13F-HR 1 sec13f032902.htm

<TYPE> 13F-HR

<PERIOD> 3/29/02

<FILER>

<CIK> 0001105837

<CCC> *jgcozif

</FILER>

<SROS> NONE

<DOCUMENT-COUNT> 1

<SUBMISSION-CONTACT>

<NAME> THOMAS R HESSMAN

<PHONE> (203)578-2336

</SUBMISSION-CONTACT>

<TYPE> 13F-HR

<DESCRIPTION> 13F FILING */DOCUMENT DES

<TEXT> UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 13F

FORM 13F COVER PAGE

REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 3/29/02

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: WEBSTER TRUST COMPANY NA */INVESTMENT MANAGER NAM

ADDRESS: WEBSTER PLAZA/PB805 */IN

*/IN

WATERBURY */IN, CT 06702

13F FILE NUMBER: 028-5301

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: THOMAS R HESSMAN

TITLE: SENIOR VP & CFO

PHONE: (203)578-2336

SIGNATURE,PLACE,AND DATE OF SIGNING:

THOMAS R HESSMAN WATERBURY, CT 4/6/02

REPORT TYPE (CHECK ONLY ONE.):

( X) 13F HOLDINGS REPORT

( ) 13F NOTICE

( ) 13F COMBINATION REPORT

LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:

NONE

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

<PAGE>

FORM 13F SUMMARY PAGE

REPORT SUMMARY:

NUMBER OF OTHER INCLUDED MANAGERS: 0

FORM 13F INFORMATION TABLE ENTRY TOTAL: 294

FORM 13F INFORMATION TABLE VALUE TOTAL: $418,786

<PAGE>

FORM 13F INFORMATION TABLE

VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY

NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE

------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

ABBOTT LABS INC COMMON STOCK 002824100 1690 32133 SH SOLE 30433 0 1700

ABBOTT LABS INC COMMON STOCK 002824100 768 14600 SH OTHER 12200 2400 0

AETNA INC COMMON STOCK 00817Y108 540 13917 SH SOLE 13917 0 0

AETNA INC COMMON STOCK 00817Y108 68 1756 SH OTHER 1556 200 0

AFLAC INC COMMON STOCK 001055102 577 19550 SH SOLE 19550 0 0

AFLAC INC COMMON STOCK 001055102 13 450 SH OTHER 0 450 0

ALLEGHENY ENERGY COMMON STOCK 017361106 41 1000 SH SOLE 1000 0 0

ALLEGHENY ENERGY COMMON STOCK 017361106 195 4714 SH OTHER 4714 0 0

ALLSTATE CORP COMMON STOCK 020002101 592 15668 SH SOLE 15668 0 0

ALLTEL CORP COMMON STOCK 020039103 249 4474 SH SOLE 4474 0 0

ALLTEL CORP COMMON STOCK 020039103 56 1000 SH OTHER 1000 0 0

AMERICAN ELEC POWER COMMON STOCK 025537101 473 10273 SH SOLE 10273 0 0

AMERICAN ELEC POWER COMMON STOCK 025537101 58 1250 SH OTHER 1250 0 0

AMERICAN EXPRESS CO COMMON STOCK 025816109 883 21563 SH SOLE 20363 0 1200

AMERICAN EXPRESS CO COMMON STOCK 025816109 49 1200 SH OTHER 1200 0 0

AMERICAN INT'L GROUP INC COMMON STOCK 026874107 4391 60872 SH SOLE 60872 0 0

AMERICAN INT'L GROUP INC COMMON STOCK 026874107 471 6526 SH OTHER 4829 1247 450

AMGEN INC COMMON STOCK 031162100 1129 18915 SH SOLE 18865 0 50

AMGEN INC COMMON STOCK 031162100 186 3110 SH OTHER 3110 0 0

ANADARKO PETE CORP COM COMMON STOCK 032511107 179 3180 SH SOLE 3180 0 0

ANADARKO PETE CORP COM COMMON STOCK 032511107 30 531 SH OTHER 300 231 0

ANALOG DEVICES INC COMMON STOCK 032654105 902 20020 SH SOLE 20020 0 0

ANALOG DEVICES INC COMMON STOCK 032654105 153 3400 SH OTHER 3400 0 0

ANHEUSER BUSCH COS INC COMMON STOCK 035229103 352 6748 SH SOLE 6748 0 0

ANHEUSER BUSCH COS INC COMMON STOCK 035229103 52 1000 SH OTHER 1000 0 0

AOL TIME WARNER INC COMMON STOCK 00184A105 373 15770 SH SOLE 15770 0 0

AOL TIME WARNER INC COMMON STOCK 00184A105 123 5200 SH OTHER 5200 0 0

ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 672 48231 SH OTHER 48231 0 0

