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<PAGE>
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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: 6/30/99
---------
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: Keystone Financial Inc.
----------------------------------
Address: 1315 11th Ave
----------------------------------
P.O. Box 2450
----------------------------------
Altoona PA 16603-2450
----------------------------------
Form 13F File Number: 28- __________________
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: Bonnie E Long
----------------------------------
Title: Trust Operations Officer
----------------------------------
Phone: (814) 944-1195
----------------------------------
Signature, Place, and Date of Signing:
Bonnie E Long Altoona PA 16601 8/10/99
- --------------- ---------------------- ------------
[Signature] [City, State] [Date]
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 1
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ADM TRONICS UNLIMITED INC 001004100 9 20,000 SH X X 20,000
AFLAC CORP 001055102 431 9,000 SH X 9,000
AMR CORP DEL 001765106 455 6,660 SH X 6,660
AMR CORP DEL 001765106 27 400 SH X X 400
A T & T CORP 001957109 3,676 65,866 SH X 64,216 150 1,508
A T & T CORP 001957109 1,974 35,371 SH X X 25,787 9,583
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 196 5,336 SH X 5,336
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 1,983 53,968 SH X X 53,968
AT & T CORP - LIBERTY MEDIA GROUP B 001957307 504 13,520 SH X X 13,520
ABBOTT LABORATORIES 002824100 3,364 74,130 SH X 73,930 200
ABBOTT LABORATORIES 002824100 531 11,700 SH X X 11,700
AIR PRODUCTS & CHEMICALS INC 009158106 1,366 33,950 SH X 33,950
AIR PRODUCTS & CHEMICALS INC 009158106 122 3,040 SH X X 3,040
AIRTOUCH COMMUNICATIONS INC 00949T100 760 7,056 SH X 7,056
AIRTOUCH COMMUNICATIONS INC 00949T100 208 1,931 SH X X 1,284 647
ALLEGHENY ENERGY INC 017361106 249 7,760 SH X 6,760 1,000
ALLEGHENY ENERGY INC 017361106 10 300 SH X X 300
ALLIED SIGNAL INC 019512102 278 4,416 SH X 4,416
ALLIED SIGNAL INC 019512102 13 200 SH X X 200
ALLSTATE CORPORATION 020002101 251 6,985 SH X 6,615 370
COM
ALLSTATE CORPORATION 020002101 2 50 SH X X 50
COM
ALLTEL CORP 020039103 230 3,216 SH X 3,216
ALLTEL CORP 020039103 89 1,250 SH X X 1,250
AMERICA ONLINE INC 02364J104 631 5,732 SH X 5,712 20
AMERICA ONLINE INC 02364J104 231 2,100 SH X X 1,800 300
----------
PAGE TOTAL 17,590
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 2
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN EXPRESS 025816109 500 3,842 SH X 3,842
AMERICAN GENERAL CORP 026351106 344 4,559 SH X 4,559
AMERICAN GENERAL CORP 026351106 264 3,500 SH X X 3,500
AMERICAN HOME PRODUCTS INC 026609107 2,308 40,226 SH X 40,226
AMERICAN HOME PRODUCTS INC 026609107 640 11,160 SH X X 4,800 6,360
AMERITECH CORP NEW 030954101 1,805 24,560 SH X 24,260 300
AMERITECH CORP NEW 030954101 899 12,234 SH X X 8,856 3,378
AMGEN INC 031162100 362 5,940 SH X 5,940
