UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: June 30, 2003
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ]is a restatement
[ ]adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: Regions Financial Corporation
Address: 417 North 20th Street
Birmingham, AL 35202
Form 13F File Number: 28-01129
The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Ronald C. Jackson
Title: Senior Vice President and Comptroller
Phone: 205/326-7090
Signature, Place, and Date of Signing:
/s/Ronald C. Jackson Birmingham, Alabama August 13, 2003
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X]13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[ ]13F NOTICE. (Check here if no holdings reported are in this
report, and all holdings are reported by other reporting
manager(s).)
[ ]13F COMBINATION REPORT. (Check here if a portion of the
holdings for this reporting manager are reported in this
report and a portion are reported by other reporting
manager(s).)
List of Other Managers Reporting for this Manager: None
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 710
Form 13F Information Table Value Total: $1,367,670(thousands)
List of Other Included Managers: None
Provide a numbered list of the name(s) and Form 13F file
number(s) of all institutional investment managers with respect
to which this report is filed, other than the manager filing this
report.
Form 13F INFORMATION TABLE
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
NAME OF ISSUER TITLE OF CLASS CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY
(THOUSANDS) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE
XCELERA INC COM ADR COM G31611109 29 18,036 SH DEFINED 18,036
GLOBALSANTAFE CORPORATION ADR SHS G3930E101 1,529 65,517 SH DEFINED 62,997 2,520
GLOBALSANTAFE CORPORATION ADR SHS G3930E101 228 9,790 SH OTHER 4,100 5,690
INGERSOLL-RAND COMPANY LTD CL A G4776G101 2,843 60,089 SH DEFINED 59,349 740
INGERSOLL-RAND COMPANY LTD CL A G4776G101 366 7,744 SH OTHER 6,605 190 949
NABORS INDUSTRIES LTD SHS G6359F103 434 10,987 SH DEFINED 9,462 1,525
NABORS INDUSTRIES LTD SHS G6359F103 15 390 SH OTHER 240 150
TRANSOCEAN INC ADR ORD G90078109 115 5,252 SH DEFINED 5,252
TRANSOCEAN INC ADR ORD G90078109 131 5,941 SH OTHER 483 58 5,400
FLEXTRONICS INTL ADR ORD Y2573F102 1,685 161,558 SH DEFINED 161,558
FLEXTRONICS INTL ADR ORD Y2573F102 115 11,000 SH OTHER 11,000
AFLAC INC COM 001055102 3,913 127,258 SH DEFINED 125,212 200 1,846
AFLAC INC COM 001055102 1,335 43,420 SH OTHER 36,295 3,090 4,035
AGL RES INC COM 001204106 9 360 SH DEFINED 360
AGL RES INC COM 001204106 373 14,672 SH OTHER 11,700 2,972
AOL TIME WARNER INC COM 00184A105 499 31,031 SH DEFINED 16,284 14,747
AOL TIME WARNER INC COM 00184A105 100 6,231 SH OTHER 5,706 525
AT & T WIRELESS SERVICES INC COM 00209A106 211 25,683 SH DEFINED 20,135 5,548
AT & T WIRELESS SERVICES INC COM 00209A106 25 2,990 SH OTHER 1,879 721 390
ABBOTT LABORATORIES COM 002824100 7,018 160,365 SH DEFINED 157,180 1,430 1,755
ABBOTT LABORATORIES COM 002824100 1,086 24,815 SH OTHER 10,395 10,980 3,440
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 2,070 72,873 SH DEFINED 72,740 133
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 213 7,500 SH OTHER 5,400 2,000 100
ABERDEEN ASIA PAC PRIME INC COM 003009107 61 11,000 SH DEFINED 11,000
ABERDEEN ASIA PAC PRIME INC COM 003009107 140 25,000 SH OTHER 25,000
AEGON N V ADR ORD AMER REG 007924103 259 25,797 SH DEFINED 25,662 135
AEGON N V ADR ORD AMER REG 007924103 235 23,432 SH OTHER 14,809 8,311 312
AFFILIATED COMPUTER SVCS INC CL A 008190100 294 6,431 SH DEFINED 4,776 1,655
AFFILIATED COMPUTER SVCS INC CL A 008190100 10 210 SH OTHER 210
AIR PRODUCTS & CHEMICALS INC COM 009158106 122 2,927 SH DEFINED 2,927
AIR PRODUCTS & CHEMICALS INC COM 009158106 209 5,032 SH OTHER 4,032 1,000
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 219 8,236 SH DEFINED 8,236
ALABAMA NATL BANCORPORATION DEL COM 010317105 192 4,000 SH DEFINED 4,000
ALABAMA NATL BANCORPORATION DEL COM 010317105 24 500 SH OTHER 500
ALBERTSONS INC COM 013104104 350 18,255 SH DEFINED 9,265 8,600 390
ALBERTSONS INC COM 013104104 19 970 SH OTHER 170 800
ALCOA INC COM 013817101 912 35,767 SH DEFINED 34,437 1,330
ALCOA INC COM 013817101 210 8,235 SH OTHER 7,640 425 170
ALCATEL ADR SPONSORED ADR 013904305 103 11,500 SH DEFINED 10,700 800
ALFA CORP COM 015385107 520 41,608 SH DEFINED 41,608
ALFA CORP COM 015385107 17 1,396 SH OTHER 1,396
ALLSTATE CORP COM 020002101 2,439 68,414 SH DEFINED 59,916 2,748 5,750
ALLSTATE CORP COM 020002101 396 11,097 SH OTHER 8,503 2,374 220
ALLTEL CORP COM 020039103 1,064 22,054 SH DEFINED 21,849 205
ALLTEL CORP COM 020039103 315 6,535 SH OTHER 6,035 500
ALTRIA GROUP INC COM 02209S103 5,638 124,086 SH DEFINED 119,346 1,300 3,440
ALTRIA GROUP INC COM 02209S103 1,983 43,634 SH OTHER 28,872 13,310 1,452
AMAZON COM INC COM 023135106 286 7,880 SH DEFINED 5,776 2,104
AMERICAN ELECTRIC POWER INC COM 025537101 359 12,049 SH DEFINED 12,049
AMERICAN ELECTRIC POWER INC COM 025537101 11 377 SH OTHER 120 257
AMERICAN EXPRESS CO COM 025816109 4,984 119,216 SH DEFINED 109,382 9,834
AMERICAN EXPRESS CO COM 025816109 2,030 48,559 SH OTHER 42,642 3,985 1,932
AMERICAN INTL GROUP INC COM 026874107 9,465 171,533 SH DEFINED 159,688 830 11,015
AMERICAN INTL GROUP INC COM 026874107 2,412 43,705 SH OTHER 16,210 6,022 21,473
AMGEN INC COM 031162100 6,199 94,005 SH DEFINED 89,948 1,690 2,367
AMGEN INC COM 031162100 1,160 17,593 SH OTHER 8,593 1,673 7,327
AMSOUTH BANCORPORATION COM 032165102 9,409 430,831 SH DEFINED 410,970 19,861
AMSOUTH BANCORPORATION COM 032165102 7,232 331,130 SH OTHER 228,905 13,164 89,061
ANADARKO PETE CORP COM 032511107 1,259 28,303 SH DEFINED 27,663 640
ANADARKO PETE CORP COM 032511107 79 1,777 SH OTHER 1,647 130
ANHEUSER BUSCH COS INC COM 035229103 9,106 178,376 SH DEFINED 177,945 431
ANHEUSER BUSCH COS INC COM 035229103 630 12,344 SH OTHER 8,978 2,870 496
AON CORP COM 037389103 1,145 47,550 SH DEFINED 550 47,000
APACHE CORP COM 037411105 2,554 39,251 SH DEFINED 38,172 665 414
APACHE CORP COM 037411105 295 4,538 SH OTHER 3,526 930 82
