UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended 12/31/02
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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 1/16/03
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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: 6,786,090
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Form 13F Information Table Value Total: 213,241
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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
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
DAIMLER-CHRYSLER AG ORD D1668R123 25 848 SH DEFINED 848 0 0
COOPER INDUSTRIES LTD CLASS A G24182100 18 500 SH DEFINED 500 0 0
FOSTER WHEELER LTD G36535105 0 200 SH DEFINED 200 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 80 1875 SH SOLE 1875 0 0
INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 286 6650 SH DEFINED 6650 0 0
KNIGHTSBRIDGE TANKERS G5299G106 22 1500 SH DEFINED 1500 0 0
NABORS INDUSTRIES LTD COM G6359F103 3 100 SH DEFINED 100 0 0
NORDIC AMERN TANKER SHIPPING
LTD G65773106 27 2000 SH DEFINED 2000 0 0
TRANSOCEAN INC G90078109 11 477 SH DEFINED 477 0 0
GILAT SATELLITE NETWORK LTD M51474100 0 2412 SH SOLE 2412 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 34 4200 SH SOLE 4200 0 0
FLEXTRONICS INTERNATIONAL Y2573F102 156 19100 SH DEFINED 18400 0 700
ACM MANAGED INCOME FUND 000919100 1 300 SH DEFINED 300 0 0
AFLAC INCORPORATED 001055102 36 1200 SH DEFINED 1200 0 0
AGCO CORPORATION 001084102 576 26100 SH SOLE 24950 0 1150
AGCO CORPORATION 001084102 247 11200 SH DEFINED 11200 0 0
AES CORPORATION 00130H105 2 933 SH SOLE 933 0 0
AK STEEL HOLDING CORP 001547108 8 1000 SH DEFINED 1000 0 0
AOL TIME WARNER INC 00184A105 222 17000 SH SOLE 15900 0 1100
AOL TIME WARNER INC 00184A105 591 45188 SH DEFINED 41888 0 3300
ATMI , INC. 00207R101 18 1000 SH SOLE 1000 0 0
AT&T WIRELESS SERVICES INC 00209A106 13 2473 SH SOLE 2473 0 0
AT&T WIRELESS SERVICES INC 00209A106 66 11760 SH DEFINED 11246 193 321
AASTROM BIOSCIENCES 00253U107 1 3500 SH DEFINED 3500 0 0
ABBOTT LABS COMMON 002824100 477 11927 SH SOLE 11427 0 500
ABBOTT LABS COMMON 002824100 1182 29560 SH DEFINED 27060 2500 0
ABERCROMBIE & FITCH 002896207 8 400 SH DEFINED 400 0 0
ADAMS EXPRESS COMPANY 006212104 11 1085 SH DEFINED 1085 0 0
ADOBE SYSTEMS INCORPORATED 00724F101 12 500 SH SOLE 500 0 0
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
AEGON N V ORD 007924103 25 2000 SH SOLE 2000 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 16 SH SOLE 16 0 0
AGERE SYSTEMS INC CLASS A 00845V100 0 87 SH DEFINED 55 0 32
AGERE SYSTEMS INC CLASS B 00845V209 0 664 SH SOLE 664 0 0
AGERE SYSTEMS INC CLASS B 00845V209 4 2906 SH DEFINED 2113 0 793
AGILENT TECHNOLOGIES 00846U101 67 3752 SH DEFINED 3143 381 228
AIR PRODUCTS & CHEMICALS INC 009158106 463 10850 SH SOLE 10375 0 475
AIR PRODUCTS & CHEMICALS INC 009158106 283 6625 SH DEFINED 6225 400 0
AIRTRAN HOLDINGS INC COM 00949P108 0 100 SH DEFINED 100 0 0
ALBEMARLE CORP 012653101 22 800 SH SOLE 800 0 0
ALCOA INC COM 013817101 127 5600 SH SOLE 5600 0 0
ALCOA INC COM 013817101 9 400 SH DEFINED 400 0 0
ALLEGHENY ENERGY INC 017361106 24 3200 SH DEFINED 2000 1200 0
ALLERGAN INC COM 018490102 7 125 SH DEFINED 125 0 0
ALLETE INC 018522102 9 400 SH DEFINED 400 0 0
ALLIANCE CAPITAL MANAGEMENT
HOLDING LP 01855A101 22 725 SH DEFINED 725 0 0
ALLIANCE RESOURCE PARTNERS L P 01877R108 24 1000 SH DEFINED 1000 0 0
ALLIANT ENERGY CORP COM 018802108 17 1066 SH DEFINED 1066 0 0
ALLIED CAPITAL CORP NEW 01903Q108 43 2000 SH SOLE 2000 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 3 309 SH SOLE 309 0 0
ALLMERICA FINANCIAL CORPORATION 019754100 1 177 SH DEFINED 177 0 0
ALLSTATE CORP COM 020002101 69 1892 SH SOLE 1892 0 0
ALLSTATE CORP COM 020002101 43 1184 SH DEFINED 1184 0 0
ALLTELL CORPORATION 020039103 744 14600 SH SOLE 14600 0 0
ALLTELL CORPORATION 020039103 156 3071 SH DEFINED 3071 0 0
AMEREN CORP COM 023608102 78 1900 SH SOLE 1900 0 0
AMEREN CORP COM 023608102 112 2700 SH DEFINED 2700 0 0
AMERICA MOVIL ADS 02364W105 5 400 SH DEFINED 400 0 0
AMERICAN ELEC PWR INC COM 025537101 77 2820 SH SOLE 2820 0 0
AMERICAN ELEC PWR INC COM 025537101 291 10654 SH DEFINED 10654 0 0
AMERICAN EXPRESS CO COM 025816109 113 3200 SH SOLE 3200 0 0
AMERICAN EXPRESS CO COM 025816109 572 16200 SH DEFINED 16200 0 0
AMERICAN INTERNATIONAL GROUP 026874107 1218 21070 SH SOLE 20670 0 400
AMERICAN INTERNATIONAL GROUP 026874107 2203 38095 SH DEFINED 34920 2500 675
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
AMERICAN STANDARD COMPANIES INC 029712106 35 500 SH DEFINED 500 0 0
AMERICAN TOWER CORP CLASS A 029912201 0 100 SH DEFINED 100 0 0
AMERICAN WATER WORKS CO 030411102 45 1000 SH SOLE 1000 0 0
AMERICAN WATER WORKS CO 030411102 90 2000 SH DEFINED 2000 0 0
AMETEK INC (NEW) 031100100 123 3200 SH SOLE 3200 0 0
AMETEK INC (NEW) 031100100 10 280 SH DEFINED 280 0 0
AMGEN INC 031162100 511 10588 SH SOLE 10588 0 0
AMGEN INC 031162100 85 1770 SH DEFINED 1770 0 0
AMSOUTH BANCORPORATION 032165102 32 1687 SH DEFINED 1687 0 0
ANADARKO PETE CORP COM 032511107 582 12154 SH SOLE 12154 0 0
ANADARKO PETE CORP COM 032511107 1137 23754 SH DEFINED 22370 0 1384
ANHEUSER BUSCH COS INC COM 035229103 884 18275 SH SOLE 17075 0 1200
ANHEUSER BUSCH COS INC COM 035229103 1059 21890 SH DEFINED 20415 1125 350
ANNALY MTG MANAGEMENT 035710409 104 5550 SH DEFINED 5550 0 0
ATHEM INC 03674B104 31 500 SH SOLE 500 0 0
ANTIGENICS INC DEL 037032109 0 89 SH DEFINED 0 0 89
APACHE CORPORATION 037411105 205 3613 SH SOLE 3613 0 0
APOLLO GROUP INC CL A 037604105 19 450 SH SOLE 450 0 0
APPLERA CORP COM CELERA GENOMICS
GROUP 038020202 0 13 SH DEFINED 13 0 0
APPLIED MICRO CIRCUITS CORP 03822W109 1 300 SH SOLE 300 0 0
APPLIED MATERIALS INC 038222105 39 3000 SH SOLE 3000 0 0
ARCH CHEMICALS INC 03937R102 6 333 SH DEFINED 0 333 0
ARCHER-DANIELS-MIDLAND COMPANY 039483102 1 100 SH SOLE 100 0 0
ARM HOLDINGS PLC ADR 042068106 13 5000 SH SOLE 5000 0 0
