UNITED STATES SECURITIES & EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: JUNE 30, 2000
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 CHESTER COUNTY
ADDRESS: FINANCIAL MANAGEMENT SERVICES
P.O. BOX 3105
17 EAST MARKET STREET
WEST CHESTER, PA 19381-3105
13F FILE NUMBER:
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND
THE PERSON BY WHOM IT IT 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 UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS,
SCHEDULES, LISTS AND TABLES ARE CONSIDERED INTEGRAL PARTS OF THIS
FORM
PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:
NAME: CAROL LINDSEY
TITLE: VICE-PRESIDENT
PHONE: 610-692-1451
SIGNATURE, PLACE, AND DATE OF SIGNING:
CAROL LINDSEY WEST CHESTER, PENNSYLVANIA AUGUST 10, 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 23 442 SH SOLE 442 0 0
GLOBAL CROSSING LTD COM G3921A100 10 400 SH SOLE 400 0 0
ROYAL BK SCOTLAND G76891111 3 3188 SH SOLE 3188 0 0
TRANSOCEAN SEDCO FOREX INC ORD G90078109 22 422 SH SOLE 422 0 0
TRANSOCEAN SEDCO FOREX INC ORD G90078109 5 105 SH DEFINED 105 0 0
XOMA LTD ORD G9825R107 0 100 SH SOLE 100 0 0
ACM MANAGED DLR INCOME FD COM 000949107 1 200 SH SOLE 200 0 0
AMF INC RIGHTS 001005990 0 200 SH SOLE 200 0 0
AGL RES INC COM 001204106 33 2100 SH SOLE 2100 0 0
AMR CORP COM 001765106 7 280 SH DEFINED 280 0 0
A T & T CORP COMMON REINV 00195710R 19 628 SH DEFINED 628 0 0
AT&T CORP COM 001957109 854 27025 SH SOLE 26388 187 450
AT&T CORP COM 001957109 229 7269 SH DEFINED 2911 3908 450
AT&T CORP COM WIRLES GRP 001957406 13 500 SH DEFINED 500 0 0
AXA FINL INC COM 002451102 6 200 SH DEFINED 0 200 0
ABBOTT LABS COM 002824100 775 17410 SH SOLE 16810 600 0
ABBOTT LABS COM 002824100 167 3755 SH DEFINED 2855 900 0
ADAMS EXPRESS CO COM 006212104 104 2843 SH SOLE 2843 0 0
ADAMS GOLF INC COM 006228100 0 100 SH DEFINED 0 100 0
AEGON N V ORD AMER REG 007924103 86 2433 SH SOLE 2433 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 598 8118 SH SOLE 7204 152 762
AGILENT TECHNOLOGIES INC COM 00846U101 103 1406 SH DEFINED 988 380 38
AIR PRODS & CHEMS INC COM 009158106 30 1000 SH SOLE 1000 0 0
AIR PRODS & CHEMS INC COM 009158106 12 400 SH DEFINED 0 400 0
ALBERTSONS INC COM 013104104 138 4158 SH SOLE 4158 0 0
ALBERTSONS INC COM 013104104 63 1900 SH DEFINED 1500 400 0
ALCOA INC COM 013817101 41 1430 SH SOLE 1430 0 0
ALLEGHENY ENERGY INC COM 017361106 13 500 SH SOLE 500 0 0
ALLERGAN INC COM 018490102 59 800 SH SOLE 800 0 0
ALLERGAN INC COM 018490102 37 504 SH DEFINED 504 0 0
ALLERGAN SPECIALTY THERAP CL A 018494104 0 12 SH DEFINED 12 0 0
ALLIANT CORP COM 018802108 17 684 SH SOLE 684 0 0
ALLIANT CORP COM 018802108 11 456 SH DEFINED 0 456 0
ALLIED CAP CORP NEW COM 01903Q108 11 700 SH SOLE 700 0 0
ALLSTATE CORP COMMON REINV 02000210R 10 480 SH DEFINED 480 0 0
ALLSTATE CORP COM 020002101 165 7442 SH SOLE 7442 0 0
ALLSTATE CORP COM 020002101 305 13734 SH DEFINED 388 13346 0
ALLSTATE CORP QUIBS SR 2097 020002200 12 600 SH DEFINED 600 0 0
ALLTEL CORP COM 020039103 86 1400 SH SOLE 1400 0 0
ALLTEL CORP COM 020039103 18 300 SH DEFINED 0 300 0
AMAZON COM INC COM 023135106 14 400 SH SOLE 400 0 0
AMERICA ONLINE INC DEL COM 02364J104 128 2440 SH SOLE 2040 0 400
AMERICA ONLINE INC DEL COM 02364J104 26 500 SH DEFINED 0 500 0
AMERICAN ELEC PWR INC COM 025537101 155 5240 SH SOLE 5240 0 0
AMERICAN ELEC PWR INC COM 025537101 106 3583 SH DEFINED 3153 430 0
AMERICAN EXPRESS CO COM 025816109 91 1752 SH SOLE 1752 0 0
AMERICAN EXPRESS CO COM 025816109 62 1200 SH DEFINED 0 1200 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
AMERICAN FINL CORP OHIO PFD SR J $2.00 026087858 24 888 SH SOLE 888 0 0
AMERICAN GENERAL CORP COM 026351106 177 2917 SH SOLE 2917 0 0
AMERICAN HOME PRODS CORP COM 026609107 5613 95547 SH SOLE 95547 0 0
AMERICAN HOME PRODS CORP COM 026609107 778 13250 SH DEFINED 7950 5300 0
AMERICAN HOME PRODS CORP PFD CV $2 026609206 105 48 SH SOLE 48 0 0
AMERICAN INTL GROUP INC COM 026874107 156 1336 SH SOLE 1336 0 0
AMERICAN INTL GROUP INC COM 026874107 165 1412 SH DEFINED 462 750 200
AMERICAN PWR CONVERSION CORPCOM 029066107 8 200 SH SOLE 200 0 0
AMERIGAS PARTNERS L P UNIT L P INT 030975106 7 450 SH SOLE 450 0 0
AMGEN INC COM 031162100 122 1740 SH SOLE 1740 0 0
AMKOR TECHNOLOGY INC COM 031652100 70 2000 SH SOLE 0 0 2000
ANALOG DEVICES INC COM 032654105 8 110 SH SOLE 110 0 0
ANCHOR BANCORP WIS INC COM 032839102 15 1023 SH SOLE 1023 0 0