APPLERA CORP APPLID BIOSYS COM AP BIO GRP 038020103 182 9,555 SH DEFINED 8,855 700
APPLERA CORP APPLID BIOSYS COM AP BIO GRP 038020103 27 1,400 SH OTHER 1,400
APPLIED MATLS INC COM 038222105 4,360 275,222 SH DEFINED 239,878 35,344
APPLIED MATLS INC COM 038222105 511 32,240 SH OTHER 28,840 3,000 400
ARCHER DANIELS MIDLAND CO COM 039483102 711 55,259 SH DEFINED 54,259 1,000
ARCHER DANIELS MIDLAND CO COM 039483102 41 3,203 SH OTHER 1,453 700 1,050
ASTRAZENECA PLC SPONSORED ADR 046353108 258 6,320 SH DEFINED 6,230 90
AUBURN NATIONAL BANCORPORATION COM 050473107 138 9,000 SH DEFINED 9,000
AUBURN NATIONAL BANCORPORATION COM 050473107 356 23,150 SH OTHER 23,150
AUTOMATIC DATA PROCESSING INC COM 053015103 1,026 30,316 SH DEFINED 24,911 5,405
AUTOMATIC DATA PROCESSING INC COM 053015103 272 8,030 SH OTHER 3,830 2,200 2,000
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 33 11,542 SH OTHER 11,542
AVERY DENNISON CORP COM 053611109 203 4,034 SH DEFINED 3,734 300
AVERY DENNISON CORP COM 053611109 50 1,000 SH OTHER 1,000
AVOCENT CORP COM 053893103 4,782 160,000 SH DEFINED 160,000
AVON PRODS INC COM 054303102 552 8,881 SH DEFINED 8,781 100
BP PLC ADR SPONSORED ADR 055622104 9,321 221,828 SH DEFINED 216,281 984 4,563
BP PLC ADR SPONSORED ADR 055622104 2,977 70,848 SH OTHER 59,067 9,293 2,488
BMC SOFTWARE INC COM 055921100 246 15,047 SH DEFINED 15,047
BMC SOFTWARE INC COM 055921100 7 400 SH OTHER 400
BANCO BILBAO VIZCAYA S.A. ADR SPONSORED ADR 05946K101 121 11,492 SH DEFINED 10,612 880
BANCO BILBAO VIZCAYA S.A. ADR SPONSORED ADR 05946K101 5 434 SH OTHER 434
BANCORPSOUTH INC COM 059692103 64 3,064 SH DEFINED 3,064
BANCORPSOUTH INC COM 059692103 209 10,036 SH OTHER 10,000 36
BANCTRUST FINANCIAL GP COM 05978R107 331 20,555 SH DEFINED 20,555
BANK AMER CORP COM 060505104 10,504 132,912 SH DEFINED 131,622 1,290
BANK AMER CORP COM 060505104 23,809 301,267 SH OTHER 294,432 6,590 245
BANK NEW YORK INC COM 064057102 1,172 40,752 SH DEFINED 38,352 2,400
BANK NEW YORK INC COM 064057102 109 3,780 SH OTHER 1,200 2,580
BANK ONE CORP COM 06423A103 310 8,347 SH DEFINED 8,047 300
BANK ONE CORP COM 06423A103 297 8,000 SH OTHER 6,000 2,000
BARRICK GOLD CORP ADR COM 067901108 816 45,579 SH DEFINED 44,069 710 800
BARRICK GOLD CORP ADR COM 067901108 65 3,630 SH OTHER 490 3,140
BARR LABS INC COM 068306109 219 3,335 SH DEFINED 1,879 1,456
BARR LABS INC COM 068306109 9 137 SH OTHER 137
BAXTER INTERNATIONAL INC COM 071813109 494 19,018 SH DEFINED 19,018
BAXTER INTERNATIONAL INC COM 071813109 396 15,240 SH OTHER 13,160 2,080
BECTON DICKINSON & CO COM 075887109 408 10,500 SH DEFINED 10,500
BECTON DICKINSON & CO COM 075887109 39 1,008 SH OTHER 1,008
BED BATH & BEYOND INC COM 075896100 1,574 40,555 SH DEFINED 39,120 1,435
BED BATH & BEYOND INC COM 075896100 73 1,868 SH OTHER 1,450 418
BELLSOUTH CORP COM 079860102 6,466 242,797 SH DEFINED 234,237 450 8,110
BELLSOUTH CORP COM 079860102 3,127 117,432 SH OTHER 73,443 25,198 18,791
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,523 21 SH DEFINED 14 7
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,595 22 SH OTHER 2 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 3,912 1,610 SH DEFINED 1,552 5 53
BERKSHIRE HATHAWAY INC DEL CL B 084670207 882 363 SH OTHER 349 10 4
BEST BUY INC COM 086516101 2,725 62,035 SH DEFINED 62,035
BEST BUY INC COM 086516101 416 9,480 SH OTHER 9,300 180
BIOCRYST PHARMACEUTICALS INC COM 09058V103 5 1,500 SH DEFINED 1,500
BIOCRYST PHARMACEUTICALS INC COM 09058V103 397 109,054 SH OTHER 1,000 108,054
BLACKROCK INSD MUN TERM TR INC COM 092474105 292 25,500 SH DEFINED 25,500
BLACKROCK INSD MUN INCOME TR COM 092479104 291 19,500 SH DEFINED 19,500
BLACKROCK MUNICIPAL BOND TR COM 09249H104 223 15,000 SH DEFINED 15,000
BLOCK H & R INC COM 093671105 278 6,425 SH DEFINED 5,411 1,014
BLOCK H & R INC COM 093671105 215 4,980 SH OTHER 4,800 180
BLOUNT INTL INC NEW COM 095180105 239 41,851 SH OTHER 41,851
BOEING CO COM 097023105 7,091 206,606 SH DEFINED 205,565 1,041
BOEING CO COM 097023105 262 7,631 SH OTHER 5,641 1,400 590
BRISTOL MYERS SQUIBB CO COM 110122108 10,100 372,014 SH DEFINED 347,034 2,120 22,860
BRISTOL MYERS SQUIBB CO COM 110122108 3,870 142,555 SH OTHER 109,129 31,523 1,903
BROWN FORMAN CORP CL B CL B 115637209 79 1,000 SH DEFINED 1,000
BROWN FORMAN CORP CL B CL B 115637209 142 1,800 SH OTHER 1,800
BUCKEYE PARTNERS LP UNITS UNIT LTD PARTN 118230101 275 7,000 SH DEFINED 6,400 600
BUCKEYE TECHNOLOGIES INC COM 118255108 34 4,980 SH DEFINED 4,980
BUCKEYE TECHNOLOGIES INC COM 118255108 62 9,100 SH OTHER 9,100
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 2,837 99,761 SH DEFINED 98,337 1,424
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 54 1,906 SH OTHER 400 1,425 81
BURLINGTON RESOURCES INC COM 122014103 2,840 52,517 SH DEFINED 47,504 2,770 2,243
BURLINGTON RESOURCES INC COM 122014103 406 7,500 SH OTHER 3,710 3,790
CIGNA CORP COM 125509109 962 20,500 SH DEFINED 20,500
CIGNA CORP COM 125509109 103 2,196 SH OTHER 2,196
CSX CORP COM 126408103 191 6,333 SH DEFINED 6,333
CSX CORP COM 126408103 61 2,020 SH OTHER 1,620 400
CVS CORPORATION (DEL) COM 126650100 1,636 58,379 SH DEFINED 56,819 1,560
CVS CORPORATION (DEL) COM 126650100 247 8,804 SH OTHER 7,722 602 480
CAMPBELL SOUP CO COM 134429109 196 8,000 SH DEFINED 8,000
CAMPBELL SOUP CO COM 134429109 169 6,900 SH OTHER 6,300 600
CARDINAL HEALTH INC COM 14149Y108 1,510 23,488 SH DEFINED 22,488 1,000
CARDINAL HEALTH INC COM 14149Y108 390 6,071 SH OTHER 3,945 566 1,560
CATERPILLAR INC COM 149123101 1,223 21,979 SH DEFINED 21,333 646
CATERPILLAR INC COM 149123101 377 6,768 SH OTHER 3,768 3,000
CEDAR FAIR L P DEPOSITRY UNIT 150185106 448 16,000 SH DEFINED 16,000
CENDANT CORP COM 151313103 191 10,435 SH DEFINED 10,435
CENTERPOINT ENERGY INC COM 15189T107 88 10,751 SH DEFINED 10,751
CENTERPOINT ENERGY INC COM 15189T107 60 7,394 SH OTHER 400 5,675 1,319
CENTURYTEL INC COM 156700106 8,786 252,122 SH DEFINED 17,373 234,749
CENTURYTEL INC COM 156700106 28 800 SH OTHER 800
CHEVRON TEXACO CORP COM 166764100 10,822 149,894 SH DEFINED 138,479 5,100 6,315
CHEVRON TEXACO CORP COM 166764100 3,847 53,283 SH OTHER 32,442 18,700 2,141
