CHITTENDEN TRUST CO/VT
13F-HR, 2000-01-20
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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 12/31/99

 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 BAND AND TRUST COMPANY - 3


 <TABLE>
 FORM 13F INFORMATION TABLE

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    1
                                                                    AS OF 12/31/99
 - - - 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>
 SOPHUS BERENDSEN A/S DKK 20.0        K49759119         0     15,730 SH              X   X      1       15,730

 RATIN A/S DKK 1.0                    K8048L116         0     15,730 SH              X   X      1       15,730

 CHITTENDEN MONEY MARKET              MM0000123        20     20,000 SH              X          1       20,000

 CHITTENDEN MONEY MARKET              MM0000123         0          0 SH              X   X      1

 CHITTENDEN MONEY MARKET              MM0000123         0          0 SH              X          2

 CHITTENDEN MONEY MARKET              MM0000123        35     35,019 SH              X          3       35,019

 A T & T CORP                         001957109     1,333     26,229 SH              X          1       24,953              1,276

 A T & T CORP                         001957109       282      5,540 SH              X   X      1        5,540

 A T & T CORP                         001957109       143      2,823 SH              X          2        2,823

 A T & T CORP                         001957109        44        867 SH              X   X      2          867

 A T & T CORP                         001957109       127      2,498 SH              X          3        2,498

 A T & T CORP                         001957109         5         95 SH              X   X      3           95

 ABBOTT LABS                          002824100       598     16,476 SH              X          1       16,475                  1

 ABBOTT LABS                          002824100       218      6,004 SH              X   X      1        6,004

 ABBOTT LABS                          002824100       103      2,850 SH              X          2        2,850

 ABBOTT LABS                          002824100       145      4,000 SH              X          3        4,000

 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

 AMERICA ONLINE                       02364J104     1,988     26,195 SH              X          1       25,225                970

 AMERICA ONLINE                       02364J104       219      2,885 SH              X   X      1        2,840         20      25

 AMERICA ONLINE                       02364J104        63        833 SH              X          2          833

 AMERICA ONLINE                       02364J104         1         15 SH              X   X      2           15

 AMERICA ONLINE                       02364J104       273      3,597 SH              X          3        3,597

 AMERICA ONLINE                       02364J104         5         65 SH              X   X      3           65

 AMERICAN EXPRESS CO                  025816109     1,264      7,601 SH              X          1        7,600                  1

                                               ----------
          PAGE TOTAL                                7,079

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    2
                                                                    AS OF 12/31/99
 - - - 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 EXPRESS CO                  025816109        25        150 SH              X   X      1          150

 AMERICAN EXPRESS CO                  025816109        50        300 SH              X   X      3          300

 AMERICAN HOME PRODUCTS CORP          026609107     1,836     46,776 SH              X          1       42,775              4,001

 AMERICAN HOME PRODUCTS CORP          026609107       883     22,508 SH              X   X      1       22,508

 AMERICAN HOME PRODUCTS CORP          026609107        93      2,370 SH              X          2        2,370

 AMERICAN HOME PRODUCTS CORP          026609107        16        400 SH              X   X      2          400

 AMERICAN HOME PRODUCTS CORP          026609107        46      1,170 SH              X          3        1,170

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

 AMERN INTL GROUP INC                 026874107     9,563     88,444 SH              X          1       85,812              2,632

 AMERN INTL GROUP INC                 026874107     1,857     17,171 SH              X   X      1       14,279      2,857      35

 AMERN INTL GROUP INC                 026874107       141      1,304 SH              X          2        1,304

 AMERN INTL GROUP INC                 026874107        17        158 SH              X   X      2          158

 AMERN INTL GROUP INC                 026874107       804      7,434 SH              X          3        7,434

 AMERN INTL GROUP INC                 026874107         9         84 SH              X   X      3           84

 AMGEN INC                            031162100     2,614     43,513 SH              X          1       43,092                421

 AMGEN INC                            031162100       436      7,265 SH              X   X      1        7,265

 AMGEN INC                            031162100        18        305 SH              X          2          305

 AMGEN INC                            031162100       217      3,606 SH              X          3        3,606

 AMGEN INC                            031162100         6        100 SH              X   X      3          100

 ANALOG DEVICES INC                   032654105       836      8,985 SH              X   X      1        8,985

 APPLIED MATERIALS                    038222105     1,152      9,095 SH              X          1        8,850                245

 APPLIED MATERIALS                    038222105        84        660 SH              X   X      1          660

 APPLIED MATERIALS                    038222105        25        196 SH              X          2          196

 APPLIED MATERIALS                    038222105        13        100 SH              X   X      2          100

 APPLIED MATERIALS                    038222105       174      1,376 SH              X          3        1,376

                                               ----------
          PAGE TOTAL                               20,919

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    3
                                                                    AS OF 12/31/99
 - - - 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>
 APPLIED MATERIALS                    038222105         4         30 SH              X   X      3           30

 ARCHER DANIELS MIDLAND CO            039483102       137     11,275 SH              X          1       11,275

 ARCHER DANIELS MIDLAND CO            039483102        19      1,594 SH              X   X      1        1,594

 ASSOCIATES FIRST CAPITAL CORP        046008108     1,474     53,716 SH              X          1       52,201              1,515

 ASSOCIATES FIRST CAPITAL CORP        046008108       241      8,780 SH              X   X      1        8,630         85      65

 ASSOCIATES FIRST CAPITAL CORP        046008108        41      1,500 SH              X          2        1,500

 ASSOCIATES FIRST CAPITAL CORP        046008108       211      7,686 SH              X          3        7,686

 ASSOCIATES FIRST CAPITAL CORP        046008108         3        127 SH              X   X      3          127

 ATLANTIC RICHFIELD CO                048825103       656      7,579 SH              X          1        6,279              1,300

 ATLANTIC RICHFIELD CO                048825103       197      2,281 SH              X   X      1        1,881        400

 ATLANTIC RICHFIELD CO                048825103        44        510 SH              X          3          510

 AUTOMATIC DATA PROCESSING            053015103     3,407     63,231 SH              X          1       61,781              1,450

 AUTOMATIC DATA PROCESSING            053015103       700     12,995 SH              X   X      1       12,080        865      50

 AUTOMATIC DATA PROCESSING            053015103       144      2,665 SH              X          2        2,665

 AUTOMATIC DATA PROCESSING            053015103        11        200 SH              X   X      2          200

 AUTOMATIC DATA PROCESSING            053015103       455      8,438 SH              X          3        8,438

 AUTOMATIC DATA PROCESSING            053015103        17        308 SH              X   X      3          308

 AVERY DENNISON CORP                  053611109       219      3,000 SH              X          1        3,000

 BP AMOCO PLC SPONSORED ADR           055622104     1,627     27,423 SH              X          1       26,762                661

