIMON PPTY GROUP INC NEW COM 828806109 309 7930 SH DEFINED 7530 400 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
J. M. SMUCKER CO 832696405 2 64 SH SOLE 64 0 0
J. M. SMUCKER CO 832696405 68 1716 SH DEFINED 1516 0 200
SOLECTRON CORP 834182107 0 250 SH DEFINED 250 0 0
SONIC CORP 835451105 132 5200 SH SOLE 5200 0 0
SONIC CORP 835451105 49 1950 SH DEFINED 1050 900 0
SONOCO PRODUCTS 835495102 18 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH NEW EA REPR 1
JAPANESE 835699307 16 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES, INC 838518108 6 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 120 3878 SH SOLE 3878 0 0
SOUTHERN CO COM 842587107 375 12039 SH DEFINED 11825 214 0
SPRINT CORPORATION 852061100 29 2076 SH DEFINED 2076 0 0
SPRINT CORP PCS SER 1 852061506 3 638 SH DEFINED 638 0 0
STARBUCKS CORPORATION 855244109 1346 54875 SH SOLE 54175 0 700
STARBUCKS CORPORATION 855244109 844 34420 SH DEFINED 29750 3095 1575
STARWOOD HOTELS & RESORTS WORLDWIDE
INC 85590A203 20 704 SH SOLE 704 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE
INC 85590A203 24 857 SH DEFINED 857 0 0
STRATTEC SECURITY CORPORATION 863111100 1 20 SH SOLE 20 0 0
STRYKER CORP 863667101 6 100 SH DEFINED 100 0 0
STURM RUGER & CO. 864159108 20 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 87 3000 SH SOLE 3000 0 0
SUBURBAN PROPANE PARTNERS LP UNIT LTD 864482104 190 6500 SH DEFINED 500 6000 0
SUN MICROSYSTEMS INC COM 866810104 130 28150 SH SOLE 28150 0 0
SUN MICROSYSTEMS INC COM 866810104 183 39436 SH DEFINED 37036 0 2400
SUNOCO INC 86764P109 4 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 113 3009 SH DEFINED 3009 0 0
SUNTRUST BANKS INC 867914103 17 300 SH DEFINED 300 0 0
SUPERGEN INC COM 868059106 213 40000 SH DEFINED 40000 0 0
SYNGENTA AG 87160A100 2 200 SH SOLE 200 0 0
SYSCO CORPORATION 871829107 5 170 SH SOLE 170 0 0
TC PIPELINES LTD 87233Q108 14 500 SH SOLE 500 0 0
TECO ENERGY INC COM 872375100 122 10200 SH SOLE 10200 0 0
TECO ENERGY INC COM 872375100 77 6475 SH DEFINED 6475 0 0
TEPPCO PARTNERS LP 872384102 95 2600 SH DEFINED 2600 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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------ ------ -------
TJX COMPANIES 872540109 37 2000 SH DEFINED 2000 0 0
TXU CORP 873168108 29 1300 SH DEFINED 1300 0 0
TARGET CORPORATION 87612E106 485 12824 SH SOLE 12824 0 0
TARGET CORPORATION 87612E106 800 21150 SH DEFINED 19500 1650 0
TEKTRONIX INC 879131100 107 5000 SH SOLE 5000 0 0
TELECOM CORP OF NEW ZEALAND LT SPON
ADR 879278208 9 400 SH DEFINED 400 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 12 400 SH DEFINED 400 0 0
TEMPLE INLAND INC 879868107 52 1218 SH DEFINED 1218 0 0
TENET HEALTHCARE CORPORATION 88033G100 2 181 SH DEFINED 181 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 256 4500 SH DEFINED 4500 0 0
TEXAS GENCO COM 88244310 1 55 SH DEFINED 55 0 0
