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Previous: DIGITAL RIVER INC /DE, 10-Q, 1999-08-11 |
Next: HDF INC, 10QSB, 1999-08-11 |
UNITED STATES SECURITIES
AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR CALENDAR YEAR END OR QUARTER ENDED: JUNE 30, 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, STATMENTS,
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 AUGUST 10, 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 480 5400 SH SOLE 400 0 5000
AMF INC RIGHTS 001005990 0 200 SH SOLE 200 0 0
AGL RES INC COM 001204106 38 2100 SH SOLE 2100 0 0
AT&T CORP COM 001957109 1438 25779 SH SOLE 23942 1387 450
AT&T CORP COM 001957109 418 7505 SH DEFINED 3415 3490 600
ABBOTT LABS COM 002824100 1366 30130 SH SOLE 29530 600 0
ABBOTT LABS COM 002824100 40 900 SH DEFINED 0 900 0
ADAMS EXPRESS CO COM 006212104 77 2669 SH SOLE 2669 0 0
AIR PRODS & CHEMS INC COM 009158106 120 3000 SH SOLE 3000 0 0
AIR PRODS & CHEMS INC COM 009158106 16 400 SH DEFINED 0 400 0
AIRTOUCH COMMUNICATNS COM 00949T100 37 346 SH SOLE 306 40 0
AIRTOUCH COMMUNICATNS COM 00949T100 21 200 SH DEFINED 200 0 0
ALBERTSONS INC COM 013104104 172 3338 SH SOLE 3338 0 0
ALBERTSONS INC COM 013104104 103 2000 SH DEFINED 1200 800 0
ALCOA INC COM 013817101 24 400 SH SOLE 400 0 0
ALLEGHENY ENERGY INC COM 017361106 32 1000 SH SOLE 1000 0 0
ALLERGAN INC COM 018490102 44 400 SH SOLE 400 0 0
ALLIANT CORP COM 018802108 19 684 SH SOLE 684 0 0
ALLIANT CORP COM 018802108 12 456 SH DEFINED 0 456 0
ALLIED CAP CORP NEW COM 01903Q108 16 700 SH SOLE 700 0 0
ALLIEDSIGNAL INC COM 019512102 37 600 SH SOLE 600 0 0
ALLSTATE CORP COM 020002101 679 18942 SH SOLE 6742 12200 0
ALLSTATE CORP COM 020002101 55 1534 SH DEFINED 388 1146 0
ALLSTATE CORP QUIBS SR 2097 020002200 14 600 SH DEFINED 600 0 0
ALLTEL CORP COM 020039103 114 1600 SH SOLE 1600 0 0
ALLTEL CORP COM 020039103 42 598 SH DEFINED 0 598 0
AMERICA ONLINE INC DEL COM 02364J104 57 520 SH SOLE 320 0 200
AMERICAN ELEC PWR INC COM 025537101 176 4700 SH SOLE 4700 0 0
AMERICAN ELEC PWR INC COM 025537101 34 930 SH DEFINED 500 430 0
AMERICAN EXPRESS CO COM 025816109 62 484 SH SOLE 484 0 0
AMERICAN EXPRESS CO COM 025816109 52 400 SH DEFINED 0 400 0
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 351 4662 SH SOLE 3262 1400 0
AMERICAN HOME PRODS CORP COM 026609107 10597 184722 SH SOLE 183922 800 0
AMERICAN HOME PRODS CORP COM 026609107 424 7400 SH DEFINED 2100 5300 0
AMERICAN HOME PRODS CORP PFD CV $2 026609206 93 48 SH SOLE 48 0 0
AMERICAN INTL GROUP INC COM 026874107 35 300 SH SOLE 300 0 0
AMERICAN INTL GROUP INC COM 026874107 87 750 SH DEFINED 150 600 0
AMERITECH CORP NEW COM 030954101 245 3337 SH SOLE 3217 120 0
AMERITECH CORP NEW COM 030954101 65 896 SH DEFINED 600 296 0
AMGEN INC COM 031162100 66 1100 SH SOLE 1100 0 0
ANGELES CORP RESTR COMMON 034624999 1 1326 SH SOLE 1326 0 0
APPLIED MATLS INC COM 038222105 73 1000 SH SOLE 0 0 1000
ARCHER DANIELS MIDLAND CO COM 039483102 3 199 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
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ASSOCIATES FIRST CAP CORP CL A 046008108 75 1714 SH SOLE 1714 0 0
ASSOCIATES FIRST CAP CORP CL A 046008108 12 291 SH DEFINED 0 291 0
ASTORIA FINL CORP COM 046265104 86 1975 SH SOLE 1860 0 115
ATLANTIC RICHFIELD CO COM 048825103 876 10488 SH SOLE 10088 400 0
ATLANTIC RICHFIELD CO COM 048825103 302 3625 SH DEFINED 1125 2300 200
AUTOLIV INC COM 052800109 100 3314 SH DEFINED 0 3314 0
AUTOMATIC DATA PROCESSING INCOM 053015103 714 16243 SH SOLE 14743 1500 0
AUTOMATIC DATA PROCESSING INCOM 053015103 210 4775 SH DEFINED 3475 1300 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
B B & T CORP COM 054937107 97 2657 SH SOLE 2657 0 0
B B & T CORP COM 054937107 70 1932 SH DEFINED 0 1932 0
BP AMOCO P L C SPONSORED ADR 055622104 329 3041 SH SOLE 3041 0 0
BP AMOCO P L C SPONSORED ADR 055622104 100 924 SH DEFINED 528 396 0
BANK OF AMERICA CORP COM 060505104 407 5560 SH SOLE 5560 0 0
BANK OF AMERICA CORP COM 060505104 29 400 SH DEFINED 200 200 0
