CHITTENDEN TRUST CO/VT
13F-HR, 1999-10-21
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 FORM 13F COVER PAGE

 SECURITIES AND EXCHANGE COMMISSION FORM 13-F (13F-HR)

 CHITTENDEN CORPORATION
 ATTN MIKE GAUDING - TRUST OPERATIONS
 2 BURLINGTON SQUARE
 BURLINGTON VT  05401

 ASSETS AS OF 09/30/99

 SIGNATURE:		JERRY R CONDON
 NAME:		JERRY R CONDON
 TITLE:		CHIEF INVESTMENT OFFICER
 PHONE:		802 660-1325

 FORM 13F SUMMARY PAGE

 SECURITIES AND EXCHANGE COMMISSION FORM 13-F (13F-HR)

 CHITTENDEN TRUST COMPANY - 1
 BANK OF WESTERN MASSACHUSETTS - 2
 FLAGSHIP BANK AND TRUST COMPANY - 3


 <TABLE>
 FORM 13F INFORMATION TABLE

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    1
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 A T & T CORP                         001957109     1,062     24,413 SH              X          1       23,138                 1,275

 A T & T CORP                         001957109       241      5,540 SH              X   X      1        5,540

 A T & T CORP                         001957109        79      1,814 SH              X          2        1,814

 A T & T CORP                         001957109        25        567 SH              X   X      2          567

 A T & T CORP                         001957109        95      2,178 SH              X          3        2,178

 ABBOTT LABS                          002824100       604     16,475 SH              X          1       16,475

 ABBOTT LABS                          002824100       246      6,714 SH              X   X      1        6,714

 ABBOTT LABS                          002824100        92      2,500 SH              X          2        2,500

 ABBOTT LABS                          002824100       139      3,800 SH              X          3        3,800

 ALLIED-SIGNAL INC                    019512102       292      4,876 SH              X          1        4,876

 ALLIED-SIGNAL INC                    019512102       274      4,576 SH              X   X      1        4,576

 AMERICA ONLINE                       02364J104     1,381     13,270 SH              X          1       12,905                   365

 AMERICA ONLINE                       02364J104       169      1,625 SH              X   X      1        1,600                    25

 AMERICA ONLINE                       02364J104        46        439 SH              X          2          439

 AMERICA ONLINE                       02364J104       198      1,904 SH              X          3        1,904

 AMERICA ONLINE                       02364J104         4         35 SH              X   X      3           35

 AMERICAN EXPRESS CO                  025816109     1,026      7,600 SH              X          1        7,600

 AMERICAN EXPRESS CO                  025816109        20        150 SH              X   X      1          150

 AMERICAN EXPRESS CO                  025816109        41        300 SH              X   X      3          300

 AMERICAN HOME PRODUCTS CORP          026609107     2,004     48,300 SH              X          1       44,300                 4,000

 AMERICAN HOME PRODUCTS CORP          026609107       966     23,268 SH              X   X      1       23,268

 AMERICAN HOME PRODUCTS CORP          026609107        65      1,570 SH              X          2        1,570

 AMERICAN HOME PRODUCTS CORP          026609107        71      1,702 SH              X          3        1,702

 AMERICAN HOME PRODUCTS CORP          026609107         4        100 SH              X   X      3          100

 AMERN INTL GROUP INC                 026874107     7,772     89,401 SH              X          1       87,083                 2,318

                                               ----------
          PAGE TOTAL                               16,916

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    2
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 AMERN INTL GROUP INC                 026874107     1,495     17,194 SH              X   X      1       17,149                    45

 AMERN INTL GROUP INC                 026874107        92      1,054 SH              X          2        1,054

 AMERN INTL GROUP INC                 026874107       664      7,639 SH              X          3        7,639

 AMERN INTL GROUP INC                 026874107         6         68 SH              X   X      3           68

 AMERITECH CORP                       030954101     1,741     26,089 SH              X          1       25,270                   819

 AMERITECH CORP                       030954101       524      7,855 SH              X   X      1        7,855

 AMERITECH CORP                       030954101        12        176 SH              X          2          176

 AMERITECH CORP                       030954101        36        534 SH              X          3          534

 AMGEN INC                            031162100     1,037     12,720 SH              X          1       12,720

 AMGEN INC                            031162100       245      3,000 SH              X   X      1        3,000

 AMSOUTH BANCORPORATION               032165102       211      9,000 SH              X          2        9,000

 ANALOG DEVICES INC                   032654105       460      8,985 SH              X   X      1        8,985

 ARCHER DANIELS MIDLAND CO            039483102       174     14,351 SH              X          1       14,351

 ARCHER DANIELS MIDLAND CO            039483102        68      5,645 SH              X   X      1        5,645

 ASSOCIATES FIRST CAPITAL CORP        046008108     1,648     45,773 SH              X          1       44,948                   825

 ASSOCIATES FIRST CAPITAL CORP        046008108       301      8,355 SH              X   X      1        8,275                    80

 ASSOCIATES FIRST CAPITAL CORP        046008108        52      1,435 SH              X          2        1,435

 ASSOCIATES FIRST CAPITAL CORP        046008108       239      6,639 SH              X          3        6,639

 ASSOCIATES FIRST CAPITAL CORP        046008108         4         98 SH              X   X      3           98

 ATLANTIC RICHFIELD CO                048825103       703      7,929 SH              X          1        6,629                 1,300

 ATLANTIC RICHFIELD CO                048825103       238      2,681 SH              X   X      1        2,681

 ATLANTIC RICHFIELD CO                048825103        44        500 SH              X          3          500

 AUTOMATIC DATA PROCESSING            053015103     2,581     57,838 SH              X          1       56,978                   860

 AUTOMATIC DATA PROCESSING            053015103       639     14,320 SH              X   X      1       14,270                    50

