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Previous: CBA MONEY FUND, 497, 2000-11-15 |
Next: EQUITY INCOME FUND FIRST EXCHANGE SERIES AT&T SHARES, NT 10-Q, 2000-11-15 |
<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: 9/30/00
-----------
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 Bank N.A.
--------------------------------
Address: 1315 11th Ave
--------------------------------
P.O. Box 2450
--------------------------------
Altoona PA 16
--------------------------------
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 11/14/00
------------------------- ---------------------- ------------
[Signature] [City, State] [Date]
<PAGE>
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 10/03/00 PAGE 1
AS OF 09/30/00
...........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 372 5,750 SH X 5,750
AFLAC CORP 001055102 58 900 SH X X 900
AMR CORP DEL 001765106 202 6,160 SH X 6,160
AMR CORP DEL 001765106 13 400 SH X X 400
A T & T CORP 001957109 6,282 213,859 SH X 206,084 6,275 1,500
A T & T CORP 001957109 1,230 41,876 SH X X 29,143 12,733
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 206 11,420 SH X 11,420
AT & T CORP - LIBERTY MEDIA GROUP A 001957208 1,743 96,496 SH X X 96,496
AT & T CORP - LIBERTY MEDIA GROUP B 001957307 507 27,040 SH X X 27,040
A.S.V. INC 001963107 131 10,200 SH X 10,200
ABBOTT LABORATORIES 002824100 8,778 184,552 SH X 180,002 2,400 2,150
ABBOTT LABORATORIES 002824100 909 19,116 SH X X 2,150 16,966
AFFILIATED COMPUTER SERVICES INC CL A 008190100 418 8,377 SH X 5,577 2,800
AGILENT TECHNOLOGIES INC COM 008460101 365 7,455 SH X 7,455
AGILENT TECHNOLOGIES INC COM 00846U101 13 266 SH X X 266
AIR PRODUCTS & CHEMICALS INC 009158106 1,004 27,875 SH X 27,875
AIR PRODUCTS & CHEMICALS INC 009158106 109 3,040 SH X X 3,040
ALBERTSONS INC 013104104 167 7,961 SH X 7,961
ALBERTSONS INC 013104104 106 5,040 SH X X 5,040
ALCOA INC 013817101 445 17,596 SH X 17,596
ALCOA INC 013817101 5 188 SH X X 188
ALLEGHENY ENERGY INC 017361106 396 10,360 SH X 9,860 500
ALLEGHENY ENERGY INC 017361106 264 6,911 SH X X 6,911
ALLSTATE CORPORATION COM 020002101 386 11,118 SH X 10,348 400 370
ALLSTATE CORPORATION COM 020002101 17 487 SH X X 462 25
----------
PAGE TOTAL 24,126
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 2
AS OF 09/30/00
...........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>
ALLTEL CORP 020039103 477 9,131 SH X 8,983 148
ALLTEL CORP 020039103 339 6,500 SH X X 5,500 1,000
ALZA CORP COMMON 022615108 298 3,450 SH X 3,450
AMERICA ONLINE INC 02364J104 2,571 47,841 SH X 46,351 90 1,400
AMERICA ONLINE INC 02364J104 292 5,435 SH X X 3,600 1,835
AMERICAN ELECTRIC POWER CO 025537101 153 3,910 SH X 3,910
AMERICAN ELECTRIC POWER CO 025537101 48 1,230 SH X X 400 830
AMERICAN EXPRESS 025816109 675 11,106 SH X 11,106
AMERICAN EXPRESS 025816109 164 2,700 SH X X 1,200 1,500
AMERICAN GENERAL CORP 026351106 746 9,559 SH X 9,559
AMERICAN GENERAL CORP 026351106 257 3,300 SH X X 3,300
AMERICAN HOME PRODUCTS INC 026609107 4,404 78,032 SH X 78,032
AMERICAN HOME PRODUCTS INC 026609107 1,184 20,980 SH X X 4,800 16,180
AMERICAN INTERNATIONAL GROUP INC 026874107 1,308 13,668 SH X 13,510 65 93
AMERICAN INTERNATIONAL GROUP INC 026874107 358 3,745 SH X X 3,745
AMERICAN WATER WORKS COMPANY INC 030411102 294 10,675 SH X 10,675
AMERICAN WATER WORKS COMPANY INC 030411102 6 200 SH X X 200
AMGEN INC 031162100 2,777 39,775 SH X 39,550 75 150
AMGEN INC 031162100 206 2,950 SH X X 1,600 1,350
ANALOG DEVICES INC 032654105 1,032 12,475 SH X 12,475
ANHEUSER BUSCH COS INC 035229103 736 17,400 SH X 17,400
