UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 12/31/99
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 JANUARY 03, 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: 194
Form 13F Information Table Entry Total: $173,848
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 3116 61946 SH SOLE 61574 372
AT&T CORP. COM 001957109 228 4549 SH DEFINED 3000 1062 487
ABBOTT LABORATORIES COM 002824100 764 20850 SH SOLE 20850
ABBOTT LABORATORIES COM 002824100 53 1450 SH DEFINED 600 850
AEGON N.V. - ARS COM 007924103 280 2930 SH SOLE 2930
ALLEGHENY ENERGY INC. COM 017361106 147 5400 SH SOLE 5400
ALLEGHENY ENERGY INC. COM 017361106 59 2175 SH DEFINED 2175
AMERICAN EXPRESS COM 025816109 211 1275 SH SOLE 1275
AMERICAN HOME PRODUCTS CORP COM 026609107 1706 42787 SH SOLE 42412 375
AMERICAN HOME PRODUCTS CORP COM 026609107 318 7975 SH DEFINED 6075 250 1650
AMERICAN INTERNATIONAL GROUP COM 026874107 3477 32110 SH SOLE 31940 170
AMERICAN INTERNATIONAL GROUP COM 026874107 466 4309 SH DEFINED 3748 62 499
AMGEN INC. COM 031162100 1567 24160 SH SOLE 24160
AMGEN INC. COM 031162100 35 540 SH DEFINED 540
ATLANTIC RICHFIELD CO COM 048825103 1766 20670 SH SOLE 20320 350
ATLANTIC RICHFIELD CO COM 048825103 334 3915 SH DEFINED 3815 50 50
AUTOMATIC DATA PROCESSING COM 053015103 1273 23280 SH SOLE 23250 30
AUTOMATIC DATA PROCESSING COM 053015103 64 1175 SH DEFINED 475 50 650
BP AMOCO PLC SPONSORED ADR COM 055622104 800 13452 SH SOLE 13452
BP AMOCO PLC SPONSORED ADR COM 055622104 839 14108 SH DEFINED 13508 600
BANK OF AMERICA CORP COM 060505104 2072 40884 SH SOLE 40284 600
BANK OF AMERICA CORP COM 060505104 528 10425 SH DEFINED 10150 275
BANK ONE CORPORATION COM 06423A103 414 12817 SH SOLE 12767 50
BANK ONE CORPORATION COM 06423A103 64 2008 SH DEFINED 1295 413 300
BELL ATLANTIC CORP. COM 077853109 2836 46124 SH SOLE 45614 510
BELL ATLANTIC CORP. COM 077853109 448 7297 SH DEFINED 5887 510 900
BELL SOUTH CORPORATION COM 079860102 1559 33324 SH SOLE 33324
BELL SOUTH CORPORATION COM 079860102 353 7554 SH DEFINED 6854 625 75
BESTFOODS COM 08658U101 723 13620 SH SOLE 13620
BESTFOODS COM 08658U101 115 2170 SH DEFINED 2020 150
BIOGEN COM 090597105 1311 15475 SH SOLE 14475 1000
BIOGEN COM 090597105 38 450 SH DEFINED 350 100
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 3772 57820 SH SOLE 57695 125
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 475 7290 SH DEFINED 4940 450 1900
BRITISH TELECOMMUNICATIONS COM 111021408 226 925 SH SOLE 925
BRITISH TELECOMMUNICATIONS COM 111021408 40 165 SH DEFINED 165
CBS CORP. COM 12490K107 248 3998 SH SOLE 3998
CIGNA CORP. COM 125509109 968 12110 SH SOLE 12085 25
CIGNA CORP. COM 125509109 49 625 SH DEFINED 575 50
CSX CORP. COM 126408103 308 9838 SH SOLE 9738 100
CSX CORP. COM 126408103 42 1355 SH DEFINED 680 425 250
CAPITAL ONE FINANCIAL CORP. COM 14040H105 500 10505 SH SOLE 10505
CAPITAL ONE FINANCIAL CORP. COM 14040H105 42 900 SH DEFINED 900
CARNIVAL CRUISE LINES, INC. CL COM 143658102 1757 37245 SH SOLE 36790 455
CARNIVAL CRUISE LINES, INC. CL COM 143658102 77 1635 SH DEFINED 1485 75 75
