UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 09/30/00
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: BRETT STAPLES
Title: VICE-PRESIDENT & MTI
Phone: 304-348-8362
Signature, Place, and Date of Signing:
UNITED NATIONAL BANK PARKERSBURG, WV OCTOBER 02, 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: 301
Form 13F Information Table Entry Total: $448,164
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 3036 103383 SH SOLE 101182 2201
AT&T CORP CO COM 001957109 1245 42416 SH DEFINED 38997 2369 1050
ABBOTT LABS CO COM 002824100 549 11550 SH SOLE 11550
ABBOTT LABS CO COM 002824100 2276 47856 SH DEFINED 43456 4400
ADAPTEC 4.75% DUE 02/01/04 CONV DEB 00651FAC2 212 250000 PRN SOLE 250000
ADOBE SYSTEMS INC DELEWARE CO COM 00724F101 3640 23450 SH SOLE 23450
ADOBE SYSTEMS INC DELEWARE CO COM 00724F101 41 265 SH DEFINED 265
AGILENT TECHNOLOGIES COMMON COM 00846U101 386 7897 SH SOLE 7874 23
AGILENT TECHNOLOGIES COMMON COM 00846U101 65 1342 SH DEFINED 1342
ALCOA INC COM 013817101 1201 47465 SH SOLE 44665 2800
ALCOA INC COM 013817101 62 2450 SH DEFINED 1650 800
ALLEGHENY ENERGY INC COM 017361106 456 11937 SH SOLE 11937
ALLEGHENY ENERGY INC COM 017361106 147 3856 SH DEFINED 3856
ALLIANCE CAP MGMT HLDG L P COM 01855A101 395 7900 SH SOLE 7900
ALLIANCE CAP MGMT HLDG L P COM 01855A101 182 3650 SH DEFINED 3650
ALZA CORP CO COM 022615108 207 2400 SH DEFINED 2400
AMERICA ONLINE INC DEL COM 02364J104 595 11080 SH SOLE 10680 400
AMERICA ONLINE INC DEL COM 02364J104 347 6460 SH DEFINED 6340 120
AMERICAN ELEC PWR INC CO COM 025537101 703 17962 SH SOLE 17562 400
AMERICAN ELEC PWR INC CO COM 025537101 154 3950 SH DEFINED 3150 800
AMERICAN EXPRESS CO CO COM 025816109 362 5967 SH SOLE 5967
AMERICAN EXPRESS CO CO COM 025816109 24 400 SH DEFINED 400
AMERICAN HOME PRODS CORP CO COM 026609107 6116 108372 SH SOLE 107652 720
AMERICAN HOME PRODS CORP CO COM 026609107 5963 105670 SH DEFINED 94270 10000 1400
AMERICAN INTL GROUP INC CO COM 026874107 8604 89921 SH SOLE 89761 160
AMERICAN INTL GROUP INC CO COM 026874107 781 8162 SH DEFINED 7582 580
AMGEN INC CO COM 031162100 606 8687 SH SOLE 8187 500
AMGEN INC CO COM 031162100 32 470 SH DEFINED 470
ANHEUSER BUSCH COS INC CO COM 035229103 101 2400 SH SOLE 2400
ANHEUSER BUSCH COS INC CO COM 035229103 863 20400 SH DEFINED 20400
APPLIED MATLS INC CO COM 038222105 2449 41306 SH SOLE 40978 328
APPLIED MATLS INC CO COM 038222105 67 1134 SH DEFINED 1134
AUTOMATIC DATA PROCESSING INCO COM 053015103 177 2650 SH SOLE 2300 350
AUTOMATIC DATA PROCESSING INCO COM 053015103 909 13600 SH DEFINED 9600 4000
BB&T CORP COMM COM 054937107 647 21493 SH SOLE 21493
BB&T CORP COMM COM 054937107 2129 70677 SH DEFINED 70677
BP AMOCO P L C SPONSORED ADR COM 055622104 5416 102192 SH SOLE 101172 1020
