UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 03/31/00
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 APRIL 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: 321
Form 13F Information Table Entry Total: $472,574
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 2458 43659 SH SOLE 41803 1856
AT&T CORP CO COM 001957109 2102 37335 SH DEFINED 35067 618 1650
ABBOTT LABS CO COM 002824100 677 19250 SH SOLE 13250 6000
ABBOTT LABS CO COM 002824100 1845 52456 SH DEFINED 48056 4400
ABN AMRO CAP FDG TR II COMMON PREFERRED 00371T206 213 10600 SH SOLE 10100 500
ADAPTEC 4.75% DUE 02/01/04 CONV DEB 00651FAC2 292 315000 PRN SOLE 315000
ADOBE SYSTEMS INC DELEWARE CO COM 00724F101 2545 22870 SH SOLE 22870
ADOBE SYSTEMS INC DELEWARE CO COM 00724F101 5 50 SH DEFINED 50
ALCOA INC COM 013817101 1582 22530 SH SOLE 20930 1600
ALCOA INC COM 013817101 56 800 SH DEFINED 400 400
ALLEGHENY ENERGY INC COM 017361106 339 12262 SH SOLE 12262
ALLEGHENY ENERGY INC COM 017361106 106 3856 SH DEFINED 3856
ALLIANCE CAP MGMT HLDG L P COM 01855A101 381 9200 SH SOLE 9200
ALLIANCE CAP MGMT HLDG L P COM 01855A101 91 2200 SH DEFINED 2200
AMERICA ONLINE INC DEL COM 02364J104 640 9500 SH SOLE 9100 400
AMERICA ONLINE INC DEL COM 02364J104 435 6460 SH DEFINED 5580 880
AMERICAN ELEC PWR INC CO COM 025537101 541 18163 SH SOLE 17763 400
AMERICAN ELEC PWR INC CO COM 025537101 158 5310 SH DEFINED 2910 2400
AMERICAN EXPRESS CO CO COM 025816109 251 1689 SH SOLE 1689
AMERICAN EXPRESS CO CO COM 025816109 163 1100 SH DEFINED 600 500
AMERICAN HOME PRODS CORP CO COM 026609107 6072 112972 SH SOLE 112252 720
AMERICAN HOME PRODS CORP CO COM 026609107 6026 112120 SH DEFINED 96520 13000 2600
AMERICAN INTL GROUP INC CO COM 026874107 6298 57518 SH SOLE 57456 62
AMERICAN INTL GROUP INC CO COM 026874107 576 5261 SH DEFINED 3799 1462
AMGEN INC CO COM 031162100 531 8654 SH SOLE 8154 500
ANHEUSER BUSCH COS INC CO COM 035229103 87 1400 SH SOLE 1400
ANHEUSER BUSCH COS INC CO COM 035229103 759 12200 SH DEFINED 12200
APPLIED MATLS INC CO COM 038222105 3949 41909 SH SOLE 41909
APPLIED MATLS INC CO COM 038222105 42 450 SH DEFINED 450
ATLANTIC RICHFIELD CO CO COM 048825103 242 2850 SH SOLE 2550 300
ATLANTIC RICHFIELD CO CO COM 048825103 323 3800 SH DEFINED 3800
AUTOMATIC DATA PROCESSING INCO COM 053015103 205 4250 SH SOLE 3500 750
AUTOMATIC DATA PROCESSING INCO COM 053015103 849 17600 SH DEFINED 13600 4000
BP AMOCO P L C SPONSORED ADR COM 055622104 4911 92244 SH SOLE 91716 528
BP AMOCO P L C SPONSORED ADR COM 055622104 1107 20802 SH DEFINED 20538 264
BANK AMER CORP COM 060505104 2066 39401 SH SOLE 39195 206
BANK AMER CORP COM 060505104 297 5673 SH DEFINED 3673 1200 800
BANK NEW YORK INC CO COM 064057102 536 12900 SH SOLE 12900
BANK NEW YORK INC CO COM 064057102 99 2400 SH DEFINED 2400
BANK ONE CORP COM 06423A103 880 25601 SH SOLE 24101 1500
