UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: September 30, 1999
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: First Commonwealth Financial Corporation
Address: 22 North Sixth Street
Indiana, PA, 15701
Form 13F File Number:28-_________
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 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: John J. Dolan
Title: Senior Executive Vice President and Chief Financial Officer
Phone: (724) 349-7220
Signature,Place, and Date of Signing:
/s/John J. Dolan, Indiana, PA, November 15, 1999
Report Type(check only one) :
[x] 13F HOLDINGS REPORT (Check here if all holdings of this reporting
manager are reported in this report
[ ] 13F NOTICE (Check here if no holdings reported are in this report,
and all holdings are reported by other reporting manager(s))
[ ] 13F COMBINATION REPORT (Check here if a portion of the holdings
for this reporting manager are reported in this report and a
portion are reported by other reporting manager(s).)
<PAGE>
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 1
Form 13F Information Table Entry Total:542
Form 13F Information Table Value Total: $260,502 (thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is
filed, other than the manager filing this report.
Number: 1
Form 13F File Number:__________
Name: First Commonwealth Trust Company
<PAGE>
<TABLE>
FORM 13F INFORMATION TABLE
<CAPTION>
COLUMN 1 COL 2 COL 3 COL 4 COLUMN 5 COL 6 COL 7 COLUMN 8
TITLE MARKET
OF VALUE SHS OR SH/ PUT/INVESTMEN OTHER VOTING AUTHORITY
ISSUER CLASS CUSIP (X$1000 PRN AMT PRN CALLDISCRETIOMANAGERS SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
1838 BD-DEB TRADING FD Common 282520105 8 500 SH DEFINED 1 0 500 0
ABN AMBRO HLDG NV SPONSORED ADR 000937102 39 1,756 SH DEFINED 1 1,756 0 0
AETNA INC Common 008117103 1 22 SH DEFINED 1 0 22 0
AGCO CORPORATION Common 001084102 37 2,900 SH DEFINED 1 0 0 2,900
ALBERTSONS INC Common 013104104 37 950 SH OTHER 1 950 0 0
ALBERTSONS INC Common 013104104 52 1,330 SH DEFINED 1 1,330 0 0
ALCOA INC Common 013817101 152 2,450 SH DEFINED 1 2,350 100 0
ALCOA INC Common 013817101 117 1,900 SH OTHER 1 1,900 0 0
ALCOA INC. Common 013817101 137 2,200 SH OTHER 1 300 0 1,900
ALCOA INC. Common 013817101 840 13,536 SH DEFINED 1 11,086 0 2,450
ALLEGHENY ENERGY INC Common 017361106 253 7,940 SH DEFINED 1 3,340 0 4,600
ALLEGHENY ENERGY INC Common 017361106 113 3,544 SH OTHER 1 0 0 3,544
ALLEGHENY ENERGY INC Common 017361106 112 3,544 SH OTHER 1 2,200 1,344 0
ALLEGHENY ENERGY INC Common 017361106 146 4,600 SH DEFINED 1 2,300 2,300 0
ALLEGHENY TELEDYNE INC Common 017415100 203 12,000 SH OTHER 1 0 0 12,000
ALLEGHNEY TELEDYNE INC Common 017415100 202 12,000 SH OTHER 1 12,000 0 0
ALLSTATE CORP Common 020002101 107 4,308 SH DEFINED 1 1,550 2,758 0
ALLSTATE CORP Common 020002101 258 10,350 SH DEFINED 1 7,350 0 3,000
ALLSTATE CORP Common 020002101 156 6,262 SH OTHER 1 500 0 5,762
ALLSTATE CORP Common 0200021015 143 5,762 SH OTHER 1 5,762 0 0
ALLTEL CORP Common 020039103 536 7,630 SH DEFINED 1 5,584 2,046 0
ALLTEL CORP Common 020039103 1,007 14,315 SH OTHER 1 5,399 8,916 0
ALLTEL CORP Common 020039103 537 7,630 SH DEFINED 1 0 0 7,630
ALLTEL CORP Common 020039103 1,043 14,815 SH OTHER 1 500 0 14,315
ALLTEL CORP PFD D CV $2.25020039103 405 3,821 SH DEFINED 1 3,821 0 0
ALLTEL CORP PFD D CV $2.25 Common 020039707 405 3,821 SH DEFINED 1 0 0 3,821
AMBAC FINANCIAL GROUP PFD PFD 7.08% 023139306 17 800 SH DEFINED 1 800 0 0
AMERICAN EXPRESS CO Common 025816109 366 2,714 SH DEFINED 1 650 0 2,064
AMERICAN EXPRESS CO Common 025816109 278 2,064 SH DEFINED 1 2,064 0 0
AMERICAN HOME PRODS CORP Common 026609107 117 2,820 SH OTHER 1 2,820 0 0
AMERICAN HOME PRODS CORP Common 026609107 305 7,360 SH DEFINED 1 5,560 1,800 0
AMERICAN HOME PRODUCTS Common 026609107 461 11,110 SH DEFINED 1 3,750 0 7,360
AMERICAN HOME PRODUCTS Common 026609107 186 4,470 SH OTHER 1 1,650 0 2,820
AMERICAN INTERNATIONAL GROUP INC Common 026874107 38 437 SH OTHER 1 62 0 375
AMERICAN INTERNATIONAL GROUP INC Common 026874107 550 6,324 SH DEFINED 1 5,349 0 975
AMERICAN INTL GROUP INC Common 026874107 32 375 SH OTHER 1 375 0 0
AMERICAN INTL GROUP INC Common 026874107 106 1,224 SH DEFINED 1 1,162 62 0
AMERITECH CORP Common 030954101 242 3,632 SH DEFINED 1 1,232 0 2,400
AMERITECH CORP Common 030954101 14 208 SH OTHER 1 0 0 208
AMERITECH CORP NEW Common 030954101 13 208 SH OTHER 1 208 0 0
AMERITECH CORP NEW Common 030954101 311 4,664 SH DEFINED 1 2,400 2,264 0
ANHEUSER BUSCH COS INC Common 035229103 410 5,850 SH DEFINED 1 5,850 0 0
ANHEUSER BUSCH COS INC Common 035229103 49 700 SH OTHER 1 700 0 0
AON CORP Common 037389103 9 337 SH OTHER 1 0 337 0
ARMSTRONG WORLD INDS INC Common 042476101 35 800 SH DEFINED 1 0 800 0