TEXAS INSTRUMENTS 882508104 552 31406 SH SOLE 31306 0 100
TEXAS INSTRUMENTS 882508104 885 50330 SH DEFINED 48080 750 1500
THERMO ELECTRON CORP COM 883556102 47 2272 SH DEFINED 2272 0 0
THESTREET COM INC 88368Q103 0 100 SH DEFINED 100 0 0
THOMAS & BETTS CORPORATION 884315102 5 400 SH DEFINED 400 0 0
THORNBURG MORTGAGE INC 885218107 74 3000 SH SOLE 3000 0 0
3COM CORP COM 885535104 4 1000 SH DEFINED 1000 0 0
3M CO COM 88579Y101 550 4265 SH SOLE 3965 0 300
3M CO COM 88579Y101 1085 8416 SH DEFINED 8416 0 0
TIMKEN CO 887389104 87 5000 SH DEFINED 5000 0 0
TORCHMARK CORP. 891027104 72 1950 SH DEFINED 1950 0 0
TOUCH AMERICA HOLDINGS INC. 891539108 0 800 SH DEFINED 800 0 0
TOYS "R" US INC 892335100 3 300 SH SOLE 300 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 4 302 SH SOLE 302 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 25 1595 SH DEFINED 1587 8 0
TRAVELERS PPTY CAS CORP CLASS B NEW 89420G406 51 3286 SH DEFINED 3269 17 0
TREDEGAR INDUSTRIES INC 894650100 3 240 SH SOLE 240 0 0
TRI-CONTINENTAL CORPORATION 895436103 10 739 SH DEFINED 739 0 0
TRIBUNE CO NEW COM 896047107 59 1227 SH DEFINED 1227 0 0
TUPPERWARE CORP COM 899896104 1 100 SH DEFINED 100 0 0
TYCO INTL LTD NEW COM 902124106 64 3400 SH SOLE 3400 0 0
TYCO INTL LTD NEW COM 902124106 68 3619 SH DEFINED 3619 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 285 9000 SH SOLE 9000 0 0
UGI CORPORATION 902681105 260 8225 SH DEFINED 8225 0 0
UST INC COM 902911106 42 1200 SH SOLE 1200 0 0
US BANCORP DEL COM 902973304 5 225 SH SOLE 225 0 0
UNILIVER NV NY SHARE F NEW 904784709 21 400 SH DEFINED 400 0 0
UNION PACIFIC CORP COM 907818108 165 2850 SH SOLE 2850 0 0
UNION PACIFIC CORP COM 907818108 255 4408 SH DEFINED 1950 0 2458
UNITED NATIONAL BANCORP NJ 910909100 192 7000 SH SOLE 7000 0 0
UNITED NATIONAL BANCORP NJ 910909100 242 8780 SH DEFINED 6363 2417 0
UNITED PARCEL SERVICE 911312106 192 3015 SH DEFINED 3015 0 0
UNITED TECHNOLOGIES CORP COM 913017109 358 5057 SH SOLE 5057 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1193 16846 SH DEFINED 16546 300 0
UNITEDHEALTH GROUP INC 91324P102 12 242 SH DEFINED 242 0 0
VALLEY NATIONAL BANCORP. 919794107 3 131 SH SOLE 131 0 0
VALLEY NATIONAL BANCORP. 919794107 101 3841 SH DEFINED 3841 0 0
VAN KAMPEN TRUST MUNICIPALS 920929106 9 600 SH SOLE 600 0 0
VERIZON CORPORATION 92343V104 1157 29348 SH SOLE 29298 0 50
VERIZON CORPORATION 92343V104 3117 79022 SH DEFINED 69012 7024 2986
VERITAS SOFTWARE CORP 923436109 14 500 SH SOLE 500 0 0
VERITAS SOFTWARE CORP 923436109 69 2400 SH DEFINED 2400 0 0
VERMONT TEDDY BEAR INC 92427X109 0 50 SH SOLE 50 0 0
VIACOM INC COM CLASS A 925524100 43 1000 SH DEFINED 1000 0 0
VIACOM INC. CLASS B COMMON 925524308 15 345 SH SOLE 345 0 0
VIACOM INC. CLASS B COMMON 925524308 70 1607 SH DEFINED 1607 0 0
VIASYS HEALTHCARE INC 92553Q209 3 165 SH DEFINED 165 0 0
