FIRST NATIONAL BANK OF CHESTER COUNTY
13F-HR, 2000-10-26
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	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>


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