CINERGY CORP COM 172474108 204 5,550 SH DEFINED 5,550
CINERGY CORP COM 172474108 436 11,850 SH OTHER 5,850 6,000
CISCO SYS INC COM 17275R102 7,746 461,335 SH DEFINED 444,234 3,810 13,291
CISCO SYS INC COM 17275R102 1,426 84,909 SH OTHER 55,683 26,907 2,319
CITIGROUP INC COM 172967101 11,143 260,357 SH DEFINED 253,798 6,559
CITIGROUP INC COM 172967101 4,907 114,644 SH OTHER 98,632 7,105 8,907
CLEAR CHANNEL COMMUNICATIONS COM 184502102 3,564 84,080 SH DEFINED 72,465 11,615
CLEAR CHANNEL COMMUNICATIONS COM 184502102 271 6,400 SH OTHER 6,215 140 45
CLOROX CO COM 189054109 2,087 48,934 SH DEFINED 36,067 1,477 11,390
CLOROX CO COM 189054109 369 8,645 SH OTHER 5,494 2,986 165
COACH INC COM 189754104 158 3,184 SH DEFINED 3,184
COACH INC COM 189754104 230 4,626 SH OTHER 476 4,150
COCA COLA CO COM 191216100 39,073 841,908 SH DEFINED 831,128 10,780
COCA COLA CO COM 191216100 31,247 673,279 SH OTHER 623,880 38,494 10,905
COCA COLA ENTERPRISES INC COM 191219104 3,976 219,060 SH OTHER 219,060
COLGATE PALMOLIVE CO COM 194162103 2,995 51,680 SH DEFINED 51,065 615
COLGATE PALMOLIVE CO COM 194162103 16,172 279,069 SH OTHER 265,678 3,300 10,091
COLONIAL BANCGROUP INC COM 195493309 86 6,222 SH DEFINED 6,222
COLONIAL BANCGROUP INC COM 195493309 94 6,745 SH OTHER 6,745
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 55 1,550 SH DEFINED 1,550
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 296 8,425 SH OTHER 8,425
COMCAST CORP NEW CL A CL A 20030N101 868 28,776 SH DEFINED 25,951 1,393 1,432
COMCAST CORP NEW CL A CL A 20030N101 298 9,861 SH OTHER 6,501 1,241 2,119
COMCAST CORP NEW CL A SPL 20030N200 5,381 185,611 SH DEFINED 130,064 55,547
COMCAST CORP NEW CL A SPL 20030N200 750 25,885 SH OTHER 23,000 2,275 610
COMPASS BANCSHARES, INC. COM 20449H109 2,165 62,339 SH DEFINED 62,339
COMPASS BANCSHARES, INC. COM 20449H109 4,256 122,548 SH OTHER 107,013 15,535
CONAGRA FOODS INC COM COM 205887102 1,518 64,310 SH DEFINED 62,510 1,800
CONAGRA FOODS INC COM COM 205887102 562 23,812 SH OTHER 23,412 400
CONEXANT SYS INC COM 207142100 49 11,610 SH DEFINED 11,610
CONEXANT SYS INC COM 207142100 6 1,448 SH OTHER 1,448
CONOCO/PHILLIPS COM 20825C104 2,809 51,260 SH DEFINED 50,076 1,184
CONOCO/PHILLIPS COM 20825C104 476 8,678 SH OTHER 8,362 316
CONSOLIDATED EDISON INC COM 209115104 204 4,711 SH DEFINED 4,711
CONSOLIDATED EDISON INC COM 209115104 110 2,550 SH OTHER 2,550
COOPER CAMERON CORP COM 216640102 550 10,909 SH DEFINED 10,909
COOPER CAMERON CORP COM 216640102 21 425 SH OTHER 425
COSTCO WHSL CORP COM 22160K105 533 14,570 SH DEFINED 14,370 200
COSTCO WHSL CORP COM 22160K105 132 3,610 SH OTHER 400 3,210
COX COMMUNICATIONS INC NEW CL A 224044107 26,852 841,749 SH DEFINED 840,869 880
DTE ENERGY CO COM 233331107 196 5,063 SH DEFINED 4,753 310
DTE ENERGY CO COM 233331107 28 725 SH OTHER 675 50
DEERE & CO COM 244199105 180 3,933 SH DEFINED 3,933
DEERE & CO COM 244199105 110 2,400 SH OTHER 2,400
DEL MONTE FOODS CO COM 24522P103 119 13,477 SH DEFINED 13,477
DEL MONTE FOODS CO COM 24522P103 26 2,962 SH OTHER 2,562 400
DELL COMPUTER CORP COM 247025109 5,529 173,656 SH DEFINED 155,060 600 17,996
DELL COMPUTER CORP COM 247025109 915 28,748 SH OTHER 25,021 2,895 832
DELPHI CORP COM 247126105 226 26,207 SH DEFINED 26,207
DELPHI CORP COM 247126105 40 4,692 SH OTHER 3,445 1,247
DELTA AIR LINES INC COM 247361108 130 8,865 SH DEFINED 8,765 100
DELTA AIR LINES INC COM 247361108 39 2,688 SH OTHER 2,688
DELTIC TIMBER CORP COM 247850100 1,907 67,028 SH DEFINED 67,028
DEUTSCHE TELEKOM AG SPONSORED ADR 251566105 200 13,126 SH DEFINED 12,176 950
DEVON ENERGY CORPORATION NEW COM 25179M103 314 5,889 SH DEFINED 5,831 58
DEVON ENERGY CORPORATION NEW COM 25179M103 2 30 SH OTHER 30
DIAL CORP NEW COM COM 25247D101 736 37,863 SH DEFINED 36,964 799 100
DIAL CORP NEW COM COM 25247D101 121 6,221 SH OTHER 4,476 1,479 266
DIEBOLD INC COM 253651103 300 6,945 SH DEFINED 6,945
WALT DISNEY COMPANY COM DISNEY 254687106 3,072 155,536 SH DEFINED 91,851 1,060 62,625
WALT DISNEY COMPANY COM DISNEY 254687106 1,109 56,174 SH OTHER 15,782 22,102 18,290
DOMINION RES INC VA NEW COM 25746U109 980 15,256 SH DEFINED 14,711 545
DOMINION RES INC VA NEW COM 25746U109 35 545 SH OTHER 300 100 145
DOVER CORP COM 260003108 392 13,071 SH DEFINED 9,571 3,500
DOVER CORP COM 260003108 112 3,745 SH OTHER 3,041 704
DOW CHEM CO COM COM 260543103 853 27,545 SH DEFINED 27,045 500
DOW CHEM CO COM COM 260543103 342 11,062 SH OTHER 3,458 4,750 2,854
DREYFUS STRATEGIC MUNS INC COM 261932107 502 50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 34 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 459 51,548 SH DEFINED 51,548
DU PONT E I DE NEMOURS & CO COM 263534109 10,975 263,579 SH DEFINED 252,770 1,280 9,529
DU PONT E I DE NEMOURS & CO COM 263534109 2,788 66,952 SH OTHER 49,116 7,431 10,405
DUKE ENERGY CORP COM 264399106 1,824 91,444 SH DEFINED 74,304 17,140
DUKE ENERGY CORP COM 264399106 489 24,504 SH OTHER 21,579 2,925
DURECT CORP COM 266605104 121 50,281 SH OTHER 50,281
E M C CORP MASS COM 268648102 843 80,546 SH DEFINED 80,546
E M C CORP MASS COM 268648102 382 36,509 SH OTHER 26,935 9,374 200
E TRADE GROUP INC COM 269246104 172 20,250 SH DEFINED 20,250
E TRADE GROUP INC COM 269246104 5 550 SH OTHER 300 250
EATON CORP COM 278058102 387 4,917 SH DEFINED 4,342 575
EATON CORP COM 278058102 7 95 SH OTHER 95
EATON VANCE MUNI INC TR FD SH BEN INT 27826U108 505 33,332 SH DEFINED 33,332
EATON VANCE INS MUN BD FD COM 27827X101 293 20,000 SH DEFINED 20,000
EBAY INC COM 278642103 204 1,964 SH DEFINED 1,385 579
EBAY INC COM 278642103 8 80 SH OTHER 80
EL PASO CORP COM 28336L109 80 9,898 SH DEFINED 9,148 750
EL PASO CORP COM 28336L109 50 6,229 SH OTHER 5,229 1,000
ELECTRONIC ARTS COM 285512109 6 85 SH DEFINED 85
ELECTRONIC ARTS COM 285512109 251 3,400 SH OTHER 3,400
ELECTRONIC DATA SYS CORP NEW COM 285661104 4,411 205,655 SH DEFINED 178,155 5,560 21,940
ELECTRONIC DATA SYS CORP NEW COM 285661104 854 39,828 SH OTHER 24,558 14,870 400
EMERSON ELECTRIC CO COM 291011104 2,414 47,240 SH DEFINED 46,550 690
EMERSON ELECTRIC CO COM 291011104 616 12,055 SH OTHER 8,455 3,360 240
