[DESCRIPTION] FORM 13F
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/1999
Check here if Amendment [ ] Amendment Number:
This Amendment [ ] is a restatement
[ ] adds new holding entries
Institutional Investment Manager Filing this Report:
Name: INVESTORS TRUST COMPANY
Address: 2201 RIDGEWOOD ROAD #180
WYOMISSING, PA 19610
13F File Number: 28-68520
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 intergral parts of
this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: JAMES D KING
Title: SENIOR VICE PRESIDENT
Phone: 610-371-2084
Signature, Place, and Date of Signing:
JAMES D KING WYOMISSING, PA 02/02/2000
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
<PAGE>
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 150
Form 13F Information Table Value Total: $ 261,432
List of Other Included Managers:
NONE
<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/ SH/ PUT/
NAME OF ISSUER OF CLASS CUSIP (X $1000) PRN AMOUNT PRN CALL
SECURITY NAME SUBCLASS
AT&T CORP Domestic Common 001957109 448 8810 SH
AT&T CORP Domestic Common 001957109 273 5365 SH
AT&T CORP Corporate Bonds 001957AV1 3519 3880000 PRN
AT&T CORP Corporate Bonds 001957AV1 54 60000 PRN
AT&T CORP Corporate Bonds 001957AV1 258 285000 PRN
ABBOTT LABS Domestic Common 002824100 46 1258 SH
ABBOTT LABS Domestic Common 002824100 279 7672 SH
ALLIED IRISH BKS PLC SPON Foreign Common 019228402 493 23322 SH
ALLIED IRISH BKS PLC SPON Foreign Common 019228402 269 12732 SH
AMERICAN EXPRESS CO Domestic Common 025816109 4193 25223 SH
AMERICAN EXPRESS CO Domestic Common 025816109 687 4134 SH
AMERICAN HOME PRODS CORP Domestic Common 026609107 97 2463 SH
AMERICAN HOME PRODS CORP Domestic Common 026609107 622 15854 SH
AMERICAN INTERNATIONAL GROUP INC Domestic Common 026874107 5513 50990 SH
AMERICAN INTERNATIONAL GROUP INC Domestic Common 026874107 684 6326 SH
BP AMOCO PLC Foreign Common 055622104 107 1796 SH
BP AMOCO PLC Foreign Common 055622104 1878 31666 SH
BELL ATLANTIC CORP Domestic Common 077853109 982 15950 SH
BELL ATLANTIC CORP Domestic Common 077853109 1107 17978 SH
BELLSOUTH CORP Domestic Common 079860102 7367 157381 SH
BELLSOUTH CORP Domestic Common 079860102 1466 31316 SH
BIOMET INC. Domestic Common 090613100 5461 136535 SH
BIOMET INC. Domestic Common 090613100 637 15935 SH
BRISTOL MYERS SQUIBB CO Domestic Common 110122108 100 1564 SH
BRISTOL MYERS SQUIBB CO Domestic Common 110122108 257 4000 SH
CIGNA CORP Domestic Common 125509109 5155 63988 SH
CIGNA CORP Domestic Common 125509109 572 7104 SH
CARDINAL HEALTH INC Domestic Common 14149Y108 3608 75358 SH
