UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Quarter Ended: September 30, 2003
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ]is a restatement
[ ]adds new holdings entries
Institutional Investment Manager Filing this Report:
Name: Regions Financial Corporation
Address: 417 North 20th Street
Birmingham, AL 35202
Form 13F File Number: 28-01129
The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person
signing the report is authorized to submit it, that all
information contained herein is true, correct and complete, and
that it is understood that all required items, statements,
schedules, lists, and tables, are considered integral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Ronald C. Jackson
Title: Senior Vice President and Comptroller
Phone: 205/326-7090
Signature, Place, and Date of Signing:
/s/Ronald C. Jackson Birmingham, Alabama November 13, 2003
[Signature] [City, State] [Date]
Report Type (Check only one.):
[X]13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[ ]13F NOTICE. (Check here if no holdings reported are in this
report, and all holdings are reported by other reporting
manager(s).)
[ ]13F COMBINATION REPORT. (Check here if a portion of the
holdings for this reporting manager are reported in this
report and a portion are reported by other reporting
manager(s).)
List of Other Managers Reporting for this Manager: None
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 716
Form 13F Information Table Value Total: $1,361,528(thousands)
List of Other Included Managers: None
Provide a numbered list of the name(s) and Form 13F file
number(s) of all institutional investment managers with respect
to which this report is filed, other than the manager filing this
report.
Form 13F INFORMATION TABLE
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 8
NAME OF ISSUER TITLE OF CLASS CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT VOTING AUTHORITY
(THOUSANDS) PRN AMT PRN CALL DISCRETION SOLE SHARED NONE
XCELERA INC COM ADR COM G31611109 25 18,036 SH DEFINED 18,036
GLOBALSANTAFE CORPORATION ADR SHS G3930E101 1,559 65,080 SH DEFINED 62,280 2,520 280
GLOBALSANTAFE CORPORATION ADR SHS G3930E101 247 10,330 SH OTHER 4,100 6,230
INGERSOLL-RAND COMPANY LTD CL A G4776G101 3,458 64,708 SH DEFINED 64,066 642
INGERSOLL-RAND COMPANY LTD CL A G4776G101 403 7,544 SH OTHER 6,705 190 649
NABORS INDUSTRIES LTD SHS G6359F103 362 9,706 SH DEFINED 8,205 1,501
NABORS INDUSTRIES LTD SHS G6359F103 15 390 SH OTHER 150 240
FLEXTRONICS INTL ADR ORD Y2573F102 2,102 147,808 SH DEFINED 147,808
FLEXTRONICS INTL ADR ORD Y2573F102 156 11,000 SH OTHER 11,000
ACM GOVT INCOME FD INC COM 000912105 61 7,500 SH DEFINED 7,500
ACM GOVT INCOME FD INC COM 000912105 25 3,074 SH OTHER 2,975 99
AFLAC INC COM 001055102 3,978 123,151 SH DEFINED 120,421 200 2,530
AFLAC INC COM 001055102 1,402 43,420 SH OTHER 37,245 3,090 3,085
AGL RES INC COM 001204106 11 400 SH DEFINED 400
AGL RES INC COM 001204106 413 14,672 SH OTHER 11,700 2,972
AOL TIME WARNER INC COM 00184A105 387 25,599 SH DEFINED 14,014 11,585
AOL TIME WARNER INC COM 00184A105 94 6,231 SH OTHER 5,706 525
AT&T CORP COM NEW 001957505 337 15,655 SH DEFINED 10,615 861 4,179
AT&T CORP COM NEW 001957505 35 1,642 SH OTHER 776 441 425
AT & T WIRELESS SERVICES INC COM 00209A106 118 14,485 SH DEFINED 13,800 685
AT & T WIRELESS SERVICES INC COM 00209A106 32 3,962 SH OTHER 3,284 678
ABBOTT LABORATORIES COM 002824100 6,551 153,950 SH DEFINED 151,270 1,430 1,250
ABBOTT LABORATORIES COM 002824100 1,588 37,315 SH OTHER 22,795 11,320 3,200
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 2,181 78,724 SH DEFINED 76,806 1,918
ABERCROMBIE & FITCH CO CLASS A CL A 002896207 206 7,450 SH OTHER 5,450 2,000
ABERDEEN ASIA PAC PRIME INC COM 003009107 63 11,000 SH DEFINED 11,000
ABERDEEN ASIA PAC PRIME INC COM 003009107 143 25,000 SH OTHER 25,000
AEGON N V ADR ORD AMER REG 007924103 306 26,157 SH DEFINED 26,157
AEGON N V ADR ORD AMER REG 007924103 274 23,435 SH OTHER 14,812 8,311 312
AFFILIATED COMPUTER SVCS INC CL A 008190100 329 6,762 SH DEFINED 4,704 2,058
AFFILIATED COMPUTER SVCS INC CL A 008190100 10 210 SH OTHER 210
AIR PRODUCTS & CHEMICALS INC COM 009158106 341 7,572 SH DEFINED 6,992 580
AIR PRODUCTS & CHEMICALS INC COM 009158106 48 1,063 SH OTHER 1,063
AKZO NOBEL N. V. ADR SPONSORED ADR 010199305 264 8,461 SH DEFINED 8,461
ALABAMA NATL BANCORP DEL COM 010317105 190 4,000 SH DEFINED 4,000
ALABAMA NATL BANCORP DEL COM 010317105 24 500 SH OTHER 500
ALCOA INC COM 013817101 932 35,611 SH DEFINED 34,137 1,474
ALCOA INC COM 013817101 232 8,871 SH OTHER 7,640 425 806
ALCATEL ADR SPONSORED ADR 013904305 136 11,500 SH DEFINED 10,070 1,430
ALFA CORP COM 015385107 509 40,316 SH DEFINED 40,316
ALFA CORP COM 015385107 18 1,396 SH OTHER 1,396
ALLSTATE CORP COM 020002101 2,547 69,728 SH DEFINED 60,374 2,748 6,606
ALLSTATE CORP COM 020002101 387 10,592 SH OTHER 7,947 2,374 271
ALLTEL CORP COM 020039103 703 15,166 SH DEFINED 14,621 545
ALLTEL CORP COM 020039103 331 7,135 SH OTHER 6,635 500
ALTRIA GROUP INC COM 02209S103 5,525 126,148 SH DEFINED 119,538 3,020 3,590
ALTRIA GROUP INC COM 02209S103 1,998 45,614 SH OTHER 33,422 11,740 452
AMAZON COM INC COM 023135106 392 8,085 SH DEFINED 5,037 3,048
AMERICAN ELECTRIC POWER INC COM 025537101 348 11,593 SH DEFINED 11,593
AMERICAN ELECTRIC POWER INC COM 025537101 11 377 SH OTHER 120 257
AMERICAN EXPRESS CO COM 025816109 5,571 123,643 SH DEFINED 113,410 10,233
AMERICAN EXPRESS CO COM 025816109 2,169 48,134 SH OTHER 43,131 3,985 1,018
AMERICAN INTL GROUP INC COM 026874107 9,931 172,114 SH DEFINED 159,867 830 11,417
AMERICAN INTL GROUP INC COM 026874107 2,386 41,355 SH OTHER 17,212 2,858 21,285
AMGEN INC COM 031162100 6,464 100,190 SH DEFINED 95,431 1,690 3,069
AMGEN INC COM 031162100 1,178 18,265 SH OTHER 9,235 1,803 7,227
AMSOUTH BANCORPORATION COM 032165102 9,234 435,145 SH DEFINED 415,284 19,861
AMSOUTH BANCORPORATION COM 032165102 6,888 324,580 SH OTHER 222,355 13,164 89,061
ANADARKO PETE CORP COM 032511107 1,256 30,069 SH DEFINED 29,429 640
ANADARKO PETE CORP COM 032511107 74 1,777 SH OTHER 1,647 130
ANHEUSER BUSCH COS INC COM 035229103 8,712 176,560 SH DEFINED 176,129 431
ANHEUSER BUSCH COS INC COM 035229103 620 12,574 SH OTHER 9,508 2,870 196
