FORM 13F COVER PAGE
SECURITIES AND EXCHANGE COMMISSION FORM 13-F (13F-HR)
CHITTENDEN CORPORATION
ATTN MIKE GAUDING - TRUST OPERATIONS
2 BURLINGTON SQUAREE
BURLINGTON VT 05401
ASSETS AS OF 09/30/00
SIGNATURE: JERRY R CONCON
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 10/10/00 PAGE 1
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
CONSOLIDTD N E EXPLORATION CO CS0027009 0 10,000 SH X 1 10,000
RENTOKIL INITIAL G75093115 2,032 907,278 SH X 1 907,278
RENTOKIL INITIAL G75093115 821 366,668 SH X X 1 366,668
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 384 18,459 SH X 1 18,459
SOPHUS BERENDSEN A/S DKK 20.0 K49759119 354 17,019 SH X X 1 17,019
A T & T CORP 001957109 1,691 57,573 SH X 1 55,248 2,325
A T & T CORP 001957109 780 26,560 SH X X 1 26,560
A T & T CORP 001957109 155 5,268 SH X 2 5,268
A T & T CORP 001957109 100 3,396 SH X 3 3,396
A T & T CORP 001957109 31 1,066 SH X X 3 1,066
ABBOTT LABS 002824100 1,968 41,379 SH X 1 40,169 1,210
ABBOTT LABS 002824100 1,076 22,613 SH X X 1 22,613
ABBOTT LABS 002824100 17 350 SH X 2 350
ABBOTT LABS 002824100 181 3,800 SH X 3 3,800
AGILENT TECHNOLOGIES 00846U101 1,476 30,167 SH X 1 29,681 486
AGILENT TECHNOLOGIES 00846U101 386 7,886 SH X X 1 7,843 13 30
AGILENT TECHNOLOGIES 00846U101 12 250 SH X 2 250
AGILENT TECHNOLOGIES 00846U101 1 28 SH X X 2 28
AGILENT TECHNOLOGIES 00846U101 70 1,424 SH X 3 1,424
AGILENT TECHNOLOGIES 00846U101 2 38 SH X X 3 38
----------
PAGE TOTAL 14,077
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 2
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
AIR PRODUCTS & CHEMICALS INC 009158106 378 10,489 SH X 1 6,233 4,256
AIR PRODUCTS & CHEMICALS INC 009158106 34 933 SH X X 1 933
AIR PRODUCTS & CHEMICALS INC 009158106 9 240 SH X 2 240
AMERICA ONLINE 02364J104 2,971 55,280 SH X 1 53,700 1,580
AMERICA ONLINE 02364J104 526 9,780 SH X X 1 9,600 45 135
AMERICA ONLINE 02364J104 63 1,178 SH X 2 1,178
AMERICA ONLINE 02364J104 3 60 SH X X 2 60
AMERICA ONLINE 02364J104 336 6,243 SH X 3 6,243
AMERICAN ELECTRIC POWER INC 025537101 196 5,003 SH X 1 5,003
AMERICAN ELECTRIC POWER INC 025537101 96 2,460 SH X X 1 2,460
AMERICAN ELECTRIC POWER INC 025537101 3 64 SH X 2 64
AMERICAN EXPRESS CO 025816109 1,554 25,573 SH X 1 25,573
AMERICAN EXPRESS CO 025816109 206 3,393 SH X X 1 3,393
AMERICAN EXPRESS CO 025816109 55 900 SH X X 3 900
AMERICAN HOME PRODUCTS CORP 026609107 3,841 68,050 SH X 1 64,950 3,100
AMERICAN HOME PRODUCTS CORP 026609107 2,184 38,697 SH X X 1 38,697
AMERICAN HOME PRODUCTS CORP 026609107 294 5,210 SH X 2 5,210
AMERICAN HOME PRODUCTS CORP 026609107 23 400 SH X X 2 400
AMERICAN HOME PRODUCTS CORP 026609107 43 767 SH X 3 767
AMERICAN HOME PRODUCTS CORP 026609107 6 100 SH X X 3 100
AMERN INTL GROUP INC 026874107 15,761 164,711 SH X 1 160,081 4,630
AMERN INTL GROUP INC 026874107 3,442 35,974 SH X X 1 32,059 3,517 398
AMERN INTL GROUP INC 026874107 222 2,321 SH X 2 2,321
AMERN INTL GROUP INC 026874107 8 85 SH X X 2 85
AMERN INTL GROUP INC 026874107 1,274 13,309 SH X 3 13,309
----------
PAGE TOTAL 33,528
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 3
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
AMGEN INC 031162100 4,794 68,649 SH X 1 67,754 895
AMGEN INC 031162100 1,205 17,262 SH X X 1 16,412 850
AMGEN INC 031162100 84 1,205 SH X 2 1,205
AMGEN INC 031162100 4 55 SH X X 2 55
AMGEN INC 031162100 376 5,380 SH X 3 5,380
ANADARKO PETROLEUM CORP 032511107 220 3,317 SH X 1 3,317
ANADARKO PETROLEUM CORP 032511107 50 748 SH X X 1 595 153
ANALOG DEVICES INC 032654105 1,435 17,345 SH X X 1 17,345
APPLIED MATERIALS 038222105 4,519 76,185 SH X 1 74,690 1,495
APPLIED MATERIALS 038222105 1,256 21,170 SH X X 1 20,720 450
APPLIED MATERIALS 038222105 69 1,155 SH X 2 1,155
APPLIED MATERIALS 038222105 7 110 SH X X 2 110
APPLIED MATERIALS 038222105 393 6,625 SH X 3 6,625
ARCHER DANIELS MIDLAND CO 039483102 102 11,838 SH X 1 11,838
ARCHER DANIELS MIDLAND CO 039483102 14 1,673 SH X X 1 1,673
ARROW FINANCIAL CORP 042744102 1,755 105,592 SH X 1 102,467 3,125
ARROW FINANCIAL CORP 042744102 1,100 66,145 SH X X 1 66,145
ASSOCIATES FIRST CAPITAL CORP 046008108 3,660 96,326 SH X 1 92,851 3,475
ASSOCIATES FIRST CAPITAL CORP 046008108 533 14,032 SH X X 1 13,842 100 90
ASSOCIATES FIRST CAPITAL CORP 046008108 105 2,760 SH X 2 2,760
ASSOCIATES FIRST CAPITAL CORP 046008108 4 115 SH X X 2 115
ASSOCIATES FIRST CAPITAL CORP 046008108 529 13,916 SH X 3 13,916
