13F-HR
09/30/00
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: 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: 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 02, 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: 182
Form 13F Information Table Entry Total: $166,214
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 1768 61516 SH SOLE 60965 551
AT&T CORP. COM 001957109 187 6535 SH DEFINED 3768 2280 487
ABBOTT LABORATORIES COM 002824100 477 10275 SH SOLE 10275
ABBOTT LABORATORIES COM 002824100 54 1175 SH DEFINED 325 850
AEGON N.V. - ARS COM 007924103 220 5901 SH SOLE 5901
AGILENT TECHNOLOGIES INC. COM 00846U101 507 10577 SH SOLE 10577
AGILENT TECHNOLOGIES INC. COM 00846U101 67 1403 SH DEFINED 1104 5 294
ALLEGHENY ENERGY INC. COM 017361106 144 3850 SH SOLE 3850
ALLEGHENY ENERGY INC. COM 017361106 74 1975 SH DEFINED 1975
AMERICAN EXPRESS COM 025816109 233 3825 SH SOLE 3825
AMERICAN GENERAL CORP. COM 026351106 116 1475 SH SOLE 1475
AMERICAN GENERAL CORP. COM 026351106 94 1200 SH DEFINED 1200
AMERICAN HOME PRODUCTS CORP COM 026609107 991 17494 SH SOLE 17244 250
AMERICAN HOME PRODUCTS CORP COM 026609107 313 5525 SH DEFINED 3950 250 1325
AMERICAN INTERNATIONAL GROUP COM 026874107 4857 51270 SH SOLE 50763 507
AMERICAN INTERNATIONAL GROUP COM 026874107 578 6108 SH DEFINED 5315 92 701
AMGEN INC. COM 031162100 1441 20520 SH SOLE 20520
AMGEN INC. COM 031162100 20 290 SH DEFINED 290
APPLIED MATERIAL INC. COM 038222105 543 8515 SH SOLE 8515
APPLIED MATERIAL INC. COM 038222105 18 290 SH DEFINED 215 75
AUTOMATIC DATA PROCESSING COM 053015103 1622 24245 SH SOLE 24215 30
AUTOMATIC DATA PROCESSING COM 053015103 88 1315 SH DEFINED 615 50 650
BP AMOCO PLC SPONSORED ADR COM 055622104 1501 28736 SH SOLE 28162 574
BP AMOCO PLC SPONSORED ADR COM 055622104 987 18898 SH DEFINED 18209 82 607
BMC SOFTWARE COM 055921100 596 29900 SH SOLE 29900
BMC SOFTWARE COM 055921100 19 1000 SH DEFINED 600 400
BANK OF AMERICA CORP COM 060505104 1926 35682 SH SOLE 34845 837
BANK OF AMERICA CORP COM 060505104 552 10230 SH DEFINED 9930 300
BELL SOUTH CORPORATION COM 079860102 835 21120 SH SOLE 20720 400
BELL SOUTH CORPORATION COM 079860102 253 6420 SH DEFINED 5720 625 75
BESTFOODS COM 08658U101 591 8130 SH SOLE 8130
BESTFOODS COM 08658U101 121 1670 SH DEFINED 1520 150
BIOGEN COM 090597105 1400 21920 SH SOLE 21905 15
BIOGEN COM 090597105 45 705 SH DEFINED 540 15 150
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 3356 57865 SH SOLE 57690 175
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 424 7315 SH DEFINED 4940 475 1900
BURLINGTON RESOURCES INC COM 122014103 398 11020 SH SOLE 11020
BURLINGTON RESOURCES INC COM 122014103 3 100 SH DEFINED 100
CIGNA CORPORATION COM 125509109 1275 12405 SH SOLE 12380 25
CIGNA CORPORATION COM 125509109 61 600 SH DEFINED 525 75
CAPITAL ONE FINANCIAL CORP. COM 14040H105 598 8375 SH SOLE 8375
CARNIVAL CRUISE LINES, INC. CL COM 143658102 1408 56345 SH SOLE 55850 495
