UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 31, 1999
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 February 10, 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: 551
Form 13F Information Table Value Total: $188,078 (thousands)
List of Other Included Managers:
No. 13F File Number Name
<TABLE>
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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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
LERNOUT & HAUSPIE SPEECH B5628B104 9 200 SH SOLE 200 0 0
LORAL SPACE & COMMUNICATIONS G56462107 119 4900 SH SOLE 3900 0 1000
LORAL SPACE & COMMUNICATIONS G56462107 70 2905 SH DEFINED 500 0 2405
ACM GOVERNMENT INCOME FUND 000912105 23 3600 SH SOLE 1600 0 2000
AGL RESOURCES INC 001204106 115 6800 SH SOLE 6400 0 400
AGL RESOURCES INC 001204106 14 850 SH DEFINED 800 0 50
AK STL HOLDING CORP 001547108 7 382 SH SOLE 382 0 0
AT&T CORP 00195710S 157 3092 SH SOLE 1860 0 1232
AT&T CORP 001957109 3476 68425 SH SOLE 63464 0 4961
AT&T CORP 001957109 451 8884 SH DEFINED 6684 0 2200
AXA FINANCIAL INC 002451102 8 248 SH SOLE 232 0 16
ABBOTT LABORATORIES 002824100 594 16379 SH SOLE 10379 0 6000
ABBOTT LABORATORIES 002824100 14 400 SH DEFINED 0 0 400
ADV MICRO DEVICES INC 007903107 14 500 SH SOLE 500 0 0
AEGON NV 007924103 50 528 SH SOLE 528 0 0
AETNA INC 008117103 55 1000 SH DEFINED 1000 0 0
ALBERTSON'S INC 013104104 129 4000 SH SOLE 3100 0 900
ALBERTSON'S INC 013104104 45 1400 SH DEFINED 800 0 600
ALCOA INC 013817101 249 3000 SH SOLE 3000 0 0
ALLEGHENY POWER SYSTEM 017361106 152 5662 SH SOLE 5662 0 0
ALLEGHENY POWER SYSTEM 017361106 16 600 SH DEFINED 600 0 0
ALLIANCE CAPITAL MGMT HOLDING LP UNIT LTD PARTNE01855A101 41 1400 SH SOLE 1400 0 0
ALLIANT CORP 018802108 6 228 SH SOLE 228 0 0
ALLIED IRISH BANKS PLC ADR 019228402 39 1872 SH SOLE 1872 0 0
ALLIED WASTE INDUSTRIES INC 019589308 8 1000 SH SOLE 1000 0 0
ALLIED WASTE INDUSTRIES INC 019589308 8 1000 SH DEFINED 0 0 1000
ALLMERICA FINANCIAL CORP 019754100 5 100 SH SOLE 100 0 0
ALLMERICA SECURITIES TRUST SBI 019921105 52 6000 SH SOLE 6000 0 0
ALLSTATE CORP 020002101 57 2388 SH SOLE 2388 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ALLTEL CORP 020039103 693 8384 SH SOLE 8026 0 358
AMEREN CORP 023608102 167 5116 SH SOLE 5116 0 0
AMERICA ONLINE INC 02364J104 33 435 SH SOLE 120 0 315
AMERICAN ELECTRIC POWER 025537101 13 419 SH SOLE 419 0 0
AMERICAN EXPRESS COMPANY 02581610S 164 992 SH SOLE 625 0 367
AMERICAN GENERAL CORP 026351106 163 2160 SH SOLE 2160 0 0
AMERICAN HOME PRODUCTS CORP 026609107 1260 32104 SH SOLE 32104 0 0
AMERICAN HOME PRODUCTS CORP 026609107 141 3600 SH DEFINED 2000 0 1600
AMERICAN INSURED MTG INVESTOR LP SER 86 02686F103 0 200 SH SOLE 0 0 200
AMERICAN INTERNATIONAL GROUP INC 026874107 41 384 SH SOLE 384 0 0
AMERICAN WATER WORKS INC 030411102 169 8000 SH SOLE 8000 0 0
AMERICAN WATER WORKS INC 030411102 8 400 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 24 1300 SH SOLE 1300 0 0
AMGEN INC 031162100 90 1500 SH SOLE 1500 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 154 5646 SH SOLE 5646 0 0
ASSOCIATES 1ST CAP CORP CL A 046008108 30 1098 SH DEFINED 1046 0 52
ATLANTIC RICHFIELD CO 048825103 235 2720 SH SOLE 2720 0 0
ATLANTIC RICHFIELD CO 048825103 29 344 SH DEFINED 344 0 0
AUTODESK INC 052769106 6 200 SH DEFINED 0 0 200
AUTOLIV INC 052800109 9 341 SH SOLE 341 0 0
AUTOMATIC DATA PROCESSING 053015103 21 400 SH SOLE 400 0 0
AVISTA CORP SHS PFD CONV 12.40 05379B503 6 400 SH SOLE 400 0 0
AVON PRODUCTS INC 054303102 96 2916 SH SOLE 400 0 2516
BPAMOCO PLC SPONSORED ADR 05562210S 176 2969 SH SOLE 1909 0 1060
BP AMOCO PLC SPONSORED ADR 055622104 1131 19072 SH SOLE 19072 0 0
BT FINANCIAL CORP 055763106 177 8074 SH SOLE 8074 0 0
BAKER HUGHES INC 057224107 8 400 SH SOLE 400 0 0
BANK OF AMERICA CORP 06050510S 148 2958 SH SOLE 1687 0 1271
