13F-HR
06/30/00
230208
rz*uqv7q
NONE
1
RALPH A. MAZZA/KEVIN W. O'HARA
301-624-4240
13F-HR
Form 13F Holding Report
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 06/30/00
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: 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:
RALPH A. MAZZA FREDERICK, MD JULY 01, 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: 175
Form 13F Information Table Entry Total: $165,310
List of Other Included Managers:
NONE
<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
------------------------------ ---------------- --------- -------- --- --- --- ---- ------- ------------- ------- --------- ------
AT&T CORP. COM 001957109 1957 61882 SH SOLE 61367 515
AT&T CORP. COM 001957109 143 4528 SH DEFINED 2954 1087 487
ABBOTT LABORATORIES COM 002824100 524 11775 SH SOLE 11775
ABBOTT LABORATORIES COM 002824100 52 1175 SH DEFINED 325 850
AEGON N.V. - ARS COM 007924103 208 5860 SH SOLE 5860
AGILENT TECHNOLOGIES INC. COM 00846U101 788 10698 SH SOLE 10679 19
AGILENT TECHNOLOGIES INC. COM 00846U101 105 1433 SH DEFINED 1134 5 294
AMERICAN HOME PRODUCTS CORP COM 026609107 1189 20244 SH SOLE 19994 250
AMERICAN HOME PRODUCTS CORP COM 026609107 383 6525 SH DEFINED 4950 250 1325
AMERICAN INTERNATIONAL GROUP COM 026874107 4083 34751 SH SOLE 34396 355
AMERICAN INTERNATIONAL GROUP COM 026874107 481 4094 SH DEFINED 3614 62 418
AMGEN INC. COM 031162100 1473 20970 SH SOLE 20970
AMGEN INC. COM 031162100 20 290 SH DEFINED 290
APPLIED MATERIAL INC. COM 038222105 550 6075 SH SOLE 6075
APPLIED MATERIAL INC. COM 038222105 19 215 SH DEFINED 140 75
AUTOMATIC DATA PROCESSING COM 053015103 1324 24730 SH SOLE 24700 30
AUTOMATIC DATA PROCESSING COM 053015103 65 1225 SH DEFINED 525 50 650
BP AMOCO PLC SPONSORED ADR COM 055622104 2453 43377 SH SOLE 42803 574
BP AMOCO PLC SPONSORED ADR COM 055622104 1172 20722 SH DEFINED 19958 82 682
BANK OF AMERICA CORP COM 060505104 1681 39107 SH SOLE 38270 837
BANK OF AMERICA CORP COM 060505104 446 10375 SH DEFINED 10100 275
BELL ATLANTIC CORP. COM 077853109 2324 45748 SH SOLE 45214 534
BELL ATLANTIC CORP. COM 077853109 372 7326 SH DEFINED 5916 535 875
BELL SOUTH CORPORATION COM 079860102 1075 25243 SH SOLE 24843 400
BELL SOUTH CORPORATION COM 079860102 274 6450 SH DEFINED 5750 625 75
BESTFOODS COM 08658U101 610 8820 SH SOLE 8820
BESTFOODS COM 08658U101 122 1770 SH DEFINED 1620 150
BIOGEN COM 090597105 1206 18705 SH SOLE 18690 15
BIOGEN COM 090597105 47 730 SH DEFINED 565 15 150
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 3471 59600 SH SOLE 59425 175
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 426 7315 SH DEFINED 4940 475 1900
CIGNA CORPORATION COM 125509109 1153 12340 SH SOLE 12315 25
CIGNA CORPORATION COM 125509109 58 625 SH DEFINED 575 50
CAPITAL ONE FINANCIAL CORP. COM 14040H105 655 14693 SH SOLE 14693
CARNIVAL CRUISE LINES, INC. CL COM 143658102 892 45755 SH SOLE 45260 495
