[SUBMISSION-CONTACT]
[NAME] CATHERINE HOUSER
[PHONE] 304-424-8751
[TYPE] 13F-HR
[DESCRIPTION] Form 13F Holding Report
[TEXT] UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/99
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: BRETT STAPLES
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:
BRETT STAPLES PARKERSBURG, WV JANUARY 03, 2000
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: 327
Form 13F Information Table Entry Total: $479,714
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 2287 45026 SH SOLE 42745 2281
AT&T CORP CO COM 001957109 2059 40529 SH DEFINED 37511 618 2400
ABBOTT LABS CO COM 002824100 738 20350 SH SOLE 14150 6200
ABBOTT LABS CO COM 002824100 2006 55256 SH DEFINED 50856 4400
ABN AMRO CAP FDG TR II COMMON PREFERRED 00371T206 269 13600 SH SOLE 13100 500
ADAPTEC 4.75% DUE 02/01/04 CONV DEB 00651FAC2 668 615000 PRN SOLE 615000
ADOBE SYSTEMS INC DELEWARE CO COM 00724F101 1450 21565 SH SOLE 21565
ADOBE SYSTEMS INC DELEWARE CO COM 00724F101 28 430 SH DEFINED 430
ALCOA INC COM 013817101 1858 22396 SH SOLE 20996 1400
ALCOA INC COM 013817101 49 600 SH DEFINED 200 400
ALLEGHENY ENERGY INC COM 017361106 330 12262 SH SOLE 12262
ALLEGHENY ENERGY INC COM 017361106 107 3978 SH DEFINED 3978
ALLIANCE CAP MGMT HLDG L P COM 01855A101 275 9200 SH SOLE 8700 500
ALLIANCE CAP MGMT HLDG L P COM 01855A101 71 2400 SH DEFINED 2400
AMERICA ONLINE INC DEL COM 02364J104 726 9578 SH SOLE 9578
AMERICA ONLINE INC DEL COM 02364J104 506 6670 SH DEFINED 5280 1390
AMERICAN ELEC PWR INC CO COM 025537101 417 12983 SH SOLE 12583 400
AMERICAN ELEC PWR INC CO COM 025537101 288 8972 SH DEFINED 8172 800
AMERICAN EXPRESS CO CO COM 025816109 280 1689 SH SOLE 1689
AMERICAN EXPRESS CO CO COM 025816109 282 1700 SH DEFINED 900 800
AMERICAN HOME PRODS CORP CO COM 026609107 4554 116050 SH SOLE 115330 720
AMERICAN HOME PRODS CORP CO COM 026609107 5093 129768 SH DEFINED 89820 28068 11880
AMERICAN INTL GROUP INC CO COM 026874107 6565 60717 SH SOLE 60655 62
AMERICAN INTL GROUP INC CO COM 026874107 626 5792 SH DEFINED 4330 1462
AMERITECH CORP NEW CO COM 030954101 218 3200 SH SOLE 3200
AMGEN INC CO COM 031162100 464 7734 SH SOLE 7734
AMGEN INC CO COM 031162100 66 1100 SH DEFINED 1100
ANHEUSER BUSCH COS INC CO COM 035229103 85 1200 SH SOLE 1200
ANHEUSER BUSCH COS INC CO COM 035229103 864 12200 SH DEFINED 12200
APPLIED MATLS INC CO COM 038222105 2727 21531 SH SOLE 21431 100
APPLIED MATLS INC CO COM 038222105 162 1280 SH DEFINED 1280
ARGOSY MINERALS INC COMMON COM 040234106 5 37950 SH DEFINED 37950
ATLANTIC RICHFIELD CO CO COM 048825103 255 2950 SH SOLE 2650 300
ATLANTIC RICHFIELD CO CO COM 048825103 328 3800 SH DEFINED 3800
AUTOMATIC DATA PROCESSING INCO COM 053015103 156 2900 SH SOLE 2150 750
AUTOMATIC DATA PROCESSING INCO COM 053015103 948 17600 SH DEFINED 13600 4000
BP AMOCO P L C SPONSORED ADR COM 055622104 3257 54928 SH SOLE 54400 528
