FIRST COMMUNITY BANK TRUST & FINANCIAL SERVICES DIVISON
13F-HR, 2000-04-18
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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: 12/31/99

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:  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    JANUARY


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:      204

Form 13F Information Table Entry Total:       $141,603



List of Other Included Managers:

NONE


<PAGE>
<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     2485    48919 SH       SOLE                    46913     1331      675
AT & T CORPORATION COMMON STOC COM              001957109      637    12549 SH       DEFINED                  9099     3450
ABBOTT LABORATORIES INC        COM              002824100     1659    45700 SH       SOLE                    45700
ABBOTT LABORATORIES INC        COM              002824100      232     6400 SH       DEFINED                  4800     1600
ADOBE SYSTEMS, INC.            COM              00724F101      309     4600 SH       SOLE                     3600              1000
ADOBE SYSTEMS, INC.            COM              00724F101       40      600 SH       DEFINED                   600
ALCOA, INC.                    COM              013817101      302     3650 SH       SOLE                     3200       50      400
ALCOA, INC.                    COM              013817101      109     1325 SH       DEFINED                  1325
ALLTEL CORPORATION COMMON STOC COM              020039103      264     3200 SH       SOLE                     3200
ALLTEL CORPORATION COMMON STOC COM              020039103       99     1204 SH       DEFINED                  1204
AMERICAN ELECTRIC POWER COMPAN COM              025537101      491    15296 SH       SOLE                    14796               500
AMERICAN ELECTRIC POWER COMPAN COM              025537101      116     3624 SH       DEFINED                  1380     2244
AMERICAN EXPRESS CO. COMMON ST COM              025816109     1870    11250 SH       SOLE                    10750               500
AMERICAN EXPRESS CO. COMMON ST COM              025816109      415     2500 SH       DEFINED                  2100      400
AMERICAN HOME PRODUCTS CORP.   COM              026609107      645    16446 SH       SOLE                    15886               560
AMERICAN HOME PRODUCTS CORP.   COM              026609107      289     7388 SH       DEFINED                  5788     1600
AMERICAN INTERNATIONAL GROUP   COM              026874107      386     3572 SH       SOLE                     3572
AMGEN, INC.                    COM              031162100      211     3520 SH       SOLE                     3520
AON CORPORATION COMMON STOCK   COM              037389103      243     6076 SH       SOLE                     6076
ATLANTIC RICHFIELD CO COMMON   COM              048825103      245     2839 SH       SOLE                     2839
ATLANTIC RICHFIELD CO COMMON   COM              048825103      121     1400 SH       DEFINED                  1000      400
AUTOMATIC DATA PROCESSING, INC COM              053015103      492     9150 SH       SOLE                     9150
AUTOMATIC DATA PROCESSING, INC COM              053015103       53     1000 SH       DEFINED                  1000
B B & T CORPORATION            COM              054937107      329    12042 SH       SOLE                    11342               700
B B & T CORPORATION            COM              054937107       85     3125 SH       DEFINED                  2825      300
BP AMOCO PLC                   COM              055622104      213     3602 SH       SOLE                     3602
BP AMOCO PLC                   COM              055622104      388     6558 SH       DEFINED                  6204      354
BANK OF AMERICA CORPORATION    COM              060505104      264     5279 SH       SOLE                     5129               150
BANK OF AMERICA CORPORATION    COM              060505104       85     1700 SH       DEFINED                  1500      200
BANK ONE CORPORATION           COM              06423A103      325    10165 SH       SOLE                    10165
BELL ATLANTIC CORPORATION      COM              077853109     2323    37747 SH       SOLE                    35545     1402      800
BELL ATLANTIC CORPORATION      COM              077853109      657    10688 SH       DEFINED                  7968     2720
BELLSOUTH CORPORATION          COM              079860102     3977    84958 SH       SOLE                    82386     1872      700
BELLSOUTH CORPORATION          COM              079860102      856    18304 SH       DEFINED                 11584     6720
BESTFOODS COMMON STOCK         COM              08658U101      533    10152 SH       SOLE                     9352      800
BESTFOODS COMMON STOCK         COM              08658U101        8      156 SH       DEFINED                   156
BRISTOL-MYERS SQUIBB CO.       COM              110122108     2565    39967 SH       SOLE                    37967      800     1200
BRISTOL-MYERS SQUIBB CO.       COM              110122108      487     7600 SH       DEFINED                  7600