ARNOLD INDS INC Common 042595108 13 1,100 SH DEFINED 1 0 0 1,100
ASSOCIATES FIRST CAP CORP CLASS A 046008108 18 524 SH DEFINED 1 0 524 0
ASSOCIATES FIRST CAP CORP CLASS A 046008108 11 312 SH OTHER 1 0 312 0
ATLANTIC RICHFIELD CO Common 048825103 308 3,484 SH DEFINED 1 3,384 100 0
ATLANTIC RICHFIELD CO Common 048825103 355 4,016 SH OTHER 1 4,016 0 0
ATLANTIC RICHFIELD COMPANY Common 048825103 1,102 12,440 SH DEFINED 1 8,956 0 3,484
ATLANTIC RICHFIELD COMPANY Common 048825103 400 4,516 SH OTHER 1 500 0 4,016
AT&T CORP Common 001957109 208 4,803 SH OTHER 1 3,897 906 0
AT&T CORP Common 001957109 832 19,145 SH DEFINED 1 11,061 6,629 1,455
AT&T CORP Common 001957109 248 5,702 SH OTHER 1 899 0 4,803
AT&T CORP Common 001957109 754 17,336 SH DEFINED 1 4,341 0 12,995
BANK OF AMERICA CORP Common 060505104 410 7,365 SH DEFINED 1 6,965 0 400
BANK OF AMERICA CORP Common 060505104 58 1,046 SH OTHER 1 800 0 246
BANK OF AMERICA CORP Common 060505104 22 400 SH DEFINED 1 400 0 0
BANK OF AMERICA CORP Common 060505104 13 246 SH OTHER 1 246 0 0
BANK ONE CORPORATION Common 06423A103 44 1,265 SH DEFINED 1 1,265 0 0
BELL ATLANTIC CORP Common 077853109 2,063 30,654 SH DEFINED 1 23,112 6,016 1,526
BELL ATLANTIC CORP Common 077853109 2,204 32,746 SH OTHER 1 3,340 0 29,406
BELL ATLANTIC CORP Common 077853109 2,922 43,407 SH DEFINED 1 14,385 0 29,022
BELL ATLANTIC CORP Common 077853109 2,138 31,766 SH OTHER 1 27,094 4,672 0
BELLSOUTH CORP Common 079860102 1,071 23,789 SH DEFINED 1 16,423 0 7,366
BELLSOUTH CORP Common 079860102 90 2,000 SH OTHER 1 2,000 0 0
BELLSOUTH CORP Common 079860102 484 10,766 SH DEFINED 1 4,850 4,000 1,916
BERKSHIRE SECURITIES Common 084991868 864 5,400 SH DEFINED 1 5,400 0 0
BESTFOODS Common 08658U101 154 3,176 SH OTHER 1 3,176 0 0
BIOCONTROL TECHNOLOGY INC Common 090586108 0 1,100 SH DEFINED 1 0 1,100 0
BIRTH CERTIFICATE 065997173 0 1 PRN OTHER 1 1 0 0
BLACK & DECKER Common 091797100 48 1,050 SH OTHER 1 0 0 1,050
BLACK & DECKER Common 091797100 384 8,400 SH DEFINED 1 6,100 0 2,300
BLACK & DECKER CORP Common 091797100 47 1,050 SH OTHER 1 1,050 0 0
BLACK & DECKER CORP Common 091797100 118 2,600 SH DEFINED 1 2,200 400 0
BLACKROCK INTERMEDIATE BOND CL A Common 091928325 96 10,563 SH OTHER 1 10,563 0 0
BOEING CO Common 097023105 74 1,736 SH DEFINED 1 1,600 0 136
BOEING CO Common 097023105 72 1,690 SH DEFINED 1 152 638 900
BOEING CO Common 097023105 127 2,980 SH OTHER 1 612 0 2,368
BOEING CO Common 097023105 100 2,368 SH OTHER 1 2,368 0 0
BP AMOCO P L C Common 055622104 117 1,059 SH OTHER 1 1,059 0 0
BP AMOCO P L C Common 055622104 543 4,898 SH DEFINED 1 4,004 0 894
BP AMOCO PLC SPONSORED ADR 055622104 99 894 SH DEFINED 1 894 0 0
BP PRUDHOE BAY ROYALTY TRUST 055630107 11 1,000 SH OTHER 1 0 0 1,000
BRISTOL MYERS SQUIB Common 110122108 1,127 16,690 SH DEFINED 1 13,400 0 3,290
BRISTOL MYERS SQUIB Common 110122108 69 1,018 SH OTHER 1 1,018 0 0
BRISTOL MYERS SQUIBB CO Common 110122108 289 4,290 SH DEFINED 1 1,790 1,900 600
BT FINANCIAL Common 055763106 4,120 155,500 SH DEFINED 155,500 0 0
CABLETRON SYSTEM Common 126920107 29 1,900 SH DEFINED 1 0 0 1,900
CAMPBELL SOUP CO Common 134429109 125 3,200 SH DEFINED 1 0 3,200 0
CANADIAN PETE LTD PREFERRED 9.75% 10-30-47136420403 12 500 SH OTHER 1 0 0 500
CATERPILLAR INC Common 149123101 338 6,165 SH DEFINED 1 4,865 0 1,300
CATERPILLAR INC Common 149123101 19 350 SH OTHER 1 250 0 100
CATERPILLAR INC DEL 149123101 71 1,300 SH DEFINED 1 1,250 50 0
CATERPILLAR INC DEL 149123101 5 100 SH OTHER 1 100 0 0
CBS CORPORATION Common 12490K107 186 4,030 SH DEFINED 1 0 0 4,030
CBS CORPORATION Common 12490K107 73 1,580 SH OTHER 1 1,580 0 0
CBS CORPORATION 12490K107 260 5,630 SH DEFINED 1 2,280 2,850 500
CHESTNUT STR EXCHANGE FD SH Common 166668103 351 1,000 SH OTHER 1 0 0 1,000
CHEVRON CORP Common 166751107 155 1,750 SH DEFINED 1 1,750 0 0
CHEVRON CORP Common 166751107 53 600 SH OTHER 1 0 0 600
CHEVRON CORPORATION Common 166751107 53 600 SH OTHER 1 0 600 0
CHURCH & DWIGHT INC Common 171340102 40 1,600 SH DEFINED 1 0 1,600 0
CISCO SYS INC Common 17275R102 68 1,000 SH OTHER 1 1,000 0 0
CISCO SYS INC Common 17275R102 327 4,770 SH DEFINED 1 4,070 700 0
CISCO SYSTEMS Common 17275R102 144 2,100 SH OTHER 1 1,100 0 1,000
CISCO SYSTEMS Common 17275R102 1,846 26,919 SH DEFINED 1 22,149 0 4,770
CITIGROUP CAP IV GTD TR PFD SECS 6.85% 17305J203 15 700 SH DEFINED 1 700 0 0
CITIGROUP INC Common 172967101 13 300 SH OTHER 1 0 0 300
CITIGROUP INC Common 172967101 13 300 SH OTHER 1 300 0 0
CITIGROUP INC Common 172967101 107 2,450 SH DEFINED 1 2,225 225 0
CITIGROUP INC Common 172967101 710 16,142 SH DEFINED 1 14,492 0 1,650
CITIGROUP INC 8.40% PFD PFD 8.40% 172967853 10 400 SH DEFINED 1 400 0 0
CLOROX CO DEL Common 189054109 45 1,200 SH DEFINED 1 0 0 1,200