BANK BLDG & EQUIP AM 060815107 0 500 SH SOLE 0 500 0
BANK OF NEW YORK CO INC 064057102 7 200 SH SOLE 200 0 0
BANK OF NEW YORK CO INC 064057102 58 1600 SH DEFINED 1600 0 0
BANK ONE CORP COM 06423A103 348 5847 SH SOLE 5547 0 300
BANK ONE CORP COM 06423A103 135 2274 SH DEFINED 530 1744 0
BANKBOSTON CORP COM 06605R106 92 1800 SH SOLE 1800 0 0
BARCLAYS PLC ADR 06738E204 23 200 SH SOLE 200 0 0
BARRICK GOLD CORP COM 067901108 19 1000 SH SOLE 1000 0 0
BAUSCH & LOMB INC COM 071707103 15 200 SH SOLE 200 0 0
BAXTER INTERNATIONAL COM 071813109 30 500 SH SOLE 200 0 300
BAXTER INTERNATIONAL COM 071813109 12 200 SH DEFINED 200 0 0
BAY VIEW CAP CORP DEL COM 07262L101 19 950 SH SOLE 950 0 0
BECKMAN COULTER INC COM 075811109 7 146 SH SOLE 146 0 0
BELL ATLANTIC CORP COM 077853109 3716 56854 SH SOLE 41514 4860 10480
BELL ATLANTIC CORP COM 077853109 1025 15684 SH DEFINED 7468 6616 1600
BELLSOUTH CORP COM 079860102 929 20151 SH SOLE 9971 180 10000
BELLSOUTH CORP COM 079860102 102 2223 SH DEFINED 1175 448 600
BESTFOODS COM 08658U101 54 1100 SH SOLE 1100 0 0
BESTFOODS COM 08658U101 148 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
BIOGEN INC COM 090597105 12 200 SH SOLE 200 0 0
BLACK & DECKER CORP 091797100 126 2000 SH SOLE 2000 0 0
BLACK HILLS CORP COM 092113109 20 900 SH DEFINED 0 900 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 313 7124 SH SOLE 7124 0 0
BOEING CO COM 097023105 287 6524 SH DEFINED 3024 3500 0
BRISTOL MYERS SQUIBB CO COM 110122108 1882 26724 SH SOLE 26724 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 260 3700 SH DEFINED 400 3300 0
BRITISH TELECOMMUNICATIONS PADR FINAL INST 111021408 856 5000 SH SOLE 0 0 5000
BRUNSWICK CORP COM 117043109 27 1000 SH SOLE 0 1000 0
BRYN MAWR BK CORP COM 117665109 71 2800 SH DEFINED 2800 0 0
BURLINGTON NORTHN SANTA FE CCOM 12189T104 37 1200 SH SOLE 1200 0 0
CCB FINL CORP COM 124875105 46 888 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 165 1864 SH SOLE 1864 0 0
CSX CORP COM 126408103 83 1840 SH SOLE 1840 0 0
CSX CORP COM 126408103 68 1500 SH DEFINED 1100 400 0
CAMBRIDGE TECH PARTNER COM 132524109 5 300 SH DEFINED 300 0 0
CAMPBELL SOUP CO COM 134429109 71 1550 SH SOLE 1550 0 0
CAMPBELL SOUP CO COM 134429109 134 2900 SH DEFINED 2100 800 0
CAPITAL ONE FINANCIAL COM 14040H105 8 150 SH SOLE 150 0 0
CAPSTEAD MTG CORP PFD B CV $1.26 14067E308 11 1000 SH DEFINED 1000 0 0
CARNIVAL CORP COM 143658102 38 800 SH SOLE 800 0 0
CAROLINA PWR & LT CO COM 144141108 42 990 SH SOLE 990 0 0
CARPENTER TECHNOLOGY CORP 144285103 42 1500 SH SOLE 1500 0 0
CARPENTER TECHNOLOGY CORP 144285103 22 800 SH DEFINED 0 800 0
CATERPILLAR INC DEL COM 149123101 24 400 SH DEFINED 0 400 0
CENDANT CORP COM 151313103 34 1681 SH SOLE 1681 0 0
CENDANT CORP COM 151313103 14 720 SH DEFINED 720 0 0
CHARTER ONE FINL INC COM 160903100 104 3769 SH SOLE 3289 0 480
CHARTER ONE FINL INC COM 160903100 54 1944 SH DEFINED 1944 0 0
CHASE CAP IV CAP SECS SER D 16147N208 9 400 SH SOLE 400 0 0
CHASE CAP V CAP SEC E7.03% 161479209 24 1000 SH DEFINED 1000 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 86 1002 SH SOLE 1002 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 25 290 SH DEFINED 0 0 290
CHATWOOD WATER COMPANY 162000996 0 20 SH SOLE 20 0 0
CHEMED CORP 163596109 33 1000 SH SOLE 1000 0 0
CHESTER VALLEY BANCORP COM 166335109 102 5989 SH SOLE 4280 0 1709
CHEVRON CORPORATION COM 166751107 42 450 SH SOLE 450 0 0
CHEVRON CORPORATION COM 166751107 104 1100 SH DEFINED 0 1100 0
CHROMAVISION MED SYS INC COM 17111P104 6 640 SH DEFINED 640 0 0
CISCO SYS INC COM 17275R102 262 4080 SH SOLE 4080 0 0
CITIGROUP INC COM 172967101 126 2662 SH SOLE 2662 0 0
CITIGROUP INC COM 172967101 82 1731 SH DEFINED 0 1731 0
CITIZENS BKG CORP MICH COM 174420109 13 450 SH SOLE 0 0 450
BLACKSTONE URANUIM MINES INC 174990044 0 500 SH SOLE 500 0 0
COAST FED LITIGATION CONTINGENT PMT RTS 19034Q110 3 3100 SH SOLE 3100 0 0
COAST FED LITIGATION CONTINGENT PMT RTS 19034Q110 1 1200 SH DEFINED 1200 0 0
COCA COLA CO COM 191216100 1338 21587 SH SOLE 10787 800 10000
