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Previous: NATIONAL TECHNICAL SYSTEMS INC /CA/, 10-K405, 1999-04-28 |
Next: SALOMON SMITH BARNEY HOLDINGS INC, 424B2, 1999-04-28 |
<PAGE>
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OMB APPROVAL
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OMB Number: 3235-0006
Expires: February 28, 1994
Estimated average burden
hours per form........24.60
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
INFORMATION REQUIRED OF INSTITUTIONAL INVESTMENT MANAGERS PURSUANT
TO SECTION 13(f) OF THE SECURITIES EXCHANGE ACT OF 1934 AND RULES THEREUNDER
Report for the Calendar Year or Quarter Ended March 31, 1999.
- --------------------------------------------------------------------------------
(Please read instructions before preparing form.)
- --------------------------------------------------------------------------------
If amended report check here: [_]
Chittenden Corporation
- --------------------------------------------------------------------------------
Name of Institutional Investment Manager
Two Burlington Square Burlington VT 05401
- --------------------------------------------------------------------------------
Business Address (Street) (City) (State) (Zip)
Jerry R. Condon Chief Investment Officer
- --------------------------------------------------------------------------------
Name, Phone No., and Title of Person Duly Authorized to Submit This Report.
- -----------------------------------ATTENTION------------------------------------
Intentional misstatements or omissions of facts constitute
Federal Criminal Violations.
See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
- --------------------------------------------------------------------------------
The institutional investment manager submitting this Form and its
attachments and the person by whom it is signed represent hereby that all
information contained therein is true, correct and complete. It is understood
that all required items, statements and schedules are considered integral parts
of this Form and that the submission of any amendment represents that all
unamended items, statements and schedules remain true, correct and complete as
previously submitted.
Pursuant to the requirements of Securities Exchange Act of 1934, the
undersigned institutional investment manager has caused this report to be signed
on its behalf in the City of Burlington and State of Vermont on the 5th day of
---------- -------
April, 1999.
- ----- ----
Jerry R. Condon
------------------------------------------------
(Name of Institutional Investment Manager)
/s/ Jerry R. Condon
------------------------------------------------
(Manual Signature of Person Duly Authorized
to Submit This Report)
Name and 13F file numbers of ALL Institutional Investment Managers with respect
to which this schedule is filled (other than the one filing this report): (List
in alphabetical order).
13F File Numbers will be assigned to Institutional Investment Managers after
they file their first report.
Name: 13F File No.: Name: 13F File No.:
- ------------------------ ------------- ------------------------ -------------
1. Bank of Western 6.
Massachusetts
- ------------------------ ------------- ------------------------ -------------
2. Chittenden Trust 7.
Company
- ------------------------ ------------- ------------------------ -------------
3. Flagship Bank and 8.
Trust Company
- ------------------------ ------------- ------------------------ -------------
4. 9.
- ------------------------ ------------- ------------------------ -------------
5. 10.