CNB FINANCIAL CORP. Common 126128107 246 9,360 SH DEFINED 1 9,360 0 0
COASTAL CORP Common 190441105 12 300 SH DEFINED 1 300 0 0
COCA COLA CO Common 191216100 48 1,000 SH OTHER 1 1,000 0 0
COCA COLA CO Common 191216100 149 3,105 SH DEFINED 1 2,905 200 0
COCA COLA CO Common 191216100 58 1,200 SH OTHER 1 200 0 1,000
COCA COLA CO Common 191216100 204 4,233 SH DEFINED 1 1,528 0 2,705
COLGATE PALMOLIVE CO Common 194162103 183 4,000 SH DEFINED 1 0 4,000 0
COMMERCIAL NATIONAL Common 202217105 93 3,000 SH DEFINED 1 3,000 0 0
COMPAQ COMPUTER CORP Common 204493100 84 3,683 SH OTHER 1 1,283 0 2,400
COMPAQ COMPUTER CORP Common 204493100 654 28,600 SH DEFINED 1 23,500 0 5,100
CONECTIV INC Common 206829103 3 180 SH OTHER 1 180 0 0
CONECTIV INC Common 206829103 14 750 SH DEFINED 1 750 0 0
CONEXANT SYSTEMS INC Common 207142100 54 739 SH DEFINED 1 0 0 739
CONEXANT SYSTEMS INC Common 207142100 553 7,609 SH OTHER 1 1,344 0 6,265
CONEXANT SYSTEMS INC Common 207142100 455 6,265 SH OTHER 1 6,265 0 0
CONEXANT SYSTEMS INC Common 207142100 60 839 SH DEFINED 1 839 0 0
CONSECO FIN TRUST V PFD PFD 8.70% 20847D205 11 500 SH OTHER 1 0 0 500
CONSOLIDATED NAT GAS CO Common 209615103 24 400 SH OTHER 1 400 0 0
CONSOLIDATED NAT GAS CO Common 209615103 99 1,600 SH DEFINED 1 0 1,600 0
COOPER TIRE & RUBR CO Common 216831107 17 1,000 SH DEFINED 1 0 0 1,000
CORN PRODUCTS INTERNATIONAL Common 219023108 12 397 SH OTHER 1 397 0 0
CVS CORP 126650100 195 4,800 SH OTHER 1 4,800 0 0
CVS CORP Common 126650100 196 4,800 SH OTHER 1 0 0 4,800
CVS CORP Common 126650100 16 400 SH DEFINED 1 400 0 0
CYTEC INDS INC Common 232820100 10 426 SH DEFINED 1 0 426 0
DAIMLERCHRYSLER AG Common D1668R123 439 6,316 SH DEFINED 1 5,066 0 1,250
DAIMLERCHRYSLER AG Common D1668R123 70 1,012 SH OTHER 1 462 0 550
DAIMLERCHRYSLER AG Common D1668R123 38 550 SH OTHER 1 550 0 0
DAIMLERCHRYSLER AG Common D1668R123 86 1,250 SH DEFINED 1 1,200 50 0
DANA CORP Common 235811106 37 1,000 SH DEFINED 1 0 0 1,000
DANA CORP Common 235811106 9 252 SH OTHER 1 252 0 0
DARDEN RESTAURANTS INC Common 237194105 7 370 SH OTHER 1 370 0 0
DAYTON HUDSON CORP Common 239753106 48 800 SH OTHER 1 800 0 0
DAYTON HUDSON CORP Common 239753106 54 900 SH DEFINED 1 800 100 0
DAYTON HUDSON CORP Common 239753106 90 1,500 SH OTHER 1 700 0 800
DAYTON HUDSON CORP Common 239753106 751 12,500 SH DEFINED 1 11,600 0 900
DELL COMPUTER CORPORATION Common 247025109 135 3,240 SH DEFINED 1 3,240 0 0
DELPHI AUTOMOTIVE SYSTEMS Common 247126105 12 798 SH DEFINED 1 380 0 418
DELPHI AUTOMOTIVE SYSTEMS Common 247126105 32 2,008 SH OTHER 1 1,688 320 0
DEUTSCHE BANK A G ADR 251525309 45 700 SH DEFINED 1 700 0 0
DIASENSE INC Common 252834106 17 17,500 SH DEFINED 1 0 17,500 0
DIMON INC Common 254394109 7 2,000 SH OTHER 1 0 0 2,000
DISNEY WALT CO Common 254687106 48 1,850 SH OTHER 1 650 0 1,200
DISNEY WALT CO Common 254687106 456 17,520 SH DEFINED 1 13,620 0 3,900
DOVER CORP Common 260003108 204 5,000 SH DEFINED 1 4,800 0 200
DOW CHEMICAL COMPANY Common 260543103 89 782 SH OTHER 1 782 0 0
DOW CHEMICAL COMPANY Common 260543103 338 2,975 SH DEFINED 1 2,825 0 150
DOW CHEMICAL COMPANY Common 260543103 17 150 SH DEFINED 1 150 0 0
DQE INC Common 23329J104 17 452 SH OTHER 1 0 452 0
DQE INC Common 23329J104 45 1,155 SH DEFINED 1 30 600 525
DU PONT E I DE NEMOURS & CO Common 263534109 850 14,055 SH DEFINED 1 12,765 1,290 0
DU PONT E I DE NEMOURS & CO Common 263534109 326 5,400 SH OTHER 1 3,600 1,800 0
DUKE CAPITAL FINANCING TR II I 8.375% PFD 26439F201 15 600 SH DEFINED 1 600 0 0
DUPONT DE NEMOUR Common 263534109 1,139 18,821 SH DEFINED 1 2,456 0 16,365
DUPONT DE NEMOUR Common 263534109 169 2,800 SH OTHER 1 1,000 0 1,800
DUQUESNE LIGHT CO PFD 7.375% 266228840 9 400 SH DEFINED 1 400 0 0
DUQUESNE LT CO PFD 4% 266228402 0 20 SH DEFINED 1 20 0 0
DUQUESNE LT CO PFD 3.75% 266228303 1 40 SH OTHER 1 0 40 0
DUQUESNE LT CO PFD A $2.10 266228204 37 1,100 SH OTHER 1 1,100 0 0
EASTMAN CHEMICAL CO Common 277432100 8 222 SH DEFINED 1 122 100 0
EASTMAN CHEMICAL CO Common 277432100 16 426 SH OTHER 1 426 0 0
EASTMAN KODAK CO Common 277461109 262 3,465 SH OTHER 1 3,465 0 0
EASTMAN KODAK CO Common 277461109 105 1,389 SH DEFINED 1 689 400 300
EASTMAN KODAK CO. Common 277461109 277 3,665 SH OTHER 1 200 0 3,465
EASTMAN KODAK CO. Common 277461109 179 2,365 SH DEFINED 1 1,865 0 500
ELECTRONIC DATA SYS NEW Common 285661104 24 472 SH DEFINED 1 0 416 56
ELECTRONIC DATA SYS NEW Common 285661104 14 280 SH OTHER 1 280 0 0
EMBRYO DEVELOPMENT CORP Common 290818103 0 15,000 SH DEFINED 1 15,000 0 0
EMC CORPORATION MASS Common 268648102 35 500 SH OTHER 1 500 0 0
EMERSON ELEC CO Common 291011104 617 9,780 SH OTHER 1 9,780 0 0
EMERSON ELECTRIC CO. Common 291011104 618 9,780 SH OTHER 1 0 0 9,780
ENERGY EAST CORP Common 29266M109 47 2,000 SH DEFINED 1 0 2,000 0
