UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/30/00
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: First Virginia Bank
ADDRESS: Room 840
6400 Arlington Blvd
Falls Church, VA 22042
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: Mary Turner
TITLE: Trust Operations
PHONE: (703)533-6250
SIGNATURE,PLACE,AND DATE OF SIGNING:
Mary Turner Falls Church, VA 10/4/00
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
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: 905
FORM 13F INFORMATION TABLE VALUE TOTAL: $486,181
<PAGE>
<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
AAR CORPORATION COMMON STOCK 000361105 5 430 SH OTHER 430 0 0
ABBOTT LABS COMMON STOCK 002824100 2784 58532 SH DEFINED 56082 0 2450
ABBOTT LABS COMMON STOCK 002824100 1398 29390 SH OTHER 29190 0 200
ADAMS RESOURCES & ENERGY COMMON STOCK 006351308 6 406 SH DEFINED 406 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 42 1560 SH OTHER 1560 0 0
AES CORP COMMON STOCK 00130H105 48 700 SH DEFINED 700 0 0
AETNA INC. COMMON STOCK 008117103 46 800 SH DEFINED 800 0 0
AETNA INC. COMMON STOCK 008117103 46 800 SH OTHER 800 0 0
AFFILIATED COMPUTER SVCS-A COMMON STOCK 008190100 5 100 SH OTHER 0 100 0
AFLAC INC COMMON STOCK 001055102 423 6600 SH DEFINED 6600 0 0
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 701 14316 SH DEFINED 13516 0 800
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 172 3515 SH OTHER 3515 0 0
AGL RESOURCES, INC. COMMON STOCK 001204106 6 296 SH OTHER 296 0 0
ALBERTSONS INC COMMON STOCK 013104104 215 10250 SH DEFINED 10250 0 0
ALBERTSONS INC COMMON STOCK 013104104 95 4525 SH OTHER 4525 0 0
ALCOA INC COMMON STOCK 013817101 738 29170 SH DEFINED 26820 0 2350
ALCOA INC COMMON STOCK 013817101 35 1400 SH OTHER 1400 0 0
ALLEGHENY ENERGY, INC COMMON STOCK 017361106 9 240 SH DEFINED 240 0 0
ALLEGHENY ENERGY, INC COMMON STOCK 017361106 15 400 SH OTHER 400 0 0
ALLEGHENY TECHNOLOGIES INC COMMON STOCK 01741R102 3 158 SH OTHER 158 0 0
ALLETE COMMON STOCK 018522102 44 2000 SH DEFINED 2000 0 0
ALLETE COMMON STOCK 018522102 10 444 SH OTHER 444 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 22 758 SH DEFINED 758 0 0
ALLIANT ENERGY CORP COMMON STOCK 018802108 12 397 SH OTHER 397 0 0
ALLIANT TECHSYSTEMS INC COMMON STOCK 018804104 6 75 SH DEFINED 75 0 0
ALLIANT TECHSYSTEMS INC COMMON STOCK 018804104 4 50 SH OTHER 50 0 0
ALLIED CAPITAL CORP (NEW) COMMON STOCK 01903Q108 13 640 SH OTHER 640 0 0
ALLMERICA FINANCIAL CORP COMMON STOCK 019754100 16 248 SH DEFINED 0 0 248
ALLMERICA FINANCIAL CORP COMMON STOCK 019754100 28 445 SH OTHER 445 0 0
ALLMERICA SECURITIES TRUST COMMON STOCK 019921105 7 700 SH DEFINED 700 0 0
ALLMERICA SECURITIES TRUST COMMON STOCK 019921105 2 200 SH OTHER 200 0 0
ALLSTATE CORP COMMON STOCK 020002101 345 9920 SH DEFINED 6584 0 3336