BANK ONE CORP COM 06423A103 2945 85681 SH DEFINED 82983 2698
BANKAMERICA CAP IV 7.00% DUE 3 PREFERRED 066044207 201 9520 SH SOLE 9520
BAXTER INTL INC CO COM 071813109 100 1600 SH SOLE 1000 600
BAXTER INTL INC CO COM 071813109 106 1700 SH DEFINED 1100 600
BELL ATLANTIC CORP CO COM 077853109 2050 33549 SH SOLE 32929 620
BELL ATLANTIC CORP CO COM 077853109 1494 24453 SH DEFINED 22647 1206 600
BELLSOUTH CORP CO COM 079860102 2611 55722 SH SOLE 55206 516
BELLSOUTH CORP CO COM 079860102 1038 22164 SH DEFINED 19192 1972 1000
BERKSHIRE HATHAWAY CL A COM 084670108 1944 34 SH SOLE 34
BERKSHIRE HATHAWAY INC CL B COM 084670207 404 222 SH SOLE 217 5
BERKSHIRE HATHAWAY INC CL B COM 084670207 14 8 SH DEFINED 8
BIOGEN INC CO COM 090597105 1181 16911 SH SOLE 16411 500
BIOGEN INC CO COM 090597105 15 225 SH DEFINED 225
BOSTON SCIENTIFIC CORP CO COM 101137107 312 14650 SH SOLE 14000 650
BOSTON SCIENTIFIC CORP CO COM 101137107 10 500 SH DEFINED 500
BRISTOL MYERS SQUIBB COM 110122108 9164 158006 SH SOLE 156106 1900
BRISTOL MYERS SQUIBB COM 110122108 8537 147195 SH DEFINED 141220 3750 2225
CBS CORP COM 12490K107 402 7100 SH SOLE 7100
CBS CORP COM 12490K107 341 6035 SH DEFINED 5835 200
CIGNA CORP CO COM 125509109 3 50 SH SOLE 50
CIGNA CORP CO COM 125509109 261 3450 SH DEFINED 1350 2100
CSX CORP CO COM 126408103 185 7902 SH SOLE 7502 400
CSX CORP CO COM 126408103 258 11014 SH DEFINED 7914 400 2700
CHASE MANHATTAN CORP NEW CO COM 16161A108 63 730 SH SOLE 730
CHASE MANHATTAN CORP NEW CO COM 16161A108 263 3026 SH DEFINED 3026
CHEVRON CORPORATION CO COM 166751107 3966 42906 SH SOLE 42906
CHEVRON CORPORATION CO COM 166751107 934 10112 SH DEFINED 9612 100 400
CIENA CORP COMMON COM 171779101 5091 40369 SH SOLE 39919 450
CIENA CORP COMMON COM 171779101 105 840 SH DEFINED 840
CISCO SYS INC CO COM 17275R102 17289 223634 SH SOLE 217114 6520
CISCO SYS INC CO COM 17275R102 2519 32587 SH DEFINED 29209 1850 1528
CITIGROUP INC COM 172967101 9807 163799 SH SOLE 159671 4128
CITIGROUP INC COM 172967101 1372 22924 SH DEFINED 20401 798 1725
CITY HLDG CO CO COM 177835105 139 11639 SH SOLE 10639 1000
CITY HLDG CO CO COM 177835105 71 5946 SH DEFINED 5946
COCA COLA CO CO COM 191216100 374 7980 SH SOLE 7080 900
COCA COLA CO CO COM 191216100 976 20800 SH DEFINED 17000 3800
COMCAST CORP CL A CL COM 200300200 1983 45733 SH SOLE 45358 375
COMCAST CORP CL A CL COM 200300200 59 1375 SH DEFINED 1375
COMMUNITY BK NATL ASSN COM 203564109 660 60075 SH SOLE 60075
COMPAQ COMPUTER CORP CO COM 204493100 136 5088 SH SOLE 4738 350
COMPAQ COMPUTER CORP CO COM 204493100 82 3075 SH DEFINED 3075
COMPUTER ASSOC INTL INC CO COM 204912109 228 3867 SH SOLE 3117 750
COMPUTER ASSOC INTL INC CO COM 204912109 41 700 SH DEFINED 700
CONSOLIDATED EDISON INC COM 209115104 243 8361 SH SOLE 8361
CONSOLIDATED EDISON INC COM 209115104 48 1650 SH DEFINED 1650
