UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 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 October 13, 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: 633
Form 13F Information Table Value Total: $175,309 (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 9 300 SH SOLE 0 0 300
LORAL SPACE & COMMUNICATIONS G56462107 56 9200 SH SOLE 8200 0 1000
LORAL SPACE & COMMUNICATIONS G56462107 10 1700 SH DEFINED 500 0 1200
TRANSOCEAN SEDCO FOREX INC G90078109 13 229 SH SOLE 134 0 95
TRANSOCEAN SEDCO FOREX INC G90078109 29 510 SH DEFINED 462 0 48
ACM GOVERNMENT INCOME FUND 000912105 27 3600 SH SOLE 1600 0 2000
AGL RESOURCES INC 001204106 142 7100 SH SOLE 6700 0 400
AGL RESOURCES INC 001204106 17 850 SH DEFINED 800 0 50
AK STL HOLDING CORP 001547108 3 382 SH SOLE 382 0 0
AT&T CORP 00195710S 324 11055 SH SOLE 9053 0 2002
AT&T CORP 00195710S 4 159 SH DEFINED 159 0 0
AT&T CORP 001957109 2230 75957 SH SOLE 71192 0 4765
AT&T CORP 001957109 279 9523 SH DEFINED 7473 0 2050
AT&T WIRELESS GROUP 001957406 54 2600 SH SOLE 2600 0 0
AXA FINANCIAL INC 002451102 12 250 SH SOLE 250 0 0
ABBOTT LABORATORIES 002824100 772 16240 SH SOLE 10240 0 6000
ABBOTT LABORATORIES 002824100 114 2400 SH DEFINED 2000 0 400
ADAPTIVE BROADBAND CORP 00650M104 15 800 SH SOLE 800 0 0
ADAPTIVE BROADBAND CORP 00650M104 3 200 SH DEFINED 200 0 0
ADVANCED TECHNICAL PRODUCTS 007548100 3 1000 SH SOLE 1000 0 0
ADV MICRO DEVICES INC 007903107 23 1000 SH SOLE 1000 0 0
AEGON NV 007924103 25 692 SH SOLE 692 0 0
AETNA INC 008117103 80 1385 SH DEFINED 1385 0 0
AGILENT TECHNOLOGIES INC 00846U101 26 532 SH SOLE 532 0 0
AGILENT TECHNOLOGIES INC 00846U101 7 152 SH DEFINED 0 0 152
ALBERTSON'S INC 013104104 73 3500 SH SOLE 3200 0 300
ALBERTSON'S INC 013104104 35 1700 SH DEFINED 1100 0 600
ALCOA INC 013817101 141 5600 SH SOLE 5600 0 0
ALLEGHENY POWER SYSTEM 017361106 128 3372 SH SOLE 3372 0 0
ALLEGHENY POWER SYSTEM 017361106 30 800 SH DEFINED 800 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ALLIANCE CAPITAL MGMT HOLDING LP UNIT LTD PARTNE01855A101 70 1400 SH SOLE 1400 0 0
ALLIANT CORP 018802108 18 628 SH SOLE 628 0 0
ALLIED IRISH BANKS PLC ADR 019228402 40 1872 SH SOLE 1872 0 0
ALLIED WASTE INDUSTRIES INC 019589308 9 1000 SH SOLE 1000 0 0
ALLIED WASTE INDUSTRIES INC 019589308 18 2000 SH DEFINED 0 0 2000
ALLMERICA FINANCIAL CORP 019754100 6 100 SH SOLE 100 0 0
ALLMERICA SECURITIES TRUST SBI 019921105 57 6000 SH SOLE 6000 0 0
ALLSTATE CORP 020002101 82 2388 SH SOLE 2388 0 0
ALLSTATE CORP 020002101 19 556 SH DEFINED 556 0 0
ALLTEL CORP 020039103 366 7028 SH SOLE 6670 0 358
AMAZON COM INC 023135106 1 50 SH SOLE 50 0 0
AMEREN CORP 023608102 214 5116 SH SOLE 5116 0 0
AMERICA ONLINE INC 02364J10S 337 6276 SH SOLE 5151 0 1125
AMERICA ONLINE INC 02364J10S 4 86 SH DEFINED 86 0 0
AMERICA ONLINE INC 02364J104 647 12040 SH SOLE 10825 0 1215
AMERICA ONLINE INC 02364J104 32 600 SH DEFINED 0 0 600
AMERICAN ELECTRIC POWER 025537101 20 519 SH SOLE 519 0 0
AMERICAN GENERAL CORP 026351106 168 2160 SH SOLE 2160 0 0
AMERICAN HOME PRODUCTS CORP 026609107 1750 30954 SH SOLE 30954 0 0
AMERICAN HOME PRODUCTS CORP 026609107 243 4300 SH DEFINED 2700 0 1600
AMERICAN INSURED MTG INVESTOR LP SER 86 02686F103 0 200 SH SOLE 200 0 0
AMERICAN INTERNATIONAL GROUP INC 026874107 55 576 SH SOLE 576 0 0
AMERICAN LD LEASE INC COM 027118108 2 200 SH SOLE 200 0 0
AMERICAN WATER WORKS INC 030411102 181 6600 SH SOLE 6600 0 0
AMERICAN WATER WORKS INC 030411102 11 400 SH DEFINED 0 0 400
AMERIGAS PARTNERS L.P 030975106 19 1000 SH SOLE 1000 0 0
AMERIGAS PARTNERS L.P 030975106 38 2000 SH DEFINED 2000 0 0
AMETEK NEW 031100100 27 1300 SH SOLE 1300 0 0
AMGEN INC 031162100 104 1500 SH SOLE 1500 0 0
AMSOUTH BANCORPORATION COM 032165102 6 500 SH SOLE 500 0 0
ANADARKO PETE CORP COM 032511107 78 1181 SH SOLE 999 0 182
ANADARKO PETE CORP COM 032511107 99 1500 SH DEFINED 1500 0 0
ANIXTER INTERNATIONAL 035290105 8 300 SH SOLE 300 0 0
ANIXTER INTERNATIONAL 035290105 1 50 SH DEFINED 50 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
APPLIED MATLS INC COM 038222105 5 100 SH SOLE 100 0 0
ARVINMERITOR INC COM 043353101 43 2952 SH SOLE 2478 0 474
ARVINMERITOR INC COM 043353101 34 2350 SH DEFINED 2350 0 0
ASIA PACIFIC FUND 044901106 4 532 SH SOLE 532 0 0
ASSOCIATES 1ST CAP CORP CL A 046008108 204 5372 SH SOLE 5372 0 0
ASSOCIATES 1ST CAP CORP CL A 046008108 41 1098 SH DEFINED 1046 0 52
AUTOLIV INC 052800109 6 341 SH SOLE 341 0 0
AUTOMATIC DATA PROCESSING 053015103 26 400 SH SOLE 400 0 0
AVON PRODUCTS INC 054303102 119 2916 SH SOLE 400 0 2516
BB&T CORPORATION 054937107 15 500 SH DEFINED 500 0 0