ALLSTATE CORP COMMON STOCK 020002101 60 1740 SH OTHER 1000 740 0
ALLTEL CORP COMMON STOCK 020039103 38 736 SH DEFINED 736 0 0
ALLTEL CORP COMMON STOCK 020039103 5 92 SH OTHER 92 0 0
ALZA CORP COMMON STOCK 022615108 52 600 SH DEFINED 600 0 0
AMERADA HESS CORP COMMON STOCK 023551104 43 648 SH DEFINED 648 0 0
AMEREN CORP COMMON STOCK 023608102 4 100 SH DEFINED 100 0 0
AMEREN CORP COMMON STOCK 023608102 9 206 SH OTHER 206 0 0
AMERICA ONLINE INC COMMON STOCK 02364J104 433 8050 SH DEFINED 6750 0 1300
AMERICA ONLINE INC COMMON STOCK 02364J104 51 950 SH OTHER 750 200 0
AMERICAN CAPITAL STRATEGIES LT COMMON STOCK 024937104 12 500 SH OTHER 500 0 0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 260 6658 SH DEFINED 6658 0 0
AMERICAN ELECTRIC POWER COMMON STOCK 025537101 293 7478 SH OTHER 7478 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109 1929 31752 SH DEFINED 27342 0 4410
AMERICAN EXPRESS CO COMMON STOCK 025816109 27 450 SH OTHER 250 200 0
AMERICAN GENERAL CORP COMMON STOCK 026351106 493 6324 SH DEFINED 6304 0 20
AMERICAN HOME PRODS CP COMMON STOCK 026609107 3769 66775 SH DEFINED 63855 0 2920
AMERICAN HOME PRODS CP COMMON STOCK 026609107 896 15870 SH OTHER 13550 2120 200
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 6531 68257 SH DEFINED 63598 0 4659
AMERICAN INTERNATIONAL GROUP COMMON STOCK 026874107 2388 24959 SH OTHER 24959 0 0
AMERICAN SCIENCE & ENGINEERING COMMON STOCK 029429107 243 35000 SH DEFINED 35000 0 0
AMERICAN WATER WORKS COMMON STOCK 030411102 6 200 SH DEFINED 200 0 0
AMERICAN WATER WORKS COMMON STOCK 030411102 17 600 SH OTHER 400 200 0
AMGEN INC COMMON STOCK 031162100 126 1800 SH DEFINED 1700 0 100
AMSOUTH BANCORPORATION COMMON STOCK 032165102 21 1718 SH OTHER 1718 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 80 1205 SH DEFINED 1205 0 0
ANADARKO PETROLEUM CORP COMMON STOCK 032511107 26 384 SH OTHER 384 0 0
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 1388 32800 SH DEFINED 32000 0 800
ANHEUSER BUSCH COS INC COMMON STOCK 035229103 186 4400 SH OTHER 4400 0 0
ANNAPOLIS NATIONAL BANCORP COMMON STOCK 035848100 4 1000 SH DEFINED 1000 0 0
AON CORP COMMON STOCK 037389103 59 1500 SH DEFINED 1500 0 0
APPLE COMPUTER INC COMMON STOCK 037833100 10 400 SH OTHER 400 0 0
APPLIED MATERIALS COMMON STOCK 038222105 2707 45640 SH DEFINED 41490 0 4150
APPLIED MATERIALS COMMON STOCK 038222105 354 5975 SH OTHER 5575 400 0
ARCHER DANIELS MIDLAND COMMON STOCK 039483102 14 1618 SH DEFINED 1618 0 0
ARGONAUT GROUP INC COMMON STOCK 040157109 2 99 SH OTHER 99 0 0
ARVINMERITOR INC COMMON STOCK 043353101 6 399 SH DEFINED 0 0 399
ARVINMERITOR INC COMMON STOCK 043353101 3 199 SH OTHER 199 0 0
ASHLAND INC COMMON STOCK 044204105 9 275 SH DEFINED 275 0 0
ASSOCIATES FIRST CAPITAL CL A COMMON STOCK 046008108 52 1374 SH DEFINED 1102 0 272