ARVINMERITOR INC COM 043353101 1 100 SH DEFINED 100 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 117 3348 SH SOLE 3348 0 0
ATMEL CORPORATION 049513104 1 600 SH DEFINED 600 0 0
AURORA FOODS INC 05164B106 1 1501 SH SOLE 1501 0 0
AUTHENTIDATE HOLDING CORP 052666104 3 1000 SH SOLE 1000 0 0
AUTOMATIC DATA PROCESSING 053015103 777 19810 SH SOLE 19260 0 550
AUTOMATIC DATA PROCESSING 053015103 783 19960 SH DEFINED 18360 1600 0
AVAYA INC COM USD
.01 053499109 0 333 SH SOLE 333 0 0
AVAYA INC COM USD
.01 053499109 6 2517 SH DEFINED 2517 0 0
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
AVISTA CORP COM 05379B107 6 600 SH DEFINED 600 0 0
AVON PRODUCTS 054303102 99 1850 SH DEFINED 800 1050 0
BASF AG ADR 055262505 15 417 SH SOLE 417 0 0
BCE INC COM 05534B109 1 100 SH SOLE 100 0 0
BOC GROUP PLC ADR 055617609 14 500 SH DEFINED 500 0 0
BP PLC 055622104 653 16077 SH SOLE 15977 0 100
BP PLC 055622104 1427 35123 SH DEFINED 34123 1000 0
BAKER HUGHES INCORPORATED COMMON 057224107 4 125 SH SOLE 125 0 0
BALLARD POWER SYSTEMS INC 05858H104 5 500 SH DEFINED 500 0 0
BANK AMERICA CORP COM 060505104 438 6306 SH SOLE 6306 0 0
BANK AMERICA CORP COM 060505104 548 7887 SH DEFINED 6787 1100 0
BANK OF NEW YORK INC 064057102 675 28200 SH SOLE 28200 0 0
BANK OF NEW YORK INC 064057102 260 10868 SH DEFINED 10868 0 0
BK NOVA SCOTIA LA BANQUE DE
NOUVELLE ECOSSE 064149107 3 107 SH SOLE 107 0 0
BANC ONE CORP COM 06423A103 95 2615 SH DEFINED 2615 0 0
BARR LABS INC 068306109 19 300 SH DEFINED 300 0 0
BAUSCH & LOMB INC COM 071707103 36 1000 SH SOLE 1000 0 0
BAXTER INTERNATIONAL 071813109 39 1400 SH SOLE 1400 0 0
BAXTER INTERNATIONAL 071813109 28 1000 SH DEFINED 1000 0 0
BECTON DICKINSON & COMPANY 075887109 39 1300 SH DEFINED 1300 0 0
BED BATH & BEYOND 075896100 77 2250 SH DEFINED 2250 0 0
BELLSOUTH CORP COM 079860102 157 6076 SH SOLE 6076 0 0
BELLSOUTH CORP COM 079860102 1043 40361 SH DEFINED 37861 2100 400
BEST BUY COMPANY INC 086516101 83 3450 SH SOLE 3450 0 0
BEST BUY COMPANY INC 086516101 45 1872 SH DEFINED 1872 0 0
BIOVAIL CORPORATION 09067J109 368 13950 SH SOLE 13950 0 0
BIOVAIL CORPORATION 09067J109 235 8905 SH DEFINED 7755 0 1150
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 5 400 SH DEFINED 400 0 0
BLOCK H & R INC COM 093671105 40 1000 SH SOLE 1000 0 0
BLOCK H & R INC COM 093671105 32 800 SH DEFINED 800 0 0
BOEING CO COM 097023105 134 4065 SH SOLE 4065 0 0
BOEING CO COM 097023105 62 1886 SH DEFINED 1886 0 0
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
BOSTON PROPERTIES INC. 101121101 9 250 SH SOLE 250 0 0
BOSTON SCIENTIFIC CORP. 101137107 17 400 SH DEFINED 400 0 0
BRIGGS & STRATTON CORPORATION 109043109 0 19 SH SOLE 19 0 0
BRISTOL-MYERS SQUIBB 110122108 842 36417 SH SOLE 33767 0 2650
BRISTOL-MYERS SQUIBB 110122108 2451 105961 SH DEFINED 104061 900 1000
BROADCOM CORPORATION COM 111320107 4 300 SH DEFINED 0 0 300
BROWN FORMAN DISTILLERS CORP CLASS 'A'
VOTING 115637100 40 600 SH DEFINED 600 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 171 4475 SH SOLE 4475 0 0
BUCKEYE PIPELINE PARTNERS LP 118230101 261 6800 SH DEFINED 6800 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 9 381 SH SOLE 381 0 0
BURLINGTON NORTHERN SANTA FE CORP 12189T104 102 3949 SH DEFINED 2829 1120 0
BURLINGTON RESOURCES 122014103 42 1000 SH DEFINED 1000 0 0
CRACKER BARREL GROUP INC 12489V106 24 825 SH SOLE 825 0 0
CSX CORP COM 126408103 16 600 SH SOLE 600 0 0
CSX CORP COM 126408103 33 1200 SH DEFINED 1200 0 0
CVS CORP COM 126650100 645 25875 SH SOLE 23725 0 2150
CVS CORP COM 126650100 774 31015 SH DEFINED 26890 2850 1275
CAL DIVE INTL INC 127914109 16 700 SH DEFINED 700 0 0
CALIPER TECHNOLOGIES CORP 130876105 6 2200 SH SOLE 2200 0 0
CALPINE CORP 131347106 0 100 SH SOLE 100 0 0
CALPINE CORP 131347106 0 200 SH DEFINED 200 0 0
CAMPBELL SOUP CO COM 134429109 46 2000 SH DEFINED 2000 0 0
CAPITAL ONE FINANCIAL 14040H105 771 25975 SH SOLE 25325 0 650
CAPITAL ONE FINANCIAL 14040H105 282 9525 SH DEFINED 8175 200 1150
CARDINAL HEALTH 14149Y108 26 450 SH SOLE 450 0 0
CARDINAL HEALTH 14149Y108 2 50 SH DEFINED 50 0 0
CARMAX INC 143130102 35 2000 SH SOLE 2000 0 0
CATERPILLAR INC 149123101 4 100 SH SOLE 100 0 0
CATERPILLAR INC 149123101 77 1700 SH DEFINED 1700 0 0
CELGENE CORPORATION 151020104 10 500 SH DEFINED 500 0 0
CELL PATHWAYS INC 15114R101 2 5900 SH DEFINED 5900 0 0
CENDANT CORPORATION 151313103 6 600 SH DEFINED 600 0 0
CENTER BANCORP INC COM 151408101 104 4432 SH DEFINED 4432 0 0
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
CENTEX CORPORATION 152312104 25 500 SH DEFINED 500 0 0
CEPHALON INC. 156708109 2 47 SH DEFINED 47 0 0
CERTEGY INC 156880106 7 325 SH DEFINED 325 0 0
CHARTER MUNICIPAL MORTGAGE
ACCEPTANCE CORP 160908109 17 1000 SH DEFINED 1000 0 0
CHEVRONTEXACO CORP 166764100 694 10447 SH SOLE 9047 0 1400
CHEVRONTEXACO CORP 166764100 981 14769 SH DEFINED 14669 100 0
CHICO'S FAS INC 168615102 7 400 SH DEFINED 400 0 0
CHINA MOBILE HONG KONG LTD ADR 16941M109 55 4600 SH DEFINED 1800 0 2800
CHORDIANT SOFTWARE INC. 170404107 0 240 SH DEFINED 240 0 0
THE CHUBB CORPORATION 171232101 802 15380 SH SOLE 14130 0 1250
THE CHUBB CORPORATION 171232101 729 13975 SH DEFINED 13975 0 0
CHURCH & DWIGHT INC COM 171340102 60 2000 SH DEFINED 2000 0 0
CIENA CORPORATION 171779101 1 300 SH DEFINED 300 0 0
CIGNA INVESTMENT SECURITIES,INC. 17179X106 36 2191 SH DEFINED 2191 0 0
CINERGY CORP 172474108 18 550 SH DEFINED 550 0 0
CISCO SYS INC 17275R102 1303 99527 SH SOLE 99527 0 0
CISCO SYS INC 17275R102 876 66899 SH DEFINED 66099 0 800
CITIGROUP INC 172967101 1844 52435 SH SOLE 49985 0 2450
CITIGROUP INC 172967101 3893 110683 SH DEFINED 104439 3312 2932
CITRIX SYSTEMS INC 177376100 1 100 SH DEFINED 100 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 948 25425 SH SOLE 25425 0 0
CLEAR CHANNEL COMMUNICATIONS 184502102 542 14550 SH DEFINED 13950 600 0
CLOROX CO DEL COM 189054109 4 100 SH DEFINED 100 0 0
