UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 09/30/99
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: H. WENDY WETSTEIN
Address: PO BOX 460
110 THOMAS JOHNSON DRIVE
FREDERICK, MD 21702
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: RALPH A. MAZZA/KEVIN W. O'HARA
Title: PORTFOLIO MANAGER
Phone: 301-624-4240
Signature, Place, and Date of Signing:
H. WENDY WETSTEIN FREDERICK, MD OCTOBER 01, 1999
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: 206
Form 13F Information Table Entry Total: $163,836
List of Other Included Managers:
NONE
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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
- ------------------------------ ---------------- --------- -------- --- --- --- ---- ------- ------------- ------- --------- ------
AT&T CORP. COM 001957109 2542 58438 SH SOLE 58054 384
AT&T CORP. COM 001957109 200 4620 SH DEFINED 2960 1173 487
ABBOTT LABORATORIES COM 002824100 1391 37118 SH SOLE 37118
ABBOTT LABORATORIES COM 002824100 54 1450 SH DEFINED 600 850
AEGON N.V. - ARS COM 007924103 248 2930 SH SOLE 2930
ALLEGHENY ENERGY INC. COM 017361106 139 4400 SH SOLE 4400
ALLEGHENY ENERGY INC. COM 017361106 103 3275 SH DEFINED 2175 1100
THE ALLSTATE CORP. COM 020002101 255 10100 SH SOLE 9730 370
THE ALLSTATE CORP. COM 020002101 4 195 SH DEFINED 95 100
AMERICAN EXPRESS COM 025816109 213 1600 SH SOLE 1600
AMERICAN HOME PRODUCTS CORP COM 026609107 2419 58047 SH SOLE 57672 375
AMERICAN HOME PRODUCTS CORP COM 026609107 336 8075 SH DEFINED 6175 250 1650
AMERICAN INTERNATIONAL GROUP COM 026874107 3076 35928 SH SOLE 35758 170
AMERICAN INTERNATIONAL GROUP COM 026874107 372 4354 SH DEFINED 3793 62 499
AMERITECH CORPORATION COM 030954101 539 8200 SH SOLE 8200
AMERITECH CORPORATION COM 030954101 188 2868 SH DEFINED 2268 600
AMGEN INC. COM 031162100 1244 14985 SH SOLE 14985
AMGEN INC. COM 031162100 22 270 SH DEFINED 270
ATLANTIC RICHFIELD CO COM 048825103 1885 21875 SH SOLE 21525 350
ATLANTIC RICHFIELD CO COM 048825103 425 4940 SH DEFINED 4840 50 50
AUTOMATIC DATA PROCESSING COM 053015103 926 21430 SH SOLE 21400 30
AUTOMATIC DATA PROCESSING COM 053015103 46 1075 SH DEFINED 375 50 650
BP AMOCO PLC SPONSORED ADR COM 055622104 724 6762 SH SOLE 6762
BP AMOCO PLC SPONSORED ADR COM 055622104 756 7060 SH DEFINED 6760 300
BANK OF AMERICA CORP COM 060505104 2301 42335 SH SOLE 41735 600
BANK OF AMERICA CORP COM 060505104 563 10357 SH DEFINED 10082 275
BANK ONE CORPORATION COM 06423A103 841 24483 SH SOLE 24433 50
BANK ONE CORPORATION COM 06423A103 69 2008 SH DEFINED 1295 413 300
BELL ATLANTIC CORP. COM 077853109 2546 38695 SH SOLE 38180 515
BELL ATLANTIC CORP. COM 077853109 535 8139 SH DEFINED 5737 1502 900