ASSOCIATES FIRST CAPITAL CL A COMMON STOCK 046008108 186 4882 SH OTHER 4882 0 0
AT&T CORP - LIBERTY MEDIA GROU COMMON STOCK 001957208 7 400 SH DEFINED 400 0 0
AT&T CORP. COMMON STOCK 001957109 2181 74240 SH DEFINED 69072 300 4868
AT&T CORP. COMMON STOCK 001957109 748 25473 SH OTHER 23973 750 750
ATLANTIC FINANCIAL COMMON STOCK 04853R100 20 1033 SH DEFINED 1033 0 0
ATRION CORP COMMON STOCK 049904105 38 3067 SH DEFINED 3067 0 0
AUTOLIV INC COMMON STOCK 052800109 6 306 SH DEFINED 306 0 0
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 6420 95996 SH DEFINED 89096 0 6900
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1295 19359 SH OTHER 17559 1800 0
AVERY DENNISON CORP COMMON STOCK 053611109 5 100 SH DEFINED 100 0 0
AVON PRODS INC COMMON STOCK 054303102 16 400 SH OTHER 400 0 0
AZURIX CORP COMMON STOCK 05501M104 1 300 SH OTHER 300 0 0
B.I. INC COMMON STOCK 055467203 4 500 SH DEFINED 500 0 0
BANK NEW YORK INC COMMON STOCK 064057102 600 10700 SH DEFINED 6300 0 4400
BANK OF AMERICA CORP COMMON STOCK 060505104 1477 28199 SH DEFINED 17302 0 10897
BANK OF AMERICA CORP COMMON STOCK 060505104 68 1304 SH OTHER 1304 0 0
BANK ONE CORP COMMON STOCK 06423A103 289 7485 SH DEFINED 6908 0 577
BANK ONE CORP COMMON STOCK 06423A103 111 2879 SH OTHER 2879 0 0
BANKNORTH GROUP INC COMMON STOCK 06646R107 9 500 SH DEFINED 500 0 0
BATTLE MOUNTAIN GOLD CO. COMMON STOCK 071593107 0 100 SH DEFINED 100 0 0
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 480 6008 SH DEFINED 3208 400 2400
BAXTER INTERNATIONAL INC. COMMON STOCK 071813109 184 2300 SH OTHER 2300 0 0
BB&T CORPORATION COMMON STOCK 054937107 710 23570 SH DEFINED 23570 0 0
BB&T CORPORATION COMMON STOCK 054937107 144 4768 SH OTHER 4768 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 62 992 SH DEFINED 992 0 0
BECTON DICKINSON & CO COMMON STOCK 075887109 11 400 SH OTHER 400 0 0
BELLSOUTH CORP COMMON STOCK 079860102 5641 139277 SH DEFINED 124283 1600 13394
BELLSOUTH CORP COMMON STOCK 079860102 917 22632 SH OTHER 22632 0 0
BEMA GOLD CORP COMMON STOCK 08135F107 1 1000 SH DEFINED 0 0 1000
BERINGER WINE ESTATES-B COMMON STOCK 084102102 6 100 SH DEFINED 0 0 100
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670207 62 30 SH DEFINED 30 0 0
BERKSHIRE HATHAWAY INC-CL B COMMON STOCK 084670207 43 21 SH OTHER 21 0 0
BEST BUY INC COMMON STOCK 086516101 25 400 SH DEFINED 400 0 0
BESTFOODS COMMON STOCK 08658U101 742 10195 SH DEFINED 9070 0 1125
BESTFOODS COMMON STOCK 08658U101 395 5434 SH OTHER 4734 0 700
BIG CITY RADIO INC COMMON STOCK 089098107 1 200 SH DEFINED 200 0 0
BJ'S WHOLESALE CLUB COMMON STOCK 05548J106 32 950 SH OTHER 950 0 0
BOEING CO COMMON STOCK 097023105 296 4700 SH DEFINED 4700 0 0
BOEING CO COMMON STOCK 097023105 84 1341 SH OTHER 1341 0 0