CORNING INC COMMON COM 219350105 8623 44451 SH SOLE 44351 100
CORNING INC COMMON COM 219350105 194 1000 SH DEFINED 1000
DELL COMPUTER CORP COM 247025109 643 11925 SH SOLE 11925
DELL COMPUTER CORP COM 247025109 214 3975 SH DEFINED 1545 65 2365
DISNEY WALT CO DEL CO COM 254687106 2066 50091 SH SOLE 49091 1000
DISNEY WALT CO DEL CO COM 254687106 872 21148 SH DEFINED 21148
DOMINION RES INC VA NEW COM COM 25746U109 1328 34566 SH SOLE 34566
DOMINION RES INC VA NEW COM COM 25746U109 284 7405 SH DEFINED 7405
DOW CHEMICAL COMPANY CO COM 260543103 735 6454 SH SOLE 6454
DOW CHEMICAL COMPANY CO COM 260543103 487 4280 SH DEFINED 2640 1640
DU PONT E I DE NEMOURS CO COM 263534109 1193 22542 SH SOLE 20712 1830
DU PONT E I DE NEMOURS CO COM 263534109 1556 29399 SH DEFINED 20132 7175 2092
DUKE POWER CO CO COM 264399106 139 2650 SH SOLE 2650
DUKE POWER CO CO COM 264399106 87 1672 SH DEFINED 1672
EMC CORPORATION COM 268648102 201 1600 SH SOLE 1600
EMC CORPORATION COM 268648102 163 1300 SH DEFINED 800 500
EASTMAN KODAK CO CO COM 277461109 90 1662 SH SOLE 1512 150
EASTMAN KODAK CO CO COM 277461109 124 2300 SH DEFINED 2300
EATON CORP CO COM 278058102 105 1350 SH SOLE 1350
EATON CORP CO COM 278058102 171 2200 SH DEFINED 2200
ELECTRONIC DATA SYS NEW CO COM 285661104 66 1040 SH SOLE 1040
ELECTRONIC DATA SYS NEW CO COM 285661104 173 2700 SH DEFINED 600 2100
EMERSON ELEC CO CO COM 291011104 354 6666 SH SOLE 5866 800
EMERSON ELEC CO CO COM 291011104 42 798 SH DEFINED 798
EMISPHERE TECHNOLOGIES COMM COM 291345106 593 11435 SH DEFINED 11435
ENRON CORP CO COM 293561106 4692 62668 SH SOLE 62018 650
ENRON CORP CO COM 293561106 374 5000 SH DEFINED 5000
ERICSSON L M TEL CO AD COM 294821400 252 2693 SH SOLE 2693
EXXON MOBIL CORP COM 30231G102 13612 174663 SH SOLE 170097 4566
EXXON MOBIL CORP COM 30231G102 7655 98229 SH DEFINED 93480 1799 2950
FPL GROUP INC CO COM 302571104 310 6750 SH SOLE 6750
FPL GROUP INC CO COM 302571104 103 2250 SH DEFINED 2250
FNMA COMMON COM 313586109 2818 49830 SH SOLE 49070 760
FNMA COMMON COM 313586109 290 5130 SH DEFINED 4955 50 125
FIFTH THIRD BANCORP CO COM 316773100 858 13634 SH SOLE 13634
FIFTH THIRD BANCORP CO COM 316773100 59 950 SH DEFINED 950
FIRST UN CORP CO COM 337358105 459 12336 SH SOLE 12136 200
FIRST UN CORP CO COM 337358105 200 5385 SH DEFINED 4410 100 875
FLEET BOSTON FINANCIAL CORP COM 339030108 1509 41344 SH SOLE 41196 148
FLEET BOSTON FINANCIAL CORP COM 339030108 127 3480 SH DEFINED 3080 400
FORD MTR CO DEL CO COM 345370100 209 4560 SH SOLE 4560
FORD MTR CO DEL CO COM 345370100 88 1930 SH DEFINED 1930
FREQUENCY ELECTRONICS COM 358010106 218 11950 SH SOLE 11950
GTE CORP CO COM 362320103 1105 15567 SH SOLE 15267 300
GTE CORP CO COM 362320103 177 2500 SH DEFINED 2500
GENERAL ELEC CO CO COM 369604103 15835 101754 SH SOLE 95329 6425
GENERAL ELEC CO CO COM 369604103 13847 88982 SH DEFINED 76452 6030 6500
