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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR CALENDAR YEAR END OR QUARTER ENDED: MARCH 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: THE FIRST NATIONAL BANK OF WEST CHESTER
ADDRESS: TRUST DEPARTMENT
P.O. BOX 3105
WEST CHESTER, PA 19381
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: CAROL LINDSEY
TITLE: ASSISTANT VICE PRESIDENT & TRUST OPERATIONS OFFICER
PHONE: 610-692-1451
SIGNATURE, PLACE, AND DATE OF SIGNING:
CAROL LINDSEY WEST CHESTER, PENNSYLVANIA April 20, 1999
REPORT TYPE (CHECK ONLY ONE.):
[ X] 13F HOLDINGS REPORT
[ ] 13F NOTICE
[ ] 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER
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: NONE
FORM 13F INFORMATION TABLE ENTRY TOTAL:
FORM 13F INFORMATION TABLE VALUE TOTAL:
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
DAIMLERCHRYSLER AG ORD D1668R123 446 5199 SH SOLE 200 0 4999
AMF INC RIGHTS 001005990 0 200 SH SOLE 200 0 0
AGL RES INC COM 001204106 36 2100 SH SOLE 2100 0 0
AT&T CORP COM 001957109 1505 18863 SH SOLE 17399 1164 300
AT&T CORP COM 001957109 372 4667 SH DEFINED 2039 2328 300
ABBOTT LABS COM 002824100 1560 33330 SH SOLE 32730 600 0
ABBOTT LABS COM 002824100 53 1140 SH DEFINED 0 1140 0
ADAMS EXPRESS CO COM 006212104 72 2669 SH SOLE 2669 0 0
AIR PRODS & CHEMS INC COM 009158106 102 3000 SH SOLE 3000 0 0
AIR PRODS & CHEMS INC COM 009158106 13 400 SH DEFINED 0 400 0
AIRTOUCH COMMUNICATNS COM 00949T100 43 446 SH SOLE 406 40 0
AIRTOUCH COMMUNICATNS COM 00949T100 19 200 SH DEFINED 200 0 0
ALBERTSONS INC COM 013104104 92 1700 SH SOLE 1700 0 0
ALBERTSONS INC COM 013104104 108 2000 SH DEFINED 1200 800 0
ALCOA INC COM 013817101 16 400 SH SOLE 400 0 0
ALLEGHENY ENERGY INC COM 017361106 35 1200 SH SOLE 1200 0 0
ALLERGAN INC COM 018490102 35 400 SH SOLE 400 0 0
ALLERGAN SPECIALTY THERAP CL A 018494104 0 20 SH SOLE 20 0 0
ALLIED CAP CORP NEW COM 01903Q108 12 700 SH SOLE 700 0 0
ALLIEDSIGNAL INC COM 019512102 29 600 SH SOLE 600 0 0
ALLSTATE CORP COM 020002101 701 18942 SH SOLE 6742 12200 0
ALLSTATE CORP COM 020002101 67 1834 SH DEFINED 688 1146 0
ALLSTATE CORP QUIBS SR 2097 020002200 15 600 SH SOLE 600 0 0
ALLTEL CORP COM 020039103 99 1600 SH SOLE 1600 0 0
ALLTEL CORP COM 020039103 37 598 SH DEFINED 0 598 0
AMERICA ONLINE INC DEL COM 02364J104 39 270 SH SOLE 270 0 0
AMERICAN ELEC PWR INC COM 025537101 186 4700 SH SOLE 4700 0 0
AMERICAN ELEC PWR INC COM 025537101 44 1130 SH DEFINED 700 430 0
AMERICAN EXPRESS CO COM 025816109 56 484 SH SOLE 484 0 0
AMERICAN EXPRESS CO COM 025816109 47 400 SH DEFINED 0 400 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
AMERICAN FINL GROUP INC OHIOCOM 025932104 0 1 SH SOLE 1 0 0
AMERICAN FINL CORP OHIO PFD SR J $2.00 026087858 24 888 SH SOLE 888 0 0
AMERICAN GENERAL CORP COM 026351106 349 4962 SH SOLE 3562 1400 0
AMERICAN HEALTH PPTYS INC COM 026494104 21 1200 SH SOLE 1200 0 0
AMERICAN HOME PRODS CORP COM 026609107 13257 203182 SH SOLE 202382 800 0
AMERICAN HOME PRODS CORP COM 026609107 508 7800 SH DEFINED 2100 5700 0
AMERICAN HOME PRODS CORP PFD CV $2 026609206 115 48 SH SOLE 48 0 0
AMERICAN INTL GROUP INC COM 026874107 36 300 SH SOLE 300 0 0
AMERICAN INTL GROUP INC COM 026874107 90 750 SH DEFINED 150 600 0
AMERICAN STORES CO NEW COM 030096101 85 2600 SH SOLE 2600 0 0
AMERITECH CORP NEW COM 030954101 192 3337 SH SOLE 3217 120 0
AMERITECH CORP NEW COM 030954101 34 596 SH DEFINED 300 296 0
AMGEN INC COM 031162100 89 1200 SH SOLE 1200 0 0
ANDOVER BANCORP INC DEL COM 034258103 44 1650 SH SOLE 1650 0 0
ANGELES CORP RESTR COMMON 034624999 1 1326 SH SOLE 1326 0 0
APPLIED MATLS INC COM 038222105 61 1000 SH SOLE 0 0 1000
ARCHER DANIELS MIDLAND CO COM 039483102 2 199 SH SOLE 199 0 0
ASSOCIATED GAS & ELECTRIC COCOMMON STOCK 043994045 0 1 SH SOLE 1 0 0
ASSOCIATED GAS & ELECTRIC COCLASS A STOCK 044994044 0 5 SH SOLE 5 0 0
ASSOCIATES FIRST CAP CORP CL A 046008108 115 2560 SH SOLE 2560 0 0
ASTORIA FINL CORP COM 046265104 171 3425 SH SOLE 3310 0 115
ATLANTIC RICHFIELD CO COM 048825103 838 11468 SH SOLE 11068 400 0