 BP AMOCO PLC SPONSORED ADR           055622104       401      6,758 SH              X   X      1        6,758

 BP AMOCO PLC SPONSORED ADR           055622104        12        198 SH              X   X      2          198

 BANKNORTH GROUP INC                  06646L100       181      6,776 SH              X          1        6,197                579

 BANKNORTH GROUP INC                  06646L100       141      5,253 SH              X   X      1        2,654      2,599

 BELL ATLANTIC CORP                   077853109     2,112     34,303 SH              X          1       31,540              2,763

 BELL ATLANTIC CORP                   077853109       410      6,652 SH              X   X      1        6,652

                                               ----------
          PAGE TOTAL                               12,864

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    4
                                                                    AS OF 12/31/99
 - - - 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>
 BELL ATLANTIC CORP                   077853109        99      1,610 SH              X          2        1,610

 BELL ATLANTIC CORP                   077853109        33        536 SH              X   X      2          536

 BELL ATLANTIC CORP                   077853109        56        902 SH              X          3          902

 BELL ATLANTIC CORP                   077853109         4         63 SH              X   X      3           63

 BELLSOUTH CORP                       079860102     4,017     85,815 SH              X          1       81,314              4,501

 BELLSOUTH CORP                       079860102       848     18,124 SH              X   X      1       18,124

 BELLSOUTH CORP                       079860102       302      6,453 SH              X          2        6,453

 BELLSOUTH CORP                       079860102        29        609 SH              X   X      2          609

 BELLSOUTH CORP                       079860102        84      1,800 SH              X          3        1,800

 BELLSOUTH CORP                       079860102         4         80 SH              X   X      3           80

 BERKSHIRE HATHAWAY                   084670108       281          5 SH              X          1            4                  1

 BERKSHIRE HATHAWAY CLASS B           084670207       214        117 SH              X          1          116                  1

 BERKSHIRE HATHAWAY CLASS B           084670207        82         45 SH              X   X      1           24         21

 BERKSHIRE HATHAWAY CLASS B           084670207        26         14 SH              X          3           14

 BESTFOODS                            08658U101     2,037     38,757 SH              X          1       36,577              2,180

 BESTFOODS                            08658U101       545     10,365 SH              X   X      1        9,860        455      50

 BESTFOODS                            08658U101        67      1,278 SH              X          2        1,278

 BESTFOODS                            08658U101         7        125 SH              X   X      2          125

 BESTFOODS                            08658U101       282      5,370 SH              X          3        5,370

 BESTFOODS                            08658U101         4         80 SH              X   X      3           80

 BOEING CO                            097023105         8        201 SH              X          1          200                  1

 BOEING CO                            097023105       853     20,596 SH              X   X      1        5,468             15,128

 BOEING CO                            097023105        75      1,808 SH              X          2        1,808

 BOEING CO                            097023105         3         75 SH              X   X      2           75

 BOEING CO                            097023105        19        456 SH              X          3          456

                                               ----------
          PAGE TOTAL                                9,979

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    5
                                                                    AS OF 12/31/99
 - - - 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>
 BRADFORD OIL COMPANY INC CL B        104320X19       220    121,027 SH              X          1      121,027

 BRISTOL MYERS SQUIBB CO              110122108     5,283     82,309 SH              X          1       80,453              1,856

 BRISTOL MYERS SQUIBB CO              110122108     1,939     30,214 SH              X   X      1       28,124         50   2,040

 BRISTOL MYERS SQUIBB CO              110122108       176      2,745 SH              X          2        2,745

 BRISTOL MYERS SQUIBB CO              110122108        29        450 SH              X   X      2          450

 BRISTOL MYERS SQUIBB CO              110122108       315      4,900 SH              X          3        4,900

 BRISTOL MYERS SQUIBB CO              110122108         4         58 SH              X   X      3           58

 BURLINGTON NORTHERN SANTA FE         12189T104       196      8,083 SH              X          1        7,783                300

 BURLINGTON NORTHERN SANTA FE         12189T104       275     11,325 SH              X   X      1        6,825              4,500

 BURLINGTON NORTHERN SANTA FE         12189T104        13        537 SH              X   X      2          537

 CSX CORP                             126408103        90      2,880 SH              X          1        2,880

 CSX CORP                             126408103       195      6,200 SH              X   X      1        1,200              5,000

 CSX CORP                             126408103        13        414 SH              X   X      2          414

 CAMPBELL SOUP CO                     134429109       217      5,600 SH              X          1        5,600

 CARDINAL HEALTH INC                  14149Y108     1,054     22,010 SH              X          1       21,480                530

 CARDINAL HEALTH INC                  14149Y108        97      2,030 SH              X   X      1        2,030

 CARDINAL HEALTH INC                  14149Y108        24        500 SH              X          2          500

 CARDINAL HEALTH INC                  14149Y108       201      4,192 SH              X          3        4,192

 CARDINAL HEALTH INC                  14149Y108        13        274 SH              X   X      3          274

 CARNIVAL CORP                        143658102     1,656     34,640 SH              X          1       33,610              1,030

 CARNIVAL CORP                        143658102       198      4,145 SH              X   X      1        4,145

 CARNIVAL CORP                        143658102        50      1,050 SH              X          2        1,050

 CARNIVAL CORP                        143658102         2         35 SH              X   X      2           35

 CARNIVAL CORP                        143658102       285      5,960 SH              X          3        5,960

 CARNIVAL CORP                        143658102         5        100 SH              X   X      3          100

                                               ----------
          PAGE TOTAL                               12,550

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    6
                                                                    AS OF 12/31/99
 - - - 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>
 CATERPILLAR INC                      149123101       154      3,280 SH              X          1        3,280

 CATERPILLAR INC                      149123101        40        840 SH              X          2          840

 CATERPILLAR INC                      149123101         9        200 SH              X          3          200

 CENTRAL & SOUTH WEST CORP            152357109       132      6,575 SH              X          1        6,575

 CENTRAL & SOUTH WEST CORP            152357109        80      4,000 SH              X   X      1        4,000

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

 CHEVRON CORP                         166751107     2,692     31,078 SH              X          1       30,637                441

 CHEVRON CORP                         166751107       358      4,134 SH              X   X      1        4,084         30      20

 CHEVRON CORP                         166751107       153      1,769 SH              X          2        1,769

 CHEVRON CORP                         166751107       222      2,557 SH              X          3        2,557

 CHEVRON CORP                         166751107         4         45 SH              X   X      3           45

 CHITTENDEN CORP                      170228100     6,617    223,364 SH              X          1      181,933             41,431