ANGELES CORP RESTR COMMON 034624999 1 1326 SH SOLE 1326 0 0
APPLIED MATLS INC COM 038222105 213 2360 SH SOLE 360 0 2000
ARCHER DANIELS MIDLAND CO COM 039483102 2 208 SH SOLE 208 0 0
ASSOCIATES FIRST CAP CORP CL A 046008108 58 2609 SH SOLE 2609 0 0
ASTORIA FINL CORP COM 046265104 29 1150 SH SOLE 1150 0 0
ATLANTIC RICHFIELD CO COM 048825103 17 220 SH SOLE 220 0 0
AUTOLIV INC COM 052800109 79 3314 SH SOLE 3314 0 0
AUTOMATIC DATA PROCESSING INCOM 053015103 1027 19193 SH SOLE 18493 700 0
AUTOMATIC DATA PROCESSING INCOM 053015103 334 6250 SH DEFINED 4675 1300 275
AVISTA CORP COM 05379B107 3 200 SH SOLE 200 0 0
100% CAPITAL STOCK-AUTUMN VIEW, INC 054000997 0 1 SH DEFINED 0 1 0
BB&T CORP COM 054937107 46 1932 SH DEFINED 0 1932 0
BFGOODRICH CAP QUIPS A 8.30% 05538W208 9 400 SH DEFINED 400 0 0
BP AMOCO P L C SPONSORED ADR 055622104 1007 17816 SH SOLE 17324 492 0
BP AMOCO P L C SPONSORED ADR 055622104 398 7037 SH DEFINED 2801 4236 0
BMC SOFTWARE INC COM 055921100 93 2550 SH SOLE 2550 0 0
BMC SOFTWARE INC COM 055921100 45 1250 SH DEFINED 700 250 300
BANK OF AMERICA CORPORATION COM 060505104 411 9580 SH SOLE 9080 300 200
BANK OF AMERICA CORPORATION COM 060505104 60 1400 SH DEFINED 700 700 0
BANK BLDG & EQUIP AM 060815107 0 500 SH SOLE 0 500 0
BANK OF NEW YORK CO INC 064057102 16 350 SH SOLE 350 0 0
BANK OF NEW YORK CO INC 064057102 65 1400 SH DEFINED 1400 0 0
BANK ONE CORP COM 06423A103 49 1850 SH SOLE 1850 0 0
BANK ONE CORP COM 06423A103 8 308 SH DEFINED 308 0 0
BARCLAYS PLC ADR 06738E204 20 200 SH SOLE 200 0 0
BAXTER INTL INC COM 071813109 21 300 SH SOLE 0 0 300
BECKMAN COULTER INC COM 075811109 5 92 SH DEFINED 92 0 0
BELL ATLANTIC CORP COM 077853109 3082 60666 SH SOLE 48466 1720 10480
BELL ATLANTIC CORP COM 077853109 974 19187 SH DEFINED 9117 8220 1850
BELLSOUTH CORP COMMON REINV 07986010R 122 2869 SH DEFINED 2869 0 0
BELLSOUTH CORP COM 079860102 1055 24754 SH SOLE 14554 0 10200
BELLSOUTH CORP COM 079860102 176 4153 SH DEFINED 3225 628 300
BESTFOODS COM 08658U101 235 3400 SH SOLE 3400 0 0
BESTFOODS COM 08658U101 221 3200 SH DEFINED 600 2600 0
BIOGEN INC COM 090597105 19 300 SH SOLE 300 0 0
BLACK & DECKER CORP 091797100 78 2000 SH SOLE 2000 0 0
BLACK & DECKER CORP 091797100 11 300 SH DEFINED 300 0 0
BLACK HILLS CORP COM 092113109 20 900 SH SOLE 900 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
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 318 7624 SH SOLE 7624 0 0
BOEING CO COM 097023105 272 6524 SH DEFINED 3024 3500 0
BROWN JUNIOR MOTORS 100004993 0 50 SH SOLE 50 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1502 25791 SH SOLE 25491 300 0
BRISTOL MYERS SQUIBB CO COM 110122108 288 4950 SH DEFINED 1300 3300 350
BRITISH AIRWAYS 110419108 0 100 SH DEFINED 0 100 0
BRITISH TELECOMMUNICATIONS PADR FINAL INST 111021408 661 5000 SH SOLE 0 0 5000
BRYN MAWR BK CORP COM 117665109 56 2800 SH DEFINED 2800 0 0
BURLINGTON NORTHN SANTA FE CCOM 12189T104 27 1200 SH SOLE 1200 0 0
CCB FINL CORP COM 124875105 29 800 SH SOLE 800 0 0
CBS CORP COM 12490K107 17 300 SH DEFINED 0 300 0
CIGNA CORP COM 125509109 197 2114 SH SOLE 2114 0 0
C P & L ENERGY INC COM 12614C106 20 650 SH SOLE 650 0 0
CSX CORP COM 126408103 21 1005 SH SOLE 1005 0 0
CSX CORP COM 126408103 15 730 SH DEFINED 330 400 0
CALPINE CORP COM 131347106 6 100 SH SOLE 100 0 0
CAMBRIDGE TECH PARTNERS MASSCOM 132524109 2 300 SH DEFINED 300 0 0
CAMPBELL SOUP CO COM 134429109 115 3972 SH SOLE 3972 0 0
CAMPBELL SOUP CO COM 134429109 84 2900 SH DEFINED 2100 800 0
CAPITAL INDS INC 140215104 0 12 SH SOLE 12 0 0
CAPITAL ONE FINL CORP COM 14040H105 6 150 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 11 600 SH SOLE 600 0 0
CARPENTER TECHNOLOGY CORP 144285103 25 1200 SH SOLE 1200 0 0
CARPENTER TECHNOLOGY CORP 144285103 8 400 SH DEFINED 0 400 0
CASTLE & COOKE INC NEW COM 148433105 2 152 SH DEFINED 152 0 0
CATERPILLAR INC DEL COM 149123101 13 400 SH DEFINED 0 400 0
CENDANT CORP COM 151313103 13 961 SH SOLE 961 0 0
CHARTER ONE FINL INC COM 160903100 55 2400 SH SOLE 1920 0 480
CHASE CAP V CAP SEC E7.03% 161479209 21 1000 SH DEFINED 1000 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 80 1758 SH SOLE 1758 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 63 1368 SH DEFINED 1368 0 0
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 58 3461 SH SOLE 3461 0 0
CHEVRON CORPORATION COM 166751107 99 1168 SH SOLE 1168 0 0