- ------------------------ ------------- ------------------------ -------------
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 1
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AGL RESOURCES INC COMMON STOCK 001204106 172991 9850 XX 9700 150
001204106 22831 1300 XX 1300
001204106 3513 200 XX XX 200
A T & T CORP COMMON STOCK 001957109 1231028 15424 XX 14574 850
001957109 294827 3694 XX 3694
ABBOTT LABS COMMON STOCK 002824100 906103 19356 XX 19356
002824100 314299 6714 XX 6714
AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 207418 6056 XX 1800 4256
009158106 10275 300 XX 300
AIRTOUCH COMMUNICATIONS COMMON STOCK 00949T100 475492 4921 XX 4521 400
00949T100 138367 1432 XX 1432
ALLIED-SIGNAL INC COMMON STOCK 019512102 227738 4630 XX 4630
019512102 225082 4576 XX 4576
AMERICA ONLINE COMMON STOCK 02364J104 1328145 9035 XX 8870 165
02364J104 114660 780 XX 740 40
02364J104 5880 40 XX XX 40
COLUMN TOTALS 5678649
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 2
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN ELECTRIC POWER INC COMMON STOCK 025537101 172085 4336 XX 4336
025537101 54173 1365 XX 1365
AMERICAN EXPRESS CO COMMON STOCK 025816109 337589 2867 XX 2867
025816109 17663 150 XX 150
AMERICAN HOME PRODUCTS CORP COMMON STOCK 026609107 4418078 67710 XX 63710 4000
026609107 1518237 23268 XX 23268
AMERN INTL GROUP INC COMMON STOCK 026874107 8933608 74061 XX 72282 1779
026874107 1628317 13499 XX 13464 35
026874107 20748 172 XX XX 172
AMERITECH CORP COMMON STOCK 030954101 1679250 29141 XX 27403 1738
030954101 412537 7159 XX 7159
030954101 40107 696 XX XX 696
AMGEN INC COMMON STOCK 031162100 969631 12950 XX 12950
031162100 224625 3000 XX 3000
ANALOG DEVICES INC COMMON STOCK 032654105 285719 9604 XX 9604
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 192553 13110 XX 13110
COLUMN TOTALS 20904920
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 3
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
039483102 100081 6814 XX 6814
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 2035035 45223 XX 44598 625
046008108 335250 7450 XX 6934 516
046008108 12600 280 XX XX 280
ATLANTIC RICHFIELD CO COMMON STOCK 048825103 592239 8099 XX 6799 1300
048825103 201606 2757 XX 2757
048825103 16380 224 XX XX 224
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 2700877 65278 XX 64518 760
053015103 606144 14650 XX 13985 665
053015103 27308 660 XX XX 260 400
BP AMOCO PLC SPONSORED ADR COMMON STOCK 055622104 1534493 15193 XX 14863 330
055622104 363499 3599 XX 3599
BANK ONE CORP COMMON STOCK 06423A103 2052234 37271 XX 36643 628
06423A103 248002 4504 XX 4459 45
06423A103 13876 252 XX XX 125 127
BANKBOSTON CORP COMMON STOCK 06605R106 400684 9251 XX 9251
COLUMN TOTALS 11240308
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 4
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
06605R106 43313 1000 XX 1000
BANKERS TRUST CORPORATION COMMON STOCK 066365107 79160 897 XX 897
066365107 139612 1582 XX 1582
BANKNORTH GROUP INC COMMON STOCK 06646L100 262979 9309 XX 8731 578
06646L100 85202 3016 XX 3016
BAXTER INTERNATIONAL INC COMMON STOCK 071813109 162096 2456 XX 2456
071813109 42900 650 XX 650
BELL ATLANTIC CORP COMMON STOCK 077853109 1495578 28935 XX 26573 2362
077853109 266811 5162 XX 5162
077853109 78462 1518 XX XX 1518
BELLSOUTH CORP COMMON STOCK 079860102 3267938 81571 XX 77071 4500
079860102 684268 17080 XX 17080