ENERGY EAST CORP Common 29266M109 28 1,200 SH OTHER 1 1,200 0 0
ENERGYSEARCH 1983-C OIL & GAS INCOME P285997177 0 4 PRN OTHER 1 4 0 0
ENERGYSEARCH 1984-B INCOME 287997175 0 1 PRN OTHER 1 1 0 0
EQUITABLE RES INC Common 294549100 465 12,321 SH OTHER 1 12,321 0 0
EQUITABLE RESOURCES Common 294549100 466 12,321 SH OTHER 1 0 0 12,321
ERIE FAMILY LIFE INS CO Common 295242101 12 600 SH DEFINED 1 600 0 0
EXXON CORP Common 302290101 1,254 16,512 SH OTHER 1 15,044 1,468 0
EXXON CORP Common 302290101 955 12,568 SH DEFINED 1 10,718 450 1,400
EXXON CORPORATION Common 302290101 1,562 20,555 SH DEFINED 1 10,491 0 10,064
EXXON CORPORATION Common 302290101 1,666 21,916 SH OTHER 1 4,700 0 17,216
FEDERAL HOME LOAN MORTGAGE Common 313400301 62 1,200 SH DEFINED 1 1,200 0 0
FEDERAL NATIONAL MORTGAGE ASSOC Common 313586109 465 7,425 SH DEFINED 1 5,925 0 1,500
FEDERAL NATIONAL MORTGAGE ASSOC Common 313586109 50 800 SH OTHER 1 100 0 700
FEDERAL NATL MTG ASSN Common 313586109 43 700 SH OTHER 1 700 0 0
FEDERAL NATL MTG ASSN Common 313586109 119 1,900 SH DEFINED 1 1,200 700 0
FIRST COMMONWEALTH FINANCIAL CORPCommon 319829107 8,657 339,487 SH OTHER 1 32,895 0 306,592
FIRST COMMONWEALTH FINANCIAL CORPCommon 319829107 26,822 *********SH DEFINED 1 445,098 0 606,762
FIRST COMWLTH FINL CORP PA Common 319829107 15,472 606,762 SH DEFINED 1 600,847 5,915 0
FIRST COMWLTH FINL CORP PA Common 319829107 7,818 306,592 SH OTHER 1 241,836 53,324 11,432
FLUOR CORP Common 343861100 22 550 SH OTHER 1 550 0 0
FOOTSTAR INC-W/I 344912100 24 690 SH OTHER 1 690 0 0
FORD MOTOR COMPANY Common 345370100 77 1,526 SH OTHER 1 426 0 1,100
FORD MOTOR COMPANY 345370100 55 1,100 SH OTHER 1 500 600 0
FORD MOTOR COMPANY 345370100 195 3,900 SH DEFINED 1 2,800 1,100 0
FORD MOTOR COMPANY Common 345370100 499 9,928 SH DEFINED 1 7,328 0 2,600
FORTUNE BRANDS Common 349631101 93 2,900 SH OTHER 1 2,900 0 0
FORTUNE BRANDS Common 349631101 76 2,375 SH DEFINED 1 2,375 0 0
FORTUNE BRANDS INC Common 349631101 180 5,575 SH DEFINED 1 3,200 0 2,375
FORTUNE BRANDS INC Common 349631101 94 2,900 SH OTHER 1 0 0 2,900
FOSTER WHEELER PFD CAPITAL PFD 9.00% 9 30268420 11 500 SH OTHER 1 0 0 500
FPL GROUP INC Common 302571104 10 200 SH OTHER 1 200 0 0
FPL GROUP INC Common 302571104 305 6,050 SH DEFINED 1 5,350 0 700
FPL GROUP INC Common 302571104 60 1,200 SH OTHER 1 400 0 800
FPL GROUP INC Common 302571104 80 1,600 SH DEFINED 1 1,500 100 0
FULTON FINANCIAL Common 36027110 4,203 210,300 SH DEFINED 210,300 0 0
GA FINANCIAL Common 361437106 204 13,900 SH DEFINED 13,900 0 0
GALLAHER GROUP PLC ADR Common 363595109 79 2,900 SH OTHER 1 0 0 2,900
GALLAHER GROUP PLC ADR Common 363595109 136 5,000 SH DEFINED 1 3,200 0 1,800
GENERAL CARBIDE CLASS B 368002994 100 100,000 SH OTHER 1 0 ******* 0
GENERAL CARBIDE CORP 399997170 490 490,200 SH OTHER 1 490,200 0 0
GENERAL ELEC CO Common 369604103 3,820 32,225 SH DEFINED 1 28,525 3,600 100
GENERAL ELEC CO Common 369604103 6,979 58,870 SH OTHER 1 57,530 1,340 0
GENERAL ELECTRIC Common 369604103 4,135 34,875 SH DEFINED 1 19,350 0 15,525
GENERAL ELECTRIC Common 369604103 8,610 72,620 SH OTHER 1 1,550 0 71,070
GENERAL MILLS INC Common 370334104 249 3,070 SH OTHER 1 900 0 2,170
GENERAL MILLS INC Common 370334104 210 2,590 SH DEFINED 1 1,300 0 1,290
GENERAL MLS INC Common 370334104 104 1,290 SH DEFINED 1 1,290 0 0
GENERAL MLS INC Common 370334104 176 2,170 SH OTHER 1 2,170 0 0
GENERAL MOTORS CORP Common 370442105 229 3,642 SH OTHER 1 766 0 2,876
GENERAL MOTORS CORP Common 370442105 379 6,029 SH DEFINED 1 3,815 0 2,214
GENERAL MOTORS CORP CL H NEW 370442832 7 128 SH DEFINED 1 0 114 14
GENERAL MOTORS CORP CL H NEW 370442832 4 70 SH OTHER 1 70 0 0
GENERAL MTRS CORP Common 370442105 139 2,214 SH DEFINED 1 546 1,068 600
GENERAL MTRS CORP Common 370442105 180 2,876 SH OTHER 1 2,418 458 0
GEORGIA POWER CO PFD 6.875% 373334564 17 800 SH DEFINED 1 800 0 0
GEORGIA POWER COMPANY PFD 6.625% 3/31/39373334549 21 1,000 SH DEFINED 1 1,000 0 0
GILLETTE CO Common 375766102 76 2,250 SH OTHER 1 350 0 1,900
GILLETTE CO Common 375766102 132 3,915 SH DEFINED 1 2,815 1,100 0
GILLETTE CO Common 375766102 64 1,900 SH OTHER 1 1,900 0 0
GILLETTE CO Common 375766102 491 14,467 SH DEFINED 1 11,052 0 3,415
GTE CORP Common 362320103 391 5,091 SH DEFINED 1 4,391 700 0
GTE CORP Common 362320103 470 6,120 SH OTHER 1 6,020 100 0
GTE CORPORATION Common 362320103 741 9,635 SH DEFINED 1 5,144 0 4,491
GTE CORPORATION Common 362320103 528 6,870 SH OTHER 1 750 0 6,120
HEINZ H J CO Common 423074103 43 1,000 SH OTHER 1 1,000 0 0
HEINZ H J CO Common 423074103 347 8,075 SH DEFINED 1 750 7,325 0
HERCULES INC Common 427056106 42 1,500 SH DEFINED 1 0 1,500 0
HERSHEY FOODS CORP Common 427866108 97 2,000 SH DEFINED 1 0 2,000 0
HEWLETT PACKARD CO Common 428236103 72 800 SH DEFINED 1 0 0 800
