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<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: 6/30/00
---------------
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 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: Bonnie E. Long
----------------------------------------------
Title: Trust Operations Officer
----------------------------------------------
Phone: (814) 944-1195
----------------------------------------------
Signature, Place, and Date of signing:
/s/ Bonnie E. Long Altoona PA 7/26/00
--------------------------- -------------------------- --------------------
[Signature] [City, State] [Date]
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).)
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-
------------------- ---------------------------
[Repeat as necessary.]
--------------------------------------------------------------------------------
Form 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers:
----------------
Form 13F Information Table Entry Total:
----------------
Form 13F Information Table Value Total: $
----------------
(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.
[If there are no entries in this list, state "NONE" and omit the column headings
and list entries.]
No. Form 13F File Number Name
28-
---- -------------------- --------------------
[Repeat as necessary.]
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 1
AS OF 06/30/00
- - - - - 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>
AFLAC CORP 001055102 356 7,750 SH X 7,750
AFLAC CORP 001055102 41 900 SH X X 900
A T & T CORP 001957109 6,787 213,331 SH X 205,981 5,850 1,500
A T & T CORP 001957109 1,342 42,193 SH X X 25,907 16,286
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 278 11,420 SH X 11,420
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 2,352 96,496 SH X X 96,496
AT & T CORP - LIBERTY MEDIA GROUP B 001957307 879 27,040 SH X X 27,040
A.S.V. INC 001963107 147 10,200 SH X 10,200
ABBOTT LABORATORIES 002824100 8,895 199,595 SH X 191,470 3,300 4,825
ABBOTT LABORATORIES 002824100 852 19,116 SH X X 2,150 16,966
AFFILIATED COMPUTER SERVICES INC CL 008190100 271 8,177 SH X 5,477 2,700
A
AGILENT TECHNOLOGIES INC 00846U101 760 10,307 SH X 10,307
COM
AGILENT TECHNOLOGIES INC 00846U101 35 475 SH X X 475
COM
AIR PRODUCTS & CHEMICALS INC 009158106 876 28,250 SH X 28,250
AIR PRODUCTS & CHEMICALS INC 009158106 94 3,040 SH X X 3,040
ALBERTSONS INC 013104104 432 13,001 SH X 13,001
ALBERTSONS INC 013104104 2 60 SH X X 60
ALCOA INC 013817101 536 18,496 SH X 18,496
ALCOA INC 013817101 5 188 SH X X 188
ALLEGHENY ENERGY INC 017361106 296 10,560 SH X 10,060 500
ALLEGHENY ENERGY INC 017361106 191 6,834 SH X X 6,834
ALLSTATE CORPORATION 020002101 242 10,868 SH X 10,498 370
COM
ALLSTATE CORPORATION 020002101 20 912 SH X X 462 450
COM
ALLTEL CORP 020039103 730 11,790 SH X 11,642 148
ALLTEL CORP 020039103 403 6,500 SH X X 5,500 1,000
----------
PAGE TOTAL 26,822
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 2
AS OF 06/30/00
- - - - - 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>
ALZA CORP COMMON 022615108 216 3,650 SH X 200 3,450
AMERICA ONLINE INC 02364J104 1,666 31,660 SH X 30,260 1,400
AMERICA ONLINE INC 02364J104 284 5,400 SH X X 3,600 1,800
AMERICAN EXPRESS 025816109 579 11,106 SH X 11,106
AMERICAN EXPRESS 025816109 141 2,700 SH X X 1,200 1,500
AMERICAN GENERAL CORP 026351106 583 9,559 SH X 9,559
AMERICAN GENERAL CORP 026351106 201 3,300 SH X X 3,300
AMERICAN HOME PRODUCTS INC 026609107 4,934 83,982 SH X 83,932 50
