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: 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: SENIOR INVESTMENT OFFICER
Phone: 301-624-4240
Signature, Place, and Date of Signing:
RALPH A. MAZZA FREDERICK, MD APRIL 12, 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: 185
Form 13F Information Table Entry Total: $173,271
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 3397 61501 SH SOLE 61089 412
AT&T CORP. COM 001957109 252 4562 SH DEFINED 2988 1087 487
ABBOTT LABORATORIES COM 002824100 525 13875 SH SOLE 13875
ABBOTT LABORATORIES COM 002824100 47 1250 SH DEFINED 400 850
AEGON N.V. - ARS COM 007924103 248 2930 SH SOLE 2930
AMERICAN HOME PRODUCTS CORP COM 026609107 1282 23109 SH SOLE 22859 250
AMERICAN HOME PRODUCTS CORP COM 026609107 413 7450 SH DEFINED 5550 250 1650
AMERICAN INTERNATIONAL GROUP COM 026874107 4027 34738 SH SOLE 34543 195
AMERICAN INTERNATIONAL GROUP COM 026874107 474 4094 SH DEFINED 3614 62 418
AMGEN INC. COM 031162100 1256 21260 SH SOLE 21260
AMGEN INC. COM 031162100 17 290 SH DEFINED 290
APPLIED MATERIAL INC. COM 038222105 649 6205 SH SOLE 5520 685
APPLIED MATERIAL INC. COM 038222105 10 100 SH DEFINED 100
ATLANTIC RICHFIELD CO COM 048825103 1555 18385 SH SOLE 18035 350
ATLANTIC RICHFIELD CO COM 048825103 333 3940 SH DEFINED 3840 50 50
AUTOMATIC DATA PROCESSING COM 053015103 1261 24735 SH SOLE 24705 30
AUTOMATIC DATA PROCESSING COM 053015103 62 1225 SH DEFINED 525 50 650
BP AMOCO PLC SPONSORED ADR COM 055622104 696 13342 SH SOLE 13342
BP AMOCO PLC SPONSORED ADR COM 055622104 736 14108 SH DEFINED 13508 600
BANK OF AMERICA CORP COM 060505104 2068 39515 SH SOLE 38915 600
BANK OF AMERICA CORP COM 060505104 543 10375 SH DEFINED 10100 275
BELL ATLANTIC CORP. COM 077853109 2910 45425 SH SOLE 44975 450
BELL ATLANTIC CORP. COM 077853109 472 7372 SH DEFINED 5962 535 875
BELL SOUTH CORPORATION COM 079860102 1350 25814 SH SOLE 25814
BELL SOUTH CORPORATION COM 079860102 379 7254 SH DEFINED 6554 625 75
BESTFOODS COM 08658U101 440 9220 SH SOLE 9220
BESTFOODS COM 08658U101 84 1770 SH DEFINED 1620 150
BIOGEN COM 090597105 979 18490 SH SOLE 17945 545
BIOGEN COM 090597105 32 615 SH DEFINED 500 15 100
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 3849 59910 SH SOLE 59735 175
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 469 7315 SH DEFINED 4940 475 1900
CBS CORP. COM 12490K107 236 3998 SH SOLE 3998
CIGNA CORP. COM 125509109 1048 12410 SH SOLE 12385 25
CIGNA CORP. COM 125509109 52 625 SH DEFINED 575 50
CAPITAL ONE FINANCIAL CORP. COM 14040H105 737 14978 SH SOLE 14978
CARNIVAL CRUISE LINES, INC. CL COM 143658102 1132 45650 SH SOLE 45155 495
CARNIVAL CRUISE LINES, INC. CL COM 143658102 31 1260 SH DEFINED 1085 100 75
CHASE MANHATTAN CORP. COM 16161A108 2063 23990 SH SOLE 23840 150
CHASE MANHATTAN CORP. COM 16161A108 155 1810 SH DEFINED 1070 40 700
CHEVRON CORP. COM 166751107 1910 21540 SH SOLE 21440 100
CHEVRON CORP. COM 166751107 179 2025 SH DEFINED 1700 50 275