ATLANTIC RICHFIELD CO COM 048825103 239 3275 SH DEFINED 975 2300 0
AUTOMATIC DATA PROCESSING INCOM 053015103 579 14018 SH SOLE 12518 1500 0
AUTOMATIC DATA PROCESSING INCOM 053015103 153 3700 SH DEFINED 3200 500 0
AVISTA CORP COM 05379B107 3 200 SH SOLE 200 0 0
100% CAPITAL STOCK-AUTUMN VIEW, INC 054000997 0 1 SH DEFINED 0 1 0
BB&T CORP COM 054937107 96 2657 SH SOLE 2657 0 0
BB&T CORP COM 054937107 69 1932 SH DEFINED 0 1932 0
BP AMOCO P L C SPONSORED ADR 055622104 320 3172 SH SOLE 3172 0 0
BP AMOCO P L C SPONSORED ADR 055622104 93 924 SH DEFINED 528 396 0
BALTIMORE GAS & ELEC CO COM 059165100 27 1100 SH SOLE 1100 0 0
BANK BLDG & EQUIP AM 060815107 0 500 SH SOLE 0 500 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
BANK OF NEW YORK CO INC 064057102 57 1600 SH DEFINED 1600 0 0
BANK ONE CORP COM 06423A103 189 3447 SH SOLE 3447 0 0
BANK ONE CORP COM 06423A103 81 1474 SH DEFINED 330 1144 0
BANKAMERICA CORP NEW COM 06605F102 510 7222 SH SOLE 7222 0 0
BANKAMERICA CORP NEW COM 06605F102 28 400 SH DEFINED 200 200 0
BANKBOSTON CORP COM 06605R106 164 3800 SH SOLE 3800 0 0
BARCLAYS PLC ADR 06738E204 22 200 SH SOLE 200 0 0
BARRICK GOLD CORP COM 067901108 17 1000 SH SOLE 1000 0 0
BAUSCH & LOMB INC COM 071707103 13 200 SH SOLE 200 0 0
BAXTER INTERNATIONAL COM 071813109 39 600 SH SOLE 300 0 300
BAY VIEW CAP CORP DEL COM 07262L101 17 950 SH SOLE 950 0 0
BECKMAN COULTER INC COM 075811109 6 146 SH SOLE 146 0 0
BELL ATLANTIC CORP COM 077853109 3184 61616 SH SOLE 44914 6222 10480
BELL ATLANTIC CORP COM 077853109 771 14922 SH DEFINED 5906 7416 1600
BELLSOUTH CORP COM 079860102 812 20276 SH SOLE 10096 180 10000
BELLSOUTH CORP COM 079860102 35 898 SH DEFINED 450 448 0
BESTFOODS COM 08658U101 56 1200 SH SOLE 1200 0 0
BESTFOODS COM 08658U101 141 3000 SH DEFINED 0 3000 0
BETHLEHEM STL CORP COM 087509105 1 157 SH SOLE 0 157 0
BETHLEHEM STL CORP COM 087509105 9 1179 SH DEFINED 1179 0 0
BLACK & DECKER CORP 091797100 221 4000 SH SOLE 4000 0 0
BLACKROCK NORTH AMERN GOVT INC TR 092475102 10 1000 SH DEFINED 0 1000 0
BLACKROCK 2001 TERM TR 092477108 10 1200 SH DEFINED 0 1200 0
BOEING CO COM 097023105 296 8724 SH SOLE 8724 0 0
BOEING CO COM 097023105 221 6524 SH DEFINED 3024 3500 0
BRISTOL MYERS SQUIBB CO COM 110122108 2085 32524 SH SOLE 32524 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 250 3900 SH DEFINED 400 3500 0
BRITISH TELECOMMUNICATIONS PADR FINAL INST 111021408 820 5000 SH SOLE 0 0 5000
BRUNSWICK CORP COM 117043109 19 1000 SH SOLE 0 1000 0
BRYN MAWR BK CORP COM 117665109 74 2800 SH SOLE 2800 0 0
BURLINGTON NORTHN SANTA FE CCOM 12189T104 39 1200 SH SOLE 1200 0 0
BURLINGTON NORTHN SANTA FE CCOM 12189T104 3 106 SH DEFINED 106 0 0
CCB FINL CORP COM 124875105 48 888 SH SOLE 800 0 88
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
CBS CORP COM 12490K107 8 200 SH SOLE 0 0 200
CIGNA CORP COM 125509109 172 2064 SH SOLE 2064 0 0
CSX CORP COM 126408103 71 1840 SH SOLE 1840 0 0
CSX CORP COM 126408103 79 2032 SH DEFINED 1632 400 0
CAMBRIDGE TECH PARTNER COM 132524109 4 300 SH DEFINED 300 0 0
CAMPBELL SOUP CO COM 134429109 63 1550 SH SOLE 1550 0 0
CAMPBELL SOUP CO COM 134429109 117 2900 SH DEFINED 2100 800 0
CAPSTEAD MTG CORP PFD B CV $1.26 14067E308 12 1000 SH DEFINED 1000 0 0
CARNIVAL CORP COM 143658102 38 800 SH SOLE 800 0 0
CAROLINA PWR & LT CO COM 144141108 37 990 SH SOLE 990 0 0
CARPENTER TECHNOLOGY CORP 144285103 38 1500 SH SOLE 1500 0 0
CARPENTER TECHNOLOGY CORP 144285103 20 800 SH DEFINED 0 800 0
CATERPILLAR INC DEL COM 149123101 18 400 SH DEFINED 0 400 0
CENDANT CORP COM 151313103 45 2882 SH SOLE 2882 0 0
CENDANT CORP COM 151313103 11 720 SH DEFINED 720 0 0
CHARTER ONE FINL INC COM 160903100 181 6289 SH SOLE 5809 0 480
CHARTER ONE FINL INC COM 160903100 56 1944 SH DEFINED 1944 0 0
CHASE CAP IV CAP SECS SER D 16147N208 10 400 SH SOLE 400 0 0
CHASE CAP V CAP SEC E7.03% 161479209 24 1000 SH SOLE 1000 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 113 1392 SH SOLE 1392 0 0
CHATWOOD WATER COMPANY 162000996 0 20 SH SOLE 20 0 0
CHEMED CORP 163596109 25 1000 SH SOLE 1000 0 0