AT&T CORP COMMON STOCK 001957109 2183 139037 SH SOLE 136837 0 2200

AT&T CORP COMMON STOCK 001957109 477 30358 SH OTHER 27134 3224 0

AT&T WIRELESS SERVICES COMMON STOCK 00209A106 171 19125 SH SOLE 19125 0 0

AT&T WIRELESS SERVICES COMMON STOCK 00209A106 66 7411 SH OTHER 6922 489 0

AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 2222 38128 SH SOLE 38128 0 0

AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 233 4000 SH OTHER 3500 500 0

AVON PRODS INC COMMON STOCK 054303102 373 6875 SH SOLE 6875 0 0

AVON PRODS INC COMMON STOCK 054303102 42 764 SH OTHER 764 0 0

BAKER HUGHES INC COM COMMON STOCK 057224107 187 4890 SH SOLE 4890 0 0

BAKER HUGHES INC COM COMMON STOCK 057224107 32 832 SH OTHER 0 832 0

BANK NEW YORK INC COMMON STOCK 064057102 2007 47762 SH SOLE 47762 0 0

BANK NEW YORK INC COMMON STOCK 064057102 203 4824 SH OTHER 4824 0 0

BANK OF AMERICA CORP COMMON STOCK 060505104 1741 25601 SH SOLE 25601 0 0

BANK OF AMERICA CORP COMMON STOCK 060505104 205 3019 SH OTHER 2307 712 0

BAXTER INTERNATIONAL INC COMMON STOCK 071813109 919 15434 SH SOLE 15434 0 0

BAXTER INTERNATIONAL INC COMMON STOCK 071813109 202 3400 SH OTHER 3400 0 0

BECTON DICKINSON & CO COMMON STOCK 075887109 283 7500 SH SOLE 7500 0 0

BELLSOUTH CORP COMMON STOCK 079860102 1604 43523 SH SOLE 43523 0 0

BELLSOUTH CORP COMMON STOCK 079860102 693 18804 SH OTHER 17754 1050 0

BERKSHIRE HATHAWAY INC CL B DE COMMON STOCK 084670207 298 126 SH SOLE 126 0 0

BERKSHIRE HATHAWAY INC CL B DE COMMON STOCK 084670207 73 31 SH OTHER 31 0 0

BP P.L.C. SPNSD ADR COMMON STOCK 055622104 2077 39121 SH SOLE 39121 0 0

BP P.L.C. SPNSD ADR COMMON STOCK 055622104 6441 121296 SH OTHER 119910 328 1058

BRINKER INTL INC COMMON STOCK 109641100 415 12800 SH SOLE 12800 0 0

BRINKER INTL INC COMMON STOCK 109641100 23 700 SH OTHER 700 0 0

BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 3765 92987 SH SOLE 90187 1200 1600

BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 2348 57985 SH OTHER 55385 2600 0

CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 147 2300 SH SOLE 2300 0 0

CAPITAL ONE FINANCIAL COMMON STOCK 14040H105 306 4800 SH OTHER 4800 0 0

CARDINAL HEALTH INC COMMON STOCK 14149Y108 417 5882 SH SOLE 5882 0 0

CARDINAL HEALTH INC COMMON STOCK 14149Y108 232 3270 SH OTHER 3270 0 0

CATERPILLAR INC DEL COMMON STOCK 149123101 858 15100 SH SOLE 15100 0 0

CHEVRONTEXACO CORP COMMON STOCK 166764100 2352 26054 SH SOLE 26054 0 0

CHEVRONTEXACO CORP COMMON STOCK 166764100 1116 12359 SH OTHER 12359 0 0

CIGNA CORP COMMON STOCK 125509109 6067 59835 SH SOLE 59835 0 0

CIGNA CORP COMMON STOCK 125509109 176 1734 SH OTHER 1734 0 0

CISCO SYSTEMS INC COMMON STOCK 17275R102 2222 131248 SH SOLE 130548 0 700

CISCO SYSTEMS INC COMMON STOCK 17275R102 338 19950 SH OTHER 19650 300 0

CITIGROUP INC COMMON STOCK 172967101 10341 208825 SH SOLE 208725 0 100

CITIGROUP INC COMMON STOCK 172967101 1117 22552 SH OTHER 20202 2350 0

COCA COLA CO COM COMMON STOCK 191216100 3771 72150 SH SOLE 69850 0 2300

COCA COLA CO COM COMMON STOCK 191216100 1092 20900 SH OTHER 17950 2950 0

COLGATE-PALMOLIVE COMMON STOCK 194162103 391 6838 SH SOLE 6838 0 0

COMPAQ COMPUTER CORP COMMON STOCK 204493100 139 13328 SH SOLE 13328 0 0

COMPAQ COMPUTER CORP COMMON STOCK 204493100 21 2000 SH OTHER 2000 0 0

COMPUTER SCIENCES CORP COMMON STOCK 205363104 223 4389 SH SOLE 4389 0 0

COMPUTER SCIENCES CORP COMMON STOCK 205363104 39 775 SH OTHER 775 0 0

CONOCO INC COMMON STOCK 208251504 715 24510 SH SOLE 24510 0 0

CONOCO INC COMMON STOCK 208251504 21 733 SH OTHER 733 0 0

CONSOLIDATED EDISON INC COMMON STOCK 209115104 1013 24173 SH SOLE 24173 0 0

CONSOLIDATED EDISON INC COMMON STOCK 209115104 94 2250 SH OTHER 2100 150 0

COSTCO WHSL CORP NEW COMMON STOCK 22160K105 794 19950 SH SOLE 19950 0 0

COSTCO WHSL CORP NEW COMMON STOCK 22160K105 48 1200 SH OTHER 1200 0 0

COUNTRYWIDE CR INDS INC COM COMMON STOCK 222372104 321 7176 SH SOLE 7176 0 0

CVS CORP COMMON STOCK 126650100 231 6730 SH SOLE 6730 0 0

CVS CORP COMMON STOCK 126650100 151 4400 SH OTHER 2600 1800 0

DOMINION RES INC VA COMMON STOCK 25746U109 146 2240 SH SOLE 2240 0 0

DOMINION RES INC VA COMMON STOCK 25746U109 83 1272 SH OTHER 672 300 300

DOW CHEM COMPANY COM COMMON STOCK 260543103 1885 57597 SH SOLE 57597 0 0

DOW CHEM COMPANY COM COMMON STOCK 260543103 4927 150586 SH OTHER 149686 900 0

DST SYS INC DEL COMMON STOCK 233326107 390 7825 SH SOLE 7825 0 0

DST SYS INC DEL COMMON STOCK 233326107 15 300 SH OTHER 300 0 0

DU PONT EI DE NEMOURS & CO COMMON STOCK 263534109 1385 29379 SH SOLE 29379 0 0

DU PONT EI DE NEMOURS & CO COMMON STOCK 263534109 198 4198 SH OTHER 4198 0 0

DUKE ENERGY CORP COMMON STOCK 264399106 814 21540 SH SOLE 21340 0 200

DUKE ENERGY CORP COMMON STOCK 264399106 83 2200 SH OTHER 2200 0 0

E M C CORP MASS COMMON STOCK 268648102 1149 96427 SH SOLE 96427 0 0

E M C CORP MASS COMMON STOCK 268648102 69 5800 SH OTHER 3300 2500 0