AMERICAN HOME PRODUCTS INC 026609107 1,233 20,980 SH X X 4,800 16,180
AMERICAN INTERNATIONAL GROUP INC 026874107 1,014 8,630 SH X 8,568 62
AMERICAN INTERNATIONAL GROUP INC 026874107 270 2,297 SH X X 2,297
AMGEN INC 031162100 2,278 32,430 SH X 32,280 150
AMGEN INC 031162100 133 1,900 SH X X 1,600 300
ANALOG DEVICES INC 032654105 975 12,825 SH X 12,825
ANHEUSER BUSCH COS INC 035229103 687 9,200 SH X 9,200
APPLIED MATERIALS INC 038222105 165 1,825 SH X 1,825
APPLIED MATERIALS INC 038222105 36 400 SH X X 400
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 166 7,452 SH X 7,348 104
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 37 1,650 SH X X 1,436 214
AUTOMATIC DATA PROCESSING INC 053015103 2,354 43,944 SH X 41,744 2,200
BAKER HUGHES INC 057224107 382 11,958 SH X 11,958
BANK OF AMERICA CORP 060505104 1,460 33,652 SH X 33,652
BANK OF AMERICA CORP 060505104 1 28 SH X X 28
BANK OF NEW YORK 064057102 2,449 52,674 SH X 52,674
BANK OF NEW YORK 064057102 74 1,600 SH X X 1,600
----------
PAGE TOTAL 22,318
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 3
AS OF 06/30/00
- - - - - 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>
BANK ONE CORP 06423A103 358 13,461 SH X 13,461
BAXTER INTERNATIONAL INC 071813109 723 10,282 SH X 10,282
BAXTER INTERNATIONAL INC 071813109 108 1,539 SH X X 1,539
BELL ATLANTIC CORP 077853109 8,886 174,453 SH X 165,402 2,151 6,900
BELL ATLANTIC CORP 077853109 1,458 28,618 SH X X 20,098 8,520
BELLSOUTH CORP 079860102 7,620 178,772 SH X 173,824 4,948
BELLSOUTH CORP 079860102 1,747 40,992 SH X X 20,166 20,826
BESTFOODS 08658U101 1,970 28,446 SH X 28,446
BESTFOODS 08658U101 59 848 SH X X 448 400
BLACKROCK PENN TAX FR INC-I 091928622 220 21,025 SH X 21,025
BOEING COMPANY 097023105 1,025 24,522 SH X 24,522
BOEING COMPANY 097023105 42 1,000 SH X X 1,000
BRISTOL MYERS SQUIBB CO 110122108 5,468 93,869 SH X 91,069 2,800
BRISTOL MYERS SQUIBB CO 110122108 1,560 26,780 SH X X 14,740 12,040
BROADWING INC 111620100 811 31,125 SH X 31,125
BURLINGTON NORTHERN SANTA FE INC 12189T104 385 16,570 SH X 16,570
BURLINGTON NORTHERN SANTA FE INC 12189T104 33 1,400 SH X X 1,250 150
C-COR.NET CORP 125010108 168 6,220 SH X 6,220
C-COR.NET CORP 125010108 2,517 93,222 SH X X 89,222 4,000
C P & L ENERGY INC 12614C106 129 4,026 SH X 4,026
COM
C P & L ENERGY INC 12614C106 86 2,700 SH X X 2,700
COM
CSX CORP 126408103 281 13,269 SH X 13,069 200
CSX CORP 126408103 114 5,365 SH X X 2,500 2,325 540
CAPITAL ONE FINANCIAL CORP 14040H105 214 4,800 SH X 2,500 2,300
CARLISLE COMPANIES INC 142339100 1,247 27,700 SH X 27,700
----------
PAGE TOTAL 37,229
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 4
AS OF 06/30/00
- - - - - 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>
CARLISLE COMPANIES INC 142339100 18 408 SH X X 408
CARNIVAL CORPORATION 143658102 2,129 109,175 SH X 108,925 250
CARNIVAL CORPORATION 143658102 32 1,650 SH X X 1,650
CATERPILLAR INC 149123101 393 11,600 SH X 11,500 100
CATERPILLAR INC 149123101 20 600 SH X X 600
CHASE MANHATTAN CORP NEW 16161A108 2,501 54,306 SH X 51,718 900 1,687
CHASE MANHATTAN CORP NEW 16161A108 28 600 SH X X 600
CHEVRON CORP 166751107 1,045 12,299 SH X 11,599 700
CHEVRON CORP 166751107 238 2,806 SH X X 600 2,206
CIRCUIT CITY STORES-CIRCUIT CITY 172737108 672 20,250 SH X 20,100 150
GROUP
CIRCUIT CITY STORES-CIRCUIT CITY 172737108 7 200 SH X X 200
GROUP
CISCO SYSTEMS INC 17275R102 11,964 188,230 SH X 187,490 60 680
CISCO SYSTEMS INC 17275R102 1,998 31,440 SH X X 26,400 5,040
CITIGROUP INC 172967101 5,750 95,146 SH X 93,593 1,553
CITIGROUP INC 172967101 607 10,047 SH X X 6,572 3,475