BPAMOCO PLC SPONSORED ADR 05562210S 265 5016 SH SOLE 3706 0 1310
BPAMOCO PLC SPONSORED ADR 05562210S 8 153 SH DEFINED 153 0 0
BP AMOCO PLC SPONSORED ADR 055622104 1018 19210 SH SOLE 19210 0 0
BP AMOCO PLC SPONSORED ADR 055622104 17 328 SH DEFINED 328 0 0
BT FINANCIAL CORP 055763106 162 8760 SH SOLE 8760 0 0
BAKER HUGHES INC 057224107 28 760 SH DEFINED 760 0 0
BANK OF AMERICA CORP 06050510S 491 9385 SH SOLE 8037 0 1348
BANK OF AMERICA CORP 06050510S 6 133 SH DEFINED 133 0 0
BANK OF AMERICA CORP 060505104 370 7084 SH SOLE 5680 0 1404
BANK OF AMERICA CORP 060505104 78 1500 SH DEFINED 0 0 1500
BANK ONE CORP 06423A10S 329 8523 SH SOLE 6565 0 1958
BANK ONE CORP 06423A10S 6 161 SH DEFINED 161 0 0
BANK ONE CORP 06423A103 469 12167 SH SOLE 11634 0 533
BANK ONE CORP 06423A103 1220 31606 SH DEFINED 2912 0 28694
BARNES GROUP INC 067806109 11 639 SH SOLE 639 0 0
BAXTER INTERNATIONAL INC 071813109 359 4500 SH SOLE 4500 0 0
BAXTER INTERNATIONAL INC 071813109 66 838 SH DEFINED 838 0 0
BECTON DICKINSON & CO 075887109 459 17400 SH SOLE 17300 0 100
BECTON DICKINSON & CO 075887109 81 3100 SH DEFINED 3100 0 0
BEDFORD PPTY INVS INC COM PAR $0.02 076446301 10 500 SH SOLE 500 0 0
BELLSOUTH CORP 079860102 2998 74504 SH SOLE 65287 0 9217
BELLSOUTH CORP 079860102 434 10796 SH DEFINED 6984 0 3812
BERGEN BRUNSWIG CORP 083739102 13 1120 SH DEFINED 1120 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
BESTFOODS 08658U101 58 800 SH SOLE 800 0 0
BETHLEHEM STEEL (BS ) $2.5000 087509402 8 500 SH SOLE 500 0 0
BLACKROCK INCOME TRUST 09247F100 31 5000 SH SOLE 5000 0 0
BLACKROCK INCOME TRUST 09247F100 19 3000 SH DEFINED 3000 0 0
BLACKROCK NORTH AMER GVT INC 092475102 13 1333 SH SOLE 0 0 1333
BLACKROCK TARGET TERM TRUST 092476100 19 2000 SH SOLE 0 0 2000
BLACKROCK 2001 TERM TRUST 092477108 1162 125650 SH SOLE 114750 0 10900
BLACKROCK 2001 TERM TRUST 092477108 159 17200 SH DEFINED 17200 0 0
BLAIR CORPORATION 092828102 3 150 SH SOLE 150 0 0
BOB EVANS FARMS 096761101 3 182 SH SOLE 182 0 0
BOEING CO 097023105 41 664 SH SOLE 664 0 0
BOEING CO 097023105 14 232 SH DEFINED 232 0 0
BRISTOL-MYERS SQUIBB CO 110122108 3125 54712 SH SOLE 49712 0 5000
BRISTOL-MYERS SQUIBB CO 110122108 432 7580 SH DEFINED 6480 0 1100
BURLINGTON NORTHERN SANTE FE 12189T104 33 1542 SH SOLE 1542 0 0
CBRL GROUP INC COM 12489V106 1 100 SH SOLE 100 0 0
CENTRAL HUDSON GAS & ELECTRIC CORP 12541M102 7 200 SH SOLE 200 0 0
CIGNA HIGH INCOME SHS FUND 12551D109 4 888 SH SOLE 888 0 0
CNB FINANCIAL CORP/PA 126128107 9 570 SH SOLE 570 0 0
C P & L ENERGY INC COM 12614C106 89 2149 SH SOLE 2149 0 0
CSX CORP 126408103 3 144 SH SOLE 144 0 0
CVS CORP 126650100 91 1968 SH SOLE 1968 0 0
CVS CORP 126650100 728 15732 SH DEFINED 15732 0 0
CABLETRON SYS INC COM 126920107 2 100 SH SOLE 100 0 0
CALGON CARBON CORP 129603106 2 400 SH SOLE 400 0 0
CAMPBELL SOUP CO 134429109 7 300 SH SOLE 100 0 200
CANADIAN PACIFIC LTD 135923100 7 300 SH SOLE 300 0 0
CANADIAN PACIFIC LTD 135923100 7 300 SH DEFINED 300 0 0
CARDINAL HEALTH INC 14149Y108 96 1094 SH SOLE 1094 0 0
CARDINAL HEALTH INC 14149Y108 20 232 SH DEFINED 232 0 0
CARLISLE COS INC 142339100 83 2000 SH SOLE 0 0 2000
CATELLUS DEVELOPMENT CORP 149111106 2 115 SH SOLE 115 0 0
CATERPILLAR INC 14912310S 182 5394 SH SOLE 4508 0 886
CATERPILLAR INC 14912310S 3 99 SH DEFINED 99 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
CATERPILLAR INC 149123101 74 2205 SH SOLE 2205 0 0
CATERPILLAR INC 149123101 6 200 SH DEFINED 200 0 0
CENDANT CORP CD 151313103 7 650 SH SOLE 0 0 650
CHASE MANHATTAN CORP 16161A10S 463 10036 SH SOLE 8575 0 1461
CHASE MANHATTAN CORP 16161A10S 7 153 SH DEFINED 153 0 0
CHASE MANHATTAN CORP 16161A108 287 6230 SH SOLE 6230 0 0
CHASE MANHATTAN CORP 16161A108 23 500 SH DEFINED 0 0 500
CHEVRON CORP 166751107 60 714 SH SOLE 714 0 0
CHEVRON CORP 166751107 68 800 SH DEFINED 800 0 0
CINERGY CORP 172474108 5 168 SH SOLE 168 0 0
CISCO SYSTEMS 17275R10S 326 5901 SH SOLE 4823 0 1078
CISCO SYSTEMS 17275R10S 8 150 SH DEFINED 150 0 0
CISCO SYSTEMS INC 17275R102 644 11660 SH SOLE 11660 0 0
CISCO SYSTEMS INC 17275R102 27 500 SH DEFINED 0 0 500
CITIGROUP INC COM 17296710S 563 10419 SH SOLE 8511 0 1908
CITIGROUP INC COM 17296710S 12 234 SH DEFINED 234 0 0
CITIGROUP INC COM 172967101 419 7759 SH SOLE 6762 0 997
CITIGROUP INC COM 172967101 14 266 SH DEFINED 266 0 0
CITIZENS COMMUNICATIONS CO COM 17453B101 28 2110 SH SOLE 400 0 1710
CLOROX COMPANY 189054109 93 2372 SH SOLE 1972 0 400
CLOROX COMPANY 189054109 25 640 SH DEFINED 340 0 300
COCA-COLA BOTTLING CO CONS COM 191098102 4 100 SH SOLE 100 0 0
COCA COLA COMPANY 191216100 176 3200 SH SOLE 3000 0 200