CARDINAL HEALTH INC Domestic Common 14149Y108 404 8440 SH
CISCO SYSTEMS INC Domestic Common 17275R102 166 1550 SH
CISCO SYSTEMS INC Domestic Common 17275R102 193 1800 SH
CITIGROUP INC Domestic Common 172967101 210 3775 SH
CITIGROUP INC Domestic Common 172967101 63 1126 SH
COASTAL CORP Domestic Common 190441105 3698 104339 SH
COASTAL CORP Domestic Common 190441105 439 12376 SH
COCA COLA CO Domestic Common 191216100 12 200 SH
COCA COLA CO Domestic Common 191216100 267 4580 SH
COLGATE PALMOLIVE CO Domestic Common 194162103 13 200 SH
COLGATE PALMOLIVE CO Domestic Common 194162103 811 12472 SH
CONESTOGA ENTERPRISES Domestic Common 207015108 27 1575 SH
CONESTOGA ENTERPRISES Domestic Common 207015108 204 11830 SH
CONOCO INC Corporate Bonds 208251AD0 4002 4305000 PRN
CONOCO INC Corporate Bonds 208251AD0 65 70000 PRN
CONOCO INC Corporate Bonds 208251AD0 353 380000 PRN
CONSOLIDATED EDISION INC Domestic Common 209115104 293 8500 SH
DELAWARE ST Municipal Bonds 246380QG7 683 710000 PRN
DELAWARE ST Municipal Bonds 246380QG7 255 265000 PRN
DOW CHEM CO Domestic Common 260543103 174 1299 SH
DOW CHEM CO Domestic Common 260543103 137 1022 SH
E I DU PONT DE NEMOURS CO Domestic Common 263534109 4341 65892 SH
E I DU PONT DE NEMOURS CO Domestic Common 263534109 640 9721 SH
EMC CORPORATION Domestic Common 268648102 9655 88375 SH
EMC CORPORATION Domestic Common 268648102 1129 10335 SH
EXXON MOBIL CORPORATION Domestic Common 30231G102 6839 84885 SH
EXXON MOBIL CORPORATION Domestic Common 30231G102 2307 28641 SH
FEDERAL NATIONAL MTG ASN Domestic Common 313586109 3625 58059 SH
FEDERAL NATIONAL MTG ASN Domestic Common 313586109 415 6644 SH
FIRST UNION CORP Domestic Common 337358105 831 25234 SH
FIRST UNION CORP Domestic Common 337358105 1085 32938 SH
FORD MOTOR CO Domestic Common 345370100 232 4348 SH
GTE CORP Domestic Common 362320103 6566 93054 SH
GTE CORP Domestic Common 362320103 1016 14404 SH
GATEWAY INC Domestic Common 367626108 4318 59923 SH
GATEWAY INC Domestic Common 367626108 523 7259 SH
GENERAL ELECTRIC CO Domestic Common 369604103 7564 48876 SH
GENERAL ELECTRIC CO Domestic Common 369604103 3022 19528 SH
GENERAL MOTORS CORP Domestic Common 370442105 375 5163 SH
GENERAL MOTORS CORP Domestic Common 370442105 220 3025 SH
HIGH INCOME OPPORTUNITY FD INC Mutual Funds--I 42967Q105 112 13138 SH
HOME DEPOT INC Domestic Common 437076102 6969 101367 SH
HOME DEPOT INC Domestic Common 437076102 1017 14788 SH
ICN PHARMACEUTICALS INC Domestic Common 448924100 324 12814 SH
INTEL CORP Domestic Common 458140100 332 4030 SH
INTEL CORP Domestic Common 458140100 163 1984 SH
