CHITTENDEN TRUST CO/VT
13F-HR, 2000-08-07
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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 06/30/00

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

 FORM 13F SUMMARY PAGE

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

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

 <TABLE>
 FORM 13F INFORMATION TABLE

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    1
                                                                    AS OF 06/30/00
 - - - 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>
 OVERHEAD DOOR CO OF BURLINGTON       CSOVER016       408        260 SH              X   X      1          260

 CONSOLIDTD N E EXPLORATION CO        CS0027009         0     10,000 SH              X          1       10,000

 PATCHS PETROLEUM CORP                CS4889008       304          1 SH              X          1            1

 DAMPSKYO                             K19682101     1,189        120 SH              X   X      1          120

 D/S SVENDBORG CL B                   K20140149       440         30 SH              X   X      1           30

 AS DAMPSKIBSSELSKABET SV DKK 1000.0  K20140156       911         60 SH              X   X      1           60

 RATIN A/S DKK 1.0                    K8048L108       315      3,000 SH              X   X      1        3,000

 RATIN A/S DKK 1.0                    K8048L116       708      9,000 SH              X   X      1        9,000

 LANE PRESS, INC                      LANEPRES8    14,094     15,590 SH              X   X      1       15,590

 OXFORD CNTY TEL & TEL MAINE          OXFORDTT3       330      3,000 SH              X          1        3,000

 A T & T CORP                         001957109     1,916     60,241 SH              X          1       57,571                 2,670

 A T & T CORP                         001957109       986     31,007 SH              X   X      1       31,007

 A T & T CORP                         001957109       125      3,921 SH              X          2        3,921

 A T & T CORP                         001957109        28        867 SH              X   X      2          867

 A T & T CORP                         001957109        44      1,378 SH              X          3        1,378

 A T & T CORP                         001957109        34      1,066 SH              X   X      3        1,066

 ABBOTT LABS                          002824100     1,907     42,800 SH              X          1       42,500                   300

 ABBOTT LABS                          002824100     1,041     23,363 SH              X   X      1       23,363

 ABBOTT LABS                          002824100        16        350 SH              X          2          350

 ABBOTT LABS                          002824100       169      3,800 SH              X          3        3,800

 AGILENT TECHNOLOGIES                 00846U101     2,393     32,447 SH              X          1       31,913                   534

 AGILENT TECHNOLOGIES                 00846U101       658      8,918 SH              X   X      1        8,875         13         30

                                               ----------
          PAGE TOTAL                               28,016

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    2
                                                                    AS OF 06/30/00
 - - - 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>
 AGILENT TECHNOLOGIES                 00846U101        18        250 SH              X          2          250

 AGILENT TECHNOLOGIES                 00846U101         2         28 SH              X   X      2           28

 AGILENT TECHNOLOGIES                 00846U101       105      1,424 SH              X          3        1,424

 AGILENT TECHNOLOGIES                 00846U101         3         38 SH              X   X      3           38

 AIR PRODUCTS & CHEMICALS INC         009158106       347     11,189 SH              X          1        6,933                 4,256

 AIR PRODUCTS & CHEMICALS INC         009158106        29        933 SH              X   X      1          933

 AIR PRODUCTS & CHEMICALS INC         009158106         7        240 SH              X          2          240

 AMERICA ONLINE                       02364J104     2,698     51,260 SH              X          1       49,835                 1,425

 AMERICA ONLINE                       02364J104       574     10,905 SH              X   X      1       10,825         45         35

 AMERICA ONLINE                       02364J104        60      1,143 SH              X          2        1,143

 AMERICA ONLINE                       02364J104         3         65 SH              X   X      2           65

 AMERICA ONLINE                       02364J104       278      5,282 SH              X          3        5,282

 AMERICAN ELECTRIC POWER INC          025537101       184      6,221 SH              X          1        6,221

 AMERICAN ELECTRIC POWER INC          025537101        73      2,460 SH              X   X      1        2,460

 AMERICAN ELECTRIC POWER INC          025537101         2         64 SH              X          2           64

 AMERICAN EXPRESS CO                  025816109     1,327     25,450 SH              X          1       25,450

 AMERICAN EXPRESS CO                  025816109       177      3,393 SH              X   X      1        3,393

 AMERICAN EXPRESS CO                  025816109        47        900 SH              X   X      3          900

 AMERICAN HOME PRODUCTS CORP          026609107     4,548     77,405 SH              X          1       74,175                 3,230

 AMERICAN HOME PRODUCTS CORP          026609107     2,651     45,122 SH              X   X      1       45,122

 AMERICAN HOME PRODUCTS CORP          026609107       200      3,410 SH              X          2        3,410

 AMERICAN HOME PRODUCTS CORP          026609107        24        400 SH              X   X      2          400

 AMERICAN HOME PRODUCTS CORP          026609107        45        767 SH              X          3          767

 AMERICAN HOME PRODUCTS CORP          026609107         6        100 SH              X   X      3          100

 AMERN INTL GROUP INC                 026874107    13,017    110,782 SH              X          1      107,711                 3,071

                                               ----------
          PAGE TOTAL                               26,425

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    3
                                                                    AS OF 06/30/00
 - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 <C>                       	        <C>        <C>		<C>                <C>           <C>     <C>
 AMERN INTL GROUP INC                 026874107     2,849     24,246 SH              X   X      1       21,685      2,345        216

 AMERN INTL GROUP INC                 026874107       193      1,642 SH              X          2        1,642

 AMERN INTL GROUP INC                 026874107         8         68 SH              X   X      2           68

 AMERN INTL GROUP INC                 026874107     1,122      9,550 SH              X          3        9,550

 AMGEN INC                            031162100     4,585     65,269 SH              X          1       64,449                   820

 AMGEN INC                            031162100     1,256     17,882 SH              X   X      1       17,032                   850

 AMGEN INC                            031162100        41        585 SH              X          2          585

 AMGEN INC                            031162100         4         50 SH              X   X      2           50

 AMGEN INC                            031162100       324      4,614 SH              X          3        4,614

 ANALOG DEVICES INC                   032654105     1,332     17,520 SH              X   X      1       17,520

 ANHEUSER BUSCH INC                   035229103       214      2,868 SH              X          1        2,868

 ANHEUSER BUSCH INC                   035229103        45        600 SH              X   X      1          600

 ANHEUSER BUSCH INC                   035229103        60        800 SH              X          3          800

 APPLIED MATERIALS                    038222105     6,199     68,400 SH              X          1       67,280                 1,120

 APPLIED MATERIALS                    038222105     2,390     26,377 SH              X   X      1       25,927                   450

 APPLIED MATERIALS                    038222105        68        755 SH              X          2          755

 APPLIED MATERIALS                    038222105         9        100 SH              X   X      2          100

 APPLIED MATERIALS                    038222105       383      4,225 SH              X          3        4,225

 ARCHER DANIELS MIDLAND CO            039483102       111     11,275 SH              X          1       11,275

 ARCHER DANIELS MIDLAND CO            039483102        16      1,594 SH              X   X      1        1,594

 ARROW FINANCIAL CORP                 042744102     1,320     88,024 SH              X          1       84,899                 3,125

 ARROW FINANCIAL CORP                 042744102     1,400     93,354 SH              X   X      1       93,354

 ASSOCIATES FIRST CAPITAL CORP        046008108     2,218     99,394 SH              X          1       96,239                 3,155

 ASSOCIATES FIRST CAPITAL CORP        046008108       324     14,527 SH              X   X      1       14,337        100         90

 ASSOCIATES FIRST CAPITAL CORP        046008108        67      3,020 SH              X          2        3,020

                                               ----------
          PAGE TOTAL                               26,538

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    4
                                                                    AS OF 06/30/00
 - - - 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>
 ASSOCIATES FIRST CAPITAL CORP        046008108         2        100 SH              X   X      2          100

