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
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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>