UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 31, 1999
Check here if Amendment [ ]: Amendment Number:
This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: S & T Bank
Address: 800 Philadelphia Street
Indiana, PA 15701
13F File Number: 28-0001010911
The institutional investment manager filing this report and the
person by whom it is signed hereby represent that the person signing
the report is authorized to submit it, that all information contained
herein is true, correct and complete, and that it is understood that
all required items, statements, schedules,lists, and tables, are
considered integral parts of this form.
Person Signing this Report on Behalf of Reporting Manager:
Name: Lisa K. Wymer
Title: Assistant Vice President
Phone: 724-465-1410
Signature, Place, and Date of Signing:
Lisa K. Wymer Indiana, PA July 19, 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: 630
Form 13F Information Table Value Total: $175,595 (thousands)
List of Other Included Managers:
No. 13F File Number Name
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FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GLOBAL CROSSINGS LTD G3921A100 7 300 SH SOLE 0 0 300
LORAL SPACE & COMMUNICATIONS G56462107 60 8700 SH SOLE 7700 0 1000
LORAL SPACE & COMMUNICATIONS G56462107 14 2100 SH DEFINED 900 0 1200
TRANSOCEAN SEDCO FOREX INC G9007810S 20 380 SH SOLE 210 0 170
TRANSOCEAN SEDCO FOREX INC G9007810S 0 17 SH DEFINED 17 0 0
TRANSOCEAN SEDCO FOREX INC G90078109 13 248 SH SOLE 153 0 95
TRANSOCEAN SEDCO FOREX INC G90078109 27 510 SH DEFINED 462 0 48
ACM GOVERNMENT INCOME FUND 000912105 25 3600 SH SOLE 1600 0 2000
AGL RESOURCES INC 001204106 113 7100 SH SOLE 6700 0 400
AGL RESOURCES INC 001204106 13 850 SH DEFINED 800 0 50
AK STL HOLDING CORP 001547108 3 382 SH SOLE 382 0 0
AT&T CORP 00195710S 248 7852 SH SOLE 6330 0 1522
AT&T CORP 00195710S 5 159 SH DEFINED 159 0 0
AT&T CORP 001957109 2206 69789 SH SOLE 65028 0 4761
AT&T CORP 001957109 301 9522 SH DEFINED 7472 0 2050
AT&T WIRELESS GROUP 001957406 72 2600 SH SOLE 2600 0 0
AXA FINANCIAL INC 002451102 7 232 SH SOLE 232 0 0
ABBOTT LABORATORIES 002824100 723 16240 SH SOLE 10240 0 6000
ABBOTT LABORATORIES 002824100 106 2400 SH DEFINED 2000 0 400
ADAPTIVE BROADBAND CORP 00650M104 29 800 SH SOLE 800 0 0
ADAPTIVE BROADBAND CORP 00650M104 7 200 SH DEFINED 200 0 0
ADVANCED TECHNICAL PRODUCTS 007548100 3 1000 SH SOLE 1000 0 0
ADV MICRO DEVICES INC 007903107 38 500 SH SOLE 500 0 0
ADV MICRO DEVICES INC 007903107 23 300 SH DEFINED 300 0 0
AEGON NV 007924103 24 692 SH SOLE 692 0 0
AETNA INC 008117103 88 1385 SH DEFINED 1385 0 0
AGILENT TECHNOLOGIES INC 00846U101 39 532 SH SOLE 532 0 0
AGILENT TECHNOLOGIES INC 00846U101 11 152 SH DEFINED 0 0 152
ALBERTSON'S INC 013104104 113 3400 SH SOLE 3100 0 300
ALBERTSON'S INC 013104104 56 1700 SH DEFINED 1100 0 600
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ALCOA INC 013817101 162 5600 SH SOLE 5600 0 0
ALLEGHENY POWER SYSTEM 017361106 92 3372 SH SOLE 3372 0 0
ALLEGHENY POWER SYSTEM 017361106 21 800 SH DEFINED 800 0 0
ALLERGAN INC 018490102 14 200 SH DEFINED 200 0 0
ALLIANCE CAPITAL MGMT HOLDING LP UNIT LTD PARTNE01855A101 66 1400 SH SOLE 1400 0 0
ALLIANT CORP 018802108 5 228 SH SOLE 228 0 0
ALLIED IRISH BANKS PLC ADR 019228402 33 1872 SH SOLE 1872 0 0
ALLIED WASTE INDUSTRIES INC 019589308 10 1000 SH SOLE 1000 0 0
ALLIED WASTE INDUSTRIES INC 019589308 20 2000 SH DEFINED 0 0 2000
ALLMERICA FINANCIAL CORP 019754100 5 100 SH SOLE 100 0 0
ALLMERICA SECURITIES TRUST SBI 019921105 57 6000 SH SOLE 6000 0 0
ALLSTATE CORP 020002101 53 2388 SH SOLE 2388 0 0
ALLSTATE CORP 020002101 12 556 SH DEFINED 556 0 0
ALLTEL CORP 020039103 435 7028 SH SOLE 6670 0 358
AMEREN CORP 023608102 172 5116 SH SOLE 5116 0 0
AMERICA ONLINE INC 02364J10S 248 4719 SH SOLE 3750 0 969
AMERICA ONLINE INC 02364J10S 4 86 SH DEFINED 86 0 0
AMERICA ONLINE INC 02364J104 314 5965 SH SOLE 5350 0 615
AMERICA ONLINE INC 02364J104 31 600 SH DEFINED 0 0 600
AMERICAN ELECTRIC POWER 025537101 12 419 SH SOLE 419 0 0
AMERICAN GENERAL CORP 026351106 131 2160 SH SOLE 2160 0 0
AMERICAN HOME PRODUCTS CORP 026609107 1839 31304 SH SOLE 31304 0 0
AMERICAN HOME PRODUCTS CORP 026609107 252 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 45 384 SH SOLE 384 0 0
AMERICAN WATER WORKS INC 030411102 165 6600 SH SOLE 6600 0 0
AMERICAN WATER WORKS INC 030411102 10 400 SH DEFINED 0 0 400
AMERIGAS PARTNERS L.P 030975106 16 1000 SH SOLE 1000 0 0
AMERIGAS PARTNERS L.P 030975106 33 2000 SH DEFINED 2000 0 0
