UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 12/31/99
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: F&M TRUST COMPANY *ENTER INVESTMENT MANAGER NAM
ADDRESS: 38 ROUSS AVE *ENTER IN
FIRST FLOOR *ENTER IN
WINCHESTER *ENTER IN, VA 22601
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: BLAKE CURTIS
TITLE: VICE PRESIDENT
PHONE: (540)665-4375
SIGNATURE,PLACE,AND DATE OF SIGNING:
BLAKE CURTIS WINCHESTER, VA 1/1/00
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: 187
FORM 13F INFORMATION TABLE VALUE TOTAL: $151,740
<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
- ------------------------------ ---------------- --------- -------- -------- ---
- ---- ------- ------------ -------- -------- --------
ABBOTT LABORATORIES COMMON STOCK 002824100 822 22645 SH
DEFINED 22645 0 0
ABBOTT LABORATORIES COMMON STOCK 002824100 29 800 SH
OTHER 800 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 1283 47615 SH
DEFINED 47615 0 0
ALLEGHENY ENERGY INC COMMON STOCK 017361106 75 2800 SH
OTHER 2800 0 0
ALLTEL CORP COMMON STOCK 020039103 3002 36308 SH
DEFINED 36308 0 0
ALLTEL CORP COMMON STOCK 020039103 50 600 SH
OTHER 600 0 0
ALZA CORP CLASS A COMMON STOCK 022615108 59 1700 SH
DEFINED 1700 0 0
AMERICAN ELEC PWR CO COMMON STOCK 025537101 78 2423 SH
DEFINED 2423 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 3406 86773 SH
DEFINED 86773 0 0
AMERICAN HOME PRODUCTS CORPORA COMMON STOCK 026609107 79 2000 SH
OTHER 2000 0 0
AMERICAN WOODMARK CORPORATION COMMON STOCK 030506109 15 621 SH
DEFINED 621 0 0
ANHEUSER-BUSCH COMPANIES INC COMMON STOCK 035229103 52 730 SH
DEFINED 730 0 0
AON CORPORATION COMMON STOCK 037389103 39 985 SH
DEFINED 985 0 0
AT & T CORP COMMON STOCK 001957109 1488 29284 SH
DEFINED 29284 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 561 6490 SH
DEFINED 6490 0 0
ATLANTIC RICHFIELD COMPANY COMMON STOCK 048825103 17 200 SH
OTHER 200 0 0
BANC ONE CORP COMMON STOCK 06423A103 131 4082 SH
DEFINED 4082 0 0
BANC ONE CORP COMMON STOCK 06423A103 4 121 SH
OTHER 121 0 0
BANCROFT CONV FUND INC COMMON STOCK 059695106 20 1003 SH
DEFINED 1003 0 0
BAXTER INTERNATIONAL INCORPORA COMMON STOCK 071813109 1650 26265 SH
DEFINED 26265 0 0
BAXTER INTERNATIONAL INCORPORA COMMON STOCK 071813109 41 660 SH
OTHER 660 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 4405 71546 SH
DEFINED 71546 0 0
BELL ATLANTIC CORP. COMMON STOCK 077853109 279 4528 SH
OTHER 4528 0 0
BELLSOUTH CORP COMMON STOCK 079860102 2701 57708 SH
DEFINED 57708 0 0
BELLSOUTH CORP COMMON STOCK 079860102 295 6299 SH
OTHER 6299 0 0
BESTFOODS COMMON STOCK 08658U101 419 7970 SH
DEFINED 7970 0 0
BESTFOODS COMMON STOCK 08658U101 121 2300 SH
OTHER 2300 0 0
BIOMET INCORPORATED COMMON STOCK 090613100 40 1000 SH
DEFINED 1000 0 0
BOEING COMPANY COMMON STOCK 097023105 1919 46313 SH
DEFINED 46313 0 0
BOEING COMPANY COMMON STOCK 097023105 27 650 SH
