S&T BANK/PA
13F-HR, 2000-10-13
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C.  20549

FORM 13F

FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:  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


<TABLE>


<S>                            <C>              <C>       <C>      <C>      <C> <C>  <C>     <C>          <C>      <C>      <C>

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

GLOBAL CROSSINGS LTD                            G3921A100        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>


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