BOISE CASCADE CORP. COMMON STOCK 097383103 13 500 SH DEFINED 500 0 0
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 4847 84841 SH DEFINED 79616 2000 3225
BRISTOL-MYERS SQUIBB CO. COMMON STOCK 110122108 844 14780 SH OTHER 14680 100 0
BROADWING INC COMMON STOCK 111620100 70 2750 SH DEFINED 2550 0 200
BROADWING INC COMMON STOCK 111620100 33 1300 SH OTHER 1300 0 0
BROOKTROUT INC COMMON STOCK 114580103 74 2250 SH DEFINED 2250 0 0
BRUNSWICK CORP COMMON STOCK 117043109 62 3418 SH DEFINED 3418 0 0
BT FINANCIAL CORP COMMON STOCK 055763106 8 420 SH DEFINED 420 0 0
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 272 12630 SH DEFINED 11925 0 705
BURLINGTON NORTHERN SANTA FE C COMMON STOCK 12189T104 74 3421 SH OTHER 3421 0 0
BURLINGTON RES INC COMMON STOCK 122014103 13 348 SH DEFINED 348 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 18 700 SH DEFINED 700 0 0
CAMPBELL SOUP CO COMMON STOCK 134429109 105 4074 SH OTHER 2474 1600 0
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 1445 20631 SH DEFINED 8000 0 12631
CAPITAL ONE FINANCIAL CORP COMMON STOCK 14040H105 74 1060 SH OTHER 1060 0 0
CAPITAL TRUST-CL A COMMON STOCK 14052H100 1 300 SH OTHER 300 0 0
CARDINAL HEALTH INC COMMON STOCK 14149Y108 165 1872 SH DEFINED 1275 0 597
CAREMARK RX INC COMMON STOCK 141705103 11 937 SH DEFINED 484 0 453
CARNIVAL CORP COMMON STOCK 143658102 512 20800 SH DEFINED 19550 0 1250
CARNIVAL CORP COMMON STOCK 143658102 34 1400 SH OTHER 1400 0 0
CATERPILLAR, INC COMMON STOCK 149123101 35 1026 SH DEFINED 1026 0 0
CATERPILLAR, INC COMMON STOCK 149123101 47 1400 SH OTHER 1400 0 0
CENDANT CORPORATION COMMON STOCK 151313103 9 792 SH DEFINED 792 0 0
CENTURA BANKS COMMON STOCK 15640T100 60 1571 SH OTHER 1571 0 0
CHALONE WINE GROUP LTD COMMON STOCK 157639105 1 100 SH DEFINED 0 0 100
CHARLES SCHWAB CORP COMMON STOCK 808513105 1214 34186 SH DEFINED 31949 0 2237
CHARLES SCHWAB CORP COMMON STOCK 808513105 59 1649 SH OTHER 1649 0 0
CHASE MANHATTAN CORP (NEW) COMMON STOCK 16161A108 147 3180 SH DEFINED 2220 0 960
CHASE MANHATTAN CORP (NEW) COMMON STOCK 16161A108 14 300 SH OTHER 300 0 0
CHEMED CORP COMMON STOCK 163596109 6 200 SH DEFINED 200 0 0
CHESAPEAKE CORP COMMON STOCK 165159104 23 1200 SH DEFINED 1200 0 0
CHESAPEAKE CORP COMMON STOCK 165159104 15 800 SH OTHER 800 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 1655 19415 SH DEFINED 18090 0 1325
CHEVRON CORPORATION COMMON STOCK 166751107 660 7746 SH OTHER 7746 0 0
CHIRON CORP COMMON STOCK 170040109 9 200 SH OTHER 200 0 0
CHOICEPOINT INC COMMON STOCK 170388102 5 100 SH DEFINED 100 0 0
CHOICEPOINT INC COMMON STOCK 170388102 8 180 SH OTHER 180 0 0
CHUBB CORP COMMON STOCK 171232101 127 1600 SH DEFINED 1600 0 0
CHUBB CORP COMMON STOCK 171232101 37 470 SH OTHER 470 0 0
CHURCHILL DOWNS INC COMMON STOCK 171484108 3 100 SH DEFINED 100 0 0
