FIRST COMMUNITY BANK TRUST & FINANCIAL SERVICES DIVISON
13F-HR, 2000-04-28
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                      UNITED STATES
                  SECURITIES AND EXCHANGE COMMISSION
                        Washington, D.C.  20549

                              FORM 13F

                        FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 03/31/00

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:  028-07462

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 03


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:      203

Form 13F Information Table Entry Total:       $140,528



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     2742    48706 SH
SOLE                    46701     1330      675
AT & T CORPORATION COMMON STOC COM              001957109      780    13854 SH
DEFINED                 10404     3450
ABBOTT LABORATORIES INC        COM              002824100     1507    42854 SH       SOLE
                  42854
ABBOTT LABORATORIES INC        COM              002824100      147     4200 SH
DEFINED                  2600     1600
ADOBE SYSTEMS, INC.            COM              00724F101      397     3575 SH       SOLE
          2575              1000
ADOBE SYSTEMS, INC.            COM              00724F101       66      600 SH       DEFINED
             600
ALCOA, INC.                    COM              013817101      277     3950 SH       SOLE
3500       50      400
ALCOA, INC.                    COM              013817101       93     1325 SH       DEFINED
  1325
ALLTEL CORPORATION COMMON STOC COM              020039103      283     4500 SH
SOLE                     4100               400
ALLTEL CORPORATION COMMON STOC COM              020039103       75     1204 SH
DEFINED                  1204
AMERICA ONLINE, INC.           COM              02364J104      306     4550 SH       SOLE
         4550
AMERICAN ELECTRIC POWER COMPAN COM              025537101      452    15168 SH
SOLE                    14668               500
AMERICAN ELECTRIC POWER COMPAN COM              025537101      108     3624 SH
DEFINED                  1380     2244
AMERICAN EXPRESS CO. COMMON ST COM              025816109     1705    11450 SH
SOLE                    10950               500
AMERICAN EXPRESS CO. COMMON ST COM              025816109      372     2500 SH
DEFINED                  2100      400
AMERICAN HOME PRODUCTS CORP.   COM              026609107      851    15842 SH
SOLE                    15282               560
AMERICAN HOME PRODUCTS CORP.   COM              026609107      246     4588 SH
DEFINED                  2988     1600
AMERICAN INTERNATIONAL GROUP   COM              026874107      322     2947 SH
SOLE                     2947
AMERICAN INTERNATIONAL GROUP   COM              026874107       65      600 SH
DEFINED                   600
AMGEN, INC.                    COM              031162100      228     3720 SH       SOLE
3720
ATLANTIC RICHFIELD CO COMMON   COM              048825103      266     3139 SH
SOLE                     3139
ATLANTIC RICHFIELD CO COMMON   COM              048825103      144     1700 SH
DEFINED                  1300      400
AUTOMATIC DATA PROCESSING, INC COM              053015103      436     9050 SH
SOLE                     9050
AUTOMATIC DATA PROCESSING, INC COM              053015103       48     1000 SH
DEFINED                  1000
B B & T CORPORATION            COM              054937107      351    12542 SH       SOLE
          11842               700
B B & T CORPORATION            COM              054937107      126     4525 SH       DEFINED
              4225      300
BP AMOCO PLC                   COM              055622104      191     3602 SH       SOLE
   3602
BP AMOCO PLC                   COM              055622104      349     6558 SH       DEFINED
       6204      354
BANK OF AMERICA CORPORATION    COM              060505104      324     6179 SH
SOLE                     6029               150
BANK OF AMERICA CORPORATION    COM              060505104       36      700 SH
DEFINED                   500      200
BANK ONE CORPORATION           COM              06423A103      352    10265 SH       SOLE
                10265
BELL ATLANTIC CORPORATION      COM              077853109     2195    35913 SH
SOLE                    33711     1402      800
BELL ATLANTIC CORPORATION      COM              077853109      677    11088 SH
DEFINED                  8368     2720
BELLSOUTH CORPORATION          COM              079860102     3903    83284 SH       SOLE
                  80712     1872      700
BELLSOUTH CORPORATION          COM              079860102      858    18304 SH
DEFINED                 11584     6720
BESTFOODS COMMON STOCK         COM              08658U101      475    10152 SH
SOLE                     9352      800
BESTFOODS COMMON STOCK         COM              08658U101        7      156 SH
