UNITED STATES SECURITIES & EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 13F
FORM 13 F COVER PAGE
REPORT FOR THE CALENDAR YEAR END OR QUARTER ENDED: December 31, 1999
CHECK HERE IF AMENDMENT [ ]; AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY 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
13F FILE NUMBER:
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE PERSON
BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON SIGNING THIS REPORT
IS AUTHORIZED TO SUBMIT IT, THAT ALL INFORMATION CONTAINED HEREIN IS TRUE,
CORRECT AND COMPLETE, AND THAT IT IS UNDERSTODD 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: VICE-PRESIDENT, TRUST OPERATIONS
PHONE: 610-692-1451
SIGNATURE, PLACE, AND DATE OF SIGNING:
CAROL LINDSEY WEST CHESTER, PENNSYLVANIA JANUARY 18, 2000
REPORT TYPE (CHECK ONLY ONE):
[X] 13F HOLDINGS REPORT
[ ] 13F NOTICE
[ ] 13F CONFIRMATION 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> <C> <C> <C> <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 426 5462 SH SOLE 462 0 5000
XOMA LTD ORD G9825R107 0 100 SH SOLE 100 0 0
AMF INC RIGHTS 001005990 0 200 SH SOLE 200 0 0
AGL RES INC COM 001204106 35 2100 SH SOLE 2100 0 0
A T & T CORP COMMON REINV 00195710R 31 622 SH DEFINED 622 0 0
AT&T CORP COM 001957109 1221 24040 SH SOLE 23403 187 450
AT&T CORP COM 001957109 397 7817 SH DEFINED 3415 3802 600
AXA FINL INC COM 002451102 6 200 SH DEFINED 200 0 0
ABBOTT LABS COM 002824100 791 21810 SH SOLE 21210 600 0
ABBOTT LABS COM 002824100 343 9470 SH DEFINED 8570 900 0
ADAMS EXPRESS CO COM 006212104 95 2843 SH SOLE 2843 0 0
AEGON N V ORD AMER REG 007924103 153 1612 SH SOLE 1612 0 0
AIR PRODS & CHEMS INC COM 009158106 100 3000 SH SOLE 3000 0 0
AIR PRODS & CHEMS INC COM 009158106 13 400 SH DEFINED 0 400 0
ALBERTSONS INC COM 013104104 134 4158 SH SOLE 4158 0 0
ALBERTSONS INC COM 013104104 64 2000 SH DEFINED 1200 800 0
ALCOA INC COM 013817101 33 400 SH SOLE 400 0 0
ALLEGHENY ENERGY INC COM 017361106 26 1000 SH SOLE 1000 0 0
ALLERGAN INC COM 018490102 39 800 SH SOLE 800 0 0
ALLIANT CORP COM 018802108 20 750 SH SOLE 750 0 0
ALLIANT CORP COM 018802108 12 456 SH DEFINED 0 456 0
ALLIED CAP CORP NEW COM 01903Q108 12 700 SH SOLE 700 0 0
ALLSTATE CORP COMMON REINV 02000210R 11 474 SH DEFINED 474 0 0
ALLSTATE CORP COM 020002101 179 7442 SH SOLE 7442 0 0
ALLSTATE CORP COM 020002101 330 13734 SH DEFINED 388 13346 0
ALLSTATE CORP QUIBS SR 2097 020002200 12 600 SH DEFINED 600 0 0
ALLTEL CORP COM 020039103 115 1400 SH SOLE 1400 0 0
ALLTEL CORP COM 020039103 49 598 SH DEFINED 0 598 0
AMAZON COM INC COM 023135106 30 400 SH SOLE 400 0 0
AMEREN CORP COM 023608102 1 50 SH SOLE 50 0 0
AMERICA ONLINE INC DEL COM 02364J104 48 640 SH SOLE 640 0 0
AMERICAN ELEC PWR INC COM 025537101 150 4700 SH SOLE 4700 0 0
AMERICAN ELEC PWR INC COM 025537101 29 930 SH DEFINED 500 430 0
AMERICAN EXPRESS CO COM 025816109 80 484 SH SOLE 484 0 0
AMERICAN EXPRESS CO COM 025816109 66 400 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 275 3632 SH SOLE 3632 0 0
AMERICAN GENERAL CORP COM 026351106 78 1030 SH DEFINED 1030 0 0
AMERICAN HOME PRODS CORP COM 026609107 4786 121947 SH SOLE 121947 0 0
AMERICAN HOME PRODS CORP COM 026609107 1787 45550 SH DEFINED 39650 5900 0
AMERICAN HOME PRODS CORP PFD CV $2 026609206 67 48 SH SOLE 48 0 0
AMERICAN INTL GROUP INC COM 026874107 133 1236 SH SOLE 1236 0 0
AMERICAN INTL GROUP INC COM 026874107 101 937 SH DEFINED 187 750 0
AMERIGAS PARTNERS L P UNIT L P INT 030975106 6 450 SH SOLE 450 0 0
AMGEN INC COM 031162100 120 2000 SH SOLE 2000 0 0
AMKOR TECHNOLOGY INC COM 031652100 56 2000 SH SOLE 0 0 2000
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
AMSOUTH BANCORPORATION COM 032165102 46 2432 SH SOLE 2432 0 0
ANGELES CORP RESTR COMMON 034624999 1 1326 SH SOLE 1326 0 0
APPLIED MATLS INC COM 038222105 126 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
AT HOME CORP COM SER A 045919107 1 45 SH SOLE 45 0 0
ASSOCIATES FIRST CAP CORP CL A 046008108 47 1714 SH SOLE 1714 0 0
ASSOCIATES FIRST CAP CORP CL A 046008108 7 291 SH DEFINED 0 291 0
ASTORIA FINL CORP COM 046265104 60 1975 SH SOLE 1860 0 115