APPLIED MATERIALS INC 038222105 171 2,875 SH X 2,875
APPLIED MATERIALS INC 038222105 30 500 SH X X 500
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 197 5,184 SH X 5,080 104
ASSOCIATES FIRST CAPITAL CORP CL A 046008108 61 1,611 SH X X 1,436 175
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PAGE TOTAL 18,784
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 3
AS OF 09/30/00
- - - - - 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>
AUTOMATIC DATA PROCESSING INC 053015103 2,939 43,944 SH X 41,744 2,200
BAKER HUGHES INC 057224107 433 11,658 SH X 11,658
BANK OF AMERICA CORP 060505104 1,740 33,220 SH X 33,220
BANK OF AMERICA CORP 060505104 1 28 SH X X 28
BANK OF NEW YORK 064057102 2,920 51,674 SH X 51,674
BANK OF NEW YORK 064057102 90 1,600 SH X X 1,600
BANK ONE CORP 06423A103 464 12,191 SH X 12,191
BAXTER INTERNATIONAL INC 071813109 817 10,240 SH X 10,240
BAXTER INTERNATIONAL INC 071813109 123 1,539 SH X X 1,539
BELLSOUTH CORP 079860102 7,023 173,405 SH X 167,932 5,473
BELLSOUTH CORP 079860102 1,640 40,492 SH X X 20,516 19,976
BESTFOODS 08658U101 1,923 26,430 SH X 26,430
BLACKROCK PENN TAX FR INC-I 091928622 140 13,245 SH X 13,245
BOEING COMPANY 097023105 1,525 24,298 SH X 24,298
BOEING COMPANY 097023105 69 1,100 SH X X 1,100
BRISTOL MYERS SQUIBB CO 110122108 5,160 89,744 SH X 86,944 2,800
BRISTOL MYERS SQUIBB CO 110122108 1,448 25,180 SH X X 13,940 11,240
BROADWING INC 111620100 869 33,975 SH X 33,975
BURLINGTON NORTHERN SANTA FE INC 12189T104 282 13,070 SH X 13,070
BURLINGTON NORTHERN SANTA FE INC 12189T104 63 2,900 SH X X 2,750 150
C-COR.NET CORP 125010108 89 5,820 SH X 5,820
C-COR.NET CORP 125010108 1,428 93,222 SH X X 89,222 4,000
C P & L ENERGY INC 12614C106 168 4,026 SH X 4,026
COM
C P & L ENERGY INC 12614C106 113 2,700 SH X X 2,700
COM
CSX CORP 126408103 215 9,869 SH X 9,669 200
----------
PAGE TOTAL 31,682
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 4
AS OF 09/30/00
- - - - - 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>
CSX CORP 126408103 117 5,365 SH X X 2,500 2,325 540
CAPITAL ONE FINANCIAL CORP 14040H105 336 4,800 SH X 2,500 2,300
CARLISLE COMPANIES INC 142339100 1,108 26,700 SH X 26,700
CARLISLE COMPANIES INC 142339100 17 408 SH X X 408
CARNIVAL CORPORATION 143658102 2,675 108,625 SH X 108,375 250
CARNIVAL CORPORATION 143658102 41 1,650 SH X X 1,650
CATERPILLAR INC 149123101 347 11,200 SH X 11,100 100
CATERPILLAR INC 149123101 19 600 SH X X 600
CHASE MANHATTAN CORP NEW 16161A108 2,582 55,901 SH X 53,314 900 1,687
CHASE MANHATTAN CORP NEW 16161A108 28 600 SH X X 600
CHEVRON CORP 166751107 1,027 12,049 SH X 11,349 700
CHEVRON CORP 166751107 235 2,756 SH X X 600 2,156
CIRCUIT CITY STORES-CIRCUIT CITY 172737108 986 42,850 SH X 42,700 150
GROUP
CIRCUIT CITY STORES-CIRCUIT CITY 172737108 5 200 SH X X 200
GROUP
CISCO SYSTEMS INC 17275R102 10,414 188,490 SH X 187,730 160 600
CISCO SYSTEMS INC 17275R102 1,702 30,800 SH X X 25,900 4,900
CITIGROUP INC 172967101 6,851 126,716 SH X 124,913 1,803
CITIGROUP INC 172967101 762 14,093 SH X X 8,761 5,332
CITRIX SYSTEMS INC 177376100 2,005 99,935 SH X 99,635 300
CITRIX SYSTEMS INC 177376100 52 2,575 SH X X 2,575
COASTAL CORP 190441105 1,410 19,025 SH X 18,675 350
COCA COLA 191216100 3,998 72,523 SH X 66,223 1,950 4,350
COCA COLA 191216100 1,388 25,177 SH X X 23,462 1,715
COLGATE-PALMOLIVE CO 194162103 1,073 22,728 SH X 22,728
COLGATE-PALMOLIVE CO 194162103 378 8,000 SH X X 8,000
----------
PAGE TOTAL 39,556
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 5
AS OF 09/30/00