ENERGEN CORP COM 29265N108 237 7,105 SH DEFINED 6,865 240
ENERGEN CORP COM 29265N108 235 7,050 SH OTHER 5,400 1,650
ENERGYSOUTH INC COM 292970100 1,520 46,829 SH DEFINED 46,829
ENERGYSOUTH INC COM 292970100 97 3,000 SH OTHER 3,000
THE ENSTAR GROUP INC COM 29358R107 857 21,607 SH DEFINED 21,607
ENTERASYS NETWORKS INC COM 293637104 48 15,696 SH DEFINED 4,966 10,730
ENTERGY CORP COM 29364G103 262 4,956 SH DEFINED 4,821 135
ENTERGY CORP COM 29364G103 77 1,455 SH OTHER 100 1,000 355
EXELON CORP COM 30161N101 673 11,255 SH DEFINED 10,451 804
EXELON CORP COM 30161N101 121 2,019 SH OTHER 1,107 757 155
EXXON MOBIL CORP COM 30231G102 40,709 1,133,633 SH DEFINED 1,087,640 6,858 39,135
EXXON MOBIL CORP COM 30231G102 14,906 415,086 SH OTHER 332,291 65,909 16,886
FPL GROUP INC COM 302571104 2,130 31,863 SH DEFINED 31,863
FPL GROUP INC COM 302571104 232 3,470 SH OTHER 2,370 700 400
FAMILY DOLLAR STORES INC COM 307000109 1,233 32,310 SH DEFINED 32,162 148
FAMILY DOLLAR STORES INC COM 307000109 150 3,920 SH OTHER 3,290 630
FREDDIE MAC COM 313400301 1,138 22,425 SH DEFINED 21,915 510
FREDDIE MAC COM 313400301 41 805 SH OTHER 550 255
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 3,617 53,629 SH DEFINED 52,006 1,623
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 909 13,485 SH OTHER 8,520 4,000 965
FEDEX CORP COM 31428X106 6,883 110,966 SH DEFINED 73,039 37,927
FEDEX CORP COM 31428X106 539 8,689 SH OTHER 8,589 100
FIRST DATA CORP COM 319963104 4,424 106,746 SH DEFINED 90,033 16,713
FIRST DATA CORP COM 319963104 391 9,440 SH OTHER 4,104 400 4,936
FIRST TENNESSEE NATIONAL CORP COM 337162101 1,019 23,200 SH DEFINED 22,230 970
FIRST TENNESSEE NATIONAL CORP COM 337162101 168 3,825 SH OTHER 1,800 1,800 225
FIRST VIRGINIA BANKSHARES, INC. COM 337477103 839 19,450 SH OTHER 19,450
FIRSTENERGY CORP COM 337932107 271 7,056 SH DEFINED 7,056
FIRSTENERGY CORP COM 337932107 7 190 SH OTHER 190
FLEETBOSTON FINL CORP COM 339030108 657 22,112 SH DEFINED 22,112
FLEETBOSTON FINL CORP COM 339030108 68 2,302 SH OTHER 2,302
FLEMING COMPANIES INC COM 339130106 2 16,350 SH DEFINED 16,350
FLORIDA ROCK INDS INC COM 341140101 394 9,534 SH DEFINED 6,750 2,374 410
FLORIDA ROCK INDS INC COM 341140101 44 1,057 SH OTHER 1,057
FOOT LOCKER INC COM 344849104 231 17,440 SH DEFINED 13,744 3,696
FORD MTR CO DEL COM PAR $0.01 345370860 259 23,547 SH DEFINED 23,067 480
FORD MTR CO DEL COM PAR $0.01 345370860 162 14,701 SH OTHER 8,770 5,598 333
FOREST LABS INC COM 345838106 2,381 43,495 SH DEFINED 43,005 490
FOREST LABS INC COM 345838106 288 5,255 SH OTHER 5,050 205
FORTUNE BRANDS INC COM 349631101 795 15,223 SH DEFINED 15,223
FORTUNE BRANDS INC COM 349631101 133 2,550 SH OTHER 2,550
FRANKLIN RES INC COM 354613101 530 13,578 SH DEFINED 12,378 1,200
FRANKLIN RES INC COM 354613101 4 100 SH OTHER 100
GALLAGHER ARTHUR J & CO COM 363576109 434 15,955 SH DEFINED 15,750 205
GALLAGHER ARTHUR J & CO COM 363576109 11 400 SH OTHER 400
GALLAHER GROUP PLC SPONSORED ADR 363595109 358 9,050 SH DEFINED 9,050
GALLAHER GROUP PLC SPONSORED ADR 363595109 48 1,200 SH OTHER 1,200
GANNETT INC COM 364730101 1,583 20,608 SH DEFINED 17,408 600 2,600
GANNETT INC COM 364730101 1,395 18,163 SH OTHER 11,457 1,296 5,410
GAP INC COM 364760108 3,158 168,339 SH DEFINED 168,189 150
GAP INC COM 364760108 333 17,770 SH OTHER 12,890 4,530 350
GENENTECH INC COM NEW 368710406 524 7,272 SH DEFINED 6,267 1,005
GENENTECH INC COM NEW 368710406 152 2,110 SH OTHER 110 2,000
GENERAL DYNAMICS CORP COM 369550108 1,374 18,949 SH DEFINED 18,289 660
GENERAL DYNAMICS CORP COM 369550108 22 300 SH OTHER 100 200
GENERAL ELECTRIC CO COM 369604103 32,128 1,120,229 SH DEFINED 1,095,049 550 24,630
GENERAL ELECTRIC CO COM 369604103 15,560 542,528 SH OTHER 468,224 65,269 9,035
GENERAL MILLS INC COM 370334104 2,042 43,073 SH DEFINED 43,073
GENERAL MILLS INC COM 370334104 621 13,089 SH OTHER 10,699 2,190 200
GENERAL MOTORS CORP COM 370442105 1,976 54,892 SH DEFINED 34,966 19,926
GENERAL MOTORS CORP COM 370442105 463 12,863 SH OTHER 11,423 1,440
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 1,279 99,862 SH DEFINED 4,083 95,779
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 20 1,524 SH OTHER 1,518 6
GENUINE PARTS CO COM 372460105 1,408 43,976 SH DEFINED 37,706 1,770 4,500
GENUINE PARTS CO COM 372460105 701 21,886 SH OTHER 19,116 2,770
GEORGIA PAC CORP (GA PAC GR) COM 373298108 1,870 98,661 SH DEFINED 98,661
GEORGIA PAC CORP (GA PAC GR) COM 373298108 8 400 SH OTHER 400
GILLETTE CO COM 375766102 4,159 130,554 SH DEFINED 118,984 170 11,400
GILLETTE CO COM 375766102 1,869 58,675 SH OTHER 38,115 7,260 13,300
GLAXO SMITHKLINE SPONSORED ADR 37733W105 363 8,946 SH DEFINED 8,371 575
GLAXO SMITHKLINE SPONSORED ADR 37733W105 140 3,455 SH OTHER 3,300 155
GOODRICH CORP COM 382388106 498 23,725 SH DEFINED 22,025 1,700
GOODRICH CORP COM 382388106 21 1,000 SH OTHER 1,000
GRAY TELEVISION INC CL A 389375205 173 14,068 SH OTHER 14,068
HCA-INC COM 404119109 366 11,413 SH DEFINED 10,263 1,150
HCA-INC COM 404119109 8 260 SH OTHER 200 60
HCB BANCSHARES INC COM 40413N106 3,309 192,918 SH DEFINED 192,918
HSBC HLDGS PLC SPON ADR NEW 404280406 228 3,861 SH DEFINED 3,396 465
HSBC HLDGS PLC SPON ADR NEW 404280406 226 3,815 SH OTHER 3,705 110
HARLEY DAVIDSON INC COM 412822108 223 5,595 SH DEFINED 5,460 135
HARLEY DAVIDSON INC COM 412822108 1 20 SH OTHER 20
HARTFORD FINL SVCS GROUP INC COM 416515104 232 4,599 SH DEFINED 4,189 410
HARTFORD FINL SVCS GROUP INC COM 416515104 7 140 SH OTHER 140
HEALTHSOUTH CORP COM 421924101 16 29,910 SH DEFINED 29,910
HEALTHSOUTH CORP COM 421924101 2 4,275 SH OTHER 4,275
HEALTH NET INC COM 42222G108 200 6,058 SH DEFINED 4,490 1,568
HEALTH NET INC COM 42222G108 9 285 SH OTHER 285
HEINZ H J CO COM 423074103 1,625 49,271 SH DEFINED 49,271
HEINZ H J CO COM 423074103 290 8,795 SH OTHER 7,895 900
HERSHEY FOODS CORP COM 427866108 274 3,935 SH DEFINED 3,935
HERSHEY FOODS CORP COM 427866108 327 4,700 SH OTHER 3,600 1,100
HEWLETT PACKARD CO COM 428236103 2,276 106,859 SH DEFINED 103,922 2,937
HEWLETT PACKARD CO COM 428236103 969 45,485 SH OTHER 40,085 2,525 2,875
HIBERNIA CORP CL A 428656102 545 29,995 SH DEFINED 27,714 2,281
