13F-HR
12/31/00
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: 12/31/00
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: PORTFOLIO MANAGER
Phone: 301-624-4240
Signature, Place, and Date of Signing:
Ralph A Mazza, MD JANUARY 02, 2001
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.
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 181
Form 13F Information Table Entry Total: $148,042
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 1014 59898 SH SOLE 59348 550
AT&T CORP. COM 001957109 115 6831 SH DEFINED 3347 3027 457
ABBOTT LABORATORIES COM 002824100 476 9825 SH SOLE 9825
ABBOTT LABORATORIES COM 002824100 56 1175 SH DEFINED 325 850
AEGON N.V. - ARS COM 007924103 243 5900 SH SOLE 5900
AGILENT TECHNOLOGIES INC. COM 00846U101 553 10001 SH SOLE 10001
AGILENT TECHNOLOGIES INC. COM 00846U101 72 1309 SH DEFINED 1104 5 200
ALLEGHENY ENERGY INC. COM 017361106 182 3850 SH SOLE 3850
ALLEGHENY ENERGY INC. COM 017361106 93 1975 SH DEFINED 1975
AMERICAN EXPRESS COM 025816109 206 3825 SH SOLE 3825
AMERICAN GENERAL CORP. COM 026351106 121 1475 SH SOLE 1475
AMERICAN GENERAL CORP. COM 026351106 98 1200 SH DEFINED 1200
AMERICAN HOME PRODUCTS CORP COM 026609107 1028 16019 SH SOLE 15769 250
AMERICAN HOME PRODUCTS CORP COM 026609107 341 5325 SH DEFINED 3950 50 1325
AMERICAN INTERNATIONAL GROUP COM 026874107 4851 48972 SH SOLE 48465 507
AMERICAN INTERNATIONAL GROUP COM 026874107 599 6048 SH DEFINED 5315 46 687
AMGEN INC. COM 031162100 1333 20070 SH SOLE 20070
AMGEN INC. COM 031162100 19 290 SH DEFINED 290
APPLIED MATERIAL INC. COM 038222105 412 10450 SH SOLE 10450
APPLIED MATERIAL INC. COM 038222105 11 290 SH DEFINED 215 75
AUTOMATIC DATA PROCESSING COM 053015103 1504 23735 SH SOLE 23705 30
AUTOMATIC DATA PROCESSING COM 053015103 80 1265 SH DEFINED 615 650
BP AMOCO PLC SPONSORED ADR COM 055622104 1383 28383 SH SOLE 27809 574
BP AMOCO PLC SPONSORED ADR COM 055622104 917 18825 SH DEFINED 18209 41 575
BMC SOFTWARE COM 055921100 544 37700 SH SOLE 37700
BMC SOFTWARE COM 055921100 15 1100 SH DEFINED 700 400
BANK OF AMERICA CORP COM 060505104 1652 35303 SH SOLE 34466 837
BANK OF AMERICA CORP COM 060505104 478 10230 SH DEFINED 9930 300
BELL SOUTH CORPORATION COM 079860102 704 17400 SH SOLE 17000 400
BELL SOUTH CORPORATION COM 079860102 356 8802 SH DEFINED 5220 3582
BIOGEN COM 090597105 1465 23850 SH SOLE 23835 15
BIOGEN COM 090597105 43 705 SH DEFINED 540 15 150
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 4105 56050 SH SOLE 55875 175
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 493 6740 SH DEFINED 4765 125 1850
BURLINGTON RESOURCES INC COM 122014103 649 12395 SH SOLE 12395
BURLINGTON RESOURCES INC COM 122014103 5 100 SH DEFINED 100
CIGNA CORPORATION COM 125509109 1657 12280 SH SOLE 12255 25
CIGNA CORPORATION COM 125509109 81 600 SH DEFINED 525 75
CAPITAL ONE FINANCIAL CORP. COM 14040H105 278 4243 SH SOLE 4243
CARNIVAL CRUISE LINES, INC. CL COM 143658102 1652 54180 SH SOLE 53685 495