COCA COLA CO COM 191216100 518 8355 SH DEFINED 5155 2400 800
COCA-COLA FEMSA SA DE CV SPONSORED ADR 191241108 5 300 SH SOLE 300 0 0
COLGATE PALMOLIVE CO COM 194162103 163 1656 SH SOLE 1256 0 400
COLGATE PALMOLIVE CO COM 194162103 236 2400 SH DEFINED 300 2100 0
CHACE CANDLECRAFT CORP CLASS A 200990042 0 50 SH SOLE 50 0 0
COMMERCIAL FEDERAL CORPORATICOM 201647104 46 2000 SH SOLE 2000 0 0
COMMONWEALTH BANCORP INC COM 20268X102 8 500 SH SOLE 500 0 0
COMPAQ COMPUTER CORP COM 204493100 99 4200 SH SOLE 4200 0 0
COMPAQ COMPUTER CORP COM 204493100 11 500 SH DEFINED 0 500 0
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 11 150 SH SOLE 150 0 0
CONAGRA INC COM 205887102 151 5700 SH SOLE 5700 0 0
CONAGRA INC COM 205887102 5 200 SH DEFINED 0 200 0
CONECTIV INC COM 206829103 121 4985 SH SOLE 4985 0 0
CONECTIV INC COM 206829103 23 950 SH DEFINED 0 950 0
CONECTIV INC CL A 206829202 2 62 SH SOLE 62 0 0
CONECTIV INC CL A 206829202 3 75 SH DEFINED 0 75 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
CONSOLIDATED EDISON INC COM 209115104 32 720 SH SOLE 720 0 0
CONSOLIDATED NAT GAS CO COM 209615103 170 2800 SH SOLE 2800 0 0
CONSOLIDATED NAT GAS CO COM 209615103 18 300 SH DEFINED 0 300 0
CONSTELLATION ENERGY CORP COM 210371100 32 1100 SH SOLE 1100 0 0
CONTINENTAL ILLINOIS CORP 211485123 0 50 SH SOLE 50 0 0
CONTINENTAL IL HOLDING CORP 211487103 0 50 SH SOLE 50 0 0
CORDANT TECHNOLOGIES COM 218412104 117 2592 SH DEFINED 0 2592 0
CORN PRODS INTL INC COM 219023108 3 125 SH SOLE 125 0 0
CORN PRODS INTL INC COM 219023108 6 225 SH DEFINED 0 225 0
CORNING INC COM 219350105 133 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 9 400 SH SOLE 400 0 0
DQE INC COM 23329J104 6 150 SH SOLE 150 0 0
DTE ENERGY CO COM 233331107 20 500 SH SOLE 500 0 0
DAYTON HUDSON CORP COM 239753106 182 2800 SH SOLE 2800 0 0
DAYTON HUDSON CORP COM 239753106 136 2100 SH DEFINED 900 1200 0
DEERE & CO COM 244199105 11 300 SH SOLE 300 0 0
DELL COMPUTER CORP COM 247025109 51 1400 SH SOLE 1400 0 0
DELPHI AUTOMOTIVE SYS COM 247126105 130 7037 SH SOLE 6255 644 138
DELPHI AUTOMOTIVE SYS COM 247126105 46 2499 SH DEFINED 1070 870 559
DELUXE CORP COM 248019101 34 900 SH DEFINED 900 0 0
DENDRITE INTL INC COM 248239105 9 250 SH SOLE 250 0 0
DIAMOND TECHNOLOGY PARTNERS CL A 252762109 7 320 SH DEFINED 320 0 0
DISNEY WALT COMPANY COM 254687106 497 16135 SH SOLE 6135 0 10000
DOMINION RES INC VA COM 257470104 44 1027 SH DEFINED 0 577 450
DOW CHEMICAL COMPANY COM 260543103 1014 7996 SH SOLE 2596 0 5400
DOW CHEMICAL COMPANY COM 260543103 141 1113 SH DEFINED 688 425 0
DU PONT E I DE NEMOURS 263534109 4005 58635 SH SOLE 47565 270 10800
DU PONT E I DE NEMOURS 263534109 1341 19638 SH DEFINED 5684 13954 0
DUKE ENERGY CORP COM 264399106 55 1025 SH SOLE 1025 0 0
DUKE ENERGY CORP COM 264399106 62 1151 SH DEFINED 1151 0 0
E M C CORP MASS COM 268648102 110 2000 SH SOLE 0 0 2000
EASTMAN KODAK CO COM 277461109 91 1350 SH SOLE 650 700 0
ECHELON INTL CORP COM 278747100 0 15 SH DEFINED 0 0 15
EDISON INTL 281020107 16 600 SH SOLE 600 0 0
EDO CORP COM 281347104 0 100 SH SOLE 100 0 0
EL PASO ENERGY CORP DEL COM 283905107 10 312 SH DEFINED 0 312 0
ELECTRONIC DATA SYSTEMS CORP 285661104 108 1920 SH SOLE 1220 0 700
BOLMAR CORP 289990046 249 35 SH SOLE 35 0 0
EMERSON ELEC CO COM 291011104 666 10592 SH SOLE 10592 0 0
EMERSON ELEC CO COM 291011104 37 600 SH DEFINED 200 400 0
ENDESA S A SPONSORED ADR 29258N107 17 800 SH SOLE 0 0 800
ENERGY EAST CORP COM 29266M109 20 800 SH DEFINED 0 800 0
ENRON CORP COM 293561106 24 300 SH SOLE 300 0 0
ENTERGY CORP NEW COM 29364G103 39 1250 SH SOLE 1250 0 0
SUBURBAN AGENCY CORP 293990040 0 10 SH DEFINED 0 10 0
EQUITABLE RES INC COM 294549100 5 150 SH SOLE 150 0 0
EQUITY OFFICE PROPERTIES TRUCOM 294741103 8 351 SH SOLE 351 0 0
EXCELSIOR INCOME SHS INC COM 300723103 15 1000 SH DEFINED 1000 0 0
EXXON CORP COM 302290101 1850 23994 SH SOLE 22330 1664 0
EXXON CORP COM 302290101 553 7180 SH DEFINED 2500 3600 1080
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
