UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 31, 1999
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: Laurel Trust Company
Address: 551 Main Street
Johnstown, PA 15901
Form 13F File Number: 28-07668
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: Mr. Kim Craig
Title: President and Chief Operating Officer
Phone: 814 536 2110
Signature, Place, and Date of Signing:
/s/ Kim Craig Johnstown, Pennsylvania February 14, 2000
- ------------- ----------------------- -----------------
[Signature] [City, State] [Date]
Report Type:
[ X ] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting
manager are reported in this report.)
[ ] 13F NOTICE. (Check here if no holdings reported are in this report, and
all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for
this reporting manager are reported in this report and a portion are
reported by other reporting manager(s).)
<PAGE>
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 2
Form 13F Information Table Entry Total: 81
Form 13F Information Table Value Total: $146,607
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is filed,
other than the manager filing this report.
No. Form 13F File Number Name
1 28-07666 BT Financial Corporation
2 28- Laurel Investment Advisors, Inc.
--------
<PAGE>
<TABLE>
Form 13F INFORMATION TABLE
<CAPTION>
TITLE OF CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS NUMBER (X$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- ----------------------------------------------------------------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AT & T CORP COM 001957109 310 6102 SH OTHER 1, 2 5597 0 505
ABBOTT LABS COM 002824100 2065 56879 SH OTHER 1, 2 54980 480 1419
AMERICA ONLINE INC DEL COM 02364J104 1165 15368 SH OTHER 1, 2 15168 0 200
AMERICAN EXPRESS CO COM 025816109 245 1475 SH OTHER 1, 2 1475 0 0
AMERICAN GENERAL CORP COM 026351106 276 3648 SH OTHER 1, 2 3648 0 0
AMERICAN HOME PRODS CORP COM 026609107 254 6489 SH OTHER 1, 2 4489 0 2000
AMERICAN INTL GROUP INC COM 026874107 3760 34784 SH OTHER 1, 2 33604 381 799
AMGEN INC COM 031162100 4783 79646 SH OTHER 1, 2 76646 400 2600
AUTOMATIC DATA PROCESSING INC COM 053015103 4293 79703 SH OTHER 1, 2 76750 840 2113
BT FINL CORP COM 055763106 3500 159127 SH DEFINED 1 118771 0 40356
BT FINL CORP COM 055763106 438 19935 SH DEFINED 1 1606 0 18329
BELL ATLANTIC CORP COM 077853109 702 11414 SH OTHER 1, 2 10938 0 476
CBS CORP COM 12490K107 5265 82362 SH OTHER 1, 2 79550 925 1887
CBS CORP COM 12490K107 201 3156 SH OTHER 1, 2 746 0 2410
CARDINAL HEALTH INC COM 14149Y108 2176 45465 SH OTHER 1, 2 44736 547 182
CATERPILLAR INC DEL COM 149123101 870 18490 SH OTHER 1, 2 17595 199 696
CHEVRON CORPORATION COM 166751107 1384 15987 SH OTHER 1, 2 15423 185 379
CISCO SYS INC COM 17275R102 7883 73596 SH OTHER 1, 2 71006 744 1846
CISCO SYS INC COM 17275R102 277 2586 SH OTHER 1, 2 562 0 2024
CITIGROUP INC COM 172967101 4867 87418 SH OTHER 1, 2 82459 951 4008
COCA COLA CO COM 191216100 364 6250 SH OTHER 1, 2 6250 0 0
COMPUTER ASSOC INTL INC COM 204912109 1042 14905 SH OTHER 1, 2 12880 0 2025
DELL COMPUTER CORP COM 247025109 2237 43868 SH OTHER 1, 2 42548 400 920
DELPHI AUTOMOTIVE SYS CORP COM 247126105 179 11402 SH OTHER 1, 2 10976 114 311
DU PONT E I DE NEMOURS&CO COM 263534109 2047 21091 SH OTHER 1, 2 30228 244 619
E M C CORP MASS COM 268648102 7087 64876 SH OTHER 1, 2 62776 600 1500
EASTMAN KODAK CO COM 277461109 947 14307 SH OTHER 1, 2 13775 156 376
EASTMAN KODAK CO COM 277461109 304 4591 SH OTHER 1, 2 79 0 4512
EXXON MOBIL CORP COM 30231G102 2647 32871 SH OTHER 1, 2 32136 262 473
EXXON MOBIL CORP COM 30231G102 514 6385 SH OTHER 1, 2 5553 0 832
FEDERAL HOME LN MTG CORP COM 313400301 2101 44652 SH OTHER 1, 2 42757 622 1273
FEDERAL NATL MTG ASSN COM 313586109 305 4900 SH OTHER 1, 2 4700 0 200