CFW COMMUNICATIONS CO COMMON   COM              124923103      255     7344 SH       DEFINED                           7344
CSX CORPORATION COMMON STOCK   COM              126408103      334    10672 SH       SOLE                     9872      200      600
CSX CORPORATION COMMON STOCK   COM              126408103        9      300 SH       DEFINED                   200      100
CHASE MANHATTAN CORP (NEW)     COM              16161A108      951    12250 SH       SOLE                    11350      300      600
CHASE MANHATTAN CORP (NEW)     COM              16161A108      217     2800 SH       DEFINED                  2700      100
CHEVRON CORPORATION            COM              166751107     2148    24805 SH       SOLE                    24105               700
CHEVRON CORPORATION            COM              166751107      340     3928 SH       DEFINED                  1260     2668
CISCO SYSTEMS, INC.            COM              17275R102     1424    13293 SH       SOLE                    12693               600
CISCO SYSTEMS, INC.            COM              17275R102      203     1900 SH       DEFINED                  1750      150
CITIGROUP                      COM              172967101      651    11698 SH       SOLE                    11348               350
CITIGROUP                      COM              172967101      111     2000 SH       DEFINED                  2000
COCA COLA CO. COMMON STOCK     COM              191216100     1682    28878 SH       SOLE                    24594     1600     2684
COCA COLA CO. COMMON STOCK     COM              191216100      687    11800 SH       DEFINED                 11200      600
COLGATE-PALMOLIVE CO.          COM              194162103      844    12996 SH       SOLE                    11396              1600
COLGATE-PALMOLIVE CO.          COM              194162103      195     3000 SH       DEFINED                  3000
COMPAQ COMPUTER CORPORATION    COM              204493100      867    32068 SH       SOLE                    31568      500
COMPAQ COMPUTER CORPORATION    COM              204493100      115     4250 SH       DEFINED                  3650      600
COMPUTER ASSOCIATES INTERNATIO COM              204912109      454     6500 SH       SOLE                     6500
COMPUTER ASSOCIATES INTERNATIO COM              204912109      251     3600 SH       DEFINED                  3600
DANA CORPORATION               COM              235811106      266     8900 SH       SOLE                     7700      100     1100
DANA CORPORATION               COM              235811106       16      565 SH       DEFINED                   565
DOMINION RESOURCES INC         COM              257470104      492    12559 SH       SOLE                    10100     1299     1160
DOMINION RESOURCES INC         COM              257470104       52     1350 SH       DEFINED                           1350
DOW CHEMICAL COMPANY           COM              260543103      252     1891 SH       SOLE                     1891
DU PONT (EI) DE NEMOURS & CO   COM              263534109     1854    28150 SH       SOLE                    23890     3260     1000
DU PONT (EI) DE NEMOURS & CO   COM              263534109      271     4117 SH       DEFINED                  2417     1700
DUKE ENERGY CORPORATION        COM              264399106     1383    27596 SH       SOLE                    25596     1100      900
DUKE ENERGY CORPORATION        COM              264399106      227     4540 SH       DEFINED                  2840     1700
EMC CORP. COMMON STOCK         COM              268648102      674     6175 SH       SOLE                     6175
EMC CORP. COMMON STOCK         COM              268648102      415     3800 SH       DEFINED                  3800
A.G. EDWARDS INC.              COM              281760108       99     3100 SH       SOLE                     1900              1200
A.G. EDWARDS INC.              COM              281760108      117     3650 SH       DEFINED                  3650
ELECTRONIC DATA SYSTEMS CORP.  COM              285661104      281     4200 SH       SOLE                     4200
ELECTRONIC DATA SYSTEMS CORP.  COM              285661104       20      300 SH       DEFINED                   300
EMERSON ELECTRIC COMPANY       COM              291011104      605    10550 SH       SOLE                    10300               250
EMERSON ELECTRIC COMPANY       COM              291011104      276     4822 SH       DEFINED                  4422      400
ENRON CORPORATION              COM              293561106       44     1000 SH       SOLE                     1000
ENRON CORPORATION              COM              293561106      159     3600 SH       DEFINED                  3600
EXXON MOBIL CORPORATION        COM              30231G102     8778   108968 SH       SOLE                   103332     2912     2724
EXXON MOBIL CORPORATION        COM              30231G102     1723    21390 SH       DEFINED                 11278    10112
FPL GROUP, INC.                COM              302571104      236     5520 SH       SOLE                     5520