OTHER 650 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 6268 97647 SH
DEFINED 97647 0 0
BRISTOL-MYERS SQUIBB COMPANY COMMON STOCK 110122108 221 3450 SH
OTHER 3450 0 0
CAMPBELL SOUP COMPANY COMMON STOCK 134429109 19 500 SH
DEFINED 500 0 0
CBS CORP COMMON STOCK 12490K107 70 1100 SH
DEFINED 1100 0 0
CBS CORP COMMON STOCK 12490K107 26 400 SH
OTHER 400 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 3610 41674 SH
DEFINED 41674 0 0
CHEVRON CORPORATION COMMON STOCK 166751107 35 400 SH
OTHER 400 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 84 1870 SH
DEFINED 1870 0 0
CIRCUIT CITY STORES INC COMMON STOCK 172737108 14 300 SH
OTHER 300 0 0
CK WITCO CORP COMMON STOCK 12562C108 62 4650 SH
DEFINED 4650 0 0
CK WITCO CORP COMMON STOCK 12562C108 7 500 SH
OTHER 500 0 0
COCA COLA COMPANY COMMON STOCK 191216100 7620 130820 SH
DEFINED 130820 0 0
COCA COLA COMPANY COMMON STOCK 191216100 331 5675 SH
OTHER 5675 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 4145 63765 SH
DEFINED 63765 0 0
COLGATE-PALMOLIVE COMPANY COMMON STOCK 194162103 65 1000 SH
OTHER 1000 0 0
CONAGRA INCORPORATED COMMON STOCK 205887102 5 200 SH
OTHER 200 0 0
CONSOLIDATED EDISON INC COMMON STOCK 209115104 17 496 SH
DEFINED 496 0 0
CONSTELLATION ENERGY GROUP INC COMMON STOCK 210371100 83 2850 SH
DEFINED 2850 0 0
CSX CORPORATION COMMON STOCK 126408103 137 4366 SH
DEFINED 4366 0 0
CSX CORPORATION COMMON STOCK 126408103 19 600 SH
OTHER 600 0 0
CVS CORPORATION COMMON STOCK 126650100 357 8960 SH
DEFINED 8960 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 1080 36914 SH
DEFINED 36914 0 0
DISNEY (WALT) CO NEW COMMON STOCK 254687106 6 200 SH
OTHER 200 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 702 17898 SH
DEFINED 17898 0 0
DOMINION RESOURCES INC COMMON STOCK 257470104 12 300 SH
OTHER 300 0 0
DONALDSON INCORPORATED COMMON STOCK 257651109 20 832 SH
DEFINED 832 0 0
DONNELLEY (R.R.) & SONS COMPAN COMMON STOCK 257867101 6 260 SH
DEFINED 260 0 0
DONNELLEY (R.R.) & SONS COMPAN COMMON STOCK 257867101 20 800 SH
OTHER 800 0 0
DOVER CORPORATION COMMON STOCK 260003108 32 700 SH
DEFINED 700 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 209 1565 SH
DEFINED 1565 0 0
DOW CHEMICAL COMPANY COMMON STOCK 260543103 7 50 SH
OTHER 50 0 0
DU PONT DE NEMOURS & COMPANY COMMON STOCK 263534109 1598 24264 SH
DEFINED 24264 0 0
DUFF & PHELPHS UTILITIES INC COMMON STOCK 264324104 33 4000 SH
DEFINED 4000 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 437 8725 SH
DEFINED 8725 0 0
DUKE ENERGY CORP COMMON STOCK 264399106 30 600 SH
OTHER 600 0 0
EASTMAN KODAK COMPANY COMMON STOCK 277461109 38 577 SH
DEFINED 577 0 0
ENRON CORPORATION COMMON STOCK 293561106 51 1160 SH
DEFINED 1160 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 5788 71851 SH
DEFINED 71851 0 0
EXXON MOBIL CORP COMMON STOCK 30231G102 151 1870 SH
OTHER 1870 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 6978 253171 SH
DEFINED 253171 0 0
