S&T BANK/PA
13F-HR, 1999-11-10
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<TABLE>
<S>                           <C>              <C>      <C>     <C>  <C>   <C>     <C>       <C>       <C>   <C>    <C>     <C>
                                                                    FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT  OTHER          VOTING AUTHORITY
NAME OF ISSUER                 TITLE OF CLASS   CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS      SOLE     SHARED  NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

LORAL SPACE & COMMUNICATIONS                    G56462107       85     5000 SH       SOLE                     3500        0     1500
LORAL SPACE & COMMUNICATIONS                    G56462107       49     2905 SH       DEFINED                   500        0     2405
ACM GOVERNMENT INCOME FUND                      000912105       29     3600 SH       SOLE                     1600        0     2000
AGL RESOURCES INC                               001204106      110     6800 SH       SOLE                     6400        0      400
AGL RESOURCES INC                               001204106       13      850 SH       DEFINED                   800        0       50
AT&T CORP                                       00195710S      103     2385 SH       SOLE                     1817        0      568
AT&T CORP                                       001957109     2825    64958 SH       SOLE                    57888        0     7070
AT&T CORP                                       001957109      386     8883 SH       DEFINED                  6683        0     2200
AXA FINANCIAL INC                               002451102        6      124 SH       SOLE                      116        0        8
ABBOTT LABORATORIES                             002824100      610    16631 SH       SOLE                     9831        0     6800
ABBOTT LABORATORIES                             002824100       14      400 SH       DEFINED                     0        0      400
ADV MICRO DEVICES INC                           007903107        8      500 SH       SOLE                      500        0        0
AEGON NV                                        007924103       45      528 SH       SOLE                      528        0        0
AETNA INC                                       008117103       49     1000 SH       DEFINED                  1000        0        0
ALBERTSON'S INC                                 013104104      158     4000 SH       SOLE                     3100        0      900
ALBERTSON'S INC                                 013104104       55     1400 SH       DEFINED                   800        0      600
ALCOA INC                                       013817101      186     3000 SH       SOLE                     3000        0        0
ALLEGHENY POWER SYSTEM                          017361106      186     5862 SH       SOLE                     5062        0      800
ALLEGHENY POWER SYSTEM                          017361106       19      600 SH       DEFINED                   600        0        0
ALLEGHENY TELEDYNE INC                          017415100        4      259 SH       DEFINED                     0        0      259
ALLIANCE CAPITAL MGMT -LP                       018548107       38     1400 SH       SOLE                     1400        0        0
ALLIANT CORP                                    018802108        6      228 SH       SOLE                      228        0        0
ALLIED IRISH BANKS PLC ADR                      019228402       47     1872 SH       SOLE                     1872        0        0
ALLIEDSIGNAL INC                                019512102      118     1980 SH       SOLE                      900        0     1080
ALLIEDSIGNAL INC                                019512102      316     5276 SH       DEFINED                  5276        0        0
ALLIED WASTE INDUSTRIES INC                     019589308       11     1000 SH       SOLE                     1000        0        0
ALLIED WASTE INDUSTRIES INC                     019589308       11     1000 SH       DEFINED                     0        0     1000
ALLMERICA FINANCIAL CORP                        019754100        4      100 SH       SOLE                      100        0        0
ALLMERICA SECURITIES TRUST  SBI                 019921105       57     6000 SH       SOLE                     6000        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

ALLSTATE CORP                                   020002101       59     2388 SH       SOLE                     2388        0        0
ALLTEL CORP                                     020039103      589     8384 SH       SOLE                     8026        0      358
AMEREN CORP                                     023608102      193     5116 SH       SOLE                     5116        0        0
AMERICA ONLINE INC                              02364J104       23      230 SH       SOLE                       60        0      170
AMERICAN ELECTRIC POWER                         025537101       14      419 SH       SOLE                      419        0        0
AMERICAN EXPRESS COMPANY                        02581610S       92      682 SH       SOLE                      490        0      192
AMERICAN GENERAL CORP                           026351106      136     2160 SH       SOLE                     2160        0        0
AMERICAN HOME PRODUCTS CORP                     026609107     1334    32154 SH       SOLE                    32154        0        0
AMERICAN HOME PRODUCTS CORP                     026609107      149     3600 SH       DEFINED                  2000        0     1600
AMERICAN INSURED MTG        INVESTOR LP SER 86  02686F103        1      200 SH       SOLE                        0        0      200
AMERICAN WATER WORKS INC                        030411102      231     8000 SH       SOLE                     8000        0        0
AMERICAN WATER WORKS INC                        030411102       11      400 SH       DEFINED                     0        0      400
AMERITECH CORPORATION/DEL                       030954101     1731    25937 SH       SOLE                    24401        0     1536
AMERITECH CORPORATION/DEL                       030954101      130     1952 SH       DEFINED                  1072        0      880
AMERIGAS PARTNERS L.P                           030975106       18     1000 SH       SOLE                     1000        0        0
AMERIGAS PARTNERS L.P                           030975106       37     2000 SH       DEFINED                  2000        0        0
AMETEK NEW                                      031100100       25     1300 SH       SOLE                     1300        0        0
AMGEN INC                                       031162100       61      750 SH       SOLE                      750        0        0
ARMCO INC                                       042170100        7     1000 SH       SOLE                     1000        0        0
ASIA PACIFIC FUND                               044901106        4      532 SH       SOLE                      532        0        0
ASSETS INVESTORS CORP DEL   COM                 04541W107        2      200 SH       SOLE                      200        0        0
ASSOCIATES 1ST CAP CORP CL A                    046008108      224     6230 SH       SOLE                     6230        0        0
ASSOCIATES 1ST CAP CORP CL A                    046008108       39     1098 SH       DEFINED                  1046        0       52
ATLANTIC RICHFIELD CO                           048825103      241     2720 SH       SOLE                     2720        0        0
ATLANTIC RICHFIELD CO                           048825103       30      344 SH       DEFINED                   344        0        0
AUTODESK INC                                    052769106        4      200 SH       DEFINED                     0        0      200
AUTOLIV INC                                     052800109       12      341 SH       SOLE                      341        0        0
AUTOMATIC DATA PROCESSING                       053015103       17      400 SH       SOLE                      400        0        0
AVISTA CORP SHS PFD CONV    12.40               05379B503        7      400 SH       SOLE                      400        0        0
AVON PRODUCTS INC                               054303102       72     2916 SH       SOLE                      400        0     2516
BPAMOCO PLC SPONSORED ADR                       05562210S      109      988 SH       SOLE                      704        0      284
BP AMOCO PLC SPONSORED ADR                      055622104     1056     9536 SH       SOLE                     9536        0        0
BT FINANCIAL CORP                               055763106      194     8074 SH       SOLE                     8074        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

