S&T BANK/PA
13F-HR, 2000-05-05
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549

FORM 13F

FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  March 31, 2000

Check here if Amendment [  ]: Amendment Number:

This Amendment (Check only one.):	[  ] is a restatement.

					      [  ] adds new holdings entries.


Institutional Investment Manager Filing this Report:

Name:		S & T Bank
Address:	800 Philadelphia Street
		Indiana, PA  15701

13F File Number:  28-0001010911

The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person signing
the report is authorized to submit it, that all information contained
herein is true, correct and complete, and that it is understood that
all required items, statements, schedules,lists, and tables, are
considered integral parts of this form.


Person Signing this Report on Behalf of Reporting Manager:

Name:		Lisa K. Wymer
Title:	Assistant Vice President
Phone:	724-465-1410

Signature, Place, and Date of Signing:

	Lisa K. Wymer	Indiana, PA	May 5, 2000

Report Type (Check only one):

[  ]	13F HOLDINGS REPORT.

[  ]	13F NOTICE

[X ]	13F COMBINATION REPORT


List of Other Managers Reporting for this Manager:

	Form 13F File Number	Name

<PAGE>
Form 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:	0

Form 13F Information Table Entry Total:	544

Form 13F Information Table Value Total:	$169,044 (thousands)



List of Other Included Managers:

No.	13F File Number		Name


<TABLE>

<S>                            <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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

GLOBAL CROSSINGS LTD                            G3921A100        6      150 SH       SOLE                        0        0      150
GLOBALSTAR TELECOM LTD                          G3930H104        2      200 SH       SOLE                      200        0        0
LORAL SPACE & COMMUNICATIONS                    G56462107       88     8700 SH       SOLE                     7700        0     1000
LORAL SPACE & COMMUNICATIONS                    G56462107       34     3400 SH       DEFINED                   500        0     2900
TRANSOCEAN SEDCO FOREX INC                      G9007810S       20      398 SH       SOLE                      228        0      170
TRANSOCEAN SEDCO FOREX INC                      G90078109       12      248 SH       SOLE                      153        0       95
TRANSOCEAN SEDCO FOREX INC                      G90078109       26      524 SH       DEFINED                   476        0       48
ACM GOVERNMENT INCOME FUND                      000912105       25     3600 SH       SOLE                     1600        0     2000
AGL RESOURCES INC                               001204106      124     6800 SH       SOLE                     6400        0      400
AGL RESOURCES INC                               001204106       15      850 SH       DEFINED                   800        0       50
AK STL HOLDING CORP                             001547108        3      382 SH       SOLE                      382        0        0
AT&T CORP                                       00195710S      327     5813 SH       SOLE                     3615        0     2198
AT&T CORP                                       001957109     3847    68322 SH       SOLE                    63661        0     4661
AT&T CORP                                       001957109      491     8734 SH       DEFINED                  6684        0     2050
AXA FINANCIAL INC                               002451102        8      248 SH       SOLE                      248        0        0
ABBOTT LABORATORIES                             002824100      571    16240 SH       SOLE                    10240        0     6000
ABBOTT LABORATORIES                             002824100       14      400 SH       DEFINED                     0        0      400
ADAPTIVE BROADBAND CORP                         00650M104       10      200 SH       SOLE                      200        0        0
ADVANCED TECHNICAL PRODUCTS                     007548100        4     1000 SH       SOLE                     1000        0        0
ADV MICRO DEVICES INC                           007903107       28      500 SH       SOLE                      500        0        0
AEGON NV                                        007924103       27      346 SH       SOLE                      346        0        0
AETNA INC                                       008117103       55     1000 SH       DEFINED                  1000        0        0
ALBERTSON'S INC                                 013104104      104     3400 SH       SOLE                     3100        0      300
ALBERTSON'S INC                                 013104104       43     1400 SH       DEFINED                   800        0      600
ALCOA INC                                       013817101      196     2800 SH       SOLE                     2800        0        0
ALLEGHENY POWER SYSTEM                          017361106       93     3372 SH       SOLE                     3372        0        0
ALLEGHENY POWER SYSTEM                          017361106       16      600 SH       DEFINED                   600        0        0
ALLIANCE CAPITAL MGMT HOLDING LP UNIT LTD PARTNE01855A101       58     1400 SH       SOLE                     1400        0        0
ALLIANT CORP                                    018802108        6      228 SH       SOLE                      228        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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

ALLIED IRISH BANKS PLC ADR                      019228402       36     1872 SH       SOLE                     1872        0        0
ALLIED WASTE INDUSTRIES INC                     019589308        6     1000 SH       SOLE                     1000        0        0
ALLIED WASTE INDUSTRIES INC                     019589308       13     2000 SH       DEFINED                     0        0     2000
ALLMERICA FINANCIAL CORP                        019754100        5      100 SH       SOLE                      100        0        0
ALLMERICA SECURITIES TRUST  SBI                 019921105       55     6000 SH       SOLE                     6000        0        0
ALLSTATE CORP                                   020002101       56     2388 SH       SOLE                     2388        0        0
ALLTEL CORP                                     020039103      523     8278 SH       SOLE                     7920        0      358
AMEREN CORP                                     023608102      158     5116 SH       SOLE                     5116        0        0
AMERICA ONLINE INC                              02364J10S      233     3468 SH       SOLE                     2119        0     1349
AMERICA ONLINE INC                              02364J104       95     1415 SH       SOLE                     1100        0      315
AMERICAN ELECTRIC POWER                         025537101       12      419 SH       SOLE                      419        0        0
AMERICAN GENERAL CORP                           026351106      121     2160 SH       SOLE                     2160        0        0
AMERICAN HOME PRODUCTS CORP                     026609107     1725    32104 SH       SOLE                    32104        0        0
AMERICAN HOME PRODUCTS CORP                     026609107      193     3600 SH       DEFINED                  2000        0     1600
AMERICAN INSURED MTG        INVESTOR LP SER 86  02686F103        0      200 SH       SOLE                      200        0        0
AMERICAN INTERNATIONAL GROUP INC                026874107       42      384 SH       SOLE                      384        0        0
AMERICAN WATER WORKS INC                        030411102      156     6600 SH       SOLE                     6600        0        0
AMERICAN WATER WORKS INC                        030411102        9      400 SH       DEFINED                     0        0      400
AMERIGAS PARTNERS L.P                           030975106       15     1000 SH       SOLE                     1000        0        0
AMERIGAS PARTNERS L.P                           030975106       30     2000 SH       DEFINED                  2000        0        0
AMETEK NEW                                      031100100       25     1300 SH       SOLE                     1300        0        0
AMGEN INC                                       031162100       92     1500 SH       SOLE                     1500        0        0
AMSOUTH BANCORPORATION COM                      032165102        7      500 SH       SOLE                      500        0        0
AMSOUTH BANCORPORATION COM                      032165102       59     4000 SH       DEFINED                     0        0     4000
ANIXTER INTERNATIONAL                           035290105        5      200 SH       SOLE                      200        0        0
ANIXTER INTERNATIONAL                           035290105        1       50 SH       DEFINED                    50        0        0
ASIA PACIFIC FUND                               044901106        5      532 SH       SOLE                      532        0        0
ASSET INVESTORS CORPORATION                     04541W107        2      200 SH       SOLE                      200        0        0
ASSOCIATES 1ST CAP CORP CL A                    046008108      120     5646 SH       SOLE                     5646        0        0
ASSOCIATES 1ST CAP CORP CL A                    046008108       23     1098 SH       DEFINED                  1046        0       52
ATLANTIC RICHFIELD CO                           048825103      222     2614 SH       SOLE                     2614        0        0
ATLANTIC RICHFIELD CO                           048825103       29      344 SH       DEFINED                   344        0        0
AUTODESK INC                                    052769106        9      200 SH       DEFINED                     0        0      200

