LEDYARD NATIONAL BANK
13F-HR, 2000-10-03
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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: 09/30/00

Check here if Amendment [  ]; Amendment Number:
This Amendment (Check only one.): [  ] is a restatement.
                                  [  ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:    LEDYARD NATIONAL BANK
Address: 38 MAIN STREET

         HANOVER, NH 03755-0799

13F File Number:

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:     JUDITH B DIONNE
Title:    VP/TRUST OPERATIONS OFFICER
Phone:    603-643-0044
Signature, Place, and Date of Signing:

    LEDYARD NATIONAL BANK  HANOVER, NH    OCTOBER 03, 2000


Report Type (Check only one.):

[ X]        13F HOLDINGS REPORT.

[  ]        13F NOTICE.

[  ]        13F COMBINATION REPORT.





I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.
<PAGE>

                          FORM 13F SUMMARY PAGE


Report Summary:

Number of Other Included Managers:       0

Form 13F Information Table Entry Total:      165

Form 13F Information Table Entry Total:        $92,140



List of Other Included Managers:

NONE


<PAGE>
<TABLE>                        <C>                                            <C>
                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (x$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- --- ---  --- ---- ------- ------------- ------- --------- ------
A T & T CORP                   COM              001957109      287     9902 SH       SOLE                     9352               550
A T & T CORP                   COM              001957109      294    10158 SH       DEFINED                  8633              1525
ABBOTT LABORATORIES            COM              002824100       58     1224 SH       SOLE                     1024               200
ABBOTT LABORATORIES            COM              002824100      293     6126 SH       DEFINED                   926              5200
AMERICAN EXPRESS CO            COM              025816109      192     3050 SH       SOLE                     3050
AMERICAN EXPRESS CO            COM              025816109      161     2565 SH       DEFINED                  1815               750
AMERICAN HOME PRODUCTS CORP    COM              026609107      210     3706 SH       SOLE                     3706
AMERICAN HOME PRODUCTS CORP    COM              026609107      597    10538 SH       DEFINED                  9388              1150
AMERICAN INTERNATIONAL GROUP I COM              026874107     1943    20127 SH       SOLE                    19013              1114
AMERICAN INTERNATIONAL GROUP I COM              026874107      646     6692 SH       DEFINED                  6101      141      450
AMGEN INC                      COM              031162100      305     4640 SH       SOLE                     4640
AMGEN INC                      COM              031162100      670    10200 SH       DEFINED                  5800              4400
APACHE CORP                    COM              037411105      195     3250 SH       SOLE                     3175                75
APACHE CORP                    COM              037411105      113     1885 SH       DEFINED                  1885
ARROW FINANCIAL CORP           COM              042744102      173    10176 SH       SOLE                    10176
AUTOMATIC DATA PROCESSING INC  COM              053015103      524     8100 SH       SOLE                     7900               200
AUTOMATIC DATA PROCESSING INC  COM              053015103      576     8900 SH       DEFINED                  2500      200     6200
AVERY DENNISON CORPORATION     COM              053611109     1095    23500 SH       SOLE                    21575              1925
AVERY DENNISON CORPORATION     COM              053611109       44      950 SH       DEFINED                   825      125
AVOCA INC                      COM              053843108      382    15300 SH       DEFINED                                   15300
BP AMOCO P L C                 COM              055622104     1118    20776 SH       SOLE                    19714              1062
BP AMOCO P L C                 COM              055622104      752    13986 SH       DEFINED                 12224              1762
BANK OF AMERICA CORP           COM              060505104      149     2820 SH       SOLE                     2745                75
BANK OF AMERICA CORP           COM              060505104      127     2412 SH       DEFINED                  2012               400
BANK OF NEW YORK CO INC        COM              064057102      446     7900 SH       SOLE                     7900
BANK OF NEW YORK CO INC        COM              064057102      191     3383 SH       DEFINED                  3383
BANK ONE CORP                  COM              06423A103      209     5556 SH       DEFINED                                    5556
BELLSOUTH CORPORATION          COM              079860102      612    14770 SH       SOLE                    14529               241
BELLSOUTH CORPORATION          COM              079860102      296     7158 SH       DEFINED                  6906               252
BENSON MINES INC               COM              082518101        0    14462 SH       SOLE                    14462
BERKSHIRE HATHAWAY "B"         COM              084670207      183       89 SH       SOLE                       89
BERKSHIRE HATHAWAY "B"         COM              084670207       63       31 SH       DEFINED                    31
BRISTOL MYERS SQUIBB CO        COM              110122108      794    13940 SH       SOLE                    13665               275
