UNITED STATES
                  SECURITIES AND EXCHANGE COMMISSION
                        Washington, D.C.  20549

                              FORM 13F

                        FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 12/31/01

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:    PATRICIA P. BALENTINE
Address: BRANCH BANKING AND TRUST COMPANY OF NC
         223 WEST NASH STREET
         WILSON, NC 27894

13F File Number:

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:     PATRICIA P. BALENTINE
Title:    SENIOR VICE PRESIDENT
Phone:    (252) 246-4338
Signature, Place, and Date of Signing:

    PATRICIA P. BALENTINE  WILSON, NC    JANUARY 09, 2002


Report Type (Check only one.):

[ X]        13F HOLDINGS REPORT.

[  ]        13F NOTICE.

[  ]        13F COMBINATION REPORT.





I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.


                          FORM 13F SUMMARY PAGE


Report Summary:

Number of Other Included Managers:       0

Form 13F Information Table Entry Total:      909

Form 13F Information Table Entry Total:     $1,896,893



List of Other Included Managers:

NONE





                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (x$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- --- ---  --- ---- ------- ------------- ------- --------- ------
                                                                                             
AFLAC INC                      COM              001055102     3516   137668 SH       SOLE                   137668
AFLAC INC                      COM              001055102       57     2248 SH       DEFINED                  2248
AES CORP.                      COM              00130H105      393    22171 SH       SOLE                    21371      800
AES CORP.                      COM              00130H105       30     1715 SH       DEFINED                  1715
AOL TIME WARNER                COM              00184A105     9938   310568 SH       SOLE                   306411      725     3432
AOL TIME WARNER                COM              00184A105      389    12164 SH       DEFINED                  9789     1200     1175
AT&T CORPORATION               COM              001957109     9145   483391 SH       SOLE                   475063     2750     5578
AT&T CORPORATION               COM              001957109      997    52707 SH       DEFINED                 43135     4440     5132
AT&T WIRELESS SERVICES, INC.   COM              00209A106     1045    82230 SH       SOLE                    80240      883     1107
AT&T WIRELESS SERVICES, INC.   COM              00209A106      159    12516 SH       DEFINED                 10052     1341     1123
ABBOTT LABORATORIES            COM              002824100     8587   156028 SH       SOLE                   154553              1475
ABBOTT LABORATORIES            COM              002824100      985    17905 SH       DEFINED                  7305     9600     1000
ACTIVISION INC                 COM              004930202      234     9000 SH       SOLE                     9000
ADDY BROTHERS REALTY INC.      COM              005001995      343      500 SH       SOLE                      500
ADOBE SYSTEM INC               COM              00724F101     3293    89878 SH       SOLE                    88978               900
ADOBE SYSTEM INC               COM              00724F101       20      550 SH       DEFINED                   100               450
AEGON N V ORD                  COM              007924103      687    27243 SH       SOLE                    25993     1250
AEGON N V ORD                  COM              007924103      616    24424 SH       DEFINED                 24112      312
AGILENT TECHNOLOGIES           COM              00846U101     3064    93585 SH       SOLE                    93528                57
AGILENT TECHNOLOGIES           COM              00846U101      135     4134 SH       DEFINED                  3858      276
AIR PRODUCTS AND CHEMICALS INC COM              009158106     5720   121330 SH       SOLE                   121330
AIR PRODUCTS AND CHEMICALS INC COM              009158106      391     8300 SH       DEFINED                  7050     1000      250
ALBERTSON'S INC.               COM              013104104      725    23688 SH       SOLE                    23688
ALBERTSON'S INC.               COM              013104104      185     6044 SH       DEFINED                  6044
ALCOA INC                      COM              013817101     1526    40877 SH       SOLE                    38334              2543
ALCOA INC                      COM              013817101       90     2437 SH       DEFINED                  2437
ALLEGHENY ENERGY INC           COM              017361106     3748   107394 SH       SOLE                   105394              2000
ALLEGHENY ENERGY INC           COM              017361106      367    10516 SH       DEFINED                 10516
ALLERGAN INC                   COM              018490102      322     4600 SH       SOLE                     4600
ALLIANCE CAP MANAGEMENT HOLDIN COM              01855A101      325     6500 SH       SOLE                     6500
ALLIANCE DATA SYSTEMS          COM              018581108      201     9400 SH       SOLE                     9400
ALLSTATE CORP                  COM              020002101     3521   106721 SH       SOLE                   104067              2654
ALLSTATE CORP                  COM              020002101      204     6186 SH       DEFINED                  3946     2136      104
ALLTEL CORPORATION             COM              020039103     1494    25291 SH       SOLE                    24960               331
ALLTEL CORPORATION             COM              020039103      110     1862 SH       DEFINED                  1862
AMBAC INC                      COM              023139108      757    13250 SH       SOLE                    13050               200
AMBAC INC                      COM              023139108        5      100 SH       DEFINED                                     100
AMEREN CORPORATION             COM              023608102      475    11244 SH       SOLE                    11244
AMEREN CORPORATION             COM              023608102       39      930 SH       DEFINED                   930
AMERICAN ELECTRIC POWER INC    COM              025537101     2448    55828 SH       SOLE                    53868      560     1400
AMERICAN ELECTRIC POWER INC    COM              025537101      663    15135 SH       DEFINED                 15135
AMERICAN EXPRESS COMPANY       COM              025816109     5727   154586 SH       SOLE                   154037      200      349
AMERICAN EXPRESS COMPANY       COM              025816109       55     1500 SH       DEFINED                  1350               150
AMERICAN EXPRESS CO. CAP TRUST PREFERRED        02583Y205      265    10488 SH       SOLE                    10488
AMERICAN EXPRESS CO. CAP TRUST PREFERRED        02583Y205        7      300 SH       DEFINED                   300
AMERICAN HOME PRODUCTS CORP.   COM              026609107    11849   191086 SH       SOLE                   150264       80    40742
AMERICAN HOME PRODUCTS CORP.   COM              026609107     3223    51976 SH       DEFINED                 40166     8450     3360
AMERICAN INFLATABLES INC       COM              026802108        3    15000 SH       SOLE                    15000
AMERICAN INTERNATIONAL GROUP I COM              026874107    13461   176660 SH       SOLE                   171176     1161     4323
AMERICAN INTERNATIONAL GROUP I COM              026874107     1289    16920 SH       DEFINED                 15302      650      968
AMER WATER WORKS CO.           COM              030411102     1125    26622 SH       SOLE                    26622
AMER WATER WORKS CO.           COM              030411102       16      400 SH       DEFINED                   400
AMGEN INC                      COM              031162100     6285   111163 SH       SOLE                   109398      330     1435
AMGEN INC                      COM              031162100     1024    18116 SH       DEFINED                 14016     4100
AMSOUTH BANCORP                COM              032165102      187     9793 SH       SOLE                     9793
AMSOUTH BANCORP                COM              032165102       50     2619 SH       DEFINED                  2619
ANADARKO PETE CORP.            COM              032511107     4488    84710 SH       SOLE                    81224     3078      408
ANADARKO PETE CORP.            COM              032511107      170     3210 SH       DEFINED                  1573     1362      275
ANHEUSER BUSCH COMPANY INC     COM              035229103     7318   159455 SH       SOLE                   157855      150     1450
ANHEUSER BUSCH COMPANY INC     COM              035229103      677    14771 SH       DEFINED                 11646     2900      225
AON CORPORATION                COM              037389103     3858   110719 SH       SOLE                   110719
AON CORPORATION                COM              037389103      676    19400 SH       DEFINED                 18050              1350
APPLIED BIOSYSTEMS GROUP       COM              038020103      891    25100 SH       SOLE                    24290               810
APPLIED BIOSYSTEMS GROUP       COM              038020103       60     1700 SH       DEFINED                  1700
APPLIED MATERIALS              COM              038222105     1614    35263 SH       SOLE                    33068      200     1995
APPLIED MATERIALS              COM              038222105      386     8450 SH       DEFINED                  7350     1100
ARCHER - DANIELS - MIDLAND CO. COM              039483102     1379   100509 SH       SOLE                    96759              3750
ARCHER - DANIELS - MIDLAND CO. COM              039483102       80     5888 SH       DEFINED                  4313     1575
ASHLAND INC                    COM              044204105     1309    28304 SH       SOLE                    28304
ASHLAND INC                    COM              044204105      252     5455 SH       DEFINED                  5455
AUTOMATIC DATA PROCESSING      COM              053015103     3185    55690 SH       SOLE                    53970              1720
AUTOMATIC DATA PROCESSING      COM              053015103       45      800 SH       DEFINED                   800
AUTOZONE INCORPORATED          COM              053332102      213     3275 SH       SOLE                     3275
AUTOZONE INCORPORATED          COM              053332102       39      600 SH       DEFINED                   600
AVANIR PHARMACEUTICALS-CL A    COM              05348P104      331    76000 SH       SOLE                    76000
AVERY DENNISON CORP.           COM              053611109     1193    20742 SH       SOLE                    20742
AVNET INC                      COM              053807103     3494   129180 SH       SOLE                   128680               500
AVNET INC                      COM              053807103      181     6700 SH       DEFINED                  6700
AVON PRODUCTS INC              COM              054303102     1487    33161 SH       SOLE                    33161
AVON PRODUCTS INC              COM              054303102      178     3975 SH       DEFINED                  3975
BB&T CORPORATION               COM              054937107   196978  5511434 SH       SOLE                  4737805   384314   389315
BB&T CORPORATION               COM              054937107   111023  3106428 SH       DEFINED               1244856  1614236   247336
BB&T CORPORATION               COM              054937107     5842   163478 SH       OTHER                  163478
BP P.L.C.                      COM              055622104    31303   692717 SH       SOLE                   348846    71496   272375
BP P.L.C.                      COM              055622104     1519    33630 SH       DEFINED                 18130    13204     2296
BARNHILL CONTRACTING COMPANY   COM              056002991     1339    20593 SH       SOLE                    20593
BANCO SANTANDER CENT HISPANO S COM              05964H105      111    13464 SH       SOLE                    13464
BANK OF AMERICA CORP           COM              060505104    21935   353223 SH       SOLE                   336761    11155     5307
BANK OF AMERICA CORP           COM              060505104     2807    45212 SH       DEFINED                 38903     3589     2720
BANK OF NEW YORK COMPANY INC   COM              064057102     2353    54313 SH       SOLE                    50033     4280
BANK OF NEW YORK COMPANY INC   COM              064057102      233     5380 SH       DEFINED                  5380
BANK ONE CAP I  8.00%          PREFERRED        06421B202      212     8075 SH       SOLE                     8075
BANK ONE CAP I  8.00%          PREFERRED        06421B202       26     1000 SH       DEFINED                  1000
BANK ONE CORPORATION           COM              06423A103     4046   105960 SH       SOLE                    76544    29416
BANK ONE CORPORATION           COM              06423A103      182     4782 SH       DEFINED                  4782
BANK AMERICA CAPITAL IV        PREFERRED        066044207      248     9886 SH       SOLE                     9886
BANK AMERICA CAPITAL IV        PREFERRED        066044207       85     3400 SH       DEFINED                  2500      900
BASSETT FURNITURE              COM              070203104     2516   168911 SH       SOLE                   158755     4687     5469
BASSETT FURNITURE              COM              070203104      318    21359 SH       DEFINED                  5570     5000    10789
BASSETT MIRROR CO              COM              070991534      243    28590 SH       SOLE                    28590
BASSETT MIRROR CO              COM              070991534      139    16405 SH       DEFINED                          14760     1645
BAXTER INTERNATIONAL INC       COM              071813109     3428    65954 SH       SOLE                    46852             19102
