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 06/30/99
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 PAGE 1
ASSETS AS OF 06/30/99
- - - - 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 1,352 25,941 SH X 1 24,666 1,275
A T & T CORP 001957109 289 5,540 SH X X 1 5,540
A T & T CORP 001957109 97 1,856 SH X 2 1,856
A T & T CORP 001957109 114 2,178 SH X 3 2,178
ABBOTT LABS 002824100 695 16,175 SH X 1 16,175
ABBOTT LABS 002824100 288 6,714 SH X X 1 6,714
ABBOTT LABS 002824100 107 2,500 SH X 2 2,500
ABBOTT LABS 002824100 163 3,800 SH X 3 3,800
AIR PRODUCTS & CHEMICALS INC 009158106 203 6,056 SH X 1 1,800 4,256
AIR PRODUCTS & CHEMICALS INC 009158106 10 300 SH X X 1 300
ALLIED-SIGNAL INC 019512102 273 4,226 SH X 1 4,226
ALLIED-SIGNAL INC 019512102 296 4,576 SH X X 1 4,576
AMERICA ONLINE 02364J104 1,086 11,185 SH X 1 11,020 165
AMERICA ONLINE 02364J104 131 1,345 SH X X 1 1,305 40
AMERICA ONLINE 02364J104 41 419 SH X 2 419
AMERICA ONLINE 02364J104 167 1,720 SH X 3 1,720
AMERICA ONLINE 02364J104 3 30 SH X X 3 30
AMERICAN ELECTRIC POWER INC 025537101 153 4,336 SH X 1 4,336
AMERICAN ELECTRIC POWER INC 025537101 48 1,365 SH X X 1 1,365
AMERICAN EXPRESS CO 025816109 1,067 8,100 SH X 1 8,100
AMERICAN EXPRESS CO 025816109 20 150 SH X X 1 150
AMERICAN EXPRESS CO 025816109 40 300 SH X X 3 300
AMERICAN HOME PRODUCTS CORP 026609107 3,133 61,428 SH X 1 57,428 4,000
AMERICAN HOME PRODUCTS CORP 026609107 1,187 23,268 SH X X 1 23,268
AMERICAN HOME PRODUCTS CORP 026609107 80 1,570 SH X 2 1,570
----------
PAGE TOTAL 11,043
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 2
AS OF 06/30/99
- - - - - 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>
AMERICAN HOME PRODUCTS CORP 026609107 10 200 SH X 3 200
AMERICAN HOME PRODUCTS CORP 026609107 5 100 SH X X 3 100
AMERN INTL GROUP INC 026874107 8,276 71,269 SH X 1 69,565 1,704
AMERN INTL GROUP INC 026874107 1,581 13,611 SH X X 1 13,526 85
AMERN INTL GROUP INC 026874107 98 848 SH X 2 848
AMERN INTL GROUP INC 026874107 689 5,931 SH X 3 5,931
AMERN INTL GROUP INC 026874107 5 45 SH X X 3 45
AMERITECH CORP 030954101 1,921 26,499 SH X 1 25,271 1,228
AMERITECH CORP 030954101 569 7,855 SH X X 1 7,855
AMERITECH CORP 030954101 13 176 SH X 2 176
AMGEN INC 031162100 972 12,650 SH X 1 12,650
AMGEN INC 031162100 231 3,000 SH X X 1 3,000
AMSOUTH BANCORPORATION 032165102 206 9,000 SH X 2 9,000
ANALOG DEVICES INC 032654105 414 9,604 SH X X 1 9,604
ARCHER DANIELS MIDLAND CO 039483102 191 13,668 SH X 1 13,668
ARCHER DANIELS MIDLAND CO 039483102 86 6,181 SH X X 1 6,181
ASSOCIATES FIRST CAPITAL CORP 046008108 1,623 42,363 SH X 1 41,808 555
ASSOCIATES FIRST CAPITAL CORP 046008108 301 7,865 SH X X 1 7,745 120
ASSOCIATES FIRST CAPITAL CORP 046008108 54 1,398 SH X 2 1,398
ASSOCIATES FIRST CAPITAL CORP 046008108 225 5,862 SH X 3 5,862
ASSOCIATES FIRST CAPITAL CORP 046008108 3 90 SH X X 3 90
ATLANTIC RICHFIELD CO 048825103 750 8,329 SH X 1 7,029 1,300
ATLANTIC RICHFIELD CO 048825103 268 2,981 SH X X 1 2,981
ATLANTIC RICHFIELD CO 048825103 45 500 SH X 3 500
AUTOMATIC DATA PROCESSING 053015103 2,291 57,193 SH X 1 56,498 695
----------
PAGE TOTAL 20,827
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 3
AS OF 06/30/99
- - - - - 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 597 14,910 SH X X 1 14,395 515
AUTOMATIC DATA PROCESSING 053015103 101 2,529 SH X 2 2,529
AUTOMATIC DATA PROCESSING 053015103 305 7,601 SH X 3 7,601
AUTOMATIC DATA PROCESSING 053015103 11 264 SH X X 3 264
BP AMOCO PLC SPONSORED ADR 055622104 1,772 15,295 SH X 1 14,965 330