CARNIVAL CRUISE LINES, INC. CL COM 143658102 41 1360 SH DEFINED 1085 50 225
CHASE MANHATTAN CORP. COM 16161A108 1831 39026 SH SOLE 38801 225
CHASE MANHATTAN CORP. COM 16161A108 121 2579 SH DEFINED 1455 59 1065
CHEVRON CORP. COM 166751107 1732 20205 SH SOLE 20105 100
CHEVRON CORP. COM 166751107 115 1350 SH DEFINED 1025 50 275
CISCO SYSTEMS INC. COM 17275R102 3994 100974 SH SOLE 100704 270
CISCO SYSTEMS INC. COM 17275R102 307 7785 SH DEFINED 5185 430 2170
CITIGROUP INC. COM 172967101 4734 92378 SH SOLE 92230 148
CITIGROUP INC. COM 172967101 121 2376 SH DEFINED 1894 149 333
THE COASTAL CORPORATION COM 190441105 303 3380 SH SOLE 3380
THE COASTAL CORPORATION COM 190441105 4 50 SH DEFINED 50
COCA-COLA COMPANY COM 191216100 2546 41698 SH SOLE 40698 1000
COCA-COLA COMPANY COM 191216100 429 7030 SH DEFINED 1280 5575 175
COMPUTER SCIENCES CORP. COM 205363104 871 14373 SH SOLE 14248 125
COMPUTER SCIENCES CORP. COM 205363104 40 675 SH DEFINED 575 50 50
CONSTELLATION ENERGY GROUP INC COM 210371100 240 5413 SH SOLE 5413
CONSTELLATION ENERGY GROUP INC COM 210371100 161 3630 SH DEFINED 2800 500 330
DELL COMPUTER COM 247025109 396 22090 SH SOLE 22090
DELL COMPUTER COM 247025109 17 950 SH DEFINED 750 200
WALT DISNEY HOLDING CO. COM 254687106 3105 108000 SH SOLE 107285 715
WALT DISNEY HOLDING CO. COM 254687106 137 4770 SH DEFINED 3705 125 940
DOMINION RESOURCES INC COM 25746U109 594 8880 SH SOLE 8855 25
DOMINION RESOURCES INC COM 25746U109 25 375 SH DEFINED 375
DOW CHEMICAL CO COM 260543103 1557 41195 SH SOLE 40545 650
DOW CHEMICAL CO COM 260543103 81 2160 SH DEFINED 1130 30 1000
E.I. DUPONT DE NEMOURS COM 263534109 1153 23391 SH SOLE 23141 250
E.I. DUPONT DE NEMOURS COM 263534109 303 6160 SH DEFINED 5665 40 455
E M C CORPORATION COM 268648102 512 7480 SH SOLE 7480
E M C CORPORATION COM 268648102 49 715 SH DEFINED 685 30
EMERSON ELECTRIC COM 291011104 147 1875 SH SOLE 1675 200
EMERSON ELECTRIC COM 291011104 63 800 SH DEFINED 800
EQUIFAX INCORPORATED COM 294429105 156 5395 SH SOLE 4845 550
EQUIFAX INCORPORATED COM 294429105 75 2615 SH DEFINED 565 2050
L M ERICSSON TELEPHONE CO ADR COM 294821400 206 18490 SH SOLE 17050 1440
L M ERICSSON TELEPHONE CO ADR COM 294821400 10 930 SH DEFINED 830 100
EXXON MOBIL CORP. COM 30231G102 5289 60886 SH SOLE 59451 1435
EXXON MOBIL CORP. COM 30231G102 969 11163 SH DEFINED 5488 4450 1225
F & M BANCORP COM 302367107 2307 110884 SH SOLE 110217 667
F & M BANCORP COM 302367107 365 17558 SH DEFINED 15058 2500
FCNB CORP. COM 302920103 325 11826 SH SOLE 11826
FEDERAL HOME LOAN MORTGAGE COM 313400301 220 3195 SH SOLE 3195
FEDERAL HOME LOAN MORTGAGE COM 313400301 51 750 SH DEFINED 750
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 2149 24705 SH SOLE 24630 75
FEDERAL NATIONAL MORTGAGE ASSO COM 313586109 78 905 SH DEFINED 355 50 500
FORD MOTOR COMPANY-NEW COM 345370860 1798 74161 SH SOLE 73859 302
FORD MOTOR COMPANY-NEW COM 345370860 64 2650 SH DEFINED 2242 86 322