HILTON HOTELS COM 432848109 1,200 93,859 SH DEFINED 6,285 87,574
HOME DEPOT INC COM 437076102 5,041 152,191 SH DEFINED 136,695 15,496
HOME DEPOT INC COM 437076102 1,086 32,787 SH OTHER 26,505 3,200 3,082
HONEYWELL INTERNATIONAL INC COM 438516106 544 20,263 SH DEFINED 19,168 1,095
HONEYWELL INTERNATIONAL INC COM 438516106 293 10,931 SH OTHER 1,875 9,056
HUNTINGTON BANCSHARES INC COM 446150104 195 10,000 SH DEFINED 10,000
ILLINOIS TOOL WKS INC COM 452308109 301 4,578 SH DEFINED 4,563 15
IMPAC MTG HLDGS INC (REITS) COM 45254P102 267 16,000 SH OTHER 16,000
INTEL CORP COM 458140100 13,156 632,202 SH DEFINED 582,747 1,870 47,585
INTEL CORP COM 458140100 4,609 221,489 SH OTHER 177,818 38,891 4,780
INTL BUSINESS MACHINES CORP COM 459200101 11,550 140,004 SH DEFINED 126,684 13,320
INTL BUSINESS MACHINES CORP COM 459200101 3,984 48,293 SH OTHER 37,427 9,724 1,142
INTERNATIONAL GAME TECHNOLOGY COM 459902102 1,109 10,834 SH DEFINED 10,817 17
INTERNATIONAL PAPER CO COM 460146103 5,629 157,532 SH DEFINED 156,857 675
INTERNATIONAL PAPER CO COM 460146103 1,206 33,745 SH OTHER 32,249 1,396 100
ISHARES TR S&P SMLCP VALU 464287879 139 1,700 SH DEFINED 1,700
ISHARES TR S&P SMLCP VALU 464287879 122 1,500 SH OTHER 1,500
JP MORGAN CHASE & CO COM 46625H100 3,083 90,188 SH DEFINED 89,818 370
JP MORGAN CHASE & CO COM 46625H100 1,065 31,162 SH OTHER 25,327 5,735 100
JEFFERSON PILOT CORP COM 475070108 3,860 93,095 SH DEFINED 81,095 12,000
JEFFERSON PILOT CORP COM 475070108 3,979 95,975 SH OTHER 55,662 6,463 33,850
JOHNSON & JOHNSON COM 478160104 17,065 330,082 SH DEFINED 320,602 9,480
JOHNSON & JOHNSON COM 478160104 4,775 92,361 SH OTHER 65,580 16,560 10,221
KLA - TENCOR CORPORATION COM 482480100 1,341 28,868 SH DEFINED 28,868
KLA - TENCOR CORPORATION COM 482480100 186 4,000 SH OTHER 4,000
KELLOGG CO COM 487836108 546 15,900 SH DEFINED 15,900
KELLOGG CO COM 487836108 412 12,000 SH OTHER 10,400 1,600
KEYCORP NEW COM 493267108 1,258 49,796 SH DEFINED 48,576 1,220
KEYCORP NEW COM 493267108 133 5,250 SH OTHER 4,150 800 300
KIMBERLY CLARK CORP COM 494368103 2,375 45,552 SH DEFINED 44,622 930
KIMBERLY CLARK CORP COM 494368103 2,095 40,176 SH OTHER 35,430 4,596 150
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 509 12,868 SH DEFINED 11,868 1,000
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 21 525 SH OTHER 525
KNIGHT RIDDER INC COM 499040103 1,336 19,383 SH DEFINED 4,483 14,900
KOHLS CORP COM 500255104 230 4,470 SH DEFINED 3,715 755
KOHLS CORP COM 500255104 177 3,445 SH OTHER 250 3,195
KONINKLIJKE PHILIPS ELECTRS NY REG SH NEW 500472303 373 19,530 SH DEFINED 3,010 16,520
KRAFT FOODS INC CL A 50075N104 1,323 40,655 SH DEFINED 39,070 1,585
KRAFT FOODS INC CL A 50075N104 91 2,810 SH OTHER 2,140 295 375
KROGER CO COM 501044101 171 10,235 SH DEFINED 7,015 3,220
KROGER CO COM 501044101 8 500 SH OTHER 500
LEGGETT & PLATT INC COM 524660107 1,087 53,000 SH DEFINED 53,000
LEHMAN BROS HLDGS INC COM 524908100 1,537 23,113 SH DEFINED 23,113
LEHMAN BROS HLDGS INC COM 524908100 206 3,104 SH OTHER 2,790 314
LILLY ELI & CO COM 532457108 6,310 91,490 SH DEFINED 84,778 6,712
LILLY ELI & CO COM 532457108 1,867 27,077 SH OTHER 19,962 2,200 4,915
LIMITED BRANDS INC COM 532716107 145 9,343 SH DEFINED 8,943 400
LIMITED BRANDS INC COM 532716107 20 1,300 SH OTHER 1,300
LINCOLN NATIONAL CORP IND COM 534187109 380 10,660 SH DEFINED 10,360 300
LINCOLN NATIONAL CORP IND COM 534187109 88 2,469 SH OTHER 2,219 250
LIZ CLAIBORNE INC COM 539320101 1,194 33,863 SH DEFINED 32,423 1,440
LIZ CLAIBORNE INC COM 539320101 66 1,880 SH OTHER 1,400 480
LOCKHEED MARTIN CORP COM 539830109 144 3,024 SH DEFINED 2,914 110
LOCKHEED MARTIN CORP COM 539830109 196 4,117 SH OTHER 3,617 500
LOEWS CORP COM 540424108 36 755 SH DEFINED 645 110
LOEWS CORP COM 540424108 851 18,000 SH OTHER 18,000
LOUISIANA PACIFIC CORP COM 546347105 1,035 95,464 SH DEFINED 95,189 275
LOWES COS INC COM 548661107 3,744 87,161 SH DEFINED 86,152 1,009
LOWES COS INC COM 548661107 403 9,374 SH OTHER 7,990 1,384
LUCENT TECHNOLOGIES INC COM 549463107 77 37,908 SH DEFINED 33,908 4,000
LUCENT TECHNOLOGIES INC COM 549463107 24 12,059 SH OTHER 5,128 6,731 200
LUFKIN INDUSTRIES INCORPORATED COM 549764108 684 27,984 SH DEFINED 27,984
LUFKIN INDUSTRIES INCORPORATED COM 549764108 734 30,000 SH OTHER 30,000
MBNA CORP COM 55262L100 587 28,150 SH DEFINED 26,132 2,018
MBNA CORP COM 55262L100 24 1,162 SH OTHER 420 742
MANULIFE FINL CORP ADR COM 56501R106 662 23,466 SH DEFINED 23,116 350
MARATHON OIL CORP COM 565849106 642 24,358 SH DEFINED 23,833 525
MARATHON OIL CORP COM 565849106 81 3,062 SH OTHER 1,940 390 732
MARSH & MCLENNAN COS INC COM 571748102 2,568 50,290 SH DEFINED 48,797 1,493
MARSH & MCLENNAN COS INC COM 571748102 550 10,763 SH OTHER 2,550 900 7,313
MARRIOTT INTL INC NEW CL A 571903202 2,572 66,934 SH DEFINED 29,071 37,863
MARRIOTT INTL INC NEW CL A 571903202 373 9,700 SH OTHER 1,100 1,100 7,500
MASCO CORP COM 574599106 273 11,443 SH DEFINED 10,373 1,070
MASCO CORP COM 574599106 468 19,620 SH OTHER 4,300 15,320
MATSUSHITA ELEC INDL LTD ADR 576879209 112 11,173 SH DEFINED 9,980 1,193
MATSUSHITA ELEC INDL LTD ADR 576879209 5 507 SH OTHER 507
MAYTAG CORP COM 578592107 15,462 633,189 SH DEFINED 633,189
MAYTAG CORP COM 578592107 57 2,350 SH OTHER 2,350
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 919 33,798 SH DEFINED 33,798
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 48 1,776 SH OTHER 1,776
MCDONALDS CORP COM 580135101 1,144 51,858 SH DEFINED 51,388 470
MCDONALDS CORP COM 580135101 458 20,760 SH OTHER 17,515 1,400 1,845
MCGRAW-HILL COMPANIES INC NEW COM 580645109 725 11,688 SH DEFINED 11,288 400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 74 1,200 SH OTHER 1,200
MCKESSON CORPORATION COM 58155Q103 221 6,183 SH DEFINED 5,118 1,065
MCKESSON CORPORATION COM 58155Q103 128 3,583 SH OTHER 3,383 200
MEADWESTVACO CORP COM 583334107 183 7,398 SH DEFINED 7,398
MEADWESTVACO CORP COM 583334107 1,963 79,488 SH OTHER 26,594 3,240 49,654
MEDIMMUNE INC COM 584699102 1,204 33,101 SH DEFINED 30,665 1,400 1,036
MEDIMMUNE INC COM 584699102 157 4,310 SH OTHER 1,150 3,160
