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Previous: BANK OF IRELAND ASSET MANAGEMENT US LTD /CT, 13F-HR, 1999-11-04 |
Next: ZAP COM CORP, S-1/A, 1999-11-04 |
<PAGE>
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 9/30/99
--------------
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 Bank N.A.
---------------------------------------------
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:
/s/ Bonnie E. Long Altoona PA 11/3/99
- ------------------------ ----------------------------- --------------
[Signature] [City, State] [Date]
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 1
AS OF 09/30/99
- - - - - 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>
ADM TRONICS UNLIMITED INC 001004100 6 20,000 SH X X 20,000
AFLAC CORP 001055102 1,264 30,175 SH X 26,925 3,250
AMR CORP DEL 001765106 352 6,460 SH X 6,460
AMR CORP DEL 001765106 22 400 SH X X 400
A T & T CORP 001957109 8,931 205,300 SH X 196,525 7,275 1,500
A T & T CORP 001957109 1,823 41,916 SH X X 31,134 10,782
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 172 4,622 SH X 4,572 50
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 2,014 53,968 SH X X 53,968
AT & T CORP - LIBERTY MEDIA GROUP B 001957307 537 13,520 SH X X 13,520
ABBOTT LABORATORIES 002824100 6,325 172,389 SH X 163,164 3,300 5,925
ABBOTT LABORATORIES 002824100 708 19,300 SH X X 4,400 14,900
AETNA INC 008117103 429 8,715 SH X 8,415 300
AFFILIATED COMPUTER SERVICES INC CL 008190100 223 5,477 SH X 5,477
A
AIR PRODUCTS & CHEMICALS INC 009158106 1,180 40,350 SH X 40,350
AIR PRODUCTS & CHEMICALS INC 009158106 89 3,040 SH X X 3,040
ALBERTSONS INC 013104104 267 6,756 SH X 6,756
ALCOA INC 013817101 600 9,674 SH X 12,318
ALLIED SIGNAL INC 019512102 355 5,928 SH X 5,856 72
ALLIED SIGNAL INC 019512102 12 200 SH X X 200
ALLSTATE CORPORATION 020002101 345 13,842 SH X 13,472 370
COM
ALLSTATE CORPORATION 020002101 121 4,850 SH X X 4,800 50
COM
----------
PAGE TOTAL 26,692
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 2
AS OF 09/30/99
- - - - - 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>
ALLTEL CORP 020039103 967 13,747 SH X 13,501 246
ALLTEL CORP 020039103 496 7,050 SH X X 5,800 1,250
AMERICA ONLINE INC 02364J104 999 9,602 SH X 9,502 100
AMERICA ONLINE INC 02364J104 229 2,200 SH X X 1,800 400
AMERICAN EXPRESS 025816109 546 4,042 SH X 4,042
AMERICAN EXPRESS 025816109 176 1,300 SH X X 400 900
AMERICAN GENERAL CORP 026351106 636 10,059 SH X 10,059
AMERICAN GENERAL CORP 026351106 221 3,500 SH X X 3,500
AMERICAN HOME PRODUCTS INC 026609107 4,205 101,326 SH X 100,776 550
AMERICAN HOME PRODUCTS INC 026609107 1,144 27,560 SH X X 11,200 16,360
AMERICAN INTERNATIONAL GROUP INC 026874107 642 7,380 SH X 7,318 62
AMERICAN INTERNATIONAL GROUP INC 026874107 200 2,297 SH X X 2,297
AMERICAN WATER WORKS COMPANY INC 030411102 293 10,130 SH X 10,130
AMERICAN WATER WORKS COMPANY INC 030411102 4 150 SH X X 150
AMERITECH CORP NEW 030954101 2,301 34,474 SH X 34,174 300
AMERITECH CORP NEW 030954101 1,017 15,234 SH X X 11,856 3,378
AMGEN INC 031162100 998 12,240 SH X 12,240
AMGEN INC 031162100 98 1,200 SH X X 800 400
ANHEUSER BUSCH COS INC 035229103 764 10,900 SH X 10,900
ARCHER DANIELS MIDLAND CO 039483102 154 12,732 SH X X 12,732
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 350 9,732 SH X 9,628 104
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 78 2,172 SH X X 1,226 946
ATLANTIC RICHFIELD 048825103 3,744 42,246 SH X 39,846 1,400 1,000