HOME DEPOT INC Common 437076102 295 4,305 SH DEFINED 1 700 0 3,605
HOME DEPOT INC Common 437076102 247 3,605 SH DEFINED 1 3,605 0 0
HSBC HOLDINGS PLC SPONSORED Common 404280406 192 3,308 SH DEFINED 1 3,308 0 0
H. J. HEINZ COMPANY Common 423074103 250 5,805 SH DEFINED 1 3,430 0 2,375
H. J. HEINZ COMPANY Common 423074103 59 1,375 SH OTHER 1 375 0 1,000
ILLINOIS TOOL WKS INC Common 452308109 123 1,650 SH DEFINED 1 1,150 500 0
ILLINOIS TOOL WKS INC Common 452308109 14 200 SH OTHER 1 0 200 0
IMATION CORP Common 45245A107 2 74 SH DEFINED 1 74 0 0
ING GROEP NV SPONSORED ADR 456837103 38 695 SH DEFINED 1 695 0 0
INGERSOLL RAND CO Common 456866102 330 6,000 SH OTHER 1 0 0 6,000
INGERSOLL-RAND COMPANY Common 456866102 329 6,000 SH OTHER 1 6,000 0 0
INTEL CORP Common 458140100 238 3,200 SH OTHER 1 2,600 0 600
INTEL CORP Common 458140100 1,614 21,720 SH DEFINED 1 19,520 0 2,200
INTEL CORP Common 458140100 193 2,600 SH DEFINED 1 2,500 100 0
INTEL CORP Common 458140100 44 600 SH OTHER 1 600 0 0
INTERNATIONAL BUSINESS MACHS Common 459200101 242 2,000 SH DEFINED 1 400 1,600 0
INTERNATIONAL BUSINESS MACHS Common 459200101 1,696 14,020 SH OTHER 1 14,020 0 0
INTERNATIONAL PAPER CAP 7.875% 12-01-3460140205 12 500 SH OTHER 1 0 0 500
INTERNATIONAL PAPER CO Common 460146103 10 220 SH OTHER 1 220 0 0
INT'L BUSINESS MACHINES CORP Common 459200101 1,844 15,240 SH OTHER 1 1,220 0 14,020
INT'L BUSINESS MACHINES CORP Common 459200101 1,461 12,077 SH DEFINED 1 12,077 0 0
INTL FLAVORS FRAGRANCE Common 459506101 34 1,000 SH DEFINED 1 0 0 1,000
IRIS TECHNOLOGIES 455997171 185 185,000 SH OTHER 1 0 ******* 0
J P MORGAN & CO INC Common 616880100 79 700 SH DEFINED 1 700 0 0
JOHNSON & JOHNSON Common 478160104 701 7,625 SH DEFINED 1 6,115 0 1,510
JOHNSON & JOHNSON Common 478160104 498 5,420 SH OTHER 1 100 0 5,320
JOHNSON & JOHNSON Common 478160104 433 4,720 SH OTHER 1 4,520 200 0
JOHNSON & JOHNSON Common 478160104 267 2,910 SH DEFINED 1 2,110 0 800
JUNIATA VALLEY FINANCIAL CORP. Common 482016102 767 21,927 SH DEFINED 1 21,927 0 0
KELLOGG CO Common 487836108 14 400 SH OTHER 1 400 0 0
KENNAMETAL INC Common 489170100 289 11,168 SH DEFINED 1 0 0 11,168
KEYCORP 493267108 25 1,000 SH DEFINED 1 0 0 1,000
KEYSTONE FINANCIAL Common 493482103 3,456 114,300 SH DEFINED 114,300 0 0
KIMBERLY CLARK CORP Common 494368103 27 524 SH DEFINED 1 524 0 0
KROGER CO Common 501044101 250 11,376 SH OTHER 1 11,376 0 0
KROGER CO Common 501044101 251 11,376 SH OTHER 1 0 0 11,376
LIFETIME PRODUCTS CORP 53220C106 0 119 SH DEFINED 1 0 119 0
LILLY ELI & CO Common 532457108 51 800 SH DEFINED 1 0 800 0
LTD KINDER MORGAN ENERGY PARTNERS 494550106 43 1,000 SH OTHER 1 0 0 1,000
LUCENT TECHNOLOGIES INC Common 549463107 2,534 39,057 SH DEFINED 1 23,017 0 16,040
LUCENT TECHNOLOGIES INC Common 549463107 517 7,972 SH OTHER 1 3,036 0 4,936
LUCENT TECHNOLOGIES INC Common 549463107 1,385 21,352 SH DEFINED 1 14,218 5,878 1,256
LUCENT TECHNOLOGIES INC Common 549463107 320 4,936 SH OTHER 1 4,192 744 0
MARRIOTT INTERNATIONAL CL A 571903202 9 300 SH DEFINED 1 300 0 0
MARRIOTT INTERNATIONAL CL A 571903202 42 1,300 SH OTHER 1 1,100 200 0
MAY DEPT STORES CO Common 577778103 38 1,065 SH DEFINED 1 1,065 0 0
MBIA INC 6.95% PFD 55262C209 18 800 SH DEFINED 1 800 0 0
MBNA CORP Common 55262L100 76 3,375 SH OTHER 1 3,375 0 0
MBNA CORP Common 55262L100 155 6,793 SH DEFINED 1 6,793 0 0
MBNA CORP Common 55262L100 77 3,375 SH OTHER 1 0 0 3,375
MCCORMICK & CO INC Common 579780206 23 700 SH DEFINED 1 600 100 0
MCDONALDS CORP Common 580135101 92 2,117 SH OTHER 1 1,917 0 200
MCDONALDS CORP Common 580135101 844 19,520 SH DEFINED 1 13,020 0 6,500
MCDONALDS CORP Common 580135101 8 200 SH OTHER 1 200 0 0
MCDONALDS CORP Common 580135101 281 6,500 SH DEFINED 1 6,400 100 0
MCI WORLDCOM INC Common 55268B106 86 1,205 SH DEFINED 1 1,205 0 0
MEDIAONE GROUP INC Common 58440J104 114 1,682 SH DEFINED 1 926 756 0
MEDIAONE GROUP INC Common 58440J104 88 1,300 SH OTHER 1 1,300 0 0
MEDIAONE GROUP INC. Common 58440J104 83 1,214 SH DEFINED 1 288 0 926
MEDIAONE GROUP INC. Common 58440J104 143 2,100 SH OTHER 1 800 0 1,300
MEDTRONIC INC Common 585055106 13 370 SH DEFINED 1 370 0 0
MELLON BANK CORP Common 585509102 419 12,475 SH OTHER 1 3,200 0 9,275
MELLON BANK CORP Common 585509102 1,012 30,084 SH DEFINED 1 17,600 0 12,484
MELLON BANK CORP Common 585509102 3,780 119,000 SH DEFINED 119,000 0 0
MELLON BK CORP Common 585509102 311 9,275 SH OTHER 1 2,000 7,275 0
MELLON BK CORP Common 585509102 665 19,784 SH DEFINED 1 10,660 7,124 2,000
MERCK & CO INC Common 589331107 1,062 16,394 SH DEFINED 1 16,294 100 0
MERCK & CO INC Common 589331107 2,123 32,760 SH OTHER 1 31,960 800 0
MERCK & COMPANY INC Common 589331107 4,692 72,389 SH DEFINED 1 11,660 0 60,729