AMETEK NEW 031100100 22 1300 SH SOLE 1300 0 0
AMGEN INC 031162100 105 1500 SH SOLE 1500 0 0
AMSOUTH BANCORPORATION COM 032165102 7 500 SH SOLE 500 0 0
ANIXTER INTERNATIONAL 035290105 7 300 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ASIA PACIFIC FUND 044901106 5 532 SH SOLE 532 0 0
ASSET INVESTORS CORPORATION 04541W107 2 200 SH SOLE 200 0 0
ASSOCIATES 1ST CAP CORP CL A 046008108 123 5542 SH SOLE 5542 0 0
ASSOCIATES 1ST CAP CORP CL A 046008108 24 1098 SH DEFINED 1046 0 52
AUTOLIV INC 052800109 8 341 SH SOLE 341 0 0
AUTOMATIC DATA PROCESSING 053015103 21 400 SH SOLE 400 0 0
AVON PRODUCTS INC 054303102 129 2916 SH SOLE 400 0 2516
BB&T CORPORATION 054937107 11 500 SH DEFINED 500 0 0
BPAMOCO PLC SPONSORED ADR 05562210S 283 5016 SH SOLE 3706 0 1310
BPAMOCO PLC SPONSORED ADR 05562210S 8 153 SH DEFINED 153 0 0
BP AMOCO PLC SPONSORED ADR 055622104 1313 23220 SH SOLE 23220 0 0
BP AMOCO PLC SPONSORED ADR 055622104 18 328 SH DEFINED 328 0 0
BT FINANCIAL CORP 055763106 146 8477 SH SOLE 8477 0 0
BAKER HUGHES INC 057224107 12 400 SH SOLE 400 0 0
BAKER HUGHES INC 057224107 24 760 SH DEFINED 760 0 0
BANK OF AMERICA CORP 06050510S 327 7607 SH SOLE 6259 0 1348
BANK OF AMERICA CORP 06050510S 5 133 SH DEFINED 133 0 0
BANK OF AMERICA CORP 060505104 291 6784 SH SOLE 5380 0 1404
BANK OF AMERICA CORP 060505104 64 1500 SH DEFINED 0 0 1500
BANK ONE CORP 06423A10S 226 8523 SH SOLE 6565 0 1958
BANK ONE CORP 06423A10S 4 161 SH DEFINED 161 0 0
BANK ONE CORP 06423A103 341 12867 SH SOLE 11934 0 933
BANK ONE CORP 06423A103 839 31606 SH DEFINED 2912 0 28694
BARNES GROUP INC 067806109 10 639 SH SOLE 639 0 0
BAXTER INTERNATIONAL INC 071813109 316 4500 SH SOLE 4500 0 0
BAXTER INTERNATIONAL INC 071813109 58 838 SH DEFINED 838 0 0
BECTON DICKINSON & CO 075887109 499 17400 SH SOLE 17300 0 100
BECTON DICKINSON & CO 075887109 94 3300 SH DEFINED 3300 0 0
BEDFORD PPTY INVS INC COM PAR $0.02 076446301 9 500 SH SOLE 500 0 0
BELL ATLANTIC CORP 077853109 3549 69868 SH SOLE 64423 0 5445
BELL ATLANTIC CORP 077853109 365 7194 SH DEFINED 4614 0 2580
BELLSOUTH CORP 079860102 3183 74697 SH SOLE 65480 0 9217
BELLSOUTH CORP 079860102 460 10796 SH DEFINED 6984 0 3812
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
BERGEN BRUNSWIG CORP 083739102 6 1120 SH DEFINED 1120 0 0
BESTFOODS 08658U101 55 800 SH SOLE 800 0 0
BETHLEHEM STEEL (BS ) $2.5000 087509402 9 500 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 12 1333 SH SOLE 0 0 1333
BLACKROCK TARGET TERM TRUST 092476100 19 2000 SH SOLE 0 0 2000
BLACKROCK 2001 TERM TRUST 092477108 1273 139600 SH SOLE 128700 0 10900
BLACKROCK 2001 TERM TRUST 092477108 156 17200 SH DEFINED 17200 0 0
BLAIR CORPORATION 092828102 2 150 SH SOLE 150 0 0
BOB EVANS FARMS 096761101 2 182 SH SOLE 182 0 0
BOEING CO 097023105 131 3149 SH SOLE 2973 0 176
BOEING CO 097023105 26 626 SH DEFINED 626 0 0
BRISTOL-MYERS SQUIBB CO 110122108 3200 54944 SH SOLE 49944 0 5000
BRISTOL-MYERS SQUIBB CO 110122108 441 7580 SH DEFINED 6480 0 1100
BURLINGTON NORTHERN SANTE FE 12189T104 35 1542 SH SOLE 1542 0 0
CBRL GROUP INC COM 12489V106 1 100 SH SOLE 100 0 0
CENTRAL HUDSON GAS & ELECTRIC CORP 12541M102 6 200 SH SOLE 200 0 0
CIGNA HIGH INCOME SHS FUND 12551D109 5 888 SH SOLE 888 0 0
CNB FINANCIAL CORP/PA 126128107 10 570 SH SOLE 570 0 0
CSX CORP 126408103 3 144 SH SOLE 144 0 0
CVS CORP 126650100 78 1968 SH SOLE 1968 0 0
CVS CORP 126650100 629 15732 SH DEFINED 15732 0 0
CABLETRON SYS INC COM 126920107 2 100 SH SOLE 100 0 0
CALGON CARBON CORP 129603106 3 400 SH SOLE 400 0 0
CAMPBELL SOUP CO 134429109 8 300 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 80 1094 SH SOLE 1094 0 0
CARDINAL HEALTH INC 14149Y108 17 232 SH DEFINED 232 0 0
CARLISLE COS INC 142339100 90 2000 SH SOLE 0 0 2000
CATELLUS DEVELOPMENT CORP 149111106 1 115 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 9 650 SH SOLE 0 0 650
CHASE MANHATTAN CORP 16161A10S 296 6443 SH SOLE 5261 0 1182
CHASE MANHATTAN CORP 16161A10S 7 153 SH DEFINED 153 0 0
CHASE MANHATTAN CORP 16161A108 153 3330 SH SOLE 3330 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 67 800 SH DEFINED 800 0 0
CINERGY CORP 172474108 4 168 SH SOLE 168 0 0
CISCO SYSTEMS 17275R10S 375 5901 SH SOLE 4823 0 1078
CISCO SYSTEMS 17275R10S 9 150 SH DEFINED 150 0 0
CISCO SYSTEMS INC 17275R102 635 10000 SH SOLE 10000 0 0
CISCO SYSTEMS INC 17275R102 31 500 SH DEFINED 0 0 500
CITIGROUP INC COM 17296710S 471 7834 SH SOLE 6401 0 1433
CITIGROUP INC COM 17296710S 10 176 SH DEFINED 176 0 0