COCA COLA COMPANY 191216100 124 2256 SH DEFINED 2256 0 0
COLGATE-PALMOLIVE CO 194162103 89 1900 SH SOLE 1900 0 0
COLGATE-PALMOLIVE CO 194162103 94 2000 SH DEFINED 2000 0 0
COLUMBIA ENERGY GROUP 197648108 10 150 SH SOLE 150 0 0
COLUMBIA ENERGY GROUP 197648108 10 150 SH DEFINED 150 0 0
COMPAQ COMPUTER CORP 20449310S 412 14945 SH SOLE 11907 0 3038
COMPAQ COMPUTER CORP 20449310S 10 372 SH DEFINED 372 0 0
COMPAQ COMPUTER CORP 204493100 257 9350 SH SOLE 7950 0 1400
COMPAQ COMPUTER CORP 204493100 27 1000 SH DEFINED 1000 0 0
COMPUTER ASSOCIATES INTL INC 204912109 103 4100 SH SOLE 3500 0 600
COMPUTER ASSOCIATES INTL INC 204912109 49 1962 SH DEFINED 1962 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
CONEXANT SYSTEMS INC 207142100 558 13348 SH SOLE 11448 0 1900
CONEXANT SYSTEMS INC 207142100 299 7150 SH DEFINED 7150 0 0
CONOCO INC CL B 208251405 16 613 SH DEFINED 613 0 0
CONSECO INC 208464107 2 338 SH DEFINED 338 0 0
CONSOLIDATED EDISON INC 209115104 17 500 SH SOLE 500 0 0
CONSTELLATION ENERGY GROUP INC COM 210371100 19 390 SH SOLE 390 0 0
CONSTELLATION ENERGY GROUP INC COM 210371100 89 1800 SH DEFINED 1800 0 0
COOLSAVINGS COM INC COM 216485102 13 5000 SH SOLE 5000 0 0
CORN PRODUCTS INTERL I 219023108 2 100 SH SOLE 100 0 0
CORNING INC 219350105 29 100 SH SOLE 100 0 0
CORUS GROUP PLC SPONS ADR 22087M101 7 1000 SH SOLE 1000 0 0
CREDIT SUISSE ASSET MGMT INCOME FUND INC 224916106 13 2000 SH SOLE 2000 0 0
CRESENT REAL ESTATE EQUITIESCO 225756105 6 300 SH SOLE 300 0 0
CURTISS WRIGHT CORP COM 231561101 23 500 SH DEFINED 500 0 0
CYBERONICS INC COM 23251P102 2 100 SH SOLE 100 0 0
DQE INC 23329J104 250 6243 SH SOLE 6018 0 225
DQE INC 23329J104 200 5000 SH DEFINED 4700 0 300
DARDEN RESTAURANTS INC 237194105 10 500 SH SOLE 500 0 0
DEERE & COMPANY 244199105 121 3650 SH SOLE 3650 0 0
DELHAIZE AMERICA INC (B) 246688204 0 50 SH SOLE 50 0 0
DELL COMPUTER 247025109 149 4850 SH SOLE 4850 0 0
DELL COMPUTER 247025109 9 300 SH DEFINED 300 0 0
DELPHI AUTOMOTIVE SYSTEMS CORPORATION 247126105 68 4521 SH SOLE 4521 0 0
DELPHI AUTOMOTIVE SYSTEMS CORPORATION 247126105 18 1209 SH DEFINED 1209 0 0
DEVON ENERGY CORP 25179M103 3 63 SH SOLE 63 0 0
DIAL CORP 25247D101 77 6708 SH SOLE 6008 0 700
DIAL CORP 25247D101 2 200 SH DEFINED 100 0 100
THE WALT DISNEY CO 25468710S 159 4178 SH SOLE 2885 0 1293
THE WALT DISNEY CO 25468710S 6 161 SH DEFINED 161 0 0
DISNEY (WALT) COMPANY HLDG CO 254687106 524 13700 SH SOLE 11800 0 1900
DISNEY (WALT) COMPANY HLDG CO 254687106 84 2200 SH DEFINED 1600 0 600
DOMINION RESOURCES NEW 25746U109 29 500 SH SOLE 500 0 0
DOMINION RESOURCES NEW 25746U109 29 500 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
DONNELLEY (R.R) & SONS CO 257867101 14 600 SH SOLE 600 0 0
DOW CHEMICAL 260543103 25 1020 SH SOLE 1020 0 0
DU PONT (E.I.) DE NEMOUR 26353410S 183 4426 SH SOLE 3710 0 716
DU PONT (E.I.) DE NEMOUR 26353410S 3 82 SH DEFINED 82 0 0
DU PONT (E.I.) DE NEMOURS 263534109 24 600 SH SOLE 200 0 400
DU PONT (E.I.) DE NEMOURS 263534109 260 6292 SH DEFINED 6292 0 0
DUFF & PHELPS UTIL & CORP BD 26432K108 15 1256 SH SOLE 1256 0 0
DUN & BRADSTREET CORP-NEW 26483B106 194 5650 SH SOLE 5150 0 500
DUN & BRADSTREET CORP-NEW 26483B106 25 750 SH DEFINED 500 0 250
DYNEX CAP INC COM NEW 26817Q506 0 427 SH SOLE 427 0 0
EMC CORP/MASS 268648102 24 250 SH SOLE 250 0 0
ESB FINANCIAL CORP 26884F102 48 5057 SH SOLE 5057 0 0
EBAY INC 278642103 13 200 SH DEFINED 200 0 0
EDISON INTERNATIONAL 281020107 9 500 SH SOLE 500 0 0
EDWARDS LIFESCIENCE CORP 28176E108 19 910 SH SOLE 910 0 0
EDWARDS LIFESCIENCE CORP 28176E108 3 167 SH DEFINED 167 0 0
EGGHEAD COM INC NEW COM 282329101 0 56 SH SOLE 56 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 494 11904 SH SOLE 10572 0 1332
ELECTRONIC DATA SYSTEMS CORP 285661104 91 2200 SH DEFINED 2000 0 200
EMERGING MARKETS INCOME FD II 290920107 62 5148 SH SOLE 5148 0 0
EMERSON ELECTRIC CO 291011104 160 2400 SH SOLE 2400 0 0
EMERSON ELECTRIC CO 291011104 13 200 SH DEFINED 0 0 200
ENERGY EAST CORP 29266M109 3 150 SH SOLE 75 0 75
ENERGIZER HOLDINGS INC 29266R108 41 1688 SH SOLE 1688 0 0
ENRON CORP 293561106 473 5400 SH SOLE 5400 0 0
EQUITABLE RESOURCES INC 294549100 168 2654 SH SOLE 2654 0 0
EQUITABLE RESOURCES INC 294549100 38 601 SH DEFINED 601 0 0
EQUITY RESIDENTAL PPTYS SER E CONV PFD 7% 29476L883 26 1000 SH SOLE 1000 0 0
ERICSSON LM TEL CO ADR 294821400 53 3600 SH SOLE 1600 0 2000
EXXON MOBIL CORP 30231G102 5430 60939 SH SOLE 56739 0 4200
EXXON MOBIL CORP 30231G102 175 1964 SH DEFINED 1964 0 0
FMC CORPORATION 302491303 77 1155 SH SOLE 1155 0 0
FNB CORP 302520101 2 99 SH SOLE 99 0 0