ASSOCIATES FIRST CAPITAL CORP 046008108 8 208 SH X X 3 208
AUTOMATIC DATA PROCESSING 053015103 7,986 119,412 SH X 1 117,082 2,330
AUTOMATIC DATA PROCESSING 053015103 2,218 33,170 SH X X 1 32,155 865 150
----------
PAGE TOTAL 32,426
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 4
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
AUTOMATIC DATA PROCESSING 053015103 435 6,500 SH X 2 6,500
AUTOMATIC DATA PROCESSING 053015103 7 110 SH X X 2 110
AUTOMATIC DATA PROCESSING 053015103 728 10,882 SH X 3 10,882
AUTOMATIC DATA PROCESSING 053015103 13 200 SH X X 3 200
BP AMOCO PLC SPONSORED ADR 055622104 2,924 55,162 SH X 1 52,510 2,652
BP AMOCO PLC SPONSORED ADR 055622104 872 16,459 SH X X 1 16,459
BP AMOCO PLC SPONSORED ADR 055622104 71 1,346 SH X 2 1,346
BP AMOCO PLC SPONSORED ADR 055622104 4 75 SH X X 2 75
BP AMOCO PLC SPONSORED ADR 055622104 43 820 SH X 3 820
FIRST HAWAIIAN INC 059790105 1,097 56,448 SH X X 1 56,448
BANK AMERICA CORP 060505104 941 17,961 SH X 1 17,961
BANK AMERICA CORP 060505104 227 4,331 SH X X 1 4,331
BANK AMERICA CORP 060505104 77 1,476 SH X 2 1,476
BANK AMERICA CORP 060505104 10 200 SH X X 2 200
BANK OF NEW YORK 064057102 256 4,527 SH X 1 4,527
BANK OF NEW YORK 064057102 592 10,485 SH X X 1 10,485
BANK OF NEW YORK 064057102 203 3,600 SH X 3 3,600
BANK ONE CORP 06423A103 468 12,292 SH X 1 12,292
BANK ONE CORP 06423A103 74 1,948 SH X X 1 1,948
BANKNORTH GROUP INC NEW 06646R107 267 14,948 SH X 1 13,894 1,054
BANKNORTH GROUP INC NEW 06646R107 899 50,295 SH X X 1 43,296 4,799 2,200
BANKNORTH GROUP INC NEW 06646R107 5 281 SH X 2 281
BAXTER INTERNATIONAL INC 071813109 128 1,600 SH X 1 1,600
BAXTER INTERNATIONAL INC 071813109 32 400 SH X X 1 400
BAXTER INTERNATIONAL INC 071813109 77 965 SH X 2 965
----------
PAGE TOTAL 10,450
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 5
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
BELLSOUTH CORP 079860102 4,494 110,951 SH X 1 106,701 4,250
BELLSOUTH CORP 079860102 1,514 37,390 SH X X 1 37,390
BELLSOUTH CORP 079860102 288 7,109 SH X 2 7,109
BELLSOUTH CORP 079860102 82 2,015 SH X 3 2,015
BELLSOUTH CORP 079860102 199 4,905 SH X X 3 4,905
BERKSHIRE HATHAWAY 084670108 258 4 SH X 1 4
BERKSHIRE HATHAWAY CLASS B 084670207 137 66 SH X 1 66
BERKSHIRE HATHAWAY CLASS B 084670207 114 55 SH X X 1 34 21
BERKSHIRE HATHAWAY CLASS B 084670207 21 10 SH X 3 10
BESTFOODS 08658U101 5,542 76,184 SH X 1 72,674 3,510
BESTFOODS 08658U101 1,714 23,563 SH X X 1 22,773 660 130
BESTFOODS 08658U101 115 1,578 SH X 2 1,578
BESTFOODS 08658U101 7 100 SH X X 2 100
BESTFOODS 08658U101 583 8,014 SH X 3 8,014
BOEING CO 097023105 24 380 SH X 1 380
BOEING CO 097023105 1,188 18,938 SH X X 1 4,810 14,128
BOEING CO 097023105 77 1,222 SH X 2 1,222
BOEING CO 097023105 10 156 SH X 3 156
BRISTOL MYERS SQUIBB CO 110122108 7,578 131,786 SH X 1 129,401 2,385
BRISTOL MYERS SQUIBB CO 110122108 3,065 53,301 SH X X 1 51,201 60 2,040
BRISTOL MYERS SQUIBB CO 110122108 423 7,355 SH X 2 7,355
BRISTOL MYERS SQUIBB CO 110122108 3 60 SH X X 2 60
BRISTOL MYERS SQUIBB CO 110122108 429 7,468 SH X 3 7,468
BURLINGTON NORTHERN SANTA FE 12189T104 167 7,750 SH X 1 7,450 300
BURLINGTON NORTHERN SANTA FE 12189T104 191 8,850 SH X X 1 4,350 4,500
----------
PAGE TOTAL 28,223
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 6
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
BURLINGTON NORTHERN SANTA FE 12189T104 10 472 SH X 2 472
CIGNA CORP 125509109 715 6,848 SH X 1 6,848
CIGNA CORP 125509109 136 1,300 SH X X 1 1,300
CAMPBELL SOUP CO 134429109 208 8,025 SH X 1 8,025
CAMPBELL SOUP CO 134429109 41 1,600 SH X X 1 1,600
CARDINAL HEALTH INC 14149Y108 3,069 34,805 SH X 1 33,365 1,440
CARDINAL HEALTH INC 14149Y108 435 4,930 SH X X 1 4,880 50
CARDINAL HEALTH INC 14149Y108 76 861 SH X 2 861
CARDINAL HEALTH INC 14149Y108 5 55 SH X X 2 55
CARDINAL HEALTH INC 14149Y108 399 4,525 SH X 3 4,525
CARDINAL HEALTH INC 14149Y108 18 200 SH X X 3 200
CARNIVAL CORP 143658102 168 6,815 SH X 1 6,715 100
CARNIVAL CORP 143658102 95 3,860 SH X X 1 3,860
CARNIVAL CORP 143658102 4 150 SH X 2 150
CARNIVAL CORP 143658102 2 100 SH X X 2 100
CENTRAL FINANCIAL CORP 153472105 1,993 36,240 SH X 1 36,240
CHAMPLAIN BANK CORP COM 15871P108 207 690 SH X 1 690
CHASE MANHATTAN CORP 16161A108 101 2,192 SH X 1 2,192
CHASE MANHATTAN CORP 16161A108 390 8,436 SH X X 1 8,436
CHASE MANHATTAN CORP 16161A108 8 168 SH X 3 168
CHEVRON CORP 166751107 4,075 47,800 SH X 1 47,025 775
CHEVRON CORP 166751107 732 8,585 SH X X 1 8,460 30 95