 CHITTENDEN CORP                      170228100     2,090     70,536 SH              X   X      1       39,316     25,158   6,062

 CHITTENDEN CORP                      170228100        78      2,640 SH              X          2        2,640

 CISCO SYSTEMS INC                    17275R102     7,056     65,865 SH              X          1       63,563              2,302

 CISCO SYSTEMS INC                    17275R102     1,468     13,708 SH              X   X      1       12,489      1,179      40

 CISCO SYSTEMS INC                    17275R102       401      3,740 SH              X          2        3,740

 CISCO SYSTEMS INC                    17275R102        38        356 SH              X   X      2          356

 CISCO SYSTEMS INC                    17275R102     1,034      9,650 SH              X          3        9,650

 CISCO SYSTEMS INC                    17275R102       183      1,705 SH              X   X      3        1,705

 CITIGROUP INC                        172967101     1,635     29,364 SH              X          1       28,584                780

 CITIGROUP INC                        172967101       296      5,316 SH              X   X      1        5,256         25      35

 CITIGROUP INC                        172967101        40        718 SH              X          2          718

 CITIGROUP INC                        172967101       212      3,809 SH              X          3        3,809

 CITIGROUP INC                        172967101        47        840 SH              X   X      3          840

                                               ----------
          PAGE TOTAL                               25,246

 <CAPTION>
 CHITTENDEN CORPORATON                       SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    7
                                                                    AS OF 12/31/99
 - - - 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>
 COBBLE HILL HOLDINGS, INC CL B       19088P208       755     75,455 SH              X   X      1       75,455

 COCA COLA CO                         191216100     3,540     60,766 SH              X          1       60,440                326

 COCA COLA CO                         191216100     1,614     27,715 SH              X   X      1       27,715

 COCA COLA CO                         191216100        20        340 SH              X          2          340

 COCA COLA CO                         191216100       103      1,766 SH              X          3        1,766

 COLGATE PALMOLIVE CO                 194162103       482      7,421 SH              X          1        5,394              2,027

 COLGATE PALMOLIVE CO                 194162103        96      1,480 SH              X          3        1,480

 COMPUTER SCIENCES CORP               205363104       213      2,250 SH              X          1        2,250

 CORNING INC                          219350105       223      1,729 SH              X          1        1,729

 CORNING INC                          219350105        52        400 SH              X   X      1          400

 CORNING INC                          219350105         1         10 SH              X          3           10

 CUROCO CORPORATION (SUBCHAPTER       231293101        26     10,000 SH              X          1       10,000
 S CORPORATION)
 DPL INC                              233293109       199     11,479 SH              X          1       11,479

 DPL INC                              233293109        20      1,182 SH              X   X      1        1,182

 DANAHER CORP                         235851102     2,159     44,739 SH              X          1       43,238              1,501

 DANAHER CORP                         235851102       516     10,685 SH              X   X      1        9,690        910      85

 DANAHER CORP                         235851102        55      1,130 SH              X          2        1,130

 DANAHER CORP                         235851102       297      6,155 SH              X          3        6,155

 DANAHER CORP                         235851102         4         78 SH              X   X      3           78

 DAYTON HUDSON CORP                   239753106     1,925     26,206 SH              X          1       25,626                580

 DAYTON HUDSON CORP                   239753106       223      3,035 SH              X   X      1        2,975         25      35

 DAYTON HUDSON CORP                   239753106        26        355 SH              X          2          355

 DAYTON HUDSON CORP                   239753106       303      4,123 SH              X          3        4,123

 DAYTON HUDSON CORP                   239753106         7        100 SH              X   X      3          100

 DISNEY (WALT) COMPANY HOLDING CO     254687106       539     18,422 SH              X          1       17,822                600

                                               ----------
          PAGE TOTAL                               13,398

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    8
                                                                    AS OF 12/31/99
 - - - 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) COMPANY HOLDING CO     254687106       169      5,790 SH              X   X      1        5,790

 DISNEY (WALT) COMPANY HOLDING CO     254687106       115      3,925 SH              X          2        3,925

 DISNEY (WALT) COMPANY HOLDING CO     254687106         4        150 SH              X   X      2          150

 DISNEY (WALT) COMPANY HOLDING CO     254687106        18        600 SH              X   X      3          600

 DOW CHEMICAL CO                      260543103       271      2,025 SH              X          1        2,025

 DOW CHEMICAL CO                      260543103       214      1,604 SH              X   X      1        1,604

 DOW CHEMICAL CO                      260543103        13        100 SH              X   X      2          100

 DUPONT E I DE NEMOURS & CO           263534109     4,211     63,924 SH              X          1       62,758              1,166

 DUPONT E I DE NEMOURS & CO           263534109     1,029     15,625 SH              X   X      1       15,540         50      35

 DUPONT E I DE NEMOURS & CO           263534109       222      3,365 SH              X          2        3,365

 DUPONT E I DE NEMOURS & CO           263534109        34        520 SH              X   X      2          520

 DUPONT E I DE NEMOURS & CO           263534109       476      7,232 SH              X          3        7,232

 DUPONT E I DE NEMOURS & CO           263534109         9        133 SH              X   X      3          133

 DUKE ENERGY CORP                     264399106     1,303     25,995 SH              X          1       25,094                901

 DUKE ENERGY CORP                     264399106       176      3,512 SH              X   X      1        3,012        500

 DUKE ENERGY CORP                     264399106        54      1,080 SH              X          2        1,080

 DUKE ENERGY CORP                     264399106       209      4,169 SH              X          3        4,169

 DUKE ENERGY CORP                     264399106         4         81 SH              X   X      3           81

 EMC CORP                             268648102     3,044     27,861 SH              X          1       24,655              3,206

 EMC CORP                             268648102       381      3,490 SH              X   X      1        3,440         20      30

 EMC CORP                             268648102        68        625 SH              X          2          625

 EMC CORP                             268648102       614      5,624 SH              X          3        5,624

 EMC CORP                             268648102         7         61 SH              X   X      3           61

 EASTMAN KODAK CO                     277461109       307      4,629 SH              X          1        4,528                101

 EASTMAN KODAK CO                     277461109       358      5,400 SH              X   X      1        2,900      2,500

                                               ----------
          PAGE TOTAL                               13,310

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE    9
                                                                    AS OF 12/31/99
 - - - 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>
 EASTMAN KODAK CO                     277461109        15        224 SH              X          2          224