BELL SOUTH CORPORATION COM 079860102 1435 31759 SH SOLE 31759
BELL SOUTH CORPORATION COM 079860102 356 7879 SH DEFINED 6779 1025 75
BESTFOODS COM 08658U101 756 15445 SH SOLE 15445
BESTFOODS COM 08658U101 113 2320 SH DEFINED 2170 150
BIOGEN COM 090597105 874 10760 SH SOLE 9760 1000
BIOGEN COM 090597105 39 480 SH DEFINED 380 100
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 4218 64400 SH SOLE 64275 125
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 506 7740 SH DEFINED 4990 850 1900
CIGNA CORP. COM 125509109 1025 11784 SH SOLE 11759 25
CIGNA CORP. COM 125509109 51 590 SH DEFINED 540 50
CMGI INC. COM 125750109 200 2000 SH SOLE 2000
CSX CORP. COM 126408103 712 16835 SH SOLE 16735 100
CSX CORP. COM 126408103 59 1405 SH DEFINED 730 425 250
CAPITAL ONE FINANCIAL CORP. COM 14040H105 430 10842 SH SOLE 10842
CAPITAL ONE FINANCIAL CORP. COM 14040H105 41 1050 SH DEFINED 1050
CARDINAL HEALTH INC. COM COM 14149Y108 591 11060 SH SOLE 11060
CARNIVAL CRUISE LINES, INC. CL COM 143658102 1596 38010 SH SOLE 37555 455
CARNIVAL CRUISE LINES, INC. CL COM 143658102 68 1635 SH DEFINED 1485 75 75
CHASE MANHATTAN CORP. COM 16161A108 2209 30270 SH SOLE 30055 215
CHASE MANHATTAN CORP. COM 16161A108 141 1945 SH DEFINED 1220 25 700
CHEVRON CORP. COM 166751107 1904 21600 SH SOLE 21500 100
CHEVRON CORP. COM 166751107 166 1885 SH DEFINED 1575 35 275
CISCO SYSTEMS INC. COM 17275R102 4511 67520 SH SOLE 61720 5800
CISCO SYSTEMS INC. COM 17275R102 283 4250 SH DEFINED 2790 360 1100
CITIGROUP INC. COM 172967101 3537 82860 SH SOLE 82323 537
CITIGROUP INC. COM 172967101 106 2497 SH DEFINED 1835 437 225
THE COASTAL CORPORATION COM 190441105 263 6380 SH SOLE 6285 95
THE COASTAL CORPORATION COM 190441105 15 380 SH DEFINED 380
COCA-COLA COMPANY COM 191216100 1925 39403 SH SOLE 39243 160
COCA-COLA COMPANY COM 191216100 370 7580 SH DEFINED 1905 5575 100
COLUMBIA ENERGY GROUP COM 197648108 715 12707 SH SOLE 12707
COLUMBIA ENERGY GROUP COM 197648108 12 215 SH DEFINED 120 45 50
COMPAQ COMPUTER CORP. COM 204493100 855 38135 SH SOLE 36105 2030
COMPAQ COMPUTER CORP. COM 204493100 33 1505 SH DEFINED 1355 150
COMPUTER SCIENCES CORP. COM 205363104 931 13568 SH SOLE 13468 100
COMPUTER SCIENCES CORP. COM 205363104 37 550 SH DEFINED 475 25 50
CONSTELLATION ENERGY GROUP INC COM 210371100 181 6529 SH SOLE 6529
CONSTELLATION ENERGY GROUP INC COM 210371100 120 4330 SH DEFINED 3500 500 330
DAYTON HUDSON CORP. COM 239753106 1207 20685 SH SOLE 20485 200
DAYTON HUDSON CORP. COM 239753106 77 1320 SH DEFINED 1195 50 75
DELL COMPUTER COM 247025109 516 12130 SH SOLE 12130
DELL COMPUTER COM 247025109 11 275 SH DEFINED 275
DELTA AIR LINES COM 247361108 233 4925 SH SOLE 4925
DELTA AIR LINES COM 247361108 17 370 SH DEFINED 345 25