FNB CORP 302520101 10 511 SH DEFINED 511 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
FPL GROUP INC 302571104 131 2000 SH DEFINED 2000 0 0
FEDERAL MOGUL CORP 313549107 1 200 SH SOLE 200 0 0
FANNIE MAE 313586109 990 13850 SH SOLE 13050 0 800
FANNIE MAE 313586109 228 3200 SH DEFINED 3200 0 0
FEDEX CORP COM 31428X106 7 160 SH DEFINED 160 0 0
FINOVA GROUP INC 317928109 2 400 SH SOLE 400 0 0
FIRST COMMONWEALTH FINL CORP 319829107 1128 116615 SH SOLE 100801 0 15814
FIRST COMMONWEALTH FINL CORP 319829107 336 34712 SH DEFINED 33092 0 1620
FIRST UNION CORP 337358105 90 2819 SH SOLE 2819 0 0
FIRST UNION CORP 337358105 63 1984 SH DEFINED 1984 0 0
FIRSTAR CORP WISC NEW 33763V109 105 4704 SH DEFINED 4704 0 0
FIRST ENGERY CORP 337932107 94 3519 SH SOLE 3070 0 449
FIRST ENGERY CORP 337932107 154 5719 SH DEFINED 5719 0 0
FLORIDA PROGRESS CORP 341109106 79 1500 SH SOLE 1500 0 0
FLUOR CORP 343861100 6 200 SH SOLE 200 0 0
FOOTSTAR INC 344912100 40 1266 SH DEFINED 1266 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 408 16154 SH SOLE 16054 0 100
FORD MTR CO DEL COM PAR $0.01 345370860 151 5991 SH DEFINED 5642 0 349
FORTUNE BRANDS INC 349631101 381 14400 SH SOLE 13200 0 1200
FORTUNE BRANDS INC 349631101 29 1125 SH DEFINED 1125 0 0
FRANCHISE FINANCIAL CORP OF AM 351807102 16 726 SH SOLE 726 0 0
GPU INC 36225X100 161 4979 SH SOLE 4353 0 626
GPU INC 36225X100 187 5767 SH DEFINED 5767 0 0
GABELLI GLOBAL MULTIMEDIA TRUST 36239Q109 3 285 SH SOLE 285 0 0
GABELLI EQUITY TRUST INC 362397101 36 3183 SH SOLE 3183 0 0
GABELLI UTILITY TRUST COMMON 36240A101 2 318 SH SOLE 318 0 0
GALLAHER GROUP PLC 363595109 325 14000 SH SOLE 12800 0 1200
GALLAHER GROUP PLC 363595109 28 1225 SH DEFINED 1225 0 0
GANNETT INC 364730101 275 5200 SH SOLE 5200 0 0
GANNETT INC 364730101 10 200 SH DEFINED 200 0 0
GARTNER GROUP INC NEW COM CLASS B 366651206 23 2132 SH SOLE 1846 0 286
GARTNER GROUP INC NEW COM CLASS B 366651206 2 260 SH DEFINED 260 0 0
GATEWAY INC 367626108 18 400 SH SOLE 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GENERAL CABLE CORP 369300108 10 1350 SH SOLE 1350 0 0
GENERAL ELECTRIC CO 369604103 4198 72790 SH SOLE 66090 0 6700
GENERAL ELECTRIC CO 369604103 415 7200 SH DEFINED 6600 0 600
GENERAL MILLS INC 370334104 86 2430 SH SOLE 2430 0 0
GENERAL MILLS INC 370334104 14 400 SH DEFINED 400 0 0
GENERAL MOTORS CORP 370442105 523 8055 SH SOLE 8055 0 0
GENERAL MOTORS CORP 370442105 104 1600 SH DEFINED 1600 0 0
GENERAL MOTORS CORP H 370442832 8 228 SH SOLE 228 0 0
GENUINE PARTS CO 372460105 14 750 SH SOLE 750 0 0
GENUINE PARTS CO 372460105 5 300 SH DEFINED 300 0 0
GEORGIA-PACIFIC CORP 373298108 9 400 SH DEFINED 400 0 0
GILLETTE COMPANY 37576610S 393 12752 SH SOLE 10456 0 2296
GILLETTE COMPANY 37576610S 6 223 SH DEFINED 223 0 0
GILLETTE COMPANY 375766102 190 6174 SH SOLE 5374 0 800
GILLETTE COMPANY 375766102 49 1600 SH DEFINED 1000 0 600
GLAXO WELLCOME PLC SPONSORED 37733W105 24 400 SH SOLE 400 0 0
GLAXO WELLCOME PLC SPONSORED 37733W105 24 400 SH DEFINED 400 0 0
GLOBAL MARINE INC 379352404 30 1000 SH SOLE 1000 0 0
GLOBAL TELESYSTEMS INC COM 37936U104 4 1000 SH SOLE 1000 0 0
H&Q LIFE SCIENCE INVESTORS 404053100 0 14 SH DEFINED 14 0 0
HRPT PPTYS TR 40426W101 8 1230 SH SOLE 1230 0 0
HALLIBURTON CO 406216101 18 375 SH SOLE 375 0 0
HALLIBURTON CO 406216101 19 400 SH DEFINED 400 0 0
JOHN HANCOCK BK & THRIFT FD 409735107 7 892 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 2 100 SH SOLE 100 0 0
HARLEY-DAVIDSON INC 412822108 9 200 SH DEFINED 200 0 0
HARTFORD FINL GRP INC COM 416515104 72 996 SH SOLE 996 0 0
HAWAIIAN ELECTRIC INDS 419870100 17 494 SH SOLE 494 0 0
HEALTH CARE PPTY INVS 421915109 14 500 SH SOLE 500 0 0
HEALTHCARE REALTY TRUST INC 421946104 18 880 SH SOLE 880 0 0
HEINZ H J CO COM 42307410S 492 13293 SH SOLE 10579 0 2714
HEINZ H J CO COM 42307410S 9 243 SH DEFINED 243 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
HEINZ (H.J.) CO 423074103 1877 50650 SH SOLE 48500 0 2150
HEINZ (H.J.) CO 423074103 74 2000 SH DEFINED 2000 0 0
HERSHEY FOODS CORP 427866108 119 2200 SH SOLE 2200 0 0
HERSHEY FOODS CORP 427866108 43 800 SH DEFINED 0 0 800
HEWLETT-PACKARD CO 428236103 135 1400 SH SOLE 1400 0 0
HEWLETT-PACKARD CO 428236103 38 400 SH DEFINED 0 0 400
HONEYWELL INTERNATIONAL INC 438516106 56 1580 SH SOLE 500 0 1080
HONEYWELL INTERNATIONAL INC 438516106 173 4868 SH DEFINED 4868 0 0
HOSPITALITY PPTYS TR COM SH BEN INT 44106M102 9 400 SH SOLE 400 0 0
HUBBELL INC -CL B 443510201 17 700 SH SOLE 700 0 0
HUBBELL INC -CL B 443510201 185 7420 SH DEFINED 7420 0 0
HYPERION 2002 TERM TRUST INC 448915108 39 4595 SH SOLE 0 0 4595