CHASE MANHATTAN CORP. COM 16161A108 1966 25190 SH SOLE 24990 200
CHASE MANHATTAN CORP. COM 16161A108 147 1895 SH DEFINED 1170 25 700
CHEVRON CORP. COM 166751107 1875 21940 SH SOLE 21840 100
CHEVRON CORP. COM 166751107 165 1935 SH DEFINED 1625 35 275
CISCO SYSTEMS INC. COM 17275R102 6217 58554 SH SOLE 52269 6285
CISCO SYSTEMS INC. COM 17275R102 435 4100 SH DEFINED 2640 360 1100
CITIGROUP INC. COM 172967101 4284 77460 SH SOLE 77373 87
CITIGROUP INC. COM 172967101 133 2422 SH DEFINED 1760 437 225
COCA-COLA COMPANY COM 191216100 2330 39883 SH SOLE 39723 160
COCA-COLA COMPANY COM 191216100 447 7655 SH DEFINED 1980 5575 100
COLUMBIA ENERGY GROUP COM 197648108 802 12742 SH SOLE 12742
COLUMBIA ENERGY GROUP COM 197648108 12 200 SH DEFINED 105 45 50
COMPAQ COMPUTER CORP. COM 204493100 744 27150 SH SOLE 27150
COMPAQ COMPUTER CORP. COM 204493100 39 1430 SH DEFINED 1280 150
COMPUTER SCIENCES CORP. COM 205363104 1056 11648 SH SOLE 11548 100
COMPUTER SCIENCES CORP. COM 205363104 47 525 SH DEFINED 450 25 50
CONSTELLATION ENERGY GROUP INC COM 210371100 187 6454 SH SOLE 6454
CONSTELLATION ENERGY GROUP INC COM 210371100 125 4330 SH DEFINED 3500 500 330
DAYTON HUDSON CORP. COM 239753106 1542 20900 SH SOLE 20700 200
DAYTON HUDSON CORP. COM 239753106 97 1320 SH DEFINED 1195 50 75
DELL COMPUTER COM 247025109 752 14460 SH SOLE 14010 450
DELL COMPUTER COM 247025109 14 275 SH DEFINED 275
WALT DISNEY HOLDING CO. COM 254687106 2952 101390 SH SOLE 100745 645
WALT DISNEY HOLDING CO. COM 254687106 149 5130 SH DEFINED 3955 275 900
DOMINION RESOURCES COM 257470104 197 4973 SH SOLE 4973
DOMINION RESOURCES COM 257470104 5 150 SH DEFINED 150
DOW CHEMICAL CO COM 260543103 1950 14860 SH SOLE 14560 300
DOW CHEMICAL CO COM 260543103 181 1385 SH DEFINED 1025 10 350
E. I. DUPONT DE NEMOURS CO. COM 263534109 1597 24534 SH SOLE 24284 250
E. I. DUPONT DE NEMOURS CO. COM 263534109 447 6875 SH DEFINED 6215 225 435
E M C CORPORATION COM 268648102 1044 9474 SH SOLE 2390 7084
E M C CORPORATION COM 268648102 7 65 SH DEFINED 65
EASTMAN KODAK CO COM 277461109 240 3675 SH SOLE 3575 100
EASTMAN KODAK CO COM 277461109 6 100 SH DEFINED 100
ENERGY EAST CORP COM 29266M109 331 15790 SH SOLE 15670 120
ENERGY EAST CORP COM 29266M109 7 340 SH DEFINED 210 30 100
EQUIFAX INCORPORATED COM 294429105 458 19685 SH SOLE 19240 445
EQUIFAX INCORPORATED COM 294429105 97 4165 SH DEFINED 1990 2100 75
EXXON MOBIL CORP. COM 30231G102 5766 71693 SH SOLE 71033 660
EXXON MOBIL CORP. COM 30231G102 1058 13162 SH DEFINED 7245 4601 1316
F & M BANCORP COM 302367107 2416 120837 SH SOLE 120837
F & M BANCORP COM 302367107 516 25812 SH DEFINED 22813 2999
FCNB CORP. COM 302920103 210 13932 SH SOLE 13932
FEDERAL HOME LOAN MORTGAGE COR COM 313400301 558 11915 SH SOLE 11890 25
FEDERAL HOME LOAN MORTGAGE COR COM 313400301 49 1050 SH DEFINED 1000 50
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 1270 20530 SH SOLE 20480 50
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 75 1215 SH DEFINED 690 125 400
FIRST UNION CORP COM 337358105 351 10525 SH SOLE 10525
FIRST UNION CORP COM 337358105 25 775 SH DEFINED 775
