FIRST COMMUNITY BANK TRUST & FINANCIAL SERVICES DIVISON
13F-HR, 2000-07-24
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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: 06/30/00

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    JULY 03, 2000


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:      198

Form 13F Information Table Entry Total:       $139,437



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     1650    51891 SH       SOLE                    49761     1330      800
AT & T CORPORATION COMMON STOC COM              001957109      440    13854 SH       DEFINED                 10404     3450
ABBOTT LABORATORIES INC        COM              002824100     1891    42454 SH       SOLE                    42454
ABBOTT LABORATORIES INC        COM              002824100      187     4200 SH       DEFINED                  2600     1600
ADAPTEC INC.                   COM              00651F108      168     7425 SH       SOLE                     6850               575
ADAPTEC INC.                   COM              00651F108       65     2900 SH       DEFINED                  2500      400
ADOBE SYSTEMS, INC.            COM              00724F101      900     6925 SH       SOLE                     5875              1050
ADOBE SYSTEMS, INC.            COM              00724F101       78      600 SH       DEFINED                   600
AGILENT TECHNOLOGIES, INC.     COM              00846U101      389     5286 SH       SOLE                     4980               306
AGILENT TECHNOLOGIES, INC.     COM              00846U101      102     1391 SH       DEFINED                  1010      381
ALCOA, INC.                    COM              013817101      266     9200 SH       SOLE                     8300      100      800
ALCOA, INC.                    COM              013817101       76     2650 SH       DEFINED                  2650
ALLTEL CORPORATION COMMON STOC COM              020039103      306     4950 SH       SOLE                     4550               400
ALLTEL CORPORATION COMMON STOC COM              020039103      124     2004 SH       DEFINED                  2004
AMERICA ONLINE, INC.           COM              02364J104      244     4650 SH       SOLE                     4650
AMERICAN ELECTRIC POWER COMPAN COM              025537101      421    14229 SH       SOLE                    13729               500
AMERICAN ELECTRIC POWER COMPAN COM              025537101      107     3624 SH       DEFINED                  1380     2244
AMERICAN EXPRESS CO. COMMON ST COM              025816109     1677    32175 SH       SOLE                    30675              1500
AMERICAN EXPRESS CO. COMMON ST COM              025816109      390     7500 SH       DEFINED                  6300     1200
AMERICAN HOME PRODUCTS CORP.   COM              026609107      870    14824 SH       SOLE                    14264               560
AMERICAN HOME PRODUCTS CORP.   COM              026609107      269     4588 SH       DEFINED                  2988     1600
AMERICAN INTERNATIONAL GROUP   COM              026874107      308     2625 SH       SOLE                     2625
AMERICAN INTERNATIONAL GROUP   COM              026874107       70      600 SH       DEFINED                   600
AMGEN, INC.                    COM              031162100      268     3820 SH       SOLE                     3820
ANHEUSER-BUSCH COMPANIES, INC. COM              035229103      231     3102 SH       SOLE                     3102
AUTOMATIC DATA PROCESSING, INC COM              053015103      465     8700 SH       SOLE                     8700
AUTOMATIC DATA PROCESSING, INC COM              053015103       53     1000 SH       DEFINED                  1000
B B & T CORPORATION            COM              054937107      180     7542 SH       SOLE                     6842               700
B B & T CORPORATION            COM              054937107      108     4525 SH       DEFINED                  4225      300
BP AMOCO PLC                   COM              055622104      369     6527 SH       SOLE                     6527
BP AMOCO PLC                   COM              055622104      380     6720 SH       DEFINED                  6366      354
BANK OF AMERICA CORPORATION    COM              060505104      255     5879 SH       SOLE                     5729               150
BANK OF AMERICA CORPORATION    COM              060505104       30      700 SH       DEFINED                   500      200
BANK ONE CORPORATION           COM              06423A103      263     9915 SH       SOLE                     9915
BELL ATLANTIC CORPORATION      COM              077853109     1752    34413 SH       SOLE                    32211     1402      800
BELL ATLANTIC CORPORATION      COM              077853109      564    11088 SH       DEFINED                  8368     2720
BELLSOUTH CORPORATION          COM              079860102     3319    77884 SH       SOLE                    75312     1872      700