WALT DISNEY CO,. COM 254687106 2284 87235 SH SOLE 86565 670
WALT DISNEY CO,. COM 254687106 126 4830 SH DEFINED 3655 275 900
DOW CHEMICAL CO COM 260543103 2060 18715 SH SOLE 18415 300
DOW CHEMICAL CO COM 260543103 160 1460 SH DEFINED 1100 10 350
E. I. DUPONT DE NEMOURS CO. COM 263534109 1665 27529 SH SOLE 27279 250
E. I. DUPONT DE NEMOURS CO. COM 263534109 413 6840 SH DEFINED 6180 225 435
E M C CORPORATION COM 268648102 495 7050 SH SOLE 50 7000
EASTMAN KODAK CO COM 277461109 277 3766 SH SOLE 3666 100
EASTMAN KODAK CO COM 277461109 7 100 SH DEFINED 100
EMERSON ELECTRIC COM 291011104 191 3020 SH SOLE 3020
EMERSON ELECTRIC COM 291011104 50 800 SH DEFINED 800
ENERGY EAST CORP COM 29266M109 657 28430 SH SOLE 28310 120
ENERGY EAST CORP COM 29266M109 12 540 SH DEFINED 410 30 100
EQUIFAX INCORPORATED COM 294429105 1036 37035 SH SOLE 36570 465
EQUIFAX INCORPORATED COM 294429105 126 4515 SH DEFINED 2340 2100 75
EXXON CORP COM 302290101 4361 58348 SH SOLE 57848 500
EXXON CORP COM 302290101 962 12870 SH DEFINED 5885 5735 1250
F & M BANCORP COM 302367107 4021 148959 SH SOLE 148959
F & M BANCORP COM 302367107 697 25819 SH DEFINED 22819 3000
FCNB CORP. COM 302920103 256 13932 SH SOLE 13932
FEDERAL HOME LOAN MORTGAGE COR COM 313400301 965 18815 SH SOLE 18790 25
FEDERAL HOME LOAN MORTGAGE COR COM 313400301 55 1075 SH DEFINED 1025 50
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 940 15325 SH SOLE 15275 50
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 68 1115 SH DEFINED 590 125 400
FIRST UNION CORP COM 337358105 464 13165 SH SOLE 13165
FIRST UNION CORP COM 337358105 27 775 SH DEFINED 775
FORD MOTOR COMPANY COM 345370100 1646 33185 SH SOLE 33035 150
FORD MOTOR COMPANY COM 345370100 63 1280 SH DEFINED 1080 75 125
GPU INC COM 36225X100 507 15673 SH SOLE 15588 85
GPU INC COM 36225X100 14 455 SH DEFINED 390 15 50
G T E CORP. COM 362320103 1044 14020 SH SOLE 14020
G T E CORP. COM 362320103 210 2820 SH DEFINED 1350 1420 50
GATEWAY INC COM 367626108 272 6356 SH SOLE 4356 2000
GATEWAY INC COM 367626108 8 200 SH DEFINED 200
GENERAL ELECTRIC CO COM 369604103 8049 69127 SH SOLE 65437 3690
GENERAL ELECTRIC CO COM 369604103 2007 17239 SH DEFINED 8990 7099 1150
GENERAL MOTORS CORP COM 370442105 290 4650 SH SOLE 4550 100
GILLETTE CO COM 375766102 1931 57765 SH SOLE 57520 245
GILLETTE CO COM 375766102 220 6580 SH DEFINED 2060 4370 150
HALLIBURTON CO COM 406216101 558 13700 SH SOLE 13700
HALLIBURTON CO COM 406216101 12 315 SH DEFINED 215 25 75
H.J. HEINZ CO. COM 423074103 517 12113 SH SOLE 12113
H.J. HEINZ CO. COM 423074103 12 300 SH DEFINED 300
HEWLETT-PACKARD CO COM 428236103 2385 26728 SH SOLE 26678 50
HEWLETT-PACKARD CO COM 428236103 327 3675 SH DEFINED 2950 725