CINERGY CORP COMMON STOCK 172474108 69 2100 SH DEFINED 2100 0 0
CINERGY CORP COMMON STOCK 172474108 121 3671 SH OTHER 3671 0 0
CIRCUIT CITY GROUP COMMON STOCK 172737108 285 12400 SH DEFINED 11400 0 1000
CIRCUIT CITY GROUP COMMON STOCK 172737108 41 1800 SH OTHER 1500 300 0
CISCO SYSTEMS INC COMMON STOCK 17275R102 7701 139382 SH DEFINED 123532 0 15850
CISCO SYSTEMS INC COMMON STOCK 17275R102 1503 27200 SH OTHER 25900 1300 0
CITIGROUP INC. COMMON STOCK 172967101 1053 19482 SH DEFINED 13716 0 5766
CITIGROUP INC. COMMON STOCK 172967101 533 9851 SH OTHER 7455 2396 0
CITIZENS COMMUNICATIONS CO COMMON STOCK 17453B101 91 6791 SH OTHER 0 6791 0
CITRIX SYSTEMS COMMON STOCK 177376100 2 100 SH DEFINED 100 0 0
CITY INVESTING CO LIQ TR COMMON STOCK 177900107 0 210 SH DEFINED 210 0 0
CLARCOR INC COMMON STOCK 179895107 107 5500 SH DEFINED 5500 0 0
CLAYTON HOMES INC COMMON STOCK 184190106 10 950 SH OTHER 950 0 0
CLEAR CHANNEL COMMUNICATIONS COMMON STOCK 184502102 6 100 SH OTHER 100 0 0
CLECO CORPORATION COMMON STOCK 12561W105 31 664 SH DEFINED 664 0 0
CLOROX CO COMMON STOCK 189054109 744 18808 SH DEFINED 17908 0 900
CLOROX CO COMMON STOCK 189054109 243 6150 SH OTHER 6150 0 0
CNF TRANSPORTATION INC COMMON STOCK 12612W104 14 640 SH DEFINED 525 0 115
COASTAL CORP COMMON STOCK 190441105 342 4610 SH DEFINED 4610 0 0
COCA COLA BOTTLING CO CONSOL COMMON STOCK 191098102 5 110 SH OTHER 0 110 0
COCA COLA CO COMMON STOCK 191216100 3477 63066 SH DEFINED 55281 1400 6385
COCA COLA CO COMMON STOCK 191216100 1108 20102 SH OTHER 19300 400 402
COCA COLA ENTERPRISES COMMON STOCK 191219104 10 600 SH DEFINED 600 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 132 2800 SH DEFINED 2800 0 0
COLGATE PALMOLIVE CO COMMON STOCK 194162103 183 3870 SH OTHER 3870 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 36 502 SH OTHER 352 150 0
COMCAST CORP SPECIAL-CLASS A COMMON STOCK 200300200 8 200 SH DEFINED 0 0 200
COMERICA INC COMMON STOCK 200340107 41 700 SH DEFINED 700 0 0
COMPAQ COMPUTER CORP COMMON STOCK 204493100 112 4050 SH DEFINED 3350 0 700
COMVERSE TECHNOLOGY INC COMMON STOCK 205862402 206 1910 SH DEFINED 1910 0 0
CONAGRA INC COMMON STOCK 205887102 16 800 SH DEFINED 0 0 800
CONAGRA INC COMMON STOCK 205887102 7 360 SH OTHER 360 0 0
CONECTIV, INC. COMMON STOCK 206829103 89 5000 SH DEFINED 4500 0 500
CONECTIV, INC. COMMON STOCK 206829103 13 750 SH OTHER 0 0 750
CONEXANT SYSTEMS COMMON STOCK 207142100 96 2300 SH DEFINED 700 0 1600
CONEXANT SYSTEMS COMMON STOCK 207142100 34 800 SH OTHER 800 0 0
CONOCO INC-CL B COMMON STOCK 208251405 8 300 SH DEFINED 300 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 113 3323 SH DEFINED 855 0 2468
CONSOLIDATED EDISON INC COMMON STOCK 209115104 38 1108 SH OTHER 1108 0 0