FPL GROUP INC COM 302571104 125 2300 SH SOLE 2300 0 0
FPL GROUP INC COM 302571104 65 1200 SH DEFINED 600 600 0
FEDERAL NATL MTG ASSN COM 313586109 433 6350 SH SOLE 6100 0 250
FEDERAL NATL MTG ASSN COM 313586109 76 1125 SH DEFINED 525 600 0
FIRST AMER CORP TENN COM 318900107 54 1300 SH SOLE 1300 0 0
FIRST DATA CORP COM 319963104 24 500 SH SOLE 0 500 0
FIRST EXECUTIVE CORP DEL PFD F 11.5%DEP 320135601 0 300 SH DEFINED 0 300 0
FIRST SEC CORP DEL COM 336294103 9 350 SH SOLE 350 0 0
FIRST UN CORP COM 337358105 1898 40289 SH SOLE 35982 4307 0
FIRST UN CORP COM 337358105 2628 55775 SH DEFINED 44098 8007 3670
FIRSTAR CORP NEW WIS COM 33763V109 37 1350 SH SOLE 1350 0 0
FLEET FINL GROUP INC NEW COM 338915101 84 1900 SH SOLE 1900 0 0
FLEET FINL GROUP INC NEW COM 338915101 17 400 SH DEFINED 400 0 0
FLORIDA PROGRESS CORP COM 341109106 13 315 SH SOLE 315 0 0
FLORIDA PROGRESS CORP COM 341109106 9 225 SH DEFINED 0 0 225
FLOWERS INDS INC COM 343496105 163 7550 SH SOLE 7550 0 0
FORD MTR CO CAP TR I TOPRS 9% 345343206 13 500 SH SOLE 500 0 0
FORD MOTOR CO DEL COM 345370100 325 5768 SH SOLE 5268 0 500
FORD MOTOR CO DEL COM 345370100 113 2014 SH DEFINED 1458 556 0
FORD MOTOR CO DEL PFD B 1/2000SH 345370407 14 500 SH SOLE 500 0 0
FORTUNE BRANDS INC COM 349631101 181 4386 SH SOLE 4386 0 0
FORTUNE BRANDS INC COM 349631101 138 3350 SH DEFINED 1750 1600 0
FOX ENTMT GROUP INC CL A 35138T107 134 5000 SH SOLE 0 0 5000
FULTON FINANCIAL CORP 360271100 22 1065 SH SOLE 829 236 0
FULTON FINANCIAL CORP 360271100 71 3470 SH DEFINED 3470 0 0
GTE CORP COM 362320103 869 11520 SH SOLE 6020 500 5000
GTE CORP COM 362320103 117 1550 SH DEFINED 750 800 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 107 4386 SH SOLE 4386 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 39 1600 SH DEFINED 0 1600 0
GANNETT INC COM 364730101 294 4125 SH SOLE 3325 800 0
GANNETT INC COM 364730101 21 300 SH DEFINED 300 0 0
GATEWAY INC COM 367626108 5 100 SH SOLE 100 0 0
GENERAL ELEC CO COM 369604103 15058 133259 SH SOLE 122209 900 10150
GENERAL ELEC CO COM 369604103 1798 15920 SH DEFINED 3020 12900 0
GENERAL MLS INC COM 370334104 126 1580 SH SOLE 1580 0 0
GENERAL MLS INC COM 370334104 16 200 SH DEFINED 200 0 0
GENERAL MTRS CORP COM 370442105 677 10266 SH SOLE 9146 922 198
GENERAL MTRS CORP COM 370442105 236 3587 SH DEFINED 1535 1252 800
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 DEFINED 0 0 66
GENUINE PARTS CO COM 372460105 45 1300 SH SOLE 1300 0 0
GENUINE PARTS CO COM 372460105 111 3187 SH DEFINED 1462 1725 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 37 800 SH DEFINED 0 800 0
GEORGIA PAC CORP COM-TIMBER GRP 373298702 10 400 SH DEFINED 0 400 0
GILLETTE CO COM 375766102 143 3500 SH SOLE 3500 0 0
GILLETTE CO COM 375766102 20 500 SH DEFINED 500 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 147 2600 SH SOLE 2100 0 500
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 33 600 SH DEFINED 0 0 600
GLIMCHER RLTY TR 9.25 SER B CUM REDEEMABLE PFD 379302201 6 300 SH DEFINED 300 0 0
GOLDEN STATE BANCORP COM 381197102 53 2395 SH SOLE 2250 0 145
GOLDEN STATE BANCORP COM 381197102 32 1452 SH DEFINED 0 1452 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GOLDEN STATE BANCORP LITIGATION TRKG WTS 381197136 3 2395 SH SOLE 2250 0 145
GOLDEN STATE BANCORP LITIGATION TRKG WTS 381197136 1 1452 SH DEFINED 0 1452 0
GOODRICH B F CO COM 382388106 42 1000 SH SOLE 1000 0 0
GOODYEAR TIRE & RUBBER CO 382550101 23 400 SH SOLE 400 0 0
GRANT STR NATL BANK - LIQ COMMON 388216103 0 186 SH DEFINED 186 0 0
GREEN MTN COFFEE INC COM 393122106 27 4000 SH SOLE 4000 0 0
GREENPOINT FINL CORP COM 395384100 27 850 SH SOLE 850 0 0
HALLIBURTON CO COM 406216101 27 600 SH SOLE 600 0 0
HANNAFORD BROS CO COM 410550107 32 600 SH SOLE 600 0 0
HARBOR FLA BANCSHARES INC COM 411901101 22 1802 SH SOLE 1802 0 0
HARLEYSVILLE NATL CORP PA COM 412850109 157 4419 SH SOLE 4419 0 0
HARSCO CORP COM 415864107 6 200 SH SOLE 200 0 0