BANK OF AMERICA CORP 060505104 320 6384 SH SOLE 5080 0 1304
BANK OF AMERICA CORP 060505104 50 1000 SH DEFINED 0 0 1000
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
BANK ONE CORP 06423A10S 110 3463 SH SOLE 1997 0 1466
BANK ONE CORP 06423A103 450 14067 SH SOLE 12834 0 1233
BANK ONE CORP 06423A103 1075 33606 SH DEFINED 2712 0 30894
BARNES GROUP INC 067806109 10 639 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 468 17400 SH SOLE 17300 0 100
BECTON DICKINSON & CO 075887109 88 3300 SH DEFINED 3300 0 0
BELL ATLANTIC CORP 077853109 4440 72127 SH SOLE 65482 0 6645
BELL ATLANTIC CORP 077853109 350 5694 SH DEFINED 3114 0 2580
BELLSOUTH CORP 079860102 4036 86235 SH SOLE 76608 0 9627
BELLSOUTH CORP 079860102 449 9596 SH DEFINED 5784 0 3812
BESTFOODS 08658U101 42 800 SH SOLE 800 0 0
BETHLEHEM STEEL (BS ) $2.5000 087509402 11 500 SH SOLE 500 0 0
BLACK & DECKER CORP 091797100 5 100 SH SOLE 100 0 0
BLACKROCK INCOME TRUST 09247F100 28 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 1311 148900 SH SOLE 138000 0 10900
BLACKROCK 2001 TERM TRUST 092477108 151 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
BODDIE-NOELL PROPERTIES INC 096903109 1 212 SH SOLE 212 0 0
BOEING CO 097023105 214 5167 SH SOLE 4991 0 176
BOEING CO 097023105 13 332 SH DEFINED 332 0 0
BRISTOL-MYERS SQUIBB CO 110122108 3584 55843 SH SOLE 50043 0 5800
BRISTOL-MYERS SQUIBB CO 110122108 358 5580 SH DEFINED 4480 0 1100
BURLINGTON NORTHERN SANTE FE 12189T104 37 1542 SH SOLE 1542 0 0
BUTLER MANUFACTURING CO 123655102 8 379 SH SOLE 379 0 0
CBRL GROUP INC COM 12489V106 0 100 SH SOLE 100 0 0
CBS CORPORATION 12490K107 878 13739 SH SOLE 13039 0 700
CBS CORPORATION 12490K107 26 420 SH DEFINED 420 0 0
CENTRAL HUDSON GAS & ELECTRIC CORP 12541M102 6 200 SH SOLE 200 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
CIGNA HIGH INCOME SHS FUND 12551D109 4 888 SH SOLE 888 0 0
CNB FINANCIAL CORP/PA 126128107 13 570 SH SOLE 570 0 0
CSX CORP 126408103 4 144 SH SOLE 144 0 0
CVS CORP 126650100 78 1968 SH SOLE 1968 0 0
CVS CORP 126650100 627 15732 SH DEFINED 15732 0 0
CALGON CARBON CORP 129603106 2 400 SH SOLE 400 0 0
CAMPBELL SOUP CO 13442910S 69 1792 SH SOLE 1266 0 526
CAMPBELL SOUP CO 134429109 11 300 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 49 1043 SH SOLE 1043 0 0
CARDINAL HEALTH INC 14149Y108 11 232 SH DEFINED 232 0 0
CARLISLE COS INC 142339100 72 2000 SH SOLE 0 0 2000
CAROLINA POWER & LIGHT 144141108 72 2373 SH SOLE 2373 0 0
CATELLUS DEVELOPMENT CORP 149111106 1 115 SH SOLE 115 0 0
CATERPILLAR INC 14912310S 77 1643 SH SOLE 1005 0 638
CATERPILLAR INC 149123101 103 2205 SH SOLE 2205 0 0
CENDANT CORP CD 151313103 5 200 SH DEFINED 200 0 0
CHASE MANHATTAN CORP 16161A108 230 2966 SH SOLE 2966 0 0
CHEVRON CORP 166751107 43 500 SH SOLE 500 0 0
CHEVRON CORP 166751107 51 600 SH DEFINED 600 0 0
CHUBB CORP 17123210S 79 1409 SH SOLE 918 0 491
CINERGY CORP 172474108 4 168 SH SOLE 168 0 0
CISCO SYSTEMS 17275R10S 178 1669 SH SOLE 1033 0 636
CISCO SYSTEMS INC 17275R102 498 4650 SH SOLE 4550 0 100
CITIGROUP INC COM 17296710S 154 2775 SH SOLE 2007 0 768
CITIGROUP INC COM 172967101 337 6062 SH SOLE 5312 0 750
CITIGROUP INC COM 172967101 41 750 SH DEFINED 0 0 750
CITIZENS UTILITIES CO-CL B 177342201 37 2610 SH SOLE 900 0 1710
CLOROX COMPANY 18905410S 54 1076 SH SOLE 854 0 222
CLOROX COMPANY 189054109 84 1672 SH SOLE 1272 0 400
CLOROX COMPANY 189054109 17 340 SH DEFINED 140 0 200
COCA COLA COMPANY 191216100 209 3600 SH SOLE 3400 0 200
COCA COLA COMPANY 191216100 131 2256 SH DEFINED 2256 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
COLGATE-PALMOLIVE CO 194162103 143 2200 SH SOLE 2200 0 0
COLGATE-PALMOLIVE CO 194162103 26 400 SH DEFINED 400 0 0
COLUMBIA ENERGY GROUP 197648108 9 150 SH SOLE 150 0 0
COLUMBIA ENERGY GROUP 197648108 9 150 SH DEFINED 150 0 0
COMMONWEALTH TELEPHONE ENTERPRISES 203349105 11 220 SH SOLE 110 0 110
