FIRST COMMUNITY BANK TRUST & FINANCIAL SERVICES DIVISON
13F-HR, 1999-04-15
Previous: VIRTUAL TECHNOLOGY CORP, S-8 POS, 1999-04-15
Next: COMMUNITY REINVESTMENT ACT QUALIFIED INVESTMENT FUND, N-1A/A, 1999-04-15


                      UNITED STATES
                  SECURITIES AND EXCHANGE COMMISSION
                        Washington, D.C.  20549

                              FORM 13F

                        FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 03/31/99

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:    FIRST COMMUNITY BANK TRUST & FINANCIAL SVCS. DIV.
Address: 211 FEDERAL
         P.O. BOX 950
         BLUEFIELD, WV 24701-0950

13F File Number:

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:     ROBERT L. SCHUMACHER
Title:    VICE PRES. & SR. TRUST OFFICER
Phone:    (304)325-7151
Signature, Place, and Date of Signing:

    FIRST COMMUNITY BANK TRUST & FINANCIAL SVCS. DIV.  BLUEFIELD, WV    APRIL 09


Report Type (Check only one.):

[ X]        13F HOLDINGS REPORT.

[  ]        13F NOTICE.

[  ]        13F COMBINATION REPORT.





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:       0

Form 13F Information Table Entry Total:      226

Form 13F Information Table Entry Total:       $141,826



List of Other Included Managers:

NONE


<PAGE>
<TABLE>                        <C>                                            <C>
                                                                FORM 13F
INFORMATION TABLE
                                                           VALUE   SHARES/  SH/
PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (x$1000) PRN AMT  PRN
CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
- ------------------------------ ---------------- --------- -------- --- ---  ---
- ---- ------- ------------- ------- --------- ------
AT & T CORPORATION COMMON STOC COM              001957109     2756    34537 SH 
     SOLE                    32702      887      948
AT & T CORPORATION COMMON STOC COM              001957109      812    10176 SH 
     DEFINED                  7776     2400
ABBOTT LABORATORIES INC        COM              002824100     2457    52500 SH 
     SOLE                    51300              1200
ABBOTT LABORATORIES INC        COM              002824100      383     8200 SH 
     DEFINED                  6600     1600
AIRTOUCH COMMUNICATIONS        COM              00949T100      926     9586 SH 
     SOLE                     8546      240      800
AIRTOUCH COMMUNICATIONS        COM              00949T100      296     3068 SH 
     DEFINED                  2708      360
ALCOA, INC.                    COM              013817101      152     3700 SH 
     SOLE                     3700
ALCOA, INC.                    COM              013817101      201     4900 SH 
     DEFINED                  4900
ALLEGHENY ENERGY, INC.         COM              017361106      148     5044 SH 
     SOLE                     5044
ALLEGHENY ENERGY, INC.         COM              017361106      106     3600 SH 
     DEFINED                  3000      600
ALLTEL CORPORATION COMMON STOC COM              020039103      143     2300 SH 
     SOLE                     2300
ALLTEL CORPORATION COMMON STOC COM              020039103       75     1204 SH 
     DEFINED                  1204
AMBAC FINANCIAL GROUP, INC.    COM              023139108      194     3600 SH 
     SOLE                     3200               400
AMBAC FINANCIAL GROUP, INC.    COM              023139108      194     3600 SH 
     DEFINED                  3600
AMERICAN ELECTRIC POWER COMPAN COM              025537101      690    17404 SH 
     SOLE                    16009      775      620
AMERICAN ELECTRIC POWER COMPAN COM              025537101      143     3624 SH 
     DEFINED                  1380     2244
AMERICAN EXPRESS CO. COMMON ST COM              025816109     1374    11675 SH 
     SOLE                    11050               625
AMERICAN EXPRESS CO. COMMON ST COM              025816109      453     3850 SH 
     DEFINED                  3350      500
AMERICAN HOME PRODUCTS CORP.   COM              026609107     1226    18800 SH 
     SOLE                    17600              1200
AMERICAN HOME PRODUCTS CORP.   COM              026609107      652    10000 SH 
     DEFINED                  8400     1600
AMERITECH CORPORATION COMMON S COM              030954101     2088    36242 SH 
     SOLE                    33130     1248     1864
AMERITECH CORPORATION COMMON S COM              030954101     1019    17700 SH 
     DEFINED                 11820     5880
AON CORPORATION COMMON STOCK   COM              037389103      256     4050 SH 
     SOLE                     4050
ATLANTIC RICHFIELD CO COMMON   COM              048825103      302     4138 SH 
     SOLE                     4138
ATLANTIC RICHFIELD CO COMMON   COM              048825103      197     2700 SH 
     DEFINED                  2300      400
AUTOMATIC DATA PROCESSING, INC COM              053015103      407     9850 SH 
     SOLE                     9850
AUTOMATIC DATA PROCESSING, INC COM              053015103       41     1000 SH 
     DEFINED                  1000
B B & T CORPORATION            COM              054937107      108     3000 SH 
     SOLE                     3000
B B & T CORPORATION            COM              054937107      199     5525 SH 
     DEFINED                  5525
BP AMOCO PLC                   COM              055622104      278     2760 SH 
     SOLE                     2760
BP AMOCO PLC                   COM              055622104      665     6587 SH 
     DEFINED                  6410      177
BANK ONE CORPORATION           COM              06423A103      554    10065 SH 
     SOLE                    10065
BANKAMERICA CORPORATION        COM              06605F102      443     6279 SH 
     SOLE                     6129               150
BANKAMERICA CORPORATION        COM              06605F102      204     2900 SH 
     DEFINED                  2700      200