CITIGROUP INC COM 172967101 350 5825 SH SOLE 5075 0 750
CITIGROUP INC COM 172967101 12 200 SH DEFINED 200 0 0
CITIZENS COMMUNICATIONS CO COM 17453B101 36 2110 SH SOLE 400 0 1710
CLOROX COMPANY 189054109 115 2572 SH SOLE 2172 0 400
CLOROX COMPANY 189054109 19 440 SH DEFINED 140 0 300
COCA-COLA BOTTLING CO CONS COM 191098102 4 100 SH SOLE 100 0 0
COCA COLA COMPANY 191216100 183 3200 SH SOLE 3000 0 200
COCA COLA COMPANY 191216100 129 2256 SH DEFINED 2256 0 0
COLGATE-PALMOLIVE CO 194162103 113 1900 SH SOLE 1900 0 0
COLGATE-PALMOLIVE CO 194162103 119 2000 SH DEFINED 2000 0 0
COLUMBIA ENERGY GROUP 197648108 9 150 SH SOLE 150 0 0
COLUMBIA ENERGY GROUP 197648108 9 150 SH DEFINED 150 0 0
COMPAQ COMPUTER CORP 20449310S 381 14945 SH SOLE 11907 0 3038
COMPAQ COMPUTER CORP 20449310S 9 372 SH DEFINED 372 0 0
COMPAQ COMPUTER CORP 204493100 241 9450 SH SOLE 8050 0 1400
COMPAQ COMPUTER CORP 204493100 30 1200 SH DEFINED 1200 0 0
COMPUTER ASSOCIATES INTL INC 204912109 225 4400 SH SOLE 3800 0 600
COMPUTER ASSOCIATES INTL INC 204912109 81 1587 SH DEFINED 1587 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 648 13348 SH SOLE 11448 0 1900
CONEXANT SYSTEMS INC 207142100 347 7150 SH DEFINED 7150 0 0
CONOCO INC CL B 208251405 15 613 SH DEFINED 613 0 0
CONESCO CO INC 208464107 3 338 SH DEFINED 338 0 0
CONSOLIDATED EDISON INC 209115104 14 500 SH SOLE 500 0 0
CONSTELLATION ENERGY GROUP INC COM 210371100 12 390 SH SOLE 390 0 0
CONSTELLATION ENERGY GROUP INC COM 210371100 58 1800 SH DEFINED 1800 0 0
CORN PRODUCTS INTERL I 219023108 2 100 SH SOLE 100 0 0
CORNING INC 219350105 26 100 SH SOLE 100 0 0
CORUS GROUP PLC SPONS ADR 22087M101 14 1000 SH SOLE 1000 0 0
CREDIT SUISSE ASSET MGMT INCOME FUND INC 224916106 12 2000 SH SOLE 2000 0 0
CRESENT REAL ESTATE EQUITIESCO 225756105 6 300 SH SOLE 300 0 0
DQE INC 23329J104 365 9243 SH SOLE 9018 0 225
DQE INC 23329J104 197 5000 SH DEFINED 4700 0 300
DARDEN RESTAURANTS INC 237194105 8 500 SH SOLE 500 0 0
DEERE & COMPANY 244199105 135 3650 SH SOLE 3650 0 0
DELHAIZE AMERICA INC (B) 246688204 0 50 SH SOLE 50 0 0
DELL COMPUTER 247025109 216 4400 SH SOLE 4400 0 0
DELL COMPUTER 247025109 14 300 SH DEFINED 300 0 0
DELPHI AUTOMOTIVE SYSTEMS CORPORATION 247126105 83 5720 SH SOLE 5720 0 0
DELPHI AUTOMOTIVE SYSTEMS CORPORATION 247126105 17 1209 SH DEFINED 1209 0 0
DEVON ENERGY CORP 25179M103 1 33 SH SOLE 33 0 0
DIAL CORP 25247D101 69 6708 SH SOLE 6008 0 700
DIAL CORP 25247D101 2 200 SH DEFINED 100 0 100
THE WALT DISNEY CO 25468710S 162 4178 SH SOLE 2885 0 1293
THE WALT DISNEY CO 25468710S 6 161 SH DEFINED 161 0 0
DISNEY (WALT) COMPANY HOLDING CO 254687106 539 13900 SH SOLE 12000 0 1900
DISNEY (WALT) COMPANY HOLDING CO 254687106 85 2200 SH DEFINED 1600 0 600
DOMINION RESOURCES NEW 25746U109 21 500 SH SOLE 500 0 0
DOMINION RESOURCES NEW 25746U109 21 500 SH DEFINED 500 0 0
DONNELLEY (R.R) & SONS CO 257867101 13 600 SH SOLE 600 0 0
DOW CHEMICAL 260543103 30 1020 SH SOLE 1020 0 0
DU PONT (E.I.) DE NEMOUR 26353410S 193 4426 SH SOLE 3710 0 716
DU PONT (E.I.) DE NEMOUR 26353410S 3 82 SH DEFINED 82 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
DU PONT (E.I.) DE NEMOURS 263534109 30 700 SH SOLE 200 0 500
DU PONT (E.I.) DE NEMOURS 263534109 275 6292 SH DEFINED 6292 0 0
DUFF & PHELPS UTIL & CORP BD 26432K108 14 1256 SH SOLE 1256 0 0
DUN & BRADSTREET CORP-NEW 26483B106 176 6150 SH SOLE 5550 0 600
DUN & BRADSTREET CORP-NEW 26483B106 31 1100 SH DEFINED 600 0 500
DYNEX CAP INC COM NEW 26817Q506 0 427 SH SOLE 427 0 0
EMC CORP/MASS 268648102 19 250 SH SOLE 250 0 0
ENSCO INTERNATIONAL INC 26874Q100 17 500 SH SOLE 500 0 0
ESB FINANCIAL CORP 26884F102 50 5057 SH SOLE 5057 0 0
EBAY INC 278642103 10 200 SH DEFINED 200 0 0
ECHO BAY MINES LTD 278751102 0 400 SH SOLE 400 0 0
EDISON INTERNATIONAL 281020107 4 200 SH SOLE 200 0 0
EDWARDS LIFESCIENCE CORP 28176E108 16 910 SH SOLE 910 0 0
EDWARDS LIFESCIENCE CORP 28176E108 3 167 SH DEFINED 167 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 495 12004 SH SOLE 10672 0 1332
ELECTRONIC DATA SYSTEMS CORP 285661104 90 2200 SH DEFINED 2000 0 200
EMERGING MARKETS INC FD II 290920107 59 5148 SH SOLE 5148 0 0
EMERSON ELECTRIC CO 291011104 144 2400 SH SOLE 2400 0 0
EMERSON ELECTRIC CO 291011104 12 200 SH DEFINED 0 0 200
ENERGY EAST CORP 29266M109 2 150 SH SOLE 75 0 75
ENERGIZER HOLDINGS INC 29266R108 30 1688 SH SOLE 1688 0 0
ENRON CORP 293561106 348 5400 SH SOLE 5400 0 0
EQUITABLE RESOURCES INC 294549100 128 2654 SH SOLE 2654 0 0