CARNIVAL CRUISE LINES, INC. CL COM 143658102 38 1535 SH DEFINED 1210 100 225
CHASE MANHATTAN CORP. COM 16161A108 1853 39537 SH SOLE 39312 225
CHASE MANHATTAN CORP. COM 16161A108 120 2579 SH DEFINED 1455 59 1065
CHEVRON CORP. COM 166751107 1727 20530 SH SOLE 20430 100
CHEVRON CORP. COM 166751107 147 1750 SH DEFINED 1425 50 275
CISCO SYSTEMS INC. COM 17275R102 6036 101557 SH SOLE 101187 370
CISCO SYSTEMS INC. COM 17275R102 457 7705 SH DEFINED 4785 750 2170
CITIGROUP INC. COM 172967101 5152 95755 SH SOLE 95607 148
CITIGROUP INC. COM 172967101 148 2759 SH DEFINED 1844 582 333
THE COASTAL CORPORATION COM 190441105 297 3920 SH SOLE 3920
THE COASTAL CORPORATION COM 190441105 3 50 SH DEFINED 50
COCA-COLA COMPANY COM 191216100 2363 42638 SH SOLE 41638 1000
COCA-COLA COMPANY COM 191216100 413 7455 SH DEFINED 1680 5600 175
COLUMBIA ENERGY GROUP COM 197648108 763 10752 SH SOLE 10752
COLUMBIA ENERGY GROUP COM 197648108 14 200 SH DEFINED 105 45 50
COMPAQ COMPUTER CORP. COM 204493100 200 6536 SH SOLE 6526 10
COMPAQ COMPUTER CORP. COM 204493100 6 205 SH DEFINED 205
COMPUTER SCIENCES CORP. COM 205363104 1114 14533 SH SOLE 14408 125
COMPUTER SCIENCES CORP. COM 205363104 51 675 SH DEFINED 575 50 50
CONSTELLATION ENERGY GROUP INC COM 210371100 244 4913 SH SOLE 4913
CONSTELLATION ENERGY GROUP INC COM 210371100 180 3630 SH DEFINED 2800 500 330
DELL COMPUTER COM 247025109 661 19775 SH SOLE 19775
DELL COMPUTER COM 247025109 31 950 SH DEFINED 750 200
WALT DISNEY HOLDING CO. COM 254687106 4183 107790 SH SOLE 107075 715
WALT DISNEY HOLDING CO. COM 254687106 190 4920 SH DEFINED 3655 325 940
DOMINION RESOURCES INC COM 25746U109 513 8915 SH SOLE 8890 25
DOMINION RESOURCES INC COM 25746U109 21 375 SH DEFINED 375
DOW CHEMICAL CO COM 260543103 1061 43755 SH SOLE 43105 650
DOW CHEMICAL CO COM 260543103 70 2925 SH DEFINED 1845 30 1050
E. I. DUPONT DE NEMOURS CO. COM 263534109 939 23446 SH SOLE 23196 250
E. I. DUPONT DE NEMOURS CO. COM 263534109 256 6410 SH DEFINED 5715 240 455
E M C CORPORATION COM 268648102 766 7455 SH SOLE 7455
E M C CORPORATION COM 268648102 52 515 SH DEFINED 485 30
EQUIFAX INCORPORATED COM 294429105 179 6595 SH SOLE 6045 550
EQUIFAX INCORPORATED COM 294429105 72 2665 SH DEFINED 565 2100
L M ERICSSON TELEPHONE CO ADR COM 294821400 293 18425 SH SOLE 16985 1440
L M ERICSSON TELEPHONE CO ADR COM 294821400 14 930 SH DEFINED 830 100
EXXON MOBIL CORP. COM 30231G102 5663 63550 SH SOLE 62115 1435
EXXON MOBIL CORP. COM 30231G102 1018 11429 SH DEFINED 5588 4616 1225
F & M BANCORP COM 302367107 2157 107886 SH SOLE 107219 667
F & M BANCORP COM 302367107 354 17722 SH DEFINED 15058 2664
FCNB CORP. COM 302920103 276 12826 SH SOLE 12826
FEDERAL HOME LOAN MORTGAGE COM 313400301 191 3535 SH SOLE 3535
FEDERAL HOME LOAN MORTGAGE COM 313400301 40 750 SH DEFINED 750
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 1771 24955 SH SOLE 24880 75