EASTERN CO COM COMMON STOCK 276317104 443 27434 SH SOLE 27434 0 0

EASTMAN KODAK COMPANY COM COMMON STOCK 277461109 346 11106 SH SOLE 11106 0 0

EASTMAN KODAK COMPANY COM COMMON STOCK 277461109 30 976 SH OTHER 751 225 0

EATON CORP COMMON STOCK 278058102 264 3260 SH SOLE 3260 0 0

EL PASO CORPORATION COMMON STOCK 28336L109 276 6272 SH SOLE 6272 0 0

ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 509 8777 SH SOLE 8777 0 0

ELECTRONIC DATA SYSTEMS COMMON STOCK 285661104 23 400 SH OTHER 400 0 0

ELI LILLY & CO COMMON STOCK 532457108 637 8360 SH SOLE 8360 0 0

ELI LILLY & CO COMMON STOCK 532457108 396 5192 SH OTHER 4910 282 0

EMERSON ELECTRIC COMMON STOCK 291011104 255 4440 SH SOLE 4440 0 0

EMERSON ELECTRIC COMMON STOCK 291011104 155 2700 SH OTHER 2700 0 0

EXXON MOBIL CORP COMMON STOCK 30231G102 18412 420076 SH SOLE 418695 1056 325

EXXON MOBIL CORP COMMON STOCK 30231G102 50382 1149494 SH OTHER 1137998 9346 2150

FANNIE MAE COMMON STOCK 313586109 3381 42328 SH SOLE 41478 0 850

FANNIE MAE COMMON STOCK 313586109 490 6136 SH OTHER 4786 1000 350

FIRST DATA CORP COM COMMON STOCK 319963104 1915 21950 SH SOLE 21950 0 0

FIRST DATA CORP COM COMMON STOCK 319963104 375 4300 SH OTHER 4200 100 0

FLEET BOSTON FINANCIAL CORP COMMON STOCK 339030108 966 27609 SH SOLE 26807 0 802

FLEET BOSTON FINANCIAL CORP COMMON STOCK 339030108 569 16250 SH OTHER 16250 0 0

FORD MOTOR CO COMMON STOCK 345370860 102 6201 SH SOLE 6201 0 0

FORD MOTOR CO COMMON STOCK 345370860 188 11373 SH OTHER 11373 0 0

FORTUNE BRANDS INC COMMON STOCK 349631101 225 4560 SH SOLE 4560 0 0

FORTUNE BRANDS INC COMMON STOCK 349631101 101 2050 SH OTHER 2050 0 0

FPL GROUP INC COMMON STOCK 302571104 317 5330 SH SOLE 5330 0 0

FPL GROUP INC COMMON STOCK 302571104 33 550 SH OTHER 150 400 0

GANNETT CO INC COMMON STOCK 364730101 215 2820 SH SOLE 2820 0 0

GANNETT CO INC COMMON STOCK 364730101 76 1000 SH OTHER 800 200 0

GATEWAY INC COMMON STOCK 367626108 78 12340 SH SOLE 12340 0 0

GATEWAY INC COMMON STOCK 367626108 3 400 SH OTHER 400 0 0

GENERAL ELECTRIC CORP COMMON STOCK 369604103 17754 474068 SH SOLE 465518 3650 4900

GENERAL ELECTRIC CORP COMMON STOCK 369604103 27248 727574 SH OTHER 716833 10216 525

GENERAL MILLS COMMON STOCK 370334104 116 2370 SH SOLE 2370 0 0

GENERAL MILLS COMMON STOCK 370334104 96 1960 SH OTHER 1960 0 0

GENERAL MTRS CORP COMMON STOCK 370442105 750 12410 SH SOLE 12410 0 0

GENERAL MTRS CORP COMMON STOCK 370442105 87 1438 SH OTHER 1438 0 0

GILLETTE CO COMMON STOCK 375766102 680 20007 SH SOLE 20007 0 0

GILLETTE CO COMMON STOCK 375766102 121 3572 SH OTHER 3270 302 0

GUIDANT CORP COM COMMON STOCK 401698105 192 4440 SH SOLE 4440 0 0

GUIDANT CORP COM COMMON STOCK 401698105 13 300 SH OTHER 300 0 0

HALLIBURTON CO COMMON STOCK 406216101 243 14221 SH SOLE 14221 0 0

HALLIBURTON CO COMMON STOCK 406216101 29 1700 SH OTHER 1700 0 0

HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 979 14370 SH SOLE 14370 0 0