- - - - - 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>
COLORADO MEDTECH INC 19652U104 110 12,900 SH X 5,500 7,400
COMMUNITY BKS INC MILLERSBURG PA 203628102 381 18,059 SH X 18,059
COMPAQ COMPUTER CORP 204493100 688 24,982 SH X 21,882 3,100
COMPAQ COMPUTER CORP 204493100 124 4,500 SH X X 3,750 750
COMPUTER NETWORK TECHNOLOGY CORP 204925101 1,401 40,750 SH X 33,500 7,250
COMPUWARE CORP 205638109 608 72,650 SH X 58,350 14,300
COMPUWARE CORP 205638109 63 7,500 SH X X 6,300 1,200
CONAGRA FOODS INC 205887102 724 36,069 SH X 34,069 2,000
CONECTIV INC 206829103 136 7,589 SH X 7,589
CONECTIV INC 206829103 64 3,550 SH X X 3,550
CONOCO INC CL B 208251405 333 12,378 SH X 12,378
CONSOLIDATED EDISON INC 209115104 459 13,439 SH X 13,439
CONSOLIDATED EDISON INC 209115104 38 1,100 SH X X 500 600
CONSTELLATION ENERGY GROUP 210371100 2,222 44,650 SH X 44,650
CONSTELLATION ENERGY GROUP 210371100 613 12,325 SH X X 7,400 4,325 600
CORNING INC 219350105 30 100 SH X 100
CORNING INC 219350105 193 650 SH X X 400 250
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 288 37,519 SH X 37,519
CLASS
DELAWARE GROUP TAX FREE PA FUND A 233216100 70 9,064 SH X X 9,064
CLASS
DQE INC 23329J104 580 14,440 SH X 14,015 425
DQE INC 23329J104 52 1,300 SH X X 1,300
----------
PAGE TOTAL 11,302
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 6
AS OF 09/30/00
- - - - - 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> <C>
DANAHER CORP 235851102 1,620 32,560 SH X 32,035 125 400
DANAHER CORP 235851102 55 1,100 SH X X 600 500
DATASTREAM SYSTEMS INC 238124101 179 13,900 SH X 2,100 11,800
DEERE & CO 244199105 245 7,366 SH X 7,366
DEERE & CO 244199105 7 200 SH X X 200
DELL COMPUTER CORP 247025109 942 30,565 SH X 24,065 6,500
DELL COMPUTER CORP 247025109 12 400 SH X X 400
DIGI INTERNATIONAL INC 253798102 79 10,000 SH X 10,000
DISNEY (WALT) COMPANY HOLDING CO 254687106 4,860 127,067 SH X 122,092 1,500 3,475
DISNEY (WALT) COMPANY HOLDING CO 254687106 1,178 30,800 SH X X 27,200 3,600
DOMINION RESOURCES INC VA 25746U109 808 13,909 SH X 13,909
DOMINION RESOURCES INC VA 25746U109 229 3,937 SH X X 1,211 1,999 727
DOVER CORP 260003108 521 11,100 SH X 11,100
DOVER CORP 260003108 432 9,200 SH X X 9,200
DOW CHEMICAL 260543103 1,760 70,559 SH X 69,434 1,125
DOW CHEMICAL 260543103 187 7,500 SH X X 3,000 4,500
DUPONT E I DE NEMOURS & COMPANY 263534109 3,741 91,518 SH X 85,322 2,300 3,896
DUPONT E I DE NEMOURS & COMPANY 263534109 258 6,320 SH X X 5,095 1,225
DUKE ENERGY CORP 264399106 900 10,497 SH X 10,497
DUKE ENERGY CORP 264399106 160 1,865 SH X X 1,233 632
EMC CORP MASS 268648102 9,397 94,442 SH X 91,607 135 2,700
EMC CORP MASS 268648102 590 5,925 SH X X 3,000 2,925
EASTMAN KODAK CO 277461109 148 3,609 SH X 3,459 150
EASTMAN KODAK CO 277461109 62 1,513 SH X X 1,163 300 50
EATON CORP 278058102 351 5,702 SH X 5,702
----------
PAGE TOTAL 28,721
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 7
AS OF 09/30/00
- - - - - 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>
EL PASO ENERGY CORP 283905107 418 6,778 SH X 3,478 3,300
ELECTRONIC DATA SYSTEMS CORP 285661104 192 4,638 SH X 4,638
ELECTRONIC DATA SYSTEMS CORP 285661104 17 400 SH X X 400
EMERSON ELECTRIC 291011104 1,693 25,269 SH X 25,269
EMERSON ELECTRIC 291011104 64 950 SH X X 200 750
ENRON CORP 293561106 307 3,500 SH X 3,500
ENRON CORP 293561106 296 3,380 SH X X 380 3,000
EXXON MOBIL CORP 30231G102 23,371 262,281 SH X 259,443 50 2,788
EXXON MOBIL CORP 30231G102 5,654 63,451 SH X X 17,068 31,789 14,594
FPL GROUP INC 302571104 1,595 24,250 SH X 24,050 200
