FIRST NATIONAL BANK OF WEST CHESTER
13F-HR, 2000-08-14
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	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>


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