BP AMOCO P L C SPONSORED ADR COM 055622104 830 15678 SH DEFINED 15578 100
BANK AMER CORP COM 060505104 1902 36332 SH SOLE 36126 206
BANK AMER CORP COM 060505104 242 4623 SH DEFINED 3523 1000 100
BANK NEW YORK INC CO COM 064057102 728 12900 SH SOLE 12900
BANK NEW YORK INC CO COM 064057102 118 2100 SH DEFINED 2100
BANK ONE CORP COM 06423A103 998 26220 SH SOLE 24720 1500
BANK ONE CORP COM 06423A103 2791 73348 SH DEFINED 72850 498
BANKAMERICA CAP IV 7.00% DUE 3 PREFERRED 066044207 209 9520 SH SOLE 9520
BAXTER INTL INC CO COM 071813109 127 1600 SH SOLE 1100 500
BAXTER INTL INC CO COM 071813109 135 1700 SH DEFINED 1100 600
BELLSOUTH CORP CO COM 079860102 2062 50938 SH SOLE 50422 516
BELLSOUTH CORP CO COM 079860102 920 22718 SH DEFINED 19892 1826 1000
BERKSHIRE HATHAWAY CL A COM 084670108 2060 32 SH SOLE 32
BERKSHIRE HATHAWAY INC CL B COM 084670207 621 300 SH SOLE 295 5
BERKSHIRE HATHAWAY INC CL B COM 084670207 16 8 SH DEFINED 8
BIOGEN INC CO COM 090597105 1022 16760 SH SOLE 16260 500
BIOGEN INC CO COM 090597105 4 75 SH DEFINED 75
BOEING CO CO COM 097023105 35 563 SH SOLE 563
BOEING CO CO COM 097023105 282 4500 SH DEFINED 4500
BRISTOL MYERS SQUIBB COM 110122108 9097 158211 SH SOLE 156911 1300
BRISTOL MYERS SQUIBB COM 110122108 8299 144339 SH DEFINED 140264 3450 625
CIGNA CORP CO COM 125509109 219 2100 SH SOLE 2100
CIGNA CORP CO COM 125509109 140 1350 SH DEFINED 1350
CSX CORP CO COM 126408103 212 9752 SH SOLE 8102 1650
CSX CORP CO COM 126408103 172 7914 SH DEFINED 7514 400
CACHEFLOW INC COMMON COM 126946102 177 1240 SH SOLE 1240
CACHEFLOW INC COMMON COM 126946102 27 195 SH DEFINED 195
CAPITAL ONE FINL CORP CO COM 14040H105 234 3350 SH DEFINED 3350
CARDINAL HEALTH INC CO COM 14149Y108 138 1574 SH SOLE 1450 124
CARDINAL HEALTH INC CO COM 14149Y108 263 2992 SH DEFINED 2562 430
CHASE MANHATTAN CORP NEW CO COM 16161A108 244 5289 SH DEFINED 5289
CHASE PFD CAP CORP PREFERRED 161637202 205 8400 SH SOLE 8400
CHEVRON CORPORATION CO COM 166751107 3353 39332 SH SOLE 39332
CHEVRON CORPORATION CO COM 166751107 893 10476 SH DEFINED 10076 400
CIENA CORP COMMON COM 171779101 8941 72802 SH SOLE 72102 700
CIENA CORP COMMON COM 171779101 324 2644 SH DEFINED 2644
CISCO SYS INC CO COM 17275R102 11283 204224 SH SOLE 199424 4800
CISCO SYS INC CO COM 17275R102 1721 31162 SH DEFINED 28612 2050 500
CITIGROUP INC COM 172967101 11410 211053 SH SOLE 207770 3283
CITIGROUP INC COM 172967101 1622 30016 SH DEFINED 27853 1063 1100
CITY HLDG CO CO COM 177835105 80 11139 SH SOLE 10139 1000
CITY HLDG CO CO COM 177835105 42 5946 SH DEFINED 5946
COCA COLA CO CO COM 191216100 668 12135 SH SOLE 11635 500
COCA COLA CO CO COM 191216100 906 16440 SH DEFINED 15540 900
COMCAST CORP CL A CL COM 200300200 1814 44330 SH SOLE 43755 575
COMCAST CORP CL A CL COM 200300200 64 1575 SH DEFINED 1575