HARSCO CORP COM 415864107 17 540 SH DEFINED 540 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 17 300 SH SOLE 300 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 58 1000 SH DEFINED 0 1000 0
HEINZ H J CO COM 423074103 476 9500 SH SOLE 8600 900 0
HEINZ H J CO COM 423074103 182 3650 SH DEFINED 575 3075 0
HERCULES INC COM 427056106 15 400 SH SOLE 400 0 0
HERSHEY FOODS CORP COM 427866108 105 1775 SH SOLE 1275 400 100
HEWLETT PACKARD CO COM 428236103 2280 22695 SH SOLE 16895 800 5000
HEWLETT PACKARD CO COM 428236103 231 2300 SH DEFINED 1300 1000 0
HOME DEPOT INC COM 437076102 357 5550 SH SOLE 5550 0 0
HOME DEPOT INC COM 437076102 51 800 SH DEFINED 0 800 0
HONEYWELL INC COM 438506107 3 28 SH SOLE 0 0 28
HOUSEHOLD INTL INC COM 441815107 85 1800 SH SOLE 1800 0 0
HUBBELL INC CL B 443510201 41 925 SH DEFINED 925 0 0
HUDSON UNITED BANCORP COM 444165104 20 648 SH SOLE 540 0 108
HYPERION 1999 TERM TR INC COM 448913103 14 2000 SH DEFINED 0 2000 0
ICOS CORP COM 449295104 6 150 SH SOLE 150 0 0
ITT INDS INC IND COM 450911102 5 150 SH SOLE 150 0 0
ITT INDS INC IND COM 450911102 19 500 SH DEFINED 0 500 0
ILLINOIS TOOL WKS INC COM 452308109 171 2100 SH SOLE 2100 0 0
INGERSOLL RAND CO COM 456866102 48 750 SH SOLE 0 750 0
INGERSOLL RAND CO COM 456866102 77 1200 SH DEFINED 0 1200 0
INTEL CORP COM 458140100 874 14700 SH SOLE 10900 0 3800
INTEL CORP COM 458140100 154 2600 SH DEFINED 2600 0 0
INTERNATIONAL BUS MACH COM 459200101 964 7464 SH SOLE 6504 560 400
INTERNATIONAL BUS MACH COM 459200101 400 3100 SH DEFINED 800 2300 0
GLOBE AIRCRAFT CORP 459990040 0 25 SH SOLE 25 0 0
JEFFBANKS INC 472317106 39 1387 SH SOLE 1387 0 0
JEFFBANKS INC 472317106 13 479 SH DEFINED 479 0 0
JOHNSON & JOHNSON COM 478160104 2182 22272 SH SOLE 18522 750 3000
JOHNSON & JOHNSON COM 478160104 722 7375 SH DEFINED 6575 800 0
KELLOGG CO COM 487836108 28 850 SH SOLE 850 0 0
KEYSTONE FINANCIAL INC COM 493482103 4 150 SH SOLE 150 0 0
KIMBERLY CLARK CORP COM 494368103 636 11175 SH SOLE 11175 0 0
KIMBERLY CLARK CORP COM 494368103 250 4394 SH DEFINED 1794 2600 0
KNIGHT RIDDER INC COM 499040103 16 300 SH DEFINED 0 300 0
KROGER CO COM 501044101 111 4000 SH SOLE 4000 0 0
LAKEHEAD PIPE LINE PARTNERS COM UNIT-CL A 511557100 30 700 SH DEFINED 700 0 0
LILLY ELI & CO COM 532457108 705 9850 SH SOLE 9850 0 0
LILLY ELI & CO COM 532457108 171 2400 SH DEFINED 1400 1000 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
THE LIMITED INC 532716107 22 500 SH SOLE 500 0 0
LIZ CLAIBORNE INC COM 539320101 3 100 SH DEFINED 0 0 100
LOCKHEED MARTIN CORP COM 539830109 14 400 SH SOLE 400 0 0
LOCKHEED MARTIN CORP COM 539830109 46 1248 SH DEFINED 1248 0 0
LOWES COS INC COM 548661107 45 800 SH SOLE 800 0 0
LUBRIZOL CORP COM 549271104 13 500 SH DEFINED 0 500 0
LUCENT TECHNOLOGIES INC COM 549463107 2019 29949 SH SOLE 14821 128 15000
LUCENT TECHNOLOGIES INC COM 549463107 498 7390 SH DEFINED 3390 3484 516
MBIA INC COM 55262C100 12 200 SH SOLE 200 0 0
MCI WORLDCOM INC COM 55268B106 109 1270 SH SOLE 1270 0 0
MCI WORLDCOM INC COM 55268B106 36 425 SH DEFINED 125 300 0
MARSH & MCLENNAN COS INC COM 571748102 118 1560 SH SOLE 1560 0 0
MARRIOTT INTL INC NEW CL A 571903202 11 300 SH SOLE 300 0 0
MAY DEPT STORES CO COM 577778103 392 9612 SH SOLE 9162 0 450
MAY DEPT STORES CO COM 577778103 18 450 SH DEFINED 0 450 0
MAYTAG CORP COM 578592107 41 600 SH SOLE 600 0 0
MCCORMICK & CO INC COM NON VTG 579780206 28 900 SH SOLE 900 0 0
MCDONALDS CORP COM 580135101 460 11200 SH SOLE 11200 0 0
MCDONALDS CORP COM 580135101 37 900 SH DEFINED 0 900 0
MCGRAW HILL COMPANIES INC 580645109 207 3840 SH SOLE 3840 0 0
MCGRAW HILL COMPANIES INC 580645109 64 1200 SH DEFINED 600 600 0
MEDALLION FINL CORP COM 583928106 9 500 SH SOLE 500 0 0
MEDFORD BANCORP INC COM 584131106 3 200 SH SOLE 0 0 200
MEDIAONE GROUP INC COM 58440J104 32 436 SH SOLE 396 40 0
MEDIAONE GROUP INC COM 58440J104 14 200 SH DEFINED 200 0 0
MEDIMMUNE INC COM 584699102 6 100 SH SOLE 100 0 0
MEDTRONIC INC COM 585055106 147 1900 SH SOLE 1900 0 0
MEDTRONIC INC COM 585055106 31 400 SH DEFINED 400 0 0