CHEVRON CORPORATION COM 166751107 67 800 SH DEFINED 0 800 0
CHROMAVISION MED SYS INC COM 17111P104 8 640 SH DEFINED 640 0 0
CIRCUIT CITY STORE INC CIRCT CITY GRP 172737108 101 3050 SH SOLE 3050 0 0
CIRCUIT CITY STORE INC CIRCT CITY GRP 172737108 8 250 SH DEFINED 250 0 0
CISCO SYS INC COM 17275R102 741 11668 SH SOLE 11468 0 200
CISCO SYS INC COM 17275R102 12 200 SH DEFINED 0 0 200
CITIGROUP INC COM 172967101 601 9987 SH SOLE 9737 0 250
CITIGROUP INC COM 172967101 375 6237 SH DEFINED 3943 1994 300
CITICORP CAP III TRUPS 7.10% 17303U200 11 500 SH DEFINED 500 0 0
BLACKSTONE URANUIM MINES INC 174990044 0 500 SH SOLE 500 0 0
CLEAR CHANNEL COMMUNICATIONSCOM 184502102 22 300 SH SOLE 300 0 0
COAST FED LITIGATION CONTINGENT PMT RTS 19034Q110 0 450 SH SOLE 450 0 0
COASTCAST CORP COM 19057T108 1 100 SH DEFINED 0 100 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
COCA COLA CO COM 191216100 1152 20062 SH SOLE 9462 600 10000
COCA COLA CO COM 191216100 221 3855 SH DEFINED 3855 0 0
COCA-COLA FEMSA SA DE CV SPONSORED ADR 191241108 5 300 SH SOLE 300 0 0
COLGATE PALMOLIVE CO COM 194162103 320 5346 SH SOLE 5096 0 250
COLGATE PALMOLIVE CO COM 194162103 287 4800 SH DEFINED 600 4200 0
CHACE CANDLECRAFT CORP CLASS A 200990042 0 50 SH SOLE 50 0 0
COMPAQ COMPUTER CORP COM 204493100 177 6950 SH SOLE 6950 0 0
COMPAQ COMPUTER CORP COM 204493100 12 500 SH DEFINED 0 500 0
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 55 600 SH SOLE 600 0 0
CONAGRA INC COM 205887102 60 3200 SH SOLE 3200 0 0
CONAGRA INC COM 205887102 3 200 SH DEFINED 0 200 0
CONECTIV INC COM 206829103 43 2815 SH SOLE 2815 0 0
CONECTIV INC COM 206829103 7 450 SH DEFINED 0 450 0
CONECTIV INC CL A 206829202 4 175 SH SOLE 175 0 0
CONECTIV INC CL A 206829202 1 75 SH DEFINED 0 75 0
CONEXANT SYSTEMS INC COM 207142100 19 400 SH DEFINED 400 0 0
CONOCO INC CL A 208251306 4 225 SH SOLE 225 0 0
CONOCO INC CL B REINVEST 20825140R 10 439 SH DEFINED 439 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 21 720 SH SOLE 720 0 0
CONSTELLATION ENERGY CORP COM 210371100 29 900 SH SOLE 900 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
CORN PRODS INTL INC COM 219023108 27 1025 SH SOLE 1025 0 0
CORN PRODS INTL INC COM 219023108 5 225 SH DEFINED 0 225 0
CORNING INC COM 219350105 448 1661 SH SOLE 1661 0 0
DELAWARE VALLEY FINANCIAL CORP CLASS A 222990046 0 153 SH SOLE 153 0 0
CRESCENT REAL ESTATE EQUITIECOM 225756105 8 400 SH SOLE 400 0 0
CROWN CORK & SEAL INC COM 228255105 0 50 SH DEFINED 50 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
DEERE & CO COM 244199105 11 300 SH SOLE 300 0 0
DELL COMPUTER CORP COM 247025109 288 5850 SH SOLE 5850 0 0
DELL COMPUTER CORP COM 247025109 69 1400 SH DEFINED 900 500 0
DELPHI AUTOMOTIVE SYS CORP COM 247126105 46 3172 SH SOLE 3172 0 0
DELPHI AUTOMOTIVE SYS CORP COM 247126105 25 1785 SH DEFINED 725 1060 0
DELUXE CORP COM 248019101 21 900 SH DEFINED 900 0 0
DEVELOPERS DIVERSIFIED RLTY COM 251591103 8 600 SH SOLE 600 0 0
DEVELOPERS DIVERSIFIED RLTY PFD 1/10B9.44% 251591509 11 500 SH SOLE 500 0 0
DIAMOND TECHNOLOGY PARTNERS CL A 252762109 42 480 SH DEFINED 480 0 0
DIGITAL MICROWAVE CORP COM 253859102 49 1300 SH SOLE 1300 0 0
DISNEY WALT CO COM DISNEY 254687106 703 18125 SH SOLE 8125 0 10000
DISNEY WALT CO COM DISNEY 254687106 6 180 SH DEFINED 180 0 0
DOLE FOOD INC COM 256605106 6 456 SH DEFINED 456 0 0
DOMINION RES INC VA NEW COM 25746U109 24 580 SH SOLE 580 0 0
DOMINION RES INC VA NEW COM 25746U109 44 1042 SH DEFINED 1042 0 0
DOVER CORP COM 260003108 16 400 SH SOLE 400 0 0
DOW CHEM CO COM 260543103 696 23088 SH SOLE 7788 0 15300
DOW CHEM CO COM 260543103 91 3039 SH DEFINED 1764 1275 0
E I DU PONT DE NEMOURS COMMON REINV 26353410R 25 579 SH DEFINED 579 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
DU PONT E I DE NEMOURS 263534109 2324 53121 SH SOLE 42651 270 10200
DU PONT E I DE NEMOURS 263534109 962 21989 SH DEFINED 6835 14854 300
DUKE ENERGY CAP TR II TRUPS 7.20% 26439G209 10 500 SH DEFINED 500 0 0
DUKE ENERGY CORP COM 264399106 46 825 SH SOLE 825 0 0
DUKE ENERGY CORP COM 264399106 64 1151 SH DEFINED 1151 0 0
DUN & BRADSTREET CORP NEW COMMON 26483B106 2 70 SH DEFINED 70 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 371 4825 SH SOLE 825 0 4000
EASTMAN KODAK CO COM 277461109 97 1635 SH SOLE 935 700 0
EDISON INTL 281020107 12 600 SH SOLE 600 0 0