MERCK & COMPANY INC Common 589331107 2,283 35,222 SH OTHER 1 2,462 0 32,760
MERRILL LYNCH PFD PFD 59021F206 8 400 SH DEFINED 1 400 0 0
MERRILL LYNCH & CO Common 590188108 641 9,509 SH DEFINED 1 8,509 0 1,000
MERRILL LYNCH & CO Common 590188108 118 1,750 SH OTHER 1 1,150 0 600
MERRILL LYNCH & CO INC Common 590188108 40 600 SH OTHER 1 600 0 0
MERRILL LYNCH & CO INC Common 590188108 67 1,000 SH DEFINED 1 900 100 0
METAMOR WORLDWIDE INC Common 59133P100 8 500 SH OTHER 1 0 0 500
MICROSOFT CORP Common 594918104 408 4,510 SH DEFINED 1 3,230 0 1,280
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MICROSOFT CORP Common 594918104 208 2,300 SH OTHER 1 700 0 1,600
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MINNESOTA MNG & MFG CO Common 604059105 563 5,870 SH OTHER 1 5,720 150 0
MINNESOTA MNG & MFG CO Common 604059105 407 4,240 SH DEFINED 1 4,190 50 0
MOBIL CORP Common 607059102 364 3,614 SH OTHER 1 1,400 2,214 0
MOBIL CORP Common 607059102 1,108 10,998 SH DEFINED 1 10,398 600 0
MOBIL CORPORATION Common 607059102 475 4,714 SH OTHER 1 600 0 4,114
MOBIL CORPORATION Common 607059102 1,754 17,408 SH DEFINED 1 7,510 0 9,898
MONSANTO CO Common 611662107 49 1,380 SH DEFINED 1 1,380 0 0
MORGAN J P & CO INC Common 616880100 306 2,679 SH DEFINED 1 2,179 0 500
MORGAN J P & CO INC Common 616880100 23 200 SH OTHER 1 200 0 0
MORGAN STANLEY DEAN WITTER DISCOVCommon 617446448 209 2,340 SH OTHER 1 0 0 2,340
MOTOROLA INC Common 620076109 35 400 SH DEFINED 1 400 0 0
MUNIYIELD PA FD Common 62630V109 25 2,000 SH DEFINED 1 0 2,000 0
MYLAN LABS INC Common 628530107 6 336 SH OTHER 1 336 0 0
MYLAN LABS INC Common 628530107 16 900 SH DEFINED 1 0 900 0
NABISCO GROUP HOLDING CORP Common 62952P102 7 500 SH OTHER 1 0 0 500
NB CAP TR I TOPRS 7.84% 628956203 9 400 SH DEFINED 1 400 0 0
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NCR CORP NEW Common ********** 1 40 SH OTHER 1 27 13 0
NEW MEXICO BANQUEST Common 647991926 721 7,207 SH DEFINED 1 7,207 0 0
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NORFOLK SOUTHERN CORP Common 655844108 33 1,350 SH OTHER 1 1,350 0 0
NORTH PITTSBURGH SYS INC Common 661562108 18 1,000 SH DEFINED 1 0 1,000 0
NORTH PITTSBURGH SYS INC Common 661562108 1,787 97,920 SH OTHER 1 72,000 25,920 0
NORTH PITTSBURGH SYS INC Common 661562108 1,787 97,920 SH OTHER 1 0 0 97,920
NUVEEN PA INVT QUALITY MUN F Common 670972108 12 800 SH DEFINED 1 0 800 0
NUVEEN PA INVT QUALITY MUN F Common 670972108 46 3,000 SH OTHER 1 3,000 0 0
ORACLE CORP Common 68389X105 309 6,800 SH DEFINED 1 5,700 1,100 0
ORACLE CORP Common 68389X105 856 18,822 SH DEFINED 1 13,022 0 5,800
ORACLE CORP Common 68389X105 46 1,000 SH OTHER 1 0 0 1,000
ORACLE CORP Common 68389X105 45 1,000 SH OTHER 1 1,000 0 0
P P G INDUSTRIES INC Common 693506107 3,365 56,090 SH OTHER 1 1,540 0 54,550
P P G INDUSTRIES INC Common 693506107 640 10,665 SH DEFINED 1 4,905 0 5,760
P P & L RES INC Common 693499105 283 10,453 SH OTHER 1 1,529 0 8,924
P P & L RES INC Common 693499105 214 7,924 SH OTHER 1 7,924 0 0
P P & L RES INC Common 693499105 399 14,741 SH DEFINED 1 8,350 0 6,391
P P & L RES INC Common 693499105 172 6,391 SH DEFINED 1 6,391 0 0
PARKVALE FINANCIAL CORP Common 701492100 409 20,000 SH DEFINED 20,000 0 0
PECO ENERGY CO Common 693304107 123 3,281 SH DEFINED 1 3,000 281 0
PECO ENERGY CO Common 693304107 41 1,100 SH OTHER 1 1,100 0 0
PEGASUS AIRCRAFT PARTNERSHIP II LIP 705562106 8 1,500 SH DEFINED 1 1,250 250 0
PEPSICO INC Common 713448108 616 20,200 SH OTHER 1 20,000 200 0
PEPSICO INC Common 713448108 147 4,850 SH DEFINED 1 3,450 1,400 0
PEPSICO INCORPORATED Common 713448108 1,040 34,095 SH DEFINED 1 29,245 0 4,850
PEPSICO INCORPORATED Common 713448108 665 21,800 SH OTHER 1 1,600 0 20,200
PFD ALABAMA POWER CO 10392629 13 600 SH DEFINED 1 600 0 0
PFIZER INC Common 717081103 205 5,730 SH DEFINED 1 5,580 150 0
PFIZER INC Common 717081103 248 6,900 SH OTHER 1 4,500 0 2,400
PFIZER INC Common 717081103 2,289 63,800 SH DEFINED 1 58,670 0 5,130
PFIZER INC Common 717081103 86 2,400 SH OTHER 1 2,400 0 0
PHILIP MORRIS CO Common 718154107 468 13,675 SH DEFINED 1 13,675 0 0
PHILIP MORRIS CO Common 718154107 1,203 35,190 SH OTHER 1 0 0 35,190
PHILIP MORRIS COS Common 718154107 1,202 35,190 SH OTHER 1 34,790 0 400
PHILIP MORRIS COS Common 718154107 461 13,500 SH DEFINED 1 300 13,200 0
PHILLIPS 66 CAP I TOPRS 8.24% 718550205 19 800 SH DEFINED 1 0 800 0
PHILLIPS PETE CO Common 718507106 86 1,777 SH DEFINED 1 1,177 600 0
PITT DESMOINES INC Common 724508106 41 1,896 SH OTHER 1 1,896 0 0
PNC BANK CORP Common 693475105 254 4,828 SH OTHER 1 700 0 4,128
PNC BANK CORP Common 693475105 3,922 80,000 SH DEFINED 80,000 0 0
PNC BANK CORP Common 693475105 1,085 20,598 SH DEFINED 1 16,598 0 4,000
PNC BK CORP Common 693475105 217 4,128 SH OTHER 1 4,128 0 0
