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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: June 30, 2000
Check here if Amendment [ ]; Amendment Number:
This Amendment (Check only one.) [ ] is a restamement.
[ ] adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: NBT Bank, N.A.
Address: 52 South Broad Street
Norwich, New York 13815
13F File Number: 28-3594
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: David J. Hildebrandt
Title: Trust Tax and Compliance Officer
Phone: (607) 337-6497
Signature, Place, and Date of Signing:
/s/ David J. Hildebrandt Norwich, New York August 8, 2000
Report Type (Check only one):
[ X ] 13F Holdings Report
[ ] 13F Notice
[ ] 13F Combination Report
List of Other Managers Reporting for this Manager: N/A
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE COMMISSION ACT
OF 1934.
<PAGE>
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 666
Form 13F Information Table Value Total: $292,955 (in thousands)
List of Other Included Managers: NONE
<PAGE>
<TABLE>
<CAPTION>
FORM 13F INFORMATION TABLE
TITLE VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>
A C MOORE ARTS & CRAFTS INC COM 00086T103 3 500 SH SOLE 500 0 0
AAR CORP COM 361105 0 64 SH DEFINED 64 0 0
ABBOTT LABS COM 2824100 724 16250 SH DEFINED 8300 4950 3000
ABBOTT LABS COM 2824100 2650 59480 SH SOLE 57280 0 2200
ACM GOVERNMENT INCOME FUND 912105 12 1800 SH SOLE 1800 0 0
ADOBE SYS INC COM 00724F101 26 200 SH DEFINED 0 0 200
AFFILIATED COMPUTER SVCS CL A 8190100 165 5000 SH DEFINED 5000 0 0
AFFYMETRIX INC COM 00826T108 8 50 SH SOLE 0 0 50
AGILENT TECHNOLOGIES INC COM 00846U101 326 4426 SH DEFINED 3497 454 475
AGILENT TECHNOLOGIES INC COM 00846U101 555 7533 SH SOLE 7305 0 228
AIR PRODS & CHEMS INC COM 9158106 12 400 SH DEFINED 400 0 0
AIR PRODS & CHEMS INC COM 9158106 12 400 SH SOLE 400 0 0
ALBERTSONS INC COM 13104104 3 100 SH SOLE 100 0 0
ALCATEL SPONSOR 13904305 6 100 SH SOLE 100 0 0
ALLEGHENY ENERGY INC COM 17361106 13 500 SH DEFINED 100 0 400
ALLEGHENY ENERGY INC COM 17361106 27 1000 SH SOLE 1000 0 0
ALLEGHENY TECHNOLOGIES INC COM 01741R102 0 4 SH DEFINED 4 0 0
ALLIANCE FINANCIAL CORP NY COM 19205103 99 4762 SH DEFINED 4298 0 464
ALLIANCE FINANCIAL CORP NY COM 19205103 19 945 SH SOLE 945 0 0
ALLIANCE PHARMACEUTICAL COM 18773101 22 2000 SH SOLE 2000 0 0
ALLIANT CORP COM 18802108 8 342 SH SOLE 342 0 0
ALLIED CAP CORP NEW COM 01903Q108 17 1000 SH DEFINED 0 1000 0
ALLSTATE CORP COM 20002101 9 446 SH DEFINED 446 0 0
ALLSTATE CORP COM 20002101 39 1776 SH SOLE 1776 0 0
ALLTEL CORP COM 20039103 51 827 SH DEFINED 227 600 0
ALLTEL CORP COM 20039103 232 3749 SH SOLE 3649 0 100
ALZA CORP DEL COM 22615108 12 218 SH DEFINED 0 218 0
ALZA CORP DEL COM 22615108 11 200 SH SOLE 200 0 0
AMERADA HESS CORP COM 23551104 10 168 SH DEFINED 168 0 0
AMERADA HESS CORP COM 23551104 6 100 SH SOLE 100 0 0
AMEREN CORP COM 23608102 8 257 SH SOLE 257 0 0
AMERICA ONLINE INC DEL COM 02364J104 205 3900 SH DEFINED 2800 0 1100
AMERICA ONLINE INC DEL COM 02364J104 420 7980 SH SOLE 7780 200 0
AMERICAN CLASSIC VOYAGES CO COM 24928103 12 600 SH DEFINED 0 600 0
AMERICAN ELEC PWR INC COM 25537101 39 1344 SH DEFINED 1344 0 0
AMERICAN ELEC PWR INC COM 25537101 10 358 SH SOLE 358 0 0
AMERICAN EXPRESS CO COM 25816109 194 3735 SH DEFINED 2010 150 1575
AMERICAN EXPRESS CO COM 25816109 145 2790 SH SOLE 2790 0 0
AMERICAN HOME PRODS CORP COM 26609107 277 4720 SH DEFINED 4370 100 250
AMERICAN HOME PRODS CORP COM 26609107 940 16000 SH SOLE 14300 0 1700
AMERICAN INTL GROUP INC COM 26874107 1223 10410 SH DEFINED 8821 756 833
AMERICAN INTL GROUP INC COM 26874107 1975 16817 SH SOLE 16605 150 62
AMERICAN POWER CONV CORP COM 29066107 20 510 SH DEFINED 400 0 110
AMGEN INC COM 31162100 2186 31118 SH DEFINED 0 0 31118
AMGEN INC COM 31162100 7 100 SH SOLE 100 0 0
ANHEUSER BUSCH COS INC COM 35229103 183 2456 SH DEFINED 200 2256 0
ANHEUSER BUSCH COS INC COM 35229103 253 3400 SH SOLE 3400 0 0
APPLE COMPUTER INC COM 37833100 10 200 SH DEFINED 200 0 0
APPLE COMPUTER INC COM 37833100 20 400 SH SOLE 400 0 0
APPLIED MICRO CIRCUITS CORP COM 03822W109 2 30 SH DEFINED 0 0 30
ARCHER DANIELS MIDLAND CO COM 39483102 2 254 SH DEFINED 0 0 254
ASSOCIATES FIRST CAP CORP CL A 46008108 74 3346 SH DEFINED 644 52 2650
ASSOCIATES FIRST CAP CORP CL A 46008108 70 3148 SH SOLE 3044 0 104
ASTORIA FINL CORP COM 46265104 5 200 SH DEFINED 0 0 200
ASTORIA FINL CORP COM 46265104 18 730 SH SOLE 730 0 0
AT&T CORP COM 1957109 1098 34747 SH DEFINED 21517 4661 8569
AT&T CORP COM LIB 1957208 7 290 SH DEFINED 0 0 290
AT&T CORP COM WIR 1957406 5 200 SH DEFINED 200 0 0
AT&T CORP COM 1957109 1817 57489 SH SOLE 54849 750 1890
AUTOLIV INC COM 52800109 672 27935 SH DEFINED 19446 3437 5052
AUTOLIV INC COM 52800109 834 34668 SH SOLE 31416 0 3252
AUTOMATIC DATA PROCESSING COM 53015103 972 18150 SH DEFINED 15000 1900 1250
AUTOMATIC DATA PROCESSING COM 53015103 1113 20800 SH SOLE 20800 0 0
AVENTIS SPONSOR 53561106 36 500 SH DEFINED 0 500 0
AVNET INC COM 53807103 1 26 SH DEFINED 26 0 0
BANCO SNTNDR CENT HISPANO ADR 05964H105 63 6120 SH DEFINED 0 6120 0
BANK NEW YORK INC COM 64057102 477 10272 SH DEFINED 1600 400 8272
BANK NEW YORK INC COM 64057102 803 17275 SH SOLE 17275 0 0
BANK OF AMERICA CORPORATION COM 60505104 52 1213 SH DEFINED 894 200 119
BANK OF AMERICA CORPORATION COM 60505104 734 17082 SH SOLE 17082 0 0
BANK ONE CORP COM 06423A103 10 401 SH DEFINED 401 0 0
BANK ONE CORP COM 06423A103 73 2762 SH SOLE 2762 0 0
BANKNORTH GROUP INC NEW COM 06646R107 12 803 SH DEFINED 803 0 0
BARCLAYS BK PLC AM DEP 06738C836 134 5800 SH SOLE 5800 0 0
BARR LABS INC COM 68306109 33 750 SH SOLE 750 0 0
BAUSCH & LOMB INC COM 71707103 232 3000 SH DEFINED 3000 0 0
BAXTER INTL INC COM 71813109 12 183 SH DEFINED 153 0 30
BAXTER INTL INC COM 71813109 44 627 SH SOLE 627 0 0
BELL ATLANTIC CORP COM 77853109 1139 22432 SH DEFINED 16582 1370 4480
BELL ATLANTIC CORP COM 77853109 2625 51682 SH SOLE 50382 0 1300
BELLSOUTH CORP COM 79860102 711 16700 SH DEFINED 12276 2028 2396
BELLSOUTH CORP COM 79860102 1875 44004 SH SOLE 41604 0 2400
BEN & JERRYS HOMEMADE INC CL A 81465106 1 30 SH DEFINED 0 0 30
BERKSHIRE HATHAWAY INC DEL CL B 84670207 128 73 SH DEFINED 63 10 0
BERKSHIRE HATHAWAY INC DEL CL B 84670207 109 62 SH SOLE 62 0 0
BESTFOODS COM 08658U101 308 4450 SH DEFINED 2500 600 1350
BESTFOODS COM 08658U101 1533 22150 SH SOLE 21750 400 0
BJ SVCS CO COM 55482103 0 4 SH SOLE 4 0 0
BOEING CO COM 97023105 465 11126 SH DEFINED 9426 1500 200
BOEING CO COM 97023105 792 18960 SH SOLE 18760 0 200
BOISE CASCADE CORP COM 97383103 7 300 SH SOLE 300 0 0
BOWATER INC COM 102183100 1 40 SH DEFINED 0 0 40
BOWNE & CO INC COM 103043105 6 600 SH DEFINED 600 0 0
BP AMOCO P L C SPONSOR 55622104 1818 32150 SH DEFINED 24387 1676 6087
BP AMOCO P L C SPONSOR 55622104 3759 66472 SH SOLE 66472 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 4176 71693 SH DEFINED 52019 7024 12650
BRISTOL MYERS SQUIBB CO COM 110122108 5654 97062 SH SOLE 92582 1000 3480
BROADWING INC COM 111620100 340 13120 SH DEFINED 0 13120 0
BROADWING INC COM 111620100 236 9106 SH SOLE 9106 0 0
BSB BANCORP COM 55652101 30 1508 SH DEFINED 1508 0 0
BSB BANCORP COM 55652101 7 384 SH SOLE 384 0 0
BURLINGTON RES INC COM 122014103 3 80 SH DEFINED 0 0 80
CAMDEN PPTY TR SH BEN 133131102 16 558 SH DEFINED 558 0 0
CAMPBELL SOUP CO COM 134429109 39 1340 SH DEFINED 0 1340 0
CAMPBELL SOUP CO COM 134429109 110 3800 SH SOLE 3800 0 0
CARDINAL HEALTH INC COM 14149Y108 5 69 SH DEFINED 19 0 50
CARDINAL HEALTH INC COM 14149Y108 11 155 SH SOLE 155 0 0
CARNIVAL CORP COM 143658102 18 966 SH DEFINED 300 666 0
CARNIVAL CORP COM 143658102 5 300 SH SOLE 300 0 0
CATERPILLAR INC DEL COM 149123101 296 8750 SH DEFINED 7800 200 750
CATERPILLAR INC DEL COM 149123101 550 16245 SH SOLE 16045 200 0
CENDANT CORP COM 151313103 14 1000 SH DEFINED 1000 0 0
CENTURYTEL INC COM 156700106 12 426 SH SOLE 426 0 0
CH ENERGY GROUP INC COM 12541M102 3 111 SH DEFINED 111 0 0
CH ENERGY GROUP INC COM 12541M102 18 553 SH SOLE 403 0 150
CHARTER ONE FINL INC COM 160903100 19 856 SH DEFINED 0 0 856
CHASE MANHATTAN CORP NEW COM 16161A108 340 7383 SH DEFINED 4923 900 1560
CHASE MANHATTAN CORP NEW COM 16161A108 428 9299 SH SOLE 9299 0 0
CHEVRON CORPORATION COM 166751107 489 5769 SH DEFINED 2657 1340 1772
CHEVRON CORPORATION COM 166751107 1386 16350 SH SOLE 16250 0 100
CHIRON CORP COM 170040109 23 500 SH DEFINED 0 500 0
CHITTENDEN CORP COM 170228100 8 332 SH SOLE 332 0 0
CIGNA CORP COM 125509109 84 900 SH DEFINED 900 0 0
CIGNA CORP COM 125509109 308 3300 SH SOLE 3300 0 0
CINERGY CORP COM 172474108 8 315 SH SOLE 315 0 0
CIRCUIT CITY STORE INC CARMAX 172737306 3 1000 SH SOLE 1000 0 0
CISCO SYS INC COM 17275R102 2095 32970 SH DEFINED 18980 2280 11710
CISCO SYS INC COM 17275R102 2197 34563 SH SOLE 34163 200 200
CITIGROUP INC COM 172967101 614 10205 SH DEFINED 5622 1443 3140
CITIGROUP INC COM 172967101 1475 24488 SH SOLE 24338 0 150
CITIZENS COMMUNICATIONS CO COM 17453B101 22 1311 SH DEFINED 1311 0 0
CLECO CORP NEW COM 12561W105 26 800 SH DEFINED 800 0 0
CNB FINL CORP COM 125921106 10 1000 SH DEFINED 1000 0 0
COASTAL CORP COM 190441105 12 200 SH SOLE 200 0 0
COCA COLA CO COM 191216100 1654 28812 SH DEFINED 19604 3100 6108
COCA COLA CO COM 191216100 3396 59140 SH SOLE 56522 550 2068
COHOES BANCORP INC COM 192513109 20 1500 SH DEFINED 1500 0 0
COHOES BANCORP INC COM 192513109 6 500 SH SOLE 500 0 0
COLGATE PALMOLIVE CO COM 194162103 601 10040 SH DEFINED 6440 0 3600
COLGATE PALMOLIVE CO COM 194162103 1522 25426 SH SOLE 24826 600 0
COLONIAL PPTYS TR COM SH 195872106 23 850 SH DEFINED 850 0 0
COMMERCIAL NET LEASE RLTY COM 202218103 8 800 SH SOLE 800 0 0
COMMSCOPE INC COM 203372107 41 1000 SH DEFINED 0 1000 0
COMPAQ COMPUTER CORP COM 204493100 177 6950 SH DEFINED 3550 0 3400
COMPAQ COMPUTER CORP COM 204493100 824 32250 SH SOLE 32250 0 0
COMPUTER ASSOC INTL INC COM 204912109 42 825 SH SOLE 825 0 0
CONAGRA INC COM 205887102 114 6000 SH SOLE 6000 0 0
CONECTIV INC COM 206829103 14 900 SH SOLE 900 0 0
CONSECO INC COM 208464107 0 2 SH DEFINED 0 2 0
CONSOLIDATED EDISON INC COM 209115104 38 1291 SH DEFINED 537 0 754
CONSOLIDATED EDISON INC COM 209115104 170 5748 SH SOLE 4898 0 850
CONSTELLATION ENERGY CORP COM 210371100 142 4377 SH SOLE 4377 0 0
CONVERGYS CORP COM 212485106 301 5806 SH SOLE 5806 0 0
COOPER INDS INC COM 216669101 65 2016 SH DEFINED 2016 0 0
CORN PRODS INTL INC COM 219023108 11 425 SH DEFINED 225 50 150
CORN PRODS INTL INC COM 219023108 5 225 SH SOLE 225 0 0
CORNING INC COM 219350105 404 1500 SH DEFINED 600 500 400
CORNING INC COM 219350105 877 3250 SH SOLE 3250 0 0
CORPORATE OFFICE PPTYS TR SH BEN 22002T108 45 5000 SH DEFINED 0 0 5000
COSTCO WHSL CORP NEW COM 22160K105 4 150 SH DEFINED 0 0 150
COUNTRYWIDE CR INDS INC DEL COM 222372104 29 974 SH SOLE 974 0 0
COVANCE INC COM 222816100 0 75 SH DEFINED 75 0 0
COVANCE INC COM 222816100 0 50 SH SOLE 50 0 0
CRESCENDO PHARMACEUTICALS CL A 225637107 2 113 SH DEFINED 113 0 0
CROWN CORK & SEAL INC COM 228255105 43 2900 SH DEFINED 2900 0 0
CSX CORP COM 126408103 19 900 SH SOLE 900 0 0
CTG RES INC COM 125957100 11 300 SH SOLE 300 0 0
CYTEC INDS INC COM 232820100 1 45 SH DEFINED 45 0 0
DAIMLERCHRYSLER AG ORD D1668R123 6 125 SH DEFINED 125 0 0
DAIMLERCHRYSLER AG ORD D1668R123 50 979 SH SOLE 979 0 0
DANA CORP COM 235811106 19 932 SH SOLE 932 0 0
DEERE & CO COM 244199105 55 1500 SH DEFINED 1500 0 0
DEERE & CO COM 244199105 196 5300 SH SOLE 5300 0 0
DELL COMPUTER CORP COM 247025109 855 17350 SH DEFINED 11000 0 6350
DELL COMPUTER CORP COM 247025109 1445 29316 SH SOLE 29316 0 0
DELPHI AUTOMOTIVE SYS CORP COM 247126105 61 4228 SH DEFINED 1786 69 2373
DELPHI AUTOMOTIVE SYS CORP COM 247126105 27 1867 SH SOLE 1731 0 136
DELUXE CORP COM 248019101 1 52 SH SOLE 52 0 0
DISNEY WALT CO COM 254687106 846 21800 SH DEFINED 10550 0 11250
DISNEY WALT CO COM 254687106 1302 33550 SH SOLE 33550 0 0
DOMINION RES INC VA NEW COM 25746U109 305 7125 SH DEFINED 4430 2245 450
DOMINION RES INC VA NEW COM 25746U109 628 14661 SH SOLE 14661 0 0
DONNELLEY R R & SONS CO COM 257867101 2 100 SH DEFINED 0 0 100
DOVER CORP COM 260003108 267 6600 SH DEFINED 3600 400 2600
DOVER CORP COM 260003108 1084 26750 SH SOLE 26350 0 400
DOW CHEM CO COM 260543103 479 15900 SH DEFINED 11400 300 4200
DOW CHEM CO COM 260543103 624 20676 SH SOLE 19641 300 735
DPL INC COM 233293109 20 930 SH DEFINED 930 0 0
DQE INC COM 23329J104 11 300 SH DEFINED 300 0 0
DST SYS INC DEL COM 233326107 228 3000 SH DEFINED 3000 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 1439 32892 SH DEFINED 22715 3877 6300
DU PONT E I DE NEMOURS & CO COM 263534109 1602 36632 SH SOLE 36532 100 0
DUKE ENERGY CORP COM 264399106 165 2928 SH DEFINED 2778 100 50
DUKE ENERGY CORP COM 264399106 270 4800 SH SOLE 4300 500 0
DUN & BRADSTREET CORP DEL COM 26483B106 14 500 SH DEFINED 0 0 500
DUN & BRADSTREET CORP DEL COM 26483B106 114 4000 SH SOLE 4000 0 0
E M C CORP MASS COM 268648102 153 2000 SH DEFINED 2000 0 0
E M C CORP MASS COM 268648102 438 5700 SH SOLE 5700 0 0
EARTHGRAINS CO COM 270319106 0 42 SH DEFINED 0 42 0
EASTMAN CHEM CO COM 277432100 20 435 SH DEFINED 8 225 202
EASTMAN CHEM CO COM 277432100 54 1135 SH SOLE 1135 0 0
EASTMAN KODAK CO COM 277461109 169 2854 SH DEFINED 1432 800 622
EASTMAN KODAK CO COM 277461109 840 14118 SH SOLE 14118 0 0
ECHOSTAR COMMUNICATIONS NEW CL A 278762109 3 110 SH DEFINED 0 0 110
EDISON INTL COM 281020107 22 1100 SH DEFINED 600 0 500
EDISON INTL COM 281020107 90 4432 SH SOLE 4432 0 0
EDWARDS AG INC COM 281760108 11 303 SH DEFINED 303 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 0 36 SH DEFINED 30 0 6
EDWARDS LIFESCIENCES CORP COM 28176E108 2 126 SH SOLE 126 0 0
EL PASO ENERGY CORP DEL COM 283905107 5 100 SH DEFINED 0 0 100
EL PASO ENERGY CORP DEL COM 283905107 1 26 SH SOLE 26 0 0
ELAN PLC ADR 284131208 65 1350 SH SOLE 1350 0 0
ELECTRONIC DATA SYS NEW COM 285661104 82 1992 SH DEFINED 1200 0 792
ELECTRONIC DATA SYS NEW COM 285661104 65 1588 SH SOLE 988 0 600
EMBRATEL PARTICIPACOES S A SPON AD 29081N100 35 1500 SH DEFINED 0 1500 0
EMERGE INTERACTIVE INC CL A 29088W103 1 100 SH DEFINED 0 100 0
EMERSON ELEC CO COM 291011104 486 8052 SH DEFINED 7052 1000 0
EMERSON ELEC CO COM 291011104 84 1400 SH SOLE 1400 0 0
ENERGEN CORP COM 29265N108 6 300 SH SOLE 300 0 0
ENERGY EAST CORP COM 29266M109 229 12054 SH DEFINED 5744 2710 3600
ENERGY EAST CORP COM 29266M109 337 17730 SH SOLE 15730 0 2000
ENRON CORP COM 293561106 132 2050 SH DEFINED 0 2050 0
ENRON CORP COM 293561106 25 400 SH SOLE 400 0 0
ENSCO INTL INC COM 26874Q100 37 1052 SH SOLE 1052 0 0
ENTERGY CORP NEW COM 29364G103 92 3400 SH DEFINED 2400 1000 0
ENTERGY CORP NEW COM 29364G103 134 4950 SH SOLE 4800 0 150
ERICSSON L M TEL CO ADR CL 294821400 476 23840 SH DEFINED 0 23680 160
ERICSSON L M TEL CO ADR CL 294821400 300 15040 SH SOLE 15040 0 0
ESPIRITO SANTO FINL GROUP SPONSOR 29665F200 18 1000 SH DEFINED 0 1000 0
EXXON MOBIL CORP COM 30231G102 7142 90983 SH DEFINED 67597 8570 14816
EXXON MOBIL CORP COM 30231G102 8314 105915 SH SOLE 102303 500 3112
F M C CORP COM NEW 302491303 2 40 SH DEFINED 0 0 40
FAMILY DLR STORES INC COM 307000109 5 300 SH SOLE 300 0 0
FEDERAL NATL MTG ASSN COM 313586109 1269 24336 SH DEFINED 18686 1350 4300
FEDERAL NATL MTG ASSN COM 313586109 2067 39635 SH SOLE 38105 650 880
FEDERATED DEPT STORES INC COM 31410H101 2 70 SH DEFINED 0 0 70
FEDEX CORP COM 31428X106 152 4000 SH DEFINED 4000 0 0
FIRST DATA CORP COM 319963104 201 4070 SH DEFINED 4000 0 70
FIRST DATA CORP COM 319963104 148 3000 SH SOLE 3000 0 0
FIRST TENN NATL CORP COM 337162101 6 400 SH DEFINED 400 0 0
FIRST UN CORP COM 337358105 55 2242 SH DEFINED 2000 162 80
FIRST UN CORP COM 337358105 81 3300 SH SOLE 3300 0 0
FIRSTENERGY CORP COM 337932107 21 904 SH SOLE 904 0 0
FISERV INC COM 337738108 17 400 SH SOLE 400 0 0
FLEETBOSTON FINL CORP COM 339030108 60 1782 SH DEFINED 1436 346 0
FLEETBOSTON FINL CORP COM 339030108 226 6663 SH SOLE 6663 0 0
FLORIDA PROGRESS CORP COM 341109106 2 46 SH SOLE 46 0 0
FLOWERS INDS INC COM 343496105 25 1300 SH SOLE 1300 0 0
FLUOR CORP COM 343861100 18 600 SH DEFINED 0 0 600
FONAR CORP COM 344437108 0 262 SH SOLE 262 0 0
FORD MTR CO DEL COM 345370100 877 20402 SH DEFINED 12412 1400 6590
FORD MTR CO DEL COM 345370100 1577 36685 SH SOLE 36385 0 300
FORTUNE BRANDS INC COM 349631101 11 500 SH DEFINED 500 0 0
FORTUNE BRANDS INC COM 349631101 145 6301 SH SOLE 6301 0 0
FPL GROUP INC COM 302571104 383 7739 SH DEFINED 6489 0 1250
FPL GROUP INC COM 302571104 825 16675 SH SOLE 16275 0 400
FRANKLIN RES INC COM 354613101 9 300 SH DEFINED 300 0 0
FST AUSTRALIA PRIME INCOME COM 318653102 5 1200 SH DEFINED 1200 0 0
GALLAHER GROUP PLC SPONSOR 363595109 6 300 SH DEFINED 300 0 0
GALLAHER GROUP PLC SPONSOR 363595109 62 2925 SH SOLE 2925 0 0
GANNETT INC COM 364730101 1 30 SH DEFINED 0 0 30
GANNETT INC COM 364730101 11 200 SH SOLE 200 0 0
GAP INC DEL COM 364760108 3 120 SH DEFINED 0 0 120
GAP INC DEL COM 364760108 7 225 SH SOLE 225 0 0
GARTNER GROUP INC NEW CL B 366651206 3 390 SH SOLE 390 0 0
GENERAL DYNAMICS CORP COM 369550108 41 800 SH DEFINED 0 0 800
GENERAL ELEC CO COM 369604103 11662 220054 SH DEFINED 133454 35910 50690
GENERAL ELEC CO COM 369604103 15462 291733 SH SOLE 281098 1500 9135
GENERAL MILLS INC COM 370334104 76 2000 SH DEFINED 2000 0 0
GENERAL MILLS INC COM 370334104 84 2200 SH SOLE 2200 0 0
GENERAL MTRS CORP COM 370442105 474 8170 SH DEFINED 4084 200 3886
GENERAL MTRS CORP CL H NE 370442832 3 36 SH DEFINED 2 0 34
GENERAL MTRS CORP COM 370442105 561 9668 SH SOLE 9468 0 200
GENUINE PARTS CO COM 372460105 8 400 SH DEFINED 175 0 225
GENUINE PARTS CO COM 372460105 70 3545 SH SOLE 3545 0 0
GILLETTE CO COM 375766102 670 19200 SH DEFINED 12350 2650 4200
GILLETTE CO COM 375766102 927 26550 SH SOLE 25650 200 700
GLAXO WELLCOME PLC SPONSOR 37733W105 104 1805 SH DEFINED 805 1000 0
GLAXO WELLCOME PLC SPONSOR 37733W105 34 598 SH SOLE 598 0 0
GLOBAL CROSSING LTD COM G3921A100 7 301 SH DEFINED 301 0 0
GLOBAL MARINE INC COM 379352404 14 500 SH DEFINED 0 500 0
GLOBALSTAR TELECOMMS LTD COM G3930H104 9 1000 SH DEFINED 0 1000 0
GOLDMAN SACHS GROUP INC COM 38141G104 3 35 SH DEFINED 0 0 35
GOODRICH B F CO COM 382388106 19 580 SH DEFINED 0 0 580
GOODRICH B F CO COM 382388106 14 418 SH SOLE 418 0 0
GOODYEAR TIRE & RUBR CO COM 382550101 46 2348 SH SOLE 2348 0 0
GPU INC COM 36225X100 0 22 SH DEFINED 0 22 0
GTE CORP COM 362320103 2221 35684 SH DEFINED 24338 9390 1956
GTE CORP COM 362320103 3694 59351 SH SOLE 58451 500 400
GUIDANT CORP COM 401698105 399 8072 SH DEFINED 5844 0 2228
GUIDANT CORP COM 401698105 834 16856 SH SOLE 14252 0 2604
HALLIBURTON CO COM 406216101 23 500 SH DEFINED 0 500 0
HALLIBURTON CO COM 406216101 94 2000 SH SOLE 2000 0 0
HANCOCK JOHN FINL SVCS INC COM 41014S106 0 20 SH DEFINED 20 0 0
HARDINGE INC COM 412324303 9 900 SH DEFINED 0 0 900
HARRIS CORP DEL COM 413875105 13 400 SH DEFINED 400 0 0
HARTFORD FINL SVCS GROUP COM 416515104 1 28 SH SOLE 28 0 0
HAWAIIAN ELEC INDUSTRIES COM 419870100 11 350 SH SOLE 350 0 0
HEINZ H J CO COM 423074103 856 19575 SH DEFINED 9350 4150 6075
HEINZ H J CO COM 423074103 1613 36870 SH SOLE 35970 0 900
HERCULES INC COM 427056106 6 450 SH DEFINED 0 0 450
HERCULES INC COM 427056106 21 1500 SH SOLE 1500 0 0
HERSHEY FOODS CORP COM 427866108 253 5232 SH DEFINED 0 0 5232
HERSHEY FOODS CORP COM 427866108 97 2000 SH SOLE 2000 0 0
HEWLETT PACKARD CO COM 428236103 1452 11630 SH DEFINED 9180 1200 1250
HEWLETT PACKARD CO COM 428236103 2473 19805 SH SOLE 19205 0 600
HOME DEPOT INC COM 437076102 754 15111 SH DEFINED 8530 4600 1981
HOME DEPOT INC COM 437076102 1216 24349 SH SOLE 23849 350 150
HON INDS INC COM 438092108 4 200 SH SOLE 200 0 0
HONEYWELL INTL INC COM 438516106 127 3800 SH DEFINED 800 200 2800
HONEYWELL INTL INC COM 438516106 184 5469 SH SOLE 5469 0 0
HOUSEHOLD INTL INC COM 441815107 3 80 SH DEFINED 0 0 80
HOUSEHOLD INTL INC COM 441815107 32 779 SH SOLE 779 0 0
HSBC HLDGS PLC SPON AD 404280406 34 600 SH DEFINED 0 600 0
HUDSON RIV BANCORP INC COM 444128102 72 6086 SH SOLE 6086 0 0
HUDSON UNITED BANCORP COM 444165104 5 238 SH DEFINED 0 0 238
ICOS CORP COM 449295104 22 500 SH DEFINED 0 500 0
IDACORP INC COM 451107106 16 500 SH DEFINED 0 500 0
IDACORP INC COM 451107106 87 2700 SH SOLE 2700 0 0
IDEC PHARMACEUTICALS CORP COM 449370105 7 65 SH DEFINED 0 0 65
ILLINOIS TOOL WKS INC COM 452308109 63 1121 SH SOLE 1121 0 0
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XEROX CORP COM 984121103 181 8744 SH SOLE 8744 0 0
XL CAP LTD CL A G98255105 8 156 SH SOLE 156 0 0
X-RITE INC COM 983857103 14 1600 SH SOLE 0 0 1600
YAHOO INC COM 984332106 4 40 SH DEFINED 0 0 40
ZEBRA TECHNOLOGIES CORP CL A 989207105 88 2000 SH DEFINED 2000 0 0
</TABLE>
NOTE: ALL HOLDINGS REPORTED
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