DEFINED                   156
BRISTOL-MYERS SQUIBB CO.       COM              110122108     2186    37695 SH       SOLE
                 35195      800     1700
BRISTOL-MYERS SQUIBB CO.       COM              110122108      440     7600 SH
DEFINED                  7600
CFW COMMUNICATIONS CO COMMON   COM              124923103      289     7344 SH
DEFINED                           7344
CSX CORPORATION COMMON STOCK   COM              126408103      236    10060 SH
SOLE                     9260      200      600
CSX CORPORATION COMMON STOCK   COM              126408103       21      900 SH
DEFINED                   800      100
CAPITAL ONE FINANCIAL          COM              14040H105      220     4600 SH       SOLE
              4600
CAPITAL ONE FINANCIAL          COM              14040H105       23      500 SH       DEFINED
                 500
CAROLINA POWER & LIGHT CO      COM              144141108      201     6200 SH       SOLE
                   6200
CATERPILLAR, INC. COMMON       COM              149123101      186     4720 SH       SOLE
                  4720
CATERPILLAR, INC. COMMON       COM              149123101       30      782 SH
DEFINED                   782
CHASE MANHATTAN CORP (NEW)     COM              16161A108     1059    12150 SH
SOLE                    10950      300      900
CHASE MANHATTAN CORP (NEW)     COM              16161A108      252     2900 SH
DEFINED                  2800      100
CHEVRON CORPORATION            COM              166751107     2231    24144 SH       SOLE
                23444               700
CHEVRON CORPORATION            COM              166751107      483     5228 SH
DEFINED                  2560     2668
CISCO SYSTEMS, INC.            COM              17275R102     2376    30736 SH       SOLE
         29536              1200
CISCO SYSTEMS, INC.            COM              17275R102      548     7092 SH       DEFINED
            6792      300
CITIGROUP                      COM              172967101      721    12047 SH       SOLE
11197               850
CITIGROUP                      COM              172967101      137     2300 SH       DEFINED
   2300
COCA COLA CO. COMMON STOCK     COM              191216100     1369    29178 SH
SOLE                    24894     1600     2684
COCA COLA CO. COMMON STOCK     COM              191216100      553    11800 SH
DEFINED                 11200      600
COLGATE-PALMOLIVE CO.          COM              194162103      743    13196 SH       SOLE
               11596              1600
COLGATE-PALMOLIVE CO.          COM              194162103      169     3000 SH
DEFINED                  3000
COMPAQ COMPUTER CORPORATION    COM              204493100      867    32418 SH
SOLE                    32418
COMPAQ COMPUTER CORPORATION    COM              204493100      113     4250 SH
DEFINED                  3650      600
COMPUTER ASSOCIATES INTERNATIO COM              204912109      432     7300 SH
SOLE                     7300
COMPUTER ASSOCIATES INTERNATIO COM              204912109      213     3600 SH
DEFINED                  3600
DANA CORPORATION               COM              235811106      204     7250 SH       SOLE
           6550      100      600
DANA CORPORATION               COM              235811106       10      365 SH       DEFINED
              365
DISNEY (WALT) COMPANY          COM              254687106      119     2893 SH       SOLE
               2893
DISNEY (WALT) COMPANY          COM              254687106      152     3700 SH
DEFINED                  3700
DOMINION RESOURCES, INC.       COM              25746U109      262     6837 SH       SOLE
                 5938      300      599
DOMINION RESOURCES, INC.       COM              25746U109       34      900 SH
DEFINED                            900
DOW CHEMICAL COMPANY           COM              260543103      210     1850 SH       SOLE
                  1850
DU PONT (EI) DE NEMOURS & CO   COM              263534109     1532    28950 SH
SOLE                    24690     3260     1000
DU PONT (EI) DE NEMOURS & CO   COM              263534109      233     4417 SH
DEFINED                  2717     1700
DUKE ENERGY CORPORATION        COM              264399106     1354    25796 SH
SOLE                    23796     1100      900
DUKE ENERGY CORPORATION        COM              264399106      238     4540 SH
DEFINED                  2840     1700
EMC CORP. COMMON STOCK         COM              268648102      815     6475 SH       SOLE
                  6475
EMC CORP. COMMON STOCK         COM              268648102      491     3900 SH
DEFINED                  3900
ELECTRONIC DATA SYSTEMS CORP.  COM              285661104      336     5250 SH
SOLE                     5250
ELECTRONIC DATA SYSTEMS CORP.  COM              285661104      115     1800 SH
DEFINED                  1800
EMERSON ELECTRIC COMPANY       COM              291011104      549    10350 SH