BP AMOCO PLC SPONSORED ADR 055622104 417 3,599 SH X X 1 3,599
BANK AMER CORP 060505104 184 2,775 SH X 1 2,775
COM
BANK AMER CORP 060505104 20 300 SH X X 1 300
COM
BANK ONE CORP 06423A103 2,038 37,344 SH X 1 36,826 518
BANK ONE CORP 06423A103 282 5,171 SH X X 1 4,934 237
BANK ONE CORP 06423A103 50 911 SH X 2 911
BANK ONE CORP 06423A103 239 4,372 SH X 3 4,372
BANK ONE CORP 06423A103 3 62 SH X X 3 62
BANKBOSTON CORP 06605R106 434 9,251 SH X 1 9,251
BANKBOSTON CORP 06605R106 47 1,000 SH X X 1 1,000
BANKBOSTON CORP 06605R106 14 300 SH X 3 300
BANKNORTH GROUP INC 06646L100 318 9,825 SH X 1 9,247 578
BANKNORTH GROUP INC 06646L100 86 2,654 SH X X 1 2,654
BELL ATLANTIC CORP 077853109 1,995 31,177 SH X 1 28,815 2,362
BELL ATLANTIC CORP 077853109 437 6,832 SH X X 1 6,832
BELL ATLANTIC CORP 077853109 46 712 SH X 2 712
BELL ATLANTIC CORP 077853109 32 502 SH X 3 502
BELLSOUTH CORP 079860102 3,978 82,759 SH X 1 78,259 4,500
BELLSOUTH CORP 079860102 871 18,124 SH X X 1 18,124
BELLSOUTH CORP 079860102 80 1,668 SH X 2 1,668
----------
PAGE TOTAL 14,357
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 4
AS OF 06/30/99
- - - - - 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>
BELLSOUTH CORP 079860102 87 1,800 SH X 3 1,800
BERKSHIRE HATHAWAY 084670108 271 4 SH X 1 4
BERKSHIRE HATHAWAY CLASS B 084670207 247 116 SH X 1 116
BERKSHIRE HATHAWAY CLASS B 084670207 96 45 SH X X 1 45
BERKSHIRE HATHAWAY CLASS B 084670207 21 10 SH X 3 10
BESTFOODS 08658U101 1,744 35,767 SH X 1 34,142 1,625
BESTFOODS 08658U101 480 9,840 SH X X 1 9,740 100
BESTFOODS 08658U101 64 1,317 SH X 2 1,317
BESTFOODS 08658U101 214 4,387 SH X 3 4,387
BESTFOODS 08658U101 3 53 SH X X 3 53
BOEING CO 097023105 18 400 SH X 1 200 200
BOEING CO 097023105 935 20,596 SH X X 1 5,468 15,128
BOEING CO 097023105 4 90 SH X 3 90
BOWNE & CO, INC 103043105 141 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 5,390 81,048 SH X 1 79,618 1,430
BRISTOL MYERS SQUIBB CO 110122108 2,052 30,859 SH X X 1 28,784 2,075
BRISTOL MYERS SQUIBB CO 110122108 51 764 SH X 2 764
BRISTOL MYERS SQUIBB CO 110122108 291 4,373 SH X 3 4,373
BRISTOL MYERS SQUIBB CO 110122108 3 39 SH X X 3 39
BURLINGTON NORTHERN SANTA FE 12189T104 275 8,585 SH X 1 7,985 600
BURLINGTON NORTHERN SANTA FE 12189T104 373 11,646 SH X X 1 7,146 4,500
CSX CORP 126408103 140 2,880 SH X 1 2,880
CSX CORP 126408103 300 6,200 SH X X 1 1,200 5,000
CAMPBELL SOUP CO 134429109 246 5,600 SH X 1 5,600
----------
PAGE TOTAL 13,666
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 5
AS OF 06/30/99
- - - - - 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 941 13,787 SH X 1 13,682 105
CARDINAL HEALTH INC 14149Y108 95 1,385 SH X X 1 1,315 70
CARDINAL HEALTH INC 14149Y108 25 369 SH X 2 369
CARDINAL HEALTH INC 14149Y108 194 2,841 SH X 3 2,841
CARDINAL HEALTH INC 14149Y108 16 234 SH X X 3 234
CARNIVAL CORP 143658102 1,569 33,793 SH X 1 33,358 435
CARNIVAL CORP 143658102 184 3,955 SH X X 1 3,815 140
CARNIVAL CORP 143658102 53 1,152 SH X 2 1,152
CARNIVAL CORP 143658102 305 6,571 SH X 3 6,571
CARNIVAL CORP 143658102 3 74 SH X X 3 74
CATERPILLAR INC 149123101 344 5,868 SH X 1 5,868
CATERPILLAR INC 149123101 12 200 SH X 3 200
CENTRAL & SOUTH WEST CORP 152357109 140 6,575 SH X 1 6,575
CENTRAL & SOUTH WEST CORP 152357109 108 5,048 SH X X 1 5,048
CHAMPLAIN BANK CORP COM 15871P108 207 690 SH X 1 345 345
CHEMFAB CORP 16361L102 170 10,000 SH X 1 10,000
CHEVRON CORP 166751107 2,736 29,983 SH X 1 29,878 105
CHEVRON CORP 166751107 395 4,324 SH X X 1 4,274 50
CHEVRON CORP 166751107 98 1,073 SH X 2 1,073