CHESTER VALLEY BANCORP COM 166335109 109 5988 SH SOLE 4279 0 1709
CHEVRON CORPORATION COM 166751107 39 450 SH SOLE 450 0 0
CHEVRON CORPORATION COM 166751107 97 1100 SH DEFINED 0 1100 0
CHROMAVISION MED SYS INC COM 17111P104 4 640 SH DEFINED 640 0 0
CISCO SYS INC COM 17275R102 158 1450 SH SOLE 1450 0 0
CITIGROUP INC COM 172967101 94 1475 SH SOLE 1475 0 0
CITIGROUP INC COM 172967101 77 1220 SH DEFINED 0 1220 0
CITIZENS BKG CORP MICH COM 174420109 16 450 SH SOLE 0 0 450
BLACKSTONE URANUIM MINES INC 174990044 0 500 SH SOLE 500 0 0
CLAYTON HOMES INC COM 184190106 22 2000 SH SOLE 2000 0 0
COAST FED LITIGATION CONTINGENT PMT RTS 19034Q110 30 5100 SH SOLE 5100 0 0
COAST FED LITIGATION CONTINGENT PMT RTS 19034Q110 7 1200 SH DEFINED 1200 0 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
COCA COLA CO COM 191216100 1602 26112 SH SOLE 15312 800 10000
COCA COLA CO COM 191216100 790 12880 SH DEFINED 10480 2400 0
COCA-COLA FEMSA SA DE CV SPONSORED ADR 191241108 4 300 SH SOLE 300 0 0
COLGATE-PALMOLIVE CO COM 194162103 170 1856 SH SOLE 1256 0 600
COLGATE-PALMOLIVE CO COM 194162103 234 2550 SH DEFINED 300 2250 0
CHACE CANDLECRAFT CORP CLASS A 200990042 0 50 SH SOLE 50 0 0
COMMERCIAL FEDERAL CORPORATICOM 201647104 124 5375 SH SOLE 5375 0 0
COMMONWEALTH BANCORP INC COM 20268X102 13 900 SH SOLE 900 0 0
COMPAQ COMPUTER CORP COM 204493100 161 5100 SH SOLE 4100 0 1000
COMPAQ COMPUTER CORP COM 204493100 15 500 SH DEFINED 0 500 0
CONAGRA INC COM 205887102 146 5700 SH SOLE 5700 0 0
CONAGRA INC COM 205887102 5 200 SH DEFINED 0 200 0
CONECTIV INC COM 206829103 92 4760 SH SOLE 4760 0 0
CONECTIV INC COM 206829103 18 950 SH DEFINED 0 950 0
CONECTIV INC CL A 206829202 0 25 SH SOLE 25 0 0
CONECTIV INC CL A 206829202 2 75 SH DEFINED 0 75 0
CONEXANT SYSTEMS INC COM 207142100 5 200 SH SOLE 200 0 0
CONSOLIDATED EDISON INC COM 209115104 32 720 SH SOLE 720 0 0
CONSOLIDATED NAT GAS COM 209615103 136 2800 SH SOLE 2800 0 0
CONSOLIDATED NAT GAS COM 209615103 14 300 SH DEFINED 0 300 0
CONTINENTAL ILLINOIS CORP 211485123 0 50 SH SOLE 50 0 0
CONTINENTAL IL HOLDING CORP 211487103 0 50 SH SOLE 50 0 0
CORN PRODS INTL INC COM 219023108 2 125 SH SOLE 125 0 0
CORN PRODS INTL INC COM 219023108 5 225 SH DEFINED 0 225 0
CORNING INC COM 219350105 114 1900 SH SOLE 1900 0 0
DELAWARE VALLEY FINANCIAL CORP CLASS A 222990046 0 153 SH SOLE 153 0 0
CRESCENT REAL ESTATE EQUITIECOM 225756105 8 400 SH SOLE 400 0 0
DQE INC COM 23329J104 5 150 SH SOLE 150 0 0
DTE ENERGY CO COM 233331107 19 500 SH SOLE 500 0 0
DAYTON HUDSON CORP COM 239753106 186 2800 SH SOLE 2800 0 0
DAYTON HUDSON CORP COM 239753106 139 2100 SH DEFINED 900 1200 0
DEERE & CO COM 244199105 11 300 SH SOLE 300 0 0
DELL COMPUTER CORP COM 247025109 57 1400 SH SOLE 1400 0 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
DELUXE CORP COM 248019101 26 900 SH SOLE 900 0 0
DIAMOND TECHNOLOGY PARTNERS CL A 252762109 7 320 SH DEFINED 320 0 0
DISNEY WALT COMPANY COM 254687106 576 18525 SH SOLE 8525 0 10000
DOMINION RES INC VA COM 257470104 16 450 SH SOLE 450 0 0
DOW CHEMICAL COMPANY COM 260543103 856 9189 SH SOLE 3789 0 5400
DOW CHEMICAL COMPANY COM 260543103 94 1013 SH DEFINED 588 425 0
DU PONT E I DE NEMOURS 263534109 3611 62210 SH SOLE 51140 270 10800
DU PONT E I DE NEMOURS 263534109 1130 19463 SH DEFINED 5509 13954 0
DUKE ENERGY CORP COM 264399106 72 1326 SH SOLE 400 926 0
DUKE ENERGY CORP COM 264399106 12 236 SH DEFINED 66 170 0
EASTMAN KODAK CO COM 277461109 124 1950 SH SOLE 1250 700 0
ECHELON INTL CORP COM 278747100 0 15 SH DEFINED 0 0 15
EDISON INTL 281020107 13 600 SH SOLE 600 0 0
EDO CORP COM 281347104 0 100 SH SOLE 100 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 147 3020 SH SOLE 2320 0 700
ELECTRONIC DATA SYSTEMS CORP 285661104 24 496 SH DEFINED 496 0 0
BOLMAR CORP 289990046 249 35 SH SOLE 35 0 0
EMERSON ELEC CO COM 291011104 661 12492 SH SOLE 12492 0 0
EMERSON ELEC CO COM 291011104 31 600 SH DEFINED 200 400 0
ENDESA S A SPONSORED ADR 29258N107 19 800 SH SOLE 0 0 800
ENRON CORP COM 293561106 19 300 SH SOLE 300 0 0
ENTERGY CORP NEW COM 29364G103 19 700 SH SOLE 700 0 0