ATLANTIC RICHFIELD CO COM 048825103 794 9188 SH SOLE 8788 400 0
ATLANTIC RICHFIELD CO COM 048825103 313 3625 SH DEFINED 1125 2300 200
AUTOLIV INC COM 052800109 96 3314 SH SOLE 3314 0 0
AUTOMATIC DATA PROCESSING INCOM 053015103 1052 19543 SH SOLE 18843 700 0
AUTOMATIC DATA PROCESSING INCOM 053015103 257 4775 SH DEFINED 3475 1300 0
AVISTA CORP COM 05379B107 3 200 SH SOLE 200 0 0
AVNET INC COM 053807103 12 200 SH SOLE 200 0 0
100% CAPITAL STOCK-AUTUMN VIEW, INC 054000997 0 1 SH DEFINED 0 1 0
BB&T CORP COM 054937107 43 1600 SH SOLE 1600 0 0
BB&T CORP COM 054937107 52 1932 SH DEFINED 0 1932 0
BFGOODRICH CAP QUIPS A 8.30% 05538W208 8 400 SH DEFINED 400 0 0
BP AMOCO P L C SPONSORED ADR 055622104 258 4358 SH SOLE 4358 0 0
BP AMOCO P L C SPONSORED ADR 055622104 109 1848 SH DEFINED 1056 792 0
BMC SOFTWARE INC COM 055921100 55 700 SH SOLE 700 0 0
BANK OF AMERICA CORPORATION COM 060505104 299 5960 SH SOLE 5960 0 0
BANK OF AMERICA CORPORATION COM 060505104 20 400 SH DEFINED 200 200 0
BANK BLDG & EQUIP AM 060815107 0 500 SH SOLE 0 500 0
BANK OF NEW YORK CO INC 064057102 8 200 SH SOLE 200 0 0
BANK OF NEW YORK CO INC 064057102 64 1600 SH DEFINED 1600 0 0
BANK ONE CORP COM 06423A103 185 5797 SH SOLE 5497 0 300
BANK ONE CORP COM 06423A103 72 2274 SH DEFINED 530 1744 0
BARCLAYS PLC ADR 06738E204 23 200 SH SOLE 200 0 0
BARRICK GOLD CORP COM 067901108 11 655 SH SOLE 655 0 0
BAUSCH & LOMB INC COM 071707103 13 200 SH SOLE 200 0 0
BAXTER INTL INC COM 071813109 18 300 SH SOLE 0 0 300
BAXTER INTL INC COM 071813109 12 200 SH DEFINED 200 0 0
BECKMAN COULTER INC COM 075811109 7 146 SH SOLE 146 0 0
BELL ATLANTIC CORP COM 077853109 3482 56569 SH SOLE 44369 1720 10480
BELL ATLANTIC CORP COM 077853109 1024 16641 SH DEFINED 7761 7280 1600
BELLSOUTH CORP COMMON REINV 07986010R 133 2846 SH DEFINED 2846 0 0
BELLSOUTH CORP COM 079860102 951 20334 SH SOLE 10334 0 10000
BELLSOUTH CORP COM 079860102 166 3553 SH DEFINED 2325 628 600
BESTFOODS COM 08658U101 105 2000 SH SOLE 2000 0 0
BESTFOODS COM 08658U101 168 3200 SH DEFINED 200 3000 0
BETHLEHEM STL CORP COM 087509105 9 1179 SH DEFINED 1179 0 0
BIOGEN INC COM 090597105 25 300 SH SOLE 300 0 0
BLACK & DECKER CORP 091797100 104 2000 SH SOLE 2000 0 0
BLACK HILLS CORP COM 092113109 19 900 SH SOLE 900 0 0
BLACKROCK NORTH AMERN GOVT INC TR 092475102 9 1000 SH DEFINED 0 1000 0
BLACKROCK 2001 TERM TR 092477108 10 1200 SH DEFINED 0 1200 0
BOEING CO COM 097023105 365 8824 SH SOLE 8824 0 0
BOEING CO COM 097023105 270 6524 SH DEFINED 3024 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
BRIDGE BANCORP INC COM 108035106 9 500 SH DEFINED 0 500 0
BRISTOL MYERS SQUIBB CO COM 110122108 1639 25541 SH SOLE 25541 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 237 3700 SH DEFINED 400 3300 0
BRITISH AIRWAYS 110419108 0 100 SH DEFINED 0 100 0
BRITISH TELECOMMUNICATIONS PADR FINAL INST 111021408 1190 5000 SH SOLE 0 0 5000
BRYN MAWR BK CORP COM 117665109 66 2800 SH DEFINED 2800 0 0
BURLINGTON NORTHN SANTA FE CCOM 12189T104 29 1200 SH SOLE 1200 0 0
CCB FINL CORP COM 124875105 38 888 SH SOLE 800 0 88
CBS CORP COM 12490K107 12 200 SH SOLE 0 0 200
CIGNA CORP COM 125509109 150 1864 SH SOLE 1864 0 0
CSX CORP COM 126408103 42 1350 SH SOLE 1350 0 0
CSX CORP COM 126408103 62 1990 SH DEFINED 1590 400 0
CAMBRIDGE TECH PARTNERS MASSCOM 132524109 7 300 SH DEFINED 300 0 0
CAMPBELL SOUP CO COM 134429109 52 1350 SH SOLE 1350 0 0
CAMPBELL SOUP CO COM 134429109 112 2900 SH DEFINED 2100 800 0
CAPITAL INDS INC 140215104 0 12 SH SOLE 12 0 0
CAPITAL ONE FINL CORP COM 14040H105 7 150 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 38 800 SH SOLE 800 0 0
CAROLINA PWR & LT CO COM 144141108 30 990 SH SOLE 990 0 0
CARPENTER TECHNOLOGY CORP 144285103 32 1200 SH SOLE 1200 0 0
CARPENTER TECHNOLOGY CORP 144285103 21 800 SH DEFINED 0 800 0
CATERPILLAR INC DEL COM 149123101 18 400 SH DEFINED 0 400 0
CENDANT CORP COM 151313103 25 961 SH SOLE 961 0 0
CENDANT CORP COM 151313103 25 960 SH DEFINED 960 0 0
CENTRAL & SOUTH WEST CORP COM 152357109 18 900 SH SOLE 900 0 0
CHARTER ONE FINL INC COM 160903100 79 4184 SH SOLE 3704 0 480
CHARTER ONE FINL INC COM 160903100 39 2041 SH DEFINED 2041 0 0