INTERNATIONAL BUS MACHS CORP Domestic Common 459200101 4755 44082 SH
INTERNATIONAL BUS MACHS CORP Domestic Common 459200101 809 7498 SH
INTERNATIONAL PAPER CO Domestic Common 460146103 564 10000 SH
JOHNSON & JOHNSON Domestic Common 478160104 4901 52553 SH
JOHNSON & JOHNSON Domestic Common 478160104 851 9129 SH
JOHNSON CONTROLS INC. Domestic Common 478366107 4640 81577 SH
JOHNSON CONTROLS INC. Domestic Common 478366107 525 9228 SH
KELLOGG CO Domestic Common 487836108 356 11568 SH
KELLOGG CO Domestic Common 487836108 49 1600 SH
LONGVIEW FIBRE COMPANY Domestic Common 543213102 741 52000 SH
LUCENT TECHNOLOGIES INC Domestic Common 549463107 467 6228 SH
LUCENT TECHNOLOGIES INC Domestic Common 549463107 216 2885 SH
MCI WORLDCOM INC Domestic Common 55268B106 80 1500 SH
MCI WORLDCOM INC Domestic Common 55268B106 194 3662 SH
MCGRAW HILL COS INC Domestic Common 580645109 3205 52003 SH
MCGRAW HILL COS INC Domestic Common 580645109 399 6477 SH
MERCK & CO INC Domestic Common 589331107 5518 82127 SH
MERCK & CO INC Domestic Common 589331107 1102 16399 SH
MICROSOFT CORP Domestic Common 594918104 7302 62542 SH
MICROSOFT CORP Domestic Common 594918104 819 7017 SH
NASH-FINCH COMPANY Domestic Common 631158102 204 32000 SH
NATIONAL PENN BANCSHARES INC Domestic Common 637138108 12959 515771 SH
NATIONAL PENN BANCSHARES INC Domestic Common 637138108 8469 337059 SH
NOVACARE INC Domestic Common 669930109 2 10000 SH
OHIO ST PUB FACS COMM Municipal Bonds 677597F84 1108 1170000 PRN
OHIO ST PUB FACS COMM Municipal Bonds 677597F84 313 330000 PRN
ORACLE CORP Domestic Common 68389X105 12458 111171 SH
ORACLE CORP Domestic Common 68389X105 1433 12790 SH
PECO ENERGY CO Domestic Common 693304107 86 2471 SH
PECO ENERGY CO Domestic Common 693304107 352 10118 SH
PNC BANK CORP Domestic Common 693475105 39 866 SH
PNC BANK CORP Domestic Common 693475105 403 9063 SH
P P & L RESOURCES INC Domestic Common 693499105 289 12645 SH
P P & L RESOURCES INC Domestic Common 693499105 123 5380 SH
PPG INDS INC Domestic Common 693506107 669 10700 SH
PATRIOT BANK CORP PA Domestic Common 70335P103 5783 537980 SH
PFIZER INC Domestic Common 717081103 956 29478 SH
PFIZER INC Domestic Common 717081103 642 19800 SH
PHILIP MORRIS COS INC Domestic Common 718154107 35 1538 SH
PHILIP MORRIS COS INC Domestic Common 718154107 166 7200 SH
PHILLIPS PETROLEUM CO Domestic Common 718507106 3749 79771 SH
PHILLIPS PETROLEUM CO Domestic Common 718507106 417 8867 SH
PITNEY BOWES INC Domestic Common 724479100 3155 65297 SH
PITNEY BOWES INC Domestic Common 724479100 333 6901 SH
PROCTER & GAMBLE CO Domestic Common 742718109 5506 50250 SH
