UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 03/31/99
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: UNITED NATIONAL BANK
Address: 514 MARKET STREET
PARKERSBURG, WV 26101
13F File Number:
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: CATHERINE HOUSER
Title: VP & TOO
Phone: 304-424-8751
Signature, Place, and Date of Signing:
UNITED NATIONAL BANK PARKERSBURG, WV APRIL 01, 1999
Report Type (Check only one.):
[ X] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.
<PAGE>
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 314
Form 13F Information Table Entry Total: $406,804
List of Other Included Managers:
NONE
<PAGE>
<TABLE> <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
- ------------------------------ ---------------- --------- -------- --- --- --- ---- ------- ------------- ------- --------- ------
AT&T CORP CO COM 001957109 2359 29564 SH SOLE 28110 1454
AT&T CORP CO COM 001957109 2344 29374 SH DEFINED 27613 300 1461
ABBOTT LABS CO COM 002824100 1008 21550 SH SOLE 12350 9200
ABBOTT LABS CO COM 002824100 2446 52256 SH DEFINED 47856 4400
ADAPTEC 4.75% DUE 02/01/04 CONV DEB 00651FAC2 510 615000 PRN SOLE 615000
AIRTOUCH COMMUNICATIONS COM 00949T100 925 9581 SH SOLE 8948 633
AIRTOUCH COMMUNICATIONS COM 00949T100 450 4665 SH DEFINED 4373 128 164
ALCOA INC COM 013817101 970 23556 SH SOLE 21756 1800
ALCOA INC COM 013817101 82 2000 SH DEFINED 400 1600
ALLEGHENY ENERGY INC COM 017361106 470 15950 SH SOLE 15550 400
ALLEGHENY ENERGY INC COM 017361106 193 6545 SH DEFINED 6545
AMERICA ONLINE INC DEL COM 02364J104 477 3250 SH SOLE 3250
AMERICA ONLINE INC DEL COM 02364J104 446 3035 SH DEFINED 2400 635
AMERICAN ELEC PWR INC CO COM 025537101 436 11003 SH SOLE 10603 400
AMERICAN ELEC PWR INC CO COM 025537101 528 13310 SH DEFINED 10510 2800
AMERICAN EXPRESS CO CO COM 025816109 175 1489 SH SOLE 1489
AMERICAN EXPRESS CO CO COM 025816109 329 2800 SH DEFINED 1600 1200
AMERICAN HOME PRODS CORP CO COM 026609107 8047 123330 SH SOLE 122610 720
AMERICAN HOME PRODS CORP CO COM 026609107 7093 108706 SH DEFINED 85720 10436 12550
AMERICAN INTL GROUP INC CO COM 026874107 6224 51602 SH SOLE 51424 178
AMERICAN INTL GROUP INC CO COM 026874107 514 4262 SH DEFINED 3012 1250
AMERITECH CORP NEW CO COM 030954101 1163 20188 SH SOLE 20044 144
AMERITECH CORP NEW CO COM 030954101 933 16204 SH DEFINED 16012 192
AMGEN INC CO COM 031162100 253 3390 SH SOLE 3390
AMGEN INC CO COM 031162100 41 550 SH DEFINED 550
ANHEUSER BUSCH COS INC CO COM 035229103 91 1200 SH SOLE 1200
ANHEUSER BUSCH COS INC CO COM 035229103 928 12200 SH DEFINED 12200
APPLIED MATLS INC CO COM 038222105 1357 22006 SH SOLE 21792 214
APPLIED MATLS INC CO COM 038222105 66 1080 SH DEFINED 1080
ARGOSY MINING CORP COM 04022W105 8 63250 SH DEFINED 63250
ASCEND COMMUNICATIONS COM 043491109 1496 17879 SH SOLE 17879
ATLANTIC RICHFIELD CO CO COM 048825103 416 5696 SH SOLE 5396 300
ATLANTIC RICHFIELD CO CO COM 048825103 102 1400 SH DEFINED 1400