FPL GROUP INC 302571104 92 1,400 SH X X 1,400
FEDERAL HOME LOAN MTGE CORP 313400301 287 5,300 SH X 5,300
FANNIE MAE 313586109 4,569 63,900 SH X 61,365 85 2,450
FANNIE MAE 313586109 543 7,600 SH X X 5,500 2,100
FEDERATED PA MUNI INCOME FUND A #311 313923708 1,785 162,387 SH X 162,387
FEDERATED PA MUNI INCOME FUND A #311 313923708 125 11,391 SH X X 2,633 8,758
FEDERATED #9 US GOVT SEC (1-3 YRS) 31428M100 502 48,507 SH X 48,507
FEDERATED #47 U.S. GOVERNMENT SEC 31428P103 341 32,415 SH X 23,168 9,246
(2-5 YRS) FUND
FEDEX CORP 31428X106 510 11,500 SH X 11,500
FIRST LEESPORT BANCORP 320682107 451 32,810 SH X 210 32,600
FIRST SENTINEL BANCORP INC 33640T103 95 10,000 SH X 10,000
FIRST UNION CORP N CAROLINA 337358105 4,731 146,987 SH X 145,387 700 900
FIRST UNION CORP N CAROLINA 337358105 864 26,842 SH X X 13,022 13,010 810
FIRST UNITED CORP 33741H107 164 15,267 SH X 15,267
FIRST UNITED CORP 33741H107 50 4,677 SH X X 2,627 2,050
----------
PAGE TOTAL 48,716
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 8
AS OF 09/30/00
- - - - - 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>
FIRST VIRGINIA BANKS INC 337477103 256 6,000 SH X X 1,500 4,500
FLEETBOSTON FINANCIAL CORP 339030108 1,543 39,563 SH X 39,563
FLEETBOSTON FINANCIAL CORP 339030108 260 6,678 SH X X 3,326 3,352
FLORIDA PROGRESS CORP 341109106 246 4,650 SH X 4,650
FLORIDA PROGRESS CORP 341109106 90 1,700 SH X X 200 1,500
FORD MTR CO DEL 345370860 1,405 55,104 SH X 55,104
FORD MTR CO DEL 345370860 187 7,318 SH X X 1,048 5,571 699
FRANKLIN FINL SVCS CORP 353525108 250 14,688 SH X 7,688 7,000
FRANKLIN TAX FREE TR PA TAX FREE 354723801 322 32,604 SH X 32,604
INCOME FUND
FULTON FINANCIAL INC 360271100 1,107 55,858 SH X 35,336 20,522
FULTON FINANCIAL INC 360271100 584 29,455 SH X X 29,455
GAP INC 364760108 1,080 53,674 SH X 48,899 1,025 3,750
GENERAL ELECTRIC CO 369604103 37,681 651,779 SH X 624,194 13,150 14,435
GENERAL ELECTRIC CO 369604103 10,617 183,645 SH X X 97,890 85,755
GENERAL MILLS INC 370334104 285 8,038 SH X 8,038
GENERAL MILLS INC 370334104 14 400 SH X X 400
GENERAL MOTORS CORP 370442105 887 13,653 SH X 13,453 200
GENERAL MOTORS CORP 370442105 129 1,986 SH X X 1,468 518
GENERAL MOTORS CORP CL H NEW 370442832 182 4,890 SH X 4,890
GENERAL MOTORS CORP CL H NEW 370442832 49 1,329 SH X X 789 540
GENESIS HEALTH VENTURES INC 371912106 2 10,500 SH X 10,500
GENRAD INC 372447102 173 15,700 SH X 4,500 11,200
GILLETTE CO 375766102 1,237 40,066 SH X 39,466 600
GILLETTE CO 375766102 252 8,170 SH X X 5,420 2,750
GLATFELTER P H CO 377316104 394 32,500 SH X 32,500
----------
PAGE TOTAL 59,232
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 9
AS OF 09/30/00
- - - - - 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>
GLIMCHER REALTY TRUST 379302102 178 11,904 SH X 11,904
GOVERNMENT SECS INCOME FD 383743580 2 61,079 SH X 61,079
UNIT GNMA G
GOVERNOR LIMITED DURATION 383757408 69,699 7,170,632 SH X 7,117,878 23,810 28,943
GOVERNMENT SECURITIES FUND
GOVERNOR LIMITED DURATION 383757408 1,133 116,543 SH X X 19,133 95,463 1,946
GOVERNMENT SECURITIES FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 72,043 7,336,382 SH X 7,301,376 19,168 15,837
BOND FUND
GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 14,739 1,500,934 SH X X 200,305 1,292,843 7,785
BOND FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 232,750 25,107,901 SH X 24,894,704 104,432 108,763
FUND
GOVERNOR INTERMEDIATE TERM INCOME 383757606 6,261 675,414 SH X X 141,673 488,429 45,311
FUND
HALLIBURTON CO 406216101 2,600 53,123 SH X 51,973 700 450
HALLIBURTON CO 406216101 469 9,587 SH X X 1,500 7,900 187