BELLSOUTH CORPORATION          COM              079860102      780    18304 SH       DEFINED                 11584     6720
BESTFOODS COMMON STOCK         COM              08658U101      703    10152 SH       SOLE                     9352      800
BESTFOODS COMMON STOCK         COM              08658U101       10      156 SH       DEFINED                   156
BRISTOL-MYERS SQUIBB CO.       COM              110122108     2172    37294 SH       SOLE                    34794      800     1700
BRISTOL-MYERS SQUIBB CO.       COM              110122108      442     7600 SH       DEFINED                  7600
CSX CORPORATION COMMON STOCK   COM              126408103      219    10360 SH       SOLE                     9260      500      600
CSX CORPORATION COMMON STOCK   COM              126408103       19      900 SH       DEFINED                   800      100
CAPITAL ONE FINANCIAL          COM              14040H105      187     4200 SH       SOLE                     4200
CAPITAL ONE FINANCIAL          COM              14040H105       22      500 SH       DEFINED                   500
CHASE MANHATTAN CORP (NEW)     COM              16161A108      857    18612 SH       SOLE                    16812      450     1350
CHASE MANHATTAN CORP (NEW)     COM              16161A108      210     4575 SH       DEFINED                  4425      150
CHEVRON CORPORATION            COM              166751107     1955    23028 SH       SOLE                    22728               300
CHEVRON CORPORATION            COM              166751107      444     5228 SH       DEFINED                  2560     2668
CISCO SYSTEMS, INC.            COM              17275R102     2136    33611 SH       SOLE                    32111              1500
CISCO SYSTEMS, INC.            COM              17275R102      469     7392 SH       DEFINED                  7092      300
CITIGROUP                      COM              172967101      973    16102 SH       SOLE                    14577      300     1225
CITIGROUP                      COM              172967101      145     2400 SH       DEFINED                  2400
COCA COLA CO. COMMON STOCK     COM              191216100     1629    28378 SH       SOLE                    24094     1600     2684
COCA COLA CO. COMMON STOCK     COM              191216100      677    11800 SH       DEFINED                 11200      600
COLGATE-PALMOLIVE CO.          COM              194162103      700    11696 SH       SOLE                    10896               800
COLGATE-PALMOLIVE CO.          COM              194162103      179     3000 SH       DEFINED                  3000
COMPAQ COMPUTER CORPORATION    COM              204493100      672    26318 SH       SOLE                    26318
COMPAQ COMPUTER CORPORATION    COM              204493100      108     4250 SH       DEFINED                  3650      600
COMPUTER ASSOCIATES INTERNATIO COM              204912109      179     3500 SH       SOLE                     3500
COMPUTER ASSOCIATES INTERNATIO COM              204912109      184     3600 SH       DEFINED                  3600
CONOCO INC. CLASS B            COM              208251405      174     7100 SH       SOLE                     7100
CONOCO INC. CLASS B            COM              208251405       49     2000 SH       DEFINED                  2000
DOMINION RESOURCES, INC.       COM              25746U109      276     6438 SH       SOLE                     5638      300      500
DOMINION RESOURCES, INC.       COM              25746U109       38      900 SH       DEFINED                            900
DU PONT (EI) DE NEMOURS & CO   COM              263534109     1243    28300 SH       SOLE                    24040     3260     1000
DU PONT (EI) DE NEMOURS & CO   COM              263534109      154     3517 SH       DEFINED                  2717      800
DUKE ENERGY CORPORATION        COM              264399106     1378    24296 SH       SOLE                    22596     1100      600
DUKE ENERGY CORPORATION        COM              264399106      172     3040 SH       DEFINED                  1340     1700
EMC CORP. COMMON STOCK         COM              268648102     1054    13700 SH       SOLE                    13700
EMC CORP. COMMON STOCK         COM              268648102      631     8200 SH       DEFINED                  7800      400
ELECTRONIC DATA SYSTEMS CORP.  COM              285661104      228     5550 SH       SOLE                     5550
ELECTRONIC DATA SYSTEMS CORP.  COM              285661104       74     1800 SH       DEFINED                  1800
EMERSON ELECTRIC COMPANY       COM              291011104      588     9750 SH       SOLE                     9500               250
EMERSON ELECTRIC COMPANY       COM              291011104      224     3722 SH       DEFINED                  3322      400
ENRON CORPORATION              COM              293561106      385     5975 SH       SOLE                     5875               100