BAXTER INTERNATIONAL INC       COM              071813109      661    12725 SH       DEFINED                 12475               250
BEACH FIRST NATIONAL BANCSHARE COM              073334104      191    19000 SH       SOLE                    19000
BECTON DICKINSON & CO.         COM              075887109     1490    45920 SH       SOLE                    45920
BECTON DICKINSON & CO.         COM              075887109       94     2900 SH       DEFINED                  2900
BELK INC                       COM              077831998       10    20921 SH       SOLE                    20921
BP PLC ORD USDO .25            COM              079805909       83    15484 SH       SOLE                    15484
BELLSOUTH CORPORATION          COM              079860102    16860   428812 SH       SOLE                   423478              5334
BELLSOUTH CORPORATION          COM              079860102     2080    52923 SH       DEFINED                 43010     7198     2715
BENCHMARK BANKSHARES INC       COM              08160E108      386    39244 SH       SOLE                    39244
BERKSHIRE HATHAWAY INC DEL     COM              084670108      861       12 SH       SOLE                       12
BERKSHIRE HATHAWAY INC DEL CLA COM              084670207      279      117 SH       SOLE                      117
BERKSHIRE HATHAWAY INC DEL CLA COM              084670207       71       30 SH       DEFINED                    30
BEST BUY INC.                  COM              086516101      842    11275 SH       SOLE                    10575      175      525
BEST BUY INC.                  COM              086516101       87     1175 SH       DEFINED                  1175
BIOGEN N.V.                    COM              090597105      268     4750 SH       SOLE                     4750
BIOGEN N.V.                    COM              090597105       14      250 SH       DEFINED                   250
BIOMET INC.                    COM              090613100      436    14526 SH       SOLE                    14526
BIOTECH HOLDERS TR             COM              09067D201     1039     8085 SH       SOLE                     8085
BLACK & DECKER                 COM              091797100      476    12750 SH       SOLE                    11825               925
BLACK & DECKER                 COM              091797100      150     4025 SH       DEFINED                  4025
H & R BLOCK INC                COM              093671105      206     4700 SH       SOLE                     4700
THE BOEING COMPANY             COM              097023105     1417    35143 SH       SOLE                    32143     3000
THE BOEING COMPANY             COM              097023105       89     2230 SH       DEFINED                  2200       30
BRISTOL MYERS SQUIBB CO.       COM              110122108    23070   467017 SH       SOLE                   462591      285     4141
BRISTOL MYERS SQUIBB CO.       COM              110122108     4716    95483 SH       DEFINED                 88223     3410     3850
BURLINGTON NORTHERN SANTA FE C COM              12189T104     1398    48300 SH       SOLE                    23496             24804
BURLINGTON NORTHERN SANTA FE C COM              12189T104      146     5077 SH       DEFINED                  2461     2616
BURLINGTON RESOURCES INC       COM              122014103      634    17763 SH       SOLE                     3352             14411
CIGNA                          COM              125509109     4596    50507 SH       SOLE                    49968               539
CIGNA                          COM              125509109      110     1210 SH       DEFINED                  1110               100
CNB FINANCIAL SERVICES, INC.   COM              12613N103      776     7920 SH       SOLE                     7920
CSX CORPORATION                COM              126408103     4887   129276 SH       SOLE                   118870     9606      800
CSX CORPORATION                COM              126408103      141     3741 SH       DEFINED                  3741
CVS CORP                       COM              126650100     1130    38285 SH       SOLE                    34935              3350
CVS CORP                       COM              126650100      157     5325 SH       DEFINED                  4100      800      425
CALPINE CORP                   COM              131347106      548    33039 SH       SOLE                    30434      375     2230
CALPINE CORP                   COM              131347106       47     2860 SH       DEFINED                  2460      400
CAPITAL ONE FINANCIAL CORP     COM              14040H105     2209    40603 SH       SOLE                    40603
CAPITAL ONE FINANCIAL CORP     COM              14040H105       48      883 SH       DEFINED                   883
CARDINAL HEALTH INC            COM              14149Y108     4087    65581 SH       SOLE                    60787              4794
CARDINAL HEALTH INC            COM              14149Y108      489     7850 SH       DEFINED                  6800      850      200
CATERPILLAR TRACTOR COMPANY    COM              149123101      576    11235 SH       SOLE                    10510      225      500
CATERPILLAR TRACTOR COMPANY    COM              149123101      196     3825 SH       DEFINED                  2325     1500
CHEVRON TEXACO CORP            COM              166764100    17038   189206 SH       SOLE                   187942      200     1064
CHEVRON TEXACO CORP            COM              166764100     2873    31909 SH       DEFINED                 25689     6070      150
CHUBB CORPORATION              COM              171232101      195     2925 SH       SOLE                     2925
CHUBB CORPORATION              COM              171232101       40      600 SH       DEFINED                   600
CIENA CORP                     COM              171779101      275    17550 SH       SOLE                    17550
CIENA CORP                     COM              171779101        3      200 SH       DEFINED                   200
CINERGY CORP                   COM              172474108      283     8659 SH       SOLE                     6659              2000
CINERGY CORP                   COM              172474108       74     2275 SH       DEFINED                                    2275
CIRCUIT CITY STORES INC-       COM              172737108      217     7350 SH       SOLE                     7350
CISCO SYSTEMS                  COM              17275R102     7990   381417 SH       SOLE                   373474              7943
CISCO SYSTEMS                  COM              17275R102     1158    55312 SH       DEFINED                 46412     3200     5700
CINTAS CORPORATION             COM              172908105     9523   190665 SH       SOLE                   190665
CITIGROUP INC                  COM              172967101    19134   386551 SH       SOLE                   376304     5640     4607
CITIGROUP INC                  COM              172967101     1576    31856 SH       DEFINED                 27762     3229      865
CITY HOLDING                   COM              177835105      876    62584 SH       SOLE                    62584
CLAYTON HOMES                  COM              184190106      331    19965 SH       SOLE                    19965
CLAYTON HOMES                  COM              184190106        4      250 SH       DEFINED                   250
CLEAR CHANNEL COMMUNICATIONS   COM              184502102      507     9895 SH       SOLE                     9895
CLOROX CO.                     COM              189054109      604    15450 SH       SOLE                    15450
CLOROX CO.                     COM              189054109      130     3348 SH       DEFINED                  3348
COCA COLA BOTTLING CO CONSOLID COM              191098102      231     5816 SH       SOLE                     5816
COCA COLA COMPANY              COM              191216100    21556   482792 SH       SOLE                   434155             48637
COCA COLA COMPANY              COM              191216100     2142    47980 SH       DEFINED                 42199     5381      400
COASTAL LUMBER CO              COM              194000998     2295  2295528 SH       DEFINED                        2295528
COLGATE PALMOLIVE COMPANY      COM              194162103     1995    35626 SH       SOLE                    34626              1000
COLGATE PALMOLIVE COMPANY      COM              194162103       28      500 SH       DEFINED                   200      300
COMCAST CORP.                  COM              200300101     1469    39980 SH       SOLE                    39980
COMCAST CORP.                  COM              200300101        3      100 SH       DEFINED                   100
COMCAST CORP CLASS A SPECIAL C COM              200300200      665    18096 SH       SOLE                    16471              1625
COMCAST CORP CLASS A SPECIAL C COM              200300200       11      300 SH       DEFINED                   300
COMPAQ COMPUTER CORPORATION    COM              204493100      277    24600 SH       SOLE                    24600
COMPAQ COMPUTER CORPORATION    COM              204493100      107     9555 SH       DEFINED                  4555     5000
COMPASS BANCSHARES             COM              20449H109      442    15500 SH       SOLE                    15500
COMPUTER ASSOCIATES INTL. INC. COM              204912109     1080    29452 SH       SOLE                    28952               500
COMPUTER ASSOCIATES INTL. INC. COM              204912109       38     1062 SH       DEFINED                   862      200
COMPUTER SCIENCES CORPORATION  COM              205363104     1013    20405 SH       SOLE                    20405
COMPUTER SCIENCES CORPORATION  COM              205363104       59     1200 SH       DEFINED                  1200
CONEXANT SYSTEMS INC           COM              207142100      181    13004 SH       SOLE                    13004
CONEXANT SYSTEMS INC           COM              207142100       54     3900 SH       DEFINED                  3500      400
CONOCO INC.                    COM              208251504     1719    61817 SH       SOLE                    61817
CONOCO INC.                    COM              208251504      203     7327 SH       DEFINED                  6599               728
THE CROSLAND GROUP INC         COM              209000991       18    32113 SH       SOLE                    32113
THE CROSLAND GROUP INC         COM              209002997        1  3179187 SH       SOLE                  3179187
CONSOLIDATED EDISON CO NYC INC PREFERRED        209111848      167     6700 SH       SOLE                     6700
CONSOLIDATED EDISON CO NYC INC PREFERRED        209111848       62     2500 SH       DEFINED                  2500
CONSOLIDATED EDISON INC        COM              209115104      426    10494 SH       SOLE                    10494
CONSOLIDATED EDISON INC        COM              209115104       65     1600 SH       DEFINED                  1600
CONSTELLATION ENERGY GROUP     COM              210371100     1028    38602 SH       SOLE                    38602
CONSTELLATION ENERGY GROUP     COM              210371100      466    17526 SH       DEFINED                 17526
CORNING INC                    COM              219350105     1666   159033 SH       SOLE                   151024       80     7929
CORNING INC                    COM              219350105      209    19985 SH       DEFINED                 19010      400      575
COSTCO WHOLESALE CORP          COM              22160K105      250     5643 SH       SOLE                     2235     3408
COX COMMUNICATIONS INC NEW     COM              224044107     2336    58825 SH       SOLE                    58825
CRANE CO.                      COM              224399105      286    11097 SH       SOLE                    11097
CROWN CORK & SEAL COMPANY INC  COM              228255105       47    10900 SH       SOLE                    10900
DPL INCORPORATED               COM              233293109      265    10952 SH       SOLE                    10952
DTE ENERGY CO FKA DETROIT EDIS COM              233331107      238     5857 SH       SOLE                     5636      221
DANA CORPORATION COMMON        COM              235811106      903    62752 SH       SOLE                    62752
DANA CORPORATION COMMON        COM              235811106       59     4157 SH       DEFINED                  4157
DATASTREAM SYSTEMS INC         COM              238124101      804   129172 SH       SOLE                   129172
DEERE & COMPANY                COM              244199105      359     8172 SH       SOLE                     8172
DEERE & COMPANY                COM              244199105        8      200 SH       DEFINED                   200
DELL COMPUTER CORP             COM              247025109     1970    66478 SH       SOLE                    62587              3891
DELL COMPUTER CORP             COM              247025109      137     4625 SH       DEFINED                  3025     1600
DELPHI AUTO SYS CORP           COM              247126105      133     9584 SH       SOLE                     9375      209
DELPHI AUTO SYS CORP           COM              247126105       50     3597 SH       DEFINED                  3318      279
DIEBOLD INC                    COM              253651103      172     4100 SH       SOLE                     3750               350
DIEBOLD INC                    COM              253651103      148     3543 SH       DEFINED                  3343      200
DIMON INC                      COM              254394109      147    18750 SH       SOLE                    18750
WALT DISNEY PRODUCTIONS        COM              254687106    11323   496861 SH       SOLE                   493816              3045
WALT DISNEY PRODUCTIONS        COM              254687106      434    19070 SH       DEFINED                 16683     1000     1387