EQUITABLE RESOURCES INC 294549100 28 601 SH DEFINED 601 0 0
EQUITY RESIDENTIAL PPTYS COM 29476L107 5 122 SH SOLE 122 0 0
EQUITY RESIDENTAL PPTYS SER E CONV PFD 7% 29476L883 25 1000 SH SOLE 1000 0 0
ERICSSON LM TEL CO ADR 294821400 79 3952 SH SOLE 1952 0 2000
EXXON MOBIL CORP 30231G102 5220 66505 SH SOLE 62105 0 4400
EXXON MOBIL CORP 30231G102 162 2064 SH DEFINED 2064 0 0
FMC CORPORATION 302491303 66 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
FPL GROUP INC 302571104 99 2000 SH DEFINED 2000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
FEDERAL MOGUL CORP 313549107 1 200 SH SOLE 200 0 0
FANNIE MAE 313586109 727 13950 SH SOLE 13150 0 800
FANNIE MAE 313586109 166 3200 SH DEFINED 3200 0 0
FINOVA GROUP INC 317928109 5 400 SH SOLE 400 0 0
FIRST COMMONWEALTH FINL CORP 319829107 1018 112452 SH SOLE 96748 0 15704
FIRST COMMONWEALTH FINL CORP 319829107 314 34712 SH DEFINED 33092 0 1620
FIRST UNION CORP 337358105 69 2819 SH SOLE 2819 0 0
FIRST UNION CORP 337358105 49 1984 SH DEFINED 1984 0 0
FIRSTAR CORP WISC NEW 33763V109 99 4704 SH DEFINED 4704 0 0
FIRST ENGERY CORP 337932107 82 3519 SH SOLE 3070 0 449
FIRST ENGERY CORP 337932107 133 5719 SH DEFINED 5719 0 0
FLORIDA PROGRESS CORP 341109106 70 1500 SH SOLE 1500 0 0
FLUOR CORP 343861100 12 400 SH SOLE 400 0 0
FOOTSTAR INC 344912100 42 1266 SH DEFINED 1266 0 0
FORD MOTOR COMPANY 345370100 496 11544 SH SOLE 11444 0 100
FORD MOTOR COMPANY 345370100 146 3400 SH DEFINED 3200 0 200
FOREST LABS INC 345838106 50 500 SH SOLE 0 0 500
FORTUNE BRANDS INC 349631101 332 14400 SH SOLE 13200 0 1200
FORTUNE BRANDS INC 349631101 25 1125 SH DEFINED 1125 0 0
FRANCHISE FINANCIAL CORP OF AM 351807102 16 726 SH SOLE 726 0 0
GPU INC 36225X100 134 4975 SH SOLE 4349 0 626
GPU INC 36225X100 156 5767 SH DEFINED 5767 0 0
GTE CORP 362320103 1241 19948 SH SOLE 18860 0 1088
GTE CORP 362320103 220 3548 SH DEFINED 3498 0 50
GABELLI GLOBAL MULTIMEDIA TRUST 36239Q109 3 285 SH SOLE 285 0 0
GABELLI GLOBAL MULTIMEDIA TR RIGHTS 071900 36239Q125 0 285 SH SOLE 285 0 0
GABELLI EQUITY TRUST INC 362397101 38 3183 SH SOLE 3183 0 0
GABELLI UTILITY TRUST COMMON 36240A101 2 318 SH SOLE 318 0 0
GALLAHER GROUP PLC 363595109 300 14000 SH SOLE 12800 0 1200
GALLAHER GROUP PLC 363595109 26 1225 SH DEFINED 1225 0 0
GANNETT INC 364730101 299 5000 SH SOLE 5000 0 0
GARTNER GROUP INC NEW COM CLASS B 366651206 21 2132 SH SOLE 1846 0 286
GARTNER GROUP INC NEW COM CLASS B 366651206 2 260 SH DEFINED 260 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GATEWAY INC 367626108 22 400 SH SOLE 400 0 0
GENERAL CABLE CORP 369300108 10 1350 SH SOLE 1350 0 0
GENERAL CABLE CORP 369300108 2 300 SH DEFINED 300 0 0
GENERAL ELECTRIC CO 369604103 4223 79690 SH SOLE 69790 0 9900
GENERAL ELECTRIC CO 369604103 381 7200 SH DEFINED 6600 0 600
GENERAL MILLS INC 370334104 92 2430 SH SOLE 2430 0 0
GENERAL MILLS INC 370334104 15 400 SH DEFINED 400 0 0
GENERAL MOTORS CORP 370442105 467 8055 SH SOLE 8055 0 0
GENERAL MOTORS CORP 370442105 92 1600 SH DEFINED 1600 0 0
GENERAL MOTORS CORP H 370442832 6 76 SH SOLE 76 0 0
GENUINE PARTS CO 372460105 15 750 SH SOLE 750 0 0
GENUINE PARTS CO 372460105 6 300 SH DEFINED 300 0 0
GEORGIA-PACIFIC CORP 373298108 10 400 SH DEFINED 400 0 0
GILLETTE COMPANY 37576610S 330 9472 SH SOLE 7661 0 1811
GILLETTE COMPANY 37576610S 7 223 SH DEFINED 223 0 0
GILLETTE COMPANY 375766102 229 6574 SH SOLE 5574 0 1000
GILLETTE COMPANY 375766102 48 1400 SH DEFINED 800 0 600
GLAXO WELLCOME PLC SPONSORED 37733W105 23 400 SH SOLE 400 0 0
GLAXO WELLCOME PLC SPONSORED 37733W105 23 400 SH DEFINED 400 0 0
GLOBAL MARINE INC 379352404 28 1000 SH SOLE 1000 0 0
HRPT PPTYS TR 40426W101 7 1230 SH SOLE 1230 0 0
HALLIBURTON CO 406216101 17 375 SH SOLE 375 0 0
HALLIBURTON CO 406216101 28 600 SH DEFINED 600 0 0
JOHN HANCOCK BK & THRIFT FD 409735107 5 892 SH SOLE 892 0 0
JOHN HAN PATR PREM DIV FD I 41013Q101 6 756 SH SOLE 0 0 756
HANSON PLC SPON ADR NEW 411352404 3 100 SH SOLE 100 0 0
HARLEY-DAVIDSON INC 412822108 7 200 SH DEFINED 200 0 0
HARTFORD FINL GRP INC COM 416515104 55 996 SH SOLE 996 0 0
HAWAIIAN ELECTRIC INDS 419870100 16 494 SH SOLE 494 0 0
HEALTH CARE PPTY INVS 421915109 13 500 SH SOLE 500 0 0
HEALTHCARE REALTY TRUST INC 421946104 15 880 SH SOLE 880 0 0
HEINZ (H.J.) CO 423074103 2303 52650 SH SOLE 50500 0 2150
HEINZ (H.J.) CO 423074103 87 2000 SH DEFINED 2000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
HERITAGE FINANCIAL CORP 42722X106 6 800 SH SOLE 800 0 0
HERSHEY FOODS CORP 427866108 106 2200 SH SOLE 2200 0 0
