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Previous: LINCOLN LOGS LTD, 8-K, 2000-01-19 |
Next: FIDELITY NEW YORK MUNICIPAL TRUST, 485APOS, 2000-01-19 |
<PAGE>
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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: 12/31/99
------------------
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: Keystone Financial Inc.
--------------------------------------------------
Address: 1315 11th Ave.
--------------------------------------------------
P.O. Box 2450
--------------------------------------------------
Altoona, PA 16603-2450
--------------------------------------------------
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 that is 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: Bonnie E. Long
--------------------------------------------------
Title: Trust Operations Officer
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Phone: (814) 944-1195
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Signature, Place, and Date of Signing:
/s/ Bonnie E. Long Altoona, PA 16601 1/18/00
- ----------------------- -------------------------------- ------------------
[Signature] [City, State] [Date]
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 1
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AFLAC CORP 001055102 937 19,850 SH X 19,850
AMR CORP DEL 001765106 413 6,160 SH X 6,160
AMR CORP DEL 001765106 27 400 SH X X 400
A T & T CORP 001957109 10,083 198,425 SH X 191,850 5,075 1,500
A T & T CORP 001957109 2,194 43,169 SH X X 30,407 12,762
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 260 4,572 SH X 4,572
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 3,066 53,968 SH X X 53,968
AT & T CORP - LIBERTY MEDIA GROUP B 001957307 930 13,520 SH X X 13,520
ABBOTT LABORATORIES 002824100 5,854 161,204 SH X 152,529 3,300 5,375
ABBOTT LABORATORIES 002824100 583 16,050 SH X X 1,150 14,900
AETNA INC 008117103 705 12,640 SH X 12,190 450
AFFILIATED COMPUTER SERVICES INC CL 008190100 252 5,477 SH X 5,477
A
AIR PRODUCTS & CHEMICALS INC 009158106 1,282 38,200 SH X 38,200
AIR PRODUCTS & CHEMICALS INC 009158106 102 3,040 SH X X 3,040
ALBERTSONS INC 013104104 218 6,756 SH X 6,756
ALCOA INC 013817101 803 9,674 SH X 9,674
ALCOA INC 013817101 8 94 SH X X 94
ALLEGHENY ENERGY INC 017361106 317 11,760 SH X 11,260 500
ALLEGHENY ENERGY INC 017361106 116 4,300 SH X X 4,300
ALLSTATE CORPORATION 020002101 296 12,320 SH X 11,950 370
COM
ALLSTATE CORPORATION 020002101 128 5,312 SH X X 5,262 50
COM
ALLTEL CORP 020039103 983 11,888 SH X 11,642 246
ALLTEL CORP 020039103 583 7,050 SH X X 5,800 1,250
AMERICA ONLINE INC 02364J104 1,408 18,554 SH X 18,354 200
AMERICA ONLINE INC 02364J104 364 4,800 SH X X 3,600 1,200
-------
PAGE TOTAL 31,912
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 2
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AMERICAN EXPRESS 025816109 615 3,702 SH X 3,702
AMERICAN EXPRESS 025816109 216 1,300 SH X X 400 900
AMERICAN GENERAL CORP 026351106 763 10,059 SH X 10,059
AMERICAN GENERAL CORP 026351106 250 3,300 SH X X 3,300
AMERICAN HOME PRODUCTS INC 026609107 2,970 75,675 SH X 75,225 450
AMERICAN HOME PRODUCTS INC 026609107 902 22,980 SH X X 6,800 16,180
AMERICAN INTERNATIONAL GROUP INC 026874107 841 7,775 SH X 7,713 62
AMERICAN INTERNATIONAL GROUP INC 026874107 248 2,297 SH X X 2,297
AMGEN INC 031162100 1,482 24,680 SH X 24,680
AMGEN INC 031162100 114 1,900 SH X X 1,600 300
ANHEUSER BUSCH COS INC 035229103 737 10,400 SH X 10,400
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 266 9,680 SH X 9,576 104
