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UNITED STATES SECURITIES
AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR CALENDAR YEAR END OR QUARTER ENDED: September 30, 1999
CHECK HERE IF AMENDMENT [ ]; AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONE): [ ] IS A RESTATEMENT
[ ] ADDS NEW HOLDING 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 19381-3105
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 THE REPORTING MANAGER:
NAME: CAROL LINDSEY
TITLE: ASSISTANT VICE-PRESIDENT
PHONE: 610-692-1451
SIGNATURE, PLACE AND DATE OF SIGNING:
CAROL LINDSEY WEST CHESTER, PENNSYLVANIA NOVEMBER 11, 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 379 5462 SH SOLE 462 0 5000
AMF INC RIGHTS 001005990 0 200 SH SOLE 200 0 0
AGL RES INC COM 001204106 34 2100 SH SOLE 2100 0 0
A T & T CORP COMMON REINV 00195710R 17 408 SH DEFINED 408 0 0
AT&T CORP COM 001957109 1097 25230 SH SOLE 24443 337 450
AT&T CORP COM 001957109 324 7455 SH DEFINED 3415 3440 600
AXA FINL INC COM 002451102 5 100 SH DEFINED 100 0 0
ABBOTT LABS COM 002824100 1075 29330 SH SOLE 28730 600 0
ABBOTT LABS COM 002824100 33 900 SH DEFINED 0 900 0
ADAMS EXPRESS CO COM 006212104 76 2669 SH SOLE 2669 0 0
AEGON N V ORD AMER REG 007924103 139 1612 SH DEFINED 0 1612 0
AIR PRODS & CHEMS INC COM 009158106 87 3000 SH SOLE 3000 0 0
AIR PRODS & CHEMS INC COM 009158106 11 400 SH DEFINED 0 400 0
ALBERTSONS INC COM 013104104 132 3338 SH SOLE 3338 0 0
ALBERTSONS INC COM 013104104 79 2000 SH DEFINED 1200 800 0
ALCOA INC COM 013817101 24 400 SH SOLE 400 0 0
ALLEGHENY ENERGY INC COM 017361106 31 1000 SH SOLE 1000 0 0
ALLERGAN INC COM 018490102 44 400 SH SOLE 400 0 0
ALLIANT CORP COM 018802108 18 684 SH SOLE 684 0 0
ALLIANT CORP COM 018802108 12 456 SH DEFINED 0 456 0
ALLIED CAP CORP NEW COM 01903Q108 15 700 SH SOLE 700 0 0
ALLIEDSIGNAL INC COM 019512102 39 660 SH SOLE 660 0 0
ALLSTATE CORP COMMON REINV 02000210R 11 471 SH DEFINED 471 0 0
ALLSTATE CORP COM 020002101 489 19642 SH SOLE 7442 12200 0
ALLSTATE CORP COM 020002101 38 1534 SH DEFINED 388 1146 0
ALLSTATE CORP QUIBS SR 2097 020002200 13 600 SH DEFINED 600 0 0
ALLTEL CORP COM 020039103 98 1400 SH SOLE 1400 0 0
ALLTEL CORP COM 020039103 42 598 SH DEFINED 0 598 0
AMAZON COM INC COM 023135106 31 400 SH SOLE 400 0 0
AMERICA ONLINE INC DEL COM 02364J104 54 520 SH SOLE 320 0 200
AMERICAN ELEC PWR INC COM 025537101 160 4700 SH SOLE 4700 0 0
AMERICAN ELEC PWR INC COM 025537101 31 930 SH DEFINED 500 430 0
AMERICAN EXPRESS CO COM 025816109 65 484 SH SOLE 484 0 0
AMERICAN EXPRESS CO COM 025816109 54 400 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 294 4662 SH SOLE 4662 0 0
AMERICAN HOME PRODS CORP COM 026609107 7613 183447 SH SOLE 183447 0 0
AMERICAN HOME PRODS CORP COM 026609107 307 7400 SH DEFINED 2100 5300 0
AMERICAN HOME PRODS CORP PFD CV $2 026609206 76 48 SH SOLE 48 0 0
AMERICAN INTL GROUP INC COM 026874107 68 786 SH SOLE 786 0 0
AMERICAN INTL GROUP INC COM 026874107 81 937 SH DEFINED 187 750 0
AMERITECH CORP NEW COM 030954101 222 3337 SH SOLE 3217 120 0
AMERITECH CORP NEW COM 030954101 59 896 SH DEFINED 600 296 0
AMGEN INC COM 031162100 89 1100 SH SOLE 1100 0 0
AMKOR TECHNOLOGY INC COM 031652100 32 2000 SH SOLE 0 0 2000
ANGELES CORP RESTR COMMON 034624999 1 1326 SH SOLE 1326 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
APPLIED MATLS INC COM 038222105 77 1000 SH SOLE 0 0 1000
ARCHER DANIELS MIDLAND CO COM 039483102 2 208 SH SOLE 208 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 61 1714 SH SOLE 1714 0 0
ASSOCIATES FIRST CAP CORP CL A 046008108 10 291 SH DEFINED 0 291 0
ASTORIA FINL CORP COM 046265104 60 1975 SH SOLE 1860 0 115
ATLANTIC RICHFIELD CO COM 048825103 911 10288 SH SOLE 9888 400 0
ATLANTIC RICHFIELD CO COM 048825103 321 3625 SH DEFINED 1125 2300 200
AUTOLIV INC COM 052800109 124 3314 SH DEFINED 0 3314 0
AUTOMATIC DATA PROCESSING INCOM 053015103 849 19043 SH SOLE 18343 700 0
AUTOMATIC DATA PROCESSING INCOM 053015103 213 4775 SH DEFINED 3475 1300 0
AVISTA CORP COM 05379B107 3 200 SH SOLE 200 0 0
AVNET INC COM 053807103 8 200 SH SOLE 200 0 0
100% CAPITAL STOCK-AUTUMN VIEW, INC 054000997 0 1 SH DEFINED 0 1 0