GENERAL MTRS CORP CO COM 370442105 690 8334 SH SOLE 8334
GENERAL MTRS CORP CO COM 370442105 386 4667 SH DEFINED 4667
GILLETTE COMPANY COM 375766102 711 18882 SH SOLE 17882 1000
GILLETTE COMPANY COM 375766102 458 12160 SH DEFINED 8060 200 3900
GLAXO WELLCOME PLC COM 37733W105 51 900 SH SOLE 900
GLAXO WELLCOME PLC COM 37733W105 172 3008 SH DEFINED 3008
HARLEY DAVIDSON INC COM 412822108 2151 27100 SH SOLE 26600 500
HARLEY DAVIDSON INC COM 412822108 5 75 SH DEFINED 75
HEWLETT PACKARD COMPANY COM 428236103 841 6346 SH SOLE 6346
HEWLETT PACKARD COMPANY COM 428236103 338 2550 SH DEFINED 1500 1050
HOME DEPOT INC CO COM 437076102 990 15350 SH SOLE 14450 900
HOME DEPOT INC CO COM 437076102 885 13736 SH DEFINED 10713 30 2993
HARVEY HUBBELL, INCORPORATED COM 443510201 8457 308965 SH DEFINED 158769 150196
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 200 8977 SH SOLE 8977
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 701 31365 SH DEFINED 29783 1582
INGERSOLL RAND CO CO COM 456866102 35 800 SH SOLE 800
INGERSOLL RAND CO CO COM 456866102 187 4230 SH DEFINED 1230 3000
INTEL CORP COM 458140100 9149 69345 SH SOLE 69190 155
INTEL CORP COM 458140100 2646 20055 SH DEFINED 17995 100 1960
INTERNATIONAL BUSINESS MACHINE COM 459200101 1986 16833 SH SOLE 15443 1390
INTERNATIONAL BUSINESS MACHINE COM 459200101 1976 16751 SH DEFINED 16026 725
INTL PAPER CO CO COM 460146103 81 1910 SH SOLE 1910
INTL PAPER CO CO COM 460146103 177 4161 SH DEFINED 2170 1991
INT'L SPEEDWAY CORP COMMON COM 460335201 1596 35530 SH SOLE 35530
INT'L SPEEDWAY CORP COMMON COM 460335201 5 125 SH DEFINED 125
JOHNSON & JOHNSON CO COM 478160104 2040 29046 SH SOLE 28046 1000
JOHNSON & JOHNSON CO COM 478160104 1040 14810 SH DEFINED 11050 1960 1800
KANAWHA VILLAGE APARTMENTS COM 482991577 247 1300 SH DEFINED 400 900
ELI LILLY & CO COMM COM 532457108 560 8944 SH SOLE 8744 200
ELI LILLY & CO COMM COM 532457108 254 4065 SH DEFINED 2265 1800
LINEAR TECHNOLOGY CORP COM 535678106 2536 46127 SH SOLE 45927 200
LINEAR TECHNOLOGY CORP COM 535678106 2 50 SH DEFINED 50
LUCENT TECHNOLOGIES INC CO COM 549463107 6282 101335 SH SOLE 97649 3686
LUCENT TECHNOLOGIES INC CO COM 549463107 3330 53710 SH DEFINED 46458 2798 4454
MBNA CORPORATION COM 55262L100 1546 60628 SH SOLE 60403 225
MBNA CORPORATION COM 55262L100 12 500 SH DEFINED 500
MCI WORLDCOM INC COM 55268B106 4236 93485 SH SOLE 90789 2696
MCI WORLDCOM INC COM 55268B106 419 9255 SH DEFINED 5330 3925
MCDONALDS CORP CO COM 580135101 157 4213 SH SOLE 3813 400
MCDONALDS CORP CO COM 580135101 321 8600 SH DEFINED 4600 4000
MEDIAONE GROUP INC COM 58440J104 670 8279 SH SOLE 8231 48
MEDIAONE GROUP INC COM 58440J104 147 1818 SH DEFINED 1774 44
MEDTRONIC INC CO COM 585055106 3581 69623 SH SOLE 67011 2612
MEDTRONIC INC CO COM 585055106 678 13190 SH DEFINED 8590 1800 2800