BRISTOL MYERS SQUIBB CO        COM              110122108      782    13728 SH       DEFINED                 10628              3100
BURLINGTON RESOURCES INC       COM              122014103      618    16550 SH       SOLE                    15475              1075
BURLINGTON RESOURCES INC       COM              122014103        9      250 SH       DEFINED                   250
CVS CORPORATION                COM              126650100     1334    28575 SH       SOLE                    26725              1850
CVS CORPORATION                COM              126650100       36      775 SH       DEFINED                   650      125
CARDINAL HEALTH INC            COM              14149Y108     1283    14100 SH       SOLE                    13400               700
CARDINAL HEALTH INC            COM              14149Y108       72      800 SH       DEFINED                   650               150
CHASE MANHATTAN (NEW)          COM              16161A108      134     2842 SH       SOLE                     2842
CHASE MANHATTAN (NEW)          COM              16161A108      105     2220 SH       DEFINED                  2220
CHEVRON CORP                   COM              166751107     1503    17340 SH       SOLE                    16515               825
CHEVRON CORP                   COM              166751107      421     4861 SH       DEFINED                  4861
CISCO SYSTEMS INC              COM              17275R102     1315    23703 SH       SOLE                    22153              1550
CISCO SYSTEMS INC              COM              17275R102      182     3280 SH       DEFINED                  2730      250      300
CITIGROUP INC COM              COM              172967101     1508    27245 SH       SOLE                    25970              1275
CITIGROUP INC COM              COM              172967101      709    12810 SH       DEFINED                 11577      233     1000
COCA COLA CO                   COM              191216100     1257    22057 SH       SOLE                    20910              1147
COCA COLA CO                   COM              191216100      178     3139 SH       DEFINED                  1839              1300
CONOCO                         COM              208251306      453    16950 SH       SOLE                    15775              1175
CONOCO                         COM              208251306       24      900 SH       DEFINED                   600      300
CONOCO INC CL B                COM              208251405      509    18264 SH       SOLE                    18014               250
CONOCO INC CL B                COM              208251405       40     1468 SH       DEFINED                  1468
WALT DISNEY CO                 COM              254687106      369     9350 SH       SOLE                     8875               475
WALT DISNEY CO                 COM              254687106      239     6075 SH       DEFINED                  5775               300
DOME IMAGING SYSTEMS INC       COM              256DOME12       15    15625 SH       SOLE                    15625
DOMINION RES INC VA NEW        COM              25746U109       27      484 SH       SOLE                      484
DOMINION RES INC VA NEW        COM              25746U109      271     4745 SH       DEFINED                  4004               741
DU PONT DE NEMOURS CO          COM              263534109     1280    30756 SH       SOLE                    30756
DU PONT DE NEMOURS CO          COM              263534109      152     3675 SH       DEFINED                  1475              2200
DUKE ENERGY CORPORATION        COM              264399106      107     1235 SH       SOLE                     1135               100
DUKE ENERGY CORPORATION        COM              264399106      138     1591 SH       DEFINED                  1591
EMC CORPORATION                COM              268648102     1035    10434 SH       SOLE                     9684               750
EMC CORPORATION                COM              268648102       52      530 SH       DEFINED                   380      150
EL PASO ENERGY CORP            COM              283905107     1331    21395 SH       SOLE                    19570              1825
EL PASO ENERGY CORP            COM              283905107      104     1675 SH       DEFINED                  1275               400
ELAN CORP PLC - SPONS ADR      COM              284131208      175     3000 SH       SOLE                     3000
ELAN CORP PLC - SPONS ADR      COM              284131208       46      800 SH       DEFINED                   800
EMERSON ELECTRIC CO            COM              291011104     1181    17582 SH       SOLE                    15907              1675
EMERSON ELECTRIC CO            COM              291011104      294     4387 SH       DEFINED                  2187              2200
ENRON CORP                     COM              293561106     1341    15517 SH       SOLE                    14842               675
ENRON CORP                     COM              293561106      237     2750 SH       DEFINED                  2250      200      300
EXXON MOBIL CORP COM           COM              30231G102     3264    35705 SH       SOLE                    34386              1319
EXXON MOBIL CORP COM           COM              30231G102     1483    16220 SH       DEFINED                 10938              5282
FNMA COMMON STOCK              COM              313586109      207     2817 SH       SOLE                     2200               617
FNMA COMMON STOCK              COM              313586109       94     1285 SH       DEFINED                  1225                60
GANNETT COMPANY INC            COM              364730101      740    14151 SH       SOLE                    13338               813
GANNETT COMPANY INC            COM              364730101      196     3750 SH       DEFINED                  3350               400
GENERAL DYNAMICS CORP          COM              369550108     1210    19295 SH       SOLE                    18270              1025
GENERAL DYNAMICS CORP          COM              369550108      116     1850 SH       DEFINED                  1750               100
GENERAL ELECTRIC CO            COM              369604103     4370    74701 SH       SOLE                    69076              5625
GENERAL ELECTRIC CO            COM              369604103     3080    52665 SH       DEFINED                 45000      225     7440
GENERAL MILLS INC              COM              370334104      114     3210 SH       SOLE                     3210
GENERAL MILLS INC              COM              370334104      108     3050 SH       DEFINED                  1450              1600
GILLETTE CO                    COM              375766102      857    27600 SH       SOLE                    26325              1275
GILLETTE CO                    COM              375766102      153     4935 SH       DEFINED                  1175              3760
HALLIBURTON CO                 COM              406216101      200     3975 SH       SOLE                     3925                50
HEWLETT-PACKARD CO             COM              428236103      178     1903 SH       SOLE                     1653               250
HEWLETT-PACKARD CO             COM              428236103      247     2635 SH       DEFINED                  2235               400
HOME DEPOT INC                 COM              437076102      590    11238 SH       SOLE                    10113              1125
HOME DEPOT INC                 COM              437076102      185     3533 SH       DEFINED                  2145      188     1200
HONEYWELL INTL INC             COM              438516106      200     5560 SH       SOLE                     5400               160
HONEYWELL INTL INC             COM              438516106       40     1125 SH       DEFINED                  1125
HOUSEHOLD INTERNATIONAL INC    COM              441815107      214     3879 SH       DEFINED                  3879
ILLINOIS TOOL WORKS INC        COM              452308109      223     4050 SH       SOLE                     3700               350
ILLINOIS TOOL WORKS INC        COM              452308109      191     3475 SH       DEFINED                  1700       75     1700
INNSUITES HOSPITALITY TRUST    COM              457919108       72    33307 SH       SOLE                    33307
INTEL CORP                     COM              458140100     1796    44769 SH       SOLE                    41619              3150
INTEL CORP                     COM              458140100     1313    32725 SH       DEFINED                 27715      250     4760
INTERNATIONAL BUSINESS MACHINE COM              459200101     1781    15120 SH       SOLE                    14570               550
INTERNATIONAL BUSINESS MACHINE COM              459200101     1113     9454 SH       DEFINED                  6879       75     2500
JOHNSON & JOHNSON              COM              478160104     1424    15288 SH       SOLE                    14538               750
JOHNSON & JOHNSON              COM              478160104      375     4028 SH       DEFINED                  2258      100     1670
LUCENT TECHNOLOGIES INC        COM              549463107      405    13094 SH       SOLE                    12694               400
LUCENT TECHNOLOGIES INC        COM              549463107      699    22553 SH       DEFINED                 11040      125    11388
MARRIOTT INTERNATIONAL CL A (N COM              571903202      525    14775 SH       SOLE                    13925               850
MARRIOTT INTERNATIONAL CL A (N COM              571903202       40     1150 SH       DEFINED                  1150
MERCK & CO INC                 COM              589331107     2422    32741 SH       SOLE                    30982              1759
MERCK & CO INC                 COM              589331107      939    12693 SH       DEFINED                  7193      100     5400
MICROSOFT CORP                 COM              594918104     1185    20049 SH       SOLE                    18799              1250
MICROSOFT CORP                 COM              594918104      749    12675 SH       DEFINED                 12675
MINNESOTA MINING & MANUFACTURI COM              604059105      140     1530 SH       SOLE                     1530
MINNESOTA MINING & MANUFACTURI COM              604059105      354     3865 SH       DEFINED                  2765              1100
J P MORGAN & CO INC            COM              616880100      362     2151 SH       SOLE                     2018               133
J P MORGAN & CO INC            COM              616880100      379     2250 SH       DEFINED                   800              1450
ORACLE CORPORATION             COM              68389X105      784     9956 SH       SOLE                     9256               700
ORACLE CORPORATION             COM              68389X105        3       50 SH       DEFINED                    50
PEPSICO INC                    COM              713448108     1400    29563 SH       SOLE                    27888              1675
PEPSICO INC                    COM              713448108      364     7689 SH       DEFINED                  5689              2000
PFIZER INC                     COM              717081103      544    12297 SH       SOLE                     9972              2325
PFIZER INC                     COM              717081103      502    11362 SH       DEFINED                  7418      344     3600
PHARMACIA CORP                 COM              71713U102       20      357 SH       SOLE                      357
PHARMACIA CORP                 COM              71713U102      303     5280 SH       DEFINED                  5280
PROCTER & GAMBLE CO            COM              742718109      456     6701 SH       SOLE                     6401               300
PROCTER & GAMBLE CO            COM              742718109      384     5642 SH       DEFINED                  3567       75     2000
QWEST COMMUNICATIONS INTL      COM              749121109      156     3358 SH       SOLE                     2898               460
QWEST COMMUNICATIONS INTL      COM              749121109      198     4245 SH       DEFINED                  4147                98
ROYAL DUTCH PETROLEUM - NY SHA COM              780257804       97     1593 SH       SOLE                     1493               100
ROYAL DUTCH PETROLEUM - NY SHA COM              780257804      295     4828 SH       DEFINED                  3228              1600
SBC COMMUNICATIONS INC         COM              78387G103      507    10143 SH       SOLE                    10143
SBC COMMUNICATIONS INC         COM              78387G103      673    13444 SH       DEFINED                 12312              1132
SARA LEE CORP                  COM              803111103      223    11230 SH       SOLE                     9480              1750
SARA LEE CORP                  COM              803111103       60     3025 SH       DEFINED                  2025              1000
SCHERING-PLOUGH CORP           COM              806605101      691    15107 SH       SOLE                    14332               775
SCHERING-PLOUGH CORP           COM              806605101      414     9052 SH       DEFINED                  9052
SCHLUMBERGER LTD               COM              806857108     1148    13526 SH       SOLE                    12626               900
SCHLUMBERGER LTD               COM              806857108      625     7363 SH       DEFINED                  5138              2225
SUN MICROSYSTEMS INC           COM              866810104     2669    23511 SH       SOLE                    22411              1100
SUN MICROSYSTEMS INC           COM              866810104      253     2230 SH       DEFINED                  2130      100
SYSCO CORPORATION              COM              871829107       68     1500 SH       SOLE                     1500
SYSCO CORPORATION              COM              871829107      333     7276 SH       DEFINED                  2126              5150
TARGET CORP                    COM              87612E106      230     9222 SH       SOLE                     8472               750
TARGET CORP                    COM              87612E106       67     2700 SH       DEFINED                  2700
TYCO INTERNATIONAL LTD         COM              902124106     1664    32551 SH       SOLE                    29701              2850
TYCO INTERNATIONAL LTD         COM              902124106      627    12281 SH       DEFINED                  5281      150     6850
UNION PACIFIC CORP             COM              907818108      788    20575 SH       SOLE                    19375              1200
UNION PACIFIC CORP             COM              907818108       51     1340 SH       DEFINED                  1140               200
UNITED TECHNOLOGIES CORP       COM              913017109      110     1622 SH       SOLE                     1622
UNITED TECHNOLOGIES CORP       COM              913017109      169     2490 SH       DEFINED                  2390      100
UNUMPROVIDENT CORP COM         COM              91529Y106      815    30055 SH       SOLE                    28205              1850
UNUMPROVIDENT CORP COM         COM              91529Y106       28     1050 SH       DEFINED                   600               450
VERIZON COMMUNICATIONS         COM              92343V104     1649    34817 SH       SOLE                    33356              1461
VERIZON COMMUNICATIONS         COM              92343V104      567    11969 SH       DEFINED                  9754              2215
VIAD CORP                      COM              92552R109      594    22965 SH       SOLE                    21690              1275
VIAD CORP                      COM              92552R109        6      250 SH       DEFINED                   250
VULCAN MATERIALS CO            COM              929160109      241     6000 SH       DEFINED                  6000
WAL-MART STORES INC            COM              931142103      536    11595 SH       SOLE                    10718               877
WAL-MART STORES INC            COM              931142103       68     1480 SH       DEFINED                   505      175      800
WALGREEN                       COM              931422109      233     6300 SH       SOLE                     5800               500
WALGREEN                       COM              931422109      133     3600 SH       DEFINED                  1000              2600
WORLDCOM INC GA NEW            COM              98157D106     1156    39278 SH       SOLE                    36328              2950
WORLDCOM INC GA NEW            COM              98157D106      136     4650 SH       DEFINED                  4400      150      100
WRIGLEY WM JR CO               COM              982526105        7      100 SH       SOLE                      100
WRIGLEY WM JR CO               COM              982526105      198     2666 SH       DEFINED                                    2666
</TABLE>


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