COMMUNITY BK NATL ASSN COM 203564109 636 62075 SH SOLE 62075
COMPAQ COMPUTER CORP CO COM 204493100 265 9638 SH SOLE 9288 350
COMPAQ COMPUTER CORP CO COM 204493100 84 3075 SH DEFINED 3075
CONSOLIDATED EDISON INC COM 209115104 177 5186 SH SOLE 5186
CONSOLIDATED EDISON INC COM 209115104 69 2050 SH DEFINED 2050
CORNING INC COMMON COM 219350105 11707 39419 SH SOLE 39359 60
CORNING INC COMMON COM 219350105 476 1605 SH DEFINED 1605
DELL COMPUTER CORP COM 247025109 370 12025 SH SOLE 12025
DELL COMPUTER CORP COM 247025109 63 2075 SH DEFINED 1545 65 465
DISNEY WALT CO DEL CO COM 254687106 1868 48841 SH SOLE 47841 1000
DISNEY WALT CO DEL CO COM 254687106 774 20248 SH DEFINED 20248
DOMINION RES INC VA NEW COM COM 25746U109 1940 33412 SH SOLE 33412
DOMINION RES INC VA NEW COM COM 25746U109 345 5953 SH DEFINED 5953
DOW CHEMICAL COMPANY CO COM 260543103 533 21375 SH SOLE 21375
DOW CHEMICAL COMPANY CO COM 260543103 212 8520 SH DEFINED 8520
DU PONT E I DE NEMOURS CO COM 263534109 774 18942 SH SOLE 17312 1630
DU PONT E I DE NEMOURS CO COM 263534109 1183 28946 SH DEFINED 20204 6650 2092
DUKE ENERGY CORPORATION COM 264399106 209 2441 SH SOLE 2441
DUKE ENERGY CORPORATION COM 264399106 143 1672 SH DEFINED 1672
EMC CORPORATION COM 268648102 640 6440 SH SOLE 6440
EMC CORPORATION COM 268648102 181 1825 SH DEFINED 1825
EATON CORP CO COM 278058102 118 1925 SH SOLE 1350 575
EATON CORP CO COM 278058102 135 2200 SH DEFINED 2200
EMERSON ELEC CO CO COM 291011104 411 6136 SH SOLE 5536 600
EMERSON ELEC CO CO COM 291011104 107 1598 SH DEFINED 1598
ENRON CORP CO COM 293561106 5546 63281 SH SOLE 62881 400
ENRON CORP CO COM 293561106 489 5580 SH DEFINED 5580
ERICSSON L M TEL CO AD COM 294821400 183 12372 SH SOLE 12372
EXTREME NETWORKS INC COM COM 30226D106 182 1595 SH SOLE 1595
EXTREME NETWORKS INC COM COM 30226D106 28 245 SH DEFINED 245
EXXON MOBIL CORP COM 30231G102 15067 169093 SH SOLE 165268 3825
EXXON MOBIL CORP COM 30231G102 7944 89158 SH DEFINED 84484 1874 2800
FPL GROUP INC CO COM 302571104 417 6350 SH SOLE 6350
FPL GROUP INC CO COM 302571104 161 2450 SH DEFINED 2450
FNMA COMMON COM 313586109 3773 52774 SH SOLE 51933 841
FNMA COMMON COM 313586109 428 5990 SH DEFINED 5815 50 125
FIFTH THIRD BANCORP CO COM 316773100 308 5726 SH SOLE 5726
FIFTH THIRD BANCORP CO COM 316773100 76 1427 SH DEFINED 1427
FIRST UN CORP CO COM 337358105 594 18481 SH SOLE 17581 900
FIRST UN CORP CO COM 337358105 199 6185 SH DEFINED 4860 1250 75
FLEET BOSTON FINANCIAL CORP COM 339030108 1834 47041 SH SOLE 46893 148
FLEET BOSTON FINANCIAL CORP COM 339030108 257 6615 SH DEFINED 6215 400
FORD MOTOR COMPANY (NEW) CO COM 345370860 193 7600 SH SOLE 7600
FORD MOTOR COMPANY (NEW) CO COM 345370860 85 3372 SH DEFINED 3372