AUTOMATIC DATA PROCESSING INCO COM 053015103 41 1000 SH SOLE 600 400
AUTOMATIC DATA PROCESSING INCO COM 053015103 728 17600 SH DEFINED 13600 4000
BP AMOCO P L C SPONSORED ADR COM 055622104 2813 27856 SH SOLE 27592 264
BP AMOCO P L C SPONSORED ADR COM 055622104 2809 27819 SH DEFINED 27687 132
BANK NEW YORK INC CO COM 064057102 521 14500 SH SOLE 14500
BANK NEW YORK INC CO COM 064057102 28 800 SH DEFINED 800
BANK ONE CORP COM 06423A103 1078 19578 SH SOLE 19428 150
BANK ONE CORP COM 06423A103 4261 77397 SH DEFINED 76611 786
BANKAMERICA CAP IV 7.00% DUE PREFERRED 066044207 242 9720 SH SOLE 9720
BANKAMERICA CORP NEW COM 06605F102 4248 60158 SH SOLE 59563 595
BANKAMERICA CORP NEW COM 06605F102 521 7383 SH DEFINED 5983 1200 200
BANKBOSTON CORP COM COM 06605R106 1223 28246 SH SOLE 28246
BANKBOSTON CORP COM COM 06605R106 51 1200 SH DEFINED 1200
BAXTER INTL INC CO COM 071813109 132 2000 SH SOLE 1400 600
BAXTER INTL INC CO COM 071813109 112 1700 SH DEFINED 1100 600
BELL ATLANTIC CORP CO COM 077853109 1391 26925 SH SOLE 26305 620
BELL ATLANTIC CORP CO COM 077853109 1874 36274 SH DEFINED 33438 1052 1784
BELLSOUTH CORP CO COM 079860102 2444 61013 SH SOLE 60447 566
BELLSOUTH CORP CO COM 079860102 1229 30688 SH DEFINED 27048 1776 1864
BERKSHIRE HATHAWAY CL A COM 084670108 1142 16 SH SOLE 16
BERKSHIRE HATHAWAY INC CL B COM 084670207 197 84 SH SOLE 84
BERKSHIRE HATHAWAY INC CL B COM 084670207 32 14 SH DEFINED 14
BIOGEN INC CO COM 090597105 827 7240 SH SOLE 7040 200
BIOGEN INC CO COM 090597105 62 550 SH DEFINED 550
BOEING CO CO COM 097023105 201 5917 SH SOLE 5217 700
BOEING CO CO COM 097023105 205 6040 SH DEFINED 6040
BOSTON SCIENTIFIC CORP CO COM 101137107 1214 29900 SH SOLE 29100 800
BOSTON SCIENTIFIC CORP CO COM 101137107 113 2800 SH DEFINED 2800
BRISTOL MYERS SQUIBB COM 110122108 8238 128472 SH SOLE 126572 1900
BRISTOL MYERS SQUIBB COM 110122108 23848 371902 SH DEFINED 364852 3600 3450
CBS CORP COM 12490K107 306 7500 SH SOLE 7500
CBS CORP COM 12490K107 242 5935 SH DEFINED 5735 200
CIGNA CORP CO COM 125509109 289 3450 SH DEFINED 1350 2100
CNA SURETY CORP COM 12612L108 280 22634 SH DEFINED 22634
CSX CORP CO COM 126408103 580 14900 SH SOLE 14300 600
CSX CORP CO COM 126408103 404 10382 SH DEFINED 8734 400 1248
CENDANT CORPORATION COM 151313103 160 10100 SH SOLE 9650 450
CENDANT CORPORATION COM 151313103 8 540 SH DEFINED 540
CHASE MANHATTAN CORP NEW CO COM 16161A108 40 500 SH SOLE 500
CHASE MANHATTAN CORP NEW CO COM 16161A108 262 3226 SH DEFINED 3226
CHEVRON CORPORATION CO COM 166751107 3350 37752 SH SOLE 37752
CHEVRON CORPORATION CO COM 166751107 2293 25844 SH DEFINED 25444 400
CISCO SYS INC CO COM 17275R102 7296 66599 SH SOLE 64683 1916
CISCO SYS INC CO COM 17275R102 740 6760 SH DEFINED 5053 450 1257
CITIGROUP INC COM 172967101 9254 144881 SH SOLE 141385 3496
CITIGROUP INC COM 172967101 1168 18293 SH DEFINED 17344 399 550
CITY HLDG CO CO COM 177835105 495 16794 SH SOLE 16794