CHEVRON CORP 166751107 194 2,279 SH X 2 2,279
CHEVRON CORP 166751107 3 30 SH X X 2 30
CHEVRON CORP 166751107 340 3,985 SH X 3 3,985
----------
PAGE TOTAL 13,424
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 7
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
CHITTENDEN CORP 170228100 6,184 240,730 SH X 1 204,143 36,587
CHITTENDEN CORP 170228100 1,821 70,906 SH X X 1 44,581 20,263 6,062
CHITTENDEN CORP 170228100 64 2,500 SH X 2 2,500
CISCO SYSTEMS INC 17275R102 11,697 211,717 SH X 1 205,510 6,207
CISCO SYSTEMS INC 17275R102 3,607 65,284 SH X X 1 62,774 1,600 910
CISCO SYSTEMS INC 17275R102 362 6,545 SH X 2 6,545
CISCO SYSTEMS INC 17275R102 15 265 SH X X 2 265
CISCO SYSTEMS INC 17275R102 1,053 19,063 SH X 3 19,063
CISCO SYSTEMS INC 17275R102 177 3,200 SH X X 3 3,200
CITIGROUP INC 172967101 4,149 76,742 SH X 1 74,885 1,857
CITIGROUP INC 172967101 1,485 27,459 SH X X 1 27,301 46 112
CITIGROUP INC 172967101 108 1,991 SH X 2 1,991
CITIGROUP INC 172967101 4 72 SH X X 2 72
CITIGROUP INC 172967101 376 6,948 SH X 3 6,948
CITIGROUP INC 172967101 54 999 SH X X 3 999
COBBLE HILL HOLDINGS, INC CL B 19088P208 755 75,455 SH X X 1 75,455
COCA COLA CO 191216100 3,281 59,527 SH X 1 59,202 325
COCA COLA CO 191216100 1,972 35,765 SH X X 1 35,765
COCA COLA CO 191216100 670 12,160 SH X 2 12,160
COCA COLA CO 191216100 88 1,600 SH X 3 1,600
COLGATE PALMOLIVE CO 194162103 419 8,875 SH X 1 7,199 1,676
COLGATE PALMOLIVE CO 194162103 734 15,550 SH X X 1 15,550
COLGATE PALMOLIVE CO 194162103 70 1,480 SH X 3 1,480
COMMUNITY SERVICE TELEPHONE CO 20404P203 331 13,250 SH X 1 13,250
COMPAQ COMPUTER CORP 204493100 693 25,168 SH X 1 25,074 94
----------
PAGE TOTAL 40,169
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 8
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
COMPAQ COMPUTER CORP 204493100 91 3,300 SH X X 1 3,300
COMPAQ COMPUTER CORP 204493100 96 3,500 SH X 2 3,500
COMPAQ COMPUTER CORP 204493100 5 190 SH X 3 190
CORNING INC 219350105 332 1,119 SH X 1 1,119
CORNING INC 219350105 238 800 SH X X 1 800
CORNING INC 219350105 27 90 SH X 3 90
CUROCO CORPORATION (SUBCHAPTER 231293101 26 10,000 SH X 1 10,000
S CORPORATION)
DPL INC 233293109 352 11,816 SH X 1 11,816
DPL INC 233293109 62 2,092 SH X X 1 2,092
DANAHER CORP 235851102 3,203 64,385 SH X 1 62,500 1,885
DANAHER CORP 235851102 675 13,565 SH X X 1 12,480 915 170
DANAHER CORP 235851102 79 1,585 SH X 2 1,585
DANAHER CORP 235851102 4 85 SH X X 2 85
DANAHER CORP 235851102 418 8,396 SH X 3 8,396
DISNEY (WALT) COMPANY HOLDING CO 254687106 1,394 36,437 SH X 1 35,837 600
DISNEY (WALT) COMPANY HOLDING CO 254687106 371 9,706 SH X X 1 9,706
DISNEY (WALT) COMPANY HOLDING CO 254687106 196 5,125 SH X 2 5,125
DISNEY (WALT) COMPANY HOLDING CO 254687106 4 100 SH X X 2 100
DISNEY (WALT) COMPANY HOLDING CO 254687106 23 600 SH X X 3 600
DOMINION RES INC VA NEW 25746U109 165 2,841 SH X 1 2,841
DOMINION RES INC VA NEW 25746U109 105 1,803 SH X X 1 1,803
DOVER CORP 260003108 207 4,400 SH X 1 4,400
DOVER CORP 260003108 28 600 SH X X 1 600
DOVER CORP 260003108 94 2,000 SH X 3 2,000
DOW CHEMICAL CO 260543103 388 15,570 SH X 1 15,570
----------
PAGE TOTAL 8,583
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 9
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
DOW CHEMICAL CO 260543103 172 6,912 SH X X 1 6,912
DOW CHEMICAL CO 260543103 8 315 SH X 2 315
DUPONT E I DE NEMOURS & CO 263534109 5,544 135,643 SH X 1 133,198 2,445
DUPONT E I DE NEMOURS & CO 263534109 1,554 38,007 SH X X 1 37,907 65 35
DUPONT E I DE NEMOURS & CO 263534109 113 2,755 SH X 2 2,755
DUPONT E I DE NEMOURS & CO 263534109 20 500 SH X X 2 500
DUPONT E I DE NEMOURS & CO 263534109 5 115 SH X 3 115
DUPONT E I DE NEMOURS & CO 263534109 51 1,250 SH X X 3 1,250
DUKE ENERGY CORP 264399106 3,639 42,435 SH X 1 41,470 965
DUKE ENERGY CORP 264399106 624 7,276 SH X X 1 6,776 500
DUKE ENERGY CORP 264399106 78 905 SH X 2 905
DUKE ENERGY CORP 264399106 5 55 SH X X 2 55
DUKE ENERGY CORP 264399106 442 5,150 SH X 3 5,150
EMC CORP 268648102 7,923 79,624 SH X 1 72,654 6,970
EMC CORP 268648102 1,225 12,314 SH X X 1 12,129 50 135
EMC CORP 268648102 176 1,770 SH X 2 1,770
EMC CORP 268648102 6 60 SH X X 2 60
EMC CORP 268648102 772 7,755 SH X 3 7,755
EASTMAN KODAK CO 277461109 197 4,810 SH X 1 4,810
EASTMAN KODAK CO 277461109 209 5,110 SH X X 1 2,610 2,500
EASTMAN KODAK CO 277461109 9 224 SH X 2 224
EASTMAN KODAK CO 277461109 9 225 SH X X 2 225