COCA COLA CO COM 191216100 149 3417 SH SOLE 3417 0 0
COCA COLA CO COM 191216100 758 17304 SH DEFINED 16804 500 0
COLGATE PALMOLIVE CO COM 194162103 1577 30091 SH SOLE 29991 0 100
COLGATE PALMOLIVE CO COM 194162103 2186 41709 SH DEFINED 41609 100 0
COMERICA INC. CO 200340107 32 750 SH DEFINED 750 0 0
CONAGRA FOODS INC COM 205887102 20 800 SH SOLE 800 0 0
CONAGRA FOODS INC COM 205887102 52 2100 SH DEFINED 1600 500 0
COMSHARE INC 205912108 1 500 SH DEFINED 500 0 0
CONEXANT SYS INC COM 207142100 3 1966 SH DEFINED 1966 0 0
CONOCOPHILLIPS CORP 20825C104 181 3744 SH SOLE 3744 0 0
CONOCOPHILLIPS CORP 20825C104 712 14723 SH DEFINED 13723 0 1000
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
CONSOLIDATED EDISON COM 209115104 17 400 SH SOLE 400 0 0
CONSOLIDATED EDISON COM 209115104 61 1448 SH DEFINED 648 800 0
CONSTELLATION BRANDS INC CL A 21036P108 726 30670 SH SOLE 30470 0 200
CONSTELLATION BRANDS INC CL A 21036P108 952 40175 SH DEFINED 38525 200 1450
CONSTELLATION ENERGY GROUP INC COM 210371100 66 2400 SH DEFINED 2400 0 0
CONTINENTAL AIRLINES INC CL B 210795308 2 300 SH DEFINED 300 0 0
CORN PRODS INTL INC COM 219023108 18 600 SH DEFINED 600 0 0
CORNING INC 219350105 19 5800 SH SOLE 5800 0 0
CORNING INC 219350105 92 28036 SH DEFINED 27136 0 900
CORPORATE HIGH YIELD FUND III INC 219925104 13 2000 SH DEFINED 2000 0 0
COX COMMUNICATIONS INC NEW CL A 224044107 17 604 SH DEFINED 604 0 0
CROWN CASTLE INTERNATIONAL CORP 228227104 22 6000 SH DEFINED 6000 0 0
CROWN CORK & SEAL CO INC 228255105 401 50525 SH SOLE 50525 0 0
CROWN CORK & SEAL CO INC 228255105 91 11500 SH DEFINED 8500 3000 0
CUBIST PHARMACEUTICAL INC 229678107 2 300 SH DEFINED 300 0 0
CUMMINS ENGINE INC 231021106 56 2000 SH DEFINED 2000 0 0
CYTEC INDUSTRIES INC 232820100 0 10 SH SOLE 10 0 0
DNP SELECT INCOME FUND INC COM 23325P104 21 2160 SH DEFINED 2160 0 0
D R HORTON INC 23331A109 3 200 SH DEFINED 200 0 0
DTE ENERGY CO COM 233331107 82 1775 SH SOLE 1775 0 0
DTE ENERGY CO COM 233331107 21 454 SH DEFINED 454 0 0
DARDEN RESTAURANTS 237194105 158 7750 SH SOLE 7750 0 0
DARDEN RESTAURANTS 237194105 204 10000 SH DEFINED 10000 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 169 3700 SH DEFINED 3200 0 500
DEL MONTE FOODS CO 24522P103 0 66 SH SOLE 66 0 0
DEL MONTE FOODS CO 24522P103 3 454 SH DEFINED 454 0 0
DELL COMPUTER CORP 247025109 807 30200 SH SOLE 29350 0 850
DELL COMPUTER CORP 247025109 500 18730 SH DEFINED 17730 1000 0
DELPHI CORPORATION CORP 247126105 0 116 SH SOLE 116 0 0
DELPHI CORPORATION CORP 247126105 4 523 SH DEFINED 523 0 0
DELTIC TIMBER CORP 247850100 133 5000 SH DEFINED 5000 0 0
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
DELUXE CORP COM 248019101 4 100 SH DEFINED 100 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 0 20 SH SOLE 20 0 0
DEVON ENERGY CORPORATION NEW COM 25179M103 13 300 SH DEFINED 300 0 0
DIAGEO PLC SPONSERED ADR 25243Q205 4 100 SH DEFINED 100 0 0
DIEBOLD INC 253651103 41 1000 SH SOLE 1000 0 0
DISNEY WALT CO COM
DISNEY 254687106 101 6200 SH SOLE 6200 0 0
DISNEY WALT CO COM
DISNEY 254687106 174 10691 SH DEFINED 8668 2023 0
DOMINION RES INC 25746U109 29 533 SH SOLE 533 0 0
DOMINION RES INC 25746U109 407 7417 SH DEFINED 6521 896 0
DONALDSON INC 257651109 82 2300 SH SOLE 2300 0 0
DONALDSON INC 257651109 25 700 SH DEFINED 700 0 0
DOVER CORPORATION 260003108 91 3150 SH SOLE 3150 0 0
DOW CHEM CO COM 260543103 273 9193 SH SOLE 9193 0 0
DOW CHEM CO COM 260543103 303 10222 SH DEFINED 7822 600 1800
DU PONT E I DE NEMOURS & CO COM 263534109 919 21677 SH SOLE 20477 0 1200
DU PONT E I DE NEMOURS & CO COM 263534109 995 23490 SH DEFINED 22290 0 1200
DUKE ENERGY CORP COM 264399106 205 10506 SH SOLE 10506 0 0
DUKE ENERGY CORP COM 264399106 288 14777 SH DEFINED 14233 544 0
DYAX CORPORATION 26746E103 2 1500 SH SOLE 1500 0 0
E M C CORPORATION 268648102 47 7750 SH SOLE 7750 0 0
E M C CORPORATION 268648102 43 7060 SH DEFINED 7060 0 0
EMS TECHNOLOGIES INC 26873N108 4 300 SH DEFINED 300 0 0
EOG RES INC 26875P101 99 2500 SH DEFINED 2500 0 0
E*TRADE GROUP 269246104 3 800 SH DEFINED 800 0 0
EASTMAN CHEMICAL COMPANY 277432100 3 100 SH DEFINED 100 0 0
EASTMAN KODAK CO COM 277461109 12 351 SH SOLE 351 0 0
EASTMAN KODAK CO COM 277461109 22 650 SH DEFINED 150 0 500
EATON VANCE CORP 278265103 14 500 SH SOLE 500 0 0
EATON VANCE INSD MUNICIPAL
BOND FUND 27827X101 4 350 DEFINED 350 0 0
EBAY INC 278642103 67 1000 SH DEFINED 0 0 1000
EDISON SCHOOLS INC 281033100 2 1800 SH DEFINED 1800 0 0
EL PASO CORPORATION 28336L109 0 75 SH SOLE 75 0 0
EL PASO CORPORATION 28336L109 4 666 SH DEFINED 666 0 0
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
EL PASO ENERGY PARTNERS L P COM 28368B102 4 150 SH DEFINED 150 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 3 200 SH SOLE 200 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 10 550 SH DEFINED 450 100 0
EMERSON ELEC CO COM 291011104 190 3750 SH SOLE 3750 0 0
EMERSON ELEC CO COM 291011104 503 9908 SH DEFINED 9908 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 63 1500 SH SOLE 1500 0 0
ENBRIDGE ENERGY PARTNERS L P 29250R106 190 4525 SH DEFINED 4125 400 0
ENERGEN CORP COM 29265N108 34 1200 SH DEFINED 1200 0 0
ENERGY EAST CORP COM 29266M109 143 6478 SH DEFINED 6478 0 0
ENGELHARD CORP COM 292845104 62 2802 SH DEFINED 2802 0 0
ENTERGY CORP NEW COM 29364G103 113 2500 SH DEFINED 2500 0 0
ENTREMED INC COM 29382F103 1 1200 SH DEFINED 900 0 300
EQUIFAX, INC. 294429105 15 650 SH DEFINED 650 0 0
EQUITABLE RESOURCES 294549100 35 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 88 3562 SH DEFINED 3562 0 0
EQUITY RESIDENTIAL SBI 29476L107 30 1250 SH SOLE 1250 0 0
EQUITY RESIDENTIAL SBI 29476L107 4 200 SH DEFINED 200 0 0
ETHYL CORP 297659609 2 320 SH SOLE 320 0 0
EXELON CORP COM 30161N101 24 462 SH DEFINED 462 0 0
EXXON MOBIL CORP COM 30231G102 3878 111044 SH SOLE 108044 0 3000
EXXON MOBIL CORP COM 30231G102 10090 288878 SH DEFINED 260182 17112 11584
FPL GROUP INC COM 302571104 255 4250 SH SOLE 4250 0 0