CARNIVAL CRUISE LINES, INC. CL COM 143658102 24 1260 SH DEFINED 1085 100 75
CHASE MANHATTAN CORP. COM 16161A108 1630 35394 SH SOLE 35169 225
CHASE MANHATTAN CORP. COM 16161A108 125 2719 SH DEFINED 1608 61 1050
CHEVRON CORP. COM 166751107 1818 21445 SH SOLE 21345 100
CHEVRON CORP. COM 166751107 171 2025 SH DEFINED 1700 50 275
CISCO SYSTEMS INC. COM 17275R102 6461 101660 SH SOLE 101290 370
CISCO SYSTEMS INC. COM 17275R102 480 7555 SH DEFINED 4635 750 2170
CITIGROUP INC. COM 172967101 4431 73558 SH SOLE 73446 112
CITIGROUP INC. COM 172967101 123 2048 SH DEFINED 1386 437 225
THE COASTAL CORPORATION COM 190441105 259 4265 SH SOLE 4265
THE COASTAL CORPORATION COM 190441105 6 110 SH DEFINED 110
COCA-COLA COMPANY COM 191216100 2446 42593 SH SOLE 41593 1000
COCA-COLA COMPANY COM 191216100 435 7580 SH DEFINED 1880 5600 100
COLUMBIA ENERGY GROUP COM 197648108 805 12277 SH SOLE 12277
COLUMBIA ENERGY GROUP COM 197648108 13 200 SH DEFINED 105 45 50
COMPAQ COMPUTER CORP. COM 204493100 253 9926 SH SOLE 9916 10
COMPAQ COMPUTER CORP. COM 204493100 7 305 SH DEFINED 305
COMPUTER SCIENCES CORP. COM 205363104 964 12918 SH SOLE 12793 125
COMPUTER SCIENCES CORP. COM 205363104 48 650 SH DEFINED 550 50 50
CONSTELLATION ENERGY GROUP INC COM 210371100 162 4991 SH SOLE 4991
CONSTELLATION ENERGY GROUP INC COM 210371100 140 4330 SH DEFINED 3500 500 330
DELL COMPUTER COM 247025109 854 17330 SH SOLE 17330
DELL COMPUTER COM 247025109 36 750 SH DEFINED 550 200
WALT DISNEY HOLDING CO. COM 254687106 4246 109410 SH SOLE 108670 740
WALT DISNEY HOLDING CO. COM 254687106 194 5020 SH DEFINED 3755 325 940
DOMINION RESOURCES INC COM 25746U109 409 9553 SH SOLE 9528 25
DOMINION RESOURCES INC COM 25746U109 16 375 SH DEFINED 375
DOW CHEMICAL CO COM 260543103 1256 41625 SH SOLE 40875 750
DOW CHEMICAL CO COM 260543103 97 3225 SH DEFINED 2145 30 1050
E. I. DUPONT DE NEMOURS CO. COM 263534109 1015 23220 SH SOLE 22970 250
E. I. DUPONT DE NEMOURS CO. COM 263534109 280 6415 SH DEFINED 5740 240 435
E M C CORPORATION COM 268648102 834 10850 SH SOLE 10850
E M C CORPORATION COM 268648102 45 590 SH DEFINED 560 30
EQUIFAX INCORPORATED COM 294429105 241 9195 SH SOLE 8645 550
EQUIFAX INCORPORATED COM 294429105 69 2665 SH DEFINED 565 2100
L M ERICSSON TELEPHONE CO ADR COM 294821400 275 13760 SH SOLE 12320 1440
L M ERICSSON TELEPHONE CO ADR COM 294821400 18 930 SH DEFINED 830 100
EXXON MOBIL CORP. COM 30231G102 5452 69453 SH SOLE 67936 1517
EXXON MOBIL CORP. COM 30231G102 897 11429 SH DEFINED 5588 4616 1225
F & M BANCORP COM 302367107 2171 109958 SH SOLE 109291 667
F & M BANCORP COM 302367107 356 18072 SH DEFINED 15408 2664
FCNB CORP. COM 302920103 241 13366 SH SOLE 13366
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 1141 21870 SH SOLE 21795 75
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 61 1180 SH DEFINED 655 125 400
FIRST UNION CORP COM 337358105 232 9375 SH SOLE 9375
FORD MOTOR COMPANY COM 345370100 1672 38895 SH SOLE 38720 175