THE HOME DEPOT, INC. COM 437076102 1119 16715 SH SOLE 16715
THE HOME DEPOT, INC. COM 437076102 115 1725 SH DEFINED 675 25 1025
INTEL CORPORATION COM 458140100 6624 88105 SH SOLE 81580 6525
INTEL CORPORATION COM 458140100 706 9390 SH DEFINED 7295 1645 450
INTERNATIONAL BUSINESS MACHINE COM 459200101 393 3280 SH SOLE 3280
INTERNATIONAL BUSINESS MACHINE COM 459200101 26 220 SH DEFINED 20 200
INTERNATIONAL PAPER CO. COM 460146103 921 19410 SH SOLE 19400 10
INTERNATIONAL PAPER CO. COM 460146103 27 575 SH DEFINED 500 25 50
JOHNSON & JOHNSON COM 478160104 3269 35655 SH SOLE 34145 1510
JOHNSON & JOHNSON COM 478160104 431 4705 SH DEFINED 4080 175 450
JOHNSON CTLS INC COM 478366107 1512 22915 SH SOLE 22915
JOHNSON CTLS INC COM 478366107 47 720 SH DEFINED 585 35 100
ELI LILLY & CO. COM 532457108 947 14975 SH SOLE 10475 4500
ELI LILLY & CO. COM 532457108 17 280 SH DEFINED 280
LOCKHEED MARTIN CORPORATION COM 539830109 300 9300 SH SOLE 9300
LOCKHEED MARTIN CORPORATION COM 539830109 9 285 SH DEFINED 185 75 25
LUCENT TECHNOLOGIES COM 549463107 3173 50317 SH SOLE 49947 370
LUCENT TECHNOLOGIES COM 549463107 398 6319 SH DEFINED 4008 1861 450
MBNA CORPORATION COM 55262L100 2258 98739 SH SOLE 96704 2035
MBNA CORPORATION COM 55262L100 184 8083 SH DEFINED 7421 362 300
MCI WORLDCOM INC COM 55268B106 1013 13957 SH SOLE 10457 3500
MCI WORLDCOM INC COM 55268B106 57 787 SH DEFINED 240 547
MARRIOTT INTERNATIONAL INC. CL COM 571903202 697 21424 SH SOLE 21324 100
MARRIOTT INTERNATIONAL INC. CL COM 571903202 70 2175 SH DEFINED 175 1600 400
MEDIAONE GROUP INC COM COM 58440J104 107 1600 SH SOLE 1600
MEDIAONE GROUP INC COM COM 58440J104 156 2324 SH DEFINED 1324 800 200
MELLON BANCORP COM 585509102 162 5000 SH SOLE 5000
MELLON BANCORP COM 585509102 42 1296 SH DEFINED 1296
MERCANTILE BANKSHARES CORP COM 587405101 600 19137 SH SOLE 19137
MERCK & CO.,INC. COM 589331107 2912 45290 SH SOLE 45215 75
MERCK & CO.,INC. COM 589331107 201 3130 SH DEFINED 2980 150
MICROSOFT CORP. COM 594918104 6608 73837 SH SOLE 70717 3120
MICROSOFT CORP. COM 594918104 590 6595 SH DEFINED 5395 1200
MINNESOTA MINING AND MFG CO COM 604059105 165 1760 SH SOLE 1760
MINNESOTA MINING AND MFG CO COM 604059105 272 2900 SH DEFINED 1600 500 800
MOBIL CORP. COM 607059102 1928 19681 SH SOLE 19181 500
MOBIL CORP. COM 607059102 122 1250 SH DEFINED 1150 50 50
MORGAN STANLEY DEAN WITTER DIS COM 617446448 537 6152 SH SOLE 6152
NORFOLK SOUTHERN CORP. COM 655844108 351 14300 SH SOLE 14300
PEPSICO INC COM 713448108 648 20925 SH SOLE 20625 300
PEPSICO INC COM 713448108 134 4350 SH DEFINED 2750 1600
PFIZER INC COM 717081103 1289 37782 SH SOLE 37032 750
PFIZER INC COM 717081103 56 1650 SH DEFINED 1350 300
