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>