ATLANTIC RICHFIELD 048825103 624 7,045 SH X X 2,845 4,200
AUTOMATIC DATA PROCESSING INC 053015103 582 13,050 SH X 13,050
----------
PAGE TOTAL 21,468
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 3
AS OF 09/30/99
- - - - - 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>
BAKER HUGHES INC 057224107 437 15,058 SH X 15,058
BANK OF AMERICA CORP 060505104 1,863 33,458 SH X 33,458
BANK OF AMERICA CORP 060505104 2 28 SH X X 28
BANK OF NEW YORK 064057102 754 22,550 SH X 22,550
BANK OF NEW YORK 064057102 54 1,600 SH X X 1,600
BANK ONE CORP 06423A103 580 16,664 SH X 16,664
BAXTER INTERNATIONAL INC 071813109 225 3,742 SH X 3,742
BAXTER INTERNATIONAL INC 071813109 69 1,139 SH X X 1,139
BELL ATLANTIC CORP 077853109 13,193 195,998 SH X 187,698 1,375 6,925
BELL ATLANTIC CORP 077853109 2,074 30,815 SH X X 21,999 8,816
BELLSOUTH CORP 079860102 8,226 182,806 SH X 177,532 5,274
BELLSOUTH CORP 079860102 1,526 33,920 SH X X 18,366 15,554
BESTFOODS 08658U101 1,514 31,176 SH X 31,176
BESTFOODS 08658U101 41 848 SH X X 448 400
BIG SMITH BRANDS INC 08954C102 3 10,000 SH X 10,000
BLACKROCK PENN TAX FR INC-I 091928622 348 33,119 SH X 33,119
BRISTOL MYERS SQUIBB CO 110122108 7,257 107,514 SH X 104,714 2,800
BRISTOL MYERS SQUIBB CO 110122108 1,204 17,840 SH X X 9,400 8,440
BRYN MAWR BK CORP 117665109 321 12,776 SH X 12,776
BURLINGTON NORTHERN SANTA FE INC 12189T104 823 29,915 SH X 29,915
BURLINGTON NORTHERN SANTA FE INC 12189T104 41 1,500 SH X X 1,350 150
CBS CORP 12490K107 457 9,880 SH X 9,880
CBS CORP 12490K107 28 600 SH X X 600
C-COR.NET CORP 125010108 67 2,200 SH X 2,200
C-COR.NET CORP 125010108 1,671 55,000 SH X X 53,000 2,000
----------
PAGE TOTAL 42,778
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 4
AS OF 09/30/99
- - - - - 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>
CSX CORP 126408103 1,313 30,992 SH X 30,792 200
CSX CORP 126408103 249 5,865 SH X X 3,000 2,325 540
CAMPBELL SOUP CO 134429109 213 5,435 SH X 5,435
FEDERATED #4 CAPITAL PRESERVATION 140411109 123 12,336 SH X 4,916 7,419
(GIC) FUND
CARLISLE COMPANIES INC 142339100 1,379 34,900 SH X 34,900
CARLISLE COMPANIES INC 142339100 16 408 SH X X 408
CARNIVAL CORPORATION 143658102 315 7,250 SH X 7,250
CARNIVAL CORPORATION 143658102 44 1,000 SH X X 1,000
CAROLINA POWER & LIGHT CO 144141108 226 6,401 SH X 6,401
CAROLINA POWER & LIGHT CO 144141108 106 3,000 SH X X 3,000
CATERPILLAR INC 149123101 744 13,575 SH X 13,375 200
CATERPILLAR INC 149123101 33 600 SH X X 600
CENTOCOR INC 152342101 652 11,125 SH X 11,125
CENTOCOR INC 152342101 100 1,700 SH X X 700 1,000
CHASE MANHATTAN CORP NEW 16161A108 1,336 17,728 SH X 16,228 500 1,000
CHASE MANHATTAN CORP NEW 16161A108 30 400 SH X X 400
CHEVRON CORP 166751107 1,399 15,759 SH X 15,059 700
CHEVRON CORP 166751107 407 4,584 SH X X 2,288 2,296
CISCO SYSTEMS INC 17275R102 5,982 87,250 SH X 86,085 825 340
CISCO SYSTEMS INC 17275R102 1,057 15,420 SH X X 12,600 2,820
CITIZENS & NORTHERN CORP 172922106 322 10,559 SH X 10,559
CITIGROUP INC 172967101 2,903 65,987 SH X 64,758 1,228
CITIGROUP INC 172967101 402 9,147 SH X X 6,372 2,775
CITIZENS UTILITIES COMPANY SERIES B 177342201 117 10,378 SH X 10,378
COASTAL CORP 190441105 733 17,900 SH X 17,700 200
----------
PAGE TOTAL 20,201
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 5
AS OF 09/30/99
- - - - - 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>
COCA COLA 191216100 2,517 52,163 SH X 46,068 1,500 4,595