PHILIP MORRIS COMPANIES, INC. COM 718154107 1041 30255 SH SOLE 29755 500
PHILIP MORRIS COMPANIES, INC. COM 718154107 81 2370 SH DEFINED 2195 50 125
PROCTOR AND GAMBLE CO COM 742718109 2323 24250 SH SOLE 24075 175
PROCTOR AND GAMBLE CO COM 742718109 130 1360 SH DEFINED 1235 25 100
PROVIDIAN FINANCIAL CORP. COM 74406A102 276 3412 SH SOLE 3412
RELIANT ENERGY INC COM 75952J108 803 30165 SH SOLE 30115 50
RELIANT ENERGY INC COM 75952J108 14 555 SH DEFINED 405 75 75
ROYAL DUTCH PETROLEUM COMPANY COM 780257804 518 8835 SH SOLE 8835
ROYAL DUTCH PETROLEUM COMPANY COM 780257804 48 825 SH DEFINED 700 125
SBC COMMUNICATIONS INC. COM 78387G103 577 11546 SH SOLE 11546
SBC COMMUNICATIONS INC. COM 78387G103 225 4506 SH DEFINED 4506
SARA LEE CORP. COM 803111103 670 28233 SH SOLE 28033 200
SARA LEE CORP. COM 803111103 51 2150 SH DEFINED 550 75 1525
SPRINT CORPORATION COM 852061100 1529 27555 SH SOLE 27505 50
SPRINT CORPORATION COM 852061100 166 2995 SH DEFINED 2400 45 550
SPRINT CORP SERIES I PCS COM 852061506 173 2251 SH SOLE 2251
SPRINT CORP SERIES I PCS COM 852061506 53 694 SH DEFINED 557 137
STAPLES INC. COM 855030102 457 21483 SH SOLE 21483
STAPLES INC. COM 855030102 12 564 SH DEFINED 414 150
SUN MICROSYSTEMS COM 866810104 5852 63916 SH SOLE 61781 2135
SUN MICROSYSTEMS COM 866810104 305 3335 SH DEFINED 2585 150 600
SUNTRUST BANK INC. COM 867914103 513 7864 SH SOLE 7864
SUNTRUST BANK INC. COM 867914103 9 150 SH DEFINED 150
TJX COMPANIES COM 872540109 510 18155 SH SOLE 17905 250
TJX COMPANIES COM 872540109 33 1175 SH DEFINED 875 300
TEXACO INC. COM 881694103 630 10120 SH SOLE 9920 200
TEXACO INC. COM 881694103 115 1850 SH DEFINED 1250 600
TYCO INTERNATIONAL LTD COM 902124106 398 3980 SH SOLE 3980
UNILEVER NV NY SHARE F NEW COM 904784709 165 2407 SH SOLE 1693 714
UNILEVER NV NY SHARE F NEW COM 904784709 49 713 SH DEFINED 535 178
U S WEST INC (NEW) COMMON COM 91273H101 500 9107 SH SOLE 9107
U S WEST INC (NEW) COMMON COM 91273H101 107 1954 SH DEFINED 1428 321 205
UNITED TECHNOLOGIES, INC. COM 913017109 360 6237 SH SOLE 6237
UNITED TECHNOLOGIES, INC. COM 913017109 32 560 SH DEFINED 560
UNIVERSAL CORPORATION COM 913456109 303 11600 SH SOLE 11600
VODAFONE GROUP PLC ADR COM 92857T107 476 2035 SH SOLE 2035
VODAFONE GROUP PLC ADR COM 92857T107 54 234 SH DEFINED 100 134
WAL-MART STORES COM 931142103 653 14320 SH SOLE 12820 1500
WAL-MART STORES COM 931142103 2 50 SH DEFINED 50
WARNER LAMBERT CO COM 934488107 366 5860 SH SOLE 5860
WARNER LAMBERT CO COM 934488107 512 8188 SH DEFINED 8188
WELLS FARGO & COMPANY NEW COM 949746101 332 8635 SH SOLE 8635
WELLS FARGO & COMPANY NEW COM 949746101 8 225 SH DEFINED 125 100
YAHOO COM 984332106 358 2000 SH SOLE 2000
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