COMPAQ COMPUTER CORP 20449310S 188 6967 SH SOLE 3948 0 3019
COMPAQ COMPUTER CORP 204493100 271 10050 SH SOLE 8150 0 1900
COMPAQ COMPUTER CORP 204493100 121 4500 SH DEFINED 2500 0 2000
COMPUTER ASSOCIATES INTL INC 204912109 360 5150 SH SOLE 4550 0 600
COMPUTER ASSOCIATES INTL INC 204912109 66 950 SH DEFINED 950 0 0
CONEXANT SYSTEMS INC 207142100 762 11492 SH SOLE 9592 0 1900
CONEXANT SYSTEMS INC 207142100 335 5050 SH DEFINED 4950 0 100
CONOCO INC CL B 208251405 15 613 SH DEFINED 613 0 0
CONSOLIDATED EDISON INC 209115104 17 500 SH SOLE 500 0 0
CONSOLIDATED NATURAL GAS 209615103 966 14893 SH SOLE 14593 0 300
CONSOLIDATED NATURAL GAS 209615103 103 1600 SH DEFINED 1300 0 300
CONSTELLATION ENERGY GROUP INC COM 210371100 349 12039 SH SOLE 12039 0 0
CONSTELLATION ENERGY GROUP INC COM 210371100 101 3500 SH DEFINED 1800 0 1700
CORN PRODUCTS INTERL I 219023108 3 100 SH SOLE 100 0 0
CORUS GROUP PLC SPONS ADR 22087M101 25 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 605 17493 SH SOLE 17268 0 225
DQE INC 23329J104 114 3300 SH DEFINED 3000 0 300
DARDEN RESTAURANTS INC 237194105 9 500 SH SOLE 500 0 0
DATA DIMENSIONS INC 237654207 1 500 SH SOLE 500 0 0
DEERE & COMPANY 244199105 158 3650 SH SOLE 3650 0 0
DELL COMPUTER 247025109 224 4400 SH SOLE 4400 0 0
DELPHI AUTOMOTIVE SYSTEMS CORPORATION 247126105 91 5789 SH SOLE 5789 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 170 7008 SH SOLE 6308 0 700
DIAL CORP 25247D101 4 200 SH DEFINED 100 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
UIT DIAMONDS TR SER 1 252787106 10 90 SH SOLE 90 0 0
THE WALT DISNEY CO 25468710S 124 4256 SH SOLE 2625 0 1631
DISNEY (WALT) COMPANY HOLDING CO 254687106 435 14890 SH SOLE 12690 0 2200
DISNEY (WALT) COMPANY HOLDING CO 254687106 111 3800 SH DEFINED 1200 0 2600
DOMINION RESOURCES INC/VA 257470104 19 500 SH SOLE 500 0 0
DONNELLEY (R.R) & SONS CO 257867101 14 600 SH SOLE 600 0 0
DOW CHEMICAL 260543103 45 340 SH SOLE 340 0 0
DU PONT (E.I.) DE NEMOUR 26353410S 102 1551 SH SOLE 980 0 571
DU PONT (E.I.) DE NEMOURS 263534109 42 650 SH SOLE 200 0 450
DU PONT (E.I.) DE NEMOURS 263534109 414 6292 SH DEFINED 6292 0 0
DUFF & PHELPS UTIL & CORP BD 26432K108 2 250 SH SOLE 250 0 0
DUN & BRADSTREET CORP-NEW 26483B106 309 10500 SH SOLE 9400 0 1100
DUN & BRADSTREET CORP-NEW 26483B106 50 1700 SH DEFINED 1200 0 500
DYNEX CAP INC COM NEW 26817Q506 5 932 SH SOLE 932 0 0
EMC CORP/MASS 268648102 37 340 SH SOLE 0 0 340
ENSCO INTERNATIONAL INC 26874Q100 29 1300 SH SOLE 1000 0 300
ESB FINANCIAL CORP 26884F102 54 4598 SH SOLE 4598 0 0
ECHELON INTERNATIONAL CORP 278747100 6 289 SH SOLE 0 0 289
ECHO BAY MINES LTD 278751102 0 400 SH SOLE 400 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 880 13154 SH SOLE 11522 0 1632
ELECTRONIC DATA SYSTEMS CORP 285661104 147 2200 SH DEFINED 1900 0 300
EMERGING MARKETS INC FD II 290920107 52 5148 SH SOLE 5148 0 0
EMERSON ELECTRIC CO 291011104 137 2400 SH SOLE 2400 0 0
EMERSON ELECTRIC CO 291011104 5 100 SH DEFINED 0 0 100
ENERGY EAST CORP 29266M109 3 150 SH SOLE 75 0 75
ENRON CORP 293561106 270 6100 SH SOLE 6100 0 0
EQUITABLE RESOURCES INC 294549100 88 2654 SH SOLE 2654 0 0
EQUITABLE RESOURCES INC 294549100 20 601 SH DEFINED 601 0 0
EQUITY RESIDENTIAL PPTYS TR PFD CONV SER 2.1529476L826 5 200 SH SOLE 200 0 0
EQUITY RESIDENTAL PPTYS SER E CONV PFD 7% 29476L883 23 1000 SH SOLE 1000 0 0
ERICSSON LM TEL CO ADR 294821400 59 900 SH SOLE 400 0 500
EXCELSIOR HENDERSON 300906104 0 100 SH SOLE 100 0 0
EXXON MOBIL CORP 30231G102 5854 72667 SH SOLE 67267 0 5400
EXXON MOBIL CORP 30231G102 120 1500 SH DEFINED 1500 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
FMC CORPORATION 302491303 207 3626 SH SOLE 3626 0 0
FNB CORP 302520101 1 68 SH SOLE 68 0 0
FPL GROUP INC 302571104 85 2000 SH DEFINED 2000 0 0
FEDERAL MOGUL CORP 313549107 4 200 SH SOLE 200 0 0