DOMINION RESOURCES INC/VA      COM              25746U109     3838    64666 SH       SOLE                    62504      213     1949
DOMINION RESOURCES INC/VA      COM              25746U109      975    16434 SH       DEFINED                  9911     3373     3150
R.R. DONNELLEY & SONS          COM              257867101      254     8560 SH       SOLE                     8560
DOW CHEMICAL                   COM              260543103     3311    95528 SH       SOLE                    93748      450     1330
DOW CHEMICAL                   COM              260543103      282     8140 SH       DEFINED                  7890      250
V M DRAPER MANUFACTURING    CO COM              261000996       52    43265 SH       SOLE                    43265
E. I. DUPONT DE NEMOURS COMPAN COM              263534109     9524   215493 SH       SOLE                   213343      650     1500
E. I. DUPONT DE NEMOURS COMPAN COM              263534109     1592    36030 SH       DEFINED                 25583     7100     3347
DUFF AND PHELPS SELECTED UTILI COM              264324104      131    11986 SH       SOLE                    11986
DUFF AND PHELPS SELECTED UTILI COM              264324104       39     3587 SH       DEFINED                  3587
DUKE CAP FING TR I             PREFERRED        264393208      216     8400 SH       SOLE                     8400
DUKE ENERGY CAPITAL TR I       PREFERRED        264396201      273    10800 SH       SOLE                    10800
DUKE ENERGY CAPITAL TR I       PREFERRED        264396201       20      800 SH       DEFINED                   800
DUKE ENERGY CORP               COM              264399106    15775   411579 SH       SOLE                   397497     4240     9842
DUKE ENERGY CORP               COM              264399106     1077    28113 SH       DEFINED                 25305     1738     1070
DUKE ENERGY CAPITAL TR         PREFERRED        26439G209      223     8700 SH       SOLE                     8700
DUKE ENERGY CAPITAL TR         PREFERRED        26439G209      111     4350 SH       DEFINED                  3350              1000
EMC CORPORATION                COM              268648102     2041   119387 SH       SOLE                   115299      870     3218
EMC CORPORATION                COM              268648102      104     6120 SH       DEFINED                  5920      200
EOG RESOURCES INC              COM              26875P101     1460    38717 SH       SOLE                    37717              1000
EMENDORFER & MARKS INC         COM              2740009A8       50   374892 SH       SOLE                   374892
ENTERPRISE HEALTH-LK           COM              274005990       90    20000 SH       SOLE                    20000
EASTMAN KODAK COMPANY          COM              277461109      677    23474 SH       SOLE                    23474
EASTMAN KODAK COMPANY          COM              277461109       71     2468 SH       DEFINED                  1962      400      106
EAT AT JOES LTD             CO COM              277849105        0    15000 SH       DEFINED                 15000
EBAY INC                       COM              278642103      371     5500 SH       SOLE                     5500
ECONOMY TANK CO. 7% CUM. PFD   PREFERRED        279920367      290     2907 SH       DEFINED                  2907
EDISON INTL                    COM              281020107      135     8913 SH       SOLE                     8913
EDISON INTL                    COM              281020107       91     6000 SH       DEFINED                  6000
A.G. EDWARD INC                COM              281760108     3102    69562 SH       SOLE                    69562
A.G. EDWARD INC                COM              281760108      140     3150 SH       DEFINED                  3150
EL PASO CORPORATION            COM              28336L109     1728    38750 SH       SOLE                    31852              6898
EL PASO CORPORATION            COM              28336L109       73     1638 SH       DEFINED                  1638
ELECTRONIC ARTS INC            COM              285512109      404     6895 SH       SOLE                     5695              1200
ELECTRONIC ARTS INC            COM              285512109       70     1200 SH       DEFINED                   400      800
ELECTRONIC DATA SYS CORP       COM              285661104     7633   115699 SH       SOLE                   114818      100      781
ELECTRONIC DATA SYS CORP       COM              285661104      201     3050 SH       DEFINED                  2625      150      275
EMERSON ELECTRIC COMPANY       COM              291011104     7972   137911 SH       SOLE                   137246       75      590
EMERSON ELECTRIC COMPANY       COM              291011104      344     5966 SH       DEFINED                  4866     1100
ENCOMPASS SERVICES CORP        COM              29255U104      387   146277 SH       SOLE                   146277
ENERGIZER HOLDINGS INC         COM              29266R108       64     3394 SH       SOLE                     3394
ENERGIZER HOLDINGS INC         COM              29266R108      162     8547 SH       DEFINED                  8547
ENRON CORPORATION              COM              293561106       47    64700 SH       SOLE                    64550               150
ENRON CORPORATION              COM              293561106       17    23425 SH       DEFINED                 23425
ENTERGY CORP                   COM              29364G103      421    10715 SH       SOLE                    10715
ENTERGY CORP                   COM              29364G103       21      557 SH       DEFINED                   557
EPRISE CORP                 CO COM              294352109       37    24787 SH       SOLE                    24787
EPRISE CORP                 CO COM              294352109        1      856 SH       DEFINED                   856
EQUITABLE RESOURCES INC        COM              294549100      722    22950 SH       SOLE                    22950
ERICSSON (LM) ADR              COM              294821400     1249   228878 SH       SOLE                   228878
ERICSSON (LM) ADR              COM              294821400        3      600 SH       DEFINED                   600
EXELON CORPORATEION            COM              30161N101      295     6245 SH       SOLE                     6245
EXELON CORPORATEION            COM              30161N101       24      528 SH       DEFINED                   528
EXXON MOBIL CORPORATION        COM              30231G102    51137  1288100 SH       SOLE                  1243938    29290    14872
EXXON MOBIL CORPORATION        COM              30231G102     9337   235205 SH       DEFINED                210443    21976     2786
F&M BANCORP MD                 COM              302367107     1124    43579 SH       SOLE                    43579
F&M BANCORP MD                 COM              302367107      199     7715 SH       DEFINED                  7715
FMC CORPORATION                COM              302491303      780    22942 SH       SOLE                    22822      120
FPL GROUP                      COM              302571104     5255    94525 SH       SOLE                    92709              1816
FPL GROUP                      COM              302571104      305     5499 SH       DEFINED                  3499     2000
FIRST MCMINNVILLE CORPORATION  COM              305000994      733     9420 SH       SOLE                     9420
FAMILY DOLLAR STORES           COM              307000109      187     6196 SH       SOLE                     6196
FAMILY DOLLAR STORES           COM              307000109       55     1850 SH       DEFINED                  1850
FREEMAN GAS & ELEC             COM              307002998        0    12190 SH       SOLE                    12190
FARMERS & MERCHANTS BANK OF    COM              30776*109      245     5109 SH       DEFINED                                    5109
FARMERS CAPITAL BANK CORP      COM              309562106      298     8200 SH       SOLE                     8200
FEDERAL HOME LOAN MORTGAGE     COM              313400301      433     6878 SH       SOLE                     6378               500
FEDERAL HOME LOAN MORTGAGE     COM              313400301       42      675 SH       DEFINED                   675
FREDDIE MAC PREFERRED          PREFERRED        313400731      504    10000 SH       SOLE                    10000
FREDDIE MAC                    PREFERRED        313400855      219     4800 SH       SOLE                                       4800
FEDERAL NATIONAL MORTGAGE      COM              313586109    11157   147230 SH       SOLE                   145627     1000      603
FEDERAL NATIONAL MORTGAGE      COM              313586109      955    12606 SH       DEFINED                 12031      400      175
FEDEX CORPORATION              COM              31428X106     3365    61209 SH       SOLE                    61109               100
FEDEX CORPORATION              COM              31428X106       26      480 SH       DEFINED                   480
FIFTH THIRD BANCORP            COM              316773100     5187    84043 SH       SOLE                    84043
FIRST BANCORP                  COM              318910106      284    12733 SH       SOLE                    12733
FIRST BANCORP                  COM              318910106       44     1994 SH       DEFINED                  1994
FIRST CHARTER CORPORATION      COM              319439105      525    30320 SH       SOLE                    30320
FIRST CHARTER CORPORATION      COM              319439105       19     1144 SH       DEFINED                                    1144
FIRST CITIZENS BANCORPORATION  COM              319460101      307     1042 SH       SOLE                      882               160
FIRST CITIZENS BANCSHARES INC  COM              31946M103     1986    20226 SH       SOLE                    10406              9820
FIRST CITIZENS BANCSHARES INC  COM              31946M202      480     5400 SH       SOLE                     2937              2463
FIRST COMMONWEALTH CORP        COM              319828208      209     1309 SH       SOLE                     1309
FIRST COMMUNITY BANCSHARES     COM              31983A103      255     8541 SH       SOLE                     8541
FIRST DATA CORPORATION         COM              319963104     2166    27714 SH       SOLE                    27364               350
FIRST DATA CORPORATION         COM              319963104      359     4600 SH       DEFINED                  4600
FIRST FINL HLDS INC            COM              320239106      569    22339 SH       SOLE                    22339
FIRST FINL HLDS INC            COM              320239106       28     1120 SH       DEFINED                  1120
FIRST PL FINL CORP DEL         COM              33610T109      183    11425 SH       SOLE                    11425
FIRST SUN SOUTH CORPORATION    COM              337127104        0    15160 SH       SOLE                    15160
FIRST VIRGINIA BANKS           COM              337477103     1216    24099 SH       SOLE                    24099
FIRST VIRGINIA BANKS           COM              337477103      185     3683 SH       DEFINED                  3683
FISERV                         COM              337738108     1121    26600 SH       SOLE                    26025               575
FIRST ENERGY CORP              COM              337932107      358    10446 SH       SOLE                     9946               500
FIRST ENERGY CORP              COM              337932107       15      462 SH       DEFINED                   462
FLEETBOSTON FINANCIAL CORP     COM              339030108      879    25428 SH       SOLE                    23928              1500
FLEETBOSTON FINANCIAL CORP     COM              339030108       71     2068 SH       DEFINED                  1150               918
FLOWERS FOOD INC WI            COM              343498101     3523   140780 SH       SOLE                   140780
FORD MOTOR COMPANY             COM              345370860     4618   278874 SH       SOLE                   277062      800     1012
FORD MOTOR COMPANY             COM              345370860      507    30624 SH       DEFINED                 28676      900     1048
FOREST LABS                    COM              345838106      184     2300 SH       SOLE                     2300
FOREST LABS                    COM              345838106      308     3850 SH       DEFINED                  3850
FORTUNE BRANDS INC             COM              349631101      923    23543 SH       SOLE                    21233     1600      710
FORTUNE BRANDS INC             COM              349631101      312     7960 SH       DEFINED                  7560      400
FRANCISCAN OIL CO              COM              35183P109        1    15000 SH       SOLE                    15000
FRANKLIN RESOURCES INC         COM              354613101      980    27083 SH       SOLE                    26408               675
FRANKLIN RESOURCES INC         COM              354613101       18      500 SH       DEFINED                   500
GABELLI EQUITY TR 7.25% PFD    PREFERRED        362397309      260    10200 SH       SOLE                    10200
GALLAGHER ARTHUR J             COM              363576109      785    25164 SH       SOLE                    25164
GALLAHER GROUP PLC             COM              363595109      377    14532 SH       SOLE                    12932     1600
GALLAHER GROUP PLC             COM              363595109      183     7060 SH       DEFINED                  7060
GANNETT COMPANY INC            COM              364730101     7497   108960 SH       SOLE                   107710              1250
GANNETT COMPANY INC            COM              364730101      325     4725 SH       DEFINED                  4025      700
THE GAP INC                    COM              364760108      944    63139 SH       SOLE                    61664              1475
THE GAP INC                    COM              364760108        2      165 SH       DEFINED                   165