HARTFORD FINL SVCS GROUP INC COMMON STOCK 416515104 27 400 SH OTHER 400 0 0

HEALTHSOUTH CORP. COMMON STOCK 421924101 146 10164 SH SOLE 10164 0 0

HEINZ H J CO COMMON STOCK 423074103 141 3395 SH SOLE 3395 0 0

HEINZ H J CO COMMON STOCK 423074103 147 3540 SH OTHER 3540 0 0

HEWLETT-PACKARD CO COMMON STOCK 428236103 813 45331 SH SOLE 42331 3000 0

HEWLETT-PACKARD CO COMMON STOCK 428236103 266 14800 SH OTHER 12800 2000 0

HOME DEPOT INC COMMON STOCK 437076102 3257 67008 SH SOLE 67008 0 0

HOME DEPOT INC COMMON STOCK 437076102 390 8025 SH OTHER 7875 150 0

HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 464 12137 SH SOLE 12137 0 0

HONEYWELL INTERNATIONAL INC COMMON STOCK 438516106 133 3463 SH OTHER 3463 0 0

IBM CORPORATION COMMON STOCK 459200101 11115 106871 SH SOLE 105761 475 635

IBM CORPORATION COMMON STOCK 459200101 1984 19075 SH OTHER 18575 175 325

ILLINOIS TOOL WORKS COMMON STOCK 452308109 653 9021 SH SOLE 8521 0 500

ILLINOIS TOOL WORKS COMMON STOCK 452308109 47 645 SH OTHER 645 0 0

INGERSOLL-RAND CO-CL A COMMON STOCK G4776G101 2452 49022 SH SOLE 49022 0 0

INGERSOLL-RAND CO-CL A COMMON STOCK G4776G101 39 780 SH OTHER 480 300 0

INTEL CORP COMMON STOCK 458140100 4400 144687 SH SOLE 143187 0 1500

INTEL CORP COMMON STOCK 458140100 536 17635 SH OTHER 15735 1900 0

INTERNATIONAL PAPER COM COMMON STOCK 460146103 242 5636 SH SOLE 5636 0 0

INTERNATIONAL PAPER COM COMMON STOCK 460146103 19 439 SH OTHER 439 0 0

ITT INDS INC IND COMMON STOCK 450911102 382 6064 SH SOLE 6064 0 0

ITT INDS INC IND COMMON STOCK 450911102 52 820 SH OTHER 820 0 0

JOHNSON & JOHNSON COMMON STOCK 478160104 4989 76813 SH SOLE 74113 0 2700

JOHNSON & JOHNSON COMMON STOCK 478160104 1293 19910 SH OTHER 16410 3500 0

JOHNSON CTLS INC COMMON STOCK 478366107 1253 14190 SH SOLE 14190 0 0

JOHNSON CTLS INC COMMON STOCK 478366107 35 400 SH OTHER 400 0 0

JP MORGAN CHASE & CO COMMON STOCK 46625H100 7665 214996 SH SOLE 214626 370 0

JP MORGAN CHASE & CO COMMON STOCK 46625H100 2261 63425 SH OTHER 56390 7035 0

KIMBERLY-CLARK CORP COMMON STOCK 494368103 298 4611 SH SOLE 4611 0 0

KROGER COMMON STOCK 501044101 1490 67250 SH SOLE 65650 0 1600

KROGER COMMON STOCK 501044101 71 3200 SH OTHER 2900 300 0

LOCKHEED MARTIN CORP COMMON STOCK 539830109 285 4950 SH SOLE 4950 0 0

LOCKHEED MARTIN CORP COMMON STOCK 539830109 23 400 SH OTHER 400 0 0

LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 480 101407 SH SOLE 101207 0 200

LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 114 24078 SH OTHER 22802 1276 0