CITY HLDG CO CO COM 177835105 175 5946 SH DEFINED 5946
COAL TECHNOLOGY CORPORATION COM 190101105 0 20000 SH SOLE 20000
COCA COLA CO CO COM 191216100 397 6480 SH SOLE 6080 400
COCA COLA CO CO COM 191216100 1333 21720 SH DEFINED 17620 4100
COMMUNITY BK NATL ASSN COM 203564109 748 15925 SH SOLE 15925
COMPAQ COMPUTER CORP CO COM 204493100 1101 34769 SH SOLE 33449 1320
COMPAQ COMPUTER CORP CO COM 204493100 212 6700 SH DEFINED 4200 2500
COMPUTER ASSOC INTL INC CO COM 204912109 207 5834 SH SOLE 4597 1237
COMPUTER ASSOC INTL INC CO COM 204912109 21 600 SH DEFINED 600
CONSECO CO INC COM 208464107 1210 39200 SH SOLE 39200
CONSOLIDATED EDISON INC COM 209115104 230 5086 SH SOLE 5086
CONSOLIDATED EDISON INC COM 209115104 63 1400 SH DEFINED 1400
CONSOLIDATED NAT GAS CO COM 209615103 1252 25722 SH SOLE 25722
CONSOLIDATED NAT GAS CO COM 209615103 406 8342 SH DEFINED 8342
CORNING GLASS WORKS COM 219350105 1818 30300 SH SOLE 30300
CORNING GLASS WORKS COM 219350105 75 1250 SH DEFINED 1250
DISNEY WALT CO DEL CO COM 254687106 2085 67009 SH SOLE 65709 1300
DISNEY WALT CO DEL CO COM 254687106 996 32003 SH DEFINED 27603 4400
DOMINION RES INC VA CO COM 257470104 70 1900 SH SOLE 1900
DOMINION RES INC VA CO COM 257470104 132 3582 SH DEFINED 3332 250
DOW CHEMICAL COMPANY CO COM 260543103 421 4525 SH SOLE 4425 100
DOW CHEMICAL COMPANY CO COM 260543103 484 5199 SH DEFINED 3559 1640
DU PONT E I DE NEMOURS CO COM 263534109 1199 20651 SH SOLE 18017 2634
DU PONT E I DE NEMOURS CO COM 263534109 2070 35658 SH DEFINED 22508 8850 4300
DUKE ENERGY CORP PFD SENIOR NO PREFERRED 264399619 75 3000 SH SOLE 3000
DUKE ENERGY CORP PFD SENIOR NO PREFERRED 264399619 175 7000 SH DEFINED 7000
EASTMAN KODAK CO CO COM 277461109 122 1924 SH SOLE 1774 150
EASTMAN KODAK CO CO COM 277461109 89 1400 SH DEFINED 1300 100
EATON CORP CO COM 278058102 125 1750 SH SOLE 1750
EATON CORP CO COM 278058102 157 2200 SH DEFINED 2200
EDISON INTL CO COM 281020107 171 7727 SH SOLE 7327 400
EDISON INTL CO COM 281020107 77 3500 SH DEFINED 3500
EMERSON ELEC CO CO COM 291011104 371 7016 SH SOLE 6216 800
EMERSON ELEC CO CO COM 291011104 42 798 SH DEFINED 798
ENRON CORP CO COM 293561106 1371 21354 SH SOLE 21104 250
ENRON CORP CO COM 293561106 134 2100 SH DEFINED 2100
ERICSSON L M TEL CO AD COM 294821400 624 26210 SH SOLE 26210
EXXON CORP CO COM 302290101 9902 140339 SH SOLE 135671 4668
EXXON CORP CO COM 302290101 8201 116232 SH DEFINED 110178 1560 4494
FPL GROUP INC CO COM 302571104 367 6900 SH SOLE 6900
FPL GROUP INC CO COM 302571104 149 2800 SH DEFINED 2800
FEDERAL NATL MTG ASSN CO COM 313586109 2333 33690 SH SOLE 32469 1221
FEDERAL NATL MTG ASSN CO COM 313586109 307 4445 SH DEFINED 4320 125
FIFTH THIRD BANCORP CO COM 316773100 801 12150 SH SOLE 12150
FIFTH THIRD BANCORP CO COM 316773100 44 675 SH DEFINED 675
FIRST UN CORP CO COM 337358105 159 2984 SH SOLE 2984
FIRST UN CORP CO COM 337358105 78 1460 SH DEFINED 1460
FIRST WESTERN BANCORP INC CO COM 337505101 326 10371 SH DEFINED 10371