CISCO SYSTEMS INC. COM 17275R102 7171 102445 SH SOLE 102065 380
CISCO SYSTEMS INC. COM 17275R102 529 7565 SH DEFINED 4595 750 2220
CITIGROUP INC. COM 172967101 4684 73839 SH SOLE 73727 112
CITIGROUP INC. COM 172967101 129 2048 SH DEFINED 1386 437 225
THE COASTAL CORPORATION COM 190441105 229 4790 SH SOLE 4765 25
THE COASTAL CORPORATION COM 190441105 5 110 SH DEFINED 110
COCA-COLA COMPANY COM 191216100 1993 41758 SH SOLE 41558 200
COCA-COLA COMPANY COM 191216100 361 7580 SH DEFINED 1880 5600 100
COLUMBIA ENERGY GROUP COM 197648108 757 12277 SH SOLE 12277
COLUMBIA ENERGY GROUP COM 197648108 12 200 SH DEFINED 105 45 50
COMPAQ COMPUTER CORP. COM 204493100 338 12129 SH SOLE 12129
COMPAQ COMPUTER CORP. COM 204493100 14 505 SH DEFINED 355 150
COMPUTER SCIENCES CORP. COM 205363104 990 12918 SH SOLE 12793 125
COMPUTER SCIENCES CORP. COM 205363104 49 650 SH DEFINED 550 50 50
CONSTELLATION ENERGY GROUP INC COM 210371100 151 4641 SH SOLE 4641
CONSTELLATION ENERGY GROUP INC COM 210371100 141 4330 SH DEFINED 3500 500 330
DELL COMPUTER COM 247025109 893 16120 SH SOLE 16120
DELL COMPUTER COM 247025109 18 325 SH DEFINED 325
WALT DISNEY HOLDING CO. COM 254687106 4411 103800 SH SOLE 103080 720
WALT DISNEY HOLDING CO. COM 254687106 203 4780 SH DEFINED 3555 325 900
DOMINION RESOURCES INC COM 25746U109 361 8823 SH SOLE 8798 25
DOMINION RESOURCES INC COM 25746U109 12 300 SH DEFINED 300
DOW CHEMICAL CO COM 260543103 1651 14030 SH SOLE 13780 250
DOW CHEMICAL CO COM 260543103 138 1175 SH DEFINED 815 10 350
E. I. DUPONT DE NEMOURS CO. COM 263534109 1399 23724 SH SOLE 23474 250
E. I. DUPONT DE NEMOURS CO. COM 263534109 378 6415 SH DEFINED 5740 240 435
E M C CORPORATION COM 268648102 1642 12734 SH SOLE 5220 7514
E M C CORPORATION COM 268648102 36 280 SH DEFINED 265 15
EQUIFAX INCORPORATED COM 294429105 353 12590 SH SOLE 12170 420
EQUIFAX INCORPORATED COM 294429105 76 2740 SH DEFINED 565 2100 75
L M ERICSSON TELEPHONE CO ADR COM 294821400 239 2770 SH SOLE 2770
L M ERICSSON TELEPHONE CO ADR COM 294821400 13 160 SH DEFINED 160
EXXON MOBIL CORP. COM 30231G102 5469 68905 SH SOLE 68220 685
EXXON MOBIL CORP. COM 30231G102 940 11845 SH DEFINED 5963 4616 1266
F & M BANCORP COM 302367107 1987 113585 SH SOLE 113585
F & M BANCORP COM 302367107 437 24983 SH DEFINED 22319 2664
FCNB CORP. COM 302920103 199 14276 SH SOLE 14276
FEDERAL HOME LOAN MORTGAGE COR COM 313400301 207 4415 SH SOLE 4415
FEDERAL HOME LOAN MORTGAGE COR COM 313400301 37 800 SH DEFINED 750 50
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 1287 21685 SH SOLE 21610 75
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 70 1180 SH DEFINED 655 125 400
FIRST UNION CORP COM 337358105 280 7828 SH SOLE 7828
FORD MOTOR COMPANY COM 345370100 2022 38940 SH SOLE 38765 175
FORD MOTOR COMPANY COM 345370100 75 1455 SH DEFINED 1230 100 125
GPU INC COM 36225X100 454 15850 SH SOLE 15775 75
GPU INC COM 36225X100 14 515 SH DEFINED 450 15 50
G T E CORP. COM 362320103 1137 15200 SH SOLE 15200
G T E CORP. COM 362320103 127 1700 SH DEFINED 1600 50 50