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 54 1,962 SH X X 1,226 736
ATLANTIC RICHFIELD 048825103 3,300 38,146 SH X 36,346 800 1,000
ATLANTIC RICHFIELD 048825103 661 7,645 SH X X 2,845 4,800
AUTOMATIC DATA PROCESSING INC 053015103 722 13,400 SH X 13,400
BAKER HUGHES INC 057224107 279 13,258 SH X 13,258
BANK OF AMERICA CORP 060505104 1,532 30,517 SH X 30,517
BANK OF AMERICA CORP 060505104 1 28 SH X X 28
BANK OF NEW YORK 064057102 902 22,550 SH X 22,550
BANK OF NEW YORK 064057102 64 1,600 SH X X 1,600
BANK ONE CORP 06423A103 528 16,496 SH X 16,496
BAXTER INTERNATIONAL INC 071813109 235 3,742 SH X 3,742
BAXTER INTERNATIONAL INC 071813109 72 1,139 SH X X 1,139
BELL ATLANTIC CORP 077853109 11,182 181,632 SH X 174,881 1,551 5,200
-------
PAGE TOTAL 28,936
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 3
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
BELL ATLANTIC CORP 077853109 1,922 31,215 SH X X 23,343 7,872
BELLSOUTH CORP 079860102 7,603 162,415 SH X 157,141 5,274
BELLSOUTH CORP 079860102 1,800 38,445 SH X X 20,166 18,279
BESTFOODS 08658U101 1,633 31,076 SH X 31,076
BESTFOODS 08658U101 45 848 SH X X 448 400
BLACKROCK PENN TAX FR INC-I 091928622 316 30,696 SH X 30,696
BRISTOL MYERS SQUIBB CO 110122108 6,324 98,524 SH X 95,724 2,800
BRISTOL MYERS SQUIBB CO 110122108 1,514 23,580 SH X X 11,140 12,440
BROADWING INC 111620100 1,086 29,450 SH X 29,450
BRYN MAWR BK CORP 117665109 305 12,776 SH X 12,776
BURLINGTON NORTHERN SANTA FE INC 12189T104 521 21,465 SH X 21,465
BURLINGTON NORTHERN SANTA FE INC 12189T104 36 1,500 SH X X 1,350 150
CBS CORP 12490K107 670 10,480 SH X 10,480
CBS CORP 12490K107 38 600 SH X X 600
C-COR.NET CORP 125010108 162 2,110 SH X 2,110
C-COR.NET CORP 125010108 3,831 50,000 SH X X 48,000 2,000
CSX CORP 126408103 959 30,563 SH X 30,363 200
CSX CORP 126408103 168 5,365 SH X X 2,500 2,325 540
CARLISLE COMPANIES INC 142339100 1,123 31,200 SH X 31,200
CARLISLE COMPANIES INC 142339100 15 408 SH X X 408
CARNIVAL CORPORATION 143658102 1,599 33,450 SH X 33,450
CARNIVAL CORPORATION 143658102 48 1,000 SH X X 1,000
CAROLINA POWER & LIGHT CO 144141108 183 6,001 SH X 6,001
CAROLINA POWER & LIGHT CO 144141108 91 3,000 SH X X 3,000
CATERPILLAR INC 149123101 612 13,000 SH X 12,900 100
-------
PAGE TOTAL 32,604
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 4
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
CATERPILLAR INC 149123101 28 600 SH X X 600
CENDANT CORP 151313103 223 8,410 SH X 8,410
CENDANT CORP 151313103 26 960 SH X X 960
CHASE MANHATTAN CORP NEW 16161A108 2,393 30,808 SH X 29,158 525 1,125
CHASE MANHATTAN CORP NEW 16161A108 31 400 SH X X 400
CHEVRON CORP 166751107 1,121 12,942 SH X 12,242 700
CHEVRON CORP 166751107 449 5,184 SH X X 2,888 2,296
CISCO SYSTEMS INC 17275R102 8,820 82,335 SH X 81,420 575 340
CISCO SYSTEMS INC 17275R102 1,673 15,620 SH X X 13,100 2,520
CITIGROUP INC 172967101 3,674 65,974 SH X 64,420 1,553
CITIGROUP INC 172967101 509 9,147 SH X X 6,372 2,775
CITRIX SYSTEMS INC 177376100 1,304 10,600 SH X 10,600
CITRIX SYSTEMS INC 177376100 55 450 SH X X 450
COASTAL CORP 190441105 1,107 31,225 SH X 30,725 500
COCA COLA 191216100 3,245 55,713 SH X 49,318 1,800 4,595
COCA COLA 191216100 1,730 29,694 SH X X 28,229 1,465
COLGATE-PALMOLIVE CO 194162103 697 10,728 SH X 10,728
COLGATE-PALMOLIVE CO 194162103 520 8,000 SH X X 8,000
COMMUNITY BKS INC MILLERSBURG PA 203628102 396 17,295 SH X 17,295
COMPAQ COMPUTER CORP 204493100 821 30,332 SH X 30,332