FIRST COMWLTH FINL CORP PA COM 319829107 304 25366 SH OTHER 1, 2 7396 0 17970
GTE CORP COM 362320103 682 9669 SH OTHER 1, 2 7119 0 2550
GENERAL ELEC COMPANY COM 369604103 5380 34772 SH OTHER 1, 2 33589 530 653
GENERAL ELECTRIC CO COM 369604103 326 2113 SH OTHER 1, 2 274 0 1839
GENERAL MTRS CORP COM 370442105 1179 16235 SH OTHER 1, 2 15620 165 450
GILLETTE CO COM 375766102 1554 37753 SH OTHER 1, 2 36148 490 1115
GOODYEAR TIRE & RUBR CO COM 382550101 452 16137 SH OTHER 1, 2 15402 181 554
HONEYWELL INTL INC COM 438516106 859 14907 SH OTHER 1, 2 14407 0 500
HUNTINGTON BANCSHARES INC COM 446150104 8658 362745 SH OTHER 1, 2 321616 0 41129
ILLINOIS TOOL WKS INC COM 452308109 1458 21595 SH OTHER 1, 2 21385 110 100
<PAGE>
TITLE OF CUSIP VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER CLASS NUMBER (X$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
- ----------------------------------------------------------------------------------------------------------------------------------
INTEL CORP COM 458140100 5254 63834 SH OTHER 1, 2 62254 437 1143
INTEL CORP COM 458140100 250 3039 SH OTHER 1, 2 527 0 2512
INTERNATIONAL BUSINESS MACHS COM 459200101 5625 52153 SH OTHER 1, 2 50017 608 1528
INTERNATIONAL BUSINESS MACHS COM 459200101 266 2466 SH OTHER 1, 2 346 0 2120
JOHNSON & JOHNSON COM 478160104 563 6045 SH OTHER 1, 2 5445 0 600
LUCENT TECHNOLOGIES INC COM 549463107 3581 47756 SH OTHER 1, 2 46108 138 1510
LUCENT TECHNOLOGIES INC COM 549463107 297 3964 SH OTHER 1, 2 943 0 3021
MBNA CORP COM 55262L100 3046 111794 SH OTHER 1, 2 107856 1232 2706
MCI WORLDCOM INC COM 55268B106 229 4328 SH OTHER 1, 2 4328 0 0
MCDONALDS CORP COM 580135101 1205 29904 SH OTHER 1, 2 29104 0 800
MEDTRONIC INC COM 585055106 3176 87211 SH OTHER 1, 2 82533 966 3712
MERCK & CO INC COM 589331107 3346 49823 SH OTHER 1, 2 48434 416 973
MERCK & CO INC COM 589331107 280 4177 SH OTHER 1, 2 336 0 3841
MERRILL LYNCH & CO INC COM 590188108 3427 41145 SH OTHER 1, 2 39742 482 921
MICROSOFT CORP COM 594918104 6493 55622 SH OTHER 1, 2 54067 487 1068
MICROSOFT CORP COM 594918104 255 2185 SH OTHER 1, 2 457 0 1728
MINNESOTA MNG & MFG CO COM 604059105 1397 14277 SH OTHER 1, 2 13754 151 372
MORGAN J P & CO INC COM 616880100 1336 10556 SH OTHER 1, 2 10164 138 254
NATIONAL CITY CORP COM 635405103 203 8600 SH OTHER 1, 2 8600 0 0
NORTHERN TR CORP COM 665859104 3538 66762 SH OTHER 1, 2 65650 662 1450
PEOPLES HERITAGE FINL GROUP COM 711147108 194 12892 SH OTHER 1, 2 12892 0 0
PEPSICO INC COM 713448108 605 17190 SH OTHER 1, 2 7190 0 10000
PFIZER INC COM 717081103 1206 37196 SH OTHER 1, 2 35375 833 988
PHILIP MORRIS COS INC COM 718154107 781 33987 SH OTHER 1, 2 33493 48 446
PROCTER & GAMBLE CO COM 742718109 2138 19517 SH OTHER 1, 2 18986 152 379
RAMBUS INC DEL COM 750917106 404 6000 SH OTHER 1, 2 6000 0 0
ROYAL DUTCH PETE CO NY REG 780257804 236 3900 SH OTHER 1, 2 3900 0 0
GLD1.25
S & T BANCORP INC COM 783859101 278 12032 SH OTHER 1, 2 12032 0 0
SBC COMMUNICATIONS INC COM 78387G103 467 9583 SH OTHER 1, 2 9583 0 0
SBC COMMUNICATIONS INC COM 78387G103 212 4360 SH OTHER 1, 2 0 0 1378
SAFEWAY INC COM NEW 786514208 1976 55278 SH OTHER 1, 2 53311 589 1378
SCHERING PLOUGH CORP COM 806605101 308 7276 SH OTHER 1, 2 7276 0 0
SCHWAB CHARLES CORP NEW COM 808513105 1267 33150 SH OTHER 1, 2 32150 200 800
SUSQUEHANNA BANCSHARES INC PA COM 869099101 793 50000 SH OTHER 1, 2 50000 0 0
TYCO INTL LTD NEW COM 902124106 1586 40681 SH OTHER 1, 2 39381 400 900
US BANCORP DEL COM 902973106 582 24452 SH OTHER 1, 2 19082 0 5370
USBANCORP INC PA COM 917292104 1358 115578 SH OTHER 1, 2 96217 0 19361
WAL-MARK STORES INC COM 931142103 2749 39781 SH OTHER 1, 2 37947 586 1248
WARNER LAMBERT CO COM 934488107 360 4400 SH OTHER 1, 2 4400 0 0
------------------ ---------------------------
GRAND TOTALS 146607 2817914 2562243 18052 237619
</TABLE>