 ASSOCIATES FIRST CAPITAL CORP        046008108       324     14,499 SH              X          3       14,499

 ASSOCIATES FIRST CAPITAL CORP        046008108         5        208 SH              X   X      3          208

 AUTOMATIC DATA PROCESSING            053015103     6,288    117,395 SH              X          1      114,960                 2,435

 AUTOMATIC DATA PROCESSING            053015103     1,745     32,570 SH              X   X      1       31,555        865        150

 AUTOMATIC DATA PROCESSING            053015103       351      6,560 SH              X          2        6,560

 AUTOMATIC DATA PROCESSING            053015103         5        100 SH              X   X      2          100

 AUTOMATIC DATA PROCESSING            053015103       595     11,106 SH              X          3       11,106

 AUTOMATIC DATA PROCESSING            053015103        11        200 SH              X   X      3          200

 BP AMOCO PLC SPONSORED ADR           055622104     3,597     63,528 SH              X          1       60,876                 2,652

 BP AMOCO PLC SPONSORED ADR           055622104     1,062     18,747 SH              X   X      1       18,747

 BP AMOCO PLC SPONSORED ADR           055622104        76      1,346 SH              X          2        1,346

 BP AMOCO PLC SPONSORED ADR           055622104         4         75 SH              X   X      2           75

 BP AMOCO PLC SPONSORED ADR           055622104        61      1,070 SH              X          3        1,070

 FIRST HAWAIIAN INC                   059790105       928     56,448 SH              X   X      1       56,448

 BANK AMER CORP                       060505104       875     20,180 SH              X          1       20,180

 BANK AMER CORP                       060505104       230      5,292 SH              X   X      1        5,292

 BANK AMER CORP                       060505104        47      1,076 SH              X          2        1,076

 BANK AMER CORP                       060505104        26        600 SH              X   X      2          600

 BANK OF NEW YORK                     064057102       211      4,527 SH              X          1        4,527

 BANK OF NEW YORK                     064057102       488     10,485 SH              X   X      1       10,485

 BANK OF NEW YORK                     064057102       167      3,600 SH              X          3        3,600

 BANK ONE CORP                        06423A103       467     17,589 SH              X          1       17,328                   261

 BANK ONE CORP                        06423A103        65      2,432 SH              X   X      1        2,325                   107

 BANKNORTH GROUP INC NEW              06646R107       381     24,896 SH              X          1       23,842                 1,054

                                               ----------
          PAGE TOTAL                               18,011

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    5
                                                                    AS OF 06/30/00
 - - - 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>
 BANKNORTH GROUP INC NEW              06646R107     1,926    125,770 SH              X   X      1      118,771      4,799      2,200

 BANKNORTH GROUP INC NEW              06646R107         4        281 SH              X          2          281

 BAXTER INTERNATIONAL INC             071813109        74      1,050 SH              X          1        1,050

 BAXTER INTERNATIONAL INC             071813109        59        835 SH              X   X      1          835

 BAXTER INTERNATIONAL INC             071813109        68        965 SH              X          2          965

 BAXTER INTERNATIONAL INC             071813109        13        185 SH              X          3          185

 BELLSOUTH CORP                       079860102     5,032    118,059 SH              X          1      113,659                 4,400

 BELLSOUTH CORP                       079860102     1,807     42,402 SH              X   X      1       42,402

 BELLSOUTH CORP                       079860102       305      7,145 SH              X          2        7,145

 BELLSOUTH CORP                       079860102        28        664 SH              X   X      2          664

 BELLSOUTH CORP                       079860102        84      1,960 SH              X          3        1,960

 BELLSOUTH CORP                       079860102       209      4,905 SH              X   X      3        4,905

 BERKSHIRE HATHAWAY                   084670108       215          4 SH              X          1            4

 BERKSHIRE HATHAWAY CLASS B           084670207       215        122 SH              X          1          122

 BERKSHIRE HATHAWAY CLASS B           084670207       114         65 SH              X   X      1           44         21

 BERKSHIRE HATHAWAY CLASS B           084670207        18         10 SH              X          3           10

 BESTFOODS                            08658U101     5,416     78,204 SH              X          1       74,879                 3,325

 BESTFOODS                            08658U101     1,698     24,523 SH              X   X      1       23,733        660        130

 BESTFOODS                            08658U101       109      1,578 SH              X          2        1,578

 BESTFOODS                            08658U101         9        125 SH              X   X      2          125

 BESTFOODS                            08658U101       506      7,314 SH              X          3        7,314

 BOEING CO                            097023105        16        380 SH              X          1          380

 BOEING CO                            097023105       796     19,038 SH              X   X      1        4,810                14,228

 BOEING CO                            097023105        51      1,222 SH              X          2        1,222

 BOEING CO                            097023105        15        362 SH              X          3          362

                                               ----------
          PAGE TOTAL                               18,787

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    6
                                                                    AS OF 06/30/00
 - - - 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>
 BRISTOL MYERS SQUIBB CO              110122108     7,811    134,090 SH              X          1      131,355                 2,735

 BRISTOL MYERS SQUIBB CO              110122108     3,328     57,131 SH              X   X      1       55,031         60      2,040

 BRISTOL MYERS SQUIBB CO              110122108       193      3,315 SH              X          2        3,315

 BRISTOL MYERS SQUIBB CO              110122108        29        500 SH              X   X      2          500

 BRISTOL MYERS SQUIBB CO              110122108       370      6,344 SH              X          3        6,344

 BURLINGTON NORTHERN SANTA FE         12189T104       184      7,900 SH              X          1        7,600                   300

 BURLINGTON NORTHERN SANTA FE         12189T104       230      9,888 SH              X   X      1        5,388                 4,500

 BURLINGTON NORTHERN SANTA FE         12189T104        11        472 SH              X   X      2          472

 CIGNA CORP                           125509109       640      6,848 SH              X          1        6,848

 CIGNA CORP                           125509109       122      1,300 SH              X   X      1        1,300

 CAMPBELL SOUP CO                     134429109       350     12,005 SH              X          1       11,940                    65

 CAMPBELL SOUP CO                     134429109        98      3,350 SH              X   X      1        3,350

 CARDINAL HEALTH INC                  14149Y108     2,567     34,685 SH              X          1       33,285                 1,400

 CARDINAL HEALTH INC                  14149Y108       354      4,780 SH              X   X      1        4,780

 CARDINAL HEALTH INC                  14149Y108        74      1,006 SH              X          2        1,006

 CARDINAL HEALTH INC                  14149Y108         4         50 SH              X   X      2           50

 CARDINAL HEALTH INC                  14149Y108       415      5,602 SH              X          3        5,602

 CARDINAL HEALTH INC                  14149Y108        15        200 SH              X   X      3          200

 CARNIVAL CORP                        143658102     1,492     76,527 SH              X          1       74,247                 2,280

 CARNIVAL CORP                        143658102       286     14,680 SH              X   X      1       14,380                   300

 CARNIVAL CORP                        143658102        34      1,725 SH              X          2        1,725

 CARNIVAL CORP                        143658102         3        135 SH              X   X      2          135

 CARNIVAL CORP                        143658102       196     10,055 SH              X          3       10,055

 CATERPILLAR INC                      149123101       118      3,480 SH              X          1        3,480

 CATERPILLAR INC                      149123101       120      3,550 SH              X   X      1        3,550

                                               ----------
          PAGE TOTAL                               19,044

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    7
                                                                    AS OF 06/30/00
 - - - 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        28        840 SH              X          2          840