CITRIX SYSTEMS INC 177376100 1,003 52,965 SH X 52,965
CITRIX SYSTEMS INC 177376100 62 3,300 SH X X 1,900 1,400
CLEAR CHANNEL COMMUNICATIONS INC 184502102 225 3,000 SH X X 3,000
COASTAL CORP 190441105 1,421 23,350 SH X 23,000 350
COCA COLA 191216100 4,325 75,297 SH X 68,997 1,950 4,350
COCA COLA 191216100 1,458 25,377 SH X X 23,662 1,715
COLGATE-PALMOLIVE CO 194162103 1,361 22,728 SH X 22,728
COLGATE-PALMOLIVE CO 194162103 479 8,000 SH X X 8,000
COLORADO MEDTECH INC 19652U104 115 18,200 SH X 5,500 12,700
COMMUNITY BKS INC MILLERSBURG PA 203628102 377 18,059 SH X 18,059
----------
PAGE TOTAL 38,228
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 5
AS OF 06/30/00
- - - - - 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>
COMPAQ COMPUTER CORP 204493100 749 29,282 SH X 26,182 3,100
COMPAQ COMPUTER CORP 204493100 125 4,900 SH X X 4,150 750
COMPUTER ASSOCIATES 204912109 452 8,833 SH X 6,733 2,100
COMPUTER ASSOCIATES 204912109 41 800 SH X X 500 300
COMPUTER NETWORK TECHNOLOGY CORP 204925101 847 48,750 SH X 41,500 7,250
COMPUWARE CORP 205638109 810 78,075 SH X 63,375 14,700
COMPUWARE CORP 205638109 94 9,050 SH X X 7,100 1,950
CONAGRA INC 205887102 1,356 71,144 SH X 67,744 1,400 2,000
CONECTIV INC 206829103 119 7,648 SH X 7,648
CONECTIV INC 206829103 55 3,550 SH X X 3,550
CONEXANT SYSTEMS INC 207142100 209 4,308 SH X 4,308
CONEXANT SYSTEMS INC 207142100 7 144 SH X X 144
CONOCO INC CL B 208251405 359 14,615 SH X 14,615
CONSOLIDATED EDISON INC 209115104 416 14,039 SH X 14,039
CONSOLIDATED EDISON INC 209115104 33 1,100 SH X X 500 600
CONSTELLATION ENERGY GROUP 210371100 1,657 50,875 SH X 50,875
CONSTELLATION ENERGY GROUP 210371100 401 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 208 27,519 SH X 27,519
CLASS
DELAWARE GROUP TAX FREE PA FUND A 233216100 69 9,064 SH X X 9,064
CLASS
DQE INC 23329J104 245 6,215 SH X 5,915 300
DANAHER CORP 235851102 1,597 32,300 SH X 29,550 50 2,700
----------
PAGE TOTAL 11,974
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 6
AS OF 06/30/00
- - - - - 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>
DANAHER CORP 235851102 49 1,000 SH X X 500 500
DEERE & CO 244199105 601 16,246 SH X 16,146 100
DEERE & CO 244199105 44 1,200 SH X X 700 500
DELL COMPUTER CORP 247025109 1,690 34,265 SH X 27,765 6,500
DELL COMPUTER CORP 247025109 20 400 SH X X 400
DIGI INTERNATIONAL INC 253798102 65 10,000 SH X 10,000
DISNEY (WALT) COMPANY HOLDING CO 254687106 5,102 131,457 SH X 126,632 1,350 3,475
DISNEY (WALT) COMPANY HOLDING CO 254687106 1,205 31,050 SH X X 27,200 3,850
DOMINION RESOURCES INC VA 25746U109 622 14,509 SH X 14,509
DOMINION RESOURCES INC VA 25746U109 169 3,937 SH X X 1,211 1,999 727
DOVER CORP 260003108 450 11,100 SH X 11,100
DOVER CORP 260003108 373 9,200 SH X X 9,200
DOW CHEMICAL 260543103 2,127 69,464 SH X 67,559 1,905
DOW CHEMICAL 260543103 230 7,500 SH X X 3,000 4,500
DUPONT E I DE NEMOURS & COMPANY 263534109 4,345 98,855 SH X 92,689 2,270 3,896
DUPONT E I DE NEMOURS & COMPANY 263534109 293 6,670 SH X X 5,445 1,225
DUKE ENERGY CORP 264399106 508 8,947 SH X 8,947
DUKE ENERGY CORP 264399106 106 1,865 SH X X 1,233 632
EMC CORP MASS 268648102 8,310 107,917 SH X 105,057 60 2,800
EMC CORP MASS 268648102 447 5,800 SH X X 3,000 2,800
EASTMAN KODAK CO 277461109 215 3,609 SH X 3,359 250
EASTMAN KODAK CO 277461109 97 1,625 SH X X 1,275 300 50
EATON CORP 278058102 912 13,617 SH X 12,617 350 650
EL PASO ENERGY CORP 283905107 345 6,778 SH X 3,478 3,300
EMERSON ELECTRIC 291011104 1,429 23,669 SH X 23,669
----------
PAGE TOTAL 29,754