FANNIE MAE 313586109 914 14650 SH SOLE 13450 0 1200
FANNIE MAE 313586109 181 2900 SH DEFINED 2900 0 0
FINOVA GROUP INC 317928109 14 400 SH SOLE 400 0 0
FIRST COMMONWEALTH FINL CORP 319829107 1364 113746 SH SOLE 98244 0 15502
FIRST COMMONWEALTH FINL CORP 319829107 324 27016 SH DEFINED 25396 0 1620
FIRST UNION CORP 337358105 113 3445 SH SOLE 2819 0 626
FIRST VIRGINIA BANKS INC 337477103 9 224 SH SOLE 0 0 224
FIRST ENGERY CORP 337932107 170 7519 SH SOLE 7070 0 449
FIRST ENGERY CORP 337932107 129 5719 SH DEFINED 5719 0 0
FLEETBOSTON FINANCIAL CORP 339030108 27 800 SH SOLE 0 0 800
FLORIDA PROGRESS CORP 341109106 148 3500 SH SOLE 1500 0 2000
FLUOR CORP 343861100 27 600 SH SOLE 400 0 200
FOOTSTAR INC 344912100 38 1266 SH DEFINED 1266 0 0
FORD MOTOR COMPANY 345370100 626 11744 SH SOLE 11644 0 100
FORD MOTOR COMPANY 345370100 170 3200 SH DEFINED 3000 0 200
FOREST LABS INC 345838106 30 500 SH SOLE 0 0 500
FORTUNE BRANDS INC 349631101 519 15700 SH SOLE 14500 0 1200
FORTUNE BRANDS INC 349631101 37 1125 SH DEFINED 1125 0 0
FRANCHISE FINANCIAL CORP OF AM 351807102 17 726 SH SOLE 726 0 0
GPU INC 36225X100 147 4968 SH SOLE 4342 0 626
GPU INC 36225X100 171 5767 SH DEFINED 5767 0 0
GTE CORP 362320103 1492 21148 SH SOLE 20060 0 1088
GTE CORP 362320103 250 3548 SH DEFINED 3498 0 50
GABELLI GLOBAL MULTIMEDIA TRUST 36239Q109 5 285 SH SOLE 285 0 0
GABELLI EQUITY TRUST INC 362397101 39 3183 SH SOLE 3183 0 0
GABELLI UTILITY TRUST COMMON 36240A101 2 318 SH SOLE 318 0 0
GALLAHER GROUP PLC 363595109 232 15100 SH SOLE 13900 0 1200
GALLAHER GROUP PLC 363595109 18 1225 SH DEFINED 1225 0 0
GANNETT INC 364730101 407 5000 SH SOLE 5000 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GARTNER GROUP INC NEW COM CLASS B 366651206 30 2184 SH SOLE 1898 0 286
GARTNER GROUP INC NEW COM CLASS B 366651206 3 260 SH DEFINED 260 0 0
GATEWAY INC 367626108 28 400 SH SOLE 400 0 0
GENERAL CABLE CORP 369300108 10 1350 SH SOLE 1350 0 0
GENERAL ELECTRIC CO 36960410S 131 848 SH SOLE 476 0 372
GENERAL ELECTRIC CO 369604103 4167 26930 SH SOLE 23630 0 3300
GENERAL ELECTRIC CO 369604103 232 1500 SH DEFINED 1300 0 200
GENERAL INSTRUMENT CORP 370120107 8 100 SH SOLE 100 0 0
GENERAL MILLS INC 370334104 84 2350 SH SOLE 2350 0 0
GENERAL MILLS INC 370334104 14 400 SH DEFINED 400 0 0
GENERAL MOTORS CORP 370442105 603 8305 SH SOLE 8305 0 0
GENERAL MOTORS CORP 370442105 96 1333 SH DEFINED 1333 0 0
GENERAL MOTORS CORP H 370442832 7 76 SH SOLE 76 0 0
GENUINE PARTS CO 372460105 16 650 SH SOLE 650 0 0
GENUINE PARTS CO 372460105 7 300 SH DEFINED 300 0 0
GILLETTE COMPANY 37576610S 149 3638 SH SOLE 2251 0 1387
GILLETTE COMPANY 375766102 406 9874 SH SOLE 8874 0 1000
GILLETTE COMPANY 375766102 24 600 SH DEFINED 0 0 600
GLAXO WELLCOME PLC SPONSORED 37733W105 22 400 SH SOLE 400 0 0
GLOBAL MARINE INC 379352404 24 1500 SH SOLE 1000 0 500
HRPT PPTYS TR 40426W101 11 1230 SH SOLE 1230 0 0
HALLIBURTON CO 406216101 15 375 SH SOLE 375 0 0
JOHN HANCOCK BK & THRIFT FD 409735107 7 892 SH SOLE 892 0 0
JOHN HAN PATR PREM DIV FD I 41013Q101 5 756 SH SOLE 0 0 756
HANSON PLC SPON ADR NEW 411352404 4 100 SH SOLE 100 0 0
HARTFORD FINL GRP INC COM 416515104 47 996 SH SOLE 996 0 0
HAWAIIAN ELECTRIC INDS 419870100 14 494 SH SOLE 494 0 0
HEALTH CARE PPTY INVS 421915109 11 500 SH SOLE 500 0 0
HEALTHCARE REALTY TRUST INC 421946104 13 880 SH SOLE 880 0 0
HEINZ (H.J.) CO 423074103 2084 52350 SH SOLE 50200 0 2150
HEINZ (H.J.) CO 423074103 23 600 SH DEFINED 600 0 0
HERITAGE FINANCIAL CORP 42722X106 6 800 SH SOLE 800 0 0
HERSHEY FOODS CORP 427866108 132 2800 SH SOLE 2800 0 0
HERSHEY FOODS CORP 427866108 37 800 SH DEFINED 0 0 800
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
HEWLETT-PACKARD CO 428236103 193 1700 SH SOLE 1200 0 500
HEWLETT-PACKARD CO 428236103 34 300 SH DEFINED 0 0 300
HIRSCH INTERNATIONAL CORP A 433550100 0 120 SH SOLE 120 0 0
HOME DEPOT INC 437076102 10 150 SH SOLE 150 0 0