079860102 41825 1044 XX XX 1044
BERKSHIRE HATHAWAY COMMON STOCK 084670108 285600 4 XX 4
BERKSHIRE HATHAWAY CLASS B 084670207 272716 116 XX 116
084670207 105795 45 XX 45
COLUMN TOTALS 7314255
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 5
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BESTFOODS COMMON STOCK 08658U101 1618774 34442 XX 32832 1610
08658U101 437805 9315 XX 9275 40
08658U101 6580 140 XX XX 140
BOEING CO COMMON STOCK 097023105 13600 400 XX 200 200
097023105 700264 20596 XX 5468 15128
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 5187905 80903 XX 79473 1430
110122108 2022438 31539 XX 29499 2040
110122108 10581 165 XX XX 165
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 2139472 65079 XX 63394 1685
12189T104 562360 17106 XX 12551 4555
12189T104 7890 240 XX XX 240
CSX CORP COMMON STOCK 126408103 182228 4680 XX 4680
126408103 241413 6200 XX 1200 5000
CAMPBELL SOUP CO COMMON STOCK 134429109 301088 7400 XX 7400
CARDINAL HEALTH INC 14149Y108 344982 5227 XX 5172 55
14149Y108 11220 170 XX 120 50
COLUMN TOTALS 13788600
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 6
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
14149Y108 2640 40 XX XX 40
CARNIVAL CORP COMMON STOCK 143658102 1581244 32561 XX 32056 505
143658102 170454 3510 XX 3455 55
143658102 6799 140 XX XX 140
CATERPILLAR INC COMMON STOCK 149123101 269561 5868 XX 5868
CENTRAL & SOUTH WEST CORP COMMON STOCK 152357109 155859 6650 XX 6650
152357109 118313 5048 XX 5048
CHAMPLAIN BANK CORP COM COMMON STOCK 15871P108 207000 690 XX 690
CHASE MANHATTAN CORP COMMON STOCK 16161A108 66646 819 XX 819
16161A108 140046 1721 XX 1721
CHEMFAB CORP 16361L102 165330 10020 XX 20 10000
CHEVRON CORP COMMON STOCK 166751107 2744150 30920 XX 30805 115
166751107 366893 4134 XX 4109 25
166751107 8875 100 XX XX 100
CHITTENDEN CORP COMMON STOCK 170228100 4981115 186646 XX 1865 184781
170228100 1763990 66098 XX 66098
COLUMN TOTALS 12748915
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 7
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
170228100 42887 1607 XX XX 1607
CISCO SYSTEMS INC COMMON STOCK 17275R102 3921680 35794 XX 34898 896
17275R102 762993 6964 XX 6699 265
17275R102 17530 160 XX XX 160
CITIGROUP INC COMMON STOCK 172967101 680269 10650 XX 10400 250
172967101 115231 1804 XX 1429 375
172967101 46182 723 XX XX 723
COBBLE HILL HOLDINGS, INC CL B 19088P208 49464 75455 XX 75455
COCA COLA CO COMMON STOCK 191216100 4253901 69310 XX 68985 325
191216100 1762383 28715 XX 28715
COLGATE PALMOLIVE CO COMMON STOCK 194162103 466716 5073 XX 2247 2826
CUROCO CORPORATION (SUBCHAPTER 231293101 25500 10000 XX 10000
S CORPORATION)
DPL INC COMMON STOCK 233293109 217239 13166 XX 13166
233293109 19503 1182 XX 1182
DANAHER CORP COMMON STOCK 235851102 1976409 37826 XX 37151 675
235851102 504735 9660 XX 9620 40
COLUMN TOTALS 14862622
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 8
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
235851102 10973 210 XX XX 210
DAYTON HUDSON CORP COMMON STOCK 239753106 429731 6450 XX 6450
239753106 109931 1650 XX 1650
DISNEY, WALT COMMON STOCK 254687106 2406461 77316 XX 75996 1320
254687106 498623 16020 XX 15970 50
254687106 16185 520 XX XX 220 300
DOMINION RESOURCES INC, VA COMMON STOCK 257470104 169248 4582 XX 4582
257470104 54483 1475 XX 1475
DOW CHEMICAL CO COMMON STOCK 260543103 209672 2250 XX 2250
