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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: 3/31/99
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Check here if Amendment [ ]; Amendment Number:
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This Amendment (Check only one.): [ ] is a restatement.
[ ] adds new holdings
entries.
Institutional Investment Manager Filing this Report:
Name: BT FINANCIAL CORPORATION
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Address: 551 Main Street
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Johnstown, PA 15901
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Form 13F File Number: 28-07666
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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: Steven C. Ackmann
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Title: President and Chief Operating Officer
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Phone: 814-536-3801
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Signature, Place, and Date of Signing:
/s/ Steven C. Ackmann* Johnstown, Pennsylvania 2/15/99
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[Signature] [City, State] [Date]
*Pursuant to Rule 12b-11(d) Mr. Ackmann has executed a document acknowledging
and adopting the use of this typed signature on Form 13F.
Report Type (Check only one.):
[ ] 13F HOLDINGS REPORT. (Check here if all holdings of this
reporting manager are reported in this report.)
[X] 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).)
List of Other Managers Reporting for this Manager:
[If there are no entries in this list, omit this section.]
Form 13F File Number Name
28-07668 Laurel Trust Company
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[Repeat as necessary.]
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Laurel Trust Company, a wholly-owned subsidiary of BT Financial Corporation, a
bank holding company, incorporated under the laws of Pennsylvania, and BT
Financial Corporation exercise investment discretion with respect to the same
13F securities. Pursuant to General Instruction 2 of Form 13 F, this filing
indicates that Laurel Trust Company is reporting on behalf of BT Financial
Corporation on Laurel Trust Company's Form 13 F for the quarter ended
March 31, 1999.