MACDERMID INC COMMON STOCK 554273102 742 34275 SH SOLE 34275 0 0

MAY DEPT STORES CO COMMON STOCK 577778103 375 10750 SH SOLE 10750 0 0

MBNA CORPORATION COMMON STOCK 55262L100 693 17960 SH SOLE 17960 0 0

MBNA CORPORATION COMMON STOCK 55262L100 15 400 SH OTHER 400 0 0

MCDONALDS CORP COMMON STOCK 580135101 280 10087 SH SOLE 10087 0 0

MCDONALDS CORP COMMON STOCK 580135101 108 3888 SH OTHER 3288 600 0

MCGRAW HILL COMPANIES INC COMMON STOCK 580645109 27 400 SH SOLE 400 0 0

MCGRAW HILL COMPANIES INC COMMON STOCK 580645109 273 4000 SH OTHER 4000 0 0

MEDTRONIC COMMON STOCK 585055106 1838 40661 SH SOLE 39961 0 700

MEDTRONIC COMMON STOCK 585055106 119 2625 SH OTHER 2525 100 0

MELLON FINL CORP COMMON STOCK 58551A108 270 7000 SH SOLE 7000 0 0

MELLON FINL CORP COMMON STOCK 58551A108 77 2000 SH OTHER 2000 0 0

MERCK & CO INC COMMON STOCK 589331107 4580 79534 SH SOLE 78234 1200 100

MERCK & CO INC COMMON STOCK 589331107 941 16337 SH OTHER 14112 1900 325

MERRILL LYNCH & CO INC COMMON STOCK 590188108 1168 21092 SH SOLE 20042 0 1050

MERRILL LYNCH & CO INC COMMON STOCK 590188108 28 500 SH OTHER 500 0 0

MICROSOFT CORP COMMON STOCK 594918104 5203 86272 SH SOLE 85672 0 600

MICROSOFT CORP COMMON STOCK 594918104 675 11200 SH OTHER 11000 200 0

MINNESOTA MINING COMMON STOCK 604059105 1492 12975 SH SOLE 11975 400 600

MINNESOTA MINING COMMON STOCK 604059105 644 5600 SH OTHER 4700 900 0

MOTOROLA INC COMMON STOCK 620076109 717 50496 SH SOLE 50496 0 0

MOTOROLA INC COMMON STOCK 620076109 126 8850 SH OTHER 7350 1500 0

NOKIA CORP SPNSD ADR COMMON STOCK 654902204 335 16130 SH SOLE 16130 0 0

NOKIA CORP SPNSD ADR COMMON STOCK 654902204 89 4300 SH OTHER 4300 0 0

NORTEL NETWORKS CORP NEW COMMON STOCK 656568102 76 16925 SH SOLE 16925 0 0

NORTEL NETWORKS CORP NEW COMMON STOCK 656568102 3 600 SH OTHER 600 0 0

NORTHEAST UTILITIES COMMON STOCK 664397106 196 9867 SH SOLE 9867 0 0

NORTHEAST UTILITIES COMMON STOCK 664397106 22 1086 SH OTHER 1086 0 0

NORTHERN TRUST COMMON STOCK 665859104 872 14500 SH SOLE 14500 0 0

ORACLE CORPORATION COM COMMON STOCK 68389X105 1295 101156 SH SOLE 101156 0 0

ORACLE CORPORATION COM COMMON STOCK 68389X105 105 8175 SH OTHER 7075 1100 0

PEPSICO INC COMMON STOCK 713448108 2848 55295 SH SOLE 55295 0 0

PEPSICO INC COMMON STOCK 713448108 430 8354 SH OTHER 6604 1200 550

PFIZER INC COMMON STOCK 717081103 7324 184294 SH SOLE 179394 100 4800

PFIZER INC COMMON STOCK 717081103 2350 59128 SH OTHER 32515 26613 0

PHARMACIA CORP COMMON STOCK 71713U102 585 12966 SH SOLE 12966 0 0

PHARMACIA CORP COMMON STOCK 71713U102 122 2700 SH OTHER 2400 300 0

PHILIP MORRIS COMPANIES INC CO COMMON STOCK 718154107 946 17952 SH SOLE 17952 0 0

PHILIP MORRIS COMPANIES INC CO COMMON STOCK 718154107 155 2950 SH OTHER 2950 0 0

PRAXAIR INC COMMON STOCK 74005P104 271 4540 SH SOLE 4540 0 0

PRAXAIR INC COMMON STOCK 74005P104 21 350 SH OTHER 350 0 0

PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 8031 89148 SH SOLE 87198 0 1950

PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 1406 15605 SH OTHER 14755 850 0

