UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar year or Quarter Ended:
September 30, 1999
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.): [ ] is a
restatement.
[ ] adds new holdings
entries.
Institutional Investment Manager Filing This
Report:
Name: Bar Harbor Banking and Trust Company
Address: 82 Main Street, P.O. Box 218
Bar Harbor, ME 04609-0218
L3F File Number: 28-7348
The institutional investment manager filing this
report and the
person by whom it is signed hereby represent that
the person
signing the 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: Faye A. Geel
Title: Trust Officer
Phone: 207-288-9071
Signature, Place, and Date of Signing:
Faye A. Geel Bar Harbor, Maine
November 10, 1999
Report Type (Check only one.):
[ X ] 13F HOLDINGS REPORT.
[ ] 13F NOTICE.
[ ] 13F COMBINATION REPORT.
List of Other Managers Reporting for this Manager:
Bar Harbor Bankshares
I AM SIGNING THIS REPORT AS REQUIRED BY THE
SECURITIES EXCHANGE
ACT OF 1934.
<PAGE>
FORM 13F
INFORMATION TABLE
<TABLE>
<CAPTION>
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
<S> <C> <C> <C> <C> <C> <C> <C> <C>
<C> <C>
AFLAC INC COM 001055102 1190 28424
SH DEFINED 01 28424
AT&T CORP COM 001957109 1629 42454
SH DEFINED 01 38537 3917
ABBOTT LABS COM 002824100 995 27108
SH DEFINED 01 26508 600
ALLTEL CORP COM 020039103 962 13665
SH DEFINED 01 13665 200
AMERICA ONLINE INC DEL COM 02364J104 539 5177
SH DEFINED 01 2652 2525
AMERICAN HOME PRODS CORP COM 026609107 942 22701
SH DEFINED 01 20701 2000
AMERICAN INTL GROUP INC COM 026874107 1852 21301
SH DEFINED 01 19868 1433
AMERITECH CORP NEW COM 030954101 1367 20472
SH DEFINED 01 18024 2448
ANHEUSER BUSCH COS INC COM 035229103 952 13595
SH DEFINED 01 12695 900
ATLANTIC RICHFIELD CO COM 048825103 945 10664
SH DEFINED 01 10164 500
AUTOMATIC DATA PROCESSING INC COM 053015103 430 9628
SH DEFINED 01 9628
BP AMOCO P L C SPONSORED ADR 055622104 480 4334
SH DEFINED 01 4334
BANK OF AMERICA CORPORATION COM 060505104 295 5300
SH DEFINED 01 5300
BAR HBR BANKSHARES COM 066849100 10429 474027
SH DEFINED 01 149080 324947
BELL ATLANTIC CORP COM 077853109 1917 28485
SH DEFINED 01 25035 3450
BELLSOUTH CORP COM 079860102 1858 41285
SH DEFINED 01 37100 4180
BESTFOODS COM 08658U101 536 11028
SH DEFINED 01 10228 800
BOEING CO COM 097023105 282 6623
SH DEFINED 01 6533 90
BRIGGS & STRATTON CORP COM 109043109 313 5360
SH DEFINED 01 4310 1050
BRISTOL MYERS SQUIBB CO COM 110122108 3975 58894
SH DEFINED 01 57894 1000
CAMPBELL SOUP CO COM 134429109 517 13200
SH DEFINED 01 12400 800
CATERPILLAR INC DEL COM 149123101 916 16705
SH DEFINED 01 15330 1375
CHASE MANHATTAN CORP NEW COM 16161A108 515 6835
SH DEFINED 01 6720 115
CHEVRON CORPORATION COM 166751107 959 10807
SH DEFINED 01 10732 75
CISCO SYS INC COM 17275R102 3012 43929
SH DEFINED 01 41883 2046
CITIGROUP INC COM 172967101 2081 47295
SH DEFINED 01 45720 1575
CLARCOR INC COM 179895107 251 14937
SH DEFINED 01 14187 750
CLOROX CO DEL COM 189054109 470 12300
SH DEFINED 01 12300
COCA COLA CO COM 191216100 2036 42196
SH DEFINED 01 41926 270
COLGATE PALMOLIVE CO COM 194162103 307 6700
SH DEFINED 01 6700
COMPAQ COMPUTER CORP COM 204493100 904 39513
SH DEFINED 01 36313 3200
COOPER TIRE & RUBR CO COM 216831107 184 10450