BP AMOCO P L C SPONSORED ADR COM 055622104 3647 61496 SH DEFINED 61232 264
BANK AMER CORP COM 060505104 2550 50816 SH SOLE 50816
BANK AMER CORP COM 060505104 277 5523 SH DEFINED 4123 1200 200
BANK NEW YORK INC CO COM 064057102 569 14240 SH SOLE 14240
BANK NEW YORK INC CO COM 064057102 96 2400 SH DEFINED 2400
BANK ONE CORP COM 06423A103 777 24301 SH SOLE 22801 1500
BANK ONE CORP COM 06423A103 2787 87120 SH DEFINED 84422 2698
BAXTER INTL INC CO COM 071813109 100 1600 SH SOLE 1000 600
BAXTER INTL INC CO COM 071813109 131 2100 SH DEFINED 1500 600
BELL ATLANTIC CORP CO COM 077853109 2266 36821 SH SOLE 36201 620
BELL ATLANTIC CORP CO COM 077853109 1546 25121 SH DEFINED 22865 1206 1050
BELLSOUTH CORP CO COM 079860102 2863 61164 SH SOLE 60648 516
BELLSOUTH CORP CO COM 079860102 1126 24060 SH DEFINED 21088 1972 1000
BERKSHIRE HATHAWAY CL A COM 084670108 897 16 SH SOLE 16
BERKSHIRE HATHAWAY INC CL B COM 084670207 212 116 SH SOLE 111 5
BERKSHIRE HATHAWAY INC CL B COM 084670207 34 19 SH DEFINED 19
BIOGEN INC CO COM 090597105 1254 14852 SH SOLE 14352 500
BIOGEN INC CO COM 090597105 80 950 SH DEFINED 950
BOEING CO CO COM 097023105 49 1200 SH SOLE 700 500
BOEING CO CO COM 097023105 195 4720 SH DEFINED 4720
BOSTON SCIENTIFIC CORP CO COM 101137107 375 17150 SH SOLE 16500 650
BOSTON SCIENTIFIC CORP CO COM 101137107 10 500 SH DEFINED 500
BRISTOL MYERS SQUIBB COM 110122108 11955 186255 SH SOLE 184155 2100
BRISTOL MYERS SQUIBB COM 110122108 10638 165743 SH DEFINED 158518 3750 3475
CBS CORP COM 12490K107 466 7300 SH SOLE 7300
CBS CORP COM 12490K107 385 6035 SH DEFINED 5835 200
CIGNA CORP CO COM 125509109 277 3450 SH DEFINED 1350 2100
CNA SURETY CORP COM 12612L108 294 22634 SH DEFINED 22634
CSX CORP CO COM 126408103 482 15364 SH SOLE 14964 400
CSX CORP CO COM 126408103 295 9410 SH DEFINED 9010 400
CHASE MANHATTAN CORP NEW CO COM 16161A108 38 500 SH SOLE 500
CHASE MANHATTAN CORP NEW CO COM 16161A108 250 3226 SH DEFINED 3226
CHEVRON CORPORATION CO COM 166751107 2605 30074 SH SOLE 30074
CHEVRON CORPORATION CO COM 166751107 2074 23944 SH DEFINED 23544 400
CIENA CORP COMMON COM 171779101 2340 40704 SH SOLE 40254 450
CIENA CORP COMMON COM 171779101 75 1320 SH DEFINED 1320
CISCO SYS INC CO COM 17275R102 13986 130563 SH SOLE 127253 3310
CISCO SYS INC CO COM 17275R102 1627 15196 SH DEFINED 13532 900 764
CITIGROUP INC COM 172967101 9003 161678 SH SOLE 156868 4810
CITIGROUP INC COM 172967101 1349 24234 SH DEFINED 22411 998 825
CITY HLDG CO CO COM 177835105 256 18294 SH SOLE 17294 1000
CITY HLDG CO CO COM 177835105 83 5946 SH DEFINED 5946
COCA COLA CO CO COM 191216100 429 7380 SH SOLE 6930 450
COCA COLA CO CO COM 191216100 1182 20300 SH DEFINED 16700 3600
COMCAST CORP CL A CL COM 200300200 2250 44503 SH SOLE 44328 175
COMCAST CORP CL A CL COM 200300200 64 1277 SH DEFINED 1277
COMMUNITY BK NATL ASSN COM 203564109 811 60075 SH SOLE 60075