PROGRESS ENERGY INC COMMON STOCK 743263105 127 2537 SH SOLE 2537 0 0

PROGRESS ENERGY INC COMMON STOCK 743263105 123 2466 SH OTHER 2466 0 0

PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 112 2436 SH SOLE 2436 0 0

PUBLIC SERVICE ENTERPRISE GROU COMMON STOCK 744573106 128 2797 SH OTHER 2797 0 0

ROYAL DUTCH PETRO NY REG SH AD COMMON STOCK 780257804 1845 33974 SH SOLE 33974 0 0

ROYAL DUTCH PETRO NY REG SH AD COMMON STOCK 780257804 374 6889 SH OTHER 6639 250 0

SARA LEE CORP COM COMMON STOCK 803111103 184 8875 SH SOLE 8875 0 0

SARA LEE CORP COM COMMON STOCK 803111103 42 2000 SH OTHER 1400 600 0

SBC COMMUNICATIONS INC COMMON STOCK 78387G103 3081 82280 SH SOLE 82280 0 0

SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1085 28977 SH OTHER 25264 3713 0

SCHERING-PLOUGH CORP COMMON STOCK 806605101 583 18625 SH SOLE 18625 0 0

SCHERING-PLOUGH CORP COMMON STOCK 806605101 25 800 SH OTHER 800 0 0

SCHLUMBERGER LTD COMMON STOCK 806857108 2253 38296 SH SOLE 38296 0 0

SCHLUMBERGER LTD COMMON STOCK 806857108 342 5806 SH OTHER 5455 351 0

SEARS ROEBUCK & CO COMMON STOCK 812387108 543 10596 SH SOLE 10596 0 0

SUN MICROSYSTEMS INC COMMON STOCK 866810104 705 79900 SH SOLE 79900 0 0

SUN MICROSYSTEMS INC COMMON STOCK 866810104 49 5530 SH OTHER 5530 0 0

SYSCO CORP COMMON STOCK 871829107 687 23050 SH SOLE 23050 0 0

SYSCO CORP COMMON STOCK 871829107 24 800 SH OTHER 800 0 0

TARGET CORP COMMON STOCK 87612E106 1501 34815 SH SOLE 33915 0 900

TARGET CORP COMMON STOCK 87612E106 121 2800 SH OTHER 2400 400 0

TECO ENERGY INC COMMON STOCK 872375100 196 6847 SH SOLE 6847 0 0

TECO ENERGY INC COMMON STOCK 872375100 44 1550 SH OTHER 1550 0 0

TEXAS INSTRUMENTS COMMON STOCK 882508104 337 10181 SH SOLE 10181 0 0

TEXAS INSTRUMENTS COMMON STOCK 882508104 7 200 SH OTHER 200 0 0

TEXTRON INC COMMON STOCK 883203101 227 4435 SH SOLE 4435 0 0

TEXTRON INC COMMON STOCK 883203101 166 3250 SH OTHER 3250 0 0

THE STANLEY WORKS COMMON STOCK 854616109 1675 36211 SH SOLE 36211 0 0

THE STANLEY WORKS COMMON STOCK 854616109 273 5902 SH OTHER 5902 0 0

TJX COMPANIES COMMON STOCK 872540109 295 7375 SH SOLE 7375 0 0

TRW INC COM COMMON STOCK 872649108 268 5200 SH SOLE 5200 0 0

TRW INC COM COMMON STOCK 872649108 13 248 SH OTHER 248 0 0

UNILEVER NY NY SHARE F COMMON STOCK 904784709 339 5970 SH SOLE 5970 0 0

UNILEVER NY NY SHARE F COMMON STOCK 904784709 10 178 SH OTHER 178 0 0

UNION PAC CORP COMMON STOCK 907818108 239 3844 SH SOLE 3844 0 0

UNION PAC CORP COMMON STOCK 907818108 62 1000 SH OTHER 400 600 0

UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 669 9016 SH SOLE 8816 0 200

UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 193 2600 SH OTHER 1600 1000 0

UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 2116 27690 SH SOLE 27090 0 600

UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 149 1950 SH OTHER 1700 250 0

US BANCORP COMMON STOCK 902973304 239 10600 SH SOLE 10600 0 0

US BANCORP COMMON STOCK 902973304 21 912 SH OTHER 912 0 0

VERIZON COMMUNICATIONS COMMON STOCK 92343V104 3809 82618 SH SOLE 82068 0 550

VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1119 24271 SH OTHER 22903 1368 0