CONSOLIDATED GRAPHICS INC COMMON STOCK 209341106 31 2636 SH DEFINED 2636 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 1153 23173 SH DEFINED 22773 0 400
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 659 13242 SH OTHER 10942 300 2000
CONVERGYS CORP COMMON STOCK 212485106 8 200 SH DEFINED 0 0 200
CONVERGYS CORP COMMON STOCK 212485106 51 1300 SH OTHER 1300 0 0
COOPER CAMERON CORP COMMON STOCK 216640102 20 278 SH DEFINED 278 0 0
COOPER INDUSTRIES INC COMMON STOCK 216669101 6 160 SH DEFINED 160 0 0
CORN PRODUCTS INTERNATIONAL COMMON STOCK 219023108 6 250 SH OTHER 250 0 0
CORNING INC COMMON STOCK 219350105 714 2400 SH DEFINED 2150 0 250
CORNING INC COMMON STOCK 219350105 119 400 SH OTHER 400 0 0
COVANCE INC COMMON STOCK 222816100 1 100 SH DEFINED 100 0 0
COX COMMUNICATIONS INC-CL A COMMON STOCK 224044107 11 300 SH DEFINED 300 0 0
CP&L ENERGY INC COMMON STOCK 12614C106 146 3500 SH DEFINED 3500 0 0
CRESTLINE CAPITAL COMMON STOCK 226153104 32 1602 SH DEFINED 1602 0 0
CRESTLINE CAPITAL COMMON STOCK 226153104 20 1007 SH OTHER 1007 0 0
CROMPTON CORPORATION COMMON STOCK 227116100 9 1154 SH DEFINED 1154 0 0
CROWN CORK & SEAL INC COMMON STOCK 228255105 3 263 SH OTHER 263 0 0
CSX CORP COMMON STOCK 126408103 296 13569 SH DEFINED 13169 0 400
CSX CORP COMMON STOCK 126408103 74 3412 SH OTHER 3212 200 0
CUBIST PHARMACEUTICALS INC COMMON STOCK 229678107 26 500 SH DEFINED 0 0 500
CVS CORP COMMON STOCK 126650100 157 3400 SH DEFINED 3400 0 0
CVS CORP COMMON STOCK 126650100 42 900 SH OTHER 900 0 0
CYTEC INDUSTRIES INC COMMON STOCK 232820100 11 342 SH OTHER 342 0 0
CYTOGEN CORP COMMON STOCK 232824102 3 500 SH DEFINED 500 0 0
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 4 100 SH DEFINED 100 0 0
DAIMLERCHRYSLER AG COMMON STOCK D1668R123 3 72 SH OTHER 72 0 0
DANA CORP COMMON STOCK 235811106 33 1520 SH DEFINED 1520 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 22 1037 SH DEFINED 1037 0 0
DARDEN RESTAURANTS INC COMMON STOCK 237194105 29 1404 SH OTHER 1404 0 0
DATASCOPE CORP COMMON STOCK 238113104 107 3200 SH DEFINED 0 0 3200
DEERE & CO COMMON STOCK 244199105 27 800 SH DEFINED 800 0 0
DEERE & CO COMMON STOCK 244199105 47 1400 SH OTHER 1400 0 0
DEL MONTE FOODS CO COMMON STOCK 24522P103 6 1000 SH OTHER 1000 0 0
DELHAIZE AMERICA INC -B COMMON STOCK 246688204 3 150 SH DEFINED 150 0 0
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 246 16295 SH DEFINED 15628 0 667
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 38 2526 SH OTHER 2526 0 0
DELTA AIRLINES, INC. COMMON STOCK 247361108 27 600 SH OTHER 600 0 0
DELUXE CORP COMMON STOCK 248019101 16 800 SH DEFINED 0 0 800
DELUXE CORP COMMON STOCK 248019101 20 1000 SH OTHER 1000 0 0
DEVON ENERGY CORPORATION NEW COMMON STOCK 25179M103 3 45 SH DEFINED 45 0 0
DIAGNOSTIC PRODUCTS CORP COMMON STOCK 252450101 129 2400 SH DEFINED 0 0 2400