COCA COLA 191216100 1,457 30,189 SH X X 28,724 1,465
COLGATE-PALMOLIVE CO 194162103 500 10,936 SH X 10,936
COLGATE-PALMOLIVE CO 194162103 366 8,000 SH X X 8,000
COMMUNITY BKS INC MILLERSBURG PA 203628102 347 17,295 SH X 17,295
COMPAQ COMPUTER CORP 204493100 1,859 81,269 SH X 78,194 2,000 1,075
COMPAQ COMPUTER CORP 204493100 149 6,500 SH X X 1,200 4,550 750
COMPUTER ASSOCIATES 204912109 561 9,175 SH X 8,725 450
COMPUTER ASSOCIATES 204912109 49 800 SH X X 500 300
COMPUTER NETWORK TECHNOLOGY CORP 204925101 396 42,550 SH X 42,550
COMPUWARE CORP 205638109 408 15,650 SH X 15,050 600
COMPUWARE CORP 205638109 21 800 SH X X 800
CONAGRA INC 205887102 1,068 47,314 SH X 46,364 950
CONECTIV INC 206829103 251 12,799 SH X 12,799
CONECTIV INC 206829103 65 3,300 SH X X 2,550 750
CONOCO INC CL B 208251405 361 13,196 SH X 13,196
CONSOLIDATED EDISON INC 209115104 603 14,539 SH X 14,539
CONSOLIDATED EDISON INC 209115104 25 600 SH X X 600
CONSOLIDATED NATURAL GAS CO 209615103 261 4,184 SH X 4,184
CONSOLIDATED NATURAL GAS CO 209615103 100 1,600 SH X X 1,000 600
CONSTELLATION ENERGY GROUP 210371100 1,754 62,375 SH X 61,775 600
CONSTELLATION ENERGY GROUP 210371100 330 11,725 SH X X 7,400 3,725 600
ALLEN DISTRIBUTION 14.85% INTEREST 2307603Y4 1,804 1,804,275 SH X 1,804,275
LTD PARTNERSHIP
STEINER & STEINER GENERAL 2307706Y0 250 1 SH X 1
PARTNERSHIP
BIOWORKS INC SERIES B 2307857Y7 50 20,000 SH X 20,000
CONV PFD
--------
PAGE TOTAL 15,552
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 6
AS OF 09/30/99
- - - - - 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>
ONE-HALF INTEREST ANTHONY & JOSEPH 2309423Y8 21 21,427 SH X X 21,427
D'ANGELO PARTNERSHIP
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 100 2,681 SH X X 1,150 1,531
DANAHER CORP 235851102 1,192 22,625 SH X 22,275 350
DANAHER CORP 235851102 37 700 SH X X 500 200
DEERE & CO 244199105 1,613 41,690 SH X 41,140 550
DEERE & CO 244199105 19 500 SH X X 500
DELL COMPUTER CORP 247025109 1,681 40,200 SH X 32,200 8,000
DELL COMPUTER CORP 247025109 33 800 SH X X 400 400
DIGI INTERNATIONAL INC 253798102 114 10,400 SH X 10,400
DISNEY WALT CO 254687106 2,628 101,064 SH X 94,289 1,300 5,475
DISNEY WALT CO 254687106 798 30,700 SH X X 27,200 3,500
DOMINION RESOURCES INC VA 257470104 382 8,468 SH X 8,468
DOMINION RESOURCES INC VA 257470104 90 1,999 SH X X 1,999
DOVER CORP 260003108 4,284 104,800 SH X 104,800
DOVER CORP 260003108 376 9,200 SH X X 9,200
DOW CHEMICAL 260543103 2,936 25,842 SH X 25,207 635
DOW CHEMICAL 260543103 170 1,500 SH X X 1,000 500
DUPONT E I DE NEMOURS & COMPANY 263534109 5,389 89,077 SH X 84,327 2,000 2,750
DUPONT E I DE NEMOURS & COMPANY 263534109 472 7,795 SH X X 7,570 225
----------
PAGE TOTAL 23,370
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 7
AS OF 09/30/99
- - - - - 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>
DUKE ENERGY CORP 264399106 253 4,592 SH X 4,592
DUKE ENERGY CORP 264399106 91 1,649 SH X X 1,233 416
EMC CORP MASS 268648102 364 5,095 SH X 5,095
EASTMAN KODAK CO 277461109 609 8,056 SH X 8,056
EASTMAN KODAK CO 277461109 61 800 SH X X 450 300 50
EATON CORP 278058102 1,085 12,575 SH X 11,275 300 1,000
EATON VANCE PENNSYLVANIA LIMITED 27826H743 390 41,051 SH X 41,051
MATURITY MUNICIPALS FUND C
EATON VANCE NATIONAL MUNICIPALS FUND 27826L108 361 37,023 SH X 37,023
EATON VANCE NATIONAL MUNICIPALS FUND 27826L108 60 6,137 SH X X 6,137
EMERSON ELECTRIC 291011104 1,020 16,146 SH X 16,146
EMERSON ELECTRIC 291011104 51 800 SH X X 200 600