COMPAQ COMPUTER CORP 204493100 122 4,500 SH X X 3,750 750
COMPUTER ASSOCIATES 204912109 493 7,050 SH X 6,800 250
COMPUTER ASSOCIATES 204912109 56 800 SH X X 500 300
COMPUTER NETWORK TECHNOLOGY CORP 204925101 970 42,300 SH X 42,300
COMPUWARE CORP 205638109 648 17,400 SH X 16,800 600
----------
PAGE TOTAL 31,111
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 5
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
COMPUWARE CORP 205638109 30 800 SH X X 800
CONAGRA INC 205887102 1,556 68,569 SH X 67,169 1,400
CONECTIV INC 206829103 161 9,598 SH X 9,598
CONECTIV INC 206829103 72 4,300 SH X X 3,550 750
CONEXANT SYSTEMS INC 207142100 286 4,308 SH X 4,308
CONEXANT SYSTEMS INC 207142100 10 144 SH X X 144
CONOCO INC CL B 208251405 345 13,871 SH X 13,871
CONSOLIDATED EDISON INC 209115104 484 14,039 SH X 14,039
CONSOLIDATED EDISON INC 209115104 38 1,100 SH X X 500 600
CONSOLIDATED NATURAL GAS CO 209615103 265 4,084 SH X 4,084
CONSOLIDATED NATURAL GAS CO 209615103 104 1,600 SH X X 1,000 600
CONSTELLATION ENERGY GROUP 210371100 1,761 60,725 SH X 60,725
CONSTELLATION ENERGY GROUP 210371100 357 12,325 SH X X 7,400 4,325 600
ALLEN DISTRIBUTION 14.85% INTEREST 2307603Y4 1,804 3 SH X 3
LTD PARTNERSHIP
STEINER & STEINER GENERAL 2307706Y0 250 1 SH X 1
PARTNERSHIP
BIOWORKS INC SERIES B 2307857Y7 50 20,000 SH X 20,000
CONV PFD
ONE-HALF INTEREST ANTHONY & JOSEPH 2309423Y8 21 21,427 SH X X 21,427
D'ANGELO PARTNERSHIP
DELAWARE GROUP TAX FREE PA FUND A 233216100 275 36,583 SH X 36,583
CLASS
DQE INC 23329J104 251 7,236 SH X 6,936 300
DANA CORP 235811106 180 6,002 SH X 6,002
DANA CORP 235811106 58 1,944 SH X X 1,150 794
DANAHER CORP 235851102 1,292 26,780 SH X 26,580 200
DANAHER CORP 235851102 48 1,000 SH X X 500 500
DAYTON HUDSON CORP 239753106 220 3,000 SH X 3,000
DEERE & CO 244199105 1,700 39,203 SH X 38,953 250
----------
PAGE TOTAL 11,618
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 6
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
DEERE & CO 244199105 52 1,200 SH X X 700 500
DELL COMPUTER CORP 247025109 1,901 37,275 SH X 29,275 8,000
DELL COMPUTER CORP 247025109 20 400 SH X X 400
DIGI INTERNATIONAL INC 253798102 104 10,000 SH X 10,000
DISNEY (WALT) COMPANY HOLDING CO 254687106 3,979 136,029 SH X 129,104 1,450 5,475
DISNEY (WALT) COMPANY HOLDING CO 254687106 908 31,050 SH X X 27,200 3,850
DOMINION RESOURCES INC VA 257470104 397 10,116 SH X 10,116
DOMINION RESOURCES INC VA 257470104 78 1,999 SH X X 1,999
DOVER CORP 260003108 526 11,600 SH X 11,600
DOVER CORP 260003108 417 9,200 SH X X 9,200
DOW CHEMICAL 260543103 3,034 22,707 SH X 22,072 635
DOW CHEMICAL 260543103 334 2,500 SH X X 1,000 1,500
DUPONT E I DE NEMOURS & COMPANY 263534109 6,228 94,548 SH X 89,998 2,000 2,550
DUPONT E I DE NEMOURS & COMPANY 263534109 551 8,370 SH X X 7,145 1,225
DUKE ENERGY CORP 264399106 222 4,435 SH X 4,435
DUKE ENERGY CORP 264399106 83 1,649 SH X X 1,233 416
EMC CORP MASS 268648102 4,324 39,580 SH X 39,580
EMC CORP MASS 268648102 279 2,550 SH X X 1,300 1,250
EASTMAN KODAK CO 277461109 462 6,979 SH X 6,979
EASTMAN KODAK CO 277461109 53 800 SH X X 450 300 50
EATON CORP 278058102 824 11,350 SH X 9,500 350 1,500
ELECTRONIC DATA SYSTEMS CORP 285661104 242 3,617 SH X 3,617
EMERSON ELECTRIC 291011104 585 10,189 SH X 10,189
EMERSON ELECTRIC 291011104 46 800 SH X X 200 600
ENRON CORP 293561106 161 3,634 SH X 3,634
-------
PAGE TOTAL 25,810
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 7
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
ENRON CORP 293561106 150 3,380 SH X X 380 3,000