FORD MOTOR COMPANY COM 345370100 1990 37160 SH SOLE 37035 125
FORD MOTOR COMPANY COM 345370100 73 1380 SH DEFINED 1180 75 125
GPU INC COM 36225X100 471 15893 SH SOLE 15808 85
GPU INC COM 36225X100 13 440 SH DEFINED 375 15 50
G T E CORP. COM 362320103 1072 15240 SH SOLE 15240
G T E CORP. COM 362320103 109 1550 SH DEFINED 1450 50 50
GATEWAY INC COM 367626108 287 4103 SH SOLE 2103 2000
GATEWAY INC COM 367626108 14 200 SH DEFINED 200
GENERAL ELECTRIC CO COM 369604103 10368 66896 SH SOLE 63211 3685
GENERAL ELECTRIC CO COM 369604103 2158 13925 SH DEFINED 8940 3835 1150
GENERAL MOTORS CORP COM 370442105 627 8640 SH SOLE 8540 100
GENERAL MOTORS CORP COM 370442105 9 125 SH DEFINED 125
GILLETTE CO COM 375766102 2269 54760 SH SOLE 54535 225
GILLETTE CO COM 375766102 99 2400 SH DEFINED 2000 250 150
HALLIBURTON CO COM 406216101 360 9305 SH SOLE 9305
HALLIBURTON CO COM 406216101 11 290 SH DEFINED 190 25 75
H.J. HEINZ CO. COM 423074103 880 21952 SH SOLE 21952
H.J. HEINZ CO. COM 423074103 22 550 SH DEFINED 550
HEWLETT-PACKARD CO COM 428236103 3233 28058 SH SOLE 28008 50
HEWLETT-PACKARD CO COM 428236103 420 3650 SH DEFINED 2925 725
THE HOME DEPOT, INC. COM 437076102 2284 22357 SH SOLE 22357
THE HOME DEPOT, INC. COM 437076102 260 2553 SH DEFINED 977 38 1538
INTEL CORPORATION COM 458140100 6768 80875 SH SOLE 74365 6510
INTEL CORPORATION COM 458140100 785 9390 SH DEFINED 7295 1645 450
INTERNATIONAL BUSINESS MACHINE COM 459200101 566 5213 SH SOLE 5213
INTERNATIONAL BUSINESS MACHINE COM 459200101 29 270 SH DEFINED 70 200
INTERNATIONAL PAPER CO. COM 460146103 1037 19045 SH SOLE 19035 10
INTERNATIONAL PAPER CO. COM 460146103 31 575 SH DEFINED 500 25 50
JOHNSON & JOHNSON COM 478160104 3038 32495 SH SOLE 32295 200
JOHNSON & JOHNSON COM 478160104 437 4680 SH DEFINED 4055 175 450
JOHNSON CTLS INC COM 478366107 1532 27130 SH SOLE 27130
JOHNSON CTLS INC COM 478366107 54 960 SH DEFINED 825 35 100
ELI LILLY & CO. COM 532457108 615 9150 SH SOLE 8450 700
ELI LILLY & CO. COM 532457108 6 100 SH DEFINED 100
LUCENT TECHNOLOGIES COM 549463107 3373 45091 SH SOLE 44056 1035
LUCENT TECHNOLOGIES COM 549463107 462 6177 SH DEFINED 3958 1769 450
MBNA CORPORATION COM 55262L100 2552 93683 SH SOLE 91648 2035
MBNA CORPORATION COM 55262L100 217 7983 SH DEFINED 7321 362 300
MCI WORLDCOM INC COM 55268B106 1464 18455 SH SOLE 13205 5250
MCI WORLDCOM INC COM 55268B106 93 1182 SH DEFINED 361 821
MARRIOTT INTERNATIONAL INC. CL COM 571903202 481 15604 SH SOLE 15604
MARRIOTT INTERNATIONAL INC. CL COM 571903202 67 2175 SH DEFINED 175 1600 400
MEDIAONE GROUP INC COM COM 58440J104 122 1600 SH SOLE 1600
MEDIAONE GROUP INC COM COM 58440J104 177 2324 SH DEFINED 1324 800 200
MERCANTILE BANKSHARES CORP COM 587405101 617 19283 SH SOLE 19283
MERCK & CO.,INC. COM 589331107 3128 46130 SH SOLE 46055 75
MERCK & CO.,INC. COM 589331107 217 3205 SH DEFINED 3055 150
MICROSOFT CORP. COM 594918104 7333 62349 SH SOLE 59229 3120
MICROSOFT CORP. COM 594918104 769 6545 SH DEFINED 5345 1200
MINNESOTA MINING AND MFG CO COM 604059105 159 1660 SH SOLE 1660
MINNESOTA MINING AND MFG CO COM 604059105 279 2900 SH DEFINED 1600 500 800