FREQUENCY ELECTRONICS COM 358010106 274 11950 SH SOLE 11950
GENERAL ELEC CO CO COM 369604103 16522 285786 SH SOLE 275036 10750
GENERAL ELEC CO CO COM 369604103 13858 239715 SH DEFINED 209675 17940 12100
GENERAL MTRS CORP CO COM 370442105 524 8064 SH SOLE 8064
GENERAL MTRS CORP CO COM 370442105 303 4667 SH DEFINED 4667
GILLETTE COMPANY COM 375766102 973 31545 SH SOLE 29045 2500
GILLETTE COMPANY COM 375766102 221 7160 SH DEFINED 6960 200
GLAXO WELLCOME PLC COM 37733W105 54 900 SH SOLE 900
GLAXO WELLCOME PLC COM 37733W105 181 3008 SH DEFINED 3008
HARLEY DAVIDSON INC COM 412822108 2630 54940 SH SOLE 53940 1000
HARLEY DAVIDSON INC COM 412822108 39 822 SH DEFINED 822
HEWLETT PACKARD COMPANY COM 428236103 701 7196 SH SOLE 7134 62
HEWLETT PACKARD COMPANY COM 428236103 219 2250 SH DEFINED 2250
HOME DEPOT INC CO COM 437076102 2457 46419 SH SOLE 44994 1425
HOME DEPOT INC CO COM 437076102 721 13621 SH DEFINED 12628 700 293
HARVEY HUBBELL, INCORPORATED COM 443510201 7832 312505 SH DEFINED 162309 150196
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 665 45332 SH SOLE 45332
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 502 34216 SH DEFINED 32476 1740
HUTTON TELEPHONE TRUST COM 447900101 108 24000 SH SOLE 24000
INTEL CORP COM 458140100 5417 130347 SH SOLE 129257 1090
INTEL CORP COM 458140100 1597 38426 SH DEFINED 37306 520 600
INTERNATIONAL BUSINESS MACHINE COM 459200101 2126 18883 SH SOLE 17693 1190
INTERNATIONAL BUSINESS MACHINE COM 459200101 1926 17102 SH DEFINED 16222 165 715
INTERNATIONAL RECTIFIER CORP COM 460254105 320 6340 SH SOLE 6340
INT'L SPEEDWAY CORP COMMON COM 460335201 400 10278 SH SOLE 9928 350
INT'L SPEEDWAY CORP COMMON COM 460335201 19 500 SH DEFINED 500
JOHNSON & JOHNSON CO COM 478160104 3338 35541 SH SOLE 34561 980
JOHNSON & JOHNSON CO COM 478160104 1384 14735 SH DEFINED 13100 1600 35
KANAWHA VILLAGE APARTMENTS COM 482991577 240 1268 SH DEFINED 400 868
ELI LILLY & CO COMM COM 532457108 682 8412 SH SOLE 8312 100
ELI LILLY & CO COMM COM 532457108 340 4203 SH DEFINED 2403 1800
LINEAR TECHNOLOGY CORP COM 535678106 2581 39875 SH SOLE 39675 200
LINEAR TECHNOLOGY CORP COM 535678106 3 50 SH DEFINED 50
LUCENT TECHNOLOGIES INC CO COM 549463107 3064 100474 SH SOLE 96894 3580
LUCENT TECHNOLOGIES INC CO COM 549463107 1527 50077 SH DEFINED 45086 2287 2704
MBNA CORPORATION COM 55262L100 2449 63616 SH SOLE 63391 225
MBNA CORPORATION COM 55262L100 97 2535 SH DEFINED 1735 800
MCDONALDS CORP CO COM 580135101 120 3983 SH SOLE 3983
MCDONALDS CORP CO COM 580135101 150 5000 SH DEFINED 4600 400
MEDTRONIC INC CO COM 585055106 3730 72003 SH SOLE 69803 2200
MEDTRONIC INC CO COM 585055106 571 11022 SH DEFINED 9422 1400 200
MERCK & CO INC CO COM 589331107 5029 67569 SH SOLE 67173 396
MERCK & CO INC CO COM 589331107 2608 35045 SH DEFINED 32845 100 2100