CHEVRON CORP 166751107 203 2,228 SH X 3 2,228
CHEVRON CORP 166751107 3 30 SH X X 3 30
CHITTENDEN CORP 170228100 5,439 195,136 SH X 1 126,768 68,368
CHITTENDEN CORP 170228100 1,967 70,573 SH X X 1 64,511 6,062
CHITTENDEN CORP 170228100 74 2,640 SH X 2 2,640
CISCO SYSTEMS INC 17275R102 4,257 68,520 SH X 1 66,738 1,782
----------
PAGE TOTAL 19,538
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 6
AS OF 06/30/99
- - - - - 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 865 13,923 SH X X 1 13,778 145
CISCO SYSTEMS INC 17275R102 221 3,557 SH X 2 3,557
CISCO SYSTEMS INC 17275R102 650 10,456 SH X 3 10,456
CISCO SYSTEMS INC 17275R102 105 1,688 SH X X 3 1,688
CITIGROUP INC 172967101 628 14,099 SH X 1 13,724 375
CITIGROUP INC 172967101 158 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 4,055 66,954 SH X 1 66,629 325
COCA COLA CO 191216100 1,691 27,915 SH X X 1 27,915
COCA COLA CO 191216100 97 1,600 SH X 3 1,600
COLGATE PALMOLIVE CO 194162103 395 7,992 SH X 1 4,154 3,838
COLGATE PALMOLIVE CO 194162103 73 1,480 SH X 3 1,480
CUROCO CORPORATION (SUBCHAPTER 231293101 26 10,000 SH X 1 10,000
S CORPORATION)
DPL INC 233293109 220 11,479 SH X 1 11,479
DPL INC 233293109 23 1,182 SH X X 1 1,182
DANAHER CORP 235851102 1,988 34,846 SH X 1 34,241 605
DANAHER CORP 235851102 555 9,725 SH X X 1 9,640 85
DANAHER CORP 235851102 59 1,040 SH X 2 1,040
DANAHER CORP 235851102 274 4,797 SH X 3 4,797
DANAHER CORP 235851102 3 46 SH X X 3 46
DAYTON HUDSON CORP 239753106 359 5,550 SH X 1 5,550
DAYTON HUDSON CORP 239753106 107 1,650 SH X X 1 1,650
DISNEY, WALT 254687106 2,270 82,346 SH X 1 81,071 1,275
DISNEY, WALT 254687106 473 17,170 SH X X 1 16,690 480
----------
PAGE TOTAL 16,083
<CAPTION>
CHITTENDEN CORPORATON SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 7
AS OF 06/30/99
- - - - - 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 38 1,383 SH X 2 1,383
DISNEY, WALT 254687106 309 11,205 SH X 3 11,205
DISNEY, WALT 254687106 19 690 SH X X 3 690
DOMINION RESOURCES INC, VA 257470104 161 3,657 SH X 1 3,657
DOMINION RESOURCES INC, VA 257470104 65 1,475 SH X X 1 1,475
DOW CHEMICAL CO 260543103 242 1,950 SH X 1 1,950
DOW CHEMICAL CO 260543103 199 1,604 SH X X 1 1,604
DUPONT E I DE NEMOURS & CO 263534109 3,903 54,108 SH X 1 53,543 565
DUPONT E I DE NEMOURS & CO 263534109 1,064 14,750 SH X X 1 14,680 70
DUPONT E I DE NEMOURS & CO 263534109 50 696 SH X 2 696
DUPONT E I DE NEMOURS & CO 263534109 366 5,079 SH X 3 5,079
DUPONT E I DE NEMOURS & CO 263534109 6 89 SH X X 3 89
DUKE ENERGY CORP 264399106 1,154 21,804 SH X 1 21,439 365
DUKE ENERGY CORP 264399106 160 3,022 SH X X 1 2,927 95
DUKE ENERGY CORP 264399106 24 459 SH X 2 459
DUKE ENERGY CORP 264399106 180 3,396 SH X 3 3,396
DUKE ENERGY CORP 264399106 2 46 SH X X 3 46
EMC CORP 268648102 1,498 24,790 SH X 1 22,060 2,730
EMC CORP 268648102 174 2,885 SH X X 1 2,800 85
EMC CORP 268648102 36 599 SH X 2 599
EMC CORP 268648102 332 5,499 SH X 3 5,499
EMC CORP 268648102 3 43 SH X X 3 43
EASTMAN KODAK CO 277461109 408 5,899 SH X 1 5,799 100
EASTMAN KODAK CO 277461109 384 5,560 SH X X 1 5,560
EMERSON ELECTRIC CO 291011104 723 12,115 SH X 1 11,515 600
----------
PAGE TOTAL 11,500
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 8
AS OF 06/30/99
- - - - - 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>
EMERSON ELECTRIC CO 291011104 416 6,968 SH X X 1 6,968
EMERSON ELECTRIC CO 291011104 24 400 SH X 2 400
EMERSON ELECTRIC CO 291011104 17 280 SH X 3 280
ENRON CORP 293561106 3,688 43,298 SH X 1 42,818 480
ENRON CORP 293561106 927 10,880 SH X X 1 10,780 100