FPL GROUP, INC.                COM              302571104      162     3800 SH       DEFINED                  2400     1400
FEDERAL NATIONAL MORTGAGE      COM              313586109     1072    17175 SH       SOLE                    15275      400     1500
FEDERAL NATIONAL MORTGAGE      COM              313586109      152     2450 SH       DEFINED                  2450
FIRST UNION CORPORATION        COM              337358105      539    16394 SH       SOLE                    15930      464
FORD MOTOR CO. COMMON STOCK    COM              345370100      312     5856 SH       SOLE                     5456               400
FORD MOTOR CO. COMMON STOCK    COM              345370100       53     1000 SH       DEFINED                  1000
FORTUNE BRANDS, INC.           COM              349631101      391    11832 SH       SOLE                    11832
GTE CORPORATION COMMON STOCK   COM              362320103     1005    14256 SH       SOLE                    13956      100      200
GTE CORPORATION COMMON STOCK   COM              362320103      376     5330 SH       DEFINED                  2436     2894
GALLAHER GROUP PLC             COM              363595109      169    11032 SH       SOLE                    11032
GANNETT COMPANY                COM              364730101      236     2900 SH       SOLE                     2900
GAP, INC. COMMON STOCK         COM              364760108      232     5050 SH       SOLE                     4650      400
GATEWAY, INC.                  COM              367626108       43      600 SH       SOLE                                        600
GATEWAY, INC.                  COM              367626108      201     2800 SH       DEFINED                  2800
GENERAL ELECTRIC CO. COMMON ST COM              369604103     9407    60791 SH       SOLE                    46110    12381     2300
GENERAL ELECTRIC CO. COMMON ST COM              369604103     1938    12525 SH       DEFINED                  7800     4725
GENERAL MOTORS CORP COMMON STO COM              370442105      382     5256 SH       SOLE                     4216     1000       40
GENERAL MOTORS CORP COMMON STO COM              370442105       10      144 SH       DEFINED                   144
GEORGIA-PACIFIC CORP COMMON    COM              373298108      653    12874 SH       SOLE                    12874
GILLETTE COMPANY COMMON STOCK  COM              375766102      514    12491 SH       SOLE                    12491
GILLETTE COMPANY COMMON STOCK  COM              375766102      325     7900 SH       DEFINED                  5900     2000
HALLIBURTON CO COMMON STOCK    COM              406216101      119     2980 SH       SOLE                     2980
HALLIBURTON CO COMMON STOCK    COM              406216101      140     3500 SH       DEFINED                  3500
HEINZ (H J) CO COMMON STOCK    COM              423074103      324     8150 SH       SOLE                     6600              1550
HEINZ (H J) CO COMMON STOCK    COM              423074103      214     5400 SH       DEFINED                  5400
HERSHEY FOODS CORP COMMON STOC COM              427866108      199     4200 SH       SOLE                     4200
HERSHEY FOODS CORP COMMON STOC COM              427866108       35      758 SH       DEFINED                   758
HEWLETT PACKARD CO COMMON STOC COM              428236103     1793    15768 SH       SOLE                    14568              1200
HEWLETT PACKARD CO COMMON STOC COM              428236103      585     5150 SH       DEFINED                  4150     1000
HOME DEPOT INC.                COM              437076102      350     5100 SH       SOLE                     4700      400
HOME DEPOT INC.                COM              437076102      317     4621 SH       DEFINED                  3019     1602
HUMAN GENOME SCIENCES          COM              444903108      244     1600 SH       SOLE                     1600
HUNTINGTON BANCSHARES, INC.    COM              446150104      258    10814 SH       SOLE                    10814
ILLINOIS TOOL WORKS, INC.      COM              452308109      186     2766 SH       SOLE                     2416               350
ILLINOIS TOOL WORKS, INC.      COM              452308109      118     1750 SH       DEFINED                  1750
INGERSOLL-RAND CO COMMON STOCK COM              456866102     1523    27663 SH       SOLE                    26463      100     1100
INGERSOLL-RAND CO COMMON STOCK COM              456866102      512     9303 SH       DEFINED                  2265     7038
INTEL CORPORATION COMMON STOCK COM              458140100     2126    25835 SH       SOLE                    23935      100     1800
INTEL CORPORATION COMMON STOCK COM              458140100      670     8150 SH       DEFINED                  7500      650
INTERNATIONAL BUSINESS MACHINE COM              459200101     2277    21110 SH       SOLE                    20160      150      800
INTERNATIONAL BUSINESS MACHINE COM              459200101      609     5650 SH       DEFINED                  3800     1850
JOHNSON & JOHNSON              COM              478160104     2480    26602 SH       SOLE                    25502      100     1000