CHASE CAP V CAP SEC E7.03% 161479209 20 1000 SH DEFINED 1000 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 77 1002 SH SOLE 1002 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 22 290 SH DEFINED 0 0 290
CHATWOOD WATER COMPANY 162000996 0 20 SH SOLE 20 0 0
CHEMED CORP 163596109 14 500 SH SOLE 500 0 0
CHESTER VALLEY BANCORP COM 166335109 98 6285 SH SOLE 4492 0 1793
CHEVRON CORPORATION COM 166751107 64 750 SH SOLE 750 0 0
CHEVRON CORPORATION COM 166751107 95 1100 SH DEFINED 0 1100 0
CHROMAVISION MED SYS INC COM 17111P104 9 640 SH DEFINED 640 0 0
CIRCUIT CITY STORE INC CIRCT CITY GRP 172737108 81 1800 SH SOLE 1800 0 0
CISCO SYS INC COM 17275R102 656 6124 SH SOLE 6124 0 0
CITIGROUP INC COM 172967101 198 3562 SH SOLE 3562 0 0
CITIGROUP INC COM 172967101 166 2987 SH DEFINED 1293 1694 0
CITICORP CAP III TRUPS 7.10% 17303U200 10 500 SH DEFINED 500 0 0
CITIZENS BKG CORP MICH COM 174420109 10 450 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 1 950 SH SOLE 950 0 0
COAST FED LITIGATION CONTINGENT PMT RTS 19034Q110 1 1300 SH DEFINED 1300 0 0
COCA COLA CO COM 191216100 1232 21162 SH SOLE 10362 800 10000
COCA COLA CO COM 191216100 457 7855 SH DEFINED 4655 2400 800
COCA-COLA FEMSA SA DE CV SPONSORED ADR 191241108 5 300 SH SOLE 300 0 0
COLGATE PALMOLIVE CO COM 194162103 241 3712 SH SOLE 2912 0 800
COLGATE PALMOLIVE CO COM 194162103 312 4800 SH DEFINED 600 4200 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
COLUMBIA/HCA HEALTHCARE CORPCOM 197677107 8 300 SH SOLE 300 0 0
CHACE CANDLECRAFT CORP CLASS A 200990042 0 50 SH SOLE 50 0 0
COMMERCIAL FEDERAL CORPORATICOM 201647104 35 2000 SH SOLE 2000 0 0
COMMONWEALTH BANCORP INC COM 20268X102 8 500 SH SOLE 500 0 0
COMPAQ COMPUTER CORP COM 204493100 170 6300 SH SOLE 6300 0 0
COMPAQ COMPUTER CORP COM 204493100 13 500 SH DEFINED 0 500 0
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 43 300 SH SOLE 300 0 0
CONAGRA INC COM 205887102 124 5500 SH SOLE 5500 0 0
CONAGRA INC COM 205887102 4 200 SH DEFINED 0 200 0
CONECTIV INC COM 206829103 80 4760 SH SOLE 4760 0 0
CONECTIV INC COM 206829103 15 950 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
CONOCO INC CL B REINVEST 20825140R 10 433 SH DEFINED 433 0 0
CONOCO INC CL B 208251405 14 600 SH SOLE 600 0 0
COSMOPOLITAN INVESTORS FUNDING CO COMMON 209001999 0 500 SH SOLE 500 0 0
CONSOLIDATED EDISON INC COM 209115104 24 720 SH SOLE 720 0 0
CONSOLIDATED NAT GAS CO COM 209615103 196 3020 SH SOLE 3020 0 0
CONSOLIDATED NAT GAS CO COM 209615103 19 300 SH DEFINED 0 300 0
CONSTELLATION ENERGY CORP COM 210371100 29 1000 SH SOLE 1000 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 INC COM 218412104 85 2592 SH SOLE 2592 0 0
CORN PRODS INTL INC COM 219023108 4 125 SH SOLE 125 0 0
CORN PRODS INTL INC COM 219023108 7 225 SH DEFINED 0 225 0
CORNING INC COM 219350105 198 1541 SH SOLE 1541 0 0
CORNING INC COM 219350105 12 100 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 15 500 SH SOLE 500 0 0
DAYTON HUDSON CORP COM 239753106 183 2500 SH SOLE 2500 0 0
DAYTON HUDSON CORP COM 239753106 154 2100 SH DEFINED 900 1200 0
DEERE & CO COM 244199105 13 300 SH SOLE 300 0 0
DELL COMPUTER CORP COM 247025109 91 1800 SH SOLE 1800 0 0
DELPHI AUTOMOTIVE SYS CORP COM 247126105 58 3698 SH SOLE 3475 85 138
DELPHI AUTOMOTIVE SYS CORP COM 247126105 48 3074 SH DEFINED 794 1721 559
DELUXE CORP COM 248019101 24 900 SH DEFINED 900 0 0
DENDRITE INTL INC COM 248239105 25 750 SH SOLE 750 0 0
DIAMOND TECHNOLOGY PARTNERS CL A 252762109 41 480 SH DEFINED 480 0 0
DIEBOLD INC COM 253651103 10 450 SH SOLE 450 0 0
DISNEY WALT CO COM DISNEY 254687106 465 15900 SH SOLE 5900 0 10000
DOMINION RES INC VA COM 257470104 22 580 SH SOLE 580 0 0
DOMINION RES INC VA COM 257470104 17 450 SH DEFINED 0 0 450
DOVER CORP COM 260003108 18 400 SH SOLE 400 0 0
DOW CHEM CO COM 260543103 1021 7646 SH SOLE 2496 0 5150
DOW CHEM CO COM 260543103 148 1113 SH DEFINED 688 425 0
E I DU PONT DE NEMOURS COMMON REINV 26353410R 37 571 SH DEFINED 571 0 0
DU PONT E I DE NEMOURS 263534109 3682 55909 SH SOLE 45339 270 10300
DU PONT E I DE NEMOURS 263534109 1382 20989 SH DEFINED 7035 13954 0