 CATERPILLAR INC                      149123101         7        200 SH              X          3          200

 CENTRAL FINANCIAL CORP               153472105     1,993     36,240 SH              X          1       36,240

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

 CHASE MANHATTAN CORP                 16161A108        81      1,768 SH              X          1        1,768

 CHASE MANHATTAN CORP                 16161A108       417      9,061 SH              X   X      1        8,986                    75

 CHASE MANHATTAN CORP                 16161A108         8        168 SH              X          3          168

 CHEVRON CORP                         166751107     3,878     45,662 SH              X          1       44,987                   675

 CHEVRON CORP                         166751107       820      9,650 SH              X   X      1        9,525         30         95

 CHEVRON CORP                         166751107       220      2,594 SH              X          2        2,594

 CHEVRON CORP                         166751107         2         25 SH              X   X      2           25

 CHEVRON CORP                         166751107       305      3,592 SH              X          3        3,592

 CHITTENDEN CORP                      170228100     6,236    255,176 SH              X          1      216,186                38,990

 CHITTENDEN CORP                      170228100     1,897     77,645 SH              X   X      1       51,320     20,263      6,062

 CHITTENDEN CORP                      170228100        61      2,500 SH              X          2        2,500

 CISCO SYSTEMS INC                    17275R102    13,761    216,490 SH              X          1      210,453                 6,037

 CISCO SYSTEMS INC                    17275R102     4,507     70,908 SH              X   X      1       68,398      1,600        910

 CISCO SYSTEMS INC                    17275R102       392      6,160 SH              X          2        6,160

 CISCO SYSTEMS INC                    17275R102        22        340 SH              X   X      2          340

 CISCO SYSTEMS INC                    17275R102     1,151     18,111 SH              X          3       18,111

 CISCO SYSTEMS INC                    17275R102       203      3,200 SH              X   X      3        3,200

 CITIGROUP INC                        172967101     2,947     48,756 SH              X          1       47,336                 1,420

 CITIGROUP INC                        172967101     1,169     19,337 SH              X   X      1       19,267         35         35

 CITIGROUP INC                        172967101        89      1,473 SH              X          2        1,473

 CITIGROUP INC                        172967101         3         50 SH              X   X      2           50

                                               ----------
          PAGE TOTAL                               40,404

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    8
                                                                    AS OF 06/30/00
 - - - 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>
 CITIGROUP INC                        172967101       318      5,256 SH              X          3        5,256

 CITIGROUP INC                        172967101        45        750 SH              X   X      3          750

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

 COCA COLA CO                         191216100     4,226     73,570 SH              X          1       73,245                   325

 COCA COLA CO                         191216100     2,563     44,629 SH              X   X      1       44,629

 COCA COLA CO                         191216100        63      1,090 SH              X          2        1,090

 COCA COLA CO                         191216100        92      1,600 SH              X          3        1,600

 COLGATE PALMOLIVE CO                 194162103       479      7,995 SH              X          1        6,319                 1,676

 COLGATE PALMOLIVE CO                 194162103       967     16,150 SH              X   X      1       16,150

 COLGATE PALMOLIVE CO                 194162103        89      1,480 SH              X          3        1,480

 COMMUNITY SERVICE TELEPHONE CO       20404P203       406     13,250 SH              X          1       13,250

 COMPAQ COMPUTER CORP                 204493100       712     27,838 SH              X          1       27,744                    94

 COMPAQ COMPUTER CORP                 204493100       175      6,850 SH              X   X      1        6,850

 COMPAQ COMPUTER CORP                 204493100        77      3,000 SH              X          2        3,000

 COMPAQ COMPUTER CORP                 204493100        20        800 SH              X   X      2          800

 COMPAQ COMPUTER CORP                 204493100         5        190 SH              X          3          190

 CORNING INC                          219350105       453      1,679 SH              X          1        1,679

 CORNING INC                          219350105       216        800 SH              X   X      1          800

 CUROCO CORPORATION (SUBCHAPTER       231293101        26     10,000 SH              X          1       10,000
 S CORPORATION)
 DPL INC                              233293109       252     11,479 SH              X          1       11,479

 DPL INC                              233293109        46      2,092 SH              X   X      1        2,092

 DANAHER CORP                         235851102     3,071     62,120 SH              X          1       60,280                 1,840

 DANAHER CORP                         235851102       600     12,145 SH              X   X      1       11,145        915         85

 DANAHER CORP                         235851102        81      1,635 SH              X          2        1,635

 DANAHER CORP                         235851102         4         75 SH              X   X      2           75

                                               ----------
          PAGE TOTAL                               15,741

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE    9
                                                                    AS OF 06/30/00
 - - - 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>
 DANAHER CORP                         235851102       425      8,593 SH              X          3        8,593

 DISNEY (WALT) COMPANY HOLDING CO     254687106     1,638     42,212 SH              X          1       41,612                   600

 DISNEY (WALT) COMPANY HOLDING CO     254687106       524     13,506 SH              X   X      1       13,506

 DISNEY (WALT) COMPANY HOLDING CO     254687106       199      5,125 SH              X          2        5,125

 DISNEY (WALT) COMPANY HOLDING CO     254687106         4        100 SH              X   X      2          100

 DISNEY (WALT) COMPANY HOLDING CO     254687106        14        369 SH              X          3          369

 DISNEY (WALT) COMPANY HOLDING CO     254687106        23        600 SH              X   X      3          600

 DOMINION RES INC VA NEW              25746U109       127      2,966 SH              X          1        2,966

 DOMINION RES INC VA NEW              25746U109        77      1,803 SH              X   X      1        1,803

 DOMINION RES INC VA NEW              25746U109        12        274 SH              X          3          274

 DOVER CORP                           260003108       178      4,400 SH              X          1        4,400

 DOVER CORP                           260003108        24        600 SH              X   X      1          600

 DOVER CORP                           260003108        81      2,000 SH              X          3        2,000

 DOW CHEMICAL CO                      260543103       518     16,920 SH              X          1       16,920

 DOW CHEMICAL CO                      260543103       212      6,912 SH              X   X      1        6,912

 DOW CHEMICAL CO                      260543103        10        315 SH              X          2          315

 DOW CHEMICAL CO                      260543103         9        300 SH              X   X      2          300

 DOW CHEMICAL CO                      260543103        11        354 SH              X          3          354

 DUPONT E I DE NEMOURS & CO           263534109     6,098    138,733 SH              X          1      136,508                 2,225

 DUPONT E I DE NEMOURS & CO           263534109     1,809     41,155 SH              X   X      1       41,055         65         35

 DUPONT E I DE NEMOURS & CO           263534109       171      3,890 SH              X          2        3,890

 DUPONT E I DE NEMOURS & CO           263534109        23        520 SH              X   X      2          520

 DUPONT E I DE NEMOURS & CO           263534109       409      9,308 SH              X          3        9,308

 DUPONT E I DE NEMOURS & CO           263534109        55      1,250 SH              X   X      3        1,250

 DUKE ENERGY CORP                     264399106     2,397     42,235 SH              X          1       41,090                 1,145

                                               ----------
          PAGE TOTAL                               15,048

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   10
                                                                    AS OF 06/30/00
 - - - 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>
 DUKE ENERGY CORP                     264399106       392      6,901 SH              X   X      1        6,401        500

 DUKE ENERGY CORP                     264399106        54        955 SH              X          2          955

 DUKE ENERGY CORP                     264399106         3         50 SH              X   X      2           50

 DUKE ENERGY CORP                     264399106       301      5,302 SH              X          3        5,302

 EMC CORP                             268648102     5,515     71,629 SH              X          1       64,884                 6,745

 EMC CORP                             268648102       924     11,994 SH              X   X      1       11,784         50        160