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 69 980 SH DEFINED 355 125 500
FORD MOTOR COMPANY-NEW COM 345370860 1882 75113 SH SOLE 74811 302
FORD MOTOR COMPANY-NEW COM 345370860 69 2762 SH DEFINED 2267 173 322
GPU INC COM 36225X100 390 12105 SH SOLE 12030 75
GPU INC COM 36225X100 10 320 SH DEFINED 305 15
GENERAL ELECTRIC CO COM 369604103 10130 171710 SH SOLE 168635 3075
GENERAL ELECTRIC CO COM 369604103 2265 38400 SH DEFINED 23465 11550 3385
GENERAL MOTORS CORP COM 370442105 927 13835 SH SOLE 13730 105
GENERAL MOTORS CORP COM 370442105 39 590 SH DEFINED 525 15 50
GILLETTE CO COM 375766102 1723 55950 SH SOLE 55700 250
GILLETTE CO COM 375766102 71 2325 SH DEFINED 1850 275 200
H.J. HEINZ CO. COM 423074103 866 23294 SH SOLE 22694 600
H.J. HEINZ CO. COM 423074103 28 775 SH DEFINED 625 150
HEWLETT-PACKARD CO COM 428236103 3284 30735 SH SOLE 30685 50
HEWLETT-PACKARD CO COM 428236103 412 3855 SH DEFINED 3065 15 775
THE HOME DEPOT, INC. COM 437076102 1480 27129 SH SOLE 24556 2573
THE HOME DEPOT, INC. COM 437076102 137 2512 SH DEFINED 1273 52 1187
INTEL CORPORATION COM 458140100 6576 148000 SH SOLE 142570 5430
INTEL CORPORATION COM 458140100 820 18475 SH DEFINED 14235 3320 920
INTERNATIONAL BUSINESS MACHINE COM 459200101 2045 17342 SH SOLE 13198 4144
INTERNATIONAL BUSINESS MACHINE COM 459200101 57 485 SH DEFINED 160 200 125
INTERNATIONAL PAPER CO. COM 460146103 617 21580 SH SOLE 21580
INTERNATIONAL PAPER CO. COM 460146103 22 780 SH DEFINED 615 25 140
JOHNSON & JOHNSON COM 478160104 3022 32410 SH SOLE 31710 700
JOHNSON & JOHNSON COM 478160104 380 4080 SH DEFINED 3480 200 400
JOHNSON CTLS INC COM 478366107 1507 28575 SH SOLE 28575
JOHNSON CTLS INC COM 478366107 54 1025 SH DEFINED 840 60 125
ELI LILLY & CO. COM 532457108 254 3100 SH SOLE 2400 700
ELI LILLY & CO. COM 532457108 8 100 SH DEFINED 100
LUCENT TECHNOLOGIES COM 549463107 1460 45993 SH SOLE 45555 438
LUCENT TECHNOLOGIES COM 549463107 202 6377 SH DEFINED 4133 1794 450
MBNA CORPORATION COM 55262L100 3830 96219 SH SOLE 94319 1900
MBNA CORPORATION COM 55262L100 290 7301 SH DEFINED 6614 362 325
MARRIOTT INTERNATIONAL INC. CL COM 571903202 476 12810 SH SOLE 12810
MARRIOTT INTERNATIONAL INC. CL COM 571903202 74 2000 SH DEFINED 1600 400
MC CORMICK & CO. - NON-VOTING COM 579780206 338 11498 SH SOLE 11498
MC CORMICK & CO. - NON-VOTING COM 579780206 5 200 SH DEFINED 200
MERCANTILE BANKSHARES CORP COM 587405101 584 16887 SH SOLE 16887
MERCK & CO.,INC. COM 589331107 3419 46760 SH SOLE 46620 140
MERCK & CO.,INC. COM 589331107 232 3180 SH DEFINED 3005 25 150
MICROSOFT CORP. COM 594918104 4051 66072 SH SOLE 65022 1050
MICROSOFT CORP. COM 594918104 398 6500 SH DEFINED 5165 25 1310
MINNESOTA MINING AND MFG CO COM 604059105 138 1514 SH SOLE 1514
MINNESOTA MINING AND MFG CO COM 604059105 249 2725 SH DEFINED 1450 500 775
MORGAN STANLEY DEAN WITTER & C COM 617446448 2299 25529 SH SOLE 25479 50
MORGAN STANLEY DEAN WITTER & C COM 617446448 85 945 SH DEFINED 795 150
