CHITTENDEN TRUST CO/VT
13F-HR, 2000-04-18
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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 03/31/00

 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        04/06/00           PAGE    1
                                                                    AS OF 03/31/00
 - - - 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>
 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

 SOPHUS BERENDSEN A/S DKK 20.0        K49759119       234     12,730 SH              X   X      1       12,730

 RATIN A/S DKK 1.0                    K8048L108       480      4,569 SH              X   X      1        4,569

 RATIN A/S DKK 1.0                    K8048L116     1,431     12,730 SH              X   X      1       12,730

 A T & T CORP                         001957109     1,265     22,464 SH              X          1       21,189                 1,275

 A T & T CORP                         001957109       322      5,715 SH              X   X      1        5,715

 A T & T CORP                         001957109       159      2,823 SH              X          2        2,823

 A T & T CORP                         001957109        49        867 SH              X   X      2          867

 A T & T CORP                         001957109       148      2,620 SH              X          3        2,620

 ABBOTT LABS                          002824100       523     14,861 SH              X          1       14,861

 ABBOTT LABS                          002824100       141      4,014 SH              X   X      1        4,014

 ABBOTT LABS                          002824100       100      2,850 SH              X          2        2,850

 ABBOTT LABS                          002824100       134      3,800 SH              X          3        3,800

 AMERICA ONLINE                       02364J104     2,214     32,825 SH              X          1       31,735                 1,090

 AMERICA ONLINE                       02364J104       292      4,335 SH              X   X      1        4,280         20         35

 AMERICA ONLINE                       02364J104        68      1,003 SH              X          2        1,003

 AMERICA ONLINE                       02364J104         1         15 SH              X   X      2           15

 AMERICA ONLINE                       02364J104       314      4,652 SH              X          3        4,652

 AMERICAN EXPRESS CO                  025816109     1,213      8,146 SH              X          1        8,146

 AMERICAN EXPRESS CO                  025816109        22        150 SH              X   X      1          150

 AMERICAN EXPRESS CO                  025816109        45        300 SH              X   X      3          300

 AMERICAN HOME PRODUCTS CORP          026609107     2,115     39,351 SH              X          1       35,351                 4,000

 AMERICAN HOME PRODUCTS CORP          026609107     1,001     18,630 SH              X   X      1       18,630

                                               ----------
          PAGE TOTAL                               14,811

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE    2
                                                                    AS OF 03/31/00
 - - - 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>
 AMERICAN HOME PRODUCTS CORP          026609107       127      2,370 SH              X          2        2,370

 AMERICAN HOME PRODUCTS CORP          026609107        22        400 SH              X   X      2          400

 AMERICAN HOME PRODUCTS CORP          026609107        51        958 SH              X          3          958

 AMERICAN HOME PRODUCTS CORP          026609107         5        100 SH              X   X      3          100

 AMERN INTL GROUP INC                 026874107     9,898     90,391 SH              X          1       87,670                 2,721

 AMERN INTL GROUP INC                 026874107     1,836     16,768 SH              X   X      1       14,388      2,345         35

 AMERN INTL GROUP INC                 026874107       161      1,473 SH              X          2        1,473

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

 AMERN INTL GROUP INC                 026874107       988      9,026 SH              X          3        9,026

 AMGEN INC                            031162100     2,825     46,023 SH              X          1       45,248                   775

 AMGEN INC                            031162100       507      8,265 SH              X   X      1        8,265

 AMGEN INC                            031162100        28        450 SH              X          2          450

 AMGEN INC                            031162100       254      4,136 SH              X          3        4,136

 ANALOG DEVICES INC                   032654105     1,410     17,520 SH              X   X      1       17,520

 APPLIED MATERIALS                    038222105     2,467     26,180 SH              X          1       25,380                   800

 APPLIED MATERIALS                    038222105       318      3,370 SH              X   X      1        3,370

 APPLIED MATERIALS                    038222105        64        675 SH              X          2          675

 APPLIED MATERIALS                    038222105        19        200 SH              X   X      2          200

 APPLIED MATERIALS                    038222105       358      3,803 SH              X          3        3,803

 ARCHER DANIELS MIDLAND CO            039483102       116     11,275 SH              X          1       11,275

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

 ASSOCIATES FIRST CAPITAL CORP        046008108     1,869     87,434 SH              X          1       84,804                 2,630

 ASSOCIATES FIRST CAPITAL CORP        046008108       258     12,090 SH              X   X      1       11,915         85         90

 ASSOCIATES FIRST CAPITAL CORP        046008108        54      2,545 SH              X          2        2,545

 ASSOCIATES FIRST CAPITAL CORP        046008108       295     13,792 SH              X          3       13,792

                                               ----------
          PAGE TOTAL                               23,963

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE    3
                                                                    AS OF 03/31/00
 - - - 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>
 ATLANTIC RICHFIELD CO                048825103       583      6,862 SH              X          1        5,562                 1,300

 ATLANTIC RICHFIELD CO                048825103       155      1,824 SH              X   X      1        1,424        400

 ATLANTIC RICHFIELD CO                048825103        43        500 SH              X          3          500

 AUTOMATIC DATA PROCESSING            053015103     3,511     72,766 SH              X          1       71,211                 1,555

 AUTOMATIC DATA PROCESSING            053015103       669     13,860 SH              X   X      1       12,945        865         50

 AUTOMATIC DATA PROCESSING            053015103       142      2,940 SH              X          2        2,940

 AUTOMATIC DATA PROCESSING            053015103        10        200 SH              X   X      2          200

 AUTOMATIC DATA PROCESSING            053015103       503     10,434 SH              X          3       10,434

 AUTOMATIC DATA PROCESSING            053015103        10        200 SH              X   X      3          200

 BP AMOCO PLC SPONSORED ADR           055622104     1,274     23,924 SH              X          1       23,264                   660