DUKE ENERGY CAP TR II TRUPS 7.20% 26439G209 10 500 SH DEFINED 500 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
DUKE ENERGY CORP COM 264399106 41 825 SH SOLE 825 0 0
DUKE ENERGY CORP COM 264399106 57 1151 SH DEFINED 1151 0 0
EDF LONDON CAP L P QUIPS A 8.625% 268316205 2 100 SH SOLE 100 0 0
E M C CORP MASS COM 268648102 327 3000 SH SOLE 1000 0 2000
EASTMAN KODAK CO COM 277461109 89 1350 SH SOLE 650 700 0
ECHELON INTL CORP COM 278747100 0 15 SH DEFINED 0 0 15
EDISON INTL 281020107 15 600 SH SOLE 600 0 0
EDO CORP COM 281347104 0 100 SH SOLE 100 0 0
EL PASO ENERGY PARTNERS L P COM 28368B102 7 400 SH SOLE 400 0 0
EL PASO ENERGY CORP DEL COM 283905107 12 312 SH SOLE 312 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 128 1920 SH SOLE 1220 0 700
BOLMAR CORP 289990046 249 35 SH SOLE 35 0 0
EMERSON ELEC CO COM 291011104 704 12282 SH SOLE 11982 0 300
EMERSON ELEC CO COM 291011104 43 750 SH DEFINED 350 400 0
ENDESA S A SPONSORED ADR 29258N107 16 800 SH SOLE 0 0 800
ENERGY EAST CORP COM 29266M109 16 800 SH SOLE 800 0 0
ENRON CORP COM 293561106 26 600 SH SOLE 600 0 0
ENTERGY CORP NEW COM 29364G103 32 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 14 1000 SH DEFINED 1000 0 0
EXXON MOBIL CORP COM 30231G102 3915 48609 SH SOLE 48081 528 0
EXXON MOBIL CORP COM 30231G102 1145 14224 SH DEFINED 3732 8620 1872
FPL GROUP INC COM 302571104 98 2300 SH SOLE 2300 0 0
FPL GROUP INC COM 302571104 59 1400 SH DEFINED 800 600 0
FDX CORP COM 31304N107 16 400 SH SOLE 400 0 0
FEDERAL NATL MTG ASSN COM 313586109 664 10650 SH SOLE 10400 0 250
FEDERAL NATL MTG ASSN COM 313586109 79 1275 SH DEFINED 675 600 0
FIRST DATA CORP COM 319963104 24 500 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 1067 32410 SH SOLE 28660 3750 0
FIRST UN CORP COM 337358105 1802 54737 SH DEFINED 42098 8969 3670
FIRSTAR CORP NEW WIS COM 33763V109 81 3859 SH SOLE 3859 0 0
FLEETBOSTON FINL CORP COM 339030108 178 5131 SH SOLE 4631 0 500
FLEETBOSTON FINL CORP COM 339030108 13 400 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 94 5925 SH SOLE 5925 0 0
FORD MTR CO CAP TR I TOPRS 9% 345343206 12 500 SH DEFINED 500 0 0
FORD MTR CO DEL COM 345370100 430 8084 SH SOLE 7584 0 500
FORD MTR CO DEL COM 345370100 77 1458 SH DEFINED 1458 0 0
FORD MTR CO DEL PFD B 1/2000SH 345370407 13 500 SH DEFINED 500 0 0
FORTUNE BRANDS INC COM 349631101 221 6686 SH SOLE 6686 0 0
FORTUNE BRANDS INC COM 349631101 64 1950 SH DEFINED 1950 0 0
FOX ENTMT GROUP INC CL A 35138T107 124 5000 SH SOLE 0 0 5000
FULTON FINANCIAL CORP 360271100 14 829 SH SOLE 829 0 0
FULTON FINANCIAL CORP 360271100 66 3706 SH DEFINED 3470 236 0
GTE CORP COM 362320103 914 12957 SH SOLE 7457 500 5000
GTE CORP COM 362320103 109 1550 SH DEFINED 750 800 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GALLAHER GROUP PLC SPONSORED ADR 363595109 92 5986 SH SOLE 5986 0 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 3 200 SH DEFINED 200 0 0
GANNETT INC COM 364730101 519 6375 SH SOLE 5775 400 200
GANNETT INC COM 364730101 85 1050 SH DEFINED 1050 0 0
GATEWAY INC COM 367626108 14 200 SH SOLE 200 0 0
GENERAL ELEC CO COM 369604103 20326 131349 SH SOLE 122299 900 8150
GENERAL ELEC CO COM 369604103 2510 16220 SH DEFINED 3020 13200 0
GENERAL MLS INC COM 370334104 80 2260 SH SOLE 2260 0 0
GENERAL MLS INC COM 370334104 14 400 SH DEFINED 400 0 0
GENERAL MTRS CORP COM 370442105 754 10381 SH SOLE 10061 122 198
GENERAL MTRS CORP COM 370442105 356 4904 SH DEFINED 1634 2470 800
GENERAL MTRS CORP PREF G DEP1/4S 370442790 5 200 SH SOLE 200 0 0
GENERAL MTRS CORP CL H NEW 370442832 6 66 SH DEFINED 0 0 66
GENUINE PARTS CO COM 372460105 79 3187 SH DEFINED 1462 1725 0
GEORGIA PAC CORP COM GA PAC GRP 373298108 40 800 SH DEFINED 0 800 0
GEORGIA PAC CORP COM-TIMBER GRP 373298702 9 400 SH DEFINED 0 400 0
GILLETTE CO COM 375766102 82 2000 SH SOLE 2000 0 0
GILLETTE CO COM 375766102 20 500 SH DEFINED 500 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 33 600 SH SOLE 100 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 4 300 SH DEFINED 300 0 0
GOLDEN ST BANCORP INC COM 381197102 41 2395 SH SOLE 2250 0 145
GOLDEN ST BANCORP INC COM 381197102 25 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 13 500 SH SOLE 500 0 0