ENRON CORP 293561106 309 7,534 SH X 7,534
ENRON CORP 293561106 139 3,380 SH X X 380 3,000
EXXON CORP 302290101 14,288 187,995 SH X 184,945 2,600 450
EXXON CORP 302290101 2,759 36,300 SH X X 26,300 10,000
FPL GROUP INC 302571104 1,179 23,395 SH X 23,195 200
FPL GROUP INC 302571104 20 400 SH X X 400
FEDERAL HOME LOAN MTGE CORP 313400301 276 5,300 SH X 5,300
FANNIE MAE 313586109 3,456 55,135 SH X 54,585 550
FANNIE MAE 313586109 481 7,670 SH X X 5,300 2,370
FEDERATED #9 US GOVT SEC (1-3 YRS) 31428M100 105 10,102 SH X 8,877 1,225
FEDERATED #47 U.S. GOVERNMENT SEC 31428P103 694 65,898 SH X 56,651 9,246
(2-5 YRS) FUND
FIDELITY #037 SPARTAN MUNICIPAL 316089507 237 19,448 SH X 19,448
INCOME FUND
FIRST LEESPORT BANCORP 320682107 630 33,600 SH X 33,600
FIRST SENTINEL BANCORP INC 33640T103 78 10,000 SH X 10,000
----------
PAGE TOTAL 28,996
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 8
AS OF 09/30/99
- - - - - 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>
FIRST UNION CORP N CAROLINA 337358105 7,137 200,346 SH X 199,046 1,150 150
FIRST UNION CORP N CAROLINA 337358105 774 21,735 SH X X 13,220 7,705 810
FIRST UNITED CORP 33741H107 221 15,267 SH X 13,259 2,008
FIRST UNITED CORP 33741H107 68 4,677 SH X X 2,627 2,050
FLEET FINANCIAL GROUP INC NEW 338915101 641 17,509 SH X 16,584 925
FLEET FINANCIAL GROUP INC NEW 338915101 237 6,478 SH X X 4,126 2,352
FLORIDA PROGRESS CORP 341109106 222 4,800 SH X 4,800
FLORIDA PROGRESS CORP 341109106 9 200 SH X X 200
FORD MOTOR 345370100 1,445 28,762 SH X 28,362 400
FORD MOTOR 345370100 234 4,663 SH X X 2,448 2,215
FORTUNE BRANDS INC 349631101 300 9,305 SH X 1,400
FRONTIER CORP 35906P105 868 16,000 SH X X 16,000
FULTON FINANCIAL INC 360271100 648 34,555 SH X 14,534 20,021
FULTON FINANCIAL INC 360271100 479 25,539 SH X X 25,539
GTE CORP 362320103 5,763 74,963 SH X 73,713 1,000 250
GTE CORP 362320103 1,002 13,038 SH X X 5,848 7,190
GAP INC 364760108 831 25,961 SH X 24,636 725 600
GAP INC 364760108 38 1,200 SH X X 1,200
GENERAL ELECTRIC CO 369604103 27,193 229,352 SH X 218,462 4,925 5,965
GENERAL ELECTRIC CO 369604103 5,842 49,275 SH X X 26,650 22,625
GENERAL MILLS INC 370334104 262 3,235 SH X 3,235
----------
PAGE TOTAL 55,178
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 9
AS OF 09/30/99
- - - - - - 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>
GENERAL MILLS INC 370334104 16 200 SH X X 200
GENERAL MOTORS CORP 370442105 1,135 18,031 SH X 17,831 200
GENERAL MOTORS CORP 370442105 90 1,424 SH X X 348 1,076
GENESIS HEALTH VENTURES INC 371912106 160 67,500 SH X 67,500
GEORGIA PACIFIC GROUP 373298108 295 7,283 SH X 7,283
GILLETTE CO 375766102 586 17,276 SH X 16,676 600
GILLETTE CO 375766102 276 8,120 SH X X 5,720 2,400
GLATFELTER P H CO 377316104 740 45,000 SH X 45,000
GLIMCHER REALTY TRUST 379302102 175 11,904 SH X 11,904
GOVERNOR LIMITED DURATION 383757408 50,918 5,201,049 SH X 5,154,240 16,941 29,867
GOVERNMENT SECURITIES FUND
GOVERNOR LIMITED DURATION 383757408 1,297 132,508 SH X X 17,036 113,971 1,500
GOVERNMENT SECURITIES FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 86,332 8,702,863 SH X 8,599,116 37,122 66,624
BOND FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 16,717 1,685,172 SH X X 181,846 1,493,764 9,561
BOND FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 286,565 30,453,236 SH X 30,204,635 112,878 135,722
FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 8,310 883,066 SH X X 176,047 661,896 45,122