MERRILL LYNCH & CO COM 590188108 346 5250 SH SOLE 5250
MERRILL LYNCH & CO COM 590188108 231 3500 SH DEFINED 3100 400
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 54 2200 SH SOLE 2200
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 182 7400 SH DEFINED 7400
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 180 8300 SH SOLE 8300
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 60 2800 SH DEFINED 2800
MICROSOFT CORP CO COM 594918104 6243 103524 SH SOLE 101031 2493
MICROSOFT CORP CO COM 594918104 1676 27801 SH DEFINED 22996 475 4330
MINNESOTA MNG & MFG CO CO COM 604059105 1565 17182 SH SOLE 16882 300
MINNESOTA MNG & MFG CO CO COM 604059105 1186 13020 SH DEFINED 11520 800 700
MONTANA POWER COMPANY COM 612085100 1399 41923 SH SOLE 41323 600
MONTANA POWER COMPANY COM 612085100 56 1690 SH DEFINED 1590 100
MORGAN J P & CO INC CO COM 616880100 203 1243 SH SOLE 1243
MORGAN J P & CO INC CO COM 616880100 69 425 SH DEFINED 225 200
PERQS EXC MICROSYSTEMS INC CO COM 617446240 162 15000 SH SOLE 15000
MORGAN STANLEY DEAN WITTER DIS COM 617446448 2940 32162 SH SOLE 31630 532
MORGAN STANLEY DEAN WITTER DIS COM 617446448 494 5404 SH DEFINED 5204 200
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 868 39950 SH SOLE 39950
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 27 1250 SH DEFINED 1250
MOTOROLA INC CO COM 620076109 867 29397 SH SOLE 29397
MOTOROLA INC CO COM 620076109 341 11586 SH DEFINED 11586
NOKIA CORP ADR "A" COM 654902204 3208 80216 SH SOLE 79916 300
NOKIA CORP ADR "A" COM 654902204 211 5295 SH DEFINED 5295
NORTEL NETWORKS CORP NEW CO COM 656568102 5753 96702 SH SOLE 95744 958
NORTEL NETWORKS CORP NEW CO COM 656568102 419 7044 SH DEFINED 7044
NOVELL INC CO COM 670006105 256 25774 SH SOLE 21774 4000
NOVELL INC CO COM 670006105 1 175 SH DEFINED 175
ORACLE CORP CO COM 68389X105 5343 67854 SH SOLE 67154 700
ORACLE CORP CO COM 68389X105 686 8718 SH DEFINED 8448 270
PE CORP COM PE BIOSYSTEMS COMM COM 69332S102 5651 48500 SH SOLE 47800 700
PE CORP COM PE BIOSYSTEMS COMM COM 69332S102 199 1708 SH DEFINED 1708
PE CORP COM CELERA GENOMICS GP COM 69332S201 1038 10422 SH SOLE 10422
PE CORP COM CELERA GENOMICS GP COM 69332S201 27 276 SH DEFINED 276
PPG INDS INC CO COM 693506107 208 5260 SH SOLE 5260
PPG INDS INC CO COM 693506107 80 2023 SH DEFINED 423 1600
PEPSICO INC CO COM 713448108 1065 23153 SH SOLE 22353 800
PEPSICO INC CO COM 713448108 658 14305 SH DEFINED 13030 875 400
PERKINELMER INC COMMON COM 714046109 41 400 SH SOLE 400
PERKINELMER INC COMMON COM 714046109 198 1900 SH DEFINED 1900
PFIZER INC CO COM 717081103 4619 102837 SH SOLE 100337 2500
PFIZER INC CO COM 717081103 3182 70854 SH DEFINED 63254 200 7400
PHARMACIA CORP COMMON COM 71713U102 1012 16829 SH SOLE 16829