MERCK & CO INC CO COM 589331107 3930 63266 SH SOLE 62966 300
MERCK & CO INC CO COM 589331107 2188 35230 SH DEFINED 33030 100 2100
MERRILL LYNCH & CO COM 590188108 275 2625 SH SOLE 2625
MERRILL LYNCH & CO COM 590188108 183 1750 SH DEFINED 1550 200
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 52 2200 SH SOLE 2200
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 176 7400 SH DEFINED 7400
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 189 9000 SH SOLE 9000
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 79 3800 SH DEFINED 3800
MICROSOFT CORP CO COM 594918104 9601 90368 SH SOLE 88373 1995
MICROSOFT CORP CO COM 594918104 2780 26170 SH DEFINED 19300 140 6730
MINNESOTA MNG & MFG CO CO COM 604059105 1557 17582 SH SOLE 17282 300
MINNESOTA MNG & MFG CO CO COM 604059105 1281 14470 SH DEFINED 12920 850 700
MONSANTO CO CO COM 611662107 1189 23099 SH SOLE 23099
MONSANTO CO CO COM 611662107 546 10615 SH DEFINED 10615
MONTANA POWER COMPANY COM 612085100 2026 31667 SH SOLE 31667
MONTANA POWER COMPANY COM 612085100 19 300 SH DEFINED 300
MORGAN J P & CO INC CO COM 616880100 163 1243 SH SOLE 1243
MORGAN J P & CO INC CO COM 616880100 102 775 SH DEFINED 525 250
PERQS EXC MICROSYSTEMS INC CO COM 617446240 120 15000 SH SOLE 15000
MORGAN STANLEY DEAN WITTER DIS COM 617446448 2618 31600 SH SOLE 31250 350
MORGAN STANLEY DEAN WITTER DIS COM 617446448 448 5408 SH DEFINED 5208 200
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 897 43250 SH SOLE 43250
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 25 1250 SH DEFINED 1250
MOTOROLA INC CO COM 620076109 1301 8914 SH SOLE 8914
MOTOROLA INC CO COM 620076109 563 3862 SH DEFINED 3862
MYLAN LABS INC CO COM 628530107 257 9354 SH SOLE 9354
MYLAN LABS INC CO COM 628530107 5 200 SH DEFINED 200
NOKIA CORP ADR "A" COM 654902204 4529 20401 SH SOLE 20326 75
NOKIA CORP ADR "A" COM 654902204 81 365 SH DEFINED 365
NORFOLK SOUTHERN CORP CO COM 655844108 133 9350 SH SOLE 9350
NORFOLK SOUTHERN CORP CO COM 655844108 58 4116 SH DEFINED 1116 3000
NORTEL NETWORKS CORP COMMON COM 656569100 6494 51543 SH SOLE 51193 350
NORTEL NETWORKS CORP COMMON COM 656569100 80 640 SH DEFINED 640
NOVELL INC CO COM 670006105 471 16482 SH SOLE 16482
NOVELL INC CO COM 670006105 5 175 SH DEFINED 175
ONE VY BANCORP WEST VA INC CO COM 682419106 374 10806 SH SOLE 10806
ONE VY BANCORP WEST VA INC CO COM 682419106 1924 55593 SH DEFINED 55593
ORACLE CORP CO COM 68389X105 6449 82619 SH SOLE 80819 1800
ORACLE CORP CO COM 68389X105 969 12424 SH DEFINED 9794 30 2600
PE CORP COM PE BIOSYSTEMS COMM COM 69332S102 5109 52953 SH SOLE 51803 1150
PE CORP COM PE BIOSYSTEMS COMM COM 69332S102 72 750 SH DEFINED 750
PE CORP COM CELERA GENOMICS GP COM 69332S201 1519 16498 SH SOLE 16398 100
PE CORP COM CELERA GENOMICS GP COM 69332S201 9 100 SH DEFINED 100
PPG INDS INC CO COM 693506107 275 5260 SH SOLE 5260