MEDTRONIC INC COM 585055106 4,408 91,893 SH DEFINED 90,083 1,810
MEDTRONIC INC COM 585055106 1,428 29,762 SH OTHER 9,275 7,800 12,687
MELLON FINL CORP COM 58551A108 237 8,536 SH DEFINED 8,536
MELLON FINL CORP COM 58551A108 33 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 16,900 279,103 SH DEFINED 265,994 2,004 11,105
MERCK & CO INC COM 589331107 8,705 143,758 SH OTHER 103,120 16,948 23,690
MERRILL LYNCH & CO INC COM 590188108 416 8,905 SH DEFINED 8,325 580
MERRILL LYNCH & CO INC COM 590188108 4 75 SH OTHER 75
METLIFE INC COM 59156R108 218 7,681 SH DEFINED 6,191 1,490
METLIFE INC COM 59156R108 14 488 SH OTHER 213 275
MICROSOFT CORP COM 594918104 13,729 535,465 SH DEFINED 493,745 5,978 35,742
MICROSOFT CORP COM 594918104 3,724 145,261 SH OTHER 108,226 19,722 17,313
MID-AMER APT CMNTYS INC (REIT) COM 59522J103 210 7,760 SH DEFINED 860 6,900
MIDCAP SPDR TR UNIT SER 1 595635103 209 2,381 SH DEFINED 1,800 581
MIRANT CORP COM 604675108 65 22,494 SH DEFINED 21,938 556
MIRANT CORP COM 604675108 32 11,170 SH OTHER 10,382 788
MITSUBISHI TOKYO FINL GROUP SPONSORED ADR 606816106 78 16,935 SH DEFINED 15,895 1,040
MOODYS CORP COM 615369105 360 6,835 SH DEFINED 6,835
MOODYS CORP COM 615369105 42 800 SH OTHER 800
MORGAN STANLEY COM NEW 617446448 6,631 155,117 SH DEFINED 140,732 14,385
MORGAN STANLEY COM NEW 617446448 629 14,705 SH OTHER 13,935 500 270
MOTOROLA INC COM 620076109 1,090 115,555 SH DEFINED 91,295 24,260
MOTOROLA INC COM 620076109 369 39,150 SH OTHER 32,100 6,650 400
MURPHY OIL CORP COM 626717102 1,936 36,799 SH DEFINED 36,799
NASDAQ 100 TR UNIT SER 1 631100104 313 10,467 SH DEFINED 8,769 1,698
NASDAQ 100 TR UNIT SER 1 631100104 81 2,720 SH OTHER 1,500 1,220
NATIONAL CITY CORP CL A 635405103 424 12,966 SH DEFINED 12,666 300
NATIONAL CITY CORP CL A 635405103 67 2,060 SH OTHER 2,000 60
NATIONAL COMM FINL CORP COM 63545P104 742 33,418 SH DEFINED 32,493 925
NATIONAL COMM FINL CORP COM 63545P104 112 5,043 SH OTHER 4,360 683
NETWORK APPLIANCE INC DELEWARE COM 64120L104 444 27,640 SH DEFINED 21,673 5,967
NETWORK APPLIANCE INC DELEWARE COM 64120L104 12 730 SH OTHER 730
NEW YORK TIMES CO CL A CL A 650111107 324 7,114 SH DEFINED 7,114
NEW YORK TIMES CO CL A CL A 650111107 9 200 SH OTHER 200
NEWELL RUBBERMAID INC COM 651229106 37 1,308 SH DEFINED 1,118 190
NEWELL RUBBERMAID INC COM 651229106 302 10,800 SH OTHER 800 10,000
NEWMONT MINING CORP (NEW) COM 651639106 5,779 178,039 SH DEFINED 170,389 5,300 2,350
NEWMONT MINING CORP (NEW) COM 651639106 491 15,121 SH OTHER 8,998 5,940 183
NEXTEL COMMUNICATIONS INC CL A 65332V103 195 10,768 SH DEFINED 4,866 5,902
NEXTEL COMMUNICATIONS INC CL A 65332V103 9 505 SH OTHER 505
NIKE INC CL B CL B 654106103 737 13,785 SH DEFINED 13,785
NIKE INC CL B CL B 654106103 64 1,200 SH OTHER 800 400
NOKIA CORP SPONSORED ADR 654902204 849 51,689 SH DEFINED 49,838 1,851
NOKIA CORP SPONSORED ADR 654902204 652 39,708 SH OTHER 1,800 37,908
NORFOLK SOUTHERN CORPORATION COM 655844108 396 20,621 SH DEFINED 20,550 71
NORFOLK SOUTHERN CORPORATION COM 655844108 403 20,967 SH OTHER 14,712 6,255
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 246 5,900 SH DEFINED 5,400 500
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 63 1,500 SH OTHER 1,500
NORTHERN TRUST CORP COM 665859104 250 6,005 SH DEFINED 6,005
NORTHERN TRUST CORP COM 665859104 4 100 SH OTHER 100
NORTHROP GRUMMAN CORP COM 666807102 3,700 42,879 SH DEFINED 38,029 850 4,000
NORTHROP GRUMMAN CORP COM 666807102 569 6,589 SH OTHER 3,259 820 2,510
NUCOR CORP COM 670346105 134 2,735 SH DEFINED 2,735
NUCOR CORP COM 670346105 78 1,600 SH OTHER 1,600
NVIDIA CORP COM 67066G104 1,663 72,585 SH DEFINED 72,585
NVIDIA CORP COM 67066G104 183 8,000 SH OTHER 8,000
NUVEEN DIVIDEND ADV MUNI 3 COM SH BEN INT 67070X101 289 20,000 SH DEFINED 20,000
NUVEEN INSD DIVID ADVANTAGE COM 67071L106 154 10,000 SH DEFINED 10,000
OGE ENERGY CORP COM 670837103 174 8,128 SH DEFINED 8,128
OGE ENERGY CORP COM 670837103 29 1,350 SH OTHER 1,200 150
NUVEEN MUN VALUE FD INC COM 670928100 215 22,761 SH DEFINED 22,761
NUVEEN MUN VALUE FD INC COM 670928100 13 1,333 SH OTHER 1,333
NUVEEN TEX QUAL INCM MUN FD COM 670983105 762 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 340 10,130 SH DEFINED 8,505 1,625
OCCIDENTAL PETE CORP COM 674599105 8 240 SH OTHER 240
OFFICE DEPOT INC COM 676220106 199 13,702 SH DEFINED 6,389 7,313
OFFICE DEPOT INC COM 676220106 30 2,100 SH OTHER 1,350 750
OLD REPUBLIC INTL CORP COM 680223104 361 10,544 SH DEFINED 8,975 1,569
OLD REPUBLIC INTL CORP COM 680223104 10,982 320,446 SH OTHER 72,186 248,000 260
OMNICOM GROUP COM 681919106 76 1,055 SH DEFINED 1,000 55
OMNICOM GROUP COM 681919106 495 6,900 SH OTHER 4,500 2,400
ORACLE CORPORATION COM 68389X105 3,812 317,400 SH DEFINED 299,570 6,920 10,910
ORACLE CORPORATION COM 68389X105 617 51,360 SH OTHER 25,080 14,390 11,890
PNC FINANCIAL SERVICES GROUP COM 693475105 627 12,850 SH DEFINED 12,850
PNC FINANCIAL SERVICES GROUP COM 693475105 69 1,410 SH OTHER 900 510
PPG INDUSTRIES INC COM 693506107 241 4,750 SH DEFINED 4,750
PPG INDUSTRIES INC COM 693506107 193 3,800 SH OTHER 3,400 400
PACCAR INC COM 693718108 224 3,300 SH DEFINED 3,300
PACCAR INC COM 693718108 82 1,206 SH OTHER 1,206
PARKER HANNIFIN CORP COM 701094104 252 6,005 SH DEFINED 5,625 380
PARKER HANNIFIN CORP COM 701094104 5 120 SH OTHER 120
PEOPLES BANCTRUST INC COM 709796106 5,837 389,100 SH DEFINED 389,100
PEPSICO INC COM 713448108 12,631 283,834 SH DEFINED 276,778 4,379 2,677
PEPSICO INC COM 713448108 3,032 68,145 SH OTHER 41,882 17,816 8,447
PFIZER INC COM 717081103 24,997 731,971 SH DEFINED 692,400 6,606 32,965
PFIZER INC COM 717081103 7,130 208,785 SH OTHER 136,863 49,368 22,554
PIMCO MUN INCOME FD II COM 72200W106 297 20,000 SH DEFINED 20,000
PIMCO MUN INCOME FD III COM 72201A103 288 19,500 SH DEFINED 19,500
PIMCO MUN INCOME FD III COM 72201A103 24 1,650 SH OTHER 1,650
PIONEER NATURAL RESOURCES CO COM 723787107 1,044 40,000 SH DEFINED 40,000
PITNEY BOWES INC COM 724479100 1,328 34,571 SH DEFINED 32,871 1,700
PITNEY BOWES INC COM 724479100 426 11,100 SH OTHER 11,100
PLUM CREEK TIMBER CO INC COM 729251108 2,480 95,560 SH DEFINED 95,560