FPL GROUP INC COM 302571104 529 8800 SH DEFINED 8800 0 0
FEDERAL AGRICULTURE MORTGAGE CORP 313148306 9 325 SH SOLE 325 0 0
FEDERAL HOME LOAN MORTGAGE
CORPORATION COMMON 313400301 92 1575 SH SOLE 1575 0 0
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 715 11125 SH SOLE 11125 0 0
FEDERAL NATL MTG ASSN
(D/B/A FANNIE MAE) COM 313586109 324 5040 SH DEFINED 3090 1950 0
FEDERAL REALTY INVESTMENT TRUST 313747206 11 423 SH DEFINED 423 0 0
FEDERAL SIGNAL CORPORATION 313855108 25 1300 SH DEFINED 1300 0 0
FEDEX CORPORATION 31428X106 27 500 SH DEFINED 500 0 0
FIFTH THIRD BANCORP COM 316773100 8 150 SH DEFINED 150 0 0
FIRST DATA CORPORATION 319963104 673 19028 SH SOLE 19028 0 0
FIRST DATA CORPORATION 319963104 56 1600 SH DEFINED 1100 500 0
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
FIRST SENTINEL BANCORP INC. 33640T103 10 752 SH DEFINED 0 0 752
FIRST VIRGINIA BANK INC 337477103 25 675 SH SOLE 675 0 0
FIRSTENERGY CORP COM 337932107 23 700 SH DEFINED 700 0 0
FLEETBOSTON FINANCIAL CORP COM 339030108 1194 49166 SH DEFINED 49066 100 0
FLOWER FOODS INC 343498101 14 750 SH DEFINED 750 0 0
FORD MOTOR CO DEL 345370860 14 1598 SH SOLE 1598 0 0
FORD MOTOR CO DEL 345370860 73 7940 SH DEFINED 6892 1048 0
FORTUNE BRANDS INC COM 349631101 24 528 SH SOLE 528 0 0
FORTUNE BRANDS INC COM 349631101 83 1800 SH DEFINED 900 900 0
FRANKLIN RESOURCES INC 354613101 51 1500 SH SOLE 1500 0 0
GABLES RESIDENTIAL TRUST 362418105 24 1000 SH DEFINED 1000 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 95 2437 SH DEFINED 2437 0 0
GAP INC 364760108 2 150 SH SOLE 150 0 0
GATEWAY INC COM 367626108 1 600 SH DEFINED 0 0 600
GENENTECH INC 368710406 111 3350 SH SOLE 3350 0 0
GENENTECH INC 368710406 290 8775 SH DEFINED 8475 0 300
GENERAL ELEC CO COM 369604103 3544 145618 SH SOLE 142668 0 2950
GENERAL ELEC CO COM 369604103 7517 308864 SH DEFINED 279230 26934 2700
GENERAL MAGIC INC. 370253403 0 71 SH DEFINED 71 0 0
GENERAL MTRS CORP COM 370442105 306 8304 SH SOLE 6554 0 1750
GENERAL MTRS CORP COM 370442105 481 13061 SH DEFINED 11811 1250 0
GENERAL MOTORS CLASS H NEW 370442832 15 1410 SH SOLE 1410 0 0
GENERAL MOTORS CLASS H NEW 370442832 154 14445 SH DEFINED 14445 0 0
GENZYME CORP BIOSURGERY DIVISION 372917708 1 670 SH DEFINED 670 0 0
GEORGIA PAC CORP COM GA
PAC GRP 373298108 171 10593 SH DEFINED 10593 0 0
GILLETTE COMPANY 375766102 152 5033 SH SOLE 5033 0 0
GILLETTE COMPANY 375766102 72 2400 SH DEFINED 2400 0 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 227 6062 SH SOLE 6062 0 0
GLAXO SMITHKLINE PLC SPONSORED ADR 37733W105 195 5212 SH DEFINED 5212 0 0
GOLDMAN SACHS GROUP 38141G104 229 3375 SH SOLE 3375 0 0
GOLDMAN SACHS GROUP 38141G104 445 6535 SH DEFINED 6535 0 0
GUIDANT CORP COM 401698105 40 1300 SH DEFINED 1300 0 0
GUILFORD PHARMACEUTICALS INC 401829106 1 300 SH DEFINED 300 0 0
FORM 13F INFORMATION TABLE
TITLE SHARES/ VOTING AUTHORITY
OF VALUE PRN SH/ PUT/ INVSTMT OTHER ----------------------
NAME OF ISSUER CLASS CUSIP (X$1000) AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
-------------- ----- ----- -------- --- --- ---- ------- -------- ---- ------ ----
HRPT PPTYS TR COMM SH BEN INT 40426W101 8 1000 SH DEFINED 1000 0 0
HAIN CELESTIAL GROUP INC 405217100 9 650 SH DEFINED 650 0 0
HALLIBURTON CO COM 406216101 15 816 SH SOLE 816 0 0
HALLIBURTON CO COM 406216101 181 9682 SH DEFINED 9682 0 0
JOHN HANCOCK INCOME
SECURITIES TRUST 410123103 3 267 SH DEFINED 267 0 0
JOHN HANCOCK PATRIOT PREMIUM
DIV FD I COM 41013Q101 15 1834 SH DEFINED 1834 0 0
HANCOCK JOHN PATRIOT PREMIUM
DIVIDEND FUND II 41013T105 10 1100 SH DEFINED 1100 0 0
JOHN HANCOCK FINANCIAL
SERVICES,INC. 41014S106 28 1014 SH DEFINED 1014 0 0
HANDSPRING INC 410293104 0 200 SH SOLE 200 0 0
HARBOR FLA BANCSHARES 411901101 11 502 SH DEFINED 502 0 0
HARLEY DAVIDSON 412822108 13 300 SH SOLE 300 0 0
HARLEY DAVIDSON 412822108 203 4400 SH DEFINED 4400 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 49 1100 SH SOLE 1100 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 50 1112 SH DEFINED 1112 0 0
HEALTH CARE PPTY INVS INC COM 421915109 45 1200 SH DEFINED 1200 0 0
H.J. HEINZ COMPANY 423074103 4 150 SH SOLE 150 0 0
H.J. HEINZ COMPANY 423074103 33 1025 SH DEFINED 1025 0 0
HERSHEY FOODS CORP COM 427866108 202 3000 SH DEFINED 2400 0 600
HEWLETT PACKARD CO COM 428236103 52 3052 SH SOLE 3052 0 0
HEWLETT PACKARD CO COM 428236103 453 26146 SH DEFINED 22946 2000 1200
HIBERNIA CORP 428656102 5 300 SH SOLE 300 0 0
HOME DEPOT, INC 437076102 897 37375 SH SOLE 34675 0 2700
HOME DEPOT, INC 437076102 1685 70188 SH DEFINED 68188 850 1150
HOME PROPERTIES OF NEW YORK INC 437306103 6 200 SH DEFINED 200 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 63 2654 SH SOLE 2654 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 130 5458 SH DEFINED 5458 0 0
HOST MARRIOTT CORPORATION 44107P104 27 3074 SH DEFINED 3074 0 0
HOUSEHOLD INTL INC COM 441815107 10 386 SH SOLE 386 0 0
HOUSEHOLD INTL INC COM 441815107 41 1500 SH DEFINED 1500 0 0
HUDSON CITY BANCORP 443683107 40 2200 SH DEFINED 2200 0 0
HUDSON UNITED BANCORP 444165104 15 500 SH SOLE 500 0 0
HUNTINGTON BANCSHARES INC 446150104 50 2722 SH DEFINED 2722 0 0
IMS HEALTH INCORPORATED 449934108 46 2928 SH DEFINED 2928 0 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ITT INDUSTRIES INC COM 450911102 41 682 SH SOLE 682 0 0
ITT INDUSTRIES INC COM 450911102 33 556 SH DEFINED 556 0 0
ICON PUB LTD CO 45103T107 26 1000 SH DEFINED 1000 0 0
IDACORP INC COM 451107106 7 300 SH SOLE 300 0 0
IDACORP INC COM 451107106 99 4000 SH DEFINED 4000 0 0
ILLINOIS TOOL WORKS INC COM 452308109 30 463 SH DEFINED 361 102 0
IMAGISTICS INTERNATIONAL INC 45247T104 11 588 SH DEFINED 588 0 0
INDYMAC BANCORP INC 456607100 18 1000 SH DEFINED 1000 0 0
INKTOMI CORP COM 457277101 1 800 SH DEFINED 0 0 800
INNKEEPERS USA TRUST 4576J0104 15 2000 SH DEFINED 2000 0 0
INTEL CORP COM 458140100 634 40775 SH SOLE 39375 0 1400
INTEL CORP COM 458140100 931 59799 SH DEFINED 57699 2100 0
