UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/00
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 JANUARY 02, 2001
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: $432,616
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 1130 65530 SH SOLE 63329 2201
AT&T CORP CO COM 001957109 702 40751 SH DEFINED 35432 2769 2550
ABBOTT LABS CO COM 002824100 549 11350 SH SOLE 11350
ABBOTT LABS CO COM 002824100 2390 49356 SH DEFINED 42956 2000 4400
ADAPTEC 4.75% DUE 02/01/04 CONV DEB 00651FAC2 200 250000 PRN SOLE 250000
ADOBE SYSTEMS INC DELEWARE CO COM 00724F101 2709 46570 SH SOLE 46570
ADOBE SYSTEMS INC DELEWARE CO COM 00724F101 11 200 SH DEFINED 100 100
AGILENT TECHNOLOGIES COMMON COM 00846U101 434 7935 SH SOLE 7912 23
AGILENT TECHNOLOGIES COMMON COM 00846U101 71 1304 SH DEFINED 1304
ALCOA INC COM 013817101 2693 80395 SH SOLE 77595 2800
ALCOA INC COM 013817101 192 5740 SH DEFINED 4650 290 800
ALLEGHENY ENERGY INC COM 017361106 571 11862 SH SOLE 11862
ALLEGHENY ENERGY INC COM 017361106 185 3856 SH DEFINED 3856
ALLIANCE CAP MGMT HLDG L P COM 01855A101 399 7900 SH SOLE 7900
ALLIANCE CAP MGMT HLDG L P COM 01855A101 184 3650 SH DEFINED 3650
ALLSTATE CORP CO COM 020002101 60 1400 SH SOLE 1400
ALLSTATE CORP CO COM 020002101 179 4114 SH DEFINED 3744 370
ALZA CORP CO COM 022615108 204 4800 SH DEFINED 4800
AMERICA ONLINE INC DEL COM 02364J104 348 10000 SH SOLE 9600 400
AMERICA ONLINE INC DEL COM 02364J104 222 6392 SH DEFINED 6272 120
AMERICAN ELEC PWR INC CO COM 025537101 835 17962 SH SOLE 17562 400
AMERICAN ELEC PWR INC CO COM 025537101 183 3950 SH DEFINED 3150 800
AMERICAN EXPRESS CO CO COM 025816109 336 6122 SH SOLE 6122
AMERICAN EXPRESS CO CO COM 025816109 16 300 SH DEFINED 300
AMERICAN HOME PRODS CORP CO COM 026609107 6750 106222 SH SOLE 105502 720
AMERICAN HOME PRODS CORP CO COM 026609107 20219 318170 SH DEFINED 93230 223740 1200
AMERICAN INTL GROUP INC CO COM 026874107 9082 92154 SH SOLE 91994 160
AMERICAN INTL GROUP INC CO COM 026874107 1030 10460 SH DEFINED 7461 480 2519
AMGEN INC CO COM 031162100 602 9423 SH SOLE 8923 500
AMGEN INC CO COM 031162100 19 300 SH DEFINED 300
ANHEUSER BUSCH COS INC CO COM 035229103 109 2400 SH SOLE 2400
ANHEUSER BUSCH COS INC CO COM 035229103 928 20400 SH DEFINED 20400
APPLERA CORPCOM APPLIED BIOSYS COM 038020103 4513 47989 SH SOLE 47339 650
APPLERA CORPCOM APPLIED BIOSYS COM 038020103 88 945 SH DEFINED 875 70
APPLERA CORP COM CELERA GENOMI COM 038020202 367 10176 SH SOLE 10176
APPLERA CORP COM CELERA GENOMI COM 038020202 3 100 SH DEFINED 100
APPLIED MATLS INC CO COM 038222105 1618 42394 SH SOLE 42066 328
APPLIED MATLS INC CO COM 038222105 34 900 SH DEFINED 750 150
AUTOMATIC DATA PROCESSING INCO COM 053015103 167 2650 SH SOLE 2300 350
AUTOMATIC DATA PROCESSING INCO COM 053015103 861 13600 SH DEFINED 9600 4000