BB&T CORP COM 054937107 51 1600 SH SOLE 1600 0 0
BB&T CORP COM 054937107 62 1932 SH DEFINED 0 1932 0
BP AMOCO P L C SPONSORED ADR 055622104 283 2556 SH SOLE 2556 0 0
BP AMOCO P L C SPONSORED ADR 055622104 102 924 SH DEFINED 528 396 0
BANK OF AMERICA CORP COM 060505104 331 5960 SH SOLE 5960 0 0
BANK OF AMERICA CORP COM 060505104 22 400 SH DEFINED 200 200 0
BANK BLDG & EQUIP AM 060815107 0 500 SH SOLE 0 500 0
BANK OF NEW YORK CO INC 064057102 20 600 SH SOLE 600 0 0
BANK OF NEW YORK CO INC 064057102 53 1600 SH DEFINED 1600 0 0
BANK ONE CORP COM 06423A103 254 7297 SH SOLE 6997 0 300
BANK ONE CORP COM 06423A103 79 2274 SH DEFINED 530 1744 0
BANKBOSTON CORP COM 06605R106 78 1800 SH SOLE 1800 0 0
BARCLAYS PLC ADR 06738E204 23 200 SH SOLE 200 0 0
BARRICK GOLD CORP COM 067901108 14 655 SH SOLE 655 0 0
BAUSCH & LOMB INC COM 071707103 13 200 SH SOLE 200 0 0
BAXTER INTL INC COM 071813109 30 500 SH SOLE 200 0 300
BAXTER INTL INC COM 071813109 12 200 SH DEFINED 200 0 0
BECKMAN COULTER INC COM 075811109 6 146 SH SOLE 146 0 0
BELL ATLANTIC CORP COM 077853109 3812 56644 SH SOLE 44304 1860 10480
BELL ATLANTIC CORP COM 077853109 1046 15553 SH DEFINED 7537 6416 1600
BELLSOUTH CORP COMMON REINV 07986010R 127 2834 SH DEFINED 2834 0 0
BELLSOUTH CORP COM 079860102 911 20251 SH SOLE 10071 180 10000
BELLSOUTH CORP COM 079860102 129 2873 SH DEFINED 1825 448 600
BESTFOODS COM 08658U101 97 2000 SH SOLE 2000 0 0
BESTFOODS COM 08658U101 145 3000 SH DEFINED 0 3000 0
BETHLEHEM STL CORP COM 087509105 1 157 SH SOLE 0 157 0
BETHLEHEM STL CORP COM 087509105 8 1179 SH DEFINED 1179 0 0
BIOGEN INC COM 090597105 23 300 SH SOLE 300 0 0
BLACK & DECKER CORP 091797100 91 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 376 8824 SH SOLE 8824 0 0
BOEING CO COM 097023105 278 6524 SH DEFINED 3024 3500 0
BRISTOL MYERS SQUIBB CO COM 110122108 1830 27114 SH SOLE 27114 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 249 3700 SH DEFINED 400 3300 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
BRITISH TELECOMMUNICATIONS PADR FINAL INST 111021408 774 5000 SH SOLE 0 0 5000
BRUNSWICK CORP COM 117043109 24 1000 SH SOLE 0 1000 0
BRYN MAWR BK CORP COM 117665109 70 2800 SH DEFINED 2800 0 0
BURLINGTON NORTHN SANTA FE CCOM 12189T104 37 1350 SH SOLE 1350 0 0
CCB FINL CORP COM 124875105 36 888 SH SOLE 800 0 88
CBS CORP COM 12490K107 9 200 SH SOLE 0 0 200
CIGNA CORP COM 125509109 144 1864 SH SOLE 1864 0 0
CSX CORP COM 126408103 77 1840 SH SOLE 1840 0 0
CSX CORP COM 126408103 63 1500 SH DEFINED 1100 400 0
CVS CORP COM 126650100 8 200 SH SOLE 200 0 0
CAMBRIDGE TECH PARTNERS MASSCOM 132524109 4 300 SH DEFINED 300 0 0
CAMPBELL SOUP CO COM 134429109 52 1350 SH SOLE 1350 0 0
CAMPBELL SOUP CO COM 134429109 113 2900 SH DEFINED 2100 800 0
CAPITAL INDS INC 140215104 0 12 SH SOLE 12 0 0
CAPITAL ONE FINL CORP COM 14040H105 5 150 SH SOLE 150 0 0
CAPSTEAD MTG CORP PFD B CV $1.26 14067E308 9 1000 SH DEFINED 1000 0 0
CARNIVAL CORP COM 143658102 34 800 SH SOLE 800 0 0
CAROLINA PWR & LT CO COM 144141108 35 990 SH SOLE 990 0 0
CARPENTER TECHNOLOGY CORP 144285103 29 1200 SH SOLE 1200 0 0
CARPENTER TECHNOLOGY CORP 144285103 19 800 SH DEFINED 0 800 0
CATERPILLAR INC DEL COM 149123101 21 400 SH DEFINED 0 400 0
CENDANT CORP COM 151313103 29 1681 SH SOLE 1681 0 0
CENDANT CORP COM 151313103 17 960 SH DEFINED 960 0 0
CENTRAL & SOUTH WEST CORP COM 152357109 19 900 SH SOLE 900 0 0
CHARTER ONE FINL INC COM 160903100 91 3957 SH SOLE 3453 0 504
CHARTER ONE FINL INC COM 160903100 47 2041 SH DEFINED 2041 0 0
CHASE CAP V CAP SEC E7.03% 161479209 22 1000 SH DEFINED 1000 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 90 1202 SH SOLE 1202 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 21 290 SH DEFINED 0 0 290
CHATWOOD WATER COMPANY 162000996 0 20 SH SOLE 20 0 0
CHEMED CORP 163596109 15 500 SH SOLE 500 0 0
CHESTER VALLEY BANCORP COM 166335109 92 6286 SH SOLE 4492 0 1794
CHEVRON CORPORATION COM 166751107 66 750 SH SOLE 750 0 0
CHEVRON CORPORATION COM 166751107 97 1100 SH DEFINED 0 1100 0
CHROMAVISION MED SYS INC COM 17111P104 8 640 SH DEFINED 640 0 0
CIRCUIT CITY STORE INC CIRCT CITY GRP 172737108 63 1500 SH SOLE 1500 0 0