EDO CORP COM 281347104 0 100 SH SOLE 100 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1 60 SH SOLE 0 0 60
EL PASO ENERGY PARTNERS L P COM 28368B102 9 400 SH SOLE 400 0 0
EL PASO ENERGY CORP DEL COM 283905107 15 312 SH SOLE 312 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 124 3020 SH SOLE 2320 0 700
ELECTRONIC DATA SYSTEMS CORP 285661104 24 595 SH DEFINED 70 300 225
BOLMAR CORP 289990046 249 35 SH SOLE 35 0 0
EMERSON ELEC CO COM 291011104 792 13132 SH SOLE 12632 0 500
EMERSON ELEC CO COM 291011104 111 1850 SH DEFINED 1450 400 0
ENDESA S A SPONSORED ADR 29258N107 15 800 SH SOLE 0 0 800
ENERGY EAST CORP COM 29266M109 15 800 SH SOLE 800 0 0
ENRON CORP COM 293561106 53 830 SH SOLE 830 0 0
ENTERGY CORP NEW COM 29364G103 33 1250 SH SOLE 1250 0 0
SUBURBAN AGENCY CORP 293990040 0 10 SH DEFINED 0 10 0
EQUITABLE RES INC COM 294549100 7 150 SH SOLE 150 0 0
EQUITY OFFICE PROPERTIES TRUCOM 294741103 9 351 SH SOLE 351 0 0
EXCELSIOR INCOME SHS INC COM 300723103 15 1000 SH DEFINED 1000 0 0
EXODUS COMMUNICATIONS INC COM 302088109 16 350 SH SOLE 350 0 0
EXXON MOBIL CORP COM 30231G102 3489 44457 SH SOLE 44029 428 0
EXXON MOBIL CORP COM 30231G102 1155 14720 SH DEFINED 4231 8397 2092
FPL GROUP INC COM 302571104 113 2300 SH SOLE 2300 0 0
FPL GROUP INC COM 302571104 79 1600 SH DEFINED 1000 600 0
FEDERAL NATL MTG ASSN COM 313586109 803 15400 SH SOLE 14750 250 400
FEDERAL NATL MTG ASSN COM 313586109 169 3250 SH DEFINED 2325 600 325
FELCOR LODGING TR INC COM 31430F101 7 400 SH SOLE 400 0 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 UN CORP COM 337358105 612 24677 SH SOLE 21927 2750 0
FIRST UN CORP COM 337358105 1133 45686 SH DEFINED 40964 2130 2592
FIRSTAR CORP NEW WIS COM 33763V109 86 4109 SH SOLE 4109 0 0
FLEETBOSTON FINL CORP COM 339030108 199 5881 SH SOLE 5381 0 500
FLEETBOSTON FINL CORP COM 339030108 25 750 SH DEFINED 400 350 0
FLORIDA PROGRESS CORP COM 341109106 14 300 SH SOLE 300 0 0
FLORIDA PROGRESS CORP COM 341109106 10 225 SH DEFINED 0 0 225
FLOWERS INDS INC COM 343496105 38 1925 SH SOLE 1925 0 0
FORD MTR CO CAP TR I TOPRS 9% 345343206 12 500 SH DEFINED 500 0 0
FORD MTR CO DEL COM 345370100 418 9744 SH SOLE 9244 0 500
FORD MTR CO DEL COM 345370100 75 1758 SH DEFINED 1458 300 0
FORD MTR CO DEL PFD B 1/2000SH 345370407 13 500 SH DEFINED 500 0 0
FORTUNE BRANDS INC COM 349631101 154 6686 SH SOLE 6686 0 0
FORTUNE BRANDS INC COM 349631101 40 1750 SH DEFINED 1750 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
FOX ENTMT GROUP INC CL A 35138T107 151 5000 SH SOLE 0 0 5000
FULTON FINANCIAL CORP 360271100 14 829 SH SOLE 829 0 0
FULTON FINANCIAL CORP 360271100 68 3879 SH DEFINED 3643 236 0
GTE CORP COM 362320103 869 13962 SH SOLE 8462 500 5000
GTE CORP COM 362320103 110 1770 SH DEFINED 970 800 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 121 5676 SH SOLE 5676 0 0
GANNETT INC COM 364730101 288 4825 SH SOLE 4225 400 200
GANNETT INC COM 364730101 80 1350 SH DEFINED 1350 0 0
GAP INC DEL COM 364760108 7 230 SH SOLE 230 0 0
GATEWAY INC COM 367626108 11 200 SH SOLE 200 0 0
GENERAL ELEC CO COM 369604103 20085 378967 SH SOLE 352417 2100 24450
GENERAL ELEC CO COM 369604103 2101 39645 SH DEFINED 10545 28200 900
GENERAL MLS INC COM 370334104 82 2160 SH SOLE 2160 0 0
GENERAL MLS INC COM 370334104 15 400 SH DEFINED 400 0 0
GENERAL MTRS CORP COM 370442105 637 10988 SH SOLE 10668 122 198
GENERAL MTRS CORP COM 370442105 259 4474 SH DEFINED 2135 2339 0
GENERAL MTRS CORP PREF G DEP1/4S 370442790 5 200 SH SOLE 200 0 0
GENESIS HEALTH VENTURES INC COM 371912106 0 5000 SH DEFINED 5000 0 0
GENUINE PARTS CO COM 372460105 31 1575 SH DEFINED 900 675 0
GILLETTE CO COM 375766102 5 150 SH SOLE 150 0 0
GILLETTE CO COM 375766102 17 500 SH DEFINED 500 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 5 100 SH SOLE 100 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 34 600 SH DEFINED 0 0 600
GLIMCHER RLTY TR 9.25 SER B CUM REDEEMABLE PFD 379302201 5 300 SH DEFINED 300 0 0
GOLDEN STATE BANCORP LITIGATION TRKG WTS 381197136 1 943 SH SOLE 798 0 145
GOODRICH B F CO COM 382388106 17 500 SH SOLE 500 0 0
GRAND MET DEL L P PFD GTD A9.42% 386087209 10 400 SH SOLE 400 0 0
GRANT STR NATL BANK - LIQ COMMON 388216103 0 186 SH DEFINED 186 0 0
GREEN MTN COFFEE INC COM 393122106 34 2000 SH SOLE 2000 0 0
HALLIBURTON CO COM 406216101 30 650 SH SOLE 650 0 0
HARBOR FLA BANCSHARES INC COM 411901101 18 1802 SH SOLE 1802 0 0