AMGEN INC 031162100 73 1,200 SH X X 800 400
ANHEUSER BUSCH COS INC 035229103 539 7,600 SH X 7,600
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 116 2,640 SH X 2,640
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 84 1,914 SH X X 1,176 738
ATLANTIC RICHFIELD 048825103 1,335 15,974 SH X 15,974
ATLANTIC RICHFIELD 048825103 384 4,600 SH X X 1,300 3,300
BANK OF AMERICA CORP 060505104 1,195 16,301 SH X 16,301
BANK OF AMERICA CORP 060505104 2 28 SH X X 28
BANK OF NEW YORK 064057102 182 4,950 SH X 4,950
BANK OF NEW YORK 064057102 59 1,600 SH X X 1,600
BANK ONE CORP 06423A103 364 6,105 SH X 6,105
BELL ATLANTIC CORP 077853109 4,885 74,721 SH X 71,321 325 3,075
BELL ATLANTIC CORP 077853109 1,298 19,856 SH X X 14,040 5,816
BELLSOUTH CORP 079860102 2,406 52,169 SH X 52,169
BELLSOUTH CORP 079860102 890 19,302 SH X X 7,616 11,686
BESTFOODS 08658U101 808 16,330 SH X 16,330
BRISTOL MYERS SQUIBB CO 110122108 1,934 27,458 SH X 27,458
----------
PAGE TOTAL 23,676
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 3
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BRISTOL MYERS SQUIBB CO 110122108 239 3,400 SH X X 800 2,600
CBS CORP 12490K107 304 6,980 SH X 6,980
CBS CORP 12490K107 26 600 SH X X 600
C-COR.NET CORP 125010108 61 2,200 SH X 2,200
C-COR.NET CORP 125010108 1,617 58,000 SH X X 56,000 2,000
CSX CORP 126408103 590 13,002 SH X 13,002
CAMPBELL SOUP CO 134429109 549 11,840 SH X 11,165 675
CAMPBELL SOUP CO 134429109 63 1,350 SH X X 1,000 350
CATERPILLAR INC 149123101 437 7,280 SH X 7,280
CATERPILLAR INC 149123101 36 600 SH X X 600
CENDANT CORP 151313103 172 8,410 SH X 8,410
CENDANT CORP 151313103 112 5,460 SH X X 5,460
CENTOCOR INC 152342101 519 11,125 SH X 11,125
CENTOCOR INC 152342101 79 1,700 SH X X 700 1,000
CHASE MANHATTAN CORP NEW 16161A108 336 3,888 SH X 3,888
CHASE MANHATTAN CORP NEW 16161A108 35 400 SH X X 400
CHEVRON CORP 166751107 999 10,509 SH X 10,509
CHEVRON CORP 166751107 436 4,584 SH X X 2,288 2,296
CISCO SYSTEMS INC 17275R102 4,600 71,320 SH X 70,980 340
CISCO SYSTEMS INC 17275R102 543 8,420 SH X X 6,050 2,370
CITIZENS & NORTHERN CORP 172922106 327 10,559 SH X 10,559
CITIGROUP INC 172967101 1,024 21,556 SH X 21,556
CITIGROUP INC 172967101 345 7,272 SH X X 4,497 2,775
COCA COLA 191216100 1,030 16,617 SH X 16,617
COCA COLA 191216100 1,687 27,209 SH X X 27,144 65
--------
PAGE TOTAL 16,166
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 4
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
COLGATE-PALMOLIVE CO 194162103 222 2,258 SH X 2,258
COLGATE-PALMOLIVE CO 194162103 118 1,200 SH X X 1,200
COMMUNITY BKS INC MILLERSBURG PA 203628102 386 18,043 SH X 18,043
COMPAQ COMPUTER CORP 204493100 1,067 45,044 SH X 43,969 1,075
COMPAQ COMPUTER CORP 204493100 136 5,750 SH X X 1,200 4,550
COMPUTER ASSOCIATES 204912109 474 8,662 SH X 8,212 450
COMPUTER ASSOCIATES 204912109 44 800 SH X X 500 300
COMPUTER NETWORK TECHNOLOGY CORP 204925101 584 27,000 SH X 27,000
COMPUWARE CORP 205638109 293 9,225 SH X 8,625 600