 BP AMOCO PLC SPONSORED ADR           055622104       268      5,028 SH              X   X      1        5,028

 BP AMOCO PLC SPONSORED ADR           055622104        11        198 SH              X   X      2          198

 BP AMOCO PLC SPONSORED ADR           055622104        13        250 SH              X          3          250

 BANKNORTH GROUP INC                  06646L100       162      6,047 SH              X          1        5,469                   578

 BANKNORTH GROUP INC                  06646L100       142      5,284 SH              X   X      1        2,654      2,630

 BELL ATLANTIC CORP                   077853109     1,917     31,370 SH              X          1       28,608                 2,762

 BELL ATLANTIC CORP                   077853109       507      8,292 SH              X   X      1        8,292

 BELL ATLANTIC CORP                   077853109        98      1,610 SH              X          2        1,610

 BELL ATLANTIC CORP                   077853109        32        524 SH              X   X      2          524

 BELL ATLANTIC CORP                   077853109        50        815 SH              X          3          815

 BELLSOUTH CORP                       079860102     3,818     81,441 SH              X          1       76,941                 4,500

 BELLSOUTH CORP                       079860102       902     19,236 SH              X   X      1       19,236

 BELLSOUTH CORP                       079860102       307      6,553 SH              X          2        6,553

 BELLSOUTH CORP                       079860102        29        609 SH              X   X      2          609

 BELLSOUTH CORP                       079860102        92      1,960 SH              X          3        1,960

                                               ----------
          PAGE TOTAL                               15,248

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE    4
                                                                    AS OF 03/31/00
 - - - 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>
 BERKSHIRE HATHAWAY                   084670108       229          4 SH              X          1            4

 BERKSHIRE HATHAWAY CLASS B           084670207       175         96 SH              X          1           96

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

 BERKSHIRE HATHAWAY CLASS B           084670207        27         15 SH              X          3           15

 BESTFOODS                            08658U101     2,311     49,367 SH              X          1       46,847                 2,520

 BESTFOODS                            08658U101       570     12,180 SH              X   X      1       11,475        655         50

 BESTFOODS                            08658U101        69      1,473 SH              X          2        1,473

 BESTFOODS                            08658U101         6        125 SH              X   X      2          125

 BESTFOODS                            08658U101       331      7,062 SH              X          3        7,062

 BOEING CO                            097023105         1         30 SH              X          1           30

 BOEING CO                            097023105       741     19,596 SH              X   X      1        4,468                15,128

 BOEING CO                            097023105        68      1,808 SH              X          2        1,808

 BOEING CO                            097023105         3         75 SH              X   X      2           75

 BOEING CO                            097023105        14        362 SH              X          3          362

 BRADFORD OIL COMPANY INC CL B        104320X19       220    121,027 SH              X          1      121,027

 BRISTOL MYERS SQUIBB CO              110122108     4,911     84,679 SH              X          1       82,659                 2,020

 BRISTOL MYERS SQUIBB CO              110122108     1,634     28,164 SH              X   X      1       26,074         50      2,040

 BRISTOL MYERS SQUIBB CO              110122108       175      3,010 SH              X          2        3,010

 BRISTOL MYERS SQUIBB CO              110122108        26        450 SH              X   X      2          450

 BRISTOL MYERS SQUIBB CO              110122108       340      5,859 SH              X          3        5,859

 BURLINGTON NORTHERN SANTA FE         12189T104       159      7,000 SH              X          1        6,700                   300

 BURLINGTON NORTHERN SANTA FE         12189T104       189      8,325 SH              X   X      1        3,825                 4,500

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

 CARDINAL HEALTH INC                  14149Y108     1,411     30,760 SH              X          1       29,945                   815

 CARDINAL HEALTH INC                  14149Y108       159      3,460 SH              X   X      1        3,460

                                               ----------
          PAGE TOTAL                               13,862

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE    5
                                                                    AS OF 03/31/00
 - - - 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>
 CARDINAL HEALTH INC                  14149Y108        32        695 SH              X          2          695

 CARDINAL HEALTH INC                  14149Y108       240      5,234 SH              X          3        5,234

 CARDINAL HEALTH INC                  14149Y108         9        200 SH              X   X      3          200

 CARNIVAL CORP                        143658102     1,199     48,312 SH              X          1       46,737                 1,575

 CARNIVAL CORP                        143658102       182      7,320 SH              X   X      1        7,320

 CARNIVAL CORP                        143658102        35      1,415 SH              X          2        1,415

 CARNIVAL CORP                        143658102         1         35 SH              X   X      2           35

 CARNIVAL CORP                        143658102       217      8,753 SH              X          3        8,753

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

 CHASE MANHATTAN CORP                 16161A108       101      1,163 SH              X          1        1,163

 CHASE MANHATTAN CORP                 16161A108        96      1,102 SH              X   X      1        1,102

 CHASE MANHATTAN CORP                 16161A108        10        112 SH              X          3          112

 CHEVRON CORP                         166751107     3,279     35,468 SH              X          1       34,923                   545

 CHEVRON CORP                         166751107       392      4,239 SH              X   X      1        4,189         30         20

 CHEVRON CORP                         166751107       173      1,874 SH              X          2        1,874

 CHEVRON CORP                         166751107       303      3,273 SH              X          3        3,273

 CHITTENDEN CORP                      170228100     6,288    211,799 SH              X          1      172,809                38,990

 CHITTENDEN CORP                      170228100     1,814     61,110 SH              X   X      1       34,785     20,263      6,062

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

 CHUBB CORPORATION                    171232101       209      3,100 SH              X          1        1,100                 2,000

 CISCO SYSTEMS INC                    17275R102     8,969    116,011 SH              X          1      111,837                 4,174

 CISCO SYSTEMS INC                    17275R102     2,051     26,528 SH              X   X      1       24,238      1,610        680

 CISCO SYSTEMS INC                    17275R102       554      7,160 SH              X          2        7,160

 CISCO SYSTEMS INC                    17275R102        55        712 SH              X   X      2          712

 CISCO SYSTEMS INC                    17275R102     1,356     17,537 SH              X          3       17,537

                                               ----------
          PAGE TOTAL                               27,850

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE    6
                                                                    AS OF 03/31/00
 - - - 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>
 CISCO SYSTEMS INC                    17275R102       247      3,200 SH              X   X      3        3,200