FORD MTR CO DEL CO COM 345370100 208 3670 SH SOLE 3670
FORD MTR CO DEL CO COM 345370100 142 2520 SH DEFINED 1720 800
FORTUNE BRANDS INC. COM 349631101 253 6576 SH SOLE 6576
FORTUNE BRANDS INC. COM 349631101 81 2126 SH DEFINED 1450 676
FREQUENCY ELECTRONICS COM 358010106 89 11950 SH SOLE 11950
GTE CORP CO COM 362320103 1001 16552 SH SOLE 16102 450
GTE CORP CO COM 362320103 121 2000 SH DEFINED 2000
GENERAL ELEC CO CO COM 369604103 13082 118264 SH SOLE 110714 7550
GENERAL ELEC CO CO COM 369604103 13298 120212 SH DEFINED 105598 6350 8264
GENERAL MINERALS CORPORATION COM 369905104 9 10300 SH DEFINED 10300
GENERAL MTRS CORP CO COM 370442105 796 9157 SH SOLE 8917 240
GENERAL MTRS CORP CO COM 370442105 614 7067 SH DEFINED 7067
GEORGIA PWR CAP PFD 6.85% PREFERRED 37333R209 247 10000 SH SOLE 10000
GEORGIA PWR CAP PFD 6.85% PREFERRED 37333R209 148 6000 SH DEFINED 3000 3000
GILLETTE COMPANY COM 375766102 884 14882 SH SOLE 14882
GILLETTE COMPANY COM 375766102 549 9250 SH DEFINED 5550 3700
GLAXO WELLCOME PLC COM 37733W105 26 400 SH SOLE 400
GLAXO WELLCOME PLC COM 37733W105 301 4508 SH DEFINED 4508
GLOBAL MARINE INC CO COM 379352404 196 16750 SH SOLE 16750
GLOBAL MARINE INC CO COM 379352404 10 900 SH DEFINED 900
HARLEY DAVIDSON INC COM 412822108 1383 24119 SH SOLE 24119
HARLEY DAVIDSON INC COM 412822108 34 600 SH DEFINED 600
HEINZ H J CO CO COM 423074103 45 961 SH SOLE 961
HEINZ H J CO CO COM 423074103 716 15123 SH DEFINED 14823 300
HEWLETT PACKARD COMPANY COM 428236103 548 8086 SH SOLE 8024 62
HEWLETT PACKARD COMPANY COM 428236103 213 3150 SH DEFINED 1600 1550
HOME DEPOT INC CO COM 437076102 299 4806 SH SOLE 4306 500
HOME DEPOT INC CO COM 437076102 522 8395 SH DEFINED 5800 2595
HARVEY HUBBELL, INCORPORATED COM 443510201 12300 307523 SH DEFINED 157327 150196
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 242 7830 SH SOLE 7830
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 882 28515 SH DEFINED 27076 1439
INGERSOLL RAND CO CO COM 456866102 112 2260 SH SOLE 1960 300
INGERSOLL RAND CO CO COM 456866102 214 4330 SH DEFINED 1330 3000
INTEL CORP COM 458140100 3833 32252 SH SOLE 32207 45
INTEL CORP COM 458140100 1172 9865 SH DEFINED 8735 1130
INTERNATIONAL BUSINESS MACHINE COM 459200101 1856 10475 SH SOLE 9355 1120
INTERNATIONAL BUSINESS MACHINE COM 459200101 1943 10963 SH DEFINED 10128 835
JOHNSON & JOHNSON CO COM 478160104 1221 13061 SH SOLE 12111 950
JOHNSON & JOHNSON CO COM 478160104 1271 13600 SH DEFINED 10300 1800 1500
KANAWHA VILLAGE APARTMENTS COM 482991577 247 1300 SH DEFINED 1300
LILLY ELI & CO CO COM 532457108 1020 12021 SH SOLE 12021
LILLY ELI & CO CO COM 532457108 474 5590 SH DEFINED 2000 3590
LINEAR TECHNOLOGY CORP COM 535678106 1111 21685 SH SOLE 21685
LUCENT TECHNOLOGIES INC CO COM 549463107 4112 38079 SH SOLE 35960 2119
LUCENT TECHNOLOGIES INC CO COM 549463107 3016 27934 SH DEFINED 24660 1312 1962
MBNA CORPORATION COM 55262L100 724 30365 SH SOLE 30365