COMPUWARE CORP 205638109 25 800 SH X X 800
CONSOLIDATED EDISON INC 209115104 604 13,339 SH X 13,339
CONSOLIDATED EDISON INC 209115104 27 600 SH X X 600
CONSOLIDATED NATURAL GAS CO 209615103 248 4,084 SH X 4,084
CONSOLIDATED NATURAL GAS CO 209615103 97 1,600 SH X X 1,000 600
CONSTELLATION ENERGY GROUP 210371100 521 17,585 SH X 17,585
CONSTELLATION ENERGY GROUP 210371100 48 1,625 SH X X 1,025 600
STEINER & STEINER GENERAL 2307706Y0 250 1 SH X 1
PARTNERSHIP
BIOWORKS INC SERIES B 2307857Y7 50 20,000 SH X 20,000
CONV PFD
COMPUDATA SERVICES INC, COMMON 2309615Y6 0 11,778 SH X X 11,778
COMPUDATA HEALTH CORP 2309617Y4 0 39,000 SH X X 39,000
DANA CORP 235811106 346 7,510 SH X 6,932 578
DANA CORP 235811106 123 2,681 SH X X 1,150 1,531
DANAHER CORP 235851102 457 7,865 SH X 7,575 290
DANAHER CORP 235851102 35 600 SH X X 400 200
DEERE & CO 244199105 391 9,965 SH X 9,415 550
----------
PAGE TOTAL 6,546
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 5
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
DEERE & CO 244199105 24 600 SH X X 400 200
DELL COMPUTER CORP 247025109 323 8,730 SH X 8,730
DELL COMPUTER CORP 247025109 15 400 SH X X 400
DISNEY WALT CO 254687106 1,055 34,229 SH X 33,979 250
DISNEY WALT CO 254687106 890 28,900 SH X X 25,400 3,500
DOVER CORP 260003108 343 9,800 SH X 9,800
DOVER CORP 260003108 322 9,200 SH X X 9,200
DOW CHEMICAL 260543103 1,118 8,810 SH X 8,810
DOW CHEMICAL 260543103 190 1,500 SH X X 1,000 500
DUPONT E I DE NEMOURS & COMPANY 263534109 1,698 24,861 SH X 24,636 225
DUPONT E I DE NEMOURS & COMPANY 263534109 170 2,495 SH X X 2,270 225
DUKE ENERGY CORP 264399106 210 3,855 SH X 3,855
DUKE ENERGY CORP 264399106 90 1,649 SH X X 1,233 416
EASTMAN KODAK CO 277461109 342 5,047 SH X 5,047
EASTMAN KODAK CO 277461109 36 525 SH X X 225 300
EATON VANCE PENNSYLVANIA LIMITED 27826H743 397 41,051 SH X 41,051
MATURITY MUNICIPALS FUND C
EMERSON ELECTRIC 291011104 357 5,672 SH X 5,672
EMERSON ELECTRIC 291011104 38 600 SH X X 600
ENRON CORP 293561106 114 1,400 SH X 1,400
ENRON CORP 293561106 123 1,500 SH X X 1,500
EXXON CORP 302290101 4,403 57,084 SH X 57,034 50
EXXON CORP 302290101 2,233 28,950 SH X X 22,400 6,550
FPL GROUP INC 302571104 495 9,070 SH X 9,070
FPL GROUP INC 302571104 22 400 SH X X 400
FANNIE MAE 313586109 2,777 40,695 SH X 40,245 450
----------
PAGE TOTAL 17,785
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 6
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
FANNIE MAE 313586109 503 7,370 SH X X 5,100 2,270
FEDERATED #47 U.S. GOVERNMENT SEC 31428P103 504 47,777 SH X 47,777
(2-5 YRS) FUND
FIDELITY #037 SPARTAN MUNICIPAL 316089507 208 16,805 SH X 16,805
INCOME FUND
FIRST LEESPORT BANCORP 320682107 687 33,600 SH X 33,600
FIRST SENTINEL BANCORP INC 33640T103 134 15,056 SH X 15,056
FIRST UNION CORP N CAROLINA 337358105 4,226 89,687 SH X 89,637 50
FIRST UNION CORP N CAROLINA 337358105 276 5,861 SH X X 262 4,789 810
FIRST UNITED CORP 33741H107 235 15,267 SH X 13,259 2,008