FUND
HALLIBURTON CO 406216101 1,384 33,768 SH X 32,593 125 1,050
HALLIBURTON CO 406216101 395 9,639 SH X X 2,000 7,452 187
HARTFORD FINANCIAL SERVICES GROUP 416515104 188 4,600 SH X 4,600
INC
HARTFORD FINANCIAL SERVICES GROUP 416515104 57 1,406 SH X X 400 1,006
INC
HEINZ H J CO 423074103 2,452 57,012 SH X 54,112 900 2,000
HEINZ H J CO 423074103 399 9,275 SH X X 2,250 7,025
HERCULES INC 427056106 189 6,590 SH X 6,590
HERCULES INC 427056106 67 2,341 SH X X 400 1,941
HERSHEY FOODS CORP 427866108 1,755 36,044 SH X 35,944 100
HERSHEY FOODS CORP 427866108 669 13,740 SH X X 9,400 4,340
----------
PAGE TOTAL 461,167
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 10
AS OF 09/30/99
- - - - - - 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>
HEWLETT PACKARD CO 428236103 846 9,321 SH X 7,621 1,300 400
HEWLETT PACKARD CO 428236103 104 1,150 SH X X 400 750
HOME DEPOT INC 437076102 137 2,000 SH X 2,000
HOME DEPOT INC 437076102 350 5,099 SH X X 3,899 1,200
HONEYWELL INC 438506107 267 2,400 SH X 2,400
HONEYWELL INC 438506107 89 800 SH X X 800
HUNTINGTON BANCSHARES INC 446150104 216 8,125 SH X 8,125
HUNTINGTON BANCSHARES INC 446150104 88 3,327 SH X X 3,327
HUTCHINSON TECHNOLOGY INC 448407106 893 33,075 SH X 33,075
INTEGRA LIFESCIENCES HOLDING CORP 457985208 120 19,000 SH X 19,000
INTEL CORP 458140100 10,645 143,239 SH X 140,164 2,925 150
INTEL CORP 458140100 1,017 13,690 SH X X 8,320 5,370
INTERDIGITAL COMMUNICATIONS CORP 45866A105 110 20,000 SH X 20,000
FEDERATED #78 INTERMEDIATE MUNI 458810108 597 58,775 SH X 58,775
FUND
INTERNATIONAL BUSINESS MACHINES 459200101 8,866 73,271 SH X 69,621 2,700 950
CORP
INTERNATIONAL BUSINESS MACHINES 459200101 2,541 21,003 SH X X 8,248 12,755
CORP
INTERNATIONAL PAPER CO 460146103 1,401 29,142 SH X 29,142
INTERNATIONAL PAPER CO 460146103 154 3,200 SH X X 3,200
JLG INDUSTRIES INC 493482103 317 20,842 SH X 20,842
JOHNSON & JOHNSON 478160104 5,302 57,709 SH X 54,359 1,100 250
JOHNSON & JOHNSON 478160104 1,001 10,900 SH X X 7,940 3,000
KEYSTONE FINANCIAL INC 493482103 54,617 2,299,683 SH X 71,420 50,925 2,197,338
KEYSTONE FINANCIAL INC 493482103 3,383 142,433 SH X X 12,360 130,083
KIMBERLY CLARK CORP 494368103 521 9,885 SH X 9,159 726
KIMBERLY CLARK CORP 494368103 187 3,550 SH X X 3,550
-------
PAGE TOTAL 93,769
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 11
AS OF 09/30/99
- - - - - 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>
LEGGETT & PLATT INC 524660107 402 20,400 SH X 20,400
LILLY ELI & CO 532457108 1,222 19,040 SH X 17,840 1,200
LILLY ELI & CO 532457108 42 650 SH X X 650
LINEAR TECHNOLOGY CORP 535678106 564 9,600 SH X 9,600
LINEAR TECHNOLOGY CORP 535678106 71 1,200 SH X X 1,200
LITTON INDUSTRIES INC 538021106 260 4,755 SH X 4,755
LOCKHEED MARTIN CORP 539830109 617 18,866 SH X 18,866
LOWE'S COMPANIES INC 548661107 243 4,975 SH X 4,425 550
LOWE'S COMPANIES INC 548661107 49 1,000 SH X X 1,000
LUCENT TECHNOLOGIES INC 549463107 14,376 221,597 SH X 212,169 8,778 650
LUCENT TECHNOLOGIES INC 549463107 2,031 31,299 SH X X 21,735 9,564
MCI WORLDCOM INC 55268B106 3,316 46,132 SH X 45,757 375
MCI WORLDCOM INC 55268B106 379 5,269 SH X X 2,723 2,546
MFS PENNSYLVANIA MUNICIPAL BOND 55273N798 152 16,142 SH X 16,142
FUND A
MAIN STREET BANCORP INC 559906102 650 49,739 SH X 49,739
MAY DEPARTMENT STORES CO INC 577778103 399 10,962 SH X 10,422 540
MAY DEPARTMENT STORES CO INC 577778103 27 750 SH X X 750
MCDONALDS CORP 580135101 2,397 55,425 SH X 54,025 1,400