PROCTER & GAMBLE CO Domestic Common 742718109 943 8611 SH
QRS CORP Domestic Common 74726X105 206 1965 SH
QRS CORP Domestic Common 74726X105 6 58 SH
SBC COMMUNICATIONS INC Domestic Common 78387G103 904 18543 SH
SBC COMMUNICATIONS INC Domestic Common 78387G103 1085 22255 SH
SOUTHTRUST CORP Domestic Common 844730101 4418 116831 SH
SOUTHTRUST CORP Domestic Common 844730101 494 13055 SH
SOVEREIGN BANCORP INC Domestic Common 845905108 112 15000 SH
SOVEREIGN BANCORP INC Domestic Common 845905108 20 2676 SH
SUN MICROSYSTEMS INC Domestic Common 866810104 10631 137282 SH
SUN MICROSYSTEMS INC Domestic Common 866810104 1293 16697 SH
SUPERVALU, INC Domestic Common 868536103 4673 233672 SH
SUPERVALU, INC Domestic Common 868536103 521 26042 SH
SUSQUEHANNA BANCSHARES INC Domestic Common 869099101 429 27000 SH
SWARTHMORE BORO (PA) Municipal Bonds 870000DU7 656 695000 PRN
SWARTHMORE BORO (PA) Municipal Bonds 870000DU7 448 475000 PRN
TELEFLEX INC Domestic Common 879369106 243 7769 SH
TENNESSEE VALLEY AUTH Domestic Prefer 880591102 566 22887 SH
TENNESSEE VALLEY AUTH Domestic Prefer 880591102 85 3430 SH
TEXAS INSTRUMENTS INC Domestic Common 882508104 39 400 SH
TEXAS INSTRUMENTS INC Domestic Common 882508104 193 2000 SH
U.S. WEST INC Domestic Common 91273H101 197 2735 SH
U.S. WEST INC Domestic Common 91273H101 359 4984 SH
UNITED TECHNOLOGIES CORP Domestic Common 913017109 255 3920 SH
WAL-MART STORES Domestic Common 931142103 6734 97419 SH
WAL-MART STORES Domestic Common 931142103 821 11871 SH
WALGREEN CO Domestic Common 931422109 4715 161182 SH
WALGREEN CO Domestic Common 931422109 535 18307 SH
WARNER LAMBERT CO Domestic Common 934488107 80 975 SH
WARNER LAMBERT CO Domestic Common 934488107 197 2400 SH
GLOBAL CROSSING LTD Domestic Common G3921A100 211 4214 SH
NAME OF ISSUER INVSTMT OTHER VOTING AUTHORITY
SECURITY NAME DISCRTN MANAGERS SOLE SHARED NONE
AT&T CORP SOLE 8810
AT&T CORP OTHER 5332
AT&T CORP OTHER 33
AT&T CORP SOLE 3850000
AT&T CORP SOLE 30000
AT&T CORP DEFINED 60000
AT&T CORP OTHER 265000
AT&T CORP OTHER 10000
AT&T CORP OTHER 10000
ABBOTT LABS SOLE 1258
ABBOTT LABS OTHER 7672
ALLIED IRISH BKS PLC SPON SOLE 23322
ALLIED IRISH BKS PLC SPON OTHER 12732
AMERICAN EXPRESS CO SOLE 24782
AMERICAN EXPRESS CO SOLE 186
AMERICAN EXPRESS CO SOLE 255
AMERICAN EXPRESS CO OTHER 3769
AMERICAN EXPRESS CO OTHER 287
AMERICAN EXPRESS CO OTHER 78
AMERICAN HOME PRODS CORP SOLE 2463
AMERICAN HOME PRODS CORP OTHER 15854
AMERICAN INTERNATIONAL GROUP INCSOLE 50105
AMERICAN INTERNATIONAL GROUP INCSOLE 372
AMERICAN INTERNATIONAL GROUP INCSOLE 513