PLUM CREEK TIMBER CO INC COM 729251108 81 3,109 SH OTHER 2,059 1,050
PRAXAIR INC COM 74005P104 218 3,635 SH DEFINED 2,833 802
PRAXAIR INC COM 74005P104 123 2,040 SH OTHER 300 1,740
PROASSURANCE CORP COM 74267C106 323 11,952 SH DEFINED 9,100 2,852
PROASSURANCE CORP COM 74267C106 44 1,633 SH OTHER 1,633
PROCTER & GAMBLE CO COM 742718109 12,891 144,550 SH DEFINED 139,743 3,140 1,667
PROCTER & GAMBLE CO COM 742718109 7,346 82,371 SH OTHER 56,881 9,113 16,377
PROGRESS ENERGY INC COM 743263105 829 18,893 SH DEFINED 18,620 273
PROGRESS ENERGY INC COM 743263105 150 3,422 SH OTHER 1,327 2,095
PROGRESSIVE CORP OHIO COM 743315103 487 6,666 SH DEFINED 4,720 1,946
PROGRESSIVE CORP OHIO COM 743315103 14 188 SH OTHER 188
PROTECTIVE LIFE CORP COM 743674103 1,123 41,965 SH DEFINED 41,965
PROTECTIVE LIFE CORP COM 743674103 5,143 192,257 SH OTHER 190,965 1,292
PROVIDIAN FINL CORP COM 74406A102 77 8,304 SH DEFINED 4,950 3,354
PROVIDIAN FINL CORP COM 74406A102 275 29,680 SH OTHER 15,880 13,800
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 270 6,382 SH DEFINED 5,952 430
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 144 3,412 SH OTHER 94 3,150 168
PUTNAM INVT GRADE MUN TR COM 746805100 365 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 2,654 330,884 SH DEFINED 330,884
QUALCOMM INC COM 747525103 900 25,050 SH DEFINED 23,555 1,495
QUALCOMM INC COM 747525103 751 20,884 SH OTHER 4,890 5,050 10,944
QUEST DIAGNOSTICS INC COM 74834L100 230 3,604 SH DEFINED 2,960 644
QUEST DIAGNOSTICS INC COM 74834L100 7 115 SH OTHER 115
QUESTAR CORP COM 748356102 437 13,050 SH DEFINED 13,050
RAYTHEON CO (NEW) COM NEW 755111507 3,346 101,889 SH DEFINED 89,939 11,950
RAYTHEON CO (NEW) COM NEW 755111507 521 15,865 SH OTHER 13,312 2,028 525
REGIONS FINANCIAL CORP COM 758940100 88,277 2,613,288 SH DEFINED 2,316,401 7,303 289,584
REGIONS FINANCIAL CORP COM 758940100 51,059 1,511,513 SH OTHER 1,385,179 32,153 94,181
RELIANT RES INC COM 75952B105 51 8,312 SH DEFINED 8,312
RELIANT RES INC COM 75952B105 30 4,882 SH OTHER 315 3,527 1,040
ROCKWELL AUTOMATION INC COM 773903109 299 12,560 SH DEFINED 12,560
ROCKWELL AUTOMATION INC COM 773903109 36 1,494 SH OTHER 266 1,228
ROCKWELL COLLINS INC COM 774341101 293 11,910 SH DEFINED 11,910
ROCKWELL COLLINS INC COM 774341101 37 1,494 SH OTHER 266 1,228
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 2,885 61,875 SH DEFINED 61,734 141
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 550 11,808 SH OTHER 9,664 2,000 144
RUBY TUESDAY INC COM 781182100 6,522 263,721 SH DEFINED 263,721
RUBY TUESDAY INC COM 781182100 211 8,528 SH OTHER 5,528 3,000
SBC COMMUNICATIONS INC NEW COM 78387G103 5,320 208,240 SH DEFINED 199,207 3,780 5,253
SBC COMMUNICATIONS INC NEW COM 78387G103 1,433 56,072 SH OTHER 20,002 23,203 12,867
SPDR TR UNIT SER 1 78462F103 7,173 73,476 SH DEFINED 65,676 6,320 1,480
SPDR TR UNIT SER 1 78462F103 1,012 10,370 SH OTHER 4,560 5,810
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 320 12,010 SH DEFINED 12,010
ST PAUL COS INC COM 792860108 266 7,295 SH DEFINED 7,295
ST PAUL COS INC COM 792860108 166 4,548 SH OTHER 4,548
SAKS INC COM 79377W108 223 23,026 SH DEFINED 580 22,446
SAKS INC COM 79377W108 1 132 SH OTHER 132
SANMINA CORP COM 800907107 23 3,714 SH DEFINED 3,714
SANMINA CORP COM 800907107 58 9,196 SH OTHER 8,652 544
SARA LEE CORP COM 803111103 526 27,962 SH DEFINED 27,962
SARA LEE CORP COM 803111103 3,286 174,683 SH OTHER 11,621 5,170 157,892
SCANA CORP NEW COM 80589M102 891 25,984 SH DEFINED 25,984
SCANA CORP NEW COM 80589M102 240 6,997 SH OTHER 6,897 100
SCHERING-PLOUGH CORP COM 806605101 1,107 59,515 SH DEFINED 49,970 9,545
SCHERING-PLOUGH CORP COM 806605101 423 22,760 SH OTHER 12,000 10,760
SCHLUMBERGER LTD ADR COM 806857108 3,279 68,940 SH DEFINED 58,140 10,800
SCHLUMBERGER LTD ADR COM 806857108 1,275 26,801 SH OTHER 14,151 2,450 10,200
SCHWAB CHARLES CORP NEW COM 808513105 433 42,923 SH DEFINED 40,194 2,729
SCHWAB CHARLES CORP NEW COM 808513105 7 671 SH OTHER 671
SCUDDER MUN INCOME TR COM SH BEN INT 81118R604 508 41,000 SH DEFINED 41,000
SEARS ROEBUCK & CO COM 812387108 272 8,092 SH DEFINED 8,092
SEARS ROEBUCK & CO COM 812387108 152 4,509 SH OTHER 4,509
SERVICEMASTER CO COM 81760N109 1,056 98,680 SH DEFINED 3,375 95,305
SKYWORKS SOLUTIONS INC COM 83088M102 69 10,152 SH DEFINED 5,733 4,419
SKYWORKS SOLUTIONS INC COM 83088M102 3 507 SH OTHER 507
SMITH INTL INC COM 832110100 419 11,400 SH DEFINED 11,400
SMITH INTL INC COM 832110100 4 100 SH OTHER 100
SONOCO PRODUCTS CO COM 835495102 72 3,000 SH DEFINED 3,000
SONOCO PRODUCTS CO COM 835495102 149 6,220 SH OTHER 6,220
SOUTHERN CO COM 842587107 7,181 230,465 SH DEFINED 227,258 700 2,507
SOUTHERN CO COM 842587107 2,791 89,577 SH OTHER 81,311 6,905 1,361
SOUTHTRUST CORP COM 844730101 5,706 211,348 SH DEFINED 211,348
SOUTHTRUST CORP COM 844730101 7,085 262,392 SH OTHER 207,394 42,930 12,068
SOUTHWEST AIRLINES CO COM 844741108 1,127 65,517 SH DEFINED 63,492 2,025
SOUTHWEST AIRLINES CO COM 844741108 110 6,413 SH OTHER 3,263 1,150 2,000
SPRINT CORP PCS COM SER 1 852061506 127 22,156 SH DEFINED 22,156
SPRINT CORP PCS COM SER 1 852061506 7 1,272 SH OTHER 1,204 68
STATE STR CORP COM 857477103 327 8,305 SH DEFINED 7,845 460
STATE STR CORP COM 857477103 4 94 SH OTHER 94
STRYKER CORP COM 863667101 426 6,139 SH DEFINED 5,340 799
STRYKER CORP COM 863667101 10 141 SH OTHER 141
SUN LIFE FINANCIAL SVCS CAN ADR COM 866796105 242 11,667 SH DEFINED 11,667
SUN MICROSYSTEMS INC COM 866810104 586 126,126 SH DEFINED 126,126
SUN MICROSYSTEMS INC COM 866810104 118 25,300 SH OTHER 17,300 7,000 1,000
SUNTRUST BANKS INC COM 867914103 1,691 28,497 SH DEFINED 28,290 207
SUNTRUST BANKS INC COM 867914103 1,022 17,218 SH OTHER 15,516 1,702
SYMANTEC CORP COM 871503108 136 3,094 SH DEFINED 1,890 1,204
SYMANTEC CORP COM 871503108 98 2,225 SH OTHER 2,000 225
SYNOVUS FINANCIAL CORP COM 87161C105 637 29,631 SH DEFINED 28,086 450 1,095
SYNOVUS FINANCIAL CORP COM 87161C105 2,451 113,985 SH OTHER 110,065 505 3,415
SYSCO CORP COM 871829107 1,923 64,028 SH DEFINED 63,573 455
SYSCO CORP COM 871829107 143 4,765 SH OTHER 3,800 800 165