ENRON CORP 293561106 56 656 SH X 2 656
ENRON CORP 293561106 487 5,715 SH X 3 5,715
ENRON CORP 293561106 5 55 SH X X 3 55
EXXON CORP 302290101 11,637 146,608 SH X 1 141,335 5,273
EXXON CORP 302290101 2,621 33,021 SH X X 1 33,021
EXXON CORP 302290101 169 2,128 SH X 2 2,128
EXXON CORP 302290101 406 5,112 SH X 3 5,112
EXXON CORP 302290101 24 300 SH X X 3 300
FANNIE MAE 313586109 2,640 38,295 SH X 1 37,735 560
FANNIE MAE 313586109 411 5,965 SH X X 1 5,865 100
FANNIE MAE 313586109 68 980 SH X 2 980
FANNIE MAE 313586109 326 4,732 SH X 3 4,732
FANNIE MAE 313586109 4 54 SH X X 3 54
FIRST UNION CORP 337358105 234 5,084 SH X 1 5,084
FLEET FINANCIAL GROUP INC 338915101 584 14,428 SH X 1 13,974 454
FORD MOTOR CO 345370100 112 2,300 SH X 1 2,200 100
----------
PAGE TOTAL 24,856
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 9
AS OF 06/30/99
- - - - - 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>
FORD MOTOR CO 345370100 112 2,310 SH X X 1 2,310
FORTUNE BRANDS INC 349631101 221 5,602 SH X 1 5,602
FORTUNE BRANDS INC 349631101 47 1,196 SH X X 1 1,196
GTE CORP 362320103 4,551 61,708 SH X 1 60,368 1,340
GTE CORP 362320103 1,134 15,374 SH X X 1 15,304 70
GTE CORP 362320103 33 448 SH X 2 448
GTE CORP 362320103 302 4,091 SH X 3 4,091
GTE CORP 362320103 14 187 SH X X 3 187
GANNETT INC 364730101 2,999 41,515 SH X 1 6,015 35,500
GANNETT INC 364730101 289 4,000 SH X X 1 4,000
GENERAL ELECTRIC 369604103 21,967 201,534 SH X 1 199,129 2,405
GENERAL ELECTRIC 369604103 3,925 36,013 SH X X 1 35,238 775
GENERAL ELECTRIC 369604103 268 2,457 SH X 2 2,457
GENERAL ELECTRIC 369604103 778 7,141 SH X 3 7,141
GENERAL ELECTRIC 369604103 48 442 SH X X 3 442
GENERAL MILLS INC 370334104 147 1,780 SH X 1 1,780
GENERAL MILLS INC 370334104 116 1,400 SH X X 1 1,400
GENERAL MOTORS CORP 370442105 670 10,968 SH X 1 10,968
GENERAL MOTORS CORP 370442105 85 1,386 SH X X 1 1,386
GENERAL MOTORS CORP 370442105 4 72 SH X 3 72
GEORGIA-PACIFIC GROUP 373298108 303 6,748 SH X 1 6,748
GEORGIA-PACIFIC GROUP 373298108 21 472 SH X X 1 472
GILLETTE CO 375766102 565 12,942 SH X 1 8,542 4,400
GILLETTE CO 375766102 381 8,744 SH X X 1 8,744
GILLETTE CO 375766102 25 570 SH X 3 570
----------
PAGE TOTAL 39,005
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 10
AS OF 06/30/99
- - - - - 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 1,669 36,180 SH X 1 35,100 1,080
HALLIBURTON CO 406216101 306 6,635 SH X X 1 6,525 110
HALLIBURTON CO 406216101 36 784 SH X 2 784
HALLIBURTON CO 406216101 240 5,196 SH X 3 5,196
HALLIBURTON CO 406216101 3 65 SH X X 3 65
HARLEY-DAVIDSON INC 412822108 1,886 34,052 SH X 1 33,662 390
HARLEY-DAVIDSON INC 412822108 439 7,930 SH X X 1 7,845 85
HARLEY-DAVIDSON INC 412822108 34 619 SH X 2 619
HARLEY-DAVIDSON INC 412822108 181 3,270 SH X 3 3,270
HARLEY-DAVIDSON INC 412822108 8 145 SH X X 3 145
HEALTH MGMT ASSOC INC NEW CL A 421933102 814 98,665 SH X 1 97,085 1,580
HEALTH MGMT ASSOC INC NEW CL A 421933102 108 13,088 SH X X 1 12,503 585
HEALTH MGMT ASSOC INC NEW CL A 421933102 15 1,801 SH X 2 1,801
HEALTH MGMT ASSOC INC NEW CL A 421933102 167 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 404 8,582 SH X 1 8,582
HEINZ H.J. CO 423074103 61 1,300 SH X X 1 1,300
HERSHEY FOODS CORP 427866108 348 6,000 SH X 1 6,000
HERSHEY FOODS CORP 427866108 580 10,000 SH X X 1 10,000
HERSHEY FOODS CORP 427866108 70 1,200 SH X 3 1,200
HEWLETT PACKARD CO 428236103 3,820 36,491 SH X 1 35,321 1,170
HEWLETT PACKARD CO 428236103 1,109 10,597 SH X X 1 10,537 60
HEWLETT PACKARD CO 428236103 57 543 SH X 2 543