AMERICAN INTERNATIONAL GROUP INCOTHER 5596
AMERICAN INTERNATIONAL GROUP INCOTHER 574
AMERICAN INTERNATIONAL GROUP INCOTHER 156
BP AMOCO PLC SOLE 1796
BP AMOCO PLC OTHER 31666
BELL ATLANTIC CORP SOLE 15950
BELL ATLANTIC CORP OTHER 17978
BELLSOUTH CORP SOLE 154901
BELLSOUTH CORP SOLE 1061
BELLSOUTH CORP SOLE 1419
BELLSOUTH CORP OTHER 29157
BELLSOUTH CORP OTHER 1715
BELLSOUTH CORP OTHER 444
BIOMET INC. SOLE 134121
BIOMET INC. SOLE 1015
BIOMET INC. SOLE 1399
BIOMET INC. OTHER 13375
BIOMET INC. OTHER 2134
BIOMET INC. OTHER 426
BRISTOL MYERS SQUIBB CO SOLE 1564
BRISTOL MYERS SQUIBB CO OTHER 4000
CIGNA CORP SOLE 62853
CIGNA CORP SOLE 478
CIGNA CORP SOLE 657
CIGNA CORP OTHER 6107
CIGNA CORP OTHER 796
CIGNA CORP OTHER 201
CARDINAL HEALTH INC SOLE 74029
CARDINAL HEALTH INC SOLE 561
CARDINAL HEALTH INC SOLE 768
CARDINAL HEALTH INC OTHER 7390
CARDINAL HEALTH INC OTHER 815
CARDINAL HEALTH INC OTHER 235
CISCO SYSTEMS INC SOLE 1550
CISCO SYSTEMS INC OTHER 1800
CITIGROUP INC SOLE 3775
CITIGROUP INC OTHER 1126
COASTAL CORP SOLE 102474
COASTAL CORP SOLE 786
COASTAL CORP SOLE 1079
COASTAL CORP OTHER 10676
COASTAL CORP OTHER 1370
COASTAL CORP OTHER 330
COCA COLA CO SOLE 200
COCA COLA CO OTHER 4580
COLGATE PALMOLIVE CO SOLE 200
COLGATE PALMOLIVE CO OTHER 12472
CONESTOGA ENTERPRISES SOLE 1575
CONESTOGA ENTERPRISES OTHER 6082
CONESTOGA ENTERPRISES OTHER 5748
CONOCO INC SOLE 4280000
CONOCO INC SOLE 25000
CONOCO INC DEFINED 70000
CONOCO INC OTHER 330000
CONOCO INC OTHER 40000
CONOCO INC OTHER 10000
CONSOLIDATED EDISION INC SOLE 8500
DELAWARE ST SOLE 685000
DELAWARE ST SOLE 25000
DELAWARE ST OTHER 125000
DELAWARE ST OTHER 140000
DOW CHEM CO SOLE 1299
DOW CHEM CO OTHER 1022
E I DU PONT DE NEMOURS CO SOLE 64756
E I DU PONT DE NEMOURS CO SOLE 482
E I DU PONT DE NEMOURS CO SOLE 654
E I DU PONT DE NEMOURS CO OTHER 8777
E I DU PONT DE NEMOURS CO OTHER 741
E I DU PONT DE NEMOURS CO OTHER 203
EMC CORPORATION SOLE 86823
EMC CORPORATION SOLE 659
EMC CORPORATION SOLE 893
EMC CORPORATION OTHER 9000
EMC CORPORATION OTHER 1059
EMC CORPORATION OTHER 276
EXXON MOBIL CORPORATION SOLE 82685
EXXON MOBIL CORPORATION SOLE 513
EXXON MOBIL CORPORATION SOLE 1687
EXXON MOBIL CORPORATION OTHER 26505
EXXON MOBIL CORPORATION OTHER 921
EXXON MOBIL CORPORATION OTHER 1215
FEDERAL NATIONAL MTG ASN SOLE 57044
FEDERAL NATIONAL MTG ASN SOLE 429
FEDERAL NATIONAL MTG ASN SOLE 586
FEDERAL NATIONAL MTG ASN OTHER 5735
FEDERAL NATIONAL MTG ASN OTHER 730
FEDERAL NATIONAL MTG ASN OTHER 179
FIRST UNION CORP SOLE 25234
FIRST UNION CORP OTHER 32938
FORD MOTOR CO OTHER 3695
FORD MOTOR CO OTHER 653