SUBURBAN AGENCY CORP 293990040 0 10 SH DEFINED 0 10 0
EQUITABLE RES INC COM 294549100 3 150 SH SOLE 150 0 0
EQUITY OFFICE PROPERTIES TRUCOM 294741103 8 351 SH SOLE 351 0 0
EXCELSIOR INCOME SHS INC COM 300723103 16 1000 SH DEFINED 1000 0 0
EXXON CORP COM 302290101 2070 29338 SH SOLE 27674 1664 0
EXXON CORP COM 302290101 522 7400 SH DEFINED 2500 3900 1000
FPL GROUP INC COM 302571104 122 2300 SH SOLE 2300 0 0
FPL GROUP INC COM 302571104 63 1200 SH DEFINED 600 600 0
FEDERAL NATL MTG ASSN COM 313586109 405 5850 SH SOLE 5850 0 0
FEDERAL NATL MTG ASSN COM 313586109 38 550 SH DEFINED 350 200 0
FIRST AMER CORP TENN COM 318900107 84 2300 SH SOLE 2300 0 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
FIRST DATA CORP COM 319963104 21 500 SH SOLE 0 500 0
FIRST EXECUTIVE CORP DEL PFD F 11.5%DEP 320135601 0 300 SH DEFINED 0 300 0
FEC SHRHLDRS SER F 320135973 0 300 SH SOLE 300 0 0
FEC SHRHOLDRS SER E 320135981 0 300 SH SOLE 300 0 0
FIRST UN CORP COM 337358105 4972 93070 SH SOLE 70724 12346 10000
FIRST UN CORP COM 337358105 801 14994 SH DEFINED 4395 8007 2592
FIRSTAR CORP NEW WIS COM 33763V109 40 450 SH SOLE 450 0 0
FLEET FINL GROUP INC NEW COM 338915101 71 1900 SH SOLE 1900 0 0
FLEET FINL GROUP INC NEW COM 338915101 15 400 SH DEFINED 400 0 0
FLORIDA PROGRESS CORP COM 341109106 11 315 SH SOLE 315 0 0
FLORIDA PROGRESS CORP COM 341109106 8 225 SH DEFINED 0 0 225
FLOWERS INDS INC COM 343496105 185 7550 SH SOLE 7550 0 0
FORD MTR CO DEL COM 345370100 409 7226 SH SOLE 6726 0 500
FORTUNE BRANDS INC COM 349631101 236 6136 SH SOLE 6136 0 0
FOX ENTMT GROUP INC CL A 35138T107 135 5000 SH SOLE 0 0 5000
FULTON FINANCIAL CORP 360271100 94 4125 SH SOLE 3910 215 0
GTE CORP COM 362320103 827 13670 SH SOLE 8170 500 5000
GTE CORP COM 362320103 66 1100 SH DEFINED 300 800 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 103 4386 SH SOLE 4386 0 0
GANNETT INC COM 364730101 207 3300 SH SOLE 2500 800 0
GANNETT INC COM 364730101 9 150 SH DEFINED 150 0 0
GATEWAY 2000 INC COM 367833100 123 1800 SH SOLE 1800 0 0
GENENTECH INC COM SPL 368710307 8 100 SH SOLE 100 0 0
GENERAL ELEC CO COM 369604103 15334 138627 SH SOLE 127727 900 10000
GENERAL ELEC CO COM 369604103 1840 16640 SH DEFINED 2920 13720 0
GENERAL MILLS INC COM 370334104 194 2580 SH SOLE 2580 0 0
GENERAL MILLS INC COM 370334104 15 200 SH DEFINED 200 0 0
GENERAL MTRS CORP COM 370442105 941 10822 SH SOLE 9696 922 204
GENERAL MTRS CORP COM 370442105 231 2662 SH DEFINED 1410 1252 0
GENERAL MTRS CORP PREF G DEP1/4S 370442790 5 200 SH SOLE 200 0 0
GENERAL MTRS CORP CL H NEW 370442832 3 66 SH SOLE 66 0 0
GENERAL MTRS CORP CL H NEW 370442832 1 24 SH DEFINED 24 0 0
GENUINE PARTS CO COM 372460105 73 2550 SH SOLE 2550 0 0
GENUINE PARTS CO COM 372460105 91 3187 SH DEFINED 1462 1725 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GEORGIA PAC CORP COM GA PAC GRP 373298108 29 400 SH DEFINED 0 400 0
GEORGIA PAC CORP COM-TIMBER GRP 373298702 8 400 SH DEFINED 0 400 0
GILLETTE CO COM 375766102 344 5800 SH SOLE 5800 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 281 4200 SH SOLE 3700 0 500
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 40 600 SH DEFINED 0 0 600
GLIMCHER RLTY TR 9.25 SER B CUM REDEEMABLE PFD 379302201 6 300 SH SOLE 300 0 0
GOLDEN STATE BANCORP COM 381197102 134 6023 SH SOLE 5878 0 145
GOLDEN STATE BANCORP COM 381197102 32 1452 SH DEFINED 0 1452 0
GOLDEN STATE BANCORP LITIGATION TRKG WTS 381197136 29 6023 SH SOLE 5878 0 145
GOLDEN STATE BANCORP LITIGATION TRKG WTS 381197136 7 1452 SH DEFINED 0 1452 0
GOODRICH B F CO COM 382388106 34 1000 SH SOLE 1000 0 0
GOODYEAR TIRE & RUBBER CO 382550101 19 400 SH SOLE 400 0 0
GRANT STR NATL BANK - LIQ COMMON 388216103 0 186 SH DEFINED 186 0 0
GREEN MOUNTAIN PWR CORP COM 393154109 0 45 SH DEFINED 45 0 0
GREENPOINT FINL CORP COM 395384100 46 1350 SH SOLE 1350 0 0
HUBCO INC COM 404382103 21 648 SH SOLE 540 0 108
HALLIBURTON CO COM 406216101 23 600 SH SOLE 600 0 0
HANNAFORD BROS CO COM 410550107 27 600 SH SOLE 600 0 0
HARBOR FLA BANCSHARES INC COM 411901101 22 1802 SH SOLE 1802 0 0
HARLEYSVILLE NATL CORP PA COM 412850109 253 7080 SH SOLE 7080 0 0
