UNITED STATES SECURITIES & EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR END OR QUARTER ENDED: September 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
TRUST DEPARTMENT
P.O. BOX 3105
WEST CHESTER, PA 19381
13F FILE NUMBER:
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON SIGNING
THIS REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL INFORMATION CONTAINED
HEREIN IS TRUE, CORRECT AND COMPLETE, AND THAT IT IS 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: THERESA A. DOLAN
TITLE: VICE-PRESIDENT, TRUST OPERATIONS
PHONE: 610-692-1451
SIGNATURE, PLACE AND DATE OF SIGNING:
THERESA A. DOLAN WEST CHESTER, PENNSYLVANIA OCOTBER 23, 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:
LIST OF OTHER INCLUDED MANAGERS: NONE
<PAGE>
<TABLE>
<CAPTION>
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
DAIMLERCHRYSLER AG ORD D1668R123 10 242 SH SOLE 242 0 0
GLOBAL CROSSING LTD COM G3921A100 12 400 SH SOLE 400 0 0
ROYAL BK SCOTLAND G76891111 62 3188 SH SOLE 3188 0 0
TRANSOCEAN SEDCO FOREX INC ORD G90078109 4 77 SH SOLE 77 0 0
TRANSOCEAN SEDCO FOREX INC ORD G90078109 4 76 SH DEFINED 76 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 24 1200 SH SOLE 1200 0 0
AMR CORP COM 001765106 9 280 SH DEFINED 280 0 0
A T & T CORP COMMON REINV 00195710R 18 632 SH DEFINED 632 0 0
AT&T CORP COM 001957109 809 27568 SH SOLE 26931 187 450
AT&T CORP COM 001957109 249 8492 SH DEFINED 4941 3551 0
AT&T CORP COM WIRLES GRP 001957406 10 500 SH DEFINED 500 0 0
ABBOTT LABS COM 002824100 853 17950 SH SOLE 17350 600 0
ABBOTT LABS COM 002824100 330 6955 SH DEFINED 6055 900 0
ADAMS EXPRESS CO COM 006212104 109 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 90 2444 SH SOLE 2444 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 349 7133 SH SOLE 6981 152 0
AGILENT TECHNOLOGIES INC COM 00846U101 76 1561 SH DEFINED 1143 380 38
AIR PRODS & CHEMS INC COM 009158106 36 1000 SH SOLE 1000 0 0
AIR PRODS & CHEMS INC COM 009158106 14 400 SH DEFINED 0 400 0
AKAMAI TECHNOLOGIES INC COM 00971T101 5 100 SH DEFINED 100 0 0
ALBERTSONS INC COM 013104104 87 4158 SH SOLE 4158 0 0
ALBERTSONS INC COM 013104104 39 1900 SH DEFINED 1500 400 0
ALCOA INC COM 013817101 36 1430 SH SOLE 1430 0 0
ALLEGHENY ENERGY INC COM 017361106 19 500 SH SOLE 500 0 0
ALLERGAN INC COM 018490102 67 800 SH SOLE 800 0 0
ALLERGAN INC COM 018490102 42 504 SH DEFINED 504 0 0
ALLERGAN SPECIALTY THERAP CL A 018494104 0 12 SH DEFINED 12 0 0
ALLIANT CORP COM 018802108 20 684 SH SOLE 684 0 0
ALLIANT CORP COM 018802108 13 456 SH DEFINED 0 456 0
ALLIED CAP CORP NEW COM 01903Q108 14 700 SH SOLE 700 0 0
ALLSTATE CORP COMMON REINV 02000210R 16 483 SH DEFINED 483 0 0
ALLSTATE CORP COM 020002101 177 5108 SH SOLE 5108 0 0
ALLSTATE CORP COM 020002101 453 13046 SH DEFINED 388 12658 0
ALLSTATE CORP QUIBS SR 2097 020002200 13 600 SH DEFINED 600 0 0
ALLTEL CORP COM 020039103 46 900 SH SOLE 900 0 0
ALLTEL CORP COM 020039103 54 1050 SH DEFINED 500 550 0
AMAZON COM INC COM 023135106 15 400 SH SOLE 400 0 0
AMERICA ONLINE INC DEL COM 02364J104 141 2640 SH SOLE 2240 0 400
AMERICA ONLINE INC DEL COM 02364J104 67 1250 SH DEFINED 750 500 0
AMERICAN ELEC PWR INC COM 025537101 183 4690 SH SOLE 4690 0 0
AMERICAN ELEC PWR INC COM 025537101 128 3283 SH DEFINED 3153 130 0
AMERICAN EXPRESS CO COM 025816109 36 600 SH SOLE 600 0 0
AMERICAN EXPRESS CO COM 025816109 72 1200 SH DEFINED 0 1200 0
AMERICAN FINL CORP OHIO PFD SR J $2.00 026087858 24 888 SH SOLE 888 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
AMERICAN GENERAL CORP COM 026351106 227 2917 SH SOLE 2917 0 0
AMERICAN HOME PRODS CORP COM 026609107 5211 92147 SH SOLE 92147 0 0
AMERICAN HOME PRODS CORP COM 026609107 777 13750 SH DEFINED 7950 5800 0
AMERICAN HOME PRODS CORP PFD CV $2 026609206 96 48 SH SOLE 48 0 0
AMERICAN INTL GROUP INC COM 026874107 201 2103 SH SOLE 2103 0 0
AMERICAN INTL GROUP INC COM 026874107 249 2603 SH DEFINED 692 1499 412
AMERICAN PWR CONVERSION CORPCOM 029066107 3 200 SH SOLE 200 0 0
AMERIGAS PARTNERS L P UNIT L P INT 030975106 8 450 SH SOLE 450 0 0
AMGEN INC COM 031162100 117 1690 SH SOLE 1690 0 0
AMKOR TECHNOLOGY INC COM 031652100 52 2000 SH SOLE 0 0 2000
ANALOG DEVICES INC COM 032654105 9 110 SH SOLE 110 0 0
ANCHOR BANCORP WIS INC COM 032839102 16 1032 SH SOLE 1032 0 0