MBNA CORPORATION COM 55262L100 31 1300 SH DEFINED 1300
MCI WORLDCOM INC COM 55268B106 5146 58110 SH SOLE 56287 1823
MCI WORLDCOM INC COM 55268B106 473 5350 SH DEFINED 4200 1150
MCDONALDS CORP CO COM 580135101 192 4250 SH SOLE 3850 400
MCDONALDS CORP CO COM 580135101 473 10450 SH DEFINED 6250 4200
MEDIAONE GROUP INC COM 58440J104 427 6732 SH SOLE 6684 48
MEDIAONE GROUP INC COM 58440J104 140 2210 SH DEFINED 2210
MEDTRONIC INC CO COM 585055106 2228 31003 SH SOLE 29497 1506
MEDTRONIC INC CO COM 585055106 448 6235 SH DEFINED 3935 900 1400
MERCK & CO INC CO COM 589331107 4701 58683 SH SOLE 58587 96
MERCK & CO INC CO COM 589331107 2991 37330 SH DEFINED 33730 3600
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 42 1600 SH SOLE 200 1400
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 289 11000 SH DEFINED 11000
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 350 14000 SH SOLE 14000
MICROSOFT CORP CO COM 594918104 8318 92810 SH SOLE 90612 2198
MICROSOFT CORP CO COM 594918104 2301 25680 SH DEFINED 18980 6700
MINNESOTA MNG & MFG CO CO COM 604059105 1302 18404 SH SOLE 18104 300
MINNESOTA MNG & MFG CO CO COM 604059105 1263 17864 SH DEFINED 16364 800 700
MOBIL CORP CO COM 607059102 2367 26909 SH SOLE 26214 695
MOBIL CORP CO COM 607059102 1284 14594 SH DEFINED 13436 256 902
MONSANTO CO CO COM 611662107 1391 30298 SH SOLE 30298
MONSANTO CO CO COM 611662107 502 10938 SH DEFINED 10938
MORGAN J P & CO INC CO COM 616880100 356 2890 SH SOLE 2890
MORGAN J P & CO INC CO COM 616880100 223 1815 SH DEFINED 1615 200
MORGAN STANLEY DEAN WITTER DIS COM 617446448 1510 15111 SH SOLE 15020 91
MORGAN STANLEY DEAN WITTER DIS COM 617446448 297 2978 SH DEFINED 1752 1226
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 167 7000 SH SOLE 7000
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 119 5000 SH DEFINED 5000
MOTOROLA INC CO COM 620076109 330 4518 SH SOLE 4518
MOTOROLA INC CO COM 620076109 318 4350 SH DEFINED 4150 200
NETWORK ASSOCIATES INC COM 640938106 460 15000 SH SOLE 15000
NEVSUN RESOURCES LTD COM 64156L101 16 18000 SH DEFINED 18000
NOKIA CORP ADR "A" COM 654902204 1429 9177 SH SOLE 9177
NOKIA CORP ADR "A" COM 654902204 15 100 SH DEFINED 100
NORFOLK SOUTHERN CORP CO COM 655844108 254 9639 SH SOLE 9639
NORFOLK SOUTHERN CORP CO COM 655844108 97 3692 SH DEFINED 3476 216
NORTHERN TELECOM LTD COM 665815106 1506 24251 SH SOLE 24074 177
NORTHERN TELECOM LTD COM 665815106 68 1100 SH DEFINED 1100
ONE VY BANCORP WEST VA INC CO COM 682419106 649 18615 SH SOLE 18615
ONE VY BANCORP WEST VA INC CO COM 682419106 1877 53843 SH DEFINED 53843
ORACLE CORP CO COM 68389X105 1053 39956 SH SOLE 39356 600
ORACLE CORP CO COM 68389X105 156 5952 SH DEFINED 4452 450 1050
PPG INDS INC CO COM 693506107 269 5260 SH SOLE 5260
PPG INDS INC CO COM 693506107 119 2323 SH DEFINED 723 1600
PEPSICO INC CO COM 713448108 858 21900 SH SOLE 19000 2900
PEPSICO INC CO COM 713448108 471 12040 SH DEFINED 9740 400 1900