AVAYA COMMON COM 053499109 660 64035 SH SOLE 63739 296
AVAYA COMMON COM 053499109 47 4579 SH DEFINED 3794 242 543
BB&T CORP COMM COM 054937107 801 21493 SH SOLE 21493
BB&T CORP COMM COM 054937107 2637 70677 SH DEFINED 70677
BP AMOCO P L C SPONSORED ADR COM 055622104 4894 102234 SH SOLE 101342 892
BP AMOCO P L C SPONSORED ADR COM 055622104 877 18324 SH DEFINED 15150 3174
BANK AMER CORP COM 060505104 1092 23818 SH SOLE 23612 206
BANK AMER CORP COM 060505104 99 2173 SH DEFINED 1073 1000 100
BANK NEW YORK INC CO COM 064057102 711 12900 SH SOLE 12900
BANK NEW YORK INC CO COM 064057102 93 1700 SH DEFINED 1700
BANK ONE CORP COM 06423A103 1048 28618 SH SOLE 27618 1000
BANK ONE CORP COM 06423A103 2674 73014 SH DEFINED 71919 1095
BANKAMERICA CAP IV 7.00% DUE 3 PREFERRED 066044207 208 8760 SH SOLE 8760
BAXTER INTL INC CO COM 071813109 114 1300 SH SOLE 1000 300
BAXTER INTL INC CO COM 071813109 150 1700 SH DEFINED 1100 600
BELLSOUTH CORP CO COM 079860102 2020 49358 SH SOLE 48842 516
BELLSOUTH CORP CO COM 079860102 815 19918 SH DEFINED 17292 1826 800
BERKSHIRE HATHAWAY CL A COM 084670108 2272 32 SH SOLE 32
BERKSHIRE HATHAWAY INC CL B COM 084670207 899 382 SH SOLE 377 5
BERKSHIRE HATHAWAY INC CL B COM 084670207 28 12 SH DEFINED 8 4
BIOGEN INC CO COM 090597105 1247 20775 SH SOLE 19555 1220
BIOGEN INC CO COM 090597105 12 215 SH DEFINED 75 140
BOEING CO CO COM 097023105 37 563 SH SOLE 563
BOEING CO CO COM 097023105 297 4500 SH DEFINED 4500
BRISTOL MYERS SQUIBB COM 110122108 10237 138458 SH SOLE 137358 1100
BRISTOL MYERS SQUIBB COM 110122108 10636 143861 SH DEFINED 137546 6090 225
CIGNA CORP CO COM 125509109 277 2100 SH SOLE 2100
CIGNA CORP CO COM 125509109 178 1350 SH DEFINED 1350
CSX CORP CO COM 126408103 182 7052 SH SOLE 5402 1650
CSX CORP CO COM 126408103 194 7514 SH DEFINED 7514
CANADIAN PAC LTD NEW CO COM 135923100 202 7100 SH SOLE 7100
CANADIAN PAC LTD NEW CO COM 135923100 14 500 SH DEFINED 500
CAPITAL ONE FINL CORP CO COM 14040H105 220 3350 SH DEFINED 3350
CARDINAL HEALTH INC CO COM 14149Y108 172 1735 SH SOLE 1611 124
CARDINAL HEALTH INC CO COM 14149Y108 298 2992 SH DEFINED 2562 430
CHASE MANHATTAN CORP NEW CO COM 16161A108 13 300 SH SOLE 300
CHASE MANHATTAN CORP NEW CO COM 16161A108 240 5289 SH DEFINED 5289
CHEVRON CORPORATION CO COM 166751107 3287 38932 SH SOLE 38932
CHEVRON CORPORATION CO COM 166751107 901 10676 SH DEFINED 10276 400
CHUBB CORP CO COM 171232101 202 2337 SH SOLE 2337
CIENA CORP COMMON COM 171779101 5699 70147 SH SOLE 69497 650
CIENA CORP COMMON COM 171779101 211 2600 SH DEFINED 2430 70 100
CISCO SYS INC CO COM 17275R102 7883 206110 SH SOLE 201160 4950
CISCO SYS INC CO COM 17275R102 1172 30666 SH DEFINED 26926 2940 800
CITIGROUP INC COM 172967101 11163 218622 SH SOLE 215339 3283
CITIGROUP INC COM 172967101 1199 23481 SH DEFINED 19805 1203 2473
CITY HLDG CO CO COM 177835105 102 17838 SH SOLE 16838 1000