FIRST UNITED CORP 33741H107 72 4,677 SH X X 2,627 2,050
FLEET FINANCIAL GROUP INC NEW 338915101 539 12,150 SH X 11,225 925
FLEET FINANCIAL GROUP INC NEW 338915101 205 4,626 SH X X 4,026 600
FORD MOTOR 345370100 537 9,523 SH X 9,523
FORD MOTOR 345370100 229 4,063 SH X X 2,248 1,815
FRONTIER CORP 35906P105 70 1,200 SH X 1,200
FRONTIER CORP 35906P105 938 16,000 SH X X 16,000
FULTON FINANCIAL INC 360271100 676 32,683 SH X 12,162 20,521
FULTON FINANCIAL INC 360271100 528 25,539 SH X X 25,539
GTE CORP 362320103 1,673 22,154 SH X 21,904 250
GTE CORP 362320103 346 4,584 SH X X 4,584
GAP INC 364760108 467 9,261 SH X 8,661 600
GAP INC 364760108 60 1,200 SH X X 1,200
GENERAL ELECTRIC CO 369604103 12,827 113,510 SH X 113,310 200
GENERAL ELECTRIC CO 369604103 3,534 31,275 SH X X 12,200 19,075
GENERAL MILLS INC 370334104 320 3,987 SH X 3,987
GENERAL MOTORS CORP 370442105 494 7,484 SH X 7,484
----------
PAGE TOTAL 30,288
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N_A_ SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 7
AS OF 6/30/99
- - - - - -COLUMN 1 AND 2 - - - - - - - COLUMN 3- COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- -COLUMN 7 - - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
GENERAL MOTORS CORP 370442105 84 1,276 SH X X 200 1,076
GENESIS HEALTH VENTURES INC 371912106 140 46,800 SH X 46,800
GILLETTE CO 375766102 507 12,376 SH X 12,376
GILLETTE CO 375766102 308 7,520 SH X X 5,120 2,400
GLIMCHER REALTY TRUST 379302102 195 11,904 SH X 11,904
GOVERNOR LIMITED DURATION 383757408 40,546 4,124,749 SH X 4,106,232 5,756 12,761
GOVERNMENT SECURITIES FUND
GOVERNOR LIMITED DURATION 383757408 1,014 103,152 SH X X 14,647 87,005 1,500
GOVERNMENT SECURITIES FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 81,512 8,110,605 SH X 8,047,672 62,933
BOND FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 14,263 1,419,219 SH X X 85,504 1,323,952 9,762
BOND FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 240,353 25,326,980 SH X 25,179,330 50,728 96,921
FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 6,130 645,939 SH X X 97,363 517,125 31,450
FUND
HALLIBURTON CO 406216101 825 18,242 SH X 17,192 1,050
HALLIBURTON CO 406216101 369 8,150 SH X X 2,000 6,150
HARTFORD FINANCIAL SERVICES GROUP 416515104 232 3,976 SH X 3,976
INC
HARTFORD FINANCIAL SERVICES GROUP 416515104 59 1,006 SH X X 1,006
INC
HEINZ H J CO 423074103 1,875 37,412 SH X 37,412
HEINZ H J CO 423074103 393 7,850 SH X X 1,800 6,050
HERCULES INC 427056106 137 3,490 SH X 3,490
HERCULES INC 427056106 92 2,341 SH X X 400 1,941
HERSHEY FOODS CORP 427866108 1,030 17,344 SH X 17,344
HERSHEY FOODS CORP 427866108 808 13,600 SH X X 9,400 4,200
HEWLETT PACKARD CO 428236103 530 5,275 SH X 4,775 500
HEWLETT PACKARD CO 428236103 60 600 SH X X 200 400
HUTCHINSON TECHNOLOGY INC 448407106 604 21,750 SH X 21,750
INGERSOLL RAND CO 456866102 649 10,036 SH X 10,036
----------
PAGE TOTAL 392,715
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 8