GTE CORP SOLE 91391
GTE CORP SOLE 707
GTE CORP SOLE 956
GTE CORP OTHER 12899
GTE CORP OTHER 1209
GTE CORP OTHER 296
GATEWAY INC SOLE 58903
GATEWAY INC SOLE 437
GATEWAY INC SOLE 583
GATEWAY INC OTHER 6405
GATEWAY INC OTHER 671
GATEWAY INC OTHER 183
GENERAL ELECTRIC CO SOLE 46988
GENERAL ELECTRIC CO SOLE 290
GENERAL ELECTRIC CO SOLE 1598
GENERAL ELECTRIC CO OTHER 18868
GENERAL ELECTRIC CO OTHER 495
GENERAL ELECTRIC CO OTHER 165
GENERAL MOTORS CORP SOLE 4163
GENERAL MOTORS CORP SOLE 1000
GENERAL MOTORS CORP OTHER 3025
HIGH INCOME OPPORTUNITY FD INC OTHER 13138
HOME DEPOT INC SOLE 99604
HOME DEPOT INC SOLE 749
HOME DEPOT INC SOLE 1014
HOME DEPOT INC OTHER 13223
HOME DEPOT INC OTHER 1251
HOME DEPOT INC OTHER 314
ICN PHARMACEUTICALS INC SOLE 5000
ICN PHARMACEUTICALS INC SOLE 7814
INTEL CORP SOLE 4030
INTEL CORP OTHER 1984
INTERNATIONAL BUS MACHS CORP SOLE 43317
INTERNATIONAL BUS MACHS CORP SOLE 323
INTERNATIONAL BUS MACHS CORP SOLE 442
INTERNATIONAL BUS MACHS CORP OTHER 6405
INTERNATIONAL BUS MACHS CORP OTHER 957
INTERNATIONAL BUS MACHS CORP OTHER 136
INTERNATIONAL PAPER CO OTHER 10000
JOHNSON & JOHNSON SOLE 51817
JOHNSON & JOHNSON SOLE 386
JOHNSON & JOHNSON SOLE 350
JOHNSON & JOHNSON OTHER 8317
JOHNSON & JOHNSON OTHER 650
JOHNSON & JOHNSON OTHER 162
JOHNSON CONTROLS INC. SOLE 80132
JOHNSON CONTROLS INC. SOLE 607
JOHNSON CONTROLS INC. SOLE 838
JOHNSON CONTROLS INC. OTHER 7880
JOHNSON CONTROLS INC. OTHER 1093
JOHNSON CONTROLS INC. OTHER 255
KELLOGG CO SOLE 11568
KELLOGG CO OTHER 1600
LONGVIEW FIBRE COMPANY OTHER 52000
LUCENT TECHNOLOGIES INC SOLE 6228
LUCENT TECHNOLOGIES INC OTHER 2790
LUCENT TECHNOLOGIES INC OTHER 95
MCI WORLDCOM INC SOLE 1500
MCI WORLDCOM INC OTHER 3662
MCGRAW HILL COS INC SOLE 51087
MCGRAW HILL COS INC SOLE 385
MCGRAW HILL COS INC SOLE 531
MCGRAW HILL COS INC OTHER 5721
MCGRAW HILL COS INC OTHER 595
MCGRAW HILL COS INC OTHER 161
MERCK & CO INC SOLE 80731
MERCK & CO INC SOLE 590
MERCK & CO INC SOLE 806
MERCK & CO INC OTHER 15153
MERCK & CO INC OTHER 998
MERCK & CO INC OTHER 248
MICROSOFT CORP SOLE 61482
MICROSOFT CORP SOLE 453
MICROSOFT CORP SOLE 607
MICROSOFT CORP OTHER 5895
MICROSOFT CORP OTHER 930
MICROSOFT CORP OTHER 192
NASH-FINCH COMPANY OTHER 32000
NATIONAL PENN BANCSHARES INC SOLE 515043
NATIONAL PENN BANCSHARES INC SOLE 728
NATIONAL PENN BANCSHARES INC OTHER 142638
NATIONAL PENN BANCSHARES INC OTHER 83112
NATIONAL PENN BANCSHARES INC OTHER 111309
NOVACARE INC SOLE 10000
OHIO ST PUB FACS COMM SOLE 1150000
OHIO ST PUB FACS COMM SOLE 20000
OHIO ST PUB FACS COMM OTHER 140000
OHIO ST PUB FACS COMM OTHER 190000
ORACLE CORP SOLE 109204