HARSCO CORP COM 415864107 5 200 SH SOLE 200 0 0
HARSCO CORP COM 415864107 13 540 SH DEFINED 540 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 17 300 SH SOLE 300 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 56 1000 SH DEFINED 0 1000 0
HEINZ H J CO COM 423074103 450 9500 SH SOLE 8600 900 0
HEINZ H J CO COM 423074103 165 3495 SH DEFINED 300 3195 0
HERCULES INC COM 427056106 10 400 SH SOLE 400 0 0
HERSHEY FOODS CORP COM 427866108 99 1775 SH SOLE 1275 400 100
HEWLETT PACKARD CO COM 428236103 1584 23370 SH SOLE 17570 800 5000
HEWLETT PACKARD CO COM 428236103 111 1650 SH DEFINED 1150 500 0
HOME DEPOT INC COM 437076102 345 5550 SH SOLE 5550 0 0
HOME DEPOT INC COM 437076102 49 800 SH DEFINED 0 800 0
HONEYWELL INC COM 438506107 2 28 SH SOLE 0 0 28
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
HOUSEHOLD INTL INC COM 441815107 82 1800 SH SOLE 1800 0 0
HUBBELL INC CL B 443510201 89 2225 SH DEFINED 2225 0 0
HYPERION 1999 TERM TR INC COM 448913103 14 2000 SH DEFINED 0 2000 0
ITT INDS INC IND COM 450911102 5 150 SH SOLE 150 0 0
ITT INDS INC IND COM 450911102 17 500 SH DEFINED 0 500 0
ILLINOIS TOOL WKS INC COM 452308109 129 2100 SH SOLE 2100 0 0
INGERSOLL RAND CO COM 456866102 37 750 SH SOLE 0 750 0
INGERSOLL RAND CO COM 456866102 59 1200 SH DEFINED 0 1200 0
INTEL CORP COM 458140100 1057 8900 SH SOLE 7000 0 1900
INTEL CORP COM 458140100 142 1200 SH DEFINED 1200 0 0
INTERNATIONAL BUS MACH COM 459200101 696 3932 SH SOLE 3452 280 200
INTERNATIONAL BUS MACH COM 459200101 301 1700 SH DEFINED 400 1300 0
GLOBE AIRCRAFT CORP 459990040 0 25 SH SOLE 25 0 0
INTERSTATE ENERGY CORP WISE COM 460845100 18 684 SH SOLE 684 0 0
INTERSTATE ENERGY CORP WISE COM 460845100 12 456 SH DEFINED 0 456 0
JEFFBANKS INC 472317106 38 1865 SH SOLE 1386 479 0
JOHNSON & JOHNSON COM 478160104 2207 23610 SH SOLE 19860 750 3000
JOHNSON & JOHNSON COM 478160104 692 7410 SH DEFINED 6450 960 0
KELLOGG CO COM 487836108 180 5350 SH SOLE 5350 0 0
KELLOGG CO COM 487836108 10 320 SH DEFINED 0 320 0
KEYSTONE FINANCIAL INC COM 493482103 4 150 SH SOLE 150 0 0
KIMBERLY CLARK CORP COM 494368103 545 11375 SH SOLE 11375 0 0
KIMBERLY CLARK CORP COM 494368103 220 4594 SH DEFINED 1994 2600 0
KNIGHT RIDDER INC COM 499040103 15 300 SH DEFINED 0 300 0
KROGER CO COM 501044101 119 2000 SH SOLE 2000 0 0
LAKEHEAD PIPE LINE PARTNERS COM UNIT-CL A 511557100 31 700 SH DEFINED 700 0 0
LILLY ELI & CO COM 532457108 933 11000 SH SOLE 11000 0 0
LILLY ELI & CO COM 532457108 217 2560 SH DEFINED 1400 1160 0
THE LIMITED INC 532716107 51 1300 SH SOLE 1300 0 0
LIZ CLAIBORNE INC COM 539320101 3 100 SH SOLE 100 0 0
LOCKHEED MARTIN CORP COM 539830109 15 400 SH SOLE 400 0 0
LOCKHEED MARTIN CORP COM 539830109 47 1248 SH DEFINED 1248 0 0
LOWES COS INC COM 548661107 48 800 SH SOLE 800 0 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
LUBRIZOL CORP COM 549271104 11 500 SH DEFINED 0 500 0
LUCENT TECHNOLOGIES INC COM 549463107 1629 15085 SH SOLE 7683 218 7184
LUCENT TECHNOLOGIES INC COM 549463107 391 3627 SH DEFINED 1691 1742 194
MBIA INC COM 55262C100 11 200 SH SOLE 200 0 0
MCI WORLDCOM INC COM 55268B106 177 2000 SH SOLE 2000 0 0
MCI WORLDCOM INC COM 55268B106 26 300 SH DEFINED 0 300 0
MARSH & MCLENNAN COS INC COM 571748102 115 1560 SH SOLE 1560 0 0
MARRIOTT INTL INC NEW CL A 571903202 10 300 SH SOLE 300 0 0
MASCO CORPORATION 574599106 113 4000 SH SOLE 4000 0 0
MAY DEPT STORES CO COM 577778103 452 11562 SH SOLE 11112 0 450
MAY DEPT STORES CO COM 577778103 17 450 SH DEFINED 0 450 0
MAYTAG CORP COM 578592107 36 600 SH SOLE 600 0 0
MCCORMICK & CO INC COM NON VTG 579780206 26 900 SH SOLE 900 0 0
MCDONALDS CORP COM 580135101 566 12500 SH SOLE 12500 0 0
MCDONALDS CORP COM 580135101 59 1320 SH DEFINED 0 1320 0
MCGRAW HILL COMPANIES INC 580645109 231 4240 SH SOLE 4240 0 0
MCGRAW HILL COMPANIES INC 580645109 65 1200 SH DEFINED 600 600 0
MEDALLION FINL CORP COM 583928106 7 500 SH SOLE 500 0 0
MEDFORD BANCORP INC COM 584131106 67 4200 SH SOLE 4000 0 200
MEDIAONE GROUP INC COM 58440J104 27 436 SH SOLE 396 40 0