AON CORP COM 037389103 1,012 48,550 SH DEFINED 550 48,000
APACHE CORP COM 037411105 3,258 46,986 SH DEFINED 44,466 1,825 695
APACHE CORP COM 037411105 291 4,192 SH OTHER 3,180 930 82
APPLIED MATLS INC COM 038222105 4,630 255,390 SH DEFINED 219,019 36,371
APPLIED MATLS INC COM 038222105 476 26,240 SH OTHER 23,240 3,000
ARCHER DANIELS MIDLAND CO COM 039483102 448 34,162 SH DEFINED 32,811 1,351
ARCHER DANIELS MIDLAND CO COM 039483102 42 3,203 SH OTHER 2,503 700
ASTRAZENECA PLC SPONSORED ADR 046353108 252 5,800 SH DEFINED 5,800
AUBURN NATIONAL BANCORPORATION COM 050473107 136 7,500 SH DEFINED 7,500
AUBURN NATIONAL BANCORPORATION COM 050473107 405 22,350 SH OTHER 22,350
AUTOMATIC DATA PROCESSING INC COM 053015103 1,066 29,736 SH DEFINED 24,231 5,505
AUTOMATIC DATA PROCESSING INC COM 053015103 288 8,030 SH OTHER 3,830 2,200 2,000
AVANT IMMUNOTHERAPEUTICS INC COM 053491106 32 13,459 SH OTHER 13,459
AVERY DENNISON CORP COM 053611109 211 4,169 SH DEFINED 3,759 410
AVERY DENNISON CORP COM 053611109 51 1,000 SH OTHER 1,000
AVOCENT CORP COM 053893103 4,852 160,185 SH DEFINED 160,000 185
AVON PRODS INC COM 054303102 552 8,544 SH DEFINED 8,521 23
BB&T CORP COM 054937107 142 3,960 SH DEFINED 3,770 190
BB&T CORP COM 054937107 916 25,507 SH OTHER 25,507
BP PLC ADR SPONSORED ADR 055622104 9,310 221,136 SH DEFINED 213,906 984 6,246
BP PLC ADR SPONSORED ADR 055622104 3,244 77,062 SH OTHER 64,925 9,335 2,802
BAKER HUGHES INC COM 057224107 58 1,955 SH DEFINED 1,955
BAKER HUGHES INC COM 057224107 196 6,623 SH OTHER 923 5,700
BANCO BILBAO VIZCAYA S.A. ADR SPONSORED ADR 05946K101 117 11,292 SH DEFINED 9,946 1,346
BANCO BILBAO VIZCAYA S.A. ADR SPONSORED ADR 05946K101 5 475 SH OTHER 475
BANCORPSOUTH INC COM 059692103 68 3,100 SH DEFINED 3,064 36
BANCORPSOUTH INC COM 059692103 219 10,000 SH OTHER 10,000
BANCTRUST FINANCIAL GP COM 05978R107 107 7,094 SH DEFINED 7,094
BANCTRUST FINANCIAL GP COM 05978R107 188 12,455 SH OTHER 12,455
BANK AMER CORP COM 060505104 11,185 143,327 SH DEFINED 141,129 2,198
BANK AMER CORP COM 060505104 23,891 306,133 SH OTHER 299,210 6,590 333
BANK NEW YORK INC COM 064057102 1,220 41,901 SH DEFINED 39,185 2,400 316
BANK NEW YORK INC COM 064057102 113 3,882 SH OTHER 1,200 2,580 102
BANK ONE CORP COM 06423A103 306 7,907 SH DEFINED 7,567 340
BANK ONE CORP COM 06423A103 329 8,500 SH OTHER 6,500 2,000
BARRICK GOLD CORP ADR COM 067901108 1,124 59,669 SH DEFINED 58,159 710 800
BARRICK GOLD CORP ADR COM 067901108 74 3,940 SH OTHER 490 3,450
BARR LABS INC COM 068306109 262 3,836 SH DEFINED 2,013 1,823
BARR LABS INC COM 068306109 9 137 SH OTHER 137
BAXTER INTERNATIONAL INC COM 071813109 577 19,866 SH DEFINED 19,866
BAXTER INTERNATIONAL INC COM 071813109 443 15,240 SH OTHER 13,160 2,080
BEAR STEARNS COS INC COM 073902108 275 3,673 SH DEFINED 3,605 68
BECTON DICKINSON & CO COM 075887109 361 10,000 SH DEFINED 10,000
BECTON DICKINSON & CO COM 075887109 36 1,008 SH OTHER 1,008
BED BATH & BEYOND INC COM 075896100 1,342 35,059 SH DEFINED 33,720 1,339
BED BATH & BEYOND INC COM 075896100 23 594 SH OTHER 150 444
BELLSOUTH CORP COM 079860102 5,492 231,938 SH DEFINED 222,136 450 9,352
BELLSOUTH CORP COM 079860102 2,546 107,501 SH OTHER 64,579 23,898 19,024
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,275 17 SH DEFINED 10 7
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 1,650 22 SH OTHER 2 20
BERKSHIRE HATHAWAY INC DEL CL B 084670207 3,499 1,402 SH DEFINED 1,344 5 53
BERKSHIRE HATHAWAY INC DEL CL B 084670207 904 362 SH OTHER 349 10 3
BEST BUY INC COM 086516101 2,890 60,815 SH DEFINED 60,815
BEST BUY INC COM 086516101 408 8,580 SH OTHER 8,400 180
BIOCRYST PHARMACEUTICALS INC COM 09058V103 10 1,500 SH DEFINED 1,500
BIOCRYST PHARMACEUTICALS INC COM 09058V103 726 109,054 SH OTHER 1,000 108,054
BLACKROCK INSD MUN TERM TR INC COM 092474105 276 25,000 SH DEFINED 25,000
BLACKROCK INSD MUN INCOME TR COM 092479104 266 19,500 SH DEFINED 19,500
BLACKROCK MUNICIPAL BOND TR COM 09249H104 211 15,000 SH DEFINED 15,000
BLOCK H & R INC COM 093671105 308 7,132 SH DEFINED 5,573 1,559
BLOCK H & R INC COM 093671105 215 4,980 SH OTHER 4,800 180
BLOUNT INTL INC NEW COM 095180105 201 41,851 SH OTHER 41,851
BOEING CO COM 097023105 5,573 162,347 SH DEFINED 162,282 65
BOEING CO COM 097023105 254 7,411 SH OTHER 5,641 1,400 370
BRISTOL MYERS SQUIBB CO COM 110122108 9,157 356,865 SH DEFINED 345,275 3,480 8,110
BRISTOL MYERS SQUIBB CO COM 110122108 3,768 146,855 SH OTHER 114,129 31,073 1,653
BROWN FORMAN CORP CL B CL B 115637209 79 1,000 SH DEFINED 1,000
BROWN FORMAN CORP CL B CL B 115637209 142 1,800 SH OTHER 1,800
BUCKEYE PARTNERS LP UNITS UNIT LTD PARTN 118230101 84 2,100 SH DEFINED 1,500 600
BUCKEYE PARTNERS LP UNITS UNIT LTD PARTN 118230101 216 5,400 SH OTHER 5,400
BUCKEYE TECHNOLOGIES INC COM 118255108 136 14,980 SH DEFINED 4,900 10,080
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 2,801 97,029 SH DEFINED 95,605 1,424
BURLINGTON NORTHN SANTA FE CORP COM 12189T104 142 4,906 SH OTHER 3,400 1,425 81
BURLINGTON RESOURCES INC COM 122014103 2,526 52,409 SH DEFINED 47,356 2,770 2,283
BURLINGTON RESOURCES INC COM 122014103 464 9,630 SH OTHER 5,410 4,220
CIGNA CORP COM 125509109 910 20,380 SH DEFINED 20,300 80
CIGNA CORP COM 125509109 98 2,196 SH OTHER 2,196
CSX CORP COM 126408103 186 6,358 SH DEFINED 6,358
CSX CORP COM 126408103 59 2,020 SH OTHER 1,620 400
CVS CORPORATION (DEL) COM 126650100 2,869 92,355 SH DEFINED 90,795 1,560
CVS CORPORATION (DEL) COM 126650100 329 10,594 SH OTHER 8,262 852 1,480
CAMPBELL SOUP CO COM 134429109 212 8,000 SH DEFINED 8,000
CAMPBELL SOUP CO COM 134429109 183 6,900 SH OTHER 6,300 600
CARDINAL HEALTH INC COM 14149Y108 1,364 23,357 SH DEFINED 20,358 2,999
CARDINAL HEALTH INC COM 14149Y108 274 4,691 SH OTHER 3,945 566 180
CATERPILLAR INC COM 149123101 1,545 22,450 SH DEFINED 21,850 600
CATERPILLAR INC COM 149123101 521 7,568 SH OTHER 4,368 3,200
CEDAR FAIR L P DEPOSITRY UNIT 150185106 574 20,500 SH DEFINED 16,000 4,500
CENTERPOINT ENERGY INC COM 15189T107 114 12,402 SH DEFINED 12,402
CENTERPOINT ENERGY INC COM 15189T107 71 7,794 SH OTHER 400 5,675 1,719
CENTURYTEL INC COM 156700106 2,934 86,570 SH DEFINED 15,353 71,217
CENTURYTEL INC COM 156700106 27 800 SH OTHER 800