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 7
AS OF 06/30/00
- - - - - 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>
EMERSON ELECTRIC 291011104 48 800 SH X X 200 600
ENRON CORP 293561106 226 3,500 SH X 3,500
ENRON CORP 293561106 218 3,380 SH X X 380 3,000
EXXON MOBIL CORP 30231G102 21,338 271,827 SH X 268,843 2,984
EXXON MOBIL CORP 30231G102 5,038 64,177 SH X X 17,068 32,515 14,594
FPL GROUP INC 302571104 1,266 25,475 SH X 25,275 200
FPL GROUP INC 302571104 70 1,400 SH X X 1,400
FEDERAL HOME LOAN MTGE CORP 313400301 215 5,300 SH X 5,300
FANNIE MAE 313586109 3,207 61,295 SH X 59,545 1,750
FANNIE MAE 313586109 406 7,770 SH X X 5,300 2,470
FEDERATED PA MUNI INCOME FUND A #311 313923708 1,808 166,183 SH X 166,183
FEDERATED PA MUNI INCOME FUND A #311 313923708 105 9,658 SH X X 9,658
FEDERATED #9 US GOVT SEC (1-3 YRS) 31428M100 498 48,379 SH X 48,379
FEDERATED #47 U.S. GOVERNMENT SEC 31428P103 369 35,489 SH X 26,242 9,246
(2-5 YRS) FUND
FEDEX CORP 31428X106 462 12,150 SH X 12,150
FIRST LEESPORT BANCORP 320682107 647 42,947 SH X 10,347 32,600
FIRST SENTINEL BANCORP INC 33640T103 82 10,000 SH X 10,000
FIRST UNION CORP N CAROLINA 337358105 4,470 180,129 SH X 178,529 700 900
FIRST UNION CORP N CAROLINA 337358105 718 28,955 SH X X 10,440 17,705 810
FIRST UNITED CORP 33741H107 166 15,267 SH X 15,267
FIRST UNITED CORP 33741H107 51 4,677 SH X X 2,627 2,050
FIRST VIRGINIA BANKS INC 337477103 209 6,000 SH X X 1,500 4,500
FLEETBOSTON FINANCIAL CORP 339030108 1,287 37,853 SH X 35,453 2,400
FLEETBOSTON FINANCIAL CORP 339030108 227 6,678 SH X X 3,326 3,352
FLORIDA PROGRESS CORP 341109106 218 4,650 SH X 4,650
----------
PAGE TOTAL 43,349
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 8
AS OF 06/30/00
- - - - - 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>
FLORIDA PROGRESS CORP 341109106 80 1,700 SH X X 200 1,500
FORD MOTOR 345370100 959 22,295 SH X 21,895 400
FORD MOTOR 345370100 201 4,663 SH X X 3,448 1,215
FRANKLIN FINL SVCS CORP 353525108 354 21,197 SH X 14,197 7,000
FRANKLIN TAX FREE TR PA TAX FREE 354723801 318 32,604 SH X 32,604
INCOME FUND
FULTON FINANCIAL INC 360271100 1,007 56,934 SH X 35,912 21,022
FULTON FINANCIAL INC 360271100 521 29,455 SH X X 29,455
GTE CORP 362320103 5,124 82,309 SH X 81,759 300 250
GTE CORP 362320103 1,260 20,238 SH X X 7,348 12,890
GAP INC 364760108 1,720 55,026 SH X 49,876 1,025 4,125
GAP INC 364760108 47 1,500 SH X X 1,500
GENERAL ELECTRIC CO 369604103 35,495 677,703 SH X 649,318 13,950 14,435
GENERAL ELECTRIC CO 369604103 9,830 187,690 SH X X 99,840 87,850
GENERAL MILLS INC 370334104 247 6,470 SH X 6,470
GENERAL MILLS INC 370334104 15 400 SH X X 400
GENERAL MOTORS CORP 370442105 769 13,255 SH X 13,055 200
GENERAL MOTORS CORP 370442105 132 2,278 SH X X 1,468 810
GENERAL MOTORS CORP CL H NEW 370442832 155 1,762 SH X 1,762
GENERAL MOTORS CORP CL H NEW 370442832 48 545 SH X X 263 282
GENESIS HEALTH VENTURES INC 371912106 2 10,500 SH X 10,500
GENRAD INC 372447102 141 15,700 SH X 4,500 11,200
GILLETTE CO 375766102 1,396 39,966 SH X 39,366 600
GILLETTE CO 375766102 285 8,170 SH X X 5,420 2,750
GLATFELTER P H CO 377316104 331 32,500 SH X 32,500
GLIMCHER REALTY TRUST 379302102 171 11,904 SH X 11,904
----------
PAGE TOTAL 60,608
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 9
AS OF 06/30/00
- - - - - 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>
GOVERNOR LIMITED DURATION 383757408 70,898 7,316,612 SH X 7,246,106 24,404 46,100
GOVERNMENT SECURITIES FUND
GOVERNOR LIMITED DURATION 383757408 1,064 109,756 SH X X 18,441 89,367 1,946