IMS HEALTH INC 449934108 300 14500 SH SOLE 12300 0 2200
IMS HEALTH INC 449934108 37 1800 SH DEFINED 1800 0 0
ITT INDUSTRIES INC 450911102 44 1358 SH SOLE 1258 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
IMMUNEX CORP NEW 452528102 15 350 SH SOLE 350 0 0
IMMUNEX CORP NEW 452528102 4 100 SH DEFINED 100 0 0
INCOME OPPORTUNITIES FD 2000 45333Q105 19 2000 SH SOLE 2000 0 0
INFONET SVCS CORP CL B 45666T106 3 300 SH SOLE 300 0 0
INFOSPACE.COM 45678T102 42 1400 SH SOLE 1200 0 200
INNKEEPERS USA TR COM 4576J0104 10 1000 SH SOLE 1000 0 0
INTEL CORP 45814010S 228 5496 SH SOLE 4386 0 1110
INTEL CORP 45814010S 6 152 SH DEFINED 152 0 0
INTEL CORP 458140100 3308 79608 SH SOLE 71208 0 8400
INTEL CORP 458140100 623 15000 SH DEFINED 12600 0 2400
INTL BUSINESS MACHINES CORP 45920010S 437 3892 SH SOLE 3257 0 635
INTL BUSINESS MACHINES CORP 45920010S 8 76 SH DEFINED 76 0 0
INTL BUSINESS MACHINES CORP 459200101 874 7771 SH SOLE 7241 0 530
INTL BUSINESS MACHINES CORP 459200101 213 1900 SH DEFINED 1400 0 500
INTERNATIONAL PAPER CO 460146103 23 810 SH DEFINED 810 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
INTERNET CAPITAL GROUP 46059C106 12 700 SH SOLE 300 0 400
INTERNET CAPITAL GROUP 46059C106 4 250 SH DEFINED 100 0 150
IPALCO ENTERPRISES INC 462613100 96 4200 SH SOLE 4200 0 0
JDS UNIPHASE CORP 46612J101 9 100 SH SOLE 100 0 0
JOHNSON & JOHNSON 47816010S 329 3503 SH SOLE 2816 0 687
JOHNSON & JOHNSON 47816010S 7 80 SH DEFINED 80 0 0
JOHNSON & JOHNSON 478160104 37 400 SH SOLE 400 0 0
JOHNSON & JOHNSON 478160104 65 700 SH DEFINED 700 0 0
KMART CORP 482584109 6 1100 SH SOLE 0 0 1100
KMART CORP 482584109 7 1300 SH DEFINED 1300 0 0
KELLOGG CO 487836108 4 200 SH SOLE 200 0 0
KERR-MCGEE CORP 492386107 5 81 SH SOLE 81 0 0
KEYCORP 493267108 32 1300 SH SOLE 1300 0 0
KEYSTONE FIN INC 493482103 42 1974 SH SOLE 1974 0 0
KIMBERLY-CLARK CORP 494368103 1010 18100 SH SOLE 16900 0 1200
KIMBERLY-CLARK CORP 494368103 230 4124 SH DEFINED 3924 0 200
KINDER MORGAN ENERGY 494550106 6 139 SH SOLE 139 0 0
KING PHARMACEUTICALS INC COM 495582108 3 112 SH SOLE 112 0 0
ESTEE LAUDER COMPANY CL A 518439104 7 200 SH SOLE 200 0 0
LEXINGTON CORP PPTYS TR COM 529043101 33 2975 SH SOLE 2975 0 0
LIBERTY ALL STAR EQUITY FUND 530158104 64 4915 SH SOLE 4915 0 0
LILLY (ELI) & CO 532457108 32 400 SH SOLE 400 0 0
LINCOLN NATIONAL CORP 534187109 663 13780 SH SOLE 13780 0 0
LOCKHEED MARTIN 539830109 191 5800 SH DEFINED 5800 0 0
LUBRIZOL CORP 549271104 7 400 SH SOLE 0 0 400
LUCENT TECHNOLOGIES INC 54946310S 293 9617 SH SOLE 8360 0 1257
LUCENT TECHNOLOGIES INC 54946310S 3 106 SH DEFINED 106 0 0
LUCENT TECHNOLOGIES INC 549463107 2283 74726 SH SOLE 68951 0 5775
LUCENT TECHNOLOGIES INC 549463107 323 10582 SH DEFINED 7834 0 2748
LYONDELL CHEMICAL COMPANY 552078107 47 4000 SH DEFINED 4000 0 0
MBNA CORP 55262L100 12 337 SH SOLE 337 0 0
MFS CHARTER INCOME TRUST 552727109 8 1000 SH SOLE 0 0 1000
MACK CALI RLTY CORP COM 554489104 11 400 SH SOLE 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MANAGED MUNI PORTFOLIO INC 561662107 26 2726 SOLE 2726 0 0
MATTEL INC 577081102 7 697 SH SOLE 697 0 0
MAY DEPARTMENT STORES CO 577778103 78 3834 SH SOLE 3834 0 0
MAY DEPARTMENT STORES CO 577778103 94 4587 SH DEFINED 4587 0 0
MAYTAG CORP 57859210S 110 3573 SH SOLE 2533 0 1040
MAYTAG CORP 57859210S 4 134 SH DEFINED 134 0 0
MAYTAG CORP 578592107 6 200 SH SOLE 200 0 0
MCDONALD'S CORP 580135101 223 7400 SH SOLE 4600 0 2800
MCDONALD'S CORP 580135101 122 4052 SH DEFINED 3252 0 800
MCKESSON HBOC INC 58155Q103 220 7200 SH SOLE 7200 0 0
MCKESSON HBOC INC 58155Q103 12 400 SH DEFINED 200 0 200
MELLON FINANCIAL CORP 58551A10S 230 4980 SH SOLE 3905 0 1075
MELLON FINANCIAL CORP 58551A108 488 10527 SH SOLE 10527 0 0
MELLON FINANCIAL CORP 58551A108 184 3984 SH DEFINED 3984 0 0
MERCK & CO., INC 589331107 1776 23873 SH SOLE 22603 0 1270
MERCK & CO., INC 589331107 29 400 SH DEFINED 400 0 0
MERCURY INTERACTIVE CORP 589405109 3 25 SH SOLE 25 0 0
METROMEDIA FIBER NETWORK INC CLASS A 591689104 9 400 SH SOLE 0 0 400
MICROSOFT CORP 59491810S 399 6618 SH SOLE 5756 0 862
MICROSOFT CORP 59491810S 4 78 SH DEFINED 78 0 0
MICROSOFT CORP 594918104 2249 37303 SH SOLE 33403 0 3900
MICROSOFT CORP 594918104 183 3050 SH DEFINED 1250 0 1800
MILLS CORP 601148109 9 500 SH SOLE 500 0 0
MINNESOTA MINING & MFG CO 604059105 31 344 SH SOLE 344 0 0
MITEL CORP 606711109 2 100 SH SOLE 100 0 0
THE MONY GROUP INC 615337102 4 111 SH SOLE 111 0 0
THE MONY GROUP INC 615337102 0 18 SH DEFINED 18 0 0
J P MORGAN & COMPANY 616880100 21 130 SH SOLE 130 0 0
MORGAN STANLEY DEAN WITTER 617446448 167 1828 SH SOLE 1828 0 0