GOODYEAR TIRE & RUBBER CO 382550101 5 200 SH SOLE 200 0 0
GRANT STR NATL BANK - LIQ COMMON 388216103 0 186 SH DEFINED 186 0 0
GREEN MTN COFFEE INC COM 393122106 31 4000 SH SOLE 4000 0 0
GREENPOINT FINL CORP COM 395384100 20 850 SH SOLE 850 0 0
HALLIBURTON CO COM 406216101 26 650 SH SOLE 650 0 0
HARBOR FLA BANCSHARES INC COM 411901101 23 1802 SH SOLE 1802 0 0
HARLEYSVILLE NATL CORP PA COM 412850109 150 4639 SH SOLE 4639 0 0
HARRIS CORP DEL COM 413875105 0 20 SH SOLE 20 0 0
HARSCO CORP COM 415864107 6 200 SH SOLE 200 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 14 300 SH SOLE 300 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 47 1000 SH DEFINED 0 1000 0
HEINZ H J CO COM 423074103 469 11800 SH SOLE 10900 900 0
HEINZ H J CO COM 423074103 171 4300 SH DEFINED 1225 3075 0
HERCULES INC COM 427056106 11 400 SH SOLE 400 0 0
HERSHEY FOODS CORP COM 427866108 84 1775 SH SOLE 1275 400 100
HEWLETT PACKARD CO COM 428236103 2404 21138 SH SOLE 18738 400 2000
HEWLETT PACKARD CO COM 428236103 238 2100 SH DEFINED 1100 1000 0
HOME DEPOT INC COM 437076102 781 11370 SH SOLE 11370 0 0
HOME DEPOT INC COM 437076102 92 1350 SH DEFINED 150 1200 0
HONEYWELL INTL INC COM 438516106 38 660 SH SOLE 660 0 0
HOUSEHOLD INTL INC COM 441815107 33 900 SH SOLE 900 0 0
HSBC BK PLC SP ADR UNIT D 44328M849 2 100 SH SOLE 100 0 0
HUBBELL INC CL B 443510201 25 925 SH DEFINED 925 0 0
HUDSON UNITED BANCORP COM 444165104 62 2442 SH SOLE 2331 0 111
HUDSON UNITED BANCORP COM 444165104 22 873 SH DEFINED 873 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ITT INDS INC COMMON REINV 45091110R 10 306 SH DEFINED 306 0 0
ITT INDS INC IND COM 450911102 5 150 SH SOLE 150 0 0
ITT INDS INC IND COM 450911102 16 500 SH DEFINED 0 500 0
ILLINOIS TOOL WKS INC COM 452308109 141 2100 SH SOLE 2100 0 0
IMPERIAL OIL LTD COM NEW 453038408 3 180 SH DEFINED 0 180 0
INGERSOLL-RAND CO COM 456866102 41 750 SH SOLE 0 750 0
INGERSOLL-RAND CO COM 456866102 66 1200 SH DEFINED 0 1200 0
INTEL CORP COM 458140100 1392 16920 SH SOLE 13120 0 3800
INTEL CORP COM 458140100 243 2960 SH DEFINED 2700 260 0
INTERNATIONAL BUSINESS MACHSCOM 459200101 761 7064 SH SOLE 6104 560 400
INTERNATIONAL BUSINESS MACHSCOM 459200101 302 2800 SH DEFINED 800 2000 0
GLOBE AIRCRAFT CORP 459990040 0 25 SH SOLE 25 0 0
IOMEGA CORP COM 462030107 0 100 SH SOLE 100 0 0
IPALCO ENTERPRISES INC COM 462613100 25 1500 SH SOLE 1500 0 0
JEFFBANKS INC 472317106 0 24 SH DEFINED 24 0 0
JOHNSON & JOHNSON COM 478160104 2014 21600 SH SOLE 18250 350 3000
JOHNSON & JOHNSON COM 478160104 641 6875 SH DEFINED 6075 800 0
KELLOGG CO COM 487836108 12 400 SH SOLE 400 0 0
KEYSTONE FINANCIAL INC COM 493482103 3 150 SH SOLE 150 0 0
KIMBERLY CLARK CORP COM 494368103 684 10456 SH SOLE 10456 0 0
KIMBERLY CLARK CORP COM 494368103 317 4851 SH DEFINED 2251 2600 0
KROGER CO COM 501044101 75 4014 SH SOLE 4014 0 0
LAKEHEAD PIPE LINE PARTNERS COM UNIT-CL A 511557100 24 700 SH DEFINED 700 0 0
LANIER WORLDWIDE INC COM 51589L105 0 20 SH SOLE 20 0 0
LILLY ELI & CO COM 532457108 672 10115 SH SOLE 10115 0 0
LILLY ELI & CO COM 532457108 179 2700 SH DEFINED 1700 1000 0
THE LIMITED INC 532716107 21 500 SH SOLE 500 0 0
LIZ CLAIBORNE INC COM 539320101 3 100 SH DEFINED 0 0 100
LOCKHEED MARTIN CORP COM 539830109 8 400 SH SOLE 400 0 0
LOWES COS INC COM 548661107 140 2350 SH SOLE 2050 0 300
LUBRIZOL CORP COM 549271104 15 500 SH DEFINED 0 500 0
LUCENT TECHNOLOGIES INC COMMON REINV 54946310R 41 554 SH DEFINED 554 0 0
LUCENT TECHNOLOGIES INC COM 549463107 2174 28996 SH SOLE 13996 0 15000
LUCENT TECHNOLOGIES INC COM 549463107 618 8244 SH DEFINED 3716 4012 516
MBIA INC COM 55262C100 10 200 SH SOLE 200 0 0
MCI WORLDCOM INC COM 55268B106 183 3450 SH SOLE 3450 0 0
MCI WORLDCOM INC COM 55268B106 33 637 SH DEFINED 187 450 0
MARSH & MCLENNAN COS INC COM 571748102 192 2010 SH SOLE 2010 0 0
MARRIOTT INTL INC NEW CL A 571903202 25 800 SH SOLE 800 0 0
MAXIM INTEGRATED PRODS INC COM 57772K101 2 50 SH SOLE 50 0 0
MAY DEPT STORES CO COM 577778103 295 9162 SH SOLE 8712 0 450
MAY DEPT STORES CO COM 577778103 14 450 SH DEFINED 0 450 0
MAYTAG CORP COM 578592107 28 600 SH SOLE 600 0 0