MORGAN STANLEY DEAN WITTER DIS COM 617446448 1391 9852 SH SOLE 9852
MORGAN STANLEY DEAN WITTER DIS COM 617446448 9 65 SH DEFINED 65
NORFOLK SOUTHERN CORP. COM 655844108 295 14300 SH SOLE 14300
ORACLE CORP. COM 68389X105 251 2262 SH SOLE 1937 325
ORACLE CORP. COM 68389X105 16 150 SH DEFINED 150
PEPSICO INC COM 713448108 732 20625 SH SOLE 20325 300
PEPSICO INC COM 713448108 154 4350 SH DEFINED 2750 1600
PFIZER INC COM 717081103 1136 34757 SH SOLE 34757
PFIZER INC COM 717081103 57 1750 SH DEFINED 1450 300
PHILIP MORRIS COMPANIES, INC. COM 718154107 431 18235 SH SOLE 17735 500
PHILIP MORRIS COMPANIES, INC. COM 718154107 53 2245 SH DEFINED 2070 50 125
PROCTOR AND GAMBLE CO COM 742718109 2447 22330 SH SOLE 22155 175
PROCTOR AND GAMBLE CO COM 742718109 149 1360 SH DEFINED 1235 25 100
PROVIDIAN FINANCIAL CORP. COM 74406A102 301 3362 SH SOLE 3362
RELIANT ENERGY INC COM 75952J108 718 31420 SH SOLE 31370 50
RELIANT ENERGY INC COM 75952J108 14 640 SH DEFINED 490 75 75
ROYAL DUTCH PETROLEUM COMPANY COM 780257804 287 4765 SH SOLE 4765
ROYAL DUTCH PETROLEUM COMPANY COM 780257804 31 530 SH DEFINED 405 125
SBC COMMUNICATIONS INC. COM 78387G103 994 20859 SH SOLE 20859
SBC COMMUNICATIONS INC. COM 78387G103 388 8145 SH DEFINED 7356 789
SARA LEE CORP. COM 803111103 433 19485 SH SOLE 19285 200
SARA LEE CORP. COM 803111103 47 2125 SH DEFINED 525 75 1525
SPRINT CORPORATION COM 852061100 1849 27530 SH SOLE 27490 40
SPRINT CORPORATION COM 852061100 197 2945 SH DEFINED 2350 45 550
SPRINT CORP SERIES I PCS COM 852061506 147 1440 SH SOLE 1440
SPRINT CORP SERIES I PCS COM 852061506 68 669 SH DEFINED 532 137
STAPLES INCORPORATED COM 855030102 230 11097 SH SOLE 11097
STAPLES INCORPORATED COM 855030102 10 502 SH DEFINED 352 150
SUN MICROSYSTEMS COM 866810104 8797 112157 SH SOLE 107937 4220
SUN MICROSYSTEMS COM 866810104 515 6570 SH DEFINED 5070 300 1200
SUNTRUST BANK INC. COM 867914103 472 6864 SH SOLE 6864
SUNTRUST BANK INC. COM 867914103 10 150 SH DEFINED 150
TEXACO INC. COM 881694103 525 9760 SH SOLE 9560 200
TEXACO INC. COM 881694103 99 1850 SH DEFINED 1250 600
TYCO INTERNATIONAL LTD COM 902124106 699 18600 SH SOLE 18600
TYCO INTERNATIONAL LTD COM 902124106 12 325 SH DEFINED 325
U S WEST INC (NEW) COMMON COM 91273H101 740 10551 SH SOLE 10551
U S WEST INC (NEW) COMMON COM 91273H101 137 1954 SH DEFINED 1428 321 205
UNITED TECHNOLOGIES, INC. COM 913017109 216 3375 SH SOLE 3375
UNITED TECHNOLOGIES, INC. COM 913017109 23 360 SH DEFINED 360
UNIVERSAL CORPORATION COM 913456109 266 11600 SH SOLE 11600
VODAFONE GROUP PLC ADR COM 92857T107 393 7825 SH SOLE 7825
VODAFONE GROUP PLC ADR COM 92857T107 53 1070 SH DEFINED 400 670
WAL-MART STORES COM 931142103 1096 16170 SH SOLE 14670 1500
WAL-MART STORES COM 931142103 6 100 SH DEFINED 50 50
WARNER LAMBERT CO COM 934488107 474 5735 SH SOLE 5735
WARNER LAMBERT CO COM 934488107 677 8188 SH DEFINED 8188
WELLS FARGO & COMPANY NEW COM 949746101 506 12476 SH SOLE 12476
WELLS FARGO & COMPANY NEW COM 949746101 14 350 SH DEFINED 250 100
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