HERSHEY FOODS CORP 427866108 38 800 SH DEFINED 0 0 800
HEWLETT-PACKARD CO 428236103 174 1400 SH SOLE 1400 0 0
HEWLETT-PACKARD CO 428236103 49 400 SH DEFINED 0 0 400
HONEYWELL INTERNATIONAL INC 438516106 53 1580 SH SOLE 500 0 1080
HONEYWELL INTERNATIONAL INC 438516106 163 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 189 7420 SH DEFINED 7420 0 0
HYPERION 2002 TERM TRUST INC 448915108 37 4595 SH SOLE 0 0 4595
IMS HEALTH INC 449934108 261 14500 SH SOLE 12300 0 2200
IMS HEALTH INC 449934108 32 1800 SH DEFINED 1800 0 0
ITT INDUSTRIES INC 450911102 41 1358 SH SOLE 1258 0 100
ITT INDUSTRIES INC 450911102 12 400 SH DEFINED 400 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 17 350 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
INFOSPACE.COM 45678T102 77 1400 SH SOLE 1200 0 200
INNKEEPERS USA TR COM 4576J0104 9 1000 SH SOLE 1000 0 0
INTEL CORP 45814010S 370 2774 SH SOLE 2219 0 555
INTEL CORP 45814010S 10 76 SH DEFINED 76 0 0
INTEL CORP 458140100 5469 40914 SH SOLE 36714 0 4200
INTEL CORP 458140100 975 7300 SH DEFINED 6100 0 1200
INTL BUSINESS MACHINES CORP 45920010S 426 3892 SH SOLE 3257 0 635
INTL BUSINESS MACHINES CORP 45920010S 8 76 SH DEFINED 76 0 0
INTL BUSINESS MACHINES CORP 459200101 851 7771 SH SOLE 7241 0 530
INTL BUSINESS MACHINES CORP 459200101 208 1900 SH DEFINED 1400 0 500
INTERNATIONAL PAPER CO 460146103 24 810 SH DEFINED 810 0 0
INTERNET CAPITAL GROUP 46059C106 25 700 SH SOLE 300 0 400
INTERNET CAPITAL GROUP 46059C106 9 250 SH DEFINED 100 0 150
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
IPALCO ENTERPRISES INC 462613100 84 4200 SH SOLE 4200 0 0
JDS UNIPHASE CORP 46612J101 11 100 SH SOLE 100 0 0
JOHNSON & JOHNSON 47816010S 360 3543 SH SOLE 2856 0 687
JOHNSON & JOHNSON 47816010S 8 80 SH DEFINED 80 0 0
JOHNSON & JOHNSON 478160104 40 400 SH SOLE 400 0 0
JOHNSON & JOHNSON 478160104 71 700 SH DEFINED 700 0 0
JONES PHARMACEUTICAL INC 480236108 3 100 SH SOLE 100 0 0
KMART CORP 482584109 7 1100 SH SOLE 0 0 1100
KMART CORP 482584109 8 1300 SH DEFINED 1300 0 0
KELLOGG CO 487836108 5 200 SH SOLE 200 0 0
KERR-MCGEE CORP 492386107 4 81 SH SOLE 81 0 0
KEYCORP 493267108 22 1300 SH SOLE 1300 0 0
KEYSTONE FIN INC 493482103 41 1974 SH SOLE 1974 0 0
KIMBERLY-CLARK CORP 494368103 1067 18600 SH SOLE 17400 0 1200
KIMBERLY-CLARK CORP 494368103 230 4024 SH DEFINED 3824 0 200
KINDER MORGAN ENERGY 494550106 5 139 SH SOLE 139 0 0
ESTEE LAUDER COMPANY CL A 518439104 9 200 SH SOLE 200 0 0
LEXINGTON CORP PPTYS TR COM 529043101 33 2975 SH SOLE 2975 0 0
LIBERTY ALL STAR EQUITY FUND 530158104 60 4915 SH SOLE 4915 0 0
LILLY (ELI) & CO 532457108 39 400 SH SOLE 400 0 0
LINCOLN NATIONAL CORP 534187109 517 14320 SH SOLE 14320 0 0
LOCKHEED MARTIN 539830109 143 5800 SH DEFINED 5800 0 0
LUCENT TECHNOLOGIES INC 54946310S 333 5637 SH SOLE 4679 0 958
LUCENT TECHNOLOGIES INC 54946310S 6 106 SH DEFINED 106 0 0
LUCENT TECHNOLOGIES INC 549463107 4246 71679 SH SOLE 66104 0 5575
LUCENT TECHNOLOGIES INC 549463107 586 9894 SH DEFINED 7146 0 2748
LYONDELL CHEMICAL COMPANY 552078107 67 4000 SH DEFINED 4000 0 0
MBNA CORP 55262L100 9 337 SH SOLE 337 0 0
MFS CHARTER INCOME TRUST 552727109 8 1000 SH SOLE 0 0 1000
MACK CALI RLTY CORP COM 554489104 10 400 SH SOLE 400 0 0
MANAGED MUNI PORTFOLIO INC 561662107 26 2726 SOLE 2726 0 0
MATTEL INC 577081102 10 796 SH SOLE 796 0 0
MAY DEPARTMENT STORES CO 577778103 92 3834 SH SOLE 3834 0 0
MAY DEPARTMENT STORES CO 577778103 110 4587 SH DEFINED 4587 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MAYTAG CORP 57859210S 133 3621 SH SOLE 2581 0 1040
MAYTAG CORP 57859210S 4 134 SH DEFINED 134 0 0
MAYTAG CORP 578592107 7 200 SH SOLE 200 0 0
MCDONALD'S CORP 580135101 243 7400 SH SOLE 4600 0 2800
MCDONALD'S CORP 580135101 133 4052 SH DEFINED 3252 0 800
MCKESSON HBOC INC 58155Q103 163 7800 SH SOLE 7800 0 0
MCKESSON HBOC INC 58155Q103 8 400 SH DEFINED 200 0 200
MEDIAONE GROUP INC 58440J104 72 1083 SH SOLE 973 0 110
MELLON FINANCIAL CORP 58551A10S 181 4980 SH SOLE 3905 0 1075
MELLON FINANCIAL CORP 58551A108 379 10427 SH SOLE 10427 0 0
MELLON FINANCIAL CORP 58551A108 145 3984 SH DEFINED 3984 0 0
MERCK & CO., INC 589331107 1832 23913 SH SOLE 22643 0 1270
MERCK & CO., INC 589331107 30 400 SH DEFINED 400 0 0
MERCURY INTERACTIVE CORP 589405109 2 25 SH SOLE 25 0 0
MERITOR AUTOMOTIVE 59000G100 43 3946 SH SOLE 3313 0 633
MERITOR AUTOMOTIVE 59000G100 34 3136 SH DEFINED 3136 0 0
METROMEDIA FIBER NETWORK INC CLASS A 591689104 15 400 SH SOLE 0 0 400