INTERMEDIATE MUNICIPAL
FUND INC 45880P104 19 2000 DEFINED 2000 0 0
INTL BUSINESS MACHINE CORP COMMON 459200101 1698 21910 SH SOLE 20710 0 1200
INTL BUSINESS MACHINE CORP COMMON 459200101 4697 60619 SH DEFINED 58319 900 1400
INTL PAPER CO COM 460146103 143 4097 SH DEFINED 4097 0 0
INTERNET HOLDERS TRUST 46059W102 2 100 SH SOLE 100 0 0
INTEVAC INC 461148108 13 3300 SH DEFINED 0 3300 0
INTUIT 461202103 4 100 SH DEFINED 100 0 0
INVITROGEN CORP 46185R100 21 683 SH DEFINED 683 0 0
IVAX CORP 465823102 2 187 SH DEFINED 187 0 0
JDN REALTY CORP 465917102 0 56 SH DEFINED 56 0 0
JDS UNIPHASE CORPORATION 46612J101 0 200 SH SOLE 200 0 0
JDS UNIPHASE CORPORATION 46612J101 0 400 SH DEFINED 400 0 0
J P MORGAN CHASE & CO 46625H100 109 4550 SH SOLE 4550 0 0
J P MORGAN CHASE & CO 46625H100 1206 50287 SH DEFINED 45397 1480 3410
JABIL CIRCUIT INC 466313103 2 150 SH SOLE 150 0 0
JABIL CIRCUIT INC 466313103 4 250 SH DEFINED 250 0 0
JEFFERSON PILOT CORPORATION 475070108 26 683 SH SOLE 683 0 0
JEFFERSON PILOT CORPORATION 475070108 39 1035 SH DEFINED 1035 0 0
JOHNSON & JOHNSON COM 478160104 2979 55479 SH SOLE 53879 0 1600
JOHNSON & JOHNSON COM 478160104 7194 133972 SH DEFINED 126322 5100 2550
JUNIPER NETWORKS 48203R104 0 100 SH SOLE 100 0 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
KADANT INC 48282T104 8 558 SH DEFINED 558 0 0
KANEB PIPE LINE PARTNERS LP 484169107 139 4000 SH DEFINED 4000 0 0
KELLOGG COMPANY 487836108 53 1575 SH SOLE 1575 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 27 1600 SH DEFINED 1600 0 0
KIMBERLY-CLARK CORPORATION 494368103 625 13174 SH SOLE 12174 0 1000
KIMBERLY-CLARK CORPORATION 494368103 616 12985 SH DEFINED 12285 500 200
KIMCO REALITY CORPORATION 49446R109 41 1350 SH DEFINED 0 1350 0
KINDER MORGAN ENERGY
PARTNERS L P 494550106 346 9900 SH DEFINED 9700 0 200
KING PHARMACEUTICALS INC 495582108 3 200 SH DEFINED 200 0 0
KNIGHT-RIDDER INC 499040103 939 14850 SH SOLE 13400 0 1450
KNIGHT-RIDDER INC 499040103 828 13100 SH DEFINED 11475 1050 575
KONINKLIJKE PHILIPS
ELECTRS N V SP ADR 500472303 5 291 SH DEFINED 291 0 0
KRAFT FOODS INC 50075N104 78 2005 SH SOLE 2005 0 0
KRAMONT REALTY TRUST COM 50075Q107 11 800 SH DEFINED 800 0 0
KRISPY KREME DOUGHNUTS 501014104 6 200 SH DEFINED 200 0 0
KROGER COMPANY COM 501044101 300 19455 SH SOLE 19455 0 0
KROGER COMPANY COM 501044101 309 20000 SH DEFINED 20000 0 0
L-3 COMMUNICATIONS HLDGS INC 502424104 755 16825 SH SOLE 16725 0 100
L-3 COMMUNICATIONS HLDGS INC 502424104 634 14125 SH DEFINED 12350 1050 725
LA-Z-BOY INC 505336107 50 2100 SH SOLE 2100 0 0
LA-Z-BOY INC 505336107 67 2800 SH DEFINED 2800 0 0
LEHMAN BROTHERS HOLDINGS INC 524908100 5 100 SH SOLE 100 0 0
LENDING TREE INC 52602Q105 3 250 SH SOLE 250 0 0
LENNAR CORP 526057104 51 1000 SH DEFINED 1000 0 0
LIBERTY MEDIA CORP NEW COM
SERIAL A 530718105 3 416 SH DEFINED 416 0 0
LILLY ELI & CO COM 532457108 51 812 SH SOLE 812 0 0
LILLY ELI & CO COM 532457108 799 12596 SH DEFINED 12196 0 400
LOCKHEED MARTIN CORP 539830109 523 9068 SH SOLE 9068 0 0
LOCKHEED MARTIN CORP 539830109 101 1750 SH DEFINED 1750 0 0
LOWES COMPANIES INC 548661107 303 8100 SH SOLE 8100 0 0
LOWES COMPANIES INC 548661107 147 3925 SH DEFINED 3925 0 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
LUBRIZOL CORP COM 549271104 61 2000 SH DEFINED 2000 0 0
LUCENT TECHNOLOGY INC 549463107 14 11341 SH SOLE 11341 0 0
LUCENT TECHNOLOGY INC 549463107 61 48959 SH DEFINED 44843 1116 3000
MBIA, INC 55262C100 586 13375 SH SOLE 12975 0 400
MBIA, INC 55262C100 184 4200 SH DEFINED 3400 0 800
MBNA CORPORATION 55262L100 47 2491 SH DEFINED 2491 0 0
MFS CHARTER INCOME TRUST 552727109 12 1500 SH DEFINED 1500 0 0
MFS MULTIMARKET INCOME TRUST 552737108 8 1500 SH SOLE 1500 0 0
MGI PHARMACEUTICALS 552880106 15 2200 SH DEFINED 2200 0 0
SMITH BARNEY MANAGED
MUNICIPALS PORTFOLIO,INC. 561662107 21 2000 DEFINED 2000 0 0
MANUGISTICS GROUP 565011103 0 200 SH DEFINED 200 0 0
MARATHON OIL CORP 565849106 25 1200 SH DEFINED 1200 0 0
MARSHALL & ILSLEY CORP 571834100 504 18450 SH SOLE 17750 0 700
MARSHALL & ILSLEY CORP 571834100 330 12075 SH DEFINED 12075 0 0
MCCLATCHY COMPANY 579489105 323 5700 SH SOLE 5700 0 0
MCCLATCHY COMPANY 579489105 170 3000 SH DEFINED 3000 0 0
MCCORMICK & CO INC COMMON
NON-VOTING 579780206 519 22380 SH SOLE 22280 0 100
MCCORMICK & CO INC COMMON
NON-VOTING 579780206 446 19250 SH DEFINED 19250 0 0
MCDONALDS CORP COM 580135101 144 9000 SH SOLE 9000 0 0
MCDONALDS CORP COM 580135101 48 3000 SH DEFINED 3000 0 0
MCGRAW HILL COMPANIES INC 580645109 374 6200 SH SOLE 6200 0 0
MCGRAW HILL COMPANIES INC 580645109 113 1880 SH DEFINED 1880 0 0
MCKESSON CORPORATION 58155Q103 3 148 SH DEFINED 148 0 0
MEADWESTVACO CORP 583334107 106 4300 SH DEFINED 4300 0 0
MEDAREX INC 583916101 1 400 SH DEFINED 400 0 0
MEDTRONIC INC 585055106 18 400 SH SOLE 0 0 400
MEDTRONIC INC 585055106 216 4740 SH DEFINED 4740 0 0
MELLON FINANCIAL CORP COM 58551A108 26 1000 SH DEFINED 1000 0 0
MERCANTILE BANKSHARES CORP COM 587405101 15 400 SH DEFINED 400 0 0
MERCK & CO INC COM 589331107 1669 29494 SH SOLE 28494 0 1000
MERCK & CO INC COM 589331107 4821 85163 SH DEFINED 81963 2500 700
MERCURY INTERACTIVE CORP 589405109 8 300 SH DEFINED 300 0 0
MERRILL LYNCH & CO INC 590188108 24 650 SH SOLE 650 0 0
MERRILL LYNCH & CO INC 590188108 98 2600 SH DEFINED 2600 0 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
METLIFE INC 59156R108 81 3000 SH DEFINED 3000 0 0
MICROSOFT CORP 594918104 1570 30375 SH SOLE 28675 0 1700
MICROSOFT CORP 594918104 1817 35164 SH DEFINED 32939 1250 975
MIDDLESEX WATER CO COM 596680108 62 3000 SH DEFINED 3000 0 0
MILLENNIUM PHARMACEUTICALS 599902103 2 296 SH DEFINED 296 0 0
MIPS TECHNOLOGIES INC 604567206 0 27 SH DEFINED 27 0 0
MIRANT CORP 604675108 0 318 SH SOLE 318 0 0
MIRANT CORP 604675108 8 4523 SH DEFINED 4523 0 0
ROBERT MONDAVI 609200100 3 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 1 100 SH SOLE 100 0 0