GPU INC COM 36225X100 434 11770 SH SOLE 11695 75
GPU INC COM 36225X100 11 320 SH DEFINED 305 15
GENERAL ELECTRIC CO COM 369604103 8199 169284 SH SOLE 166259 3025
GENERAL ELECTRIC CO COM 369604103 1838 37950 SH DEFINED 23465 11100 3385
GENERAL MOTORS CORP COM 370442105 707 13950 SH SOLE 13845 105
GENERAL MOTORS CORP COM 370442105 17 340 SH DEFINED 275 15 50
GILLETTE CO COM 375766102 1883 52310 SH SOLE 52060 250
GILLETTE CO COM 375766102 76 2125 SH DEFINED 1850 75 200
GLAXOSMITHKLINE PLC SPONSORED COM 37733W105 509 8960 SH SOLE 8960
GLAXOSMITHKLINE PLC SPONSORED COM 37733W105 8 142 SH DEFINED 28 114
H.J. HEINZ CO. COM 423074103 1096 23019 SH SOLE 22419 600
H.J. HEINZ CO. COM 423074103 36 775 SH DEFINED 625 150
HEWLETT-PACKARD CO COM 428236103 2032 62645 SH SOLE 62520 125
HEWLETT-PACKARD CO COM 428236103 256 7910 SH DEFINED 6330 30 1550
THE HOME DEPOT, INC. COM 437076102 1193 27347 SH SOLE 24774 2573
THE HOME DEPOT, INC. COM 437076102 93 2138 SH DEFINED 1023 15 1100
INTEL CORPORATION COM 458140100 4582 148125 SH SOLE 142595 5530
INTEL CORPORATION COM 458140100 582 18825 SH DEFINED 14635 3270 920
INTERNATIONAL BUSINESS MACHINE COM 459200101 1507 17682 SH SOLE 13538 4144
INTERNATIONAL BUSINESS MACHINE COM 459200101 24 285 SH DEFINED 160 125
INTERNATIONAL PAPER CO. COM 460146103 875 20635 SH SOLE 20635
INTERNATIONAL PAPER CO. COM 460146103 25 605 SH DEFINED 440 25 140
JOHNSON & JOHNSON COM 478160104 3320 31700 SH SOLE 31100 600
JOHNSON & JOHNSON COM 478160104 400 3821 SH DEFINED 3371 50 400
JOHNSON CTLS INC COM 478366107 1491 28110 SH SOLE 28110
JOHNSON CTLS INC COM 478366107 54 1025 SH DEFINED 840 60 125
ELI LILLY & CO. COM 532457108 274 3000 SH SOLE 2300 700
ELI LILLY & CO. COM 532457108 9 100 SH DEFINED 100
LUCENT TECHNOLOGIES COM 549463107 613 46729 SH SOLE 46291 438
LUCENT TECHNOLOGIES COM 549463107 81 6212 SH DEFINED 3733 2029 450
MBNA CORPORATION COM 55262L100 3406 93018 SH SOLE 91168 1850
MBNA CORPORATION COM 55262L100 257 7039 SH DEFINED 6614 100 325
MARRIOTT INTERNATIONAL INC. CL COM 571903202 531 12725 SH SOLE 12725
MARRIOTT INTERNATIONAL INC. CL COM 571903202 83 2000 SH DEFINED 1600 400
MC CORMICK & CO. - NON-VOTING COM 579780206 431 11498 SH SOLE 11498
MERCANTILE BANKSHARES CORP COM 587405101 801 18064 SH SOLE 18064
MERCK & CO.,INC. COM 589331107 4283 45205 SH SOLE 45065 140
MERCK & CO.,INC. COM 589331107 301 3180 SH DEFINED 3005 25 150
MICROSOFT CORP. COM 594918104 3075 69017 SH SOLE 67967 1050
MICROSOFT CORP. COM 594918104 289 6500 SH DEFINED 5165 25 1310
MINNESOTA MINING AND MFG CO COM 604059105 184 1514 SH SOLE 1514
MINNESOTA MINING AND MFG CO COM 604059105 332 2725 SH DEFINED 1450 500 775
MORGAN STANLEY DEAN WITTER & C COM 617446448 2079 26194 SH SOLE 26144 50
MORGAN STANLEY DEAN WITTER & C COM 617446448 75 945 SH DEFINED 795 150
MOTOROLA, INC. COM 620076109 243 11676 SH SOLE 10815 861
MOTOROLA, INC. COM 620076109 14 700 SH DEFINED 700