PNC BK CORP Common 693475105 210 4,000 SH DEFINED 1 3,050 100 850
POLARIS AIRCRAFT INCOME FUND V 731044897 0 10 SH OTHER 1 0 10 0
POLARIS AIRCRAFT INCOME FUND III 73104A893 0 40 SH DEFINED 1 40 0 0
POLARIS AIRCRAFT INCOME FUND V 731044897 0 40 SH DEFINED 1 40 0 0
POTOMAC ELEC PWR CO Common 737679100 13 534 SH OTHER 1 464 70 0
PPG INDS INC Common 693506107 801 13,360 SH DEFINED 1 4,860 8,500 0
PPG INDS INC Common 693506107 3,309 55,150 SH OTHER 1 46,650 8,500 0
PRAXAIR INC Common 74005P104 184 4,000 SH OTHER 1 4,000 0 0
PREMARK INTL INC Common 740459102 12 240 SH DEFINED 1 240 0 0
PRISON REALTY TRUST INC PFD PFD 74264N204 14 1,000 SH OTHER 1 0 0 1,000
PROCTER & GAMBLE CO Common 742718109 201 2,150 SH DEFINED 1 1,450 100 600
PROCTER & GAMBLE CO Common 742718109 1,643 17,526 SH DEFINED 1 15,976 0 1,550
PROCTER & GAMBLE CO Common 742718109 2,039 21,750 SH OTHER 1 650 0 21,100
PROCTER & GAMBLE CO Common 742718109 1,978 21,100 SH OTHER 1 20,900 200 0
PRONTOCK BEER DISTRIBUTORS, INC Common 693000994 94 18,750 SH DEFINED 1 18,750 0 0
PRUDENTIAL MUN SER FD PA SER CL A 74435M879 70 6,982 SH DEFINED 1 6,982 0 0
PSINET INC-CONV PFD SERIES C PFD C 6.75% 74437C309 8 200 SH OTHER 1 0 0 200
PUBLIC SERV ELEC GAS Common 744573106 71 1,839 SH DEFINED 1 150 0 1,689
PUBLIC SERV ELEC GAS Common 744573106 333 8,630 SH OTHER 1 1,830 0 6,800
PUBLIC STORAGE INC Common 74460D109 2 102 SH DEFINED 1 0 102 0
PUBLIC SVC ENTERPRISE GROUP Common 744573106 42 1,089 SH DEFINED 1 1,089 0 0
PUBLIC SVC ENTERPRISE GROUP Common 744573106 262 6,800 SH OTHER 1 6,800 0 0
PUTNAM AMERN GOVT INCOME FD CL A 74644B102 7 865 SH DEFINED 1 865 0 0
QWEST COMMUNICATIONS INTL INC COM 749121109 14 500 SH OTHER 1 0 0 500
RAYTHEON CO CL A 755111309 12 265 SH DEFINED 1 36 229 0
RAYTHEON CO CL A 755111309 10 215 SH OTHER 1 186 29 0
RAYTHEON CO CL B 755111408 19 400 SH DEFINED 1 400 0 0
RAYTHEON CO CL B 755111408 4 100 SH OTHER 1 0 100 0
REALTY INCOME CUMULATIVE PFD 9.38%756109302 11 500 SH OTHER 1 0 0 500
RELIANT ENERGY INC Common 75952J108 16 600 SH DEFINED 1 600 0 0
ROCKWELL INTL CORP Common 773903109 799 15,219 SH OTHER 1 2,688 0 12,531
ROCKWELL INTL CORP Common 773903109 138 2,633 SH DEFINED 1 0 0 2,633
ROCKWELL INTL CORP NEW Common 773903109 148 2,833 SH DEFINED 1 2,833 0 0
ROCKWELL INTL CORP NEW Common 773903109 657 12,531 SH OTHER 1 12,531 0 0
ROHM & HAAS CO Common 775371107 387 10,715 SH DEFINED 1 8,765 0 1,950
ROHM & HAAS CO Common 775371107 20 550 SH OTHER 1 300 0 250
ROHM & HAAS CO Common 775371107 70 1,950 SH DEFINED 1 1,800 150 0
ROHM & HAAS CO Common 775371107 9 250 SH OTHER 1 250 0 0
ROYAL DUTCH PETE CO NY REG GLD1.25780257804 47 800 SH DEFINED 1 0 0 800
ROYAL DUTCH PETROLEUM NY SHS Common 780257804 24 400 SH OTHER 1 400 0 0
ROYAL DUTCH PETROLEUM NY SHS Common 780257804 325 5,500 SH DEFINED 1 5,500 0 0
R.J. REYNOLDS TOBACCO HLDGS INC COMMON 76182K105 4 166 SH OTHER 1 0 0 166
S & T BANCORP INC Common 783859101 1,928 84,752 SH DEFINED 1 84,752 0 0
S & T BANCORP INC Common 783859101 11 464 SH OTHER 1 464 0 0
SANDISK CORPORATION Common 80004C101 32 500 SH OTHER 1 0 0 500
SARA LEE CORP Common 803111103 100 4,300 SH DEFINED 1 4,000 300 0
SARA LEE CORP Common 803111103 7 300 SH OTHER 1 300 0 0
SARA LEE CORP Common 803111103 223 9,550 SH DEFINED 1 6,250 0 3,300
SARA LEE CORP Common 803111103 19 800 SH OTHER 1 500 0 300
SBC COMMUNICATIONS 7.75% CONV PFD 03-1578387G202 25 400 SH OTHER 1 0 0 400
SBC COMMUNICATIONS INC Common 78387G103 613 12,008 SH DEFINED 1 4,002 0 8,006
SBC COMMUNICATIONS INC Common 78387G103 585 11,458 SH DEFINED 1 6,724 3,452 1,282
SBC COMMUNICATIONS INC Common 78387G103 283 5,556 SH OTHER 1 5,556 0 0
SBC COMMUNICATIONS INC Common 78387G103 284 5,556 SH OTHER 1 0 0 5,556
SCHERING-PLOUGH CORP Common 806605101 364 8,345 SH DEFINED 1 8,345 0 0
SCHERING-PLOUGH CORP Common 806605101 17 400 SH OTHER 1 400 0 0
SCHLUMBERGER LTD Common 806857108 18 300 SH OTHER 1 200 100 0
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SCITEX LTD ORD 809090103 21 2,000 SH DEFINED 1 0 0 2,000
SEARS ROEBUCK & CO Common 812387108 39 1,256 SH DEFINED 1 500 756 0
SEARS ROEBUCK & CO Common 812387108 97 3,100 SH OTHER 1 3,100 0 0
SEVEN FIELDS DEVELOPMENT PA INC 791005994 0 424 SH DEFINED 1 424 0 0
SILICON GRAPHICS INC Common 827056102 21 2,000 SH DEFINED 1 0 0 2,000
SINCLAIR BROADCAST GRP CONV PFD 6.00% 12-3829226505 13 400 SH OTHER 1 0 0 400
SODEXHO MARRIOTT SVCS INC Common 833793102 0 25 SH OTHER 1 0 25 0
SOUTHWEST AIRLINES Common 844741108 15 975 SH OTHER 1 450 0 525
SOUTHWEST AIRLINES Common 844741108 212 13,937 SH DEFINED 1 6,637 0 7,300
SOUTHWEST AIRLINES CO Common 844741108 110 7,300 SH DEFINED 1 6,300 1,000 0
SOUTHWEST AIRLINES CO Common 844741108 7 525 SH OTHER 1 525 0 0
SPARTAN MTRS INC Common 846819100 14 2,825 SH DEFINED 1 0 0 2,825