HEWLETT PACKARD CO 428236103 384 3,670 SH X 3 3,670
HEWLETT PACKARD CO 428236103 14 138 SH X X 3 138
----------
PAGE TOTAL 12,755
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 11
AS OF 06/30/99
- - - - - 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 2,766 43,343 SH X 1 41,609 1,734
HOME DEPOT INC 437076102 519 8,131 SH X X 1 8,026 105
HOME DEPOT INC 437076102 69 1,082 SH X 2 1,082
HOME DEPOT INC 437076102 554 8,676 SH X 3 8,676
HOME DEPOT INC 437076102 45 707 SH X X 3 707
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 6,505 94,278 SH X 1 90,018 4,260
INTEL CORP 458140100 1,454 21,070 SH X X 1 20,115 955
INTEL CORP 458140100 83 1,203 SH X 2 1,203
INTEL CORP 458140100 684 9,913 SH X 3 9,913
INTEL CORP 458140100 6 84 SH X X 3 84
INTERNATIONAL BUSINESS MACHINES 459200101 7,999 63,641 SH X 1 63,241 400
INTERNATIONAL BUSINESS MACHINES 459200101 2,334 18,572 SH X X 1 18,572
INTERNATIONAL BUSINESS MACHINES 459200101 5 40 SH X 3 40
JOHNSON & JOHNSON INC 478160104 7,857 86,278 SH X 1 85,733 545
JOHNSON & JOHNSON INC 478160104 2,883 31,656 SH X X 1 31,386 270
JOHNSON & JOHNSON INC 478160104 219 2,401 SH X 2 2,401
JOHNSON & JOHNSON INC 478160104 457 5,018 SH X 3 5,018
JOHNSON & JOHNSON INC 478160104 19 209 SH X X 3 209
KEYCORP NEW 493267108 186 5,900 SH X 1 5,900
KEYCORP NEW 493267108 57 1,806 SH X 3 1,806
KIMBERLY CLARK CORP 494368103 213 3,492 SH X 1 3,322 170
----------
PAGE TOTAL 35,203
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 12
AS OF 06/30/99
- - - - - 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>
KIMBERLY CLARK CORP 494368103 61 1,000 SH X X 1 1,000
KNIGHT RIDDER INC 499040103 221 4,100 SH X 1 4,100
LILLY ELI & CO 532457108 1,063 16,183 SH X 1 15,928 255
LILLY ELI & CO 532457108 137 2,090 SH X X 1 2,025 65
LILLY ELI & CO 532457108 21 325 SH X 2 325
LILLY ELI & CO 532457108 194 2,951 SH X 3 2,951
LILLY ELI & CO 532457108 2 34 SH X X 3 34
LOVEJOY TOOL CO INC 547167106 310 3,097 SH X X 1 3,097
LUCENT TECHNOLOGIES INC 549463107 4,997 76,075 SH X 1 71,143 4,932
LUCENT TECHNOLOGIES INC 549463107 939 14,297 SH X X 1 14,192 105
LUCENT TECHNOLOGIES INC 549463107 248 3,769 SH X 2 3,769
LUCENT TECHNOLOGIES INC 549463107 520 7,914 SH X 3 7,914
LUCENT TECHNOLOGIES INC 549463107 44 673 SH X X 3 673
MBIA INC 55262C100 1,993 34,731 SH X 1 33,661 1,070
MBIA INC 55262C100 516 8,985 SH X X 1 8,910 75
MBIA INC 55262C100 35 607 SH X 2 607
MBIA INC 55262C100 170 2,964 SH X 3 2,964
MBIA INC 55262C100 3 45 SH X X 3 45
MCI WORLDCOM INC 55268B106 3,499 42,415 SH X 1 41,535 880
MCI WORLDCOM INC 55268B106 905 10,968 SH X X 1 10,873 95
MCI WORLDCOM INC 55268B106 62 754 SH X 2 754
MCI WORLDCOM INC 55268B106 568 6,884 SH X 3 6,884
MCI WORLDCOM INC 55268B106 4 49 SH X X 3 49
MARRIOTT INTERNATIONAL CL A 571903202 260 7,410 SH X 1 7,410
MARRIOTT INTERNATIONAL CL A 571903202 11 300 SH X X 1 300
----------
PAGE TOTAL 16,783
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 13
AS OF 06/30/99
- - - - - 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 931 39,425 SH X 1 38,995 430
MATTEL INC 577081102 90 3,790 SH X X 1 3,640 150
MATTEL INC 577081102 30 1,267 SH X 2 1,267
MATTEL INC 577081102 139 5,899 SH X 3 5,899
MATTEL INC 577081102 1 60 SH X X 3 60
MCDONALDS CORP 580135101 854 20,490 SH X 1 20,490
MCDONALDS CORP 580135101 18 434 SH X 2 434
MCDONALDS CORP 580135101 100 2,400 SH X 3 2,400
MEDIAONE GROUP INC 58440J104 236 3,263 SH X 1 3,263
MEDIAONE GROUP INC 58440J104 53 728 SH X X 1 728
MEDTRONIC INC 585055106 2,467 34,227 SH X 1 32,657 1,570