NISOURCE INC. COM 65473P105 388 12495 SH SOLE 12495
NISOURCE INC. COM 65473P105 6 203 SH DEFINED 121 23 59
NOKIA CORPORATION COM 654902204 682 15625 SH SOLE 15625
NOKIA CORPORATION COM 654902204 29 685 SH DEFINED 425 60 200
ORACLE CORPORATION COM 68389X105 244 7880 SH SOLE 7748 132
ORACLE CORPORATION COM 68389X105 12 400 SH DEFINED 400
PEPSICO INC COM 713448108 634 13025 SH SOLE 10835 2190
PEPSICO INC COM 713448108 190 3900 SH DEFINED 2300 1600
PERKINELMER INC. COM 714046109 228 2100 SH SOLE 2100
PFIZER INC COM 717081103 2114 46226 SH SOLE 45711 515
PFIZER INC COM 717081103 1107 24204 SH DEFINED 23904 300
PROCTOR AND GAMBLE CO COM 742718109 2155 27903 SH SOLE 27753 150
PROCTOR AND GAMBLE CO COM 742718109 45 585 SH DEFINED 445 40 100
PROVIDIAN FINANCIAL CORP. COM 74406A102 356 6724 SH SOLE 6724
QWEST COMMUNICATION INTERNATIO COM 749121109 921 22849 SH SOLE 22808 41
QWEST COMMUNICATION INTERNATIO COM 749121109 136 3375 SH DEFINED 2466 555 354
RELIANT ENERGY INC COM 75952J108 1086 24910 SH SOLE 24835 75
RELIANT ENERGY INC COM 75952J108 27 640 SH DEFINED 615 25
SBC COMMUNICATIONS INC. COM 78387G103 814 17289 SH SOLE 16365 924
SBC COMMUNICATIONS INC. COM 78387G103 402 8537 SH DEFINED 6606 1931
SARA LEE CORP. COM 803111103 177 7175 SH SOLE 6925 250
SARA LEE CORP. COM 803111103 36 1475 SH DEFINED 225 50 1200
SOUTHERN CO COM 842587107 202 6073 SH SOLE 6073
SOUTHERN CO COM 842587107 16 500 SH DEFINED 500
SPRINT CORPORATION COM 852061100 682 33805 SH SOLE 33765 40
SPRINT CORPORATION COM 852061100 22 1135 SH DEFINED 475 35 625
SUN MICROSYSTEMS COM 866810104 5711 197385 SH SOLE 197105 280
SUN MICROSYSTEMS COM 866810104 343 11860 SH DEFINED 8970 650 2240
SUNTRUST BANK INC. COM 867914103 204 3204 SH SOLE 3204
TARGET CORP COM 87612E106 1344 42013 SH SOLE 41513 500
TARGET CORP COM 87612E106 66 2090 SH DEFINED 1740 130 220
TEXACO INC. COM 881694103 495 7960 SH SOLE 7460 500
TEXACO INC. COM 881694103 102 1650 SH DEFINED 1050 600
TYCO INTERNATIONAL LTD COM 902124106 1663 29935 SH SOLE 29885 50
TYCO INTERNATIONAL LTD COM 902124106 40 725 SH DEFINED 625 100
UNITED TECHNOLOGIES, INC. COM 913017109 272 3463 SH SOLE 3240 223
UNITED TECHNOLOGIES, INC. COM 913017109 173 2200 SH DEFINED 2200
UNIVERSAL CORPORATION COM 913456109 416 11600 SH SOLE 11600
VERIZON COMMUNICATIONS COM 92343V104 3021 61732 SH SOLE 61000 732
VERIZON COMMUNICATIONS COM 92343V104 465 9507 SH DEFINED 7642 965 900
VIACOM INC. CLASS B COM 925524308 212 4476 SH SOLE 4476
VODAFONE GROUP PLC COM 92857W100 251 7355 SH SOLE 7045 310
VODAFONE GROUP PLC COM 92857W100 44 1285 SH DEFINED 275 1010
WAL-MART STORES COM 931142103 1005 18995 SH SOLE 18970 25
WAL-MART STORES COM 931142103 12 240 SH DEFINED 175 15 50
WELLS FARGO & COMPANY NEW COM 949746101 954 17116 SH SOLE 17116
WELLS FARGO & COMPANY NEW COM 949746101 50 900 SH DEFINED 800 100
WORLDCOM INC COM 98157D106 196 14111 SH SOLE 14111
WORLDCOM INC COM 98157D106 8 612 SH DEFINED 112 500
</TABLE>