HARTFORD FINANCIAL SERVICES GROUP 416515104 51 700 SH X 700
INC
HARTFORD FINANCIAL SERVICES GROUP 416515104 219 3,006 SH X X 2,000 1,006
INC
HEINZ H J CO 423074103 2,414 65,142 SH X 64,392 750
HEINZ H J CO 423074103 337 9,100 SH X X 1,950 7,150
HERSHEY FOODS CORP 427866108 1,399 25,843 SH X 25,843
HERSHEY FOODS CORP 427866108 858 15,850 SH X X 9,400 6,450
HEWLETT PACKARD CO 428236103 2,888 29,621 SH X 28,621 1,000
HEWLETT PACKARD CO 428236103 138 1,415 SH X X 400 1,015
HOME DEPOT INC 437076102 1,085 20,500 SH X 20,500
HOME DEPOT INC 437076102 437 8,251 SH X X 6,301 1,950
HONEYWELL INTL INC 438516106 1,574 44,192 SH X 44,092 100
HOOPER HOLMES INC 439104100 143 15,000 SH X 6,400 8,600
HUMAN GENOME SCIENCES INC 444903108 519 3,000 SH X X 3,000
HUNTINGTON BANCSHARES INC 446150104 99 6,748 SH X 6,748
HUNTINGTON BANCSHARES INC 446150104 54 3,659 SH X X 3,659
--------
PAGE TOTAL 412,089
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 10
AS OF 09/30/00
- - - - - 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>
HUTCHINSON TECHNOLOGY INC 448407106 672 31,900 SH X 28,600 3,300
INTEGRA LIFESCIENCES HOLDING CORP 457985208 236 21,950 SH X 18,750 3,200
INTEL CORP 458140100 13,125 315,784 SH X 309,744 5,740 300
INTEL CORP 458140100 1,247 30,005 SH X X 16,640 13,365
FEDERATED #78 INTERMEDIATE MUNI 458810108 573 56,594 SH X 56,594
FUND
INTERNATIONAL BUSINESS MACHINES 459200101 7,205 63,976 SH X 60,976 1,900 1,100
CORP
INTERNATIONAL BUSINESS MACHINES 459200101 3,246 28,824 SH X X 17,548 11,276
CORP
INTERNATIONAL PAPER CO 460146103 747 26,031 SH X 26,031
INTERNATIONAL PAPER CO 460146103 92 3,200 SH X X 3,200
INTERNATIONAL RECTIFIER CORP 460254105 572 11,325 SH X 11,325
JLG INDUSTRIES INC 466210101 254 20,842 SH X 20,842
JOHNSON & JOHNSON 478160104 9,847 104,822 SH X 102,701 875 1,246
JOHNSON & JOHNSON 478160104 1,233 13,122 SH X X 9,547 3,575
KEYSTONE FINANCIAL INC 493482103 40,403 1,857,586 SH X 1,107,663 749,923
KEYSTONE FINANCIAL INC 493482103 7,117 327,234 SH X X 20,206 307,028
KIMBERLY CLARK CORP 494368103 768 13,767 SH X 13,019 748
KIMBERLY CLARK CORP 494368103 198 3,550 SH X X 3,550
LEGGETT & PLATT INC 524660107 316 20,000 SH X 20,000
LILLY ELI & CO 532457108 1,825 22,490 SH X 19,990 1,200 1,300
LILLY ELI & CO 532457108 142 1,750 SH X X 650 1,100
LIMITED INC 532716107 221 10,000 SH X X 10,000
LINEAR TECHNOLOGY CORP 535678106 1,127 17,400 SH X 17,400
LINEAR TECHNOLOGY CORP 535678106 142 2,200 SH X X 2,200
LOCKHEED MARTIN CORP 539830109 575 17,452 SH X 17,452
LOWE'S COMPANIES INC 548661107 184 4,100 SH X 3,900 200
----------
PAGE TOTAL 92,067
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 11
AS OF 09/30/00
- - - - - 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> <C>
LOWE'S COMPANIES INC 548661107 45 1,000 SH X X 1,000
LUCENT TECHNOLOGIES INC 549463107 7,525 246,725 SH X 237,397 8,728 600
LUCENT TECHNOLOGIES INC 549463107 820 26,882 SH X X 18,276 8,606
MFS PENNSYLVANIA MUNICIPAL BOND 55273N798 153 16,142 SH X 16,142
FUND A
MAIN STREET BANCORP INC 559906102 197 23,678 SH X 23,678
MAIN STREET BANCORP INC 559906102 14 1,685 SH X X 1,685
MAY DEPARTMENT STORES CO INC 577778103 189 9,238 SH X 9,238
MAY DEPARTMENT STORES CO INC 577778103 15 750 SH X X 750
MCDONALDS CORP 580135101 2,035 67,418 SH X 66,018 1,400
MCDONALDS CORP 580135101 139 4,608 SH X X 990 3,618
MCLEODUSA INC CL A 582266102 410 28,640 SH X 28,340 300
MCLEODUSA INC CL A 582266102 29 2,000 SH X X 2,000
MEDTRONIC INC 585055106 3,583 69,159 SH X 65,659 700 2,800
MEDTRONIC INC 585055106 232 4,475 SH X X 3,600 875