DIAL CORP NEW COMMON STOCK 25247D101 8 719 SH DEFINED 719 0 0
DIAL CORP NEW COMMON STOCK 25247D101 7 600 SH OTHER 600 0 0
DIMON INC COMMON STOCK 254394109 2 500 SH OTHER 0 500 0
DOLLAR GENERAL CORP COMMON STOCK 256669102 34 2023 SH OTHER 2023 0 0
DOMINION RESOURCES INC/VA COMMON STOCK 25746U109 1669 28738 SH DEFINED 28057 0 681
DOMINION RESOURCES INC/VA COMMON STOCK 25746U109 591 10185 SH OTHER 9986 199 0
DOVER CORP COMMON STOCK 260003108 333 7100 SH DEFINED 7100 0 0
DOVER CORP COMMON STOCK 260003108 23 500 SH OTHER 500 0 0
DOW CHEMICAL CO COMMON STOCK 260543103 371 14861 SH DEFINED 14036 0 825
DOW CHEMICAL CO COMMON STOCK 260543103 294 11784 SH OTHER 11784 0 0
DOW JONES & CO INC COMMON STOCK 260561105 18 300 SH OTHER 300 0 0
DPL INC COMMON STOCK 233293109 104 3509 SH DEFINED 3509 0 0
DPL INC COMMON STOCK 233293109 135 4535 SH OTHER 4535 0 0
DQE, INC. COMMON STOCK 23329J104 21 528 SH DEFINED 528 0 0
DRESS BARN INC COMMON STOCK 261570105 4 200 SH OTHER 200 0 0
DTE ENERGY COMPANY COMMON STOCK 233331107 29 755 SH DEFINED 755 0 0
DTE ENERGY COMPANY COMMON STOCK 233331107 4 113 SH OTHER 113 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 2364 27573 SH DEFINED 25525 0 2048
DUKE ENERGY CORP COMMON STOCK 264399106 727 8477 SH OTHER 8277 200 0
DYNEGY INC CL A COMMON STOCK 26816Q101 34 600 SH DEFINED 600 0 0
E I DU PONT DE NEMOURS & CO. COMMON STOCK 263534109 2502 60374 SH DEFINED 57884 0 2490
E I DU PONT DE NEMOURS & CO. COMMON STOCK 263534109 764 18429 SH OTHER 17579 100 750
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 13 352 SH DEFINED 240 0 112
EASTMAN CHEMICAL COMPANY COMMON STOCK 277432100 4 100 SH OTHER 0 100 0
EASTMAN KODAK CO COMMON STOCK 277461109 149 3643 SH DEFINED 3147 0 496
EASTMAN KODAK CO COMMON STOCK 277461109 71 1725 SH OTHER 1500 225 0
EDISON INTERNATIONAL COMMON STOCK 281020107 11 578 SH DEFINED 578 0 0
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 24 1101 SH DEFINED 621 0 480
EDWARDS LIFESCIENCES CORP COMMON STOCK 28176E108 6 260 SH OTHER 260 0 0
EEX CORPORATION COMMON STOCK 26842V207 1 304 SH OTHER 304 0 0
EGLOBE INC COMMON STOCK 282339100 1 700 SH OTHER 700 0 0
EL PASO ENERGY COMMON STOCK 283905107 35 570 SH DEFINED 570 0 0
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 507 12225 SH DEFINED 11872 0 353
ELECTRONIC DATA SYSTEMS CORP COMMON STOCK 285661104 166 3992 SH OTHER 3592 400 0
EMC CORP COMMON STOCK 268648102 5622 56720 SH DEFINED 54370 0 2350
EMC CORP COMMON STOCK 268648102 30 300 SH OTHER 200 100 0
EMERSON ELECTRIC CO. COMMON STOCK 291011104 1437 21451 SH DEFINED 19811 0 1640
EMERSON ELECTRIC CO. COMMON STOCK 291011104 806 12024 SH OTHER 11224 0 800
EMS TECHNOLOGIES INC COMMON STOCK 26873N108 18 1210 SH DEFINED 1210 0 0
ENERGIZER HOLDINGS INC COMMON STOCK 29266R108 10 406 SH DEFINED 406 0 0