 EMC CORP                             268648102       126      1,640 SH              X          2        1,640

 EMC CORP                             268648102         4         50 SH              X   X      2           50

 EMC CORP                             268648102       529      6,870 SH              X          3        6,870

 EASTMAN KODAK CO                     277461109       435      7,298 SH              X          1        7,298

 EASTMAN KODAK CO                     277461109       415      6,965 SH              X   X      1        4,465      2,500

 EASTMAN KODAK CO                     277461109        13        224 SH              X          2          224

 EASTMAN KODAK CO                     277461109        13        225 SH              X   X      2          225

 EASTMAN KODAK CO                     277461109        12        200 SH              X   X      3          200

 ELECTRONIC DATA SYSTEMS CORP         285661104       136      3,300 SH              X          1        3,300

 ELECTRONIC DATA SYSTEMS CORP         285661104       101      2,441 SH              X   X      1        2,441

 ELECTRONIC DATA SYSTEMS CORP         285661104         2         48 SH              X   X      2           48

 EMERSON ELECTRIC CO                  291011104       650     10,769 SH              X          1       10,769

 EMERSON ELECTRIC CO                  291011104       360      5,967 SH              X   X      1        5,867                   100

 EMERSON ELECTRIC CO                  291011104        78      1,300 SH              X          2        1,300

 EMERSON ELECTRIC CO                  291011104        17        280 SH              X          3          280

 ENRON CORP                           293561106     5,520     85,588 SH              X          1       83,913                 1,675

 ENRON CORP                           293561106     1,348     20,892 SH              X   X      1       19,272      1,575         45

 ENRON CORP                           293561106        71      1,100 SH              X          2        1,100

 ENRON CORP                           293561106         8        125 SH              X   X      2          125

                                               ----------
          PAGE TOTAL                               17,027

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   11
                                                                    AS OF 06/30/00
 - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 ENRON CORP                           293561106       710     11,009 SH              X          3       11,009

 EXXON MOBIL CORP                     30231G102    23,747    302,505 SH              X          1      296,043                 6,462

 EXXON MOBIL CORP                     30231G102     9,349    119,096 SH              X   X      1      118,991         60         45

 EXXON MOBIL CORP                     30231G102       689      8,776 SH              X          2        8,776

 EXXON MOBIL CORP                     30231G102        37        476 SH              X   X      2          476

 EXXON MOBIL CORP                     30231G102       714      9,091 SH              X          3        9,091

 EXXON MOBIL CORP                     30231G102        24        300 SH              X   X      3          300

 FPL GROUP                            302571104       805     16,197 SH              X          1       15,997                   200

 FPL GROUP                            302571104       261      5,255 SH              X   X      1        5,180                    75

 FANNIE MAE                           313586109     6,720    128,452 SH              X          1      126,217                 2,235

 FANNIE MAE                           313586109     1,728     33,029 SH              X   X      1       32,819         60        150

 FANNIE MAE                           313586109       108      2,070 SH              X          2        2,070

 FANNIE MAE                           313586109         5        100 SH              X   X      2          100

 FANNIE MAE                           313586109       422      8,068 SH              X          3        8,068


                                               ----------
          PAGE TOTAL                               45,319

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   12
                                                                    AS OF 06/30/00
 - - - 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>
 FIRST BRANDON NATIONAL BANK          319351102       109     10,000 SH              X          1       10,000

 FIRST BRANDON NATIONAL BANK          319351102     1,871    172,100 SH              X   X      1      172,100

 FIRST UNION CORP                     337358105       259     10,419 SH              X          1       10,419

 FIRST UNION CORP                     337358105        79      3,175 SH              X   X      1        3,175

 FLEETBOSTON FINANCIAL CORP           339030108       991     29,157 SH              X          1       28,957                   200

 FLEETBOSTON FINANCIAL CORP           339030108       193      5,673 SH              X   X      1        5,673

 FLEETBOSTON FINANCIAL CORP           339030108       166      4,879 SH              X          2        4,879

 FLEETBOSTON FINANCIAL CORP           339030108        18        534 SH              X   X      2          534

 FORD MOTOR CO                        345370100       580     13,485 SH              X          1       13,385                   100

 FORD MOTOR CO                        345370100       414      9,620 SH              X   X      1        9,620

 FORD MOTOR CO                        345370100        16        370 SH              X          2          370

 FORD MOTOR CO                        345370100        20        473 SH              X          3          473

 FORD MOTOR CO                        345370100        17        400 SH              X   X      3          400

 GTE CORP                             362320103     5,716     91,831 SH              X          1       89,911                 1,920

 GTE CORP                             362320103     2,446     39,286 SH              X   X      1       38,616        555        115

 GTE CORP                             362320103       113      1,818 SH              X          2        1,818

 GTE CORP                             362320103       106      1,695 SH              X   X      2        1,695

 GTE CORP                             362320103       459      7,367 SH              X          3        7,367

 GTE CORP                             362320103         9        150 SH              X   X      3          150

 GANNETT INC                          364730101     4,154     69,454 SH              X          1       38,954                30,500

 GANNETT INC                          364730101       285      4,761 SH              X   X      1        4,761

 GAP INC                              364760108       360     11,524 SH              X          1       11,187                   337

 GAP INC                              364760108        23        735 SH              X          3          735

 GENERAL ELECTRIC                     369604103    48,364    923,413 SH              X          1      909,358                14,055

                                               ----------
          PAGE TOTAL                               66,768

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   13
                                                                    AS OF 06/30/00
 - - - 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>
 GENERAL ELECTRIC                     369604103    14,639    279,507 SH              X   X      1      274,647      3,720      1,140

 GENERAL ELECTRIC                     369604103     1,612     30,786 SH              X          2       30,786

 GENERAL ELECTRIC                     369604103       648     12,365 SH              X   X      2       12,365

 GENERAL ELECTRIC                     369604103     1,190     22,720 SH              X          3       22,720

 GENERAL ELECTRIC                     369604103        63      1,200 SH              X   X      3        1,200

 GENERAL MILLS INC                    370334104       164      4,292 SH              X          1        4,292

 GENERAL MILLS INC                    370334104       113      2,950 SH              X   X      1        2,950

 GENERAL MILLS INC                    370334104        31        800 SH              X          2          800

 GENERAL MILLS INC                    370334104        15        400 SH              X   X      2          400

 GENERAL MOTORS CORP                  370442105       652     11,233 SH              X          1       11,233

 GENERAL MOTORS CORP                  370442105       209      3,597 SH              X   X      1        3,597

 GENERAL MOTORS CORP                  370442105        38        660 SH              X          2          660

 GENERAL MOTORS CORP                  370442105        26        440 SH              X   X      2          440

 GENERAL MOTORS CORP                  370442105        10        166 SH              X          3          166

 GEORGIA-PACIFIC GROUP                373298108       177      6,748 SH              X          1        6,748

 GEORGIA-PACIFIC GROUP                373298108        39      1,472 SH              X   X      1        1,472

 GILLETTE CO                          375766102       708     20,275 SH              X          1       15,875                 4,400

 GILLETTE CO                          375766102       319      9,119 SH              X   X      1        9,119

 GILLETTE CO                          375766102        36      1,024 SH              X          2        1,024

 GILLETTE CO                          375766102         1         35 SH              X   X      2           35

 GILLETTE CO                          375766102         7        200 SH              X          3          200

 HALLIBURTON CO                       406216101     2,864     60,695 SH              X          1       58,615                 2,080

 HALLIBURTON CO                       406216101       498     10,558 SH              X   X      1        9,648        860         50