ORACLE CORP SOLE 824
ORACLE CORP SOLE 1143
ORACLE CORP OTHER 10857
ORACLE CORP OTHER 1588
ORACLE CORP OTHER 345
PECO ENERGY CO SOLE 2471
PECO ENERGY CO OTHER 10118
PNC BANK CORP SOLE 866
PNC BANK CORP OTHER 9063
P P & L RESOURCES INC SOLE 12645
P P & L RESOURCES INC OTHER 5380
PPG INDS INC SOLE 10700
PATRIOT BANK CORP PA SOLE 537980
PFIZER INC SOLE 29478
PFIZER INC OTHER 19800
PHILIP MORRIS COS INC SOLE 1538
PHILIP MORRIS COS INC OTHER 7200
PHILLIPS PETROLEUM CO SOLE 78374
PHILLIPS PETROLEUM CO SOLE 593
PHILLIPS PETROLEUM CO SOLE 804
PHILLIPS PETROLEUM CO OTHER 7703
PHILLIPS PETROLEUM CO OTHER 915
PHILLIPS PETROLEUM CO OTHER 249
PITNEY BOWES INC SOLE 64155
PITNEY BOWES INC SOLE 486
PITNEY BOWES INC SOLE 656
PITNEY BOWES INC OTHER 5951
PITNEY BOWES INC OTHER 746
PITNEY BOWES INC OTHER 204
PROCTER & GAMBLE CO SOLE 49393
PROCTER & GAMBLE CO SOLE 364
PROCTER & GAMBLE CO SOLE 493
PROCTER & GAMBLE CO OTHER 7825
PROCTER & GAMBLE CO OTHER 633
PROCTER & GAMBLE CO OTHER 153
QRS CORP SOLE 1965
QRS CORP OTHER 58
SBC COMMUNICATIONS INC SOLE 18543
SBC COMMUNICATIONS INC OTHER 22064
SBC COMMUNICATIONS INC OTHER 191
SOUTHTRUST CORP SOLE 114765
SOUTHTRUST CORP SOLE 871
SOUTHTRUST CORP SOLE 1195
SOUTHTRUST CORP OTHER 10989
SOUTHTRUST CORP OTHER 1701
SOUTHTRUST CORP OTHER 365
SOVEREIGN BANCORP INC SOLE 15000
SOVEREIGN BANCORP INC OTHER 2676
SUN MICROSYSTEMS INC SOLE 134922
SUN MICROSYSTEMS INC SOLE 1008
SUN MICROSYSTEMS INC SOLE 1352
SUN MICROSYSTEMS INC OTHER 14359
SUN MICROSYSTEMS INC OTHER 1916
SUN MICROSYSTEMS INC OTHER 422
SUPERVALU, INC SOLE 229565
SUPERVALU, INC SOLE 1725
SUPERVALU, INC SOLE 2382
SUPERVALU, INC OTHER 22669
SUPERVALU, INC OTHER 2650
SUPERVALU, INC OTHER 723
SUSQUEHANNA BANCSHARES INC SOLE 27000
SWARTHMORE BORO (PA) SOLE 675000
SWARTHMORE BORO (PA) SOLE 20000
SWARTHMORE BORO (PA) OTHER 275000
SWARTHMORE BORO (PA) OTHER 200000
TELEFLEX INC SOLE 7769
TENNESSEE VALLEY AUTH SOLE 22887
TENNESSEE VALLEY AUTH OTHER 2880
TENNESSEE VALLEY AUTH OTHER 550
TEXAS INSTRUMENTS INC SOLE 400
TEXAS INSTRUMENTS INC OTHER 2000
U.S. WEST INC SOLE 2735
U.S. WEST INC OTHER 4984
UNITED TECHNOLOGIES CORP OTHER 3920
WAL-MART STORES SOLE 95744
WAL-MART STORES SOLE 715
WAL-MART STORES SOLE 960
WAL-MART STORES OTHER 10432
WAL-MART STORES OTHER 1140
WAL-MART STORES OTHER 299
WALGREEN CO SOLE 158379
WALGREEN CO SOLE 1187
WALGREEN CO SOLE 1616
WALGREEN CO OTHER 15995
WALGREEN CO OTHER 1815
WALGREEN CO OTHER 497
WARNER LAMBERT CO SOLE 975
WARNER LAMBERT CO OTHER 2400
GLOBAL CROSSING LTD SOLE 4214
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