260543103 170440 1829 XX 1829
DUPONT E I DE NEMOURS & CO COMMON STOCK 263534109 3247029 55923 XX 55368 555
263534109 844809 14550 XX 14515 35
263534109 8419 145 XX XX 145
DUKE ENERGY CORP COMMON STOCK 264399106 1079149 19688 XX 19338 350
264399106 151940 2772 XX 2742 30
264399106 4385 80 XX XX 80
COLUMN TOTALS 9411478
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 9
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
EMC CORP COMMON STOCK 268648102 1039885 8140 XX 6795 1345
268648102 63875 500 XX 480 20
268648102 3833 30 XX XX 30
EASTMAN KODAK CO COMMON STOCK 277461109 356870 5587 XX 5487 100
277461109 384655 6022 XX 6022
EMERSON ELECTRIC CO COMMON STOCK 291011104 681835 12880 XX 12280 600
291011104 391367 7393 XX 7393
ENRON CORP COMMON STOCK 293561106 2852572 44398 XX 43883 515
293561106 721335 11227 XX 10777 450
293561106 12208 190 XX XX 190
EXXON CORP COMMON STOCK 302290101 10742294 152238 XX 146408 5830
302290101 2111371 29922 XX 29922
302290101 239913 3400 XX XX 3400
FANNIE MAE COMMON STOCK 313586109 2776925 40100 XX 39465 635
313586109 380875 5500 XX 5460 40
313586109 13158 190 XX XX 190
COLUMN TOTALS 22772971
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 10
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
FIRST UNION CORP COMMON STOCK 337358105 285036 5334 XX 5334
FLEET FINANCIAL GROUP INC COMMON STOCK 338915101 621866 16528 XX 16074 454
FORTUNE BRANDS INC COMMON STOCK 349631101 215677 5602 XX 5602
349631101 46046 1196 XX 1196
GTE CORP COMMON STOCK 362320103 3585896 59271 XX 57781 1490
362320103 882393 14585 XX 14155 430
362320103 50457 834 XX XX 834
GANNETT INC COMMON STOCK 364730101 2885400 45800 XX 5300 40500
364730101 252000 4000 XX 4000
GENERAL ELECTRIC COMMON STOCK 369604103 23418759 211695 XX 208865 2830
369604103 3773972 34115 XX 33785 330
369604103 284306 2570 XX XX 2170 400
GENERAL MILLS INC COMMON STOCK 370334104 148480 1965 XX 1965
370334104 105788 1400 XX 1400
GENERAL MOTORS CORP COMMON STOCK 370442105 939600 10800 XX 10800
370442105 224982 2586 XX 2586
COLUMN TOTALS 37720658
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 11
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
GEORGIA-PACIFIC GROUP 373298108 250520 3374 XX 3374
373298108 17523 236 XX 236
GILLETTE CO COMMON STOCK 375766102 3353880 56427 XX 50898 5529
375766102 1001462 16849 XX 16804 45
375766102 17831 300 XX XX 210 90
HALLIBURTON CO COMMON STOCK 406216101 1535188 39875 XX 38800 1075
406216101 250635 6510 XX 6450 60
406216101 8470 220 XX XX 220
HARLEY-DAVIDSON INC COMMON STOCK 412822108 2034460 35459 XX 35019 440
412822108 441501 7695 XX 7660 35
412822108 5451 95 XX XX 95
HEALTH MGMT ASSOC INC NEW CL A 421933102 1010539 82916 XX 81591 1325
421933102 127944 10498 XX 10308 190
421933102 6703 550 XX XX 550
HEINZ H.J. CO COMMON STOCK 423074103 426707 9007 XX 9007
423074103 102425 2162 XX 2162
COLUMN TOTALS 10591239
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 12
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
HERSHEY FOODS CORP COMMON STOCK 427866108 336375 6000 XX 6000
427866108 538200 9600 XX 9600
427866108 22425 400 XX XX 400
HEWLETT PACKARD CO COMMON STOCK 428236103 2550835 37616 XX 36446 1170
428236103 712167 10502 XX 10272 230
428236103 7459 110 XX XX 110
HOME DEPOT INC COMMON STOCK 437076102 2700592 43383 XX 41629 1754
437076102 466004 7486 XX 7446 40
437076102 13384 215 XX XX 215