MONSANTO CO NEW 61166W101 20 1075 SH DEFINED 956 0 119
MORGAN STANLEY DEAN
WITTER & CO 617446448 63 1600 SH SOLE 1600 0 0
MORGAN STANLEY DEAN
WITTER & CO 617446448 182 4566 SH DEFINED 4484 82 0
MOTOROLA,INC 620076109 2 300 SH SOLE 300 0 0
MOTOROLA,INC 620076109 125 14556 SH DEFINED 11856 300 2400
MUNIHOLDING NY INSD FUND INC 625931100 17 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 13 950 DEFINED 950 0 0
NCE PETRO FUND I TR UNIT 62885E406 6 1000 SH SOLE 1000 0 0
NCR CORP NEW 62886E108 7 297 SH DEFINED 297 0 0
NUI HOLDING CORP 629431107 8 500 SH DEFINED 500 0 0
N V R INC 62944T105 6 20 SH DEFINED 20 0 0
NASDAQ 100 TRUST UNIT SER 1 631100104 2 100 SH DEFINED 100 0 0
NATIONAL CITY CORP 635405103 32 1200 SH DEFINED 0 1200 0
NATIONAL FUEL GAS CO N J COM 636180101 70 3392 SH DEFINED 3392 0 0
NATIONWIDE FINANCIAL SERVICES CLASS A 638612101 3 112 SH DEFINED 112 0 0
NAUTILUS GROUP INC 63910B102 13 1000 SH DEFINED 1000 0 0
NEORX CORPORATION 640520300 0 50 SH DEFINED 50 0 0
NET.BANK INC 640933107 4 500 SH DEFINED 500 0 0
NEUROGEN CORP 64124E106 3 1000 SH DEFINED 1000 0 0
NEW JERSEY RESOURCES
CORPORATION 646025106 37 1200 SH SOLE 1200 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 28 1500 SH DEFINED 400 1100 0
NEWMONT MINING CORP 651639106 2 79 SH SOLE 79 0 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
NISOURCE INC COM 65473P105 80 4000 SH DEFINED 4000 0 0
NOKIA CORPORATION ADR 654902204 155 10030 SH SOLE 10030 0 0
NOKIA CORPORATION ADR 654902204 67 4350 SH DEFINED 3750 0 600
NORAM ENERGY CORP SUB DEB CONV 6% 3/15/12 655419AC3 17 25000 PRN DEFINED 25000 0 0
NORFOLK SOUTHERN CORP COM 655844108 123 6159 SH SOLE 6159 0 0
NORFOLK SOUTHERN CORP COM 655844108 101 5060 SH DEFINED 4700 360 0
NORSK HYDRO ADR 656531605 98 2222 SH DEFINED 2222 0 0
NORTEL NETWORKS CORP NEW 656568102 0 100 SH SOLE 100 0 0
NORTEL NETWORKS CORP NEW 656568102 1 1100 SH DEFINED 100 0 1000
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 48 1275 SH SOLE 1275 0 0
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 276 7300 SH DEFINED 7300 0 0
NORTHERN TRUST CORP 665859104 175 5000 SH SOLE 5000 0 0
NORTHERN TRUST CORP 665859104 14 400 SH DEFINED 400 0 0
NORTHROP GRUMMAN CORP 666807102 19 200 SH SOLE 200 0 0
NORTHROP GRUMMAN CORP 666807102 137 1414 SH DEFINED 1414 0 0
NOVARTIS AG ADRS 66987V109 18 500 SH DEFINED 500 0 0
NOVELL INC 670006105 33 10000 SH DEFINED 10000 0 0
NSTAR COM 67019E107 37 840 SH DEFINED 840 0 0
OGE ENERGY CO. 670837103 7 400 SH DEFINED 400 0 0
NUVEEN NJ INVT QUALITY
MUN FUND COM 670971100 95 6358 SOLE 6358 0 0
NUVEEN NJ INVT QUALITY
MUN FUND COM 670971100 104 6974 DEFINED 6974 0 0
NUVEEN INSD MUNICIPAL
OPPORTUNITY FUND INC 670984103 50 3200 DEFINED 3200 0 0
NUVEEN PREMIER INSURED
MUNICIPAL INCOME FUND 670987106 26 1650 DEFINED 1650 0 0
ONEOK INC NEW COM 682680103 76 4000 SH DEFINED 4000 0 0
OPENWAVE SYS INC COM 683718100 0 300 SH DEFINED 300 0 0
ORACLE CORPORATION 68389X105 79 7400 SH SOLE 7400 0 0
ORACLE CORPORATION 68389X105 234 21720 SH DEFINED 18120 0 3600
PG&E CORP COM 69331C108 5 400 SH DEFINED 400 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 205 4915 SH SOLE 4915 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 42 1025 SH DEFINED 1025 0 0
PPG INDS INC COM 693506107 10 200 SH SOLE 200 0 0
PPL CORP 69351T106 6 200 SH SOLE 200 0 0
PPL CORP 69351T106 41 1200 SH DEFINED 1000 200 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PACCAR INC COM 693718108 38 825 SH DEFINED 825 0 0
PACIFIC ENERGY PARTNERS LP 69422R105 103 5250 SH DEFINED 5250 0 0
PACTIV CORP COM 695257105 2 100 SH SOLE 100 0 0
PARAGON TECHNOLOGIES INC 69912T108 21 2500 SH DEFINED 2500 0 0
PARK PL ENTMT CORP COM 700690100 8 1000 SH DEFINED 1000 0 0
PAYCHEX INC COM 704326107 83 3000 SH DEFINED 3000 0 0
PAYLESS SHOESOURCE,INC. 704379106 10 200 SH DEFINED 200 0 0
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 6969 203484 SH SOLE 199848 0 3636
PEAPACK-GLADSTONE FINANCIAL
CORPORATION 704699107 19546 570706 SH DEFINED 570456 0 250
PENN VA RESOURCE PARTNERS LP 707884102 82 4000 SH DEFINED 4000 0 0
J.C.PENNEY CO.,INC. 708160106 119 5200 SH DEFINED 5000 200 0
PEOPLES ENERGY CORPORATION 711030106 96 2500 SH DEFINED 2500 0 0
PEPCO HOLDINGS INC COM 713291102 13 703 SH SOLE 703 0 0
PEPCO HOLDINGS INC COM 713291102 97 5023 SH DEFINED 5023 0 0
PEPSI BOTTLING GROUP 713409100 10 400 SH DEFINED 400 0 0
PEPSICO INC COM 713448108 400 9475 SH SOLE 8875 0 600
PEPSICO INC COM 713448108 304 7221 SH DEFINED 7221 0 0
PEREGRINE PHARMACEUTICALS INC 713661106 0 100 SH DEFINED 100 0 0
PERKINELMER INC COM 714046109 38 4628 SH DEFINED 4628 0 0
PFIZER INC COM 717081103 1744 57075 SH SOLE 55675 0 1400
PFIZER INC COM 717081103 2544 83272 SH DEFINED 78849 3373 1050
PHARMACIA CORP 71713U102 179 4292 SH SOLE 4292 0 0
PHARMACIA CORP 71713U102 287 6881 SH DEFINED 6181 0 700
PHILIP MORRIS COMPANIES 718154107 109 2700 SH SOLE 2100 0 600
PHILIP MORRIS COMPANIES 718154107 431 10650 SH DEFINED 10150 0 500
THE PHOENIX COMPANIES,INC. 71902E109 33 4395 SH SOLE 966 0 3429
PIMCO STRATEGIC GLOBAL
GOVERNMENT FUND COMMON 72200X104 36 3098 SH DEFINED 3098 0 0
PITNEY BOWES INC COM 724479100 207 6350 SH DEFINED 6350 0 0
PLUM CREEK TIMBER CO INC COM 729251108 38 1649 SH DEFINED 1649 0 0
POLYONE CORP 73179P106 29 7526 SH DEFINED 7526 0 0
POTLATCH CORP COM 737628107 71 3000 SH DEFINED 3000 0 0
PROCTER & GAMBLE CO COM 742718109 1281 14910 SH SOLE 14610 0 300
PROCTER & GAMBLE CO COM 742718109 2038 23717 SH DEFINED 22267 450 1000
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PROGRESS ENERGY INC COM 743263105 8 200 SH SOLE 200 0 0
PROLOGIS TRUST 743410102 50 2000 SH DEFINED 2000 0 0
PRUDENTIAL FINANCIAL INC 744320102 47 1488 SH SOLE 750 0 738
PRUDENTIAL FINANCIAL INC 744320102 1 52 SH DEFINED 52 0 0
PUBLIC SERVICE ENTERPRISE
GROUP, INC. 744573106 336 10472 SH SOLE 10472 0 0
PUBLIC SERVICE ENTERPRISE
GROUP, INC. 744573106 524 16355 SH DEFINED 14855 1500 0
PUTNAM HIGH YIELD MUNICIPAL