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
INTEL CORP 458140100 6,295 105,804 SH X 105,654 150
INTEL CORP 458140100 772 12,970 SH X X 7,600 5,370
FEDERATED #78 INTERMEDIATE MUNI 458810108 710 68,490 SH X 68,490
FUND
INTERNATIONAL BUSINESS MACHINES 459200101 1,695 13,115 SH X 13,115
CORP
INTERNATIONAL BUSINESS MACHINES 459200101 1,303 10,080 SH X X 10,080
CORP
INTERNATIONAL PAPER CO 460146103 1,130 22,492 SH X 22,492
INTERNATIONAL PAPER CO 460146103 161 3,200 SH X X 3,200
JOHNSON & JOHNSON 478160104 1,824 18,609 SH X 18,359 250
JOHNSON & JOHNSON 478160104 931 9,500 SH X X 6,500 3,000
KEYSTONE FINANCIAL INC 493482103 45,915 1,553,132 SH X 20,328 874 1,531,930
KEYSTONE FINANCIAL INC 493482103 2,920 98,772 SH X X 11,386 87,386
KIMBERLY CLARK CORP 494368103 173 3,034 SH X 3,034
KIMBERLY CLARK CORP 494368103 165 2,900 SH X X 2,900
LILLY ELI & CO 532457108 245 3,415 SH X 3,415
LINEAR TECHNOLOGY CORP 535678106 646 9,600 SH X 9,600
LINEAR TECHNOLOGY CORP 535678106 81 1,200 SH X X 1,200
LOCKHEED MARTIN CORP 539830109 567 15,216 SH X 15,216
LOWE'S COMPANIES INC 548661107 285 5,025 SH X 4,475 550
LOWE'S COMPANIES INC 548661107 45 800 SH X X 800
LUCENT TECHNOLOGIES INC 549463107 5,193 77,008 SH X 76,358 650
LUCENT TECHNOLOGIES INC 549463107 1,053 15,618 SH X X 6,752 8,866
MCI WORLDCOM INC 55268B106 1,662 19,317 SH X 19,317
MCI WORLDCOM INC 55268B106 150 1,746 SH X X 1,746
MAIN STREET BANCORP INC 559906102 632 43,611 SH X 43,611
MCDONALDS CORP 580135101 701 17,054 SH X 17,054
----------
PAGE TOTAL 75,254
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 9
AS OF 06/30/99
- - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 - COLUMN 4- - COLUMN 5 - - - - COLUMN 6 - - COLUMN 7 - - - - - - COLUMN 8 - - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
MCDONALDS CORP 580135101 111 2,700 SH X X 2,700
MEDIAONE GROUP INC 58440J104 573 7,704 SH X 7,704
MEDIAONE GROUP INC 58440J104 514 6,915 SH X X 5,594 1,321
MEDTRONIC INC 585055106 308 3,950 SH X 3,950
MELLON BANK CORP 585509102 63 1,740 SH X 1,740
MELLON BANK CORP 585509102 139 3,812 SH X X 3,812
MERCK & COMPANY INC 589331107 6,663 90,505 SH X 90,505
MERCK & COMPANY INC 589331107 1,362 18,500 SH X X 7,500 11,000
MICROSOFT CORP 594918104 6,143 68,110 SH X 68,035 75
MICROSOFT CORP 594918104 317 3,515 SH X X 2,100 1,415
MINNESOTA MINING & MANUFACTURING 604059105 546 6,282 SH X 6,282
CO
MINNESOTA MINING & MANUFACTURING 604059105 51 590 SH X X 590
CO
MOBIL CORP 607059102 2,747 27,815 SH X 27,640 175
MOBIL CORP 607059102 1,226 12,414 SH X X 8,664 3,750
MONSANTO CO 611662107 945 23,880 SH X 23,880
MONSANTO CO 611662107 174 4,400 SH X X 4,400
MORGAN J P & CO INC 616880100 654 4,655 SH X 4,655
MORGAN J P & CO INC 616880100 14 100 SH X X 100
MORGAN STANLEY DEAN WITTER & CO 617446448 745 7,262 SH X 6,762 500
MORGAN STANLEY DEAN WITTER & CO 617446448 74 720 SH X X 400 320
MOTOROLA INC 620076109 1,523 16,074 SH X 15,674 400
MOTOROLA INC 620076109 66 700 SH X X 200 500