ANGELES CORP RESTR COMMON 034624999 1 1326 SH SOLE 1326 0 0
APPLIED MATLS INC COM 038222105 145 2460 SH SOLE 460 0 2000
ARCHER DANIELS MIDLAND CO COM 039483102 1 218 SH SOLE 218 0 0
ARVINMERITOR INC COM 043353101 3 259 SH SOLE 259 0 0
ASSOCIATES FIRST CAP CORP CL A 046008108 99 2609 SH SOLE 2609 0 0
ASSOCIATES FIRST CAP CORP CL A 046008108 3 100 SH DEFINED 0 100 0
AUTOLIV INC COM 052800109 64 3314 SH SOLE 3314 0 0
AUTOMATIC DATA PROCESSING INCOM 053015103 1126 16843 SH SOLE 16143 700 0
AUTOMATIC DATA PROCESSING INCOM 053015103 496 7425 SH DEFINED 5725 1300 400
AVISTA CORP COM 05379B107 4 200 SH SOLE 200 0 0
100% CAPITAL STOCK-AUTUMN VIEW, INC 054000997 0 1 SH DEFINED 0 1 0
BB&T CORP COM 054937107 58 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 800 15107 SH SOLE 14715 392 0
BP AMOCO P L C SPONSORED ADR 055622104 378 7142 SH DEFINED 3070 4072 0
BMC SOFTWARE INC COM 055921100 53 2800 SH SOLE 2800 0 0
BMC SOFTWARE INC COM 055921100 31 1650 SH DEFINED 1100 250 300
BANK OF AMERICA CORPORATION COM 060505104 491 9388 SH SOLE 8888 300 200
BANK OF AMERICA CORPORATION COM 060505104 75 1450 SH DEFINED 700 750 0
BANK BLDG & EQUIP AM 060815107 0 500 SH SOLE 0 500 0
BANK OF NEW YORK CO INC 064057102 19 350 SH SOLE 350 0 0
BANK OF NEW YORK CO INC 064057102 78 1400 SH DEFINED 1400 0 0
BANK ONE CORP COM 06423A103 44 1150 SH SOLE 1150 0 0
BANK ONE CORP COM 06423A103 19 508 SH DEFINED 308 200 0
BARCLAYS PLC ADR 06738E204 22 200 SH SOLE 200 0 0
BAXTER INTL INC COM 071813109 23 300 SH SOLE 0 0 300
BECKMAN COULTER INC COM 075811109 7 92 SH DEFINED 92 0 0
BECTON DICKINSON & CO COM 075887109 15 600 SH SOLE 600 0 0
BELLSOUTH CORP COMMON REINV 07986010R 116 2883 SH DEFINED 2883 0 0
BELLSOUTH CORP COM 079860102 1081 26865 SH SOLE 16115 0 10750
BELLSOUTH CORP COM 079860102 173 4303 SH DEFINED 3225 628 450
BESTFOODS COM 08658U101 218 3000 SH SOLE 3000 0 0
BESTFOODS COM 08658U101 261 3600 SH DEFINED 1000 2600 0
BIOGEN INC COM 090597105 18 300 SH SOLE 300 0 0
BLACK & DECKER CORP 091797100 68 2000 SH SOLE 2000 0 0
BLACK HILLS CORP COM 092113109 25 900 SH SOLE 900 0 0
BLACKROCK INCOME TR INC COM 09247F100 4 700 SH SOLE 700 0 0
BLACKROCK NORTH AMERN GOVT INC TR 092475102 9 1000 SH DEFINED 0 1000 0
BLACKROCK 2001 TERM TR 092477108 11 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
BOEING CO COM 097023105 442 7024 SH SOLE 7024 0 0
BOEING CO COM 097023105 417 6624 SH DEFINED 3024 3600 0
BRISTOL MYERS SQUIBB CO COM 110122108 1450 25391 SH SOLE 25091 300 0
BRISTOL MYERS SQUIBB CO COM 110122108 275 4825 SH DEFINED 900 3400 525
BRITISH AWYS PLC ADR 2ND INSTAL 110419306 4 100 SH DEFINED 0 100 0
BRITISH TELECOMMUNICATIONS PADR FINAL INST 111021408 535 5000 SH SOLE 0 0 5000
BRYN MAWR BK CORP COM 117665109 58 2800 SH DEFINED 2800 0 0
BURLINGTON NORTHN SANTA FE CCOM 12189T104 17 800 SH SOLE 800 0 0
CIGNA CORP COM 125509109 189 1814 SH SOLE 1814 0 0
C P & L ENERGY INC COM 12614C106 27 650 SH SOLE 650 0 0
CSX CORP COM 126408103 21 1005 SH SOLE 1005 0 0
CSX CORP COM 126408103 11 530 SH DEFINED 330 200 0
CALPINE CORP COM 131347106 10 100 SH SOLE 100 0 0
CAMBRIDGE TECH PARTNERS MASSCOM 132524109 1 300 SH DEFINED 300 0 0
CAMPBELL SOUP CO COM 134429109 102 3972 SH SOLE 3972 0 0
CAMPBELL SOUP CO COM 134429109 75 2900 SH DEFINED 2100 800 0
CAPITAL INDS INC 140215104 0 12 SH SOLE 12 0 0
CAPITAL ONE FINL CORP COM 14040H105 10 150 SH SOLE 150 0 0
CAPSTEAD MTG CORP PFD B CV $1.26 14067E308 10 1000 SH DEFINED 1000 0 0
CARNIVAL CORP COM 143658102 12 500 SH SOLE 500 0 0
CARNIVAL CORP COM 143658102 29 1200 SH DEFINED 1200 0 0
CARPENTER TECHNOLOGY CORP 144285103 34 1200 SH SOLE 1200 0 0
CARPENTER TECHNOLOGY CORP 144285103 11 400 SH DEFINED 0 400 0
CATERPILLAR INC DEL COM 149123101 13 400 SH DEFINED 0 400 0
CHARTER ONE FINL INC COM 160903100 61 2520 SH SOLE 2016 0 504
CHASE CAP V CAP SEC E7.03% 161479209 22 1000 SH DEFINED 1000 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 118 2558 SH SOLE 2558 0 0
CHASE MANHATTAN CORP NEW COM 16161A108 143 3118 SH DEFINED 3118 0 0
CHATWOOD WATER COMPANY 162000996 0 20 SH SOLE 20 0 0
CHESTER VALLEY BANCORP COM 166335109 88 3633 SH SOLE 3633 0 0
CHEVRON CORPORATION COM 166751107 98 1150 SH SOLE 1150 0 0