GAYLORD CONTAINER CORP         COM              368145108        5    10350 SH       SOLE                    10350
GENENTECH,INC                  COM              368710406      246     4570 SH       SOLE                     4570
GENENTECH,INC                  COM              368710406       27      500 SH       DEFINED                   500
GENERAL DYNAMICS               COM              369550108     1390    16914 SH       SOLE                    16125               789
GENERAL DYNAMICS               COM              369550108      151     1840 SH       DEFINED                  1265      500       75
GENERAL ELECTRIC COMPANY       COM              369604103    58540  1502970 SH       SOLE                  1458893    28195    15882
GENERAL ELECTRIC COMPANY       COM              369604103     9123   234230 SH       DEFINED                213527    15300     5403
GABRIEL                        COM              370001992      413   203457 SH       SOLE                   203457
GABRIEL PFD C-2                CONV PFD         370002990      363   110239 SH       SOLE                   110239
GABRIEL PFD C-2                CONV PFD         370002990        0      227 SH       DEFINED                   227
GABRIEL PFD C-1                CONV PFD         370003998      376   175798 SH       SOLE                   175798
GABRIEL PFD C-1                CONV PFD         370003998       10     4778 SH       DEFINED                  4778
GENERAL MILLS INC              COM              370334104     1495    30300 SH       SOLE                    30300
GENERAL MOTORS CORP.           COM              370442105     1076    21627 SH       SOLE                    21327      300
GENERAL MOTORS CORP.           COM              370442105      328     6593 SH       DEFINED                  6193      400
GENERAL MOTORS CORP            COM              370442832      239    14115 SH       SOLE                    14115
GENERAL MOTORS CORP            COM              370442832        5      300 SH       DEFINED                   300
GENUINE PARTS COMPANY COMMON   COM              372460105      242     6725 SH       SOLE                     6725
GENUINE PARTS COMPANY COMMON   COM              372460105       36     1000 SH       DEFINED                  1000
GILLETTE COMPANY               COM              375766102     3575   109307 SH       SOLE                   108472      200      635
GILLETTE COMPANY               COM              375766102      321     9830 SH       DEFINED                  9480      350
GLAXO WELLCOME PLC             COM              37733W105     1732    35228 SH       SOLE                    31704     2186     1338
GLAXO WELLCOME PLC             COM              37733W105       11      229 SH       DEFINED                   229
GLOBAL IMAGING SYSTEMS         COM              37934A100      650    32500 SH       SOLE                    32500
B. F. GOODRICH                 COM              382388106      242     9200 SH       SOLE                     9200
B. F. GOODRICH                 COM              382388106        5      200 SH       DEFINED                   200
GOODYEAR TIRE & RUBBER CO.     COM              382550101      832    33976 SH       SOLE                    32772     1204
GRAND METROPOLITAN DEL L P     PREFERRED        386087209      451    16480 SH       SOLE                    16480
GRAND METROPOLITAN DEL L P     PREFERRED        386087209       60     2200 SH       DEFINED                  2200
GREENBRIAR CORPORATION         COM              393648100       40   267449 SH       SOLE                   200000             67449
HCA INC.                       COM              404119109     1822    46645 SH       SOLE                    44990              1655
HCA INC.                       COM              404119109      185     4756 SH       DEFINED                  4406               350
HALLIBURTON COMPANY            COM              406216101      129    11798 SH       SOLE                    11798
HALLIBURTON COMPANY            COM              406216101       14     1350 SH       DEFINED                  1350
HARLEY-DAVIDSON INC.           COM              412822108     1190    22262 SH       SOLE                    22262
HARLEY-DAVIDSON INC.           COM              412822108       10      200 SH       DEFINED                   200
HARMONIC INC                   COM              413160102      239    18912 SH       SOLE                    18912
HARRAH'S ENTERTAINMENT INC     COM              413619107      200     5124 SH       SOLE                     5124
HARRAH'S ENTERTAINMENT INC     COM              413619107        9      253 SH       DEFINED                   253
HARRIS CORPORATION             COM              413875105     2208    71905 SH       SOLE                    71905
HARRIS CORPORATION             COM              413875105       12      400 SH       DEFINED                   400
HARTFORD FINL SVCS GROUP INC   COM              416515104     8048   134122 SH       SOLE                   132622              1500
HARTFORD FINL SVCS GROUP INC   COM              416515104     3937    65612 SH       DEFINED                 57950     7462      200
HEALTHSOUTH CORP               COM              421924101      137     9921 SH       SOLE                     9921
HEALTHSOUTH CORP               COM              421924101       18     1338 SH       DEFINED                  1338
H. J. HEINZ COMPANY            COM              423074103     1721    42572 SH       SOLE                    42572
H. J. HEINZ COMPANY            COM              423074103      224     5550 SH       DEFINED                  5250      300
HENRY COUNTY PLYWOOD           COM              426650107       36    13026 SH       SOLE                    12643               383
HENRY COUNTY PLYWOOD           COM              426650107        4     1534 SH       DEFINED                   383     1151
HERSHEY FOODS                  COM              427866108      432     6420 SH       SOLE                     6420
HERSHEY FOODS                  COM              427866108      267     3970 SH       DEFINED                  2770      600      600
HEWLETT PACKARD COMPANY        COM              428236103     7626   334810 SH       SOLE                   332060      335     2415
HEWLETT PACKARD COMPANY        COM              428236103      509    22386 SH       DEFINED                 21486      900
HIGH SPEED NET SOLUTIONS, INC. COM              429793102    13140  7382293 SH       SOLE                  7382293
HILLENBRAND IND INC            COM              431573104     1219    22733 SH       SOLE                     6633             16100
HILLENBRAND IND INC            COM              431573104       26      500 SH       DEFINED                   500
HOME DEPOT INC                 COM              437076102    13028   254953 SH       SOLE                   253385              1568
HOME DEPOT INC                 COM              437076102     1475    28879 SH       DEFINED                 27754      900      225
HOMEGOLD FINL INC           CO COM              43740E104       26    58782 SH       SOLE                    58782
HONEYWELL INTERNATIONAL INC    COM              438516106     2107    61978 SH       SOLE                    58688      120     3170
HONEYWELL INTERNATIONAL INC    COM              438516106      232     6826 SH       DEFINED                  6826
HOOKER FURNITURE CORPORATION   COM              439038100    10173  1099825 SH       SOLE                   213404   448981   437440
HOOKER FURNITURE CORPORATION   COM              439038100     3730   403260 SH       DEFINED                 54699   348561
HOSPITALITY PPTYS TR           COM              44106M102      196     6600 SH       SOLE                     6600
HOSPITALITY PPTYS TR           COM              44106M102       11      400 SH       DEFINED                                     400
HOST MARRIOTT CORP NEW         COM              44107P104      128    13246 SH       SOLE                    13246
HOT TOPIC INC                  COM              441339108      234     7000 SH       SOLE                     7000
HOUSEHOLD CAP TR IV 7.25% PFD  PREFERRED        44180R209      215     8800 SH       SOLE                     8800
HOUSEHOLD INTERNATIONAL INC    COM              441815107     3765    66358 SH       SOLE                     3595             62763
HOUSEHOLD INTERNATIONAL INC    COM              441815107     2904    51186 SH       DEFINED                   919             50267
HUNTINGTON BANCSHARES INC      COM              446150104     1615    91071 SH       SOLE                    53529    37542
HUNTINGTON BANCSHARES INC      COM              446150104      104     5872 SH       DEFINED                  5872
IONOSPHERE INC                 COM              447000993        1   113250 SH       SOLE                   113250
IONOSPHERE PFD B               CONV PFD         447001991      280    93339 SH       SOLE                    93339
IONOSPHERE PFD D-1             COM              447004995      116   116255 SH       SOLE                   116255
IBASIS INC                     COM              450732102       32    19413 SH       SOLE                    19413
ITT INDUSTRIES INC             COM              450911102     4789    95605 SH       SOLE                    95605
ITT INDUSTRIES INC             COM              450911102     1861    37146 SH       DEFINED                 33415     3731
ILLINOIS TOOL WORKS            COM              452308109     4997    73710 SH       SOLE                    73210               500
ILLINOIS TOOL WORKS            COM              452308109       88     1310 SH       DEFINED                  1210      100
INTEL                          COM              458140100    22642   636376 SH       SOLE                   628626     1800     5950
INTEL                          COM              458140100     2169    60988 SH       DEFINED                 53588     4400     3000
INTERNATIONAL BUSINESS MACHINE COM              459200101    25260   202569 SH       SOLE                   200351      475     1743
INTERNATIONAL BUSINESS MACHINE COM              459200101     3722    29848 SH       DEFINED                 25737     4036       75
INTERNATIONAL PAPER COMPANY    COM              460146103      767    18570 SH       SOLE                    18570
INTERNATIONAL PAPER COMPANY    COM              460146103       78     1902 SH       DEFINED                  1702      200
INTERPUBLIC GROUP              COM              460690100      464    16061 SH       SOLE                    16061
INTERPUBLIC GROUP              COM              460690100       34     1200 SH       DEFINED                  1200
INTUIT INC                     COM              461202103      498    12000 SH       SOLE                    12000
INVESTORS TITLE COMPANY        COM              461804106      196    12408 SH       SOLE                    12408
CEF ISHARES TR S&P             COM              464287804      176     1500 SH       SOLE                     1500
CEF ISHARES TR S&P             COM              464287804       35      300 SH       DEFINED                   300
IVILLAGE INC                CO COM              46588H105       49    24987 SH       SOLE                    24987
JDS UNIPHASE CORP              COM              46612J101      119    12402 SH       SOLE                    10763              1639
JDS UNIPHASE CORP              COM              46612J101       15     1650 SH       DEFINED                  1150      500
J P MORGAN CHASE & CO          COM              46625H100     9417   243972 SH       SOLE                   240788     1700     1484
J P MORGAN CHASE & CO          COM              46625H100      642    16645 SH       DEFINED                 14683              1962
HOLSTON VALLEY DISTRIBUTING CO COM              472990431      566       84 SH       SOLE                       84
HOLSTON VALLEY DISTRIBUTING CO COM              472990431      539       80 SH       DEFINED                    80
JEFFERSON PILOT FINANCIAL      COM              475070108    20888   454897 SH       SOLE                   454897
JEFFERSON PILOT FINANCIAL      COM              475070108     6577   143249 SH       DEFINED                143249
JOHNSON & JOHNSON              COM              478160104    34234   595483 SH       SOLE                   576715      160    18608
JOHNSON & JOHNSON              COM              478160104     2885    50193 SH       DEFINED                 46718     3200      275
JOHNSON CONTROLS INC           COM              478366107      571     7129 SH       SOLE                     7129
KLA-TENCOR CORP                COM              482480100      266     4640 SH       SOLE                     4640
KERR MCGEE CORP                COM              492386107      689    12783 SH       SOLE                    10699     2084
KERR MCGEE CORP                COM              492386107       48      900 SH       DEFINED                   900
KEYCORP NEW                    COM              493267108      214     8724 SH       SOLE                     8724
KIMBERLY-CLARK CORP.           COM              494368103     8969   156570 SH       SOLE                   152552     1358     2660
KIMBERLY-CLARK CORP.           COM              494368103      509     8891 SH       DEFINED                  7791      800      300
KINDER MORGAN ENERGY PARTNERS  COM              494550106      312     8092 SH       SOLE                     8092
KING PHARMACEUTICUALS INC      COM              495582108      797    19665 SH       SOLE                    19665
KNIGHT RIDDER                  COM              499040103      695    10621 SH       SOLE                    10621
KOHLS CORP                     COM              500255104      252     3617 SH       SOLE                     3617
KOHLS CORP                     COM              500255104      103     1475 SH       DEFINED                  1475
KRAFT FOODS INC-A              COM              50075N104      268     8032 SH       SOLE                     8032