MCDONALDS CORP 580135101 254 5,866 SH X X 2,548 3,318
MEDIAONE GROUP INC 58440J104 795 11,640 SH X 11,340 300
MEDIAONE GROUP INC 58440J104 513 7,515 SH X X 6,194 1,321
MEDTRONIC INC 585055106 812 22,824 SH X 22,074 750
MEDTRONIC INC 585055106 128 3,600 SH X X 3,600
MELLON BANK CORP 585509102 240 7,140 SH X 7,140
MELLON BANK CORP 585509102 128 3,812 SH X X 3,812
----------
PAGE TOTAL 30,067
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 12
AS OF 09/30/99
- - - - - 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>
MERCK & COMPANY INC 589331107 10,179 157,045 SH X 151,565 2,200 3,280
MERCK & COMPANY INC 589331107 1,876 28,950 SH X X 11,950 17,000
MICROSOFT CORP 594918104 6,173 68,165 SH X 67,830 260 75
MICROSOFT CORP 594918104 336 3,715 SH X X 2,300 1,415
MINNESOTA MINING & MANUFACTURING 604059105 1,672 17,407 SH X 17,207 200
CO
MINNESOTA MINING & MANUFACTURING 604059105 163 1,694 SH X X 1,390 304
CO
MOBIL CORP 607059102 9,948 98,743 SH X 95,145 1,923 1,675
MOBIL CORP 607059102 1,543 15,314 SH X X 11,264 4,050
MONSANTO CO 611662107 2,119 59,380 SH X 55,230 1,500 2,650
MONSANTO CO 611662107 184 5,150 SH X X 5,150
MORGAN J P & CO INC 616880100 923 8,075 SH X 7,755 320
MORGAN J P & CO INC 616880100 91 800 SH X X 700 100
MORGAN STANLEY DEAN WITTER & CO 617446448 1,834 20,558 SH X 20,058 500
MORGAN STANLEY DEAN WITTER & CO 617446448 250 2,808 SH X X 2,488 320
MOTOROLA INC 620076109 4,197 47,694 SH X 45,544 1,550 600
MOTOROLA INC 620076109 158 1,800 SH X X 1,000 800
FEDERATED #311 PA MUNI INCOME FD A 625922505 2,152 194,036 SH X 194,036
FEDERATED #311 PA MUNI INCOME FD A 625922505 107 9,658 SH X X 9,658
MUTUAL CONSUMER DISCOUNT CO 628247892 7 13,780 SH X 13,780
CLASS A
NATIONAL CITY CORP 635405103 245 9,180 SH X 8,380 800
NEOSE TECHNOLOGIES INC 640522108 162 10,800 SH X 10,800
NEW CENTURY ENERGIES INC 64352U103 648 19,365 SH X 19,365
NEW CENTURY ENERGIES INC 64352U103 68 2,045 SH X X 2,045
NEW ENGLAND MUNICIPAL INCOME FUND A 644036600 111 15,000 SH X 15,000
NICOR INC 654086107 238 6,400 SH X 6,300 100
----------
PAGE TOTAL 45,384
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 13
AS OF 09/30/99
- - - - - 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>
NICOR INC 654086107 5 130 SH X X 130
NIKE INC C/B 654106103 789 13,865 SH X 13,615 250
NORFOLK SOUTHERN CORP 655844108 451 18,422 SH X 18,422
NORFOLK SOUTHERN CORP 655844108 203 8,279 SH X X 6,750 900 629
NOSTALGIA NETWORK INC NEW 669752305 1 10,000 SH X X 10,000
NUVEEN FLAGSHIP PA MUNI FUND R 67065L716 139 14,005 SH X 14,005
OMEGA FINANCIAL CORP 682092101 193 6,108 SH X 6,108
OMEGA FINANCIAL CORP 682092101 575 18,183 SH X X 12,000 6,183
PECO ENERGY CO 693304107 303 8,072 SH X 8,072
PECO ENERGY CO 693304107 23 625 SH X X 78 547
PNC BANK CORP 693475105 2,681 50,891 SH X 46,820 4,071
PNC BANK CORP 693475105 244 4,625 SH X X 2,470 2,155
P P & L RESOURCES INC 693499105 4,470 165,163 SH X 157,469 1,600 6,094
P P & L RESOURCES INC 693499105 263 9,725 SH X X 2,450 7,275
PPG INDUSTRIES INC 693506107 2,715 45,245 SH X 44,845 400
PPG INDUSTRIES INC 693506107 223 3,711 SH X X 2,251 1,460
PALL CORP 696429307 232 10,000 SH X X 10,000
PENNEY J C 708160106 433 12,550 SH X 10,900 1,650
PENNS WOODS BANCORP., INC. 708430103 257 5,458 SH X 5,458
PEPSICO INC 713448108 1,899 62,262 SH X 60,962 200 1,100
PEPSICO INC 713448108 416 13,648 SH X X 6,948 6,700
PHARMACIA & UPJOHN INC 716941109 263 5,295 SH X 5,295