 CITIGROUP INC                        172967101     2,541     42,440 SH              X          1       41,120                 1,320

 CITIGROUP INC                        172967101       384      6,417 SH              X   X      1        6,357         25         35

 CITIGROUP INC                        172967101        63      1,053 SH              X          2        1,053

 CITIGROUP INC                        172967101       291      4,866 SH              X          3        4,866

 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     2,006     42,740 SH              X          1       42,415                   325

 COCA COLA CO                         191216100     1,113     23,715 SH              X   X      1       23,715

 COCA COLA CO                         191216100        16        340 SH              X          2          340

 COCA COLA CO                         191216100        79      1,678 SH              X          3        1,678

 COLGATE PALMOLIVE CO                 194162103       452      8,014 SH              X          1        5,988                 2,026

 COLGATE PALMOLIVE CO                 194162103        83      1,480 SH              X          3        1,480

 COMPAQ COMPUTER CORP                 204493100        73      2,744 SH              X          1        2,650                    94

 COMPAQ COMPUTER CORP                 204493100        92      3,450 SH              X          2        3,450

 COMPAQ COMPUTER CORP                 204493100        27      1,000 SH              X   X      2        1,000

 COMPAQ COMPUTER CORP                 204493100        25        940 SH              X          3          940

 CORNING INC                          219350105       370      1,905 SH              X          1        1,905

 CORNING INC                          219350105        78        400 SH              X   X      1          400

 CUROCO CORPORATION (SUBCHAPTER       231293101        26     10,000 SH              X          1       10,000
 S CORPORATION)
 DPL INC                              233293109       255     11,479 SH              X          1       11,479

 DPL INC                              233293109        26      1,182 SH              X   X      1        1,182

 DANAHER CORP                         235851102     2,925     57,353 SH              X          1       55,618                 1,735

 DANAHER CORP                         235851102       580     11,380 SH              X   X      1       10,385        910         85

 DANAHER CORP                         235851102        73      1,430 SH              X          2        1,430

                                               ----------
          PAGE TOTAL                               12,625

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE    7
                                                                    AS OF 03/31/00
 - - - 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       415      8,132 SH              X          3        8,132

 DISNEY (WALT) COMPANY HOLDING CO     254687106       599     14,519 SH              X          1       13,919                   600

 DISNEY (WALT) COMPANY HOLDING CO     254687106       177      4,290 SH              X   X      1        4,290

 DISNEY (WALT) COMPANY HOLDING CO     254687106       162      3,925 SH              X          2        3,925

 DISNEY (WALT) COMPANY HOLDING CO     254687106         6        150 SH              X   X      2          150

 DISNEY (WALT) COMPANY HOLDING CO     254687106        15        369 SH              X          3          369

 DISNEY (WALT) COMPANY HOLDING CO     254687106        25        600 SH              X   X      3          600

 DOVER CORP                           260003108       105      2,200 SH              X          1        2,200

 DOVER CORP                           260003108        96      2,000 SH              X          3        2,000

 DOW CHEMICAL CO                      260543103       231      2,025 SH              X          1        2,025

 DOW CHEMICAL CO                      260543103       183      1,604 SH              X   X      1        1,604

 DOW CHEMICAL CO                      260543103        11        100 SH              X   X      2          100

 DOW CHEMICAL CO                      260543103        13        118 SH              X          3          118

 DUPONT E I DE NEMOURS & CO           263534109     3,915     73,950 SH              X          1       72,405                 1,545

 DUPONT E I DE NEMOURS & CO           263534109       886     16,737 SH              X   X      1       16,652         50         35

 DUPONT E I DE NEMOURS & CO           263534109       192      3,630 SH              X          2        3,630

 DUPONT E I DE NEMOURS & CO           263534109        28        520 SH              X   X      2          520

 DUPONT E I DE NEMOURS & CO           263534109       447      8,449 SH              X          3        8,449

 DUPONT E I DE NEMOURS & CO           263534109         3         50 SH              X   X      3           50

 DUKE ENERGY CORP                     264399106     1,627     30,982 SH              X          1       30,002                   980

 DUKE ENERGY CORP                     264399106       176      3,347 SH              X   X      1        2,847        500

 DUKE ENERGY CORP                     264399106        45        860 SH              X          2          860

 DUKE ENERGY CORP                     264399106       253      4,821 SH              X          3        4,821

 EMC CORP                             268648102     3,501     27,788 SH              X          1       24,638                 3,150

 EMC CORP                             268648102       546      4,335 SH              X   X      1        4,285         20         30

                                               ----------
          PAGE TOTAL                               13,657

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE    8
                                                                    AS OF 03/31/00
 - - - 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>
 EMC CORP                             268648102        93        740 SH              X          2          740

 EMC CORP                             268648102       660      5,236 SH              X          3        5,236

 EASTMAN KODAK CO                     277461109       251      4,613 SH              X          1        4,513                   100

 EASTMAN KODAK CO                     277461109       288      5,300 SH              X   X      1        2,800      2,500

 EASTMAN KODAK CO                     277461109        12        224 SH              X          2          224

 EASTMAN KODAK CO                     277461109        12        225 SH              X   X      2          225

 EMERSON ELECTRIC CO                  291011104       357      6,719 SH              X          1        6,119                   600

 EMERSON ELECTRIC CO                  291011104       186      3,492 SH              X   X      1        3,492

 EMERSON ELECTRIC CO                  291011104        21        400 SH              X          2          400

 EMERSON ELECTRIC CO                  291011104        22        413 SH              X          3          413

 ENRON CORP                           293561106     6,011     80,286 SH              X          1       78,721                 1,565

 ENRON CORP                           293561106     1,360     18,160 SH              X   X      1       16,505      1,610         45