 EASTMAN KODAK CO                     277461109        15        225 SH              X   X      2          225

 EMERSON ELECTRIC CO                  291011104       638     11,115 SH              X          1       10,515                600

 EMERSON ELECTRIC CO                  291011104       399      6,960 SH              X   X      1        6,960

 EMERSON ELECTRIC CO                  291011104        23        400 SH              X          2          400

 EMERSON ELECTRIC CO                  291011104        31        547 SH              X          3          547

 ENRON CORP                           293561106     4,177     94,126 SH              X          1       91,906              2,220

 ENRON CORP                           293561106       947     21,350 SH              X   X      1       19,160      2,110      80

 ENRON CORP                           293561106        60      1,360 SH              X          2        1,360

 ENRON CORP                           293561106         2         50 SH              X   X      2           50

 ENRON CORP                           293561106       535     12,065 SH              X          3       12,065

 ENRON CORP                           293561106         8        178 SH              X   X      3          178

 EXXON MOBIL CORP                     30231G102    16,397    203,529 SH              X          1      197,975              5,554

 EXXON MOBIL CORP                     30231G102     3,259     40,451 SH              X   X      1       40,375         50      26

 EXXON MOBIL CORP                     30231G102       669      8,303 SH              X          2        8,303

 EXXON MOBIL CORP                     30231G102        45        558 SH              X   X      2          558

 EXXON MOBIL CORP                     30231G102       651      8,082 SH              X          3        8,082

 EXXON MOBIL CORP                     30231G102        31        385 SH              X   X      3          385

 FANNIE MAE                           313586109     2,657     42,555 SH              X          1       41,270              1,285

 FANNIE MAE                           313586109       399      6,385 SH              X   X      1        6,275         60      50

 FANNIE MAE                           313586109        78      1,245 SH              X          2        1,245

 FANNIE MAE                           313586109         8        125 SH              X   X      2          125

 FANNIE MAE                           313586109       337      5,400 SH              X          3        5,400

 FANNIE MAE                           313586109         5         84 SH              X   X      3           84


                                               ----------
          PAGE TOTAL                               31,386

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   10
                                                                    AS OF 12/31/99
 - - - 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>
 FLEETBOSTON FINANCIAL CORP           339030108       787     22,604 SH              X          1       22,149                455

 FLEETBOSTON FINANCIAL CORP           339030108        33        946 SH              X   X      1          946

 FLEETBOSTON FINANCIAL CORP           339030108       170      4,879 SH              X          2        4,879

 FLEETBOSTON FINANCIAL CORP           339030108        19        534 SH              X   X      2          534

 FLEETBOSTON FINANCIAL CORP           339030108         7        210 SH              X          3          210

 FORD MOTOR CO                        345370100       121      2,276 SH              X          1        2,175                101

 FORD MOTOR CO                        345370100       123      2,310 SH              X   X      1        2,310

 FORD MOTOR CO                        345370100        24        444 SH              X          3          444

 FORTUNE BRANDS INC                   349631101       185      5,602 SH              X          1        5,602

 FORTUNE BRANDS INC                   349631101        40      1,196 SH              X   X      1        1,196

 FORTUNE BRANDS INC                   349631101         9        280 SH              X          2          280

 FORTUNE BRANDS INC                   349631101         7        223 SH              X          3          223

 GTE CORP                             362320103     4,332     61,388 SH              X          1       59,927              1,461

 GTE CORP                             362320103     1,109     15,719 SH              X   X      1       15,119        555      45

 GTE CORP                             362320103        53        748 SH              X          2          748

 GTE CORP                             362320103       123      1,745 SH              X   X      2        1,745

 GTE CORP                             362320103       285      4,040 SH              X          3        4,040

 GTE CORP                             362320103       126      1,789 SH              X   X      3        1,789

 GANNETT INC                          364730101     3,374     41,366 SH              X          1        5,865             35,501

 GANNETT INC                          364730101       326      4,000 SH              X   X      1        4,000

 GANNETT INC                          364730101        24        300 SH              X          2          300

                                               ----------
          PAGE TOTAL                               11,277

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   11
                                                                    AS OF 12/31/99
 - - - 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>
 GANNETT INC                          364730101         1         10 SH              X          3           10

 GENERAL ELECTRIC                     369604103    31,764    205,263 SH              X          1      202,563              2,700

 GENERAL ELECTRIC                     369604103     5,247     33,907 SH              X   X      1       31,937      1,640     330

 GENERAL ELECTRIC                     369604103     1,171      7,567 SH              X          2        7,567

 GENERAL ELECTRIC                     369604103       494      3,195 SH              X   X      2        3,195

 GENERAL ELECTRIC                     369604103     1,061      6,855 SH              X          3        6,855

 GENERAL ELECTRIC                     369604103        71        457 SH              X   X      3          457

 GENERAL MILLS INC                    370334104       113      3,160 SH              X          1        3,160

 GENERAL MILLS INC                    370334104        72      2,000 SH              X   X      1        2,000

 GENERAL MILLS INC                    370334104        29        800 SH              X          2          800

 GENERAL MILLS INC                    370334104        14        400 SH              X   X      2          400

 GENERAL MOTORS CORP                  370442105       703      9,668 SH              X          1        9,668

 GENERAL MOTORS CORP                  370442105       101      1,386 SH              X   X      1        1,386

 GENERAL MOTORS CORP                  370442105        48        660 SH              X          2          660

 GENERAL MOTORS CORP                  370442105        32        440 SH              X   X      2          440

 GEORGIA-PACIFIC GROUP                373298108       342      6,748 SH              X          1        6,748

 GEORGIA-PACIFIC GROUP                373298108        24        472 SH              X   X      1          472

 GILLETTE CO                          375766102       510     12,394 SH              X          1        7,993              4,401

 GILLETTE CO                          375766102       348      8,444 SH              X   X      1        8,444

 GILLETTE CO                          375766102        55      1,324 SH              X          2        1,324

 GILLETTE CO                          375766102         6        135 SH              X   X      2          135

 GILLETTE CO                          375766102        17        423 SH              X          3          423

 HALLIBURTON CO                       406216101     1,780     44,222 SH              X          1       42,420              1,802

 HALLIBURTON CO                       406216101       289      7,175 SH              X   X      1        6,055      1,070      50

 HALLIBURTON CO                       406216101        33        820 SH              X          2          820

                                               ----------
          PAGE TOTAL                               44,325

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   12
                                                                    AS OF 12/31/99
 - - - 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       247      6,147 SH              X          3        6,147

 HALLIBURTON CO                       406216101         4        104 SH              X   X      3          104

 HARLEY-DAVIDSON INC                  412822108     2,282     35,622 SH              X          1       34,717                905