PPG INDS INC CO COM 693506107 105 2023 SH DEFINED 423 1600
PEPSICO INC CO COM 713448108 725 20789 SH SOLE 19189 1600
PEPSICO INC CO COM 713448108 565 16205 SH DEFINED 13030 875 2300
PERKINELMER INC COMMON COM 714046109 226 3400 SH SOLE 3000 400
PERKINELMER INC COMMON COM 714046109 126 1900 SH DEFINED 1900
PFIZER INC CO COM 717081103 2818 77090 SH SOLE 74690 2400
PFIZER INC CO COM 717081103 411 11260 SH DEFINED 1260 200 9800
PHILIP MORRIS COS INC CO COM 718154107 581 27520 SH SOLE 26920 600
PHILIP MORRIS COS INC CO COM 718154107 151 7175 SH DEFINED 2325 2300 2550
POWER FINANCIAL CORPORATION COM 73927C100 220 10236 SH SOLE 10236
PROCTER & GAMBLE CO CO COM 742718109 1913 33872 SH SOLE 32572 1300
PROCTER & GAMBLE CO CO COM 742718109 2851 50464 SH DEFINED 45028 1500 3936
QUALCOMM INC. COM 747525103 10905 73036 SH SOLE 72096 940
QUALCOMM INC. COM 747525103 252 1690 SH DEFINED 490 1200
RALSTON - RALSTON PURINA GR COM 751277302 244 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 271 4700 SH SOLE 4700
SBC COMMUNICATIONS INC COM COM 78387G103 2298 54554 SH SOLE 52994 1560
SBC COMMUNICATIONS INC COM COM 78387G103 1450 34441 SH DEFINED 33359 1082
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 832 41100 SH SOLE 41100
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 81 4000 SH DEFINED 4000
SAFEGUARD SCIENTIFICS INC CO COM 786449108 207 3000 SH SOLE 3000
SAFEWAY INC COM 786514208 187 4149 SH SOLE 3849 300
SAFEWAY INC COM 786514208 21 465 SH DEFINED 465
SCHERING PLOUGH CORP CO COM 806605101 1027 27676 SH SOLE 27376 300
SCHERING PLOUGH CORP CO COM 806605101 353 9520 SH DEFINED 345 6775 2400
SCHLUMBERGER LTD CO COM 806857108 4567 59707 SH SOLE 57357 2350
SCHLUMBERGER LTD CO COM 806857108 418 5470 SH DEFINED 5470
SEARS ROEBUCK & CO CO COM 812387108 39 1296 SH SOLE 1160 136
SEARS ROEBUCK & CO CO COM 812387108 208 6814 SH DEFINED 5114 1700
SEPRACOR, INC. COM 817315104 1222 16794 SH SOLE 16794
SEPRACOR, INC. COM 817315104 4 60 SH DEFINED 60
SKY FINL GROUP INC COM 83080P103 439 27019 SH DEFINED 27019
SOUTHWEST AIRLS CO CO COM 844741108 216 10403 SH SOLE 9803 600
SPRINT CORP CO COM 852061100 214 3410 SH SOLE 3410
SPRINT CORP CO COM 852061100 25 400 SH DEFINED 400
SPRINT CORPORATION PCS GROUP COM 852061506 5839 89153 SH SOLE 87953 1200
SPRINT CORPORATION PCS GROUP COM 852061506 102 1565 SH DEFINED 1520 45
SUN MICROSYSTEMS INC CO COM 866810104 5412 57763 SH SOLE 56863 900
SUN MICROSYSTEMS INC CO COM 866810104 65 700 SH DEFINED 700
SUNTRUST BKS INC CO COM 867914103 293 5078 SH SOLE 5078
SUNTRUST BKS INC CO COM 867914103 63 1100 SH DEFINED 1100
SYSCO CORP CO COM 871829107 225 6256 SH SOLE 6256
TENNESSEE VALLEY AUTH QU PREFERRED 880591201 253 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 123 6000 SH SOLE 6000
TENN VALLEY AUTH 6.50 05/01/29 PREFERRED 880591409 82 4000 SH DEFINED 4000