GATEWAY INC COM 367626108 236 4103 SH SOLE 2103 2000
GATEWAY INC COM 367626108 8 150 SH DEFINED 150
GENERAL ELECTRIC CO COM 369604103 10673 66036 SH SOLE 62411 3625
GENERAL ELECTRIC CO COM 369604103 2228 13790 SH DEFINED 8790 3850 1150
GENERAL MOTORS CORP COM 370442105 882 10095 SH SOLE 9970 125
GENERAL MOTORS CORP COM 370442105 42 490 SH DEFINED 475 15
GILLETTE CO COM 375766102 2266 57830 SH SOLE 57580 250
GILLETTE CO COM 375766102 90 2300 SH DEFINED 1875 275 150
H.J. HEINZ CO. COM 423074103 972 26107 SH SOLE 26107
H.J. HEINZ CO. COM 423074103 20 550 SH DEFINED 550
HEWLETT-PACKARD CO COM 428236103 4068 27903 SH SOLE 27853 50
HEWLETT-PACKARD CO COM 428236103 534 3665 SH DEFINED 2925 15 725
THE HOME DEPOT, INC. COM 437076102 1540 22871 SH SOLE 22846 25
THE HOME DEPOT, INC. COM 437076102 165 2462 SH DEFINED 1223 52 1187
HUMAN GENOME SCIENCES COM 444903108 251 3132 SH SOLE 3132
INTEL CORPORATION COM 458140100 9925 75910 SH SOLE 73645 2265
INTEL CORPORATION COM 458140100 1200 9180 SH DEFINED 7070 1660 450
INTERNATIONAL BUSINESS MACHINE COM 459200101 716 6023 SH SOLE 6023
INTERNATIONAL BUSINESS MACHINE COM 459200101 38 320 SH DEFINED 120 200
INTERNATIONAL PAPER CO. COM 460146103 832 19270 SH SOLE 19270
INTERNATIONAL PAPER CO. COM 460146103 28 650 SH DEFINED 575 25 50
JOHNSON & JOHNSON COM 478160104 2560 32720 SH SOLE 32520 200
JOHNSON & JOHNSON COM 478160104 338 4330 SH DEFINED 3680 200 450
JOHNSON CTLS INC COM 478366107 1698 28400 SH SOLE 28400
JOHNSON CTLS INC COM 478366107 55 935 SH DEFINED 775 60 100
ELI LILLY & CO. COM 532457108 553 8275 SH SOLE 7575 700
ELI LILLY & CO. COM 532457108 6 100 SH DEFINED 100
LUCENT TECHNOLOGIES COM 549463107 2552 44492 SH SOLE 44142 350
LUCENT TECHNOLOGIES COM 549463107 352 6152 SH DEFINED 3908 1794 450
MBNA CORPORATION COM 55262L100 2547 93919 SH SOLE 92019 1900
MBNA CORPORATION COM 55262L100 211 7808 SH DEFINED 7146 362 300
MCI WORLDCOM INC COM 55268B106 570 13456 SH SOLE 13456
MCI WORLDCOM INC COM 55268B106 30 709 SH DEFINED 134 575
MARRIOTT INTERNATIONAL INC. CL COM 571903202 443 13520 SH SOLE 13520
MARRIOTT INTERNATIONAL INC. CL COM 571903202 65 2000 SH DEFINED 1600 400
MEDIAONE GROUP INC COM COM 58440J104 125 1550 SH SOLE 1550
MEDIAONE GROUP INC COM COM 58440J104 188 2324 SH DEFINED 1324 800 200
MEDIMMUNE, INC COM 584699102 495 3182 SH SOLE 3182
MERCANTILE BANKSHARES CORP COM 587405101 561 18837 SH SOLE 18837
MERCK & CO.,INC. COM 589331107 3297 48985 SH SOLE 48860 125
MERCK & CO.,INC. COM 589331107 209 3105 SH DEFINED 2930 25 150
MICROSOFT CORP. COM 594918104 5302 63219 SH SOLE 60109 3110
MICROSOFT CORP. COM 594918104 514 6140 SH DEFINED 4905 25 1210
MINNESOTA MINING AND MFG CO COM 604059105 158 1660 SH SOLE 1660
MINNESOTA MINING AND MFG CO COM 604059105 269 2825 SH DEFINED 1550 500 775
MORGAN STANLEY DEAN WITTER DIS COM 617446448 2149 24974 SH SOLE 24924 50
MORGAN STANLEY DEAN WITTER DIS COM 617446448 82 955 SH DEFINED 955
NOKIA CORPORATION COM 654902204 265 4920 SH SOLE 4240 680