MELLON FINANCIAL CORP 58551A108 51 1,100 SH X 1,100
MELLON FINANCIAL CORP 58551A108 362 7,812 SH X X 2,672 1,140 4,000
MERCANTILE BANKSHARES CORP 587405101 553 15,225 SH X 15,225
MERCERSBURG FINANCIAL CORP 58817A108 70 1,600 SH X 1,600
MERCERSBURG FINANCIAL CORP 58817A108 440 10,120 SH X X 10,120
MERCK & COMPANY INC 589331107 13,573 182,334 SH X 175,639 2,230 4,465
MERCK & COMPANY INC 589331107 2,466 33,125 SH X X 15,550 17,575
MERRILL LYNCH & CO INC 590188108 2,270 34,400 SH X 34,400
MICROSOFT CORP 594918104 8,022 133,005 SH X 132,570 360 75
MICROSOFT CORP 594918104 234 3,875 SH X X 2,100 1,775
MINNESOTA MINING & MANUFACTURING 604059105 1,504 16,500 SH X 16,300 200
CO
----------
PAGE TOTAL 44,931
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 12
AS OF 09/30/00
- - - - - 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> <C>
MINNESOTA MINING & MANUFACTURING 604059105 252 2,767 SH X X 1,048 1,415 304
CO
MODIS PROFESSIONAL SERVICES INC 607830106 71 13,650 SH X 3,750 9,900
MORGAN J P & CO INC 616880100 2,393 14,645 SH X 14,325 320
MORGAN J P & CO INC 616880100 65 400 SH X X 300 100
MORGAN STANLEY DEAN WITTER & CO 617446448 6,685 73,106 SH X 69,656 450 3,000
MORGAN STANLEY DEAN WITTER & CO 617446448 147 1,608 SH X X 988 620
MOTOROLA INC 620076109 4,743 160,782 SH X 151,232 4,250 5,300
MOTOROLA INC 620076109 189 6,400 SH X X 3,000 3,400
MUTUAL CONSUMER DISCOUNT CO 628247892 8 13,780 SH X 13,780
CLASS A
NAVIGANT CONSULTING INC 63935N107 85 24,600 SH X 24,600
NEOSE TECHNOLOGIES INC 640522108 375 7,750 SH X 7,750
NIKE INC C/B 654106103 350 8,740 SH X 8,540 200
NORDSTROM INC 655664100 199 12,800 SH X 12,800
NORFOLK SOUTHERN CORP 655844108 160 10,962 SH X 10,962
NORFOLK SOUTHERN CORP 655844108 113 7,760 SH X X 7,131 629
NOVELLUS SYSTEMS INC 670008101 268 5,750 SH X 5,750
OMEGA FINANCIAL CORP 682092101 103 3,407 SH X 3,407
OMEGA FINANCIAL CORP 682092101 536 17,730 SH X X 12,000 5,730
ORACLE CORPORATION 68389X105 1,443 18,328 SH X 18,328
ORACLE CORPORATION 68389X105 221 2,800 SH X X 2,400 400
PECO ENERGY CO 693304107 527 8,698 SH X 8,698
PECO ENERGY CO 693304107 44 725 SH X X 78 100 547
PE CORP-PE BIOSYSTEMS GROUP 69332S102 1,011 8,675 SH X 8,675
PNC FINANCIAL SERVICES GROUP 693475105 3,251 50,019 SH X 45,648 4,371
PNC FINANCIAL SERVICES GROUP 693475105 726 11,175 SH X X 6,020 5,155
----------
PAGE TOTAL 23,965
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 13
AS OF 09/30/00
- - - - - 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>
PPG INDUSTRIES INC 693506107 1,434 36,123 SH X 35,973 50 100
PPG INDUSTRIES INC 693506107 103 2,601 SH X X 1,376 1,225
PPL CORP 69351T106 5,078 121,580 SH X 121,180 400
PPL CORP 69351T106 793 18,979 SH X X 1,800 17,179
PSC INC 69361E107 32 10,700 SH X 6,200 4,500
PALL CORP 696429307 199 10,000 SH X X 10,000
PALM INC 696642107 326 6,154 SH X 6,154
PALM INC 696642107 24 444 SH X X 444
PEPSICO INC 713448108 3,782 82,227 SH X 81,627 300 300
PEPSICO INC 713448108 637 13,848 SH X X 6,948 6,900
PFIZER INC 717081103 10,184 226,717 SH X 222,992 2,500 1,225
PFIZER INC 717081103 2,823 62,836 SH X X 30,000 32,836
PHARMACIA CORP 71713U102 4,007 66,579 SH X 66,504 75
PHARMACIA CORP 71713U102 635 10,550 SH X X 8,400 2,150
PHILIP MORRIS COMPANIES INC 718154107 2,878 97,771 SH X 97,171 600
PHILIP MORRIS COMPANIES INC 718154107 383 13,000 SH X X 4,800 8,200
PHILLIPS PETROLEUM CO 718507106 793 12,640 SH X 12,640
PHILLIPS PETROLEUM CO 718507106 6 100 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 163 4,125 SH X 4,125
PITNEY BOWES 724479100 410 10,400 SH X X 10,400