HARLEYSVILLE NATL CORP PA COM 412850109 96 2956 SH SOLE 2956 0 0
HARRIS CORP DEL COM 413875105 0 20 SH SOLE 20 0 0
HARSCO CORP COM 415864107 5 200 SH SOLE 200 0 0
HARTFORD FINL SVCS GROUP INC COMMON REINV 41651510R 31 556 SH DEFINED 556 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 16 300 SH SOLE 300 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 27 500 SH DEFINED 0 500 0
HASBRO INC COM 418056107 98 6534 SH DEFINED 6534 0 0
HEINZ H J CO COM 423074103 487 11150 SH SOLE 10250 900 0
HEINZ H J CO COM 423074103 146 3350 SH DEFINED 575 2775 0
HERCULES INC COM 427056106 10 742 SH SOLE 742 0 0
HERSHEY FOODS CORP COM 427866108 61 1275 SH SOLE 1275 0 0
HEWLETT PACKARD CO COM 428236103 2552 20438 SH SOLE 18038 400 2000
HEWLETT PACKARD CO COM 428236103 486 3900 SH DEFINED 2700 1000 200
HOME DEPOT INC COM 437076102 665 13325 SH SOLE 13125 0 200
HOME DEPOT INC COM 437076102 172 3450 SH DEFINED 1500 1550 400
HONEYWELL INTL INC COM 438516106 26 785 SH SOLE 785 0 0
HONEYWELL INTL INC COM 438516106 193 5756 SH DEFINED 5756 0 0
HOUSEHOLD INTL INC COM 441815107 37 900 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 23 925 SH DEFINED 925 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
HUDSON UNITED BANCORP COM 444165104 9 421 SH SOLE 421 0 0
ITT INDS INC COMMON REINV 45091110R 9 309 SH DEFINED 309 0 0
ITT INDS INC IND COM 450911102 4 150 SH SOLE 150 0 0
IDACORP INC COM 451107106 18 560 SH DEFINED 0 560 0
ILLINOIS TOOL WKS INC COM 452308109 119 2100 SH SOLE 2100 0 0
IMPERIAL OIL LTD COM NEW 453038408 4 180 SH DEFINED 0 180 0
INDYMAC MTG HLDGS INC COM 456607100 10 800 SH SOLE 800 0 0
INGERSOLL-RAND CO COM 456866102 30 750 SH SOLE 0 750 0
INGERSOLL-RAND CO COM 456866102 48 1200 SH DEFINED 0 1200 0
INKTOMI CORP COM 457277101 2 25 SH SOLE 25 0 0
INTEL CORP COM 458140100 2396 17930 SH SOLE 14405 225 3300
INTEL CORP COM 458140100 272 2035 SH DEFINED 1400 460 175
INTERNATIONAL BUSINESS MACHSCOM 459200101 834 7614 SH SOLE 6654 560 400
INTERNATIONAL BUSINESS MACHSCOM 459200101 295 2700 SH DEFINED 800 1900 0
GLOBE AIRCRAFT CORP 459990040 0 25 SH SOLE 25 0 0
INTL PAPER CAP TR III 7.875 PFD DUE 12/01/2003 460140205 19 900 SH DEFINED 900 0 0
INTL PAPER CO COM 460146103 14 500 SH SOLE 500 0 0
IOMEGA CORP COM 462030107 0 100 SH SOLE 100 0 0
IPALCO ENTERPRISES INC COM 462613100 30 1500 SH SOLE 1500 0 0
ISHARES INC MSCI GERMAN 464286806 20 850 SH DEFINED 850 0 0
JDS UNIPHASE CORP COM 46612J101 17 150 SH SOLE 150 0 0
JOHNSON & JOHNSON COM 478160104 2314 22720 SH SOLE 19370 350 3000
JOHNSON & JOHNSON COM 478160104 695 6825 SH DEFINED 5875 950 0
KELLOGG CO COM 487836108 11 400 SH SOLE 400 0 0
KELLOGG CO COM 487836108 2 80 SH DEFINED 80 0 0
KEY CORP NEW COM 493267108 27 1560 SH DEFINED 0 1560 0
KIMBERLY CLARK CORP COM 494368103 835 14556 SH SOLE 14356 0 200
KIMBERLY CLARK CORP COM 494368103 269 4696 SH DEFINED 3471 850 375
KONINKLIJKE PHILIPS ELECTRS SPON ADR NEW 500472204 260 5480 SH DEFINED 5480 0 0
KROGER CO COM 501044101 35 1600 SH SOLE 1600 0 0
LAKEHEAD PIPE LINE PARTNERS COM UNIT-CL A 511557100 28 700 SH DEFINED 700 0 0
LANIER WORLDWIDE INC COM 51589L105 0 20 SH SOLE 20 0 0
LILLY ELI & CO COM 532457108 1056 10575 SH SOLE 10575 0 0
LILLY ELI & CO COM 532457108 269 2700 SH DEFINED 1700 1000 0
LOWES COS INC COM 548661107 320 7800 SH SOLE 7500 0 300
LOWES COS INC COM 548661107 57 1400 SH DEFINED 900 500 0
LUCENT TECHNOLOGIES INC COMMON REINV 54946310R 32 554 SH DEFINED 554 0 0
LUCENT TECHNOLOGIES INC COM 549463107 1873 31613 SH SOLE 18613 0 13000
LUCENT TECHNOLOGIES INC COM 549463107 585 9886 SH DEFINED 5236 4012 638
MBIA INC COM 55262C100 9 200 SH SOLE 200 0 0
MDU RES GROUP INC COM 552690109 29 1350 SH DEFINED 1350 0 0
MANULIFE FINL CORP COM 56501R106 24 1372 SH SOLE 1372 0 0
MARSH & MCLENNAN COS INC COM 571748102 178 1710 SH SOLE 1710 0 0
MARRIOTT INTL INC NEW CL A 571903202 117 3250 SH SOLE 2750 0 500
MATLACK SYS INC COM 576901102 0 81 SH DEFINED 81 0 0
MAXIM INTEGRATED PRODS INC COM 57772K101 3 50 SH SOLE 50 0 0
MAY DEPT STORES CO COM 577778103 130 5431 SH SOLE 5431 0 0
MAY DEPT STORES CO COM 577778103 10 450 SH DEFINED 0 450 0
MAYTAG CORP COM 578592107 22 600 SH SOLE 600 0 0
MCCORMICK & CO INC COM NON VTG 579780206 9 300 SH SOLE 300 0 0
MCDONALDS CORP COM 580135101 502 15250 SH SOLE 15250 0 0
MCDONALDS CORP COM 580135101 112 3425 SH DEFINED 1700 1350 375