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

AUTOLIV INC                                     052800109       10      341 SH       SOLE                      341        0        0
AUTOMATIC DATA PROCESSING                       053015103       19      400 SH       SOLE                      400        0        0
AVON PRODUCTS INC                               054303102       85     2916 SH       SOLE                      400        0     2516
BB&T CORPORATION                                054937107       14      500 SH       DEFINED                   500        0        0
BPAMOCO PLC SPONSORED ADR                       05562210S      270     5073 SH       SOLE                     3103        0     1970
BP AMOCO PLC SPONSORED ADR                      055622104     1010    18972 SH       SOLE                    18972        0        0
BT FINANCIAL CORP                               055763106      132     8477 SH       SOLE                     8477        0        0
BAKER HUGHES INC                                057224107       12      400 SH       SOLE                      400        0        0
BANK OF AMERICA CORP                            06050510S      307     5860 SH       SOLE                     3616        0     2244
BANK OF AMERICA CORP                            060505104      339     6484 SH       SOLE                     5080        0     1404
BANK OF AMERICA CORP                            060505104       52     1000 SH       DEFINED                     0        0     1000
BANK ONE CORP                                   06423A10S      264     7681 SH       SOLE                     4625        0     3056
BANK ONE CORP                                   06423A103      536    15562 SH       SOLE                    14629        0      933
BANK ONE CORP                                   06423A103     1090    31606 SH       DEFINED                  2912        0    28694
BARNES GROUP INC                                067806109        9      639 SH       SOLE                      639        0        0
BAXTER INTERNATIONAL INC                        071813109      285     4550 SH       SOLE                     4550        0        0
BAXTER INTERNATIONAL INC                        071813109       52      838 SH       DEFINED                   838        0        0
BECTON DICKINSON & CO                           075887109      457    17400 SH       SOLE                    17300        0      100
BECTON DICKINSON & CO                           075887109       86     3300 SH       DEFINED                  3300        0        0
BELL ATLANTIC CORP                              077853109     4310    70533 SH       SOLE                    65088        0     5445
BELL ATLANTIC CORP                              077853109      348     5694 SH       DEFINED                  3114        0     2580
BELLSOUTH CORP                                  079860102     3527    75267 SH       SOLE                    65640        0     9627
BELLSOUTH CORP                                  079860102      449     9596 SH       DEFINED                  5784        0     3812
BESTFOODS                                       08658U101       37      800 SH       SOLE                      800        0        0
BETHLEHEM STEEL (BS )       $2.5000             087509402       10      500 SH       SOLE                      500        0        0
BLACK & DECKER CORP                             091797100        3      100 SH       SOLE                      100        0        0
BLACKROCK INCOME TRUST                          09247F100       29     5000 SH       SOLE                     5000        0        0
BLACKROCK NORTH AMER GVT INC                    092475102       12     1333 SH       SOLE                        0        0     1333
BLACKROCK TARGET TERM TRUST                     092476100       19     2000 SH       SOLE                        0        0     2000
BLACKROCK 2001 TERM TRUST                       092477108     1304   146050 SH       SOLE                   135150        0    10900
BLACKROCK 2001 TERM TRUST                       092477108      153    17200 SH       DEFINED                 17200        0        0
BLAIR CORPORATION                               092828102        2      150 SH       SOLE                      150        0        0
BOB EVANS FARMS                                 096761101        2      182 SH       SOLE                      182        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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