JOHNSON & JOHNSON              COM              478160104      652     7000 SH       DEFINED                  4750     2250
KANSAS CITY SOUTHERN INDUSTRIE COM              485170104      268     3600 SH       SOLE                     3600
KIMBERLY-CLARK CORP COMMON STO COM              494368103      549     8400 SH       SOLE                     8400
KIMBERLY-CLARK CORP COMMON STO COM              494368103       58      900 SH       DEFINED                   900
LILLY (ELI) AND COMPANY        COM              532457108      113     1700 SH       SOLE                     1700
LILLY (ELI) AND COMPANY        COM              532457108      156     2349 SH       DEFINED                  2349
LOUISIANA-PACIFIC CORP COMMON  COM              546347105      161    11494 SH       SOLE                    11494
LUCENT TECHNOLOGIES            COM              549463107     2949    39324 SH       SOLE                    37568     1176      580
LUCENT TECHNOLOGIES            COM              549463107     1284    17124 SH       DEFINED                 14412     2712
MCI WORLDCOM, INC.             COM              55268B106      183     3450 SH       SOLE                     3450
MCI WORLDCOM, INC.             COM              55268B106       45      854 SH       DEFINED                   854
MANULIFE FINANCIAL CORPORATION COM              56501R106      120     9493 SH       SOLE                     9493
MANULIFE FINANCIAL CORPORATION COM              56501R106      146    11517 SH       DEFINED                 11517
MARSH & MCLENNAN COMPANIES, IN COM              571748102      363     3800 SH       SOLE                     3400      100      300
MARSH & MCLENNAN COMPANIES, IN COM              571748102       57      600 SH       DEFINED                   500      100
MCDONALDS CORPORATION          COM              580135101     1189    29504 SH       SOLE                    28504              1000
MCDONALDS CORPORATION          COM              580135101      266     6600 SH       DEFINED                  6000      600
MEDTRONIC, INC.                COM              585055106      861    23640 SH       SOLE                    23640
MEDTRONIC, INC.                COM              585055106      149     4100 SH       DEFINED                  3800      300
MERCK & COMPANY, INC.          COM              589331107     1945    28953 SH       SOLE                    26037      400     2516
MERCK & COMPANY, INC.          COM              589331107      749    11150 SH       DEFINED                  7950     3200
MICROSOFT CORPORATION          COM              594918104     1615    13834 SH       SOLE                    13434      100      300
MICROSOFT CORPORATION          COM              594918104     1372    11757 SH       DEFINED                 11607      150
MINNESOTA MINING & MANUFACTURI COM              604059105      786     8037 SH       SOLE                     7437               600
MINNESOTA MINING & MANUFACTURI COM              604059105      133     1359 SH       DEFINED                  1109      250
MORGAN (J P) & CO INC COMMON   COM              616880100      387     3058 SH       SOLE                     3058
MORGAN (J P) & CO INC COMMON   COM              616880100      112      889 SH       DEFINED                   889
MOTOROLA INC COMMON STOCK      COM              620076109     1130     7675 SH       SOLE                     7325      200      150
MOTOROLA INC COMMON STOCK      COM              620076109      301     2050 SH       DEFINED                  1650      400
NEW ENGLAND ELECTRIC SYSTEM    COM              644001109      217     4200 SH       SOLE                     4200
NEW ENGLAND ELECTRIC SYSTEM    COM              644001109       10      200 SH       DEFINED                   200
NORFOLK SOUTHERN CORP          COM              655844108     2807   136956 SH       SOLE                   133216     2900      840
NORFOLK SOUTHERN CORP          COM              655844108      844    41196 SH       DEFINED                 35268     5928
ONE VALLEY BANCORP, INC.       COM              682419106       63     2081 SH       SOLE                     2081
ONE VALLEY BANCORP, INC.       COM              682419106      172     5625 SH       DEFINED                  5625
ORACLE CORPORATION             COM              68389X105     3328    29698 SH       SOLE                    27298              2400
ORACLE CORPORATION             COM              68389X105      112     1000 SH       DEFINED                  1000
PEPSICO, INC. COMMON STOCK     COM              713448108      507    14400 SH       SOLE                    13700      400      300
PEPSICO, INC. COMMON STOCK     COM              713448108     1395    39584 SH       DEFINED                 37984     1600
PFIZER, INC. COMMON STOCK      COM              717081103     1243    38340 SH       SOLE                    30540     4800     3000
PFIZER, INC. COMMON STOCK      COM              717081103      162     5000 SH       DEFINED                  5000
PHILIP MORRIS COMPANIES, INC.  COM              718154107      473    20587 SH       SOLE                    18187     2400