COMPAQ COMPUTER CORP CO COM 204493100 146 5395 SH SOLE 4645 750
COMPAQ COMPUTER CORP CO COM 204493100 57 2125 SH DEFINED 1825 300
COMPUTER ASSOC INTL INC CO COM 204912109 279 4000 SH SOLE 3150 850
COMPUTER ASSOC INTL INC CO COM 204912109 48 700 SH DEFINED 700
CONSOLIDATED EDISON INC COM 209115104 293 8517 SH SOLE 8517
CONSOLIDATED EDISON INC COM 209115104 56 1650 SH DEFINED 1650
CONSOLIDATED NAT GAS CO COM 209615103 1497 23066 SH SOLE 23066
CONSOLIDATED NAT GAS CO COM 209615103 606 9332 SH DEFINED 9332
CORNING INC COMMON COM 219350105 5815 45104 SH SOLE 45004 100
CORNING INC COMMON COM 219350105 203 1575 SH DEFINED 1575
DELL COMPUTER CORP COM 247025109 650 12750 SH SOLE 12450 300
DELL COMPUTER CORP COM 247025109 120 2365 SH DEFINED 600 1765
DISNEY WALT CO DEL CO COM 254687106 1478 50541 SH SOLE 49541 1000
DISNEY WALT CO DEL CO COM 254687106 651 22273 SH DEFINED 22273
DOUBLECLICK INC. CO COM 258609304 253 1002 SH SOLE 1002
DOW CHEMICAL COMPANY CO COM 260543103 862 6454 SH SOLE 6454
DOW CHEMICAL COMPANY CO COM 260543103 676 5062 SH DEFINED 3422 1640
DU PONT E I DE NEMOURS CO COM 263534109 1314 19960 SH SOLE 18130 1830
DU PONT E I DE NEMOURS CO COM 263534109 2233 33911 SH DEFINED 23344 7675 2892
DUKE POWER CO CO COM 264399106 128 2567 SH SOLE 2567
DUKE POWER CO CO COM 264399106 98 1972 SH DEFINED 1972
EMC CORPORATION COM 268648102 180 1655 SH SOLE 1655
EMC CORPORATION COM 268648102 243 2230 SH DEFINED 1130 1100
EASTMAN KODAK CO CO COM 277461109 110 1662 SH SOLE 1512 150
EASTMAN KODAK CO CO COM 277461109 152 2300 SH DEFINED 2300
EATON CORP CO COM 278058102 127 1750 SH SOLE 1750
EATON CORP CO COM 278058102 159 2200 SH DEFINED 2200
EDISON INTL CO COM 281020107 208 7980 SH SOLE 7580 400
EDISON INTL CO COM 281020107 68 2600 SH DEFINED 2600
ELECTRONIC DATA SYS NEW CO COM 285661104 46 688 SH SOLE 688
ELECTRONIC DATA SYS NEW CO COM 285661104 190 2852 SH DEFINED 752 2100
EMERSON ELEC CO CO COM 291011104 362 6316 SH SOLE 5516 800
EMERSON ELEC CO CO COM 291011104 45 798 SH DEFINED 798
EMISPHERE TECHNOLOGIES COMM COM 291345106 330 11000 SH DEFINED 11000
ENRON CORP CO COM 293561106 2724 61386 SH SOLE 60736 650
ENRON CORP CO COM 293561106 175 3950 SH DEFINED 3950
EXXON CORP CO COM 302290101 881 11112 SH SOLE 11112
EXXON MOBIL CORP COM 30231G102 11923 147996 SH SOLE 143430 4566
EXXON MOBIL CORP COM 30231G102 10694 132751 SH DEFINED 125734 1959 5058
FPL GROUP INC CO COM 302571104 288 6750 SH SOLE 6750
FPL GROUP INC CO COM 302571104 96 2250 SH DEFINED 2250
FNMA COMMON COM 313586109 2144 34340 SH SOLE 33350 990
FNMA COMMON COM 313586109 357 5730 SH DEFINED 5605 125
FIFTH THIRD BANCORP CO COM 316773100 1031 14055 SH SOLE 14055
FIFTH THIRD BANCORP CO COM 316773100 97 1335 SH DEFINED 1335
FIRST UN CORP CO COM 337358105 336 10211 SH SOLE 9811 400
FIRST UN CORP CO COM 337358105 169 5135 SH DEFINED 4260 875