PHARMACIA CORP COMMON COM 71713U102 560 9314 SH DEFINED 9314
PHILIP MORRIS COS INC CO COM 718154107 843 28650 SH SOLE 28650
PHILIP MORRIS COS INC CO COM 718154107 122 4150 SH DEFINED 1450 1800 900
POWER FINANCIAL CORPORATION COM 73927C100 304 10236 SH SOLE 10236
PROCTER & GAMBLE CO CO COM 742718109 3489 52078 SH SOLE 50978 1100
PROCTER & GAMBLE CO CO COM 742718109 3241 48380 SH DEFINED 42844 1600 3936
QUALCOMM INC. COM 747525103 4787 67195 SH SOLE 65455 1740
QUALCOMM INC. COM 747525103 235 3305 SH DEFINED 3305
QWEST COMMUNICATIONS INTL COM 749121109 647 13453 SH SOLE 13369 84
QWEST COMMUNICATIONS INTL COM 749121109 237 4928 SH DEFINED 4851 77
RALSTON - RALSTON PURINA GR COM 751277302 210 8905 SH SOLE 8905
RAPID AMERICAN DEBS 7.00% DUE COM 753329AB7 0 28900 SH SOLE 28900
ROXALANA LAND CO COM 779991579 506 96 SH SOLE 96
ROYAL DUTCH PETE CO NY REGISTR COM 780257804 233 3900 SH SOLE 3900
SBC COMMUNICATIONS INC COM COM 78387G103 2345 47031 SH SOLE 45763 1268
SBC COMMUNICATIONS INC COM COM 78387G103 1708 34262 SH DEFINED 33033 1229
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 707 32600 SH SOLE 32600
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 86 4000 SH DEFINED 4000
SCHERING PLOUGH CORP CO COM 806605101 1398 30036 SH SOLE 29736 300
SCHERING PLOUGH CORP CO COM 806605101 331 7120 SH DEFINED 345 6775
SCHLUMBERGER LTD CO COM 806857108 343 4175 SH SOLE 3975 200
SCHLUMBERGER LTD CO COM 806857108 445 5413 SH DEFINED 5413
SEPRACOR, INC. COM 817315104 2200 17935 SH SOLE 17875 60
SEPRACOR, INC. COM 817315104 7 60 SH DEFINED 60
SKY FINL GROUP INC COM 83080P103 479 27019 SH DEFINED 27019
SOUTHWEST AIRLS CO CO COM 844741108 247 10191 SH SOLE 9445 746
SPRINT CORPORATION PCS GROUP COM 852061506 3393 96600 SH SOLE 95400 1200
SPRINT CORPORATION PCS GROUP COM 852061506 139 3965 SH DEFINED 3120 45 800
SUMMIT FINL GROUP INC COM 86606G101 234 6524 SH SOLE 1518 5006
SUN MICROSYSTEMS INC CO COM 866810104 5940 50879 SH SOLE 50029 850
SUN MICROSYSTEMS INC CO COM 866810104 179 1541 SH DEFINED 1541
SUNTRUST BKS INC CO COM 867914103 958 19228 SH SOLE 19068 160
SUNTRUST BKS INC CO COM 867914103 62 1250 SH DEFINED 1250
SYSCO CORP CO COM 871829107 211 4556 SH SOLE 4556
TECO ENERGY INC CO COM 872375100 302 10500 SH SOLE 10500
TENNESSEE VALLEY AUTH QU PREFERRED 880591201 405 16800 SH SOLE 16800
TENNESSEE VALLEY AUTH QU PREFERRED 880591201 23 975 SH DEFINED 975
TENN VALLEY AUTH 6.50 05/01/29 PREFERRED 880591409 128 6000 SH SOLE 6000
TENN VALLEY AUTH 6.50 05/01/29 PREFERRED 880591409 85 4000 SH DEFINED 4000
TEXACO INC CO COM 881694103 847 16148 SH SOLE 15948 200
TEXACO INC CO COM 881694103 577 11008 SH DEFINED 9408 1600
TEXAS INSTRS INC CO COM 882508104 2290 48356 SH SOLE 47731 625
TEXAS INSTRS INC CO COM 882508104 214 4520 SH DEFINED 4520