ILLINOIS TOOL WORKS COMMON STOCK 452308109 184635 2984 XX 2584 400
452308109 55688 900 XX 900
INTEL CORP COMMON STOCK 458140100 4991086 41986 XX 39876 2110
458140100 1201826 10110 XX 9675 435
458140100 16643 140 XX XX 140
INTERNATIONAL BUSINESS MACHINES COMMON STOCK 459200101 5564587 31394 XX 31194 200
459200101 1415519 7986 XX 7986
COLUMN TOTALS 20777425
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 13
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
459200101 248150 1400 XX XX 1400
JOHNSON & JOHNSON INC COMMON STOCK 478160104 11088352 118592 XX 118037 555
478160104 2910749 31131 XX 31096 35
478160104 31790 340 XX XX 140 200
KIMBERLY CLARK CORP COMMON STOCK 494368103 217732 4542 XX 4372 170
494368103 47938 1000 XX 1000
KNIGHT RIDDER INC 499040103 205000 4100 XX 4100
LILLY ELI & CO COMMON STOCK 532457108 1133081 13350 XX 13100 250
532457108 144288 1700 XX 1680 20
532457108 4668 55 XX XX 55
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 4177116 38677 XX 36127 2550
549463107 709452 6569 XX 6394 175
549463107 57780 535 XX XX 535
MBIA INC COMMON STOCK 55262C100 2278414 39283 XX 38143 1140
55262C100 529540 9130 XX 8685 445
55262C100 7250 125 XX XX 125
COLUMN TOTALS 23791300
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 14
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
MCI WORLDCOM INC COMMON STOCK 55268B106 3815981 43088 XX 42168 920
55268B106 919102 10378 XX 10338 40
55268B106 17270 195 XX XX 195
MARRIOTT INTERNATIONAL CL A 571903202 255886 7610 XX 7610
571903202 10088 300 XX 300
MATTEL INC COMMON STOCK 577081102 929146 37259 XX 36844 415
577081102 91521 3670 XX 3595 75
577081102 4863 195 XX XX 195
MCDONALDS CORP COMMON STOCK 580135101 964703 21290 XX 21290
MEDIAONE GROUP INC COMMON STOCK 58440J104 180099 2839 XX 2839
58440J104 77901 1228 XX 1228
MEDTRONIC INC COMMON STOCK 585055106 2284691 31787 XX 30232 1555
585055106 463666 6451 XX 6406 45
585055106 11500 160 XX XX 160
MERCHANTS BANCSHARES INC COMMON STOCK 588448100 104430 4720 XX 4720
588448100 338734 15310 XX 15310
COLUMN TOTALS 10469581
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 15
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
MERCK & CO INC COMMON STOCK 589331107 4201114 52432 XX 47432 5000
589331107 2179881 27206 XX 25806 1400
MERRILL LYNCH & CO., INC. COMMON STOCK 590188108 2082494 23531 XX 23156 375
590188108 245145 2770 XX 2740 30
590188108 14603 165 XX XX 165
MICROSOFT CORP COMMON STOCK 594918104 6514483 72686 XX 67126 5560
594918104 1540833 17192 XX 16342 850
594918104 21510 240 XX XX 240
MINNESOTA MINING & MFG CO COMMON STOCK 604059105 660664 9338 XX 9338
604059105 330898 4677 XX 4677
MOBIL CORP COMMON STOCK 607059102 3121976 35477 XX 35122 355
607059102 464816 5282 XX 5262 20
607059102 8800 100 XX XX 100
MORGAN, J P & CO COMMON STOCK 616880100 481533 3903 XX 3903
616880100 543344 4404 XX 4404
NATL CITY CORP COMMON STOCK 635405103 265500 4000 XX 4000
COLUMN TOTALS 22677594
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 16
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
NEW ENGLAND ELECTRIC SYSTEMS COMMON STOCK 644001109 301816 6223 XX 6223
644001109 13629 281 XX 281
NEWELL RUBBERMAID INC COMMON STOCK 651229106 2797703 58899 XX 58304 595
651229106 471913 9935 XX 9865 70
651229106 14488 305 XX XX 305
NORFOLK SOUTHERN CORP COMMON STOCK 655844108 409788 15537 XX 11673 3864
655844108 165872 6289 XX 6289