SOLE                    10100               250
EMERSON ELECTRIC COMPANY       COM              291011104      256     4822 SH
DEFINED                  4422      400
ENRON CORPORATION              COM              293561106       97     1300 SH       SOLE
           1300
ENRON CORPORATION              COM              293561106      284     3800 SH       DEFINED
                3800
EXXON MOBIL CORPORATION        COM              30231G102     8193   105125 SH
SOLE                    99499     2902     2724
EXXON MOBIL CORPORATION        COM              30231G102     1715    22013 SH
DEFINED                 11901    10112
FPL GROUP, INC.                COM              302571104      277     6020 SH       SOLE
   6020
FPL GROUP, INC.                COM              302571104       82     1800 SH       DEFINED
       400     1400
FEDERAL NATIONAL MORTGAGE      COM              313586109      940    16625 SH
SOLE                    14725      400     1500
FEDERAL NATIONAL MORTGAGE      COM              313586109      155     2750 SH
DEFINED                  2750
FIRST UNION CORPORATION        COM              337358105      491    13201 SH       SOLE
                12737      464
FIRST UNION CORPORATION        COM              337358105      133     3573 SH
DEFINED                  3573
FORD MOTOR CO. COMMON STOCK    COM              345370100      278     6056 SH
SOLE                     5656               400
FORD MOTOR CO. COMMON STOCK    COM              345370100       45     1000 SH
DEFINED                  1000
FORTUNE BRANDS, INC.           COM              349631101      230     9200 SH       SOLE
           9200
GTE CORPORATION COMMON STOCK   COM              362320103      965    13601 SH
SOLE                    13301      100      200
GTE CORPORATION COMMON STOCK   COM              362320103      434     6115 SH
DEFINED                  3221     2894
GANNETT COMPANY                COM              364730101      246     3500 SH       SOLE
           3100               400
GENERAL ELECTRIC CO. COMMON ST COM              369604103     9157    58846 SH
SOLE                    45065    11581     2200
GENERAL ELECTRIC CO. COMMON ST COM              369604103     1985    12761 SH
DEFINED                  8036     4725
GENERAL MOTORS CORP COMMON STO COM              370442105      386     4668 SH
SOLE                     3628     1000       40
GENERAL MOTORS CORP COMMON STO COM              370442105       53      644 SH
DEFINED                   644
GEORGIA-PACIFIC CORP COMMON    COM              373298108      430    10874 SH
SOLE                    10874
GILLETTE COMPANY COMMON STOCK  COM              375766102      493    13091 SH
SOLE                    13091
GILLETTE COMPANY COMMON STOCK  COM              375766102      395    10500 SH
DEFINED                  8500     2000
HALLIBURTON CO COMMON STOCK    COM              406216101       77     1880 SH
SOLE                     1880
HALLIBURTON CO COMMON STOCK    COM              406216101      176     4300 SH
DEFINED                  4300
HEINZ (H J) CO COMMON STOCK    COM              423074103      258     7400 SH       SOLE
                   5850              1550
HEINZ (H J) CO COMMON STOCK    COM              423074103      151     4350 SH
DEFINED                  4350
HERSHEY FOODS CORP COMMON STOC COM              427866108      204     4200 SH
SOLE                     4200
HERSHEY FOODS CORP COMMON STOC COM              427866108       36      758 SH
DEFINED                   758
HEWLETT PACKARD CO COMMON STOC COM              428236103     1931    14568 SH
  SOLE                    13768               800
HEWLETT PACKARD CO COMMON STOC COM              428236103      483     3650 SH
DEFINED                  2650     1000
HOME DEPOT INC.                COM              437076102      480     7450 SH       SOLE
      6850      600
HOME DEPOT INC.                COM              437076102      396     6153 SH       DEFINED
          3750     2403
HUNTINGTON BANCSHARES, INC.    COM              446150104      241    10814 SH
SOLE                    10814
ILLINOIS TOOL WORKS, INC.      COM              452308109      104     1892 SH       SOLE
              1542               350
ILLINOIS TOOL WORKS, INC.      COM              452308109      118     2150 SH
DEFINED                  2150
INGERSOLL-RAND CO COMMON STOCK COM              456866102     1148    25963 SH
 SOLE                    24763      100     1100
INGERSOLL-RAND CO COMMON STOCK COM              456866102      367     8303 SH
DEFINED                  1265     7038
INTEL CORPORATION COMMON STOCK COM              458140100     3499    26525 SH
SOLE                    24625      100     1800
INTEL CORPORATION COMMON STOCK COM              458140100     1088     8250 SH
DEFINED                  7600      650
INTERNATIONAL BUSINESS MACHINE COM              459200101     2709    22960 SH