HONEYWELL INTERNATIONAL INC 438516106 114 1980 SH SOLE 900 0 1080
HONEYWELL INTERNATIONAL INC 438516106 304 5276 SH DEFINED 5276 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
HUSSMAN INTERNATIONAL 448110106 19 1274 SH SOLE 0 0 1274
HYPERION 2002 TERM TRUST INC 448915108 37 4595 SH SOLE 0 0 4595
IMS HEALTH INC 449934108 429 15800 SH SOLE 13600 0 2200
IMS HEALTH INC 449934108 54 2000 SH DEFINED 2000 0 0
ITT INDUSTRIES INC 450911102 62 1858 SH SOLE 1758 0 100
ITT INDUSTRIES INC 450911102 6 200 SH DEFINED 200 0 0
IKON OFFICE SOLUTIONS INC 451713101 2 300 SH SOLE 300 0 0
IKON OFFICE SOLUTIONS INC 451713101 2 300 SH DEFINED 0 0 300
IMAGING TECHNOLOGY CORP 45244U104 37 60000 SH SOLE 0 0 60000
INGERSOLL-RAND CO 456866102 41 750 SH SOLE 0 0 750
INTEL CORP 45814010S 154 1879 SH SOLE 1106 0 773
INTEL CORP 458140100 3577 43468 SH SOLE 36168 0 7300
INTEL CORP 458140100 600 7300 SH DEFINED 4900 0 2400
INTL BUSINESS MACHINES CORP 459200101 858 7962 SH SOLE 7432 0 530
INTL BUSINESS MACHINES CORP 459200101 151 1400 SH DEFINED 1400 0 0
IPALCO ENTERPRISES INC 462613100 71 4200 SH SOLE 4200 0 0
JEFFERSON-PILOT CORP 475070108 20 300 SH SOLE 0 0 300
JOHNSON & JOHNSON 47816010S 167 1801 SH SOLE 1051 0 750
JOHNSON & JOHNSON 478160104 111 1200 SH SOLE 400 0 800
KMART CORP 482584109 11 1100 SH SOLE 0 0 1100
KMART CORP 482584109 13 1300 SH DEFINED 1300 0 0
KELLOGG CO 487836108 6 200 SH SOLE 200 0 0
KENNAMETAL INC 489170100 43 1300 SH SOLE 1300 0 0
KERR-MCGEE CORP 492386107 5 81 SH SOLE 81 0 0
KEYCORP 493267108 28 1300 SH SOLE 1300 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
KEYSTONE FIN INC 493482103 5 280 SH SOLE 280 0 0
KIMBERLY-CLARK CORP 494368103 1321 20200 SH SOLE 18600 0 1600
KIMBERLY-CLARK CORP 494368103 209 3200 SH DEFINED 3000 0 200
KINDER MORGAN ENERGY 494550106 5 139 SH SOLE 139 0 0
KONINKLIJKE PHILIPS ELECTRS NEW 500472204 12 92 SH SOLE 92 0 0
LSI LOGIC CORP 502161102 40 600 SH SOLE 0 0 600
ESTEE LAUDER COMPANY CL A 518439104 10 200 SH SOLE 200 0 0
LEXINGTON CORP PPTYS TR COM 529043101 27 2975 SH SOLE 2975 0 0
LIBERTY ALL STAR EQUITY FUND 530158104 54 4915 SH SOLE 4915 0 0
LILLY (ELI) & CO 532457108 26 400 SH SOLE 400 0 0
LINCOLN NATIONAL CORP 534187109 572 14320 SH SOLE 14320 0 0
LUCENT TECHNOLOGIES INC 54946310S 175 2344 SH SOLE 1508 0 836
LUCENT TECHNOLOGIES INC 549463107 4947 65972 SH SOLE 60235 0 5737
LUCENT TECHNOLOGIES INC 549463107 604 8058 SH DEFINED 5682 0 2376
LYONDELL CHEMICAL COMPANY 552078107 51 4000 SH DEFINED 4000 0 0
MBNA CORP 55262L100 45 1687 SH SOLE 337 0 1350
MCI WORLDCOM INC 55268B10S 164 3107 SH SOLE 1737 0 1370
MCI WORLDCOM INC 55268B106 383 7236 SH SOLE 4311 0 2925
MCI WORLDCOM INC 55268B106 187 3525 SH DEFINED 1125 0 2400
MFS CHARTER INCOME TRUST 552727109 8 1000 SH SOLE 0 0 1000
MANAGED MUNI PORTFOLIO INC 561662107 24 2726 SH SOLE 2726 0 0
MATTEL INC 577081102 10 796 SH SOLE 796 0 0
MAY DEPARTMENT STORES CO 577778103 123 3834 SH SOLE 3834 0 0
MAY DEPARTMENT STORES CO 577778103 147 4587 SH DEFINED 4587 0 0
MAYTAG CORP 57859210S 61 1282 SH SOLE 994 0 288
MAYTAG CORP 578592107 9 200 SH SOLE 200 0 0
MCDONALD'S CORP 580135101 330 8200 SH SOLE 5400 0 2800
MCDONALD'S CORP 580135101 147 3652 SH DEFINED 2852 0 800
MCKESSON HBOC INC 58155Q103 198 8800 SH SOLE 8800 0 0
MCKESSON HBOC INC 58155Q103 9 400 SH DEFINED 200 0 200
MEDIAONE GROUP INC 58440J104 83 1083 SH SOLE 973 0 110
MELLON FINANCIAL CORP 58551A108 248 7308 SH SOLE 7308 0 0
MERCK & CO., INC 589331107 1618 24096 SH SOLE 22826 0 1270
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MERITOR AUTOMOTIVE 59000G100 78 4063 SH SOLE 3430 0 633
MERITOR AUTOMOTIVE 59000G100 38 1965 SH DEFINED 1965 0 0
MICROSOFT CORP 59491810S 200 1719 SH SOLE 1101 0 618
MICROSOFT CORP 594918104 3741 32050 SH SOLE 28550 0 3500
MICROSOFT CORP 594918104 338 2900 SH DEFINED 800 0 2100