CHEVRON TEXACO CORP COM 166764100 10,636 148,863 SH DEFINED 136,193 5,100 7,570
CHEVRON TEXACO CORP COM 166764100 3,926 54,943 SH OTHER 34,532 19,126 1,285
CHUBB CORP COM 171232101 213 3,276 SH DEFINED 3,076 200
CINERGY CORP COM 172474108 270 7,361 SH DEFINED 7,361
CINERGY CORP COM 172474108 435 11,850 SH OTHER 5,850 6,000
CISCO SYS INC COM 17275R102 9,716 495,953 SH DEFINED 477,017 3,810 15,126
CISCO SYS INC COM 17275R102 1,725 88,044 SH OTHER 58,363 27,987 1,694
CITIGROUP INC COM 172967101 12,002 263,726 SH DEFINED 256,464 7,262
CITIGROUP INC COM 172967101 5,141 112,969 SH OTHER 96,843 7,105 9,021
CLEAR CHANNEL COMMUNICATIONS COM 184502102 3,782 98,748 SH DEFINED 87,083 11,665
CLEAR CHANNEL COMMUNICATIONS COM 184502102 280 7,310 SH OTHER 7,050 215 45
CLOROX CO COM 189054109 1,775 38,698 SH DEFINED 35,701 1,477 1,520
CLOROX CO COM 189054109 408 8,901 SH OTHER 5,494 3,092 315
COACH INC COM 189754104 390 7,134 SH DEFINED 2,984 4,150
COACH INC COM 189754104 26 476 SH OTHER 476
COCA COLA CO COM 191216100 35,357 823,030 SH DEFINED 809,890 13,140
COCA COLA CO COM 191216100 28,809 670,609 SH OTHER 621,560 38,494 10,555
COCA COLA ENTERPRISES INC COM 191219104 4,175 219,060 SH OTHER 219,060
COLGATE PALMOLIVE CO COM 194162103 2,895 51,806 SH DEFINED 51,381 425
COLGATE PALMOLIVE CO COM 194162103 15,423 275,959 SH OTHER 264,778 3,300 7,881
COLONIAL BANCGROUP INC COM 195493309 90 6,264 SH DEFINED 6,264
COLONIAL BANCGROUP INC COM 195493309 97 6,745 SH OTHER 6,745
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 56 1,550 SH DEFINED 1,550
COLONIAL PPTYS TR (REIT) COM SH BEN INT 195872106 268 7,425 SH OTHER 7,425
COMCAST CORP NEW CL A CL A 20030N101 880 28,567 SH DEFINED 25,742 1,393 1,432
COMCAST CORP NEW CL A CL A 20030N101 367 11,902 SH OTHER 8,421 853 2,628
COMCAST CORP NEW CL A SPL 20030N200 5,912 199,446 SH DEFINED 144,009 55,437
COMCAST CORP NEW CL A SPL 20030N200 776 26,195 SH OTHER 23,550 2,645
COMPASS BANCSHARES, INC. COM 20449H109 2,208 63,625 SH DEFINED 63,625
COMPASS BANCSHARES, INC. COM 20449H109 4,177 1 SH OTHER 107,413 12,965
CONAGRA FOODS INC COM COM 205887102 1,266 59,610 SH DEFINED 57,810 1,800
CONAGRA FOODS INC COM COM 205887102 612 28,812 SH OTHER 28,412 400
CONOCO/PHILLIPS COM 20825C104 3,217 58,764 SH DEFINED 56,784 1,980
CONOCO/PHILLIPS COM 20825C104 605 11,043 SH OTHER 10,127 140 776
CONSOLIDATED EDISON INC COM 209115104 212 5,211 SH DEFINED 5,211
CONSOLIDATED EDISON INC COM 209115104 139 3,400 SH OTHER 3,400
COOPER CAMERON CORP COM 216640102 456 9,859 SH DEFINED 9,859
COOPER CAMERON CORP COM 216640102 24 525 SH OTHER 100 425
COSTCO WHSL CORP COM 22160K105 474 15,205 SH DEFINED 14,880 325
COSTCO WHSL CORP COM 22160K105 16 523 SH OTHER 333 190
COX COMMUNICATIONS INC NEW CL A 224044107 26,576 840,478 SH DEFINED 840,382 96
DNP SELECT INCOME FD COM 23325P104 1,068 101,010 SH DEFINED 100,210 800
DNP SELECT INCOME FD COM 23325P104 278 26,345 SH OTHER 26,345
DTE ENERGY CO COM 233331107 235 6,363 SH DEFINED 6,053 310
DTE ENERGY CO COM 233331107 27 725 SH OTHER 675 50
DEERE & CO COM 244199105 218 4,082 SH DEFINED 3,871 211
DEERE & CO COM 244199105 130 2,439 SH OTHER 2,400 39
DEL MONTE FOODS CO COM 24522P103 117 13,453 SH DEFINED 13,453
DEL MONTE FOODS CO COM 24522P103 26 2,930 SH OTHER 2,530 400
DELL INC COM 24702R101 6,255 187,177 SH DEFINED 181,157 6,020
DELL INC COM 24702R101 963 28,820 SH OTHER 25,081 2,895 844
DELPHI CORP COM 247126105 187 20,679 SH DEFINED 20,679
DELPHI CORP COM 247126105 34 3,738 SH OTHER 3,110 419 209
DELTIC TIMBER CORP COM 247850100 1,548 53,528 SH DEFINED 53,528
DEUTSCHE TELEKOM AG SPONSORED ADR 251566105 190 13,126 SH DEFINED 11,936 1,190
DEVON ENERGY CORPORATION NEW COM 25179M103 278 5,769 SH DEFINED 5,686 83
DEVON ENERGY CORPORATION NEW COM 25179M103 1 30 SH OTHER 30
DIAL CORP NEW COM COM 25247D101 802 37,227 SH DEFINED 36,328 799 100
DIAL CORP NEW COM COM 25247D101 116 5,366 SH OTHER 2,976 1,865 525
DIEBOLD INC COM 253651103 352 6,945 SH DEFINED 6,945
WALT DISNEY COMPANY COM DISNEY 254687106 2,766 137,136 SH DEFINED 73,846 1,060 62,230
WALT DISNEY COMPANY COM DISNEY 254687106 878 43,524 SH OTHER 15,152 17,082 11,290
DOMINION RES INC VA NEW COM 25746U109 925 14,946 SH DEFINED 14,516 430
DOMINION RES INC VA NEW COM 25746U109 49 790 SH OTHER 300 100 390
DOVER CORP COM 260003108 414 11,691 SH DEFINED 8,271 3,420
DOVER CORP COM 260003108 132 3,745 SH OTHER 3,041 704
DOW CHEM CO COM COM 260543103 879 26,999 SH DEFINED 26,416 583
DOW CHEM CO COM COM 260543103 399 12,262 SH OTHER 4,658 4,750 2,854
DREYFUS STRATEGIC MUNS INC COM 261932107 469 50,000 SH DEFINED 50,000
DREYFUS STRATEGIC MUNS INC COM 261932107 32 3,400 SH OTHER 3,400
DREYFUS STRATEGIC MUN BD FD INC COM 26202F107 453 51,548 SH DEFINED 51,548
DU PONT E I DE NEMOURS & CO COM 263534109 9,497 237,369 SH DEFINED 227,823 9,546
DU PONT E I DE NEMOURS & CO COM 263534109 2,597 64,898 SH OTHER 48,831 5,301 10,766
DUKE ENERGY CORP COM 264399106 1,577 88,524 SH DEFINED 70,994 17,530
DUKE ENERGY CORP COM 264399106 402 22,579 SH OTHER 19,654 2,925
DURECT CORP COM 266605104 161 50,281 SH OTHER 50,281
E-LOAN INC COM 26861P107 41 11,167 SH DEFINED 3,034 8,133
E M C CORP MASS COM 268648102 936 74,076 SH DEFINED 73,254 822
E M C CORP MASS COM 268648102 429 34,002 SH OTHER 24,935 8,774 293
E TRADE FINL CORP COM 269246104 215 23,250 SH DEFINED 23,250
E TRADE FINL CORP COM 269246104 4 450 SH OTHER 200 250
EASTMAN CHEM CO COM 277432100 203 6,060 SH DEFINED 5,868 192
EASTMAN CHEM CO COM 277432100 55 1,628 SH OTHER 1,268 297 63
EATON CORP COM 278058102 453 5,117 SH DEFINED 4,262 855
EATON CORP COM 278058102 8 95 SH OTHER 95
EATON VANCE MUNI INCOME TR FD SH BEN INT 27826U108 530 35,732 SH DEFINED 35,732
EATON VANCE INS MUN BD FD COM 27827X101 272 20,000 SH DEFINED 20,000
EBAY INC COM 278642103 288 5,374 SH DEFINED 3,445 1,929
EBAY INC COM 278642103 38 701 SH OTHER 526 175
EL PASO CORP COM 28336L109 66 9,005 SH DEFINED 7,410 1,595
EL PASO CORP COM 28336L109 72 9,897 SH OTHER 8,897 1,000
ELECTRONIC DATA SYS CORP NEW COM 285661104 2,669 132,112 SH DEFINED 122,472 5,560 4,080
ELECTRONIC DATA SYS CORP NEW COM 285661104 616 30,478 SH OTHER 17,558 12,520 400
EMERSON ELECTRIC CO COM 291011104 3,352 63,671 SH DEFINED 62,801 870