EXXON MOBIL CORP 30231G102 24,137 299,602 SH X 299,602
EXXON MOBIL CORP 30231G102 5,115 63,494 SH X X 19,868 29,532 14,094
FPL GROUP INC 302571104 1,139 26,595 SH X 26,395 200
FPL GROUP INC 302571104 60 1,400 SH X X 1,400
FDX CORP 31304N107 369 9,025 SH X 8,750 275
FEDERAL HOME LOAN MTGE CORP 313400301 249 5,300 SH X 5,300
FANNIE MAE 313586109 3,470 55,580 SH X 55,280 300
FANNIE MAE 313586109 479 7,670 SH X X 5,300 2,370
FEDERATED PA MUNI INCOME FUND A #311 313923708 1,844 171,093 SH X 171,093
FEDERATED PA MUNI INCOME FUND A #311 313923708 104 9,658 SH X X 9,658
FEDERATED #47 U.S. GOVERNMENT SEC 31428P103 469 45,317 SH X 36,070 9,246
(2-5 YRS) FUND
FIDELITY #037 SPARTAN MUNICIPAL 316089507 232 19,493 SH X 19,493
INCOME FUND
FIRST LEESPORT BANCORP 320682107 587 33,800 SH X 200 33,600
FIRST SENTINEL BANCORP INC 33640T103 78 10,000 SH X 10,000
FIRST UNION CORP N CAROLINA 337358105 6,177 187,522 SH X 186,222 1,150 150
FIRST UNION CORP N CAROLINA 337358105 979 29,735 SH X X 11,220 17,705 810
FIRST UNITED CORP 33741H107 220 15,267 SH X 13,259 2,008
FIRST UNITED CORP 33741H107 68 4,677 SH X X 2,627 2,050
FIRST VIRGINIA BANKS INC 337477103 258 6,000 SH X X 1,500 4,500
FLEETBOSTON FINANCIAL CORP 339030108 570 16,374 SH X 16,374
FLEETBOSTON FINANCIAL CORP 339030108 226 6,478 SH X X 3,326 3,152
FLORIDA PROGRESS CORP 341109106 197 4,650 SH X 4,650
FLORIDA PROGRESS CORP 341109106 72 1,700 SH X X 200 1,500
FORD MOTOR 345370100 1,290 24,195 SH X 23,795 400
-------
PAGE TOTAL 48,539
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 8
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
FORD MOTOR 345370100 249 4,662 SH X X 2,448 2,214
FORTUNE BRANDS INC 349631101 186 5,618 SH X 5,618
FORTUNE BRANDS INC 349631101 73 2,207 SH X X 1,500 107 600
FRANKLIN FINL SVCS CORP 353525108 428 20,522 SH X 13,522 7,000
FRANKLIN TAX FREE TR PA TAX FREE 354723801 313 32,604 SH X 32,604
INCOME FUND
FULTON FINANCIAL INC 360271100 622 34,565 SH X 14,544 20,021
FULTON FINANCIAL INC 360271100 460 25,539 SH X X 25,539
GTE CORP 362320103 5,750 81,493 SH X 80,643 600 250
GTE CORP 362320103 1,365 19,338 SH X X 6,748 12,590
GAP INC 364760108 1,952 42,430 SH X 41,030 1,025 375
GAP INC 364760108 55 1,200 SH X X 1,200
GENERAL ELECTRIC CO 369604103 32,469 209,816 SH X 201,446 4,525 3,845
GENERAL ELECTRIC CO 369604103 8,671 56,033 SH X X 25,410 30,623
GENERAL MILLS INC 370334104 231 6,470 SH X 6,470
GENERAL MILLS INC 370334104 14 400 SH X X 400
GENERAL MOTORS CORP 370442105 1,181 16,251 SH X 16,051 200
GENERAL MOTORS CORP 370442105 111 1,524 SH X X 448 1,076
GENESIS HEALTH VENTURES INC 371912106 136 66,100 SH X 66,100
GEORGIA PACIFIC GROUP 373298108 254 5,008 SH X 5,008
GILLETTE CO 375766102 522 12,666 SH X 12,066 600
GILLETTE CO 375766102 334 8,120 SH X X 5,720 2,400
GLATFELTER P H CO 377316104 510 35,000 SH X 35,000
GLIMCHER REALTY TRUST 379302102 153 11,904 SH X 11,904
GOVERNOR LIMITED DURATION 383757408 49,902 5,144,575 SH X 5,100,360 16,360 27,854
GOVERNMENT SECURITIES FUND
GOVERNOR LIMITED DURATION 383757408 1,353 139,528 SH X X 16,318 121,447 1,761
GOVERNMENT SECURITIES FUND
-------
PAGE TOTAL 107,294
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 9
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 58,313 6,011,600 SH X 5,942,178 38,410 31,010
BOND FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 10,105 1,041,738 SH X X 184,400 847,878 9,459
BOND FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 261,497 28,361,964 SH X 28,140,616 88,966 132,382
FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 6,312 684,548 SH X X 162,595 473,417 48,534
FUND
HALLIBURTON CO 406216101 1,945 48,333 SH X 47,258 525 550
HALLIBURTON CO 406216101 368 9,139 SH X X 1,500 7,452 187
HARTFORD FINANCIAL SERVICES GROUP 416515104 147 3,100 SH X 3,100
INC
HARTFORD FINANCIAL SERVICES GROUP 416515104 95 2,006 SH X X 1,000 1,006
INC
HEINZ H J CO 423074103 2,016 50,640 SH X 47,890 750 2,000
HEINZ H J CO 423074103 361 9,075 SH X X 2,250 6,825
HERCULES INC 427056106 173 6,190 SH X 6,190
HERCULES INC 427056106 54 1,941 SH X X 1,941
HERSHEY FOODS CORP 427866108 1,528 32,209 SH X 32,209
HERSHEY FOODS CORP 427866108 747 15,740 SH X X 9,400 6,340
HEWLETT PACKARD CO 428236103 1,044 9,181 SH X 7,881 1,300
HEWLETT PACKARD CO 428236103 142 1,250 SH X X 400 850
HOME DEPOT INC 437076102 52 500 SH X 500
HOME DEPOT INC 437076102 567 5,501 SH X X 4,201 1,300
HONEYWELL INTL INC 438516106 914 15,840 SH X 15,840
HONEYWELL INTL INC 438516106 12 200 SH X X 200
HUMAN GENOME SCIENCES INC 444903108 229 1,500 SH X X 1,500
HUNTINGTON BANCSHARES INC 446150104 194 8,125 SH X 8,125
HUNTINGTON BANCSHARES INC 446150104 79 3,327 SH X X 3,327
HUTCHINSON TECHNOLOGY INC 448407106 608 28,600 SH X 28,600
INTEGRA LIFESCIENCES HOLDING CORP 457985208 112 19,000 SH X 19,000
-------
PAGE TOTAL 347,614
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 10
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
INTEL CORP 458140100 12,237 148,659 SH X 145,284 3,225 150
INTEL CORP 458140100 1,147 13,940 SH X X 8,320 5,620
INTERDIGITAL COMMUNICATIONS CORP 45866A105 1,500 20,000 SH X 20,000
FEDERATED #78 INTERMEDIATE MUNI 458810108 329 32,906 SH X 32,906
FUND
INTERNATIONAL BUSINESS MACHINES 459200101 7,277 67,454 SH X 64,429 1,900 1,125
CORP
INTERNATIONAL BUSINESS MACHINES 459200101 2,726 25,272 SH X X 12,248 13,024
CORP
INTERNATIONAL PAPER CO 460146103 1,546 27,392 SH X 27,392
INTERNATIONAL PAPER CO 460146103 181 3,200 SH X X 3,200
JLG INDUSTRIES INC 466210101 332 20,842 SH X 20,842
JOHNSON & JOHNSON 478160104 5,793 62,123 SH X 60,773 1,100 250
JOHNSON & JOHNSON 478160104 1,114 11,947 SH X X 8,547 3,400
KEYSTONE FINANCIAL INC 493482103 46,070 2,187,259 SH X 1,243,622 943,637
KEYSTONE FINANCIAL INC 493482103 6,606 313,618 SH X X 103,912 209,706
KIMBERLY CLARK CORP 494368103 487 7,444 SH X 6,718 726
KIMBERLY CLARK CORP 494368103 232 3,550 SH X X 3,550
LEGGETT & PLATT INC 524660107 435 20,300 SH X 20,300
LILLY ELI & CO 532457108 1,427 21,465 SH X 20,265 1,200
LILLY ELI & CO 532457108 43 650 SH X X 650
LIMITED INC 532716107 217 5,000 SH X X 5,000
LINEAR TECHNOLOGY CORP 535678106 673 9,400 SH X 9,400
LINEAR TECHNOLOGY CORP 535678106 86 1,200 SH X X 1,200
LITTON INDUSTRIES INC 538021106 212 4,255 SH X 4,255
LOCKHEED MARTIN CORP 539830109 348 15,900 SH X 15,900
LOWE'S COMPANIES INC 548661107 258 4,325 SH X 3,975 350
LOWE'S COMPANIES INC 548661107 42 700 SH X X 700
-------
PAGE TOTAL 91,318
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 11
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
LUCENT TECHNOLOGIES INC 549463107 15,970 212,932 SH X 204,454 7,828 650
LUCENT TECHNOLOGIES INC 549463107 2,300 30,661 SH X X 20,625 10,036
MCI WORLDCOM INC 55268B106 4,195 52,710 SH X 52,576 134
MCI WORLDCOM INC 55268B106 435 5,469 SH X X 2,723 2,746
MFS PENNSYLVANIA MUNICIPAL BOND 55273N798 149 16,142 SH X 16,142
FUND A
MAIN STREET BANCORP INC 559906102 462 46,784 SH X 46,784
MAY DEPARTMENT STORES CO INC 577778103 292 9,062 SH X 8,522 540
MAY DEPARTMENT STORES CO INC 577778103 24 750 SH X X 750