MICROSOFT CORP 59491810S 373 4667 SH SOLE 3983 0 684
MICROSOFT CORP 59491810S 6 78 SH DEFINED 78 0 0
MICROSOFT CORP 594918104 2765 34564 SH SOLE 30864 0 3700
MICROSOFT CORP 594918104 240 3000 SH DEFINED 1200 0 1800
MILLENNIUM CHEMICALS INC 599903101 0 7 SH SOLE 7 0 0
MILLS CORP 601148109 9 500 SH SOLE 500 0 0
MINNESOTA MINING & MFG CO 604059105 28 344 SH SOLE 344 0 0
MITEL CORP 606711109 2 100 SH SOLE 100 0 0
THE MONY GROUP INC 615337102 3 111 SH SOLE 111 0 0
THE MONY GROUP INC 615337102 0 18 SH DEFINED 18 0 0
J P MORGAN & COMPANY 616880100 14 130 SH SOLE 130 0 0
MORGAN STANLEY DEAN WITTER 617446448 152 1828 SH SOLE 1828 0 0
MORGAN STANLEY DEAN WITTER 617446448 52 632 SH DEFINED 632 0 0
MORGAN STANLEY DEAN WITTER GOVT INCOME TR 61745P106 8 1000 SH SOLE 1000 0 0
MOTOROLA INC 62007610S 206 7110 SH SOLE 5292 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 506 17421 SH SOLE 14871 0 2550
MOTOROLA INC 620076109 49 1700 SH DEFINED 500 0 1200
MUNIYIELD PENN FD INC 62630V109 82 6645 SH SOLE 6645 0 0
NCR CORP 62886E108 7 186 SH SOLE 171 0 15
NCR CORP 62886E108 4 104 SH DEFINED 104 0 0
NABISCO GROUP HOLDING GROUP 62952P102 12 500 SH SOLE 400 0 100
NABISCO GROUP HOLDING GROUP 62952P102 5 200 SH DEFINED 100 0 100
NACCO INDUSTRIES -CL A 629579103 10 300 SH SOLE 300 0 0
NATIONAL CITY CORP 635405103 3713 217686 SH SOLE 217686 0 0
NATIONAL CITY CORP 635405103 72 4224 SH DEFINED 4224 0 0
NATIONAL FUEL GAS CO 636180101 603 12379 SH SOLE 12379 0 0
NATIONAL FUEL GAS CO 636180101 19 400 SH DEFINED 0 0 400
NEW CENTURY ENERGIES INC 64352U103 3 100 SH SOLE 100 0 0
NEW PLAN EXCEL REALTY TR INC COM 648053106 15 1200 SH SOLE 1200 0 0
NEWELL RUBBERMAID INC 651229106 332 12908 SH SOLE 12908 0 0
NEWELL RUBBERMAID INC 651229106 51 2000 SH DEFINED 2000 0 0
NEWMONT MINING CORP 651639106 2 119 SH SOLE 119 0 0
NOKIA CORPORATION ADR "A" 654902204 9 200 SH SOLE 0 0 200
NORFOLK SOUTHERN CORP 655844108 39 2658 SH SOLE 300 0 2358
NORTEL NETWORKS CORP NEW 65656810S 199 2924 SH SOLE 2158 0 766
NORTEL NETWORKS CORP NEW 65656810S 4 70 SH DEFINED 70 0 0
NORTEL NETWORKS CORP NEW 656568102 470 6900 SH SOLE 3400 0 3500
NORTEL NETWORKS CORP NEW 656568102 13 200 SH DEFINED 200 0 0
NORTH FORK BANCORPORATION INC 659424105 6 450 SH SOLE 450 0 0
NORTHWEST BANCORP PA 667328108 6 1000 SH SOLE 1000 0 0
NORTHWEST BANCORP PA 667328108 5 800 SH DEFINED 800 0 0
NORTHWESTERN CORP 668074107 12 536 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 3 300 DEFINED 300 0 0
NUVEEN MUNI ADVANTAGE FUND 67062H106 9 745 SOLE 745 0 0
OGE ENERGY CORP 670837103 87 4734 SH SOLE 4734 0 0
NUVEEN MUNI VALUE FUND 670928100 8 1063 SOLE 1063 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 PA INVESTMENT QUALITYMUNICIPAL FUND INC 670972108 81 5641 SOLE 5641 0 0
NUVEEN PA INVESTMENT QUALITYMUNICIPAL FUND INC 670972108 60 4234 DEFINED 4234 0 0
NUVEEN QUALITY MUNI FUND 670977107 39 3000 SOLE 3000 0 0
OGDEN CORP 676346109 18 2000 SH SOLE 2000 0 0
OLD REPUBLIC INTERNATIONAL CORP 680223104 90 5500 SH SOLE 5500 0 0
OMEGA FINANCIAL CORP 682092101 45 1800 SH SOLE 1800 0 0
ORACLE CORP 68389X105 67 800 SH DEFINED 0 0 800
OREGON TRAIL FINANCIAL CORP 685932105 7 700 SH SOLE 700 0 0
PECO ENERGY CO 693304107 29 730 SH SOLE 530 0 200
PECO ENERGY CO 693304107 233 5789 SH DEFINED 5789 0 0
PNC BANK CORP 693475105 672 14339 SH SOLE 11714 0 2625
PNC BANK CORP 693475105 145 3100 SH DEFINED 3100 0 0
PPG INDUSTRIES INC 693506107 424 9575 SH SOLE 9575 0 0
PPG INDUSTRIES INC 693506107 56 1280 SH DEFINED 1280 0 0
PPL CORP COM 69351T106 8 400 SH SOLE 400 0 0
PPL CORP COM 69351T106 24 1137 SH DEFINED 1137 0 0
PACTIV CORPORATION 695257105 2 292 SH SOLE 292 0 0
PACTIV CORPORATION 695257105 3 500 SH DEFINED 500 0 0
PARAMETRIC TECHNOLOGY CORP 699173100 2 200 SH SOLE 200 0 0
PAYLESS SHOESOURCE INC 704379106 15 297 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 4 220 SH SOLE 220 0 0
PENNEY (J.C.) CO 708160106 81 4412 SH DEFINED 4412 0 0
PENNZOIL QUAKER ST CO 709323109 22 1903 SH SOLE 1903 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 71344810S 403 9076 SH SOLE 6914 0 2162
PEPSICO INC 71344810S 9 224 SH DEFINED 224 0 0
PEPSICO INC 713448108 857 19300 SH SOLE 17900 0 1400
PEPSICO INC 713448108 271 6100 SH DEFINED 4200 0 1900
PFIZER INC 71708110S 362 7547 SH SOLE 6312 0 1235
PFIZER INC 71708110S 7 161 SH DEFINED 161 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PFIZER INC 717081103 5934 123627 SH SOLE 110152 0 13475
PFIZER INC 717081103 542 11311 SH DEFINED 7224 0 4087