 HALLIBURTON CO                       406216101        58      1,225 SH              X          2        1,225

 HALLIBURTON CO                       406216101         2         50 SH              X   X      2           50

                                               ----------
          PAGE TOTAL                               24,119

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   14
                                                                    AS OF 06/30/00
 - - - 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       386      8,174 SH              X          3        8,174

 HARLEY-DAVIDSON INC                  412822108     3,258     84,617 SH              X          1       82,912                 1,705

 HARLEY-DAVIDSON INC                  412822108       616     15,995 SH              X   X      1       14,395      1,400        200

 HARLEY-DAVIDSON INC                  412822108        54      1,390 SH              X          2        1,390

 HARLEY-DAVIDSON INC                  412822108         3         75 SH              X   X      2           75

 HARLEY-DAVIDSON INC                  412822108       315      8,194 SH              X          3        8,194

 HARLEY-DAVIDSON INC                  412822108         8        200 SH              X   X      3          200

 HEINZ H.J. CO                        423074103       324      7,417 SH              X          1        7,417

 HEINZ H.J. CO                        423074103       237      5,413 SH              X   X      1        5,413

 HERSHEY FOODS CORP                   427866108        19        400 SH              X          1          400

 HERSHEY FOODS CORP                   427866108       437      9,000 SH              X   X      1        1,800      7,200

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

 HEWLETT PACKARD CO                   428236103    10,558     84,551 SH              X          1       83,106                 1,445

 HEWLETT PACKARD CO                   428236103     2,922     23,402 SH              X   X      1       22,887        435         80

 HEWLETT PACKARD CO                   428236103        89        710 SH              X          2          710

 HEWLETT PACKARD CO                   428236103         9         75 SH              X   X      2           75

 HEWLETT PACKARD CO                   428236103       494      3,955 SH              X          3        3,955

 HEWLETT PACKARD CO                   428236103        12        100 SH              X   X      3          100

 HOME DEPOT INC                       437076102     8,212    164,438 SH              X          1      159,680                 4,758

 HOME DEPOT INC                       437076102     1,922     38,482 SH              X   X      1       37,767        100        615

 HOME DEPOT INC                       437076102       183      3,674 SH              X          2        3,674

 HOME DEPOT INC                       437076102        64      1,272 SH              X   X      2        1,272

 HOME DEPOT INC                       437076102       748     14,974 SH              X          3       14,974

 HOME DEPOT INC                       437076102        49        975 SH              X   X      3          975

 HONEYWELL INTL INC                   438516106       174      5,156 SH              X          1        5,156

                                               ----------
          PAGE TOTAL                               31,151

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   15
                                                                    AS OF 06/30/00
 - - - 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       188      5,576 SH              X   X      1        5,326                   250

 HONEYWELL INTL INC                   438516106        29        870 SH              X          2          870

 HONEYWELL INTL INC                   438516106        39      1,171 SH              X          3        1,171

 ILLINOIS TOOL WORKS                  452308109       718     12,592 SH              X          1       12,542                    50

 ILLINOIS TOOL WORKS                  452308109       311      5,452 SH              X   X      1        5,452

 INTEL CORP                           458140100    22,224    166,241 SH              X          1      160,196                 6,045

 INTEL CORP                           458140100     7,182     53,721 SH              X   X      1       51,966        865        890

 INTEL CORP                           458140100       193      1,445 SH              X          2        1,445

 INTEL CORP                           458140100        13        100 SH              X   X      2          100

 INTEL CORP                           458140100     1,203      8,995 SH              X          3        8,995

 INTERNATIONAL BUSINESS MACHINES      459200101    10,214     93,229 SH              X          1       92,024                 1,205

 INTERNATIONAL BUSINESS MACHINES      459200101     3,386     30,907 SH              X   X      1       23,437      7,440         30

 INTERNATIONAL BUSINESS MACHINES      459200101       187      1,703 SH              X          2        1,703

 INTERNATIONAL BUSINESS MACHINES      459200101         3         25 SH              X   X      2           25

 INTERNATIONAL BUSINESS MACHINES      459200101       449      4,100 SH              X          3        4,100

 INTERNATIONAL PAPER CO               460146103       117      3,941 SH              X          1        3,050                   891

 INTERNATIONAL PAPER CO               460146103       103      3,451 SH              X   X      1        3,451

 JOHNSON & JOHNSON INC                478160104    11,500    112,887 SH              X          1      112,022                   865

 JOHNSON & JOHNSON INC                478160104     5,544     54,417 SH              X   X      1       37,583     16,614        220

 JOHNSON & JOHNSON INC                478160104       298      2,930 SH              X          2        2,930

 JOHNSON & JOHNSON INC                478160104         8         75 SH              X   X      2           75

 JOHNSON & JOHNSON INC                478160104       620      6,081 SH              X          3        6,081

 JOHNSON & JOHNSON INC                478160104        17        170 SH              X   X      3          170

                                               ----------
          PAGE TOTAL                               67,649

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   16
                                                                    AS OF 06/30/00
 - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 KIMBERLY CLARK CORP                  494368103       415      7,234 SH              X          1        7,204                    30

 KIMBERLY CLARK CORP                  494368103       228      3,978 SH              X   X      1        3,898                    80

 KIMBERLY CLARK CORP                  494368103        38        654 SH              X   X      2          654

 KIMBERLY CLARK CORP                  494368103        10        180 SH              X          3          180

 LILLY ELI & CO                       532457108     1,087     10,880 SH              X          1       10,880

 LILLY ELI & CO                       532457108       799      7,995 SH              X   X      1        7,995

 LUCENT TECHNOLOGIES INC              549463107     9,601    163,422 SH              X          1      157,368                 6,054

 LUCENT TECHNOLOGIES INC              549463107     2,717     46,250 SH              X   X      1       46,015         70        165

 LUCENT TECHNOLOGIES INC              549463107       356      6,064 SH              X          2        6,064

 LUCENT TECHNOLOGIES INC              549463107        62      1,063 SH              X   X      2        1,063

 LUCENT TECHNOLOGIES INC              549463107       640     10,896 SH              X          3       10,896

 LUCENT TECHNOLOGIES INC              549463107        89      1,507 SH              X   X      3        1,507

 MBIA INC                             55262C100       246      5,115 SH              X          1        4,515                   600

 MBIA INC                             55262C100        73      1,520 SH              X   X      1        1,520

 MBNA CORP                            55262L100     2,077     76,556 SH              X          1       74,571                 1,985

 MBNA CORP                            55262L100       400     14,735 SH              X   X      1       14,735

 MBNA CORP                            55262L100        62      2,280 SH              X          2        2,280

 MBNA CORP                            55262L100         3        100 SH              X   X      2          100

 MBNA CORP                            55262L100       303     11,155 SH              X          3       11,155

 MARSHALL & ILSLEY CORP               571834100       693     16,700 SH              X          1       16,700

 MARRIOTT INTERNATIONAL CL A          571903202       727     20,160 SH              X          1       20,160

 MARRIOTT INTERNATIONAL CL A          571903202        32        900 SH              X   X      1          900

 MAY DEPARTMENT STORES                577778103       303     12,605 SH              X          1       12,455                   150

 MAY DEPARTMENT STORES                577778103       159      6,614 SH              X   X      1        6,614

 MAY DEPARTMENT STORES                577778103        17        703 SH              X          2          703

                                               ----------
          PAGE TOTAL                               21,137

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   17
                                                                    AS OF 06/30/00
 - - - 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>
 MCDONALDS CORP                       580135101       861     26,134 SH              X          1       26,134

 MCDONALDS CORP                       580135101       135      4,100 SH              X   X      1        3,900                   200