BAKER HUGHES INC                                057224107       11      400 SH       SOLE                      400        0        0
BANK OF AMERICA CORP                            06050510S       78     1410 SH       SOLE                     1056        0      354
BANK OF AMERICA CORP                            060505104      171     3084 SH       SOLE                     2380        0      704
BANK ONE CORP                                   06423A10S       58     1687 SH       SOLE                     1256        0      431
BANK ONE CORP                                   06423A103      131     3774 SH       SOLE                     3329        0      445
BANK ONE CORP                                   06423A103     1138    32706 SH       DEFINED                  2512        0    30194
BARNES GROUP INC                                067806109       12      639 SH       SOLE                      639        0        0
BAXTER INTERNATIONAL INC                        071813109      274     4550 SH       SOLE                     4550        0        0
BAXTER INTERNATIONAL INC                        071813109       50      838 SH       DEFINED                   838        0        0
BECTON DICKINSON & CO                           075887109      482    17200 SH       SOLE                    17200        0        0
BECTON DICKINSON & CO                           075887109       86     3100 SH       DEFINED                  3100        0        0
BELL ATLANTIC CORP                              077853109     4978    73963 SH       SOLE                    66974        0     6989
BELL ATLANTIC CORP                              077853109      383     5694 SH       DEFINED                  3114        0     2580
BELLSOUTH CORP                                  079860102     4016    89254 SH       SOLE                    77939        0    11315
BELLSOUTH CORP                                  079860102      431     9596 SH       DEFINED                  5784        0     3812
BESTFOODS                                       08658U101       38      800 SH       SOLE                      800        0        0
BETHLEHEM STEEL (BS )       $2.5000             087509402       12      500 SH       SOLE                      500        0        0
BLACK & DECKER CORP                             091797100        4      100 SH       SOLE                      100        0        0
BLACKROCK INCOME TRUST                          09247F100       31     5000 SH       SOLE                     5000        0        0
BLACKROCK 1999 TERM TRUST                       09247T100     1311   130350 SH       SOLE                   119950        0    10400
BLACKROCK 1999 TERM TRUST                       09247T100      191    19000 SH       DEFINED                 19000        0        0
BLACKROCK NORTH AMER GVT INC                    092475102       13     1333 SH       SOLE                        0        0     1333
BLACKROCK TARGET TERM TRUST                     092476100       19     2000 SH       SOLE                        0        0     2000
BLACKROCK 2001 TERM TRUST                       092477108     1368   152100 SH       SOLE                   138000        0    14100
BLACKROCK 2001 TERM TRUST                       092477108      154    17200 SH       DEFINED                 17200        0        0
BLAIR CORPORATION                               092828102        2      150 SH       SOLE                      150        0        0
BOB EVANS FARMS                                 096761101        3      182 SH       SOLE                      182        0        0
BODDIE-NOELL PROPERTIES INC                     096903109        2      212 SH       SOLE                      212        0        0
BOEING CO                                       097023105      228     5367 SH       SOLE                     5191        0      176
BOEING CO                                       097023105       14      332 SH       DEFINED                   332        0        0
BRISTOL-MYERS SQUIBB CO                         110122108     3904    57843 SH       SOLE                    51643        0     6200
BRISTOL-MYERS SQUIBB CO                         110122108      376     5580 SH       DEFINED                  4480        0     1100
BRITISH STEEL PLC ADR                           111015301       25     1000 SH       SOLE                     1000        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

BURLINGTON NORTHERN SANTE FE                    12189T104       28     1050 SH       SOLE                     1050        0        0
BUTLER MANUFACTURING CO                         123655102        9      379 SH       SOLE                      379        0        0
CBRL GROUP INC COM                              12489V106        2      150 SH       SOLE                      150        0        0
CBS CORPORATION                                 12490K107      711    15384 SH       SOLE                    12664        0     2720
CBS CORPORATION                                 12490K107       19      420 SH       DEFINED                   420        0        0
CIGNA HIGH INCOME SHS FUND                      12551D109        5      888 SH       SOLE                      888        0        0
CNB FINANCIAL CORP/PA                           126128107       14      570 SH       SOLE                      570        0        0
CSX CORP                                        126408103        6      144 SH       SOLE                      144        0        0
CVS CORP                                        126650100       80     1968 SH       SOLE                     1968        0        0
CVS CORP                                        126650100      642    15732 SH       DEFINED                 15732        0        0
CALGON CARBON CORP                              129603106        2      400 SH       SOLE                      400        0        0
CAMPBELL SOUP CO                                13442910S       46     1191 SH       SOLE                      943        0      248
CAMPBELL SOUP CO                                134429109       15      400 SH       SOLE                      200        0      200
CANADIAN PACIFIC LTD                            135923100        6      300 SH       SOLE                      300        0        0
CANADIAN PACIFIC LTD                            135923100        6      300 SH       DEFINED                   300        0        0
CARDINAL HEALTH INC                             14149Y108       56     1043 SH       SOLE                     1043        0        0
CARDINAL HEALTH INC                             14149Y108       12      232 SH       DEFINED                   232        0        0
CARLISLE COS INC                                142339100       79     2000 SH       SOLE                        0        0     2000
CAROLINA POWER & LIGHT                          144141108       83     2373 SH       SOLE                     2373        0        0
CATERPILLAR INC                                 14912310S       70     1293 SH       SOLE                      984        0      309
CATERPILLAR INC                                 149123101       20      375 SH       SOLE                      375        0        0
CEMEX S A SPNOSOR ADR NEW REP ORD PARTN         151290889        3      134 SH       SOLE                      134        0        0
CENDANT CORP CD                                 151313103        3      200 SH       DEFINED                   200        0        0
CENTRAL HUDSON GAS & ELEC                       153609102        7      200 SH       SOLE                      200        0        0
CHASE MANHATTAN CORP                            16161A108      223     2966 SH       SOLE                     2966        0        0
CHEVRON CORP                                    166751107       46      528 SH       SOLE                      528        0        0
CHEVRON CORP                                    166751107       53      600 SH       DEFINED                   600        0        0
CHUBB CORP                                      17123210S       44      888 SH       SOLE                      685        0      203
CINERGY CORP                                    172474108        4      168 SH       SOLE                      168        0        0
CISCO SYSTEMS                                   17275R10S       88     1287 SH       SOLE                      895        0      392
CISCO SYSTEMS INC                               17275R102      315     4600 SH       SOLE                     4500        0      100
CITIGROUP INC COM                               17296710S      122     2775 SH       SOLE                     2007        0      768
CITIGROUP INC COM                               172967101      266     6062 SH       SOLE                     5312        0      750
CITIGROUP INC COM                               172967101       33      750 SH       DEFINED                     0        0      750