 ENRON CORP                           293561106        61        820 SH              X          2          820

 ENRON CORP                           293561106         4         50 SH              X   X      2           50

 ENRON CORP                           293561106       765     10,211 SH              X          3       10,211

 EXXON MOBIL CORP                     30231G102    16,161    207,361 SH              X          1      201,757                 5,604

 EXXON MOBIL CORP                     30231G102     3,518     45,138 SH              X   X      1       45,043         50         45

 EXXON MOBIL CORP                     30231G102       656      8,413 SH              X          2        8,413

 EXXON MOBIL CORP                     30231G102        43        558 SH              X   X      2          558

 EXXON MOBIL CORP                     30231G102       697      8,942 SH              X          3        8,942

 EXXON MOBIL CORP                     30231G102        23        300 SH              X   X      3          300

 FANNIE MAE                           313586109     3,053     53,970 SH              X          1       52,445                 1,525

 FANNIE MAE                           313586109       445      7,860 SH              X   X      1        7,750         60         50

 FANNIE MAE                           313586109        91      1,605 SH              X          2        1,605

 FANNIE MAE                           313586109         7        125 SH              X   X      2          125

                                               ----------
          PAGE TOTAL                               34,797

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE    9
                                                                    AS OF 03/31/00
 - - - 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>
 FANNIE MAE                           313586109       422      7,468 SH              X          3        7,468

 FLEETBOSTON FINANCIAL CORP           339030108       753     20,620 SH              X          1       20,166                   454

 FLEETBOSTON FINANCIAL CORP           339030108        35        946 SH              X   X      1          946

 FLEETBOSTON FINANCIAL CORP           339030108       178      4,879 SH              X          2        4,879

 FLEETBOSTON FINANCIAL CORP           339030108        19        534 SH              X   X      2          534

 FORD MOTOR CO                        345370100        78      1,700 SH              X          1        1,600                   100

 FORD MOTOR CO                        345370100       106      2,310 SH              X   X      1        2,310

 FORD MOTOR CO                        345370100        22        473 SH              X          3          473

 GTE CORP                             362320103     4,651     65,505 SH              X          1       63,955                 1,550

 GTE CORP                             362320103     1,083     15,248 SH              X   X      1       14,648        555         45

 GTE CORP                             362320103        69        973 SH              X          2          973

 GTE CORP                             362320103       124      1,745 SH              X   X      2        1,745

 GTE CORP                             362320103       489      6,887 SH              X          3        6,887

 GTE CORP                             362320103        11        150 SH              X   X      3          150

 GANNETT INC                          364730101     2,783     39,550 SH              X          1        4,050                35,500

 GANNETT INC                          364730101       282      4,000 SH              X   X      1        4,000

 GANNETT INC                          364730101        21        300 SH              X          2          300

 GENERAL ELECTRIC                     369604103    32,212    206,987 SH              X          1      204,327                 2,660

 GENERAL ELECTRIC                     369604103     5,113     32,855 SH              X   X      1       31,285      1,240        330

 GENERAL ELECTRIC                     369604103     1,182      7,597 SH              X          2        7,597

                                               ----------
          PAGE TOTAL                               49,633








 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   10
                                                                    AS OF 03/31/00
 - - - 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       647      4,155 SH              X   X      2        4,155

 GENERAL ELECTRIC                     369604103     1,121      7,201 SH              X          3        7,201

 GENERAL ELECTRIC                     369604103        62        400 SH              X   X      3          400

 GENERAL MILLS INC                    370334104       107      2,950 SH              X          1        2,950

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

 GENERAL MILLS INC                    370334104        29        800 SH              X          2          800

 GENERAL MILLS INC                    370334104        14        400 SH              X   X      2          400

 GENERAL MOTORS CORP                  370442105       744      8,986 SH              X          1        8,986

 GENERAL MOTORS CORP                  370442105       115      1,386 SH              X   X      1        1,386

 GENERAL MOTORS CORP                  370442105        55        660 SH              X          2          660

 GENERAL MOTORS CORP                  370442105        36        440 SH              X   X      2          440

 GENERAL MOTORS CORP                  370442105        14        166 SH              X          3          166

 GEORGIA-PACIFIC GROUP                373298108       267      6,748 SH              X          1        6,748

 GEORGIA-PACIFIC GROUP                373298108        19        472 SH              X   X      1          472

 GILLETTE CO                          375766102       413     10,953 SH              X          1        6,553                 4,400

 GILLETTE CO                          375766102       237      6,284 SH              X   X      1        6,284

 GILLETTE CO                          375766102        50      1,324 SH              X          2        1,324

 GILLETTE CO                          375766102         5        135 SH              X   X      2          135

 GILLETTE CO                          375766102        12        311 SH              X          3          311

 HALLIBURTON CO                       406216101     2,131     51,825 SH              X          1       49,770                 2,055

 HALLIBURTON CO                       406216101       323      7,850 SH              X   X      1        6,930        870         50

 HALLIBURTON CO                       406216101        43      1,035 SH              X          2        1,035

 HALLIBURTON CO                       406216101       313      7,600 SH              X          3        7,600

 HARLEY-DAVIDSON INC                  412822108     2,878     36,261 SH              X          1       35,451                   810

 HARLEY-DAVIDSON INC                  412822108       579      7,290 SH              X   X      1        6,590        700

                                               ----------
          PAGE TOTAL                               10,286

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   11
                                                                    AS OF 03/31/00
 - - - 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>
 HARLEY-DAVIDSON INC                  412822108        49        620 SH              X          2          620

 HARLEY-DAVIDSON INC                  412822108       296      3,723 SH              X          3        3,723

 HARLEY-DAVIDSON INC                  412822108         8        100 SH              X   X      3          100

 HEINZ H.J. CO                        423074103       251      7,189 SH              X          1        7,189

 HEINZ H.J. CO                        423074103        45      1,300 SH              X   X      1        1,300

 HERSHEY FOODS CORP                   427866108       468      9,600 SH              X   X      1        2,400      7,200

 HERSHEY FOODS CORP                   427866108        59      1,200 SH              X          3        1,200

 HEWLETT PACKARD CO                   428236103     4,889     36,884 SH              X          1       35,569                 1,315