F & M NATIONAL CORPORATION COMMON STOCK 302374103 135 4882 SH
OTHER 4882 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 1101 25601 SH
DEFINED 25601 0 0
FIRST VIRGINIA BANKS INCORPORA COMMON STOCK 337477103 168 3917 SH
OTHER 3917 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 1555 29162 SH
DEFINED 29162 0 0
FORD MOTOR COMPANY COMMON STOCK 345370100 411 7700 SH
OTHER 7700 0 0
FPL GROUP, INC COMMON STOCK 302571104 1688 39426 SH
DEFINED 39426 0 0
FPL GROUP, INC COMMON STOCK 302571104 51 1200 SH
OTHER 1200 0 0
FULTON FINANCIAL CORPORATION COMMON STOCK 360271100 91 5030 SH
DEFINED 5030 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 20064 129656 SH
DEFINED 129656 0 0
GENERAL ELECTRIC COMPANY COMMON STOCK 369604103 513 3316 SH
OTHER 3316 0 0
GENERAL MILLS INCORPORATED COMMON STOCK 370334104 29 800 SH
DEFINED 800 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 221 3040 SH
DEFINED 3040 0 0
GENERAL MOTORS CORPORATION COMMON STOCK 370442105 29 400 SH
OTHER 400 0 0
GILLETTE COMPANY COMMON STOCK 375766102 1255 30464 SH
DEFINED 30464 0 0
GILLETTE COMPANY COMMON STOCK 375766102 16 400 SH
OTHER 400 0 0
GTE CORPORATION COMMON STOCK 362320103 2761 39133 SH
DEFINED 39133 0 0
GTE CORPORATION COMMON STOCK 362320103 87 1234 SH
OTHER 1234 0 0
HAWAIIAN ELECTRIC INDS COMMON STOCK 419870100 6 200 SH
DEFINED 200 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 374 9404 SH
DEFINED 9404 0 0
HEINZ (H J) & COMPANY COMMON STOCK 423074103 36 900 SH
OTHER 900 0 0
HEWLETT PACKARD COMPANY COMMON STOCK 428236103 509 4475 SH
DEFINED 4475 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 9 275 SH
DEFINED 275 0 0
HILLENBRAND INDUSTRIES INCORPO COMMON STOCK 431573104 10 300 SH
OTHER 300 0 0
HOME DEPOT INCORPORATED COMMON STOCK 437076102 100 1450 SH
DEFINED 1450 0 0
HONEYWELL INTL INC COMMON STOCK 438516106 1417 24570 SH
DEFINED 24570 0 0
IBM CORPORATION COMMON STOCK 459200101 2064 19136 SH
DEFINED 19136 0 0
IBM CORPORATION COMMON STOCK 459200101 102 950 SH
OTHER 950 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 842 12460 SH
DEFINED 12460 0 0
ILLINOIS TOOL WORKS INCORPORAT COMMON STOCK 452308109 37 550 SH
OTHER 550 0 0
INTEL CORPORATION COMMON STOCK 458140100 7429 90250 SH
DEFINED 90250 0 0
INTEL CORPORATION COMMON STOCK 458140100 95 1150 SH
OTHER 1150 0 0
INTERNATIONAL THOROUGHBRED BRE COMMON STOCK 460491806 0 75 SH
DEFINED 75 0 0
ITT INDUSTRIES COMMON STOCK 450911102 3 100 SH
DEFINED 100 0 0
JOHN HANCOCK INVESTORS TR COMMON STOCK 410142103 8 500 SH
DEFINED 500 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 5449 58429 SH
DEFINED 58429 0 0
JOHNSON & JOHNSON COMMON STOCK 478160104 247 2650 SH
OTHER 2650 0 0
KELLOGG COMPANY COMMON STOCK 487836108 58 1886 SH
DEFINED 1886 0 0
KIMBERLY-CLARK CORPORATION COMMON STOCK 494368103 48 730 SH
DEFINED 730 0 0
LACLEDE GAS CO COMMON STOCK 505588103 11 500 SH
OTHER 500 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 303 4560 SH