CISCO SYS INC COM 17275R102 404 5904 SH SOLE 5904 0 0
CITIGROUP INC COM 172967101 169 3862 SH SOLE 3862 0 0
CITIGROUP INC COM 172967101 124 2837 SH DEFINED 1143 1694 0
CITICORP CAP III TRUPS 7.10% 17303U200 11 500 SH DEFINED 500 0 0
CITIZENS BKG CORP MICH COM 174420109 11 450 SH SOLE 0 0 450
BLACKSTONE URANUIM MINES INC 174990044 0 500 SH SOLE 500 0 0
CLAYTON HOMES INC COM 184190106 2 250 SH DEFINED 250 0 0
COAST FED LITIGATION CONTINGENT PMT RTS 19034Q110 3 3100 SH SOLE 3100 0 0
COAST FED LITIGATION CONTINGENT PMT RTS 19034Q110 1 1300 SH DEFINED 1300 0 0
COCA COLA CO COM 191216100 1028 21312 SH SOLE 10512 800 10000
COCA COLA CO COM 191216100 379 7855 SH DEFINED 4655 2400 800
COCA-COLA FEMSA SA DE CV SPONSORED ADR 191241108 4 300 SH SOLE 300 0 0
COLGATE PALMOLIVE CO COM 194162103 151 3312 SH SOLE 2512 0 800
COLGATE PALMOLIVE CO COM 194162103 219 4800 SH DEFINED 600 4200 0
COLUMBIA/HCA HEALTHCARE CORPCOM 197677107 6 300 SH SOLE 300 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
CHACE CANDLECRAFT CORP CLASS A 200990042 0 50 SH SOLE 50 0 0
COMMERCIAL FEDERAL CORPORATICOM 201647104 39 2000 SH SOLE 2000 0 0
COMMONWEALTH BANCORP INC COM 20268X102 8 500 SH SOLE 500 0 0
COMPAQ COMPUTER CORP COM 204493100 118 5200 SH SOLE 5200 0 0
COMPAQ COMPUTER CORP COM 204493100 11 500 SH DEFINED 0 500 0
COMPUTER ASSOC INTL INC COM 204912109 4 75 SH SOLE 75 0 0
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 28 300 SH SOLE 300 0 0
CONAGRA INC COM 205887102 133 5900 SH SOLE 5900 0 0
CONAGRA INC COM 205887102 4 200 SH DEFINED 0 200 0
CONECTIV INC COM 206829103 93 4760 SH SOLE 4760 0 0
CONECTIV INC COM 206829103 18 950 SH DEFINED 0 950 0
CONECTIV INC CL A 206829202 1 25 SH SOLE 25 0 0
CONECTIV INC CL A 206829202 3 75 SH DEFINED 0 75 0
CONOCO INC CL B 208251405 11 429 SH DEFINED 429 0 0
CONSOLIDATED EDISON INC COM 209115104 29 720 SH SOLE 720 0 0
CONSOLIDATED NAT GAS CO COM 209615103 180 2900 SH SOLE 2900 0 0
CONSOLIDATED NAT GAS CO COM 209615103 18 300 SH DEFINED 0 300 0
CONSTELLATION ENERGY CORP COM 210371100 30 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 78 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 105 1541 SH SOLE 1541 0 0
CORNING INC COM 219350105 6 100 SH DEFINED 100 0 0
DELAWARE VALLEY FINANCIAL CORP CLASS A 222990046 0 153 SH SOLE 153 0 0
CRESCENT REAL ESTATE EQUITIECOM 225756105 7 400 SH SOLE 400 0 0
DQE INC COM 23329J104 5 150 SH SOLE 150 0 0
DTE ENERGY CO COM 233331107 18 500 SH SOLE 500 0 0
DAYTON HUDSON CORP COM 239753106 150 2500 SH SOLE 2500 0 0
DAYTON HUDSON CORP COM 239753106 126 2100 SH DEFINED 900 1200 0
DEERE & CO COM 244199105 11 300 SH SOLE 300 0 0
DELL COMPUTER CORP COM 247025109 58 1400 SH SOLE 1400 0 0
DELPHI AUTOMOTIVE SYS COM 247126105 88 5533 SH SOLE 5310 85 138
DELPHI AUTOMOTIVE SYS COM 247126105 41 2568 SH DEFINED 1139 870 559
DELUXE CORP COM 248019101 30 900 SH DEFINED 900 0 0
DENDRITE INTL INC COM 248239105 23 500 SH SOLE 500 0 0
DIAMOND TECHNOLOGY PARTNERS CL A 252762109 14 320 SH DEFINED 320 0 0
DIEBOLD INC COM 253651103 10 450 SH SOLE 450 0 0
DISNEY WALT COMPANY COM 254687106 392 15100 SH SOLE 5100 0 10000
DOMINION RES INC VA COM 257470104 46 1030 SH DEFINED 0 580 450
DOVER CORP COM 260003108 16 400 SH SOLE 400 0 0
DOW CHEMICAL COMPANY COM 260543103 897 7896 SH SOLE 2596 0 5300
DOW CHEMICAL COMPANY COM 260543103 126 1113 SH DEFINED 688 425 0
E I DU PONT DE NEMOURS COMMON REINV 26353410R 34 568 SH DEFINED 568 0 0
DU PONT E I DE NEMOURS 263534109 3577 59137 SH SOLE 48267 270 10600
DU PONT E I DE NEMOURS 263534109 1215 20097 SH DEFINED 6143 13954 0
DUKE ENERGY CORP COM 264399106 45 825 SH SOLE 825 0 0
DUKE ENERGY CORP COM 264399106 63 1151 SH DEFINED 1151 0 0
E M C CORP MASS COM 268648102 142 2000 SH SOLE 0 0 2000
EASTMAN KODAK CO COM 277461109 102 1350 SH SOLE 650 700 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ECHELON INTL CORP COM 278747100 0 15 SH DEFINED 0 0 15
EDISON INTL 281020107 14 600 SH SOLE 600 0 0
EDO CORP COM 281347104 0 100 SH SOLE 100 0 0
EL PASO ENERGY CORP DEL COM 283905107 12 312 SH DEFINED 0 312 0
ELECTRONIC DATA SYSTEMS CORP 285661104 101 1920 SH SOLE 1220 0 700