FLEET BOSTON FINANCIAL CORP COM 339030108 1320 37928 SH SOLE 37780 148
FLEET BOSTON FINANCIAL CORP COM 339030108 139 4019 SH DEFINED 3419 600
FORD MTR CO DEL CO COM 345370100 248 4660 SH SOLE 4660
FORD MTR CO DEL CO COM 345370100 107 2020 SH DEFINED 2020
FORTUNE BRANDS INC. COM 349631101 161 4876 SH SOLE 3376 1500
FORTUNE BRANDS INC. COM 349631101 41 1266 SH DEFINED 590 676
FREQUENCY ELECTRONICS COM 358010106 123 11950 SH SOLE 11950
GTE CORP CO COM 362320103 1141 16172 SH SOLE 15872 300
GTE CORP CO COM 362320103 211 3000 SH DEFINED 3000
GENERAL ELEC CO CO COM 369604103 16730 108114 SH SOLE 101489 6625
GENERAL ELEC CO CO COM 369604103 18100 116969 SH DEFINED 102775 6030 8164
GENERAL MINERALS CORPORATION COM 369905104 4 10300 SH DEFINED 10300
GENERAL INSTR CORP DEL CO COM 370120107 718 8458 SH SOLE 8358 100
GENERAL INSTR CORP DEL CO COM 370120107 127 1500 SH DEFINED 1500
GENERAL MTRS CORP CO COM 370442105 559 7700 SH SOLE 7700
GENERAL MTRS CORP CO COM 370442105 459 6315 SH DEFINED 6315
GENTEK INC COMMON COM 37245X104 127 12175 SH SOLE 2775 9400
GILLETTE COMPANY COM 375766102 687 16682 SH SOLE 16682
GILLETTE COMPANY COM 375766102 501 12175 SH DEFINED 7875 400 3900
GLAXO WELLCOME PLC COM 37733W105 22 400 SH SOLE 400
GLAXO WELLCOME PLC COM 37733W105 229 4100 SH DEFINED 4100
HARLEY DAVIDSON INC COM 412822108 1746 27260 SH SOLE 27060 200
HARLEY DAVIDSON INC COM 412822108 38 600 SH DEFINED 600
HEINZ H J CO CO COM 423074103 38 961 SH SOLE 961
HEINZ H J CO CO COM 423074103 211 5306 SH DEFINED 5006 300
HEWLETT PACKARD COMPANY COM 428236103 721 6346 SH SOLE 6346
HEWLETT PACKARD COMPANY COM 428236103 324 2850 SH DEFINED 1800 1050
HOME DEPOT INC CO COM 437076102 1015 14770 SH SOLE 13870 900
HOME DEPOT INC CO COM 437076102 894 13006 SH DEFINED 10013 2993
HARVEY HUBBELL, INCORPORATED COM 443510201 8380 307545 SH DEFINED 157349 150196
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 214 8977 SH SOLE 8977
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 748 31365 SH DEFINED 29783 1582
INGERSOLL RAND CO CO COM 456866102 44 800 SH SOLE 800
INGERSOLL RAND CO CO COM 456866102 238 4330 SH DEFINED 1330 3000
INTEL CORP COM 458140100 5667 68847 SH SOLE 68492 355
INTEL CORP COM 458140100 1661 20185 SH DEFINED 18025 200 1960
INTERNATIONAL BUSINESS MACHINE COM 459200101 1909 17700 SH SOLE 16310 1390
INTERNATIONAL BUSINESS MACHINE COM 459200101 2060 19104 SH DEFINED 17426 1678
INTL PAPER CO CO COM 460146103 106 1880 SH SOLE 1880
INTL PAPER CO CO COM 460146103 313 5561 SH DEFINED 3570 1991
INT'L SPEEDWAY CORP COMMON COM 460335201 1022 20290 SH SOLE 20290
INT'L SPEEDWAY CORP COMMON COM 460335201 30 600 SH DEFINED 600
INTERPUBLIC GROUP COS INC COM 460690100 150 2614 SH SOLE 2614
INTERPUBLIC GROUP COS INC COM 460690100 109 1900 SH DEFINED 1900
JOHNSON & JOHNSON CO COM 478160104 1493 16020 SH SOLE 15220 800