MEDIAONE GROUP INC COM 58440J104 12 200 SH DEFINED 200 0 0
MEDTRONIC INC COM 585055106 136 1900 SH SOLE 1900 0 0
MEDTRONIC INC COM 585055106 28 400 SH DEFINED 400 0 0
MELLON BK CORP COM 585509102 42 600 SH SOLE 600 0 0
MELLON BK CORP COM 585509102 39 558 SH DEFINED 558 0 0
MERCANTILE BANCORP INC COM 587342106 104 2200 SH SOLE 2200 0 0
MUTUAL RESOURCES INC 587990045 7 1000 SH SOLE 0 0 1000
MERCK & CO INC COM 589331107 3336 41639 SH SOLE 31639 0 10000
MERCK & CO INC COM 589331107 1203 15020 SH DEFINED 8020 7000 0
MERITOR AUTOMOTIVE INC COM 59000G100 5 346 SH SOLE 346 0 0
MERRILL LYNCH & CO 590188108 70 800 SH SOLE 800 0 0
MICROSOFT CORP COM 594918104 604 6750 SH SOLE 4750 0 2000
MICROSOFT CORP COM 594918104 80 900 SH DEFINED 0 900 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MINNESOTA MNG & MFG CO COM 604059105 593 8395 SH SOLE 3395 0 5000
MINNESOTA MNG & MFG CO COM 604059105 97 1375 SH DEFINED 875 500 0
MOBIL CORP COM 607059102 1640 18637 SH SOLE 18237 400 0
MOBIL CORP COM 607059102 610 6942 SH DEFINED 934 5408 600
MONSANTO CO COM 611662107 144 3150 SH SOLE 3150 0 0
MONTANA POWER COMPANY COM 612085100 66 900 SH SOLE 900 0 0
MORGAN J P & CO INC COM 616880100 43 350 SH SOLE 150 200 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 604 6054 SH SOLE 2054 4000 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 69 700 SH DEFINED 0 700 0
MOTOROLA INC COM 620076109 655 8950 SH SOLE 8950 0 0
MOTOROLA INC COM 620076109 65 900 SH DEFINED 500 400 0
NCR CORP NEW COM 62886E108 2 53 SH SOLE 47 6 0
NCR CORP NEW COM 62886E108 0 18 SH DEFINED 0 0 18
NIPSCO INDS INC COM 629140104 60 2250 SH SOLE 2250 0 0
NIPSCO INDS INC COM 629140104 18 700 SH DEFINED 0 700 0
NPB CAP TR TR PFD SECS 629359209 33 1300 SH SOLE 1300 0 0
NAMIC BANCORP CL B COMMON 62987#103 0 700 SH SOLE 0 0 700
NAMIC INSUR CO CL B 634990048 57 440 SH SOLE 0 0 440
NATIONWIDE HEALTH PPTYS INC COM 638620104 38 2000 SH SOLE 2000 0 0
NEW CENTURY ENERGIES INC COM 64352U103 20 595 SH SOLE 595 0 0
NEW CENTURY ENERGIES INC COM 64352U103 6 180 SH DEFINED 180 0 0
NEW ENGLAND ELEC SYS COM 644001109 9 200 SH SOLE 200 0 0
NEW ENGLAND ELEC SYS COM 644001109 3 70 SH DEFINED 70 0 0
NEW JERSEY RES COM 646025106 55 1550 SH SOLE 1550 0 0
NOKIA CORP SPONSORED ADR 654902204 132 850 SH SOLE 850 0 0
NORFOLK SOUTHERN CORP COM 655844108 205 7800 SH SOLE 7800 0 0
NORFOLK SOUTHERN CORP COM 655844108 45 1710 SH DEFINED 1110 600 0
NORTH FORK BANCORPORATION NYCOM 659424105 105 4975 SH SOLE 4975 0 0
NURSECARE HEALTH CTR 670576305 0 20 SH SOLE 20 0 0
OGDEN CORP COM 676346109 48 2000 SH SOLE 2000 0 0
OHIO CAS CORP COM 677240103 97 2500 SH SOLE 2500 0 0
ORACLE CORP COM 68389X105 27 1050 SH SOLE 1050 0 0
PECO ENERGY CO COM 693304107 225 4866 SH SOLE 4266 600 0
PECO ENERGY CO COM 693304107 85 1848 SH DEFINED 1000 848 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PECO ENERGY CO PFD 4.30 693304305 66 830 SH SOLE 830 0 0
PECO ENERGY CO PFD 4.40 693304404 11 150 SH SOLE 150 0 0
PG&E CORP COM 69331C108 22 724 SH SOLE 724 0 0
PNC BANK CORP 693475105 616 11092 SH SOLE 8132 2780 180
PNC BANK CORP 693475105 122 2200 SH DEFINED 700 1500 0
P P & L RESOURCES INC 693499105 490 19818 SH SOLE 19182 436 200
P P & L RESOURCES INC 693499105 143 5816 SH DEFINED 2012 3204 600
PPG INDS INC COM 693506107 205 4016 SH SOLE 2816 1200 0
PPG INDS INC COM 693506107 203 3964 SH DEFINED 360 3604 0
PAYLESS SHOESOURCE INC COM 704379106 15 336 SH SOLE 336 0 0
PENGO INDUSTRIES 708990056 0 50 SH SOLE 50 0 0
PENNZENERGY CO COM 70931Q109 3 324 SH SOLE 324 0 0
PENNZOIL-QUAKER STATE COMPANCOM 709323109 4 324 SH SOLE 324 0 0
PEOPLES BANCSHARES INC MASS COM 709795108 7 400 SH SOLE 400 0 0
PEOPLES BK BRIDGEPORT CONN COM 710198102 9 336 SH SOLE 336 0 0
PEP BOYS MANNY MOE & JACK COM 713278109 25 1700 SH SOLE 1700 0 0
PEPSICO INC COM 713448108 1341 34250 SH SOLE 20150 3800 10300
PEPSICO INC COM 713448108 144 3700 SH DEFINED 1600 2100 0
PFIZER INC COM 717081103 707 5100 SH SOLE 5100 0 0
PFIZER INC COM 717081103 493 3560 SH DEFINED 2000 1560 0
PHELPS DODGE CORP COM 717265102 7 150 SH SOLE 150 0 0