EASTMAN KODAK CO 277461109 2 59 SH X 3 59
EASTMAN KODAK CO 277461109 8 200 SH X X 3 200
EMERSON ELECTRIC CO 291011104 598 8,925 SH X 1 8,925
----------
PAGE TOTAL 23,389
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 10
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
EMERSON ELECTRIC CO 291011104 299 4,467 SH X X 1 4,467
EMERSON ELECTRIC CO 291011104 87 1,300 SH X 2 1,300
EMERSON ELECTRIC CO 291011104 19 280 SH X 3 280
ENRON CORP 293561106 6,925 79,021 SH X 1 77,436 1,585
ENRON CORP 293561106 1,884 21,497 SH X X 1 19,752 1,575 170
ENRON CORP 293561106 92 1,050 SH X 2 1,050
ENRON CORP 293561106 7 85 SH X X 2 85
ENRON CORP 293561106 884 10,085 SH X 3 10,085
EXXON MOBIL CORP 30231G102 26,537 297,820 SH X 1 291,298 6,522
EXXON MOBIL CORP 30231G102 9,923 111,363 SH X X 1 111,208 60 95
EXXON MOBIL CORP 30231G102 1,115 12,518 SH X 2 12,518
EXXON MOBIL CORP 30231G102 5 55 SH X X 2 55
EXXON MOBIL CORP 30231G102 839 9,412 SH X 3 9,412
EXXON MOBIL CORP 30231G102 27 300 SH X X 3 300
FPL GROUP 302571104 903 13,727 SH X 1 13,727
FPL GROUP 302571104 275 4,184 SH X X 1 4,184
FANNIE MAE 313586109 9,093 127,175 SH X 1 124,930 2,245
FANNIE MAE 313586109 2,116 29,598 SH X X 1 29,388 60 150
FANNIE MAE 313586109 142 1,990 SH X 2 1,990
FANNIE MAE 313586109 6 85 SH X X 2 85
FANNIE MAE 313586109 609 8,520 SH X 3 8,520
----------
PAGE TOTAL 61,787
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 11
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
FIRST BRANDON NATIONAL BANK 319351102 109 10,000 SH X 1 10,000
FIRST BRANDON NATIONAL BANK 319351102 1,871 172,100 SH X X 1 172,100
FIRST UNION CORP 337358105 335 10,419 SH X 1 10,419
FIRST UNION CORP 337358105 77 2,400 SH X X 1 2,400
FLEETBOSTON FINANCIAL CORP 339030108 851 21,822 SH X 1 21,622 200
FLEETBOSTON FINANCIAL CORP 339030108 221 5,673 SH X X 1 5,673
FLEETBOSTON FINANCIAL CORP 339030108 342 8,763 SH X 2 8,763
FLEETBOSTON FINANCIAL CORP 339030108 21 534 SH X X 2 534
FLEETBOSTON FINANCIAL CORP 339030108 11 272 SH X 3 272
FORD MTR CO NEW 345370860 444 17,430 SH X 1 17,256 174
FORD MTR CO NEW 345370860 353 13,838 SH X X 1 13,664 174
FORD MTR CO NEW 345370860 10 388 SH X 3 388
FORD MTR CO NEW 345370860 18 699 SH X X 3 699
GANNETT INC 364730101 3,633 68,554 SH X 1 38,054 30,500
GANNETT INC 364730101 252 4,750 SH X X 1 4,750
GENERAL ELECTRIC 369604103 52,402 906,412 SH X 1 893,877 12,535
----------
PAGE TOTAL 60,950
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 12
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
GENERAL ELECTRIC 369604103 14,825 256,423 SH X X 1 244,804 10,429 1,190
GENERAL ELECTRIC 369604103 2,710 46,876 SH X 2 46,876
GENERAL ELECTRIC 369604103 12 215 SH X X 2 215
GENERAL ELECTRIC 369604103 1,304 22,558 SH X 3 22,558
GENERAL ELECTRIC 369604103 69 1,200 SH X X 3 1,200
GENERAL MILLS INC 370334104 142 4,000 SH X 1 4,000
GENERAL MILLS INC 370334104 78 2,200 SH X X 1 2,200
GENERAL MILLS INC 370334104 14 400 SH X 2 400
GENERAL MOTORS CORP 370442105 688 10,592 SH X 1 10,592
GENERAL MOTORS CORP 370442105 212 3,266 SH X X 1 3,266
GENERAL MOTORS CORP 370442105 59 900 SH X 2 900
GENERAL MOTORS CORP 370442105 13 200 SH X X 2 200
GILLETTE CO 375766102 418 13,543 SH X 1 9,143 4,400
GILLETTE CO 375766102 234 7,579 SH X X 1 7,579
GILLETTE CO 375766102 32 1,024 SH X 2 1,024
GILLETTE CO 375766102 6 200 SH X 3 200
HALLIBURTON CO 406216101 3,134 64,030 SH X 1 61,935 2,095
HALLIBURTON CO 406216101 562 11,493 SH X X 1 10,583 860 50
HALLIBURTON CO 406216101 58 1,190 SH X 2 1,190
HALLIBURTON CO 406216101 3 60 SH X X 2 60
HALLIBURTON CO 406216101 382 7,808 SH X 3 7,808
HARLEY-DAVIDSON INC 412822108 4,090 85,432 SH X 1 83,787 1,645
HARLEY-DAVIDSON INC 412822108 847 17,695 SH X X 1 16,195 1,400 100
HARLEY-DAVIDSON INC 412822108 62 1,305 SH X 2 1,305
HARLEY-DAVIDSON INC 412822108 4 85 SH X X 2 85
----------
PAGE TOTAL 29,958
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 13
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
HARLEY-DAVIDSON INC 412822108 380 7,939 SH X 3 7,939
HARLEY-DAVIDSON INC 412822108 10 200 SH X X 3 200
HEINZ H.J. CO 423074103 293 7,892 SH X 1 7,892
HEINZ H.J. CO 423074103 139 3,763 SH X X 1 3,763
HERSHEY FOODS CORP 427866108 22 400 SH X 1 400
HERSHEY FOODS CORP 427866108 422 7,800 SH X X 1 600 7,200
HEWLETT PACKARD CO 428236103 8,593 88,129 SH X 1 86,610 1,519
HEWLETT PACKARD CO 428236103 2,132 21,865 SH X X 1 21,300 435 130
HEWLETT PACKARD CO 428236103 87 890 SH X 2 890