JOHNSON & JOHNSON CO COM 478160104 1272 13650 SH DEFINED 10250 1900 1500
KANAWHA VILLAGE APARTMENTS COM 482991577 247 1300 SH DEFINED 1300
ELI LILLY & CO COMM COM 532457108 1158 17424 SH SOLE 17324 100
ELI LILLY & CO COMM COM 532457108 257 3865 SH DEFINED 2065 1800
LINEAR TECHNOLOGY CORP COM 535678106 1660 23209 SH SOLE 23109 100
LINEAR TECHNOLOGY CORP COM 535678106 36 510 SH DEFINED 510
LUCENT TECHNOLOGIES INC CO COM 549463107 7935 105808 SH SOLE 102330 3478
LUCENT TECHNOLOGIES INC CO COM 549463107 4213 56181 SH DEFINED 49893 2768 3520
MBNA CORPORATION COM 55262L100 1075 39450 SH SOLE 39225 225
MBNA CORPORATION COM 55262L100 43 1600 SH DEFINED 1600
MCI WORLDCOM INC COM 55268B106 4725 89052 SH SOLE 86204 2848
MCI WORLDCOM INC COM 55268B106 539 10170 SH DEFINED 6945 3225
MCDONALDS CORP CO COM 580135101 171 4250 SH SOLE 3850 400
MCDONALDS CORP CO COM 580135101 389 9650 SH DEFINED 6250 3400
MEDIAONE GROUP INC COM 58440J104 637 8300 SH SOLE 8252 48
MEDIAONE GROUP INC COM 58440J104 169 2206 SH DEFINED 2162 44
MEDTRONIC INC CO COM 585055106 2443 67069 SH SOLE 64257 2812
MEDTRONIC INC CO COM 585055106 538 14790 SH DEFINED 9790 1800 3200
MERCK & CO INC CO COM 589331107 4227 62917 SH SOLE 62667 250
MERCK & CO INC CO COM 589331107 2501 37230 SH DEFINED 35030 100 2100
MERRILL LYNCH & CO COM 590188108 210 2525 SH SOLE 2525
MERRILL LYNCH & CO COM 590188108 108 1300 SH DEFINED 1100 200
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 4 200 SH SOLE 200
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 211 9400 SH DEFINED 9400
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 178 9000 SH SOLE 9000
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 99 5000 SH DEFINED 5000
MICROSOFT CORP CO COM 594918104 10424 89291 SH SOLE 87136 2155
MICROSOFT CORP CO COM 594918104 2993 25640 SH DEFINED 18810 200 6630
MINNESOTA MNG & MFG CO CO COM 604059105 1760 17992 SH SOLE 17692 300
MINNESOTA MNG & MFG CO CO COM 604059105 1738 17764 SH DEFINED 16264 800 700
MONSANTO CO CO COM 611662107 1327 37466 SH SOLE 37316 150
MONSANTO CO CO COM 611662107 398 11245 SH DEFINED 11245
MORGAN J P & CO INC CO COM 616880100 188 1490 SH SOLE 1490
MORGAN J P & CO INC CO COM 616880100 110 875 SH DEFINED 675 200
PERQS EXC MICROSYSTEMS INC CO COM 617446240 120 15000 SH SOLE 15000
MORGAN STANLEY DEAN WITTER DIS COM 617446448 2367 16587 SH SOLE 16512 75
MORGAN STANLEY DEAN WITTER DIS COM 617446448 278 1952 SH DEFINED 1852 100
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 954 48000 SH SOLE 48000
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 104 5250 SH DEFINED 3250 2000
MOTOROLA INC CO COM 620076109 665 4518 SH SOLE 4518
MOTOROLA INC CO COM 620076109 412 2800 SH DEFINED 2600 200
MYLAN LABS INC CO COM 628530107 243 9654 SH SOLE 9554 100
MYLAN LABS INC CO COM 628530107 20 800 SH DEFINED 800
NEVSUN RESOURCES LTD COM 64156L101 7 18000 SH DEFINED 18000