BOEING CO                                       097023105      178     4714 SH       SOLE                     4538        0      176
BOEING CO                                       097023105       12      332 SH       DEFINED                   332        0        0
BOGEN COMMUNICATIONS INTERNATIONAL              097189104        3      300 SH       SOLE                      300        0        0
WTS BOGEN COMMUNICATIONS INTERNATIONAL 100700   097189112        1      400 SH       SOLE                      400        0        0
BRISTOL-MYERS SQUIBB CO                         110122108     3192    55039 SH       SOLE                    50039        0     5000
BRISTOL-MYERS SQUIBB CO                         110122108      323     5580 SH       DEFINED                  4480        0     1100
BURLINGTON NORTHERN SANTE FE                    12189T104       35     1542 SH       SOLE                     1542        0        0
CBRL GROUP INC COM                              12489V106        1      100 SH       SOLE                      100        0        0
CBS CORPORATION                                 12490K107      605    10689 SH       SOLE                     9989        0      700
CBS CORPORATION                                 12490K107       23      420 SH       DEFINED                   420        0        0
CENTRAL HUDSON GAS & ELECTRIC CORP              12541M102        6      200 SH       SOLE                      200        0        0
CIGNA HIGH INCOME SHS FUND                      12551D109        4      888 SH       SOLE                      888        0        0
CNB FINANCIAL CORP/PA                           126128107       11      570 SH       SOLE                      570        0        0
CSX CORP                                        126408103        3      144 SH       SOLE                      144        0        0
CVS CORP                                        126650100       73     1968 SH       SOLE                     1968        0        0
CVS CORP                                        126650100      590    15732 SH       DEFINED                 15732        0        0
CALGON CARBON CORP                              129603106        2      400 SH       SOLE                      400        0        0
CAMPBELL SOUP CO                                134429109        9      300 SH       SOLE                      100        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       50     1094 SH       SOLE                     1094        0        0
CARDINAL HEALTH INC                             14149Y108       10      232 SH       DEFINED                   232        0        0
CARLISLE COS INC                                142339100       80     2000 SH       SOLE                        0        0     2000
CAROLINA POWER & LIGHT                          144141108       76     2373 SH       SOLE                     2373        0        0
CATELLUS DEVELOPMENT CORP                       149111106        1      115 SH       SOLE                      115        0        0
CATERPILLAR INC                                 14912310S      133     3392 SH       SOLE                     2122        0     1270
CATERPILLAR INC                                 149123101       86     2205 SH       SOLE                     2205        0        0
CEL-SCI CORP NEW                                150837409        6     1000 SH       SOLE                     1000        0        0
CHASE MANHATTAN CORP                            16161A10S      291     3342 SH       SOLE                     2131        0     1211
CHASE MANHATTAN CORP                            16161A108      176     2020 SH       SOLE                     2020        0        0
CHEVRON CORP                                    166751107       47      514 SH       SOLE                      514        0        0
CHEVRON CORP                                    166751107       55      600 SH       DEFINED                   600        0        0
CINERGY CORP                                    172474108        3      168 SH       SOLE                      168        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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CISCO SYSTEMS                                   17275R10S      258     3338 SH       SOLE                     2066        0     1272
CISCO SYSTEMS INC                               17275R102      749     9700 SH       SOLE                     9700        0        0
CITIGROUP INC COM                               17296710S      372     6229 SH       SOLE                     3962        0     2267
CITIGROUP INC COM                               172967101      360     6025 SH       SOLE                     5275        0      750
CITIZENS UTILITIES CO-CL B                      177342201       34     2110 SH       SOLE                      400        0     1710
CLOROX COMPANY                                  18905410S       87     2656 SH       SOLE                     1645        0     1011
CLOROX COMPANY                                  189054109       78     2372 SH       SOLE                     1972        0      400
CLOROX COMPANY                                  189054109       11      340 SH       DEFINED                   140        0      200
COCA-COLA BOTTLING CO CONS COM                  191098102        5      100 SH       SOLE                      100        0        0
COCA COLA COMPANY                               191216100      150     3200 SH       SOLE                     3000        0      200
COCA COLA COMPANY                               191216100      105     2256 SH       DEFINED                  2256        0        0
COLGATE-PALMOLIVE CO                            194162103      124     2200 SH       SOLE                     2200        0        0
COLGATE-PALMOLIVE CO                            194162103       22      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       10      220 SH       SOLE                      110        0      110
COMPAQ COMPUTER CORP                            20449310S      304    11274 SH       SOLE                     7204        0     4070
COMPAQ COMPUTER CORP                            204493100      255     9450 SH       SOLE                     8050        0     1400
COMPAQ COMPUTER CORP                            204493100       13      500 SH       DEFINED                   500        0        0
COMPUTER ASSOCIATES INTL INC                    204912109      260     4400 SH       SOLE                     3800        0      600
COMPUTER ASSOCIATES INTL INC                    204912109       56      950 SH       DEFINED                   950        0        0
CONEXANT SYSTEMS INC                            207142100      897    12634 SH       SOLE                    10734        0     1900
CONEXANT SYSTEMS INC                            207142100      351     4950 SH       DEFINED                  4950        0        0
CONOCO INC CL B                                 208251405       15      613 SH       DEFINED                   613        0        0
CONSOLIDATED EDISON INC                         209115104       14      500 SH       SOLE                      500        0        0
CONSTELLATION ENERGY GROUP  INC COM             210371100      350    10989 SH       SOLE                    10989        0        0
CONSTELLATION ENERGY GROUP  INC COM             210371100       79     2500 SH       DEFINED                  1800        0      700
CORN PRODUCTS INTERL I                          219023108        2      100 SH       SOLE                      100        0        0
CORUS GROUP PLC SPONS ADR                       22087M101       16     1000 SH       SOLE                     1000        0        0
CREDIT SUISSE ASSET MGMT    INCOME FUND INC     224916106       12     2000 SH       SOLE                     2000        0        0
CRESENT REAL ESTATE EQUITIESCO                  225756105        5      300 SH       SOLE                      300        0        0
DQE INC                                         23329J104      632    13893 SH       SOLE                    13668        0      225
DQE INC                                         23329J104      150     3300 SH       DEFINED                  3000        0      300

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

DARDEN RESTAURANTS INC                          237194105        8      500 SH       SOLE                      500        0        0
DEERE & COMPANY                                 244199105      138     3650 SH       SOLE                     3650        0        0
DELHAIZE AMERICA INC (B)                        246688204        0       50 SH       SOLE                       50        0        0
DELL COMPUTER                                   247025109      237     4400 SH       SOLE                     4400        0        0
DELPHI AUTOMOTIVE SYSTEMS   CORPORATION         247126105       91     5720 SH       SOLE                     5720        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       92     6708 SH       SOLE                     6008        0      700
DIAL CORP                                       25247D101        2      200 SH       DEFINED                   100        0      100
UIT DIAMONDS TR SER 1                           252787106        4       45 SH       SOLE                       45        0        0
THE WALT DISNEY CO                              25468710S      175     4256 SH       SOLE                     2625        0     1631
DISNEY (WALT) COMPANY HOLDING CO                254687106      585    14200 SH       SOLE                    12300        0     1900
DISNEY (WALT) COMPANY HOLDING CO                254687106       74     1800 SH       DEFINED                  1200        0      600
DOMINION RESOURCES NEW                          25746U109       19      500 SH       SOLE                      500        0        0
DONNELLEY (R.R) & SONS CO                       257867101       12      600 SH       SOLE                      600        0        0
DOW CHEMICAL                                    260543103       38      340 SH       SOLE                      340        0        0
DU PONT (E.I.) DE NEMOUR                        26353410S      153     2903 SH       SOLE                     1761        0     1142
DU PONT (E.I.) DE NEMOURS                       263534109       34      650 SH       SOLE                      200        0      450
DU PONT (E.I.) DE NEMOURS                       263534109      333     6292 SH       DEFINED                  6292        0        0
DUFF & PHELPS UTIL & CORP BD                    26432K108       13     1256 SH       SOLE                     1256        0        0
DUN & BRADSTREET CORP-NEW                       26483B106      279     9750 SH       SOLE                     8650        0     1100
DUN & BRADSTREET CORP-NEW                       26483B106       45     1600 SH       DEFINED                  1100        0      500
DYNEX CAP INC COM NEW                           26817Q506        5      932 SH       SOLE                      932        0        0
ENSCO INTERNATIONAL INC                         26874Q100       28      800 SH       SOLE                      500        0      300
ESB FINANCIAL CORP                              26884F102       51     4598 SH       SOLE                     4598        0        0
EBAY INC                                        278642103       17      100 SH       DEFINED                   100        0        0
ECHO BAY MINES LTD                              278751102        0      400 SH       SOLE                      400        0        0
EDISON INTERNATIONAL                            281020107        3      200 SH       SOLE                      200        0        0
ELECTRONIC DATA SYSTEMS CORP                    285661104      789    12304 SH       SOLE                    10972        0     1332
ELECTRONIC DATA SYSTEMS CORP                    285661104      121     1900 SH       DEFINED                  1700        0      200
EMERGING MARKETS INC FD II                      290920107       57     5148 SH       SOLE                     5148        0        0
EMERSON ELECTRIC CO                             291011104      127     2400 SH       SOLE                     2400        0        0
EMERSON ELECTRIC CO                             291011104        5      100 SH       DEFINED                     0        0      100