 AUTOMATIC DATA PROCESSING            053015103       114      2,555 SH              X          2        2,555

                                               ----------
          PAGE TOTAL                               13,328

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    3
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 AUTOMATIC DATA PROCESSING            053015103       353      7,902 SH              X          3        7,902

 AUTOMATIC DATA PROCESSING            053015103        12        280 SH              X   X      3          280

 BP AMOCO PLC SPONSORED ADR           055622104     1,558     14,063 SH              X          1       13,733                   330

 BP AMOCO PLC SPONSORED ADR           055622104       399      3,599 SH              X   X      1        3,599

 BANK ONE CORP                        06423A103     1,288     37,000 SH              X          1       36,307                   693

 BANK ONE CORP                        06423A103       181      5,209 SH              X   X      1        5,209

 BANK ONE CORP                        06423A103        31        891 SH              X          2          891

 BANK ONE CORP                        06423A103       154      4,437 SH              X          3        4,437

 BANK ONE CORP                        06423A103         2         62 SH              X   X      3           62

 BANKBOSTON CORP                      06605R106       401      9,251 SH              X          1        9,251

 BANKBOSTON CORP                      06605R106        35        800 SH              X   X      1          800

 BANKBOSTON CORP                      06605R106        13        300 SH              X          3          300

 BANKNORTH GROUP INC                  06646L100       189      6,325 SH              X          1        5,747                   578

 BANKNORTH GROUP INC                  06646L100        79      2,654 SH              X   X      1        2,654

 BELL ATLANTIC CORP                   077853109     2,116     31,431 SH              X          1       29,069                 2,362

 BELL ATLANTIC CORP                   077853109       460      6,832 SH              X   X      1        6,832

 BELL ATLANTIC CORP                   077853109        48        712 SH              X          2          712

 BELL ATLANTIC CORP                   077853109        16        232 SH              X   X      2          232

 BELL ATLANTIC CORP                   077853109        34        502 SH              X          3          502

 BELLSOUTH CORP                       079860102     3,710     82,448 SH              X          1       77,948                 4,500

 BELLSOUTH CORP                       079860102       816     18,124 SH              X   X      1       18,124

 BELLSOUTH CORP                       079860102        75      1,668 SH              X          2        1,668

 BELLSOUTH CORP                       079860102        27        609 SH              X   X      2          609

 BELLSOUTH CORP                       079860102        81      1,800 SH              X          3        1,800

 BERKSHIRE HATHAWAY                   084670108       220          4 SH              X          1            4

                                               ----------
          PAGE TOTAL                               12,298

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    4
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 BERKSHIRE HATHAWAY CLASS B           084670207       215        116 SH              X          1          116

 BERKSHIRE HATHAWAY CLASS B           084670207        84         45 SH              X   X      1           45

 BERKSHIRE HATHAWAY CLASS B           084670207        30         16 SH              X          3           16

 BESTFOODS                            08658U101     1,827     37,622 SH              X          1       35,772                 1,850

 BESTFOODS                            08658U101       496     10,210 SH              X   X      1       10,130                    80

 BESTFOODS                            08658U101        57      1,173 SH              X          2        1,173

 BESTFOODS                            08658U101       227      4,679 SH              X          3        4,679

 BESTFOODS                            08658U101         3         64 SH              X   X      3           64

 BOEING CO                            097023105        17        400 SH              X          1          200                   200

 BOEING CO                            097023105       878     20,596 SH              X   X      1        5,468                15,128

 BOEING CO                            097023105         4         90 SH              X          3           90

 BOWNE & CO, INC                      103043105       129     10,632 SH              X          3       10,632

 BRADFORD OIL COMPANY INC CL B        104320X19       220    121,027 SH              X          1      121,027

 BRISTOL MYERS SQUIBB CO              110122108     5,337     79,073 SH              X          1       77,528                 1,545

 BRISTOL MYERS SQUIBB CO              110122108     2,073     30,704 SH              X   X      1       28,649                 2,055

 BRISTOL MYERS SQUIBB CO              110122108        50        740 SH              X          2          740

 BRISTOL MYERS SQUIBB CO              110122108       306      4,534 SH              X          3        4,534

 BRISTOL MYERS SQUIBB CO              110122108         3         45 SH              X   X      3           45

 BURLINGTON NORTHERN SANTA FE         12189T104       216      7,858 SH              X          1        7,558                   300

 BURLINGTON NORTHERN SANTA FE         12189T104       320     11,646 SH              X   X      1        7,146                 4,500

 BURLINGTON NORTHERN SANTA FE         12189T104        15        537 SH              X   X      2          537

 CSX CORP                             126408103       122      2,880 SH              X          1        2,880

 CSX CORP                             126408103       263      6,200 SH              X   X      1        1,200                 5,000

 CSX CORP                             126408103        18        414 SH              X   X      2          414

 CAMPBELL SOUP CO                     134429109       219      5,600 SH              X          1        5,600

                                               ----------
          PAGE TOTAL                               13,129

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    5
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 CARDINAL HEALTH INC                  14149Y108       805     14,762 SH              X          1       14,542                   220

 CARDINAL HEALTH INC                  14149Y108        88      1,615 SH              X   X      1        1,615

 CARDINAL HEALTH INC                  14149Y108        21        390 SH              X          2          390

 CARDINAL HEALTH INC                  14149Y108       165      3,022 SH              X          3        3,022

 CARDINAL HEALTH INC                  14149Y108        13        247 SH              X   X      3          247

 CARNIVAL CORP                        143658102     1,569     36,058 SH              X          1       35,308                   750