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CITIZENS UTILITIES CO-CL B                      177342201       31     2788 SH       SOLE                     1078        0     1710
CITIZENS UTILITIES CO-CL B                      177342201        7      690 SH       DEFINED                     0        0      690
CLOROX COMPANY                                  18905410S       41     1076 SH       SOLE                      854        0      222
CLOROX COMPANY                                  189054109       71     1872 SH       SOLE                     1272        0      600
CLOROX COMPANY                                  189054109       13      340 SH       DEFINED                   140        0      200
COCA COLA COMPANY                               191216100      173     3600 SH       SOLE                     3400        0      200
COCA COLA COMPANY                               191216100      113     2356 SH       DEFINED                  2256        0      100
COLGATE-PALMOLIVE CO                            194162103      100     2200 SH       SOLE                     2200        0        0
COLGATE-PALMOLIVE CO                            194162103       18      400 SH       DEFINED                   400        0        0
COLUMBIA ENERGY GROUP                           197648108        8      150 SH       SOLE                      150        0        0
COLUMBIA ENERGY GROUP                           197648108        8      150 SH       DEFINED                   150        0        0
COMMONWEALTH TELEPHONE      ENTERPRISES         203349105        9      220 SH       SOLE                      110        0      110
COMPAQ COMPUTER CORP                            20449310S       86     3776 SH       SOLE                     3067        0      709
COMPAQ COMPUTER CORP                            204493100      204     8950 SH       SOLE                     7150        0     1800
COMPAQ COMPUTER CORP                            204493100       80     3500 SH       DEFINED                  2500        0     1000
COMPUTER ASSOCIATES INTL INC                    204912109      314     5150 SH       SOLE                     4550        0      600
COMPUTER ASSOCIATES INTL INC                    204912109       58      950 SH       DEFINED                   950        0        0
CONEXANT SYSTEMS INC                            207142100      417     5746 SH       SOLE                     4796        0      950
CONEXANT SYSTEMS INC                            207142100      197     2725 SH       DEFINED                  2475        0      250
CONOCO INC CL B                                 208251405       16      613 SH       DEFINED                   613        0        0
CONSOLIDATED EDISON INC                         209115104       20      500 SH       SOLE                      500        0        0
CONSOLIDATED NATURAL GAS                        209615103      938    15043 SH       SOLE                    14143        0      900
CONSOLIDATED NATURAL GAS                        209615103       99     1600 SH       DEFINED                  1300        0      300
CONSTELLATION ENERGY GROUP  INC COM             210371100      338    12039 SH       SOLE                    12039        0        0
CONSTELLATION ENERGY GROUP  INC COM             210371100       98     3500 SH       DEFINED                  1800        0     1700
CORN PRODUCTS INTERL I                          219023108        3      100 SH       SOLE                      100        0        0
CREDIT SUISSE ASSET MGMT    INCOME FUND INC     224916106       13     2000          SOLE                     2000        0        0
CRESENT REAL ESTATE EQUITIESCO                  225756105        5      300 SH       SOLE                      300        0        0
DQE INC                                         23329J104      682    17443 SH       SOLE                    17218        0      225
DQE INC                                         23329J104      129     3300 SH       DEFINED                  3000        0      300
DARDEN RESTAURANTS INC                          237194105        9      500 SH       SOLE                      500        0        0
DATA DIMENSIONS INC                             237654207        0      500 SH       SOLE                      500        0        0
DEERE & COMPANY                                 244199105        3      100 SH       SOLE                      100        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

DELL COMPUTER                                   247025109      165     3950 SH       SOLE                     3950        0        0
DELPHI AUTOMOTIVE SYSTEMS   CORPORATION         247126105       93     5835 SH       SOLE                     5835        0        0
DELPHI AUTOMOTIVE SYSTEMS   CORPORATION         247126105       14      930 SH       DEFINED                   930        0        0
DEVON ENERGY CORP                               25179M103        1       33 SH       SOLE                       33        0        0
DIAL CORP                                       25247D101      178     7008 SH       SOLE                     6308        0      700
DIAL CORP                                       25247D101        5      200 SH       DEFINED                   100        0      100
UIT DIAMONDS TR SER 1                           252787106        9       90 SH       SOLE                       90        0        0
DIEBOLD INC                                     253651103        4      200 SH       SOLE                      200        0        0
THE WALT DISNEY CO                              25468710S       16      650 SH       SOLE                      231        0      419
THE WALT DISNEY CO                              254687106      371    14300 SH       SOLE                    12100        0     2200
THE WALT DISNEY CO                              254687106       46     1800 SH       DEFINED                  1200        0      600
DOMINION RESOURCES INC/VA                       257470104       22      500 SH       SOLE                      500        0        0
DONNELLEY (R.R) & SONS CO                       257867101       17      600 SH       SOLE                      600        0        0
DOW CHEMICAL                                    260543103       38      340 SH       SOLE                      340        0        0
DU PONT (E.I.) DE NEMOUR                        26353410S       65     1090 SH       SOLE                      813        0      277
DU PONT (E.I.) DE NEMOURS                       263534109       45      750 SH       SOLE                      200        0      550
DU PONT (E.I.) DE NEMOURS                       263534109      380     6292 SH       DEFINED                  6292        0        0
DUFF & PHELPS UTIL & CORP BD                    26432K108        3      250 SH       SOLE                      250        0        0
DUN & BRADSTREET CORP-NEW                       26483B106      313    10500 SH       SOLE                     9400        0     1100
DUN & BRADSTREET CORP-NEW                       26483B106       50     1700 SH       DEFINED                  1200        0      500
DYNEX CAP INC COM NEW                           26817Q506        6      932 SH       SOLE                      932        0        0
EMC CORP/MASS                                   268648102       24      340 SH       SOLE                        0        0      340
ENSCO INTERNATIONAL INC                         26874Q100       23     1300 SH       SOLE                     1000        0      300
ESB FINANCIAL CORP                              26884F102       60     4598 SH       SOLE                     4598        0        0
EASTMAN KODAK CO                                277461109       15      200 SH       SOLE                      200        0        0
ECHELON INTERNATIONAL CORP                      278747100        7      289 SH       SOLE                        0        0      289
ECHO BAY MINES LTD                              278751102        0      400 SH       SOLE                      400        0        0
ELECTRONIC DATA SYSTEMS CORP                    285661104      786    14854 SH       SOLE                    12122        0     2732
ELECTRONIC DATA SYSTEMS CORP                    285661104      116     2200 SH       DEFINED                  1900        0      300
EMERGING MARKETS INC FD II                      290920107       52     5148 SH       SOLE                     5148        0        0
EMERSON ELECTRIC CO                             291011104      151     2400 SH       SOLE                     2400        0        0
EMERSON ELECTRIC CO                             291011104        6      100 SH       DEFINED                     0        0      100
ENERGY EAST CORP                                29266M109        3      150 SH       SOLE                       75        0       75