MCDONALDS CORP 580135101 1,300 32,250 SH X 30,850 1,400
MCDONALDS CORP 580135101 240 5,956 SH X X 2,338 3,618
MEDIAONE GROUP INC 58440J104 875 11,391 SH X 11,091 300
MEDIAONE GROUP INC 58440J104 608 7,915 SH X X 6,594 1,321
MEDTRONIC INC 585055106 1,815 49,819 SH X 48,819 1,000
MEDTRONIC INC 585055106 131 3,600 SH X X 3,600
MELLON FINANCIAL CORP 58551A108 223 6,540 SH X 6,540
MELLON FINANCIAL CORP 58551A108 266 7,812 SH X X 2,672 1,140 4,000
MERCK & COMPANY INC 589331107 9,560 142,288 SH X 136,808 2,200 3,280
MERCK & COMPANY INC 589331107 1,965 29,250 SH X X 12,250 17,000
MICROSOFT CORP 594918104 7,453 63,840 SH X 63,505 260 75
MICROSOFT CORP 594918104 429 3,675 SH X X 2,100 1,575
MINNESOTA MINING & MANUFACTURING 604059105 1,430 14,609 SH X 14,409 200
CO
MINNESOTA MINING & MANUFACTURING 604059105 210 2,142 SH X X 448 1,390 304
CO
MONSANTO CO 611662107 1,703 48,055 SH X 46,555 1,500
MONSANTO CO 611662107 183 5,150 SH X X 5,150
MORGAN J P & CO INC 616880100 934 7,375 SH X 7,055 320
-------
PAGE TOTAL 53,152
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 12
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
MORGAN J P & CO INC 616880100 51 400 SH X X 300 100
MORGAN STANLEY DEAN WITTER & CO 617446448 2,779 19,464 SH X 19,164 300
MORGAN STANLEY DEAN WITTER & CO 617446448 429 3,002 SH X X 2,682 320
MOTOROLA INC 620076109 6,430 43,664 SH X 41,914 1,350 400
MOTOROLA INC 620076109 250 1,700 SH X X 1,000 700
MUTUAL CONSUMER DISCOUNT CO 628247892 8 13,780 SH X 13,780
CLASS A
NATIONAL CITY CORP 635405103 118 4,980 SH X 4,180 800
NATIONAL CITY CORP 635405103 99 4,200 SH X X 4,200
NEOSE TECHNOLOGIES INC 640522108 155 10,800 SH X 10,800
NEW CENTURY ENERGIES INC 64352U103 582 19,165 SH X 19,165
NEW CENTURY ENERGIES INC 64352U103 30 1,000 SH X X 1,000
NEW ENGLAND MUNICIPAL INCOME FUND A 644036600 108 15,000 SH X 15,000
NICOR INC 654086107 208 6,400 SH X 6,300 100
NICOR INC 654086107 4 130 SH X X 130
NIKE INC C/B 654106103 672 13,565 SH X 13,315 250
NORFOLK SOUTHERN CORP 655844108 346 16,866 SH X 16,866
NORFOLK SOUTHERN CORP 655844108 181 8,810 SH X X 7,281 900 629
NORTEL NETWORKS CORP 656569100 358 3,545 SH X 3,545
NORTEL NETWORKS CORP 656569100 10 100 SH X X 100
OMEGA FINANCIAL CORP 682092101 137 4,708 SH X 4,708
OMEGA FINANCIAL CORP 682092101 527 18,183 SH X X 12,000 6,183
ORACLE CORPORATION 68389X105 265 2,361 SH X 2,361
PECO ENERGY CO 693304107 281 8,072 SH X 8,072
PECO ENERGY CO 693304107 22 625 SH X X 78 547
PNC BANK CORP 693475105 2,810 63,141 SH X 58,770 4,371
----------
PAGE TOTAL 16,860
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 13
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
PNC BANK CORP 693475105 339 7,625 SH X X 2,470 5,155
P P & L RESOURCES INC 693499105 3,523 154,001 SH X 149,251 1,600 3,150
P P & L RESOURCES INC 693499105 218 9,525 SH X X 2,650 6,875
PPG INDUSTRIES INC 693506107 3,178 50,795 SH X 50,695 100
PPG INDUSTRIES INC 693506107 178 2,840 SH X X 1,376 1,464
PALL CORP 696429307 216 10,000 SH X X 10,000
PEPSICO INC 713448108 2,812 79,767 SH X 78,767 200 800
PEPSICO INC 713448108 481 13,648 SH X X 6,948 6,700
PHARMACIA & UPJOHN INC 716941109 238 5,295 SH X 5,295
PFIZER INC 717081103 3,683 113,546 SH X 110,396 2,400 750
PFIZER INC 717081103 837 25,800 SH X X 20,400 5,400
PHELPS DODGE CORP 717265102 480 7,125 SH X 7,025 100
PHELPS DODGE CORP 717265102 16 242 SH X X 225 17
PHILIP MORRIS COMPANIES INC 718154107 2,242 97,467 SH X 96,867 600
PHILIP MORRIS COMPANIES INC 718154107 304 13,199 SH X X 3,300 9,899
PHILLIPS PETROLEUM CO 718507106 603 12,840 SH X 12,840