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

ENERGY EAST CORP                                29266M109        2      150 SH       SOLE                       75        0       75
ENRON CORP                                      293561106      411     5500 SH       SOLE                     5500        0        0
EQUITABLE RESOURCES INC                         294549100      118     2654 SH       SOLE                     2654        0        0
EQUITABLE RESOURCES INC                         294549100       26      601 SH       DEFINED                   601        0        0
EQUITY RESIDENTIAL PPTYS    TR PFD CONV SER 2.1529476L826        4      200 SH       SOLE                      200        0        0
EQUITY RESIDENTAL PPTYS SER E CONV PFD 7%       29476L883       22     1000 SH       SOLE                     1000        0        0
ERICSSON LM TEL CO ADR                          294821400       94     1003 SH       SOLE                      503        0      500
EXCEL TECHNOLOGY INC                            30067T103       10      300 SH       SOLE                      300        0        0
EXXON MOBIL CORP                                30231G102     5515    70772 SH       SOLE                    66372        0     4400
EXXON MOBIL CORP                                30231G102      116     1500 SH       DEFINED                  1500        0        0
FMC CORPORATION                                 302491303      123     2191 SH       SOLE                     2191        0        0
FNB CORP                                        302520101        1       68 SH       SOLE                       68        0        0
FPL GROUP INC                                   302571104       92     2000 SH       DEFINED                  2000        0        0
FEDERAL MOGUL CORP                              313549107        3      200 SH       SOLE                      200        0        0
FANNIE MAE                                      313586109      789    13950 SH       SOLE                    13150        0      800
FANNIE MAE                                      313586109      164     2900 SH       DEFINED                  2900        0        0
FINOVA GROUP INC                                317928109        6      400 SH       SOLE                      400        0        0
FIRST COMMONWEALTH FINL CORP                    319829107      966   112170 SH       SOLE                    96574        0    15596
FIRST COMMONWEALTH FINL CORP                    319829107      232    27016 SH       DEFINED                 25396        0     1620
FIRST UNION CORP                                337358105      105     2819 SH       SOLE                     2819        0        0
FIRST ENGERY CORP                               337932107      155     7519 SH       SOLE                     7070        0      449
FIRST ENGERY CORP                               337932107      117     5719 SH       DEFINED                  5719        0        0
FLORIDA PROGRESS CORP                           341109106      160     3500 SH       SOLE                     1500        0     2000
FLUOR CORP                                      343861100       12      400 SH       SOLE                      400        0        0
FOOTSTAR INC                                    344912100       35     1266 SH       DEFINED                  1266        0        0
FORD MOTOR COMPANY                              345370100      539    11744 SH       SOLE                    11644        0      100
FORD MOTOR COMPANY                              345370100      146     3200 SH       DEFINED                  3000        0      200
FOREST LABS INC                                 345838106       42      500 SH       SOLE                        0        0      500
FORTUNE BRANDS INC                              349631101      370    14800 SH       SOLE                    13600        0     1200
FORTUNE BRANDS INC                              349631101       28     1125 SH       DEFINED                  1125        0        0
FRANCHISE FINANCIAL CORP OF AM                  351807102       16      726 SH       SOLE                      726        0        0
GPU INC                                         36225X100      136     4972 SH       SOLE                     4346        0      626
GPU INC                                         36225X100      157     5767 SH       DEFINED                  5767        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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

GTE CORP                                        362320103     1416    19948 SH       SOLE                    18860        0     1088
GTE CORP                                        362320103      251     3548 SH       DEFINED                  3498        0       50
GABELLI GLOBAL MULTIMEDIA   TRUST               36239Q109        5      285 SH       SOLE                      285        0        0
GABELLI EQUITY TRUST INC                        362397101       38     3183 SH       SOLE                     3183        0        0
GABELLI UTILITY TRUST COMMON                    36240A101        2      318 SH       SOLE                      318        0        0
GALLAHER GROUP PLC                              363595109      279    14200 SH       SOLE                    13000        0     1200
GALLAHER GROUP PLC                              363595109       24     1225 SH       DEFINED                  1225        0        0
GANNETT INC                                     364730101      351     5000 SH       SOLE                     5000        0        0
GARTNER GROUP INC NEW COM   CLASS B             366651206       28     2132 SH       SOLE                     1846        0      286
GARTNER GROUP INC NEW COM   CLASS B             366651206        3      260 SH       DEFINED                   260        0        0
GATEWAY INC                                     367626108       21      400 SH       SOLE                      400        0        0
GENERAL CABLE CORP                              369300108       10     1350 SH       SOLE                     1350        0        0
GENERAL ELECTRIC CO                             369604103     4128    26530 SH       SOLE                    23230        0     3300
GENERAL ELECTRIC CO                             369604103      233     1500 SH       DEFINED                  1300        0      200
GENERAL MILLS INC                               370334104       87     2430 SH       SOLE                     2430        0        0
GENERAL MILLS INC                               370334104       14      400 SH       DEFINED                   400        0        0
GENERAL MOTORS CORP                             370442105      667     8055 SH       SOLE                     8055        0        0
GENERAL MOTORS CORP                             370442105       99     1200 SH       DEFINED                  1200        0        0
GENERAL MOTORS CORP H                           370442832        9       76 SH       SOLE                       76        0        0
GENUINE PARTS CO                                372460105       15      650 SH       SOLE                      650        0        0
GENUINE PARTS CO                                372460105        7      300 SH       DEFINED                   300        0        0
GILLETTE COMPANY                                37576610S      238     6334 SH       SOLE                     3817        0     2517
GILLETTE COMPANY                                375766102      251     6674 SH       SOLE                     5674        0     1000
GILLETTE COMPANY                                375766102       22      600 SH       DEFINED                     0        0      600
GLAXO WELLCOME PLC SPONSORED                    37733W105       22      400 SH       SOLE                      400        0        0
GLOBAL MARINE INC                               379352404       25     1000 SH       SOLE                     1000        0        0
HRPT PPTYS TR                                   40426W101       10     1230 SH       SOLE                     1230        0        0
HALLIBURTON CO                                  406216101       15      375 SH       SOLE                      375        0        0
JOHN HANCOCK BK & THRIFT FD                     409735107        6      892 SH       SOLE                      892        0        0
JOHN HAN PATR PREM DIV FD I                     41013Q101        6      756 SH       SOLE                        0        0      756
HANSON PLC SPON ADR NEW                         411352404        3      100 SH       SOLE                      100        0        0
HARTFORD FINL GRP INC COM                       416515104       52      996 SH       SOLE                      996        0        0
HAWAIIAN ELECTRIC INDS                          419870100       15      494 SH       SOLE                      494        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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

