<TABLE>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ --------
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
AT&T CORP COM 001957109 799 27234 SH SOLE 27084 0 150
ABBOTT LABS COM 002824100 469 9870 SH SOLE 9870 0 0
ALLEGHENY ENERGY INC COM 017361106 959 25128 SH SOLE 25128 0 0
AMERICAN HOME PRODS CORP COM 026609107 449 7946 SH SOLE 7946 0 0
BANK OF AMERICA CORP 060505104 845 16140 SH SOLE 16140 0 0
BELLSOUTH CORP COM 079860102 1102 27393 SH SOLE 27393 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1217 21310 SH SOLE 21085 0 225
BRISTOL MYERS SQUIBB CO COM 110122108 239 4200 SH DEFINED 4200 0 0
CHEVRON CORPORATION COM 166751107 349 4095 SH SOLE 4095 0 0
CISCO SYS INC COM 17275R102 3216 58212 SH SOLE 57612 0 600
CITIGROUP INC COM 172967101 1430 26468 SH SOLE 26402 0 66
COCA COLA BOTTLING CO CONS COM 191098102 503 12000 SH SOLE 12000 0 0
COCA COLA CO COM 191216100 583 10580 SH SOLE 10580 0 0
CONSTELLATION ENERGY CORP COM 210371100 253 5100 SH DEFINED 5100 0 0
DANAHER CORP DEL COM 235851102 1288 25891 SH SOLE 25891 0 0
DISNEY WALT CO COM 254687106 997 26068 SH SOLE 26068 0 0
DOMINION NEW RES INC VA NEW 25746U109 293 5063 SH SOLE 5063 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 833 20125 SH SOLE 20125 0 0
DUFF & PHELPS UTILS INCOME ICOM 264324104 132 13612 SH SOLE 13612 0 0
E M C CORP MASS COM 268648102 1905 19220 SH SOLE 19220 0 0
ENRON CORP COM 293561106 2026 23130 SH SOLE 23130 0 0
ERICSSON L M TEL CO ADR 294821400 705 47644 SH SOLE 47644 0 0
ERIE INDTY CO CL A 29530P102 453 15426 SH SOLE 15426 0 0
EXXON MOBIL CORP COM 30231G102 4324 48521 SH SOLE 48521 0 0
EXXON MOBIL CORP COM 30231G102 643 7225 SH DEFINED 7225 0 0
F & M NATL CORP COM 302374103 558 22844 SH SOLE 22844 0 0
FEDERAL NATL MTG ASSN COM 313586109 1499 20975 SH SOLE 20925 0 50
FIRST UNITED CORPORATION 33741H107 6977 649115 SH SOLE 649115 0 0
FIRST UNITED CORPORATION 33741H107 452 42099 SH DEFINED 42099 0 0
GENERAL ELEC CO COM 369604103 4421 76654 SH SOLE 76579 0 75
GENERAL MTRS CORP COM 370442105 561 8637 SH SOLE 8637 0 0
GILLETTE CO COM 375766102 337 10945 SH SOLE 10745 0 200
HALLIBURTON CO COM 406216101 706 14435 SH SOLE 14435 0 0
HEWLETT PACKARD CO COM 428236103 783 8074 SH SOLE 7974 0 100
HOME DEPOT INC COM 437076102 2667 50270 SH SOLE 50220 0 50
INTEL CORP COM 458140100 2380 57281 SH SOLE 57281 0 0
INTERNATIONAL BUSINESS MACHSCOM 459200101 1714 15239 SH SOLE 15239 0 0
JOHNSON & JOHNSON COM 478160104 1429 15223 SH SOLE 15223 0 0
KEYSTONE FINANCIAL INC COM 493482103 1237 56886 SH SOLE 56886 0 0
KIMBERLY CLARK CORP COM 494368103 552 9901 SH SOLE 9901 0 0
LILLY ELI & CO COM 532457108 238 2935 SH SOLE 2935 0 0
LUCENT TECHNOLOGIES INC COM 549463107 1067 34935 SH SOLE 34835 0 100
MBNA CORP COM 55262L100 1020 26502 SH SOLE 6502 0 0
MCDONALDS CORP COM 580135101 558 18510 SH SOLE 18510 0 0
MEDTRONIC INC COM 585055106 606 11705 SH SOLE 11705 0 0
MELLON FINL CORP 58551A108 834 18000 SH SOLE 18000 0 0
MERCK & CO INC COM 589331107 2327 31277 SH SOLE 31052 0 225
MICROSOFT CORP COM 594918104 2009 33319 SH SOLE 33319 0 0
MOLEX INC COM 608554101 503 9243 SH SOLE 9243 0 0
MOTOROLA INC COM 620076109 879 31135 SH SOLE 31135 0 0
NOKIA CORP SPONSORED ADR654902204 1693 42533 SH SOLE 42533 0 0
NORTEL NETWORKS CORPORATION 656568102 968 16265 SH SOLE 16265 0 0
NUVEEN INSD QUALITY MUN FD ICOM 67062N103 164 12100 SOLE 12100 0 0
PALM, INC. 696642107 470 8898 SH SOLE 8898 0 0
PEPSICO INC COM 713448108 1426 31005 SH SOLE 31005 0 0
PFIZER INC COM 717081103 2047 45567 SH SOLE 45567 0 0
PROCTER & GAMBLE CO COM 742718109 503 7515 SH SOLE 7515 0 0
QUALCOMM INC COM 47525103 304 4270 SH SOLE 4270 0 0
QWEST COMMUNICATIONS INTL INCOM 749121109 345 7187 SH SOLE 7187 0 0
ROYAL DUTCH PETE CO ADR 780257804 337 5635 SH SOLE 5635 0 0
SBC COMMUNICATIONS INC COM 78387G103 1337 26750 SH SOLE 26750 0 0
SCHLUMBERGER LTD COM 806857108 340 4135 SH SOLE 4135 0 0
TEXACO INC COM 881694103 279 5328 SH SOLE 5128 0 200
TYCO INTL LTD NEW COM 902124106 832 16055 SH SOLE 16055 0 0
VERIZON COMMUNICATIONS 92343V104 2017 41650 SH SOLE 41650 0 0
VODAFONE GROUP PLC NEW SPONSORED ADR92857W100 231 6265 SH SOLE 6265 0 0
WAL MART STORES INC COM 931142103 1337 27788 SH SOLE 27738 0 50
WESTVACO CORP COM 961548104 541 20301 SH SOLE 20301 0 0
WORLDCOM INC GA NEW 98157D106 1305 43002 SH SOLE 42952 0 50
GRAND TOTALS 78802 2155989 2153848 0 2141
</TABLE>