FORD MOTOR COMPANY COM 345370100 62 1455 SH DEFINED 1230 100 125
GPU INC COM 36225X100 425 15735 SH SOLE 15660 75
GPU INC COM 36225X100 13 515 SH DEFINED 450 15 50
G T E CORP. COM 362320103 954 15338 SH SOLE 15200 138
G T E CORP. COM 362320103 105 1700 SH DEFINED 1600 50 50
GENERAL ELECTRIC CO COM 369604103 9980 188320 SH SOLE 185245 3075
GENERAL ELECTRIC CO COM 369604103 2125 40095 SH DEFINED 25170 11550 3375
GENERAL MOTORS CORP COM 370442105 588 10135 SH SOLE 10030 105
GENERAL MOTORS CORP COM 370442105 28 490 SH DEFINED 475 15
GILLETTE CO COM 375766102 1962 56175 SH SOLE 55925 250
GILLETTE CO COM 375766102 80 2300 SH DEFINED 1875 275 150
H.J. HEINZ CO. COM 423074103 1169 26732 SH SOLE 26132 600
H.J. HEINZ CO. COM 423074103 24 550 SH DEFINED 550
HEWLETT-PACKARD CO COM 428236103 3532 28290 SH SOLE 28240 50
HEWLETT-PACKARD CO COM 428236103 472 3780 SH DEFINED 2990 15 775
THE HOME DEPOT, INC. COM 437076102 1291 25869 SH SOLE 23296 2573
THE HOME DEPOT, INC. COM 437076102 122 2462 SH DEFINED 1223 52 1187
INTEL CORPORATION COM 458140100 10090 75475 SH SOLE 72760 2715
INTEL CORPORATION COM 458140100 1229 9200 SH DEFINED 7080 1660 460
INTERNATIONAL BUSINESS MACHINE COM 459200101 1619 14777 SH SOLE 10633 4144
INTERNATIONAL BUSINESS MACHINE COM 459200101 58 535 SH DEFINED 210 200 125
INTERNATIONAL PAPER CO. COM 460146103 574 19265 SH SOLE 19265
INTERNATIONAL PAPER CO. COM 460146103 19 650 SH DEFINED 575 25 50
JOHNSON & JOHNSON COM 478160104 3373 33110 SH SOLE 32410 700
JOHNSON & JOHNSON COM 478160104 441 4330 SH DEFINED 3680 200 450
JOHNSON CTLS INC COM 478366107 1460 28455 SH SOLE 28455
JOHNSON CTLS INC COM 478366107 47 935 SH DEFINED 775 60 100
ELI LILLY & CO. COM 532457108 309 3100 SH SOLE 2400 700
ELI LILLY & CO. COM 532457108 9 100 SH DEFINED 100
LUCENT TECHNOLOGIES COM 549463107 2664 44970 SH SOLE 44532 438
LUCENT TECHNOLOGIES COM 549463107 365 6177 SH DEFINED 3933 1794 450
MBNA CORPORATION COM 55262L100 2544 93789 SH SOLE 91889 1900
MBNA CORPORATION COM 55262L100 211 7808 SH DEFINED 7146 362 300
MARRIOTT INTERNATIONAL INC. CL COM 571903202 467 12955 SH SOLE 12955
MARRIOTT INTERNATIONAL INC. CL COM 571903202 72 2000 SH DEFINED 1600 400
MC CORMICK & CO. - NON-VOTING COM 579780206 373 11498 SH SOLE 11498
MC CORMICK & CO. - NON-VOTING COM 579780206 6 200 SH DEFINED 200
MEDIAONE GROUP INC COM COM 58440J104 91 1374 SH SOLE 1350 24
MEDIAONE GROUP INC COM COM 58440J104 154 2324 SH DEFINED 1324 800 200
MERCANTILE BANKSHARES CORP COM 587405101 561 18837 SH SOLE 18837
MERCK & CO.,INC. COM 589331107 3705 48360 SH SOLE 48220 140
MERCK & CO.,INC. COM 589331107 237 3105 SH DEFINED 2930 25 150
MICROSOFT CORP. COM 594918104 4933 61672 SH SOLE 60622 1050
MICROSOFT CORP. COM 594918104 503 6290 SH DEFINED 4955 25 1310
MINNESOTA MINING AND MFG CO COM 604059105 129 1564 SH SOLE 1564
MINNESOTA MINING AND MFG CO COM 604059105 233 2825 SH DEFINED 1550 500 775