CITY HLDG CO CO COM 177835105 34 5946 SH DEFINED 5946
COCA COLA CO CO COM 191216100 904 14845 SH SOLE 14345 500
COCA COLA CO CO COM 191216100 1111 18240 SH DEFINED 17340 900
COMCAST CORP CL A CL COM 200300200 1859 44530 SH SOLE 43955 575
COMCAST CORP CL A CL COM 200300200 83 2005 SH DEFINED 1825 180
COMMUNITY BK NATL ASSN COM 203564109 651 62075 SH SOLE 62075
COMPAQ COMPUTER CORP CO COM 204493100 145 9638 SH SOLE 9288 350
COMPAQ COMPUTER CORP CO COM 204493100 34 2275 SH DEFINED 2275
CONSOLIDATED EDISON INC COM 209115104 257 6676 SH SOLE 6676
CONSOLIDATED EDISON INC COM 209115104 78 2050 SH DEFINED 2050
CORNING INC COMMON COM 219350105 6191 117239 SH SOLE 117059 180
CORNING INC COMMON COM 219350105 276 5230 SH DEFINED 4400 830
COSTCO WHSL CORP NEW COMMON COM 22160K105 215 5398 SH SOLE 5398
DELL COMPUTER CORP COM 247025109 209 12025 SH SOLE 12025
DELL COMPUTER CORP COM 247025109 28 1630 SH DEFINED 1100 65 465
DISNEY WALT CO DEL CO COM 254687106 1408 48686 SH SOLE 47686 1000
DISNEY WALT CO DEL CO COM 254687106 651 22498 SH DEFINED 18598 3900
DOMINION RES INC VA NEW COM COM 25746U109 2206 32928 SH SOLE 32928
DOMINION RES INC VA NEW COM COM 25746U109 381 5699 SH DEFINED 5699
DOW CHEMICAL COMPANY CO COM 260543103 796 21745 SH SOLE 21745
DOW CHEMICAL COMPANY CO COM 260543103 345 9420 SH DEFINED 8520 900
DU PONT E I DE NEMOURS CO COM 263534109 944 19542 SH SOLE 17912 1630
DU PONT E I DE NEMOURS CO COM 263534109 1369 28346 SH DEFINED 19604 6650 2092
DUKE ENERGY CORPORATION COM 264399106 208 2441 SH SOLE 2441
DUKE ENERGY CORPORATION COM 264399106 168 1976 SH DEFINED 1776 200
DUKE REALTY INVT INC CO COM 264411505 223 9080 SH SOLE 9080
DUKE REALTY INVT INC CO COM 264411505 46 1895 SH DEFINED 1895
EMC CORPORATION COM 268648102 443 6670 SH SOLE 6670
EMC CORPORATION COM 268648102 106 1600 SH DEFINED 1600
EATON CORP CO COM 278058102 122 1625 SH SOLE 1050 575
EATON CORP CO COM 278058102 165 2200 SH DEFINED 2200
EMERSON ELEC CO CO COM 291011104 436 5536 SH SOLE 4936 600
EMERSON ELEC CO CO COM 291011104 125 1598 SH DEFINED 1598
ENRON CORP CO COM 293561106 5302 63788 SH SOLE 63388 400
ENRON CORP CO COM 293561106 259 3118 SH DEFINED 3028 90
ERICSSON L M TEL CO AD COM 294821400 138 12372 SH SOLE 12372
EXXON MOBIL CORP COM 30231G102 14353 165099 SH SOLE 160754 4345
EXXON MOBIL CORP COM 30231G102 8263 95048 SH DEFINED 83800 8448 2800
FPL GROUP INC CO COM 302571104 441 6150 SH SOLE 6150
FPL GROUP INC CO COM 302571104 208 2910 SH DEFINED 2450 460
FNMA COMMON COM 313586109 4702 54204 SH SOLE 53363 841
FNMA COMMON COM 313586109 579 6675 SH DEFINED 5390 160 1125
FIFTH THIRD BANCORP CO COM 316773100 377 6321 SH SOLE 6321
FIFTH THIRD BANCORP CO COM 316773100 97 1626 SH DEFINED 1626
FIRST UN CORP CO COM 337358105 512 18439 SH SOLE 17539 900
FIRST UN CORP CO COM 337358105 138 4985 SH DEFINED 3660 1250 75