MEDTRONIC INC 585055106 507 7,036 SH X X 1 6,926 110
MEDTRONIC INC 585055106 52 716 SH X 2 716
MEDTRONIC INC 585055106 406 5,630 SH X 3 5,630
MEDTRONIC INC 585055106 11 159 SH X X 3 159
MERCHANTS BANCSHARES INC 588448100 172 7,246 SH X 1 7,246
MERCHANTS BANCSHARES INC 588448100 364 15,310 SH X X 1 15,310
MERCK & CO INC 589331107 3,176 46,962 SH X 1 42,562 4,400
MERCK & CO INC 589331107 1,817 26,867 SH X X 1 25,467 1,400
MERCK & CO INC 589331107 42 616 SH X 2 616
MERCK & CO INC 589331107 6 82 SH X 3 82
MERCK & CO INC 589331107 34 500 SH X X 3 500
MERRILL LYNCH & CO., INC. 590188108 1,678 24,674 SH X 1 24,324 350
MERRILL LYNCH & CO., INC. 590188108 220 3,235 SH X X 1 3,150 85
MERRILL LYNCH & CO., INC. 590188108 52 763 SH X 2 763
----------
PAGE TOTAL 13,456
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 14
AS OF 06/30/99
- - - - - 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 254 3,739 SH X 3 3,739
MERRILL LYNCH & CO., INC. 590188108 3 47 SH X X 3 47
MICROSOFT CORP 594918104 5,937 69,184 SH X 1 63,799 5,385
MICROSOFT CORP 594918104 1,495 17,418 SH X X 1 16,508 910
MICROSOFT CORP 594918104 70 813 SH X 2 813
MICROSOFT CORP 594918104 988 11,514 SH X 3 11,514
MICROSOFT CORP 594918104 23 263 SH X X 3 263
MINNESOTA MINING & MFG CO 604059105 778 8,846 SH X 1 8,846
MINNESOTA MINING & MFG CO 604059105 360 4,090 SH X X 1 4,090
MINNESOTA MINING & MFG CO 604059105 4 45 SH X 2 45
MOBIL CORP 607059102 3,547 34,689 SH X 1 34,339 350
MOBIL CORP 607059102 554 5,417 SH X X 1 5,367 50
MOBIL CORP 607059102 51 500 SH X 2 500
MOBIL CORP 607059102 289 2,825 SH X 3 2,825
MOBIL CORP 607059102 14 134 SH X X 3 134
MORGAN, J P & CO 616880100 444 3,470 SH X 1 3,470
MORGAN, J P & CO 616880100 563 4,404 SH X X 1 4,404
MORGAN, J P & CO 616880100 5 42 SH X 2 42
MORGAN, J P & CO 616880100 51 400 SH X 3 400
NEW ENGLAND ELECTRIC SYSTEMS 644001109 377 7,268 SH X 1 7,268
NEW ENGLAND ELECTRIC SYSTEMS 644001109 18 338 SH X 3 338
NEWELL RUBBERMAID INC 651229106 2,683 62,034 SH X 1 61,439 595
COM
NEWELL RUBBERMAID INC 651229106 480 11,100 SH X X 1 10,920 180
COM
NEWELL RUBBERMAID INC 651229106 68 1,561 SH X 2 1,561
COM
NEWELL RUBBERMAID INC 651229106 328 7,575 SH X 3 7,575
COM
----------
PAGE TOTAL 19,384
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 15
AS OF 06/30/99
- - - - - 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>
NEWELL RUBBERMAID INC 651229106 4 94 SH X X 3 94
COM
NOKIA CORP SPONSORED ADR 654902204 51 600 SH X 1 600
NOKIA CORP SPONSORED ADR 654902204 170 2,000 SH X 2 2,000
NORFOLK SOUTHERN CORP 655844108 454 15,537 SH X 1 11,673 3,864
NORFOLK SOUTHERN CORP 655844108 162 5,539 SH X X 1 5,539
ORACLE CORPORATION 68389X105 1,875 49,256 SH X 1 47,836 1,420
ORACLE CORPORATION 68389X105 475 12,479 SH X X 1 12,334 145
ORACLE CORPORATION 68389X105 33 857 SH X 2 857
ORACLE CORPORATION 68389X105 308 8,082 SH X 3 8,082
ORACLE CORPORATION 68389X105 9 248 SH X X 3 248
PNC BANK CORP 693475105 282 5,334 SH X 1 5,334
PNC BANK CORP 693475105 11 200 SH X 3 200
PENNEY J C INC 708160106 142 3,252 SH X 1 3,252
PENNEY J C INC 708160106 79 1,800 SH X X 1 1,800
PEPSICO INC 713448108 4,725 121,339 SH X 1 119,089 2,250
PEPSICO INC 713448108 1,834 47,092 SH X X 1 44,717 2,375
PEPSICO INC 713448108 86 2,204 SH X 2 2,204
PEPSICO INC 713448108 377 9,670 SH X 3 9,670
PEPSICO INC 713448108 16 413 SH X X 3 413
PFIZER INC 717081103 3,574 105,517 SH X 1 103,762 1,755
PFIZER INC 717081103 1,687 49,807 SH X X 1 49,637 170
PFIZER INC 717081103 84 2,488 SH X 2 2,488
PFIZER INC 717081103 447 13,206 SH X 3 13,206