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

ENRON CORP                                      293561106      254     6200 SH       SOLE                     6200        0        0
EQUITABLE RESOURCES INC                         294549100      100     2654 SH       SOLE                     2654        0        0
EQUITABLE RESOURCES INC                         294549100       22      601 SH       DEFINED                   601        0        0
EQUITY RESIDENTIAL PPTYS    TR PFD CONV SER 2.1529476L826       10      400 SH       SOLE                      400        0        0
EQUITY RESIDENTAL PPTYS SER E CONV PFD 7%       29476L883       24     1000 SH       SOLE                     1000        0        0
ERICSSON LM TEL CO ADR                          294821400       15      500 SH       SOLE                        0        0      500
EXCELSIOR HENDERSON                             300906104        0      100 SH       SOLE                      100        0        0
EXXON CORP                                      302290101     3969    52234 SH       SOLE                    46034        0     6200
EXXON CORP                                      302290101      352     4644 SH       DEFINED                  3744        0      900
FMC CORPORATION                                 302491303      174     3626 SH       SOLE                     3626        0        0
FNB CORP                                        302520101        1       68 SH       SOLE                       68        0        0
FPL GROUP INC                                   302571104        1       29 SH       SOLE                       29        0        0
FPL GROUP INC                                   302571104      100     2000 SH       DEFINED                  2000        0        0
FEDERAL MOGUL CORP                              313549107        5      200 SH       SOLE                      200        0        0
FANNIE MAE                                      313586109      918    14650 SH       SOLE                    13450        0     1200
FANNIE MAE                                      313586109      181     2900 SH       DEFINED                  2900        0        0
FINOVA GROUP INC                                317928109       14      400 SH       SOLE                      400        0        0
FIRST COMMONWEALTH FINL CORP                    319829107     1548    60725 SH       SOLE                    47549        0    13176
FIRST COMMONWEALTH FINL CORP                    319829107      344    13508 SH       DEFINED                 12698        0      810
FIRST UNION CORP                                337358105      122     3445 SH       SOLE                     2819        0      626
FIRST VIRGINIA BANKS INC                        337477103        9      224 SH       SOLE                        0        0      224
FIRST ENGERY CORP                               337932107      190     7519 SH       SOLE                     7070        0      449
FIRST ENGERY CORP                               337932107      144     5719 SH       DEFINED                  5719        0        0
FLEET FINANACIAL GROUP INC                      338915101       29      800 SH       SOLE                        0        0      800
FLORIDA PROGRESS CORP                           341109106      161     3500 SH       SOLE                     1500        0     2000
FLUOR CORP                                      343861100        8      200 SH       SOLE                        0        0      200
FOOTSTAR INC                                    344912100       44     1266 SH       DEFINED                  1266        0        0
FORD MOTOR COMPANY                              345370100      590    11744 SH       SOLE                    11644        0      100
FORD MOTOR COMPANY                              345370100      160     3200 SH       DEFINED                  3000        0      200
FOREST LABS INC                                 345838106       21      500 SH       SOLE                        0        0      500
FORTUNE BRANDS INC                              349631101      506    15700 SH       SOLE                    14500        0     1200
FORTUNE BRANDS INC                              349631101       36     1125 SH       DEFINED                  1125        0        0
FRANCHISE FINANCIAL CORP OF AM                  351807102       16      726 SH       SOLE                      726        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

GPU INC                                         36225X100      161     4965 SH       SOLE                     4339        0      626
GPU INC                                         36225X100      188     5767 SH       DEFINED                  5767        0        0
GTE CORP                                        362320103     1638    21313 SH       SOLE                    20225        0     1088
GTE CORP                                        362320103      272     3548 SH       DEFINED                  3498        0       50
GABELLI GLOBAL MULTIMEDIA   TRUST               36239Q109        4      285 SH       SOLE                      285        0        0
GABELLI EQUITY TRUST INC                        362397101       35     3183 SH       SOLE                     3183        0        0
GABELLI UTILITY TRUST COMMON                    36240A101        2      318 SH       SOLE                      318        0        0
GALLAHER GROUP PLC                              363595109      410    15100 SH       SOLE                    13900        0     1200
GALLAHER GROUP PLC                              363595109       33     1225 SH       DEFINED                  1225        0        0
GANNETT INC                                     364730101      345     5000 SH       SOLE                     5000        0        0
GARTNER GROUP INC NEW COM   CLASS B             366651206       38     2288 SH       SOLE                     2002        0      286
GARTNER GROUP INC NEW COM   CLASS B             366651206        4      260 SH       DEFINED                   260        0        0
GATEWAY INC                                     367626108       17      400 SH       SOLE                      400        0        0
GENERAL CABLE CORP                              369300108       16     1350 SH       SOLE                     1350        0        0
GENERAL ELECTRIC CO                             36960410S       16      137 SH       SOLE                       48        0       89
GENERAL ELECTRIC CO                             369604103     3335    28130 SH       SOLE                    24830        0     3300
GENERAL ELECTRIC CO                             369604103      177     1500 SH       DEFINED                  1300        0      200
GENERAL INSTRUMENT CORP                         370120107        4      100 SH       SOLE                      100        0        0
GENERAL MILLS INC                               370334104      103     1275 SH       SOLE                     1175        0      100
GENERAL MILLS INC                               370334104       16      200 SH       DEFINED                   200        0        0
GENERAL MOTORS CORP                             370442105      526     8372 SH       SOLE                     8372        0        0
GENERAL MOTORS CORP                             370442105       83     1333 SH       DEFINED                  1333        0        0
GENERAL MOTORS CORP H                           370442832        4       76 SH       SOLE                       76        0        0
GENUINE PARTS CO                                372460105       17      650 SH       SOLE                      650        0        0
GENUINE PARTS CO                                372460105        7      300 SH       DEFINED                   300        0        0
GILLETTE COMPANY                                37576610S       80     2368 SH       SOLE                     1803        0      565
GILLETTE COMPANY                                375766102      335     9874 SH       SOLE                     8874        0     1000
GILLETTE COMPANY                                375766102       20      600 SH       DEFINED                     0        0      600
GLAXO WELLCOME PLC SPONSORED                    37733W105       20      400 SH       SOLE                      400        0        0
GLOBAL MARINE INC                               379352404       16     1000 SH       SOLE                     1000        0        0
HRPT PPTYS TR                                   40426W101       13     1230 SH       SOLE                     1230        0        0
HALLIBURTON CO                                  406216101       15      375 SH       SOLE                      375        0        0
JOHN HANCOCK BK & THRIFT FD                     409735107        7      892 SH       SOLE                      892        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