NOKIA CORP ADR "A" COM 654902204 3917 20504 SH SOLE 20429 75
NOKIA CORP ADR "A" COM 654902204 84 440 SH DEFINED 440
NORFOLK SOUTHERN CORP CO COM 655844108 189 9266 SH SOLE 9266
NORFOLK SOUTHERN CORP CO COM 655844108 141 6926 SH DEFINED 3926 3000
NORTEL NETWORKS CORP COMMON COM 656569100 5263 52112 SH SOLE 51762 350
NORTEL NETWORKS CORP COMMON COM 656569100 282 2800 SH DEFINED 2800
ONE VY BANCORP WEST VA INC CO COM 682419106 389 12733 SH SOLE 12733
ONE VY BANCORP WEST VA INC CO COM 682419106 1757 57393 SH DEFINED 57393
ORACLE CORP CO COM 68389X105 5663 50535 SH SOLE 49935 600
ORACLE CORP CO COM 68389X105 989 8832 SH DEFINED 6032 2800
PE CORP COM PE BIOSYSTEMS COMM COM 69332S102 4471 37168 SH SOLE 36593 575
PE CORP COM PE BIOSYSTEMS COMM COM 69332S102 224 1868 SH DEFINED 1070 798
PE CORP COM CELERA GENOMICS GP COM 69332S201 1292 8676 SH SOLE 8626 50
PE CORP COM CELERA GENOMICS GP COM 69332S201 63 429 SH DEFINED 230 199
PPG INDS INC CO COM 693506107 329 5260 SH SOLE 5260
PPG INDS INC CO COM 693506107 145 2323 SH DEFINED 723 1600
PEPSICO INC CO COM 713448108 786 22310 SH SOLE 20210 2100
PEPSICO INC CO COM 713448108 561 15940 SH DEFINED 13240 800 1900
PFIZER INC CO COM 717081103 2369 73052 SH SOLE 70452 2600
PFIZER INC CO COM 717081103 427 13170 SH DEFINED 3470 200 9500
PHILIP MORRIS COS INC CO COM 718154107 769 33468 SH SOLE 32868 600
PHILIP MORRIS COS INC CO COM 718154107 263 11448 SH DEFINED 6798 1800 2850
POWER FINANCIAL CORPORATION COM 73927C100 245 10236 SH SOLE 10236
PROCTER & GAMBLE CO CO COM 742718109 3833 34988 SH SOLE 33388 1600
PROCTER & GAMBLE CO CO COM 742718109 6257 57116 SH DEFINED 49830 1500 5786
QUALCOMM INC. COM 747525103 17697 100480 SH SOLE 100340 140
QUALCOMM INC. COM 747525103 669 3800 SH DEFINED 1400 2400
RALSTON - RALSTON PURINA GR COM 751277302 242 8705 SH SOLE 8705
RAPID AMERICAN DEBS 7.00% DUE COM 753329AB7 0 28900 SH SOLE 28900
ROXALANA LAND CO COM 779991579 506 96 SH SOLE 96
ROYAL BK SCOTLAND 7.25% PFD SE PREFERRED 780097879 176 9500 SH SOLE 9500
ROYAL BK SCOTLAND 7.25% PFD SE PREFERRED 780097879 64 3500 SH DEFINED 500 3000
ROYAL DUTCH PETE CO NY REGISTR COM 780257804 314 5200 SH SOLE 5200
SBC COMMUNICATIONS INC COM COM 78387G103 3018 61921 SH SOLE 60325 1596
SBC COMMUNICATIONS INC COM COM 78387G103 1800 36936 SH DEFINED 35853 1083
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 822 40600 SH SOLE 40600
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 91 4500 SH DEFINED 4500
SCHERING PLOUGH CORP CO COM 806605101 993 23436 SH SOLE 23436
SCHERING PLOUGH CORP CO COM 806605101 1262 29800 SH DEFINED 22325 7475
SCHLUMBERGER LTD CO COM 806857108 3155 56220 SH SOLE 53870 2350
SCHLUMBERGER LTD CO COM 806857108 322 5745 SH DEFINED 5745
SEPRACOR, INC. COM 817315104 277 2802 SH SOLE 2802
SKY FINL GROUP INC COM 83080P103 543 27019 SH DEFINED 27019
SOUTHWEST AIRLS CO CO COM 844741108 222 13815 SH SOLE 12990 825