PFIZER INC 717081103 3 97 SH X X 3 97
PHILIP MORRIS COMPANIES INC 718154107 720 19,342 SH X 1 19,242 100
----------
PAGE TOTAL 17,608
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 16
AS OF 06/30/99
- - - - - 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>
PHILIP MORRIS COMPANIES INC 718154107 350 9,388 SH X X 1 9,388
PHILIP MORRIS COMPANIES INC 718154107 346 9,300 SH X 3 9,300
PRAXAIR INC 74005P104 1,726 37,430 SH X 1 36,755 675
PRAXAIR INC 74005P104 341 7,400 SH X X 1 7,300 100
PRAXAIR INC 74005P104 45 966 SH X 2 966
PRAXAIR INC 74005P104 211 4,564 SH X 3 4,564
PRAXAIR INC 74005P104 6 130 SH X X 3 130
PROCTOR & GAMBLE CO 742718109 4,680 51,681 SH X 1 50,776 905
PROCTOR & GAMBLE CO 742718109 833 9,197 SH X X 1 9,072 125
PROCTOR & GAMBLE CO 742718109 102 1,123 SH X 2 1,123
PROCTOR & GAMBLE CO 742718109 360 3,975 SH X 3 3,975
PROCTOR & GAMBLE CO 742718109 47 519 SH X X 3 519
QUAKER OATS CO 747402105 204 3,000 SH X 1 3,000
RAYTHEON CO CL B 755111408 126 1,799 SH X 1 1,799
RAYTHEON CO CL B 755111408 53 750 SH X X 1 750
RAYTHEON CO CL B 755111408 70 1,000 SH X 3 1,000
ROYAL DUTCH PETROLEUM NY REG SH 780257804 440 7,212 SH X 1 7,212
PAR N GLDR 1.25
ROYAL DUTCH PETROLEUM NY REG SH 780257804 103 1,689 SH X X 1 1,689
PAR N GLDR 1.25
ROYAL DUTCH PETROLEUM NY REG SH 780257804 31 500 SH X 2 500
PAR N GLDR 1.25
ROYAL DUTCH PETROLEUM NY REG SH 780257804 73 1,200 SH X 3 1,200
PAR N GLDR 1.25
SBC COMMUNICATIONS INC 78387G103 1,533 26,838 SH X 1 25,238 1,600
SBC COMMUNICATIONS INC 78387G103 609 10,662 SH X X 1 10,662
SBC COMMUNICATIONS INC 78387G103 21 372 SH X 2 372
SBC COMMUNICATIONS INC 78387G103 17 300 SH X 3 300
SCHERING-PLOUGH CORP 806605101 3,462 70,663 SH X 1 70,043 620
----------
PAGE TOTAL 15,789
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 17
AS OF 06/30/99
- - - - - 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>
SCHERING-PLOUGH CORP 806605101 608 12,410 SH X X 1 12,285 125
SCHERING-PLOUGH CORP 806605101 36 737 SH X 2 737
SCHERING-PLOUGH CORP 806605101 293 5,985 SH X 3 5,985
SCHERING-PLOUGH CORP 806605101 3 69 SH X X 3 69
SCHLUMBERGER LTD 806857108 1,711 28,251 SH X 1 27,921 330
SCHLUMBERGER LTD 806857108 327 5,400 SH X X 1 5,320 80
SCHLUMBERGER LTD 806857108 32 523 SH X 2 523
SCHLUMBERGER LTD 806857108 274 4,517 SH X 3 4,517
SCHLUMBERGER LTD 806857108 23 379 SH X X 3 379
SEARS ROEBUCK & CO 812387108 217 5,350 SH X 1 5,350
SEARS ROEBUCK & CO 812387108 10 255 SH X X 1 255
SMITHKLINE BEECHAM P.L.C. ADR 832378301 481 8,000 SH X 1 8,000
REPSTG ORD A
SMITHKLINE BEECHAM P.L.C. ADR 832378301 156 2,600 SH X X 1 2,600
REPSTG ORD A
SOLECTRON CORP 834182107 3,058 47,454 SH X 1 44,444 3,010
SOLECTRON CORP 834182107 759 11,785 SH X X 1 11,690 95
SOLECTRON CORP 834182107 41 632 SH X 2 632
SOLECTRON CORP 834182107 285 4,421 SH X 3 4,421
SOLECTRON CORP 834182107 3 53 SH X X 3 53
SPRINT CORP 852061100 52 1,010 SH X 1 1,010
SPRINT CORP 852061100 201 3,892 SH X X 1 3,892
SPRINT CORP 852061100 47 900 SH X 2 900
STAPLES INC 855030102 1,778 61,567 SH X 1 60,924 643
STAPLES INC 855030102 268 9,290 SH X X 1 9,070 220
STAPLES INC 855030102 49 1,709 SH X 2 1,709
STAPLES INC 855030102 239 8,278 SH X 3 8,278
----------
PAGE TOTAL 10,951
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 18
AS OF 06/30/99
- - - - - 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>
STAPLES INC 855030102 3 121 SH X X 3 121
STATE STREET CORP 857477103 2,833 39,977 SH X 1 39,237 740
STATE STREET CORP 857477103 516 7,283 SH X X 1 6,570 713
STATE STREET CORP 857477103 69 978 SH X 2 978