MORGAN STANLEY DEAN WITTER 617446448 57 632 SH DEFINED 632 0 0
MORGAN STANLEY DEAN WITTER GOVT INCOME TR 61745P106 8 1000 SH SOLE 1000 0 0
MOTOROLA INC 62007610S 199 7068 SH SOLE 5250 0 1818
MOTOROLA INC 62007610S 3 111 SH DEFINED 111 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MOTOROLA INC 620076109 487 17271 SH SOLE 15171 0 2100
MOTOROLA INC 620076109 48 1700 SH DEFINED 500 0 1200
MUNIYIELD PENN FD INC 62630V109 81 6645 SH SOLE 6645 0 0
NCR CORP 62886E108 7 186 SH SOLE 171 0 15
NCR CORP 62886E108 3 104 SH DEFINED 104 0 0
NABISCO GROUP HOLDING GROUP 62952P102 14 500 SH SOLE 400 0 100
NABISCO GROUP HOLDING GROUP 62952P102 5 200 SH DEFINED 100 0 100
NACCO INDUSTRIES -CL A 629579103 12 300 SH SOLE 300 0 0
NATIONAL CITY CORP 635405103 5254 237546 SH SOLE 237546 0 0
NATIONAL CITY CORP 635405103 93 4224 SH DEFINED 4224 0 0
NATIONAL FUEL GAS CO 636180101 688 12279 SH SOLE 12279 0 0
NATIONAL FUEL GAS CO 636180101 22 400 SH DEFINED 0 0 400
NEW PLAN EXCEL REALTY TR INC COM 648053106 16 1200 SH SOLE 1200 0 0
NEWELL RUBBERMAID INC 651229106 294 12908 SH SOLE 12908 0 0
NEWELL RUBBERMAID INC 651229106 45 2000 SH DEFINED 2000 0 0
NEWMONT MINING CORP 651639106 2 119 SH SOLE 119 0 0
NOKIA CORPORATION ADR "A" 654902204 7 200 SH SOLE 0 0 200
NORFOLK SOUTHERN CORP 655844108 38 2658 SH SOLE 300 0 2358
NORTEL NETWORKS CORP NEW 65656810S 266 4467 SH SOLE 3568 0 899
NORTEL NETWORKS CORP NEW 65656810S 4 74 SH DEFINED 74 0 0
NORTEL NETWORKS CORP NEW 656568102 470 7900 SH SOLE 4400 0 3500
NORTEL NETWORKS CORP NEW 656568102 11 200 SH DEFINED 200 0 0
NORTH FORK BANCORPORATION INC 659424105 9 450 SH SOLE 450 0 0
NORTHWEST BANCORP PA 667328108 6 800 SH DEFINED 800 0 0
NORTHWESTERN CORP 668074107 10 536 SH SOLE 536 0 0
NUVEEN PREMIUM INC MUNI FUND 6706K4105 14 1200 SOLE 1200 0 0
NUVEEN PENN PREMIUM INC 2 67061F101 71 5742 SOLE 5742 0 0
NUVEEN PENN PREMIUM INC 2 67061F101 9 797 DEFINED 797 0 0
NUVEEN MUNI ADVANTAGE FUND 67062H106 9 745 SOLE 745 0 0
OGE ENERGY CORP 670837103 100 4734 SH SOLE 4734 0 0
NUVEEN MUNI VALUE FUND 670928100 9 1063 SOLE 1063 0 0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC 670972108 80 5641 SOLE 5641 0 0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC 670972108 60 4234 DEFINED 4234 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
NUVEEN SELECT QUALITY MUN FDCOM 670973106 9 713 DEFINED 713 0 0
NUVEEN QUALITY MUNI FUND 670977107 40 3000 SOLE 3000 0 0
OGDEN CORP 676346109 27 2000 SH SOLE 2000 0 0
OLD REPUBLIC INTERNATIONAL CORP 680223104 115 4800 SH SOLE 4800 0 0
OMEGA FINANCIAL CORP 682092101 54 1800 SH SOLE 1800 0 0
ORACLE CORP 68389X105 63 800 SH DEFINED 0 0 800
PECO ENERGY CO 693304107 44 730 SH SOLE 530 0 200
PECO ENERGY CO 693304107 350 5789 SH DEFINED 5789 0 0
PNC BANK CORP 693475105 932 14339 SH SOLE 11714 0 2625
PNC BANK CORP 693475105 201 3100 SH DEFINED 3100 0 0
PPG INDUSTRIES INC 693506107 379 9575 SH SOLE 9575 0 0
PPG INDUSTRIES INC 693506107 50 1280 SH DEFINED 1280 0 0
PPL CORP COM 69351T106 16 400 SH SOLE 400 0 0
PPL CORP COM 69351T106 47 1137 SH DEFINED 1137 0 0
PACTIV CORPORATION 695257105 3 292 SH SOLE 292 0 0
PACTIV CORPORATION 695257105 5 500 SH DEFINED 500 0 0
PALM INC COM 696642107 23 444 SH DEFINED 0 0 444
PARAMETRIC TECHNOLOGY CORP 699173100 2 200 SH SOLE 200 0 0
PAYLESS SHOESOURCE INC 704379106 16 297 SH DEFINED 297 0 0
PENN TRAFFIC CO NEW 707832200 0 30 SH SOLE 20 0 10
PENN TRAFFIC CO NEW 707832200 0 11 SH DEFINED 11 0 0
PENNEY (J.C.) CO 708160106 2 220 SH SOLE 220 0 0
PENNEY (J.C.) CO 708160106 52 4412 SH DEFINED 4412 0 0
PENNROCK FINAN SERVICES CORP 708352109 13 900 SH SOLE 0 0 900
PENNZOIL QUAKER ST CO 709323109 20 1944 SH SOLE 1944 0 0
PENNZOIL QUAKER ST CO 709323109 4 410 SH DEFINED 410 0 0
PEP BOYS MANNY MOE & JACK 713278109 1 300 SH DEFINED 300 0 0
PEPSICO INC 713448108 860 18700 SH SOLE 17300 0 1400
PEPSICO INC 713448108 280 6100 SH DEFINED 4200 0 1900
PFIZER INC 71708110S 150 3343 SH SOLE 2300 0 1043
PFIZER INC 71708110S 7 161 SH DEFINED 161 0 0
PFIZER INC 717081103 5354 119170 SH SOLE 106145 0 13025
PFIZER INC 717081103 526 11723 SH DEFINED 7636 0 4087
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PHILLIP MORRIS COMPANIES INC 718154107 71 2430 SH SOLE 930 0 1500
PHILLIPS PETROLEUM CO 718507106 24 393 SH SOLE 393 0 0
PHILLIPS PETROLEUM CO 718507106 16 257 SH DEFINED 257 0 0
PILGRIM PRIME RATE TRUST NEW SH BEN INT 72146W103 37 4299 SH SOLE 4299 0 0
POLYVISION CORP COM 731805107 0 4 SH SOLE 4 0 0
POTOMAC ELECTRIC POWER 737679100 400 15890 SH SOLE 15290 0 600
POTOMAC ELECTRIC POWER 737679100 55 2200 SH DEFINED 1800 0 400