MCCORMICK & CO INC COM NON VTG 579780206 26 900 SH SOLE 900 0 0
MCDONALDS CORP COM 580135101 526 13050 SH SOLE 13050 0 0
MCDONALDS CORP COM 580135101 36 900 SH DEFINED 0 900 0
MCGRAW HILL COMPANIES INC 580645109 187 3040 SH SOLE 3040 0 0
MCGRAW HILL COMPANIES INC 580645109 55 900 SH DEFINED 300 600 0
MEDALLION FINL CORP COM 583928106 8 500 SH SOLE 500 0 0
MEDFORD BANCORP INC COM 584131106 3 200 SH SOLE 0 0 200
MEDIAONE GROUP INC COM 58440J104 38 501 SH SOLE 501 0 0
MEDIAONE GROUP INC COM 58440J104 18 240 SH DEFINED 200 40 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MEDIMMUNE INC COM 584699102 33 200 SH SOLE 200 0 0
MEDIMMUNE INC COM 584699102 0 1 SH DEFINED 1 0 0
MEDTRONIC INC COM 585055106 229 6300 SH SOLE 6300 0 0
MEDTRONIC INC COM 585055106 29 800 SH DEFINED 800 0 0
MELLON FINL CORP COM 58551A108 47 1400 SH SOLE 1400 0 0
MELLON FINL CORP COM 58551A108 38 1116 SH DEFINED 1116 0 0
MUTUAL RESOURCES INC 587990045 7 1000 SH SOLE 0 0 1000
MERCK & CO INC COM 589331107 3737 55638 SH SOLE 45354 84 10200
MERCK & CO INC COM 589331107 955 14220 SH DEFINED 7220 7000 0
MERITOR AUTOMOTIVE INC COM 59000G100 6 346 SH SOLE 346 0 0
MERRILL LYNCH & CO 590188108 66 800 SH SOLE 800 0 0
MICROSOFT CORP COM 594918104 1052 9015 SH SOLE 7015 0 2000
MICROSOFT CORP COM 594918104 105 900 SH DEFINED 0 900 0
MINNESOTA MNG & MFG CO COM 604059105 723 7395 SH SOLE 2395 0 5000
MINNESOTA MNG & MFG CO COM 604059105 134 1375 SH DEFINED 875 500 0
MOBIL CORP COM 607059102 21 210 SH DEFINED 0 210 0
MONTANA POWER CO COM 612085100 43 1200 SH SOLE 1200 0 0
MORGAN J P & CO INC COM 616880100 163 1288 SH SOLE 1088 200 0
MORGAN J P & CO INC COM 616880100 12 100 SH DEFINED 0 100 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 236 1654 SH SOLE 1654 0 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 670 4700 SH DEFINED 0 4700 0
MOTOROLA CAP TR I TOPRS 6.68% 620074203 15 800 SH DEFINED 0 800 0
MOTOROLA INC COM 620076109 1046 7110 SH SOLE 7110 0 0
MOTOROLA INC COM 620076109 176 1200 SH DEFINED 500 400 300
NCR CORP NEW COM 62886E108 0 12 SH SOLE 12 0 0
NCR CORP NEW COM 62886E108 0 18 SH DEFINED 0 0 18
NPB CAP TR TR PFD SECS 629359209 45 1900 SH DEFINED 1900 0 0
NABISCO GROUP HLDG CORP COM 62952P102 0 16 SH SOLE 16 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 23 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 5 180 SH DEFINED 180 0 0
NEW ENGLAND ELEC SYS COM 644001109 10 200 SH SOLE 200 0 0
NEW JERSEY RES COM 646025106 44 1150 SH SOLE 1150 0 0
NEWPORT NEWS SHIPBUILDING INCOM 652228107 9 341 SH SOLE 341 0 0
NISOURCE INC COM 65473P105 40 2250 SH SOLE 2250 0 0
NISOURCE INC COM 65473P105 12 700 SH DEFINED 0 700 0
NOKIA CORP SPONSORED ADR 654902204 286 1500 SH SOLE 1500 0 0
NORFOLK SOUTHERN CORP COM 655844108 116 5700 SH SOLE 5700 0 0
NORFOLK SOUTHERN CORP COM 655844108 30 1510 SH DEFINED 910 600 0
NORTH FORK BANCORPORATION NYCOM 659424105 51 2975 SH SOLE 2975 0 0
NURSECARE HEALTH CTR 670576305 0 20 SH SOLE 20 0 0
OGDEN CORP COM 676346109 23 2000 SH SOLE 2000 0 0
OMNICOM GROUP INC COM 681919106 120 1200 SH DEFINED 0 1200 0
ORACLE CORP COM 68389X105 240 2150 SH SOLE 2150 0 0
PECO ENERGY CO COM 693304107 91 2623 SH SOLE 2623 0 0
PECO ENERGY CO COM 693304107 39 1146 SH DEFINED 0 1146 0
PECO ENERGY CO PFD 4.30 693304305 52 830 SH SOLE 830 0 0
PECO ENERGY CO PFD 4.40 693304404 8 150 SH SOLE 150 0 0
PNC BANK CORP 693475105 287 6456 SH SOLE 6276 0 180
PNC BANK CORP 693475105 238 5361 SH DEFINED 5361 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
P P & L RESOURCES INC 693499105 413 18075 SH SOLE 17639 236 200
P P & L RESOURCES INC 693499105 167 7316 SH DEFINED 3112 3204 1000
PPG INDS INC COM 693506107 568 9084 SH SOLE 7884 1200 0
PPG INDS INC COM 693506107 235 3772 SH DEFINED 360 3412 0
PACTIV CORP COM 695257105 3 300 SH SOLE 300 0 0
PACTIV CORP COM 695257105 30 2864 SH DEFINED 950 1914 0
PAYLESS SHOESOURCE INC COM 704379106 15 336 SH SOLE 336 0 0
PENELEC CAP TR TOPRS 7.34% 706871209 10 500 SH DEFINED 500 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 2 300 SH DEFINED 300 0 0
PEPSICO INC COM 713448108 1256 35650 SH SOLE 21550 3800 10300
PEPSICO INC COM 713448108 128 3650 SH DEFINED 1850 1800 0
PFIZER INC COM 717081103 400 12350 SH SOLE 12350 0 0
PFIZER INC COM 717081103 354 10930 SH DEFINED 6250 4680 0
PHELPS DODGE CORP COM 717265102 10 150 SH SOLE 150 0 0
PHILA PA IDA INC BOND SER 1999C DUE 101528 PFD71781M206 16 800 SH DEFINED 0 800 0
PHILADELPHIA SUBN CORP COM PAR $0.50 718009608 73 3574 SH SOLE 2508 1066 0
PHILIP MORRIS COS INC COM 718154107 279 12140 SH SOLE 8840 2700 600
PHILIP MORRIS COS INC COM 718154107 80 3500 SH DEFINED 0 3500 0
PHILLIPS PETE CO COM 718507106 53 1145 SH SOLE 1145 0 0
PHILLIPS PETE CO COM 718507106 55 1177 SH DEFINED 1177 0 0
PHILADELPHIA TRANSP COMPANY 718990054 0 2 SH SOLE 2 0 0
PITNEY BOWES INC COM 724479100 236 4900 SH SOLE 4900 0 0
PITNEY BOWES INC COM 724479100 86 1800 SH DEFINED 600 1200 0
PLUM CREEK TIMBER CO INC COM 729251108 50 2000 SH SOLE 2000 0 0
POTOMAC ELEC PWR CO COM 737679100 18 800 SH SOLE 800 0 0
POTOMAC ELEC PWR CO COM 737679100 11 500 SH DEFINED 500 0 0
PREMIER NATL BANCORP INC COM 74053F107 9 500 SH SOLE 500 0 0
PROCTER & GAMBLE CO COM 742718109 739 6750 SH SOLE 6750 0 0
PROCTER & GAMBLE CO COM 742718109 241 2200 SH DEFINED 1000 1200 0
PROGRESSIVE CORP OHIO COM 743315103 29 400 SH SOLE 400 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 207 5975 SH SOLE 5975 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 55 1600 SH DEFINED 900 700 0
RAMBUS INC DEL COM 750917106 1 15 SH SOLE 15 0 0
RAYTHEON CO CL A 755111309 0 23 SH SOLE 23 0 0
RAYTHEON CO CL A 755111309 4 171 SH DEFINED 0 83 88
RELIANCE BANCORP INC COM 759451107 27 800 SH SOLE 500 0 300
REPSOL SPONS ADR 76026T205 348 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 50 1061 SH SOLE 1061 0 0
ROCKWELL INTL CORP NEW COM 773903109 38 800 SH DEFINED 800 0 0
ROHM & HAAS CO COM 775371107 30 750 SH SOLE 750 0 0
ROHM & HAAS CO COM 775371107 194 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 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 1169 23997 SH SOLE 13997 0 10000
SBC COMMUNICATIONS COM 78387G103 207 4254 SH DEFINED 1850 2404 0
SPS TECHNOLOGIES INC COM 784626103 8 276 SH DEFINED 0 276 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 28 680 SH DEFINED 680 0 0
SARA LEE CORP COM 803111103 845 38306 SH SOLE 37506 0 800
SARA LEE CORP COM 803111103 123 5600 SH DEFINED 2400 3200 0
SCHERING PLOUGH CORP COM 806605101 1642 38760 SH SOLE 37960 0 800
SCHERING PLOUGH CORP COM 806605101 967 22830 SH DEFINED 12280 10550 0
SCHLUMBERGER LTD COM 806857108 782 13950 SH SOLE 13950 0 0
SCHLUMBERGER LTD COM 806857108 154 2750 SH DEFINED 1150 1600 0
SCHWEITZER-MAUDUIT INTL INC COM 808541106 1 100 SH DEFINED 0 100 0
SEAGRAM LTD COM 811850106 223 5000 SH SOLE 0 0 5000
SEARS ROEBUCK & CO COM 812387108 123 4056 SH SOLE 3808 0 248
SEARS ROEBUCK & CO COM 812387108 146 4820 SH DEFINED 0 4820 0
SHARED MED SYS CORP COM 819486101 6 125 SH DEFINED 0 125 0
SIGCORP INC COM 826912107 9 399 SH SOLE 399 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 518 8081 SH SOLE 8081 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 51 800 SH DEFINED 0 0 800
SONOCO PRODS CO COM 835495102 107 4734 SH SOLE 4734 0 0
SOUTHERN CO COM 842587107 70 3000 SH SOLE 3000 0 0
SOUTHWEST AIRLS CO COM 844741108 16 1012 SH SOLE 1012 0 0
SPRINT CORP COM FON GROUP 852061100 13 200 SH SOLE 200 0 0
SPRINT CORP COM FON GROUP 852061100 144 2148 SH DEFINED 1348 800 0
SPRINT CORP PCS COM SER 1 852061506 15 150 SH SOLE 150 0 0
SPRINT CORP PCS COM SER 1 852061506 55 537 SH DEFINED 337 200 0
STAPLES INC COM 855030102 9 450 SH SOLE 450 0 0
STAPLES INC COM 855030102 21 1035 SH DEFINED 1035 0 0
STARWOOD HOTELS & RESORTS WORLDWIDE PAIRED CTF85590A203 18 771 SH DEFINED 0 771 0
STEIN MART INC COM 858375108 1 300 SH SOLE 300 0 0
SUMMIT BANCORP 866005101 196 6433 SH SOLE 6298 0 135
SUN MICROSYSTEMS INC COM 866810104 216 2800 SH SOLE 2800 0 0
SUNOCO INC COM 86764P109 24 1025 SH SOLE 1025 0 0
SUNTRUST BKS INC COM 867914103 79 1152 SH SOLE 1152 0 0
SUNTRUST BKS INC COM 867914103 48 712 SH DEFINED 712 0 0
SUNSOURCE INC COM 867948101 1 250 SH DEFINED 0 250 0
SUNSOURCE CAP TR PFD TR 11.6% 867949208 4 380 SH DEFINED 0 380 0