TRUST 746781103 36 5000 SH DEFINED 5000 0 0
QLOGIC CORP 747277101 6 200 SH SOLE 200 0 0
QLOGIC CORP 747277101 34 1000 SH DEFINED 1000 0 0
QUALCOMM INC 747525103 25 700 SH SOLE 700 0 0
QUALCOMM INC 747525103 49 1350 SH DEFINED 1350 0 0
QUESTAR CORP 748356102 19 700 SH DEFINED 700 0 0
QUINTILES TRANSNATIONAL CORP COM 748767100 2 179 SH DEFINED 179 0 0
QUIXOTE CORP 749056107 27 1500 SH DEFINED 1500 0 0
QWEST COMMUNICATIONS INT'L 749121109 2 546 SH SOLE 546 0 0
QWEST COMMUNICATIONS INT'L 749121109 24 4876 SH DEFINED 4271 605 0
RPM INTERNATIONAL INC 749685103 6 400 SH SOLE 400 0 0
RF MICRO-DEVICES 749941100 5 800 SH DEFINED 800 0 0
RAMTRON INTL CORP COM NEW 751907304 0 282 SH DEFINED 282 0 0
RAYTHEON CO 755111507 30 1000 SH SOLE 1000 0 0
RAYTHEON CO 755111507 197 6419 SH DEFINED 6419 0 0
READERS DIGEST ASSN.CLASS A NON VOTING 755267101 15 1000 SH DEFINED 1000 0 0
REALTY INCOME CORP COM 756109104 7 200 SH DEFINED 200 0 0
RED HAT INC COM 756577102 0 30 SH DEFINED 30 0 0
RELIANT RES INC 75952B105 2 867 SH DEFINED 867 0 0
ROCKWELL AUTOMATION INC 773903109 49 2380 SH DEFINED 2380 0 0
ROCKWELL COLLINS INC 774341101 55 2380 SH DEFINED 2380 0 0
ROGERS COMMUNICATION INC. CL.B NON VOTING 775109200 78 8400 SH SOLE 8400 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 22 500 SH SOLE 500 0 0
ROYAL DUTCH PETE CO SH PAR N GLDR 780257804 729 16572 SH DEFINED 16572 0 0
RUBY TUESDAY INC. 781182100 11 656 SH DEFINED 656 0 0
SBC COMMUNICATIONS INC 78387G103 576 21254 SH SOLE 21254 0 0
SBC COMMUNICATIONS INC 78387G103 1988 73345 SH DEFINED 65869 5476 2000
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SLM CORP 78442P106 363 3500 SH SOLE 3500 0 0
SLM CORP 78442P106 103 1000 SH DEFINED 1000 0 0
STANDARD & POORS DEPOSITORY
RECEIPTS 78462F103 22 260 SH DEFINED 260 0 0
SAFEWAY INC 786514208 4 200 SH DEFINED 200 0 0
THE ST. PAUL COMPANIES, INC COM 792860108 3 100 SH DEFINED 100 0 0
THE SALOMON BROTHERS FUND INC 795477108 10 1175 SH DEFINED 1175 0 0
SANCHEZ COMPUTER ASSOCIATES 799702105 0 200 SH DEFINED 200 0 0
SANMINA-SCI CORP 800907107 2 500 SH DEFINED 500 0 0
SANGSTAT MEDICAL CORP 801003104 28 2550 SH SOLE 2550 0 0
SARA LEE CORP COM 803111103 279 12400 SH SOLE 12400 0 0
SARA LEE CORP COM 803111103 13 600 SH DEFINED 600 0 0
SCANA CORP NEW 80589M102 111 3600 SH DEFINED 3600 0 0
SCANSOFT INC 80603P107 5 1000 SH DEFINED 1000 0 0
SCHERING PLOUGH CORP COM 806605101 21 970 SH SOLE 970 0 0
SCHERING PLOUGH CORP COM 806605101 263 11850 SH DEFINED 7300 4550 0
SCHLUMBERGER LTD COM 806857108 573 13625 SH SOLE 13125 0 500
SCHLUMBERGER LTD COM 806857108 321 7631 SH DEFINED 7531 100 0
SCHOLASTIC CORPORATION 807066105 154 4300 SH SOLE 3950 0 350
SCHOLASTIC CORPORATION 807066105 14 400 SH DEFINED 400 0 0
SCIENTIFIC-ATLANTA INC 808655104 17 1500 SH DEFINED 0 0 1500
SEA CONTAINERS LTD CLASS A COMMON 811371707 0 100 SH DEFINED 100 0 0
SEALED AIR CORP NEW COM 81211K100 43 1169 SH DEFINED 1169 0 0
SEALED AIR CORP NEW PFD CONV SER A $2 81211K209 24 570 SH SOLE 570 0 0
SEALED AIR CORP NEW PFD CONV SER A $2 81211K209 57 1340 SH DEFINED 1340 0 0
SEARS ROEBUCK & CO COM 812387108 2 100 SH SOLE 100 0 0
SECTOR SPDR TR TECHNOLOGY 81369Y803 20 1400 SH SOLE 1400 0 0
SEMPRA ENERGY COM 816851109 37 1600 SH DEFINED 1600 0 0
SEPRACOR INC 817315104 6 640 SH SOLE 640 0 0
SHAW GROUP INC 820280105 32 2000 SH SOLE 2000 0 0
SHAW GROUP INC 820280105 122 7450 SH DEFINED 7450 0 0
SICOR INC COM 825846108 15 1000 SH DEFINED 1000 0 0
SIEBEL SYSTEMS 826170102 0 100 SH SOLE 100 0 0
SIEBEL SYSTEMS 826170102 0 100 SH DEFINED 100 0 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SIEMENS AG SPONSORED ADR 826197501 17 425 SH SOLE 425 0 0
SIGMA-ALDRICH CORP 826552101 4 100 SH SOLE 100 0 0
SILICON GRAPHICS INC 827056102 0 200 SH DEFINED 200 0 0
SIMON PPTY GROUP INC NEW COM 828806109 20 600 SH SOLE 600 0 0
SKYWORKS SOLUTIONS 83088M102 5 689 SH DEFINED 689 0 0
J. M. SMUCKER CO 832696405 2 60 SH SOLE 60 0 0
J. M. SMUCKER CO 832696405 61 1544 SH DEFINED 1524 0 20
SOLECTRON CORP 834182107 0 250 SH DEFINED 250 0 0
SOLUTIA INC COM 834376105 26 7300 SH SOLE 7300 0 0
SOMERA COMMUNICATIONS 834458101 2 1000 SH DEFINED 1000 0 0
SONIC CORP 835451105 20 1000 SH SOLE 1000 0 0
SONIC CORP 835451105 18 900 SH DEFINED 0 900 0
SONOCO PRODUCTS 835495102 17 750 SH DEFINED 750 0 0
SONY CORP ADR AMERN SH NEW EA REPR 1
JAPANESE 835699307 24 600 SH DEFINED 600 0 0
SOUTH JERSEY INDUSTRIES,INC 838518108 5 171 SH DEFINED 171 0 0
SOUTHERN CO COM 842587107 58 2078 SH SOLE 2078 0 0
SOUTHERN CO COM 842587107 342 12075 SH DEFINED 12075 0 0
SPRINT CORPORATION 852061100 43 3000 SH DEFINED 3000 0 0
SPRINT CORP PCS SER 1 852061506 4 930 SH SOLE 930 0 0
SPRINT CORP PCS SER 1 852061506 4 1100 SH DEFINED 1100 0 0
STARBUCKS CORPORATION 855244109 465 22875 SH SOLE 22175 0 700
STARBUCKS CORPORATION 855244109 405 19920 SH DEFINED 15550 2795 1575
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 16 704 SH SOLE 704 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 20 857 SH DEFINED 857 0 0
STATE STREET CORP COM 857477103 93 2400 SH DEFINED 2400 0 0
STRATTEC SECURITY CORPORATION 863111100 0 20 SH SOLE 20 0 0
STRYKER CORP 863667101 6 100 SH DEFINED 100 0 0
STURM RUGER & CO. 864159108 19 2000 SH SOLE 2000 0 0
SUBURBAN PROPANE PARTNERS LP
UNIT LTD 864482104 184 6500 SH DEFINED 500 6000 0
SUN MICROSYSTEMS INC COM 866810104 120 38875 SH SOLE 33625 0 5250
SUN MICROSYSTEMS INC COM 866810104 185 59936 SH DEFINED 58336 0 1600
SUNOCO INC 86764P109 3 119 SH SOLE 119 0 0
SUNOCO INC 86764P109 99 3009 SH DEFINED 3009 0 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SUNTRUST BANKS INC 867914103 17 300 SH DEFINED 300 0 0
SUPERGEN INC COM 868059106 172 47500 SH DEFINED 47500 0 0
SYNAPTIC PHARMACEUTICAL CORP 87156R109 58 9160 SH SOLE 9160 0 0
TECO ENERGY INC COM 872375100 131 8500 SH SOLE 8500 0 0
TECO ENERGY INC COM 872375100 54 3500 SH DEFINED 3500 0 0
TEPPCO PARTNERS LP 872384102 72 2600 SH DEFINED 2600 0 0