JOHN HAN PATR PREM DIV FD I                     41013Q101        6      756 SH       SOLE                        0        0      756
HARNISHFEGER INDUSTRIES INC                     413345109        0      800 SH       SOLE                      800        0        0
HARTFORD FINL GRP INC COM                       416515104       40      996 SH       SOLE                      996        0        0
HAWAIIAN ELECTRIC INDS                          419870100       17      494 SH       SOLE                      494        0        0
HEALTH CARE PPTY INVS                           421915109       13      500 SH       SOLE                      500        0        0
HEALTHCARE REALTY TRUST INC                     421946104       16      880 SH       SOLE                      880        0        0
HEINZ (H.J.) CO                                 423074103     2270    52800 SH       SOLE                    50350        0     2450
HEINZ (H.J.) CO                                 423074103       25      600 SH       DEFINED                   600        0        0
HERITAGE FINANCIAL CORP                         42722X106        6      800 SH       SOLE                      800        0        0
HERSHEY FOODS CORP                              427866108      136     2800 SH       SOLE                     2800        0        0
HERSHEY FOODS CORP                              427866108       38      800 SH       DEFINED                     0        0      800
HEWLETT-PACKARD CO                              428236103      154     1700 SH       SOLE                     1200        0      500
HEWLETT-PACKARD CO                              428236103       27      300 SH       DEFINED                     0        0      300
HIRSCH INTERNATIONAL CORP A                     433550100        0      120 SH       SOLE                      120        0        0
HUBBELL INC -CL B                               443510201       22      700 SH       SOLE                      700        0        0
HUBBELL INC -CL B                               443510201       41     1298 SH       DEFINED                  1298        0        0
HUSSMAN INTERNATIONAL                           448110106       21     1274 SH       SOLE                        0        0     1274
HYPERION 2002 TERM TRUST INC                    448915108       37     4595 SH       SOLE                        0        0     4595
IMS HEALTH INC                                  449934108      399    17500 SH       SOLE                    15300        0     2200
IMS HEALTH INC                                  449934108       45     2000 SH       DEFINED                  2000        0        0
ITT INDUSTRIES INC                              450911102       59     1858 SH       SOLE                     1758        0      100
ITT INDUSTRIES INC                              450911102        6      200 SH       DEFINED                   200        0        0
IKON OFFICE SOLUTIONS INC                       451713101        3      300 SH       SOLE                      300        0        0
IKON OFFICE SOLUTIONS INC                       451713101        3      300 SH       DEFINED                     0        0      300
INGERSOLL-RAND CO                               456866102       41      750 SH       SOLE                        0        0      750
INTEL CORP                                      45814010S      100     1358 SH       SOLE                     1004        0      354
INTEL CORP                                      458140100     3107    41823 SH       SOLE                    34323        0     7500
INTEL CORP                                      458140100      490     6600 SH       DEFINED                  4900        0     1700
INTL BUSINESS MACHINES CORP                     459200101      968     8002 SH       SOLE                     7432        0      570
INTL BUSINESS MACHINES CORP                     459200101      169     1400 SH       DEFINED                  1400        0        0
IPALCO ENTERPRISES INC                          462613100       81     4200 SH       SOLE                     4200        0        0
JEFFERSON-PILOT CORP                            475070108       18      300 SH       SOLE                        0        0      300
JOHNSON & JOHNSON                               47816010S       95     1045 SH       SOLE                      786        0      259

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

JOHNSON & JOHNSON                               478160104      110     1200 SH       SOLE                      400        0      800
JOHNSON & JOHNSON                               478160104        9      100 SH       DEFINED                     0        0      100
JUNO ONLINE SERVICES INC                        482048105        1      100 SH       SOLE                      100        0        0
KMART CORP                                      482584109       12     1100 SH       SOLE                        0        0     1100
KMART CORP                                      482584109       15     1300 SH       DEFINED                  1300        0        0
KELLOGG CO                                      487836108        7      200 SH       SOLE                      200        0        0
KENNAMETAL INC                                  489170100       33     1300 SH       SOLE                     1300        0        0
KERR-MCGEE CORP                                 492386107        4       81 SH       SOLE                       81        0        0
KEYCORP                                         493267108       20      800 SH       SOLE                      800        0        0
KEYSTONE FIN INC                                493482103        6      280 SH       SOLE                      280        0        0
KIMBERLY-CLARK CORP                             494368103     1128    21400 SH       SOLE                    19400        0     2000
KIMBERLY-CLARK CORP                             494368103      168     3200 SH       DEFINED                  3000        0      200
KINDER MORGAN ENERGY                            494550106        6      139 SH       SOLE                      139        0        0
KONINKLIJKE PHILIPS ELECTRS NEW                 500472204        9       92 SH       SOLE                       92        0        0
LSI LOGIC CORP                                  502161102       31      600 SH       SOLE                        0        0      600
ESTEE LAUDER COMPANY CL A                       518439104        7      200 SH       SOLE                      200        0        0
LEXINGTON CORP PPTYS TR COM                     529043101       33     2975 SH       SOLE                     2975        0        0
LIBERTY ALL STAR EQUITY FUND                    530158104       57     4915 SH       SOLE                     4915        0        0
LILLY (ELI) & CO                                532457108       25      400 SH       SOLE                      400        0        0
LINCOLN NATIONAL CORP                           534187109      537    14320 SH       SOLE                    14320        0        0
LUCENT TECHNOLOGIES INC                         54946310S      122     1896 SH       SOLE                     1404        0      492
LUCENT TECHNOLOGIES INC                         549463107     4304    66356 SH       SOLE                    58499        0     7857
LUCENT TECHNOLOGIES INC                         549463107      555     8558 SH       DEFINED                  5682        0     2876
LYONDELL CHEMICAL COMPANY                       552078107       53     4000 SH       DEFINED                  4000        0        0
MBNA CORP                                       55262L100       38     1687 SH       SOLE                      337        0     1350
MCI WORLDCOM INC                                55268B10S      102     1426 SH       SOLE                     1037        0      389
MCI WORLDCOM INC                                55268B106      246     3424 SH       SOLE                     1974        0     1450
MCI WORLDCOM INC                                55268B106      111     1550 SH       DEFINED                   750        0      800
MFS CHARTER INCOME TRUST                        552727109        8     1000 SH       SOLE                        0        0     1000
MANAGED MUNI PORTFOLIO INC                      561662107       26     2726 SH       SOLE                     2726        0        0
MATTEL INC                                      577081102       15      796 SH       SOLE                      796        0        0
MAY DEPARTMENT STORES CO                        577778103      139     3834 SH       SOLE                     3834        0        0
MAY DEPARTMENT STORES CO                        577778103      167     4587 SH       DEFINED                  4587        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