 MCDONALDS CORP                       580135101         8        230 SH              X          2          230

 MCDONALDS CORP                       580135101        79      2,400 SH              X          3        2,400

 MCGRAW HILL COMPANIES INC            580645109       394      7,300 SH              X          1        7,300

 MCGRAW HILL COMPANIES INC            580645109       265      4,900 SH              X   X      1        4,900

 MCGRAW HILL COMPANIES INC            580645109        43        800 SH              X          2          800

 MEDIAONE GROUP INC                   58440J104       435      6,532 SH              X          1        6,532

 MEDIAONE GROUP INC                   58440J104       534      8,017 SH              X   X      1        8,017

 MEDIAONE GROUP INC                   58440J104        32        484 SH              X          2          484

 MEDIAONE GROUP INC                   58440J104         2         36 SH              X          3           36

 MEDTRONIC INC                        585055106     4,217     84,649 SH              X          1       80,529                 4,120

 MEDTRONIC INC                        585055106       976     19,598 SH              X   X      1       18,673        875         50

 MEDTRONIC INC                        585055106        53      1,065 SH              X          2        1,065

 MEDTRONIC INC                        585055106         4         75 SH              X   X      2           75

 MEDTRONIC INC                        585055106       439      8,805 SH              X          3        8,805

 MEDTRONIC INC                        585055106        10        200 SH              X   X      3          200

 MERCHANTS BANCSHARES INC             588448100       179      9,068 SH              X          1        9,068

 MERCHANTS BANCSHARES INC             588448100       346     17,520 SH              X   X      1       17,520

 MERCK & CO INC                       589331107    10,965    143,103 SH              X          1      137,058                 6,045

 MERCK & CO INC                       589331107     3,956     51,632 SH              X   X      1       35,841     14,306      1,485

 MERCK & CO INC                       589331107       335      4,375 SH              X          2        4,375

 MERCK & CO INC                       589331107         6         75 SH              X   X      2           75

 MERCK & CO INC                       589331107       369      4,818 SH              X          3        4,818

 MERCK & CO INC                       589331107        38        500 SH              X   X      3          500

                                               ----------
          PAGE TOTAL                               24,681

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   18
                                                                    AS OF 06/30/00
 - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 MERRILL LYNCH & CO., INC.            590188108     4,097     35,628 SH              X          1       34,818                   810

 MERRILL LYNCH & CO., INC.            590188108       726      6,312 SH              X   X      1        6,247         35         30

 MERRILL LYNCH & CO., INC.            590188108        84        730 SH              X          2          730

 MERRILL LYNCH & CO., INC.            590188108         3         25 SH              X   X      2           25

 MERRILL LYNCH & CO., INC.            590188108       406      3,533 SH              X          3        3,533

 MICROSOFT CORP                       594918104     9,874    123,431 SH              X          1      117,241                 6,190

 MICROSOFT CORP                       594918104     2,045     25,563 SH              X   X      1       24,098      1,040        425

 MICROSOFT CORP                       594918104        85      1,060 SH              X          2        1,060

 MICROSOFT CORP                       594918104         2         20 SH              X   X      2           20

 MICROSOFT CORP                       594918104       350      4,380 SH              X          3        4,380

 MICROSOFT CORP                       594918104        16        200 SH              X   X      3          200

 MINNESOTA MINING & MFG CO            604059105     2,030     24,552 SH              X          1       24,552

 MINNESOTA MINING & MFG CO            604059105     1,002     12,122 SH              X   X      1        8,922      3,200

 MORGAN, J P & CO                     616880100     1,180     10,716 SH              X          1       10,716

 MORGAN, J P & CO                     616880100     1,246     11,317 SH              X   X      1        7,817      3,500

 MORGAN, J P & CO                     616880100        72        650 SH              X          2          650

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

 MORGAN, J P & CO                     616880100        44        400 SH              X          3          400

 MOTOROLA INC                         620076109       227      7,579 SH              X          1        7,579

 MOTOROLA INC                         620076109        78      2,610 SH              X   X      1        2,460                   150

 MOTOROLA INC                         620076109        67      2,220 SH              X          2        2,220

 NOKIA CORP SPONSORED ADR             654902204       139      2,780 SH              X          1        2,580                   200

 NOKIA CORP SPONSORED ADR             654902204        60      1,200 SH              X   X      1          400                   800

 NOKIA CORP SPONSORED ADR             654902204       275      5,490 SH              X          2        5,490

 NORFOLK SOUTHERN CORP                655844108       261     17,567 SH              X          1       13,703                 3,864

                                               ----------
          PAGE TOTAL                               24,375

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   19
                                                                    AS OF 06/30/00
 - - - 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>
 NORFOLK SOUTHERN CORP                655844108        50      3,364 SH              X   X      1        3,364

 NORFOLK SOUTHERN CORP                655844108         4        270 SH              X   X      2          270

 ORACLE CORPORATION                   68389X105     6,585     78,334 SH              X          1       75,589                 2,745

 ORACLE CORPORATION                   68389X105     1,794     21,339 SH              X   X      1       21,289                    50

 ORACLE CORPORATION                   68389X105        79        935 SH              X          2          935

 ORACLE CORPORATION                   68389X105         4         50 SH              X   X      2           50

 ORACLE CORPORATION                   68389X105       798      9,487 SH              X          3        9,487

 ORACLE CORPORATION                   68389X105        28        336 SH              X   X      3          336

 PPG INDUSTRIES INC                   693506107       387      8,735 SH              X          1        8,735

 PPG INDUSTRIES INC                   693506107       312      7,043 SH              X   X      1        6,943                   100

 PPG INDUSTRIES INC                   693506107        13        300 SH              X          2          300

                                               ----------
          PAGE TOTAL                               10,054

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   20
                                                                    AS OF 06/30/00
 - - - 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>
 PEPSICO INC                          713448108     6,681    150,335 SH              X          1      146,605                 3,730

 PEPSICO INC                          713448108     1,894     42,630 SH              X   X      1       40,475         85      2,070

 PEPSICO INC                          713448108       109      2,455 SH              X          2        2,455

 PEPSICO INC                          713448108         4        100 SH              X   X      2          100

 PEPSICO INC                          713448108       412      9,263 SH              X          3        9,263

 PEPSICO INC                          713448108        13        295 SH              X   X      3          295

 PFIZER INC                           717081103     9,479    197,475 SH              X          1      194,700                 2,775

 PFIZER INC                           717081103     5,995    124,896 SH              X   X      1      119,378      1,075      4,443

 PFIZER INC                           717081103       579     12,065 SH              X          2       12,065

 PFIZER INC                           717081103         4         75 SH              X   X      2           75

 PFIZER INC                           717081103       772     16,081 SH              X          3       16,081

 PHARMACIA CORPORATION                71713U102       330      6,390 SH              X          1        6,390

 PHARMACIA CORPORATION                71713U102       760     14,700 SH              X   X      1       14,700

 PHARMACIA CORPORATION                71713U102        12        238 SH              X   X      2          238

 PHILIP MORRIS COMPANIES INC          718154107       453     17,068 SH              X          1       16,968                   100

 PHILIP MORRIS COMPANIES INC          718154107       123      4,649 SH              X   X      1        4,649

 PHILIP MORRIS COMPANIES INC          718154107        16        600 SH              X          2          600

 PHILIP MORRIS COMPANIES INC          718154107       239      9,000 SH              X          3        9,000

 PRAXAIR INC                          74005P104     2,841     75,888 SH              X          1       73,673                 2,215

 PRAXAIR INC                          74005P104       385     10,281 SH              X   X      1        9,551        670         60

 PRAXAIR INC                          74005P104        65      1,730 SH              X          2        1,730

 PRAXAIR INC                          74005P104         4        100 SH              X   X      2          100

 PRAXAIR INC                          74005P104       372      9,926 SH              X          3        9,926

 PRAXAIR INC                          74005P104         3         75 SH              X   X      3           75

 PROCTER & GAMBLE CO                  742718109     4,360     76,160 SH              X          1       74,145                 2,015