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
MCGRAW HILL COMPANIES INC 580645109 277 5140 SH SOLE 5140 0 0
MCGRAW HILL COMPANIES INC 580645109 86 1600 SH DEFINED 500 950 150
MEDALLION FINL CORP COM 583928106 7 500 SH SOLE 500 0 0
MEDIAONE GROUP INC COM 58440J104 67 1009 SH SOLE 1009 0 0
MEDIAONE GROUP INC COM 58440J104 15 240 SH DEFINED 200 40 0
MEDIMMUNE INC COM 584699102 44 600 SH SOLE 600 0 0
MEDIMMUNE INC COM 584699102 0 3 SH DEFINED 3 0 0
MEDTRONIC INC COM 585055106 362 7270 SH SOLE 7070 0 200
MEDTRONIC INC COM 585055106 61 1225 SH DEFINED 900 0 325
MELLON FINL CORP COM 58551A108 169 4650 SH SOLE 4650 0 0
MELLON FINL CORP COM 58551A108 29 816 SH DEFINED 816 0 0
MUTUAL RESOURCES INC 587990045 7 1000 SH SOLE 0 0 1000
MERCK & CO INC COM 589331107 3087 40290 SH SOLE 30006 84 10200
MERCK & CO INC COM 589331107 1045 13640 SH DEFINED 6640 7000 0
MERRILL LYNCH EUROFUND CL B 589922103 17 1332 SH DEFINED 1332 0 0
MERITOR AUTOMOTIVE INC COM 59000G100 3 346 SH SOLE 346 0 0
MERRILL LYNCH & CO 590188108 80 700 SH SOLE 700 0 0
MICROSOFT CORP COM 594918104 952 11905 SH SOLE 9755 150 2000
MICROSOFT CORP COM 594918104 160 2000 SH DEFINED 400 1400 200
MINNESOTA MNG & MFG CO COM 604059105 622 7545 SH SOLE 2545 0 5000
MINNESOTA MNG & MFG CO COM 604059105 72 875 SH DEFINED 775 100 0
MONTANA POWER CO COM 612085100 42 1200 SH SOLE 1200 0 0
MONY GROUP INC COM 615337102 2 84 SH SOLE 84 0 0
MORGAN J P & CO INC COM 616880100 251 2288 SH SOLE 2088 200 0
MORGAN J P & CO INC COM 616880100 31 290 SH DEFINED 90 200 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 285 3433 SH SOLE 3433 0 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 782 9400 SH DEFINED 0 9400 0
MORRISON KNUDSEN CORP NEW COM 61844A109 2 292 SH DEFINED 0 292 0
MORRISON KNUDSEN CORP NEW *W EXP 03/11/2003 61844A117 0 75 SH DEFINED 0 75 0
MOTOROLA CAP TR I TOPRS 6.68% 620074203 16 800 SH DEFINED 0 800 0
MOTOROLA INC COM 620076109 600 20680 SH SOLE 20680 0 0
MOTOROLA INC COM 620076109 95 3275 SH DEFINED 1500 1400 375
NCR CORP NEW COM 62886E108 2 76 SH SOLE 76 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 21 824 SH DEFINED 824 0 0
NAMIC BANCORP CL B COMMON 62987#103 47 1000 SH SOLE 0 0 1000
NAMIC INSUR CO CL B 634990048 71 440 SH SOLE 0 0 440
NATIONAL FUEL GAS CO N J COM 636180101 24 500 SH DEFINED 0 500 0
NATIONAL HEALTH INVS INC COM 63633D104 5 500 SH SOLE 500 0 0
NEW CENTURY ENERGIES INC COM 64352U103 8 299 SH SOLE 299 0 0
NEW CENTURY ENERGIES INC COM 64352U103 5 180 SH DEFINED 180 0 0
NEW JERSEY RES COM 646025106 43 1150 SH SOLE 1150 0 0
NEWPORT NEWS SHIPBUILDING INCOM 652228107 12 341 SH SOLE 341 0 0
NISOURCE INC COM 65473P105 29 1600 SH SOLE 1600 0 0
NISOURCE INC COM 65473P105 13 700 SH DEFINED 0 700 0
NOKIA CORP SPONSORED ADR 654902204 184 3690 SH SOLE 3690 0 0
NOKIA CORP SPONSORED ADR 654902204 4 100 SH DEFINED 0 100 0
NORFOLK SOUTHERN CORP COM 655844108 69 4650 SH SOLE 4650 0 0
NORFOLK SOUTHERN CORP COM 655844108 14 1000 SH DEFINED 400 600 0
NORTEL NETWORKS CORP NEW COM 656568102 10 150 SH SOLE 150 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
NORTH FORK BANCORPORATION NYCOM 659424105 60 3975 SH SOLE 3975 0 0
NURSECARE HEALTH CTR 670576305 0 20 SH SOLE 20 0 0
NVIDIA CORP COM 67066G104 4 70 SH SOLE 70 0 0
ORACLE CORP COM 68389X105 449 5350 SH SOLE 4970 380 0
PECO ENERGY CO COM 693304107 111 2754 SH SOLE 2754 0 0
PECO ENERGY CO COM 693304107 34 848 SH DEFINED 0 848 0
PECO ENERGY CO PFD 4.30 693304305 49 830 SH SOLE 830 0 0
PECO ENERGY CO PFD 4.40 693304404 7 150 SH SOLE 150 0 0
PNC FINANCIAL SERVICES GROUP 693475105 300 6401 SH SOLE 6401 0 0
PNC FINANCIAL SERVICES GROUP 693475105 251 5361 SH DEFINED 5361 0 0
PPG INDS INC COM 693506107 402 9084 SH SOLE 7884 1200 0
PPG INDS INC COM 693506107 106 2412 SH DEFINED 0 2412 0
PPL CORP COM 69351T106 331 15105 SH SOLE 14787 118 200
PPL CORP COM 69351T106 170 7774 SH DEFINED 4252 2922 600
PACIFIC TELESIS FING II TOPRS 8.5% 694889205 12 500 SH SOLE 500 0 0
PACTIV CORP COM 695257105 0 100 SH DEFINED 0 100 0
PALATIN TECHNOLOGIES INC COM NEW 696077304 28 4000 SH SOLE 3000 0 1000
PAYLESS SHOESOURCE INC COM 704379106 17 336 SH SOLE 336 0 0
PENELEC CAP TR TOPRS 7.34% 706871209 11 500 SH DEFINED 500 0 0
PENGO INDUSTRIES 708990056 0 50 SH SOLE 50 0 0
PEPSICO INC COM 713448108 1552 34950 SH SOLE 20850 3800 10300
PEPSICO INC COM 713448108 184 4150 SH DEFINED 1900 1800 450