MAYTAG CORP                                     57859210S       42     1282 SH       SOLE                      994        0      288
MCDONALD'S CORP                                 580135101      354     8200 SH       SOLE                     5400        0     2800
MCDONALD'S CORP                                 580135101      157     3652 SH       DEFINED                  2852        0      800
MCKESSON HBOC INC                               58155Q103      261     9000 SH       SOLE                     9000        0        0
MCKESSON HBOC INC                               58155Q103       11      400 SH       DEFINED                   200        0      200
MEDIAONE GROUP INC                              58440J104       73     1083 SH       SOLE                      973        0      110
MELLON BANK CORP                                585509102      245     7308 SH       SOLE                     7308        0        0
MERCK & CO., INC                                589331107     1561    24096 SH       SOLE                    22826        0     1270
MERITOR AUTOMOTIVE                              59000G100       84     4063 SH       SOLE                     3430        0      633
MERITOR AUTOMOTIVE                              59000G100       41     1965 SH       DEFINED                  1965        0        0
MICROSOFT CORP                                  59491810S      125     1388 SH       SOLE                     1024        0      364
MICROSOFT CORP                                  594918104     2701    29834 SH       SOLE                    26334        0     3500
MICROSOFT CORP                                  594918104      271     3000 SH       DEFINED                   800        0     2200
MIDAS GROUP                                     595626102        8      424 SH       SOLE                        0        0      424
MILLENNIUM CHEMICALS INC                        599903101        0        7 SH       SOLE                        7        0        0
MILLS CORP                                      601148109        8      500 SH       SOLE                      500        0        0
MINNESOTA MINING & MFG CO                       604059105       33      344 SH       SOLE                      344        0        0
MISSISSIPPI CHEMICAL                            605288208        0      100 SH       SOLE                        0        0      100
MITEL CORP                                      606711109        0      100 SH       SOLE                      100        0        0
MOBIL CORP                                      607059102     1446    14362 SH       SOLE                    13362        0     1000
MOBIL CORP                                      607059102       66      656 SH       DEFINED                   656        0        0
THE MONY GROUP INC                              615337102        3      111 SH       SOLE                      111        0        0
J P MORGAN & COMPANY                            616880100       14      130 SH       SOLE                      130        0        0
MORGAN STANLEY DEAN WITTER                      617446448       81      914 SH       SOLE                      914        0        0
MORGAN STANLEY DEAN WITTER                      617446448        7       82 SH       DEFINED                    82        0        0
MORGAN STANLEY DEAN WITTER  GOVT INCOME TR      61745P106        8     1000 SH       SOLE                     1000        0        0
MOTOROLA INC                                    620076109       44      500 SH       SOLE                      500        0        0
NCR CORP                                        62886E108       12      385 SH       SOLE                      370        0       15
NCR CORP                                        62886E108        3      104 SH       DEFINED                   104        0        0
NABISCO GROUP HOLDING GROUP                     62952P102       50     3346 SH       SOLE                     3146        0      200
NABISCO GROUP HOLDING GROUP                     62952P102        1      100 SH       DEFINED                     0        0      100
NACCO INDUSTRIES -CL A                          629579103       20      300 SH       SOLE                      300        0        0
UIT NASDAQ 100 TR 1                             631100104       10       84 SH       SOLE                       84        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

NATIONAL CITY CORP                              635405103     2059    77196 SH       SOLE                    77196        0        0
NATIONAL FUEL GAS CO                            636180101      704    14939 SH       SOLE                    14939        0        0
NATIONAL FUEL GAS CO                            636180101       18      400 SH       DEFINED                     0        0      400
NEW CENTURY ENERGIES INC                        64352U103        3      100 SH       SOLE                      100        0        0
NEW ENGLAND ELECTRIC SYSTEM                     644001109       25      500 SH       SOLE                      500        0        0
NEWELL RUBBERMAID INC                           651229106      374    13108 SH       SOLE                    13108        0        0
NIELSON MEDIA RESH INC NEW                      653929307        7      198 SH       SOLE                      165        0       33
NICOR INC                                       654086107       14      402 SH       SOLE                      402        0        0
NORFOLK SOUTHERN CORP                           655844108      153     6258 SH       SOLE                      300        0     5958
NORTEL NETWORKS CORP                            656569100       61     1200 SH       SOLE                        0        0     1200
NORTHWEST BANCORP PA                            667328108        8     1000 SH       SOLE                     1000        0        0
NORTHWESTERN CORP                               668074107       12      536 SH       SOLE                      536        0        0
NOVACARE INC                                    669930109       59    50000 SH       SOLE                        0        0    50000
NUVEEN PREMIUM INC MUNI FUND                    6706K4105       14     1200          SOLE                     1200        0        0
NUVEEN PENN PREMIUM INC 2                       67061F101       56     4413          SOLE                     4413        0        0
NUVEEN PENN PREMIUM INC 2                       67061F101        3      300          DEFINED                   300        0        0
NUVEEN MUNI ADVANTAGE FUND                      67062H106       10      745 SH       SOLE                      745        0        0
OGE ENERGY CORP                                 670837103      105     4734 SH       SOLE                     4734        0        0
NUVEEN MUNI VALUE FUND                          670928100        8     1063 SH       SOLE                     1063        0        0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC  670972108       50     3300          SOLE                     3300        0        0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC  670972108       65     4234          DEFINED                  4234        0        0
NUVEEN QUALITY MUNI FUND                        670977107       44     3000          SOLE                     3000        0        0
OAK TECHNOLOGY                                  671802106        2      500 SH       DEFINED                     0        0      500
OGDEN CORP                                      676346109       20     2000 SH       SOLE                     2000        0        0
OLD REPUBLIC INTERNATIONAL  CORP                680223104       84     5886 SH       SOLE                     5886        0        0
OMEGA FINANCIAL CORP                            682092101       56     1800 SH       SOLE                     1800        0        0
OMNIPOINT CORP                                  68212D102        5      100 SH       SOLE                      100        0        0
ORACLE CORP                                     68389X105       34      750 SH       DEFINED                     0        0      750
OREGON TRAIL FINANCIAL CORP                     685932105        7      700 SH       SOLE                      700        0        0
P COM INC                                       693262107        0       80 SH       SOLE                       80        0        0
PECO ENERGY CO                                  693304107       11      300 SH       SOLE                      100        0      200
PECO ENERGY CO                                  693304107      217     5789 SH       DEFINED                  5789        0        0
PNC BANK CORP                                   693475105      766    14546 SH       SOLE                    11921        0     2625
PNC BANK CORP                                   693475105      152     2900 SH       DEFINED                  2900        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

PP&L RESOURCES INC                              693499105       28     1037 SH       SOLE                     1037        0        0
PPG INDUSTRIES INC                              693506107      658    10975 SH       SOLE                    10975        0        0
PPG INDUSTRIES INC                              693506107       28      480 SH       DEFINED                   480        0        0
PARAMETRIC TECHNOLOGY CORP                      699173100        2      200 SH       SOLE                      200        0        0
PAYLESS SHOESOURCE INC                          704379106       14      297 SH       DEFINED                   297        0        0
PENN TRAFFIC CO NEW                             707832200        0       15 SH       SOLE                        5        0       10
PENNEY (J.C.) CO                                708160106        7      220 SH       SOLE                      220        0        0
PENNEY (J.C.) CO                                708160106      152     4412 SH       DEFINED                  4412        0        0
PENNZOIL QUAKER ST CO                           709323109       24     1903 SH       SOLE                     1903        0        0
PEPSICO INC                                     71344810S       84     2773 SH       SOLE                     2033        0      740
PEPSICO INC                                     713448108      648    21260 SH       SOLE                    18760        0     2500
PEPSICO INC                                     713448108      198     6500 SH       DEFINED                  3600        0     2900
PHARMACIA & UPJOHN INC                          716941109       35      724 SH       SOLE                      724        0        0
PFIZER INC                                      71708110S       69     1925 SH       SOLE                     1472        0      453
PFIZER INC                                      717081103      461    12867 SH       SOLE                    10167        0     2700
PFIZER INC                                      717081103       43     1200 SH       DEFINED                     0        0     1200
PHILLIP MORRIS COMPANIES INC                    718154107      119     3500 SH       SOLE                      900        0     2600
PHILLIP MORRIS COMPANIES INC                    718154107       20      600 SH       DEFINED                   600        0        0
PHILLIPS PETROLEUM CO                           718507106       19      393 SH       SOLE                      393        0        0
PHILLIPS PETROLEUM CO                           718507106       12      257 SH       DEFINED                   257        0        0
PILGRIM PRIME RATE TRUST NEW SH BEN INT         72146W103       40     4299 SH       SOLE                     4299        0        0
POTOMAC ELECTRIC POWER                          737679100      486    19120 SH       SOLE                    18020        0     1100
POTOMAC ELECTRIC POWER                          737679100       53     2100 SH       DEFINED                  1700        0      400
PRAXAIR INC                                     74005P104      101     2204 SH       SOLE                     2204        0        0
PROCTOR & GAMBLE CO                             742718109      281     3000 SH       SOLE                     3000        0        0
PROCTOR & GAMBLE CO                             742718109       75      800 SH       DEFINED                     0        0      800
PROSPECT STREET HI INC FUND                     743586406        5      592 SH       SOLE                      592        0        0
PROVIDIAN FINANCIAL CORP                        74406A102       35      450 SH       SOLE                      450        0        0
PUBLIC SERVICE ENTERPRISE GP                    744573106      213     5540 SH       SOLE                     5540        0        0
PUBLIC SERVICE ENTERPRISE GP                    744573106       15      400 SH       DEFINED                   400        0        0
PUTNAM MASTER INCOME TRUST                      74683K104       27     4000 SH       SOLE                     4000        0        0
PUTNAM MASTER INTER INCOME  TR                  746909100        7     1129 SH       SOLE                     1129        0        0
PUTNAM MASTER INTER INCOME  TR                  746909100        3      500 SH       DEFINED                   500        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