CHEVRON CORPORATION COM 166751107 76 900 SH DEFINED 0 900 0
CHROMAVISION MED SYS INC COM 17111P104 6 640 SH DEFINED 640 0 0
CIRCUIT CITY STORE INC CIRCT CITY GRP 172737108 48 2100 SH SOLE 2100 0 0
CIRCUIT CITY STORE INC CIRCT CITY GRP 172737108 5 250 SH DEFINED 250 0 0
CISCO SYS INC COM 17275R102 722 13068 SH SOLE 12868 0 200
CISCO SYS INC COM 17275R102 93 1700 SH DEFINED 400 1000 300
CITIGROUP INC COM 172967101 689 12761 SH SOLE 12428 0 333
CITIGROUP INC COM 172967101 492 9104 SH DEFINED 5651 2855 598
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 31 550 SH SOLE 550 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
COCA COLA CO COM 191216100 1039 18862 SH SOLE 8462 400 10000
COCA COLA CO COM 191216100 244 4430 SH DEFINED 4255 175 0
COCA-COLA FEMSA SA DE CV SPONSORED ADR 191241108 6 300 SH SOLE 300 0 0
COLGATE PALMOLIVE CO COM 194162103 248 5261 SH SOLE 5011 0 250
COLGATE PALMOLIVE CO COM 194162103 217 4600 SH DEFINED 600 4000 0
CHACE CANDLECRAFT CORP CLASS A 200990042 0 50 SH SOLE 50 0 0
COMPAQ COMPUTER CORP COM 204493100 180 6550 SH SOLE 6550 0 0
COMPAQ COMPUTER CORP COM 204493100 13 500 SH DEFINED 0 500 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
COMVERSE TECHNOLOGY INC COM PAR $0.10 205862402 64 600 SH SOLE 600 0 0
CONAGRA FOODS INC COM 205887102 52 2600 SH SOLE 2600 0 0
CONAGRA FOODS INC COM 205887102 17 850 SH DEFINED 650 200 0
CONECTIV INC COM 206829103 50 2815 SH SOLE 2815 0 0
CONECTIV INC COM 206829103 8 450 SH DEFINED 0 450 0
CONECTIV INC CL A 206829202 3 175 SH SOLE 175 0 0
CONECTIV INC CL A 206829202 1 75 SH DEFINED 0 75 0
CONEXANT SYSTEMS INC COM 207142100 16 400 SH DEFINED 400 0 0
CONOCO INC CL A 208251306 24 925 SH SOLE 925 0 0
CONOCO INC CL B REINVEST 20825140R 11 442 SH DEFINED 442 0 0
CONOCO INC CL B 208251405 16 600 SH SOLE 600 0 0
COSMOPOLITAN INVESTORS FUNDING CO COMMON 209001999 0 500 SH SOLE 500 0 0
CONSOLIDATED EDISON INC COM 209115104 24 720 SH SOLE 720 0 0
CONSTELLATION ENERGY CORP COM 210371100 44 900 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 23 1025 SH SOLE 1025 0 0
CORN PRODS INTL INC COM 219023108 5 225 SH DEFINED 0 225 0
CORNING INC COM 219350105 344 1161 SH SOLE 1161 0 0
CORNING INC COM 219350105 44 150 SH DEFINED 150 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 6 150 SH SOLE 150 0 0
DTE ENERGY CO COM 233331107 19 500 SH SOLE 500 0 0
DEERE & CO COM 244199105 9 300 SH SOLE 300 0 0
DELL COMPUTER CORP COM 247025109 169 5500 SH SOLE 5500 0 0
DELL COMPUTER CORP COM 247025109 50 1625 SH DEFINED 900 725 0
DELPHI AUTOMOTIVE SYS CORP COM 247126105 46 3045 SH SOLE 3045 0 0
DELPHI AUTOMOTIVE SYS CORP COM 247126105 28 1854 SH DEFINED 725 1129 0
DELUXE CORP COM 248019101 18 900 SH DEFINED 900 0 0
DEVELOPERS DIVERSIFIED RLTY COM 251591103 7 600 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 35 480 SH DEFINED 480 0 0
DISNEY WALT CO COM DISNEY 254687106 775 20275 SH SOLE 10275 0 10000
DISNEY WALT CO COM DISNEY 254687106 29 780 SH DEFINED 780 0 0
DOLE FOOD INC COM 256605106 6 456 SH DEFINED 456 0 0
DOMINION RES INC VA NEW COM 25746U109 33 580 SH SOLE 580 0 0
DOMINION RES INC VA NEW COM 25746U109 60 1042 SH DEFINED 1042 0 0
DOVER CORP COM 260003108 18 400 SH SOLE 400 0 0
DOW CHEM CO COM 260543103 510 20488 SH SOLE 5188 0 15300
DOW CHEM CO COM 260543103 75 3039 SH DEFINED 1764 1275 0
E I DU PONT DE NEMOURS COMMON REINV 26353410R 24 584 SH DEFINED 584 0 0
DU PONT E I DE NEMOURS 263534109 2120 51171 SH SOLE 40701 270 10200
DU PONT E I DE NEMOURS 263534109 940 22689 SH DEFINED 7535 14704 450
DUKE ENERGY CAP TR II TRUPS 7.20% 26439G209 11 500 SH DEFINED 500 0 0
DUKE ENERGY CORP COM 264399106 70 825 SH SOLE 825 0 0
DUKE ENERGY CORP COM 264399106 98 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 478 4825 SH SOLE 825 0 4000
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
EASTMAN KODAK CO COM 277461109 66 1635 SH SOLE 935 700 0
EDISON INTL 281020107 11 600 SH SOLE 600 0 0
EDO CORP COM 281347104 0 100 SH SOLE 100 0 0
EL PASO ENERGY PARTNERS L P COM 28368B102 10 400 SH SOLE 400 0 0
EL PASO ENERGY CORP DEL COM 283905107 19 312 SH SOLE 312 0 0
ELECTRONIC DATA SYSTEMS CORP 285661104 96 2320 SH SOLE 1620 0 700
ELECTRONIC DATA SYSTEMS CORP 285661104 41 995 SH DEFINED 370 300 325
BOLMAR CORP 289990046 249 35 SH SOLE 35 0 0