BOLMAR CORP 289990046 249 35 SH SOLE 35 0 0
EMERSON ELEC CO COM 291011104 794 12582 SH SOLE 12582 0 0
EMERSON ELEC CO COM 291011104 37 600 SH DEFINED 200 400 0
ENDESA S A SPONSORED ADR 29258N107 15 800 SH SOLE 0 0 800
ENERGY EAST CORP COM 29266M109 19 800 SH DEFINED 0 800 0
ENRON CORP COM 293561106 24 600 SH SOLE 600 0 0
ENTERGY CORP NEW COM 29364G103 36 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 1819 23944 SH SOLE 23944 0 0
EXXON CORP COM 302290101 484 6380 SH DEFINED 2300 3000 1080
FPL GROUP INC COM 302571104 115 2300 SH SOLE 2300 0 0
FPL GROUP INC COM 302571104 60 1200 SH DEFINED 600 600 0
FDX CORP COM 31304N107 15 400 SH SOLE 400 0 0
FEDERAL NATL MTG ASSN COM 313586109 532 8500 SH SOLE 8250 0 250
FEDERAL NATL MTG ASSN COM 313586109 70 1125 SH DEFINED 525 600 0
FIRST AMER CORP TENN COM 318900107 56 1300 SH SOLE 1300 0 0
FIRST DATA CORP COM 319963104 21 500 SH SOLE 500 0 0
FIRST EXECUTIVE CORP DEL PFD F 11.5%DEP 320135601 0 300 SH DEFINED 0 300 0
FIRST SEC CORP DEL COM 336294103 8 350 SH SOLE 350 0 0
FIRST UN CORP COM 337358105 1185 33287 SH SOLE 28980 4307 0
FIRST UN CORP COM 337358105 1951 54775 SH DEFINED 43098 8007 3670
FIRSTAR CORP NEW WIS COM 33763V109 98 3859 SH SOLE 3859 0 0
FLEET FINL GROUP INC NEW COM 338915101 109 3000 SH SOLE 2500 0 500
FLEET FINL GROUP INC NEW COM 338915101 14 400 SH DEFINED 400 0 0
FLORIDA PROGRESS CORP COM 341109106 14 315 SH SOLE 315 0 0
FLORIDA PROGRESS CORP COM 341109106 10 225 SH DEFINED 0 0 225
FLOWERS INDS INC COM 343496105 102 7550 SH SOLE 7550 0 0
FORD MTR CO CAP TR I TOPRS 9% 345343206 13 500 SH DEFINED 500 0 0
FORD MTR CO DEL COM 345370100 393 7828 SH SOLE 7328 0 500
FORD MTR CO DEL COM 345370100 101 2014 SH DEFINED 1458 556 0
FORD MTR CO DEL PFD B 1/2000SH 345370407 13 500 SH DEFINED 500 0 0
FORTUNE BRANDS INC COM 349631101 164 5086 SH SOLE 5086 0 0
FORTUNE BRANDS INC COM 349631101 114 3550 SH DEFINED 1950 1600 0
FOX ENTMT GROUP INC CL A 35138T107 105 5000 SH SOLE 0 0 5000
FULTON FINANCIAL CORP 360271100 19 1065 SH SOLE 829 236 0
FULTON FINANCIAL CORP 360271100 65 3470 SH DEFINED 3470 0 0
GTE CORP COM 362320103 943 12270 SH SOLE 6770 500 5000
GTE CORP COM 362320103 119 1550 SH DEFINED 750 800 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 119 4386 SH SOLE 4386 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 48 1800 SH DEFINED 200 1600 0
GANNETT INC COM 364730101 475 6875 SH SOLE 6275 400 200
GANNETT INC COM 364730101 72 1050 SH DEFINED 1050 0 0
GATEWAY INC COM 367626108 8 200 SH SOLE 200 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GENERAL ELEC CO COM 369604103 15882 133959 SH SOLE 122909 900 10150
GENERAL ELEC CO COM 369604103 1887 15920 SH DEFINED 3020 12900 0
GENERAL MLS INC COM 370334104 95 1180 SH SOLE 1180 0 0
GENERAL MLS INC COM 370334104 16 200 SH DEFINED 200 0 0
GENERAL MTRS CORP COM 370442105 612 9740 SH SOLE 9420 122 198
GENERAL MTRS CORP COM 370442105 231 3686 SH DEFINED 1634 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 21 800 SH SOLE 800 0 0
GENUINE PARTS CO COM 372460105 84 3187 SH DEFINED 1462 1725 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 32 800 SH DEFINED 0 800 0
GEORGIA PAC CORP COM-TIMBER GRP 373298702 9 400 SH DEFINED 0 400 0
GILLETTE CO COM 375766102 122 3600 SH SOLE 3600 0 0
GILLETTE CO COM 375766102 16 500 SH DEFINED 500 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 135 2600 SH SOLE 2100 0 500
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 31 600 SH DEFINED 0 0 600
GLIMCHER RLTY TR 9.25 SER B CUM REDEEMABLE PFD 379302201 5 300 SH DEFINED 300 0 0
GOLDEN STATE BANCORP COM 381197102 42 2395 SH SOLE 2250 0 145
GOLDEN STATE BANCORP COM 381197102 26 1452 SH DEFINED 0 1452 0
GOLDEN STATE BANCORP LITIGATION TRKG WTS 381197136 2 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 14 500 SH SOLE 500 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 MTN COFFEE INC COM 393122106 36 4000 SH SOLE 4000 0 0
GREENPOINT FINL CORP COM 395384100 22 850 SH SOLE 850 0 0
HALLIBURTON CO COM 406216101 26 650 SH SOLE 650 0 0
HANNAFORD BROS CO COM 410550107 42 600 SH SOLE 600 0 0
HARBOR FLA BANCSHARES INC COM 411901101 21 1802 SH SOLE 1802 0 0