                                               ----------
          PAGE TOTAL                               35,905

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   21
                                                                    AS OF 06/30/00
 - - - 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       901     15,741 SH              X   X      1       14,456      1,250         35

 PROCTER & GAMBLE CO                  742718109       127      2,220 SH              X          2        2,220

 PROCTER & GAMBLE CO                  742718109         3         50 SH              X   X      2           50

 PROCTER & GAMBLE CO                  742718109       278      4,858 SH              X          3        4,858

 PROCTER & GAMBLE CO                  742718109        27        464 SH              X   X      3          464

 QUAKER OATS CO                       747402105       250      3,323 SH              X          1        3,323

 ROYAL DUTCH PETROLEUM NY REG SH      780257804     1,811     29,422 SH              X          1       29,422
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804       846     13,744 SH              X   X      1       13,644                   100
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804        31        500 SH              X          2          500
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804        74      1,200 SH              X          3        1,200
 PAR N GLDR 1.25
 SBC COMMUNICATIONS INC               78387G103     4,205     97,234 SH              X          1       93,956                 3,278

 SBC COMMUNICATIONS INC               78387G103     2,568     59,380 SH              X   X      1       59,305                    75

 SBC COMMUNICATIONS INC               78387G103       243      5,610 SH              X          2        5,610

 SBC COMMUNICATIONS INC               78387G103        38        882 SH              X          3          882

 SAFEWAY INC                          786514208       229      5,070 SH              X          1        5,070

 SARA LEE CORP                        803111103       593     30,930 SH              X          1       30,730                   200

 SARA LEE CORP                        803111103       238     12,397 SH              X   X      1       12,397

 SARA LEE CORP                        803111103        19      1,000 SH              X          2        1,000

 SCHERING-PLOUGH CORP                 806605101     5,845    115,738 SH              X          1      114,033                 1,705

 SCHERING-PLOUGH CORP                 806605101       839     16,620 SH              X   X      1       15,495      1,075         50

 SCHERING-PLOUGH CORP                 806605101       114      2,267 SH              X          2        2,267

 SCHERING-PLOUGH CORP                 806605101         4         75 SH              X   X      2           75

 SCHERING-PLOUGH CORP                 806605101       450      8,919 SH              X          3        8,919

 SCHLUMBERGER LTD                     806857108     3,292     44,110 SH              X          1       43,170                   940

 SCHLUMBERGER LTD                     806857108       737      9,874 SH              X   X      1        9,209        535        130

                                               ----------
          PAGE TOTAL                               23,762

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   22
                                                                    AS OF 06/30/00
 - - - 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        66        885 SH              X          2          885

 SCHLUMBERGER LTD                     806857108         4         50 SH              X   X      2           50

 SCHLUMBERGER LTD                     806857108       421      5,635 SH              X          3        5,635

 SCHLUMBERGER LTD                     806857108        25        335 SH              X   X      3          335

 SMITHKLINE BEECHAM P.L.C. ADR        832378301       586      8,988 SH              X          1        8,988
 REPSTG ORD A
 SMITHKLINE BEECHAM P.L.C. ADR        832378301       232      3,559 SH              X   X      1        3,559
 REPSTG ORD A
 SMITHKLINE BEECHAM P.L.C. ADR        832378301        26        400 SH              X          2          400
 REPSTG ORD A
 SOLECTRON CORP                       834182107     4,551    108,671 SH              X          1      101,791                 6,880

 SOLECTRON CORP                       834182107       865     20,645 SH              X   X      1       17,645      3,000

 SOLECTRON CORP                       834182107        63      1,495 SH              X          2        1,495

 SOLECTRON CORP                       834182107         4        100 SH              X   X      2          100

 SOLECTRON CORP                       834182107       437     10,433 SH              X          3       10,433

 SOUTHERN CO                          842587107        52      2,220 SH              X          1        2,220

 SOUTHERN CO                          842587107       124      5,300 SH              X   X      1        5,300

 SOUTHERN CO                          842587107        28      1,200 SH              X          3        1,200

 SPRINT CORP                          852061100        62      1,224 SH              X          1        1,224

 SPRINT CORP                          852061100       402      7,887 SH              X   X      1        7,887

 SPRINT CORP                          852061100        31        600 SH              X          2          600

 SPRINT CORP                          852061100        21        408 SH              X          3          408

 SPRINT CORP PCS GROUP                852061506        45        760 SH              X          1          760

 SPRINT CORP PCS GROUP                852061506       212      3,564 SH              X   X      1        3,564

 SPRINT CORP PCS GROUP                852061506        27        450 SH              X          2          450

 STAPLES INCORPORATED                 855030102     2,359    153,439 SH              X          1      150,466                 2,973
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102       368     23,926 SH              X   X      1       23,926
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102        51      3,320 SH              X          2        3,320
 (RETAIL & DELIVERY)
                                               ----------
          PAGE TOTAL                               11,062

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   23
                                                                    AS OF 06/30/00
 - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 STAPLES INCORPORATED                 855030102         5        325 SH              X   X      2          325
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102       264     17,140 SH              X          3       17,140
 (RETAIL & DELIVERY)
 STATE STREET CORP                    857477103     4,985     47,002 SH              X          1       46,062                   940

 STATE STREET CORP                    857477103       818      7,716 SH              X   X      1        7,038         35        643

 STATE STREET CORP                    857477103        98        920 SH              X          2          920

 STATE STREET CORP                    857477103         5         50 SH              X   X      2           50

 STATE STREET CORP                    857477103       413      3,890 SH              X          3        3,890

 SUN MICROSYSTEMS INC                 866810104     4,596     50,541 SH              X          1       49,216                 1,325

 SUN MICROSYSTEMS INC                 866810104       740      8,140 SH              X   X      1        8,020         40         80

 SUN MICROSYSTEMS INC                 866810104       134      1,470 SH              X          2        1,470

 SUN MICROSYSTEMS INC                 866810104         9        100 SH              X   X      2          100

 SUN MICROSYSTEMS INC                 866810104       592      6,515 SH              X          3        6,515

 SYSCO CORP                           871829107     4,261    101,145 SH              X          1       98,880                 2,265

 SYSCO CORP                           871829107       593     14,080 SH              X   X      1       12,580      1,500

 SYSCO CORP                           871829107        58      1,380 SH              X          2        1,380

 SYSCO CORP                           871829107         3         75 SH              X   X      2           75

 SYSCO CORP                           871829107       367      8,723 SH              X          3        8,723

 TECO ENERGY INC                      872375100       114      5,675 SH              X          1        5,675

 TECO ENERGY INC                      872375100       265     13,204 SH              X   X      1       13,204

 TECO ENERGY INC                      872375100         6        300 SH              X          2          300

 TRW INC                              872649108        35        800 SH              X          1          800

 TRW INC                              872649108       146      3,360 SH              X   X      1        3,360

 TRW INC                              872649108        40        928 SH              X          2          928

 TARGET CORP                          87612E106     3,432     59,165 SH              X          1       57,800                 1,365

 TARGET CORP                          87612E106       446      7,690 SH              X   X      1        7,605         50         35

                                               ----------
          PAGE TOTAL                               22,425

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   24
                                                                    AS OF 06/30/00
 - - - 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>
 TARGET CORP                          87612E106        65      1,125 SH              X          2        1,125