 HARLEY-DAVIDSON INC                  412822108       522      8,150 SH              X   X      1        7,150      1,000

 HARLEY-DAVIDSON INC                  412822108        40        625 SH              X          2          625

 HARLEY-DAVIDSON INC                  412822108       230      3,598 SH              X          3        3,598

 HARLEY-DAVIDSON INC                  412822108        11        172 SH              X   X      3          172

 HEINZ H.J. CO                        423074103       332      8,328 SH              X          1        8,327                  1

 HEINZ H.J. CO                        423074103        52      1,300 SH              X   X      1        1,300

 HEINZ H.J. CO                        423074103         8        200 SH              X          3          200

 HERSHEY FOODS CORP                   427866108       285      6,000 SH              X          1        6,000

 HERSHEY FOODS CORP                   427866108       470      9,900 SH              X   X      1        2,700      7,200

 HERSHEY FOODS CORP                   427866108        57      1,200 SH              X          3        1,200

 HEWLETT PACKARD CO                   428236103     4,457     39,179 SH              X          1       37,714              1,465

 HEWLETT PACKARD CO                   428236103     1,215     10,682 SH              X   X      1        9,862        790      30

 HEWLETT PACKARD CO                   428236103        76        665 SH              X          2          665

 HEWLETT PACKARD CO                   428236103         9         75 SH              X   X      2           75

 HEWLETT PACKARD CO                   428236103       464      4,077 SH              X          3        4,077

 HEWLETT PACKARD CO                   428236103        17        147 SH              X   X      3          147

 HOME DEPOT INC                       437076102     4,697     68,322 SH              X          1       64,476              3,846

 HOME DEPOT INC                       437076102       847     12,316 SH              X   X      1       12,129        112      75

 HOME DEPOT INC                       437076102       189      2,745 SH              X          2        2,745

 HOME DEPOT INC                       437076102        57        825 SH              X   X      2          825

 HOME DEPOT INC                       437076102       908     13,203 SH              X          3       13,203

 HOME DEPOT INC                       437076102        76      1,102 SH              X   X      3        1,102

                                               ----------
          PAGE TOTAL                               17,552

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   13
                                                                    AS OF 12/31/99
 - - - 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>
 HONEYWELL INTL INC                   438516106       264      4,579 SH              X          1        4,579

 HONEYWELL INTL INC                   438516106       264      4,576 SH              X   X      1        4,576

 HONEYWELL INTL INC                   438516106        50        870 SH              X          2          870

 HONEYWELL INTL INC                   438516106         9        150 SH              X   X      2          150

 HONEYWELL INTL INC                   438516106        54        928 SH              X          3          928

 ILLINOIS TOOL WORKS                  452308109       305      4,507 SH              X          1        4,106                401

 ILLINOIS TOOL WORKS                  452308109        61        900 SH              X   X      1          900

 INTEL CORP                           458140100     7,594     92,261 SH              X          1       87,075              5,186

 INTEL CORP                           458140100     1,727     20,980 SH              X   X      1       18,855      1,275     850

 INTEL CORP                           458140100       121      1,470 SH              X          2        1,470

 INTEL CORP                           458140100        14        175 SH              X   X      2          175

 INTEL CORP                           458140100       800      9,721 SH              X          3        9,721

 INTEL CORP                           458140100         9        110 SH              X   X      3          110

 INTERNATIONAL BUSINESS MACHINES      459200101     6,999     64,883 SH              X          1       64,351                532

 INTERNATIONAL BUSINESS MACHINES      459200101     1,916     17,762 SH              X   X      1       10,322      7,425      15

 INTERNATIONAL BUSINESS MACHINES      459200101       144      1,339 SH              X          2        1,339

 INTERNATIONAL BUSINESS MACHINES      459200101       244      2,261 SH              X          3        2,261

 INTERNATIONAL BUSINESS MACHINES      459200101         3         30 SH              X   X      3           30

 JOHNSON & JOHNSON INC                478160104     7,695     82,525 SH              X          1       81,634                891

 JOHNSON & JOHNSON INC                478160104     3,059     32,803 SH              X   X      1       15,082     17,696      25

 JOHNSON & JOHNSON INC                478160104       253      2,715 SH              X          2        2,715

 JOHNSON & JOHNSON INC                478160104        12        125 SH              X   X      2          125

 JOHNSON & JOHNSON INC                478160104       427      4,574 SH              X          3        4,574

                                               ----------
          PAGE TOTAL                               32,024

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   14
                                                                    AS OF 12/31/99
 - - - 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>
 JOHNSON & JOHNSON INC                478160104        21        220 SH              X   X      3          220

 KIMBERLY CLARK CORP                  494368103       184      2,811 SH              X          1        2,640                171

 KIMBERLY CLARK CORP                  494368103        65      1,000 SH              X   X      1        1,000

 KIMBERLY CLARK CORP                  494368103        43        654 SH              X   X      2          654

 KNIGHT RIDDER INC                    499040103       214      3,600 SH              X          1        3,600

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

 LUCENT TECHNOLOGIES INC              549463107     6,132     81,761 SH              X          1       76,253              5,508

 LUCENT TECHNOLOGIES INC              549463107     1,101     14,677 SH              X   X      1       14,567         60      50

 LUCENT TECHNOLOGIES INC              549463107       345      4,606 SH              X          2        4,606

 LUCENT TECHNOLOGIES INC              549463107        98      1,313 SH              X   X      2        1,313

 LUCENT TECHNOLOGIES INC              549463107       615      8,202 SH              X          3        8,202

 LUCENT TECHNOLOGIES INC              549463107        55        733 SH              X   X      3          733

 MBIA INC                             55262C100       250      4,725 SH              X          1        4,125                600

 MBIA INC                             55262C100       276      5,220 SH              X   X      1        5,220

 MBNA CORP                            55262L100       861     31,597 SH              X          1       30,777                820

 MBNA CORP                            55262L100        73      2,685 SH              X   X      1        2,685

 MBNA CORP                            55262L100        17        608 SH              X          2          608

 MBNA CORP                            55262L100       196      7,182 SH              X          3        7,182

 MBNA CORP                            55262L100         5        200 SH              X   X      3          200

 MCI WORLDCOM INC                     55268B106     3,928     74,022 SH              X          1       71,674              2,347

 MCI WORLDCOM INC                     55268B106       913     17,202 SH              X   X      1       15,237      1,890      75