BARD (C.R.), INC.              COM              067383109       25      500 SH 
     SOLE                      500
BARD (C.R.), INC.              COM              067383109      176     3500 SH 
     DEFINED                  3500
BELL ATLANTIC CORPORATION      COM              077853109     2116    40950 SH 
     SOLE                    38198     1402     1350
BELL ATLANTIC CORPORATION      COM              077853109      650    12588 SH 
     DEFINED                  9868     2720
BELLSOUTH CORPORATION          COM              079860102     3503    87456 SH 
     SOLE                    84884     1872      700
BELLSOUTH CORPORATION          COM              079860102      849    21204 SH 
     DEFINED                 14484     6720
BERKSHIRE HATHAWAY, INC.       COM              084670207      310      132 SH 
     SOLE                      117                15
BERKSHIRE HATHAWAY, INC.       COM              084670207      122       52 SH 
     DEFINED                    52
BESTFOODS COMMON STOCK         COM              08658U101      646    13752 SH 
     SOLE                     9352     1600     2800
BESTFOODS COMMON STOCK         COM              08658U101        7      156 SH 
     DEFINED                   156
BRISTOL-MYERS SQUIBB CO.       COM              110122108     2878    44896 SH 
     SOLE                    42896      800     1200
BRISTOL-MYERS SQUIBB CO.       COM              110122108      782    12200 SH 
     DEFINED                 12200
CSX CORPORATION COMMON STOCK   COM              126408103      287     7372 SH 
     SOLE                     6572      200      600
CSX CORPORATION COMMON STOCK   COM              126408103      186     4800 SH 
     DEFINED                  4700      100
CAMPBELL SOUP CO COMMON STOCK  COM              134429109      179     4400 SH 
     SOLE                     3600               800
CAMPBELL SOUP CO COMMON STOCK  COM              134429109      122     3000 SH 
     DEFINED                  3000
CAROLINA POWER & LIGHT CO      COM              144141108      234     6200 SH 
     SOLE                     6200
CHASE MANHATTAN CORP (NEW)     COM              16161A108      238     2926 SH 
     SOLE                     2926
CHASE MANHATTAN CORP (NEW)     COM              16161A108       16      200 SH 
     DEFINED                   200
CHEVRON CORPORATION            COM              166751107     1910    21526 SH 
     SOLE                    21001               525
CHEVRON CORPORATION            COM              166751107      597     6728 SH 
     DEFINED                  4060     2668
CISCO SYSTEMS, INC.            COM              17275R102     1009     9214 SH 
     SOLE                     9214
CISCO SYSTEMS, INC.            COM              17275R102       73      675 SH 
     DEFINED                   675
CITIGROUP                      COM              172967101      282     4427 SH 
     SOLE                     3952               475
COCA COLA CO. COMMON STOCK     COM              191216100     1845    30071 SH 
     SOLE                    25787     1600     2684
COCA COLA CO. COMMON STOCK     COM              191216100      862    14050 SH 
     DEFINED                 13450      600
COLGATE-PALMOLIVE CO.          COM              194162103      605     6580 SH 
     SOLE                     5780               800
COLGATE-PALMOLIVE CO.          COM              194162103      138     1500 SH 
     DEFINED                  1500
COMAIR HOLDINGS                COM              199789108      301    12750 SH 
     SOLE                    12750
COMAIR HOLDINGS                COM              199789108       32     1387 SH 
     DEFINED                  1387
COMPAQ COMPUTER CORPORATION    COM              204493100     1125    35528 SH 
     SOLE                    34828      500      200
COMPAQ COMPUTER CORPORATION    COM              204493100      110     3500 SH 
     DEFINED                  2500     1000
DANA CORPORATION               COM              235811106      224     5900 SH 
     SOLE                     5900
DANA CORPORATION               COM              235811106       21      565 SH 
     DEFINED                   565
DOMINION RESOURCES INC         COM              257470104      530    14363 SH 
     SOLE                    11904     1299     1160
DOMINION RESOURCES INC         COM              257470104      277     7500 SH 
     DEFINED                  6150     1350
DOW CHEMICAL COMPANY           COM              260543103      250     2691 SH 
     SOLE                     2691
DU PONT (EI) DE NEMOURS & CO   COM              263534109     1509    25999 SH 
     SOLE                    21339     3160     1500