SOLE                    21810      150     1000
INTERNATIONAL BUSINESS MACHINE COM              459200101      749     6350 SH
DEFINED                  4500     1850
JOHNSON & JOHNSON              COM              478160104     1924    27396 SH       SOLE
           26296      100     1000
JOHNSON & JOHNSON              COM              478160104      509     7256 SH       DEFINED
              5006     2250
KANSAS CITY SOUTHERN INDUSTRIE COM              485170104      309     3600 SH
SOLE                     3600
KIMBERLY-CLARK CORP COMMON STO COM              494368103      590    10525 SH
SOLE                    10025               500
KIMBERLY-CLARK CORP COMMON STO COM              494368103      168     3000 SH
DEFINED                  3000
LILLY (ELI) AND COMPANY        COM              532457108      106     1700 SH       SOLE
              1700
LILLY (ELI) AND COMPANY        COM              532457108      147     2349 SH
DEFINED                  2349
LUCENT TECHNOLOGIES            COM              549463107     2497    40277 SH       SOLE
               38221     1176      880
LUCENT TECHNOLOGIES            COM              549463107     1072    17294 SH
DEFINED                 14582     2712
MCI WORLDCOM, INC.             COM              55268B106      395     8725 SH       SOLE
           8125               600
MCI WORLDCOM, INC.             COM              55268B106      208     4600 SH       DEFINED
              4600
MANULIFE FINANCIAL CORPORATION COM              56501R106      139     9493 SH
SOLE                     9493
MANULIFE FINANCIAL CORPORATION COM              56501R106      169    11517 SH
DEFINED                 11517
MARSH & MCLENNAN COMPANIES, IN COM              571748102      375     3400 SH
SOLE                     3000      100      300
MARSH & MCLENNAN COMPANIES, IN COM              571748102       77      700 SH
DEFINED                   600      100
MCDONALDS CORPORATION          COM              580135101     1057    28304 SH
SOLE                    27304              1000
MCDONALDS CORPORATION          COM              580135101      246     6600 SH
DEFINED                  6000      600
MEDTRONIC, INC.                COM              585055106     1280    24890 SH       SOLE
      24190               700
MEDTRONIC, INC.                COM              585055106      365     7100 SH       DEFINED
         6800      300
MERCK & COMPANY, INC.          COM              589331107     1754    28239 SH       SOLE
              25323      400     2516
MERCK & COMPANY, INC.          COM              589331107      705    11350 SH
DEFINED                  8150     3200
MICROSOFT CORPORATION          COM              594918104     1857    17484 SH       SOLE
                 16784      100      600
MICROSOFT CORPORATION          COM              594918104     1355    12757 SH
DEFINED                 12607      150
MINNESOTA MINING & MANUFACTURI COM              604059105      685     7737 SH
SOLE                     7137               600
MINNESOTA MINING & MANUFACTURI COM              604059105       76      859 SH
DEFINED                   609      250
MORGAN (J P) & CO INC COMMON   COM              616880100      402     3058 SH
SOLE                     3058
MORGAN (J P) & CO INC COMMON   COM              616880100      117      889 SH
DEFINED                   889
MOTOROLA INC COMMON STOCK      COM              620076109     1025     7025 SH
SOLE                     6675      200      150
MOTOROLA INC COMMON STOCK      COM              620076109      204     1400 SH
DEFINED                  1000      400
NORFOLK SOUTHERN CORP          COM              655844108     1943   136378 SH
SOLE                   132638     2900      840
NORFOLK SOUTHERN CORP          COM              655844108      614    43125 SH
DEFINED                 37197     5928
ONE VALLEY BANCORP, INC.       COM              682419106       72     2081 SH       SOLE
               2081
ONE VALLEY BANCORP, INC.       COM              682419106      194     5625 SH
DEFINED                  5625
ORACLE CORPORATION             COM              68389X105     4465    57204 SH       SOLE
               53904              3300
ORACLE CORPORATION             COM              68389X105      209     2688 SH
DEFINED                  2688
PEPSICO, INC. COMMON STOCK     COM              713448108      502    14400 SH
SOLE                    13700      400      300
PEPSICO, INC. COMMON STOCK     COM              713448108     1370    39284 SH
DEFINED                 37684     1600
PFIZER, INC. COMMON STOCK      COM              717081103     1378    37710 SH       SOLE
                  29910     4800     3000
PFIZER, INC. COMMON STOCK      COM              717081103      213     5830 SH
DEFINED                  5830
PHILIP MORRIS COMPANIES, INC.  COM              718154107      360    17083 SH