EMERSON ELEC CO COM 291011104 786 11732 SH SOLE 11232 0 500
EMERSON ELEC CO COM 291011104 123 1850 SH DEFINED 1450 400 0
ENDESA S A SPONSORED ADR 29258N107 15 800 SH SOLE 0 0 800
ENERGY EAST CORP COM 29266M109 18 800 SH SOLE 800 0 0
ENRON CORP COM 293561106 72 830 SH SOLE 830 0 0
ENTERGY CORP NEW COM 29364G103 37 1000 SH SOLE 1000 0 0
ENTERGY CORP NEW COM 29364G103 11 300 SH DEFINED 0 300 0
SUBURBAN AGENCY CORP 293990040 0 10 SH DEFINED 0 10 0
EQUITABLE RES INC COM 294549100 9 150 SH SOLE 150 0 0
EQUITY OFFICE PROPERTIES TRUCOM 294741103 10 351 SH SOLE 351 0 0
EXCELSIOR INCOME SHS INC COM 300723103 15 1000 SH DEFINED 1000 0 0
EXODUS COMMUNICATIONS INC COM 302088109 17 350 SH SOLE 350 0 0
EXXON MOBIL CORP COM 30231G102 3805 42702 SH SOLE 41974 428 300
EXXON MOBIL CORP COM 30231G102 1178 13220 SH DEFINED 4923 7997 300
FPL GROUP INC COM 302571104 124 1900 SH SOLE 1900 0 0
FPL GROUP INC COM 302571104 82 1250 SH DEFINED 800 450 0
FEDERAL NATL MTG ASSN COM 313586109 1150 16090 SH SOLE 15440 250 400
FEDERAL NATL MTG ASSN COM 313586109 357 5000 SH DEFINED 3675 850 475
FELCOR LODGING TR INC COM 31430F101 9 400 SH SOLE 400 0 0
FIRST DATA CORP COM 319963104 19 500 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 753 23407 SH SOLE 20657 2750 0
FIRST UN CORP COM 337358105 1430 44438 SH DEFINED 42656 1782 0
FIRST VA BANKS INC COM 337477103 15 375 SH SOLE 375 0 0
FIRSTAR CORP NEW WIS COM 33763V109 91 4109 SH SOLE 4109 0 0
FLEETBOSTON FINL CORP COM 339030108 321 8248 SH SOLE 7748 0 500
FLEETBOSTON FINL CORP COM 339030108 103 2659 SH DEFINED 2084 575 0
FLORIDA PROGRESS CORP COM 341109106 15 300 SH SOLE 300 0 0
FLORIDA PROGRESS CORP COM 341109106 11 225 SH DEFINED 225 0 0
FLOWERS INDS INC COM 343496105 8 450 SH SOLE 450 0 0
FORD MTR CO CAP TR I TOPRS 9% 345343206 12 500 SH DEFINED 500 0 0
FORD MTR CO DEL PFD B 1/2000SH 345370407 13 500 SH DEFINED 500 0 0
FORD MTR CO DEL COM PAR $0.01 345370860 415 16423 SH SOLE 15550 0 873
FORD MTR CO DEL COM PAR $0.01 345370860 87 3465 SH DEFINED 2548 917 0
FORTUNE BRANDS INC COM 349631101 177 6686 SH SOLE 6686 0 0
FORTUNE BRANDS INC COM 349631101 46 1750 SH DEFINED 1750 0 0
FOX ENTMT GROUP INC CL A 35138T107 132 5000 SH SOLE 0 0 5000
FULTON FINANCIAL CORP 360271100 17 870 SH SOLE 870 0 0
FULTON FINANCIAL CORP 360271100 76 3879 SH DEFINED 3643 236 0
GALLAHER GROUP PLC SPONSORED ADR 363595109 131 5676 SH SOLE 5676 0 0
GANNETT INC COM 364730101 63 1200 SH SOLE 1200 0 0
GANNETT INC COM 364730101 50 950 SH DEFINED 950 0 0
GAP INC DEL COM 364760108 4 230 SH SOLE 230 0 0
GAP INC DEL COM 364760108 5 250 SH DEFINED 250 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
GATEWAY INC COM 367626108 9 200 SH SOLE 200 0 0
GENERAL ELEC CO COM 369604103 21459 372047 SH SOLE 349497 2100 20450
GENERAL ELEC CO COM 369604103 2288 39670 SH DEFINED 10920 27850 900
GENERAL MLS INC COM 370334104 55 1560 SH SOLE 1560 0 0
GENERAL MLS INC COM 370334104 14 400 SH DEFINED 400 0 0
GENERAL MTRS CORP COM 370442105 708 10906 SH SOLE 10586 122 198
GENERAL MTRS CORP COM 370442105 297 4576 SH DEFINED 2335 2241 0
GENERAL MTRS CORP PREF G DEP1/4S 370442790 5 200 SH SOLE 200 0 0
GENERAL MTRS CORP CL H NEW 370442832 0 10 SH SOLE 10 0 0
GENESIS HEALTH VENTURES INC COM 371912106 0 5000 SH DEFINED 5000 0 0
GENTING BERHAD ADR 372452201 14 5500 SH SOLE 5500 0 0
GENTING BERHAD ADR 372452201 17 7000 SH DEFINED 7000 0 0
GENUINE PARTS CO COM 372460105 8 450 SH DEFINED 450 0 0
GILLETTE CO COM 375766102 15 500 SH DEFINED 500 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 6 100 SH SOLE 100 0 0
GLAXO WELLCOME PLC SPONSORED ADR 37733W105 36 600 SH DEFINED 600 0 0
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
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 37 2000 SH SOLE 2000 0 0
HALLIBURTON CO COM 406216101 26 550 SH SOLE 550 0 0
HARBOR FLA BANCSHARES INC COM 411901101 21 1802 SH SOLE 1802 0 0
HARLEYSVILLE NATL CORP PA COM 412850109 89 2956 SH SOLE 2956 0 0
HARSCO CORP COM 415864107 4 200 SH SOLE 200 0 0
HARTFORD FINL SVCS GROUP INC COMMON REINV 41651510R 40 558 SH DEFINED 558 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 21 300 SH SOLE 300 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 36 500 SH DEFINED 0 500 0