DU PONT (EI) DE NEMOURS & CO   COM              263534109      330     5700 SH 
     DEFINED                  4200     1500
DUKE ENERGY CORPORATION        COM              264399106     1487    27139 SH 
     SOLE                    25239     1000      900
DUKE ENERGY CORPORATION        COM              264399106      380     6940 SH 
     DEFINED                  5240     1700
EASTMAN KODAK CO COMMON STOCK  COM              277461109      228     3582 SH 
     SOLE                      993              2589
EASTMAN KODAK CO COMMON STOCK  COM              277461109       85     1334 SH 
     DEFINED                   100     1234
A.G. EDWARDS INC.              COM              281760108      241     7400 SH 
     SOLE                     7400
A.G. EDWARDS INC.              COM              281760108      186     5700 SH 
     DEFINED                  5700
EMERSON ELECTRIC COMPANY       COM              291011104      569    10750 SH 
     SOLE                    10500               250
EMERSON ELECTRIC COMPANY       COM              291011104      398     7522 SH 
     DEFINED                  7122      400
EXXON CORP COMMON STOCK        COM              302290101     6452    91438 SH 
     SOLE                    84414     3080     3944
EXXON CORP COMMON STOCK        COM              302290101     1499    21246 SH 
     DEFINED                 12454     8792
FPL GROUP, INC.                COM              302571104      327     6153 SH 
     SOLE                     6153
FPL GROUP, INC.                COM              302571104      388     7300 SH 
     DEFINED                  5900     1400
FREDDIE MAC CORPORATION        COM              313400301      229     4000 SH 
     DEFINED                  4000
FEDERAL NATIONAL MORTGAGE      COM              313586109     1279    18475 SH 
     SOLE                    17075      300     1100
FEDERAL NATIONAL MORTGAGE      COM              313586109      152     2200 SH 
     DEFINED                  2200
FIRST UNION CORPORATION        COM              337358105     1058    19815 SH 
     SOLE                    19110      705
FORD MOTOR CO. COMMON STOCK    COM              345370100      377     6656 SH 
     SOLE                     6256               400
FORD MOTOR CO. COMMON STOCK    COM              345370100       56     1000 SH 
     DEFINED                  1000
FORTUNE BRANDS, INC.           COM              349631101      432    11232 SH 
     SOLE                    10232              1000
FORTUNE BRANDS, INC.           COM              349631101      154     4000 SH 
     DEFINED                  4000
GTE CORPORATION COMMON STOCK   COM              362320103      986    16311 SH 
     SOLE                    15661      450      200
GTE CORPORATION COMMON STOCK   COM              362320103      364     6030 SH 
     DEFINED                  3136     2894
GALLAHER GROUP PLC             COM              363595109      263    11232 SH 
     SOLE                    10232              1000
GALLAHER GROUP PLC             COM              363595109       94     4000 SH 
     DEFINED                  4000
GENERAL ELECTRIC CO. COMMON ST COM              369604103     7069    63905 SH 
     SOLE                    44974    12381     6550
GENERAL ELECTRIC CO. COMMON ST COM              369604103     2076    18775 SH 
     DEFINED                 14050     4725
GENERAL MOTORS CORP COMMON STO COM              370442105      466     5362 SH 
     SOLE                     4116     1000      246
GENERAL MOTORS CORP COMMON STO COM              370442105       12      144 SH 
     DEFINED                   144
GEORGIA-PACIFIC CORP COMMON    COM              373298108      477     6437 SH 
     SOLE                     6437
GILLETTE COMPANY COMMON STOCK  COM              375766102      778    13090 SH 
     SOLE                    13090
GILLETTE COMPANY COMMON STOCK  COM              375766102      511     8600 SH 
     DEFINED                  6600     2000
HEINZ (H J) CO COMMON STOCK    COM              423074103      379     8000 SH 
     SOLE                     6450              1550
HEINZ (H J) CO COMMON STOCK    COM              423074103      397     8400 SH 
     DEFINED                  8400
HELMERICH & PAYNE, INC.        COM              423452101      221     9750 SH 
     SOLE                     9750
HERSHEY FOODS CORP COMMON STOC COM              427866108      235     4200 SH 
     SOLE                     4200
HERSHEY FOODS CORP COMMON STOC COM              427866108       67     1200 SH 
     DEFINED                  1200
HEWLETT PACKARD CO COMMON STOC COM              428236103     1244    18350 SH 
     SOLE                    17150              1200