PHILADELPHIA SUBN CORP COM PAR $0.50 718009608 94 4174 SH SOLE 3108 1066 0
PHILIP MORRIS COS COM 718154107 623 17725 SH SOLE 13825 2700 1200
PHILIP MORRIS COS COM 718154107 130 3700 SH DEFINED 0 3700 0
PHILLIPS PETE CO COM 718507106 109 2322 SH SOLE 2322 0 0
PHILADELPHIA TRANSP COMPANY 718990054 0 152 SH SOLE 152 0 0
PITNEY-BOWES INC COM 724479100 76 1200 SH SOLE 1200 0 0
PITNEY-BOWES INC COM 724479100 102 1600 SH DEFINED 400 1200 0
POTOMAC ELEC PWR CO COM 737679100 18 800 SH SOLE 800 0 0
PREMIER NATL BANCORP INC COM 74053F107 7 500 SH SOLE 500 0 0
PROCTER & GAMBLE CO COM 742718109 746 7620 SH SOLE 7120 500 0
PROCTER & GAMBLE CO COM 742718109 215 2200 SH DEFINED 1000 1200 0
PRUDENTIAL GLOBAL LTD MAT FDLTD MAT PORT A 74433F108 15 2092 SH DEFINED 0 2092 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PUBLIC SVC ENTERPRISE GROUP COM 744573106 231 6064 SH SOLE 6064 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 61 1600 SH DEFINED 900 700 0
RARE MEDIUM GROUP INC COM 75382N109 7 1600 SH SOLE 0 0 1600
RAYTHEON CO CL A 755111309 6 111 SH SOLE 111 0 0
RELIANCE BANCORP INC COM 759451107 37 1300 SH SOLE 1000 0 300
REPSOL SPONS ADR 76026T205 256 5000 SH SOLE 0 0 5000
REXALL SUNDOWN INC COM 761648104 11 600 SH SOLE 600 0 0
100% CAPITAL STOCK-RICHLAND DEVELOPMENT CORP 765001995 0 1 SH DEFINED 0 1 0
ROCKWELL INTL CORP NEW COM 773903109 78 1861 SH SOLE 1861 0 0
ROHM & HAAS CO COM 775371107 35 1050 SH SOLE 1050 0 0
ROHM & HAAS CO COM 775371107 50 1500 SH DEFINED 600 900 0
REMICO INC 777990052 0 28 SH SOLE 28 0 0
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 150 2900 SH SOLE 1700 0 1200
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 20 400 SH DEFINED 400 0 0
SBC COMMUNICATIONS COM 78387G103 937 19881 SH SOLE 9703 178 10000
SBC COMMUNICATIONS COM 78387G103 153 3256 SH DEFINED 700 2556 0
ST PAUL BANCORP INC COM 792848103 111 5162 SH SOLE 5162 0 0
SANCHEZ COMPUTER ASSOCS INC COM 799702105 7 340 SH DEFINED 340 0 0
SARA LEE CORP COM 803111103 985 39810 SH SOLE 39010 0 800
SARA LEE CORP COM 803111103 126 5100 SH DEFINED 1900 3200 0
SCHERING PLOUGH CORP COM 806605101 2864 51840 SH SOLE 50240 0 1600
SCHERING PLOUGH CORP COM 806605101 624 11300 SH DEFINED 0 11300 0
SCHLUMBERGER LTD COM 806857108 959 15950 SH SOLE 15950 0 0
SCHLUMBERGER LTD COM 806857108 162 2700 SH DEFINED 1000 1700 0
SCHWEITZER-MAUDUIT INC COM 808541106 1 100 SH DEFINED 0 100 0
SEAGRAM LTD COM 811850106 250 5000 SH SOLE 0 0 5000
SEARS ROEBUCK & CO COM 812387108 431 9556 SH SOLE 3808 5500 248
SEARS ROEBUCK & CO COM 812387108 53 1192 SH DEFINED 572 620 0
SHERWIN WILLIAMS CO COM 824348106 8 300 SH SOLE 300 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 829 11600 SH SOLE 11600 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 57 800 SH DEFINED 0 0 800
SONOCO PRODS CO COM 835495102 108 4734 SH SOLE 4734 0 0
SOUTHERN CO COM 842587107 69 3000 SH SOLE 3000 0 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SOUTHERN CO CAP TR IV TOPRS 7.125% 842636201 9 400 SH SOLE 400 0 0
SOUTHWEST AIRLS CO COM 844741108 20 675 SH SOLE 675 0 0
SOVEREIGN BANCORP INC COM 845905108 125 10250 SH SOLE 10250 0 0
SPRINT CORP FON GROUP COM FON GROUP 852061100 75 774 SH SOLE 774 0 0
SPRINT CORP FON GROUP COM FON GROUP 852061100 39 400 SH DEFINED 0 400 0
SPRINT CORP FON GROUP PCS COM SER 1 852061506 21 487 SH SOLE 487 0 0
SPRINT CORP FON GROUP PCS COM SER 1 852061506 8 200 SH DEFINED 0 200 0
STAPLES INC COM 855030102 34 1035 SH DEFINED 1035 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE PAIRED CTF85590A203 22 771 SH DEFINED 0 771 0
STEIN MART INC COM 858375108 3 300 SH SOLE 300 0 0
SUMMIT BANCORP 866005101 321 8233 SH SOLE 8098 0 135
SUN MICROSYSTEMS INC COM 866810104 75 600 SH SOLE 600 0 0
SUNBEAM CORP COM 867071102 16 3000 SH SOLE 0 0 3000
SUNOCO INC COM 86764P109 36 1025 SH SOLE 647 378 0
SUNTRUST BKS INC COM 867914103 131 2112 SH SOLE 2112 0 0
SUNTRUST BKS INC COM 867914103 343 5512 SH DEFINED 5512 0 0
SUNSOURCE INC COM 867948101 3 250 SH DEFINED 0 250 0
SUNSOURCE CAP TR PFD TR 11.6% 867949208 10 380 SH DEFINED 0 380 0