GOVERNMENT SECURITIES FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 72,395 7,409,903 SH X 7,368,214 25,851 15,837
BOND FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 14,760 1,510,788 SH X X 201,317 1,301,311 8,159
BOND FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 235,303 25,632,163 SH X 25,378,010 121,384 132,768
FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 6,568 715,489 SH X X 142,988 526,973 45,527
FUND
HALIFAX NATIONAL BANK OF PA 405846106 360 720 SH X 720
HALLIBURTON CO 406216101 2,163 45,831 SH X 44,756 525 550
HALLIBURTON CO 406216101 452 9,587 SH X X 1,500 7,900 187
HARTFORD FINANCIAL SERVICES GROUP 416515104 39 700 SH X 700
INC
HARTFORD FINANCIAL SERVICES GROUP 416515104 168 3,006 SH X X 2,000 1,006
INC
HEINZ H J CO 423074103 2,863 65,442 SH X 62,692 750 2,000
HEINZ H J CO 423074103 398 9,100 SH X X 1,950 7,150
HERSHEY FOODS CORP 427866108 1,245 25,660 SH X 25,660
HERSHEY FOODS CORP 427866108 769 15,850 SH X X 9,400 6,450
HEWLETT PACKARD CO 428236103 3,380 27,071 SH X 26,071 1,000
HEWLETT PACKARD CO 428236103 156 1,250 SH X X 400 850
HOME DEPOT INC 437076102 1,024 20,500 SH X 20,500
HOME DEPOT INC 437076102 412 8,251 SH X X 6,301 1,950
HONEYWELL INTL INC 438516106 1,763 52,321 SH X 52,221 100
HONEYWELL INTL INC 438516106 47 1,400 SH X X 1,400
HOOPER HOLMES INC 439104100 111 13,900 SH X 5,700 8,200
HUMAN GENOME SCIENCES INC 444903108 400 3,000 SH X X 3,000
HUTCHINSON TECHNOLOGY INC 448407106 456 32,000 SH X 28,600 3,400
INTEGRA LIFESCIENCES HOLDING CORP 457985208 233 23,400 SH X 18,750 4,650
----------
PAGE TOTAL 417,427
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 10
AS OF 06/30/00
- - - - - 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>
INTEL CORP 458140100 22,194 166,017 SH X 162,942 2,925 150
INTEL CORP 458140100 1,984 14,840 SH X X 8,320 6,520
FEDERATED #78 INTERMEDIATE MUNI 458810108 568 56,594 SH X 56,594
FUND
INTERNATIONAL BUSINESS MACHINES 459200101 7,324 66,851 SH X 63,851 1,900 1,100
CORP
INTERNATIONAL BUSINESS MACHINES 459200101 3,174 28,974 SH X X 17,548 11,426
CORP
INTERNATIONAL PAPER CO 460146103 871 29,231 SH X 29,231
INTERNATIONAL PAPER CO 460146103 95 3,200 SH X X 3,200
JLG INDUSTRIES INC 466210101 247 20,842 SH X 20,842
JOHNSON & JOHNSON 478160104 10,630 104,340 SH X 102,294 800 1,246
JOHNSON & JOHNSON 478160104 1,311 12,872 SH X X 9,547 3,325
KEYSTONE FINANCIAL INC 493482103 41,723 1,963,421 SH X 1,197,878 765,542
KEYSTONE FINANCIAL INC 493482103 7,140 335,982 SH X X 16,195 319,787
KIMBERLY CLARK CORP 494368103 866 15,091 SH X 14,343 748
KIMBERLY CLARK CORP 494368103 204 3,550 SH X X 3,550
LEGGETT & PLATT INC 524660107 330 20,000 SH X 20,000
LILLY ELI & CO 532457108 2,560 25,630 SH X 22,740 1,200 1,690
LILLY ELI & CO 532457108 175 1,750 SH X X 650 1,100
LIMITED INC 532716107 216 10,000 SH X X 10,000
LINEAR TECHNOLOGY CORP 535678106 1,113 17,400 SH X 17,400
LINEAR TECHNOLOGY CORP 535678106 141 2,200 SH X X 2,200
LOCKHEED MARTIN CORP 539830109 461 18,590 SH X 18,590
LOWE'S COMPANIES INC 548661107 197 4,775 SH X 4,475 300
LOWE'S COMPANIES INC 548661107 41 1,000 SH X X 1,000
LUCENT TECHNOLOGIES INC 549463107 13,995 238,210 SH X 229,732 7,828 650
LUCENT TECHNOLOGIES INC 549463107 1,667 28,367 SH X X 16,676 11,691
----------
PAGE TOTAL 119,227
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 11
AS OF 06/30/00
- - - - - 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>
MFS PENNSYLVANIA MUNICIPAL BOND 55273N798 151 16,142 SH X 16,142
FUND A
MAIN STREET BANCORP INC 559906102 440 49,522 SH X 49,522