EMERSON ELECTRIC CO COM 291011104 662 12,581 SH OTHER 9,015 3,360 206
ENERGEN CORP COM 29265N108 205 5,663 SH DEFINED 5,393 270
ENERGEN CORP COM 29265N108 232 6,400 SH OTHER 4,750 1,650
ENERGYSOUTH INC COM 292970100 1,467 46,825 SH DEFINED 46,825
ENERGYSOUTH INC COM 292970100 94 3,000 SH OTHER 3,000
THE ENSTAR GROUP INC COM 29358R107 781 19,905 SH DEFINED 19,905
ENTERGY CORP COM 29364G103 250 4,621 SH DEFINED 4,521 100
ENTERGY CORP COM 29364G103 60 1,100 SH OTHER 100 1,000
EXELON CORP COM 30161N101 659 10,380 SH DEFINED 9,161 1,219
EXELON CORP COM 30161N101 128 2,019 SH OTHER 1,107 757 155
EXXON MOBIL CORP COM 30231G102 40,380 1,103,276 SH DEFINED 1,059,545 8,458 35,273
EXXON MOBIL CORP COM 30231G102 14,609 399,164 SH OTHER 318,999 63,017 17,148
FPL GROUP INC COM 302571104 2,011 31,813 SH DEFINED 31,813
FPL GROUP INC COM 302571104 215 3,400 SH OTHER 2,700 700
FAMILY DOLLAR STORES INC COM 307000109 1,315 32,976 SH DEFINED 32,732 244
FAMILY DOLLAR STORES INC COM 307000109 152 3,820 SH OTHER 3,190 630
FREDDIE MAC COM 313400301 766 14,623 SH DEFINED 14,167 456
FREDDIE MAC COM 313400301 90 1,726 SH OTHER 1,550 176
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 3,590 51,136 SH DEFINED 49,926 1,210
FEDERAL NATIONAL MORTGAGE ASSN COM 313586109 930 13,253 SH OTHER 8,450 4,000 803
FEDEX CORP COM 31428X106 7,035 109,196 SH DEFINED 71,269 37,927
FEDEX CORP COM 31428X106 607 9,425 SH OTHER 9,425
FIRST DATA CORP COM 319963104 3,448 86,278 SH DEFINED 81,493 4,785
FIRST DATA CORP COM 319963104 526 13,153 SH OTHER 4,104 400 8,649
FIRST TENNESSEE NATIONAL CORP COM 337162101 907 21,353 SH DEFINED 18,028 1,800 1,525
FIRST TENNESSEE NATIONAL CORP COM 337162101 258 6,075 SH OTHER 5,850 225
FIRSTENERGY CORP COM 337932107 358 11,223 SH DEFINED 11,223
FIRSTENERGY CORP COM 337932107 6 190 SH OTHER 190
FLEETBOSTON FINL CORP COM 339030108 734 24,345 SH DEFINED 24,003 342
FLEETBOSTON FINL CORP COM 339030108 106 3,502 SH OTHER 3,502
FLORIDA ROCK INDS INC COM 341140101 470 9,478 SH DEFINED 6,784 2,374 320
FLORIDA ROCK INDS INC COM 341140101 52 1,057 SH OTHER 1,057
FORD MTR CO DEL COM PAR $0.01 345370860 224 20,842 SH DEFINED 20,037 805
FORD MTR CO DEL COM PAR $0.01 345370860 122 11,301 SH OTHER 5,370 5,598 333
FOREST LABS INC COM 345838106 2,830 55,006 SH DEFINED 54,796 210
FOREST LABS INC COM 345838106 242 4,708 SH OTHER 4,683 25
FORTUNE BRANDS INC COM 349631101 489 8,623 SH DEFINED 8,623
FORTUNE BRANDS INC COM 349631101 102 1,800 SH OTHER 1,800
FRANKLIN RES INC COM 354613101 1,280 28,949 SH DEFINED 27,434 1,515
FRANKLIN RES INC COM 354613101 4 100 SH OTHER 100
GALLAGHER ARTHUR J & CO COM 363576109 401 14,184 SH DEFINED 13,979 205
GALLAGHER ARTHUR J & CO COM 363576109 37 1,300 SH OTHER 900 400
GANNETT INC COM 364730101 1,577 20,338 SH DEFINED 17,042 600 2,696
GANNETT INC COM 364730101 1,386 17,865 SH OTHER 11,532 1,296 5,037
GAP INC COM 364760108 3,351 195,749 SH DEFINED 195,749
GAP INC COM 364760108 340 19,853 SH OTHER 13,923 5,930
GENENTECH INC COM NEW 368710406 597 7,449 SH DEFINED 6,069 1,380
GENENTECH INC COM NEW 368710406 185 2,310 SH OTHER 110 2,200
GENERAL DYNAMICS CORP COM 369550108 1,401 17,954 SH DEFINED 17,244 710
GENERAL DYNAMICS CORP COM 369550108 23 300 SH OTHER 200 100
GENERAL ELECTRIC CO COM 369604103 33,025 1,107,866 SH DEFINED 1,076,591 3,630 27,645
GENERAL ELECTRIC CO COM 369604103 16,397 550,050 SH OTHER 482,434 61,689 5,927
GENERAL MILLS INC COM 370334104 2,141 45,479 SH DEFINED 43,774 1,705
GENERAL MILLS INC COM 370334104 641 13,614 SH OTHER 10,899 2,440 275
GENERAL MOTORS CORP COM 370442105 2,200 53,757 SH DEFINED 33,831 19,926
GENERAL MOTORS CORP COM 370442105 539 13,171 SH OTHER 11,431 1,440 300
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 1,417 99,057 SH DEFINED 3,428 95,629
GENERAL MTRS CORP CLASS H NEW CL H NEW 370442832 22 1,524 SH OTHER 1,518 6
GENUINE PARTS CO COM 372460105 1,408 44,030 SH DEFINED 37,760 1,770 4,500
GENUINE PARTS CO COM 372460105 750 23,461 SH OTHER 20,241 3,220
GEORGIA PAC CORP (GA PAC GR) COM 373298108 2,395 98,810 SH DEFINED 98,810
GEORGIA PAC CORP (GA PAC GR) COM 373298108 10 400 SH OTHER 400
GILLETTE CO COM 375766102 4,170 130,404 SH DEFINED 118,834 170 11,400
GILLETTE CO COM 375766102 1,886 58,975 SH OTHER 38,115 7,460 13,400
GLAXO SMITHKLINE SPONSORED ADR 37733W105 416 9,816 SH DEFINED 8,311 1,505
GLAXO SMITHKLINE SPONSORED ADR 37733W105 155 3,655 SH OTHER 3,500 155
GOLDMAN SACHS GROUP INC COM 38141G104 405 4,828 SH DEFINED 4,272 556
GOLDMAN SACHS GROUP INC COM 38141G104 17 198 SH OTHER 100 98
GOODRICH CORP COM 382388106 512 21,125 SH DEFINED 19,425 1,700
GOODRICH CORP COM 382388106 58 2,400 SH OTHER 2,400
HCA-INC COM 404119109 871 23,621 SH DEFINED 22,386 1,235
HCA-INC COM 404119109 10 260 SH OTHER 200 60
HSBC HLDGS PLC SPON ADR NEW 404280406 216 3,278 SH DEFINED 2,860 418
HSBC HLDGS PLC SPON ADR NEW 404280406 252 3,815 SH OTHER 3,705 110
HARLEY DAVIDSON INC COM 412822108 298 6,190 SH DEFINED 5,585 605
HARLEY DAVIDSON INC COM 412822108 1 20 SH OTHER 20
HARTFORD FINL SVCS GROUP INC COM 416515104 208 3,959 SH DEFINED 3,500 459
HARTFORD FINL SVCS GROUP INC COM 416515104 7 140 SH OTHER 140
HEALTH NET INC COM 42222G108 212 6,707 SH DEFINED 4,609 2,098
HEALTH NET INC COM 42222G108 8 245 SH OTHER 245
HEINZ H J CO COM 423074103 1,540 44,938 SH DEFINED 44,871 67
HEINZ H J CO COM 423074103 289 8,445 SH OTHER 7,545 900
HERSHEY FOODS CORP COM 427866108 293 4,035 SH DEFINED 4,035
HERSHEY FOODS CORP COM 427866108 342 4,700 SH OTHER 3,600 1,100
HEWLETT PACKARD CO COM 428236103 2,046 105,679 SH DEFINED 101,437 4,242
HEWLETT PACKARD CO COM 428236103 876 45,271 SH OTHER 39,936 2,525 2,810
HIBERNIA CORP CL A 428656102 636 31,410 SH DEFINED 29,078 2,332
HILTON HOTELS COM 432848109 1,263 77,859 SH DEFINED 6,285 71,574
HOME DEPOT INC COM 437076102 3,811 119,658 SH DEFINED 116,552 3,106
HOME DEPOT INC COM 437076102 1,036 32,516 SH OTHER 26,505 2,950 3,061
HONEYWELL INTERNATIONAL INC COM 438516106 547 20,758 SH DEFINED 19,225 1,533
HONEYWELL INTERNATIONAL INC COM 438516106 303 11,489 SH OTHER 2,325 9,164
HUGOTON RTY TR TEX UNIT BEN INT 444717102 28 1,500 SH DEFINED 1,500
HUGOTON RTY TR TEX UNIT BEN INT 444717102 187 10,000 SH OTHER 10,000