SUSQUEHANNA BANCSHARES INC PCOM 869099101 65 3584 SH SOLE 3022 562 0
TMT TRAILER FERRY 872000997 0 40 SH SOLE 40 0 0
TECO ENERGY INC COM 872375100 15 800 SH SOLE 800 0 0
TELEFONICA S A SPONSORED ADR 879382208 521 4080 SH SOLE 0 0 4080
TELEFONOS DE MEXICO SA SPONSORED ADR 879403780 6 100 SH SOLE 100 0 0
TELLABS INC COM 879664100 136 1400 SH SOLE 1400 0 0
TELLABS INC COM 879664100 18 191 SH DEFINED 191 0 0
TEMPLETON EMERG MKTS INCOME COM 880192109 9 1000 SH DEFINED 1000 0 0
TEMPLETON GLOBAL INCOME FD ICOM 880198106 20 3000 SH DEFINED 3000 0 0
TENNECO INC NEW COM 88037E101 53 1900 SH SOLE 1500 0 400
TENNECO INC NEW COM 88037E101 11 400 SH DEFINED 400 0 0
TEXACO INC COM 881694103 104 1836 SH SOLE 1600 236 0
3COM CORP COM 885535104 23 1000 SH SOLE 0 0 1000
TIME WARNER INC COM 887315109 708 10000 SH SOLE 0 0 10000
TRANSAMERICA CORP COM 893485102 4 68 SH SOLE 68 0 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TRI CONTL CORP COM 895436103 7 251 SH DEFINED 0 251 0
TRICON GLOBAL RESTAURANTS COM 895953107 787 11210 SH SOLE 5090 420 5700
TRICON GLOBAL RESTAURANTS COM 895953107 56 800 SH DEFINED 800 0 0
UGI CORP NEW COM 902681105 8 492 SH SOLE 492 0 0
UST CORP COM 902900109 65 3000 SH SOLE 3000 0 0
USX-MARATHON GROUP COM NEW 902905827 2 75 SH SOLE 75 0 0
U S T INC COM 902911106 26 1000 SH SOLE 1000 0 0
USX-U S STL COM 90337T101 0 15 SH SOLE 15 0 0
UNILEVER PLC AMERN SHS 904767605 148 4000 SH SOLE 0 0 4000
UNION PAC CORP COM 907818108 89 1680 SH SOLE 1680 0 0
UNION PAC CORP COM 907818108 29 559 SH DEFINED 259 300 0
UNION PAC RES GROUP INC COM 907834105 4 338 SH SOLE 338 0 0
UNISYS CORP COM 909214108 27 1000 SH SOLE 1000 0 0
U S BIOSCIENCE INC COM PAR $0.01 911646206 0 8 SH DEFINED 8 0 0
U S WEST INC NEW COM 91273H101 102 1860 SH SOLE 1819 41 0
U S WEST INC NEW COM 91273H101 11 205 SH DEFINED 205 0 0
UNIVERSAL HEALTH RLTY INCM TSH BEN INT 91359E105 19 1000 SH SOLE 1000 0 0
UNOCAL CORP COM 915289102 25 700 SH DEFINED 700 0 0
USBANCORP INC PA COM 917292104 131 9000 SH SOLE 7200 0 1800
UTILICORP UNITED INC 918005109 10 450 SH DEFINED 450 0 0
VIAD CORP COM 92552R109 2 101 SH SOLE 101 0 0
100% CAPITAL STOCK-J RICHARD VISHNESKI, INC 926000993 0 1 SH DEFINED 0 1 0
VISHAY INTERTECHNOLOGY INC COM 928298108 15 1102 SH DEFINED 1102 0 0
VORNADO OPERATING CO COM 92904N103 0 15 SH SOLE 15 0 0
VORNADO RLTY TR SH BEN INT 929042109 10 300 SH SOLE 300 0 0
WSFS FINL CORP COM 929328102 124 8500 SH SOLE 8500 0 0
WACHOVIA CORP COM 929771103 92 1142 SH DEFINED 1142 0 0
WAL MART STORES INC COM 931142103 129 1400 SH SOLE 1400 0 0
WAL MART STORES INC COM 931142103 64 700 SH DEFINED 0 700 0
WALGREEN CO COM 931422109 28 1000 SH SOLE 1000 0 0
WARNER LAMBERT CO COM 934488107 33 500 SH SOLE 500 0 0
WARNER LAMBERT CO COM 934488107 135 2050 SH DEFINED 0 2050 0
WASHINGTON FED INC COM 938824109 7 363 SH SOLE 363 0 0
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
WASHINGTON MUT INC COM 939322103 171 4202 SH SOLE 4202 0 0
WASHINGTON MUT INC COM 939322103 66 1627 SH DEFINED 1627 0 0
WASTE MANAGEMENT INC NEW 94106L109 12 290 SH SOLE 290 0 0
WELLS FARGO & CO NEW COM 949746101 80 2300 SH SOLE 2300 0 0
WELLS FARGO & CO NEW COM 949746101 97 2780 SH DEFINED 1050 1730 0
W C HOMES INC 950990044 0 245 SH SOLE 245 0 0
WESTERN RES INC COM 959425109 32 1200 SH DEFINED 1200 0 0
WEYERHAEUSER CO COM 962166104 21 384 SH DEFINED 384 0 0
WHIRLPOOL CORP COM 963320106 5 100 SH SOLE 100 0 0
WILMINGTON TRUST CORP COM 971807102 48 850 SH SOLE 850 0 0
WISCONSIN ENERGY CORP COM 976657106 13 500 SH SOLE 500 0 0
WITCO CORP COM 977385103 2 200 SH SOLE 200 0 0
WOLVERINE WORLD WIDE INC 978097103 4 505 SH SOLE 505 0 0
100% CAPITAL STOCK-WOODS OF BRADFORD, INC 979004991 0 1 SH DEFINED 0 1 0
WORTHINGTON INDS INC COM 981811102 35 3060 SH DEFINED 3060 0 0
XEROX CORP COM 984121103 15 300 SH SOLE 300 0 0
XEROX CORP COM 984121103 72 1400 SH DEFINED 800 600 0
YAHOO INC COM 984332106 21 130 SH SOLE 130 0 0
YORK INTL CORP NEW COM 986670107 10 300 SH SOLE 0 0 300
ZWEIG FD COM 989834106 10 1000 SH DEFINED 0 1000 0
</TABLE>
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