 MCI WORLDCOM INC                     55268B106        66      1,252 SH              X          2        1,252

 MCI WORLDCOM INC                     55268B106       604     11,384 SH              X          3       11,384

 MCI WORLDCOM INC                     55268B106         7        127 SH              X   X      3          127

 MARSH & MCLENNAN COS INC             571748102        62        644 SH              X          1          644

                                               ----------
          PAGE TOTAL                               16,441

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   15
                                                                    AS OF 12/31/99
 - - - 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>
 MARSH & MCLENNAN COS INC             571748102        43        450 SH              X   X      1          450

 MARSH & MCLENNAN COS INC             571748102       100      1,044 SH              X          2        1,044

 MARRIOTT INTERNATIONAL CL A          571903202       224      7,110 SH              X          1        7,110

 MARRIOTT INTERNATIONAL CL A          571903202         9        300 SH              X   X      1          300

 MAYTAG CORP                          578592107       307      6,400 SH              X          1        6,400

 MCDONALDS CORP                       580135101       760     18,850 SH              X          1       18,850

 MCDONALDS CORP                       580135101        16        400 SH              X          2          400

 MCDONALDS CORP                       580135101         8        200 SH              X   X      2          200

 MCDONALDS CORP                       580135101        97      2,400 SH              X          3        2,400

 MCGRAW HILL COMPANIES INC            580645109        62      1,001 SH              X          1          600                401

 MCGRAW HILL COMPANIES INC            580645109       123      2,000 SH              X   X      1        2,000

 MCGRAW HILL COMPANIES INC            580645109        49        800 SH              X          2          800

 MEDIAONE GROUP INC                   58440J104       299      3,898 SH              X          1        3,898

 MEDIAONE GROUP INC                   58440J104        56        728 SH              X   X      1          728

 MEDIAONE GROUP INC                   58440J104         5         68 SH              X          2           68

 MEDIAONE GROUP INC                   58440J104         3         36 SH              X   X      3           36

 MEDTRONIC INC                        585055106     2,429     66,649 SH              X          1       62,664              3,985

 MEDTRONIC INC                        585055106       508     13,932 SH              X   X      1       12,772      1,090      70

 MEDTRONIC INC                        585055106        43      1,180 SH              X          2        1,180

 MEDTRONIC INC                        585055106       325      8,911 SH              X          3        8,911

 MEDTRONIC INC                        585055106        12        335 SH              X   X      3          335

 MERCHANTS BANCSHARES INC             588448100       155      7,246 SH              X          1        7,246

 MERCHANTS BANCSHARES INC             588448100       327     15,310 SH              X   X      1       15,310

 MERCK & CO INC                       589331107     3,967     59,047 SH              X          1       54,764              4,283

 MERCK & CO INC                       589331107     1,890     28,136 SH              X   X      1       12,415     14,286   1,435

                                               ----------
          PAGE TOTAL                               11,817

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   16
                                                                    AS OF 12/31/99
 - - - 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>
 MERCK & CO INC                       589331107       353      5,260 SH              X          2        5,260

 MERCK & CO INC                       589331107        15        225 SH              X   X      2          225

 MERCK & CO INC                       589331107       238      3,546 SH              X          3        3,546

 MERCK & CO INC                       589331107        38        570 SH              X   X      3          570

 MERRILL LYNCH & CO., INC.            590188108     2,202     26,429 SH              X          1       25,684                745

 MERRILL LYNCH & CO., INC.            590188108       302      3,620 SH              X   X      1        3,550         40      30

 MERRILL LYNCH & CO., INC.            590188108        58        695 SH              X          2          695

 MERRILL LYNCH & CO., INC.            590188108       264      3,170 SH              X          3        3,170

 MERRILL LYNCH & CO., INC.            590188108         5         61 SH              X   X      3           61

 MICROSOFT CORP                       594918104     7,825     67,022 SH              X          1       61,357              5,665

 MICROSOFT CORP                       594918104     1,927     16,508 SH              X   X      1       14,443      1,640     425

 MICROSOFT CORP                       594918104       102        875 SH              X          2          875

 MICROSOFT CORP                       594918104         2         20 SH              X   X      2           20

 MICROSOFT CORP                       594918104     1,209     10,353 SH              X          3       10,353

 MICROSOFT CORP                       594918104        32        272 SH              X   X      3          272

 MINNESOTA MINING & MFG CO            604059105       787      8,042 SH              X          1        8,041                  1

 MINNESOTA MINING & MFG CO            604059105       400      4,090 SH              X   X      1          890      3,200

 MINNESOTA MINING & MFG CO            604059105        49        500 SH              X          2          500

 MORGAN, J P & CO                     616880100       386      3,046 SH              X          1        3,046

 MORGAN, J P & CO                     616880100       558      4,404 SH              X   X      1          904      3,500

 MORGAN, J P & CO                     616880100        82        650 SH              X          2          650

 MORGAN, J P & CO                     616880100         6         50 SH              X   X      2           50

 MORGAN, J P & CO                     616880100        51        400 SH              X          3          400

 MOTOROLA INC                         620076109       195      1,327 SH              X          1        1,127                200

 MOTOROLA INC                         620076109        33        223 SH              X          3          223

                                               ----------
          PAGE TOTAL                               17,119

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   17
                                                                    AS OF 12/31/99
 - - - 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>
 NEW ENGLAND ELECTRIC SYSTEMS         644001109       389      7,516 SH              X          1        7,516

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

 NEW ENGLAND ELECTRIC SYSTEMS         644001109       106      2,045 SH              X          3        2,045

 NEWELL RUBBERMAID INC                651229106     2,353     81,134 SH              X          1       79,004              2,130
 COM
 NEWELL RUBBERMAID INC                651229106       367     12,665 SH              X   X      1       11,085      1,450     130
 COM
 NEWELL RUBBERMAID INC                651229106        51      1,770 SH              X          2        1,770
 COM
 NEWELL RUBBERMAID INC                651229106       284      9,809 SH              X          3        9,809
 COM
 NEWELL RUBBERMAID INC                651229106         5        164 SH              X   X      3          164
 COM
 NOKIA CORP SPONSORED ADR             654902204       123        642 SH              X          1          642

 NOKIA CORP SPONSORED ADR             654902204       382      2,000 SH              X          2        2,000

 NORFOLK SOUTHERN CORP                655844108       319     15,537 SH              X          1       11,673              3,864

 NORFOLK SOUTHERN CORP                655844108        73      3,539 SH              X   X      1        3,539

 NORFOLK SOUTHERN CORP                655844108         6        270 SH              X   X      2          270

 ORACLE CORPORATION                   68389X105     4,723     42,144 SH              X          1       40,354              1,790