TIME WARNER INC CO COM 887315109 3701 47254 SH SOLE 46254 1000
TIME WARNER INC CO COM 887315109 162 2072 SH DEFINED 1772 300
TRIBUNE CO NEW CO COM 896047107 784 17990 SH SOLE 17794 196
TRIBUNE CO NEW CO COM 896047107 85 1950 SH DEFINED 1950
TYCO INTL LTD (NEW) COM 902124106 2227 42932 SH SOLE 41432 1500
TYCO INTL LTD (NEW) COM 902124106 1090 21023 SH DEFINED 20610 413
UNITED BANKSHARES INC WEST VCO COM 909907107 39095 1992109 SH SOLE 1878524 113585
UNITED BANKSHARES INC WEST VCO COM 909907107 6143 313042 SH DEFINED 212917 82224 17901
UNITED TECHNOLOGIES CORP CO COM 913017109 565 8148 SH SOLE 7848 300
UNITED TECHNOLOGIES CORP CO COM 913017109 152 2200 SH DEFINED 2200
VERITAS SOFTWARE CO COM 923436109 180 1270 SH SOLE 1270
VERITAS SOFTWARE CO COM 923436109 26 190 SH DEFINED 190
VERIZON COMMUNICATIONS COM COM 92343V104 2786 57518 SH SOLE 56532 986
VERIZON COMMUNICATIONS COM COM 92343V104 1281 26452 SH DEFINED 24846 1206 400
VIACOM INC CL COM 925524308 437 7485 SH SOLE 7485
VIACOM INC CL COM 925524308 448 7659 SH DEFINED 7659
VODAFONE GROUP PLC COM 92857W100 668 18055 SH SOLE 17430 625
VODAFONE GROUP PLC COM 92857W100 482 13038 SH DEFINED 12608 430
WACHOVIA CORP CO COM 929771103 168 2980 SH SOLE 2630 350
WACHOVIA CORP CO COM 929771103 119 2100 SH DEFINED 1700 400
WAL MART STORES INC CO COM 931142103 663 13797 SH SOLE 13397 400
WAL MART STORES INC CO COM 931142103 337 7005 SH DEFINED 6740 265
WALGREEN CO CO COM 931422109 292 7700 SH SOLE 6900 800
WALGREEN CO CO COM 931422109 125 3300 SH DEFINED 3300
WESBANCO INC CO COM 950810101 582 27193 SH SOLE 27193
WESBANCO INC CO COM 950810101 314 14650 SH DEFINED 14376 274
WV COAL LAND CO COM 954991576 476 301 SH SOLE 301
WV COAL LAND CO COM 954991576 9 6 SH DEFINED 6
WILLIAMS COMPANIES INC COM 969457100 553 13099 SH SOLE 12999 100
WILLIAMS COMPANIES INC COM 969457100 48 1140 SH DEFINED 1040 100
WORLDCOM INC GA NEW COM COM 98157D106 3000 98796 SH SOLE 96209 2587
WORLDCOM INC GA NEW COM COM 98157D106 198 6530 SH DEFINED 6530
XEROX CORP CO COM 984121103 113 7568 SH SOLE 7568
XEROX CORP CO COM 984121103 160 10720 SH DEFINED 10720
COMMUNITY BANKSHARES, INC COM 993000058 478 6275 SH SOLE 6275
MAHONE REALTY CORP COM 993000140 297 72000 SH SOLE 72000
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 541 347 SH SOLE 347
CITIZENS BANCSHARES COM 993001700 260 6500 SH DEFINED 6500
GLOBAL CROSSING LTD COM G3921A100 1756 56654 SH SOLE 55104 1550
GLOBAL CROSSING LTD COM G3921A100 45 1465 SH DEFINED 1465
LORAL SPACE & COMMUNICATIONSCO COM G56462107 82 13526 SH SOLE 10026 3500
LORAL SPACE & COMMUNICATIONSCO COM G56462107 43 7090 SH DEFINED 7090
TRANSOCEAN SEDCO FOREX INC COM G90078109 621 10601 SH SOLE 10148 453
TRANSOCEAN SEDCO FOREX INC COM G90078109 41 700 SH DEFINED 700
</TABLE>