HEALTH CARE PPTY INVS                           421915109       12      500 SH       SOLE                      500        0        0
HEALTHCARE REALTY TRUST INC                     421946104       14      880 SH       SOLE                      880        0        0
HEINZ (H.J.) CO                                 423074103     1842    52850 SH       SOLE                    50700        0     2150
HEINZ (H.J.) CO                                 423074103       20      600 SH       DEFINED                   600        0        0
HERITAGE FINANCIAL CORP                         42722X106        6      800 SH       SOLE                      800        0        0
HERSHEY FOODS CORP                              427866108      107     2200 SH       SOLE                     2200        0        0
HERSHEY FOODS CORP                              427866108       39      800 SH       DEFINED                     0        0      800
HEWLETT-PACKARD CO                              428236103      172     1300 SH       SOLE                     1200        0      100
HEWLETT-PACKARD CO                              428236103       39      300 SH       DEFINED                     0        0      300
HOME DEPOT INC                                  437076102       17      275 SH       SOLE                      275        0        0
HONEYWELL INTERNATIONAL INC                     438516106      104     1980 SH       SOLE                      900        0     1080
HONEYWELL INTERNATIONAL INC                     438516106      256     4868 SH       DEFINED                  4868        0        0
HUBBELL INC -CL B                               443510201       19      700 SH       SOLE                      700        0        0
HUBBELL INC -CL B                               443510201       35     1298 SH       DEFINED                  1298        0        0
HYPERION 2002 TERM TRUST INC                    448915108       37     4595 SH       SOLE                        0        0     4595
IMS HEALTH INC                                  449934108      245    14500 SH       SOLE                    12300        0     2200
IMS HEALTH INC                                  449934108       30     1800 SH       DEFINED                  1800        0        0
ITT INDUSTRIES INC                              450911102       57     1858 SH       SOLE                     1758        0      100
ITT INDUSTRIES INC                              450911102        6      200 SH       DEFINED                   200        0        0
IKON OFFICE SOLUTIONS INC                       451713101        1      300 SH       SOLE                      300        0        0
IKON OFFICE SOLUTIONS INC                       451713101        1      300 SH       DEFINED                     0        0      300
INCOME OPPORTUNITIES FD 2000                    45333Q105       19     2000 SH       SOLE                     2000        0        0
INTEL CORP                                      45814010S      262     1988 SH       SOLE                     1142        0      846
INTEL CORP                                      458140100     5410    41014 SH       SOLE                    36814        0     4200
INTEL CORP                                      458140100      804     6100 SH       DEFINED                  4900        0     1200
INTL BUSINESS MACHINES CORP                     45920010S      313     2655 SH       SOLE                     1746        0      909
INTL BUSINESS MACHINES CORP                     459200101      922     7821 SH       SOLE                     7291        0      530
INTL BUSINESS MACHINES CORP                     459200101      224     1900 SH       DEFINED                  1400        0      500
INTERNET CAPITAL GROUP                          46059C106       54      600 SH       SOLE                      300        0      300
INTERNET CAPITAL GROUP                          46059C106       18      200 SH       DEFINED                    50        0      150
IPALCO ENTERPRISES INC                          462613100       81     4200 SH       SOLE                     4200        0        0
JOHNSON & JOHNSON                               47816010S      184     2630 SH       SOLE                     1619        0     1011
JOHNSON & JOHNSON                               478160104       28      400 SH       SOLE                      400        0        0
JOHNSON & JOHNSON                               478160104       28      400 SH       DEFINED                   400        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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

JONES PHARMACEUTICAL INC                        480236108        3      100 SH       SOLE                      100        0        0
KMART CORP                                      482584109       10     1100 SH       SOLE                        0        0     1100
KMART CORP                                      482584109       12     1300 SH       DEFINED                  1300        0        0
KELLOGG CO                                      487836108        5      200 SH       SOLE                      200        0        0
KERR-MCGEE CORP                                 492386107        4       81 SH       SOLE                       81        0        0
KEYCORP                                         493267108       24     1300 SH       SOLE                     1300        0        0
KEYSTONE FIN INC                                493482103       36     1974 SH       SOLE                     1974        0        0
KIMBERLY-CLARK CORP                             494368103     1053    18800 SH       SOLE                    17600        0     1200
KIMBERLY-CLARK CORP                             494368103      179     3200 SH       DEFINED                  3000        0      200
KINDER MORGAN ENERGY                            494550106        5      139 SH       SOLE                      139        0        0
ESTEE LAUDER COMPANY CL A                       518439104       10      200 SH       SOLE                      200        0        0
LEXINGTON CORP PPTYS TR COM                     529043101       30     2975 SH       SOLE                     2975        0        0
LIBERTY ALL STAR EQUITY FUND                    530158104       54     4915 SH       SOLE                     4915        0        0
LILLY (ELI) & CO                                532457108       25      400 SH       SOLE                      400        0        0
LINCOLN NATIONAL CORP                           534187109      479    14320 SH       SOLE                    14320        0        0
LUCENT TECHNOLOGIES INC                         54946310S      266     4353 SH       SOLE                     2845        0     1508
LUCENT TECHNOLOGIES INC                         549463107     4215    68831 SH       SOLE                    63256        0     5575
LUCENT TECHNOLOGIES INC                         549463107      540     8830 SH       DEFINED                  6154        0     2676
LYONDELL CHEMICAL COMPANY                       552078107       59     4000 SH       DEFINED                  4000        0        0
MBNA CORP                                       55262L100        8      337 SH       SOLE                      337        0        0
MCI WORLDCOM INC                                55268B10S      238     5253 SH       SOLE                     3444        0     1809
MCI WORLDCOM INC                                55268B106      552    12186 SH       SOLE                     8761        0     3425
MCI WORLDCOM INC                                55268B106      164     3625 SH       DEFINED                  1325        0     2300
MFS CHARTER INCOME TRUST                        552727109        8     1000 SH       SOLE                        0        0     1000
MANAGED MUNI PORTFOLIO INC                      561662107       25     2726 SH       SOLE                     2726        0        0
MATTEL INC                                      577081102        8      796 SH       SOLE                      796        0        0
MAY DEPARTMENT STORES CO                        577778103      109     3834 SH       SOLE                     3834        0        0
MAY DEPARTMENT STORES CO                        577778103      130     4587 SH       DEFINED                  4587        0        0
MAYTAG CORP                                     57859210S      119     3621 SH       SOLE                     2181        0     1440
MAYTAG CORP                                     578592107        6      200 SH       SOLE                      200        0        0
MCDONALD'S CORP                                 580135101      276     7400 SH       SOLE                     4600        0     2800
MCDONALD'S CORP                                 580135101      136     3652 SH       DEFINED                  2852        0      800
MCKESSON HBOC INC                               58155Q103      184     8800 SH       SOLE                     8800        0        0
MCKESSON HBOC INC                               58155Q103        8      400 SH       DEFINED                   200        0      200