KRAFT FOODS INC-A              COM              50075N104       13      400 SH       DEFINED                   400
KRISPY KREME DOUGHNUTS INC     COM              501014104     3987    90840 SH       SOLE                     5840             85000
KROGER COMPANY COMMON          COM              501044101     1060    52100 SH       SOLE                    49808              2292
KROGER COMPANY COMMON          COM              501044101      133     6562 SH       DEFINED                  6562
LA Z BOY INC                   COM              505336107      283    13000 SH       SOLE                    13000
LA Z BOY INC                   COM              505336107       26     1200 SH       DEFINED                  1200
LANCE INC                      COM              514606102      201    13628 SH       SOLE                    13628
LANCE INC                      COM              514606102        1      120 SH       DEFINED                            120
LONG BRANCH CORP               COM              518994157       17    13750 SH       SOLE                    13750
LEGG MASON INC                 COM              524901105      256     5050 SH       SOLE                     5050
LEHMAN BROTHER HOLDINGS SERIES PREFERRED        524908704      204     4800 SH       SOLE                                       4800
LEXMARK INTERNATIONAL, INC     COM              529771107      337     5750 SH       SOLE                     5750
LIBERTY CORPORATION            COM              530370105     1914    46045 SH       SOLE                    43045     3000
LIBERTY CORPORATION            COM              530370105      174     4188 SH       DEFINED                  3500      688
LIBERTY MEDIA CORP.            COM              530718105      505    34249 SH       SOLE                    32224     1500      525
LIBERTY MEDIA CORP.            COM              530718105       61     4200 SH       DEFINED                  4200
LIGHTPATH TECHNOLOGIES INC - A COM              532257102      228    65400 SH       SOLE                    65400
ELI LILLY & COMPANY            COM              532457108     2591    34253 SH       SOLE                    33453      550      250
ELI LILLY & COMPANY            COM              532457108      287     3800 SH       DEFINED                  3000               800
LIMITED, INC                   COM              532716107      228    14200 SH       SOLE                    14200
LINCOLN NATIONAL CORP.         COM              534187109     4681    94671 SH       SOLE                    93671              1000
LINEAR TECHNOLOGY CORP         COM              535678106      580    13850 SH       SOLE                    13850
LINEAR TECHNOLOGY CORP         COM              535678106       16      400 SH       DEFINED                   400
LOCKHEED MARTIN CORP           COM              539830109     4968   104277 SH       SOLE                   104277
LOCKHEED MARTIN CORP           COM              539830109      126     2652 SH       DEFINED                  2652
LOWE'S COMPANIES INC           COM              548661107     8753   197943 SH       SOLE                   191505              6438
LOWE'S COMPANIES INC           COM              548661107      512    11600 SH       DEFINED                 10700      900
LUCENT TECHNOLOGIES            COM              549463107     1357   188821 SH       SOLE                   183337     2544     2940
LUCENT TECHNOLOGIES            COM              549463107      136    18999 SH       DEFINED                 18141      858
M&T BK CORP COM                PREFERRED        55261F104      275     3712 SH       SOLE                     3712
M&T BK CORP COM                PREFERRED        55261F104       55      743 SH       DEFINED                   743
MBNA CORP                      COM              55262L100     1100    30571 SH       SOLE                    30571
MBNA CORP                      COM              55262L100      111     3095 SH       DEFINED                  3095
MFS MULTIMARKET                COM              552737108       34     5700 SH       SOLE                     5700
MFS MULTIMARKET                COM              552737108       60    10000 SH       DEFINED                 10000
MSDW CAP TR I                  PREFERRED        553538208      386    15350 SH       SOLE                    15350
MSDW CAP TR I                  PREFERRED        553538208       75     3000 SH       DEFINED                  3000
MANULIFE FINL CORP             COM              56501R106      906    34091 SH       SOLE                    34091
MANULIFE FINL CORP             COM              56501R106       11      437 SH       DEFINED                   437
MARSH & MCLENNAN COMPANIES INC COM              571748102     1383    13600 SH       SOLE                    12730               870
MARSH & MCLENNAN COMPANIES INC COM              571748102       61      600 SH       DEFINED                   600
MARRIOTT INTERNATIONAL INC     COM              571903202      606    14793 SH       SOLE                    14793
MARRIOTT INTERNATIONAL INC     COM              571903202       59     1450 SH       DEFINED                  1450
MARTIN MARIETTA MATLS          COM              573284106      362     7719 SH       SOLE                     4519              3200
MASCO CORPORATION              COM              574599106      808    31942 SH       SOLE                    29542              2400
MASCO CORPORATION              COM              574599106      128     5075 SH       DEFINED                  5075
MAY DEPARTMENT STORES          COM              577778103     3924   105959 SH       SOLE                   105959
MAY DEPARTMENT STORES          COM              577778103       89     2405 SH       DEFINED                  2405
MBT FINANCIAL CORP             COM              578877102      367    27136 SH       SOLE                    27136
MCCORMICK AND COMPANY INC      COM              579780206      256     6100 SH       SOLE                     6100
MCCORMICK AND COMPANY INC      COM              579780206       10      250 SH       DEFINED                   250
MCDONALDS CORP.                COM              580135101     3264   119310 SH       SOLE                   118710               600
MCDONALDS CORP.                COM              580135101      744    27213 SH       DEFINED                 24838     2200      175
MCGRAW HILL COMPANIES INC      COM              580645109     1420    23475 SH       SOLE                    23475
MCGRAW HILL COMPANIES INC      COM              580645109       24      400 SH       DEFINED                   400
MCRAE INDUSTRIES INC           COM              582757209     1801   346393 SH       SOLE                   346393
MCRAE INDUSTRIES INC           COM              582757308      501    94532 SH       SOLE                    94532
MEAD CORPORATION               COM              582834107      788    24813 SH       SOLE                     8813    16000
MEAD CORPORATION               COM              582834107      869    27362 SH       DEFINED                 26362     1000
MEDISYS TECHNOLOGIES INC       COM              584953103        1    20000 SH       SOLE                    20000
MEDTRONIC INC                  COM              585055106     7325   150702 SH       SOLE                   149163      350     1189
MEDTRONIC INC                  COM              585055106      577    11888 SH       DEFINED                 11088      800
MELLON FINL CORP               COM              58551A108     2076    52052 SH       SOLE                    50692              1360
MELLON FINL CORP               COM              58551A108       57     1440 SH       DEFINED                  1440
MERCANTILE BANKSHARES CORP     COM              587405101     1409    32008 SH       SOLE                    32008
MERCANTILE BANKSHARES CORP     COM              587405101       28      650 SH       DEFINED                   650
MERCK & CO INC                 COM              589331107    22699   386508 SH       SOLE                   382285      300     3923
MERCK & CO INC                 COM              589331107     7059   120197 SH       DEFINED                107777    10820     1600
MERRILL LYNCH PREFERRED CAP TR PREFERRED        589977206     1142    42800 SH       SOLE                    42800
MERRILL LYNCH PREFERRED CAP TR PREFERRED        589977206      416    15600 SH       DEFINED                 14600              1000
MERRILL LYNCH & COMPANY INC    COM              590188108     4385    77697 SH       SOLE                    76366      200     1131
MERRILL LYNCH & COMPANY INC    COM              590188108      307     5440 SH       DEFINED                  5440
MERRILL LYNCH & CO INC         PREFERRED        590188819      708    24310 SH       SOLE                    23310              1000
MERRILL LYNCH & CO INC         PREFERRED        590188819       14      500 SH       DEFINED                   500
MERRILL LYNCH CAPITAL 8.00% PF PREFERRED        59021C203      221     8200 SH       SOLE                     8200
MERRILL LYNCH 7.00% PFD        PREFERRED        59021F206      878    34915 SH       SOLE                    34915
MERRILL LYNCH CAP TR IV 7.12%  PREFERRED        59021G204      313    12400 SH       SOLE                    12400
MERRILL LYNCH CAPITAL TRUST    PREFERRED        59021K205      337    13200 SH       SOLE                    13200
MERRILL LYNCH CAPITAL TRUST    PREFERRED        59021K205       60     2385 SH       DEFINED                  2385
MICROSOFT CORP                 COM              594918104    29079   419137 SH       SOLE                   384805     2300    32032
MICROSOFT CORP                 COM              594918104     2410    34739 SH       DEFINED                 33339     1000      400
S & P 400 MID-CAP DEP RECPT    COM              595635103     1344    14290 SH       SOLE                    13790               500
MINNESOTA MINING AND           COM              604059105     2917    25362 SH       SOLE                    25187       55      120
MINNESOTA MINING AND           COM              604059105      892     7760 SH       DEFINED                  4110     3650
MIRANT CORP                    COM              604675108      269    17353 SH       SOLE                    15461     1892
MIRANT CORP                    COM              604675108       30     1946 SH       DEFINED                  1946
MOBILEMEDIA CORP CLASS A       COM              607415106        0    15000 SH       SOLE                    15000
MONTANA POWER COMPANY          COM              612085100      213    38800 SH       SOLE                    38800
MONTANA POWER COMPANY          COM              612085100        3      600 SH       DEFINED                   600
MORGAN STANLEY DEAN WITTER     COM              617446448     4278    73828 SH       SOLE                    70078              3750
MORGAN STANLEY DEAN WITTER     COM              617446448      651    11240 SH       DEFINED                  7332     2408     1500
MOTOROLA  CAP TR I 6.68     6. PREFERRED        620074203      474    22100 SH       SOLE                    22100
MOTOROLA INC                   COM              620076109     3926   265321 SH       SOLE                   252071      585    12665
MOTOROLA INC                   COM              620076109      307    20800 SH       DEFINED                 18650     2150
MYLAN LABORATORIES             COM              628530107     2886    80664 SH       SOLE                    80664
NB CAPITAL TRUST               PREFERRED        628956203      201     8050 SH       SOLE                     8050
NASDAQ-100 SHARES              COM              631100104      920    22185 SH       SOLE                    22185
NASDAQ-100 SHARES              COM              631100104      207     5000 SH       DEFINED                  5000
NASH FINCH CO                  COM              631158102      608    20000 SH       SOLE                    20000
NATIONAL CITY                  COM              635405103      280     9627 SH       SOLE                     9527               100
NATIONAL CITY                  COM              635405103       33     1160 SH       DEFINED                                    1160
NATIONAL COMM FINL CORP        COM              63545P104      967    37458 SH       SOLE                    34518              2940
NATIONAL COMM FINL CORP        COM              63545P104       28     1119 SH       DEFINED                  1119
NATIONAL FUEL GAS COMPANY      COM              636180101      366    14830 SH       SOLE                    14830
NATIONAL FUEL GAS COMPANY      COM              636180101       21      880 SH       DEFINED                   880
NATIONAL RURAL UTILITIES       PREFERRED        637432402      250    10000 SH       SOLE                    10000
NATIONWIDE FINANCIAL SVCS      PREFERRED        63861E204      302    12100 SH       SOLE                    12100
NUVOX SERIES D CONVERTIBLE     CONV PFD         640003992      163   109090 SH       SOLE                   109090
NUVOX SERIES D CONVERTIBLE     CONV PFD         640003992        1     1129 SH       DEFINED                  1129
NUVOX SERIES D CONVERTIBLE     COM              640004990        0   110665 SH       SOLE                   110665
NUVOX SERIES D CONVERTIBLE     COM              640004990        0     1129 SH       DEFINED                  1129
NESTLE SA ADR                  COM              641069406      240     4550 SH       SOLE                     4550
NESTLE SA ADR                  COM              641069406       52     1000 SH       DEFINED                                    1000
NEWELL RUBBERMAID INC          COM              651229106     2594    94814 SH       SOLE                    94814
NEWELL RUBBERMAID INC          COM              651229106       55     2036 SH       DEFINED                  1036     1000
NEWS CORP LTD                  PREFERRED        652487802     4089   152611 SH       SOLE                   152611