NOKIA CORPORATION COM 654902204 607 14705 SH SOLE 14705
NOKIA CORPORATION COM 654902204 28 685 SH DEFINED 425 60 200
ORACLE CORP. COM 68389X105 296 3640 SH SOLE 3574 66
ORACLE CORP. COM 68389X105 24 300 SH DEFINED 300
PEPSICO INC COM 713448108 589 13025 SH SOLE 10835 2190
PEPSICO INC COM 713448108 176 3900 SH DEFINED 2300 1600
PERKINELMER INC. COM 714046109 224 2100 SH SOLE 2100
PFIZER INC COM 717081103 2142 48897 SH SOLE 48282 615
PFIZER INC COM 717081103 1060 24204 SH DEFINED 23904 300
PROCTOR AND GAMBLE CO COM 742718109 1597 23868 SH SOLE 23718 150
PROCTOR AND GAMBLE CO COM 742718109 54 810 SH DEFINED 670 40 100
PROVIDIAN FINANCIAL CORP. COM 74406A102 435 3362 SH SOLE 3362
QWEST COMMUNICATION INTERNATIO COM 749121109 943 19664 SH SOLE 19623 41
QWEST COMMUNICATION INTERNATIO COM 749121109 162 3375 SH DEFINED 2466 555 354
RELIANT ENERGY INC COM 75952J108 1103 24520 SH SOLE 24445 75
RELIANT ENERGY INC COM 75952J108 31 690 SH DEFINED 615 75
SBC COMMUNICATIONS INC. COM 78387G103 885 17783 SH SOLE 16859 924
SBC COMMUNICATIONS INC. COM 78387G103 368 7395 SH DEFINED 6606 789
SARA LEE CORP. COM 803111103 183 9205 SH SOLE 8545 660
SARA LEE CORP. COM 803111103 29 1500 SH DEFINED 225 75 1200
SMITHKLINE BEECHAM ADR COM 832378301 374 5590 SH SOLE 5590
SMITHKLINE BEECHAM ADR COM 832378301 8 125 SH DEFINED 25 100
SOUTHERN CO COM 842587107 194 6073 SH SOLE 6073
SOUTHERN CO COM 842587107 16 500 SH DEFINED 500
SPRINT CORPORATION COM 852061100 907 31710 SH SOLE 31670 40
SPRINT CORPORATION COM 852061100 38 1360 SH DEFINED 675 60 625
SUN MICROSYSTEMS COM 866810104 12504 101145 SH SOLE 100980 165
SUN MICROSYSTEMS COM 866810104 708 5730 SH DEFINED 4285 325 1120
SUNTRUST BANK INC. COM 867914103 203 4004 SH SOLE 4004
TARGET CORP COM 87612E106 1089 43153 SH SOLE 42653 500
TARGET CORP COM 87612E106 52 2090 SH DEFINED 1740 130 220
TEXACO INC. COM 881694103 427 8260 SH SOLE 7760 500
TEXACO INC. COM 881694103 85 1650 SH DEFINED 1050 600
TYCO INTERNATIONAL LTD COM 902124106 1531 29460 SH SOLE 29410 50
TYCO INTERNATIONAL LTD COM 902124106 37 725 SH DEFINED 625 100
UNITED TECHNOLOGIES, INC. COM 913017109 247 3463 SH SOLE 3240 223
UNITED TECHNOLOGIES, INC. COM 913017109 157 2200 SH DEFINED 2200
UNIVERSAL CORPORATION COM 913456109 346 11600 SH SOLE 11600
VERIZON COMMUNICATIONS COM 92343V104 2998 63373 SH SOLE 62641 732
VERIZON COMMUNICATIONS COM 92343V104 446 9439 SH DEFINED 7907 596 936
VIACOM INC. CLASS B COM 925524308 283 4963 SH SOLE 4963
VODAFONE GROUP PLC COM 92857W100 284 7680 SH SOLE 7370 310
VODAFONE GROUP PLC COM 92857W100 36 995 SH DEFINED 275 670 50
WAL-MART STORES COM 931142103 893 18600 SH SOLE 18575 25
WAL-MART STORES COM 931142103 23 490 SH DEFINED 425 15 50
WELLS FARGO & COMPANY NEW COM 949746101 800 17116 SH SOLE 17116
WELLS FARGO & COMPANY NEW COM 949746101 42 900 SH DEFINED 800 100
WORLDCOM INC COM 98157D106 399 13788 SH SOLE 13788
WORLDCOM INC COM 98157D106 19 687 SH DEFINED 112 575
</TABLE>