HUNTINGTON BANCSHARES INC COM 446150104 199 10,000 SH DEFINED 10,000
ILLINOIS TOOL WKS INC COM 452308109 309 4,658 SH DEFINED 4,428 230
INTEL CORP COM 458140100 17,177 624,172 SH DEFINED 573,103 1,870 49,199
INTEL CORP COM 458140100 6,105 221,846 SH OTHER 177,621 39,341 4,884
INTNL BUSINESS MACHINES CORP COM 459200101 12,131 137,337 SH DEFINED 124,197 13,140
INTNL BUSINESS MACHINES CORP COM 459200101 4,223 47,812 SH OTHER 38,111 9,024 677
INTERNATIONAL GAME TECHNOLOGY COM 459902102 1,111 39,468 SH DEFINED 39,344 124
INTERNATIONAL PAPER CO COM 460146103 5,951 152,512 SH DEFINED 151,380 1,132
INTERNATIONAL PAPER CO COM 460146103 1,356 34,764 SH OTHER 33,281 1,396 87
ISHARES INC MSCI JAPAN 464286848 44 5,000 SH DEFINED 5,000
ISHARES INC MSCI JAPAN 464286848 88 10,000 SH OTHER 10,000
ISHARES TR DJ US UTILS 464287697 201 3,750 SH DEFINED 3,750
ISHARES TR DJ US UTILS 464287697 116 2,163 SH OTHER 2,163
ISHARES TR S&P SMLCP VALU 464287879 147 1,700 SH DEFINED 1,700
ISHARES TR S&P SMLCP VALU 464287879 130 1,500 SH OTHER 1,500
JP MORGAN CHASE & CO COM 46625H100 3,139 91,428 SH DEFINED 88,418 3,010
JP MORGAN CHASE & CO COM 46625H100 1,070 31,158 SH OTHER 25,183 5,735 240
JEFFERSON PILOT CORP COM 475070108 3,341 75,275 SH DEFINED 75,275
JEFFERSON PILOT CORP COM 475070108 4,191 94,438 SH OTHER 54,225 6,463 33,750
JOHNSON & JOHNSON COM 478160104 15,957 322,230 SH DEFINED 308,817 2,000 11,413
JOHNSON & JOHNSON COM 478160104 4,614 93,172 SH OTHER 68,430 14,560 10,182
KLA - TENCOR CORPORATION COM 482480100 732 14,188 SH DEFINED 14,168 20
KLA - TENCOR CORPORATION COM 482480100 206 4,000 SH OTHER 4,000
KELLOGG CO COM 487836108 511 15,314 SH DEFINED 15,150 164
KELLOGG CO COM 487836108 400 12,000 SH OTHER 10,400 1,600
KEYCORP NEW COM 493267108 1,267 49,566 SH DEFINED 48,346 1,220
KEYCORP NEW COM 493267108 127 4,950 SH OTHER 4,150 800
KIMBERLY CLARK CORP COM 494368103 2,305 44,908 SH DEFINED 43,796 1,112
KIMBERLY CLARK CORP COM 494368103 2,036 39,678 SH OTHER 36,180 3,348 150
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 393 9,173 SH DEFINED 8,173 1,000
KINDER MORGAN EGY PTNS L P UT LTD PARTNER 494550106 233 5,444 SH OTHER 5,444
KNIGHT RIDDER INC COM 499040103 1,237 18,549 SH DEFINED 3,633 14,916
KOHLS CORP COM 500255104 206 3,849 SH DEFINED 3,168 681
KOHLS CORP COM 500255104 363 6,785 SH OTHER 250 6,535
KONINKLIJKE PHILIPS ELECTRS NY REG SH NEW 500472303 403 17,600 SH DEFINED 1,200 16,400
KRAFT FOODS INC CL A 50075N104 858 29,080 SH DEFINED 27,680 1,400
KRAFT FOODS INC CL A 50075N104 69 2,340 SH OTHER 1,945 295 100
LEGGETT & PLATT INC COM 524660107 1,128 52,128 SH DEFINED 52,128
LEHMAN BROS HLDGS INC COM 524908100 1,665 24,103 SH DEFINED 24,103
LEHMAN BROS HLDGS INC COM 524908100 214 3,104 SH OTHER 3,104
LILLY ELI & CO COM 532457108 5,998 100,976 SH DEFINED 92,638 8,338
LILLY ELI & CO COM 532457108 1,773 29,845 SH OTHER 22,695 2,250 4,900
LIMITED BRANDS INC COM 532716107 132 8,743 SH DEFINED 8,343 400
LIMITED BRANDS INC COM 532716107 20 1,300 SH OTHER 1,300
LINCOLN NATIONAL CORP IND COM 534187109 420 11,860 SH DEFINED 11,560 300
LINCOLN NATIONAL CORP IND COM 534187109 144 4,069 SH OTHER 3,969 100
LIZ CLAIBORNE INC COM 539320101 1,187 34,873 SH DEFINED 32,778 2,095
LIZ CLAIBORNE INC COM 539320101 64 1,880 SH OTHER 1,600 280
LOCKHEED MARTIN CORP COM 539830109 132 2,869 SH DEFINED 2,734 135
LOCKHEED MARTIN CORP COM 539830109 167 3,617 SH OTHER 3,617
LOEWS CORP COM 540424108 35 855 SH DEFINED 645 210
LOEWS CORP COM 540424108 727 18,000 SH OTHER 18,000
LOUISIANA PACIFIC CORP COM 546347105 1,302 94,469 SH DEFINED 94,469
LOWES COS INC COM 548661107 4,531 87,303 SH DEFINED 86,159 1,144
LOWES COS INC COM 548661107 473 9,115 SH OTHER 8,756 359
LUCENT TECHNOLOGIES INC COM 549463107 80 36,946 SH DEFINED 28,341 8,605
LUCENT TECHNOLOGIES INC COM 549463107 26 12,243 SH OTHER 5,012 6,731 500
LUFKIN INDUSTRIES INCORPORATED COM 549764108 672 27,984 SH DEFINED 27,984
LUFKIN INDUSTRIES INCORPORATED COM 549764108 720 30,000 SH OTHER 30,000
MBNA CORP COM 55262L100 590 25,888 SH DEFINED 23,944 1,944
MBNA CORP COM 55262L100 27 1,171 SH OTHER 420 751
MANULIFE FINL CORP ADR COM 56501R106 499 17,263 SH DEFINED 16,913 350
MARATHON OIL CORP COM 565849106 528 18,538 SH DEFINED 18,013 525
MARATHON OIL CORP COM 565849106 87 3,062 SH OTHER 2,040 390 632
MARSH & MCLENNAN COS INC COM 571748102 3,136 65,875 SH DEFINED 64,317 1,558
MARSH & MCLENNAN COS INC COM 571748102 520 10,913 SH OTHER 2,850 1,050 7,013
MARRIOTT INTL INC NEW CL A 571903202 2,682 62,329 SH DEFINED 24,466 37,863
MARRIOTT INTL INC NEW CL A 571903202 301 7,000 SH OTHER 1,100 500 5,400
MASCO CORP COM 574599106 287 11,725 SH DEFINED 9,958 1,767
MASCO CORP COM 574599106 307 12,521 SH OTHER 4,300 8,221
MATSUSHITA ELEC INDL LTD ADR 576879209 131 10,940 SH DEFINED 9,550 1,390
MATSUSHITA ELEC INDL LTD ADR 576879209 6 507 SH OTHER 507
MAXIM INTEGRATED PRODS INC COM 57772K101 229 5,821 SH DEFINED 3,352 2,469
MAXIM INTEGRATED PRODS INC COM 57772K101 13 324 SH OTHER 137 187
MAYTAG CORP COM 578592107 15,699 628,733 SH DEFINED 628,733
MAYTAG CORP COM 578592107 59 2,350 SH OTHER 2,350
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 998 36,386 SH DEFINED 36,386
MCCORMICK & CO INC COMMON STOCK COM NON VTG 579780206 49 1,776 SH OTHER 1,776
MCDONALDS CORP COM 580135101 1,065 45,253 SH DEFINED 45,103 150
MCDONALDS CORP COM 580135101 406 17,233 SH OTHER 14,233 1,400 1,600
MCGRAW-HILL COMPANIES INC NEW COM 580645109 727 11,698 SH DEFINED 11,298 400
MCGRAW-HILL COMPANIES INC NEW COM 580645109 75 1,200 SH OTHER 1,200
MCKESSON CORPORATION COM 58155Q103 215 6,468 SH DEFINED 5,403 1,065
MCKESSON CORPORATION COM 58155Q103 119 3,583 SH OTHER 3,383 200
MEADWESTVACO CORP COM 583334107 114 4,474 SH DEFINED 4,474
MEADWESTVACO CORP COM 583334107 2,052 80,488 SH OTHER 27,594 3,240 49,654
MEDCO HEALTH SOLUTIONS INC COM 58405U102 370 14,274 SH DEFINED 14,024 167 83
MEDCO HEALTH SOLUTIONS INC COM 58405U102 350 13,486 SH OTHER 9,511 1,299 2,676
MEDIMMUNE INC COM 584699102 1,146 34,695 SH DEFINED 31,314 1,400 1,981
MEDIMMUNE INC COM 584699102 152 4,610 SH OTHER 1,150 3,460
MEDTRONIC INC COM 585055106 4,898 104,387 SH DEFINED 102,391 1,996
MEDTRONIC INC COM 585055106 1,331 28,360 SH OTHER 9,625 7,800 10,935