MAIN STREET BANCORP INC 559906102 15 1,685 SH X X 1,685
MAY DEPARTMENT STORES CO INC 577778103 217 9,062 SH X 9,062
MAY DEPARTMENT STORES CO INC 577778103 18 750 SH X X 750
MCDONALDS CORP 580135101 2,254 68,418 SH X 67,018 1,400
MCDONALDS CORP 580135101 196 5,956 SH X X 2,338 3,618
MEDIAONE GROUP INC 58440J104 762 11,432 SH X 11,132 300
MEDIAONE GROUP INC 58440J104 238 3,575 SH X X 2,354 1,221
MEDTRONIC INC 585055106 3,086 61,944 SH X 58,244 600 3,100
MEDTRONIC INC 585055106 179 3,600 SH X X 3,600
MELLON FINANCIAL CORP 58551A108 85 2,320 SH X 2,320
MELLON FINANCIAL CORP 58551A108 285 7,812 SH X X 2,672 1,140 4,000
MENTOR CORP 587188103 211 7,750 SH X 5,300 2,450
MERCANTILE BANKSHARES CORP 587405101 454 15,225 SH X 15,225
MERCERSBURG FINANCIAL CORP 58817A108 64 1,600 SH X 1,600
MERCERSBURG FINANCIAL CORP 58817A108 405 10,120 SH X X 10,120
MERCK & COMPANY INC 589331107 14,181 185,064 SH X 178,224 2,200 4,640
MERCK & COMPANY INC 589331107 2,532 33,050 SH X X 15,550 17,500
MERRILL LYNCH & CO INC 590188108 1,978 17,200 SH X 17,200
MICROSOFT CORP 594918104 10,603 132,540 SH X 132,180 285 75
MICROSOFT CORP 594918104 310 3,875 SH X X 2,100 1,775
MINNESOTA MINING & MANUFACTURING 604059105 1,385 16,750 SH X 16,550 200
CO
MINNESOTA MINING & MANUFACTURING 604059105 229 2,767 SH X X 1,048 1,415 304
CO
MODIS PROFESSIONAL SERVICES INC 607830106 104 13,650 SH X 3,750 9,900
----------
PAGE TOTAL 40,382
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 12
AS OF 06/30/00
- - - - - 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>
MORGAN J P & CO INC 616880100 1,632 14,820 SH X 14,500 320
MORGAN J P & CO INC 616880100 44 400 SH X X 300 100
MORGAN STANLEY DEAN WITTER & CO 617446448 6,367 76,476 SH X 73,376 3,100
MORGAN STANLEY DEAN WITTER & CO 617446448 185 2,228 SH X X 1,188 1,040
MOTOROLA INC 620076109 4,609 153,633 SH X 142,758 3,825 7,050
MOTOROLA INC 620076109 198 6,600 SH X X 3,000 3,600
MUTUAL CONSUMER DISCOUNT CO 628247892 7 13,780 SH X 13,780
CLASS A
NAVIGANT CONSULTING INC 63935N107 52 12,300 SH X 12,300
NEOSE TECHNOLOGIES INC 640522108 326 7,750 SH X 7,750
NEW CENTURY ENERGIES INC 64352U103 488 16,265 SH X 16,265
NEW CENTURY ENERGIES INC 64352U103 30 1,000 SH X X 1,000
NIKE INC C/B 654106103 496 12,465 SH X 12,215 250
NORDSTROM INC 655664100 309 12,800 SH X 12,800
NORFOLK SOUTHERN CORP 655844108 172 11,562 SH X 11,562
NORFOLK SOUTHERN CORP 655844108 131 8,810 SH X X 7,281 900 629
OMEGA FINANCIAL CORP 682092101 86 3,407 SH X 3,407
OMEGA FINANCIAL CORP 682092101 448 17,730 SH X X 12,000 5,730
ORACLE CORPORATION 68389X105 347 4,128 SH X 4,128
PECO ENERGY CO 693304107 351 8,698 SH X 8,698
PECO ENERGY CO 693304107 29 725 SH X X 78 100 547
PE CORP-PE BIOSYSTEMS GROUP 69332S102 693 10,500 SH X 10,500
PNC FINANCIAL SERVICES GROUP 693475105 2,987 63,719 SH X 59,048 4,671
PNC FINANCIAL SERVICES GROUP 693475105 357 7,625 SH X X 2,470 5,155
PPG INDUSTRIES INC 693506107 2,032 45,858 SH X 45,758 100
PPG INDUSTRIES INC 693506107 126 2,844 SH X X 1,376 1,468
-------
PAGE TOTAL 22,502
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 13
AS OF 06/30/00
- - - - - 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>
PPL CORP 69351T106 2,645 120,574 SH X 120,374 200
PPL CORP 69351T106 389 17,729 SH X X 17,729
PSC INC 69361E107 89 10,950 SH X 6,200 4,750
PAINE WEBBER GROUP INC 695629105 673 14,782 SH X 14,782
PALL CORP 696429307 185 10,000 SH X X 10,000
PARLEX CORP 701630105 297 7,050 SH X 3,250 3,800
PEPSICO INC 713448108 3,320 74,717 SH X 74,017 200 500
PEPSICO INC 713448108 606 13,648 SH X X 6,948 6,700