PERKIN-ELMER CORPORATION COM 714041100 1545 15918 SH SOLE 15818 100
PERKIN-ELMER CORPORATION COM 714041100 73 759 SH DEFINED 360 399
PFIZER INC CO COM 717081103 3025 21809 SH SOLE 20809 1000
PFIZER INC CO COM 717081103 432 3120 SH DEFINED 720 2400
PHILIP MORRIS COS INC CO COM 718154107 1675 47624 SH SOLE 47024 600
PHILIP MORRIS COS INC CO COM 718154107 515 14649 SH DEFINED 8549 2700 3400
PIONEER HI BRED INTL INC COM 723686101 711 18910 SH SOLE 18910
PROCTER & GAMBLE CO CO COM 742718109 3511 35855 SH SOLE 34155 1700
PROCTER & GAMBLE CO CO COM 742718109 5600 57180 SH DEFINED 49730 1500 5950
QUALCOMM INC. COM 747525103 2398 19286 SH SOLE 19286
QUALCOMM INC. COM 747525103 93 750 SH DEFINED 450 300
RALSTON - RALSTON PURINA GR COM 751277302 203 7633 SH SOLE 7633
RAYTHEON CO CL B COM 755111408 63 1077 SH SOLE 1077
RAYTHEON CO CL B COM 755111408 140 2400 SH DEFINED 2400
ROXALANA LAND CO COM 779991579 506 96 SH SOLE 96
ROYAL BK SCOTLAND 7.25% PFD SE PREFERRED 780097879 237 9500 SH SOLE 9500
ROYAL BK SCOTLAND 7.25% PFD SE PREFERRED 780097879 87 3500 SH DEFINED 500 3000
ROYAL DUTCH PETE CO NY REGISTR COM 780257804 293 5650 SH SOLE 5650
SBC COMMUNICATIONS INC COM COM 78387G103 2145 45465 SH SOLE 43658 1807
SBC COMMUNICATIONS INC COM COM 78387G103 1195 25332 SH DEFINED 23787 651 894
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 1123 45400 SH SOLE 45400
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 61 2500 SH DEFINED 2500
SAFEWAY INC COM 786514208 486 9472 SH SOLE 8734 738
SAFEWAY INC COM 786514208 66 1300 SH DEFINED 1300
SCHERING PLOUGH CORP CO COM 806605101 2096 37945 SH SOLE 37945
SCHERING PLOUGH CORP CO COM 806605101 1752 31720 SH DEFINED 23320 8400
SCHLUMBERGER LTD CO COM 806857108 3659 60806 SH SOLE 58306 2500
SCHLUMBERGER LTD CO COM 806857108 400 6650 SH DEFINED 6650
SEARS ROEBUCK & CO CO COM 812387108 43 952 SH SOLE 816 136
SEARS ROEBUCK & CO CO COM 812387108 173 3847 SH DEFINED 700 3147
SEPRACOR INC (RESTRICTED) COM 817315104 234 2087 SH SOLE 2087
SKY FINL GROUP INC COM 83080P103 324 12005 SH DEFINED 12005
SOUTH VALLEY BRANCH COM 836730101 211 5006 SH SOLE 5006
SOUTHERN CORP 6.875% DUE 12/31 PREFERRED 842637209 171 7000 SH SOLE 7000
SOUTHERN CORP 6.875% DUE 12/31 PREFERRED 842637209 48 2000 SH DEFINED 2000
SOUTHWEST AIRLS CO CO COM 844741108 336 11112 SH SOLE 10464 648
SOUTHWEST AIRLS CO CO COM 844741108 30 1000 SH DEFINED 1000
SPRINT CORP CO COM 852061100 185 1890 SH SOLE 1890
SPRINT CORP CO COM 852061100 19 200 SH DEFINED 200
SPRINT CORPORATION PCS GROUP COM 852061506 1789 40385 SH SOLE 39885 500
SPRINT CORPORATION PCS GROUP COM 852061506 53 1210 SH DEFINED 1210
SUN MICROSYSTEMS INC CO COM 866810104 1994 15946 SH SOLE 15946
SUN MICROSYSTEMS INC CO COM 866810104 40 320 SH DEFINED 320
SUNTRUST BKS INC CO COM 867914103 311 5000 SH SOLE 5000
SUNTRUST BKS INC CO COM 867914103 80 1300 SH DEFINED 1300
TECO ENERGY INC CO COM 872375100 105 5300 SH SOLE 5300
TECO ENERGY INC CO COM 872375100 117 5900 SH DEFINED 5900