QUAKER OATS CO                                  747402105      111     1800 SH       SOLE                     1800        0        0
R&B FALCON CORPORATION                          74912E101       32     2500 SH       SOLE                     2500        0        0
R&B FALCON CORPORATION                          74912E101        5      440 SH       DEFINED                     0        0      440
QWEST COMMUNICATIONS INTL                       74912110S       74     2512 SH       SOLE                     1976        0      536
QWEST COMMUN INTL                               749121109      190     6450 SH       SOLE                     3750        0     2700
QWEST COMMUN INTL                               749121109      116     3950 SH       DEFINED                  1150        0     2800
RCN CORPORATION                                 749361101       54     1320 SH       SOLE                      660        0      660
RH DONNELLEY CORP COM NEW                       74955W307        3      200 SH       SOLE                      180        0       20
RH DONNELLEY CORP COM NEW                       74955W307        0       40 SH       DEFINED                    40        0        0
RGS ENERGY GROUP INC                            74956K104        6      262 SH       SOLE                      262        0        0
RALCORP HOLDINGS INC NEW                        751028101        8      466 SH       SOLE                      466        0        0
RALSTON-RALSTON                                 75127730S       62     2260 SH       SOLE                     1725        0      535
RALSTON-RALSTON                                 751277302      144     5172 SH       SOLE                     5172        0        0
RAYONIER INC                                    754907103        5      125 SH       SOLE                      125        0        0
RAYTHEON CO                                     755111309        4       98 SH       SOLE                       98        0        0
RAYTHEON CO                                     755111309        3       78 SH       DEFINED                    78        0        0
RAYTHEON CO CL B                                755111408       94     1900 SH       SOLE                     1900        0        0
READERS DIGEST ASSN -CL A                       755267101      122     4200 SH       SOLE                     3700        0      500
READERS DIGEST ASSN -CL A                       755267101       11      400 SH       DEFINED                   300        0      100
RELIANT ENERGY INC                              75952J108       43     1600 SH       SOLE                     1600        0        0
REMEDY CORPORATION                              759548100        2      100 SH       SOLE                      100        0        0
RESPIRONICS INC                                 761230101        3      400 SH       SOLE                      400        0        0
REYNOLDS RJ TOBACCO HOLDINGS INC                76182K105        0       15 SH       SOLE                       15        0        0
RITE AID CORP                                   767754104       22     1600 SH       SOLE                      800        0      800
RITE AID CORP                                   767754104        4      300 SH       DEFINED                   200        0      100
ROCKWELL INTL CORP                              773903109      770    14668 SH       SOLE                    12768        0     1900
ROCKWELL INTL CORP                              773903109      312     5950 SH       DEFINED                  5250        0      700
ROHM & HAAS CO                                  775371107       13      368 SH       SOLE                      368        0        0
ROYAL DUTCH PETE                                780257804       30      520 SH       SOLE                      520        0        0
ROYAL DUTCH PETE                                780257804       11      200 SH       DEFINED                     0        0      200
S&T BANCORP INC                                 783859101    63144  2775569 SH       SOLE                  2721099        0    54470
S&T BANCORP INC                                 783859101     6457   283866 SH       DEFINED                277726        0     6140
SBC COMMUNICATIONS INC                          78387G103     1995    39081 SH       SOLE                    35510        0     3571
SBC COMMUNICATIONS INC                          78387G103      111     2192 SH       DEFINED                  1792        0      400

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

SAFETY KLEEN CORP NEW                           78648R203       12     1000 SH       SOLE                     1000        0        0
ST PAUL COMPANIES                               792860108       49     1804 SH       SOLE                     1804        0        0
SANTA FE ENERGY TR-UTS                          802013102       27     1500 SH       SOLE                     1500        0        0
SARA LEE CORP                                   803111103      451    19300 SH       SOLE                    18700        0      600
SARA LEE CORP                                   803111103       70     3000 SH       DEFINED                  3000        0        0
SCHERING-PLOUGH CORP                            806605101      731    16770 SH       SOLE                    16770        0        0
SCHERING-PLOUGH CORP                            806605101       52     1200 SH       DEFINED                     0        0     1200
SCHLUMBERGER LTD                                80685710S       76     1224 SH       SOLE                      917        0      307
SCHLUMBERGER LTD                                806857108       81     1300 SH       SOLE                      800        0      500
SCHLUMBERGER LTD                                806857108      169     2725 SH       DEFINED                  2475        0      250
CHARLES SCHWAB CORPORATION                      808513105        3      100 SH       SOLE                        0        0      100
SCOTT TECHNOLOGIES INC COM                      810022301      296    15000 SH       SOLE                    15000        0        0
SEARS, ROEBUCK AND CO                           812387108       37     1208 SH       SOLE                     1208        0        0
SEARS, ROEBUCK AND CO                           812387108        3      124 SH       DEFINED                   124        0        0
SERVICEMASTER CO                                81760N109       60     3795 SH       SOLE                     3795        0        0
SHERWIN-WILLIAMS CO                             824348106        2      120 SH       SOLE                      120        0        0
SKY FINANCIAL GROUP                             83080P103       40     1711 SH       SOLE                     1711        0        0
SOUTH JERSEY INDUSTRIES                         838518108        0       20 SH       SOLE                       20        0        0
SOUTHERN CO                                     842587107       62     2412 SH       SOLE                     2412        0        0
SPRINT CORP                                     852061100      144     2666 SH       SOLE                     2666        0        0
SPRINT CORP (PCS GROUP)                         852061506       49      666 SH       SOLE                      666        0        0
STARBUCKS CORPORATION                           855244109       13      536 SH       SOLE                      536        0        0
STARWOOD HOTELS & RESORTS   WORLDWIDE INC       85590A203       18      823 SH       SOLE                      823        0        0
STORAGE TECHNOLOGY CORP NEW                     862111200        1      100 SH       SOLE                      100        0        0
SUMMIT BANCORP                                  866005101      270     8352 SH       SOLE                     8352        0        0
SUNBEAM CORP                                    867071102       26     4750 SH       SOLE                     4100        0      650
SUNBEAM CORP                                    867071102        1      300 SH       DEFINED                   300        0        0
SUNOCO INC                                      86764P109        6      220 SH       SOLE                      220        0        0
TECO ENERGY INC                                 872375100      240    11400 SH       SOLE                    10200        0     1200
TECO ENERGY INC                                 872375100        8      400 SH       DEFINED                     0        0      400
TELESCAN INC                                    879516102        4      300 SH       SOLE                      300        0        0
TEMPLETON GLOBAL INCOME FUND                    880198106        5      844 SH       SOLE                      844        0        0
TENNECO INC                                     88037E101       44     2610 SH       SOLE                     2560        0       50