MELLON BK CORP COM 585509102 43 1200 SH SOLE 1200 0 0
MELLON BK CORP COM 585509102 40 1116 SH DEFINED 1116 0 0
MERCANTILE BANCORP INC COM 587342106 68 1200 SH SOLE 1200 0 0
MUTUAL RESOURCES INC 587990045 7 1000 SH SOLE 0 0 1000
MERCK & CO INC COM 589331107 3006 40841 SH SOLE 30641 0 10200
MERCK & CO INC COM 589331107 1050 14270 SH DEFINED 7270 7000 0
MERITOR AUTOMOTIVE INC COM 59000G100 8 346 SH SOLE 346 0 0
MERRILL LYNCH & CO 590188108 63 800 SH SOLE 800 0 0
MET-ED CAP L P PFD GTD A 9% 590854204 10 400 SH SOLE 400 0 0
MICROSOFT CORP COM 594918104 687 7620 SH SOLE 5620 0 2000
MICROSOFT CORP COM 594918104 81 900 SH DEFINED 0 900 0
MINIMED INC COM 60365K108 7 100 SH SOLE 100 0 0
MINNESOTA MNG & MFG CO COM 604059105 712 8195 SH SOLE 3195 0 5000
MINNESOTA MNG & MFG CO COM 604059105 119 1375 SH DEFINED 875 500 0
MOBIL CORP COM 607059102 1840 18637 SH SOLE 18237 400 0
MOBIL CORP COM 607059102 794 8046 SH DEFINED 934 6512 600
MONSANTO CO COM 611662107 45 1150 SH SOLE 1150 0 0
MONTANA POWER COMPANY COM 612085100 42 600 SH SOLE 600 0 0
MONY GROUP INC COM 615337102 0 7 SH DEFINED 0 7 0
MORGAN J P & CO INC COM 616880100 49 350 SH SOLE 150 200 0
MORGAN J P & CO INC COM 616880100 131 936 SH DEFINED 0 936 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 580 5654 SH SOLE 1654 4000 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 71 700 SH DEFINED 0 700 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MOTOROLA CAP TR I TOPRS 6.68% 620074203 18 800 SH DEFINED 0 800 0
MOTOROLA INC COM 620076109 715 7550 SH SOLE 7550 0 0
MOTOROLA INC COM 620076109 113 1200 SH DEFINED 500 400 300
NCR CORP NEW COM 62886E108 0 18 SH SOLE 12 6 0
NCR CORP NEW COM 62886E108 0 18 SH DEFINED 0 0 18
NPB CAP TR TR PFD SECS 629359209 15 600 SH SOLE 600 0 0
NPB CAP TR TR PFD SECS 629359209 33 1300 SH DEFINED 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
NEW CENTURY ENERGIES INC COM 64352U103 11 299 SH SOLE 299 0 0
NEW CENTURY ENERGIES INC COM 64352U103 6 180 SH DEFINED 180 0 0
NEW ENGLAND ELEC SYS COM 644001109 10 200 SH SOLE 200 0 0
NEW JERSEY RES COM 646025106 50 1350 SH SOLE 1350 0 0
NEWPORT NEWS SHIPBLDG COM 652228107 10 340 SH DEFINED 0 340 0
NISOURCE INC COM 65473P105 58 2250 SH SOLE 2250 0 0
NISOURCE INC COM 65473P105 18 700 SH DEFINED 0 700 0
NOKIA CORP SPONSORED ADR 654902204 155 1700 SH SOLE 1700 0 0
NORFOLK SOUTHERN CORP COM 655844108 234 7800 SH SOLE 7800 0 0
NORFOLK SOUTHERN CORP COM 655844108 51 1710 SH DEFINED 1110 600 0
NORTH FORK BANCORPORATION NYCOM 659424105 63 2975 SH SOLE 2975 0 0
NURSECARE HEALTH CTR 670576305 0 20 SH SOLE 20 0 0
OGDEN CORP COM 676346109 53 2000 SH SOLE 2000 0 0
OHIO CAS CORP COM 677240103 90 2500 SH SOLE 2500 0 0
OMNICOM GROUP INC COM 681919106 96 1200 SH DEFINED 0 1200 0
ORACLE CORP COM 68389X105 38 1050 SH SOLE 1050 0 0
PECO ENERGY CO COM 693304107 224 5366 SH SOLE 4766 600 0
PECO ENERGY CO COM 693304107 89 2146 SH DEFINED 1000 1146 0
PECO ENERGY CO PFD 4.30 693304305 59 830 SH SOLE 830 0 0
PECO ENERGY CO PFD 4.40 693304404 10 150 SH SOLE 150 0 0
PG&E CORP COM 69331C108 23 724 SH SOLE 724 0 0
PNC BANK CORP 693475105 383 6656 SH SOLE 3696 2780 180
PNC BANK CORP 693475105 395 6861 SH DEFINED 5361 1500 0
P P & L RESOURCES INC 693499105 560 18218 SH SOLE 17582 436 200
P P & L RESOURCES INC 693499105 228 7416 SH DEFINED 3212 3204 1000
PPG INDS INC COM 693506107 237 4016 SH SOLE 2816 1200 0
PPG INDS INC COM 693506107 520 8810 SH DEFINED 360 8450 0
PAYLESS SHOESOURCE INC COM 704379106 17 336 SH SOLE 336 0 0
PENGO INDUSTRIES 708990056 0 50 SH SOLE 50 0 0
PENNZENERGY CO COM 70931Q109 5 324 SH SOLE 324 0 0
PENNZOIL-QUAKER STATE COMPANCOM 709323109 4 324 SH SOLE 324 0 0
PEOPLES BANCSHARES INC MASS COM 709795108 8 400 SH SOLE 400 0 0
PEOPLES BK BRIDGEPORT CONN COM 710198102 10 336 SH SOLE 336 0 0
PEPSICO INC COM 713448108 1340 34650 SH SOLE 20550 3800 10300
PEPSICO INC COM 713448108 131 3400 SH DEFINED 1600 1800 0
PFIZER INC COM 717081103 370 3400 SH SOLE 3400 0 0
PFIZER INC COM 717081103 388 3560 SH DEFINED 2000 1560 0