FEDERATED #311 PA MUNI INCOME FD A 625922505 559 48,849 SH X 48,849
MUTUAL CONSUMER DISCOUNT CO 628247892 8 13,780 SH X 13,780
CLASS A
NIKE INC C/B 654106103 354 5,590 SH X 5,340 250
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PAGE TOTAL 25,879
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 10
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
NOSTALGIA NETWORK INC NEW 669752305 1 10,000 SH X X 10,000
OMEGA FINANCIAL CORP 682092101 240 6,908 SH X 6,908
OMEGA FINANCIAL CORP 682092101 632 18,183 SH X X 12,000 6,183
PECO ENERGY CO 693304107 261 6,241 SH X 6,241
PECO ENERGY CO 693304107 20 478 SH X X 78 400
P P & L RESOURCES INC 693499105 2,021 65,715 SH X 64,321 200 1,194
P P & L RESOURCES INC 693499105 193 6,275 SH X X 6,275
PPG INDUSTRIES INC 693506107 1,534 25,972 SH X 25,572 400
PPG INDUSTRIES INC 693506107 120 2,025 SH X X 800 1,225
PENNS WOODS BANCORP., INC. 708430103 270 5,458 SH X 5,458
PEPSICO INC 713448108 1,468 37,950 SH X 37,050 900
PEPSICO INC 713448108 279 7,215 SH X X 6,115 1,100
PHARMACIA & UPJOHN INC 716941109 293 5,150 SH X 5,150
PFIZER INC 717081103 1,627 14,927 SH X 14,527 400
PFIZER INC 717081103 45 415 SH X X 415
PHELPS DODGE CORP 717265102 201 3,250 SH X 3,250
PHELPS DODGE CORP 717265102 14 225 SH X X 225
PHILIP MORRIS COMPANIES INC 718154107 1,814 45,135 SH X 45,135
PHILIP MORRIS COMPANIES INC 718154107 125 3,100 SH X X 1,000 2,100
PHILLIPS PETROLEUM CO 718507106 525 10,440 SH X 10,440
PROSPERITY DEVELOPMENT COMPANY 7213760Y8 194 5 SH X 5
PROSPERITY DEVELOPMENT COMPANY 7213760Y8 705 19 SH X X 19
PITNEY BOWES 724479100 299 4,650 SH X 4,650
PROCTER & GAMBLE CO 742718109 1,380 15,463 SH X 15,088 375
PROCTER & GAMBLE CO 742718109 232 2,600 SH X X 2,600
----------
PAGE TOTAL 14,493
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 11
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 254 6,226 SH X 6,226
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 45 1,102 SH X X 1,102
ROCKWELL INTERNATIONAL CORP NEW 773903109 213 3,508 SH X 3,508
ROCKWELL INTERNATIONAL CORP NEW 773903109 9 144 SH X X 144
T ROWE PRICE MARYLAND TAX FREE 77957R101 625 60,538 SH X 60,538
BOND FUND #87
T ROWE PRICE MARYLAND TAX FREE 77957R101 10 1,009 SH X X 1,009
BOND FUND #87
T ROWE PRICE SHORT TERM TAX FREE 77957R606 300 59,034 SH X 59,034
BOND FUND #90
T ROWE PRICE SHORT TERM TAX FREE 77957R606 6 1,115 SH X X 1,115
BOND FUND #90
ROWLAND LAND COMPANY, LTD 779665405 2,179 2,758 SH X 2,758
LIMITED PARTNERSHIP
SBC COMMUNICATIONS INC 78387G103 2,706 46,653 SH X 46,653
SBC COMMUNICATIONS INC 78387G103 1,089 18,774 SH X X 10,728 8,046
SEI DAILY INCOME TRUST INTERMEDIATE 783965742 155 15,719 SH X 15,719
DURATION GOVT FUND
SARA LEE CORP 803111103 468 20,628 SH X 20,628
SARA LEE CORP 803111103 50 2,200 SH X X 2,200
SCHERING-PLOUGH CORP 806605101 1,789 34,075 SH X 34,075
SCHERING-PLOUGH CORP 806605101 264 5,025 SH X X 5,025
SCHLUMBERGER LTD 806857108 409 6,425 SH X 6,425
SCHLUMBERGER LTD 806857108 51 800 SH X X 800