HARLEYSVILLE NATL CORP PA COM 412850109 160 4639 SH SOLE 4639 0 0
HARSCO CORP COM 415864107 5 200 SH SOLE 200 0 0
HARSCO CORP COM 415864107 14 540 SH DEFINED 540 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 12 300 SH SOLE 300 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 40 1000 SH DEFINED 0 1000 0
HEINZ H J CO COM 423074103 430 10000 SH SOLE 9100 900 0
HEINZ H J CO COM 423074103 184 4300 SH DEFINED 1225 3075 0
HERCULES INC COM 427056106 11 400 SH SOLE 400 0 0
HERSHEY FOODS CORP COM 427866108 86 1775 SH SOLE 1275 400 100
HEWLETT PACKARD CO COM 428236103 2120 23363 SH SOLE 17963 400 5000
HEWLETT PACKARD CO COM 428236103 190 2100 SH DEFINED 1100 1000 0
HOME DEPOT INC COM 437076102 401 5850 SH SOLE 5850 0 0
HOME DEPOT INC COM 437076102 54 800 SH DEFINED 0 800 0
HONEYWELL INC COM 438506107 3 28 SH SOLE 0 0 28
HOUSEHOLD INTL INC COM 441815107 72 1800 SH SOLE 1800 0 0
HUBBELL INC CL B 443510201 29 925 SH DEFINED 925 0 0
HUDSON UNITED BANCORP COM 444165104 19 648 SH SOLE 540 0 108
HYPERION 1999 TERM TR INC COM 448913103 14 2000 SH DEFINED 0 2000 0
ICOS CORP COM 449295104 4 150 SH SOLE 150 0 0
ITT INDS INC COMMON REINV 45091110R 9 304 SH DEFINED 304 0 0
ITT INDS INC IND COM 450911102 4 150 SH SOLE 150 0 0
ITT INDS INC IND COM 450911102 15 500 SH DEFINED 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ILLINOIS TOOL WKS INC COM 452308109 156 2100 SH SOLE 2100 0 0
INGERSOLL-RAND COMPANY COM 456866102 41 750 SH SOLE 0 750 0
INGERSOLL-RAND COMPANY COM 456866102 65 1200 SH DEFINED 0 1200 0
INTEL CORP COM 458140100 1192 16050 SH SOLE 12250 0 3800
INTEL CORP COM 458140100 193 2600 SH DEFINED 2600 0 0
INTERNATIONAL BUSINESS MACHSCOM 459200101 782 6464 SH SOLE 5504 560 400
INTERNATIONAL BUSINESS MACHSCOM 459200101 344 2850 SH DEFINED 800 2050 0
GLOBE AIRCRAFT CORP 459990040 0 25 SH SOLE 25 0 0
IPALCO ENTERPRISES INC COM 462613100 29 1500 SH SOLE 1500 0 0
JEFFBANKS INC 472317106 40 1387 SH SOLE 1387 0 0
JEFFBANKS INC 472317106 26 917 SH DEFINED 917 0 0
JOHNSON & JOHNSON COM 478160104 2013 21922 SH SOLE 18572 350 3000
JOHNSON & JOHNSON COM 478160104 631 6875 SH DEFINED 6075 800 0
KELLOGG CO COM 487836108 24 650 SH SOLE 650 0 0
KEYSTONE FINANCIAL INC COM 493482103 3 150 SH SOLE 150 0 0
KIMBERLY CLARK CORP COM 494368103 589 11175 SH SOLE 11175 0 0
KIMBERLY CLARK CORP COM 494368103 231 4394 SH DEFINED 1794 2600 0
KROGER CO COM 501044101 88 4010 SH SOLE 4010 0 0
LAKEHEAD PIPE LINE PARTNERS COM UNIT-CL A 511557100 29 700 SH DEFINED 700 0 0
LIFEPOINT HOSPITALS INC COM 53219L109 0 15 SH SOLE 15 0 0
LILLY ELI & CO COM 532457108 587 9150 SH SOLE 9150 0 0
LILLY ELI & CO COM 532457108 154 2400 SH DEFINED 1400 1000 0
THE LIMITED INC 532716107 19 500 SH SOLE 500 0 0
LIZ CLAIBORNE INC COM 539320101 3 100 SH DEFINED 0 0 100
LOCKHEED MARTIN CORP COM 539830109 13 400 SH SOLE 400 0 0
LOCKHEED MARTIN CORP COM 539830109 40 1248 SH DEFINED 1248 0 0
LOWES COS INC COM 548661107 39 800 SH SOLE 800 0 0
LUBRIZOL CORP COM 549271104 12 500 SH DEFINED 0 500 0
LUCENT TECHNOLOGIES INC COMMON REINV 54946310R 35 554 SH DEFINED 554 0 0
LUCENT TECHNOLOGIES INC COM 549463107 1929 29749 SH SOLE 14621 128 15000
LUCENT TECHNOLOGIES INC COM 549463107 500 7716 SH DEFINED 3716 3484 516
MBIA INC COM 55262C100 9 200 SH SOLE 200 0 0
MCI WORLDCOM INC COM 55268B106 89 1250 SH SOLE 1250 0 0
MCI WORLDCOM INC COM 55268B106 30 425 SH DEFINED 125 300 0
MARSH & MCLENNAN COS INC COM 571748102 137 2010 SH SOLE 2010 0 0
MARRIOTT INTL INC NEW CL A 571903202 9 300 SH SOLE 300 0 0
MAY DEPT STORES CO COM 577778103 333 9162 SH SOLE 8712 0 450
MAY DEPT STORES CO COM 577778103 16 450 SH DEFINED 0 450 0
MAYTAG CORP COM 578592107 19 600 SH SOLE 600 0 0
MCCORMICK & CO INC COM NON VTG 579780206 29 900 SH SOLE 900 0 0
MCDONALDS CORP COM 580135101 501 11600 SH SOLE 11600 0 0
MCDONALDS CORP COM 580135101 38 900 SH DEFINED 0 900 0
MCGRAW HILL COMPANIES INC 580645109 147 3040 SH SOLE 3040 0 0
MCGRAW HILL COMPANIES INC 580645109 43 900 SH DEFINED 300 600 0
MEDALLION FINL CORP COM 583928106 10 500 SH SOLE 500 0 0
MEDFORD BANCORP INC COM 584131106 3 200 SH SOLE 0 0 200
MEDIAONE GROUP INC COM 58440J104 29 436 SH SOLE 396 40 0
MEDIAONE GROUP INC COM 58440J104 13 200 SH DEFINED 200 0 0
MEDIMMUNE INC COM 584699102 19 200 SH SOLE 200 0 0
MEDTRONIC INC COM 585055106 142 4000 SH SOLE 4000 0 0
MEDTRONIC INC COM 585055106 28 800 SH DEFINED 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MELLON BK CORP COM 585509102 47 1400 SH SOLE 1400 0 0
MELLON BK CORP COM 585509102 37 1116 SH DEFINED 1116 0 0
MUTUAL RESOURCES INC 587990045 7 1000 SH SOLE 0 0 1000
MERCK & CO INC COM 589331107 2665 41131 SH SOLE 30931 0 10200
MERCK & CO INC COM 589331107 947 14620 SH DEFINED 7620 7000 0
MERITOR AUTOMOTIVE INC COM 59000G100 7 346 SH SOLE 346 0 0
MERRILL LYNCH & CO 590188108 53 800 SH SOLE 800 0 0
MET-ED CAP L P PFD GTD A 9% 590854204 9 400 SH DEFINED 400 0 0
MICROSOFT CORP COM 594918104 798 8820 SH SOLE 6820 0 2000
MICROSOFT CORP COM 594918104 81 900 SH DEFINED 0 900 0
MINIMED INC COM 60365K108 19 200 SH SOLE 200 0 0
MINNESOTA MNG & MFG CO COM 604059105 787 8195 SH SOLE 3195 0 5000
MINNESOTA MNG & MFG CO COM 604059105 132 1375 SH DEFINED 875 500 0
MOBIL CORP COM 607059102 1848 18347 SH SOLE 17947 400 0
MOBIL CORP COM 607059102 760 7546 SH DEFINED 934 6012 600
MONSANTO CO COM 611662107 41 1150 SH SOLE 1150 0 0
MONTANA POWER CO COM 612085100 36 1200 SH SOLE 1200 0 0
MONY GROUP INC COM 615337102 0 7 SH DEFINED 0 7 0
MORGAN J P & CO INC COM 616880100 39 350 SH SOLE 150 200 0
MORGAN J P & CO INC COM 616880100 107 938 SH DEFINED 0 938 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 504 5654 SH SOLE 1654 4000 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 62 700 SH DEFINED 0 700 0
MOTOROLA CAP TR I TOPRS 6.68% 620074203 17 800 SH DEFINED 0 800 0
MOTOROLA INC COM 620076109 638 7250 SH SOLE 7250 0 0
MOTOROLA INC COM 620076109 105 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 47 1900 SH DEFINED 1900 0 0
NAMIC BANCORP CL B COMMON 62987#103 1 1000 SH SOLE 0 0 1000
NAMIC INSUR CO CL B 634990048 57 440 SH SOLE 0 0 440
NATIONAL CITY CORP COM 635405103 26 1000 SH SOLE 1000 0 0
NEW CENTURY ENERGIES INC COM 64352U103 9 299 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 46 1150 SH SOLE 1150 0 0
NEWPORT NEWS SHIPBLDG COM 652228107 11 341 SH DEFINED 0 341 0
NISOURCE INC COM 65473P105 49 2250 SH SOLE 2250 0 0
NISOURCE INC COM 65473P105 15 700 SH DEFINED 0 700 0
NOKIA CORP SPONSORED ADR 654902204 134 1500 SH SOLE 1500 0 0
NORFOLK SOUTHERN CORP COM 655844108 124 5100 SH SOLE 5100 0 0
NORFOLK SOUTHERN CORP COM 655844108 36 1510 SH DEFINED 910 600 0
NORTH FORK BANCORPORATION NYCOM 659424105 58 2975 SH SOLE 2975 0 0
NURSECARE HEALTH CTR 670576305 0 20 SH SOLE 20 0 0
OGDEN CORP COM 676346109 20 2000 SH SOLE 2000 0 0
OHIO CAS CORP COM 677240103 101 6000 SH SOLE 6000 0 0
OMNICOM GROUP INC COM 681919106 95 1200 SH DEFINED 0 1200 0
ORACLE CORP COM 68389X105 56 1250 SH SOLE 1250 0 0
PECO ENERGY CO COM 693304107 125 3341 SH SOLE 2741 600 0
PECO ENERGY CO COM 693304107 80 2146 SH DEFINED 1000 1146 0
PECO ENERGY CO PFD 4.30 693304305 56 830 SH SOLE 830 0 0
PECO ENERGY CO PFD 4.40 693304404 9 150 SH SOLE 150 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PG&E CORP COM 69331C108 18 724 SH SOLE 724 0 0
PNC BANK CORP 693475105 340 6456 SH SOLE 6276 0 180
PNC BANK CORP 693475105 282 5361 SH DEFINED 5361 0 0
P P & L RESOURCES INC 693499105 501 18518 SH SOLE 17882 436 200
P P & L RESOURCES INC 693499105 197 7316 SH DEFINED 3112 3204 1000
PPG INDS INC COM 693506107 252 4216 SH SOLE 3016 1200 0
PPG INDS INC COM 693506107 524 8744 SH DEFINED 360 8384 0
PAYLESS SHOESOURCE INC COM 704379106 16 336 SH SOLE 336 0 0
PENGO INDUSTRIES 708990056 0 50 SH SOLE 50 0 0
PEOPLES BANCSHARES INC MASS COM 709795108 7 400 SH SOLE 400 0 0
PEOPLES BK BRIDGEPORT CONN COM 710198102 7 336 SH SOLE 336 0 0
PEP BOYS MANNY MOE & JACK COM 713278109 4 300 SH DEFINED 300 0 0
PEPSICO INC COM 713448108 1126 36950 SH SOLE 22850 3800 10300
PEPSICO INC COM 713448108 103 3400 SH DEFINED 1600 1800 0
PFIZER INC COM 717081103 402 11210 SH SOLE 11210 0 0
PFIZER INC COM 717081103 383 10680 SH DEFINED 6000 4680 0
PHELPS DODGE CORP COM 717265102 8 150 SH SOLE 150 0 0
PHILA PA IDA INC BOND SER 1999C DUE 101528 PFD71781M206 17 800 SH DEFINED 0 800 0
PHILADELPHIA SUBN CORP COM PAR $0.50 718009608 84 3574 SH SOLE 2508 1066 0
PHILIP MORRIS COS COM 718154107 479 14025 SH SOLE 10725 2700 600
PHILIP MORRIS COS COM 718154107 119 3500 SH DEFINED 0 3500 0
PHILLIPS PETE CO COM 718507106 78 1602 SH SOLE 1602 0 0
PHILLIPS PETE CO COM 718507106 35 720 SH DEFINED 720 0 0
PHILADELPHIA TRANSP COMPANY 718990054 0 152 SH SOLE 152 0 0
PITNEY BOWES INC COM 724479100 91 1500 SH SOLE 1500 0 0
PITNEY BOWES INC COM 724479100 97 1600 SH DEFINED 400 1200 0
PLUM CREEK TIMBER CO INC COM 729251108 62 2000 SH SOLE 2000 0 0
POTOMAC ELEC PWR CO COM 737679100 20 800 SH SOLE 800 0 0
POTOMAC ELEC PWR CO COM 737679100 12 500 SH DEFINED 500 0 0
PREMIER NATL BANCORP INC COM 74053F107 8 500 SH SOLE 500 0 0
PROCTER & GAMBLE CO COM 742718109 554 5910 SH SOLE 5910 0 0
PROCTER & GAMBLE CO COM 742718109 206 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 230 5975 SH SOLE 5975 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 61 1600 SH DEFINED 900 700 0
RAYTHEON CO CL A 755111309 1 23 SH SOLE 23 0 0
RAYTHEON CO CL A 755111309 6 133 SH DEFINED 45 0 88
RELIANCE BANCORP INC COM 759451107 30 800 SH SOLE 500 0 300
REPSOL SPONS ADR 76026T205 298 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 55 1061 SH SOLE 1061 0 0
ROCKWELL INTL CORP NEW COM 773903109 42 800 SH DEFINED 800 0 0
ROHM & HAAS CO COM 775371107 27 750 SH SOLE 750 0 0
ROHM & HAAS CO COM 775371107 172 4784 SH DEFINED 300 4484 0
REMICO INC 777990052 0 28 SH SOLE 28 0 0
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 76 1300 SH SOLE 500 0 800
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 23 400 SH DEFINED 400 0 0
SBC COMMUNICATIONS COM 78387G103 1020 19981 SH SOLE 9803 178 10000
SBC COMMUNICATIONS COM 78387G103 106 2080 SH DEFINED 400 1680 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
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
SANCHEZ COMPUTER ASSOCS INC COM 799702105 23 680 SH DEFINED 680 0 0
SARA LEE CORP COM 803111103 869 37210 SH SOLE 36410 0 800
SARA LEE CORP COM 803111103 130 5600 SH DEFINED 2400 3200 0
SCHERING PLOUGH CORP COM 806605101 2226 51040 SH SOLE 50240 0 800
SCHERING PLOUGH CORP COM 806605101 460 10550 SH DEFINED 0 10550 0
SCHLUMBERGER LTD COM 806857108 937 15050 SH SOLE 15050 0 0
SCHLUMBERGER LTD COM 806857108 162 2600 SH DEFINED 1000 1600 0
SCHWEITZER-MAUDUIT INC COM 808541106 1 100 SH DEFINED 0 100 0
SEAGRAM LTD COM 811850106 227 5000 SH SOLE 0 0 5000
SEARS ROEBUCK & CO COM 812387108 299 9556 SH SOLE 3808 5500 248
SEARS ROEBUCK & CO COM 812387108 19 620 SH DEFINED 0 620 0
SHERWIN WILLIAMS CO COM 824348106 6 300 SH SOLE 300 0 0
SIGCORP INC COM 826912107 10 399 SH SOLE 399 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 495 8600 SH SOLE 8600 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 46 800 SH DEFINED 0 0 800
SONOCO PRODS CO COM 835495102 107 4734 SH SOLE 4734 0 0
SOUTHERN CO COM 842587107 77 3000 SH SOLE 3000 0 0
SOUTHWEST AIRLS CO COM 844741108 15 1012 SH SOLE 1012 0 0
SPRINT CORP COM FON GROUP 852061100 10 200 SH SOLE 200 0 0
SPRINT CORP COM FON GROUP 852061100 116 2148 SH DEFINED 1348 800 0
SPRINT CORP PCS COM SER 1 852061506 11 150 SH SOLE 150 0 0
SPRINT CORP PCS COM SER 1 852061506 40 537 SH DEFINED 337 200 0
STAPLES INC COM 855030102 9 450 SH SOLE 450 0 0
STAPLES INC COM 855030102 22 1035 SH DEFINED 1035 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE PAIRED CTF85590A203 17 771 SH DEFINED 0 771 0
STEIN MART INC COM 858375108 2 300 SH SOLE 300 0 0
SUMMIT BANCORP 866005101 208 6433 SH SOLE 6298 0 135
SUN MICROSYSTEMS INC COM 866810104 130 1400 SH SOLE 1400 0 0
SUNOCO INC COM 86764P109 35 1305 SH SOLE 1305 0 0
SUNTRUST BKS INC COM 867914103 75 1152 SH SOLE 1152 0 0
SUNTRUST BKS INC COM 867914103 99 1512 SH DEFINED 1512 0 0
SUNSOURCE INC COM 867948101 1 250 SH DEFINED 0 250 0
SUNSOURCE CAP TR PFD TR 11.6% 867949208 7 380 SH DEFINED 0 380 0
SUSQUEHANNA BANCSHARES INC PCOM 869099101 61 3584 SH SOLE 3022 562 0
SYSCO CORP COM 871829107 28 800 SH SOLE 800 0 0
TMT TRAILER FERRY 872000997 0 40 SH SOLE 40 0 0
TECO ENERGY INC COM 872375100 16 800 SH SOLE 800 0 0