PFIZER INC COM 717081103 678 14125 SH SOLE 14125 0 0
PFIZER INC COM 717081103 807 16815 SH DEFINED 7840 8375 600
PHELPS DODGE CORP COM 717265102 5 150 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 79 3874 SH SOLE 2808 1066 0
PHILIP MORRIS COS INC COM 718154107 292 11025 SH SOLE 7425 2700 900
PHILIP MORRIS COS INC COM 718154107 92 3500 SH DEFINED 0 3500 0
PHILLIPS PETE CO COM 718507106 58 1145 SH SOLE 1145 0 0
PHILLIPS PETE CO COM 718507106 36 720 SH DEFINED 720 0 0
PITNEY BOWES INC COM 724479100 463 11575 SH SOLE 10725 350 500
PITNEY BOWES INC COM 724479100 232 5800 SH DEFINED 4900 600 300
PLUM CREEK TIMBER CO INC COM 729251108 52 2000 SH SOLE 2000 0 0
POTOMAC ELEC PWR CO COM 737679100 27 1080 SH SOLE 1080 0 0
POTOMAC ELEC PWR CO COM 737679100 12 500 SH DEFINED 500 0 0
PROCTER & GAMBLE CO COM 742718109 507 8860 SH SOLE 8860 0 0
PROCTER & GAMBLE CO COM 742718109 164 2880 SH DEFINED 1580 1300 0
PROGRESSIVE CORP OHIO COM 743315103 79 1075 SH SOLE 775 0 300
PROGRESSIVE CORP OHIO COM 743315103 11 150 SH DEFINED 0 150 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 206 5975 SH SOLE 5975 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 55 1600 SH DEFINED 900 700 0
QUALCOMM INC COM 747525103 24 400 SH SOLE 400 0 0
QUALCOMM INC COM 747525103 30 500 SH DEFINED 0 500 0
RAYTHEON CO CL A 755111309 0 23 SH SOLE 23 0 0
RAYTHEON CO CL A 755111309 1 83 SH DEFINED 0 83 0
RELIANT ENERGY INC COM 75952J108 29 1000 SH SOLE 1000 0 0
REPSOL SPONS ADR 76026T205 297 15000 SH SOLE 0 0 15000
REYNOLDS R J TOB HLDGS INC COM 76182K105 7 274 SH DEFINED 274 0 0
100% CAPITAL STOCK-RICHLAND DEVELOPMENT CORP 765001995 0 1 SH DEFINED 0 1 0
ROCKWELL INTL CORP NEW COM 773903109 23 742 SH SOLE 742 0 0
ROCKWELL INTL CORP NEW COM 773903109 25 800 SH DEFINED 800 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ROHM & HAAS CO COM 775371107 13 400 SH SOLE 400 0 0
ROHM & HAAS CO COM 775371107 34 1000 SH DEFINED 300 700 0
ROLLINS TRUCK LEASING CORP COM 775741101 4 636 SH DEFINED 636 0 0
REMICO INC 777990052 0 28 SH SOLE 28 0 0
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 113 1850 SH SOLE 1250 0 600
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 55 900 SH DEFINED 900 0 0
SBC COMMUNICATIONS COM 78387G103 1330 30769 SH SOLE 20769 0 10000
SBC COMMUNICATIONS COM 78387G103 282 6529 SH DEFINED 3800 2404 325
SABRE HLDGS CORP CL A 785905100 5 202 SH DEFINED 202 0 0
SANCHEZ COMPUTER ASSOCS INC COM 799702105 16 680 SH DEFINED 680 0 0
SARA LEE CORP COM 803111103 615 31896 SH SOLE 31096 0 800
SARA LEE CORP COM 803111103 86 4500 SH DEFINED 1700 2800 0
SCHERING PLOUGH CORP COM 806605101 1379 27310 SH SOLE 26910 0 400
SCHERING PLOUGH CORP COM 806605101 287 5690 SH DEFINED 1540 4150 0
SCHLUMBERGER LTD COM 806857108 869 11650 SH SOLE 11650 0 0
SCHLUMBERGER LTD COM 806857108 313 4200 SH DEFINED 2400 1600 200
SEAGRAM LTD COM 811850106 298 5150 SH SOLE 150 0 5000
SEARS ROEBUCK & CO COM 812387108 100 3070 SH SOLE 3070 0 0
SEARS ROEBUCK & CO COM 812387108 157 4820 SH DEFINED 0 4820 0
SHARED MED SYS CORP COM 819486101 9 125 SH DEFINED 0 125 0
SHERWIN WILLIAMS CO COM 824348106 14 700 SH SOLE 700 0 0
SIMON PPTY GROUP INC NEW COM 828806109 7 340 SH SOLE 340 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 494 7581 SH SOLE 7581 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 183 2816 SH DEFINED 2016 0 800
SONOCO PRODS CO COM 835495102 52 2534 SH SOLE 2534 0 0
SOUTHERN CO COM 842587107 81 3500 SH SOLE 3500 0 0
SOUTHWEST AIRLS CO COM 844741108 19 1012 SH SOLE 1012 0 0
SPRINT CORP COM FON GROUP 852061100 10 200 SH SOLE 200 0 0
SPRINT CORP COM FON GROUP 852061100 68 1348 SH DEFINED 1348 0 0
SPRINT CORP PCS COM SER 1 852061506 17 300 SH SOLE 300 0 0
SPRINT CORP PCS COM SER 1 852061506 40 674 SH DEFINED 674 0 0
STAPLES INC COM 855030102 19 1250 SH SOLE 1250 0 0
STAPLES INC COM 855030102 15 1035 SH DEFINED 1035 0 0
STATE STR CORP COM 857477103 50 475 SH SOLE 475 0 0
STEIN MART INC COM 858375108 3 300 SH SOLE 300 0 0
SUMMIT BANCORP 866005101 143 5848 SH SOLE 5848 0 0
SUN MICROSYSTEMS INC COM 866810104 235 2590 SH SOLE 2590 0 0
SUNOCO INC COM 86764P109 30 1025 SH SOLE 1025 0 0
SUNTRUST BKS INC COM 867914103 102 2252 SH SOLE 2252 0 0
SUNTRUST BKS INC COM 867914103 62 1375 SH DEFINED 1000 0 375
SUSQUEHANNA BANCSHARES INC PCOM 869099101 37 2609 SH SOLE 2047 562 0
SYSCO CORP COM 871829107 33 800 SH SOLE 800 0 0