NEWS CORP LTD                  PREFERRED        652487802      100     3736 SH       DEFINED                  3736
NEXTEL COMMUNICATIONS INC      COM              65332V103      353    33653 SH       SOLE                    33653
NEXTEL COMMUNICATIONS INC      COM              65332V103       17     1698 SH       DEFINED                  1698
NICOR INC                      COM              654086107     3122    75527 SH       SOLE                    75527
NICOR INC                      COM              654086107      148     3590 SH       DEFINED                  3590
NISOURCE INC                   COM              65473P105      858    36413 SH       SOLE                    33663              2750
NISOURCE INC                   COM              65473P105       12      531 SH       DEFINED                   531
NOKIA CORP                     COM              654902204     2034    85250 SH       SOLE                    84672               578
NOKIA CORP                     COM              654902204      356    14956 SH       DEFINED                 14481               475
NORFOLK SOUTHERN CORPORATION   COM              655844108     3301   165063 SH       SOLE                   124623    19440    21000
NORFOLK SOUTHERN CORPORATION   COM              655844108      152     7620 SH       DEFINED                  6758      862
NORTEL NETWORK CORPORATION     COM              656568102      430    51840 SH       SOLE                    49965              1875
NORTEL NETWORK CORPORATION     COM              656568102       79     9545 SH       DEFINED                  9545
NUCOR CORPORATION              COM              670346105     1493    28091 SH       SOLE                    21035     7056
NUCOR CORPORATION              COM              670346105      152     2876 SH       DEFINED                  2876
NUVEEN PREMIUM INCOME MUNICIPA COM              67062T100        7      500 SH       SOLE                      500
NUVEEN PREMIUM INCOME MUNICIPA COM              67062T100      140    10000 SH       DEFINED                                   10000
ORBIT NETWORK, INC COM         COM              671002996       34    34000 SH       SOLE                    34000
OFFICE DEPOT, INC.             COM              676220106      176    10062 SH       SOLE                    10062
OHIO PWR CO 7.375% PFD         PREFERRED        677415762      273    10900 SH       SOLE                    10900
OMNICOM GROUP                  COM              681919106      335     3718 SH       SOLE                     3718
ORACLE SYS CORP                COM              68389X105     3226   204872 SH       SOLE                   197058      400     7414
ORACLE SYS CORP                COM              68389X105      511    32503 SH       DEFINED                 30403     2100
OUTBACK STEAKHOUSE             COM              689899102      234     6600 SH       SOLE                     6600
PNC BANK CORP                  COM              693475105     4786    79425 SH       SOLE                    79250               175
PNC BANK CORP                  COM              693475105      659    10936 SH       DEFINED                 10936
PPG INDUSTRIES INC             COM              693506107      821    15493 SH       SOLE                    14993               500
PPG INDUSTRIES INC             COM              693506107      797    15050 SH       DEFINED                  4250    10800
PPL CORPORATION                COM              69351T106      240     7340 SH       SOLE                     7340
PPL CORPORATION                COM              69351T106       14      440 SH       DEFINED                   440
PSCA CAP TR PFD 7.6%           PREFERRED        69360R208      379    15200 SH       SOLE                    15200
PLASTIC INDUSTRIES             COM              694998444      762     1842 SH       SOLE                     1842
PANERA BREAD CO                COM              69840W108      353     6500 SH       SOLE                     6500
PARKER HANNIFIN CORP           COM              701094104      612    13122 SH       SOLE                    13122
PARKER HANNIFIN CORP           COM              701094104       51     1100 SH       DEFINED                  1000      100
PAYCHEK INC                    COM              704326107     1012    29310 SH       SOLE                    28897               413
PAYCHEK INC                    COM              704326107       12      362 SH       DEFINED                   362
PEOPLES BANCORPORATION INCORPO COM              709792105      605    43251 SH       SOLE                     3094             40157
PEPSICO INC                    COM              713448108    17974   376045 SH       SOLE                   367325              8720
PEPSICO INC                    COM              713448108     2907    60822 SH       DEFINED                 53777     6045     1000
PERFORMANCE FOOD GROUP         COM              713755106      207     6000 SH       SOLE                     6000
PERMA-FIX ENVIRONMENTAL     SE COM              714157104      137    47000 SH       SOLE                    47000
PFIZER INC                     COM              717081103    21763   549731 SH       SOLE                   541446      300     7985
PFIZER INC                     COM              717081103     5582   141020 SH       DEFINED                123266    17304      450
PHARMACIA CORPORATION          COM              71713U102     1947    47408 SH       SOLE                    45446     1000      962
PHARMACIA CORPORATION          COM              71713U102      185     4525 SH       DEFINED                  3663      862
PHILIP MORRIS COMPANIES INC.   COM              718154107    15850   335169 SH       SOLE                   322869    11700      600
PHILIP MORRIS COMPANIES INC.   COM              718154107     1292    27326 SH       DEFINED                 18626     8700
PHILLIPS PETROLEUM COMPANY     COM              718507106     7724   129816 SH       SOLE                   128886               930
PHILLIPS PETROLEUM COMPANY     COM              718507106      314     5292 SH       DEFINED                  2325      182     2785
PIEDMONT NATURAL GAS COMPANY   COM              720186105     3076    89302 SH       SOLE                    82862     6440
PIEDMONT NATURAL GAS COMPANY   COM              720186105       23      694 SH       DEFINED                            694
PITNEY BOWES INC               COM              724479100     1195    30065 SH       SOLE                    29107               958
PITNEY BOWES INC               COM              724479100      333     8391 SH       DEFINED                  8391
POWER PLANT CONSTRUCTORS INC   COM              729001990       33    25000 SH       SOLE                    25000
PLUMA INC                      COM              729272104        0    21716 SH       DEFINED                  3092    18624
POTOMAC ELECTRIC POWER         COM              737679100      528    23832 SH       SOLE                    23832
POTOMAC ELECTRIC POWER         COM              737679100      105     4760 SH       DEFINED                  4060      700
PRAXAIR INC                    COM              74005P104      291     5325 SH       SOLE                     5325
PRAXAIR INC                    COM              74005P104       21      400 SH       DEFINED                   400
PROCTER AND GAMBLE             COM              742718109    12133   156040 SH       SOLE                   155307               733
PROCTER AND GAMBLE             COM              742718109     1944    25008 SH       DEFINED                 17658     6850      500
PROGRESS ENERGY, INC           COM              743263105     4676   104941 SH       SOLE                   104341               600
PROGRESS ENERGY, INC           COM              743263105      411     9236 SH       DEFINED                  6335              2901
PROVIDENT BANKSHARES CORP      COM              743859100      264    10588 SH       SOLE                    10588
PROVIDENT BANKSHARES CORP      COM              743859100       66     2674 SH       DEFINED                  2674
PROVIDIAN FINANCIAL CORP       COM              74406A102       98    28080 SH       SOLE                    25680     2400
PROVIDIAN FINANCIAL CORP       COM              74406A102      126    36058 SH       DEFINED                 35510      548
PUBLIC SERVICE ENTERPRISE GROU COM              744573106      478    11717 SH       SOLE                    11717
PUBLIC SERVICE ENTERPRISE GROU COM              744573106       59     1445 SH       DEFINED                  1445
QUALCOMM INC                   COM              747525103      824    17111 SH       SOLE                    17111
QUALCOMM INC                   COM              747525103       57     1200 SH       DEFINED                   900      300
QUESTAR CORPORATION            COM              748356102       20      800 SH       SOLE                      800
QUESTAR CORPORATION            COM              748356102      235     9400 SH       DEFINED                  9400
QWEST COMMUNICATIONS INTL INC. COM              749121109      735    50499 SH       SOLE                    48667              1832
QWEST COMMUNICATIONS INTL INC. COM              749121109      129     8905 SH       DEFINED                  4878      296     3731
RENFRO CORPORATION             COM              751994153      689     5563 SH       SOLE                     5563
RENFRO CORPORATION             COM              751994153        1        9 SH       DEFINED                     8        1
RAYONIER INC                   COM              754907103     1046    21034 SH       SOLE                    21034
RAYONIER INC                   COM              754907103      305     6151 SH       DEFINED                  6151
RAYTHEON COMPANY               COM              755111507      787    24564 SH       SOLE                    24564
RAYTHEON COMPANY               COM              755111507       31      988 SH       DEFINED                   963       25
REGIONS FINANCIAL CORP         COM              758940100      347    11490 SH       SOLE                    11490
RELIANT ENERGY INCORPORATED    COM              75952J108      279    10567 SH       SOLE                    10567
REXCOM SYSTEMS CORP            COM              761672203        0    25000 SH       SOLE                    25000
RIGHTCHOICE MANAGED CARE INC C COM              76657T102      387     5500 SH       SOLE                     5500
ROCKWELL INTL(NEW)             COM              773903109      334    17744 SH       SOLE                    17744
ROCKWELL INTL(NEW)             COM              773903109       64     3400 SH       DEFINED                  3000      400
ROCKWELL COLLINS INC.          COM              774341101      299    15744 SH       SOLE                    15744
ROCKWELL COLLINS INC.          COM              774341101       64     3400 SH       DEFINED                  3000      400
ROHM & HAAS CO                 COM              775371107      245     6551 SH       SOLE                     6514                37
ROHM & HAAS CO                 COM              775371107       67     1800 SH       DEFINED                  1800
ROYAL BK CDA MONTREAL QUE      COM              780087102     1157    35720 SH       SOLE                    35720
ROYAL BK CDA MONTREAL QUE      COM              780087102      158     4892 SH       DEFINED                  4892
ROYAL DUTCH PETROLEUM CO       COM              780257804     3915    80960 SH       SOLE                    80151               809
ROYAL DUTCH PETROLEUM CO       COM              780257804      840    17382 SH       DEFINED                 15782              1600
RUBY TUESDAY INC               COM              781182100      257    11340 SH       SOLE                    11340
RUSCO INDS INC              CO COM              781768106        0    15000 SH       SOLE                    15000
RYAN'S FAMILY STEAK HOUSES, IN COM              783519101      320    13825 SH       SOLE                    13825
SBC COMMUNICATIONS INC         COM              78387G103    17091   430088 SH       SOLE                   421834      428     7826
SBC COMMUNICATIONS INC         COM              78387G103     2150    54110 SH       DEFINED                 45923     2837     5350
SBA COMMUNICATIONS CORP        COM              78388J106      410    31236 SH       SOLE                    31236
SEI INVESTMENTS COMPANY        COM              784117103      584    13836 SH       SOLE                    13400               436
SHC BLOCKING CORP              COM              78422Q108      195    24375 SH       SOLE                    24375
S & P 500 DEPOSITARY RECEIPT   COM              78462F103      539     4633 SH       SOLE                     4633
SAFECO CORPORATION             COM              786429100      419    13880 SH       SOLE                    13880
SAFECO CORPORATION             COM              786429100        9      300 SH       DEFINED                   300
SAFEWAY INC                    COM              786514208      765    19080 SH       SOLE                    19080
SAFEWAY INC                    COM              786514208        7      178 SH       DEFINED                   178
ST PAUL COMPANIES INC          COM              792860108     3944    92987 SH       SOLE                    92512      140      335
ST PAUL COMPANIES INC          COM              792860108       57     1358 SH       DEFINED                  1358
NUVOX WARRANTS                 COM              797001997        0    20613 SH       SOLE                    20613
NUVOX WARRANTS                 COM              797001997        0       30 SH       DEFINED                    30
SANDY SPRING BANCORP INC    CO COM              800363103      259     8581 SH       SOLE                     8581
SARA LEE CORPORATION           COM              803111103     5129   237390 SH       SOLE                   234840      285     2265