 ORACLE CORPORATION                   68389X105     1,357     12,112 SH              X   X      1       12,112

 ORACLE CORPORATION                   68389X105        77        690 SH              X          2          690

 ORACLE CORPORATION                   68389X105       680      6,067 SH              X          3        6,067

 ORACLE CORPORATION                   68389X105        28        253 SH              X   X      3          253

 PE BIOSYSTEMS GROUP                  69332S102       205      1,700 SH              X          1        1,700
 COM
                                               ----------
          PAGE TOTAL                               11,549

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   18
                                                                    AS OF 12/31/99
 - - - 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>
 PNC BANK CORP                        693475105       236      5,314 SH              X          1        5,314

 PNC BANK CORP                        693475105         9        210 SH              X          3          210

 PEPSICO INC                          713448108     4,162    118,065 SH              X          1      114,780              3,285

 PEPSICO INC                          713448108     1,525     43,272 SH              X   X      1       41,107         95   2,070

 PEPSICO INC                          713448108        79      2,235 SH              X          2        2,235

 PEPSICO INC                          713448108         5        150 SH              X   X      2          150

 PEPSICO INC                          713448108       268      7,605 SH              X          3        7,605

 PEPSICO INC                          713448108        16        441 SH              X   X      3          441

 PFIZER INC                           717081103     3,360    103,581 SH              X          1      100,996              2,585

 PFIZER INC                           717081103     1,542     47,537 SH              X   X      1       46,162      1,300      75

 PFIZER INC                           717081103       380     11,705 SH              X          2       11,705

 PFIZER INC                           717081103       458     14,119 SH              X          3       14,119

 PFIZER INC                           717081103         4        130 SH              X   X      3          130

 PHILIP MORRIS COMPANIES INC          718154107       420     18,243 SH              X          1       18,142                101

 PHILIP MORRIS COMPANIES INC          718154107        57      2,473 SH              X   X      1        2,473

 PHILIP MORRIS COMPANIES INC          718154107       214      9,300 SH              X          3        9,300

 PRAXAIR INC                          74005P104     2,518     50,055 SH              X          1       48,575              1,480

 PRAXAIR INC                          74005P104       437      8,695 SH              X   X      1        8,180        465      50

 PRAXAIR INC                          74005P104        54      1,075 SH              X          2        1,075

 PRAXAIR INC                          74005P104       348      6,908 SH              X          3        6,908

 PRAXAIR INC                          74005P104         9        184 SH              X   X      3          184

                                               ----------
          PAGE TOTAL                               16,101

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   19
                                                                    AS OF 12/31/99
 - - - 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>
 PROCTER & GAMBLE CO                  742718109     5,196     47,428 SH              X          1       46,027              1,401

 PROCTER & GAMBLE CO                  742718109     1,029      9,392 SH              X   X      1        7,712      1,645      35

 PROCTER & GAMBLE CO                  742718109       208      1,901 SH              X          2        1,901

 PROCTER & GAMBLE CO                  742718109       399      3,644 SH              X          3        3,644

 PROCTER & GAMBLE CO                  742718109        57        524 SH              X   X      3          524

 QUALCOMM INC                         747525103         7         40 SH              X          1           40

 QUALCOMM INC                         747525103       352      2,000 SH              X   X      1        2,000

 ROYAL DUTCH PETROLEUM NY REG SH      780257804       437      7,212 SH              X          1        7,212
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804        85      1,409 SH              X   X      1        1,409
 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        73      1,212 SH              X          3        1,212
 PAR N GLDR 1.25
 SBC COMMUNICATIONS INC               78387G103     3,172     65,069 SH              X          1       62,391              2,678

 SBC COMMUNICATIONS INC               78387G103     1,019     20,894 SH              X   X      1       20,894

 SBC COMMUNICATIONS INC               78387G103       183      3,755 SH              X          2        3,755

 SBC COMMUNICATIONS INC               78387G103        58      1,188 SH              X          3        1,188

 SBC COMMUNICATIONS INC               78387G103         7        148 SH              X   X      3          148

 SCANA CORP                           805898103       126      4,700 SH              X          1        4,700

 SCANA CORP                           805898103        81      3,000 SH              X   X      1        3,000

 SCHERING-PLOUGH CORP                 806605101     3,107     73,331 SH              X          1       72,020              1,311

 SCHERING-PLOUGH CORP                 806605101       533     12,575 SH              X   X      1       11,245      1,270      60

 SCHERING-PLOUGH CORP                 806605101        29        695 SH              X          2          695

 SCHERING-PLOUGH CORP                 806605101       229      5,393 SH              X          3        5,393

 SCHERING-PLOUGH CORP                 806605101         4         94 SH              X   X      3           94

 SCHLUMBERGER LTD                     806857108     1,852     33,004 SH              X          1       32,164                840

 SCHLUMBERGER LTD                     806857108       321      5,725 SH              X   X      1        5,000        695      30

                                               ----------
          PAGE TOTAL                               18,594

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   20
                                                                    AS OF 12/31/99
 - - - 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        42        745 SH              X          2          745

 SCHLUMBERGER LTD                     806857108       283      5,047 SH              X          3        5,047

 SCHLUMBERGER LTD                     806857108        23        403 SH              X   X      3          403

 SMITHKLINE BEECHAM P.L.C. ADR        832378301       402      6,263 SH              X          1        6,263
 REPSTG ORD A
 SMITHKLINE BEECHAM P.L.C. ADR        832378301       167      2,600 SH              X   X      1        2,600
 REPSTG ORD A
 SMITHKLINE BEECHAM P.L.C. ADR        832378301        26        400 SH              X          2          400
 REPSTG ORD A
 SOLECTRON CORP                       834182107     4,106     43,165 SH              X          1       39,889              3,276

 SOLECTRON CORP                       834182107     1,081     11,365 SH              X   X      1        9,165      2,200

 SOLECTRON CORP                       834182107        46        480 SH              X          2          480

 SOLECTRON CORP                       834182107       335      3,525 SH              X          3        3,525

 SOLECTRON CORP                       834182107         6         67 SH              X   X      3           67

 SPRINT CORP                          852061100       102      1,510 SH              X          1        1,510

 SPRINT CORP                          852061100       262      3,892 SH              X   X      1        3,892

 SPRINT CORP                          852061100        61        900 SH              X          2          900

 STAPLES INCORPORATED                 855030102     1,688     81,335 SH              X          1       78,832              2,503
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102       237     11,415 SH              X   X      1       11,415
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102        54      2,605 SH              X          2        2,605
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102         2         75 SH              X   X      2           75
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102       266     12,805 SH              X          3       12,805
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102         5        239 SH              X   X      3          239
 (RETAIL & DELIVERY)
 STATE STREET CORP                    857477103     2,970     40,652 SH              X          1       39,472              1,180