FLEET BOSTON FINANCIAL CORP COM 339030108 1941 51692 SH SOLE 51294 398
FLEET BOSTON FINANCIAL CORP COM 339030108 231 6165 SH DEFINED 5565 600
FORD MOTOR COMPANY (NEW) CO COM 345370860 172 7350 SH SOLE 7350
FORD MOTOR COMPANY (NEW) CO COM 345370860 79 3372 SH DEFINED 3372
FORTUNE BRANDS INC. COM 349631101 287 9571 SH SOLE 7321 2250
FORTUNE BRANDS INC. COM 349631101 15 520 SH DEFINED 120 400
FREQUENCY ELECTRONICS COM 358010106 227 13350 SH SOLE 13350
GENERAL ELEC CO CO COM 369604103 12896 269023 SH SOLE 257983 11040
GENERAL ELEC CO CO COM 369604103 11191 233454 SH DEFINED 198284 22470 12700
GENERAL MTRS CORP CO COM 370442105 410 8064 SH SOLE 8064
GENERAL MTRS CORP CO COM 370442105 245 4822 SH DEFINED 4222 600
GILLETTE COMPANY COM 375766102 967 26770 SH SOLE 25020 1750
GILLETTE COMPANY COM 375766102 181 5025 SH DEFINED 4825 200
JOHN HANCOCK FINANCIAL SERVICE COM 41014S106 25 667 SH SOLE 667
JOHN HANCOCK FINANCIAL SERVICE COM 41014S106 203 5417 SH DEFINED 5417
HARLEY DAVIDSON INC COM 412822108 2229 56088 SH SOLE 55088 1000
HARLEY DAVIDSON INC COM 412822108 20 520 SH DEFINED 360 160
HEINZ H J CO CO COM 423074103 14 300 SH SOLE 300
HEINZ H J CO CO COM 423074103 332 7006 SH DEFINED 3456 3250 300
HEWLETT PACKARD COMPANY COM 428236103 447 14192 SH SOLE 14068 124
HEWLETT PACKARD COMPANY COM 428236103 142 4500 SH DEFINED 4500
HOME DEPOT INC CO COM 437076102 1382 30254 SH SOLE 28829 1425
HOME DEPOT INC CO COM 437076102 645 14131 SH DEFINED 12588 1250 293
HARVEY HUBBELL, INCORPORATED COM 443510201 8281 312505 SH DEFINED 162309 150196
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 748 46232 SH SOLE 46232
HUNTINGTON BANCSHARES (COLUMBU COM 446150104 553 34216 SH DEFINED 34216
INGERSOLL RAND CO CO COM 456866102 25 600 SH SOLE 600
INGERSOLL RAND CO CO COM 456866102 177 4230 SH DEFINED 1230 3000
INTEL CORP COM 458140100 4151 138098 SH SOLE 135838 2260
INTEL CORP COM 458140100 938 31210 SH DEFINED 28100 1710 1400
INTERNATIONAL BUSINESS MACHINE COM 459200101 1666 19603 SH SOLE 18413 1190
INTERNATIONAL BUSINESS MACHINE COM 459200101 1259 14822 SH DEFINED 11657 2565 600
INT'L SPEEDWAY CORP COMMON COM 460335201 381 10043 SH SOLE 9693 350
INT'L SPEEDWAY CORP COMMON COM 460335201 17 450 SH DEFINED 350 100
INTERPUBLIC GROUP COS INC COM 460690100 251 5906 SH SOLE 5906
JOHNSON & JOHNSON CO COM 478160104 3939 37493 SH SOLE 36513 980
JOHNSON & JOHNSON CO COM 478160104 1506 14340 SH DEFINED 12125 1680 535
KANAWHA VILLAGE APARTMENTS COM 482991577 240 1268 SH DEFINED 400 868
ELI LILLY & CO COMM COM 532457108 775 8329 SH SOLE 8229 100
ELI LILLY & CO COMM COM 532457108 331 3565 SH DEFINED 2065 1500
LINEAR TECHNOLOGY CORP COM 535678106 1850 40011 SH SOLE 39811 200
LINEAR TECHNOLOGY CORP COM 535678106 7 170 SH DEFINED 50 120
LUCENT TECHNOLOGIES INC CO COM 549463107 1303 96545 SH SOLE 92965 3580