TJX COMPANIES 872540109 39 2000 SH DEFINED 2000 0 0
TXU CORP 873168108 27 1450 SH DEFINED 1300 150 0
TARGET CORPORATION 87612E106 351 11725 SH SOLE 11725 0 0
TARGET CORPORATION 87612E106 717 23923 SH DEFINED 22273 1650 0
TEKTRONIX INC 879131100 90 5000 SH SOLE 5000 0 0
TELECOM CORP OF NEW ZEALAND LT SPON ADR 879278208 7 400 SH DEFINED 400 0 0
TELEFONOS DE MEXICO SA DE CV ADR 879403780 12 400 SH DEFINED 400 0 0
TEMPLE INLAND INC 879868107 54 1218 SH DEFINED 1218 0 0
TENET HEALTHCARE CORPORATION 88033G100 2 181 SH DEFINED 181 0 0
TERAYON COMMUNICATION 880775101 0 200 SH DEFINED 200 0 0
TEVA PHARMACEUTICAL INDS ADR 881624209 735 19050 SH SOLE 18450 0 600
TEVA PHARMACEUTICAL INDS ADR 881624209 743 19250 SH DEFINED 18650 0 600
TEXAS INSTRUMENTS 882508104 400 26682 SH SOLE 26282 0 400
TEXAS INSTRUMENTS 882508104 694 46280 SH DEFINED 44530 750 1000
THERMO ELECTRON CORP COM 883556102 45 2272 SH DEFINED 2272 0 0
THESTREET COM INC 88368Q103 0 100 SH DEFINED 100 0 0
THOMAS & BETTS CORPORATION 884315102 6 400 SH DEFINED 400 0 0
THORNBURG MORTGAGE INC 885218107 60 3000 SH SOLE 3000 0 0
3M CO COM 88579Y101 781 6341 SH DEFINED 6341 0 0
TIMKEN CO 887389104 76 4000 SH DEFINED 4000 0 0
TORCHMARK CORP. 891027104 87 2400 SH DEFINED 2400 0 0
TOYS "R" US INC 892335100 3 300 SH SOLE 300 0 0
TRANSCANADA PIPELINES LTD 893526103 2 152 SH SOLE 152 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 2 193 SH SOLE 193 0 0
TRAVELERS PPTY CAS CORP NEW CLASS A 89420G109 29 2009 SH DEFINED 1886 8 115
TRAVELERS PPTY CAS CORP CLASS B NEW 89420G406 6 416 SH SOLE 416 0 0
TRAVELERS PPTY CAS CORP CLASS B NEW 89420G406 62 4236 SH DEFINED 3983 17 236
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TREDEGAR INDUSTRIES INC 894650100 3 240 SH SOLE 240 0 0
TRI-CONTINENTAL CORPORATION 895436103 9 739 SH DEFINED 739 0 0
TRIBUNE CO NEW COM 896047107 39 875 SH SOLE 875 0 0
TRIBUNE CO NEW COM 896047107 55 1227 SH DEFINED 1227 0 0
TUPPERWARE CORP COM 899896104 1 100 SH DEFINED 100 0 0
TYCO INTL LTD NEW COM 902124106 103 6050 SH SOLE 6050 0 0
TYCO INTL LTD NEW COM 902124106 69 4069 SH DEFINED 4069 0 0
UGI CORPORATION 902681105 237 6350 SH SOLE 6350 0 0
UGI CORPORATION 902681105 285 7650 SH DEFINED 7650 0 0
UST INC COM 902911106 40 1200 SH SOLE 1200 0 0
US BANCORP DEL COM 902973304 57 2725 SH SOLE 2725 0 0
UNION PACIFIC CORP COM 907818108 164 2750 SH SOLE 2750 0 0
UNION PACIFIC CORP COM 907818108 263 4408 SH DEFINED 1950 0 2458
UNITED NATIONAL BANCORP NJ 910909100 229 9950 SH SOLE 9950 0 0
UNITED NATIONAL BANCORP NJ 910909100 198 8620 SH DEFINED 6203 2417 0
UNITED PARCEL SERVICE 911312106 190 3015 SH DEFINED 3015 0 0
UNITED TECHNOLOGIES CORP COM 913017109 345 5585 SH SOLE 5585 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1049 16946 SH DEFINED 16646 300 0
UNITEDHEALTH GROUP INC 91324P102 10 121 SH DEFINED 121 0 0
VALLEY NATIONAL BANCORP. 919794107 3 125 SH SOLE 125 0 0
VALLEY NATIONAL BANCORP. 919794107 96 3659 SH DEFINED 3659 0 0
VAN KAMPEN TRUST MUNICIPALS 920929106 9 600 SH SOLE 600 0 0
VERITAS DGC INC 92343P107 3 500 SH SOLE 500 0 0
VERIZON CORPORATION 92343V104 964 24885 SH SOLE 24835 0 50
VERIZON CORPORATION 92343V104 3470 89571 SH DEFINED 81627 4958 2986
VERITAS SOFTWARE CORP 923436109 12 800 SH SOLE 800 0 0
VERITAS SOFTWARE CORP 923436109 48 3136 SH DEFINED 3136 0 0
VERMONT TEDDY BEAR INC 92427X109 0 50 SH SOLE 50 0 0
VIACOM INC COM CLASS A 925524100 40 1000 SH DEFINED 1000 0 0
VIACOM INC. CLASS B COMMON 925524308 65 1607 SH DEFINED 1607 0 0
VIASYS HEALTHCARE INC 92553Q209 2 165 SH DEFINED 165 0 0
VISTEON CORP 92839U107 2 330 SH DEFINED 330 0 0
VODAFONE GROUP PLC 92857W100 113 6240 SH SOLE 6240 0 0
VODAFONE GROUP PLC 92857W100 575 31787 SH DEFINED 28771 1016 2000
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
VULCAN MATERIALS COMPANY COM 929160109 45 1200 SH DEFINED 1200 0 0
WGL HOLDINGS INC 92924F106 129 5400 SH DEFINED 4400 0 1000
WACHOVIA CORP 2ND NEW COM 929903102 2747 75410 SH SOLE 75410 0 0
WACHOVIA CORP 2ND NEW COM 929903102 1396 38347 SH DEFINED 38023 324 0
WAL-MART STORES INC 931142103 469 9300 SH SOLE 9300 0 0
WAL-MART STORES INC 931142103 710 14075 SH DEFINED 14075 0 0
WALGREEN CO 931422109 11 400 SH SOLE 400 0 0
WALGREEN CO 931422109 2 100 SH DEFINED 100 0 0
WASHINGTON MUTUAL INC 939322103 44 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 302 6450 SH SOLE 6450 0 0
WELLS FARGO & CO NEW COM 949746101 421 8985 SH DEFINED 8275 0 710
WESTERN GAS RESOURCES INC 958259103 36 1000 SH DEFINED 1000 0 0
WEYERHAEUSER CO COM 962166104 18 366 SH SOLE 366 0 0
WEYERHAEUSER CO COM 962166104 49 1000 SH DEFINED 1000 0 0
WHIRLPOOL CORP COM 963320106 15 300 SH DEFINED 0 0 300
WHOLE FOOD MARKET INC 966837106 21 400 SH SOLE 400 0 0
WHOLE FOOD MARKET INC 966837106 15 300 SH DEFINED 300 0 0
WILLIAMS COS INC DEL COM 969457100 13 5000 SH DEFINED 5000 0 0
WILLIAMS SONOMA INC COM 969904101 130 4800 SH DEFINED 4800 0 0
WIND RIVER SYSTEMS 973149107 6 1500 SH SOLE 1500 0 0
WIND RIVER SYSTEMS 973149107 0 100 SH DEFINED 100 0 0
WISCONSIN ENERGY CORP COM 976657106 103 4089 SH DEFINED 4089 0 0
WORLDCOM INC GA NEW MCI GROUP COM 98157D304 0 16 SH DEFINED 16 0 0
WRIGLEY WM JR CO 982526105 10 200 SH SOLE 200 0 0
WYETH INC. 983024100 757 20255 SH SOLE 20255 0 0
WYETH INC. 983024100 1589 42504 SH DEFINED 40904 1400 200
XM SATELLITE RADIO
HOLDINGS INC 983759101 0 150 SH DEFINED 150 0 0
XCEL ENERGY INC 98389B100 0 10 SH DEFINED 10 0 0
XILINX INC 983919101 65 3200 SH DEFINED 3200 0 0
XEROX CORP COM 984121103 17 2200 SH DEFINED 2200 0 0
YUM BRANDS INC 988498101 25 1050 SH DEFINED 1050 0 0
FORM 13F INFORMATION TABLE
TITLE OF VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ZIMMER HOLDINGS GROUP 98956P102 15 370 SH SOLE 20 0 350
ZIMMER HOLDINGS GROUP 98956P102 459 11071 SH DEFINED 10831 90 150
ZORAN CORP 98975F101 36 2600 SH SOLE 2600 0 0
ZWEIG TOTAL RETURN FD INC 989837109 9 1812 SH DEFINED 1812 0 0
GRAND TOTALS 213241 6786090 6482803 151940 151347