TEPPCO PARTNERS LP UT LTD PARTNER 872384102 498 13,600 SH DEFINED 13,600
TXU CORP COM 873168108 331 14,742 SH DEFINED 14,742
TXU CORP COM 873168108 27 1,206 SH OTHER 1,000 6 200
TARGET CORP COM 87612E106 3,339 88,236 SH DEFINED 87,186 1,050
TARGET CORP COM 87612E106 775 20,493 SH OTHER 14,313 4,425 1,755
TELEFONICA S. A. SPONSORED ADR 879382208 427 12,343 SH DEFINED 12,090 253
TELEFONICA S. A. SPONSORED ADR 879382208 7 216 SH OTHER 216
TELEPHONE & DATA SYS INC COM 879433100 644 12,957 SH DEFINED 50 12,907
TEMPLETON GLOBAL INCOME FD INC COM 880198106 112 13,707 SH DEFINED 13,707
TEMPLETON GLOBAL INCOME FD INC COM 880198106 8 1,000 SH OTHER 1,000
TERADYNE INC COM 880770102 211 12,179 SH DEFINED 12,179
TERADYNE INC COM 880770102 14 800 SH OTHER 800
TEXAS INSTRUMENTS INC COM 882508104 3,715 211,081 SH DEFINED 190,172 20,909
TEXAS INSTRUMENTS INC COM 882508104 537 30,517 SH OTHER 25,150 4,332 1,035
TEXTRON INC COM 883203101 316 8,105 SH OTHER 8,105
THORNBURG MTG INC (REIT) COM 885218107 207 8,370 SH OTHER 8,370
3M CO COM 88579Y101 3,242 25,138 SH DEFINED 24,556 582
3M CO COM 88579Y101 2,402 18,622 SH OTHER 14,221 1,014 3,387
TORCHMARK CORP COM 891027104 3,837 103,017 SH DEFINED 102,217 800
TORCHMARK CORP COM 891027104 9,288 249,350 SH OTHER 239,369 9,981
TRAVELERS PPTY CAS CORP NEW CL A 89420G109 366 23,043 SH DEFINED 21,867 1,176
TRAVELERS PPTY CAS CORP NEW CL A 89420G109 59 3,706 SH OTHER 2,802 436 468
TRIZEC PROPERTIES INC (REIT) COM 89687P107 660 58,045 SH DEFINED 58,045
TYCO INTL LTD NEW ADR COM 902124106 282 14,855 SH DEFINED 14,375 480
TYCO INTL LTD NEW ADR COM 902124106 24 1,274 SH OTHER 1,274
UST INC COM 902911106 1,595 45,544 SH DEFINED 45,414 130
UST INC COM 902911106 102 2,900 SH OTHER 2,800 100
US BANCORP DEL COM NEW COM NEW 902973304 5,792 236,399 SH DEFINED 218,644 17,755
US BANCORP DEL COM NEW COM NEW 902973304 19 764 SH OTHER 634 130
UNION PACIFIC CORP COM 907818108 1,500 25,857 SH DEFINED 25,737 120
UNION PACIFIC CORP COM 907818108 240 4,131 SH OTHER 3,075 1,006 50
UNION PLANTERS CORP COM 908068109 2,197 70,787 SH DEFINED 70,787
UNION PLANTERS CORP COM 908068109 7,576 244,145 SH OTHER 64,414 172,380 7,351
UNITED PARCEL SVC INC CL B 911312106 73 1,144 SH DEFINED 937 207
UNITED PARCEL SVC INC CL B 911312106 285 4,477 SH OTHER 4,477
UNITED SEC BANCSHARES INC SHS 911459105 2,558 56,320 SH DEFINED 56,320
UNITED SEC BANCSHARES INC SHS 911459105 23 500 SH OTHER 500
UNITED TECHNOLOGIES CORP COM 913017109 1,786 25,209 SH DEFINED 23,927 1,282
UNITED TECHNOLOGIES CORP COM 913017109 557 7,864 SH OTHER 7,500 364
UNITEDHEALTH GROUP INC COM 91324P102 527 10,492 SH DEFINED 9,019 1,473
UNITEDHEALTH GROUP INC COM 91324P102 44 868 SH OTHER 868
UNOCAL CORP COM 915289102 195 6,798 SH DEFINED 6,798
UNOCAL CORP COM 915289102 29 1,000 SH OTHER 1,000
UNUMPROVIDENT CORP COM 91529Y106 12 880 SH DEFINED 880
UNUMPROVIDENT CORP COM 91529Y106 332 24,795 SH OTHER 17,681 7,114
V F CORP COM 918204108 1,701 50,066 SH DEFINED 50,066
V F CORP COM 918204108 272 8,000 SH OTHER 8,000
VERIZON COMMUNICATIONS COM 92343V104 8,473 214,769 SH DEFINED 198,458 280 16,031
VERIZON COMMUNICATIONS COM 92343V104 2,580 65,401 SH OTHER 39,747 21,026 4,628
VIACOM INC CL B 925524308 2,909 66,637 SH DEFINED 60,509 4,678 1,450
VIACOM INC CL B 925524308 182 4,161 SH OTHER 2,850 1,311
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 1,368 74,184 SH DEFINED 3,184 71,000
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 12 656 SH OTHER 656
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 528 26,881 SH DEFINED 25,471 1,410
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 288 14,651 SH OTHER 3,575 5,456 5,620
VULCAN MATERIALS CO COM 929160109 5,486 147,982 SH DEFINED 147,982
VULCAN MATERIALS CO COM 929160109 9,768 263,501 SH OTHER 197,764 4,219 61,518
WACHOVIA CORP COM 929903102 3,577 89,505 SH DEFINED 85,505 1,410 2,590
WACHOVIA CORP COM 929903102 752 18,815 SH OTHER 10,323 8,282 210
WADDELL & REED FINL INC CL A CL A 930059100 387 15,081 SH DEFINED 15,081
WADDELL & REED FINL INC CL A CL A 930059100 2,596 101,135 SH OTHER 98,772 2,363
WAL MART STORES INC COM 931142103 15,046 280,350 SH DEFINED 264,418 15,932
WAL MART STORES INC COM 931142103 4,764 88,762 SH OTHER 65,188 21,863 1,711
WALGREEN CO COM 931422109 2,436 80,947 SH DEFINED 79,528 1,419
WALGREEN CO COM 931422109 102 3,389 SH OTHER 1,600 1,400 389
WASHINGTON MUTUAL INC COM 939322103 3,439 83,277 SH DEFINED 66,721 16,556
WASHINGTON MUTUAL INC COM 939322103 448 10,846 SH OTHER 10,326 130 390
WASTE MANAGEMENT COM COM 94106L109 1,223 50,778 SH DEFINED 2,223 48,555
WELLPOINT HEALTH NETWORKS INC COM 94973H108 211 2,500 SH DEFINED 2,209 291
WELLPOINT HEALTH NETWORKS INC COM 94973H108 12 148 SH OTHER 148
WELLS FARGO & CO NEW COM 949746101 6,354 126,064 SH DEFINED 124,404 1,660
WELLS FARGO & CO NEW COM 949746101 940 18,645 SH OTHER 9,875 7,650 1,120
WEYERHAEUSER CO COM 962166104 2,805 51,945 SH DEFINED 44,345 7,600
WEYERHAEUSER CO COM 962166104 306 5,669 SH OTHER 4,069 1,300 300
WILLIAMS COS INC COM 969457100 113 14,300 SH DEFINED 14,300
WILLIAMS COS INC COM 969457100 54 6,850 SH OTHER 6,350 500
WILMINGTON TR CORP COM 971807102 308 10,500 SH DEFINED 10,500
WILMINGTON TR CORP COM 971807102 9 300 SH OTHER 300
WISCONSIN ENERGY CORP COM 976657106 414 14,275 SH DEFINED 14,275
WISCONSIN ENERGY CORP COM 976657106 3 110 SH OTHER 110
WRIGLEY WM JR CO COM 982526105 3,017 53,659 SH DEFINED 53,659
WRIGLEY WM JR CO COM 982526105 742 13,200 SH OTHER 12,200 1,000
WYETH COM 983024100 11,718 257,258 SH DEFINED 241,008 2,600 13,650
WYETH COM 983024100 4,334 95,150 SH OTHER 83,213 10,827 1,110
XTO ENERGY INC COM 98385X106 306 15,240 SH DEFINED 14,132 900 208
XILINX INC COM 983919101 1,377 54,420 SH DEFINED 53,004 1,416
XILINX INC COM 983919101 6 250 SH OTHER 250
XEROX CORP COM 984121103 204 19,217 SH DEFINED 17,645 1,572
YAHOO INC COM 984332106 317 9,701 SH DEFINED 8,851 850
YAHOO INC COM 984332106 46 1,400 SH OTHER 1,400
YUM BRANDS INC COM 988498101 1,442 48,777 SH DEFINED 2,754 46,023
ZIMMER HLDGS INC COM 98956P102 381 8,466 SH DEFINED 7,824 642
ZIMMER HLDGS INC COM 98956P102 127 2,821 SH OTHER 2,430 239 152