PHILIP MORRIS COMPANIES, INC.  COM              718154107       46     2023 SH       DEFINED                  2023
PROCTER & GAMBLE CO COMMON STO COM              742718109     1741    15895 SH       SOLE                    13895              2000
PROCTER & GAMBLE CO COMMON STO COM              742718109      394     3600 SH       DEFINED                  3600
RAYMOND JAMES FINANCIAL, INC.  COM              754730109      251    13500 SH       DEFINED                 13500
ROYAL DUTCH PETROLEUM COMPANY  COM              780257804      121     2005 SH       SOLE                     2005
ROYAL DUTCH PETROLEUM COMPANY  COM              780257804      363     6000 SH       DEFINED                  4000     2000
SBC COMMUNICATIONS, INC        COM              78387G103     5342   109594 SH       SOLE                   102682     3795     3117
SBC COMMUNICATIONS, INC        COM              78387G103     1429    29321 SH       DEFINED                 18169    11152
SARA LEE CORPORATION           COM              803111103      306    13900 SH       SOLE                    13500      400
SARA LEE CORPORATION           COM              803111103      114     5200 SH       DEFINED                  4400      800
SCHERING-PLOUGH CORPORATION    COM              806605101      366     8650 SH       SOLE                     8250      400
SCHERING-PLOUGH CORPORATION    COM              806605101      186     4400 SH       DEFINED                  4400
SCHLUMBERGER LIMITED           COM              806857108      507     9045 SH       SOLE                     8745               300
SCHLUMBERGER LIMITED           COM              806857108       92     1650 SH       DEFINED                  1650
SOUTHERN CO COMMON STOCK       COM              842587107      258    10981 SH       SOLE                     9065     1916
SOUTHERN CO COMMON STOCK       COM              842587107       18      800 SH       DEFINED                            800
SUN MICROSYSTEMS, INC.         COM              866810104     1730    22350 SH       SOLE                    19950      400     2000
SUN MICROSYSTEMS, INC.         COM              866810104      570     7368 SH       DEFINED                  7168      200
SUNTRUST BANKS, INC.           COM              867914103      410     5967 SH       SOLE                     5967
SYSCO CORPORATION              COM              871829107      619    15650 SH       SOLE                    15650
SYSCO CORPORATION              COM              871829107       15      400 SH       DEFINED                            400
TECO ENERGY INC COMMON STOCK   COM              872375100      148     7974 SH       SOLE                     7974
TECO ENERGY INC COMMON STOCK   COM              872375100      168     9100 SH       DEFINED                  9100
TANDY CORPORATION              COM              875382103      472     9600 SH       SOLE                     9600
TYCO INTERNATIONAL, LTD.       COM              902124106      499    12797 SH       SOLE                    12397      200      200
TYCO INTERNATIONAL, LTD.       COM              902124106      131     3380 SH       DEFINED                  3380
UNITED BANKSHARES, INC. OF     COM              909907107      810    33964 SH       SOLE                    33964
U.S. WEST, INC. (NEW)          COM              91273H101      330     4594 SH       SOLE                     3581      500      513
U.S. WEST, INC. (NEW)          COM              91273H101       67      931 SH       DEFINED                   931
UNITED TECHNOLOGIES CORP COMMO COM              913017109      117     1800 SH       SOLE                     1800
UNITED TECHNOLOGIES CORP COMMO COM              913017109       97     1500 SH       DEFINED                  1500
VODAFONE GROUP, PLC            COM              92857T107     1124    22712 SH       SOLE                    20112      600     2000
VODAFONE GROUP, PLC            COM              92857T107      330     6670 SH       DEFINED                  5770      900
WACHOVIA CORPORATION COMMON ST COM              929771103      338     4985 SH       SOLE                     4735               250
WACHOVIA CORPORATION COMMON ST COM              929771103      116     1720 SH       DEFINED                  1480      240
WAL-MART STORES INC COMMON STO COM              931142103     1137    16450 SH       SOLE                    15250      200     1000
WAL-MART STORES INC COMMON STO COM              931142103      746    10800 SH       DEFINED                 10600      200
WARNER-LAMBERT CO COMMON STOCK COM              934488107     2189    26722 SH       SOLE                    26622      100
WARNER-LAMBERT CO COMMON STOCK COM              934488107      228     2785 SH       DEFINED                  2585      200
XEROX CORPORATION              COM              984121103      128     5657 SH       SOLE                     5657
XEROX CORPORATION              COM              984121103       81     3600 SH       DEFINED                  3000      600
</TABLE>


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