HEWLETT PACKARD CO 428236103 8 80 SH X X 2 80
HEWLETT PACKARD CO 428236103 542 5,558 SH X 3 5,558
HEWLETT PACKARD CO 428236103 10 100 SH X X 3 100
HOME DEPOT INC 437076102 8,443 159,487 SH X 1 154,495 4,992
HOME DEPOT INC 437076102 1,900 35,892 SH X X 1 35,177 100 615
HOME DEPOT INC 437076102 284 5,374 SH X 2 5,374
HOME DEPOT INC 437076102 16 300 SH X X 2 300
HOME DEPOT INC 437076102 922 17,420 SH X 3 17,420
HOME DEPOT INC 437076102 52 975 SH X X 3 975
HONEYWELL INTL INC 438516106 154 4,330 SH X 1 4,330
HONEYWELL INTL INC 438516106 168 4,726 SH X X 1 4,726
HONEYWELL INTL INC 438516106 31 870 SH X 2 870
HONEYWELL INTL INC 438516106 33 928 SH X 3 928
ILLINOIS TOOL WORKS 452308109 673 12,042 SH X 1 11,992 50
ILLINOIS TOOL WORKS 452308109 185 3,308 SH X X 1 3,308
INTEL CORP 458140100 13,393 322,222 SH X 1 310,622 11,600
----------
PAGE TOTAL 38,892
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 14
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
INTEL CORP 458140100 3,808 91,615 SH X X 1 88,055 1,730 1,830
INTEL CORP 458140100 123 2,970 SH X 2 2,970
INTEL CORP 458140100 7 165 SH X X 2 165
INTEL CORP 458140100 726 17,465 SH X 3 17,465
INTERNATIONAL BUSINESS MACHINES 459200101 10,840 96,246 SH X 1 95,016 1,230
INTERNATIONAL BUSINESS MACHINES 459200101 3,499 31,071 SH X X 1 23,551 7,440 80
INTERNATIONAL BUSINESS MACHINES 459200101 275 2,441 SH X 2 2,441
INTERNATIONAL BUSINESS MACHINES 459200101 3 30 SH X X 2 30
INTERNATIONAL BUSINESS MACHINES 459200101 531 4,719 SH X 3 4,719
JOHNSON & JOHNSON INC 478160104 9,600 102,198 SH X 1 101,373 825
JOHNSON & JOHNSON INC 478160104 4,409 46,934 SH X X 1 30,100 16,614 220
JOHNSON & JOHNSON INC 478160104 280 2,985 SH X 2 2,985
JOHNSON & JOHNSON INC 478160104 5 55 SH X X 2 55
JOHNSON & JOHNSON INC 478160104 575 6,121 SH X 3 6,121
JOHNSON & JOHNSON INC 478160104 16 170 SH X X 3 170
KIMBERLY CLARK CORP 494368103 337 6,040 SH X 1 6,010 30
KIMBERLY CLARK CORP 494368103 187 3,348 SH X X 1 3,348
KIMBERLY CLARK CORP 494368103 37 654 SH X 2 654
LILLY ELI & CO 532457108 723 8,915 SH X 1 8,915
LILLY ELI & CO 532457108 389 4,795 SH X X 1 4,795
LUCENT TECHNOLOGIES INC 549463107 5,145 168,696 SH X 1 162,451 6,245
LUCENT TECHNOLOGIES INC 549463107 1,234 40,473 SH X X 1 40,288 70 115
LUCENT TECHNOLOGIES INC 549463107 239 7,841 SH X 2 7,841
----------
PAGE TOTAL 42,988
<CAPTION>
CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 15
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
LUCENT TECHNOLOGIES INC 549463107 5 170 SH X X 2 170
LUCENT TECHNOLOGIES INC 549463107 497 16,302 SH X 3 16,302
LUCENT TECHNOLOGIES INC 549463107 46 1,508 SH X X 3 1,508
MBIA INC 55262C100 343 4,820 SH X 1 4,220 600
MBIA INC 55262C100 100 1,400 SH X X 1 1,400
MBNA CORP 55262L100 3,102 80,581 SH X 1 78,616 1,965
MBNA CORP 55262L100 521 13,535 SH X X 1 13,535
MBNA CORP 55262L100 77 2,000 SH X 2 2,000
MBNA CORP 55262L100 4 115 SH X X 2 115
MBNA CORP 55262L100 400 10,400 SH X 3 10,400
MARSH & MCLENNAN COS INC 571748102 81 612 SH X 1 612
MARSH & MCLENNAN COS INC 571748102 20 150 SH X X 1 150
MARSH & MCLENNAN COS INC 571748102 139 1,044 SH X 2 1,044
MARSHALL & ILSLEY CORP 571834100 727 14,500 SH X 1 14,500
MARRIOTT INTERNATIONAL CL A 571903202 652 17,902 SH X 1 17,902
MARRIOTT INTERNATIONAL CL A 571903202 26 700 SH X X 1 700
MAY DEPARTMENT STORES 577778103 191 9,305 SH X 1 9,305
MAY DEPARTMENT STORES 577778103 100 4,874 SH X X 1 4,874
MAY DEPARTMENT STORES 577778103 14 703 SH X 2 703
MCDONALDS CORP 580135101 790 26,181 SH X 1 26,181
MCDONALDS CORP 580135101 77 2,550 SH X X 1 2,350 200
MCDONALDS CORP 580135101 7 230 SH X 2 230
MCDONALDS CORP 580135101 72 2,400 SH X 3 2,400
MCGRAW HILL COMPANIES INC 580645109 435 6,850 SH X 1 6,850
MCGRAW HILL COMPANIES INC 580645109 264 4,150 SH X X 1 4,150
----------
PAGE TOTAL 8,690
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 16
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
MCGRAW HILL COMPANIES INC 580645109 51 800 SH X 2 800
MEDTRONIC INC 585055106 4,633 89,419 SH X 1 85,144 4,275
MEDTRONIC INC 585055106 959 18,503 SH X X 1 17,453 875 175
MEDTRONIC INC 585055106 64 1,235 SH X 2 1,235
MEDTRONIC INC 585055106 4 85 SH X X 2 85
MEDTRONIC INC 585055106 495 9,555 SH X 3 9,555
MEDTRONIC INC 585055106 10 200 SH X X 3 200
MERCHANTS BANCSHARES INC 588448100 203 9,343 SH X 1 9,343
MERCHANTS BANCSHARES INC 588448100 333 15,310 SH X X 1 15,310
MERCK & CO INC 589331107 10,499 141,038 SH X 1 135,153 5,885