PFIZER INC 717081103 4,247 118,371 SH X 114,771 2,400 1,200
PFIZER INC 717081103 933 26,000 SH X X 20,400 5,600
PHELPS DODGE CORP 717265102 535 9,725 SH X 9,625 100
----------
PAGE TOTAL 22,493
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 14
AS OF 09/30/99
- - - - - 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>
PHELPS DODGE CORP 717265102 12 225 SH X X 225
PHILIP MORRIS COMPANIES INC 718154107 3,404 99,567 SH X 98,967 600
PHILIP MORRIS COMPANIES INC 718154107 444 13,000 SH X X 3,100 9,900
PHILLIPS PETROLEUM CO 718507106 626 12,840 SH X 12,840
PHILLIPS PETROLEUM CO 718507106 5 100 SH X X 100
PICTURETEL CORP 720035302 47 11,000 SH X 11,000
PROSPERITY DEVELOPMENT COMPANY 7213760Y8 194 5 SH X 5
PROSPERITY DEVELOPMENT COMPANY 7213760Y8 705 19 SH X X 19
PITNEY BOWES 724479100 253 4,150 SH X 4,150
PITNEY BOWES 724479100 634 10,400 SH X X 10,400
PROCTER & GAMBLE CO 742718109 4,873 51,983 SH X 50,858 750 375
PROCTER & GAMBLE CO 742718109 636 6,785 SH X X 2,485 4,300
PRUDENTIAL MUNICIPAL PA FUND B 74435M887 114 11,374 SH X 11,374
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 604 15,646 SH X 15,646
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 158 4,102 SH X X 4,102
RAYTHEON CO CL B 755111408 1,052 21,200 SH X 20,325 875
RAYTHEON CO CL B 755111408 10 200 SH X X 200
ROCKWELL INTERNATIONAL CORP NEW 773903109 226 4,308 SH X 4,308
ROCKWELL INTERNATIONAL CORP NEW 773903109 8 144 SH X X 144
ROHM & HAAS 775371107 321 8,885 SH X 8,885
ROHM & HAAS 775371107 28 774 SH X X 774
T ROWE PRICE MARYLAND TAX FREE 77957R101 559 55,409 SH X 55,409
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 249 49,081 SH X 49,081
BOND FUND #90
T ROWE PRICE SHORT TERM TAX FREE 77957R606 16 3,083 SH X X 3,083
BOND FUND #90
----------
PAGE TOTAL 15,188
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 15
AS OF 09/30/99
- - - - - 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>
ROWLAND LAND COMPANY, LTD 779665405 2,179 2,758 SH X 2,758
LIMITED PARTNERSHIP
SBC COMMUNICATIONS INC 78387G103 5,023 98,367 SH X 96,529 1,838
SBC COMMUNICATIONS INC 78387G103 1,291 25,288 SH X X 16,658 8,630
SARA LEE CORP 803111103 1,015 43,428 SH X 43,428
SCHLUMBERGER LTD 806857108 50 800 SH X X 800
SCHWAB CHARLES CORP NEW 808513105 1,419 42,445 SH X 41,695 550 200
SCHWAB CHARLES CORP NEW 808513105 66 1,980 SH X X 1,980
SEARS ROEBUCK & CO 812387108 305 9,706 SH X 9,706
SEARS ROEBUCK & CO 812387108 87 2,786 SH X X 2,760 26
SELECTIVE INSURANCE GROUP 816300107 357 18,904 SH X 18,004 900
THE SOUTHERN CO 842587107 467 18,138 SH X 18,138
THE SOUTHERN CO 842587107 21 800 SH X X 800
SPRINT CORP 852061100 4,375 80,651 SH X 74,521 6,130
SPRINT CORP 852061100 98 1,800 SH X X 200 1,600
SPRINT CORP (PCS GRP) 852061506 1,308 17,539 SH X 16,089 1,450
SPRINT CORP (PCS GRP) 852061506 34 450 SH X X 50 400
STATE STREET CORP 857477103 3,024 46,790 SH X 46,790
STATE STREET CORP 857477103 1,293 20,000 SH X X 20,000
STRYKER CORP 863667101 222 4,350 SH X 4,350
STRYKER CORP 863667101 128 2,500 SH X X 1,000 1,500
SUMMIT BANCORP 866005101 368 11,334 SH X 11,334
----------
PAGE TOTAL 26,392
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 16
AS OF 09/30/99
- - - - - 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>
SUMMIT BANCORP 866005101 18 569 SH X X 569
SUN MICROSYSTEMS INC 866810104 6,892 74,110 SH X 71,475 410 2,225
SUN MICROSYSTEMS INC 866810104 181 1,950 SH X X 1,500 450
SUNTRUST BANKS INC 867914103 382 5,812 SH X 5,812