SH DEFINED 01 10450
DEERE & CO COM 244199105 227 5875 SH
DEFINED 01 5475 400
DELL COMPUTER CORP COM 247025109 565 13511
SH DEFINED 01 10821 2690
DISNEY WALT CO COM 254687106 586 22544
SH DEFINED 01 22044 500
DOVER CORP COM 260003108 200 4900
SH DEFINED 01 4900
DU PONT E I DE NEMOURS & CO COM 263534109 710 11729
SH DEFINED 01 11729
DUKE ENERGY CORP COM 264399106 738 13380
SH DEFINED 01 13255 125
DUN & BRADSTREET CORP DEL COM 26483B106 206 6900
SH DEFINED 01 6900
EATON CORP COM 278058102 960 11125
SH DEFINED 01 10550 575
EDWARDS AG INC COM 281760108 463 17551
SH DEFINED 01 17551
EMERSON ELEC CO COM 291011104 1787 28275
SH DEFINED 01 26925 1350
ENRON CORP COM 293561106 240 5850 SH
DEFINED 01 5850
EXXON CORP COM 302290101 9258 121817
SH DEFINED 01 117172 4645
FNB CORP PA COM 302520101 304 12538
SH DEFINED 01 12538
FEDERAL NATL MTG ASSN COM 313586109 1229 19612
SH DEFINED 01 19212 400
FEDERAL SIGNAL CORP COM 313855108 231 11623
SH DEFINED 01 11623
FIFTH THIRD BANCORP COM 316773100 265 4349
SH DEFINED 01 4349
FIRST UN CORP COM 337358105 308 8638
SH DEFINED 01 8638
FLEET FINL GROUP INC NEW COM 338915101 837 22856
SH DEFINED 01 22606 250
FORD MTR CO DEL COM 345370100 382 7593
SH DEFINED 01 6843 750
FRONTIER CORPORATION COM 35906P105 302 6100
SH DEFINED 01 6100
GTE CORP COM 362320103 771 10028
SH DEFINED 01 9928 100
GANNETT INC COM 364730101 208 3000
SH DEFINED 01 2800 200
GENERAL ELEC CO COM 369604103 21151 178398
SH DEFINED 01 171493 6905
GENERAL MTRS CORP COM 370442105 258 4101
SH DEFINED 01 4101
GENUINE PARTS CO COM 372460105 412 15495
SH DEFINED 01 14120 1375
GEORGIA PAC CORP COM GA PAC GRP 373298108 310 7658
SH DEFINED 01 7658
GILLETTE CO COM 375766102 1981 58373
SH DEFINED 01 57823 550
GOODYEAR TIRE & RUBR CO COM 382550101 252 5235
SH DEFINED 01 4710 525
HANNAFORD BROS CO COM 410550107 899 12761
SH DEFINED 01 11911 850
HEINZ H J CO COM 423074103 213 4942
SH DEFINED 01 4942
HERSHEY FOODS CORP COM 427866108 1151 23634
SH DEFINED 01 22334 1300
HEWLETT PACKARD CO COM 428236103 1638 18046
SH DEFINED 01 17151 895
HOME DEPOT INC COM 437076102 1894 27598
SH DEFINED 01 23474 4124
INGERSOLL RAND CO COM 456866102 986 17955
SH DEFINED 01 17805 150
INTEL CORP COM 458140100 3623 48750
SH DEFINED 01 48120 630
INTERNATIONAL BUSINESS MACHS COM 459200101 1076 8890
SH DEFINED 01 8138 752
INTL PAPER CO COM 460146103 210 4179
SH DEFINED 01 4179
JEFFERSON PILOT CORP COM 475070108 258 4075
SH DEFINED 01 4075
JOHNSON & JOHNSON COM 478160104 2859 31119
SH DEFINED 01 30519 600
KEYCORP NEW COM 493267108 491 19040
SH DEFINED 01 14644 4396
KIMBERLY CLARK CORP COM 494368103 435 8252
SH DEFINED 01 8252
LILLY ELI & CO COM 532457108 605 9418
SH DEFINED 01 9418
LUCENT TECHNOLOGIES INC COM 549463107 2975 45858
SH DEFINED 01 42884 2974
MCI WORLDCOM INC COM 55268B106 516 7181
SH DEFINED 01 6816 365
MCDONALDS CORP COM 580135101 1041 24070
SH DEFINED 01 23070 1000
MEDTRONIC INC COM 585055106 880 24742
SH DEFINED 01 23642 1100
MERCK & CO INC COM 589331107 3733 57604
SH DEFINED 01 53309 4295
MICROSOFT CORP COM 594918104 6018 66450
SH DEFINED 01 62403 4047
MINNESOTA MNG & MFG CO COM 604059105 601 6257
SH DEFINED 01 4407 1850
MINNESOTA PWR INC COM 604110106 263 15000
SH DEFINED 01 15000