HASBRO INC COM 418056107 74 6534 SH DEFINED 6534 0 0
HEINZ H J CO COM 423074103 334 9036 SH SOLE 8136 900 0
HEINZ H J CO COM 423074103 124 3350 SH DEFINED 575 2775 0
HERCULES TR 1 TOPRS 9.42% 427097209 4 200 SH SOLE 200 0 0
HERSHEY FOODS CORP COM 427866108 67 1250 SH SOLE 1250 0 0
HEWLETT PACKARD CO COM 428236103 1783 18388 SH SOLE 15988 400 2000
HEWLETT PACKARD CO COM 428236103 378 3900 SH DEFINED 2700 1000 200
HOME DEPOT INC COM 437076102 749 14125 SH SOLE 13925 0 200
HOME DEPOT INC COM 437076102 261 4925 SH DEFINED 2775 1550 600
HONEYWELL INTL INC COM 438516106 27 785 SH SOLE 785 0 0
HONEYWELL INTL INC COM 438516106 205 5756 SH DEFINED 5756 0 0
HOUSEHOLD INTL INC COM 441815107 50 900 SH SOLE 900 0 0
HSBC BK PLC SP ADR UNIT D 44328M849 2 100 SH SOLE 100 0 0
HUDSON UNITED BANCORP COM 444165104 11 421 SH SOLE 421 0 0
ITT INDS INC COMMON REINV 45091110R 10 310 SH DEFINED 310 0 0
ITT INDS INC IND COM 450911102 4 150 SH SOLE 150 0 0
ILLINOIS TOOL WKS INC COM 452308109 44 800 SH SOLE 800 0 0
ILLINOIS TOOL WKS INC COM 452308109 22 400 SH DEFINED 400 0 0
IMPERIAL OIL LTD COM NEW 453038408 4 180 SH DEFINED 0 180 0
INDYMAC MTG HLDGS INC COM 456607100 16 800 SH SOLE 800 0 0
INGERSOLL-RAND CO COM 456866102 25 750 SH SOLE 0 750 0
INGERSOLL-RAND CO COM 456866102 40 1200 SH DEFINED 0 1200 0
INKTOMI CORP COM 457277101 2 25 SH SOLE 25 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
INTEL CORP COM 458140100 1409 33920 SH SOLE 26870 450 6600
INTEL CORP COM 458140100 225 5420 SH DEFINED 3250 1820 350
INTERNATIONAL BUSINESS MACHSCOM 459200101 778 6916 SH SOLE 5956 560 400
INTERNATIONAL BUSINESS MACHSCOM 459200101 303 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 21 900 SH DEFINED 900 0 0
INTL PAPER CO COM 460146103 25 900 SH SOLE 900 0 0
INTL PAPER CO COM 460146103 14 500 SH DEFINED 500 0 0
IPALCO ENTERPRISES INC COM 462613100 34 1500 SH SOLE 1500 0 0
ISHARES INC MSCI GERMAN 464286806 16 850 SH DEFINED 850 0 0
JDS UNIPHASE CORP COM 46612J101 14 150 SH SOLE 150 0 0
JOHNSON & JOHNSON COM 478160104 1988 21170 SH SOLE 17820 350 3000
JOHNSON & JOHNSON COM 478160104 669 7125 SH DEFINED 6175 950 0
KELLOGG CO COM 487836108 9 400 SH SOLE 400 0 0
KELLOGG CO COM 487836108 1 80 SH DEFINED 80 0 0
KEY CORP NEW COM 493267108 35 1400 SH SOLE 1400 0 0
KIMBERLY CLARK CORP COM 494368103 812 14556 SH SOLE 14356 0 200
KIMBERLY CLARK CORP COM 494368103 305 5471 SH DEFINED 4071 850 550
KONINKLIJKE PHILIPS ELECTRS SP ADR NEW2000 500472303 225 5315 SH DEFINED 5315 0 0
KROGER CO COM 501044101 36 1600 SH SOLE 1600 0 0
LAKEHEAD PIPE LINE PARTNERS COM UNIT-CL A 511557100 29 700 SH DEFINED 700 0 0
LIBERTY PPTY TR SH BEN INT 531172104 17 650 SH SOLE 650 0 0
LILLY ELI & CO COM 532457108 719 8875 SH SOLE 8875 0 0
LILLY ELI & CO COM 532457108 170 2100 SH DEFINED 1100 1000 0
LOWES COS INC COM 548661107 305 6800 SH SOLE 6500 0 300
LOWES COS INC COM 548661107 62 1400 SH DEFINED 900 500 0
LUCENT TECHNOLOGIES INC COMMON REINV 54946310R 50 1663 SH SOLE 1663 0 0
LUCENT TECHNOLOGIES INC COMMON REINV 54946310R 16 554 SH DEFINED 554 0 0
LUCENT TECHNOLOGIES INC COM 549463107 974 31903 SH SOLE 18553 0 13350
LUCENT TECHNOLOGIES INC COM 549463107 323 10586 SH DEFINED 5849 4362 375
MBIA INC COM 55262C100 14 200 SH SOLE 200 0 0
MDU RES GROUP INC COM 552690109 40 1350 SH DEFINED 1350 0 0
MANULIFE FINL CORP COM 56501R106 28 1372 SH SOLE 1372 0 0
MARSH & MCLENNAN COS INC COM 571748102 220 1660 SH SOLE 1660 0 0
MARRIOTT INTL INC NEW CL A 571903202 118 3250 SH SOLE 2750 0 500
MATLACK SYS INC COM 576901102 0 81 SH DEFINED 81 0 0
MAY DEPT STORES CO COM 577778103 106 5200 SH SOLE 5200 0 0
MAY DEPT STORES CO COM 577778103 9 450 SH DEFINED 0 450 0
MCDONALDS CORP COM 580135101 411 13625 SH SOLE 13625 0 0
MCDONALDS CORP COM 580135101 138 4600 SH DEFINED 2400 1650 550
MCGRAW HILL COMPANIES INC 580645109 383 6040 SH SOLE 6040 0 0
MCGRAW HILL COMPANIES INC 580645109 96 1525 SH DEFINED 300 950 275
MEDALLION FINL CORP COM 583928106 8 500 SH SOLE 500 0 0
MEDIMMUNE INC COM 584699102 46 600 SH SOLE 600 0 0
MEDIMMUNE INC COM 584699102 0 3 SH DEFINED 3 0 0
MEDTRONIC INC COM 585055106 342 6620 SH SOLE 6420 0 200
MEDTRONIC INC COM 585055106 151 2925 SH DEFINED 1950 500 475
MELLON FINL CORP COM 58551A108 197 4250 SH SOLE 4250 0 0