SUSQUEHANNA BANCSHARES INC 869099101 568 32,916 SH X 21,367 1,719 9,830
SUSQUEHANNA BANCSHARES INC 869099101 19 1,098 SH X X 1,098
SYNCOR INTERNATIONAL CORP 87157J106 360 9,600 SH X 9,600
TF FINANCIAL CORP 872391107 145 10,000 SH X 10,000
TEXACO INC 881694103 1,562 24,752 SH X 24,552 200
TEXACO INC 881694103 189 3,000 SH X X 1,000 2,000
TEXAS INSTRUMENTS INC 882508104 2,023 24,590 SH X 24,590
TEXAS INSTRUMENTS INC 882508104 20 240 SH X X 240
TEXTRON INC 883203101 507 6,550 SH X 6,550
TEXTRON INC 883203101 77 1,000 SH X X 1,000
TIME WARNER INC 887315109 486 8,000 SH X 8,000
TIME WARNER INC 887315109 720 11,860 SH X X 11,060 800
TRICON GLOBAL RESTAURANTS INC 895953107 186 4,540 SH X 4,540
TRICON GLOBAL RESTAURANTS INC 895953107 35 844 SH X X 184 660
TYCO INTL LTD NEW 902124106 5,804 56,212 SH X 55,687 525
TYCO INTL LTD NEW 902124106 6,474 62,702 SH X X 31,679 31,023
UST INC 902911106 145 4,800 SH X 4,800
UST INC 902911106 109 3,600 SH X X 3,600
US BANCORP DEL 902973106 158 5,228 SH X 4,728 500
US BANCORP DEL 902973106 288 9,549 SH X X 3,249 6,300
US FOODSERVICE 90331R101 491 27,275 SH X 26,975 300
----------
PAGE TOTAL 27,839
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 17
AS OF 09/30/99
- - - - - 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>
US FOODSERVICE 90331R101 49 2,700 SH X X 2,700
UNIFI INC 904677101 481 43,739 SH X 43,739
UNION CARBIDE CORP 905581104 530 9,327 SH X 9,327
UNION CARBIDE CORP 905581104 13 225 SH X X 225
UNION PACIFIC CORP 907818108 1,064 22,140 SH X 22,140
UNION PACIFIC CORP 907818108 147 3,060 SH X X 1,860 1,200
UNION PACIFIC RESOURCES GROUP 907834105 209 12,861 SH X 12,861
UNITED HEALTHCARE CORP 910581107 217 4,465 SH X 4,465
UNITED HEALTHCARE CORP 910581107 49 1,000 SH X X 500 500
US WEST INC NEW 91273H101 2,156 37,787 SH X 37,387 400
US WEST INC NEW 91273H101 478 8,372 SH X X 6,068 2,304
UNITED TECHNOLOGIES CORP 913017109 1,112 18,750 SH X 18,750
UNITED TECHNOLOGIES CORP 913017109 95 1,600 SH X X 1,600
UNITRIN INC 913275103 328 9,440 SH X 9,440
VALLEY NATIONAL BANCORP 919794107 929 37,344 SH X 37,344
VAN KAMPEN PA TAX-FREE INCOME FUND 920902103 297 17,615 SH X 17,615
CL A
VAN KAMPEN US GOVERNMENT FUND INC 921129102 122 8,870 SH X 6,753 2,117
CL A
VAN KAMPEN US GOVERNMENT FUND INC 921129102 102 7,401 SH X X 7,401
CL A
VANGUARD #77 PA TAX-FREE INSD LONG 92204L104 472 43,948 SH X 43,948
TERM PORTFOLIO
VANGUARD #43 MUNICIPAL BOND FUND 922907308 219 20,798 SH X 20,798
LONG TERM PORTFOLIO
WACHOVIA CORP 929771103 261 3,315 SH X 3,315
WAL MART STORES INC 931142103 1,107 23,280 SH X 23,080 200
WAL MART STORES INC 931142103 81 1,700 SH X X 100 1,600
WALGREEN CO 931422109 1,425 56,175 SH X 55,250 925
WALGREEN CO 931422109 213 8,400 SH X X 2,800 5,600
----------
PAGE TOTAL 12,156
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/27/99 PAGE 18
AS OF 09/30/99
- - - - - 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>
WARNER LAMBERT CO 934488107 4,163 62,715 SH X 61,415 1,200 100
WARNER LAMBERT CO 934488107 986 14,849 SH X X 13,422 1,427
WELLS FARGO COMPANY 949746101 424 10,700 SH X 10,700
WENDY'S INTERNATIONAL INC 950590109 649 24,497 SH X 24,497
WILLIAMS COMPANIES INC 969457100 1,775 47,178 SH X 45,453 725 1,000
WILLIAMS COMPANIES INC 969457100 128 3,400 SH X X 3,400
XEROX CORP 984121103 1,566 37,330 SH X 37,330
XEROX CORP 984121103 67 1,600 SH X X 1,600
----------
PAGE TOTAL 9,758
FINAL TOTALS 978,448
</TABLE>
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