PROCTER & GAMBLE CO 742718109 4,397 65,630 SH X 63,780 950 900
PROCTER & GAMBLE CO 742718109 584 8,717 SH X X 5,517 3,200
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 707 15,806 SH X 15,806
----------
PAGE TOTAL 41,277
</TABLE>
15
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 14
AS OF 09/30/00
- - - - - 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>
PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 183 4,102 SH X X 4,102
QUAKER OATS COMPANY 747402105 82 1,036 SH X 1,036
QUAKER OATS COMPANY 747402105 142 1,800 SH X X 1,000 800
QWEST COMMUNICATIONS INTERNATIONAL 749121109 2,365 49,153 SH X 49,153
INC
QWEST COMMUNICATIONS INTERNATIONAL 749121109 350 7,269 SH X X 1,900 5,369
INC
RCM TECHNOLOGIES INC 749360400 67 16,700 SH X 3,000 13,700
RAYTHEON CO CL B 755111408 253 8,900 SH X 8,400 500
RITE AID CORP 767754104 101 25,200 SH X 25,200
ROHM & HAAS 775371107 499 17,171 SH X 15,471 1,700
T ROWE PRICE MARYLAND TAX FREE 77957R101 678 66,896 SH X 66,896
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 214 42,048 SH X 42,048
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 6,306 126,444 SH X 123,980 2,464
SBC COMMUNICATIONS INC 78387G103 2,301 46,139 SH X X 35,379 10,760
SBS TECHNOLOGIES INC 78387P103 219 9,400 SH X 3,400 6,000
SARA LEE CORP 803111103 1,301 64,024 SH X 64,024
SARA LEE CORP 803111103 77 3,800 SH X X 3,800
SCHERING-PLOUGH CORP 806605101 1,452 31,180 SH X 28,605 75 2,500
SCHERING-PLOUGH CORP 806605101 340 7,300 SH X X 1,900 5,400
SCHLUMBERGER LTD 806857108 471 5,725 SH X 5,325 400
SCHLUMBERGER LTD 806857108 82 1,000 SH X X 800 200
SCHWAB CHARLES CORP NEW 808513105 3,382 95,348 SH X 92,823 2,225 300
SCHWAB CHARLES CORP NEW 808513105 105 2,970 SH X X 2,970
----------
PAGE TOTAL 23,203
</TABLE>
16
<PAGE>
<TABLE>
<CAPTION>
1REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 15
AS OF 09/30/00
- - - - - 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>
SCOTTS COMPANY CL A 810186106 268 8,000 SH X 8,000
SEARS ROEBUCK & CO 812387108 202 6,234 SH X 6,234
SEARS ROEBUCK & CO 812387108 9 263 SH X X 250 13
SELECTIVE INSURANCE GROUP 816300107 215 12,004 SH X 12,004
SELECTIVE INSURANCE GROUP 816300107 16 900 SH X X 900
SOLECTRON CORP 834182107 1,719 37,260 SH X 37,085 175
SOLECTRON CORP 834182107 71 1,540 SH X X 1,540
THE SOUTHERN CO 842587107 624 19,238 SH X 19,238
THE SOUTHERN CO 842587107 65 2,015 SH X X 2,015
SPRINT CORP 852061100 2,130 72,648 SH X 66,618 3,730 2,300
SPRINT CORP 852061100 64 2,200 SH X X 200 2,000
SPRINT CORP (PCS GRP) 852061506 1,125 32,028 SH X 29,428 1,800 800
SPRINT CORP (PCS GRP) 852061506 39 1,100 SH X X 100 1,000
STATE STREET CORP 857477103 3,694 28,390 SH X 28,390
STATE STREET CORP 857477103 2,130 16,375 SH X X 16,375
STRYKER CORP 863667101 369 8,600 SH X 8,600
STRYKER CORP 863667101 215 5,000 SH X X 2,000 3,000
SUMMIT BANCORP 866005101 338 9,842 SH X 9,842
SUMMIT BANCORP 866005101 20 569 SH X X 569
SUN MICROSYSTEMS INC 866810104 11,174 95,710 SH X 90,315 845 4,550
SUN MICROSYSTEMS INC 866810104 693 5,940 SH X X 4,600 1,340
SUSQUEHANNA BANCSHARES INC 869099101 454 29,741 SH X 19,911 9,830
SUSQUEHANNA BANCSHARES INC 869099101 81 5,317 SH X X 1,098 4,219
SYMIX SYSTEMS INC 871535100 69 12,500 SH X 12,500
SYNCOR INTERNATIONAL CORP 87157J106 773 21,000 SH X 18,500 2,500
----------
PAGE TOTAL 26,557
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 16
AS OF 09/30/00
- - - - - 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>
TECO ENERGY INC 872375100 397 13,800 SH X 13,800
TECO ENERGY INC 872375100 181 6,300 SH X X 300 6,000