 TARGET CORP                          87612E106         4         75 SH              X   X      2           75

 TARGET CORP                          87612E106       373      6,435 SH              X          3        6,435

 TELLABS                              879664100       315      4,600 SH              X          1        4,600

 TELLABS                              879664100        15        225 SH              X   X      1          225

 TEXACO INC                           881694103       677     12,696 SH              X          1       12,018                   678

 TEXACO INC                           881694103       204      3,821 SH              X   X      1        3,821

 TEXACO INC                           881694103         1         15 SH              X          2           15

 TEXACO INC                           881694103         1         19 SH              X   X      2           19

 TEXACO INC                           881694103        11        200 SH              X          3          200

 TEXAS INSTRUMENTS                    882508104       336      4,890 SH              X          1        4,890

 TEXAS INSTRUMENTS                    882508104        23        335 SH              X   X      1          335

 TIME WARNER INC                      887315109       951     12,512 SH              X          1       12,512

 TIME WARNER INC                      887315109        99      1,300 SH              X   X      1        1,300

 TIME WARNER INC                      887315109        16        210 SH              X          3          210

 TYCO INTERNATIONAL LTD NEW           902124106     5,747    121,302 SH              X          1      117,512                 3,790

 TYCO INTERNATIONAL LTD NEW           902124106     1,501     31,687 SH              X   X      1       31,467        100        120

 TYCO INTERNATIONAL LTD NEW           902124106       107      2,255 SH              X          2        2,255

 TYCO INTERNATIONAL LTD NEW           902124106         8        165 SH              X   X      2          165

 TYCO INTERNATIONAL LTD NEW           902124106       580     12,250 SH              X          3       12,250

 UNILEVER N V                         904784709       535     12,443 SH              X          1       12,443
 NEW YORK SHS N
 UNILEVER N V                         904784709       164      3,819 SH              X   X      1        3,819
 NEW YORK SHS N
 UNION BANKSHARES INC                 905400107       219     14,700 SH              X          1       14,700

 UNION CARBIDE CORP                   905581104       226      4,575 SH              X          1        4,575

 UNION CARBIDE CORP                   905581104        32        650 SH              X   X      1          650

                                               ----------
          PAGE TOTAL                               12,210

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   25
                                                                    AS OF 06/30/00
 - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 UNION PACIFIC CORP                   907818108       263      7,016 SH              X          1        7,016

 UNION PACIFIC CORP                   907818108       187      4,975 SH              X   X      1        1,775        800      2,400

 UNITED PARCEL SERVICE CL A **        911312304    15,226    258,062 SH              X   X      1      258,062

 US WEST INC NEW                      91273H101       956     11,147 SH              X          1       11,147

 US WEST INC NEW                      91273H101     1,296     15,117 SH              X   X      1       15,117

 US WEST INC NEW                      91273H101        42        495 SH              X          2          495

 UNITED TECHNOLOGIES CORP             913017109     3,310     56,222 SH              X          1       55,247                   975

 UNITED TECHNOLOGIES CORP             913017109       704     11,957 SH              X   X      1       11,862         50         45

 UNITED TECHNOLOGIES CORP             913017109       123      2,085 SH              X          2        2,085

 UNITED TECHNOLOGIES CORP             913017109        28        470 SH              X   X      2          470

 UNITED TECHNOLOGIES CORP             913017109       348      5,915 SH              X          3        5,915

 UNITEDHEALTH GROUP INC               91324P102       144      1,685 SH              X          1        1,520                   165

 UNITEDHEALTH GROUP INC               91324P102       118      1,375 SH              X   X      1        1,275                   100

 VERIZON COMMUNICATIONS               92343V104     3,318     65,139 SH              X          1       61,649                 3,490

                                               ----------
          PAGE TOTAL                               26,063

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   26
                                                                    AS OF 06/30/00
 - - - 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>
 VERIZON COMMUNICATIONS               92343V104     1,730     33,959 SH              X   X      1       33,959

 VERIZON COMMUNICATIONS               92343V104       118      2,308 SH              X          2        2,308

 VERIZON COMMUNICATIONS               92343V104        27        524 SH              X   X      2          524

 VERIZON COMMUNICATIONS               92343V104        42        815 SH              X          3          815

 VERIZON COMMUNICATIONS               92343V104       166      3,256 SH              X   X      3        3,256

 VODAFONE AIRTOUCH PLC                92857T107       434     10,384 SH              X          1        9,384                 1,000
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107       162      3,870 SH              X   X      1        3,870
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107        75      1,795 SH              X          2        1,795
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107         4         90 SH              X          3           90
 ADR SPONSORED
 WACHOVIA CORP NEW                    929771103       287      5,290 SH              X          1        5,290

 WACHOVIA CORP NEW                    929771103        43        800 SH              X   X      1          800

 WAL-MART STORES                      931142103     4,517     79,166 SH              X          1       77,456                 1,710

 WAL-MART STORES                      931142103       863     15,123 SH              X   X      1       14,983         85         55

 WAL-MART STORES                      931142103       115      2,015 SH              X          2        2,015

 WAL-MART STORES                      931142103         6        100 SH              X   X      2          100

 WAL-MART STORES                      931142103       641     11,237 SH              X          3       11,237

 WALGREEN CO                          931422109       977     30,400 SH              X          1       30,000                   400

 WALGREEN CO                          931422109       517     16,090 SH              X   X      1       15,690        400

 WALGREEN CO                          931422109         6        200 SH              X          2          200

 WALGREEN CO                          931422109         5        150 SH              X   X      2          150

 WALGREEN CO                          931422109       125      3,880 SH              X          3        3,880

 WELLS FARGO & CO NEW                 949746101     3,107     79,149 SH              X          1       76,519                 2,630

 WELLS FARGO & CO NEW                 949746101       717     18,259 SH              X   X      1       18,039         65        155

 WELLS FARGO & CO NEW                 949746101        88      2,240 SH              X          2        2,240

 WELLS FARGO & CO NEW                 949746101         3         75 SH              X   X      2           75

                                               ----------
          PAGE TOTAL                               14,775

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        07/10/00           PAGE   27
                                                                    AS OF 06/30/00
 - - - COLUMN 1 AND 2 - - - - - - COLUMN 3 -  COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - -  - -
                                                                                 INVESTMENT
                                                   MARKET                        DISCRETION                    VOTING AUTHORITY
                                                   VALUE    SHS OR   SH/ PUT/  SOLE SHR OTHER             SOLE      SHARED     NONE
      ISSUER AND TITLE OF CLASS          CUSIP   (X$1000)   PRN AMT  PRN CALL   (A) (B) (C)  MANAGERS      (A)        (B)       (C)
 <C>                                  <C>        <C>        <C>                <C>           <C>     <C>
 WELLS FARGO & CO NEW                 949746101       537     13,691 SH              X          3       13,691

 WILLIAMS CO INC                      969457100       288      6,900 SH              X          1        6,900

 WILLIAMS CO INC                      969457100       200      4,800 SH              X   X      1          800                 4,000

 WILLIAMS CO INC                      969457100        33        800 SH              X          3          800

 WORLDCOM INC GA NEW                  98157D106     5,504    119,986 SH              X          1      116,557                 3,429

 WORLDCOM INC GA NEW                  98157D106     1,093     23,836 SH              X   X      1       23,546        115        175

 WORLDCOM INC GA NEW                  98157D106        93      2,025 SH              X          2        2,025

 WORLDCOM INC GA NEW                  98157D106         5        100 SH              X   X      2          100

 WORLDCOM INC GA NEW                  98157D106       693     15,105 SH              X          3       15,105

 XEROX CORP                           984121103        74      3,645 SH              X          1        3,645

 XEROX CORP                           984121103       129      6,335 SH              X   X      1        6,335

                                               ----------
          PAGE TOTAL                                8,649
         FINAL TOTALS                             695,145
</TABLE>


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