PROCTOR & GAMBLE CO 742718109 595 8888 SH SOLE 8888 0 0
PROCTOR & GAMBLE CO 742718109 120 1800 SH DEFINED 1000 0 800
PROSPECT STREET HI INC FUND 743586406 3 592 SH SOLE 592 0 0
PROVIDIAN FINANCIAL CORP 74406A102 57 450 SH SOLE 450 0 0
PUBLIC SERVICE ENTERPRISE GP 744573106 265 5940 SH SOLE 5940 0 0
PUBLIC SERVICE ENTERPRISE GP 744573106 17 400 SH DEFINED 400 0 0
PUTNAM MASTER INCOME TRUST 74683K104 26 4000 SH SOLE 4000 0 0
PUTNAM MASTER INTER INCOME TR 746909100 7 1129 SH SOLE 1129 0 0
PUTNAM MASTER INTER INCOME TR 746909100 3 500 SH DEFINED 500 0 0
QLOGIC CORP 747277101 17 200 SH SOLE 200 0 0
QUAKER OATS CO 747402105 122 1550 SH SOLE 1550 0 0
QUALCOMM INCORPORATED 747525103 21 300 SH SOLE 100 0 200
R&B FALCON CORPORATION 74912E101 69 2500 SH SOLE 2500 0 0
R&B FALCON CORPORATION 74912E101 12 440 SH DEFINED 0 0 440
QWEST COMMUNICATIONS INTL 74912110S 305 6353 SH SOLE 5121 0 1232
QWEST COMMUNICATIONS INTL 74912110S 8 176 SH DEFINED 176 0 0
QWEST COMMUN INTL 749121109 873 18171 SH SOLE 16202 0 1969
QWEST COMMUN INTL 749121109 156 3248 SH DEFINED 2424 0 824
RCN CORPORATION 749361101 8 400 SH SOLE 100 0 300
RFS HOTEL INVS INC COM 74955J108 12 1000 SH SOLE 1000 0 0
RGS ENERGY GROUP INC 74956K104 7 262 SH SOLE 262 0 0
RALCORP HOLDINGS INC NEW 751028101 6 466 SH SOLE 466 0 0
RALSTON PURINA GROUP 751277302 120 5072 SH SOLE 5072 0 0
RAYONIER INC 754907103 4 125 SH SOLE 125 0 0
RAYTHEON CO 755111309 2 99 SH SOLE 99 0 0
RAYTHEON CO 755111309 2 78 SH DEFINED 78 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
RAYTHEON CO CL B 755111408 54 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 17 500 SH DEFINED 400 0 100
REGIONS FINANCIAL CORP 758940100 5 226 SH DEFINED 226 0 0
RELIANT ENERGY INC 75952J108 46 1000 SH SOLE 1000 0 0
REMEDY CORPORATION 759548100 1 100 SH SOLE 100 0 0
REYNOLDS RJ TOBACCO HOLDINGS INC 76182K105 0 15 SH SOLE 15 0 0
RITE AID CORP 767754104 4 1200 SH SOLE 800 0 400
RITE AID CORP 767754104 1 300 SH DEFINED 200 0 100
ROADWAY EXPRESS INC DEL COM 769742107 0 50 SH DEFINED 50 0 0
ROCKWELL INTL CORP 773903109 435 14404 SH SOLE 12504 0 1900
ROCKWELL INTL CORP 773903109 265 8763 SH DEFINED 8763 0 0
ROHM & HAAS CO 775371107 10 368 SH SOLE 368 0 0
ROYAL DUTCH PETE 780257804 31 520 SH SOLE 520 0 0
ROYAL DUTCH PETE 780257804 59 1000 SH DEFINED 800 0 200
S&T BANCORP INC 783859101 52254 2750219 SH SOLE 2707262 0 42957
S&T BANCORP INC 783859101 7060 371583 SH DEFINED 365443 0 6140
SBC COMMUNICATIONS 78387G10S 367 7342 SH SOLE 5997 0 1345
SBC COMMUNICATIONS 78387G10S 6 127 SH DEFINED 127 0 0
SBC COMMUNICATIONS INC 78387G103 3657 73154 SH SOLE 68849 0 4305
SBC COMMUNICATIONS INC 78387G103 248 4960 SH DEFINED 3202 0 1758
ST PAUL COMPANIES 792860108 88 1804 SH SOLE 1804 0 0
SANTA FE ENERGY TR-UTS 802013102 28 1400 SH SOLE 1400 0 0
SARA LEE CORP 803111103 386 19045 SH SOLE 18445 0 600
SARA LEE CORP 803111103 264 13000 SH DEFINED 13000 0 0
SCHERING-PLOUGH CORP 806605101 776 16700 SH SOLE 16700 0 0
SCHERING-PLOUGH CORP 806605101 55 1200 SH DEFINED 0 0 1200
SCHLUMBERGER LTD 80685710S 246 3000 SH SOLE 2206 0 794
SCHLUMBERGER LTD 80685710S 7 91 SH DEFINED 91 0 0
SCHLUMBERGER LTD 806857108 98 1200 SH SOLE 700 0 500
SCHLUMBERGER LTD 806857108 203 2475 SH DEFINED 2225 0 250
CHARLES SCHWAB CORPORATION 808513105 58 1650 SH SOLE 1350 0 300
SCOTT TECHNOLOGIES INC COM 810022301 265 15000 SH SOLE 15000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SEARS, ROEBUCK AND CO 812387108 39 1209 SH SOLE 1209 0 0
SEARS, ROEBUCK AND CO 812387108 13 428 SH DEFINED 428 0 0
SENIOR HOUSING PROPERTIES TRUST 81721M109 1 123 SH SOLE 123 0 0
SERVICEMASTER CO 81760N109 37 3795 SH SOLE 3795 0 0
SHERWIN-WILLIAMS CO 824348106 2 120 SH SOLE 120 0 0
SKY FINANCIAL GROUP 83080P103 33 1881 SH SOLE 1881 0 0
SKY FINANCIAL GROUP 83080P103 43 2478 SH DEFINED 2478 0 0
SMITHKLINE BEECHAM 832378301 110 1614 SH DEFINED 1614 0 0
SOUTH JERSEY INDUSTRIES 838518108 0 20 SH SOLE 20 0 0
SOUTHERN CO 842587107 78 2412 SH SOLE 2412 0 0
SOVRAN SELF STORAGE INC COM 84610H108 16 800 SH SOLE 800 0 0
SPRINT CORP 852061100 78 2666 SH SOLE 2666 0 0
SPRINT CORP (PCS GROUP) 852061506 49 1400 SH SOLE 1400 0 0
STARBUCKS CORPORATION 855244109 21 536 SH SOLE 536 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 25 823 SH SOLE 823 0 0
STATEN ISLAND BANCORP 857550107 4 200 SH DEFINED 200 0 0
STORAGE USA INC COM 861907103 6 200 SH SOLE 200 0 0
STORAGE TECHNOLOGY CORP NEW 862111200 1 100 SH SOLE 100 0 0
SUMMIT BANCORP 866005101 288 8352 SH SOLE 8352 0 0
SUMMIT BANCORP 866005101 65 1900 SH DEFINED 1900 0 0