 STATE STREET CORP                    857477103       538      7,358 SH              X   X      1        6,675         40     643

 STATE STREET CORP                    857477103        64        880 SH              X          2          880

 STATE STREET CORP                    857477103         2         25 SH              X   X      2           25

 STATE STREET CORP                    857477103       261      3,577 SH              X          3        3,577

                                               ----------
          PAGE TOTAL                               13,029

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   21
                                                                    AS OF 12/31/99
 - - - 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>
 STATE STREET CORP                    857477103         5         63 SH              X   X      3           63

 SUN MICROSYSTEMS INC                 866810104     3,026     39,080 SH              X          1       37,764              1,316

 SUN MICROSYSTEMS INC                 866810104       384      4,965 SH              X   X      1        4,920         25      20

 SUN MICROSYSTEMS INC                 866810104       117      1,510 SH              X          2        1,510

 SUN MICROSYSTEMS INC                 866810104         4         50 SH              X   X      2           50

 SUN MICROSYSTEMS INC                 866810104       441      5,692 SH              X          3        5,692

 SUN MICROSYSTEMS INC                 866810104         8        100 SH              X   X      3          100

 SYSCO CORP                           871829107     3,600     90,984 SH              X          1       88,719              2,265

 SYSCO CORP                           871829107       552     13,940 SH              X   X      1       11,940      2,000

 SYSCO CORP                           871829107        44      1,110 SH              X          2        1,110

 SYSCO CORP                           871829107       257      6,489 SH              X          3        6,489

 SYSCO CORP                           871829107         5        118 SH              X   X      3          118

 TEXACO INC                           881694103       207      3,813 SH              X          1        3,712                101

 TEXACO INC                           881694103        60      1,104 SH              X   X      1        1,104

 TEXACO INC                           881694103         1         15 SH              X          2           15

 TEXACO INC                           881694103         1         19 SH              X   X      2           19

 TEXACO INC                           881694103        16        300 SH              X          3          300

 TEXAS INSTRUMENTS                    882508104       215      2,230 SH              X          1        2,230

 TEXTRON INC                          883203101       182      2,368 SH              X          1        2,368

 TEXTRON INC                          883203101        57        746 SH              X          3          746

 TIME WARNER INC                      887315109       911     12,600 SH              X          1       12,600

 TIME WARNER INC                      887315109        72      1,000 SH              X   X      1        1,000

 TIME WARNER INC                      887315109        15        210 SH              X          3          210

 TYCO INTERNATIONAL LTD NEW           902124106     2,838     72,776 SH              X          1       70,501              2,275

 TYCO INTERNATIONAL LTD NEW           902124106       492     12,620 SH              X   X      1       12,390        130     100

                                               ----------
          PAGE TOTAL                               13,510

 <CAPTI0N>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   22
                                                                    AS OF 12/31/99
 - - - 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        70      1,800 SH              X          2        1,800

 TYCO INTERNATIONAL LTD NEW           902124106       357      9,152 SH              X          3        9,152

 TYCO INTERNATIONAL LTD NEW           902124106         5        129 SH              X   X      3          129

 UNION BANKSHARES INC                 905400107       235     14,701 SH              X          1       14,700                  1

 UNION CARBIDE CORP                   905581104       309      4,625 SH              X          1        4,625

 UNION CARBIDE CORP                   905581104        43        650 SH              X   X      1          650

 UNION PACIFIC CORP                   907818108       217      4,966 SH              X          1        4,966

 UNION PACIFIC CORP                   907818108       224      5,121 SH              X   X      1        1,921        800   2,400

 US WEST INC NEW                      91273H101       384      5,338 SH              X          1        5,337                  1

 US WEST INC NEW                      91273H101       208      2,883 SH              X   X      1        2,883

 US WEST INC NEW                      91273H101         5         68 SH              X          2           68

 UNITED TECHNOLOGIES CORP             913017109     2,495     38,391 SH              X          1       37,591                800

 UNITED TECHNOLOGIES CORP             913017109       563      8,665 SH              X   X      1        8,565         55      45

 UNITED TECHNOLOGIES CORP             913017109       118      1,815 SH              X          2        1,815

 UNITED TECHNOLOGIES CORP             913017109        27        420 SH              X   X      2          420

 UNITED TECHNOLOGIES CORP             913017109       309      4,753 SH              X          3        4,753

 UNITED TECHNOLOGIES CORP             913017109         5         74 SH              X   X      3           74

                                               ----------
          PAGE TOTAL                                5,574

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   23
                                                                    AS OF 12/31/99
 - - - 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       605     12,215 SH              X          1       11,215              1,000
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107       177      3,580 SH              X   X      1        3,580
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107        37        755 SH              X          2          755
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107         0         10 SH              X          3           10
 ADR SPONSORED
 WAL-MART STORES                      931142103     1,826     26,413 SH              X          1       25,892                521

 WAL-MART STORES                      931142103       319      4,618 SH              X   X      1        4,513         50      55

 WAL-MART STORES                      931142103        30        435 SH              X          2          435

 WAL-MART STORES                      931142103         2         25 SH              X   X      2           25

 WAL-MART STORES                      931142103       531      7,676 SH              X          3        7,676

 WAL-MART STORES                      931142103         8        110 SH              X   X      3          110

 WARNER LAMBERT CO                    934488107       471      5,753 SH              X          1        5,752                  1

 WARNER LAMBERT CO                    934488107       898     10,964 SH              X   X      1        9,236              1,728

                                               ----------
          PAGE TOTAL                                4,904

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        01/04/00           PAGE   24
                                                                    AS OF 12/31/99
 - - - 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>
 WARNER LAMBERT CO                    934488107        25        300 SH              X          3          300

 WELLS FARGO & CO NEW                 949746101     1,466     36,260 SH              X          1       34,190              2,070

 WELLS FARGO & CO NEW                 949746101       368      9,095 SH              X   X      1        9,005         35      55

 WELLS FARGO & CO NEW                 949746101        28        700 SH              X          2          700

 WELLS FARGO & CO NEW                 949746101       446     11,019 SH              X          3       11,019

 WELLS FARGO & CO NEW                 949746101         4         92 SH              X   X      3           92

 WILLIAMS CO INC                      969457100       215      7,039 SH              X          1        7,038                  1

 WILLIAMS CO INC                      969457100       122      4,000 SH              X   X      1                           4,000

 WILLIAMS CO INC                      969457100        24        800 SH              X          3          800

                                               ----------
          PAGE TOTAL                                2,698
         FINAL TOTALS                             383,245
 </TABLE>


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