PHILLIPS PETROLEUM CO 718507106 5 100 SH X X 100
PICTURETEL CORP 720035302 47 11,000 SH X 11,000
PROSPERITY DEVELOPMENT COMPANY 7213760Y8 194 5 SH X 5
PROSPERITY DEVELOPMENT COMPANY 7213760Y8 705 19 SH X X 19
PITNEY BOWES 724479100 209 4,325 SH X 4,325
PITNEY BOWES 724479100 502 10,400 SH X X 10,400
PROCTER & GAMBLE CO 742718109 5,519 50,376 SH X 49,451 750 175
PROCTER & GAMBLE CO 742718109 730 6,660 SH X X 2,560 4,100
PRUDENTIAL MUNICIPAL PA FUND B 74435M887 111 11,374 SH X 11,374
-------
PAGE TOTAL 27,370
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 14
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 549 15,776 SH X 15,776
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 143 4,102 SH X X 4,102
RAYTHEON CO CL B 755111408 678 25,525 SH X 24,525 1,000
RAYTHEON CO CL B 755111408 5 200 SH X X 200
ROHM & HAAS 775371107 418 10,269 SH X 10,269
ROHM & HAAS 775371107 45 1,097 SH X X 1,097
T ROWE PRICE MARYLAND TAX FREE 77957R101 297 30,011 SH X 30,011
BOND FUND #87
T ROWE PRICE MARYLAND TAX FREE 77957R101 10 1,009 SH X X 1,009
BOND FUND #87
T ROWE PRICE SHORT TERM TAX FREE 77957R606 190 37,574 SH X 37,574
BOND FUND #90
T ROWE PRICE SHORT TERM TAX FREE 77957R606 16 3,083 SH X X 3,083
BOND FUND #90
ROWLAND LAND COMPANY, LTD 779665405 2,179 2,758 SH X 2,758
LIMITED PARTNERSHIP
SBC COMMUNICATIONS INC 78387G103 6,731 138,073 SH X 136,235 1,838
SBC COMMUNICATIONS INC 78387G103 2,273 46,621 SH X X 33,400 13,221
SARA LEE CORP 803111103 817 37,048 SH X 37,048
SARA LEE CORP 803111103 101 4,600 SH X X 4,600
SCHERING-PLOUGH CORP 806605101 1,829 43,154 SH X 41,454 1,700
SCHERING-PLOUGH CORP 806605101 470 11,100 SH X X 5,600 5,500
SCHLUMBERGER LTD 806857108 383 6,825 SH X 6,425 400
SCHLUMBERGER LTD 806857108 45 800 SH X X 800
SCHWAB CHARLES CORP NEW 808513105 1,703 44,520 SH X 42,920 1,400 200
SCHWAB CHARLES CORP NEW 808513105 76 1,980 SH X X 1,980
SEARS ROEBUCK & CO 812387108 250 8,234 SH X 8,234
SEARS ROEBUCK & CO 812387108 92 3,036 SH X X 3,010 26
SELECTIVE INSURANCE GROUP 816300107 309 18,004 SH X 18,004
SELECTIVE INSURANCE GROUP 816300107 15 900 SH X X 900
-------
PAGE TOTAL 19,624
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 15
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
SOLECTRON CORP 834182107 812 8,535 SH X 8,535
SOLECTRON CORP 834182107 38 400 SH X X 400
THE SOUTHERN CO 842587107 483 20,538 SH X 20,538
THE SOUTHERN CO 842587107 19 800 SH X X 800
SPRINT CORP 852061100 5,144 76,426 SH X 72,296 4,130
SPRINT CORP 852061100 256 3,800 SH X X 200 3,600
SPRINT CORP (PCS GRP) 852061506 1,639 15,989 SH X 14,989 1,000
SPRINT CORP (PCS GRP) 852061506 77 750 SH X X 50 700
STANLEY WORKS 854616109 209 6,950 SH X X 6,950
STATE STREET CORP 857477103 3,346 45,790 SH X 45,790
STATE STREET CORP 857477103 1,461 20,000 SH X X 20,000
STRYKER CORP 863667101 303 4,350 SH X 4,350
STRYKER CORP 863667101 174 2,500 SH X X 1,000 1,500
SUMMIT BANCORP 866005101 323 10,534 SH X 10,534
SUMMIT BANCORP 866005101 17 569 SH X X 569
SUN MICROSYSTEMS INC 866810104 9,214 118,990 SH X 115,370 820 2,800
SUN MICROSYSTEMS INC 866810104 294 3,800 SH X X 2,800 1,000
SUNTRUST BANKS INC 867914103 306 4,442 SH X 4,442
SUSQUEHANNA BANCSHARES INC 869099101 480 30,241 SH X 20,411 9,830
SUSQUEHANNA BANCSHARES INC 869099101 84 5,317 SH X X 1,098 4,219
SYNCOR INTERNATIONAL CORP 87157J106 280 9,600 SH X 9,600
TECO ENERGY INC 872375100 72 3,900 SH X 3,900
TECO ENERGY INC 872375100 117 6,300 SH X X 300 6,000
TF FINANCIAL CORP 872391107 133 10,000 SH X 10,000