MORGAN STANLEY DEAN WITTER & C COM 617446448 2103 25269 SH SOLE 25219 50
MORGAN STANLEY DEAN WITTER & C COM 617446448 84 1020 SH DEFINED 995 25
NOKIA CORPORATION COM 654902204 271 5435 SH SOLE 5435
NOKIA CORPORATION COM 654902204 30 610 SH DEFINED 350 60 200
NORFOLK SOUTHERN CORP. COM 655844108 203 13650 SH SOLE 13650
ORACLE CORP. COM 68389X105 305 3640 SH SOLE 3574 66
ORACLE CORP. COM 68389X105 25 300 SH DEFINED 300
PEPSICO INC COM 713448108 818 18425 SH SOLE 16235 2190
PEPSICO INC COM 713448108 173 3900 SH DEFINED 2300 1600
PFIZER INC COM 717081103 2328 48502 SH SOLE 47887 615
PFIZER INC COM 717081103 1157 24105 SH DEFINED 23805 300
PHILIP MORRIS COMPANIES, INC. COM 718154107 193 7285 SH SOLE 7285
PHILIP MORRIS COMPANIES, INC. COM 718154107 6 245 SH DEFINED 195 50
PROCTOR AND GAMBLE CO COM 742718109 1450 25330 SH SOLE 25155 175
PROCTOR AND GAMBLE CO COM 742718109 77 1350 SH DEFINED 1210 40 100
PROVIDIAN FINANCIAL CORP. COM 74406A102 302 3362 SH SOLE 3362
RELIANT ENERGY INC COM 75952J108 887 30025 SH SOLE 29950 75
RELIANT ENERGY INC COM 75952J108 21 715 SH DEFINED 640 75
SBC COMMUNICATIONS INC. COM 78387G103 835 19312 SH SOLE 18388 924
SBC COMMUNICATIONS INC. COM 78387G103 325 7520 SH DEFINED 6731 789
SARA LEE CORP. COM 803111103 262 13600 SH SOLE 12940 660
SARA LEE CORP. COM 803111103 32 1675 SH DEFINED 275 75 1325
SPRINT CORPORATION COM 852061100 1529 29985 SH SOLE 29945 40
SPRINT CORPORATION COM 852061100 80 1585 SH DEFINED 975 60 550
SPRINT CORP SERIES I PCS COM 852061506 179 3018 SH SOLE 3018
SPRINT CORP SERIES I PCS COM 852061506 32 538 SH DEFINED 264 274
SUN MICROSYSTEMS COM 866810104 9271 101950 SH SOLE 101735 215
SUN MICROSYSTEMS COM 866810104 519 5715 SH DEFINED 4270 325 1120
TARGET CORP COM 87612E106 1282 22105 SH SOLE 21855 250
TARGET CORP COM 87612E106 82 1420 SH DEFINED 1245 65 110
TEXACO INC. COM 881694103 463 8710 SH SOLE 8210 500
TEXACO INC. COM 881694103 93 1750 SH DEFINED 1150 600
TYCO INTERNATIONAL LTD COM 902124106 1204 25430 SH SOLE 25380 50
TYCO INTERNATIONAL LTD COM 902124106 23 500 SH DEFINED 500
U S WEST INC (NEW) COMMON COM 91273H101 892 10404 SH SOLE 10380 24
U S WEST INC (NEW) COMMON COM 91273H101 167 1954 SH DEFINED 1428 321 205
UNITED TECHNOLOGIES, INC. COM 913017109 198 3373 SH SOLE 3150 223
UNITED TECHNOLOGIES, INC. COM 913017109 129 2200 SH DEFINED 2200
UNIVERSAL CORPORATION COM 913456109 245 11600 SH SOLE 11600
VIACOM INC. CLASS B COM 925524308 338 4963 SH SOLE 4963
VODAFONE GROUP PLC ADR COM 92857T107 337 8145 SH SOLE 7835 310
VODAFONE GROUP PLC ADR COM 92857T107 38 920 SH DEFINED 250 670
WAL-MART STORES COM 931142103 976 16945 SH SOLE 16920 25
WAL-MART STORES COM 931142103 26 465 SH DEFINED 400 15 50
WELLS FARGO & COMPANY NEW COM 949746101 535 13816 SH SOLE 13816
WELLS FARGO & COMPANY NEW COM 949746101 29 750 SH DEFINED 650 100
WORLDCOM INC COM 98157D106 606 13225 SH SOLE 13225
WORLDCOM INC COM 98157D106 32 709 SH DEFINED 134 575
</TABLE>