 CARNIVAL CORP                        143658102       186      4,265 SH              X   X      1        4,265

 CARNIVAL CORP                        143658102        52      1,190 SH              X          2        1,190

 CARNIVAL CORP                        143658102       303      6,956 SH              X          3        6,956

 CARNIVAL CORP                        143658102         4         95 SH              X   X      3           95

 CENTRAL & SOUTH WEST CORP            152357109       139      6,575 SH              X          1        6,575

 CENTRAL & SOUTH WEST CORP            152357109       107      5,048 SH              X   X      1        5,048

 CHAMPLAIN BANK CORP COM              15871P108       207        690 SH              X          1          690

 CHEMFAB CORP                         16361L102       161     10,000 SH              X          1                             10,000

 CHEVRON CORP                         166751107     2,689     30,297 SH              X          1       30,057                   240

 CHEVRON CORP                         166751107       381      4,289 SH              X   X      1        4,269                    20

 CHEVRON CORP                         166751107        96      1,085 SH              X          2        1,085

 CHEVRON CORP                         166751107       209      2,354 SH              X          3        2,354

 CHEVRON CORP                         166751107         3         35 SH              X   X      3           35

 CHITTENDEN CORP                      170228100     6,435    225,792 SH              X          1      184,361                41,431

 CHITTENDEN CORP                      170228100     2,011     70,573 SH              X   X      1       64,511                 6,062

 CHITTENDEN CORP                      170228100        75      2,640 SH              X          2        2,640

 CISCO SYSTEMS INC                    17275R102     4,728     68,955 SH              X          1       66,993                 1,962

 CISCO SYSTEMS INC                    17275R102       971     14,168 SH              X   X      1       14,103                    65

 CISCO SYSTEMS INC                    17275R102       245      3,570 SH              X          2        3,570

                                               ----------
          PAGE TOTAL                               21,663

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    6
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 CISCO SYSTEMS INC                    17275R102       760     11,087 SH              X          3       11,087

 CISCO SYSTEMS INC                    17275R102       116      1,699 SH              X   X      3        1,699

 CITIGROUP INC                        172967101       620     14,099 SH              X          1       13,724                   375

 CITIGROUP INC                        172967101       156      3,536 SH              X   X      1        3,536

 CITIGROUP INC                        172967101        33        750 SH              X   X      3          750

 COBBLE HILL HOLDINGS, INC CL B       19088P208       755     75,455 SH              X   X      1       75,455

 COCA COLA CO                         191216100     3,156     65,404 SH              X          1       65,079                   325

 COCA COLA CO                         191216100     1,347     27,915 SH              X   X      1       27,915

 COCA COLA CO                         191216100        88      1,834 SH              X          3        1,834

 COLGATE PALMOLIVE CO                 194162103       371      8,107 SH              X          1        6,081                 2,026

 COLGATE PALMOLIVE CO                 194162103        68      1,480 SH              X          3        1,480

 CUROCO CORPORATION (SUBCHAPTER       231293101        26     10,000 SH              X          1       10,000
 S CORPORATION)
 DPL INC                              233293109       202     11,479 SH              X          1       11,479

 DPL INC                              233293109        21      1,182 SH              X   X      1        1,182

 DANAHER CORP                         235851102     1,932     36,661 SH              X          1       35,711                   950

 DANAHER CORP                         235851102       531     10,075 SH              X   X      1       10,010                    65

 DANAHER CORP                         235851102        56      1,055 SH              X          2        1,055

 DANAHER CORP                         235851102       266      5,057 SH              X          3        5,057

 DANAHER CORP                         235851102         3         56 SH              X   X      3           56

 DAYTON HUDSON CORP                   239753106       429      7,150 SH              X          1        7,150

 DAYTON HUDSON CORP                   239753106        78      1,300 SH              X   X      1        1,300

 DISNEY, WALT                         254687106     2,322     89,290 SH              X          1       87,655                 1,635

 DISNEY, WALT                         254687106       452     17,400 SH              X   X      1       17,315                    85

 DISNEY, WALT                         254687106        35      1,355 SH              X          2        1,355

 DISNEY, WALT                         254687106       321     12,337 SH              X          3       12,337

                                               ----------
          PAGE TOTAL                               14,144

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    7
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 DISNEY, WALT                         254687106        19        713 SH              X   X      3          713

 DOW CHEMICAL CO                      260543103       230      2,025 SH              X          1        2,025

 DOW CHEMICAL CO                      260543103       182      1,604 SH              X   X      1        1,604

 DUPONT E I DE NEMOURS & CO           263534109     3,319     54,863 SH              X          1       54,153                   710

 DUPONT E I DE NEMOURS & CO           263534109       902     14,910 SH              X   X      1       14,875                    35

 DUPONT E I DE NEMOURS & CO           263534109        40        660 SH              X          2          660

 DUPONT E I DE NEMOURS & CO           263534109       319      5,272 SH              X          3        5,272

 DUPONT E I DE NEMOURS & CO           263534109         6        100 SH              X   X      3          100

 DUKE ENERGY CORP                     264399106     1,231     22,324 SH              X          1       21,764                   560

 DUKE ENERGY CORP                     264399106       174      3,162 SH              X   X      1        3,162

 DUKE ENERGY CORP                     264399106        26        475 SH              X          2          475

 DUKE ENERGY CORP                     264399106       198      3,590 SH              X          3        3,590

 DUKE ENERGY CORP                     264399106         3         56 SH              X   X      3           56

 EMC CORP                             268648102     1,823     25,545 SH              X          1       22,585                 2,960

 EMC CORP                             268648102       219      3,075 SH              X   X      1        3,045                    30

 EMC CORP                             268648102        44        615 SH              X          2          615

 EMC CORP                             268648102       419      5,875 SH              X          3        5,875

 EMC CORP                             268648102         4         52 SH              X   X      3           52

 EASTMAN KODAK CO                     277461109       470      6,212 SH              X          1        6,112                   100

 EASTMAN KODAK CO                     277461109       416      5,500 SH              X   X      1        3,000      2,500

 EMERSON ELECTRIC CO                  291011104       753     11,915 SH              X          1       11,315                   600