ENERGY EAST CORPORATION COMMON STOCK 29266M109 5 204 SH DEFINED 204 0 0
ENRON CORP COMMON STOCK 293561106 1260 14380 SH DEFINED 13980 0 400
ENRON CORP COMMON STOCK 293561106 184 2100 SH OTHER 600 1500 0
ENTERGY CORP (NEW) COMMON STOCK 29364G103 15 400 SH DEFINED 400 0 0
EOG RESOURCES COMMON STOCK 26875P101 3 70 SH DEFINED 0 0 70
EQUIFAX INC COMMON STOCK 294429105 1702 63178 SH DEFINED 60928 0 2250
EQUIFAX INC COMMON STOCK 294429105 422 15675 SH OTHER 15175 500 0
EXXON MOBIL CORP COMMON STOCK 30231G102 20090 225410 SH DEFINED 215548 900 8962
EXXON MOBIL CORP COMMON STOCK 30231G102 5831 65429 SH OTHER 62097 2532 800
F & M BANCORP/FREDERICK MD COMMON STOCK 302367107 23 1180 SH DEFINED 1180 0 0
F & M NATIONAL CORP COMMON STOCK 302374103 268 10970 SH DEFINED 10970 0 0
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK 313400301 161 2975 SH DEFINED 2900 0 75
FEDERAL HOME LOAN MORTGAGE COR COMMON STOCK 313400301 43 800 SH OTHER 800 0 0
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 5677 79405 SH DEFINED 71680 0 7725
FEDERAL NATIONAL MORTGAGE ASSN COMMON STOCK 313586109 1589 22230 SH OTHER 19930 700 1600
FEDERAL SIGNAL CORP COMMON STOCK 313855108 19 950 SH DEFINED 850 0 100
FEDERAL SIGNAL CORP COMMON STOCK 313855108 83 4170 SH OTHER 4170 0 0
FEDERATED DEPT STORES INC COMMON STOCK 31410H101 3 100 SH DEFINED 0 0 100
FEDEX CORPORATION COMMON STOCK 31428X106 333 7500 SH DEFINED 3050 0 4450
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NUVEEN PERFORMANCE PLUS MUNI F OTHER 67062P108 22 1766 SH DEFINED N.A. N.A. N.A.
NUVEEN PERFORMANCE PLUS MUNI F OTHER 67062P108 2 200 SH OTHER N.A. N.A. N.A.
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PUTNAM MANAGED MUNI INCOME TRU OTHER 746823103 23 2500 SH DEFINED N.A. N.A. N.A.
PUTNAM MUNI OPPORTUNITIES TRUS OTHER 746922103 9 666 SH DEFINED N.A. N.A. N.A.
VKM AMER CAPITAL INV GRADE MUN OTHER 920929106 14 1000 SH DEFINED N.A. N.A. N.A.
DIAMONDS TRUST SERIES I OTHER 252787106 11 100 SH DEFINED N.A. N.A. N.A.
EIF UIT 1ST EXCH SER AT&T SHRS OTHER 294700703 65 420 SH DEFINED N.A. N.A. N.A.
TCW / DW TERM TRUST 2003 OTHER 87234U108 9 1000 SH OTHER N.A. N.A. N.A.
MSDW INSURED MUNICIPAL INCOME OTHER 61745P791 13 1000 SH OTHER N.A. N.A. N.A.
ALLIANCE CAPITAL MGMT HOLD OTHER 01855A101 50 1000 SH DEFINED N.A. N.A. N.A.
AMERICAN CMNTY PPTYS TRUST L.P OTHER 02520N106 5 1150 SH DEFINED N.A. N.A. N.A.
BUCKEYE PARTNERS L P OTHER 118230101 40 1400 SH DEFINED N.A. N.A. N.A.
KANEB PIPE LINE PARTNERS L P OTHER 484169107 27 900 SH DEFINED N.A. N.A. N.A.
KINDER MORGAN ENERGY PARTNERS OTHER 494550106 56 1173 SH DEFINED N.A. N.A. N.A.
NORTHERN BORDER PARTNERS-LP OTHER 664785102 22 700 SH DEFINED N.A. N.A. N.A.
W.P. CAREY & CO. LLC OTHER 92930Y107 29 1649 SH OTHER N.A. N.A. N.A.
</TABLE>
