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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13 F COVER PAGE
Report for the Calendar Year or Quarter Ended June 30, 1999.
Check here if Amendment [ ]: Amendment Number: ______________
This Amendment (Check one only):
[ ] 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
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
Title: President and Chief Operating Officer
Phone: 814-536-3801
Signature, Place, and Date of Signing:
/s/Steven C. Ackmann Johnstown, Pennsylvania 8/13/99
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[Signature] [City, State] [Date]
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).)
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Form 13F SUMMARY PAGE
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. [If there are no entries in this
list, state "NONE" and omit the column headings and list entries.]
Number 1
Form 13F File Number 28-07668
Name Laurel Trust Company
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 June 30,
1999.