TEXACO INC CO COM 881694103 1036 19288 SH SOLE 19288
TEXACO INC CO COM 881694103 433 8073 SH DEFINED 6208 1600 265
TEXAS INSTRS INC CO COM 882508104 3688 23052 SH SOLE 22702 350
TEXAS INSTRS INC CO COM 882508104 212 1330 SH DEFINED 1330
TIME WARNER INC CO COM 887315109 4480 44802 SH SOLE 43652 1150
TIME WARNER INC CO COM 887315109 181 1815 SH DEFINED 1515 300
TRIBUNE CO NEW CO COM 896047107 731 20010 SH SOLE 19210 800
TRIBUNE CO NEW CO COM 896047107 29 800 SH DEFINED 800
TYCO INTL LTD (NEW) COM 902124106 2280 45500 SH SOLE 44200 1300
TYCO INTL LTD (NEW) COM 902124106 968 19313 SH DEFINED 18900 413
UNION CARBIDE CORP CO COM 905581104 164 2826 SH SOLE 2784 42
UNION CARBIDE CORP CO COM 905581104 191 3283 SH DEFINED 1583 1700
UNITED BANKSHARES INC WEST VCO COM 909907107 40893 1858785 SH SOLE 1750717 108068
UNITED BANKSHARES INC WEST VCO COM 909907107 7580 344562 SH DEFINED 243145 87544 13873
US WEST INC NEW COM 91273H101 515 7092 SH SOLE 7043 49
US WEST INC NEW COM 91273H101 186 2562 SH DEFINED 2518 44
UNITED TECHNOLOGIES CORP CO COM 913017109 514 8148 SH SOLE 7848 300
UNITED TECHNOLOGIES CORP CO COM 913017109 139 2200 SH DEFINED 2200
VODAFONE AIRTOUCH PUBLIC LTS C COM 92857T107 1110 19985 SH SOLE 18235 1750
VODAFONE AIRTOUCH PUBLIC LTS C COM 92857T107 749 13493 SH DEFINED 13063 430
WACHOVIA CORP CO COM 929771103 302 4480 SH SOLE 4130 350
WACHOVIA CORP CO COM 929771103 47 700 SH DEFINED 200 400 100
WAL MART STORES INC CO COM 931142103 544 9632 SH SOLE 9232 400
WAL MART STORES INC CO COM 931142103 407 7205 SH DEFINED 6940 265
WALGREEN CO CO COM 931422109 177 6900 SH SOLE 6900
WALGREEN CO CO COM 931422109 105 4100 SH DEFINED 3300 800
WARNER LAMBERT CO CO COM 934488107 1071 10970 SH SOLE 10770 200
WARNER LAMBERT CO CO COM 934488107 2728 27935 SH DEFINED 26335 1600
WESBANCO INC CO COM 950810101 533 27643 SH SOLE 27643
WESBANCO INC CO COM 950810101 287 14890 SH DEFINED 14616 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 438 9980 SH SOLE 9980
WILLIAMS COMPANIES INC COM 969457100 43 995 SH DEFINED 840 55 100
XEROX CORP CO COM 984121103 170 6568 SH SOLE 6168 400
XEROX CORP CO COM 984121103 278 10720 SH DEFINED 10520 200
ZIONS BANCORP COM 989701107 290 6976 SH SOLE 6876 100
COMMUNITY BANKSHARES, INC COM 993000058 458 6275 SH SOLE 6275
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 288 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 477 347 SH SOLE 347
DAIMLER CHRYSLER AG ORD COM D1668R123 107 1643 SH SOLE 1057 586
DAIMLER CHRYSLER AG ORD COM D1668R123 141 2158 SH DEFINED 1971 187
GLOBAL CROSSING LTD COM G3921A100 2229 54458 SH SOLE 52908 1550
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LORAL SPACE & COMMUNICATIONSCO COM G56462107 63 6200 SH DEFINED 6200
TRANSOCEAN SEDCO FOREX INC COM G90078109 551 10739 SH SOLE 10286 453
TRANSOCEAN SEDCO FOREX INC COM G90078109 48 943 SH DEFINED 943
</TABLE>
