UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: December 31, 1999
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
Address: 551 Main Street
Johnstown, PA 15901
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: Mr. 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 February 14, 2000
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[Signature] [City, State] [Date]
Report Type:
[ ] 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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List of Other Managers Reporting for this Manager:
Form 13F File Number Name
28-07668 Laurel Trust Company