 HEWLETT PACKARD CO                   428236103     1,301      9,812 SH              X   X      1        9,342        440         30

 HEWLETT PACKARD CO                   428236103        82        620 SH              X          2          620

 HEWLETT PACKARD CO                   428236103        10         75 SH              X   X      2           75

 HEWLETT PACKARD CO                   428236103       507      3,826 SH              X          3        3,826

 HEWLETT PACKARD CO                   428236103        13        100 SH              X   X      3          100

 HOME DEPOT INC                       437076102     4,617     71,576 SH              X          1       67,703                 3,873

 HOME DEPOT INC                       437076102       808     12,532 SH              X   X      1       12,345        112         75

 HOME DEPOT INC                       437076102       225      3,484 SH              X          2        3,484

 HOME DEPOT INC                       437076102        80      1,237 SH              X   X      2        1,237

 HOME DEPOT INC                       437076102       903     14,004 SH              X          3       14,004

 HOME DEPOT INC                       437076102        63        975 SH              X   X      3          975

 HONEYWELL INTL INC                   438516106       207      3,921 SH              X          1        3,921

 HONEYWELL INTL INC                   438516106       217      4,126 SH              X   X      1        4,126

 HONEYWELL INTL INC                   438516106        46        870 SH              X          2          870

 HONEYWELL INTL INC                   438516106         8        150 SH              X   X      2          150

 HONEYWELL INTL INC                   438516106        62      1,171 SH              X          3        1,171

 ILLINOIS TOOL WORKS                  452308109       214      3,880 SH              X          1        3,480                   400

                                               ----------
          PAGE TOTAL                               15,428

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   12
                                                                    AS OF 03/31/00
 - - - 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>
 ILLINOIS TOOL WORKS                  452308109        50        900 SH              X   X      1          900

 INTEL CORP                           458140100    11,010     83,451 SH              X          1       78,806                 4,645

 INTEL CORP                           458140100     2,441     18,500 SH              X   X      1       16,785        875        840

 INTEL CORP                           458140100       167      1,265 SH              X          2        1,265

 INTEL CORP                           458140100        23        175 SH              X   X      2          175

 INTEL CORP                           458140100     1,204      9,126 SH              X          3        9,126

 INTERNATIONAL BUSINESS MACHINES      459200101     8,450     71,613 SH              X          1       70,608                 1,005

 INTERNATIONAL BUSINESS MACHINES      459200101     2,191     18,572 SH              X   X      1       11,117      7,425         30

 INTERNATIONAL BUSINESS MACHINES      459200101       209      1,773 SH              X          2        1,773

 INTERNATIONAL BUSINESS MACHINES      459200101       433      3,673 SH              X          3        3,673

 JOHNSON & JOHNSON INC                478160104     5,674     80,774 SH              X          1       79,884                   890

 JOHNSON & JOHNSON INC                478160104     2,190     31,178 SH              X   X      1       14,357     16,796         25

 JOHNSON & JOHNSON INC                478160104       197      2,800 SH              X          2        2,800

 JOHNSON & JOHNSON INC                478160104         9        125 SH              X   X      2          125

 JOHNSON & JOHNSON INC                478160104       403      5,742 SH              X          3        5,742

 JOHNSON & JOHNSON INC                478160104        12        170 SH              X   X      3          170

 KIMBERLY CLARK CORP                  494368103       177      3,152 SH              X          1        2,982                   170

 KIMBERLY CLARK CORP                  494368103        56      1,000 SH              X   X      1        1,000

 KIMBERLY CLARK CORP                  494368103        37        654 SH              X   X      2          654

 KIMBERLY CLARK CORP                  494368103        10        180 SH              X          3          180

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

 LUCENT TECHNOLOGIES INC              549463107     5,636     90,909 SH              X          1       85,250                 5,659

 LUCENT TECHNOLOGIES INC              549463107     1,056     17,040 SH              X   X      1       16,915         60         65

                                               ----------
          PAGE TOTAL                               41,945

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   13
                                                                    AS OF 03/31/00
 - - - 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>
 LUCENT TECHNOLOGIES INC              549463107       304      4,900 SH              X          2        4,900

 LUCENT TECHNOLOGIES INC              549463107        81      1,313 SH              X   X      2        1,313

 LUCENT TECHNOLOGIES INC              549463107       697     11,244 SH              X          3       11,244

 LUCENT TECHNOLOGIES INC              549463107        38        612 SH              X   X      3          612

 MBIA INC                             55262C100       245      4,710 SH              X          1        4,110                   600

 MBIA INC                             55262C100        79      1,520 SH              X   X      1        1,520

 MBNA CORP                            55262L100     1,498     58,763 SH              X          1       56,823                 1,940

 MBNA CORP                            55262L100       172      6,750 SH              X   X      1        6,750

 MBNA CORP                            55262L100        38      1,485 SH              X          2        1,485

 MBNA CORP                            55262L100       261     10,241 SH              X          3       10,241

 MCI WORLDCOM INC                     55268B106     3,909     86,277 SH              X          1       83,568                 2,709

 MCI WORLDCOM INC                     55268B106       776     17,130 SH              X   X      1       15,465      1,590         75