ORACLE CORPORATION COMMON STOCK 68389X105 1120964 42501 XX 41189 1312
68389X105 310988 11791 XX 11736 55
68389X105 3350 127 XX XX 127
PNC BANK CORP COMMON STOCK 693475105 296370 5334 XX 5334
PENNEY J C INC COMMON STOCK 708160106 216756 5352 XX 5352
708160106 72900 1800 XX 1800
PEPSICO INC COMMON STOCK 713448108 4556096 116264 XX 113999 2265
713448108 1847965 47157 XX 45072 2085
713448108 20378 520 XX XX 370 150
COLUMN TOTALS 12620976
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 17
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
PFIZER INC COMMON STOCK 717081103 4680593 33734 XX 33159 575
717081103 2322536 16739 XX 16714 25
717081103 12488 90 XX XX 90
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 830918 23614 XX 23514 100
718154107 351453 9988 XX 9988
PRAXAIR INC COMMON STOCK 74005P104 1444520 40056 XX 39376 680
74005P104 250274 6940 XX 6890 50
74005P104 7934 220 XX XX 220
PROCTOR & GAMBLE CO COMMON STOCK 742718109 2895522 29565 XX 29165 400
742718109 530038 5412 XX 5412
ROYAL DUTCH PETROLEUM NY REG SH 780257804 260312 5006 XX 5006
PAR N GLDR1.25
780257804 87828 1689 XX 1689
SBC COMMUNICATIONS INC COMMON STOCK 78387G103 1301007 27571 XX 25971 1600
78387G103 454321 9628 XX 9628
78387G103 48792 1034 XX XX 1034
SCHERING-PLOUGH CORP COMMON STOCK 806605101 3821532 69168 XX 68408 760
COLUMN TOTALS 19300068
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 18
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
806605101 683995 12380 XX 12335 45
806605101 8288 150 XX XX 150
SCHLUMBERGER LTD COMMON STOCK 806857108 1745197 28996 XX 28686 310
806857108 316285 5255 XX 5220 35
806857108 8426 140 XX XX 140
SEARS ROEBUCK & CO COMMON STOCK 812387108 241753 5350 XX 5350
812387108 11523 255 XX 255
SMITHKLINE BEECHAM P.L.C. ADR REPSTG 832378301 572000 8000 XX 8000
ORD A
832378301 185900 2600 XX 2600
SOLECTRON CORP COMMON STOCK 834182107 2674288 55069 XX 51964 3105
834182107 585761 12062 XX 12002 60
834182107 7770 160 XX XX 160
SPRINT CORP COMMON STOCK 852061100 49553 505 XX 505
852061100 190951 1946 XX 1946
STAPLES INC COMMON STOCK 855030102 1918322 58352 XX 57674 678
855030102 273093 8307 XX 8217 90
COLUMN TOTALS 9473105
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 19
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
855030102 7561 230 XX XX 230
STATE STREET CORP COMMON STOCK 857477103 3400380 41342 XX 40552 790
857477103 577642 7023 XX 6370 653
857477103 11926 145 XX XX 145
SUN MICROSYSTEMS INC COMMON STOCK 866810104 1042771 8338 XX 8173 165
866810104 57529 460 XX 420 40
866810104 6253 50 XX XX 50
SYSCO CORP COMMON STOCK 871829107 2533999 96304 XX 94699 1605
871829107 429288 16315 XX 16250 65
871829107 15130 575 XX XX 175 400
TEXACO INC COMMON STOCK 881694103 172407 3038 XX 2938 100
881694103 62652 1104 XX 1104
881694103 5675 100 XX XX 100
TIME WARNER INC COMMON STOCK 887315109 952428 13450 XX 13450
887315109 70813 1000 XX 1000
TYCO INTERNATIONAL LTD NEW 902124106 1960569 27325 XX 26660 665
COLUMN TOTALS 11307023
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 20
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
902124106 334355 4660 XX 4635 25
902124106 8251 115 XX XX 115
UNION BANKSHARES INC COMMON STOCK 905400107 352800 14700 XX 14700
UNION CARBIDE CORP COMMON STOCK 905581104 253050 5600 XX 5600
905581104 38409 850 XX 850
UNION PACIFIC CORP COMMON STOCK 907818108 388811 7276 XX 7276
907818108 273653 5121 XX 2721 2400