 EMERSON ELECTRIC CO                  291011104       440      6,960 SH              X   X      1        6,960

 EMERSON ELECTRIC CO                  291011104        25        400 SH              X          2          400

 EMERSON ELECTRIC CO                  291011104        43        680 SH              X          3          680

 ENRON CORP                           293561106     3,592     87,471 SH              X          1       86,136                 1,335

                                               ----------
          PAGE TOTAL                               14,897

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    8
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 ENRON CORP                           293561106       902     21,970 SH              X   X      1       21,900                    70

 ENRON CORP                           293561106        55      1,340 SH              X          2        1,340

 ENRON CORP                           293561106       483     11,765 SH              X          3       11,765

 ENRON CORP                           293561106         5        130 SH              X   X      3          130

 EXXON CORP                           302290101    10,823    142,402 SH              X          1      137,687                 4,715

 EXXON CORP                           302290101     2,510     33,021 SH              X   X      1       33,021

 EXXON CORP                           302290101       150      1,970 SH              X          2        1,970

 EXXON CORP                           302290101       313      4,112 SH              X          3        4,112

 EXXON CORP                           302290101        23        300 SH              X   X      3          300

 FANNIE MAE                           313586109     2,504     39,945 SH              X          1       39,040                   905

 FANNIE MAE                           313586109       393      6,265 SH              X   X      1        6,215                    50

 FANNIE MAE                           313586109        62        985 SH              X          2          985

 FANNIE MAE                           313586109       311      4,955 SH              X          3        4,955

 FANNIE MAE                           313586109         4         67 SH              X   X      3           67

 FLEET FINANCIAL GROUP INC            338915101       529     14,438 SH              X          1       13,984                   454

 FORD MOTOR CO                        345370100       116      2,300 SH              X          1        2,200                   100

 FORD MOTOR CO                        345370100       116      2,310 SH              X   X      1        2,310

 FORD MOTOR CO                        345370100        33        666 SH              X          3          666

 FORTUNE BRANDS INC                   349631101       181      5,602 SH              X          1        5,602

 FORTUNE BRANDS INC                   349631101        39      1,196 SH              X   X      1        1,196

 FORTUNE BRANDS INC                   349631101        11        334 SH              X          3          334

                                               ----------
          PAGE TOTAL                               19,563

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE    9
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 GTE CORP                             362320103     4,688     60,983 SH              X          1       59,583                 1,400

 GTE CORP                             362320103     1,190     15,474 SH              X   X      1       15,429                    45

 GTE CORP                             362320103        36        465 SH              X          2          465

 GTE CORP                             362320103        42        540 SH              X   X      2          540

 GTE CORP                             362320103       326      4,241 SH              X          3        4,241

 GTE CORP                             362320103        15        196 SH              X   X      3          196

 GANNETT INC                          364730101     2,872     41,515 SH              X          1        6,015                35,500

 GANNETT INC                          364730101       277      4,000 SH              X   X      1        4,000

 GENERAL ELECTRIC                     369604103    23,864    201,281 SH              X          1      198,786                 2,495

 GENERAL ELECTRIC                     369604103     4,235     35,718 SH              X   X      1       35,378                   340

 GENERAL ELECTRIC                     369604103       277      2,335 SH              X          2        2,335

 GENERAL ELECTRIC                     369604103       341      2,880 SH              X   X      2        2,880

 GENERAL ELECTRIC                     369604103       927      7,818 SH              X          3        7,818

 GENERAL ELECTRIC                     369604103        53        449 SH              X   X      3          449

 GENERAL MILLS INC                    370334104       144      1,780 SH              X          1        1,780

 GENERAL MILLS INC                    370334104       114      1,400 SH              X   X      1        1,400

 GENERAL MOTORS CORP                  370442105       678     10,768 SH              X          1       10,768

 GENERAL MOTORS CORP                  370442105        87      1,386 SH              X   X      1        1,386

 GENERAL MOTORS CORP                  370442105         8        120 SH              X   X      2          120

 GENERAL MOTORS CORP                  370442105         5         72 SH              X          3           72

 GEORGIA-PACIFIC GROUP                373298108       273      6,748 SH              X          1        6,748

 GEORGIA-PACIFIC GROUP                373298108        19        472 SH              X   X      1          472

 GILLETTE CO                          375766102       472     13,902 SH              X          1        9,502                 4,400

 GILLETTE CO                          375766102       287      8,444 SH              X   X      1        8,444

 GILLETTE CO                          375766102        23        684 SH              X          3          684

                                               ----------
          PAGE TOTAL                               41,253

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   10
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 HALLIBURTON CO                       406216101     1,498     36,525 SH              X          1       35,205                 1,320

 HALLIBURTON CO                       406216101       278      6,770 SH              X   X      1        6,730                    40

 HALLIBURTON CO                       406216101        33        795 SH              X          2          795

 HALLIBURTON CO                       406216101       221      5,394 SH              X          3        5,394

 HALLIBURTON CO                       406216101         3         73 SH              X   X      3           73

 HARLEY-DAVIDSON INC                  412822108     1,749     34,932 SH              X          1       34,302                   630

 HARLEY-DAVIDSON INC                  412822108       407      8,130 SH              X   X      1        8,130

 HARLEY-DAVIDSON INC                  412822108        32        640 SH              X          2          640

 HARLEY-DAVIDSON INC                  412822108       173      3,460 SH              X          3        3,460

 HARLEY-DAVIDSON INC                  412822108         8        158 SH              X   X      3          158

 HEALTH MGMT ASSOC INC NEW CL A       421933102       775    100,025 SH              X          1       97,870                 2,155