 MCI WORLDCOM INC                     55268B106        74      1,640 SH              X          2        1,640

 MCI WORLDCOM INC                     55268B106       624     13,770 SH              X          3       13,770

 MARSH & MCLENNAN COS INC             571748102        68        612 SH              X          1          612

 MARSH & MCLENNAN COS INC             571748102        50        450 SH              X   X      1          450

 MARSH & MCLENNAN COS INC             571748102       115      1,044 SH              X          2        1,044

 MARRIOTT INTERNATIONAL CL A          571903202       215      6,810 SH              X          1        6,810

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

 MCDONALDS CORP                       580135101       588     15,731 SH              X          1       15,731

 MCDONALDS CORP                       580135101         7        200 SH              X   X      2          200

 MCDONALDS CORP                       580135101        90      2,400 SH              X          3        2,400

 MEDIAONE GROUP INC                   58440J104       208      2,569 SH              X          1        2,569

 MEDIAONE GROUP INC                   58440J104        92      1,135 SH              X   X      1        1,135

 MEDIAONE GROUP INC                   58440J104         6         68 SH              X          2           68

                                               ----------
          PAGE TOTAL                               10,244

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   14
                                                                    AS OF 03/31/00
 - - - 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>
 MEDIAONE GROUP INC                   58440J104         3         36 SH              X          3           36

 MEDTRONIC INC                        585055106     2,941     57,184 SH              X          1       53,484                 3,700

 MEDTRONIC INC                        585055106       657     12,767 SH              X   X      1       11,827        890         50

 MEDTRONIC INC                        585055106        46        895 SH              X          2          895

 MEDTRONIC INC                        585055106       434      8,431 SH              X          3        8,431

 MEDTRONIC INC                        585055106        10        200 SH              X   X      3          200

 MERCHANTS BANCSHARES INC             588448100       130      7,246 SH              X          1        7,246

 MERCHANTS BANCSHARES INC             588448100       274     15,310 SH              X   X      1       15,310

 MERCK & CO INC                       589331107     4,157     66,919 SH              X          1       62,294                 4,625

 MERCK & CO INC                       589331107     1,752     28,201 SH              X   X      1       12,480     14,286      1,435

 MERCK & CO INC                       589331107       303      4,880 SH              X          2        4,880

 MERCK & CO INC                       589331107        14        225 SH              X   X      2          225

 MERCK & CO INC                       589331107       278      4,471 SH              X          3        4,471

 MERCK & CO INC                       589331107        31        500 SH              X   X      3          500

 MERRILL LYNCH & CO., INC.            590188108     2,669     25,419 SH              X          1       24,659                   760

 MERRILL LYNCH & CO., INC.            590188108       482      4,595 SH              X   X      1        4,525         40         30

 MERRILL LYNCH & CO., INC.            590188108        66        630 SH              X          2          630

 MERRILL LYNCH & CO., INC.            590188108       349      3,322 SH              X          3        3,322

 MICROSOFT CORP                       594918104     6,524     61,407 SH              X          1       55,942                 5,465

 MICROSOFT CORP                       594918104     1,520     14,308 SH              X   X      1       12,843      1,040        425

 MICROSOFT CORP                       594918104        90        845 SH              X          2          845

 MICROSOFT CORP                       594918104         2         20 SH              X   X      2           20

 MICROSOFT CORP                       594918104     1,143     10,760 SH              X          3       10,760

 MICROSOFT CORP                       594918104        21        200 SH              X   X      3          200

 MINNESOTA MINING & MFG CO            604059105       646      7,296 SH              X          1        7,296

                                               ----------
          PAGE TOTAL                               24,542

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   15
                                                                    AS OF 03/31/00
 - - - 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>
 MINNESOTA MINING & MFG CO            604059105       362      4,090 SH              X   X      1          890      3,200

 MINNESOTA MINING & MFG CO            604059105        44        500 SH              X          2          500

 MORGAN, J P & CO                     616880100       433      3,285 SH              X          1        3,285

 MORGAN, J P & CO                     616880100       580      4,404 SH              X   X      1          904      3,500

 MORGAN, J P & CO                     616880100        86        650 SH              X          2          650

 MORGAN, J P & CO                     616880100         7         50 SH              X   X      2           50

 MORGAN, J P & CO                     616880100        53        400 SH              X          3          400

 NEWELL RUBBERMAID INC                651229106     2,610    105,200 SH              X          1      102,385                 2,815
 COM
 NEWELL RUBBERMAID INC                651229106       342     13,775 SH              X   X      1       12,195      1,450        130
 COM
 NEWELL RUBBERMAID INC                651229106        50      2,025 SH              X          2        2,025
 COM
 NEWELL RUBBERMAID INC                651229106       332     13,400 SH              X          3       13,400
 COM
 NOKIA CORP SPONSORED ADR             654902204       102        461 SH              X          1          461

 NOKIA CORP SPONSORED ADR             654902204       444      2,000 SH              X          2        2,000

 NORFOLK SOUTHERN CORP                655844108       186     13,037 SH              X          1        9,173                 3,864

 NORFOLK SOUTHERN CORP                655844108        25      1,789 SH              X   X      1        1,789

 NORFOLK SOUTHERN CORP                655844108         4        270 SH              X   X      2          270

 ORACLE CORPORATION                   68389X105     5,432     69,589 SH              X          1       66,738                 2,851

 ORACLE CORPORATION                   68389X105     1,676     21,469 SH              X   X      1       21,469

 ORACLE CORPORATION                   68389X105        65        835 SH              X          2          835

 ORACLE CORPORATION                   68389X105       722      9,248 SH              X          3        9,248

 ORACLE CORPORATION                   68389X105        26        336 SH              X   X      3          336

 PE BIOSYSTEMS GROUP                  69332S102       251      2,600 SH              X          1        2,600
 COM
                                                ----------
          PAGE TOTAL                               13,832

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   16
                                                                    AS OF 03/31/00
 - - - 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     4,013    115,057 SH              X          1      111,972                 3,085

 PEPSICO INC                          713448108     1,515     43,437 SH              X   X      1       41,272         95      2,070

 PEPSICO INC                          713448108        77      2,220 SH              X          2        2,220

 PEPSICO INC                          713448108         5        150 SH              X   X      2          150

 PEPSICO INC                          713448108       301      8,642 SH              X          3        8,642

 PEPSICO INC                          713448108        10        295 SH              X   X      3          295

 PFIZER INC                           717081103     3,889    106,371 SH              X          1      103,781                 2,590

 PFIZER INC                           717081103     1,657     45,325 SH              X   X      1       44,160      1,100         65