SCHWAB CHARLES CORP NEW 808513105 2,056 18,860 SH X 18,760 100
SCHWAB CHARLES CORP NEW 808513105 108 990 SH X X 990
THE SOUTHERN CO 842587107 260 9,798 SH X 9,798
THE SOUTHERN CO 842587107 21 800 SH X X 800
SPRINT CORP 852061100 827 15,600 SH X 15,600
SPRINT CORP 852061100 42 800 SH X X 800
SPRINT CORP (PCS GRP) 852061506 222 3,900 SH X 3,900
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PAGE TOTAL 14,158
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 12
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
SPRINT CORP (PCS GRP) 852061506 11 200 SH X X 200
STANLEY WORKS 854616109 224 6,950 SH X X 6,950
STRYKER CORP 863667101 262 4,350 SH X 4,350
SUN MICROSYSTEMS INC 866810104 2,608 37,860 SH X 37,435 425
SUN MICROSYSTEMS INC 866810104 99 1,440 SH X X 990 450
SUSQUEHANNA BANCSHARES INC 869099101 284 16,039 SH X 6,209 9,830
SYNCOR INTERNATIONAL CORP 87157J106 292 8,100 SH X 8,100
TEXACO INC 881694103 1,043 16,718 SH X 16,718
TEXACO INC 881694103 150 2,400 SH X X 400 2,000
TEXAS INSTRUMENTS INC 882508104 737 5,120 SH X 5,120
TEXTRON INC 883203101 354 4,300 SH X 4,300
TEXTRON INC 883203101 82 1,000 SH X X 1,000
TIME WARNER INC 887315109 291 4,000 SH X 4,000
TIME WARNER INC 887315109 498 6,860 SH X X 6,860
TRICON GLOBAL RESTAURANTS INC 895953107 239 4,420 SH X 4,420
TRICON GLOBAL RESTAURANTS INC 895953107 11 200 SH X X 100 100
TYCO INTL LTD NEW 902124106 37 391 SH X 391
TYCO INTL LTD NEW 902124106 173 1,822 SH X X 1,822
US BANCORP DEL 902973106 112 3,350 SH X 2,850 500
US BANCORP DEL 902973106 409 12,249 SH X X 3,249 9,000
UNIFI INC 904677101 431 20,264 SH X 20,264
UNION PACIFIC CORP 907818108 1,198 20,540 SH X 20,540
UNION PACIFIC CORP 907818108 108 1,860 SH X X 660 1,200
UNION PACIFIC RESOURCES GROUP 907834105 189 11,566 SH X 11,566
UNITED HEALTHCARE CORP 910581107 139 2,215 SH X 2,215
------
PAGE TOTAL 9,981
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/23/99 PAGE 13
AS OF 06/30/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
UNITED HEALTHCARE CORP 910581107 63 1,000 SH X X 500 500
US WEST INC NEW 91273H101 959 16,318 SH X 16,318
US WEST INC NEW 91273H101 438 7,457 SH X X 5,453 2,004
VALLEY NATIONAL BANCORP 919794107 1,074 37,344 SH X 37,344
VANGUARD #77 PA TAX-FREE INSD LONG 92204L104 483 43,948 SH X 43,948
TERM PORTFOLIO
VANGUARD #43 MUNICIPAL BOND FUND 922907308 225 20,798 SH X 20,798
LONG TERM PORTFOLIO
WACHOVIA CORP 929771103 232 2,715 SH X 2,715
WAL MART STORES INC 931142103 1,057 21,900 SH X 21,900
WAL MART STORES INC 931142103 77 1,600 SH X X 1,600
WARNER LAMBERT CO 934488107 1,517 21,940 SH X 21,840 100
WARNER LAMBERT CO 934488107 62 900 SH X X 900
WELLS FARGO COMPANY 949746101 227 5,300 SH X 5,000 300
WILLIAMS COMPANIES INC 969457100 1,027 24,128 SH X 24,128
WILLIAMS COMPANIES INC 969457100 145 3,400 SH X X 3,400
XEROX CORP 984121103 1,645 27,855 SH X 27,855
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PAGE TOTAL 9,231
FINAL TOTALS 653,762
</TABLE>
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