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

TEXACO INC                                      881694103      204     3240 SH       SOLE                     2740        0      500
TEXACO INC                                      881694103       47      750 SH       DEFINED                   400        0      350
TEXAS UTILITIES CO                              882848104        7      200 SH       SOLE                      200        0        0
TEXAS UTILITIES CO                              882848104       18      500 SH       DEFINED                   500        0        0
3COM CORP                                       885535104       43     1500 SH       SOLE                     1200        0      300
TRICON GLOBAL RESTAURANT INC                    895953107       69     1710 SH       SOLE                     1550        0      160
TRICON GLOBAL RESTAURANT INC                    895953107        3       80 SH       DEFINED                    80        0        0
II-VI INC                                       902104108       11     1000 SH       SOLE                        0        0     1000
TYCO INTERNATIONAL LTD                          902124106      189     1840 SH       SOLE                     1540        0      300
UGI CORP                                        902681105       15      650 SH       SOLE                      650        0        0
USX-MARATHON GROUP                              902905827       59     2047 SH       SOLE                     2047        0        0
US BANCORP                                      902973106        3      117 SH       SOLE                      117        0        0
USX-US STEEL GROUP INC                          90337T101       10      419 SH       SOLE                      419        0        0
UNILEVER NV NY SHARE F NEW                      90478470S       95     1409 SH       SOLE                     1082        0      327
UNILEVER NV NY SHARE F NEW                      904784709      479     7032 SH       SOLE                     6943        0       89
UNILEVER NV NY SHARE F NEW                      904784709       36      535 SH       DEFINED                     0        0      535
UNION CARBIDE SORP HLDG CO                      905581104      134     2370 SH       SOLE                     2370        0        0
UNION PACIFIC CORP                              907818108      240     5000 SH       SOLE                     4200        0      800
UNION PACIFIC CORP                              907818108      240     5000 SH       DEFINED                  4600        0      400
UNION PACIFIC RESOURCES GRP                     907834105       35     2200 SH       SOLE                     2200        0        0
UNION PACIFIC RESOURCES GRP                     907834105       60     3700 SH       DEFINED                  3300        0      400
UNITED DOMINION INDUSTRIES  LTD                 909914103       11      500 SH       SOLE                        0        0      500
US OFFICE PRODUCTS NEW                          912325305        0      172 SH       SOLE                      172        0        0
US WEST INC                                     91273H101      406     7117 SH       SOLE                     6589        0      528
US WEST INC                                     91273H101       19      342 SH       DEFINED                   342        0        0
VAN KAMPEN INTERMEDIATE TERM HIGH INC TRUST     920911104        3      600 SH       SOLE                      600        0        0
VAM KAMPEN PENNA QUALITY    MUNICIPAL TRUST     920924107       55     3627          SOLE                     3627        0        0
VAN KAMPEN TRUST FOR INVEST MENT GRADE MUNICIPAL920929106       14     1000          SOLE                     1000        0        0
VAN KAMPEN TRUST INVESTMENT GRADE PA MUNS       920934106       16     1000          SOLE                     1000        0        0
VAN KAMPEN ADVANTAGE PENNA  MUN INCOME TRUST    920937109        4      266          SOLE                      266        0        0
VAN KAMPEN STRATEGIC SECTOR MUNICIPAL TRUST     920943107        3      335          SOLE                      167        0      168
VAN KAMPEN SR INCOME TR COM                     920961109       18     2000 SH       SOLE                     2000        0        0
VIAD CORP                                       92552R109      186     6308 SH       SOLE                     6008        0      300
VIAD CORP                                       92552R109        2      100 SH       DEFINED                   100        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

VODAFONE AIRTOUCH PUBLIC LTD CO ADR             92857T107      610     2568 SH       SOLE                     2520        0       48
VODAFONE AIRTOUCH PUBLIC LTD CO ADR             92857T107       23      100 SH       DEFINED                   100        0        0
WPS RESOURCES CORP                              92931B106      106     3800 SH       SOLE                     3800        0        0
WAL-MART STORES INC                             931142103      119     2520 SH       SOLE                     2520        0        0
WAL-MART STORES INC                             931142103        4      100 SH       DEFINED                     0        0      100
WALGREEN CO                                     931422109       20      800 SH       SOLE                      800        0        0
WALGREEN CO                                     931422109      101     4000 SH       DEFINED                     0        0     4000
WARNER LAMBERT CO                               93448810S      105     1595 SH       SOLE                     1237        0      358
WARNER LAMBERT CO                               934488107     2697    40650 SH       SOLE                    36750        0     3900
WARNER LAMBERT CO                               934488107      222     3350 SH       DEFINED                  1200        0     2150
WASHINGTON GAS LIGHT CO                         938837101        9      354 SH       SOLE                      354        0        0
WASTE MANAGEMENT INC NEW                        94106L109      106     5549 SH       SOLE                     4949        0      600
WEIDER NUTRITION "A"                            948603105        3     1000 SH       SOLE                     1000        0        0
WELLS FARGO & CO NEW                            949746101       32      820 SH       SOLE                      820        0        0
WHITMAN CORP NEW                                96647R107       36     2548 SH       SOLE                        0        0     2548
WILLIAMS COS INC                                969457100       34      912 SH       SOLE                      912        0        0
WINN-DIXIE STORES INC                           974280109       13      460 SH       SOLE                      460        0        0
WORTHINGTON INDUSTRIES                          981811102      251    14800 SH       SOLE                    13700        0     1100
WORTHINGTON INDUSTRIES                          981811102       59     3500 SH       DEFINED                  1100        0     2400
YORK INTERNATIONAL CORP                         986670107       53     1500 SH       SOLE                        0        0     1500
ZWEIG TOTAL RETURN FUND INC                     989837109       24     3000 SH       SOLE                     3000        0        0

 GRAND TOTALS                                               178759  5737447                                5295124        0   442323
</TABLE>


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