HEWLETT PACKARD CO COMMON STOC COM              428236103      430     6350 SH 
     DEFINED                  5350     1000
HOME DEPOT INC.                COM              437076102      329     5300 SH 
     SOLE                     4900      400
HOME DEPOT INC.                COM              437076102      353     5671 SH 
     DEFINED                  4069     1602
HUNTINGTON BANCSHARES, INC.    COM              446150104      286     9250 SH 
     SOLE                     9250
ILLINOIS TOOL WORKS, INC.      COM              452308109       30      500 SH 
     SOLE                      500
ILLINOIS TOOL WORKS, INC.      COM              452308109      179     2900 SH 
     DEFINED                  2900
INGERSOLL-RAND CO COMMON STOCK COM              456866102     1765    35581 SH 
     SOLE                    34463      618      500
INGERSOLL-RAND CO COMMON STOCK COM              456866102      558    11253 SH 
     DEFINED                  4215     7038
INTEL CORPORATION COMMON STOCK COM              458140100     1305    10980 SH 
     SOLE                    10380               600
INTEL CORPORATION COMMON STOCK COM              458140100      570     4800 SH 
     DEFINED                  4600      200
INTERNATIONAL BUSINESS MACHINE COM              459200101     1619     9139 SH 
     SOLE                     8785               354
INTERNATIONAL BUSINESS MACHINE COM              459200101      779     4400 SH 
     DEFINED                  3400     1000
JOHNSON & JOHNSON              COM              478160104     2511    26862 SH 
     SOLE                    26262               600
JOHNSON & JOHNSON              COM              478160104      981    10500 SH 
     DEFINED                  8150     2350
JOHNSON CONTROLS, INC          COM              478366107       37      600 SH 
     SOLE                      200               400
JOHNSON CONTROLS, INC          COM              478366107      193     3100 SH 
     DEFINED                  3100
KANSAS CITY SOUTHERN INDUSTRIE COM              485170104      205     3600 SH 
     SOLE                     3600
KEYCORP.                       COM              493267108       24      800 SH 
     SOLE                      800
KEYCORP.                       COM              493267108      210     6950 SH 
     DEFINED                  6950
KIMBERLY-CLARK CORP COMMON STO COM              494368103      210     4400 SH 
     SOLE                     4400
KIMBERLY-CLARK CORP COMMON STO COM              494368103       43      900 SH 
     DEFINED                   900
LILLY (ELI) AND COMPANY        COM              532457108      135     1600 SH 
     SOLE                     1600
LILLY (ELI) AND COMPANY        COM              532457108      199     2349 SH 
     DEFINED                  2349
LOUISIANA-PACIFIC CORP COMMON  COM              546347105      214    11494 SH 
     SOLE                    11494
LUCENT TECHNOLOGIES            COM              549463107     4146    38394 SH 
     SOLE                    35994     1176     1224
LUCENT TECHNOLOGIES            COM              549463107     2210    20468 SH 
     DEFINED                 17756     2712
MBIA, INC.                     COM              55262C100       17      300 SH 
     SOLE                      300
MBIA, INC.                     COM              55262C100      202     3485 SH 
     DEFINED                  3485
MCI WORLDCOM, INC.             COM              55268B106      168     1900 SH 
     SOLE                     1900
MCI WORLDCOM, INC.             COM              55268B106       40      454 SH 
     DEFINED                   454
MCDONALDS CORPORATION          COM              580135101     1368    30204 SH 
     SOLE                    29204              1000
MCDONALDS CORPORATION          COM              580135101      425     9400 SH 
     DEFINED                  8800      600
MEDIA GENERAL, INC.            COM              584404107      209     4500 SH 
     SOLE                     4500
MEDIA GENERAL, INC.            COM              584404107       13      300 SH 
     DEFINED                   300
MEDTRONIC, INC.                COM              585055106      853    11870 SH 
     SOLE                    11870
MEDTRONIC, INC.                COM              585055106      237     3300 SH 
     DEFINED                  2900      400
MERCK & COMPANY, INC.          COM              589331107     2372    29612 SH 
     SOLE                    27496              2116
MERCK & COMPANY, INC.          COM              589331107     1297    16196 SH 
     DEFINED                 12996     3200
MICROSOFT CORPORATION          COM              594918104     1083    12092 SH 
