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>