VIACOM INC CL B COMMON STOCK 925524308 213 4404 SH SOLE 4404 0 0

VIACOM INC CL B COMMON STOCK 925524308 19 396 SH OTHER 396 0 0

VODAFONE GROUP PLC-ADR COMMON STOCK 92857W100 447 24247 SH SOLE 24247 0 0

VODAFONE GROUP PLC-ADR COMMON STOCK 92857W100 106 5740 SH OTHER 5635 105 0

WACHOVIA CORP COMMON STOCK 929903102 385 10393 SH SOLE 10393 0 0

WACHOVIA CORP COMMON STOCK 929903102 12 320 SH OTHER 320 0 0

WALGREEN COMPANY COMMON STOCK 931422109 223 5700 SH SOLE 5700 0 0

WALGREEN COMPANY COMMON STOCK 931422109 29 750 SH OTHER 750 0 0

WALMART STORES INC COMMON STOCK 931142103 4079 66547 SH SOLE 66432 0 115

WALMART STORES INC COMMON STOCK 931142103 522 8520 SH OTHER 7945 125 450

WALT DISNEY COMPANY COMMON STOCK 254687106 2161 93632 SH SOLE 93432 0 200

WALT DISNEY COMPANY COMMON STOCK 254687106 324 14055 SH OTHER 13455 600 0

WEBSTER FINL CORP WATERBURY CT COMMON STOCK 947890109 37065 990241 SH SOLE 956549 0 33692

WEBSTER FINL CORP WATERBURY CT COMMON STOCK 947890109 67 1800 SH OTHER 0 0 1800

WELLS FARGO & CO NEW COMMON STOCK 949746101 2537 51359 SH SOLE 51359 0 0

WELLS FARGO & CO NEW COMMON STOCK 949746101 326 6600 SH OTHER 6500 100 0

WENDYS INTERNATIONAL INC COMMON STOCK 950590109 248 7100 SH SOLE 7100 0 0

WENDYS INTERNATIONAL INC COMMON STOCK 950590109 21 600 SH OTHER 600 0 0

WORLDCOM INC - WORLDCOM GROUP COMMON STOCK 98157D106 546 80998 SH SOLE 80998 0 0

WORLDCOM INC - WORLDCOM GROUP COMMON STOCK 98157D106 22 3230 SH OTHER 2480 750 0

WYETH COMMON STOCK 983024100 9174 139736 SH SOLE 138296 1440 0

WYETH COMMON STOCK 983024100 13617 207419 SH OTHER 206169 800 450

XEROX CORPORATION COMMON STOCK 984121103 177 16425 SH SOLE 16425 0 0

XEROX CORPORATION COMMON STOCK 984121103 39 3600 SH OTHER 3000 600 0

ZIMMER HLDGS INC COMMON STOCK 98956P102 155 4555 SH SOLE 4435 120 0

ZIMMER HLDGS INC COMMON STOCK 98956P102 162 4747 SH OTHER 4497 250 0

GLAXO SMITHKLINE SPONSORED ADR COMMON STOCK 37733W105 399 8485 SH SOLE 8485 0 0

GLAXO SMITHKLINE SPONSORED ADR COMMON STOCK 37733W105 75 1591 SH OTHER 1591 0 0

TYCO INTERNATIONAL LIMITED INC COMMON STOCK 902124106 2041 63153 SH SOLE 62303 0 850

TYCO INTERNATIONAL LIMITED INC COMMON STOCK 902124106 198 6125 SH OTHER 5000 1125 0

DIAMONDS TRUST SERIES I OTHER 252787106 311 3000 SH OTHER N.A. N.A. N.A.

GENERAL AMERICAN INVESTORS OTHER 368802104 330 10000 SH OTHER N.A. N.A. N.A.

MUNIHOLDINGS INSD FD II OTHER 62625A102 427 34944 SH SOLE N.A. N.A. N.A.

DUFF & PHELPS UTILITIES INCOME OTHER 264324104 182 16103 SH SOLE N.A. N.A. N.A.

</TABLE>

</TEXT>

</DOCUMENT>

</SUBMISSION>