     SOLE                    12092
MICROSOFT CORPORATION          COM              594918104     1039    11600 SH 
     DEFINED                 11600
MINNESOTA MINING & MANUFACTURI COM              604059105      639     9037 SH 
     SOLE                     7837              1200
MINNESOTA MINING & MANUFACTURI COM              604059105      145     2059 SH 
     DEFINED                  1809      250
MOBIL CORP. COMMON STOCK       COM              607059102     1497    17014 SH 
     SOLE                    16214      400      400
MOBIL CORP. COMMON STOCK       COM              607059102      545     6200 SH 
     DEFINED                  5200     1000
MORGAN (J P) & CO INC COMMON   COM              616880100      371     3008 SH 
     SOLE                     3008
MORGAN (J P) & CO INC COMMON   COM              616880100      109      889 SH 
     DEFINED                   889
MOTOROLA INC COMMON STOCK      COM              620076109      633     8650 SH 
     SOLE                     7900      200      550
MOTOROLA INC COMMON STOCK      COM              620076109      241     3300 SH 
     DEFINED                  2900      400
NEW ENGLAND ELECTRIC SYSTEM    COM              644001109      230     4750 SH 
     SOLE                     4450      300
NEW ENGLAND ELECTRIC SYSTEM    COM              644001109        9      200 SH 
     DEFINED                   200
NORFOLK SOUTHERN CORP          COM              655844108     3851   146022 SH 
     SOLE                   139197     3375     3450
NORFOLK SOUTHERN CORP          COM              655844108     1375    52146 SH 
     DEFINED                 45018     7128
ONE VALLEY BANCORP, INC.       COM              682419106       86     2481 SH 
     SOLE                     2481
ONE VALLEY BANCORP, INC.       COM              682419106      196     5625 SH 
     DEFINED                  5625
ORACLE CORPORATION             COM              68389X105      808    30648 SH 
     SOLE                    28248              2400
PEPSICO, INC. COMMON STOCK     COM              713448108      615    15700 SH 
     SOLE                    14000      400     1300
PEPSICO, INC. COMMON STOCK     COM              713448108     1621    41384 SH 
     DEFINED                 39784     1600
PFIZER, INC. COMMON STOCK      COM              717081103     2053    14799 SH 
     SOLE                    11999     1600     1200
PFIZER, INC. COMMON STOCK      COM              717081103      194     1400 SH 
     DEFINED                  1400
PHILIP MORRIS COMPANIES, INC.  COM              718154107      840    23879 SH 
     SOLE                    21029     2400      450
PHILIP MORRIS COMPANIES, INC.  COM              718154107      108     3073 SH 
     DEFINED                  3073
PITNEY BOWES, INC. COMMON STOC COM              724479100      177     2784 SH 
     SOLE                     2784
PITNEY BOWES, INC. COMMON STOC COM              724479100       74     1170 SH 
     DEFINED                  1170
PROCTER & GAMBLE CO COMMON STO COM              742718109     1540    15725 SH 
     SOLE                    13725              2000
PROCTER & GAMBLE CO COMMON STO COM              742718109      460     4700 SH 
     DEFINED                  4700
RAYMOND JAMES FINANCIAL, INC.  COM              754730109      266    13500 SH 
     DEFINED                 13500
RAYTHEON COMPANY CLASS B       COM              755111408      283     4836 SH 
     SOLE                     4836
RAYTHEON COMPANY CLASS B       COM              755111408        9      163 SH 
     DEFINED                   163
RELIANT ENERGY, INC.           COM              75952J108      151     5825 SH 
     SOLE                     5825
RELIANT ENERGY, INC.           COM              75952J108       72     2800 SH 
     DEFINED                  2800
ROSS STORES, INC.              COM              778296103      315     7200 SH 
     SOLE                     7200
ROSS STORES, INC.              COM              778296103       13      305 SH 
     DEFINED                   305
ROYAL DUTCH PETROLEUM COMPANY  COM              780257804      104     2005 SH 
     SOLE                     2005
ROYAL DUTCH PETROLEUM COMPANY  COM              780257804      318     6125 SH 
     DEFINED                  4125     2000
SBC COMMUNICATIONS, INC        COM              78387G103     2933    62168 SH 
     SOLE                    58742     1854     1572
SBC COMMUNICATIONS, INC        COM              78387G103      768    16288 SH 
     DEFINED                 13074     3214
SARA LEE CORPORATION           COM              803111103      400    16200 SH 
     SOLE                    15100      400      700