SUSQUEHANNA BANCSHARES INC PCOM 869099101 41 2609 SH SOLE 2047 562 0
SYSCO CORP COM 871829107 31 800 SH SOLE 800 0 0
TMT TRAILER FERRY 872000997 0 40 SH SOLE 40 0 0
TECO ENERGY INC COM 872375100 14 800 SH SOLE 800 0 0
TECO ENERGY INC COM 872375100 11 600 SH DEFINED 600 0 0
TELEFONICA S A SPONSORED ADR 879382208 1003 12729 SH SOLE 0 0 12729
TELEFONOS DE MEXICO SA SPONSORED ADR 879403780 11 100 SH SOLE 100 0 0
TELLABS INC COM 879664100 77 1200 SH SOLE 1200 0 0
TELLABS INC COM 879664100 24 382 SH DEFINED 382 0 0
TEMPLETON EMERG MKTS INCOME COM 880192109 9 1000 SH DEFINED 1000 0 0
TEMPLETON GLOBAL INCOME FD ICOM 880198106 17 3000 SH DEFINED 3000 0 0
TENNECO AUTOMOTIVE INC COM 880349105 0 60 SH SOLE 60 0 0
TENNECO AUTOMOTIVE INC COM 880349105 5 551 SH DEFINED 190 361 0
TENNECO INC NEW COM 88037E101 0 100 SH DEFINED 0 100 0
TEXACO INC COMMON REINV 88169410R 93 1721 SH DEFINED 1721 0 0
TEXACO INC COM 881694103 67 1236 SH SOLE 1000 236 0
3DFX INTERACTIVE INC COM 88553X103 0 50 SH SOLE 50 0 0
TIME WARNER INC COM 887315109 777 10750 SH SOLE 750 0 10000
TIME WARNER INC COM 887315109 10 150 SH DEFINED 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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TRICON GLOBAL RESTAURANTS COM 895953107 423 10970 SH SOLE 4850 420 5700
TRICON GLOBAL RESTAURANTS COM 895953107 30 800 SH DEFINED 800 0 0
TYCO INTL LTD NEW COM 902124106 156 4012 SH SOLE 2412 0 1600
UGI CORP NEW COM 902681105 10 492 SH SOLE 492 0 0
USX MARATHON GROUP COM NEW 902905827 0 38 SH SOLE 38 0 0
USX MARATHON GROUP COM NEW 902905827 1 75 SH DEFINED 0 0 75
UST INC COM 902911106 25 1000 SH SOLE 1000 0 0
USX-U S STL COM 90337T101 0 15 SH DEFINED 0 0 15
UNION CARBIDE CORP COMMON REINV 90558110R 34 519 SH DEFINED 519 0 0
UNION PAC CORP COM 907818108 125 2873 SH SOLE 2873 0 0
UNION PAC CORP COM 907818108 24 559 SH DEFINED 259 300 0
UNION PAC RES GROUP INC COM 907834105 4 338 SH SOLE 338 0 0
UNISYS CORP COM 909214108 32 1025 SH SOLE 1025 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3 50 SH SOLE 50 0 0
U S WEST INC NEW COM 91273H101 234 3252 SH SOLE 3252 0 0
U S WEST INC NEW COM 91273H101 2 41 SH DEFINED 0 41 0
UNOCAL CORP COM 915289102 90 2700 SH DEFINED 700 2000 0
USBANCORP INC PA COM 917292104 40 3423 SH SOLE 1623 0 1800
UTILICORP UNITED INC 918005109 8 450 SH DEFINED 450 0 0
100% CAPITAL STOCK-J RICHARD VISHNESKI, INC 926000993 0 1 SH DEFINED 0 1 0
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 50 1015 SH SOLE 1015 0 0
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 29 600 SH DEFINED 500 100 0
VORNADO RLTY TR SH BEN INT 929042109 9 300 SH SOLE 300 0 0
WSFS FINL CORP COM 929328102 69 5500 SH SOLE 5500 0 0
WACHOVIA CORP COM 929771103 13 200 SH SOLE 200 0 0
WACHOVIA CORP COM 929771103 68 1000 SH DEFINED 1000 0 0
WAL MART STORES INC COM 931142103 796 11525 SH SOLE 11525 0 0
WAL MART STORES INC COM 931142103 198 2875 SH DEFINED 1475 1400 0
WALGREEN CO COM 931422109 14 500 SH SOLE 500 0 0
WARNER LAMBERT CO COM 934488107 40 500 SH SOLE 500 0 0
WARNER LAMBERT CO COM 934488107 114 1400 SH DEFINED 0 1400 0
WASHINGTON FED INC COM 938824109 7 363 SH SOLE 363 0 0
WASHINGTON MUT INC COM 939322103 89 3472 SH SOLE 3472 0 0
WASHINGTON MUT INC COM 939322103 45 1761 SH DEFINED 1761 0 0
WASTE MANAGEMENT INC NEW 94106L109 2 145 SH DEFINED 0 0 145
WELLS FARGO & CO NEW COM 949746101 125 3100 SH SOLE 3100 0 0
WELLS FARGO & CO NEW COM 949746101 120 2980 SH DEFINED 1250 1730 0
W C HOMES INC 950990044 0 245 SH SOLE 245 0 0
WESTVACO CORP COM 961548104 40 1243 SH DEFINED 0 1243 0
WEYCO GROUP INC COM 962149100 11 444 SH DEFINED 0 444 0
WHIRLPOOL CORP COM 963320106 6 100 SH SOLE 100 0 0
WILMINGTON TRUST CORP COM 971807102 37 775 SH SOLE 775 0 0
WISCONSIN ENERGY CORP COM 976657106 9 500 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 22 1000 SH SOLE 1000 0 0
XEROX CORP COM 984121103 31 1400 SH DEFINED 800 600 0
YAHOO INC COM 984332106 30 70 SH SOLE 70 0 0
YORK INTL CORP NEW COM 986670107 2 100 SH DEFINED 100 0 0
ZORAN CORP COM 98975F101 1 25 SH SOLE 25 0 0
ZWEIG FD COM 989834106 10 1000 SH DEFINED 0 1000 0
GRAND TOTALS 126533 2155402 1660921 259452 235029
</TABLE>