VODAFONE GROUP PLC 92857W100 179 9115 SH SOLE 9115 0 0
VODAFONE GROUP PLC 92857W100 633 32272 SH DEFINED 28241 2031 2000
VULCAN MATERIALS COMPANY COM 929160109 118 3200 SH DEFINED 3200 0 0
WGL HOLDINGS INC 92924F106 144 5400 SH DEFINED 4400 0 1000
WACHOVIA CORP 2ND NEW COM 929903102 2998 75052 SH SOLE 75052 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1299 32522 SH DEFINED 32198 324 0
WAL-MART STORES INC 931142103 889 16580 SH SOLE 16580 0 0
WAL-MART STORES INC 931142103 779 14525 SH DEFINED 14525 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 12 400 SH SOLE 400 0 0
WALGREEN CO 931422109 3 100 SH DEFINED 100 0 0
WASHINGTON MUTUAL INC 939322103 4 100 SH SOLE 100 0 0
WASHINGTON MUTUAL INC 939322103 53 1300 SH DEFINED 1300 0 0
WASHINGTON TRUST BANCORP INC 940610108 72 3163 SH DEFINED 3163 0 0
WASTE MANAGEMENT INC 94106L109 4 200 SH SOLE 200 0 0
WASTE MANAGEMENT INC 94106L109 3 145 SH DEFINED 145 0 0
WELLS FARGO & CO NEW COM 949746101 1837 36456 SH SOLE 35656 0 800
WELLS FARGO & CO NEW COM 949746101 1384 27475 SH DEFINED 24490 2275 710
WESTAR ENERGY INC 95709T100 3 200 SH DEFINED 0 200 0
WESTERN GAS RESOURCES INC 958259103 39 1000 SH DEFINED 1000 0 0
WEYERHAEUSER CO COM 962166104 19 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 108 2000 SH DEFINED 2000 0 0
WHIRLPOOL CORP COM 963320106 19 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 19 400 SH SOLE 400 0 0
WHOLE FOOD MARKET INC 966837106 14 300 SH DEFINED 300 0 0
WILLIAMS COS INC DEL COM 969457100 2 300 SH SOLE 300 0 0
WILLIAMS COS INC DEL COM 969457100 39 5000 SH DEFINED 5000 0 0
WILLIAMS SONOMA INC COM 969904101 140 4800 SH DEFINED 4800 0 0
WIND RIVER SYSTEMS 973149107 0 100 SH DEFINED 100 0 0
WISCONSIN ENERGY CORP COM 976657106 118 4089 SH DEFINED 4089 0 0
WISER OIL CO 977284108 1 200 SH SOLE 200 0 0
WISER OIL CO 977284108 4 800 SH DEFINED 800 0 0
WRIGLEY WM JR CO 982526105 11 200 SH SOLE 200 0 0
WYETH INC. 983024100 665 14608 SH SOLE 14608 0 0
WYETH INC. 983024100 1931 42424 SH DEFINED 40824 1400 200
XM SATELLITE RADIO HOLDINGS INC 983759101 1 150 SH DEFINED 150 0 0
XTO ENERGY INC 98385X106 40 2000 SH DEFINED 2000 0 0
XCEL ENERGY INC 98389B100 6 441 SH DEFINED 441 0 0
XILINX INC 983919101 80 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 6 600 SH DEFINED 600 0 0
YUM BRANDS INC 988498101 1 50 SH DEFINED 50 0 0
ZIMMER HOLDINGS GROUP 98956P102 2 60 SH SOLE 60 0 0
ZIMMER HOLDINGS GROUP 98956P102 363 8065 SH DEFINED 8015 0 50
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
------------------------------------- -------------- --------- -------- -------- --- ---- -------- -------- ------- ------ -------
ZORAN CORP 98975F101 49 2600 SH SOLE 2600 0 0
ZWEIG TOTAL RETURN FD INC 989837109 6 1139 SH SOLE 1139 0 0
ZWEIG TOTAL RETURN FD INC 989837109 11 1812 SH DEFINED 1812 0 0
GRAND TOTALS 253004 7289439 6923302 223827 142310