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

MEDIAONE GROUP INC                              58440J104       87     1083 SH       SOLE                      973        0      110
MELLON FINANCIAL CORP                           58551A10S      134     4523 SH       SOLE                     2956        0     1567
MELLON FINANCIAL CORP                           58551A108      310    10427 SH       SOLE                    10427        0        0
MERCK & CO., INC                                589331107     1481    23841 SH       SOLE                    22571        0     1270
MERITOR AUTOMOTIVE                              59000G100       62     3946 SH       SOLE                     3313        0      633
MERITOR AUTOMOTIVE                              59000G100       31     1965 SH       DEFINED                  1965        0        0
MICROSOFT CORP                                  59491810S      331     3119 SH       SOLE                     2071        0     1048
MICROSOFT CORP                                  594918104     3415    32148 SH       SOLE                    28648        0     3500
MICROSOFT CORP                                  594918104      265     2500 SH       DEFINED                   800        0     1700
MILLENNIUM CHEMICALS INC                        599903101        0        7 SH       SOLE                        7        0        0
MILLS CORP                                      601148109        9      500 SH       SOLE                      500        0        0
MINNESOTA MINING & MFG CO                       604059105       30      344 SH       SOLE                      344        0        0
MITEL CORP                                      606711109        2      100 SH       SOLE                      100        0        0
THE MONY GROUP INC                              615337102        3      111 SH       SOLE                      111        0        0
J P MORGAN & COMPANY                            616880100       17      130 SH       SOLE                      130        0        0
MORGAN STANLEY DEAN WITTER                      617446448      151     1828 SH       SOLE                     1828        0        0
MORGAN STANLEY DEAN WITTER                      617446448       13      164 SH       DEFINED                   164        0        0
MORGAN STANLEY DEAN WITTER  GOVT INCOME TR      61745P106        8     1000 SH       SOLE                     1000        0        0
MOTOROLA  INC                                   62007610S      176     1209 SH       SOLE                      767        0      442
MOTOROLA INC                                    620076109      271     1857 SH       SOLE                     1757        0      100
MUNIYIELD PENN FD INC                           62630V109       76     6645 SH       SOLE                     6645        0        0
NCR CORP                                        62886E108       15      386 SH       SOLE                      371        0       15
NCR CORP                                        62886E108        4      104 SH       DEFINED                   104        0        0
NABISCO GROUP HOLDING GROUP                     62952P102       35     2946 SH       SOLE                     2746        0      200
NABISCO GROUP HOLDING GROUP                     62952P102        1      100 SH       DEFINED                     0        0      100
NACCO INDUSTRIES -CL A                          629579103       14      300 SH       SOLE                      300        0        0
UIT NASDAQ 100 TR 1                             631100104        9       84 SH       SOLE                       84        0        0
NATIONAL CITY CORP                              635405103     4495   217997 SH       SOLE                   217997        0        0
NATIONAL FUEL GAS CO                            636180101      581    13039 SH       SOLE                    13039        0        0
NATIONAL FUEL GAS CO                            636180101       17      400 SH       DEFINED                     0        0      400
NEW CENTURY ENERGIES INC                        64352U103        3      100 SH       SOLE                      100        0        0
NEWELL RUBBERMAID INC                           651229106      325    13108 SH       SOLE                    13108        0        0
NEWMONT MINING CORP                             651639106        2      119 SH       SOLE                      119        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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

NICOR INC                                       654086107       13      402 SH       SOLE                      402        0        0
NORFOLK SOUTHERN CORP                           655844108       37     2658 SH       SOLE                      300        0     2358
NORTEL NETWORKS CORP                            656569100      151     1200 SH       SOLE                        0        0     1200
NORTH FORK BANCORPORATION INC                   659424105        8      450 SH       SOLE                      450        0        0
NORTHWEST BANCORP PA                            667328108        6     1000 SH       SOLE                     1000        0        0
NORTHWESTERN CORP                               668074107       11      536 SH       SOLE                      536        0        0
NOVAMAX INC                                     670002104        4      500 SH       SOLE                      500        0        0
NUVEEN PREMIUM INC MUNI FUND                    6706K4105       14     1200          SOLE                     1200        0        0
NUVEEN PENN PREMIUM INC 2                       67061F101       61     5118          SOLE                     5118        0        0
NUVEEN PENN PREMIUM INC 2                       67061F101        3      300          DEFINED                   300        0        0
NUVEEN MUNI ADVANTAGE FUND                      67062H106        9      745          SOLE                      745        0        0
OGE ENERGY CORP                                 670837103       90     4734 SH       SOLE                     4734        0        0
NUVEEN MUNI VALUE FUND                          670928100        8     1063          SOLE                     1063        0        0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC  670972108       79     5641          SOLE                     5641        0        0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC  670972108       59     4234          DEFINED                  4234        0        0
NUVEEN QUALITY MUNI FUND                        670977107       39     3000          SOLE                     3000        0        0
OGDEN CORP                                      676346109       23     2000 SH       SOLE                     2000        0        0
OLD REPUBLIC INTERNATIONAL  CORP                680223104       80     5886 SH       SOLE                     5886        0        0
OMEGA FINANCIAL CORP                            682092101       46     1800 SH       SOLE                     1800        0        0
ORACLE CORP                                     68389X105       62      800 SH       DEFINED                     0        0      800
OREGON TRAIL FINANCIAL CORP                     685932105        6      700 SH       SOLE                      700        0        0
PECO ENERGY CO                                  693304107       11      300 SH       SOLE                      100        0      200
PECO ENERGY CO                                  693304107      213     5789 SH       DEFINED                  5789        0        0
PNC BANK CORP                                   693475105      646    14339 SH       SOLE                    11714        0     2625
PNC BANK CORP                                   693475105      130     2900 SH       DEFINED                  2900        0        0
PPG INDUSTRIES INC                              693506107      500     9575 SH       SOLE                     9575        0        0
PPG INDUSTRIES INC                              693506107       25      480 SH       DEFINED                   480        0        0
PPL CORP COM                                    69351T106       12      600 SH       SOLE                      600        0        0
PPL CORP COM                                    69351T106        2      137 SH       DEFINED                   137        0        0
PACTIV CORPORATION                              695257105        5      610 SH       SOLE                      610        0        0
PARAMETRIC TECHNOLOGY CORP                      699173100        4      200 SH       SOLE                      200        0        0
PAYLESS SHOESOURCE INC                          704379106       15      297 SH       DEFINED                   297        0        0
PENN TRAFFIC CO NEW                             707832200        0       10 SH       SOLE                        0        0       10