US WEST INC NEW 91273H101 233575 4242 XX 4242
91273H101 164967 2996 XX 2996
91273H101 22025 400 XX XX 400
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 2701166 19944 XX 19639 305
913017109 562743 4155 XX 4135 20
913017109 14221 105 XX XX 105
VERMONT FINANCIAL SERVICES COMMON STOCK 924180102 184840 6543 XX 6225 318
924180102 81925 2900 XX 2900
WAL-MART STORES COMMON STOCK 931142103 262734 2850 XX 2850
COLUMN TOTALS 5877525
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 CHITTENDEN BANK PAGE 21
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
931142103 130814 1419 XX 1419
WARNER LAMBERT CO COMMON STOCK 934488107 469779 7091 XX 7091
934488107 461696 6969 XX 5241 1728
934488107 369675 5580 XX XX 5580
WELLS FARGO & CO NEW 949746101 244035 6960 XX 5960 1000
949746101 199856 5700 XX 5700
WILLIAMS CO INC COMMON STOCK 969457100 272550 6900 XX 6900
969457100 158000 4000 XX 4000
XEROX CORP COMMON STOCK 984121103 36488 700 XX 700
984121103 208500 4000 XX 4000
COLUMN TOTALS 2551393
AGGREGATE TOTAL 305880605
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 BANK OF WESTERN MASS PAGE 22
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMSOUTH BANCORPORATION COMMON STOCK 032165102 273000 6000 XX 6000
CISCO SYSTEMS INC COMMON STOCK 17275R102 200171 1827 XX 1827
GENERAL ELECTRIC COMMON STOCK 369604103 284306 2570 XX 2570
JOHNSON & JOHNSON INC COMMON STOCK 478160104 228795 2447 XX 2447
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 203148 1881 XX 1881
COLUMN TOTALS 1189420
AGGREGATE TOTAL 1189420
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 FLAGSHIP BANK AND TRUST PAGE 23
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMERN INTL GROUP INC COMMON STOCK 026874107 699022 5795 XX 5795
026874107 2413 20 XX 20
ASSOCIATES FIRST CAPITAL CORP COMMON STOCK 046008108 262035 5823 XX 5823
046008108 26415 587 XX 587
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 347591 8401 XX 8401
053015103 9723 235 XX 235
BANK ONE CORP COMMON STOCK 06423A103 218873 3975 XX 3975
06423A103 1652 30 XX 30
BOWNE & CO, INC COMMON STOCK 103043105 124262 10632 XX 10632
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 266119 4150 XX 4150
110122108 1283 20 XX 20
BURLINGTON NORTHERN SANTA FE COMMON STOCK 12189T104 213030 6480 XX 6480
12189T104 6082 185 XX 185
CARNIVAL CORP COMMON STOCK 143658102 297251 6121 XX 6121
143658102 1457 30 XX 30
CHEVRON CORP COMMON STOCK 166751107 211935 2388 XX 2388
COLUMN TOTALS 2689143
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 FLAGSHIP BANK AND TRUST PAGE 24
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
166751107 1331 15 XX 15
CISCO SYSTEMS INC COMMON STOCK 17275R102 643351 5872 XX 5872
17275R102 129503 1182 XX 1182
DANAHER CORP COMMON STOCK 235851102 258847 4954 XX 4954
235851102 1306 25 XX 25
DISNEY, WALT COMMON STOCK 254687106 289494 9301 XX 9301
254687106 19609 630 XX 630
DUPONT E I DE NEMOURS & CO COMMON STOCK 263534109 277423 4778 XX 4778
263534109 4064 70 XX 70
EMC CORP COMMON STOCK 268648102 237998 1863 XX 1863
268648102 639 5 XX 5
ENRON CORP COMMON STOCK 293561106 358644 5582 XX 5582
293561106 1928 30 XX 30
EXXON CORP COMMON STOCK 302290101 351754 4985 XX 4985
302290101 21169 300 XX 300
FANNIE MAE COMMON STOCK 313586109 310309 4481 XX 4481
COLUMN TOTALS 2907369
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 FLAGSHIP BANK AND TRUST PAGE 25