SOLE                    14683     2400
PHILIP MORRIS COMPANIES, INC.  COM              718154107       42     2023 SH
DEFINED                  2023
PROCTER & GAMBLE CO COMMON STO COM              742718109      923    16347 SH
SOLE                    14047              2300
PROCTER & GAMBLE CO COMMON STO COM              742718109      234     4148 SH
DEFINED                  4148
RAYMOND JAMES FINANCIAL, INC.  COM              754730109      280    13500 SH
DEFINED                 13500
ROYAL DUTCH PETROLEUM COMPANY  COM              780257804      115     2005 SH
SOLE                     2005
ROYAL DUTCH PETROLEUM COMPANY  COM              780257804      346     6000 SH
DEFINED                  4000     2000
SBC COMMUNICATIONS, INC        COM              78387G103     4504   106931 SH
SOLE                   100189     3625     3117
SBC COMMUNICATIONS, INC        COM              78387G103     1247    29621 SH
DEFINED                 18469    11152
SARA LEE CORPORATION           COM              803111103      243    13500 SH       SOLE
              13100      400
SARA LEE CORPORATION           COM              803111103       93     5200 SH
DEFINED                  4400      800
SCHERING-PLOUGH CORPORATION    COM              806605101      317     8550 SH
SOLE                     8150      400
SCHERING-PLOUGH CORPORATION    COM              806605101      118     3200 SH
DEFINED                  3200
SCHLUMBERGER LIMITED           COM              806857108      753     9845 SH       SOLE
               9145               700
SCHLUMBERGER LIMITED           COM              806857108      202     2650 SH
DEFINED                  2650
SOLECTRON CORPORATION          COM              834182107      152     3800 SH       SOLE
                 3400               400
SOLECTRON CORPORATION          COM              834182107       64     1600 SH
DEFINED                  1600
SOUTHERN CO COMMON STOCK       COM              842587107      207     9531 SH
SOLE                     7615     1916
SOUTHERN CO COMMON STOCK       COM              842587107       17      800 SH
DEFINED                            800
SUN MICROSYSTEMS, INC.         COM              866810104     2230    23800 SH       SOLE
               21400      400     2000
SUN MICROSYSTEMS, INC.         COM              866810104      696     7428 SH
DEFINED                  7228      200
SUNTRUST BANKS, INC.           COM              867914103      343     5943 SH       SOLE
           5943
SYSCO CORPORATION              COM              871829107      493    13650 SH       SOLE
           13650
SYSCO CORPORATION              COM              871829107       14      400 SH       DEFINED
                       400
TECO ENERGY INC COMMON STOCK   COM              872375100      143     7374 SH
SOLE                     7374
TECO ENERGY INC COMMON STOCK   COM              872375100       99     5100 SH
DEFINED                  5100
TANDY CORPORATION              COM              875382103      487     9600 SH       SOLE
            9600
TYCO INTERNATIONAL, LTD.       COM              902124106      583    11647 SH       SOLE
                10847      200      600
TYCO INTERNATIONAL, LTD.       COM              902124106      209     4180 SH
DEFINED                  4180
UNITED BANKSHARES, INC. OF     COM              909907107      747    33964 SH       SOLE
                  33964
U.S. WEST, INC. (NEW)          COM              91273H101      315     4342 SH       SOLE
        3329      500      513
U.S. WEST, INC. (NEW)          COM              91273H101       67      931 SH       DEFINED
           931
VODAFONE GROUP, PLC            COM              92857T107     1238    22291 SH       SOLE
              19862      600     1829
VODAFONE GROUP, PLC            COM              92857T107      370     6670 SH
DEFINED                  5770      900
WACHOVIA CORPORATION COMMON ST COM              929771103      336     4985 SH
SOLE                     4735               250
WACHOVIA CORPORATION COMMON ST COM              929771103       48      720 SH
DEFINED                   480      240
WAL-MART STORES INC COMMON STO COM              931142103     1057    18725 SH
SOLE                    17525      200     1000
WAL-MART STORES INC COMMON STO COM              931142103      644    11400 SH
DEFINED                 11200      200
WARNER-LAMBERT CO COMMON STOCK COM              934488107     2492    25517 SH
   SOLE                    25417      100
WARNER-LAMBERT CO COMMON STOCK COM              934488107      272     2785 SH
 DEFINED                  2585      200
XEROX CORPORATION              COM              984121103      115     4457 SH       SOLE
            4457
XEROX CORPORATION              COM              984121103       93     3600 SH       DEFINED
               3000      600
</TABLE>


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