MELLON FINL CORP COM 58551A108 262 8,708 SH DEFINED 8,536 172
MELLON FINL CORP COM 58551A108 36 1,200 SH OTHER 600 600
MERCK & CO INC COM 589331107 13,924 275,063 SH DEFINED 261,865 2,004 11,194
MERCK & CO INC COM 589331107 7,290 144,024 SH OTHER 103,520 16,558 23,946
MERRILL LYNCH & CO INC COM 590188108 639 11,939 SH DEFINED 11,160 779
MERRILL LYNCH & CO INC COM 590188108 36 675 SH OTHER 600 75
METLIFE INC COM 59156R108 234 8,360 SH DEFINED 5,892 2,468
METLIFE INC COM 59156R108 14 488 SH OTHER 213 275
MICROSOFT CORP COM 594918104 15,739 566,152 SH DEFINED 520,092 5,978 40,082
MICROSOFT CORP COM 594918104 4,363 156,937 SH OTHER 111,193 20,218 25,526
MID-AMER APT CMNTYS INC (REIT) COM 59522J103 276 9,150 SH DEFINED 2,250 6,900
MIDCAP SPDR TR UNIT SER 1 595635103 319 3,416 SH DEFINED 1,975 1,441
MIRANT CORP COM 604675108 12 18,858 SH DEFINED 18,302 556
MIRANT CORP COM 604675108 7 11,320 SH OTHER 10,382 788 150
MITSUBISHI TOKYO FINL GROUP SPONSORED ADR 606816106 109 16,935 SH DEFINED 15,135 1,800
MOODYS CORP COM 615369105 376 6,845 SH DEFINED 6,685 160
MOODYS CORP COM 615369105 44 800 SH OTHER 800
MORGAN STANLEY COM 617446448 8,184 162,190 SH DEFINED 147,749 14,441
MORGAN STANLEY COM 617446448 769 15,230 SH OTHER 14,460 600 170
MOTOROLA INC COM 620076109 982 82,202 SH DEFINED 77,890 4,312
MOTOROLA INC COM 620076109 436 36,500 SH OTHER 32,100 4,400
MUNICIPAL MORTGAGE & EQUITY LLC GROWTH SHS 62624B101 221 9,000 SH DEFINED 3,000 6,000
MURPHY OIL CORP COM 626717102 2,150 36,599 SH DEFINED 36,599
MURPHY OIL CORP COM 626717102 17 293 SH OTHER 293
MYLAN LABORATORIES INC COM 628530107 179 4,629 SH DEFINED 2,366 2,263
MYLAN LABORATORIES INC COM 628530107 49 1,267 SH OTHER 1,000 267
NASDAQ 100 TR UNIT SER 1 631100104 281 8,654 SH DEFINED 8,654
NASDAQ 100 TR UNIT SER 1 631100104 88 2,720 SH OTHER 1,500 1,220
NATIONAL CITY CORP COM 635405103 382 12,966 SH DEFINED 12,666 300
NATIONAL CITY CORP COM 635405103 61 2,060 SH OTHER 2,000 60
NATIONAL COMM FINL CORP COM 63545P104 1,182 47,513 SH DEFINED 43,948 3,565
NATIONAL COMM FINL CORP COM 63545P104 113 4,528 SH OTHER 4,360 168
NETWORK APPLIANCE INC DELEWARE COM 64120L104 538 26,211 SH DEFINED 20,512 5,699
NETWORK APPLIANCE INC DELEWARE COM 64120L104 15 730 SH OTHER 730
NEW YORK TIMES CO CL A CL A 650111107 243 5,600 SH DEFINED 5,600
NEW YORK TIMES CO CL A CL A 650111107 9 200 SH OTHER 200
NEWMONT MINING CORP (NEW) COM 651639106 8,191 209,554 SH DEFINED 200,564 6,640 2,350
NEWMONT MINING CORP (NEW) COM 651639106 866 22,161 SH OTHER 12,288 8,340 1,533
NEXTEL COMMUNICATIONS INC CL A 65332V103 356 18,058 SH DEFINED 10,896 7,162
NEXTEL COMMUNICATIONS INC CL A 65332V103 10 505 SH OTHER 505
NIKE INC CL B CL B 654106103 1,135 18,660 SH DEFINED 18,660
NIKE INC CL B CL B 654106103 82 1,350 SH OTHER 550 800
NOKIA CORP SPONSORED ADR 654902204 928 59,471 SH DEFINED 57,293 2,178
NOKIA CORP SPONSORED ADR 654902204 262 16,770 SH OTHER 1,800 14,970
NORFOLK SOUTHERN CORPORATION COM 655844108 380 20,518 SH DEFINED 20,518
NORFOLK SOUTHERN CORPORATION COM 655844108 388 20,967 SH OTHER 14,712 6,255
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 103 2,370 SH DEFINED 1,870 500
NORTHERN BORDER PARTNERS L P UNIT LTD PARTN 664785102 239 5,500 SH OTHER 4,000 1,500
NORTHERN TRUST CORP COM 665859104 208 4,905 SH DEFINED 4,905
NORTHERN TRUST CORP COM 665859104 4 100 SH OTHER 100
NORTHROP GRUMMAN CORP COM 666807102 3,743 43,412 SH DEFINED 38,539 850 4,023
NORTHROP GRUMMAN CORP COM 666807102 590 6,839 SH OTHER 3,459 970 2,410
NVIDIA CORP COM 67066G104 1,662 104,085 SH DEFINED 103,785 300
NVIDIA CORP COM 67066G104 163 10,200 SH OTHER 10,200
NUVEEN DIVIDEND ADV MUNI 3 COM SH BEN INT 67070X101 277 20,000 SH DEFINED 20,000
NUVEEN INSD DIVID ADVANTAGE COM 67071L106 147 10,000 SH DEFINED 10,000
OGE ENERGY CORP COM 670837103 180 7,987 SH DEFINED 7,987
OGE ENERGY CORP COM 670837103 30 1,350 SH OTHER 1,200 150
NUVEEN MUN VALUE FD INC COM 670928100 189 20,608 SH DEFINED 20,608
NUVEEN MUN VALUE FD INC COM 670928100 12 1,333 SH OTHER 1,333
NUVEEN TEX QUAL INCM MUN FD COM 670983105 717 49,800 SH DEFINED 49,800
OCCIDENTAL PETE CORP COM 674599105 399 11,332 SH DEFINED 9,012 2,320
OCCIDENTAL PETE CORP COM 674599105 8 240 SH OTHER 240
OLD REPUBLIC INTL CORP COM 680223104 278 8,416 SH DEFINED 6,162 2,254
OLD REPUBLIC INTL CORP COM 680223104 10,604 320,446 SH OTHER 72,186 248,000 260
OMNICOM GROUP COM 681919106 87 1,216 SH DEFINED 1,000 216
OMNICOM GROUP COM 681919106 557 7,750 SH OTHER 4,500 3,250
ORACLE CORPORATION COM 68389X105 3,956 351,681 SH DEFINED 330,523 6,920 14,238
ORACLE CORPORATION COM 68389X105 784 69,688 SH OTHER 26,180 16,080 27,428
PNC FINANCIAL SERVICES GROUP COM 693475105 611 12,850 SH DEFINED 12,850
PNC FINANCIAL SERVICES GROUP COM 693475105 67 1,410 SH OTHER 900 510
PPG INDUSTRIES INC COM 693506107 122 2,337 SH DEFINED 2,146 191
PPG INDUSTRIES INC COM 693506107 263 5,039 SH OTHER 4,600 400 39
PACCAR INC COM 693718108 245 3,300 SH DEFINED 3,300
PACCAR INC COM 693718108 90 1,206 SH OTHER 1,206
PARKER HANNIFIN CORP COM 701094104 251 5,625 SH DEFINED 5,625
PEOPLES BANCTRUST INC COM 709796106 5,606 385,000 SH DEFINED 385,000
PEPSICO INC COM 713448108 13,194 287,887 SH DEFINED 280,735 4,379 2,773
PEPSICO INC COM 713448108 3,548 77,421 SH OTHER 47,477 19,436 10,508
PFIZER INC COM 717081103 22,036 725,333 SH DEFINED 682,671 6,606 36,056
PFIZER INC COM 717081103 6,515 214,462 SH OTHER 141,428 50,710 22,324
PHELPS DODGE CORP COM 717265102 766 16,368 SH DEFINED 16,203 165
PHELPS DODGE CORP COM 717265102 12 253 SH OTHER 100 153
PIMCO MUN INCOME FD II COM 72200W106 280 20,000 SH DEFINED 20,000
PIMCO MUN INCOME FD III COM 72201A103 291 20,525 SH DEFINED 20,525
PIMCO MUN INCOME FD III COM 72201A103 23 1,650 SH OTHER 1,650
PIONEER NATURAL RESOURCES CO COM 723787107 1,018 40,000 SH DEFINED 40,000
PITNEY BOWES INC COM 724479100 1,207 31,510 SH DEFINED 31,510
PITNEY BOWES INC COM 724479100 466 12,150 SH OTHER 12,150
PLUM CREEK TIMBER CO INC COM 729251108 2,436 95,760 SH DEFINED 95,760
PLUM CREEK TIMBER CO INC COM 729251108 79 3,109 SH OTHER 2,059 1,050
PRAXAIR INC COM 74005P104 336 5,421 SH DEFINED 3,894 1,527
PRAXAIR INC COM 74005P104 112 1,803 SH OTHER 1,803
PROASSURANCE CORP COM 74267C106 630 24,377 SH DEFINED 11,018 13,359