PHELPS DODGE CORP COM 717265102 9 150 SH SOLE 150 0 0
PHILA PA IDA INC BOND SER 1999C DUE 101528 PFD71781M206 18 800 SH DEFINED 0 800 0
PHILADELPHIA SUBN CORP COM PAR $0.50 718009608 82 3574 SH SOLE 2508 1066 0
PHILIP MORRIS COS COM 718154107 567 14125 SH SOLE 10225 2700 1200
PHILIP MORRIS COS COM 718154107 140 3500 SH DEFINED 0 3500 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PHILLIPS PETE CO COM 718507106 80 1602 SH SOLE 1602 0 0
PHILLIPS PETE CO COM 718507106 36 720 SH DEFINED 720 0 0
PHILADELPHIA TRANSP COMPANY 718990054 0 152 SH SOLE 152 0 0
PITNEY-BOWES INC COM 724479100 77 1200 SH SOLE 1200 0 0
PITNEY-BOWES INC COM 724479100 102 1600 SH DEFINED 400 1200 0
POTOMAC ELEC PWR CO COM 737679100 38 1300 SH SOLE 1300 0 0
PREMIER NATL BANCORP INC COM 74053F107 9 500 SH SOLE 500 0 0
PROCTER & GAMBLE CO COM 742718109 671 7520 SH SOLE 7020 500 0
PROCTER & GAMBLE CO COM 742718109 196 2200 SH DEFINED 1000 1200 0
PRUDENTIAL GLOBAL LTD MAT FDLTD MAT PORT A 74433F108 15 2092 SH DEFINED 0 2092 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 243 5975 SH SOLE 5975 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 65 1600 SH DEFINED 900 700 0
RAYCHEM CORP DEL COM 754603108 14 400 SH SOLE 400 0 0
RAYTHEON CO CL A 755111309 1 23 SH SOLE 23 0 0
RAYTHEON CO CL A 755111309 6 88 SH DEFINED 0 0 88
RELIANCE BANCORP INC COM 759451107 35 1300 SH SOLE 1000 0 300
REPSOL SPONS ADR 76026T205 304 15000 SH SOLE 0 0 15000
100% CAPITAL STOCK-RICHLAND DEVELOPMENT CORP 765001995 0 1 SH DEFINED 0 1 0
ROCKWELL INTL CORP NEW COM 773903109 64 1061 SH SOLE 1061 0 0
ROCKWELL INTL CORP NEW COM 773903109 48 800 SH DEFINED 800 0 0
ROHM & HAAS CO COM 775371107 45 1050 SH SOLE 1050 0 0
ROHM & HAAS CO COM 775371107 217 5084 SH DEFINED 600 4484 0
REMICO INC 777990052 0 28 SH SOLE 28 0 0
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 78 1300 SH SOLE 500 0 800
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 24 400 SH DEFINED 400 0 0
SBC COMMUNICATIONS COM 78387G103 1147 19781 SH SOLE 9603 178 10000
SBC COMMUNICATIONS COM 78387G103 171 2956 SH DEFINED 400 2556 0
SPS TECHNOLOGIES INC COM 784626103 10 276 SH DEFINED 0 276 0
ST PAUL BANCORP INC COM 792848103 8 350 SH SOLE 350 0 0
SANCHEZ COMPUTER ASSOCS INC COM 799702105 23 680 SH DEFINED 680 0 0
SARA LEE CORP COM 803111103 825 36410 SH SOLE 35610 0 800
SARA LEE CORP COM 803111103 127 5600 SH DEFINED 2400 3200 0
SCHERING PLOUGH CORP COM 806605101 2679 51040 SH SOLE 50240 0 800
SCHERING PLOUGH CORP COM 806605101 574 10950 SH DEFINED 0 10950 0
SCHLUMBERGER LTD COM 806857108 939 14750 SH SOLE 14750 0 0
SCHLUMBERGER LTD COM 806857108 178 2800 SH DEFINED 1200 1600 0
SCHWEITZER-MAUDUIT INC COM 808541106 1 100 SH DEFINED 0 100 0
SEAGRAM LTD COM 811850106 251 5000 SH SOLE 0 0 5000
SEARS ROEBUCK & CO COM 812387108 425 9556 SH SOLE 3808 5500 248
SEARS ROEBUCK & CO COM 812387108 27 620 SH DEFINED 0 620 0
SHERWIN WILLIAMS CO COM 824348106 8 300 SH SOLE 300 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 568 8600 SH SOLE 8600 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 52 800 SH DEFINED 0 0 800
SONOCO PRODS CO COM 835495102 141 4734 SH SOLE 4734 0 0
SOUTHERN CO COM 842587107 79 3000 SH SOLE 3000 0 0
SOUTHERN CO CAP TR IV TOPRS 7.125% 842636201 9 400 SH SOLE 400 0 0
SOUTHWEST AIRLS CO COM 844741108 21 675 SH SOLE 675 0 0
SPRINT CORP COM FON GROUP 852061100 10 200 SH SOLE 200 0 0
SPRINT CORP COM FON GROUP 852061100 113 2148 SH DEFINED 1348 800 0
SPRINT CORP PCS COM SER 1 852061506 8 150 SH SOLE 150 0 0
SPRINT CORP PCS COM SER 1 852061506 30 537 SH DEFINED 337 200 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
STANCORP FINL GROUP INC COM 852891100 6 201 SH SOLE 0 0 201
STAPLES INC COM 855030102 32 1035 SH DEFINED 1035 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE PAIRED CTF85590A203 23 771 SH DEFINED 0 771 0
STEIN MART INC COM 858375108 2 300 SH SOLE 300 0 0
SUMMIT BANCORP 866005101 268 6433 SH SOLE 6298 0 135
SUN MICROSYSTEMS INC COM 866810104 82 1200 SH SOLE 1200 0 0
