PEOPLES BANCORP INC
SC 13G/A, 2000-01-28
STATE COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                                     OMB Approval
                                                     OMB Number:   3235-0145
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                                  SCHEDULE 13G


                    Under the Securities Exchange Act of 1934
                               (Amendment No. 2)*

                              Peoples Bancorp Inc.
                             ----------------------
                                (Name of Issuer)

                                  Common Stock
                         ------------------------------
                         (Title of Class of Securities)

                                    709789101
                                  -------------
                                  CUSIP Number



Check the following box if a fee is being paid with this statement ___. (A fee
is not required only if the filing person: (1) has a previous statement on file
reporting beneficial ownership of more than five percent of the class of
securities described in Item 1; and (2) has filed no amendment subsequent
thereto reporting beneficial ownership of five percent to less of such class.)
(See Rule 13d-7).

*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).

SEC 1745 (292)



                            CUSIP No. 709789 10 1 13G


1.       NAME OF REPORTING PERSON
         S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON

               The Peoples Banking and Trust CompanY


2.       CHECK THE APPROPRIATE BOX IS A MEMBER OF A GROUP*

                N/A                    (a) ___
                                       (b) ___

3.       SEC USE ONLY


4.       CITIZENSHIP OR PLACE OF ORGANIZATION

               Ohio


  NUMBER OF          5.       SOLE VOTING POWER
  SHARES
  BENEFICIALLY                  329,466 Shares*
  OWNED BY
  EACH               6.      SHARED VOTING POWER
  WITH
                                803,712 Shares*

                     7.      SOLE DISPOSITIVE POWER

                                229,848 Shares*

                     8.      SHARED DISPOSITIVE POWER

                                903,330 Shares*

             *The reporting person, and the officers and directors of
              of the reporting person, disclaim beneficial ownership
              of all of these shares.

9.       AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON.

         1,133,178

10.      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES*

         N/A

11.      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9

         18%

12.      TYPE OF REPORTING PERSON*


                      *SEE INSTRUCTION BEFORE FILLING OUT!


     Item 1(a).     Name of Issuers.
     ----------     ----------------
                    Peoples Bancorp Inc.

     Item 1 (b).    Address of Issuer's Principal Executive Offices.
     -----------    ------------------------------------------------
                    P.O. Box 738
                    Marietta, Ohio 45750

     Item 2(a).     Names of Person Filing.
     ----------     -----------------------
                    The Peoples Banking and Trust Company

     Item 2(b).     Address of Principal Business Office or, if none, Residence.
     ----------     ------------------------------------------------------------
                    P.O. Box 738
                    Marietta, Ohio 45750

     Item 2(c).     Citizenship.
     ----------     ------------
                    Ohio


     Item 2(d).     Title of Class of Securities.
     ----------     -----------------------------
                    Common Stock

     Item 2(e).     CUSIP Number.
     ----------     -------------
                    709789 10 1

     Item 3.
     -------
                    The reporting person is a bank as defined in section 3(a)
                    (6) of the Securities Exchange Act of 1934, as amended.

     Item 4.        Ownership.
     -------        ----------
                    (a)   Amount beneficially owned:        1,133,178

                    (b)   Percent of Class:                       18%

                    (c) Number of shares as to which such person has:

                         (i) Sole power to vote or to direct the vote:

                                    329,466

                        (ii) Shared power to vote or to direct the vote:

                                    803,712

                       (iii) Sole power to dispose or to direct the
                             disposition of:

                                    229,848

                        (iv) Shared power to dispose or to direct the
                             disposition of:

                                   903,330

                    (1)  The reporting person, and the officers and directors of
                         the reporting person, disclaim beneficial ownership of
                         these shares.

                    (2)  Based upon a total of 6,391,867 issued and outstanding
                         shares.

     Item 5.        Ownership of 5% or Less of a Class.
     -------        -----------------------------------
                    Not Applicable.

     Item 6.        Ownership of More than 5% on Behalf of Another Person.
     -------        ------------------------------------------------------
                    Certain of the trusts in which shares of the issuer are
                    invested and for which the reporting person is Trustee
                    provide for the grantor and/or beneficiaries to share in
                    the direction of the dividends and proceeds from the sale
                    of issuer securities. No individual trust holds more than
                    5% of the total issued and outstanding shares of the issuer.

     Item 7.        Identification and Classification of the Subsidiary Which
     -------        Acquired the Security Being Reported on by the Parent
                    Holding Company.
                    ---------------------------------------------------------
                    Not Applicable.

     Item 8.        Identification and Classification of Members of the Group.
     -------        ----------------------------------------------------------
                    Not Applicable.

     Item 9.        Notice of Dissolution of Group.
     -------        -------------------------------
                    Not Applicable.

     Item 10.       Certification.
     --------       --------------

                    By signing below I certify that, to the best of my knowledge
                    and belief, the securities referred to above were acquired
                    in the ordinary course of business and were not acquired
                    for the purpose of and do not have the effect of changing
                    or influencing the control of the issuer of such securities
                    and were not acquired in connection with or as a participant
                    in any transaction having such purposes or effect.

                                        Signature
                                        ---------

After reasonable inquiry and to the best of my knowledge and belief, I certify
that the information set forth in this statement is true complete and correct.

                           The Peoples Banking and Trust Company

                           By:/s/     ROSE N. NARDI
                                ----------------------
                   Print Name:        Rose N. Nardi
                                ----------------------

                          Its:  Vice President and Chief Investment Officer
                                -------------------------------------------

Dated:  As of January 27, 2000



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