STATE STREET CORP 857477103 309 4,353 SH X 3 4,353
STATE STREET CORP 857477103 4 55 SH X X 3 55
SUN MICROSYSTEMS INC 866810104 1,238 18,241 SH X 1 17,926 315
SUN MICROSYSTEMS INC 866810104 139 2,045 SH X X 1 1,965 80
SUN MICROSYSTEMS INC 866810104 51 755 SH X 2 755
SUN MICROSYSTEMS INC 866810104 203 2,993 SH X 3 2,993
SUN MICROSYSTEMS INC 866810104 3 40 SH X X 3 40
SYSCO CORP 871829107 3,092 94,584 SH X 1 92,989 1,595
SYSCO CORP 871829107 554 16,940 SH X X 1 16,375 565
SYSCO CORP 871829107 39 1,202 SH X 2 1,202
SYSCO CORP 871829107 229 7,012 SH X 3 7,012
SYSCO CORP 871829107 3 87 SH X X 3 87
TEXACO INC 881694103 205 3,282 SH X 1 3,182 100
TEXACO INC 881694103 75 1,204 SH X X 1 1,104 100
TEXACO INC 881694103 12 200 SH X 3 200
TEXACO INC 881694103 7 120 SH X X 3 120
TEXTRON INC 883203101 195 2,368 SH X 1 2,368
TEXTRON INC 883203101 61 746 SH X 3 746
TIME WARNER INC 887315109 940 13,050 SH X 1 13,050
TIME WARNER INC 887315109 72 1,000 SH X X 1 1,000
TYCO INTERNATIONAL LTD NEW 902124106 2,645 27,075 SH X 1 26,420 655
----------
PAGE TOTAL 13,497
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 19
AS OF 06/30/99
- - - - - 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>
TYCO INTERNATIONAL LTD NEW 902124106 496 5,080 SH X X 1 5,030 50
TYCO INTERNATIONAL LTD NEW 902124106 71 731 SH X 2 731
TYCO INTERNATIONAL LTD NEW 902124106 242 2,476 SH X 3 2,476
TYCO INTERNATIONAL LTD NEW 902124106 3 31 SH X X 3 31
UNION BANKSHARES INC 905400107 312 14,700 SH X 1 14,700
UNION CARBIDE CORP 905581104 234 4,875 SH X 1 4,875
UNION CARBIDE CORP 905581104 41 850 SH X X 1 850
UNION PACIFIC CORP 907818108 346 6,362 SH X 1 6,362
UNION PACIFIC CORP 907818108 278 5,121 SH X X 1 2,721 2,400
US WEST INC NEW 91273H101 326 5,682 SH X 1 5,682
US WEST INC NEW 91273H101 165 2,883 SH X X 1 2,883
UNITED TECHNOLOGIES CORP 913017109 2,497 37,444 SH X 1 37,134 310
UNITED TECHNOLOGIES CORP 913017109 572 8,580 SH X X 1 8,485 95
UNITED TECHNOLOGIES CORP 913017109 69 1,032 SH X 2 1,032
UNITED TECHNOLOGIES CORP 913017109 300 4,501 SH X 3 4,501
UNITED TECHNOLOGIES CORP 913017109 3 50 SH X X 3 50
----------
PAGE TOTAL 5,955
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 20
AS OF 06/30/99
- - - - - 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 447 2,123 SH X 1 1,923 200
ADR SPONSORED
VODAFONE AIRTOUCH PLC 92857T107 151 716 SH X X 1 716
ADR SPONSORED
VODAFONE AIRTOUCH PLC 92857T107 14 67 SH X 2 67
ADR SPONSORED
WAL-MART STORES 931142103 209 4,952 SH X 1 4,952
WAL-MART STORES 931142103 120 2,838 SH X X 1 2,838
WAL-MART STORES 931142103 110 2,600 SH X 3 2,600
WARNER LAMBERT CO 934488107 422 6,401 SH X 1 6,401
WARNER LAMBERT CO 934488107 828 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 1,085 27,810 SH X 1 26,635 1,175
WELLS FARGO & CO NEW 949746101 284 7,285 SH X X 1 7,170 115
WELLS FARGO & CO NEW 949746101 28 724 SH X 2 724
WELLS FARGO & CO NEW 949746101 404 10,359 SH X 3 10,359
----------
PAGE TOTAL 4,122
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 21
AS OF 06/30/99
- - - - - 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>
WELLS FARGO & CO NEW 949746101 2 52 SH X X 3 52
WILLIAMS CO INC 969457100 290 6,900 SH X 1 6,900
WILLIAMS CO INC 969457100 168 4,000 SH X X 1 4,000
WILLIAMS CO INC 969457100 34 800 SH X 3 800
XEROX CORP 984121103 1,149 23,510 SH X 1 23,390 120
XEROX CORP 984121103 346 7,085 SH X X 1 7,000 85
XEROX CORP 984121103 29 591 SH X 2 591
XEROX CORP 984121103 164 3,359 SH X 3 3,359
XEROX CORP 984121103 2 38 SH X X 3 38
----------
PAGE TOTAL 2,184
FINAL TOTALS 338,562
</TABLE>