SUNOCO INC COM 86764P109 30 1025 SH SOLE 1025 0 0
SUNTRUST BKS INC COM 867914103 79 1152 SH SOLE 1152 0 0
SUNTRUST BKS INC COM 867914103 104 1512 SH DEFINED 1512 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 63 3584 SH SOLE 3022 562 0
TMT TRAILER FERRY 872000997 0 40 SH SOLE 40 0 0
TECO ENERGY INC COM 872375100 18 800 SH SOLE 800 0 0
TECO ENERGY INC COM 872375100 13 600 SH DEFINED 600 0 0
TELEFONICA S A SPONSORED ADR 879382208 612 4161 SH SOLE 0 0 4161
TELEFONOS DE MEXICO SA SPONSORED ADR 879403780 8 100 SH SOLE 100 0 0
TELLABS INC COM 879664100 13 200 SH SOLE 200 0 0
TELLABS INC COM 879664100 25 382 SH DEFINED 382 0 0
TEMPLETON EMERG MKTS INCOME COM 880192109 10 1000 SH DEFINED 1000 0 0
TEMPLETON GLOBAL INCOME FD ICOM 880198106 19 3000 SH DEFINED 3000 0 0
TENNECO INC NEW COM 88037E101 45 1900 SH SOLE 1500 0 400
TENNECO INC NEW COM 88037E101 65 2746 SH DEFINED 950 1796 0
TEXACO INC COM 881694103 114 1836 SH SOLE 1600 236 0
TIME WARNER INC COM 887315109 726 10000 SH SOLE 0 0 10000
TRANSAMERICA CORP COM 893485102 168 2240 SH DEFINED 0 2240 0
TRI CONTL CORP COM 895436103 7 256 SH DEFINED 0 256 0
TRICON GLOBAL RESTAURANTS COM 895953107 585 10810 SH SOLE 4690 420 5700
TRICON GLOBAL RESTAURANTS COM 895953107 43 800 SH DEFINED 800 0 0
TYCO INTL LTD COM 902124106 28 300 SH SOLE 0 0 300
UGI CORP NEW COM 902681105 9 492 SH SOLE 492 0 0
USX-MARATHON GROUP COM NEW 902905827 2 75 SH DEFINED 0 0 75
UST INC COM 902911106 29 1000 SH SOLE 1000 0 0
USX-U S STL COM 90337T101 0 15 SH DEFINED 0 0 15
UNILEVER PLC SPNSRD ADR NEW 904767704 133 3571 SH SOLE 0 0 3571
UNION PAC CORP COM 907818108 97 1680 SH SOLE 1680 0 0
UNION PAC CORP COM 907818108 32 559 SH DEFINED 259 300 0
UNION PAC RES GROUP INC COM 907834105 5 338 SH SOLE 338 0 0
UNISYS CORP COM 909214108 38 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 121 2060 SH SOLE 2019 41 0
UNOCAL CORP COM 915289102 106 2700 SH DEFINED 700 2000 0
USBANCORP INC PA COM 917292104 89 5700 SH SOLE 3900 0 1800
UTILICORP UNITED INC 918005109 10 450 SH DEFINED 450 0 0
VIAD CORP COM 92552R109 3 101 SH SOLE 101 0 0
100% CAPITAL STOCK-J RICHARD VISHNESKI, INC 926000993 0 1 SH DEFINED 0 1 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 80 5500 SH SOLE 5500 0 0
WACHOVIA CORP COM 929771103 17 200 SH SOLE 200 0 0
WACHOVIA CORP COM 929771103 85 1000 SH DEFINED 1000 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
WAL MART STORES INC COM 931142103 266 5525 SH SOLE 5525 0 0
WAL MART STORES INC COM 931142103 78 1625 SH DEFINED 225 1400 0
WALGREEN CO COM 931422109 29 1000 SH SOLE 1000 0 0
WARNER LAMBERT CO COM 934488107 34 500 SH SOLE 500 0 0
WARNER LAMBERT CO COM 934488107 120 1750 SH DEFINED 0 1750 0
WASHINGTON FED INC COM 938824109 8 363 SH SOLE 363 0 0
WASHINGTON MUTUAL INC COM 939322103 89 2522 SH SOLE 2522 0 0
WASHINGTON MUTUAL INC COM 939322103 57 1627 SH DEFINED 1627 0 0
WASTE MANAGEMENT INC NEW 94106L109 7 145 SH DEFINED 0 0 145
WELLS FARGO & CO NEW COM 949746101 85 2000 SH SOLE 2000 0 0
WELLS FARGO & CO NEW COM 949746101 118 2780 SH DEFINED 1050 1730 0
W C HOMES INC 950990044 0 245 SH SOLE 245 0 0
WESTERN RES INC COM 959425109 31 1200 SH DEFINED 1200 0 0
WESTVACO CORP COM 961548104 35 1225 SH DEFINED 0 1225 0
WEYCO GROUP INC COM 962149100 10 444 SH DEFINED 0 444 0
WEYERHAEUSER CO COM 962166104 26 384 SH DEFINED 384 0 0
WHIRLPOOL CORP COM 963320106 7 100 SH SOLE 100 0 0
WILMINGTON TRUST CORP COM 971807102 43 750 SH SOLE 750 0 0
WISCONSIN ENERGY CORP COM 976657106 12 500 SH SOLE 500 0 0
WITCO CORP COM 977385103 3 200 SH SOLE 200 0 0
WOLVERINE WORLD WIDE INC 978097103 7 505 SH SOLE 505 0 0
100% CAPITAL STOCK-WOODS OF BRADFORD, INC 979004991 0 1 SH DEFINED 0 1 0
XEROX CORP COM 984121103 17 300 SH SOLE 300 0 0
XEROX CORP COM 984121103 82 1400 SH DEFINED 800 600 0
YAHOO INC COM 984332106 22 130 SH SOLE 130 0 0
ZWEIG FD COM 989834106 11 1000 SH DEFINED 0 1000 0
GRAND TOTALS 124942 2084072 1557590 294850 231632
</TABLE>
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