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

PENNEY (J.C.) CO                                708160106        3      220 SH       SOLE                      220        0        0
PENNEY (J.C.) CO                                708160106       65     4412 SH       DEFINED                  4412        0        0
PENNZOIL QUAKER ST CO                           709323109       19     1903 SH       SOLE                     1903        0        0
PEPSICO INC                                     71344810S      152     4384 SH       SOLE                     2846        0     1538
PEPSICO INC                                     713448108      740    21250 SH       SOLE                    19550        0     1700
PEPSICO INC                                     713448108      195     5600 SH       DEFINED                  3700        0     1900
PHARMACIA & UPJOHN INC                          716941109       43      724 SH       SOLE                      724        0        0
PFIZER INC                                      71708110S      126     3461 SH       SOLE                     2050        0     1411
PFIZER INC                                      717081103      719    19667 SH       SOLE                    15967        0     3700
PFIZER INC                                      717081103      120     3300 SH       DEFINED                     0        0     3300
PHILLIP MORRIS COMPANIES INC                    718154107       51     2430 SH       SOLE                      930        0     1500
PHILLIPS PETROLEUM CO                           718507106       18      393 SH       SOLE                      393        0        0
PHILLIPS PETROLEUM CO                           718507106       11      257 SH       DEFINED                   257        0        0
PILGRIM PRIME RATE TRUST NEW SH BEN INT         72146W103       34     4299 SH       SOLE                     4299        0        0
LTD PLAINS ALL AMERICAN                         726503105        8      500 SH       SOLE                        0        0      500
POTOMAC ELECTRIC POWER                          737679100      364    16120 SH       SOLE                    15420        0      700
POTOMAC ELECTRIC POWER                          737679100       40     1800 SH       DEFINED                  1400        0      400
PRAXAIR INC                                     74005P104       91     2204 SH       SOLE                     2204        0        0
PROCTOR & GAMBLE CO                             742718109      496     8788 SH       SOLE                     8788        0        0
PROCTOR & GAMBLE CO                             742718109       45      800 SH       DEFINED                     0        0      800
PROSPECT STREET HI INC FUND                     743586406        4      592 SH       SOLE                      592        0        0
PROVIDIAN FINANCIAL CORP                        74406A102       38      450 SH       SOLE                      450        0        0
PUBLIC SERVICE ENTERPRISE GP                    744573106      175     5940 SH       SOLE                     5940        0        0
PUBLIC SERVICE ENTERPRISE GP                    744573106       11      400 SH       DEFINED                   400        0        0
PUTNAM MASTER INCOME TRUST                      74683K104       24     4000 SH       SOLE                     4000        0        0
PUTNAM MASTER INTER INCOME  TR                  746909100        6     1129 SH       SOLE                     1129        0        0
PUTNAM MASTER INTER INCOME  TR                  746909100        2      500 SH       DEFINED                   500        0        0
QLOGIC CORP                                     747277101       27      200 SH       SOLE                      200        0        0
QUAKER OATS CO                                  747402105      106     1750 SH       SOLE                     1750        0        0
R&B FALCON CORPORATION                          74912E101       68     3500 SH       SOLE                     3500        0        0
R&B FALCON CORPORATION                          74912E101        8      440 SH       DEFINED                     0        0      440
QWEST COMMUNICATIONS INTL                       74912110S      242     5048 SH       SOLE                     3236        0     1812
QWEST COMMUN INTL                               749121109      379     7900 SH       SOLE                     6100        0     1800
QWEST COMMUN INTL                               749121109       79     1650 SH       DEFINED                  1150        0      500

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

RCN CORPORATION                                 749361101       21      400 SH       SOLE                      100        0      300
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        5      262 SH       SOLE                      262        0        0
RALCORP HOLDINGS INC NEW                        751028101        6      466 SH       SOLE                      466        0        0
RALSTON-RALSTON                                 751277302      139     5072 SH       SOLE                     5072        0        0
RAYONIER INC                                    754907103        6      125 SH       SOLE                      125        0        0
RAYTHEON CO                                     755111309        1       99 SH       SOLE                       99        0        0
RAYTHEON CO                                     755111309        1       78 SH       DEFINED                    78        0        0
RAYTHEON CO CL B                                755111408       33     1900 SH       SOLE                     1900        0        0
READERS DIGEST ASSN -CL A                       755267101       49     1400 SH       SOLE                      900        0      500
READERS DIGEST ASSN -CL A                       755267101       14      400 SH       DEFINED                   300        0      100
RELIANT ENERGY INC                              75952J108       23     1000 SH       SOLE                     1000        0        0
REMEDY CORPORATION                              759548100        4      100 SH       SOLE                      100        0        0
REYNOLDS RJ TOBACCO HOLDINGS INC                76182K105        0       15 SH       SOLE                       15        0        0
RITE AID CORP                                   767754104        6     1200 SH       SOLE                      800        0      400
RITE AID CORP                                   767754104        1      300 SH       DEFINED                   200        0      100
ROCKWELL INTL CORP                              773903109      601    14391 SH       SOLE                    12491        0     1900
ROCKWELL INTL CORP                              773903109      219     5250 SH       DEFINED                  5250        0        0
ROHM & HAAS CO                                  775371107       16      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    48270  2819565 SH       SOLE                  2776162        0    43403
S&T BANCORP INC                                 783859101     4930   287974 SH       DEFINED                281834        0     6140
SBC COMMUNICATIONS                              78387G10S      188     4481 SH       SOLE                     2782        0     1699
SBC COMMUNICATIONS INC                          78387G103     3072    72946 SH       SOLE                    68641        0     4305
SBC COMMUNICATIONS INC                          78387G103      208     4960 SH       DEFINED                  3202        0     1758
SAFETY KLEEN CORP NEW                           78648R203        1     1000 SH       SOLE                     1000        0        0
ST PAUL COMPANIES                               792860108       61     1804 SH       SOLE                     1804        0        0
SANTA FE ENERGY TR-UTS                          802013102       27     1500 SH       SOLE                     1500        0        0
SANTA FE SNYDER CORP                            80218K105        1      138 SH       SOLE                      138        0        0
SARA LEE CORP                                   803111103      343    19100 SH       SOLE                    18500        0      600
SARA LEE CORP                                   803111103       54     3000 SH       DEFINED                  3000        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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

SCHERING-PLOUGH CORP                            806605101      619    16700 SH       SOLE                    16700        0        0
SCHERING-PLOUGH CORP                            806605101       44     1200 SH       DEFINED                     0        0     1200
SCHLUMBERGER LTD                                80685710S      240     3138 SH       SOLE                     1984        0     1154
SCHLUMBERGER LTD                                806857108       91     1200 SH       SOLE                      700        0      500
SCHLUMBERGER LTD                                806857108      208     2725 SH       DEFINED                  2475        0      250
CHARLES SCHWAB CORPORATION                      808513105       62     1100 SH       SOLE                      900        0      200
SCOTT TECHNOLOGIES INC COM                      810022301      283    15000 SH       SOLE                    15000        0        0
SEARS, ROEBUCK AND CO                           812387108       36     1208 SH       SOLE                     1208        0        0
SEARS, ROEBUCK AND CO                           812387108        3      126 SH       DEFINED                   126        0        0
SENIOR HOUSING PROPERTIES TRUST                 81721M109        1      123 SH       SOLE                      123        0        0
SERVICEMASTER CO                                81760N109       42     3795 SH       SOLE                     3795        0        0
SHERWIN-WILLIAMS CO                             824348106        2      120 SH       SOLE                      120        0        0
SKY FINANCIAL GROUP                             83080P103       30     1881 SH       SOLE                     1881        0        0
SOUTH JERSEY INDUSTRIES                         838518108        0       20 SH       SOLE                       20        0        0
SOUTHERN CO                                     842587107       52     2412 SH       SOLE                     2412        0        0
SPRINT CORP                                     852061100      168     2666 SH       SOLE                     2666        0        0
SPRINT CORP (PCS GROUP)                         852061506       91     1400 SH       SOLE                     1400        0        0
STARBUCKS CORPORATION                           855244109       24      536 SH       SOLE                      536        0        0
STARWOOD HOTELS & RESORTS   WORLDWIDE INC       85590A203       21      823 SH       SOLE                      823        0        0
STORAGE TECHNOLOGY CORP NEW                     862111200        1      100 SH       SOLE                      100        0        0
SUMMIT BANCORP                                  866005101      219     8352 SH       SOLE                     8352        0        0
SUN MICROSYSTEMS                                866810104       32      350 SH       SOLE                      350        0        0
SUN MICROSYSTEMS                                866810104       46      500 SH       DEFINED                   500        0        0
SUNBEAM CORP                                    867071102       18     4450 SH       SOLE                     3800        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      198    10200 SH       SOLE                    10200        0        0
TECO ENERGY INC                                 872375100        7      400 SH       DEFINED                     0        0      400
TELESCAN INC                                    879516102        7      300 SH       SOLE                      300        0        0
TEMPLETON GLOBAL INCOME FUND                    880198106        5      844 SH       SOLE                      844        0        0
TENNECO AUTOMOTIVE INC                          880349105        2      322 SH       SOLE                      322        0        0
TEXACO INC                                      881694103      202     3760 SH       SOLE                     3260        0      500
TEXACO INC                                      881694103       40      750 SH       DEFINED                   400        0      350

