FIRST WEST CHESTER CORP
SC 13G/A, 2000-02-14
NATIONAL COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549


                                  SCHEDULE 13G/A

                    Under the Securities Exchange Act of 1934

                               (Amendment No. 3)*


                         First West Chester Corporation
                         ------------------------------

                                (Name of Issuer)


                     Common Stock, par value $1.00 per share
                     ---------------------------------------

                         (Title of Class of Securities)


                                   33749210-2
                                   ----------
                                 (CUSIP Number)


                                December 31, 1999
                                -----------------

             (Date of Event Which Requires Filing of this Statement)


Check the  appropriate box to designate the rule pursuant to which this Schedule
is filed:

|X|      Rule 13d-1(b)

|_|      Rule 13d-1(c)

|_|      Rule 13d-1(d)

*The  remainder of this cover page shall be filled out for a reporting  person's
initial filing on this form with respect to the subject class of securities, and
for any  subsequent  amendment  containing  information  which  would  alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the  Securities  Exchange  Act of
1934 ("Act") or otherwise  subject to the liabilities of that section of the Act
but  shall be  subject  to all other  provisions  of the Act  (however,  see the
Notes).




Potential persons who are to respond to the collection of information  contained
in this form are not  required to respond  unless the form  displays a currently
valid OMB control number.
OMB Number: 3235-0145
Expires:  August 31, 1999


<PAGE>



CUSIP No
33749210-2

- --------------------------------------------------------------------------------
1.   Names of  Reporting  Person:  The First  National  Bank of West Chester t/a
     FIRSTNATCO.

     I.R.S. Identification Nos. of above persons (entities only): 23-6465300.

- --------------------------------------------------------------------------------

2.   Check the Appropriate Box if a Member of a Group (See Instructions)

                  (a)

                  (b)

- --------------------------------------------------------------------------------
3.   SEC Use Only

- --------------------------------------------------------------------------------

4.   Citizenship or Place of Organization: Pennsylvania.

- --------------------------------------------------------------------------------
Number of         5.       Sole Voting Power                  535,497
Shares Bene-      --------------------------------------------------------------
ficially          6.       Shared Voting Power                293,029
Owned by Each     --------------------------------------------------------------
Reporting         7.       Sole Dispositive Power             424,760
Person With:      --------------------------------------------------------------
                  8.       Shared Dispositive Power           191,158

- --------------------------------------------------------------------------------

9.   Aggregate Amount Beneficially Owned By Each Reporting Person: 828,526

- --------------------------------------------------------------------------------

10.  Check if the  Aggregate  Amount in Row (9)  Excludes  Certain  Shares  (See
     Instructions)
- --------------------------------------------------------------------------------

11.  Percent of Class Represented by Amount in Row (9): 18.23%

- --------------------------------------------------------------------------------
12.  Type of Reporting Person (See Instructions): BK

- --------------------------------------------------------------------------------
<PAGE>


                                 SCHEDULE 13G/A
                                 AMENDMENT NO. 3
                                 ---------------

         This Amendment No. 3 amends the Schedule 13G dated  September 22, 1997,
as amended by Amendments No. 1 and No. 2 thereto (the  "Original  Schedule 13G")
of The First  National Bank of West Chester t/a  FIRSTNATCO  with respect to the
Common Stock, par value $1.00, of First West Chester Corporation, a Pennsylvania
corporation,  and is filed in accordance  with 17 C.F.R.  Sec.  240.13d-2(b)  to
report changes in the  information  reported in the Original  Schedule 13G as of
December 31, 1999. Except as disclosed  herein,  there has been no change in the
information reported in the Original Schedule 13G.


Item 4.  Ownership.

         See Items 5 through 9 and 11 on the cover page.

Item 10.  Certification

         By  signing  below I  certify  that,  to the best of my  knowledge  and
belief,  the  securities  referred  to above were  acquired  and are held in the
ordinary  course  of  business  and were not  acquired  and are not held for the
purpose of or with the effect of  changing  or  influencing  the  control of the
issuer of the  securities  and were not acquired and are not held in  connection
with or as a participant in any transaction having that purpose or effect.

         This report is not an admission  that the First  National  Bank of West
Chester is the beneficial  owner of any securities  covered by this report,  and
the First National Bank of West Chester expressly disclaims beneficial ownership
of all shares reported herein pursuant to Rule 13d-4.

                                    SIGNATURE

         After reasonable  inquiry and to the best of my knowledge and belief, I
certify that the information  set forth in this statement is true,  complete and
correct.

                                  February 14, 2000
                                  -----------------
                                        Date


                                  /s/J. Duncan Smith
                                  ------------------
                                       Signature


                                  J. Duncan Smith, E.V.P. and Treasurer
                                  -------------------------------------
                                       Name/Title


                                  /s/Kevin C. Quinn
                                  -----------------
                                       Signature


                                  Kevin C. Quinn, E.V.P. and Assistant Treasurer
                                  ----------------------------------------------
                                       Name/Title



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