SUN LIFE FINANCIAL 866796105 76 3720 SH SOLE 3720 0 0
SUN MICROSYSTEMS 866810104 40 350 SH SOLE 350 0 0
SUN MICROSYSTEMS 866810104 58 500 SH DEFINED 500 0 0
SUNBEAM CORP 867071102 3 2850 SH SOLE 2200 0 650
SUNBEAM CORP 867071102 0 400 SH DEFINED 400 0 0
SUNOCO INC 86764P109 5 220 SH SOLE 220 0 0
SYNAVANT INC COM 87157A105 4 725 SH SOLE 615 0 110
SYNAVANT INC COM 87157A105 0 90 SH DEFINED 90 0 0
TECO ENERGY INC 872375100 296 10300 SH SOLE 10300 0 0
TECO ENERGY INC 872375100 11 400 SH DEFINED 0 0 400
TXU CORP COM 873168108 7 200 SH SOLE 200 0 0
TXU CORP COM 873168108 19 500 SH DEFINED 500 0 0
TELEFONIOS DE MEXICO SP ADR 879403400 2 1000 SH SOLE 1000 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TELESCAN INC 879516102 0 300 SH SOLE 300 0 0
TEMPLETON GLOBAL INCOME FUND 880198106 5 844 SH SOLE 844 0 0
TENNECO AUTOMOTIVE INC 880349105 1 333 SH SOLE 333 0 0
TENNECO AUTOMOTIVE INC 880349105 0 120 SH DEFINED 110 0 10
TEXACO INC 881694103 197 3760 SH SOLE 3260 0 500
TEXACO INC 881694103 39 750 SH DEFINED 400 0 350
THREE RIVS BANCORP INC COM 88562Q107 0 114 SH SOLE 114 0 0
TIME-WARNER INC 887315109 15 200 SH SOLE 200 0 0
TIME-WARNER INC 887315109 39 500 SH DEFINED 0 0 500
TRICON GLOBAL RESTAURANT INC 895953107 48 1590 SH SOLE 1520 0 70
TRICON GLOBAL RESTAURANT INC 895953107 3 100 SH DEFINED 100 0 0
TRINITY INDS INC COM 896522109 23 1000 SH DEFINED 1000 0 0
II-VI INC 902104108 37 2000 SH SOLE 0 0 2000
TYCO INTERNATIONAL LTD 902124106 167 3228 SH SOLE 2628 0 600
UGI CORP 902681105 18 775 SH SOLE 775 0 0
USX-MARATHON GROUP 902905827 58 2047 SH SOLE 2047 0 0
US BANCORP 902973106 68 2994 SH DEFINED 2994 0 0
USX-US STEEL GROUP INC 90337T101 6 419 SH SOLE 419 0 0
UNILEVER NV NY SHARE F NEW 90478470S 458 9505 SH SOLE 7898 0 1607
UNILEVER NV NY SHARE F NEW 90478470S 6 127 SH DEFINED 127 0 0
UNILEVER NV NY SHARE F NEW 904784709 269 5576 SH SOLE 5287 0 289
UNILEVER NV NY SHARE F NEW 904784709 53 1100 SH DEFINED 0 0 1100
UNION CARBIDE SORP HLDG CO 905581104 2 60 SH SOLE 60 0 0
UNION PACIFIC CORP 907818108 190 4900 SH SOLE 4300 0 600
UNION PACIFIC CORP 907818108 194 5000 SH DEFINED 4600 0 400
UNITED DOMINION INDUSTRIES LTD 909914103 11 500 SH SOLE 0 0 500
UNUMPROVIDENT CORP 91529Y106 16 600 SH DEFINED 600 0 0
USBANCORP INC-PA 917292104 0 228 SH SOLE 228 0 0
VAN KAMPEN INTERMEDIATE TERM HIGH INC TRUST 920911104 2 600 SH SOLE 600 0 0
VAM KAMPEN PENNA QUALITY MUNICIPAL TRUST 920924107 53 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 MUNI 920934106 20 1400 SOLE 1400 0 0
VAN KAMPEN STRATEGIC SECTOR MUNICIPAL TRUST 920943107 3 335 SOLE 167 0 168
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
VAN KAMPEN SR INCOME TR COM 920961109 17 2000 SH SOLE 2000 0 0
VERIZON COMMUNICATIONS COM 92343V104 4540 93749 SH SOLE 85931 0 7818
VERIZON COMMUNICATIONS COM 92343V104 584 12065 SH DEFINED 10470 0 1595
VIAD CORP 92552R109 164 6208 SH SOLE 6008 0 200
VIAD CORP 92552R109 2 100 SH DEFINED 100 0 0
VIACOM CL B 925524308 674 11538 SH SOLE 10887 0 651
VIACOM CL B 925524308 47 804 SH DEFINED 696 0 108
VISTEON CORP COM 92839U107 22 1477 SH SOLE 1464 0 13
VISTEON CORP COM 92839U107 7 468 SH DEFINED 442 0 26
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 473 12790 SH SOLE 12550 0 240
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 37 1020 SH DEFINED 1020 0 0
VOICESTREAM WIRELESS CORP 928615103 9 82 SH SOLE 82 0 0
WPS RESOURCES CORP 92931B106 124 3800 SH SOLE 3800 0 0
WAL-MART STORES INC 931142103 120 2500 SH SOLE 2500 0 0
WAL-MART STORES INC 931142103 48 1000 SH DEFINED 900 0 100
WALGREEN CO 931422109 30 800 SH SOLE 800 0 0
WALGREEN CO 931422109 151 4000 SH DEFINED 0 0 4000
WASTE MANAGEMENT INC NEW 94106L109 93 5349 SH SOLE 4949 0 400
WEIDER NUTRITION "A" 948603105 5 1000 SH SOLE 1000 0 0
WELLS FARGO & CO NEW 949746101 6 150 SH SOLE 150 0 0
WEYERHAUSER 962166104 40 1000 SH DEFINED 1000 0 0
WILD OATS MARKETS INC 96808B107 6 575 SH SOLE 575 0 0
WILLIAMS COS INC 969457100 38 912 SH SOLE 912 0 0
WINN-DIXIE STORES INC 974280109 6 460 SH SOLE 460 0 0
WORLDCOM INC GA NEW 98157D10S 368 12125 SH SOLE 10606 0 1519
WORLDCOM INC GA NEW 98157D10S 3 129 SH DEFINED 129 0 0
WORLDCOM INC GA NEW 98157D106 610 20101 SH SOLE 16576 0 3525
WORLDCOM INC GA NEW 98157D106 170 5625 SH DEFINED 3325 0 2300
WORTHINGTON INDUSTRIES 981811102 111 11900 SH SOLE 10800 0 1100
WORTHINGTON INDUSTRIES 981811102 12 1300 SH DEFINED 1100 0 200
XCEL ENERGY INC COM 98389B100 4 155 SH SOLE 155 0 0
YORK INTERNATIONAL CORP 986670107 37 1500 SH SOLE 0 0 1500
ZWEIG TOTAL RETURN FUND INC 989837109 20 3000 SH SOLE 3000 0 0
GRAND TOTALS 175309 6295327 5921254 0 374073
</TABLE>