MOBIL CORP COM 607059102 3421 33957
SH DEFINED 01 33157 800
MONSANTO CO COM 611662107 390 10925
SH DEFINED 01 10725 200
MORGAN J P & CO INC COM 616880100 487 4262
SH DEFINED 01 3974 288
NISOURCE INC COM 65473P105 951 42975
SH DEFINED 01 39575 3400
NUCOR CORP COM 670346105 406 8514 SH
DEFINED 01 8314 200
PECO ENERGY CO COM 693304107 236 6284
SH DEFINED 01 6284
PNC BK CORP COM 693475105 366 6952
SH DEFINED 01 6952
PPG INDS INC COM 693506107 854 14235
SH DEFINED 01 13510 725
PEPSICO INC COM 713448108 748 24512
SH DEFINED 01 23412 1100
PFIZER INC COM 717081103 1284 35777
SH DEFINED 01 32827 2950
PITNEY BOWES INC COM 724479100 832 13650
SH DEFINED 01 13650
PROCTER & GAMBLE CO COM 742718109 3366 35908
SH DEFINED 01 23773 12135
R H DONNELLEY CORP COM NEW 74955W307 526 28210
SH DEFINED 01 28210
RAYTHEON CO CL B 755111408 347 6991
SH DEFINED 01 6591 400
RELIANT ENERGY INC COM 75952J108 234 8650
SH DEFINED 01 8650
ROHM & HAAS CO COM 775371107 492 13611
SH DEFINED 01 12861 750
ROYAL DUTCH PETE CO NY REG GLD1.25 780257804 618 10471
SH DEFINED 01 10371 100
SBC COMMUNICATIONS INC COM 78387G103 1786 34984
SH DEFINED 01 31860 3124
SARA LEE CORP COM 803111103 933 39900
SH DEFINED 01 38900 1000
SCHERING PLOUGH CORP COM 806605101 462 10596
SH DEFINED 01 8596 2000
SCHLUMBERGER LTD COM 806857108 388 6230
SH DEFINED 01 6055 175
SMITHKLINE BEECHAM PLC ADR REP ORD 832378301 677 11750
SH DEFINED 01 11750
SNAP ON INC COM 833034101 607 18685
SH DEFINED 01 17110 1575
SOUTHWEST AIRLS CO COM 844741108 357 23511
SH DEFINED 01 23511
SPRINT CORP COM FON GROUP 852061100 475 8757
SH DEFINED 01 7957 800
STANLEY WKS COM 854616109 259 10283
SH DEFINED 01 10283
STAPLES INC COM 855030102 465 21320
SH DEFINED 01 21080 240
STATE STR CORP COM 857477103 507 7851
SH DEFINED 01 7851
SUN MICROSYSTEMS INC COM 866810104 1162 12490
SH DEFINED 01 12390 100
SUNTRUST BKS INC COM 867914103 982 14929
SH DEFINED 01 14879 50
SYNOVUS FINL CORP COM 87161C105 192 10265
SH DEFINED 01 6265 4000
TECO ENERGY INC COM 872375100 540 25564
SH DEFINED 01 25564
TEXACO INC COM 881694103 267 4231
SH DEFINED 01 4231
3COM CORP COM 885535104 282 9803
SH DEFINED 01 9603 200
TIME WARNER INC COM 887315109 429 7067
SH DEFINED 01 6567 500
TYCO INTL LTD NEW COM 902124106 924 8946
SH DEFINED 01 8796 150
UST INC COM 902911106 242 8000
SH DEFINED 01 8000
UNION PAC CORP COM 907818108 279 5801
SH DEFINED 01 5801
U S WEST INC NEW COM 91273H101 901 15787
SH DEFINED 01 14635 1152
UNITED TECHNOLOGIES CORP COM 913017109 297 5008
SH DEFINED 01 5008
UNIVERSAL FOODS CORP COM 913538104 436 19025
SH DEFINED 01 18075 950
UNOCAL CORP COM 915289102 798 21526
SH DEFINED 01 21526
V F CORP COM 918204108 235 7580
SH DEFINED 01 7180 400
WAL MART STORES INC COM 931142103 2087 43885
SH DEFINED 01 40335 3550
WALGREEN CO COM 931422109 208 8200
SH DEFINED 01 8200
WARNER LAMBERT CO COM 934488107 1436 21634
SH DEFINED 01 20509 1125
VODAFONE AIRTOUCH PLC SPONSORED ADR 92857T107 279 1172
SH DEFINED 01 849 323
</TABLE>
<PAGE>
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers 1
Form 13F Information Table Entry Total: 129
Form 13F Information Table Value Total: $155,996
List of other Included Managers:
No. 13F File Number Name
841105-D Bar Harbor Bankshares
<PAGE>