MELLON FINL CORP COM 58551A108 37 816 SH DEFINED 816 0 0
MUTUAL RESOURCES INC 587990045 7 1000 SH SOLE 0 0 1000
MERCK & CO INC COM 589331107 2887 38790 SH SOLE 28506 84 10200
MERCK & CO INC COM 589331107 948 12740 SH DEFINED 5740 7000 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ML EUROFUND CL B 323 589922103 1 133 SH DEFINED 133 0 0
MERRILL LYNCH & CO 590188108 92 1400 SH SOLE 1400 0 0
MICROSOFT CORP COM 594918104 838 13895 SH SOLE 11445 150 2300
MICROSOFT CORP COM 594918104 202 3350 SH DEFINED 1150 1900 300
MINNESOTA MNG & MFG CO COM 604059105 687 7545 SH SOLE 2545 0 5000
MINNESOTA MNG & MFG CO COM 604059105 88 975 SH DEFINED 700 275 0
MOLEX INC COM 608554101 68 1250 SH DEFINED 1250 0 0
MONY GROUP INC COM 615337102 3 84 SH SOLE 84 0 0
MORGAN J P & CO INC COM 616880100 373 2288 SH SOLE 2088 200 0
MORGAN J P & CO INC COM 616880100 47 290 SH DEFINED 90 200 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 300 3283 SH SOLE 3283 0 0
MORGAN STANLEY DEAN WITTER DISCOVER & CO COM617446448 859 9400 SH DEFINED 0 9400 0
MOTOROLA CAP TR I TOPRS 6.68% 620074203 17 800 SH DEFINED 0 800 0
MOTOROLA INC COM 620076109 511 18109 SH SOLE 18109 0 0
MOTOROLA INC COM 620076109 139 4925 SH DEFINED 2850 1700 375
NCR CORP NEW COM 62886E108 2 76 SH SOLE 76 0 0
NPB CAP TR TR PFD SECS 629359209 47 1900 SH DEFINED 1900 0 0
NABISCO GROUP HLDG CORP COM 62952P102 23 824 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 COMM BANCORP COM 635449101 39 1960 SH SOLE 1960 0 0
NATIONAL FUEL GAS CO N J COM 636180101 28 500 SH DEFINED 0 500 0
NATIONAL HEALTH INVS INC COM 63633D104 3 500 SH SOLE 500 0 0
NEW JERSEY RES COM 646025106 34 850 SH SOLE 850 0 0
NEW PLAN EXCEL RLTY TR INC COM 648053106 3 250 SH SOLE 250 0 0
NEWMONT MINING CORP COM 651639106 3 215 SH SOLE 215 0 0
NEWMONT MINING CORP COM 651639106 7 430 SH DEFINED 430 0 0
NEWPORT NEWS SHIPBUILDING INCOM 652228107 14 341 SH SOLE 341 0 0
NISOURCE INC COM 65473P105 38 1600 SH SOLE 1600 0 0
NISOURCE INC COM 65473P105 17 700 SH DEFINED 0 700 0
NOKIA CORP SPONSORED ADR 654902204 146 3690 SH SOLE 3690 0 0
NOKIA CORP SPONSORED ADR 654902204 3 100 SH DEFINED 0 100 0
NORFOLK SOUTHERN CORP COM 655844108 61 4200 SH SOLE 4200 0 0
NORFOLK SOUTHERN CORP COM 655844108 21 1450 SH DEFINED 850 600 0
NORTEL NETWORKS CORP NEW COM 656568102 8 150 SH SOLE 150 0 0
NORTH FORK BANCORPORATION NYCOM 659424105 85 3975 SH SOLE 3975 0 0
NORTHERN TR CORP COM 665859104 34 384 SH SOLE 384 0 0
NURSECARE HEALTH CTR 670576305 0 20 SH SOLE 20 0 0
NVIDIA CORP COM 67066G104 5 70 SH SOLE 70 0 0
OMNICOM GROUP INC COM 681919106 43 600 SH SOLE 350 0 250
OMNICOM GROUP INC COM 681919106 21 300 SH DEFINED 300 0 0
ORACLE CORP COM 68389X105 472 6005 SH SOLE 5625 380 0
ORACLE CORP COM 68389X105 15 200 SH DEFINED 0 200 0
ORVANA MINERALS CORP COM 68759M101 0 1000 SH SOLE 1000 0 0
PECO ENERGY CO COM 693304107 190 3152 SH SOLE 3152 0 0
PECO ENERGY CO COM 693304107 25 424 SH DEFINED 0 424 0
PECO ENERGY CO PFD 4.30 693304305 50 830 SH SOLE 830 0 0
PECO ENERGY CO PFD 4.40 693304404 8 150 SH SOLE 150 0 0
PECO 7.80% PFD 693304826 0 20 SH SOLE 20 0 0
PNC FINANCIAL SERVICES GROUP 693475105 416 6401 SH SOLE 6401 0 0
PNC FINANCIAL SERVICES GROUP 693475105 348 5361 SH DEFINED 5361 0 0
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
PPG INDS INC COM 693506107 344 8684 SH SOLE 7484 1200 0
PPG INDS INC COM 693506107 91 2312 SH DEFINED 0 2312 0
PPL CORP COM 69351T106 564 13515 SH SOLE 13397 118 0
PPL CORP COM 69351T106 307 7374 SH DEFINED 4452 2922 0
PPL ELEC UTILS CORP PFD 3.35% 69351U871 2 50 SH SOLE 50 0 0
PACIFIC TELESIS FING II TOPRS 8.5% 694889205 12 500 SH SOLE 500 0 0
PACTIV CORP COM 695257105 1 100 SH DEFINED 0 100 0
PALATIN TECHNOLOGIES INC COM NEW 696077304 23 4000 SH SOLE 3000 0 1000
PAYLESS SHOESOURCE INC COM 704379106 18 336 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
PEOPLES FIRST INC COM 711051102 108 6751 SH SOLE 5911 0 840
PEPSICO INC COM 713448108 1545 33600 SH SOLE 19500 3800 10300
PEPSICO INC COM 713448108 226 4925 SH DEFINED 1900 2375 650
PFIZER INC COM 717081103 605 13475 SH SOLE 13475 0 0
PFIZER INC COM 717081103 1428 31795 SH DEFINED 18020 13175 600
PHELPS DODGE CORP COM 717265102 6 150 SH SOLE 150 0 0
PHILA PA IDA INC BOND SER 1999C DUE 101528 PFD71781M206 17 800 SH DEFINED 0 800 0