PROASSURANCE CORP COM 74267C106 42 1,633 SH OTHER 1,633
PROCTER & GAMBLE CO COM 742718109 13,327 143,577 SH DEFINED 138,531 3,140 1,906
PROCTER & GAMBLE CO COM 742718109 7,614 82,026 SH OTHER 56,881 9,183 15,962
PROGRESS ENERGY INC COM 743263105 824 18,529 SH DEFINED 18,256 273
PROGRESS ENERGY INC COM 743263105 152 3,422 SH OTHER 1,327 2,095
PROGRESSIVE CORP OHIO COM 743315103 413 5,983 SH DEFINED 3,694 2,289
PROGRESSIVE CORP OHIO COM 743315103 13 188 SH OTHER 188
PROTECTIVE LIFE CORP COM 743674103 1,178 39,465 SH DEFINED 39,465
PROTECTIVE LIFE CORP COM 743674103 5,706 191,157 SH OTHER 189,965 1,192
PROVIDIAN FINL CORP COM 74406A102 94 7,977 SH DEFINED 4,550 3,427
PROVIDIAN FINL CORP COM 74406A102 167 14,200 SH OTHER 400 13,800
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 258 6,134 SH DEFINED 5,704 430
PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 206 4,912 SH OTHER 1,594 3,150 168
PUTNAM INVT GRADE MUN TR COM 746805100 343 31,000 SH DEFINED 31,000
PUTNAM MANAGED MUN INCOME TR COM 746823103 319 42,000 SH DEFINED 42,000
QUALCOMM INC COM 747525103 952 22,855 SH DEFINED 21,314 1,541
QUALCOMM INC COM 747525103 864 20,732 SH OTHER 4,790 5,050 10,892
QUESTAR CORP COM 748356102 371 12,050 SH DEFINED 12,050
QUESTAR CORP COM 748356102 31 1,000 SH OTHER 1,000
RADIOSHACK CORP COM 750438103 144 5,086 SH DEFINED 2,301 2,785
RADIOSHACK CORP COM 750438103 173 6,090 SH OTHER 5,800 290
RAYTHEON CO (NEW) COM NEW 755111507 2,687 95,958 SH DEFINED 84,383 11,575
RAYTHEON CO (NEW) COM NEW 755111507 379 13,540 SH OTHER 11,312 2,028 200
REGIONS FINANCIAL CORP COM 758940100 87,072 2,542,258 SH DEFINED 2,257,059 7,303 277,896
REGIONS FINANCIAL CORP COM 758940100 50,899 1,486,098 SH OTHER 1,368,103 23,814 94,181
RELIANT RES INC COM 75952B105 40 7,724 SH DEFINED 7,724
RELIANT RES INC COM 75952B105 27 5,197 SH OTHER 315 3,527 1,355
ROCKWELL AUTOMATION INC COM 773903109 174 6,641 SH DEFINED 6,500 141
ROCKWELL AUTOMATION INC COM 773903109 39 1,494 SH OTHER 266 1,228
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 2,767 62,604 SH DEFINED 62,463 141
ROYAL DUTCH PETROLEUM CO ADR NY REG EUR.56 780257804 642 14,528 SH OTHER 13,214 1,170 144
RUBY TUESDAY INC COM 781182100 5,917 245,427 SH DEFINED 245,427
RUBY TUESDAY INC COM 781182100 206 8,528 SH OTHER 5,528 3,000
SBC COMMUNICATIONS INC NEW COM 78387G103 4,361 196,001 SH DEFINED 186,609 3,780 5,612
SBC COMMUNICATIONS INC NEW COM 78387G103 1,328 59,687 SH OTHER 22,322 24,363 13,002
SPDR TR UNIT SER 1 78462F103 7,425 74,290 SH DEFINED 67,150 5,660 1,480
SPDR TR UNIT SER 1 78462F103 902 9,020 SH OTHER 4,560 4,460
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 334 11,943 SH DEFINED 11,943
SABINE ROYALTY TRUST INTEREST UNIT BEN INT 785688102 14 500 SH OTHER 250 250
ST PAUL COS INC COM 792860108 275 7,424 SH DEFINED 7,424
ST PAUL COS INC COM 792860108 178 4,798 SH OTHER 4,798
SAKS INC COM 79377W108 265 23,026 SH DEFINED 23,026
SAKS INC COM 79377W108 2 132 SH OTHER 132
SANMINA CORP COM 800907107 38 3,955 SH DEFINED 3,850 105
SANMINA CORP COM 800907107 91 9,468 SH OTHER 8,652 816
SARA LEE CORP COM 803111103 4,599 250,517 SH DEFINED 27,762 222,755
SARA LEE CORP COM 803111103 312 16,991 SH OTHER 11,621 5,370
SCANA CORP NEW COM 80589M102 873 25,484 SH DEFINED 25,484
SCANA CORP NEW COM 80589M102 240 6,997 SH OTHER 6,897 100
SCHERING-PLOUGH CORP COM 806605101 684 44,890 SH DEFINED 39,970 4,920
SCHERING-PLOUGH CORP COM 806605101 382 25,060 SH OTHER 14,300 10,760
SCHLUMBERGER LTD ADR COM 806857108 3,251 67,174 SH DEFINED 56,256 10,918
SCHLUMBERGER LTD ADR COM 806857108 1,268 26,201 SH OTHER 13,851 2,150 10,200
SCHWAB CHARLES CORP NEW COM 808513105 891 74,812 SH DEFINED 68,261 6,551
SCHWAB CHARLES CORP NEW COM 808513105 7 605 SH OTHER 605
SCUDDER MUN INCOME TR COM SH BEN INT 81118R604 487 41,000 SH DEFINED 41,000
SEARS ROEBUCK & CO COM 812387108 369 8,437 SH DEFINED 8,399 38
SEARS ROEBUCK & CO COM 812387108 184 4,209 SH OTHER 4,209
SHERWIN WILLIAMS CO COM 824348106 185 6,301 SH DEFINED 3,811 2,490
SHERWIN WILLIAMS CO COM 824348106 55 1,870 SH OTHER 1,600 270
SMITH INTL INC COM 832110100 410 11,400 SH DEFINED 11,400
SOLECTRON CORP COM 834182107 80 13,700 SH DEFINED 13,700
SOLECTRON CORP COM 834182107 9 SH OTHER 9
SONOCO PRODUCTS CO COM 835495102 66 3,000 SH DEFINED 3,000
SONOCO PRODUCTS CO COM 835495102 137 6,220 SH OTHER 6,220
SOUTHERN CO COM 842587107 6,794 231,491 SH DEFINED 228,891 700 1,900
SOUTHERN CO COM 842587107 2,712 92,402 SH OTHER 83,166 7,175 2,061
SOUTHTRUST CORP COM 844730101 5,869 199,904 SH DEFINED 199,847 57
SOUTHTRUST CORP COM 844730101 7,449 253,707 SH OTHER 198,709 42,930 12,068
SOUTHWEST AIRLINES CO COM 844741108 1,624 91,739 SH DEFINED 88,772 2,967
SOUTHWEST AIRLINES CO COM 844741108 106 6,013 SH OTHER 4,863 1,150
SPRINT CORP PCS COM SER 1 852061506 113 19,651 SH DEFINED 19,366 285
SPRINT CORP PCS COM SER 1 852061506 7 1,272 SH OTHER 1,204 68
STARBUCKS CORP COM 855244109 199 6,922 SH DEFINED 5,633 1,289
STARBUCKS CORP COM 855244109 31 1,063 SH OTHER 750 313
STATE STR CORP COM 857477103 372 8,272 SH DEFINED 7,731 541
STATE STR CORP COM 857477103 7 154 SH OTHER 154
STRYKER CORP COM 863667101 453 6,017 SH DEFINED 5,218 799
STRYKER CORP COM 863667101 11 141 SH OTHER 141
SUN LIFE FINL INC COM 866796105 253 11,667 SH DEFINED 11,667
SUN MICROSYSTEMS INC COM 866810104 159 48,119 SH DEFINED 48,119
SUN MICROSYSTEMS INC COM 866810104 79 24,000 SH OTHER 16,900 6,000 1,100
SUNTRUST BANKS INC COM 867914103 1,750 28,985 SH DEFINED 28,689 207 89
SUNTRUST BANKS INC COM 867914103 1,039 17,218 SH OTHER 15,516 1,702
SYMANTEC CORP COM 871503108 223 3,533 SH DEFINED 1,990 1,543
SYMANTEC CORP COM 871503108 141 2,225 SH OTHER 2,000 225
SYNOVUS FINANCIAL CORP COM 87161C105 802 32,084 SH DEFINED 30,399 450 1,235
SYNOVUS FINANCIAL CORP COM 87161C105 2,829 113,200 SH OTHER 110,780 505 1,915
SYSCO CORP COM 871829107 2,111 64,542 SH DEFINED 63,597 945
SYSCO CORP COM 871829107 156 4,765 SH OTHER 3,800 800 165
TEPPCO PARTNERS LP UT LTD PARTNER 872384102 374 10,570 SH DEFINED 10,570
TEPPCO PARTNERS LP UT LTD PARTNER 872384102 127 3,600 SH OTHER 3,600
TXU CORP COM 873168108 426 18,098 SH DEFINED 18,008 90
TXU CORP COM 873168108 31 1,307 SH OTHER 1,101 6 200