LUCENT TECHNOLOGIES INC CO COM 549463107 799 59197 SH DEFINED 49492 3165 6540
MBNA CORPORATION COM 55262L100 2631 71230 SH SOLE 71005 225
MBNA CORPORATION COM 55262L100 85 2325 SH DEFINED 1325 200 800
MCDONALDS CORP CO COM 580135101 142 4183 SH SOLE 4183
MCDONALDS CORP CO COM 580135101 170 5000 SH DEFINED 800 3800 400
MEDTRONIC INC CO COM 585055106 4629 76673 SH SOLE 74323 2350
MEDTRONIC INC CO COM 585055106 699 11590 SH DEFINED 8240 1550 1800
MERCK & CO INC CO COM 589331107 6593 70426 SH SOLE 70030 396
MERCK & CO INC CO COM 589331107 3513 37525 SH DEFINED 33425 200 3900
MERRILL LYNCH & CO COM 590188108 480 7040 SH SOLE 7040
MERRILL LYNCH & CO COM 590188108 197 2900 SH DEFINED 2500 400
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 50 2000 SH SOLE 2000
MERRILL LYNCH QTLY PFD 8% PREFERRED 59021C203 186 7400 SH DEFINED 7400
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 197 8300 SH SOLE 8300
ML CAPITAL TRUST 7.12% PREFERRED 59021G204 23 1000 SH DEFINED 1000
MICROSOFT CORP CO COM 594918104 4673 107749 SH SOLE 105126 2623
MICROSOFT CORP CO COM 594918104 1085 25015 SH DEFINED 19130 1215 4670
MINNESOTA MNG & MFG CO CO COM 604059105 2058 17082 SH SOLE 16782 300
MINNESOTA MNG & MFG CO CO COM 604059105 1580 13120 SH DEFINED 8020 4400 700
MONTANA POWER COMPANY COM 612085100 581 28018 SH SOLE 27418 600
MONTANA POWER COMPANY COM 612085100 37 1830 SH DEFINED 1490 340
MORGAN J P & CO INC CO COM 616880100 205 1243 SH SOLE 1243
MORGAN J P & CO INC CO COM 616880100 136 825 SH DEFINED 225 600
PERQS EXC MICROSYSTEMS INC CO COM 617446240 95 15000 SH SOLE 15000
MORGAN STANLEY DEAN WITTER DIS COM 617446448 2616 33012 SH SOLE 32480 532
MORGAN STANLEY DEAN WITTER DIS COM 617446448 442 5588 SH DEFINED 4996 392 200
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 855 38250 SH SOLE 38250
MOTOROLA CAP TRUST PFD 6.68% PREFERRED 620074203 27 1250 SH DEFINED 1250
MOTOROLA INC CO COM 620076109 593 29328 SH SOLE 29328
MOTOROLA INC CO COM 620076109 216 10686 SH DEFINED 9486 1200
NOKIA CORP ADR "A" COM 654902204 3688 84788 SH SOLE 84488 300
NOKIA CORP ADR "A" COM 654902204 184 4235 SH DEFINED 4035 200
NORTEL NETWORKS CORP NEW CO COM 656568102 3286 102505 SH SOLE 101347 1158
NORTEL NETWORKS CORP NEW CO COM 656568102 300 9375 SH DEFINED 8055 1120 200
NOVELL INC CO COM 670006105 130 25089 SH SOLE 21089 4000
NOVELL INC CO COM 670006105 0 175 SH DEFINED 175
ORACLE CORP CO COM 68389X105 4139 142440 SH SOLE 141040 1400
ORACLE CORP CO COM 68389X105 548 18860 SH DEFINED 17700 760 400
PPG INDS INC CO COM 693506107 243 5260 SH SOLE 5260
PPG INDS INC CO COM 693506107 158 3423 SH DEFINED 423 3000
PEPSICO INC CO COM 713448108 1126 22733 SH SOLE 21933 800
PEPSICO INC CO COM 713448108 684 13805 SH DEFINED 12530 875 400
PERKINELMER INC COMMON COM 714046109 42 400 SH SOLE 400