SPRINT CORP COM FON GROUP 852061100 21 400 SH DEFINED 1 400 0 0
SPRINT CORPORATION SERIES I PCS COMMON 852061506 7 100 SH DEFINED 1 100 0 0
SUN MICROSYSTEMS INC Common 866810104 186 2,000 SH DEFINED 1 1,300 700 0
SUN MICROSYSTEMS INC Common 866810104 139 1,500 SH OTHER 1 1,500 0 0
SUNMICRO SYSTEMS Common 866810104 744 8,000 SH DEFINED 1 6,000 0 2,000
SUNMICRO SYSTEMS Common 866810104 158 1,700 SH OTHER 1 200 0 1,500
SUNOCO INC Common 86764P109 13 500 SH DEFINED 1 500 0 0
SUSQUEHANNA BANCORP Common 869099101 4,273 226,000 SH DEFINED 226,000 0 0
T R W INC PREF 3 CV$4.50872649603 20 50 SH OTHER 1 50 0 0
T ROWE PRICE ASSOCIATES INC 741477103 58 2,115 SH DEFINED 1 2,115 0 0
TBC CORP Common 872180104 19 2,875 SH DEFINED 1 0 0 2,875
TECO ENERGY INC Common 872375100 21 1,000 SH DEFINED 1 1,000 0 0
TENNESSEE VALLEY AUTH PFD 6.50% SERIES A880591409 8 400 SH DEFINED 1 400 0 0
TEXACO INC Common 881694103 132 2,100 SH DEFINED 1 0 2,100 0
TEXACO INC Common 881694103 13 200 SH OTHER 1 200 0 0
TEXACO INC Common 881694103 259 4,100 SH DEFINED 1 2,600 0 1,500
TEXAS INSTRS INC Common 882508104 41 500 SH OTHER 1 300 0 200
TEXAS INSTRS INC Common 882508104 666 8,100 SH DEFINED 1 6,900 0 1,200
TEXAS INSTRUMENTS INC Common 882508104 16 200 SH OTHER 1 200 0 0
TEXAS INSTRUMENTS INC Common 882508104 98 1,200 SH DEFINED 1 1,000 200 0
TEXTRON CAP I PFD TR 7.92% 883198202 56 2,400 SH DEFINED 1 0 2,400 0
TEXTRON INC Common 883203101 92 1,200 SH OTHER 1 1,200 0 0
TEXTRON INC Common 883203101 185 2,400 SH DEFINED 1 2,400 0 0
TEXTRON INC Common 883203101 186 2,400 SH DEFINED 1 0 0 2,400
TEXTRON INC Common 883203101 93 1,200 SH OTHER 1 0 0 1,200
THE CHARLES SCHWAB CORPORATION Common 808513105 233 6,974 SH DEFINED 1 6,974 0 0
THE CHARLES SCHWAB CORPORATION Common 808513105 233 6,974 SH DEFINED 1 0 0 6,974
TIME WARNER INC. Common 887315109 29 480 SH DEFINED 1 480 0 0
TRANSCANADA PIPELINE PFD 8.25% 10-01-47893526723 23 1,000 SH OTHER 1 0 0 1,000
TRIBUNE CO EXCHANGEABLE PFD 6.25% 8-15-01 896047206 11 500 SH OTHER 1 0 0 500
TUPPERWARE CORP Common 899896104 4 240 SH DEFINED 1 240 0 0
U S T INC Common 902911106 6 200 SH DEFINED 1 200 0 0
U S WEST INC Common 91273H101 123 2,157 SH OTHER 1 822 0 1,335
U S WEST INC Common 91273H101 111 1,946 SH DEFINED 1 996 0 950
UGI CORP NEW Common 902681105 23 1,000 SH DEFINED 1 0 1,000 0
UNICOM CORP 904911104 1 31 SH DEFINED 1 31 0 0
UNION CARBIDE CORP Common 905581104 17 300 SH DEFINED 1 300 0 0
UNION CARBIDE CORP Common 905581104 227 4,000 SH OTHER 1 4,000 0 0
UNION CARBIDE CORP Common 905581104 227 4,000 SH OTHER 1 0 0 4,000
UNION CARBIDE CORP Common 905581104 20 352 SH DEFINED 1 52 0 300
UNION PAC CORP Common 907818108 2 50 SH OTHER 1 0 50 0
UNITED TECHNOLOGIES CORP Common 913017109 17 290 SH OTHER 1 0 0 290
UNITY REAL ESTATE COMPANY 899997175 0 181 SH DEFINED 1 181 0 0
US WEST INC (NEW) 91273H101 98 1,726 SH DEFINED 1 950 776 0
US WEST INC (NEW) 91273H101 76 1,335 SH OTHER 1 1,335 0 0
USX CAPITAL 8.75% PFD PFD P96460103 4 200 SH DEFINED 1 200 0 0
USX MARATHON GROUP COM NEW 902905827 14 500 SH DEFINED 1 500 0 0
VIRGINIA ELECTRIC & POWER 7.15% 06-30-38927804617 18 800 SH DEFINED 1 800 0 0
VIRGINIA ELECTRIC & POWER PF D 6.70% 927804591 14 600 SH DEFINED 1 600 0 0
VLASIC FOODS INTL INC 928559103 2 320 SH DEFINED 1 0 320 0
VODAFONE AIRTOUCH PLC-SP ADR 92857T107 404 1,700 SH OTHER 1 1,700 0 0
VODAFONE AIRTOUCH PLC-SP ADR 92857T107 261 1,100 SH DEFINED 1 1,100 0 0
VODAFONE GROUP PLC ADR SPONSORED Common 92857T107 296 1,244 SH DEFINED 1 144 0 1,100
VODAFONE GROUP PLC ADR SPONSORED Common 92857T107 404 1,700 SH OTHER 1 0 0 1,700
WACHOVIA CORP Common 929771103 590 7,501 SH DEFINED 1 7,501 0 0
WAL MART STORES INC Common 931142103 13 280 SH DEFINED 1 280 0 0
WAL-MART STORES INC Common 931142103 279 5,856 SH DEFINED 1 5,856 0 0
WAL-MART STORES INC Common 931142103 19 400 SH OTHER 1 400 0 0
WARNER LAMBERT CO Common 934488107 26 400 SH OTHER 1 400 0 0
WARNER LAMBERT CO Common 934488107 350 5,285 SH DEFINED 1 5,185 100 0
WARNER-LAMBERT CO Common 934488107 651 9,815 SH DEFINED 1 4,530 0 5,285
WARNER-LAMBERT CO Common 934488107 192 2,900 SH OTHER 1 2,500 0 400
WELLS FARGO & CO Common 949746101 16 400 SH OTHER 1 400 0 0
WELLS FARGO & CO Common 949746101 194 4,900 SH DEFINED 1 3,500 0 1,400
WELLS FARGO & COMPANY NEW CO MMON 949746101 87 2,200 SH DEFINED 1 1,100 1,100 0
WESTAMERICA CORPORATION 957098106 1 357 SH OTHER 1 357 0 0
WESTERN RESOURCES INC Common 959425109 10 500 SH OTHER 1 0 0 500
WILLIAMS COS INC DEL Common 969457100 19 520 SH DEFINED 1 520 0 0
WOLOHAN LMBR CO Common 977865104 9 700 SH DEFINED 1 0 0 700
XEROX CORP. Common 984121103 17 400 SH OTHER 1 0 0 400
XEROX CORP. Common 984121103 328 7,816 SH DEFINED 1 5,416 0 2,400
--------
GRAND TOTALS 260,502
</TABLE>