MERCK & CO INC 589331107 3,554 47,742 SH X X 1 31,901 14,306 1,535
MERCK & CO INC 589331107 259 3,480 SH X 2 3,480
MERCK & CO INC 589331107 4 55 SH X X 2 55
MERCK & CO INC 589331107 394 5,298 SH X 3 5,298
MERCK & CO INC 589331107 37 500 SH X X 3 500
MERRILL LYNCH & CO., INC. 590188108 5,107 77,378 SH X 1 75,588 1,790
MERRILL LYNCH & CO., INC. 590188108 935 14,164 SH X X 1 13,914 70 180
MERRILL LYNCH & CO., INC. 590188108 96 1,450 SH X 2 1,450
MERRILL LYNCH & CO., INC. 590188108 4 60 SH X X 2 60
MERRILL LYNCH & CO., INC. 590188108 415 6,281 SH X 3 6,281
MICROSOFT CORP 594918104 7,545 125,102 SH X 1 119,337 5,765
MICROSOFT CORP 594918104 1,450 24,033 SH X X 1 22,468 1,040 525
MICROSOFT CORP 594918104 81 1,335 SH X 2 1,335
MICROSOFT CORP 594918104 1 10 SH X X 2 10
MICROSOFT CORP 594918104 356 5,899 SH X 3 5,899
----------
PAGE TOTAL 37,489
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 17
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
MICROSOFT CORP 594918104 12 200 SH X X 3 200
MINNESOTA MINING & MFG CO 604059105 2,072 22,743 SH X 1 22,743
MINNESOTA MINING & MFG CO 604059105 951 10,437 SH X X 1 7,237 3,200
MORGAN, J P & CO 616880100 1,679 10,274 SH X 1 10,274
MORGAN, J P & CO 616880100 1,525 9,332 SH X X 1 5,832 3,500
MORGAN, J P & CO 616880100 106 650 SH X 2 650
MORGAN, J P & CO 616880100 8 50 SH X X 2 50
MORGAN, J P & CO 616880100 65 400 SH X 3 400
MORGAN STANLEY DEAN WITTER & CO 617446448 191 2,092 SH X 1 2,092
MORGAN STANLEY DEAN WITTER & CO 617446448 14 152 SH X X 1 152
MORGAN STANLEY DEAN WITTER & CO 617446448 29 312 SH X 2 312
MOTOROLA INC 620076109 240 8,140 SH X 1 8,140
MOTOROLA INC 620076109 36 1,210 SH X X 1 1,160 50
MOTOROLA INC 620076109 65 2,220 SH X 2 2,220
NOKIA CORP SPONSORED ADR 654902204 94 2,338 SH X 1 2,338
NOKIA CORP SPONSORED ADR 654902204 72 1,800 SH X X 1 1,000 800
NOKIA CORP SPONSORED ADR 654902204 220 5,490 SH X 2 5,490
NORFOLK SOUTHERN CORP 655844108 219 14,998 SH X 1 11,134 3,864
NORFOLK SOUTHERN CORP 655844108 45 3,064 SH X X 1 3,064
NORFOLK SOUTHERN CORP 655844108 4 270 SH X 2 270
NORTEL NETWORKS CORP NEW 656568102 1,341 22,535 SH X 1 22,100 435
NORTEL NETWORKS CORP NEW 656568102 144 2,415 SH X X 1 2,365 50
NORTEL NETWORKS CORP NEW 656568102 5 80 SH X 2 80
ORACLE CORPORATION 68389X105 6,726 85,409 SH X 1 82,404 3,005
ORACLE CORPORATION 68389X105 1,712 21,739 SH X X 1 21,639 100
----------
PAGE TOTAL 17,575
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 18
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
ORACLE CORPORATION 68389X105 100 1,275 SH X 2 1,275
ORACLE CORPORATION 68389X105 5 60 SH X X 2 60
ORACLE CORPORATION 68389X105 905 11,496 SH X 3 11,496
ORACLE CORPORATION 68389X105 26 336 SH X X 3 336
PE BIOSYSTEMS GROUP 69332S102 303 2,600 SH X 1 2,200 400
COM
PNC FINANCIAL SERVICES GROUP 693475105 215 3,314 SH X 1 3,314
PPG INDUSTRIES INC 693506107 301 7,585 SH X 1 7,585
PPG INDUSTRIES INC 693506107 218 5,493 SH X X 1 5,493
PPG INDUSTRIES INC 693506107 12 300 SH X 2 300
PEPSICO INC 713448108 6,890 149,784 SH X 1 145,864 3,920
PEPSICO INC 713448108 1,984 43,125 SH X X 1 40,970 85 2,070
----------
PAGE TOTAL 10,959
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 19
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
PEPSICO INC 713448108 118 2,570 SH X 2 2,570
PEPSICO INC 713448108 5 110 SH X X 2 110
PEPSICO INC 713448108 423 9,188 SH X 3 9,188
PEPSICO INC 713448108 14 295 SH X X 3 295
PFIZER INC 717081103 8,767 195,167 SH X 1 192,332 2,835
PFIZER INC 717081103 5,422 120,704 SH X X 1 115,051 1,075 4,578
PFIZER INC 717081103 555 12,360 SH X 2 12,360
PFIZER INC 717081103 4 85 SH X X 2 85
PFIZER INC 717081103 689 15,336 SH X 3 15,336
PHARMACIA CORPORATION 71713U102 402 6,675 SH X 1 6,675
PHARMACIA CORPORATION 71713U102 861 14,300 SH X X 1 14,300
PHARMACIA CORPORATION 71713U102 14 238 SH X X 2 238
PHILIP MORRIS COMPANIES INC 718154107 452 15,363 SH X 1 15,263 100
PHILIP MORRIS COMPANIES INC 718154107 82 2,800 SH X X 1 2,800
PHILIP MORRIS COMPANIES INC 718154107 18 600 SH X 2 600
PHILIP MORRIS COMPANIES INC 718154107 265 9,000 SH X 3 9,000
PRAXAIR INC 74005P104 3,057 81,783 SH X 1 79,473 2,310
PRAXAIR INC 74005P104 423 11,311 SH X X 1 10,581 670 60
PRAXAIR INC 74005P104 67 1,795 SH X 2 1,795
PRAXAIR INC 74005P104 4 115 SH X X 2 115
PRAXAIR INC 74005P104 419 11,206 SH X 3 11,206
PRAXAIR INC 74005P104 3 75 SH X X 3 75
PROCTER & GAMBLE CO 742718109 5,453 81,386 SH X 1 79,466 1,920