PHILADELPHIA SUBN CORP COM PAR $0.50 718009608 92 3974 SH SOLE 2908 1066 0
PHILIP MORRIS COS INC COM 718154107 324 11025 SH SOLE 7425 2700 900
PHILIP MORRIS COS INC COM 718154107 114 3900 SH DEFINED 0 3900 0
PHILLIPS PETE CO COM 718507106 71 1145 SH SOLE 1145 0 0
PHILLIPS PETE CO COM 718507106 45 720 SH DEFINED 720 0 0
PITNEY BOWES INC COM 724479100 430 10925 SH SOLE 10075 350 500
PITNEY BOWES INC COM 724479100 250 6350 SH DEFINED 5300 600 450
PLUM CREEK TIMBER CO INC COM 729251108 44 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 657 9810 SH SOLE 9810 0 0
PROCTER & GAMBLE CO COM 742718109 203 3030 SH DEFINED 1580 1450 0
PROGRESSIVE CORP OHIO COM 743315103 67 825 SH SOLE 525 0 300
PROGRESSIVE CORP OHIO COM 743315103 12 150 SH DEFINED 0 150 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 177 3975 SH SOLE 3975 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 53 1200 SH DEFINED 500 700 0
PURCHASEPRO COM COM 746144104 43 500 SH DEFINED 500 0 0
QUALCOMM INC COM 747525103 28 400 SH SOLE 400 0 0
QUALCOMM INC COM 747525103 35 500 SH DEFINED 0 500 0
QWEST COMMUNICATIONS INTL INCOM 749121109 339 7070 SH SOLE 7070 0 0
QWEST COMMUNICATIONS INTL INCOM 749121109 27 564 SH DEFINED 494 70 0
RAYTHEON CO CL A 755111309 0 36 SH SOLE 36 0 0
RAYTHEON CO CL A 755111309 2 83 SH DEFINED 0 83 0
RELIANT ENERGY INC COM 75952J108 46 1000 SH SOLE 1000 0 0
REPSOL SPONS ADR 76026T205 274 15000 SH SOLE 0 0 15000
REYNOLDS R J TOB HLDGS INC COM 76182K105 8 274 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 22 742 SH SOLE 742 0 0
ROCKWELL INTL CORP NEW COM 773903109 24 800 SH DEFINED 800 0 0
ROHM & HAAS CO COM 775371107 11 400 SH SOLE 400 0 0
ROHM & HAAS CO COM 775371107 29 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
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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 92 1550 SH SOLE 1250 0 300
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 68 1150 SH DEFINED 900 250 0
SBC COMMUNICATIONS COM 78387G103 1636 32739 SH SOLE 22739 0 10000
SBC COMMUNICATIONS COM 78387G103 354 7089 SH DEFINED 4500 2114 475
SABRE HLDGS CORP CL A 785905100 5 202 SH DEFINED 202 0 0
SANCHEZ COMPUTER ASSOCS INC COM 799702105 10 680 SH DEFINED 680 0 0
SARA LEE CORP COM 803111103 570 28096 SH SOLE 28096 0 0
SARA LEE CORP COM 803111103 75 3700 SH DEFINED 1700 2000 0
SCHERING PLOUGH CORP COM 806605101 1283 27610 SH SOLE 27210 0 400
SCHERING PLOUGH CORP COM 806605101 262 5640 SH DEFINED 1540 4100 0
SCHLUMBERGER LTD COM 806857108 834 10136 SH SOLE 10136 0 0
SCHLUMBERGER LTD COM 806857108 353 4300 SH DEFINED 2700 1300 300
SEAGRAM LTD COM 811850106 295 5150 SH SOLE 150 0 5000
SEARS ROEBUCK & CO COM 812387108 69 2144 SH SOLE 2144 0 0
SEARS ROEBUCK & CO COM 812387108 144 4448 SH DEFINED 0 4448 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 520 7581 SH SOLE 7581 0 0
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 165 2416 SH DEFINED 2416 0 0
SONOCO PRODS CO COM 835495102 45 2534 SH SOLE 2534 0 0
SOUTHERN CO COM 842587107 113 3500 SH SOLE 3500 0 0
SOUTHERN CO COM 842587107 14 450 SH DEFINED 450 0 0
SOUTHWEST AIRLS CO COM 844741108 24 1012 SH SOLE 1012 0 0
SPRINT CORP COM FON GROUP 852061100 5 200 SH SOLE 200 0 0
SPRINT CORP COM FON GROUP 852061100 39 1348 SH DEFINED 1348 0 0
SPRINT CORP PCS COM SER 1 852061506 10 300 SH SOLE 300 0 0
SPRINT CORP PCS COM SER 1 852061506 23 674 SH DEFINED 674 0 0
STAPLES INC COM 855030102 17 1250 SH SOLE 1250 0 0
STAPLES INC COM 855030102 20 1447 SH DEFINED 1035 412 0
STATE STR CORP COM 857477103 58 450 SH SOLE 450 0 0
STEIN MART INC COM 858375108 3 300 SH SOLE 300 0 0
SUMMIT BANCORP 866005101 152 4423 SH SOLE 4423 0 0
SUN MICROSYSTEMS INC COM 866810104 309 2650 SH SOLE 2650 0 0
SUN MICROSYSTEMS INC COM 866810104 23 200 SH DEFINED 200 0 0
SUNTRUST BKS INC COM 867914103 112 2252 SH SOLE 2252 0 0
SUNTRUST BKS INC COM 867914103 67 1350 SH DEFINED 800 0 550
SUSQUEHANNA BANCSHARES INC PCOM 869099101 31 2047 SH SOLE 2047 0 0
TMT TRAILER FERRY 872000997 0 40 SH SOLE 40 0 0
TECO ENERGY INC COM 872375100 23 800 SH SOLE 800 0 0
TECO ENERGY INC COM 872375100 17 600 SH DEFINED 600 0 0
TARGET CORP COM 87612E106 117 4600 SH SOLE 4600 0 0
TARGET CORP COM 87612E106 107 4200 SH DEFINED 1800 2400 0