SARA LEE CORPORATION           COM              803111103      312    14479 SH       DEFINED                 14479
SCANA CORP NEW                 COM              80589M102     7886   287296 SH       SOLE                   283249     3684      363
SCANA CORP NEW                 COM              80589M102      723    26365 SH       DEFINED                 21565     4600      200
SCANSOURCE INC                 COM              806037107     2966    59035 SH       SOLE                    59035
SCANSOURCE INC                 COM              806037107       10      200 SH       DEFINED                   200
SCHERING-PLOUGH CORP.          COM              806605101    12245   355655 SH       SOLE                   353521      500     1634
SCHERING-PLOUGH CORP.          COM              806605101      844    24532 SH       DEFINED                 24532
SCHLUMBERGER LTD               COM              806857108     5230    98473 SH       SOLE                    95879       60     2534
SCHLUMBERGER LTD               COM              806857108      562    10591 SH       DEFINED                  9041     1550
SCHWAB CHARLES CORP            COM              808513105     1527    89635 SH       SOLE                    87650              1985
SCHWAB CHARLES CORP            COM              808513105      232    13625 SH       DEFINED                 13625
SCIENTIFIC ATLANTA INC         COM              808655104      646    24045 SH       SOLE                    24045
SCIENTIFIC ATLANTA INC         COM              808655104        5      200 SH       DEFINED                   200
SCOTTISH PWR PLC               COM              81013T705      226    10141 SH       SOLE                    10141
SEARS ROEBUCK AND COMPANY      COM              812387108      737    14641 SH       SOLE                    14141               500
SEARS ROEBUCK AND COMPANY      COM              812387108      120     2400 SH       DEFINED                  1300     1100
SEARS ROEBUCK ACCEP CORP 7% PF PREFERRED        812404200      357    14300 SH       SOLE                    14300
AMEX TECHNOLOGY SELECT SECTOR  COM              81369Y803      487    18925 SH       SOLE                    17925              1000
AMEX TECHNOLOGY SELECT SECTOR  COM              81369Y803        5      200 SH       DEFINED                   200
SEMPRA ENERGY                  COM              816851109      362    14434 SH       SOLE                    14434
SEMPRA ENERGY                  COM              816851109        9      384 SH       DEFINED                   384
SERVICE MASTER CO              COM              81760N109      139    10040 SH       SOLE                    10040
SERVICE MASTER CO              COM              81760N109        3      225 SH       DEFINED                   225
SHERWIN-WILLIAMS COMPANY       COM              824348106      602    22000 SH       SOLE                    22000
SIEBEL SYSTEMS                 COM              826170102     1321    39680 SH       SOLE                    38555              1125
SIEBEL SYSTEMS                 COM              826170102       96     2900 SH       DEFINED                  2900
SIGMA ALDRICH CORP.            COM              826552101      139     3400 SH       SOLE                     3400
SIGMA ALDRICH CORP.            COM              826552101      131     3200 SH       DEFINED                  3200
SNAP-ON TOOLS CORPORATION      COM              833034101      348    10599 SH       SOLE                    10599
SNAP-ON TOOLS CORPORATION      COM              833034101       32     1000 SH       DEFINED                  1000
SOLECTRON CORP.                COM              834182107      263    21975 SH       SOLE                    20575      700      700
SOLECTRON CORP.                COM              834182107       60     5075 SH       DEFINED                  5075
SONOCO PRODUCTS COMPANY        COM              835495102     5359   196609 SH       SOLE                   185873    10736
SONOCO PRODUCTS COMPANY        COM              835495102      153     5620 SH       DEFINED                  5620
SOUTH FINANCIAL GROUP, INC.    COM              837841105      910    49229 SH       SOLE                    49229
SOUTH FINANCIAL GROUP, INC.    COM              837841105       15      840 SH       DEFINED                   840
SOUTHERN COMPANY               COM              842587107     1587    64285 SH       SOLE                    59540     4745
SOUTHERN COMPANY               COM              842587107      224     9100 SH       DEFINED                  8900               200
SOUTHERN CO CAP TR PFD SECS 7. PREFERRED        842636201      287    11500 SH       SOLE                    11500
SOUTHERN CO CAP TR PFD SECS 7. PREFERRED        842636201       10      400 SH       DEFINED                   400
SOUTHTRUST CORP.               COM              844730101      505    21232 SH       SOLE                    21232
SOUTHTRUST CORP.               COM              844730101      302    12700 SH       DEFINED                 12700
SOUTHWEST AIRLINES             COM              844741108      734    38946 SH       SOLE                    27707             11239
SOUTHWEST AIRLINES             COM              844741108      138     7350 SH       DEFINED                  5950     1400
SOVRAN SELF STORAGE INC        COM              84610H108      662    22000 SH       SOLE                    22000
SOVRAN SELF STORAGE INC        COM              84610H108       15      500 SH       DEFINED                   500
SPRINT CORPORATION FON GROUP   COM              852061100     5684   283212 SH       SOLE                   280612      270     2330
SPRINT CORPORATION FON GROUP   COM              852061100      461    22982 SH       DEFINED                 22632      350
SPRINT CORP PCS                COM              852061506     1552    73520 SH       SOLE                    72226              1294
SPRINT CORP PCS                COM              852061506      182     8664 SH       DEFINED                  8664
STARI, LTD                     COM              854902103        0    50000 SH       SOLE                    50000
STAPLES INC                    COM              855030102      250    14157 SH       SOLE                    14157
STAPLES INC                    COM              855030102       31     1775 SH       DEFINED                  1775
STANLEY LAND & LUMBER CORPORAT COM              856991534      224       30 SH       DEFINED                    30
STATE STREET CORP              COM              857477103     1445    26546 SH       SOLE                    26496                50
STATE STREET CORP              COM              857477103       87     1600 SH       DEFINED                   400              1200
STRATEGIC HOTEL CAP            COM              862723996      322    26459 SH       SOLE                    26459
SUMMIT FINANCIAL CORPORATION   COM              866057102      473    47385 SH       SOLE                    47385
SUN MICROSYSTEMS INC           COM              866810104     2628   188720 SH       SOLE                   184605              4115
SUN MICROSYSTEMS INC           COM              866810104      155    11180 SH       DEFINED                 10380      800
SUNTRUST BANKS INC             COM              867914103    10597   173762 SH       SOLE                   166250     3617     3895
SUNTRUST BANKS INC             COM              867914103     1405    23052 SH       DEFINED                 22538      314      200
SUPER VALU INC                 COM              868536103     2528   115196 SH       SOLE                   115196
SUPER VALU INC                 COM              868536103       13      600 SH       DEFINED                   600
SYNOVUS FINANCIAL CORP         COM              87161C105     1744    68526 SH       SOLE                    68526
SYNOVUS FINANCIAL CORP         COM              87161C105       81     3213 SH       DEFINED                  3213
SYSCO CORPORATION              COM              871829107     1621    63385 SH       SOLE                    62885               500
SYSCO CORPORATION              COM              871829107      542    21200 SH       DEFINED                 20800      400
10 BEST.COM                    COM              872002993      207    69674 SH       SOLE                    66000     3674
TECO ENERGY INC                COM              872375100      584    22190 SH       SOLE                    22190
TECO ENERGY INC                COM              872375100      126     4800 SH       DEFINED                  4800
TJX COMPANIES                  COM              872540109     1092    27155 SH       SOLE                    27155
TJX COMPANIES                  COM              872540109       17      425 SH       DEFINED                   300               125
TRW INC.                       COM              872649108      164     4500 SH       SOLE                     4500
TRW INC.                       COM              872649108       56     1550 SH       DEFINED                  1550
TXU CORP                       COM              873168108     5730   123015 SH       SOLE                   121915              1100
TXU CORP                       COM              873168108      348     7490 SH       DEFINED                  6815      400      275
TALK AMERICA HOLDINGS INC      COM              87426R103        8    17383 SH       SOLE                    17383
TARGET CORP COM                COM              87612E106     9425   226527 SH       SOLE                   223600              2927
TARGET CORP COM                COM              87612E106      907    21810 SH       DEFINED                 20385     1150      275
TEKTRONIX                      COM              879131100      558    22525 SH       SOLE                    22525
TEKTRONIX                      COM              879131100       36     1475 SH       DEFINED                  1475
TEMPLETON GLOBAL INCOME FUND,  COM              880198106       67    10483 SH       SOLE                    10483
TEMPLETON GLOBAL INCOME FUND,  COM              880198106       18     2914 SH       DEFINED                  2914
TENNESSEE VALLEY AUTH POWER SE PREFERRED        880591300     1963    75765 SH       SOLE                    75765
TENNESSEE VALLEY AUTH POWER SE PREFERRED        880591300       64     2500 SH       DEFINED                  2500
TENNESSEE VALLEY AUTH 6.50% PF PREFERRED        880591409      325    12400 SH       SOLE                    12400
TEXAS INSTRUMENTS              COM              882508104     3183   109785 SH       SOLE                   107352      400     2033
TEXAS INSTRUMENTS              COM              882508104      224     7725 SH       DEFINED                  7425      300
TEXTRON INC                    COM              883203101      501    11590 SH       SOLE                    11590
TEXTRON INC                    COM              883203101       35      828 SH       DEFINED                   828
THE TIMKEN COMPANY             COM              887389104      238    14555 SH       SOLE                    14555
TORCH MARK CORPORATION         COM              891027104     2009    52500 SH       SOLE                    52500
TOTAL SYSTEM SERVICES, INC.    COM              891906109      483    23050 SH       SOLE                    23050
TOYS R US                      COM              892335100      380    17098 SH       SOLE                    17098
TRANSATLANTIC HOLDINGS INC     COM              893521104      189     2137 SH       SOLE                     2137
TRANSATLANTIC HOLDINGS INC     COM              893521104      199     2250 SH       DEFINED                  2250
TRANSCANADA PIPELINES LTD      PREFERRED        893526723      512    20000 SH       SOLE                    20000
TRANSAMERICA FINANCE CORP      PREFERRED        893950204      226     9000 SH       SOLE                     9000
TRICON GLOBAL RESTAURANTS INC  COM              895953107      284     5375 SH       SOLE                     5375
TRICON GLOBAL RESTAURANTS INC  COM              895953107       66     1254 SH       DEFINED                   918      336
TRIBUNE CO.                    COM              896047107     1427    37300 SH       SOLE                    37300
TRIBUNE CO.                    COM              896047107      229     6000 SH       DEFINED                  6000
TYCO INTERNATIONAL LTD         COM              902124106    15659   286545 SH       SOLE                   282406      800     3339
TYCO INTERNATIONAL LTD         COM              902124106     1544    28265 SH       DEFINED                 27365      500      400
USX-MARATHON GROUP             COM              902905827      745    24884 SH       SOLE                    23876              1008
USX-MARATHON GROUP             COM              902905827       83     2800 SH       DEFINED                  2000      800
US BANCORP                     COM              902973304     4508   215313 SH       SOLE                   211161     1836     2316
US BANCORP                     COM              902973304       25     1228 SH       DEFINED                   778               450
USB CAPITAL II     PFD         PREFERRED        90332M200      230     9200 SH       SOLE                     9200
USA EDUCATION INC              PREFERRED        90390U102     2344    29246 SH       SOLE                    29246
USA EDUCATION INC SERIES A @ 6 PREFERRED        90390U201      203     4000 SH       SOLE                                       4000
UNILEVER N V NY SHS NEW F      COM              904784709      389     7008 SH       SOLE                     7008
UNILEVER N V NY SHS NEW F      COM              904784709       25      457 SH       DEFINED                   457
UNION PACIFIC CORP.            COM              907818108     1701    28709 SH       SOLE                    20658     8000       51
UNION PACIFIC CORP.            COM              907818108      124     2100 SH       DEFINED                  1300      800