PHARMACIA CORP 71713U102 44 861 SH SOLE 861 0 0
PHILLIP MORRIS COMPANIES INC 718154107 64 2430 SH SOLE 930 0 1500
PHILLIPS PETROLEUM CO 718507106 19 393 SH SOLE 393 0 0
PHILLIPS PETROLEUM CO 718507106 13 257 SH DEFINED 257 0 0
PILGRIM PRIME RATE TRUST NEW SH BEN INT 72146W103 38 4299 SH SOLE 4299 0 0
POTOMAC ELECTRIC POWER 737679100 393 15750 SH SOLE 15150 0 600
POTOMAC ELECTRIC POWER 737679100 55 2200 SH DEFINED 1800 0 400
PRAXAIR INC 74005P104 56 1500 SH SOLE 1500 0 0
PROCTOR & GAMBLE CO 742718109 503 8788 SH SOLE 8788 0 0
PROCTOR & GAMBLE CO 742718109 91 1600 SH DEFINED 800 0 800
PROSPECT STREET HI INC FUND 743586406 3 592 SH SOLE 592 0 0
PROVIDIAN FINANCIAL CORP 74406A102 40 450 SH SOLE 450 0 0
PUBLIC SERVICE ENTERPRISE GP 744573106 205 5940 SH SOLE 5940 0 0
PUBLIC SERVICE ENTERPRISE GP 744573106 13 400 SH DEFINED 400 0 0
PUTNAM MASTER INCOME TRUST 74683K104 26 4000 SH SOLE 4000 0 0
PUTNAM MASTER INTER INCOME TR 746909100 7 1129 SH SOLE 1129 0 0
PUTNAM MASTER INTER INCOME TR 746909100 3 500 SH DEFINED 500 0 0
QLOGIC CORP 747277101 13 200 SH SOLE 200 0 0
QUAKER OATS CO 747402105 131 1750 SH SOLE 1750 0 0
QUALCOMM INCORPORATED 747525103 18 300 SH SOLE 100 0 200
R&B FALCON CORPORATION 74912E101 70 3000 SH SOLE 3000 0 0
R&B FALCON CORPORATION 74912E101 10 440 SH DEFINED 0 0 440
QWEST COMMUNICATIONS INTL 74912110S 318 6408 SH SOLE 5176 0 1232
QWEST COMMUNICATIONS INTL 74912110S 8 176 SH DEFINED 176 0 0
QWEST COMMUN INTL 749121109 432 8700 SH SOLE 6900 0 1800
QWEST COMMUN INTL 749121109 111 2250 SH DEFINED 1450 0 800
RCN CORPORATION 749361101 10 400 SH SOLE 100 0 300
RFS HOTEL INVS INC COM 74955J108 11 1000 SH SOLE 1000 0 0
RGS ENERGY GROUP INC 74956K104 5 262 SH SOLE 262 0 0
RALCORP HOLDINGS INC NEW 751028101 5 466 SH SOLE 466 0 0
RALSTON PURINA GROUP 751277302 101 5072 SH SOLE 5072 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
RAYONIER INC 754907103 4 125 SH SOLE 125 0 0
RAYTHEON CO 755111309 1 99 SH SOLE 99 0 0
RAYTHEON CO 755111309 1 78 SH DEFINED 78 0 0
RAYTHEON CO CL B 755111408 36 1900 SH SOLE 1900 0 0
READERS DIGEST ASSN -CL A 755267101 55 1400 SH SOLE 900 0 500
READERS DIGEST ASSN -CL A 755267101 19 500 SH DEFINED 400 0 100
REGIONS FINANCIAL CORP 758940100 4 226 SH DEFINED 226 0 0
RELIANT ENERGY INC 75952J108 29 1000 SH SOLE 1000 0 0
REMEDY CORPORATION 759548100 5 100 SH SOLE 100 0 0
REYNOLDS RJ TOBACCO HOLDINGS INC 76182K105 0 15 SH SOLE 15 0 0
RITE AID CORP 767754104 7 1200 SH SOLE 800 0 400
RITE AID CORP 767754104 1 300 SH DEFINED 200 0 100
ROCKWELL INTL CORP 773903109 453 14404 SH SOLE 12504 0 1900
ROCKWELL INTL CORP 773903109 276 8763 SH DEFINED 8763 0 0
ROHM & HAAS CO 775371107 12 368 SH SOLE 368 0 0
ROYAL DUTCH PETE 780257804 32 520 SH SOLE 520 0 0
ROYAL DUTCH PETE 780257804 61 1000 SH DEFINED 800 0 200
S&T BANCORP INC 783859101 51051 2797362 SH SOLE 2753823 0 43539
S&T BANCORP INC 783859101 6747 369717 SH DEFINED 363577 0 6140
SBC COMMUNICATIONS 78387G10S 253 5865 SH SOLE 4736 0 1129
SBC COMMUNICATIONS 78387G10S 5 127 SH DEFINED 127 0 0
SBC COMMUNICATIONS INC 78387G103 3150 72844 SH SOLE 68539 0 4305
SBC COMMUNICATIONS INC 78387G103 214 4960 SH DEFINED 3202 0 1758
SAFETY KLEEN CORP NEW 78648R203 0 1000 SH SOLE 1000 0 0
ST PAUL COMPANIES 792860108 61 1804 SH SOLE 1804 0 0
SANTA FE ENERGY TR-UTS 802013102 30 1500 SH SOLE 1500 0 0
SANTA FE SNYDER CORP 80218K105 1 138 SH SOLE 138 0 0
SARA LEE CORP 803111103 369 19145 SH SOLE 18545 0 600
SARA LEE CORP 803111103 251 13000 SH DEFINED 13000 0 0
SCHERING-PLOUGH CORP 806605101 843 16700 SH SOLE 16700 0 0
SCHERING-PLOUGH CORP 806605101 60 1200 SH DEFINED 0 0 1200
SCHLUMBERGER LTD 80685710S 227 3045 SH SOLE 2251 0 794
SCHLUMBERGER LTD 80685710S 6 91 SH DEFINED 91 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SCHLUMBERGER LTD 806857108 89 1200 SH SOLE 700 0 500
SCHLUMBERGER LTD 806857108 203 2725 SH DEFINED 2475 0 250
CHARLES SCHWAB CORPORATION 808513105 55 1650 SH SOLE 1350 0 300
SCOTT TECHNOLOGIES INC COM 810022301 257 15000 SH SOLE 15000 0 0
SEARS, ROEBUCK AND CO 812387108 39 1209 SH SOLE 1209 0 0
SEARS, ROEBUCK AND CO 812387108 13 427 SH DEFINED 427 0 0
SENIOR HOUSING PROPERTIES TRUST 81721M109 0 123 SH SOLE 123 0 0
SERVICEMASTER CO 81760N109 43 3795 SH SOLE 3795 0 0
SHERWIN-WILLIAMS CO 824348106 2 120 SH SOLE 120 0 0
SKY FINANCIAL GROUP 83080P103 29 1881 SH SOLE 1881 0 0
SKY FINANCIAL GROUP 83080P103 39 2478 SH DEFINED 2478 0 0
SMITHKLINE BEECHAM 832378301 105 1614 SH DEFINED 1614 0 0
SOUTH JERSEY INDUSTRIES 838518108 0 20 SH SOLE 20 0 0