 HEALTH MGMT ASSOC INC NEW CL A       421933102        97     12,503 SH              X   X      1       12,503

 HEALTH MGMT ASSOC INC NEW CL A       421933102        14      1,801 SH              X          2        1,801

 HEALTH MGMT ASSOC INC NEW CL A       421933102       157     20,238 SH              X          3       20,238

 HEALTH MGMT ASSOC INC NEW CL A       421933102         2        218 SH              X   X      3          218

 HEINZ H.J. CO                        423074103       358      8,327 SH              X          1        8,327

 HEINZ H.J. CO                        423074103        56      1,300 SH              X   X      1        1,300

 HERSHEY FOODS CORP                   427866108       292      6,000 SH              X          1        6,000

 HERSHEY FOODS CORP                   427866108       487     10,000 SH              X   X      1        2,800      7,200

 HERSHEY FOODS CORP                   427866108        58      1,200 SH              X          3        1,200

 HEWLETT PACKARD CO                   428236103     3,294     36,301 SH              X          1       35,061                 1,240

 HEWLETT PACKARD CO                   428236103       963     10,617 SH              X   X      1       10,587                    30

 HEWLETT PACKARD CO                   428236103        46        503 SH              X          2          503

 HEWLETT PACKARD CO                   428236103       397      4,375 SH              X          3        4,375

 HEWLETT PACKARD CO                   428236103        13        138 SH              X   X      3          138

                                               ----------
          PAGE TOTAL                               11,411

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   11
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 HOME DEPOT INC                       437076102     3,027     44,108 SH              X          1       41,939                 2,169

 HOME DEPOT INC                       437076102       580      8,456 SH              X   X      1        8,376                    80

 HOME DEPOT INC                       437076102        76      1,105 SH              X          2        1,105

 HOME DEPOT INC                       437076102       609      8,874 SH              X          3        8,874

 HOME DEPOT INC                       437076102        49        719 SH              X   X      3          719

 ILLINOIS TOOL WORKS                  452308109       222      2,984 SH              X          1        2,584                   400

 ILLINOIS TOOL WORKS                  452308109        67        900 SH              X   X      1          900

 INTEL CORP                           458140100     6,729     90,548 SH              X          1       86,073                 4,475

 INTEL CORP                           458140100     1,556     20,940 SH              X   X      1       20,090                   850

 INTEL CORP                           458140100        88      1,190 SH              X          2        1,190

 INTEL CORP                           458140100       732      9,853 SH              X          3        9,853

 INTEL CORP                           458140100         7         89 SH              X   X      3           89

 INTERNATIONAL BUSINESS MACHINES      459200101     7,260     60,001 SH              X          1       59,601                   400

 INTERNATIONAL BUSINESS MACHINES      459200101     2,247     18,572 SH              X   X      1       11,172      7,400

 INTERNATIONAL BUSINESS MACHINES      459200101        56        465 SH              X          3          465

 JOHNSON & JOHNSON INC                478160104     7,937     86,388 SH              X          1       85,703                   685

 JOHNSON & JOHNSON INC                478160104     2,881     31,356 SH              X   X      1       17,687     13,629         40

 JOHNSON & JOHNSON INC                478160104       220      2,395 SH              X          2        2,395

 JOHNSON & JOHNSON INC                478160104       474      5,155 SH              X          3        5,155

 JOHNSON & JOHNSON INC                478160104        20        215 SH              X   X      3          215

 KIMBERLY CLARK CORP                  494368103       148      2,810 SH              X          1        2,640                   170

 KIMBERLY CLARK CORP                  494368103        53      1,000 SH              X   X      1        1,000

 KIMBERLY CLARK CORP                  494368103        35        654 SH              X   X      2          654

                                               ----------
          PAGE TOTAL                               35,073

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   12
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 KNIGHT RIDDER INC                    499040103       215      3,900 SH              X          1        3,900

 LILLY ELI & CO                       532457108     1,080     16,823 SH              X          1       16,418                   405

 LILLY ELI & CO                       532457108       142      2,220 SH              X   X      1        2,220

 LILLY ELI & CO                       532457108        22        340 SH              X          2          340

 LILLY ELI & CO                       532457108       198      3,091 SH              X          3        3,091

 LILLY ELI & CO                       532457108         3         42 SH              X   X      3           42

 LOVEJOY TOOL CO INC                  547167106       310      3,097 SH              X   X      1        3,097

 LUCENT TECHNOLOGIES INC              549463107     5,174     79,746 SH              X          1       74,614                 5,132

 LUCENT TECHNOLOGIES INC              549463107       942     14,522 SH              X   X      1       14,462                    60

 LUCENT TECHNOLOGIES INC              549463107       246      3,799 SH              X          2        3,799

 LUCENT TECHNOLOGIES INC              549463107        32        488 SH              X   X      2          488

 LUCENT TECHNOLOGIES INC              549463107       531      8,181 SH              X          3        8,181

 LUCENT TECHNOLOGIES INC              549463107        45        688 SH              X   X      3          688

 MBIA INC                             55262C100     1,698     36,416 SH              X          1       35,156                 1,260

 MBIA INC                             55262C100       429      9,200 SH              X   X      1        9,200

 MBIA INC                             55262C100        30        635 SH              X          2          635

 MBIA INC                             55262C100       151      3,240 SH              X          3        3,240

 MBIA INC                             55262C100         3         58 SH              X   X      3           58

 MCI WORLDCOM INC                     55268B106     3,292     45,805 SH              X          1       44,665                 1,140

 MCI WORLDCOM INC                     55268B106       812     11,298 SH              X   X      1       11,248                    50

 MCI WORLDCOM INC                     55268B106        57        790 SH              X          2          790

 MCI WORLDCOM INC                     55268B106       527      7,334 SH              X          3        7,334

 MCI WORLDCOM INC                     55268B106         5         65 SH              X   X      3           65

 MARRIOTT INTERNATIONAL CL A          571903202       242      7,410 SH              X          1        7,410

 MARRIOTT INTERNATIONAL CL A          571903202        10        300 SH              X   X      1          300

                                               ----------
          PAGE TOTAL                               16,196

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   13
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 MATTEL INC                           577081102       740     38,955 SH              X          1       38,375                   580

 MATTEL INC                           577081102        69      3,640 SH              X   X      1        3,640

 MATTEL INC                           577081102        24      1,267 SH              X          2        1,267

 MATTEL INC                           577081102       112      5,899 SH              X          3        5,899

 MATTEL INC                           577081102         1         60 SH              X   X      3           60

 MCDONALDS CORP                       580135101       893     20,650 SH              X          1       20,650

 MCDONALDS CORP                       580135101        17        400 SH              X          2          400

 MCDONALDS CORP                       580135101       104      2,400 SH              X          3        2,400

 MEDIAONE GROUP INC                   58440J104       225      3,291 SH              X          1        3,291

 MEDIAONE GROUP INC                   58440J104        50        728 SH              X   X      1          728

 MEDTRONIC INC                        585055106     2,486     69,899 SH              X          1       66,344                 3,555

 MEDTRONIC INC                        585055106       519     14,587 SH              X   X      1       14,497                    90

 MEDTRONIC INC                        585055106        52      1,460 SH              X          2        1,460

 MEDTRONIC INC                        585055106       417     11,715 SH              X          3       11,715

 MEDTRONIC INC                        585055106        12        340 SH              X   X      3          340

 MERCHANTS BANCSHARES INC             588448100       173      7,246 SH              X          1        7,246

 MERCHANTS BANCSHARES INC             588448100       366     15,310 SH              X   X      1       15,310

 MERCK & CO INC                       589331107     2,965     45,742 SH              X          1       41,942                 3,800

 MERCK & CO INC                       589331107     1,741     26,867 SH              X   X      1       11,206     14,261      1,400

 MERCK & CO INC                       589331107        31        480 SH              X          2          480

 MERCK & CO INC                       589331107        40        616 SH              X          3          616

 MERCK & CO INC                       589331107        32        500 SH              X   X      3          500

 MERRILL LYNCH & CO., INC.            590188108     1,789     26,554 SH              X          1       25,999                   555

 MERRILL LYNCH & CO., INC.            590188108       234      3,480 SH              X   X      1        3,440                    40

 MERRILL LYNCH & CO., INC.            590188108        53        780 SH              X          2          780

                                               ----------
          PAGE TOTAL                               13,145

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   14
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 MERRILL LYNCH & CO., INC.            590188108       266      3,941 SH              X          3        3,941

 MERRILL LYNCH & CO., INC.            590188108         4         56 SH              X   X      3           56

 MICROSOFT CORP                       594918104     6,310     69,679 SH              X          1       64,184                 5,495

 MICROSOFT CORP                       594918104     1,594     17,603 SH              X   X      1       16,753                   850

 MICROSOFT CORP                       594918104        75        830 SH              X          2          830

 MICROSOFT CORP                       594918104     1,052     11,612 SH              X          3       11,612

 MICROSOFT CORP                       594918104        25        272 SH              X   X      3          272

 MINNESOTA MINING & MFG CO            604059105       784      8,161 SH              X          1        8,161

 MINNESOTA MINING & MFG CO            604059105       393      4,090 SH              X   X      1          890      3,200

 MOBIL CORP                           607059102     3,494     34,684 SH              X          1       34,299                   385

 MOBIL CORP                           607059102       554      5,502 SH              X   X      1        5,482                    20

 MOBIL CORP                           607059102        51        505 SH              X          2          505

 MOBIL CORP                           607059102       295      2,924 SH              X          3        2,924

 MOBIL CORP                           607059102         8         84 SH              X   X      3           84

 MORGAN, J P & CO                     616880100       391      3,421 SH              X          1        3,421

 MORGAN, J P & CO                     616880100       503      4,404 SH              X   X      1          904      3,500

 MORGAN, J P & CO                     616880100        46        400 SH              X          3          400

 NEW ENGLAND ELECTRIC SYSTEMS         644001109       377      7,268 SH              X          1        7,268

 NEW ENGLAND ELECTRIC SYSTEMS         644001109        21        400 SH              X   X      2          400

 NEW ENGLAND ELECTRIC SYSTEMS         644001109       104      2,005 SH              X          3        2,005

 NEWELL RUBBERMAID INC                651229106     2,041     71,443 SH              X          1       70,213                 1,230
 COM
 NEWELL RUBBERMAID INC                651229106       348     12,180 SH              X   X      1       12,090                    90
 COM
 NEWELL RUBBERMAID INC                651229106        46      1,615 SH              X          2        1,615
 COM
 NEWELL RUBBERMAID INC                651229106       236      8,275 SH              X          3        8,275
 COM
 NEWELL RUBBERMAID INC                651229106         3        122 SH              X   X      3          122
 COM
                                               ----------
          PAGE TOTAL                               19,021

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   15
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 NOKIA CORP SPONSORED ADR             654902204        65        720 SH              X          1          720

 NOKIA CORP SPONSORED ADR             654902204       180      2,000 SH              X          2        2,000

 NORFOLK SOUTHERN CORP                655844108       381     15,537 SH              X          1       11,673                 3,864

 NORFOLK SOUTHERN CORP                655844108       136      5,539 SH              X   X      1        5,539

 ORACLE CORPORATION                   68389X105     2,179     47,888 SH              X          1       46,248                 1,640

 ORACLE CORPORATION                   68389X105       569     12,504 SH              X   X      1       12,504

 ORACLE CORPORATION                   68389X105        39        867 SH              X          2          867

 ORACLE CORPORATION                   68389X105       371      8,144 SH              X          3        8,144

 ORACLE CORPORATION                   68389X105        12        258 SH              X   X      3          258

 PNC BANK CORP                        693475105       280      5,314 SH              X          1        5,314

 PNC BANK CORP                        693475105        11        200 SH              X          3          200

 PEPSICO INC                          713448108     3,892    127,619 SH              X          1      124,874                 2,745

 PEPSICO INC                          713448108     1,433     46,997 SH              X   X      1       44,847                 2,150

 PEPSICO INC                          713448108        69      2,250 SH              X          2        2,250

 PEPSICO INC                          713448108       317     10,405 SH              X          3       10,405

 PEPSICO INC                          713448108        14        447 SH              X   X      3          447

 PFIZER INC                           717081103     3,831    106,781 SH              X          1      104,456                 2,325

 PFIZER INC                           717081103     1,804     50,287 SH              X   X      1       50,172                   115

 PFIZER INC                           717081103        90      2,515 SH              X          2        2,515

 PFIZER INC                           717081103       542     15,115 SH              X          3       15,115

 PFIZER INC                           717081103         4        114 SH              X   X      3          114

 PHILIP MORRIS COMPANIES INC          718154107       661     19,342 SH              X          1       19,242                   100

 PHILIP MORRIS COMPANIES INC          718154107       321      9,388 SH              X   X      1        9,388

 PHILIP MORRIS COMPANIES INC          718154107       318      9,300 SH              X          3        9,300

 PRAXAIR INC                          74005P104     1,792     38,960 SH              X          1       38,080                   880

                                               ----------
          PAGE TOTAL                               19,311

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   16
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 PRAXAIR INC                          74005P104       351      7,635 SH              X   X      1        7,585                    50

 PRAXAIR INC                          74005P104        45        985 SH              X          2          985

 PRAXAIR INC                          74005P104       222      4,836 SH              X          3        4,836

 PRAXAIR INC                          74005P104         7        143 SH              X   X      3          143

 PROCTOR & GAMBLE CO                  742718109     4,482     47,810 SH              X          1       46,715                 1,095

 PROCTOR & GAMBLE CO                  742718109       876      9,347 SH              X   X      1        9,302                    45

 PROCTOR & GAMBLE CO                  742718109       105      1,116 SH              X          2        1,116

 PROCTOR & GAMBLE CO                  742718109       388      4,142 SH              X          3        4,142

 PROCTOR & GAMBLE CO                  742718109        49        519 SH              X   X      3          519

 ROYAL DUTCH PETROLEUM NY REG SH      780257804       426      7,212 SH              X          1        7,212
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804       100      1,689 SH              X   X      1        1,689
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804        30        500 SH              X          2          500
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804        71      1,200 SH              X          3        1,200
 PAR N GLDR 1.25
 SBC COMMUNICATIONS INC               78387G103     1,373     26,880 SH              X          1       25,280                 1,600

 SBC COMMUNICATIONS INC               78387G103       544     10,662 SH              X   X      1       10,662

 SBC COMMUNICATIONS INC               78387G103        19        372 SH              X          2          372

 SBC COMMUNICATIONS INC               78387G103        46        900 SH              X          3          900

 SARA LEE CORP                        803111103       115      4,920 SH              X          1        4,920

 SARA LEE CORP                        803111103        51      2,200 SH              X   X      1        2,200

 SARA LEE CORP                        803111103        46      1,974 SH              X          3        1,974

 SCHERING-PLOUGH CORP                 806605101     3,129     71,724 SH              X          1       70,834                   890

 SCHERING-PLOUGH CORP                 806605101       553     12,680 SH              X   X      1       12,620                    60

 SCHERING-PLOUGH CORP                 806605101        33        755 SH              X          2          755

 SCHERING-PLOUGH CORP                 806605101       271      6,217 SH              X          3        6,217

 SCHERING-PLOUGH CORP                 806605101         4         82 SH              X   X      3           82

                                               ----------
          PAGE TOTAL                               13,336

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   17
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 SCHLUMBERGER LTD                     806857108     1,788     28,686 SH              X          1       28,156                   530

 SCHLUMBERGER LTD                     806857108       346      5,550 SH              X   X      1        5,520                    30

 SCHLUMBERGER LTD                     806857108        33        535 SH              X          2          535

 SCHLUMBERGER LTD                     806857108       312      5,003 SH              X          3        5,003

 SCHLUMBERGER LTD                     806857108        24        385 SH              X   X      3          385

 SMITHKLINE BEECHAM P.L.C. ADR        832378301       461      8,000 SH              X          1        8,000
 REPSTG ORD A
 SMITHKLINE BEECHAM P.L.C. ADR        832378301       150      2,600 SH              X   X      1        2,600
 REPSTG ORD A
 SOLECTRON CORP                       834182107     3,298     45,924 SH              X          1       42,829                 3,095

 SOLECTRON CORP                       834182107       843     11,745 SH              X   X      1       11,745

 SOLECTRON CORP                       834182107        45        630 SH              X          2          630

 SOLECTRON CORP                       834182107       320      4,450 SH              X          3        4,450

 SOLECTRON CORP                       834182107         4         59 SH              X   X      3           59

 SPRINT CORP                          852061100        55      1,010 SH              X          1        1,010

 SPRINT CORP                          852061100       211      3,892 SH              X   X      1        3,892

 SPRINT CORP                          852061100        49        900 SH              X          2          900

 STAPLES INC                          855030102     1,556     71,341 SH              X          1       70,003                 1,338

 STAPLES INC                          855030102       223     10,225 SH              X   X      1       10,225

 STAPLES INC                          855030102        40      1,850 SH              X          2        1,850

 STAPLES INC                          855030102       215      9,854 SH              X          3        9,854

 STAPLES INC                          855030102         4        178 SH              X   X      3          178

 STATE STREET CORP                    857477103     2,874     44,477 SH              X          1       43,487                   990

 STATE STREET CORP                    857477103       508      7,853 SH              X   X      1        7,195                   658

 STATE STREET CORP                    857477103        66      1,025 SH              X          2        1,025

 STATE STREET CORP                    857477103       309      4,781 SH              X          3        4,781

 STATE STREET CORP                    857477103         4         55 SH              X   X      3           55

                                               ----------
          PAGE TOTAL                               13,738

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   18
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 SUN MICROSYSTEMS INC                 866810104     1,630     17,531 SH              X          1       17,051                   480

 SUN MICROSYSTEMS INC                 866810104       187      2,015 SH              X   X      1        2,015

 SUN MICROSYSTEMS INC                 866810104        71        760 SH              X          2          760

 SUN MICROSYSTEMS INC                 866810104       282      3,030 SH              X          3        3,030

 SUN MICROSYSTEMS INC                 866810104         4         45 SH              X   X      3           45

 SYSCO CORP                           871829107     3,284     93,646 SH              X          1       91,746                 1,900

 SYSCO CORP                           871829107       502     14,305 SH              X   X      1       14,305

 SYSCO CORP                           871829107        43      1,215 SH              X          2        1,215

 SYSCO CORP                           871829107       255      7,270 SH              X          3        7,270

 SYSCO CORP                           871829107         4        101 SH              X   X      3          101

 TEXACO INC                           881694103       241      3,812 SH              X          1        3,712                   100

 TEXACO INC                           881694103        70      1,104 SH              X   X      1        1,104

 TEXACO INC                           881694103         1         19 SH              X   X      2           19

 TEXACO INC                           881694103        13        200 SH              X          3          200

 TEXTRON INC                          883203101       183      2,368 SH              X          1        2,368

 TEXTRON INC                          883203101        58        746 SH              X          3          746

 TIME WARNER INC                      887315109       759     12,500 SH              X          1       12,500

 TIME WARNER INC                      887315109        61      1,000 SH              X   X      1        1,000

 TYCO INTERNATIONAL LTD NEW           902124106     2,755     26,680 SH              X          1       25,925                   755

 TYCO INTERNATIONAL LTD NEW           902124106       531      5,145 SH              X   X      1        5,120                    25

 TYCO INTERNATIONAL LTD NEW           902124106        72        695 SH              X          2          695

 TYCO INTERNATIONAL LTD NEW           902124106       265      2,564 SH              X          3        2,564

 TYCO INTERNATIONAL LTD NEW           902124106         4         36 SH              X   X      3           36

 UNION BANKSHARES INC                 905400107       301     14,700 SH              X          1       14,700

 UNION CARBIDE CORP                   905581104       274      4,825 SH              X          1        4,825

                                               ----------
          PAGE TOTAL                               11,850

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   19
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 UNION CARBIDE CORP                   905581104        48        850 SH              X   X      1          850

 UNION PACIFIC CORP                   907818108       253      5,266 SH              X          1        5,266

 UNION PACIFIC CORP                   907818108       246      5,121 SH              X   X      1        1,921        800      2,400

 US WEST INC NEW                      91273H101       284      4,982 SH              X          1        4,982

 US WEST INC NEW                      91273H101       165      2,883 SH              X   X      1        2,883

 UNITED TECHNOLOGIES CORP             913017109     2,301     38,799 SH              X          1       38,279                   520

 UNITED TECHNOLOGIES CORP             913017109       524      8,830 SH              X   X      1        8,785                    45

 UNITED TECHNOLOGIES CORP             913017109        62      1,050 SH              X          2        1,050

 UNITED TECHNOLOGIES CORP             913017109       283      4,769 SH              X          3        4,769

 UNITED TECHNOLOGIES CORP             913017109         4         63 SH              X   X      3           63


                                               ----------
          PAGE TOTAL                                4,170

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   20
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 VODAFONE AIRTOUCH PLC                92857T107       505      2,123 SH              X          1        1,923                   200
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107       170        716 SH              X   X      1          716
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107        16         67 SH              X          2           67
 ADR SPONSORED
 WAL-MART STORES                      931142103       190      4,002 SH              X          1        4,002

 WAL-MART STORES                      931142103       135      2,838 SH              X   X      1        2,838

 WAL-MART STORES                      931142103       124      2,600 SH              X          3        2,600

 WARNER LAMBERT CO                    934488107       425      6,401 SH              X          1        6,401

 WARNER LAMBERT CO                    934488107       833     12,549 SH              X   X      1       10,821                 1,728

 WARNER LAMBERT CO                    934488107        20        300 SH              X          3          300

 WELLS FARGO & CO NEW                 949746101     1,291     32,570 SH              X          1       30,895                 1,675

 WELLS FARGO & CO NEW                 949746101       330      8,335 SH              X   X      1        8,260                    75

 WELLS FARGO & CO NEW                 949746101        30        760 SH              X          2          760

 WELLS FARGO & CO NEW                 949746101       427     10,768 SH              X          3       10,768

 WELLS FARGO & CO NEW                 949746101         3         74 SH              X   X      3           74

 WILLIAMS CO INC                      969457100       260      6,900 SH              X          1        6,900

 WILLIAMS CO INC                      969457100       151      4,000 SH              X   X      1                              4,000

 WILLIAMS CO INC                      969457100        30        800 SH              X          3          800

 XEROX CORP                           984121103     1,081     25,765 SH              X          1       25,385                   380

 XEROX CORP                           984121103       316      7,525 SH              X   X      1        7,485                    40

                                               ----------
          PAGE TOTAL                                6,337

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        10/05/99           PAGE   21
                                                                    AS OF 09/30/99
 - - - 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)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 XEROX CORP                           984121103        27        635 SH              X          2          635

 XEROX CORP                           984121103       159      3,784 SH              X          3        3,784

 XEROX CORP                           984121103         2         59 SH              X   X      3           59

                                               ----------
          PAGE TOTAL                                  188
         FINAL TOTALS                             330,967
 </TABLE>


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