TMT TRAILER FERRY 872000997 0 40 SH SOLE 40 0 0
TECO ENERGY INC COM 872375100 16 800 SH SOLE 800 0 0
TECO ENERGY INC COM 872375100 12 600 SH DEFINED 600 0 0
TARGET CORP COM 87612E106 133 2300 SH SOLE 2300 0 0
TARGET CORP COM 87612E106 121 2100 SH DEFINED 900 1200 0
TAUBMAN CTRS INC PFD A 8.3% 876664202 5 300 SH SOLE 300 0 0
TELEFONICA S A SPONSORED ADR 879382208 640 10000 SH SOLE 0 0 10000
TELEFONOS DE MEXICO SA SPONSORED ADR 879403780 11 200 SH SOLE 200 0 0
TELLABS INC COM 879664100 95 1400 SH SOLE 1400 0 0
TELLABS INC COM 879664100 26 382 SH DEFINED 382 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TEMPLETON EMERG MKTS INCOME COM 880192109 10 1000 SH DEFINED 1000 0 0
TEMPLETON GLOBAL INCOME FD ICOM 880198106 18 3000 SH DEFINED 3000 0 0
TENNECO AUTOMOTIVE INC COM 880349105 0 20 SH DEFINED 0 20 0
TEXACO INC COMMON REINV 88169410R 93 1750 SH DEFINED 1750 0 0
TEXACO INC COM 881694103 87 1636 SH SOLE 1400 236 0
TEXACO INC COM 881694103 15 300 SH DEFINED 0 300 0
TEXAS INSTRS INC COM 882508104 8 125 SH SOLE 125 0 0
3DFX INTERACTIVE INC COM 88553X103 0 50 SH SOLE 50 0 0
TIME WARNER INC COM 887315109 817 10750 SH SOLE 750 0 10000
TIME WARNER INC COM 887315109 19 250 SH DEFINED 250 0 0
TRICON GLOBAL RESTAURANTS COM 895953107 229 8120 SH SOLE 2150 270 5700
TRICON GLOBAL RESTAURANTS COM 895953107 22 800 SH DEFINED 800 0 0
TYCO INTL LTD NEW COM 902124106 176 3725 SH SOLE 2125 0 1600
TYCO INTL LTD NEW COM 902124106 16 350 SH DEFINED 0 0 350
UGI CORP NEW COM 902681105 10 492 SH SOLE 492 0 0
UST INC COM 902911106 14 1000 SH SOLE 1000 0 0
USEC INC COM 90333E108 3 800 SH SOLE 800 0 0
UNILEVER PLC SPON ADR NEW 904767704 23 925 SH SOLE 925 0 0
UNION CARBIDE CORP COMMON REINV 90558110R 25 523 SH DEFINED 523 0 0
UNION PAC CORP COM 907818108 104 2798 SH SOLE 2798 0 0
UNION PAC CORP COM 907818108 20 559 SH DEFINED 259 300 0
UNISYS CORP COM 909214108 14 1000 SH SOLE 1000 0 0
UNITED PARCEL SERVICE INC CL B 911312106 20 350 SH SOLE 350 0 0
U S WEST INC NEW COM 91273H101 347 4047 SH SOLE 4047 0 0
U S WEST INC NEW COM 91273H101 3 41 SH DEFINED 0 41 0
UNOCAL CORP COM 915289102 10 312 SH SOLE 312 0 0
UNOCAL CORP COM 915289102 23 700 SH DEFINED 700 0 0
UTILICORP UNITED INC 918005109 14 750 SH DEFINED 750 0 0
VECTOR GROUP LTD COM 92240M108 4 300 SH SOLE 0 0 300
VIACOM INC CL A 925524100 1 20 SH DEFINED 20 0 0
VIACOM INC CL B 925524308 14 217 SH SOLE 0 0 217
VIACOM INC CL B 925524308 0 10 SH DEFINED 10 0 0
100% CAPITAL STOCK-J RICHARD VISHNESKI, INC 926000993 0 1 SH DEFINED 0 1 0
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 125 3037 SH SOLE 3037 0 0
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 20 500 SH DEFINED 400 100 0
VORNADO RLTY TR SH BEN INT 929042109 10 300 SH SOLE 300 0 0
WSFS FINL CORP COM 929328102 31 3000 SH SOLE 3000 0 0
WABTEC CORP COM 929740108 1 133 SH DEFINED 0 133 0
WACHOVIA CORP COM 929771103 24 450 SH SOLE 450 0 0
WACHOVIA CORP COM 929771103 16 300 SH DEFINED 300 0 0
WAL MART STORES INC COM 931142103 793 13775 SH SOLE 13775 0 0
WAL MART STORES INC COM 931142103 225 3905 SH DEFINED 2505 1000 400
WALGREEN CO COM 931422109 16 500 SH SOLE 500 0 0
WALGREEN CO COM 931422109 14 450 SH DEFINED 0 450 0
WASHINGTON FED INC COM 938824109 6 363 SH SOLE 363 0 0
WASHINGTON MUT INC COM 939322103 17 609 SH SOLE 609 0 0
WASHINGTON MUT INC COM 939322103 46 1627 SH DEFINED 1627 0 0
WELLS FARGO & CO NEW COM 949746101 261 6750 SH SOLE 6750 0 0
WELLS FARGO & CO NEW COM 949746101 71 1850 SH DEFINED 1450 400 0
W C HOMES INC 950990044 0 245 SH SOLE 245 0 0
WHIRLPOOL CORP COM 963320106 4 100 SH SOLE 100 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
WILLIAMS COMMUNICATIONS GROUCL A 969455104 11 350 SH SOLE 350 0 0
WILLIAMS COS INC DEL COM 969457100 48 1175 SH SOLE 1175 0 0
WILMINGTON TRUST CORP COM 971807102 32 765 SH SOLE 765 0 0
WISCONSIN ENERGY CORP COM 976657106 9 500 SH SOLE 500 0 0
WOLVERINE WORLD WIDE INC 978097103 4 505 SH SOLE 505 0 0
100% CAPITAL STOCK-WOODS OF BRADFORD, INC 979004991 0 1 SH DEFINED 0 1 0
WORLDCOM INC GA NEW COM 98157D106 192 4190 SH SOLE 4190 0 0
WORLDCOM INC GA NEW COM 98157D106 29 637 SH DEFINED 187 450 0
XEROX CORP COM 984121103 85 4100 SH SOLE 3700 0 400
XEROX CORP COM 984121103 122 5900 SH DEFINED 4900 1000 0
YAHOO INC COM 984332106 8 70 SH SOLE 70 0 0
ZORAN CORP COM 98975F101 1 25 SH SOLE 25 0 0
GRAND TOTALS 122760 2443601 1938047 249519 256035
</TABLE>