ENRON CORPORATION              COM              293561106      277     4300 SH       DEFINED                  4300
EXXON MOBIL CORPORATION        COM              30231G102     7989   101771 SH       SOLE                    96977     2902     1892
EXXON MOBIL CORPORATION        COM              30231G102     1490    18981 SH       DEFINED                 11701     7280
FPL GROUP, INC.                COM              302571104      256     5154 SH       SOLE                     5154
FPL GROUP, INC.                COM              302571104       89     1800 SH       DEFINED                   400     1400
FEDERAL NATIONAL MORTGAGE      COM              313586109      759    14525 SH       SOLE                    12625      400     1500
FEDERAL NATIONAL MORTGAGE      COM              313586109      143     2750 SH       DEFINED                  2750
FIRST UNION CORPORATION        COM              337358105      325    13101 SH       SOLE                    12637      464
FIRST UNION CORPORATION        COM              337358105       88     3573 SH       DEFINED                  3573
FORD MOTOR CO. COMMON STOCK    COM              345370100      290     6756 SH       SOLE                     6356               400
FORD MOTOR CO. COMMON STOCK    COM              345370100       43     1000 SH       DEFINED                  1000
FORTUNE BRANDS, INC.           COM              349631101      207     9000 SH       SOLE                     9000
GTE CORPORATION COMMON STOCK   COM              362320103      834    13401 SH       SOLE                    13301      100
GTE CORPORATION COMMON STOCK   COM              362320103      380     6115 SH       DEFINED                  3221     2894
GANNETT COMPANY                COM              364730101      219     3675 SH       SOLE                     3275               400
GENERAL ELECTRIC CO. COMMON ST COM              369604103     9353   178583 SH       SOLE                   137040    34743     6800
GENERAL ELECTRIC CO. COMMON ST COM              369604103     1950    37233 SH       DEFINED                 24258    12975
GENERAL MOTORS CORP COMMON STO COM              370442105      262     4528 SH       SOLE                     3528     1000
GENERAL MOTORS CORP COMMON STO COM              370442105       37      644 SH       DEFINED                   644
GEORGIA-PACIFIC CORP COMMON    COM              373298108      285    10874 SH       SOLE                    10874
GILLETTE COMPANY COMMON STOCK  COM              375766102      516    14790 SH       SOLE                    14790
GILLETTE COMPANY COMMON STOCK  COM              375766102      366    10500 SH       DEFINED                  8500     2000
HALLIBURTON CO COMMON STOCK    COM              406216101       69     1480 SH       SOLE                     1480
HALLIBURTON CO COMMON STOCK    COM              406216101      202     4300 SH       DEFINED                  4300
HEINZ (H J) CO COMMON STOCK    COM              423074103      297     6800 SH       SOLE                     5250              1550
HEINZ (H J) CO COMMON STOCK    COM              423074103      124     2850 SH       DEFINED                  2850
HERSHEY FOODS CORP COMMON STOC COM              427866108      196     4050 SH       SOLE                     4050
HERSHEY FOODS CORP COMMON STOC COM              427866108       36      758 SH       DEFINED                   758
HEWLETT PACKARD CO COMMON STOC COM              428236103     1744    13968 SH       SOLE                    13168               800
HEWLETT PACKARD CO COMMON STOC COM              428236103      455     3650 SH       DEFINED                  2650     1000
HIGHWOODS PROPERTIES, INC.     COM              431284108      203     8400 SH       SOLE                                       8400
HOME DEPOT INC.                COM              437076102      324     6500 SH       SOLE                     5900      600
HOME DEPOT INC.                COM              437076102      307     6153 SH       DEFINED                  3750     2403
HUNTINGTON BANCSHARES, INC.    COM              446150104      171    10814 SH       SOLE                    10814
ILLINOIS TOOL WORKS, INC.      COM              452308109      142     2492 SH       SOLE                     2142               350
ILLINOIS TOOL WORKS, INC.      COM              452308109      122     2150 SH       DEFINED                  2150
INGERSOLL-RAND CO COMMON STOCK COM              456866102      984    24458 SH       SOLE                    23258      100     1100
INGERSOLL-RAND CO COMMON STOCK COM              456866102      111     2765 SH       DEFINED                  1265     1500
INTEL CORPORATION COMMON STOCK COM              458140100     3739    27975 SH       SOLE                    25925      100     1950
INTEL CORPORATION COMMON STOCK COM              458140100     1096     8200 SH       DEFINED                  7500      700
INTERNATIONAL BUSINESS MACHINE COM              459200101     2677    24435 SH       SOLE                    23235      150     1050
