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
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PAGE TOTAL 8,972
FINAL TOTALS 405,061
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