SOUTHERN CO 842587107 56 2412 SH SOLE 2412 0 0
SOVRAN SELF STORAGE INC COM 84610H108 17 800 SH SOLE 800 0 0
SPRINT CORP 852061100 135 2666 SH SOLE 2666 0 0
SPRINT CORP (PCS GROUP) 852061506 83 1400 SH SOLE 1400 0 0
STARBUCKS CORPORATION 855244109 20 536 SH SOLE 536 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE INC 85590A203 26 823 SH SOLE 823 0 0
STATEN ISLAND BANCORP 857550107 3 200 SH DEFINED 200 0 0
STORAGE TECHNOLOGY CORP NEW 862111200 1 100 SH SOLE 100 0 0
SUMMIT BANCORP 866005101 205 8352 SH SOLE 8352 0 0
SUMMIT BANCORP 866005101 46 1900 SH DEFINED 1900 0 0
SUN LIFE FINANCIAL 866796105 10 599 SH SOLE 599 0 0
SUN MICROSYSTEMS 866810104 31 350 SH SOLE 350 0 0
SUN MICROSYSTEMS 866810104 45 500 SH DEFINED 500 0 0
SUNBEAM CORP 867071102 15 4450 SH SOLE 3800 0 650
SUNBEAM CORP 867071102 1 500 SH DEFINED 500 0 0
SUNOCO INC 86764P109 6 220 SH SOLE 220 0 0
TECO ENERGY INC 872375100 204 10200 SH SOLE 10200 0 0
TECO ENERGY INC 872375100 8 400 SH DEFINED 0 0 400
TXU CORP COM 873168108 5 200 SH SOLE 200 0 0
TXU CORP COM 873168108 14 500 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TELESCAN INC 879516102 2 300 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 200 3760 SH SOLE 3260 0 500
TEXACO INC 881694103 39 750 SH DEFINED 400 0 350
3COM CORP 885535104 17 300 SH DEFINED 0 0 300
TIME-WARNER INC 887315109 15 200 SH SOLE 200 0 0
TIME-WARNER INC 887315109 38 500 SH DEFINED 0 0 500
TRICON GLOBAL RESTAURANT INC 895953107 44 1590 SH SOLE 1520 0 70
TRICON GLOBAL RESTAURANT INC 895953107 3 130 SH DEFINED 130 0 0
II-VI INC 902104108 48 1000 SH SOLE 0 0 1000
TYCO INTERNATIONAL LTD 902124106 167 3528 SH SOLE 2928 0 600
UGI CORP 902681105 15 775 SH SOLE 775 0 0
USX-MARATHON GROUP 902905827 51 2047 SH SOLE 2047 0 0
US BANCORP 902973106 57 2994 SH DEFINED 2994 0 0
USX-US STEEL GROUP INC 90337T101 7 419 SH SOLE 419 0 0
UNILEVER NV NY SHARE F NEW 90478470S 299 6960 SH SOLE 5679 0 1281
UNILEVER NV NY SHARE F NEW 90478470S 5 127 SH DEFINED 127 0 0
UNILEVER NV NY SHARE F NEW 904784709 239 5576 SH SOLE 5287 0 289
UNILEVER NV NY SHARE F NEW 904784709 47 1100 SH DEFINED 0 0 1100
UNION CARBIDE SORP HLDG CO 905581104 2 60 SH SOLE 60 0 0
UNION PACIFIC CORP 907818108 182 4900 SH SOLE 4300 0 600
UNION PACIFIC CORP 907818108 185 5000 SH DEFINED 4600 0 400
UNION PACIFIC RESOURCES GRP 907834105 48 2200 SH SOLE 2200 0 0
UNION PACIFIC RESOURCES GRP 907834105 81 3700 SH DEFINED 3300 0 400
UNITED DOMINION INDUSTRIES LTD 909914103 8 500 SH SOLE 0 0 500
US WEST INC 91273H101 467 5457 SH SOLE 5345 0 112
US WEST INC 91273H101 29 342 SH DEFINED 342 0 0
VAN KAMPEN INTERMEDIATE TERM HIGH INC TRUST 920911104 3 600 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 MUNS 920934106 20 1400 SOLE 1400 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
VAN KAMPEN STRATEGIC SECTOR MUNICIPAL TRUST 920943107 3 335 SOLE 167 0 168
VAN KAMPEN SR INCOME TR COM 920961109 16 2000 SH SOLE 2000 0 0
VIAD CORP 92552R109 169 6208 SH SOLE 6008 0 200
VIAD CORP 92552R109 2 100 SH DEFINED 100 0 0
VIACOM CL B 925524308 786 11538 SH SOLE 10887 0 651
VIACOM CL B 925524308 54 804 SH DEFINED 696 0 108
VODAFONE AIRTOUCH PUBLIC LTD CO ADR 92857T107 529 12790 SH SOLE 12550 0 240
VODAFONE AIRTOUCH PUBLIC LTD CO ADR 92857T107 42 1020 SH DEFINED 1020 0 0
VOICESTREAM WIRELESS CORP 928615103 9 82 SH SOLE 82 0 0
WPS RESOURCES CORP 92931B106 114 3800 SH SOLE 3800 0 0
WAL-MART STORES INC 931142103 132 2300 SH SOLE 2300 0 0
WAL-MART STORES INC 931142103 57 1000 SH DEFINED 900 0 100
WALGREEN CO 931422109 25 800 SH SOLE 800 0 0
WALGREEN CO 931422109 128 4000 SH DEFINED 0 0 4000
WASHINGTON GAS LIGHT CO 938837101 8 354 SH SOLE 354 0 0
WASTE MANAGEMENT INC NEW 94106L109 101 5349 SH SOLE 4949 0 400
WEIDER NUTRITION "A" 948603105 3 1000 SH SOLE 1000 0 0
WELLS FARGO & CO NEW 949746101 25 650 SH SOLE 650 0 0
WEYERHAUSER 962166104 43 1000 SH DEFINED 1000 0 0
WILD OATS MARKETS INC 96808B107 7 575 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 360 7861 SH SOLE 6706 0 1155
WORLDCOM INC GA NEW 98157D10S 5 129 SH DEFINED 129 0 0
WORLDCOM INC GA NEW 98157D106 727 15861 SH SOLE 12436 0 3425
WORLDCOM INC GA NEW 98157D106 244 5325 SH DEFINED 3025 0 2300
WORTHINGTON INDUSTRIES 981811102 141 13500 SH SOLE 12400 0 1100
WORTHINGTON INDUSTRIES 981811102 13 1300 SH DEFINED 1100 0 200
YORK INTERNATIONAL CORP 986670107 37 1500 SH SOLE 0 0 1500
ZWEIG TOTAL RETURN FUND INC 989837109 19 3000 SH SOLE 3000 0 0
GRAND TOTALS 175595 6233621 5866523 0 367098
</TABLE>