 PFIZER INC                           717081103       432     11,810 SH              X          2       11,810

 PFIZER INC                           717081103       556     15,207 SH              X          3       15,207

 PHILIP MORRIS COMPANIES INC          718154107       393     18,621 SH              X          1       18,521                   100

 PHILIP MORRIS COMPANIES INC          718154107        47      2,216 SH              X   X      1        2,216

 PHILIP MORRIS COMPANIES INC          718154107       196      9,300 SH              X          3        9,300

 PRAXAIR INC                          74005P104     2,799     67,255 SH              X          1       65,230                 2,025

 PRAXAIR INC                          74005P104       414      9,935 SH              X   X      1        9,210        665         60

 PRAXAIR INC                          74005P104        59      1,425 SH              X          2        1,425

                                               ----------
          PAGE TOTAL                               16,393

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   17
                                                                    AS OF 03/31/00
 - - - 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>
 PRAXAIR INC                          74005P104       377      9,063 SH              X          3        9,063

 PRAXAIR INC                          74005P104         3         75 SH              X   X      3           75

 PROCTER & GAMBLE CO                  742718109     2,999     53,081 SH              X          1       51,436                 1,645

 PROCTER & GAMBLE CO                  742718109       545      9,647 SH              X   X      1        8,367      1,245         35

 PROCTER & GAMBLE CO                  742718109       112      1,988 SH              X          2        1,988

 PROCTER & GAMBLE CO                  742718109       249      4,412 SH              X          3        4,412

 PROCTER & GAMBLE CO                  742718109        26        464 SH              X   X      3          464

 QUALCOMM INC                         747525103         6         40 SH              X          1           40

 QUALCOMM INC                         747525103       299      2,000 SH              X   X      1        2,000

 ROYAL DUTCH PETROLEUM NY REG SH      780257804       320      5,537 SH              X          1        5,537
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804        58      1,000 SH              X   X      1        1,000
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804        29        500 SH              X          2          500
 PAR N GLDR 1.25
 ROYAL DUTCH PETROLEUM NY REG SH      780257804        69      1,200 SH              X          3        1,200
 PAR N GLDR 1.25
 SBC COMMUNICATIONS INC               78387G103     2,142     50,856 SH              X          1       48,179                 2,677

 SBC COMMUNICATIONS INC               78387G103       973     23,096 SH              X   X      1       23,096

 SBC COMMUNICATIONS INC               78387G103       161      3,830 SH              X          2        3,830

 SBC COMMUNICATIONS INC               78387G103        37        882 SH              X          3          882

 SAFEWAY INC                          786514208       288      6,362 SH              X          1        6,362

 SCHERING-PLOUGH CORP                 806605101     3,573     96,239 SH              X          1       94,819                 1,420

 SCHERING-PLOUGH CORP                 806605101       501     13,490 SH              X   X      1       12,370      1,070         50

 SCHERING-PLOUGH CORP                 806605101        35        930 SH              X          2          930

 SCHERING-PLOUGH CORP                 806605101       286      7,694 SH              X          3        7,694

 SCHLUMBERGER LTD                     806857108     2,601     34,006 SH              X          1       33,081                   925

 SCHLUMBERGER LTD                     806857108       452      5,915 SH              X   X      1        5,340        545         30

 SCHLUMBERGER LTD                     806857108        59        775 SH              X          2          775

                                               ----------
          PAGE TOTAL                               16,200

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   18
                                                                    AS OF 03/31/00
 - - - 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       408      5,334 SH              X          3        5,334

 SCHLUMBERGER LTD                     806857108        26        335 SH              X   X      3          335

 SMITHKLINE BEECHAM P.L.C. ADR        832378301       414      6,263 SH              X          1        6,263
 REPSTG ORD A
 SMITHKLINE BEECHAM P.L.C. ADR        832378301       172      2,600 SH              X   X      1        2,600
 REPSTG ORD A
 SMITHKLINE BEECHAM P.L.C. ADR        832378301        26        400 SH              X          2          400
 REPSTG ORD A
 SOLECTRON CORP                       834182107     3,767     93,892 SH              X          1       87,127                 6,765

 SOLECTRON CORP                       834182107       843     21,000 SH              X   X      1       18,000      3,000

 SOLECTRON CORP                       834182107        51      1,260 SH              X          2        1,260

 SOLECTRON CORP                       834182107       380      9,469 SH              X          3        9,469

 SPRINT CORP                          852061100        76      1,210 SH              X          1        1,210

 SPRINT CORP                          852061100       245      3,892 SH              X   X      1        3,892

 SPRINT CORP                          852061100        57        900 SH              X          2          900

 SPRINT CORP                          852061100        26        408 SH              X          3          408

 SPRINT CORP PCS GROUP                852061506        49        754 SH              X          1          754

 SPRINT CORP PCS GROUP                852061506       127      1,946 SH              X   X      1        1,946

 SPRINT CORP PCS GROUP                852061506        29        450 SH              X          2          450

 STAPLES INCORPORATED                 855030102     1,926     96,278 SH              X          1       93,620                 2,658
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102       290     14,515 SH              X   X      1       14,515
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102        55      2,735 SH              X          2        2,735
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102         2         75 SH              X   X      2           75
 (RETAIL & DELIVERY)
 STAPLES INCORPORATED                 855030102       291     14,559 SH              X          3       14,559
 (RETAIL & DELIVERY)
 STATE STREET CORP                    857477103     3,708     38,272 SH              X          1       37,237                 1,035

 STATE STREET CORP                    857477103       648      6,688 SH              X   X      1        6,005         40        643

 STATE STREET CORP                    857477103        79        815 SH              X          2          815

 STATE STREET CORP                    857477103         2         25 SH              X   X      2           25

                                               ----------
          PAGE TOTAL                               13,697

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   19
                                                                    AS OF 03/31/00
 - - - 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>
 STATE STREET CORP                    857477103       374      3,860 SH              X          3        3,860

