TABLE A-3
                                                  INSTITUTIONS WITH TRUST ASSETS
                                                   (DOLLAR AMOUNTS IN PERCENTS)
                                                        DECEMBER 31, 1999
                                                               TRUSTS AND ESTATES                    AGENCIES
                                                      -----------------------------------------------------------------------------
                                                         EMPLOYEE     PERSONAL     ESTATES      EMPLOYEE      ALL            TOTAL
    ASSET CATEGORY                               ITEM    BENEFIT      TRUSTS                    BENEFIT       OTHERS
------------------------------------------------ ---- -----------------------------------------------------------------------------
NON-INT BEARING DEPOSITS-OWN INSTITUTION          1           .2           .0           .2           .0           .3             .1
NON-INT BEARING DEPOSITS-OTHER INSTITUTIONS       2           .4           .0           .1           .1           .1             .1
INTEREST-BEARING DEPOSITS-OWN INSTITUTION         3           .5           .5          2.9           .1           .3             .4
INTEREST-BEARING DEPOSITS-OTHER INSTITUTIONS      4          4.5           .3           .8          1.0          4.8            2.9
U.S. GOVERNMENT AND AGENCY OBLIGATIONS            5          5.8          5.7          7.9          7.9         11.8            8.0
STATE, COUNTY AND MUNICIPAL OBLIGATIONS           6           .1          8.4          5.6           .1          8.1            4.3
MONEY MARKET MUTUAL FUNDS                         7          1.8          4.5         15.7           .9          6.8            3.8
OTHER SHORT TERM OBLIGATIONS                      8         13.3          1.5          1.8         12.6         13.7           10.6
OTHER NOTES AND BONDS                             9         10.6          3.7          1.9          7.4          9.1            7.9
COMMON AND PREFERRED STOCKS                      10         60.0         71.2         53.0         68.2         43.7           59.2
REAL ESTATE MORTGAGES                            11           .5           .2           .6           .1           .0             .2
REAL ESTATE                                      12           .5          2.2          7.2           .2           .3             .8
MISCELLANEOUS ASSETS                             13          1.9          1.8          2.3          1.4          1.2            1.6
                                                    --------------------------------------------------------------------------------
TOTAL DISCRETIONARY ASSETS                       14*       100.0        100.0        100.0        100.0        100.0          100.0
 
                      DISCRETIONARY AND NON-DISCRETIONARY TRUST ASSETS AS A PERCENTAGE OF TOTAL TRUST ASSETS
                                                   (DOLLAR AMOUNTS IN PERCENTS)
                                                               TRUSTS AND ESTATES                    AGENCIES
                                                         --------------------------------------------------------------------------
                                                         EMPLOYEE     PERSONAL     ESTATES      EMPLOYEE      ALL            TOTAL
                                                         BENEFIT      TRUSTS                    BENEFIT       OTHERS
                                                         --------------------------------------------------------------------------
DISCRETIONARY ASSETS                                         5.3          4.2           .1          3.9          5.7           19.2
NON-DISCRETIONARY ASSETS                                    17.2           .7           .0         10.2         52.7           80.8
TOTALS                                                      22.5          4.9           .1         14.1         58.4          100.0
* NOTE: DUE TO ROUNDING, PERCENTAGES MAY NOT ADD UP TO EXACTLY 100.0