TARGET CORP COM 87612E106 3,358 89,250 SH DEFINED 88,300 950
TARGET CORP COM 87612E106 753 20,013 SH OTHER 14,413 4,425 1,175
TELEFONICA S. A. SPONSORED ADR 879382208 434 12,247 SH DEFINED 11,941 306
TELEFONICA S. A. SPONSORED ADR 879382208 8 216 SH OTHER 216
TELEPHONE & DATA SYS INC COM 879433100 733 12,957 SH DEFINED 50 12,907
TEMPLETON GLOBAL INCOME FD INC COM 880198106 116 13,707 SH DEFINED 13,707
TEMPLETON GLOBAL INCOME FD INC COM 880198106 8 1,000 SH OTHER 1,000
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 251 4,381 SH DEFINED 3,961 420
TEVA PHARMACEUTICAL INDS LTD ADR 881624209 11 200 SH OTHER 200
TEXAS INSTRUMENTS INC COM 882508104 4,616 202,466 SH DEFINED 182,067 20,399
TEXAS INSTRUMENTS INC COM 882508104 690 30,242 SH OTHER 25,550 3,732 960
TEXTRON INC COM 883203101 201 5,105 SH OTHER 5,105
THOR INDS INC COM 885160101 259 4,800 SH DEFINED 4,800
3M CO COM 88579Y101 3,331 48,222 SH DEFINED 46,580 1,642
3M CO COM 88579Y101 2,460 35,620 SH OTHER 28,442 2,028 5,150
TORCHMARK CORP COM 891027104 4,023 98,981 SH DEFINED 98,181 800
TORCHMARK CORP COM 891027104 8,573 210,950 SH OTHER 200,969 9,981
TRAVELERS PPTY CAS CORP NEW CL A 89420G109 324 20,431 SH DEFINED 20,227 204
TRAVELERS PPTY CAS CORP NEW CL A 89420G109 51 3,230 SH OTHER 2,802 422 6
TRIZEC PROPERTIES INC (REIT) COM 89687P107 712 58,045 SH DEFINED 58,045
TYCO INTL LTD NEW ADR COM 902124106 267 13,047 SH DEFINED 12,152 895
TYCO INTL LTD NEW ADR COM 902124106 26 1,274 SH OTHER 1,274
UST INC COM 902911106 1,676 47,644 SH DEFINED 47,514 130
UST INC COM 902911106 165 4,700 SH OTHER 4,600 100
US BANCORP DEL COM NEW COM NEW 902973304 4,602 191,847 SH DEFINED 190,792 1,055
US BANCORP DEL COM NEW COM NEW 902973304 59 2,464 SH OTHER 1,700 634 130
UNION PACIFIC CORP COM 907818108 1,434 24,647 SH DEFINED 24,022 625
UNION PACIFIC CORP COM 907818108 243 4,181 SH OTHER 3,075 1,006 100
UNION PLANTERS CORP COM 908068109 2,591 81,890 SH DEFINED 64,037 17,853
UNION PLANTERS CORP COM 908068109 6,993 221,005 SH OTHER 48,625 172,380
UNITED PARCEL SVC INC CL B 911312106 78 1,226 SH DEFINED 942 284
UNITED PARCEL SVC INC CL B 911312106 373 5,839 SH OTHER 5,839
UNITED SEC BANCSHARES INC SHS 911459105 2,858 112,640 SH DEFINED 112,640
UNITED SEC BANCSHARES INC SHS 911459105 25 1,000 SH OTHER 1,000
UNITED TECHNOLOGIES CORP COM 913017109 1,629 21,078 SH DEFINED 19,454 1,624
UNITED TECHNOLOGIES CORP COM 913017109 605 7,828 SH OTHER 7,500 328
UNITEDHEALTH GROUP INC COM 91324P102 630 12,512 SH DEFINED 10,589 1,923
UNITEDHEALTH GROUP INC COM 91324P102 44 868 SH OTHER 400 468
UNOCAL CORP COM 915289102 204 6,472 SH DEFINED 6,398 74
UNOCAL CORP COM 915289102 32 1,000 SH OTHER 1,000
UNUMPROVIDENT CORP COM 91529Y106 9 590 SH DEFINED 590
UNUMPROVIDENT CORP COM 91529Y106 366 24,795 SH OTHER 17,681 7,114
V F CORP COM 918204108 1,911 49,116 SH DEFINED 49,116
V F CORP COM 918204108 311 8,000 SH OTHER 8,000
VERIZON COMMUNICATIONS COM 92343V104 5,842 180,088 SH DEFINED 163,508 488 16,092
VERIZON COMMUNICATIONS COM 92343V104 2,227 68,663 SH OTHER 45,845 18,214 4,604
VIACOM INC CL A 925524100 1,179 30,695 SH DEFINED 30,695
VIACOM INC CL A 925524100 11 290 SH OTHER 200 90
VIACOM INC CL B 925524308 2,926 76,403 SH DEFINED 69,902 4,678 1,823
VIACOM INC CL B 925524308 171 4,473 SH OTHER 3,375 1,098
VITESSE SEMICONDUCTOR CORP COM 928497106 74 11,600 SH DEFINED 11,600
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 1,261 71,000 SH DEFINED 71,000
VIVENDI UNIVERSAL SPON ADR NEW 92851S204 68 3,840 SH OTHER 3,840
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 537 26,521 SH DEFINED 24,446 2,075
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 297 14,651 SH OTHER 3,575 5,456 5,620
VULCAN MATERIALS CO COM 929160109 6,149 154,082 SH DEFINED 154,082
VULCAN MATERIALS CO COM 929160109 10,668 267,301 SH OTHER 200,564 5,219 61,518
WACHOVIA CORP COM 929903102 3,623 87,965 SH DEFINED 83,413 1,410 3,142
WACHOVIA CORP COM 929903102 796 19,335 SH OTHER 10,443 8,682 210
WADDELL & REED FINL INC CL A CL A 930059100 358 15,174 SH DEFINED 15,174
WADDELL & REED FINL INC CL A CL A 930059100 1,475 62,563 SH OTHER 60,200 2,363
WAL MART STORES INC COM 931142103 15,226 272,626 SH DEFINED 256,472 16,154
WAL MART STORES INC COM 931142103 4,788 85,733 SH OTHER 63,213 21,363 1,157
WALGREEN CO COM 931422109 2,412 78,713 SH DEFINED 75,426 3,287
WALGREEN CO COM 931422109 107 3,482 SH OTHER 1,600 1,400 482
WASHINGTON MUTUAL INC COM 939322103 2,036 51,726 SH DEFINED 49,730 1,996
WASHINGTON MUTUAL INC COM 939322103 436 11,076 SH OTHER 10,676 130 270
WASTE MANAGEMENT COM COM 94106L109 1,902 72,668 SH DEFINED 24,113 48,555
WASTE MANAGEMENT COM COM 94106L109 6 245 SH OTHER 100 145
WELLS FARGO & CO NEW COM 949746101 6,662 129,362 SH DEFINED 127,672 500 1,190
WELLS FARGO & CO NEW COM 949746101 1,022 19,840 SH OTHER 12,700 7,000 140
WESBANCO INC COM 950810101 491 20,908 SH DEFINED 20,908
WEYERHAEUSER CO COM 962166104 3,500 59,888 SH DEFINED 52,218 7,670
WEYERHAEUSER CO COM 962166104 394 6,744 SH OTHER 5,069 1,430 245
WILLIAMS COS INC COM 969457100 41 4,300 SH DEFINED 4,300
WILLIAMS COS INC COM 969457100 65 6,850 SH OTHER 6,350 500
WILMINGTON TR CORP COM 971807102 281 9,150 SH DEFINED 9,150
WILMINGTON TR CORP COM 971807102 9 300 SH OTHER 300
WISCONSIN ENERGY CORP COM 976657106 430 14,075 SH DEFINED 14,075
WISCONSIN ENERGY CORP COM 976657106 3 110 SH OTHER 110
WRIGLEY WM JR CO COM 982526105 2,861 51,738 SH DEFINED 51,604 134
WRIGLEY WM JR CO COM 982526105 732 13,242 SH OTHER 12,200 1,000 42
WYETH COM 983024100 11,411 247,536 SH DEFINED 230,646 2,800 14,090
WYETH COM 983024100 4,285 92,953 SH OTHER 80,713 11,157 1,083
XTO ENERGY INC COM 98385X106 437 20,827 SH DEFINED 19,698 900 229
XILINX INC COM 983919101 1,637 57,585 SH DEFINED 55,459 2,126
XILINX INC COM 983919101 8 275 SH OTHER 250 25
XEROX CORP COM 984121103 163 15,917 SH DEFINED 13,525 2,392
YAHOO INC COM 984332106 342 9,668 SH DEFINED 8,089 1,579
YAHOO INC COM 984332106 80 2,262 SH OTHER 2,262
YUM BRANDS INC COM 988498101 1,406 47,458 SH DEFINED 1,435 46,023
YUM BRANDS INC COM 988498101 22 732 SH OTHER 300 432
ZIMMER HLDGS INC COM 98956P102 468 8,499 SH DEFINED 7,564 935
ZIMMER HLDGS INC COM 98956P102 165 2,989 SH OTHER 2,430 239 320