DEFINED 4560 0 0
LILLY (ELI) COMPANY COMMON STOCK 532457108 7 100 SH
OTHER 100 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 2885 71570 SH
DEFINED 71570 0 0
MCDONALD'S CORPORATION COMMON STOCK 580135101 63 1566 SH
OTHER 1566 0 0
MDU RESOURCES GROUP, INC. COMMON STOCK 552690109 104 5215 SH
DEFINED 5215 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 1057 29020 SH
DEFINED 29020 0 0
MEDTRONIC INCORPORATED COMMON STOCK 585055106 11 300 SH
OTHER 300 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 2507 37310 SH
DEFINED 37310 0 0
MERCK & COMPANY INCORPORATED COMMON STOCK 589331107 126 1875 SH
OTHER 1875 0 0
MONSANTO COMPANY COMMON STOCK 611662107 292 8230 SH
DEFINED 8230 0 0
MONSANTO COMPANY COMMON STOCK 611662107 71 2000 SH
OTHER 2000 0 0
MONTANA POWER CO COMMON STOCK 612085100 36 1000 SH
DEFINED 1000 0 0
MONTANA POWER CO COMMON STOCK 612085100 14 400 SH
OTHER 400 0 0
MORGAN (J.P.) & COMPANY COMMON STOCK 616880100 405 3201 SH
DEFINED 3201 0 0
MORGAN (J.P.) & COMPANY COMMON STOCK 616880100 114 900 SH
OTHER 900 0 0
MYLAN LABS INCORPORATED COMMON STOCK 628530107 31 1237 SH
DEFINED 1237 0 0
NEW ENG ELECTRIC SYSTEM COMMON STOCK 644001109 31 600 SH
DEFINED 600 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 404 19692 SH
DEFINED 19692 0 0
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 34 1660 SH
OTHER 1660 0 0
NORTHERN STATES POWER CO COMMON STOCK 665772109 73 3740 SH
DEFINED 3740 0 0
PENNEY (J.C.) COMPANY INCORPOR COMMON STOCK 708160106 50 2500 SH
DEFINED 2500 0 0
PEOPLES ENERGY CORP COMMON STOCK 711030106 74 2200 SH
DEFINED 2200 0 0
PEOPLES ENERGY CORP COMMON STOCK 711030106 7 200 SH
OTHER 200 0 0
PEPSICO INCORPORATED COMMON STOCK 713448108 860 24411 SH
DEFINED 24411 0 0
PEPSICO INCORPORATED COMMON STOCK 713448108 18 500 SH
OTHER 500 0 0
PFIZER INCORPORATED COMMON STOCK 717081103 3423 105537 SH
DEFINED 105537 0 0
PFIZER INCORPORATED COMMON STOCK 717081103 297 9150 SH
OTHER 9150 0 0
PHILIP MORRIS COMPANIES INCORP COMMON STOCK 718154107 1271 55255 SH
DEFINED 55255 0 0
PHILIP MORRIS COMPANIES INCORP COMMON STOCK 718154107 2 100 SH
OTHER 100 0 0
POTOMAC ELECTRIC POWER COMPANY COMMON STOCK 737679100 145 6341 SH
DEFINED 6341 0 0
PPG INDUSTRIES INCORPORATED COMMON STOCK 693506107 387 6186 SH
DEFINED 6186 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 3786 34560 SH
DEFINED 34560 0 0
PROCTER & GAMBLE COMPANY COMMON STOCK 742718109 61 557 SH
OTHER 557 0 0
PROVIDENT BANKSHARES CORPORATI COMMON STOCK 743859100 44 2550 SH
DEFINED 2550 0 0
QUAKER OATS COMPANY COMMON STOCK 747402105 203 3100 SH
DEFINED 3100 0 0
RAYTHEON CO CL B COMMON STOCK 755111408 19 700 SH
DEFINED 700 0 0
RELIANT ENERGY INC. COMMON STOCK 75952J108 25 1100 SH
DEFINED 1100 0 0
RIGGS NATIONAL CORPORATION COMMON STOCK 766570105 28 2100 SH
DEFINED 2100 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 143 6500 SH
DEFINED 6500 0 0