MIDAS GROUP 595626102 9 424 SH SOLE 0 0 424
MILLENNIUM CHEMICALS INC 599903101 0 7 SH SOLE 7 0 0
MILLS CORP 601148109 8 500 SH SOLE 500 0 0
MINNESOTA MINING & MFG CO 604059105 33 344 SH SOLE 344 0 0
MITEL CORP 606711109 1 100 SH SOLE 100 0 0
THE MONY GROUP INC 615337102 3 111 SH SOLE 111 0 0
J P MORGAN & COMPANY 616880100 16 130 SH SOLE 130 0 0
MORGAN STANLEY DEAN WITTER 617446448 130 914 SH SOLE 914 0 0
MORGAN STANLEY DEAN WITTER 617446448 11 82 SH DEFINED 82 0 0
MORGAN STANLEY DEAN WITTER GOVT INCOME TR 61745P106 8 1000 SH SOLE 1000 0 0
MOTOROLA INC 620076109 73 500 SH SOLE 500 0 0
NCR CORP 62886E108 14 385 SH SOLE 370 0 15
NCR CORP 62886E108 3 104 SH DEFINED 104 0 0
NABISCO GROUP HOLDING GROUP 62952P102 35 3346 SH SOLE 3146 0 200
NABISCO GROUP HOLDING GROUP 62952P102 1 100 SH DEFINED 0 0 100
NACCO INDUSTRIES -CL A 629579103 16 300 SH SOLE 300 0 0
UIT NASDAQ 100 TR 1 631100104 15 84 SH SOLE 84 0 0
NATIONAL CITY CORP 635405103 3548 149851 SH SOLE 149851 0 0
NATIONAL FUEL GAS CO 636180101 652 14039 SH SOLE 14039 0 0
NATIONAL FUEL GAS CO 636180101 18 400 SH DEFINED 0 0 400
NEW CENTURY ENERGIES INC 64352U103 3 100 SH SOLE 100 0 0
NEW ENGLAND ELECTRIC SYSTEM 644001109 25 500 SH SOLE 500 0 0
NEWELL RUBBERMAID INC 651229106 380 13108 SH SOLE 13108 0 0
NEWMONT MINING CORP 651639106 2 119 SH SOLE 119 0 0
NICOR INC 654086107 13 402 SH SOLE 402 0 0
NORFOLK SOUTHERN CORP 655844108 128 6258 SH SOLE 300 0 5958
NORTEL NETWORKS CORP 656569100 121 1200 SH SOLE 0 0 1200
NORTH FORK BANCORPORATION INC 659424105 7 450 SH SOLE 450 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
NORTHWEST BANCORP PA 667328108 6 1000 SH SOLE 1000 0 0
NORTHWESTERN CORP 668074107 11 536 SH SOLE 536 0 0
NUVEEN PREMIUM INC MUNI FUND 6706K4105 14 1200 SOLE 1200 0 0
NUVEEN PENN PREMIUM INC 2 67061F101 52 4413 SOLE 4413 0 0
NUVEEN PENN PREMIUM INC 2 67061F101 3 300 DEFINED 300 0 0
NUVEEN MUNI ADVANTAGE FUND 67062H106 8 745 SOLE 745 0 0
OGE ENERGY CORP 670837103 89 4734 SH SOLE 4734 0 0
NUVEEN MUNI VALUE FUND 670928100 8 1063 SOLE 1063 0 0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC 670972108 43 3300 SOLE 3300 0 0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC 670972108 56 4234 DEFINED 4234 0 0
NUVEEN QUALITY MUNI FUND 670977107 36 3000 SOLE 3000 0 0
OAK TECHNOLOGY 671802106 4 500 SH DEFINED 0 0 500
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 52 1800 SH SOLE 1800 0 0
OMNIPOINT CORP 68212D102 12 100 SH SOLE 100 0 0
ORACLE CORP 68389X105 84 750 SH DEFINED 0 0 750
OREGON TRAIL FINANCIAL CORP 685932105 7 700 SH SOLE 700 0 0
P COM INC 693262107 0 80 SH SOLE 80 0 0
PECO ENERGY CO 693304107 10 300 SH SOLE 100 0 200
PECO ENERGY CO 693304107 201 5789 SH DEFINED 5789 0 0
PNC BANK CORP 693475105 669 15046 SH SOLE 12421 0 2625
PNC BANK CORP 693475105 129 2900 SH DEFINED 2900 0 0
PP&L RESOURCES INC 693499105 23 1037 SH SOLE 1037 0 0
PPG INDUSTRIES INC 693506107 686 10975 SH SOLE 10975 0 0
PPG INDUSTRIES INC 693506107 30 480 SH DEFINED 480 0 0
PACTIV CORPORATION 695257105 7 710 SH SOLE 710 0 0
PARAMETRIC TECHNOLOGY CORP 699173100 5 200 SH SOLE 200 0 0
PAYLESS SHOESOURCE INC 704379106 13 297 SH DEFINED 297 0 0
PENN TRAFFIC CO NEW 707832200 0 10 SH SOLE 0 0 10
PENNEY (J.C.) CO 708160106 4 220 SH SOLE 220 0 0
PENNEY (J.C.) CO 708160106 87 4412 SH DEFINED 4412 0 0
PENNZOIL QUAKER ST CO 709323109 19 1903 SH SOLE 1903 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PEPSICO INC 71344810S 154 4384 SH SOLE 2846 0 1538
PEPSICO INC 713448108 791 22460 SH SOLE 20460 0 2000
PEPSICO INC 713448108 232 6600 SH DEFINED 3700 0 2900
PHARMACIA & UPJOHN INC 716941109 32 724 SH SOLE 724 0 0
PFIZER INC 71708110S 112 3461 SH SOLE 2050 0 1411
PFIZER INC 717081103 634 19567 SH SOLE 15567 0 4000
PFIZER INC 717081103 107 3300 SH DEFINED 0 0 3300
PHILLIP MORRIS COMPANIES INC 718154107 80 3500 SH SOLE 900 0 2600