PERKINELMER INC COMMON COM 714046109 199 1900 SH DEFINED 1900
PFIZER INC CO COM 717081103 5169 112382 SH SOLE 109882 2500
PFIZER INC CO COM 717081103 3328 72362 SH DEFINED 64582 380 7400
PHARMACIA CORP COMMON COM 71713U102 985 16160 SH SOLE 16160
PHARMACIA CORP COMMON COM 71713U102 505 8291 SH DEFINED 6291 2000
PHILIP MORRIS COS INC CO COM 718154107 1260 28650 SH SOLE 28650
PHILIP MORRIS COS INC CO COM 718154107 181 4125 SH DEFINED 1425 1800 900
POWER FINANCIAL CORPORATION COM 73927C100 356 10236 SH SOLE 10236
PROCTER & GAMBLE CO CO COM 742718109 4049 51633 SH SOLE 50533 1100
PROCTER & GAMBLE CO CO COM 742718109 3736 47640 SH DEFINED 40194 3510 3936
PROGRESS ENERGY INC COM COM 743263105 110 2251 SH SOLE 2251
PROGRESS ENERGY INC COM COM 743263105 90 1836 SH DEFINED 1836
QUALCOMM INC. COM 747525103 5642 68650 SH SOLE 66420 2230
QUALCOMM INC. COM 747525103 218 2655 SH DEFINED 2555 100
QWEST COMMUNICATIONS INTL COM 749121109 455 11146 SH SOLE 11062 84
QWEST COMMUNICATIONS INTL COM 749121109 176 4319 SH DEFINED 4201 118
RALSTON - RALSTON PURINA GR COM 751277302 227 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 DUTCH PETE CO NY REGISTR COM 780257804 236 3900 SH SOLE 3900
SBC COMMUNICATIONS INC COM COM 78387G103 2017 42258 SH SOLE 40990 1268
SBC COMMUNICATIONS INC COM COM 78387G103 1175 24625 SH DEFINED 21691 2934
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 748 31600 SH SOLE 31600
SSBH CAP I TRUST 7.20% QTRLY PREFERRED 784646200 94 4000 SH DEFINED 4000
SAFEWAY INC COM 786514208 209 3349 SH SOLE 3049 300
SAFEWAY INC COM 786514208 29 465 SH DEFINED 465
SCHERING PLOUGH CORP CO COM 806605101 1704 30036 SH SOLE 29736 300
SCHERING PLOUGH CORP CO COM 806605101 404 7120 SH DEFINED 345 6775
SCHLUMBERGER LTD CO COM 806857108 299 3751 SH SOLE 3751
SCHLUMBERGER LTD CO COM 806857108 317 3970 SH DEFINED 3970
SEPRACOR, INC. COM 817315104 1475 18415 SH SOLE 18355 60
SEPRACOR, INC. COM 817315104 18 230 SH DEFINED 160 70
SKY FINL GROUP INC COM 83080P103 1075 64200 SH DEFINED 29720 34480
SOUTHWEST AIRLS CO CO COM 844741108 341 10191 SH SOLE 9445 746
SPRINT CORPORATION PCS GROUP COM 852061506 2040 99860 SH SOLE 98660 1200
SPRINT CORPORATION PCS GROUP COM 852061506 81 3985 SH DEFINED 2920 265 800
SUMMIT FINL GROUP INC COM 86606G101 231 6524 SH SOLE 1518 5006
SUN MICROSYSTEMS INC CO COM 866810104 2853 102376 SH SOLE 100676 1700
SUN MICROSYSTEMS INC CO COM 866810104 52 1900 SH DEFINED 1560 140 200
SUNTRUST BKS INC CO COM 867914103 1328 21088 SH SOLE 20928 160
SUNTRUST BKS INC CO COM 867914103 88 1410 SH DEFINED 1250 160
SYSCO CORP CO COM 871829107 273 9112 SH SOLE 9112
TENNESSEE VALLEY AUTH QU PREFERRED 880591201 394 15800 SH SOLE 15800
TENNESSEE VALLEY AUTH QU PREFERRED 880591201 24 975 SH DEFINED 975
TENN VALLEY AUTH 6.50 05/01/29 PREFERRED 880591409 138 6000 SH SOLE 6000