UNITED BANKSHARE, INC.         COM              909907107     3155   107746 SH       SOLE                    81236    26510
UNITED BANKSHARE, INC.         COM              909907107     1843    62926 SH       DEFINED                  5000     7750    50176
UNITED PARCEL SERVICES B       COM              911312106      410     7172 SH       SOLE                     6917               255
UNITED PARCEL SERVICES B       COM              911312106       24      425 SH       DEFINED                   425
UNITED TECHNOLOGIES            COM              913017109     4319    66624 SH       SOLE                    64387              2237
UNITED TECHNOLOGIES            COM              913017109      316     4880 SH       DEFINED                  4505               375
UNITED HEALTH GROUP INC        COM              91324P102     1111    16030 SH       SOLE                    16030
UNIVERSAL CORP. VA             COM              913456109      213     5735 SH       SOLE                     5735
UNOCAL CORPORATION             COM              915289102      312     8964 SH       SOLE                     8964
UNOCAL CORPORATION             COM              915289102       34     1000 SH       DEFINED                  1000
UNUMPROVIDENT CORP             COM              91529Y106      882    32499 SH       SOLE                    17585    14914
V F CORP                       COM              918204108     2890    70740 SH       SOLE                    70040      210      490
V F CORP                       COM              918204108       81     2000 SH       DEFINED                  2000
VIRTUAL EYES, INC SERIES A  CO CONV PFD         921001996      140    12988 SH       SOLE                    12988
VIRTUAL EYES, INC SERIES A  CO CONV PFD         921001996       10      928 SH       DEFINED                   928
VIRGINIA MIRROR CO             COM              921994158     4715    35720 SH       SOLE                    35450               270
VIRGINIA MIRROR CO             COM              921994158     1706    12925 SH       DEFINED                          12925
VIRGINIA MIRROR CO             COM              922001995     1261    31690 SH       SOLE                    31690
VERISIGN INC                   COM              92343E102      934    25925 SH       SOLE                    25525               400
VERISIGN INC                   COM              92343E102       96     2675 SH       DEFINED                  2550               125
VERIZON COMMUNICATIONS INC     COM              92343V104    17651   354453 SH       SOLE                   344369     2352     7732
VERIZON COMMUNICATIONS INC     COM              92343V104     2771    55660 SH       DEFINED                 45264     3408     6988
VIACOM INC                     COM              925524100     2314    51336 SH       SOLE                    51136      200
VIACOM INC                     COM              925524100       29      650 SH       DEFINED                   650
VIACOM INC                     COM              925524308     6083   135258 SH       SOLE                   134867               391
VIACOM INC                     COM              925524308      189     4219 SH       DEFINED                  4219
VIRGINIA ELEC & PWR CO 7.15% P PREFERRED        927804617      491    19600 SH       SOLE                    19600
VIVENDI UNIVERSAL              COM              92851S204     3088    58938 SH       SOLE                    19578             39360
VODAFONE GROUP PLC-SP          COM              92857W100     1993    78321 SH       SOLE                    76668      525     1128
VODAFONE GROUP PLC-SP          COM              92857W100      279    10970 SH       DEFINED                 10970
WAGONER'S JEWELERS INC         COM              929001998      360      306 SH       DEFINED                   306
WHOLESALE SUPPLY GROUP, INC    COM              9290019A5      339     4327 SH       SOLE                              4327
VULCAN MATERIALS COMPANY       COM              929160109      284     5975 SH       SOLE                     5975
WACHOVIA CORPORATION           COM              929903102    21379   673575 SH       SOLE                   582219    25472    65884
WACHOVIA CORPORATION           COM              929903102     3861   121656 SH       DEFINED                103099     5357    13200
WACHOVIA DEPS PFD              CONV PFD         929903201        0   183968 SH       SOLE                   166970    16998
WADE MANUFACTURING CO.         COM              929998102      958     3699 SH       SOLE                     3699
WADE MANUFACTURING CO.         COM              929998102       21       84 SH       DEFINED                    84
WAL - MART STORES              COM              931142103     9314   161034 SH       SOLE                   156623     1935     2476
WAL - MART STORES              COM              931142103     1158    20029 SH       DEFINED                 19269      500      260
WALGREENS                      COM              931422109     4013   115435 SH       SOLE                   115360                75
WALGREENS                      COM              931422109      159     4575 SH       DEFINED                  4575
WASHINGTON MUT. INC. COM STOCK COM              939322103      838    24640 SH       SOLE                    22140     1500     1000
WASHINGTON MUT. INC. COM STOCK COM              939322103      216     6354 SH       DEFINED                  3875              2479
WASTE HOLDINGS INC             COM              941057101      573    90286 SH       SOLE                    90286
WEIGHT WATCHERS INTL INC       COM              948626106      676    20000 SH       SOLE                    20000
WELLMAN INC.                   COM              949702104      382    24800 SH       SOLE                    24800
WELLS FARGO & CO NEW           COM              949746101     5931   136002 SH       SOLE                   133972      175     1855
WELLS FARGO & CO NEW           COM              949746101      336     7718 SH       DEFINED                  3904      250     3564
WESBANCO INC                CO COM              950810101      453    20463 SH       SOLE                    20463
WESBANCO INC                CO COM              950810101       66     3010 SH       DEFINED                  3010
WESTVACO CORPORATION           COM              961548104      731    24684 SH       SOLE                    17267     7417
WESTVACO CORPORATION           COM              961548104       22      750 SH       DEFINED                   750
THE WOOD MORTUARY              COM              961998028      205       82 SH       SOLE                       82
WEYERHAEUSER COMPANY           COM              962166104     5735   105648 SH       SOLE                   104925      155      568
WEYERHAEUSER COMPANY           COM              962166104      213     3933 SH       DEFINED                  3933
WHIRLPOOL CORP.                COM              963320106     4332    59751 SH       SOLE                    59226      160      365
WHIRLPOOL CORP.                COM              963320106       40      560 SH       DEFINED                   560
WILLIAMS COMMUNICATION         COM              969455104      117    52569 SH       SOLE                    48973      600     2996
WILLIAMS COMMUNICATION         COM              969455104       11     5096 SH       DEFINED                  5096
WILLIAMS COMPANIES INC         COM              969457100     3865   151783 SH       SOLE                   144949      400     6434
WILLIAMS COMPANIES INC         COM              969457100      258    10155 SH       DEFINED                  9155     1000
WINN-DIXIE STORES INC          COM              974280109      307    22016 SH       SOLE                    17796     4000      220
WINN-DIXIE STORES INC          COM              974280109       22     1610 SH       DEFINED                           1610
WINSTON HOTELS                 COM              97563A102      207    26010 SH       SOLE                    26010
WORLDCOM INC. / WORLDCOM GROUP COM              98157D106     7528   508013 SH       SOLE                   504851              3162
WORLDCOM INC. / WORLDCOM GROUP COM              98157D106      204    13828 SH       DEFINED                 10298     2535      995
WORTHINGTON INDUSTRIES INC     COM              981811102      155    11070 SH       SOLE                    11070
WORTHINGTON INDUSTRIES INC     COM              981811102       30     2193 SH       DEFINED                  2193
W.M WRIGLEY JR. CO             COM              982526105       71     1400 SH       SOLE                     1400
W.M WRIGLEY JR. CO             COM              982526105     2174    42780 SH       DEFINED                 42780
XCEL ENERGY INC                COM              98389B100     1688    60265 SH       SOLE                    58090              2175
XCEL ENERGY INC                COM              98389B100       78     2795 SH       DEFINED                  2795
ZIMMER HOLDINGS INC            COM              98956P102      877    28755 SH       SOLE                    28629       28       98
ZIMMER HOLDINGS INC            COM              98956P102      253     8304 SH       DEFINED                  7923      261      120
ZINGIT INC                     COM              989602107       15    16000 SH       SOLE                    16000
VAUGHAN/BASSETT FURNITURE COMP COM              990003832      296     9872 SH       SOLE                     9872
ACTIV HEALTH INTERNATIONAL     COM              990010274       20    32000 SH       SOLE                    32000
M.H. TOMS INC  -  COMMON STOCK CONV PFD         990016008      500     5000 SH       SOLE                     5000
M.H. TOMS INC  -  COMMON STOCK CONV PFD         990016008        0       32 SH       DEFINED                             32
COGGINS CONSTRUCTION COMPANY   COM              990050577      366     1602 SH       SOLE                     1602
COGGINS CONSTRUCTION COMPANY   COM              990050577      482     2110 SH       DEFINED                                    2110
ADDIS CATES COMPANY INC.       COM              990050635      164    20630 SH       SOLE                    20630
OHERRING PROPERTIES INC.       COM              990080905      631    50000 SH       SOLE                    50000
SOUTHERN GLOVE MANUFACTURING C COM              990083313     2238    44950 SH       SOLE                    44950
LYON COMPANY                   COM              990096810      322     2003 SH       DEFINED                                    2003
CROSLAND INTERESTS, INC        COM              991564022       18   232570 SH       SOLE                   232570
CROSLAND INTERESTS, INC        COM              991564030        1 23024395 SH       SOLE                 23024395
DICKINSON FUEL CO INC CAP STK  COM              CHWV00056      510      552 SH       DEFINED                   552
DINGESS RUM COAL CO COM STK    COM              CHWV00064      113      103 SH       SOLE                       98        5
DINGESS RUM COAL CO COM STK    COM              CHWV00064      236      215 SH       DEFINED                   215
GEARY REALTY CO COM STOCK      COM              CHWV00080      910      250 SH       DEFINED                   250
GEARY SECURITIES CO COM STK    COM              CHWV00098     2640     1100 SH       DEFINED                  1100
PAYNE-GALLATIN MINING CO COM S COM              CHWV00189      216      207 SH       SOLE                      207
PUTNAM BANCSHARES INC          COM              CHWV00221      221     3792 SH       SOLE                     3792
COLES, INC.                    COM              CHWV00361      366      141 SH       SOLE                      141
CRUZE MUSIC COMPANY            COM              CHWV00429      389      400 SH       SOLE                      400
ACME LIMESTONE CO              COM              CHWV00460      469      425 SH       SOLE                      425
HUBBARD PROPERTIES INC         COM              CHWV00601     3091      229 SH       SOLE                      226        3
POCATANICO HILLS, INC          COM              CHWV00635      575       50 SH       DEFINED                    50
RICHWOOD SEWELL COAL CO.       COM              CHWV00643      275       50 SH       DEFINED                    50
BIG MEADOW COMPANY             COM              CHWV00726     1222     3000 SH       DEFINED                  3000
WHITE PINE INC                 COM              CHWV00734      980     3000 SH       DEFINED                  3000
MAPT INC                       COM              CHWV00742     1120      100 SH       DEFINED                   100
FIRST NATL BK OF WILLIAMSON    COM              CHWV00783      312      200 SH       SOLE                      200
UNION BANKSHARES, INC.         COM              CHWV00841      527    16575 SH       SOLE                    16575
LAIRD OFFICE EQUIPMENT CO      COM              CHWV00924      471      666 SH       SOLE                      666
GLOBAL CROSSING LTD.           COM              G3921A100        7    10071 SH       SOLE                    10071
GLOBAL CROSSING LTD.           COM              G3921A100        2     3000 SH       DEFINED                  3000
INGERSOLL RAND COMPANY LIMITED COM              G4776G101     6456   162916 SH       SOLE                   160941              1975
INGERSOLL RAND COMPANY LIMITED COM              G4776G101      301     7240 SH       DEFINED                  6175      700      365
TRANSOCEAN SEDCO FOREX INC     COM              G90078109      387    12200 SH       SOLE                    12161                39
TRANSOCEAN SEDCO FOREX INC     COM              G90078109       45     1423 SH       DEFINED                  1423
PIONEER NATURAL RESOURCES USA  COM              LPMD00158       11    12000 SH       SOLE                    12000
IFCO SYSTEMS NV                COM              N43961106       90   113215 SH       SOLE                   113215