SARA LEE CORPORATION           COM              803111103      128     5200 SH 
     DEFINED                  4400      800
SCHERING-PLOUGH CORPORATION    COM              806605101      406     7350 SH 
     SOLE                     6950      400
SCHERING-PLOUGH CORPORATION    COM              806605101      397     7200 SH 
     DEFINED                  7200
SCHLUMBERGER LIMITED           COM              806857108      502     8345 SH 
     SOLE                     8045               300
SCHLUMBERGER LIMITED           COM              806857108       90     1500 SH 
     DEFINED                  1500
SOUTHERN CO COMMON STOCK       COM              842587107      343    14749 SH 
     SOLE                    11533     3216
SOUTHERN CO COMMON STOCK       COM              842587107       18      800 SH 
     DEFINED                            800
SOUTHWEST AIRLINES             COM              844741108       57     1900 SH 
     SOLE                     1900
SOUTHWEST AIRLINES             COM              844741108      181     6000 SH 
     DEFINED                  6000
SUN MICROSYSTEMS, INC.         COM              866810104      259     2075 SH 
     SOLE                     2075
SUN MICROSYSTEMS, INC.         COM              866810104       49      392 SH 
     DEFINED                   392
SUNTRUST BANKS, INC.           COM              867914103      449     7217 SH 
     SOLE                     7217
SYSCO CORPORATION              COM              871829107      527    20050 SH 
     SOLE                    20050
SYSCO CORPORATION              COM              871829107       10      400 SH 
     DEFINED                            400
TECO ENERGY INC COMMON STOCK   COM              872375100      187     9441 SH 
     SOLE                     9441
TECO ENERGY INC COMMON STOCK   COM              872375100      260    13100 SH 
     DEFINED                 13100
TANDY CORPORATION              COM              875382103      306     4800 SH 
     SOLE                     4800
TENNECO, INC. (NEW)            COM              88037E101      109     3902 SH 
     SOLE                     3902
TENNECO, INC. (NEW)            COM              88037E101      102     3678 SH 
     DEFINED                  1500     2178
TEXACO INC COMMON STOCK        COM              881694103      269     4753 SH 
     SOLE                     4353               400
TEXACO INC COMMON STOCK        COM              881694103        4       85 SH 
     DEFINED                    85
TYCO INTERNATIONAL, LTD.       COM              902124106       10      150 SH 
     SOLE                      150
TYCO INTERNATIONAL, LTD.       COM              902124106      193     2700 SH 
     DEFINED                  2700
UNITED BANKSHARES, INC. OF     COM              909907107      776    33964 SH 
     SOLE                    33964
U.S. WEST, INC. (NEW)          COM              91273H101      301     5473 SH 
     SOLE                     4300      500      673
U.S. WEST, INC. (NEW)          COM              91273H101       51      931 SH 
     DEFINED                   931
UNITED TECHNOLOGIES CORP COMMO COM              913017109      108      800 SH 
     SOLE                      800
UNITED TECHNOLOGIES CORP COMMO COM              913017109      203     1500 SH 
     DEFINED                  1500
UNIVERSAL FOODS CORP.          COM              913538104      231    11200 SH 
     SOLE                    11200
V F CORPORATION, COMMON STOCK  COM              918204108      308     6500 SH 
     SOLE                     6500
V F CORPORATION, COMMON STOCK  COM              918204108      231     4865 SH 
     DEFINED                  4865
WACHOVIA CORPORATION COMMON ST COM              929771103      508     6268 SH 
     SOLE                     5290      728      250
WACHOVIA CORPORATION COMMON ST COM              929771103      220     2720 SH 
     DEFINED                  2480      240
WAL-MART STORES INC COMMON STO COM              931142103      424     4600 SH 
     SOLE                     4600
WAL-MART STORES INC COMMON STO COM              931142103      553     6000 SH 
     DEFINED                  6000
WARNER-LAMBERT CO COMMON STOCK COM              934488107     2172    32792 SH 
     SOLE                    32492      300
WARNER-LAMBERT CO COMMON STOCK COM              934488107      266     4025 SH 
     DEFINED                  3575      450
XEROX CORPORATION              COM              984121103      424     8150 SH 
     SOLE                     7800               350
XEROX CORPORATION              COM              984121103      187     3600 SH 
     DEFINED                  3000      600
</TABLE>


© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission