LEDYARD NATIONAL BANK
13F-HR, 2000-04-05
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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: 03/31/00

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    APRIL 05, 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:      171

Form 13F Information Table Entry Total:        $77,859



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
- ------------------------------ ---------------- --------- -------- --- ---  --- ---- ------- ------------- ------- --------- ------
AES CORPORATION                COM              00130H105      572     7700 SH       SOLE                     7500               200
AES CORPORATION                COM              00130H105       18      250 SH       DEFINED                   250
A T & T CORP                   COM              001957109      742    13143 SH       SOLE                    12393               750
A T & T CORP                   COM              001957109      472     8364 SH       DEFINED                  7372               992
ABBOTT LABORATORIES            COM              002824100        4      124 SH       SOLE                      124
ABBOTT LABORATORIES            COM              002824100      245     6226 SH       DEFINED                  3326              2900
AMERICAN EXPRESS CO            COM              025816109      161     1100 SH       SOLE                     1100
AMERICAN EXPRESS CO            COM              025816109      124      850 SH       DEFINED                   600               250
AMERICAN HOME PRODUCTS CORP    COM              026609107      213     3773 SH       SOLE                     3773
AMERICAN HOME PRODUCTS CORP    COM              026609107      553     9788 SH       DEFINED                  8788              1000
AMERICAN INTERNATIONAL GROUP I COM              026874107     1151    10021 SH       SOLE                     9796               225
AMERICAN INTERNATIONAL GROUP I COM              026874107      436     3803 SH       DEFINED                  3509       94      200
AMGEN INC                      COM              031162100      231     4100 SH       SOLE                     4100
AMGEN INC                      COM              031162100      462     8200 SH       DEFINED                  4600              3600
APACHE CORP                    COM              037411105      164     3450 SH       SOLE                     3350               100
APACHE CORP                    COM              037411105       98     2050 SH       DEFINED                  1850               200
ARROW FINANCIAL CORP           COM              042744102      194    10976 SH       SOLE                    10976
ATLANTIC RICHFIELD CO          COM              048825103      152     1800 SH       SOLE                     1750                50
ATLANTIC RICHFIELD CO          COM              048825103       55      650 SH       DEFINED                   250               400
AUTOMATIC DATA PROCESSING INC  COM              053015103      306     6000 SH       SOLE                     6000
AUTOMATIC DATA PROCESSING INC  COM              053015103      535    10500 SH       DEFINED                  3300      200     7000
AVOCA INC                      COM              053843108      313    15300 SH       DEFINED                 15300
BP AMOCO P L C                 COM              055622104      745    14158 SH       SOLE                    14158
BP AMOCO P L C                 COM              055622104      473     8996 SH       DEFINED                  8996
BANK OF AMERICA CORP           COM              060505104      156     2895 SH       SOLE                     2820                75
BANK OF AMERICA CORP           COM              060505104      125     2312 SH       DEFINED                  1912               400
BANK OF NEW YORK CO INC        COM              064057102      337     8100 SH       SOLE                     8100
BANK OF NEW YORK CO INC        COM              064057102       25      600 SH       DEFINED                   600
BANK ONE CORP                  COM              06423A103       54     1511 SH       SOLE                     1511
BANK ONE CORP                  COM              06423A103      204     5731 SH       DEFINED                   175              5556
BELL ATLANTIC CORP             COM              077853109      628     9862 SH       SOLE                     9662               200
BELL ATLANTIC CORP             COM              077853109      470     7378 SH       DEFINED                  6378              1000
BELLSOUTH CORPORATION          COM              079860102      646    13232 SH       SOLE                    12991               241
BELLSOUTH CORPORATION          COM              079860102      362     7414 SH       DEFINED                  7414
BENSON MINES INC               COM              082518101        0    14462 SH       SOLE                    14462
BESTFOODS INC                  COM              08658U101      513    10775 SH       SOLE                    10600               175
BESTFOODS INC                  COM              08658U101       45      950 SH       DEFINED                   725               225
BRISTOL MYERS SQUIBB CO        COM              110122108     1046    15855 SH       SOLE                    15580               275
BRISTOL MYERS SQUIBB CO        COM              110122108      851    12894 SH       DEFINED                 11194              1700
BURLINGTON RESOURCES INC       COM              122014103      409    11375 SH       SOLE                    10850               525
BURLINGTON RESOURCES INC       COM              122014103        9      250 SH       DEFINED                   250
CVS CORPORATION                COM              126650100      855    20860 SH       SOLE                    19800              1060
CVS CORPORATION                COM              126650100       44     1075 SH       DEFINED                   750      125      200
CARDINAL HEALTH INC            COM              14149Y108      758    15475 SH       SOLE                    15025               450
CARDINAL HEALTH INC            COM              14149Y108       41      850 SH       DEFINED                   400               450
CHEVRON CORP                   COM              166751107     1121    12490 SH       SOLE                    12190               300
CHEVRON CORP                   COM              166751107      402     4486 SH       DEFINED                  4486
CISCO SYSTEMS INC              COM              17275R102     1211    16570 SH       SOLE                    15870               700
CISCO SYSTEMS INC              COM              17275R102      193     2650 SH       DEFINED                  2000      250      400
CITIGROUP INC COM              COM              172967101     1034    17539 SH       SOLE                    17014               525
CITIGROUP INC COM              COM              172967101      423     7173 SH       DEFINED                  6248      175      750
COCA COLA CO                   COM              191216100      144     2760 SH       SOLE                     2760
COCA COLA CO                   COM              191216100      227     4335 SH       DEFINED                  2485              1850
COMPUTER ASSOCIATES INTL INC   COM              204912109      879    15425 SH       SOLE                    15025               400
COMPUTER ASSOCIATES INTL INC   COM              204912109       82     1450 SH       DEFINED                   650               800
CONOCO                         COM              208251306      287    11425 SH       SOLE                    11175               250
CONOCO                         COM              208251306       57     2300 SH       DEFINED                  1000      300     1000
CONOCO INC CL B                COM              208251405      348    13539 SH       SOLE                    13439               100
CONOCO INC CL B                COM              208251405       29     1140 SH       DEFINED                   890               250
WALT DISNEY CO                 COM              254687106      365     8881 SH       SOLE                     8706               175
WALT DISNEY CO                 COM              254687106      258     6275 SH       DEFINED                  5675               600
DOME IMAGING SYSTEMS INC       COM              256DOME12       15    15625 SH       SOLE                    15625
DU PONT DE NEMOURS CO          COM              263534109     2507    43225 SH       SOLE                    43225
DU PONT DE NEMOURS CO          COM              263534109      174     3008 SH       DEFINED                  1408              1600
EL PASO ENERGY CORP            COM              283905107      686    16250 SH       SOLE                    15625               625
EL PASO ENERGY CORP            COM              283905107       73     1750 SH       DEFINED                  1300               450
EMERSON ELECTRIC CO            COM              291011104      638    11537 SH       SOLE                    10937               600
EMERSON ELECTRIC CO            COM              291011104      258     4662 SH       DEFINED                  3137              1525
ENRON CORP                     COM              293561106     1115    17050 SH       SOLE                    16550               500
ENRON CORP                     COM              293561106      178     2725 SH       DEFINED                  2525      200
EXXON MOBIL CORP COM           COM              30231G102     2431    29470 SH       SOLE                    28799               671
EXXON MOBIL CORP COM           COM              30231G102     1288    15618 SH       DEFINED                 10970              4648
FPL GROUP                      COM              302571104      491    10640 SH       SOLE                    10340               300
FPL GROUP                      COM              302571104       13      300 SH       DEFINED                   100               200
FNMA COMMON STOCK              COM              313586109      140     2400 SH       SOLE                     2300               100
FNMA COMMON STOCK              COM              313586109      114     1950 SH       DEFINED                  1800               150
FEDERATED DEPARTMENT STORES IN COM              31410H101      461    11550 SH       SOLE                    11075               475
FEDERATED DEPARTMENT STORES IN COM              31410H101        1       50 SH       DEFINED                    50
G T E CORP                     COM              362320103      633     8589 SH       SOLE                     8589
G T E CORP                     COM              362320103      207     2806 SH       DEFINED                  1956               850
GANNETT COMPANY INC            COM              364730101      557     7926 SH       SOLE                     7738               188
GANNETT COMPANY INC            COM              364730101      138     1975 SH       DEFINED                  1900                75
GENERAL DYNAMICS CORP          COM              369550108      781    15050 SH       SOLE                    14650               400
GENERAL DYNAMICS CORP          COM              369550108       41      800 SH       DEFINED                   700               100
GENERAL ELECTRIC CO            COM              369604103     3384    22052 SH       SOLE                    21852               200
GENERAL ELECTRIC CO            COM              369604103     1818    11844 SH       DEFINED                 10269       75     1500
GENERAL MILLS INC              COM              370334104      137     3710 SH       SOLE                     3710
GENERAL MILLS INC              COM              370334104      103     2800 SH       DEFINED                  1200              1600
GENERAL MOTORS CORPORATION     COM              370442105      125     1514 SH       SOLE                     1514
GENERAL MOTORS CORPORATION     COM              370442105       81      988 SH       DEFINED                   488               500
GILLETTE CO                    COM              375766102      754    19150 SH       SOLE                    18550               600
GILLETTE CO                    COM              375766102      226     5750 SH       DEFINED                  1375              4375
H J HEINZ CO                   COM              423074103      213     5825 SH       SOLE                     5775                50
H J HEINZ CO                   COM              423074103        7      200 SH       DEFINED                   200
HEWLETT-PACKARD CO             COM              428236103      134      975 SH       SOLE                      975
HEWLETT-PACKARD CO             COM              428236103      315     2285 SH       DEFINED                  2235                50
HOME DEPOT INC                 COM              437076102      657    10188 SH       SOLE                     9963               225
HOME DEPOT INC                 COM              437076102      232     3600 SH       DEFINED                  2212      188     1200
HOUSEHOLD INTERNATIONAL INC    COM              441815107      240     6300 SH       SOLE                     6300
HOUSEHOLD INTERNATIONAL INC    COM              441815107      147     3879 SH       DEFINED                  3879
ILLINOIS TOOL WORKS INC        COM              452308109      769    12825 SH       SOLE                    12375               450
ILLINOIS TOOL WORKS INC        COM              452308109      244     4075 SH       DEFINED                  2150       75     1850
INNSUITES HOSPITALITY TRUST    COM              457919108       78    36911 SH       SOLE                    36911
INTEL CORP                     COM              458140100     2712    20430 SH       SOLE                    19905               525
INTEL CORP                     COM              458140100     1821    13720 SH       DEFINED                 11295      125     2300
INTERNATIONAL BUSINESS MACHINE COM              459200101     1072     8847 SH       SOLE                     8672               175
INTERNATIONAL BUSINESS MACHINE COM              459200101      757     6249 SH       DEFINED                  4974       75     1200
JOHNSON & JOHNSON              COM              478160104      777    10163 SH       SOLE                     9913               250
JOHNSON & JOHNSON              COM              478160104      295     3858 SH       DEFINED                  1958      100     1800
LUCENT TECHNOLOGIES INC        COM              549463107      699    11420 SH       SOLE                    11420
LUCENT TECHNOLOGIES INC        COM              549463107      852    13917 SH       DEFINED                  7572      125     6220
MCI WORLDCOM INC               COM              55268B106      243     5479 SH       SOLE                     5154               325
MCI WORLDCOM INC               COM              55268B106       27      625 SH       DEFINED                   475      150
MARRIOTT INTERNATIONAL CL A (N COM              571903202      343    10425 SH       SOLE                    10050               375
MERCK & CO INC                 COM              589331107     1740    25719 SH       SOLE                    25244               475
MERCK & CO INC                 COM              589331107      736    10880 SH       DEFINED                  4730      100     6050
MICROSOFT CORP                 COM              594918104      853     9642 SH       SOLE                     9442               200
MICROSOFT CORP                 COM              594918104     1102    12450 SH       DEFINED                 12050               400
MINNESOTA MINING & MANUFACTURI COM              604059105      109     1180 SH       SOLE                     1180
MINNESOTA MINING & MANUFACTURI COM              604059105      495     5332 SH       DEFINED                  3982              1350
J P MORGAN & CO INC            COM              616880100      288     2118 SH       SOLE                     2118
J P MORGAN & CO INC            COM              616880100      306     2250 SH       DEFINED                  1000              1250
NEWELL RUBBERMAID INC          COM              651229106      354    13200 SH       SOLE                    12900               300
NEWELL RUBBERMAID INC          COM              651229106        2      100 SH       DEFINED                   100
OCCUPATIONAL HEALTH & REHABILI COM              674617980      107    53736 SH       SOLE                    53736
PEPSICO INC                    COM              713448108      968    26571 SH       SOLE                    25996               575
PEPSICO INC                    COM              713448108      272     7465 SH       DEFINED                  7465
PFIZER INC                     COM              717081103      238     5998 SH       SOLE                     5698               300
PFIZER INC                     COM              717081103      178     4500 SH       DEFINED                  4500
PHARMACIA CORP                 COM              71713U102       20      357 SH       SOLE                      357
PHARMACIA CORP                 COM              71713U102      304     5280 SH       DEFINED                  5280
PROCTER & GAMBLE CO            COM              742718109      383     6051 SH       SOLE                     5951               100
PROCTER & GAMBLE CO            COM              742718109      383     6042 SH       DEFINED                  3167       75     2800
ROYAL DUTCH PETROLEUM - NY SHA COM              780257804       83     1428 SH       SOLE                     1428
ROYAL DUTCH PETROLEUM - NY SHA COM              780257804      428     7328 SH       DEFINED                  6428               900
SBC COMMUNICATIONS INC         COM              78387G103      303     6606 SH       SOLE                     6606
SBC COMMUNICATIONS INC         COM              78387G103      595    12938 SH       DEFINED                 11307              1631
SCHERING-PLOUGH CORP           COM              806605101       25      629 SH       SOLE                      629
SCHERING-PLOUGH CORP           COM              806605101      386     9520 SH       DEFINED                  7920              1600
SCHLUMBERGER LTD               COM              806857108      892    11272 SH       SOLE                    10797               475
SCHLUMBERGER LTD               COM              806857108      402     5088 SH       DEFINED                  3788              1300
STATE STREET CORP              COM              857477103       97      949 SH       SOLE                      949
STATE STREET CORP              COM              857477103      204     2000 SH       DEFINED                  1800               200
SUN MICROSYSTEMS INC           COM              866810104     2227    24750 SH       SOLE                    24100               650
SUN MICROSYSTEMS INC           COM              866810104      189     2100 SH       DEFINED                  1800      100      200
SYSCO CORPORATION              COM              871829107      816    21275 SH       SOLE                    20725               550
SYSCO CORPORATION              COM              871829107      363     9475 SH       DEFINED                  2975              6500
TARGET CORP                    COM              87612E106      192     2550 SH       SOLE                     2300               250
TARGET CORP                    COM              87612E106       82     1100 SH       DEFINED                  1100
TYCO INTERNATIONAL LTD         COM              902124106     1383    29231 SH       SOLE                    28631               600
TYCO INTERNATIONAL LTD         COM              902124106      258     5456 SH       DEFINED                  4256      150     1050
UNION PACIFIC CORP             COM              907818108      586    15165 SH       SOLE                    14940               225
UNION PACIFIC CORP             COM              907818108       10      275 SH       DEFINED                    75               200
UNITED TECHNOLOGIES CORP       COM              913017109      514     8150 SH       SOLE                     7725               425
UNITED TECHNOLOGIES CORP       COM              913017109      150     2375 SH       DEFINED                  2225      100       50
UNUMPROVIDENT CORP COM         COM              91529Y106      712    42830 SH       SOLE                    41730              1100
UNUMPROVIDENT CORP COM         COM              91529Y106       24     1500 SH       DEFINED                  1050               450
VIAD CORP                      COM              92552R109      468    19415 SH       SOLE                    18940               475
VIAD CORP                      COM              92552R109       12      500 SH       DEFINED                   500
VULCAN MATERIALS CO            COM              929160109      277     6000 SH       DEFINED                  6000
WAL-MART STORES INC            COM              931142103      652    10868 SH       SOLE                    10243               625
WAL-MART STORES INC            COM              931142103      193     3225 SH       DEFINED                  2150      175      900
WALGREEN                       COM              931422109      136     5100 SH       SOLE                     5100
WALGREEN                       COM              931422109      123     4600 SH       DEFINED                  1000              3600
WARNER-LAMBERT CO              COM              934488107      183     1738 SH       SOLE                     1738
WARNER-LAMBERT CO              COM              934488107       40      387 SH       DEFINED                   262      125
WELLS FARGO & CO NEW           COM              949746101      237     5500 SH       SOLE                     5500
WRIGLEY WM JR CO               COM              982526105        7      100 SH       SOLE                      100
WRIGLEY WM JR CO               COM              982526105      301     3872 SH       DEFINED                  3872
XEROX CORPORATION              COM              984121103      209     8260 SH       SOLE                     8110               150
XEROX CORPORATION              COM              984121103        3      125 SH       DEFINED                   125
</TABLE>


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