SPRINT CORP CO COM 852061100 227 3380 SH SOLE 3380
SPRINT CORP CO COM 852061100 26 400 SH DEFINED 400
SPRINT CORPORATION PCS GROUP COM 852061506 4618 45058 SH SOLE 44458 600
SPRINT CORPORATION PCS GROUP COM 852061506 186 1820 SH DEFINED 1820
SUN MICROSYSTEMS INC CO COM 866810104 5324 68758 SH SOLE 67858 900
SUN MICROSYSTEMS INC CO COM 866810104 153 1980 SH DEFINED 1980
SUNTRUST BKS INC CO COM 867914103 333 4850 SH SOLE 4850
SUNTRUST BKS INC CO COM 867914103 89 1300 SH DEFINED 1300
SYSCO CORP CO COM 871829107 215 5456 SH SOLE 5456
TENNESSEE VALLEY AUTH QU PREFERRED 880591201 248 10800 SH SOLE 10800
TENNESSEE VALLEY AUTH QU PREFERRED 880591201 22 975 SH DEFINED 975
TENN VALLEY AUTH 6.50 05/01/29 PREFERRED 880591409 124 6000 SH SOLE 6000
TENN VALLEY AUTH 6.50 05/01/29 PREFERRED 880591409 83 4000 SH DEFINED 4000
TEXACO INC CO COM 881694103 1088 20047 SH SOLE 20047
TEXACO INC CO COM 881694103 467 8607 SH DEFINED 6300 1600 707
TEXAS INSTRS INC CO COM 882508104 2153 22284 SH SOLE 22134 150
TEXAS INSTRS INC CO COM 882508104 127 1316 SH DEFINED 1316
TIME WARNER INC CO COM 887315109 3060 42325 SH SOLE 41825 500
TIME WARNER INC CO COM 887315109 164 2280 SH DEFINED 1980 300
TRIBUNE CO NEW CO COM 896047107 1112 20200 SH SOLE 19400 800
TYCO INTL LTD (NEW) COM 902124106 1441 36956 SH SOLE 35856 1100
TYCO INTL LTD (NEW) COM 902124106 783 20093 SH DEFINED 19680 413
UNION CARBIDE CORP CO COM 905581104 164 2466 SH SOLE 2424 42
UNION CARBIDE CORP CO COM 905581104 279 4183 SH DEFINED 2483 1700
UNITED BANKSHARES INC WEST VCO COM 909907107 47167 1975616 SH SOLE 1850786 124830
UNITED BANKSHARES INC WEST VCO COM 909907107 8321 348556 SH DEFINED 224779 87860 35917
US WEST INC NEW COM 91273H101 510 7097 SH SOLE 7048 49
US WEST INC NEW COM 91273H101 186 2585 SH DEFINED 2541 44
UNITED TECHNOLOGIES CORP CO COM 913017109 526 8098 SH SOLE 7798 300
UNITED TECHNOLOGIES CORP CO COM 913017109 78 1200 SH DEFINED 1200
VISUAL NETWORKS INC. COM 928444108 276 3494 SH SOLE 3494
VODAFONE AIRTOUCH PUBLIC LTS C COM 92857T107 1118 22605 SH SOLE 21480 1125
VODAFONE AIRTOUCH PUBLIC LTS C COM 92857T107 703 14213 SH DEFINED 13783 430
WACHOVIA CORP CO COM 929771103 386 5680 SH SOLE 5330 350
WACHOVIA CORP CO COM 929771103 47 700 SH DEFINED 200 400 100
WAL MART STORES INC CO COM 931142103 613 8882 SH SOLE 8482 400
WAL MART STORES INC CO COM 931142103 457 6625 SH DEFINED 6225 400
WALGREEN CO CO COM 931422109 251 8600 SH SOLE 8600
WALGREEN CO CO COM 931422109 190 6500 SH DEFINED 5700 800
WARNER LAMBERT CO CO COM 934488107 979 11950 SH SOLE 11950
WARNER LAMBERT CO CO COM 934488107 2370 28927 SH DEFINED 25335 3592
WESBANCO INC CO COM 950810101 602 23167 SH SOLE 23167
WESBANCO INC CO COM 950810101 500 19250 SH DEFINED 18976 274
WV COAL LAND CO COM 954991576 485 307 SH SOLE 307
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