INTERNATIONAL BUSINESS MACHINE COM              459200101      701     6400 SH       DEFINED                  4550     1850
JOHNSON & JOHNSON              COM              478160104     2974    29196 SH       SOLE                    28021      100     1075
JOHNSON & JOHNSON              COM              478160104      688     6756 SH       DEFINED                  5006     1750
KANSAS CITY SOUTHERN INDUSTRIE COM              485170104      319     3600 SH       SOLE                     3600
KIMBERLY-CLARK CORP COMMON STO COM              494368103      512     8925 SH       SOLE                     8425               500
KIMBERLY-CLARK CORP COMMON STO COM              494368103      172     3000 SH       DEFINED                  3000
LILLY (ELI) AND COMPANY        COM              532457108      169     1700 SH       SOLE                     1700
LILLY (ELI) AND COMPANY        COM              532457108      234     2349 SH       DEFINED                  2349
LUCENT TECHNOLOGIES            COM              549463107     2487    42332 SH       SOLE                    40201     1176      955
LUCENT TECHNOLOGIES            COM              549463107     1033    17594 SH       DEFINED                 14882     2712
MANULIFE FINANCIAL CORPORATION COM              56501R106      169     9493 SH       SOLE                     9493
MANULIFE FINANCIAL CORPORATION COM              56501R106      205    11517 SH       DEFINED                 11517
MARSH & MCLENNAN COMPANIES, IN COM              571748102      428     4100 SH       SOLE                     3650      100      350
MARSH & MCLENNAN COMPANIES, IN COM              571748102      146     1400 SH       DEFINED                  1300      100
MCDONALDS CORPORATION          COM              580135101      886    26904 SH       SOLE                    25904              1000
MCDONALDS CORPORATION          COM              580135101      197     6000 SH       DEFINED                  6000
MEDTRONIC, INC.                COM              585055106     1401    28140 SH       SOLE                    27340               800
MEDTRONIC, INC.                COM              585055106      353     7100 SH       DEFINED                  6800      300
MERCK & COMPANY, INC.          COM              589331107     2117    27639 SH       SOLE                    24723      400     2516
MERCK & COMPANY, INC.          COM              589331107      823    10750 SH       DEFINED                  8150     2600
MICROSOFT CORPORATION          COM              594918104     1526    19086 SH       SOLE                    17910      400      776
MICROSOFT CORPORATION          COM              594918104     1008    12607 SH       DEFINED                 12607
MINNESOTA MINING & MANUFACTURI COM              604059105      639     7737 SH       SOLE                     7137               600
MINNESOTA MINING & MANUFACTURI COM              604059105       71      859 SH       DEFINED                   609      250
MORGAN (J P) & CO INC COMMON   COM              616880100      358     3258 SH       SOLE                     3058      200
MORGAN (J P) & CO INC COMMON   COM              616880100       97      889 SH       DEFINED                   889
MOTOROLA INC COMMON STOCK      COM              620076109      621    20725 SH       SOLE                    20125      600
MOTOROLA INC COMMON STOCK      COM              620076109      126     4200 SH       DEFINED                  3000     1200
NORFOLK SOUTHERN CORP          COM              655844108     2196   147676 SH       SOLE                   140288     2900     4488
NORFOLK SOUTHERN CORP          COM              655844108      641    43125 SH       DEFINED                 37197     5928
ONE VALLEY BANCORP, INC.       COM              682419106       65     2081 SH       SOLE                     2081
ONE VALLEY BANCORP, INC.       COM              682419106      175     5625 SH       DEFINED                  5625
ORACLE CORPORATION             COM              68389X105     4733    56304 SH       SOLE                    52804              3500
ORACLE CORPORATION             COM              68389X105      301     3588 SH       DEFINED                  3288      300
PEPSICO, INC. COMMON STOCK     COM              713448108      711    16000 SH       SOLE                    15300      400      300
PEPSICO, INC. COMMON STOCK     COM              713448108     1494    33632 SH       DEFINED                 32032     1600
PFIZER, INC. COMMON STOCK      COM              717081103     5038   104975 SH       SOLE                    96900     5075     3000
PFIZER, INC. COMMON STOCK      COM              717081103      647    13489 SH       DEFINED                 12939      550
PHILIP MORRIS COMPANIES, INC.  COM              718154107      397    14983 SH       SOLE                    12583     2400
PHILIP MORRIS COMPANIES, INC.  COM              718154107       45     1723 SH       DEFINED                  1723