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
313586109 1731 25 XX 25
GTE CORP COMMON STOCK 362320103 226996 3752 XX 3752
362320103 9983 165 XX 165
GENERAL ELECTRIC COMMON STOCK 369604103 809996 7322 XX 7322
369604103 46463 420 XX 420
GILLETTE CO COMMON STOCK 375766102 281793 4741 XX 4741
375766102 13671 230 XX 230
HALLIBURTON CO COMMON STOCK 406216101 211288 5488 XX 5488
406216101 1540 40 XX 40
HARLEY-DAVIDSON INC COMMON STOCK 412822108 202534 3530 XX 3530
412822108 6885 120 XX 120
HEALTH MGMT ASSOC INC NEW CL A 421933102 155086 12725 XX 12725
421933102 1341 110 XX 110
HEWLETT PACKARD CO COMMON STOCK 428236103 264333 3898 XX 3898
428236103 8138 120 XX 120
HOME DEPOT INC COMMON STOCK 437076102 507524 8153 XX 8153
COLUMN TOTALS 2749302
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 FLAGSHIP BANK AND TRUST PAGE 26
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
437076102 42019 675 XX 675
INTEL CORP COMMON STOCK 458140100 563824 4743 XX 4743
458140100 1783 15 XX 15
JOHNSON & JOHNSON INC COMMON STOCK 478160104 445902 4769 XX 4769
478160104 17765 190 XX 190
LILLY ELI & CO COMMON STOCK 532457108 199287 2348 XX 2348
532457108 849 10 XX 10
LUCENT TECHNOLOGIES INC COMMON STOCK 549463107 441720 4090 XX 4090
549463107 34668 321 XX 321
MBIA INC COMMON STOCK 55262C100 218138 3761 XX 3761
55262C100 1740 30 XX 30
MCI WORLDCOM INC COMMON STOCK 55268B106 606476 6848 XX 6848
55268B106 1771 20 XX 20
MEDTRONIC INC COMMON STOCK 585055106 314813 4380 XX 4380
585055106 8984 125 XX 125
MERRILL LYNCH & CO., INC. COMMON STOCK 590188108 268775 3037 XX 3037
COLUMN TOTALS 3168514
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 FLAGSHIP BANK AND TRUST PAGE 27
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
590188108 1770 20 XX 20
MICROSOFT CORP COMMON STOCK 594918104 1043952 11648 XX 11648
594918104 20614 230 XX 230
MOBIL CORP COMMON STOCK 607059102 272448 3096 XX 3096
607059102 16192 184 XX 184
NEWELL RUBBERMAID INC COMMON STOCK 651229106 277020 5832 XX 5832
651229106 1900 40 XX 40
ORACLE CORPORATION COMMON STOCK 68389X105 212767 8067 XX 8067
68389X105 5222 198 XX 198
PEPSICO INC COMMON STOCK 713448108 291046 7427 XX 7427
713448108 13520 345 XX 345
PFIZER INC COMMON STOCK 717081103 545288 3930 XX 3930
717081103 2081 15 XX 15
PHILIP MORRIS COMPANIES INC COMMON STOCK 718154107 327244 9300 XX 9300
SCHERING-PLOUGH CORP COMMON STOCK 806605101 270394 4894 XX 4894
806605101 1381 25 XX 25
COLUMN TOTALS 3302839
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
RUN 04/26/99 FLAGSHIP BANK AND TRUST PAGE 28
AT 10:53 AM FORM 13F AS OF 03/31/99
ITEM 1: ITEM 2: ITEM 3: ITEM 4: ITEM 5: ITEM 6: ITEM 7: ITEM 8:
NAME OF ISSUER TITLE OF CLASS CUSIP FAIR SHARES OR INVESTMENT MANAGERS VOTING AUTHORITY
NUMBER MARKET PRINCIPAL DISCRETION (A) (B) (C)
VALUE AMOUNT (A) (B) (C) SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
SCHLUMBERGER LTD COMMON STOCK 806857108 260612 4330 XX 4330
806857108 21668 360 XX 360
SOLECTRON CORP COMMON STOCK 834182107 294046 6055 XX 6055
834182107 728 15 XX 15
STAPLES INC COMMON STOCK 855030102 278879 8483 XX 8483
855030102 1644 50 XX 50
STATE STREET CORP COMMON STOCK 857477103 326121 3965 XX 3965
857477103 2056 25 XX 25
UNITED TECHNOLOGIES CORP COMMON STOCK 913017109 299181 2209 XX 2209
913017109 1354 10 XX 10
COLUMN TOTALS 1486289
AGGREGATE TOTAL 16303456
</TABLE>
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