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

TEXAS UTILITIES CO                              882848104        5      200 SH       SOLE                      200        0        0
TEXAS UTILITIES CO                              882848104       14      500 SH       DEFINED                   500        0        0
3COM CORP                                       885535104       16      300 SH       DEFINED                     0        0      300
TIME-WARNER INC                                 887315109       20      200 SH       SOLE                      200        0        0
TIME-WARNER INC                                 887315109       50      500 SH       DEFINED                     0        0      500
TRICON GLOBAL RESTAURANT INC                    895953107       54     1750 SH       SOLE                     1680        0       70
TRICON GLOBAL RESTAURANT INC                    895953107        2       80 SH       DEFINED                    80        0        0
II-VI INC                                       902104108       38     1000 SH       SOLE                        0        0     1000
TYCO INTERNATIONAL LTD                          902124106      176     3528 SH       SOLE                     2928        0      600
UGI CORP                                        902681105       16      775 SH       SOLE                      775        0        0
USX-MARATHON GROUP                              902905827       53     2047 SH       SOLE                     2047        0        0
USX-US STEEL GROUP INC                          90337T101       10      419 SH       SOLE                      419        0        0
UNILEVER NV NY SHARE F NEW                      90478470S      257     5351 SH       SOLE                     3498        0     1853
UNILEVER NV NY SHARE F NEW                      904784709      266     5533 SH       SOLE                     5244        0      289
UNILEVER NV NY SHARE F NEW                      904784709       52     1100 SH       DEFINED                     0        0     1100
UNION CARBIDE SORP HLDG CO                      905581104      138     2370 SH       SOLE                     2370        0        0
UNION PACIFIC CORP                              907818108      191     4900 SH       SOLE                     4300        0      600
UNION PACIFIC CORP                              907818108      195     5000 SH       DEFINED                  4600        0      400
UNION PACIFIC RESOURCES GRP                     907834105       31     2200 SH       SOLE                     2200        0        0
UNION PACIFIC RESOURCES GRP                     907834105       53     3700 SH       DEFINED                  3300        0      400
UNITED DOMINION INDUSTRIES  LTD                 909914103        9      500 SH       SOLE                        0        0      500
US WEST INC                                     91273H101      438     6037 SH       SOLE                     5509        0      528
US WEST INC                                     91273H101       24      342 SH       DEFINED                   342        0        0
VAN KAMPEN INTERMEDIATE TERM HIGH INC TRUST     920911104        2      600 SH       SOLE                      600        0        0
VAM KAMPEN PENNA QUALITY    MUNICIPAL TRUST     920924107       51     3627          SOLE                     3627        0        0
VAN KAMPEN TRUST FOR INVEST MENT GRADE MUNICIPAL920929106       13     1000          SOLE                     1000        0        0
VAN KAMPEN TRUST INVESTMENT GRADE PA MUNS       920934106       19     1400          SOLE                     1400        0        0
VAN KAMPEN STRATEGIC SECTOR MUNICIPAL TRUST     920943107        3      335          SOLE                      167        0      168
VAN KAMPEN SR INCOME TR COM                     920961109       16     2000 SH       SOLE                     2000        0        0
VIAD CORP                                       92552R109      144     6308 SH       SOLE                     6008        0      300
VIAD CORP                                       92552R109        2      100 SH       DEFINED                   100        0        0
VIACOM CL B                                     925524308       13      250 SH       SOLE                      250        0        0
VODAFONE AIRTOUCH PUBLIC LTD CO ADR             92857T107      710    12790 SH       SOLE                    12550        0      240
VODAFONE AIRTOUCH PUBLIC LTD CO ADR             92857T107       27      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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

VOXWARE INC                                     92906L105       10     1000 SH       SOLE                     1000        0        0
WPS RESOURCES CORP                              92931B106       98     3800 SH       SOLE                     3800        0        0
WAL-MART STORES INC                             931142103      142     2520 SH       SOLE                     2520        0        0
WAL-MART STORES INC                             931142103        5      100 SH       DEFINED                     0        0      100
WALGREEN CO                                     931422109       20      800 SH       SOLE                      800        0        0
WALGREEN CO                                     931422109      103     4000 SH       DEFINED                     0        0     4000
WARNER LAMBERT CO                               93448810S      149     1529 SH       SOLE                     1171        0      358
WARNER LAMBERT CO                               934488107     3919    40125 SH       SOLE                    36425        0     3700
WARNER LAMBERT CO                               934488107      219     2250 SH       DEFINED                  1200        0     1050
WASHINGTON GAS LIGHT CO                         938837101        9      354 SH       SOLE                      354        0        0
WASTE MANAGEMENT INC NEW                        94106L109       73     5349 SH       SOLE                     4949        0      400
WEIDER NUTRITION "A"                            948603105        3     1000 SH       SOLE                     1000        0        0
WELLS FARGO & CO NEW                            949746101       33      820 SH       SOLE                      820        0        0
WILD OATS MARKETS INC                           96808B107       11      575 SH       SOLE                      575        0        0
WILLIAMS COS INC                                969457100       40      912 SH       SOLE                      912        0        0
WINN-DIXIE STORES INC                           974280109        8      460 SH       SOLE                      460        0        0
WORTHINGTON INDUSTRIES                          981811102      166    13500 SH       SOLE                    12400        0     1100
WORTHINGTON INDUSTRIES                          981811102       16     1300 SH       DEFINED                  1100        0      200
YORK INTERNATIONAL CORP                         986670107       35     1500 SH       SOLE                        0        0     1500
ZWEIG TOTAL RETURN FUND INC                     989837109       20     3000 SH       SOLE                     3000        0        0

 GRAND TOTALS                                               169044  5883860                                5519592        0   364268

</TABLE>


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