TECO ENERGY INC COM 872375100 12 600 SH DEFINED 600 0 0
TELEFONICA S A SPONSORED ADR 879382208 599 12480 SH SOLE 0 0 12480
TELEFONOS DE MEXICO SA SPONSORED ADR 879403780 7 100 SH SOLE 100 0 0
TELLABS INC COM 879664100 11 200 SH SOLE 200 0 0
TELLABS INC COM 879664100 21 382 SH DEFINED 382 0 0
TEMPLETON EMERG MKTS INCOME COM 880192109 9 1000 SH DEFINED 1000 0 0
TEMPLETON GLOBAL INCOME FD ICOM 880198106 19 3000 SH DEFINED 3000 0 0
TENNECO INC NEW COM 88037E101 11 700 SH SOLE 300 0 400
TENNECO INC NEW COM 88037E101 46 2764 SH DEFINED 950 1814 0
TEXACO INC COMMON REINV 88169410R 107 1707 SH DEFINED 1707 0 0
TEXACO INC COM 881694103 84 1336 SH SOLE 1100 236 0
TIME WARNER INC COM 887315109 607 10000 SH SOLE 0 0 10000
TOO INC COM 890333107 1 71 SH SOLE 71 0 0
TRI CONTL CORP COM 895436103 7 256 SH DEFINED 0 256 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TRIAD HOSPITALS INC COM 89579K109 0 15 SH SOLE 15 0 0
TRICON GLOBAL RESTAURANTS COM 895953107 450 11010 SH SOLE 4890 420 5700
TRICON GLOBAL RESTAURANTS COM 895953107 32 800 SH DEFINED 800 0 0
TYCO INTL LTD NEW COM 902124106 70 681 SH SOLE 381 0 300
UGI CORP NEW COM 902681105 11 492 SH SOLE 492 0 0
USX MARATHON GROUP COM NEW 902905827 2 75 SH DEFINED 0 0 75
U S T INC COM 902911106 30 1000 SH SOLE 1000 0 0
USX-U S STL COM 90337T101 0 15 SH DEFINED 0 0 15
UNILEVER PLC SPON ADR NEW 904767704 137 3571 SH SOLE 0 0 3571
UNION CARBIDE CORP COMMON REINV 90558110R 28 507 SH DEFINED 507 0 0
UNION PAC CORP COM 907818108 75 1580 SH SOLE 1580 0 0
UNION PAC CORP COM 907818108 26 559 SH DEFINED 259 300 0
UNION PAC RES GROUP INC COM 907834105 5 338 SH SOLE 338 0 0
UNISYS CORP COM 909214108 45 1000 SH SOLE 1000 0 0
UNITED HEALTHCARE CORP COM 910581107 4 100 SH SOLE 100 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 117 2060 SH SOLE 2019 41 0
UNOCAL CORP COM 915289102 100 2700 SH DEFINED 700 2000 0
USBANCORP INC PA COM 917292104 59 4423 SH SOLE 2623 0 1800
UTILICORP UNITED INC 918005109 9 450 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
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 41 173 SH SOLE 153 20 0
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 23 100 SH DEFINED 100 0 0
VORNADO OPERATING CO COM 92904N103 0 15 SH SOLE 15 0 0
VORNADO RLTY TR SH BEN INT 929042109 9 300 SH SOLE 300 0 0
WSFS FINL CORP COM 929328102 77 5500 SH SOLE 5500 0 0
WACHOVIA CORP COM 929771103 19 250 SH SOLE 250 0 0
WACHOVIA CORP COM 929771103 78 1000 SH DEFINED 1000 0 0
WAL MART STORES INC COM 931142103 548 11525 SH SOLE 11525 0 0
WAL MART STORES INC COM 931142103 136 2875 SH DEFINED 1475 1400 0
WALGREEN CO COM 931422109 12 500 SH SOLE 500 0 0
WARNER LAMBERT CO COM 934488107 33 500 SH SOLE 500 0 0
WARNER LAMBERT CO COM 934488107 92 1400 SH DEFINED 0 1400 0
WASHINGTON FED INC COM 938824109 8 363 SH SOLE 363 0 0
WASHINGTON MUT INC COM 939322103 101 3472 SH SOLE 3472 0 0
WASHINGTON MUT INC COM 939322103 51 1761 SH DEFINED 1761 0 0
WASTE MANAGEMENT INC NEW 94106L109 2 145 SH DEFINED 0 0 145
WELLS FARGO & CO NEW COM 949746101 108 2750 SH SOLE 2750 0 0
WELLS FARGO & CO NEW COM 949746101 110 2780 SH DEFINED 1050 1730 0
W C HOMES INC 950990044 0 245 SH SOLE 245 0 0
WESTERN RES INC COM 959425109 25 1200 SH DEFINED 1200 0 0
WESTVACO CORP COM 961548104 31 1243 SH DEFINED 0 1243 0
WEYCO GROUP INC COM 962149100 9 444 SH DEFINED 0 444 0
WEYERHAEUSER CO COM 962166104 22 384 SH DEFINED 384 0 0
WHIRLPOOL CORP COM 963320106 6 100 SH SOLE 100 0 0
WILMINGTON TRUST CORP COM 971807102 36 750 SH SOLE 750 0 0
WISCONSIN ENERGY CORP COM 976657106 11 500 SH SOLE 500 0 0
WOLVERINE WORLD WIDE INC 978097103 5 505 SH SOLE 505 0 0
100% CAPITAL STOCK-WOODS OF BRADFORD, INC 979004991 0 1 SH DEFINED 0 1 0
XEROX CORP COM 984121103 12 300 SH SOLE 300 0 0
XEROX CORP COM 984121103 58 1400 SH DEFINED 800 600 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
YAHOO INC COM 984332106 23 130 SH SOLE 130 0 0
YORK INTL CORP NEW COM 986670107 3 100 SH DEFINED 100 0 0
ZWEIG FD COM 989834106 10 1000 SH DEFINED 0 1000 0
GRAND TOTALS 115866 2150022 1628231 279432 242359
</TABLE>
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