TENN VALLEY AUTH 6.50 05/01/29 PREFERRED 880591409 92 4000 SH DEFINED 4000
TEXACO INC CO COM 881694103 1007 16218 SH SOLE 16018 200
TEXACO INC CO COM 881694103 559 9008 SH DEFINED 7408 1600
TEXAS INSTRS INC CO COM 882508104 2349 49600 SH SOLE 48975 625
TEXAS INSTRS INC CO COM 882508104 230 4860 SH DEFINED 4500 160 200
TIME WARNER INC CO COM 887315109 2502 47912 SH SOLE 46912 1000
TIME WARNER INC CO COM 887315109 99 1905 SH DEFINED 1815 90
TRIBUNE CO NEW CO COM 896047107 760 17990 SH SOLE 17794 196
TRIBUNE CO NEW CO COM 896047107 48 1150 SH DEFINED 1150
TYCO INTL LTD (NEW) COM 902124106 2621 47228 SH SOLE 45728 1500
TYCO INTL LTD (NEW) COM 902124106 1178 21237 SH DEFINED 20684 140 413
UNION CARBIDE CORP CO COM 905581104 158 2942 SH SOLE 2900 42
UNION CARBIDE CORP CO COM 905581104 71 1333 SH DEFINED 1333
UNITED BANKSHARES INC WEST VCO COM 909907107 40679 1914323 SH SOLE 1810031 104292
UNITED BANKSHARES INC WEST VCO COM 909907107 7452 350695 SH DEFINED 216510 83024 51161
UNITED TECHNOLOGIES CORP CO COM 913017109 551 7018 SH SOLE 6048 970
UNITED TECHNOLOGIES CORP CO COM 913017109 94 1200 SH DEFINED 1200
VERIZON COMMUNICATIONS COM COM 92343V104 3011 60075 SH SOLE 59255 820
VERIZON COMMUNICATIONS COM COM 92343V104 1409 28116 SH DEFINED 24318 3198 600
VIACOM INC CL COM 925524308 344 7360 SH SOLE 7360
VIACOM INC CL COM 925524308 348 7459 SH DEFINED 7459
VODAFONE GROUP PLC COM 92857W100 643 17955 SH SOLE 16705 1250
VODAFONE GROUP PLC COM 92857W100 375 10498 SH DEFINED 10008 490
WACHOVIA CORP CO COM 929771103 173 2980 SH SOLE 2630 350
WACHOVIA CORP CO COM 929771103 127 2200 SH DEFINED 1800 400
WAL MART STORES INC CO COM 931142103 886 16692 SH SOLE 16292 400
WAL MART STORES INC CO COM 931142103 318 5990 SH DEFINED 5725 265
WALGREEN CO CO COM 931422109 321 7700 SH SOLE 6900 800
WALGREEN CO CO COM 931422109 137 3300 SH DEFINED 3300
WESBANCO INC CO COM 950810101 639 27193 SH SOLE 27193
WESBANCO INC CO COM 950810101 390 16600 SH DEFINED 14376 1950 274
WV COAL LAND CO COM 954991576 436 276 SH SOLE 276
WV COAL LAND CO COM 954991576 9 6 SH DEFINED 6
WILLIAMS COMPANIES INC COM 969457100 515 12899 SH SOLE 12799 100
WILLIAMS COMPANIES INC COM 969457100 57 1440 SH DEFINED 1340 100
WORLDCOM INC GA NEW COM COM 98157D106 1140 81122 SH SOLE 78535 2587
WORLDCOM INC GA NEW COM COM 98157D106 135 9612 SH DEFINED 7645 295 1672
XEROX CORP CO COM 984121103 23 5035 SH SOLE 5035
XEROX CORP CO COM 984121103 33 7320 SH DEFINED 7320
ZIONS BANCORP COM 989701107 222 3570 SH SOLE 3570
COMMUNITY BANKSHARES, INC COM 993000058 483 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 668 46675 SH SOLE 45125 1550
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LORAL SPACE & COMMUNICATIONSCO COM G56462107 16 5040 SH SOLE 4040 1000
LORAL SPACE & COMMUNICATIONSCO COM G56462107 19 6200 SH DEFINED 6200
</TABLE>
