UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 31, 1999
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: S & T Investment Company
Address: 919 N. Market St.
2nd Floor
Wilmington, DE 19801-4921
13F File Number: 28-0001089221
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: James G. Barone
Title: President
Phone: 724-465-1417
Signature, Place, and Date of Signing:
James G. Barone Indiana, PA February 9, 2000
Report Type (Check only one):
[ ] 13F HOLDINGS REPORT.
[ ] 13F NOTICE
[X] 13F COMBINATION REPORT
List of Other Managers Reporting for this Manager:
Form 13F File Number Name
<PAGE>
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 67
Form 13F Information Table Value Total: $83,795 (thousands)
List of Other Included Managers:
No. 13F File Number Name
<TABLE>
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
- ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Allstate Corp COM 020002101 277 11500 SH DEFINED 01 11500
Am Bank of Conn COM 024327108 1523 63800 SH DEFINED 01 63800
AmSouth Bancorp COM 032165102 579 30000 SH DEFINED 01 30000
Amcore Financial COM 023912108 816 34000 SH DEFINED 01 34000
Apollo Bancorp, PA COM 037645108 289 7000 SH DEFINED 01 7000
BSB Bancorp COM 055652101 1540 80000 SH DEFINED 01 80000
Bank of America Corp COM 060505104 284 5656 SH DEFINED 01 5656
Bell Atlantic COM 077853109 1231 20000 SH DEFINED 01 20000
Bell South COM 079860102 936 20000 SH DEFINED 01 20000
Bristol-Myers Squibb COM 110122108 1284 20000 SH DEFINED 01 20000
Bryn Mawr Bank Corp COM 117665109 2817 118000 SH DEFINED 01 118000
Chevron COM 166751107 428 4936 SH DEFINED 01 4936
Clearfield Bk&Tr Co COM 184804102 675 15344 SH DEFINED 01 15344
Commerce Bancorp Inc COM 200519106 908 22444 SH DEFINED 01 22444
Constellation Energy Grp COM 210371100 1740 60000 SH DEFINED 01 60000
Corus Bankshares COM 220873103 840 35000 SH DEFINED 01 35000
DPL Inc COM 233293109 563 32500 SH DEFINED 01 32500
Delta Air Lines COM 247361108 758 15210 SH DEFINED 01 15210
Deutsche Telekom COM 251566105 710 10000 SH DEFINED 01 10000
Dominion Resources COM 257470104 1766 45000 SH DEFINED 01 45000
DuPont COM 263534109 474 7200 SH DEFINED 01 7200
Eastman Kodak Co COM 277461109 1227 18515 SH DEFINED 01 18515
Elan Corp PLC COM 284131208 885 30000 SH DEFINED 01 30000
Equitable Resources Inc. COM 294549100 667 20000 SH DEFINED 01 20000
Exxon Mobil Corp COM 30231G102 1233 15300 SH DEFINED 01 15300
Federated Investors COM 314211103 1103 55000 SH DEFINED 01 55000
Fidelity Bancorp Inc COM 315831107 1102 83187 SH DEFINED 01 83187
First Commwlth Finl COM 319829107 670 55800 SH DEFINED 01 55800
First Union Corp COM 337358105 1601 48600 SH DEFINED 01 48600
Fleet Boston Finl Corp COM 33901A108 825 23688 SH DEFINED 01 23688
Fulton Finl Corp COM 360271100 491 27297 SH DEFINED 01 27297
GTE Corporation COM 362320103 1411 20000 SH DEFINED 01 20000
General Electric Co COM 369604103 2971 19200 SH DEFINED 01 19200
Harleysville Natl Corp COM 412850109 2502 77000 SH DEFINED 01 77000
Hartford Finl Svcs Grp COM 416515104 1528 32252 SH DEFINED 01 32252
IBM COM 459200101 345 3200 SH DEFINED 01 3200
IBT Bancorp COM 44923F108 2519 78120 SH DEFINED 01 78120
ITT Industries Inc COM 450911102 539 16126 SH DEFINED 01 16126
J C Penney Co COM 708160106 399 20000 SH DEFINED 01 20000
Keystone Financial COM 493482103 2317 110000 SH DEFINED 01 110000
Main Street Bancorp COM 559906102 987 100000 SH DEFINED 01 100000
Mellon Financial Corp COM 585509102 4101 120400 SH DEFINED 01 120400
National City Corp COM 635405103 5044 212932 SH DEFINED 01 212932
New Century Energies COM 64352U103 1063 35000 SH DEFINED 01 35000
Northern States Power COM 665772109 1365 70000 SH DEFINED 01 70000
Northwest Natural Gas COM 667655104 658 30000 SH DEFINED 01 30000
Omega Financial COM 682092101 609 21000 SH DEFINED 01 21000
PNC Bank Corp COM 693475105 3894 87500 SH DEFINED 01 87500
Pamrapo Bancorp Inc COM 697738102 1313 59000 SH DEFINED 01 59000
Parkvale Finl Corp COM 701492100 283 17600 SH DEFINED 01 17600
Penns Woods Bancorp COM 708430103 3740 93500 SH DEFINED 01 93500
Peoples Heritage Finl COM 711147108 602 40000 SH DEFINED 01 40000
Reliant Energy Inc COM 759525108 1601 70000 SH DEFINED 01 70000
SBC Communications COM 78387G103 655 13440 SH DEFINED 01 13440
Seacoast Financial COM 81170Q106 1222 120000 SH DEFINED 01 120000
Sempra Energy COM 816851109 1737 100000 SH DEFINED 01 100000
Sky Financial Group COM 83080P103 686 34072 SH DEFINED 01 34072
Somerset Trust Co COM 835104100 370 6500 SH DEFINED 01 6500
Sovereign Bancorp Inc COM 845905108 872 117000 SH DEFINED 01 117000
Susquehanna Bancshrs COM 869099101 1762 111000 SH DEFINED 01 111000
TXU COM 882848104 1956 55000 SH DEFINED 01 55000
Teco Energy COM 872375100 1207 65000 SH DEFINED 01 65000
Texaco COM 881694103 506 9324 SH DEFINED 01 9324
U S West Comm COM 91273H101 740 10273 SH DEFINED 01 10273
WVS Finl Corp COM 929358109 195 16000 SH DEFINED 01 16000
Washington Gas Light COM 938837101 1512 55000 SH DEFINED 01 55000
Western Resources COM 959425109 339 20000 SH DEFINED 01 20000
</TABLE>