SARA LEE CORPORATION COMMON STOCK 803111103 18 800 SH
OTHER 800 0 0
SBC COMMUNICATIONS COMMON STOCK 78387G103 2090 42873 SH
DEFINED 42873 0 0
SBC COMMUNICATIONS COMMON STOCK 78387G103 7 146 SH
OTHER 146 0 0
SCHERING-PLOUGH CORP COMMON STOCK 806605101 168 3960 SH
DEFINED 3960 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 675 12033 SH
DEFINED 12033 0 0
SCHLUMBERGER LIMITED COMMON STOCK 806857108 34 600 SH
OTHER 600 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 52 2212 SH
DEFINED 2212 0 0
SOUTHERN COMPANY COMMON STOCK 842587107 33 1400 SH
OTHER 1400 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 3144 45694 SH
DEFINED 45694 0 0
SUNTRUST BANKS INC COMMON STOCK 867914103 127 1848 SH
OTHER 1848 0 0
SUPERIOR INDUSTRIES INTERNATIO COMMON STOCK 868168105 27 1000 SH
DEFINED 1000 0 0
SYSCO CORPORATION COMMON STOCK 871829107 119 3000 SH
DEFINED 3000 0 0
TECO ENERGY COMMON STOCK 872375100 169 9100 SH
DEFINED 9100 0 0
TEMPLE-INLAND INCORPORATED COMMON STOCK 879868107 26 400 SH
DEFINED 400 0 0
TEXACO INCORPORATED COMMON STOCK 881694103 261 4800 SH
DEFINED 4800 0 0
TEXACO INCORPORATED COMMON STOCK 881694103 54 1000 SH
OTHER 1000 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 1232 16065 SH
DEFINED 16065 0 0
TEXTRON INCORPORATED COMMON STOCK 883203101 12 150 SH
OTHER 150 0 0
TIME WARNER INCORPORATED COMMON STOCK 887315109 3353 46364 SH
DEFINED 46364 0 0
TIME WARNER INCORPORATED COMMON STOCK 887315109 43 600 SH
OTHER 600 0 0
TPA OF AMERICA, INC COMMON STOCK 872605100 0 1000 SH
DEFINED 1000 0 0
UNION CARBIDE CORPORATION COMMON STOCK 905581104 15 218 SH
DEFINED 218 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 19 425 SH
DEFINED 425 0 0
UNION PACIFIC CORPORATION COMMON STOCK 907818108 15 332 SH
OTHER 332 0 0
UNITED TECHNOLOGIES CORPORATIO COMMON STOCK 913017109 34 500 SH
DEFINED 500 0 0
US WEST INC NEW COMMON STOCK 91273H101 773 10732 SH
DEFINED 10732 0 0
WALMART STORES INCORPORATED COMMON STOCK 931142103 2752 39815 SH
DEFINED 39815 0 0
WALMART STORES INCORPORATED COMMON STOCK 931142103 194 2800 SH
OTHER 2800 0 0
WARNER-LAMBERT COMPANY COMMON STOCK 934488107 3449 42097 SH
DEFINED 42097 0 0
WARNER-LAMBERT COMPANY COMMON STOCK 934488107 41 500 SH
OTHER 500 0 0
WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 512 18600 SH
DEFINED 18600 0 0
WASHINGTON GAS LIGHT CO COMMON STOCK 938837101 41 1500 SH
OTHER 1500 0 0
WASHINGTON REIT SBI COMMON STOCK 939653101 17 1150 SH
DEFINED 1150 0 0
WESTVACO CORPORATION COMMON STOCK 961548104 31 943 SH
DEFINED 943 0 0
WHITMAN CORPORATION NEW COMMON STOCK 96647R107 34 2500 SH
DEFINED 2500 0 0
WISCONSIN ENERGY CORP COMMON STOCK 976657106 23 1200 SH
DEFINED 1200 0 0
AGNICO EAGLE MINES LIMITED COMMON STOCK 008474108 0 5 SH
OTHER 5 0 0
GLAXO WELLCOME PLC SPONSORED A COMMON STOCK 37733W105 168 3000 SH
DEFINED 3000 0 0
ATLANTIC RICHFIELD CO $2.80 PF PREFERRED STOCK 048825400 40 100 SH
DEFINED N.A. N.A. N.A.
</TABLE>