PHILLIP MORRIS COMPANIES INC 718154107 13 600 SH DEFINED 600 0 0
PHILLIPS PETROLEUM CO 718507106 18 393 SH SOLE 393 0 0
PHILLIPS PETROLEUM CO 718507106 12 257 SH DEFINED 257 0 0
PILGRIM PRIME RATE TRUST NEW SH BEN INT 72146W103 34 4299 SH SOLE 4299 0 0
POTOMAC ELECTRIC POWER 737679100 387 16920 SH SOLE 16220 0 700
POTOMAC ELECTRIC POWER 737679100 41 1800 SH DEFINED 1400 0 400
PRAXAIR INC 74005P104 110 2204 SH SOLE 2204 0 0
PROCTOR & GAMBLE CO 742718109 328 3000 SH SOLE 3000 0 0
PROCTOR & GAMBLE CO 742718109 87 800 SH DEFINED 0 0 800
PROSPECT STREET HI INC FUND 743586406 3 592 SH SOLE 592 0 0
PROVIDIAN FINANCIAL CORP 74406A102 40 450 SH SOLE 450 0 0
PUBLIC SERVICE ENTERPRISE GP 744573106 206 5940 SH SOLE 5940 0 0
PUBLIC SERVICE ENTERPRISE GP 744573106 13 400 SH DEFINED 400 0 0
PUTNAM MASTER INCOME TRUST 74683K104 26 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
QUAKER OATS CO 747402105 118 1800 SH SOLE 1800 0 0
QUANTUM CORP DSSG 747906204 15 1000 SH SOLE 1000 0 0
QUANTUM CORP DSSG 747906204 45 3000 SH DEFINED 0 0 3000
R&B FALCON CORPORATION 74912E101 46 3500 SH SOLE 3500 0 0
R&B FALCON CORPORATION 74912E101 5 440 SH DEFINED 0 0 440
QWEST COMMUNICATIONS INTL 74912110S 157 3672 SH SOLE 2204 0 1468
QWEST COMMUN INTL 749121109 282 6575 SH SOLE 4775 0 1800
QWEST COMMUN INTL 749121109 169 3950 SH DEFINED 1150 0 2800
RCN CORPORATION 749361101 48 1000 SH SOLE 500 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
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 9 466 SH SOLE 466 0 0
RALSTON-RALSTON 75127730S 96 3471 SH SOLE 2267 0 1204
RALSTON-RALSTON 751277302 144 5172 SH SOLE 5172 0 0
RAYONIER INC 754907103 6 125 SH SOLE 125 0 0
RAYTHEON CO 755111309 2 98 SH SOLE 98 0 0
RAYTHEON CO 755111309 1 78 SH DEFINED 78 0 0
RAYTHEON CO CL B 755111408 50 1900 SH SOLE 1900 0 0
READERS DIGEST ASSN -CL A 755267101 52 1800 SH SOLE 1300 0 500
READERS DIGEST ASSN -CL A 755267101 11 400 SH DEFINED 300 0 100
RELIANT ENERGY INC 75952J108 36 1600 SH SOLE 1600 0 0
REMEDY CORPORATION 759548100 4 100 SH SOLE 100 0 0
RESPIRONICS INC 761230101 3 400 SH SOLE 400 0 0
REYNOLDS RJ TOBACCO HOLDINGS INC 76182K105 0 15 SH SOLE 15 0 0
RITE AID CORP 767754104 13 1200 SH SOLE 800 0 400
RITE AID CORP 767754104 3 300 SH DEFINED 200 0 100
ROCKWELL INTL CORP 773903109 702 14668 SH SOLE 12768 0 1900
ROCKWELL INTL CORP 773903109 256 5350 SH DEFINED 5250 0 100
ROHM & HAAS CO 775371107 14 368 SH SOLE 368 0 0
ROYAL DUTCH PETE 780257804 31 520 SH SOLE 520 0 0
ROYAL DUTCH PETE 780257804 12 200 SH DEFINED 0 0 200
S&T BANCORP INC 783859101 65276 2816082 SH SOLE 2772541 0 43541
S&T BANCORP INC 783859101 6612 285285 SH DEFINED 279145 0 6140
SBC COMMUNICATIONS INC 78387G103 3512 72056 SH SOLE 67751 0 4305
SBC COMMUNICATIONS INC 78387G103 232 4760 SH DEFINED 3202 0 1558
SAFETY KLEEN CORP NEW 78648R203 11 1000 SH SOLE 1000 0 0
ST PAUL COMPANIES 792860108 60 1804 SH SOLE 1804 0 0
SANTA FE ENERGY TR-UTS 802013102 26 1500 SH SOLE 1500 0 0
SANTA FE SNYDER CORP 80218K105 1 138 SH SOLE 138 0 0
SARA LEE CORP 803111103 421 19100 SH SOLE 18500 0 600
SARA LEE CORP 803111103 66 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 710 16770 SH SOLE 16770 0 0
SCHERING-PLOUGH CORP 806605101 50 1200 SH DEFINED 0 0 1200
SCHLUMBERGER LTD 80685710S 118 2106 SH SOLE 1220 0 886
SCHLUMBERGER LTD 806857108 72 1300 SH SOLE 800 0 500
SCHLUMBERGER LTD 806857108 152 2725 SH DEFINED 2475 0 250
CHARLES SCHWAB CORPORATION 808513105 42 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 3 125 SH DEFINED 125 0 0
SENIOR HOUSING PROPERTIES TRUST 81721M109 1 123 SH SOLE 123 0 0
SERVICEMASTER CO 81760N109 46 3795 SH SOLE 3795 0 0
SHERWIN-WILLIAMS CO 824348106 2 120 SH SOLE 120 0 0
SKY FINANCIAL GROUP 83080P103 37 1881 SH SOLE 1881 0 0
SOUTH JERSEY INDUSTRIES 838518108 0 20 SH SOLE 20 0 0
SOUTHERN CO 842587107 56 2412 SH SOLE 2412 0 0