TRW INC 872649108 191 4,697 SH X 4,697
TRW INC 872649108 41 1,000 SH X X 1,000
TELXON CORP 879700102 188 10,750 SH X 4,250 6,500
TEXACO INC 881694103 1,135 21,617 SH X 21,177 440
TEXACO INC 881694103 242 4,600 SH X X 1,800 2,800
TEXAS INSTRUMENTS INC 882508104 3,913 82,595 SH X 79,625 2,970
TEXAS INSTRUMENTS INC 882508104 54 1,130 SH X X 480 650
TEXTRON INC 883203101 1,597 34,570 SH X 32,920 50 1,600
TEXTRON INC 883203101 95 2,050 SH X X 2,050
TIME WARNER INC 887315109 546 6,975 SH X 6,975
TIME WARNER INC 887315109 728 9,300 SH X X 8,700 600
TRICON GLOBAL RESTAURANTS INC 895953107 225 7,340 SH X 7,340
TRICON GLOBAL RESTAURANTS INC 895953107 39 1,260 SH X X 100 1,160
TYCO INTL LTD NEW 902124106 7,213 139,049 SH X 138,299 750
TYCO INTL LTD NEW 902124106 6,417 123,702 SH X X 63,358 60,344
UST INC 902911106 220 9,600 SH X 9,600
UST INC 902911106 82 3,600 SH X X 3,600
UNIFI INC 904677101 642 62,975 SH X 58,475 4,500
UNION CARBIDE CORP 905581104 325 8,604 SH X 8,604
UNION CARBIDE CORP 905581104 8 225 SH X X 225
UNION PACIFIC CORP 907818108 502 12,888 SH X 12,888
UNION PACIFIC CORP 907818108 119 3,060 SH X X 1,860 1,200
UNITED TECHNOLOGIES CORP 913017109 1,974 28,460 SH X 28,310 50 100
----------
PAGE TOTAL 27,074
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 17
AS OF 09/30/00
- - - - - 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>
UNITED TECHNOLOGIES CORP 913017109 170 2,450 SH X X 1,600 850
UNITEDHEALTH GROUP INC 91324P102 545 5,515 SH X 5,515
UNITEDHEALTH GROUP INC 91324P102 49 500 SH X X 500
UNITRIN INC 913275103 274 8,640 SH X 8,640
VALLEY NATIONAL BANCORP 919794107 1,045 38,256 SH X 38,256
VAN KAMPEN PA TAX-FREE INCOME FUND 920902103 340 20,444 SH X 20,444
CL A
VERIZON COMMUNICATIONS 92343V104 13,636 281,521 SH X 280,730 791
VERIZON COMMUNICATIONS 92343V104 2,583 53,330 SH X X 5,422 40,608 7,300
VIACOM INC CL A 925524100 287 4,900 SH X 4,900
VIACOM INC CL B 925524308 724 12,376 SH X 12,376
VIACOM INC CL B 925524308 38 651 SH X X 651
VODAFONE GROUP PLC NEW 92857W100 1,759 47,550 SH X 47,550
ADR SPONSORED
VODAFONE GROUP PLC NEW 92857W100 407 11,010 SH X X 2,500 8,510
ADR SPONSORED
WACHOVIA CORP 929771103 1,069 18,850 SH X 18,850
WAL MART STORES INC 931142103 3,364 69,905 SH X 69,705 200
WAL MART STORES INC 931142103 77 1,600 SH X X 1,600
WALGREEN CO 931422109 3,397 89,535 SH X 88,285 750 500
WALGREEN CO 931422109 326 8,600 SH X X 2,800 5,800
WEIS MARKETS INC 948849104 197 4,968 SH X 4,968
WEIS MARKETS INC 948849104 60 1,518 SH X X 1,518
WELLS FARGO COMPANY 949746101 1,456 31,690 SH X 28,465 125 3,100
WELLS FARGO COMPANY 949746101 78 1,700 SH X X 1,700
WENDY'S INTERNATIONAL INC 950590109 687 34,222 SH X 34,222
WHOLE FOODS MARKET INC 966837106 462 8,596 SH X 8,446 100 50
WHOLE FOODS MARKET INC 966837106 54 1,000 SH X X 1,000
----------
PAGE TOTAL 33,084
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/03/00 PAGE 18
AS OF 09/30/00
- - - - - 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>
WILLIAMS COMPANIES INC 969457100 2,386 56,478 SH X 51,078 675 4,725
WILLIAMS COMPANIES INC 969457100 144 3,400 SH X X 3,400
WORLDCOM INC GA NEW 98157D106 3,439 113,205 SH X 113,080 125
WORLDCOM INC GA NEW 98157D106 283 9,328 SH X X 1,050 8,278
XCEL ENERGY INC 98389B100 750 27,247 SH X 27,247
XCEL ENERGY INC 98389B100 43 1,550 SH X X 1,550
XEROX CORP 984121103 342 22,830 SH X 22,830
XEROX CORP 984121103 54 3,600 SH X X 3,600
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PAGE TOTAL 7,441
FINAL TOTALS 993,807
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