PFIZER INC 717081103 12,276 255,757 SH X 252,057 2,400 1,300
PFIZER INC 717081103 3,280 68,336 SH X X 30,000 38,336
PHARMACIA CORP 71713U102 2,996 57,954 SH X 57,954
PHARMACIA CORP 71713U102 473 9,150 SH X X 8,400 750
PHILIP MORRIS COMPANIES INC 718154107 2,670 100,521 SH X 99,921 600
PHILIP MORRIS COMPANIES INC 718154107 369 13,900 SH X X 4,800 9,100
PHILLIPS PETROLEUM CO 718507106 656 12,940 SH X 12,940
PHILLIPS PETROLEUM CO 718507106 5 100 SH X X 100
PROSPERITY DEVELOPMENT COMPANY 7213760Y8 194 5 SH X 5
PROSPERITY DEVELOPMENT COMPANY 7213760Y8 705 19 SH X X 19
PITNEY BOWES 724479100 165 4,125 SH X 4,125
PITNEY BOWES 724479100 416 10,400 SH X X 10,400
PROCTER & GAMBLE CO 742718109 4,095 71,535 SH X 69,510 950 1,075
PROCTER & GAMBLE CO 742718109 599 10,460 SH X X 6,160 4,300
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 547 15,806 SH X 15,806
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 142 4,102 SH X X 4,102
QUAKER OATS COMPANY 747402105 153 2,036 SH X 2,036
-------
PAGE TOTAL 37,945
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 14
AS OF 06/30/00
- - - - - 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>
QUAKER OATS COMPANY 747402105 60 800 SH X X 800
RCM TECHNOLOGIES INC 749360400 106 14,400 SH X 3,000 11,400
RITE AID CORP 767754104 162 25,200 SH X 25,200
ROHM & HAAS 775371107 837 24,252 SH X 22,552 1,700
ROHM & HAAS 775371107 47 1,368 SH X X 1,368
T ROWE PRICE MARYLAND TAX FREE 77957R101 695 69,288 SH X 69,288
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 230 45,480 SH X 45,480
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 2,207 2,758 SH X 2,758
LIMITED PARTNERSHIP
SBC COMMUNICATIONS INC 78387G103 5,634 130,268 SH X 128,530 1,738
SBC COMMUNICATIONS INC 78387G103 2,007 46,397 SH X X 33,400 12,997
SARA LEE CORP 803111103 1,252 65,224 SH X 65,224
SARA LEE CORP 803111103 73 3,800 SH X X 3,800
SCHERING-PLOUGH CORP 806605101 1,651 32,695 SH X 29,995 2,700
SCHERING-PLOUGH CORP 806605101 374 7,400 SH X X 1,900 5,500
SCHLUMBERGER LTD 806857108 397 5,325 SH X 4,925 400
SCHLUMBERGER LTD 806857108 75 1,000 SH X X 800 200
SCHWAB CHARLES CORP NEW 808513105 3,020 89,812 SH X 87,412 2,100 300
SCHWAB CHARLES CORP NEW 808513105 100 2,970 SH X X 2,970
SCOTTS COMPANY CL A 810186106 292 8,000 SH X 8,000
SEARS ROEBUCK & CO 812387108 229 7,005 SH X 7,005
SEARS ROEBUCK & CO 812387108 9 276 SH X X 250 26
SELECTIVE INSURANCE GROUP 816300107 342 18,004 SH X 18,004
SELECTIVE INSURANCE GROUP 816300107 17 900 SH X X 900
----------
PAGE TOTAL 19,842
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 15
AS OF 06/30/00
- - - - - 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>
SOLECTRON CORP 834182107 1,245 29,720 SH X 29,670 50
SOLECTRON CORP 834182107 63 1,500 SH X X 1,500
THE SOUTHERN CO 842587107 448 19,238 SH X 19,238
THE SOUTHERN CO 842587107 19 800 SH X X 800
SPRINT CORP 852061100 3,944 77,326 SH X 71,296 3,730 2,300
SPRINT CORP 852061100 153 3,000 SH X X 200 2,800
SPRINT CORP (PCS GRP) 852061506 1,926 32,378 SH X 29,778 1,800 800
SPRINT CORP (PCS GRP) 852061506 89 1,500 SH X X 100 1,400
STATE STREET CORP 857477103 4,751 44,790 SH X 44,790
STATE STREET CORP 857477103 2,121 20,000 SH X X 20,000
STRYKER CORP 863667101 376 8,600 SH X 8,600
STRYKER CORP 863667101 219 5,000 SH X X 2,000 3,000
SUMMIT BANCORP 866005101 242 9,842 SH X 9,842
SUMMIT BANCORP 866005101 14 569 SH X X 569
SUN MICROSYSTEMS INC 866810104 10,446 114,865 SH X 107,520 845 6,500
SUN MICROSYSTEMS INC 866810104 555 6,100 SH X X 4,700 1,400
SUNTRUST BANKS INC 867914103 203 4,442 SH X 4,442
