FIRST NATIONAL BANK OF WEST CHESTER
13F-HR, 2000-01-31
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	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


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