TENNESSEE VALLEY AUTH QU PREFERRED 880591102 203 8000 SH SOLE 8000
TENNESSEE VALLEY AUTH QU PREFERRED 880591201 295 11575 SH SOLE 10600 975
TEXACO INC CO COM 881694103 1097 19345 SH SOLE 19345
TEXACO INC CO COM 881694103 440 7765 SH DEFINED 5450 1600 715
TIME WARNER INC CO COM 887315109 2813 39738 SH SOLE 39338 400
TIME WARNER INC CO COM 887315109 128 1820 SH DEFINED 1520 300
TRICON GLOBAL RESTAURANTS INC COM 895953107 268 3820 SH SOLE 3660 160
TRICON GLOBAL RESTAURANTS INC COM 895953107 28 400 SH DEFINED 320 40 40
TRIBUNE CO NEW CO COM 896047107 698 10670 SH SOLE 10172 498
TRIBUNE CO NEW CO COM 896047107 26 400 SH DEFINED 400
TYCO INTL LTD (NEW) COM 902124106 53 744 SH SOLE 744
TYCO INTL LTD (NEW) COM 902124106 669 9326 SH DEFINED 9326
UNION CARBIDE CORP CO COM 905581104 73 1616 SH SOLE 1574 42
UNION CARBIDE CORP CO COM 905581104 193 4283 SH DEFINED 2583 1700
UNITED BANKSHARES INC WEST VCO COM 909907107 38597 1687320 SH SOLE 1558956 128364
UNITED BANKSHARES INC WEST VCO COM 909907107 9504 415496 SH DEFINED 277459 87860 50177
US WEST INC NEW COM 91273H101 323 5867 SH SOLE 5818 49
US WEST INC NEW COM 91273H101 204 3721 SH DEFINED 3656 65
UNITED TECHNOLOGIES CORP CO COM 913017109 596 4406 SH SOLE 4056 350
UNITED TECHNOLOGIES CORP CO COM 913017109 155 1150 SH DEFINED 1150
WACHOVIA CORP CO COM 929771103 674 8310 SH SOLE 7760 550
WACHOVIA CORP CO COM 929771103 40 500 SH DEFINED 100 400
WAL MART STORES INC CO COM 931142103 363 3941 SH SOLE 3741 200
WAL MART STORES INC CO COM 931142103 225 2450 SH DEFINED 2450
WALGREEN CO CO COM 931422109 163 5800 SH SOLE 5800
WALGREEN CO CO COM 931422109 90 3200 SH DEFINED 2400 800
WARNER LAMBERT CO CO COM 934488107 801 12100 SH SOLE 12100
WARNER LAMBERT CO CO COM 934488107 1879 28372 SH DEFINED 24780 3592
WASTE MANAGEMENT INC NEW COM 94106L109 208 4700 SH SOLE 4483 217
WASTE MANAGEMENT INC NEW COM 94106L109 16 362 SH DEFINED 362
WESBANCO INC CO COM 950810101 704 23384 SH SOLE 22584 800
WESBANCO INC CO COM 950810101 550 18278 SH DEFINED 18004 274
WV COAL LAND CO COM 954991576 476 301 SH SOLE 301
WV COAL LAND CO COM 954991576 9 6 SH DEFINED 6
WILLIAMS HOLDINGS OF DEL COM 969457100 1649 41766 SH SOLE 41766
WILLIAMS HOLDINGS OF DEL COM 969457100 94 2400 SH DEFINED 1700 700
XEROX CORP CO COM 984121103 447 8585 SH SOLE 7785 800
XEROX CORP CO COM 984121103 527 10120 SH DEFINED 9620 500
ZIONS BANCORP COM 989701107 877 13192 SH SOLE 13192
MAHONE REALTY CORP COM 993000140 297 72000 SH SOLE 72000
FIRST CAPITAL BANK OF KENTUCKY COM 993001379 0 25 SH SOLE 25
FIRST CAPITAL BANK OF KENTUCKY COM 993001379 250 12537 SH DEFINED 12537
SMC ELECTRICAL PRODUCTS, INC. COM 993001486 2975 43755 SH DEFINED 20800 22955
FAHLGREN, INC. COM 993001502 374 490 SH SOLE 164 326
FIRST NATIONAL BANK OF WILLIAM COM 993001510 442 347 SH SOLE 347
DAIMLER CHRYSLER AG ORD COM D1668R123 164 1922 SH SOLE 1336 586
DAIMLER CHRYSLER AG ORD COM D1668R123 176 2056 SH DEFINED 1620 436
</TABLE>