SUSQUEHANNA BANCSHARES INC 869099101 426 29,916 SH X 20,086 9,830
SUSQUEHANNA BANCSHARES INC 869099101 76 5,317 SH X X 1,098 4,219
SYNCOR INTERNATIONAL CORP 87157J106 796 11,050 SH X 9,250 1,800
TECO ENERGY INC 872375100 277 13,800 SH X 13,800
TECO ENERGY INC 872375100 126 6,300 SH X X 300 6,000
TELXON CORP 879700102 198 11,050 SH X 4,250 6,800
TEXACO INC 881694103 1,161 21,777 SH X 21,577 200
TEXACO INC 881694103 258 4,840 SH X X 1,800 3,040
----------
PAGE TOTAL 30,132
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 16
AS OF 06/30/00
- - - - - 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>
TEXAS INSTRUMENTS INC 882508104 4,792 69,760 SH X 67,350 2,410
TEXAS INSTRUMENTS INC 882508104 74 1,080 SH X X 480 600
TEXTRON INC 883203101 1,793 33,010 SH X 31,410 1,600
TEXTRON INC 883203101 73 1,350 SH X X 1,350
3 COM CORP 885535104 239 4,150 SH X 4,150
3 COM CORP 885535104 17 300 SH X X 300
TIME WARNER INC 887315109 614 8,075 SH X 8,075
TIME WARNER INC 887315109 722 9,500 SH X X 8,700 800
TYCO INTL LTD NEW 902124106 5,321 112,324 SH X 111,574 750
TYCO INTL LTD NEW 902124106 5,911 124,762 SH X X 63,358 61,404
UST INC 902911106 141 9,600 SH X 9,600
UST INC 902911106 53 3,600 SH X X 3,600
US BANCORP DEL 902973106 52 2,700 SH X 2,200 500
US BANCORP DEL 902973106 141 7,350 SH X X 1,050 6,300
UNIFI INC 904677101 779 62,975 SH X 58,475 4,500
UNION CARBIDE CORP 905581104 452 9,127 SH X 9,127
UNION CARBIDE CORP 905581104 11 225 SH X X 225
UNION PACIFIC CORP 907818108 483 12,888 SH X 12,888
UNION PACIFIC CORP 907818108 115 3,060 SH X X 1,860 1,200
US WEST INC NEW 91273H101 2,618 30,532 SH X 30,532
US WEST INC NEW 91273H101 369 4,308 SH X X 2,524 1,784
UNITED TECHNOLOGIES CORP 913017109 1,422 24,150 SH X 24,050 100
UNITED TECHNOLOGIES CORP 913017109 94 1,600 SH X X 1,600
UNITEDHEALTH GROUP INC 91324P102 509 5,940 SH X 5,940
UNITEDHEALTH GROUP INC 91324P102 43 500 SH X X 500
----------
PAGE TOTAL 26,838
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 07/25/00 PAGE 17
AS OF 06/30/00
- - - - - 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>
UNITRIN INC 913275103 254 8,640 SH X 8,640
VALLEY NATIONAL BANCORP 919794107 928 38,256 SH X 38,256
VAN KAMPEN PA TAX-FREE INCOME FUND 920902103 291 17,615 SH X 17,615
CL A
VAN KAMPEN US GOVERNMENT FUND INC 921129102 81 5,982 SH X 5,982
CL A
VAN KAMPEN US GOVERNMENT FUND INC 921129102 100 7,401 SH X X 7,401
CL A
VIACOM INC CL B 925524308 761 11,167 SH X 11,167
VIACOM INC CL B 925524308 44 651 SH X X 651
WACHOVIA CORP 929771103 1,042 19,200 SH X 19,200
WAL MART STORES INC 931142103 2,316 40,580 SH X 40,380 200
WAL MART STORES INC 931142103 91 1,600 SH X X 1,600
WALGREEN CO 931422109 3,681 114,585 SH X 113,160 925 500
WALGREEN CO 931422109 276 8,600 SH X X 2,800 5,800
WEIS MARKETS INC 948849104 163 4,968 SH X 4,968
WEIS MARKETS INC 948849104 50 1,518 SH X X 1,518
WELLS FARGO COMPANY 949746101 898 22,880 SH X 19,780 3,100
WELLS FARGO COMPANY 949746101 24 600 SH X X 600
WENDY'S INTERNATIONAL INC 950590109 713 39,622 SH X 35,472 4,150
WHOLE FOODS MARKET INC 966837106 201 4,866 SH X 4,816 50
WILLIAMS COMPANIES INC 969457100 2,448 58,728 SH X 53,328 675 4,725
WILLIAMS COMPANIES INC 969457100 142 3,400 SH X X 3,400
WORLDCOM INC GA NEW 98157D106 4,414 96,216 SH X 96,216
WORLDCOM INC GA NEW 98157D106 408 8,903 SH X X 1,050 7,853
XEROX CORP 984121103 556 27,380 SH X 27,380
XEROX CORP 984121103 73 3,600 SH X X 3,600
----------
PAGE TOTAL 19,955
FINAL TOTALS 1,004,532
</TABLE>
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