PROCTER & GAMBLE CO 742718109 989 14,754 SH X X 1 13,394 1,250 110
PROCTER & GAMBLE CO 742718109 161 2,410 SH X 2 2,410
----------
PAGE TOTAL 28,667
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 20
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
PROCTER & GAMBLE CO 742718109 4 55 SH X X 2 55
PROCTER & GAMBLE CO 742718109 429 6,396 SH X 3 6,396
PROCTER & GAMBLE CO 742718109 31 464 SH X X 3 464
PROVIDIAN FINANCIAL CORP 74406A102 229 1,800 SH X 1 1,800
COM
QUAKER OATS CO 747402105 261 3,300 SH X 1 3,300
QWEST COMMUNICATIONS INTL INC 749121109 863 17,934 SH X 1 17,934
QWEST COMMUNICATIONS INTL INC 749121109 1,072 22,284 SH X X 1 22,284
QWEST COMMUNICATIONS INTL INC 749121109 41 855 SH X 2 855
QWEST COMMUNICATIONS INTL INC 749121109 41 844 SH X 3 844
ROYAL DUTCH PETROLEUM NY REG SH 780257804 1,641 27,372 SH X 1 27,372
PAR N GLDR 1.25
ROYAL DUTCH PETROLEUM NY REG SH 780257804 769 12,822 SH X X 1 12,722 100
PAR N GLDR 1.25
ROYAL DUTCH PETROLEUM NY REG SH 780257804 30 500 SH X 2 500
PAR N GLDR 1.25
SBC COMMUNICATIONS INC 78387G103 4,691 94,047 SH X 1 91,169 2,878
SBC COMMUNICATIONS INC 78387G103 2,345 47,020 SH X X 1 47,020
SBC COMMUNICATIONS INC 78387G103 302 6,048 SH X 2 6,048
SBC COMMUNICATIONS INC 78387G103 216 4,328 SH X 3 4,328
SARA LEE CORP 803111103 446 21,980 SH X 1 21,980
SARA LEE CORP 803111103 177 8,725 SH X X 1 8,725
SARA LEE CORP 803111103 20 1,000 SH X 2 1,000
SCHERING-PLOUGH CORP 806605101 5,491 117,928 SH X 1 116,518 1,410
SCHERING-PLOUGH CORP 806605101 729 15,665 SH X X 1 14,540 1,075 50
SCHERING-PLOUGH CORP 806605101 101 2,167 SH X 2 2,167
SCHERING-PLOUGH CORP 806605101 4 85 SH X X 2 85
SCHERING-PLOUGH CORP 806605101 432 9,287 SH X 3 9,287
SCHLUMBERGER LTD 806857108 3,672 44,613 SH X 1 43,573 1,040
----------
PAGE TOTAL 24,037
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 21
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
SCHLUMBERGER LTD 806857108 754 9,164 SH X X 1 8,499 535 130
SCHLUMBERGER LTD 806857108 66 805 SH X 2 805
SCHLUMBERGER LTD 806857108 5 55 SH X X 2 55
SCHLUMBERGER LTD 806857108 450 5,470 SH X 3 5,470
SCHLUMBERGER LTD 806857108 28 335 SH X X 3 335
SCHWAB CHARLES CORP 808513105 204 5,740 SH X 1 5,740
SMITHKLINE BEECHAM P.L.C. ADR 832378301 594 8,663 SH X 1 8,663
REPSTG ORD A
SMITHKLINE BEECHAM P.L.C. ADR 832378301 176 2,559 SH X X 1 2,559
REPSTG ORD A
SMITHKLINE BEECHAM P.L.C. ADR 832378301 27 400 SH X 2 400
REPSTG ORD A
SOLECTRON CORP 834182107 4,902 106,282 SH X 1 99,427 6,855
SOLECTRON CORP 834182107 991 21,475 SH X X 1 18,375 3,000 100
SOLECTRON CORP 834182107 65 1,410 SH X 2 1,410
SOLECTRON CORP 834182107 5 115 SH X X 2 115
SOLECTRON CORP 834182107 489 10,593 SH X 3 10,593
SOUTHERN CO 842587107 72 2,220 SH X 1 2,220
SOUTHERN CO 842587107 172 5,300 SH X X 1 5,300
STAPLES INCORPORATED 855030102 135 9,495 SH X 1 9,495
(RETAIL & DELIVERY)
STAPLES INCORPORATED 855030102 34 2,380 SH X X 1 2,380
(RETAIL & DELIVERY)
STAPLES INCORPORATED 855030102 4 300 SH X 2 300
(RETAIL & DELIVERY)
STAPLES INCORPORATED 855030102 4 250 SH X X 2 250
(RETAIL & DELIVERY)
STATE STREET CORP 857477103 6,174 47,452 SH X 1 46,462 990
STATE STREET CORP 857477103 1,010 7,761 SH X X 1 7,048 35 678
STATE STREET CORP 857477103 116 890 SH X 2 890
STATE STREET CORP 857477103 4 30 SH X X 2 30
STATE STREET CORP 857477103 463 3,560 SH X 3 3,560
----------
PAGE TOTAL 16,944
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 22
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
SUN MICROSYSTEMS INC 866810104 6,761 57,913 SH X 1 56,348 1,565
SUN MICROSYSTEMS INC 866810104 1,230 10,535 SH X X 1 10,365 40 130
SUN MICROSYSTEMS INC 866810104 189 1,620 SH X 2 1,620
SUN MICROSYSTEMS INC 866810104 7 60 SH X X 2 60
SUN MICROSYSTEMS INC 866810104 736 6,303 SH X 3 6,303
SYSCO CORP 871829107 4,795 103,540 SH X 1 100,990 2,550
SYSCO CORP 871829107 701 15,145 SH X X 1 13,570 1,500 75
SYSCO CORP 871829107 70 1,515 SH X 2 1,515
SYSCO CORP 871829107 3 75 SH X X 2 75
SYSCO CORP 871829107 442 9,538 SH X 3 9,538
TECO ENERGY INC 872375100 198 6,875 SH X 1 6,875
TECO ENERGY INC 872375100 282 9,804 SH X X 1 9,804
TECO ENERGY INC 872375100 9 300 SH X 2 300
TARGET CORP 87612E106 3,364 131,275 SH X 1 128,240 3,035
TARGET CORP 87612E106 462 18,025 SH X X 1 17,755 100 170
TARGET CORP 87612E106 64 2,490 SH X 2 2,490
TARGET CORP 87612E106 4 175 SH X X 2 175
TARGET CORP 87612E106 510 19,905 SH X 3 19,905
TEXACO INC 881694103 711 13,550 SH X 1 13,550