PROCTER & GAMBLE CO COMMON STO COM              742718109     1036    18097 SH       SOLE                    17347               750
PROCTER & GAMBLE CO COMMON STO COM              742718109      248     4348 SH       DEFINED                  4348
PROLOGIS TURST                 COM              743410102      223    10454 SH       SOLE                                      10454
RADIOSHACK CORPORATION         COM              750438103      454     9600 SH       SOLE                     9600
RAYMOND JAMES FINANCIAL, INC.  COM              754730109      303    13500 SH       DEFINED                 13500
ROYAL DUTCH PETROLEUM COMPANY  COM              780257804      135     2205 SH       SOLE                     2205
ROYAL DUTCH PETROLEUM COMPANY  COM              780257804      369     6000 SH       DEFINED                  4000     2000
SBC COMMUNICATIONS, INC        COM              78387G103     4742   109642 SH       SOLE                   102931     3519     3192
SBC COMMUNICATIONS, INC        COM              78387G103     1259    29127 SH       DEFINED                 18319    10808
SARA LEE CORPORATION           COM              803111103      184     9600 SH       SOLE                     9200      400
SARA LEE CORPORATION           COM              803111103       84     4400 SH       DEFINED                  4400
SCHERING-PLOUGH CORPORATION    COM              806605101      431     8550 SH       SOLE                     8150      400
SCHERING-PLOUGH CORPORATION    COM              806605101      161     3200 SH       DEFINED                  3200
SCHLUMBERGER LIMITED           COM              806857108      689     9245 SH       SOLE                     8645               600
SCHLUMBERGER LIMITED           COM              806857108      197     2650 SH       DEFINED                  2650
SOLECTRON CORPORATION          COM              834182107      268     6400 SH       SOLE                     6000               400
SOLECTRON CORPORATION          COM              834182107       67     1600 SH       DEFINED                  1600
SOUTHERN CO COMMON STOCK       COM              842587107      213     9163 SH       SOLE                     7247     1916
SOUTHERN CO COMMON STOCK       COM              842587107       18      800 SH       DEFINED                            800
SUN MICROSYSTEMS, INC.         COM              866810104     2414    26550 SH       SOLE                    24075      400     2075
SUN MICROSYSTEMS, INC.         COM              866810104      730     8028 SH       DEFINED                  7528      500
SUNTRUST BANKS, INC.           COM              867914103      271     5943 SH       SOLE                     5943
SYSCO CORPORATION              COM              871829107      457    10850 SH       SOLE                    10850
SYSCO CORPORATION              COM              871829107       16      400 SH       DEFINED                            400
TECO ENERGY INC COMMON STOCK   COM              872375100      133     6640 SH       SOLE                     6640
TECO ENERGY INC COMMON STOCK   COM              872375100      102     5100 SH       DEFINED                  5100
TYCO INTERNATIONAL, LTD.       COM              902124106      620    13102 SH       SOLE                    12302      200      600
TYCO INTERNATIONAL, LTD.       COM              902124106      198     4180 SH       DEFINED                  4180
UNITED BANKSHARES, INC. OF     COM              909907107      617    33964 SH       SOLE                    33964
UNITED DOMINION REALTY TRUST I COM              910197102      114    10450 SH       SOLE                     1200              9250
U.S. WEST, INC. (NEW)          COM              91273H101      359     4192 SH       SOLE                     3179      500      513
U.S. WEST, INC. (NEW)          COM              91273H101       79      931 SH       DEFINED                   931
VODAFONE GROUP, PLC            COM              92857T107      928    22241 SH       SOLE                    19812      600     1829
VODAFONE GROUP, PLC            COM              92857T107      278     6670 SH       DEFINED                  5770      900
WACHOVIA CORPORATION COMMON ST COM              929771103      257     4745 SH       SOLE                     4495               250
WACHOVIA CORPORATION COMMON ST COM              929771103       39      720 SH       DEFINED                   480      240
WAL-MART STORES INC COMMON STO COM              931142103     1214    21275 SH       SOLE                    20000      200     1075
WAL-MART STORES INC COMMON STO COM              931142103      656    11500 SH       DEFINED                 11300      200
WORLDCOM, INC. COMMON STOCK    COM              98157D106      629    13725 SH       SOLE                    12550      500      675
WORLDCOM, INC. COMMON STOCK    COM              98157D106      211     4600 SH       DEFINED                  4600
</TABLE>


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