NOKIA CORPORATION COM 654902204 14 260 SH DEFINED 200 60
NORFOLK SOUTHERN CORP. COM 655844108 240 13650 SH SOLE 13650
ORACLE CORP. COM 68389X105 326 4224 SH SOLE 3574 650
ORACLE CORP. COM 68389X105 23 300 SH DEFINED 300
PEPSICO INC COM 713448108 753 20325 SH SOLE 20025 300
PEPSICO INC COM 713448108 151 4100 SH DEFINED 2500 1600
PFIZER INC COM 717081103 1294 32524 SH SOLE 32524
PFIZER INC COM 717081103 68 1725 SH DEFINED 1425 300
PHILIP MORRIS COMPANIES, INC. COM 718154107 234 10760 SH SOLE 10760
PHILIP MORRIS COMPANIES, INC. COM 718154107 16 745 SH DEFINED 570 50 125
PROCTOR AND GAMBLE CO COM 742718109 1676 25235 SH SOLE 25060 175
PROCTOR AND GAMBLE CO COM 742718109 89 1350 SH DEFINED 1210 40 100
PROVIDIAN FINANCIAL CORP. COM 74406A102 293 3362 SH SOLE 3362
RELIANT ENERGY INC COM 75952J108 748 30800 SH SOLE 30725 75
RELIANT ENERGY INC COM 75952J108 19 790 SH DEFINED 640 75 75
ROYAL DUTCH PETROLEUM COMPANY COM 780257804 207 3605 SH SOLE 3605
ROYAL DUTCH PETROLEUM COMPANY COM 780257804 14 255 SH DEFINED 130 125
SBC COMMUNICATIONS INC. COM 78387G103 863 18283 SH SOLE 18283
SBC COMMUNICATIONS INC. COM 78387G103 374 7920 SH DEFINED 7131 789
SARA LEE CORP. COM 803111103 238 14015 SH SOLE 14015
SARA LEE CORP. COM 803111103 28 1675 SH DEFINED 275 75 1325
SPRINT CORPORATION COM 852061100 1711 28385 SH SOLE 28355 30
SPRINT CORPORATION COM 852061100 192 3185 SH DEFINED 2575 60 550
SPRINT CORP SERIES I PCS COM 852061506 131 2360 SH SOLE 2360
SPRINT CORP SERIES I PCS COM 852061506 74 1338 SH DEFINED 1064 274
SUN MICROSYSTEMS COM 866810104 9380 106752 SH SOLE 102402 4350
SUN MICROSYSTEMS COM 866810104 507 5770 SH DEFINED 4245 325 1200
SUNTRUST BANK INC. COM 867914103 284 4968 SH SOLE 4968
TARGET CORP COM 87612E106 1552 21305 SH SOLE 21055 250
TARGET CORP COM 87612E106 93 1285 SH DEFINED 1145 65 75
TEXACO INC. COM 881694103 452 8605 SH SOLE 8505 100
TEXACO INC. COM 881694103 91 1750 SH DEFINED 1150 600
TEXAS INSTRUMENTS INC. COM 882508104 202 1325 SH SOLE 1260 65
TYCO INTERNATIONAL LTD COM 902124106 1112 22480 SH SOLE 22430 50
TYCO INTERNATIONAL LTD COM 902124106 23 475 SH DEFINED 475
U S WEST INC (NEW) COMMON COM 91273H101 740 10451 SH SOLE 10451
U S WEST INC (NEW) COMMON COM 91273H101 138 1954 SH DEFINED 1428 321 205
UNITED TECHNOLOGIES, INC. COM 913017109 206 3215 SH SOLE 3215
UNITED TECHNOLOGIES, INC. COM 913017109 3 60 SH DEFINED 60
UNIVERSAL CORPORATION COM 913456109 196 11600 SH SOLE 11600
VODAFONE GROUP PLC ADR COM 92857T107 411 8010 SH SOLE 7810 200
VODAFONE GROUP PLC ADR COM 92857T107 47 920 SH DEFINED 250 670
WAL-MART STORES COM 931142103 1087 17165 SH SOLE 15640 1525
WAL-MART STORES COM 931142103 29 465 SH DEFINED 400 15 50
WARNER LAMBERT CO COM 934488107 691 6435 SH SOLE 6435
WARNER LAMBERT CO COM 934488107 880 8188 SH DEFINED 8188
WELLS FARGO & COMPANY NEW COM 949746101 557 13816 SH SOLE 13816
WELLS FARGO & COMPANY NEW COM 949746101 30 750 SH DEFINED 650 100
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