TEXACO INC 881694103 1,281 23,586 SH X 23,386 200
-------
PAGE TOTAL 26,562
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 16
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
TEXACO INC 881694103 250 4,600 SH X X 1,800 2,800
TEXAS INSTRUMENTS INC 882508104 2,517 26,050 SH X 26,050
TEXAS INSTRUMENTS INC 882508104 23 240 SH X X 240
TEXAS UTILITIES CO 882848104 173 4,867 SH X 4,867
HLDG CO
TEXAS UTILITIES CO 882848104 43 1,200 SH X X 1,200
HLDG CO
TEXTRON INC 883203101 1,712 22,318 SH X 22,318
TEXTRON INC 883203101 77 1,000 SH X X 1,000
TIME WARNER INC 887315109 606 8,375 SH X 8,375
TIME WARNER INC 887315109 858 11,860 SH X X 11,060 800
TRICON GLOBAL RESTAURANTS INC 895953107 171 4,440 SH X 4,440
TRICON GLOBAL RESTAURANTS INC 895953107 33 844 SH X X 184 660
TYCO INTL LTD NEW 902124106 4,385 112,424 SH X 111,674 750
TYCO INTL LTD NEW 902124106 4,891 125,404 SH X X 63,358 62,046
UST INC 902911106 121 4,800 SH X 4,800
UST INC 902911106 91 3,600 SH X X 3,600
US BANCORP DEL 902973106 102 4,303 SH X 3,803 500
US BANCORP DEL 902973106 175 7,350 SH X X 1,050 6,300
USA NETWORKS INC 902984103 227 4,100 SH X X 4,100
US FOODSERVICE 90331R101 448 26,725 SH X 26,425 300
US FOODSERVICE 90331R101 45 2,700 SH X X 2,700
UNIFI INC 904677101 535 43,475 SH X 43,475
UNION CARBIDE CORP 905581104 623 9,327 SH X 9,327
UNION CARBIDE CORP 905581104 15 225 SH X X 225
UNION PACIFIC CORP 907818108 658 15,062 SH X 15,062
UNION PACIFIC CORP 907818108 134 3,060 SH X X 1,860 1,200
-------
PAGE TOTAL 18,913
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 17
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
UNION PACIFIC RESOURCES GROUP 907834105 131 10,245 SH X 10,245
UNITED HEALTHCARE CORP 910581107 180 3,390 SH X 3,390
UNITED HEALTHCARE CORP 910581107 27 500 SH X X 500
US WEST INC NEW 91273H101 2,436 33,833 SH X 33,433 400
US WEST INC NEW 91273H101 653 9,073 SH X X 6,478 2,595
UNITED TECHNOLOGIES CORP 913017109 1,082 16,650 SH X 16,650
UNITED TECHNOLOGIES CORP 913017109 104 1,600 SH X X 1,600
UNITRIN INC 913275103 366 9,740 SH X 9,740
VALLEY NATIONAL BANCORP 919794107 1,020 36,435 SH X 36,435
VALSPAR CORP 920355104 218 5,210 SH X 5,210
VAN KAMPEN PA TAX-FREE INCOME FUND 920902103 288 17,615 SH X 17,615
CL A
VAN KAMPEN US GOVERNMENT FUND INC 921129102 73 5,381 SH X 5,381
CL A
VAN KAMPEN US GOVERNMENT FUND INC 921129102 100 7,401 SH X X 7,401
CL A
VANGUARD #77 PA TAX-FREE INSD LONG 92204L104 463 43,948 SH X 43,948
TERM PORTFOLIO
VANGUARD #43 MUNICIPAL BOND FUND 922907308 214 20,798 SH X 20,798
LONG TERM PORTFOLIO
WACHOVIA CORP 929771103 230 3,385 SH X 3,385
WAL MART STORES INC 931142103 1,568 22,680 SH X 22,480 200
WAL MART STORES INC 931142103 111 1,600 SH X X 1,600
WALGREEN CO 931422109 2,723 93,085 SH X 92,160 925
WALGREEN CO 931422109 252 8,600 SH X X 2,800 5,800
WARNER LAMBERT CO 934488107 4,687 57,201 SH X 55,901 1,200 100
WARNER LAMBERT CO 934488107 1,225 14,949 SH X X 13,422 1,527
WELLS FARGO COMPANY 949746101 483 11,950 SH X 11,950
WENDY'S INTERNATIONAL INC 950590109 630 30,272 SH X 30,272
WILLIAMS COMPANIES INC 969457100 1,769 57,878 SH X 55,828 825 1,225
----------
PAGE TOTAL 21,033
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 01/11/00 PAGE 18
AS OF 12/31/99
- - - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
WILLIAMS COMPANIES INC 969457100 104 3,400 SH X X 3,400
XEROX CORP 984121103 785 34,580 SH X 34,580
XEROX CORP 984121103 14 600 SH X X 600
----------
PAGE TOTAL 903
FINAL TOTALS 941,173
</TABLE>
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