SPRINT CORP 852061100 179 2666 SH SOLE 2666 0 0
SPRINT CORP (PCS GROUP) 852061506 68 666 SH SOLE 666 0 0
STARBUCKS CORPORATION 855244109 12 536 SH SOLE 536 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 19 823 SH SOLE 823 0 0
STORAGE TECHNOLOGY CORP NEW 862111200 1 100 SH SOLE 100 0 0
SUMMIT BANCORP 866005101 255 8352 SH SOLE 8352 0 0
SUNBEAM CORP 867071102 19 4750 SH SOLE 4100 0 650
SUNBEAM CORP 867071102 1 300 SH DEFINED 300 0 0
SUNOCO INC 86764P109 5 220 SH SOLE 220 0 0
TECO ENERGY INC 872375100 211 11400 SH SOLE 11400 0 0
TECO ENERGY INC 872375100 7 400 SH DEFINED 0 0 400
TANDY CORPORATION 875382103 4 100 SH SOLE 100 0 0
TELESCAN INC 879516102 7 300 SH SOLE 300 0 0
TEMPLETON GLOBAL INCOME FUND 880198106 4 844 SH SOLE 844 0 0
TENNECO AUTOMOTIVE INC 880349105 4 502 SH SOLE 502 0 0
TEXACO INC 881694103 177 3260 SH SOLE 2760 0 500
TEXACO INC 881694103 40 750 SH DEFINED 400 0 350
TEXAS UTILITIES CO 882848104 7 200 SH SOLE 200 0 0
TEXAS UTILITIES CO 882848104 17 500 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
3COM CORP 885535104 23 500 SH SOLE 500 0 0
TRICON GLOBAL RESTAURANT INC 895953107 57 1500 SH SOLE 1400 0 100
TRICON GLOBAL RESTAURANT INC 895953107 3 80 SH DEFINED 80 0 0
II-VI INC 902104108 20 1000 SH SOLE 0 0 1000
TYCO INTERNATIONAL LTD 902124106 143 3680 SH SOLE 3080 0 600
UGI CORP 902681105 15 775 SH SOLE 775 0 0
USX-MARATHON GROUP 902905827 50 2047 SH SOLE 2047 0 0
USX-US STEEL GROUP INC 90337T101 13 419 SH SOLE 419 0 0
UNILEVER NV NY SHARE F NEW 90478470S 152 2801 SH SOLE 1569 0 1232
UNILEVER NV NY SHARE F NEW 904784709 296 5447 SH SOLE 5158 0 289
UNILEVER NV NY SHARE F NEW 904784709 59 1100 SH DEFINED 0 0 1100
UNION CARBIDE SORP HLDG CO 905581104 158 2370 SH SOLE 2370 0 0
UNION PACIFIC CORP 907818108 214 4900 SH SOLE 4300 0 600
UNION PACIFIC CORP 907818108 218 5000 SH DEFINED 4600 0 400
UNION PACIFIC RESOURCES GRP 907834105 28 2200 SH SOLE 2200 0 0
UNION PACIFIC RESOURCES GRP 907834105 47 3700 SH DEFINED 3300 0 400
UNITED DOMINION INDUSTRIES LTD 909914103 9 500 SH SOLE 0 0 500
US OFFICE PRODUCTS NEW 912325305 0 172 SH SOLE 172 0 0
US WEST INC 91273H101 510 7097 SH SOLE 6569 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 13 1000 SOLE 1000 0 0
VAN KAMPEN ADVANTAGE PENNA MUN INCOME TRUST 920937109 3 266 SOLE 266 0 0
VAN KAMPEN STRATEGIC SECTOR MUNICIPAL TRUST 920943107 3 335 SOLE 167 0 168
VAN KAMPEN SR INCOME TR COM 920961109 16 2000 SH SOLE 2000 0 0
VIAD CORP 92552R109 175 6308 SH SOLE 6008 0 300
VIAD CORP 92552R109 2 100 SH DEFINED 100 0 0
VIACOM CL B 925524308 15 250 SH SOLE 250 0 0
VODAFONE AIRTOUCH PUBLIC LTD CO ADR 92857T107 633 12790 SH SOLE 12550 0 240
VODAFONE AIRTOUCH PUBLIC LTD CO ADR 92857T107 24 500 SH DEFINED 500 0 0
WPS RESOURCES CORP 92931B106 95 3800 SH SOLE 3800 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
WAL-MART STORES INC 931142103 174 2520 SH SOLE 2520 0 0
WAL-MART STORES INC 931142103 6 100 SH DEFINED 0 0 100
WALGREEN CO 931422109 23 800 SH SOLE 800 0 0
WALGREEN CO 931422109 117 4000 SH DEFINED 0 0 4000
WARNER LAMBERT CO 93448810S 130 1595 SH SOLE 1237 0 358
WARNER LAMBERT CO 934488107 3301 40300 SH SOLE 36600 0 3700
WARNER LAMBERT CO 934488107 184 2250 SH DEFINED 1200 0 1050
WASHINGTON GAS LIGHT CO 938837101 9 354 SH SOLE 354 0 0
WASTE MANAGEMENT INC NEW 94106L109 91 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
WHITMAN CORP NEW 96647R107 34 2548 SH SOLE 0 0 2548
WILLIAMS COS INC 969457100 27 912 SH SOLE 912 0 0
WINN-DIXIE STORES INC 974280109 11 460 SH SOLE 460 0 0
WORTHINGTON INDUSTRIES 981811102 235 14200 SH SOLE 13100 0 1100
WORTHINGTON INDUSTRIES 981811102 57 3500 SH DEFINED 1100 0 2400
XEROX CORP 984121103 6 300 SH SOLE 300 0 0
YORK INTERNATIONAL CORP 986670107 41 1500 SH SOLE 0 0 1500
ZWEIG TOTAL RETURN FUND INC 989837109 19 3000 SH SOLE 3000 0 0
GRAND TOTALS 188078 5874183 5432220 0 441963
</TABLE>