 SUN MICROSYSTEMS INC                 866810104     3,522     37,582 SH              X          1       36,377                 1,205

 SUN MICROSYSTEMS INC                 866810104       600      6,400 SH              X   X      1        6,345         25         30

 SUN MICROSYSTEMS INC                 866810104       125      1,330 SH              X          2        1,330

 SUN MICROSYSTEMS INC                 866810104         5         50 SH              X   X      2           50

 SUN MICROSYSTEMS INC                 866810104       556      5,933 SH              X          3        5,933

 SYSCO CORP                           871829107     3,586     99,280 SH              X          1       96,895                 2,385

 SYSCO CORP                           871829107       496     13,740 SH              X   X      1       12,240      1,500

 SYSCO CORP                           871829107        44      1,230 SH              X          2        1,230

 SYSCO CORP                           871829107       290      8,017 SH              X          3        8,017

 TARGET CORP                          87612E106     3,279     43,869 SH              X          1       42,714                 1,155

 TARGET CORP                          87612E106       423      5,665 SH              X   X      1        5,605         25         35

 TARGET CORP                          87612E106        67        895 SH              X          2          895

 TARGET CORP                          87612E106       447      5,982 SH              X          3        5,982

 TEXACO INC                           881694103       154      2,862 SH              X          1        2,862

 TEXACO INC                           881694103        59      1,104 SH              X   X      1        1,104

 TEXACO INC                           881694103         1         15 SH              X          2           15

 TEXACO INC                           881694103         1         19 SH              X   X      2           19

 TEXACO INC                           881694103        11        200 SH              X          3          200

 TEXAS INSTRUMENTS                    882508104       320      2,000 SH              X          1        2,000

 TIME WARNER INC                      887315109     1,251     12,512 SH              X          1       12,512

 TIME WARNER INC                      887315109       100      1,000 SH              X   X      1        1,000

 TIME WARNER INC                      887315109        21        210 SH              X          3          210

 TYCO INTERNATIONAL LTD NEW           902124106     4,072     81,228 SH              X          1       78,693                 2,535

 TYCO INTERNATIONAL LTD NEW           902124106       691     13,790 SH              X   X      1       13,590        130         70

                                               ----------
          PAGE TOTAL                               20,495

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   20
                                                                    AS OF 03/31/00
 - - - 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>
 TYCO INTERNATIONAL LTD NEW           902124106       105      2,090 SH              X          2        2,090

 TYCO INTERNATIONAL LTD NEW           902124106       585     11,662 SH              X          3       11,662

 UNION BANKSHARES INC                 905400107       254     14,700 SH              X          1       14,700

 UNION CARBIDE CORP                   905581104       272      4,658 SH              X          1        4,658

 UNION CARBIDE CORP                   905581104        38        650 SH              X   X      1          650

 UNION PACIFIC CORP                   907818108       259      6,616 SH              X          1        6,616

 UNION PACIFIC CORP                   907818108       200      5,121 SH              X   X      1        1,921        800      2,400

 US WEST INC NEW                      91273H101       307      4,229 SH              X          1        4,229

 US WEST INC NEW                      91273H101       246      3,383 SH              X   X      1        3,383

 US WEST INC NEW                      91273H101         5         69 SH              X          2           69

 UNITED TECHNOLOGIES CORP             913017109     2,690     42,567 SH              X          1       41,692                   875

 UNITED TECHNOLOGIES CORP             913017109       574      9,090 SH              X   X      1        8,990         55         45

 UNITED TECHNOLOGIES CORP             913017109       121      1,915 SH              X          2        1,915

 UNITED TECHNOLOGIES CORP             913017109        27        420 SH              X   X      2          420

 UNITED TECHNOLOGIES CORP             913017109       350      5,537 SH              X          3        5,537

 VODAFONE AIRTOUCH PLC                92857T107       548      9,864 SH              X          1        8,864                 1,000
 ADR SPONSORED
                                               ----------
          PAGE TOTAL                                6,581

 <CAPTION>
 CHITTENDEN CORPORATION                      SECURITIES AND EXCHANGE COMMISSION FORM 13-F        04/06/00           PAGE   21
                                                                    AS OF 03/31/00
 - - - 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>
 VODAFONE AIRTOUCH PLC                92857T107       199      3,580 SH              X   X      1        3,580
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107        42        755 SH              X          2          755
 ADR SPONSORED
 VODAFONE AIRTOUCH PLC                92857T107         5         90 SH              X          3           90
 ADR SPONSORED
 WAL-MART STORES                      931142103     2,684     47,500 SH              X          1       46,065                 1,435

 WAL-MART STORES                      931142103       437      7,743 SH              X   X      1        7,638         50         55

 WAL-MART STORES                      931142103        63      1,120 SH              X          2        1,120

 WAL-MART STORES                      931142103         1         25 SH              X   X      2           25

 WAL-MART STORES                      931142103       581     10,291 SH              X          3       10,291

 WARNER LAMBERT CO                    934488107       414      4,240 SH              X          1        4,240

 WARNER LAMBERT CO                    934488107       758      7,758 SH              X   X      1        6,030                 1,728

 WARNER LAMBERT CO                    934488107        29        300 SH              X          3          300

 WELLS FARGO & CO NEW                 949746101     2,176     53,400 SH              X          1       50,875                 2,525

 WELLS FARGO & CO NEW                 949746101       485     11,895 SH              X   X      1       11,805         35         55

 WELLS FARGO & CO NEW                 949746101        49      1,200 SH              X          2        1,200

 WELLS FARGO & CO NEW                 949746101       535     13,124 SH              X          3       13,124

 WILLIAMS CO INC                      969457100       303      6,900 SH              X          1        6,900

 WILLIAMS CO INC                      969457100       176      4,000 SH              X   X      1                              4,000

 WILLIAMS CO INC                      969457100        35        800 SH              X          3          800

                                               ----------
          PAGE TOTAL                                8,972
         FINAL TOTALS                             405,061
</TABLE>


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