TAUBMAN CTRS INC PFD A 8.3% 876664202 5 300 SH SOLE 300 0 0
TELEFONICA S A SPONSORED ADR 879382208 594 10000 SH SOLE 0 0 10000
TELEFONOS DE MEXICO SA SPONSORED ADR 879403780 10 200 SH SOLE 200 0 0
TELLABS INC COM 879664100 85 1800 SH SOLE 1800 0 0
TELLABS INC COM 879664100 18 382 SH DEFINED 382 0 0
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
TENAGA NASIONAL BERHAD SPONSORED ADR 880277108 5 500 SH SOLE 500 0 0
TENAGA NASIONAL BERHAD SPONSORED ADR 880277108 9 800 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
TENNECO AUTOMOTIVE INC COM 880349105 0 20 SH DEFINED 0 20 0
TEXACO INC COMMON REINV 88169410R 92 1764 SH DEFINED 1764 0 0
TEXACO INC COM 881694103 107 2056 SH SOLE 1820 236 0
TEXACO INC COM 881694103 15 300 SH DEFINED 0 300 0
TEXAS INSTRS INC COM 882508104 5 125 SH SOLE 125 0 0
TIME WARNER INC COM 887315109 841 10750 SH SOLE 750 0 10000
TIME WARNER INC COM 887315109 19 250 SH DEFINED 250 0 0
TORCHMARK CORP COM 891027104 13 500 SH SOLE 500 0 0
TRICON GLOBAL RESTAURANTS COM 895953107 233 7620 SH SOLE 1650 270 5700
TYCO INTL LTD NEW COM 902124106 193 3725 SH SOLE 2125 0 1600
TYCO INTL LTD NEW COM 902124106 25 500 SH DEFINED 0 0 500
UDS CAP I TOPRS 8.32% 902655208 4 200 SH SOLE 200 0 0
UGI CORP NEW COM 902681105 11 492 SH SOLE 492 0 0
US BANCORP DEL COM 902973106 31 1400 SH SOLE 1400 0 0
USEC INC COM 90333E108 3 800 SH SOLE 800 0 0
UNILEVER PLC SPON ADR NEW 904767704 32 1225 SH SOLE 1225 0 0
UNION CARBIDE CORP COMMON REINV 90558110R 19 526 SH DEFINED 526 0 0
UNION PAC CORP COM 907818108 101 2605 SH SOLE 2605 0 0
UNISYS CORP COM 909214108 11 1000 SH SOLE 1000 0 0
UNITED PARCEL SERVICE INC CL B 911312106 19 350 SH SOLE 350 0 0
UNOCAL CORP COM 915289102 11 312 SH SOLE 312 0 0
UNOCAL CORP COM 915289102 24 700 SH DEFINED 700 0 0
UTILICORP UNITED INC 918005109 19 750 SH DEFINED 750 0 0
VECTOR GROUP LTD COM 92240M108 5 315 SH SOLE 0 0 315
VERIZON COMMUNICATIONS COM 92343V104 3526 72814 SH SOLE 54780 1210 16824
VERIZON COMMUNICATIONS COM 92343V104 1035 21379 SH DEFINED 11906 9098 375
VIACOM INC CL A 925524100 1 20 SH DEFINED 20 0 0
VIACOM INC CL B 925524308 12 217 SH SOLE 0 0 217
VIACOM INC CL B 925524308 67 1148 SH DEFINED 823 325 0
100% CAPITAL STOCK-J RICHARD VISHNESKI, INC 926000993 0 1 SH DEFINED 0 1 0
VISTEON CORP COM 92839U107 15 1058 SH SOLE 993 0 65
VISTEON CORP COM 92839U107 3 258 SH DEFINED 190 68 0
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 4 100 SH SOLE 100 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 103 2787 SH SOLE 2787 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W100 18 500 SH DEFINED 400 100 0
VORNADO RLTY TR SH BEN INT 929042109 11 300 SH SOLE 300 0 0
VORNADO RLTY TR PFD B SBI 8.5% 929042307 4 200 SH SOLE 200 0 0
WACHOVIA CORP COM 929771103 11 200 SH SOLE 200 0 0
WACHOVIA CORP COM 929771103 31 550 SH DEFINED 550 0 0
WADDELL & REED FINL INC CL A 930059100 1 42 SH SOLE 42 0 0
WADDELL & REED FINL INC CL B 930059209 5 183 SH SOLE 183 0 0
WAL MART STORES INC COM 931142103 636 13225 SH SOLE 13225 0 0
WAL MART STORES INC COM 931142103 240 5005 SH DEFINED 2505 1900 600
WALGREEN CO COM 931422109 11 300 SH SOLE 300 0 0
WALGREEN CO COM 931422109 17 450 SH DEFINED 0 450 0
WASHINGTON FED INC COM 938824109 8 363 SH SOLE 363 0 0
WASHINGTON MUT INC COM 939322103 24 609 SH SOLE 609 0 0
WASHINGTON MUT INC COM 939322103 74 1877 SH DEFINED 1627 250 0
WELLS FARGO & CO NEW COM 949746101 273 5950 SH SOLE 5950 0 0
WELLS FARGO & CO NEW COM 949746101 121 2650 SH DEFINED 2250 400 0
W C HOMES INC 950990044 0 245 SH SOLE 245 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
WHIRLPOOL CORP COM 963320106 3 100 SH SOLE 100 0 0
WILLIAMS COMMUNICATIONS GROUCL A 969455104 13 650 SH SOLE 650 0 0
WILLIAMS COS INC DEL COM 969457100 49 1175 SH SOLE 1175 0 0
WILMINGTON TRUST CORP COM 971807102 41 765 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 127 4190 SH SOLE 4190 0 0
WORLDCOM INC GA NEW COM 98157D106 19 637 SH DEFINED 187 450 0
XCEL ENERGY INC COM 98389B100 7 279 SH DEFINED 279 0 0
XEROX CORP COM 984121103 61 4100 SH SOLE 3700 0 400
XEROX CORP COM 984121103 88 5900 SH DEFINED 4900 1000 0
YAHOO INC COM 984332106 6 70 SH SOLE 70 0 0
GRAND TOTALS 122868 2484135 1975294 256464 252377
</TABLE>