TEXACO INC 881694103 160 3,046 SH X X 1 3,046
TEXACO INC 881694103 2 34 SH X 2 34
TEXACO INC 881694103 11 200 SH X 3 200
TEXAS INSTRUMENTS 882508104 242 5,118 SH X 1 5,118
TEXAS INSTRUMENTS 882508104 10 210 SH X X 1 210
TIME WARNER INC 887315109 980 12,512 SH X 1 12,512
----------
PAGE TOTAL 21,943
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 23
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
TIME WARNER INC 887315109 102 1,300 SH X X 1 1,300
TIME WARNER INC 887315109 16 210 SH X 3 210
TYCO INTERNATIONAL LTD NEW 902124106 6,539 126,062 SH X 1 122,202 3,860
TYCO INTERNATIONAL LTD NEW 902124106 1,515 29,202 SH X X 1 28,932 100 170
TYCO INTERNATIONAL LTD NEW 902124106 112 2,150 SH X 2 2,150
TYCO INTERNATIONAL LTD NEW 902124106 9 175 SH X X 2 175
TYCO INTERNATIONAL LTD NEW 902124106 570 10,990 SH X 3 10,990
UNILEVER N V 904784709 498 10,327 SH X 1 10,327
NEW YORK SHS N
UNILEVER N V 904784709 150 3,099 SH X X 1 3,099
NEW YORK SHS N
UNION BANKSHARES INC 905400107 197 11,700 SH X 1 11,700
UNION CARBIDE CORP 905581104 188 4,975 SH X 1 4,975
UNION CARBIDE CORP 905581104 25 650 SH X X 1 650
UNION PACIFIC CORP 907818108 251 6,456 SH X 1 6,456
UNION PACIFIC CORP 907818108 190 4,875 SH X X 1 1,675 800 2,400
UNITED TECHNOLOGIES CORP 913017109 4,064 58,581 SH X 1 57,461 1,120
UNITED TECHNOLOGIES CORP 913017109 843 12,157 SH X X 1 12,062 50 45
UNITED TECHNOLOGIES CORP 913017109 166 2,390 SH X 2 2,390
UNITED TECHNOLOGIES CORP 913017109 4 55 SH X X 2 55
UNITED TECHNOLOGIES CORP 913017109 422 6,080 SH X 3 6,080
UNITEDHEALTH GROUP INC 91324P102 166 1,685 SH X 1 1,520 165
UNITEDHEALTH GROUP INC 91324P102 77 775 SH X X 1 675 100
----------
PAGE TOTAL 16,104
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 24
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
VERIZON COMMUNICATIONS 92343V104 8,482 175,115 SH X 1 169,956 5,159
VERIZON COMMUNICATIONS 92343V104 3,577 73,838 SH X X 1 73,632 67 139
VERIZON COMMUNICATIONS 92343V104 374 7,728 SH X 2 7,728
VERIZON COMMUNICATIONS 92343V104 3 71 SH X X 2 71
VERIZON COMMUNICATIONS 92343V104 642 13,262 SH X 3 13,262
VERIZON COMMUNICATIONS 92343V104 167 3,439 SH X X 3 3,439
VIACOM INC CL B NON-VOTING 925524308 1,714 29,307 SH X 1 28,680 627
VIACOM INC CL B NON-VOTING 925524308 153 2,620 SH X X 1 2,555 65
VIACOM INC CL B NON-VOTING 925524308 43 740 SH X 2 740
VIACOM INC CL B NON-VOTING 925524308 1 10 SH X X 2 10
VIACOM INC CL B NON-VOTING 925524308 306 5,235 SH X 3 5,235
VIACOM INC CL B NON-VOTING 925524308 38 651 SH X X 3 651
VODAFONE GROUP PLC 92857W100 406 10,980 SH X 1 9,980 1,000
VODAFONE GROUP PLC 92857W100 119 3,215 SH X X 1 3,215
VODAFONE GROUP PLC 92857W100 66 1,795 SH X 2 1,795
VODAFONE GROUP PLC 92857W100 35 933 SH X 3 933
----------
PAGE TOTAL 16,126
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 25
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
WAL-MART STORES 931142103 4,291 89,170 SH X 1 87,250 1,920
WAL-MART STORES 931142103 789 16,398 SH X X 1 16,258 85 55
WAL-MART STORES 931142103 140 2,915 SH X 2 2,915
WAL-MART STORES 931142103 4 75 SH X X 2 75
WAL-MART STORES 931142103 684 14,222 SH X 3 14,222
WALGREEN CO 931422109 1,225 32,300 SH X 1 31,900 400
WALGREEN CO 931422109 461 12,150 SH X X 1 11,750 400
WALGREEN CO 931422109 8 200 SH X 2 200
WALGREEN CO 931422109 6 150 SH X X 2 150
WALGREEN CO 931422109 147 3,880 SH X 3 3,880
WELLS FARGO & CO NEW 949746101 3,707 80,701 SH X 1 77,996 2,705
WELLS FARGO & CO NEW 949746101 855 18,619 SH X X 1 18,414 65 140
WELLS FARGO & CO NEW 949746101 93 2,030 SH X 2 2,030
WELLS FARGO & CO NEW 949746101 4 85 SH X X 2 85
WELLS FARGO & CO NEW 949746101 625 13,606 SH X 3 13,606
WILLIAMS CO INC 969457100 292 6,900 SH X 1 6,900
WILLIAMS CO INC 969457100 169 4,000 SH X X 1 4,000
WILLIAMS CO INC 969457100 29 690 SH X 3 690
WORLDCOM INC GA NEW 98157D106 4,123 135,738 SH X 1 132,219 3,519
WORLDCOM INC GA NEW 98157D106 766 25,202 SH X X 1 24,762 115 325
WORLDCOM INC GA NEW 98157D106 83 2,745 SH X 2 2,745
WORLDCOM INC GA NEW 98157D106 4 120 SH X X 2 120
WORLDCOM INC GA NEW 98157D106 624 20,541 SH X 3 20,541
----------
PAGE TOTAL 19,129
<CAPTION>
CHITTENDEN CORPORATION SECURITIES AND EXCHANGE COMMISSION FORM 13-F 10/10/00 PAGE 26
AS OF 09/30/00
- - - COLUMN 1 AND 2 - - - - - - COLUMN 3 - COLUMN 4 - - -COLUMN 5 - - - - COLUMN 6- - COLUMN 7- - - - - - COLUMN 8- - - - -
INVESTMENT
MARKET DISCRETION VOTING AUTHORITY
VALUE SHS OR SH/ PUT/ SOLE SHR OTHER SOLE SHARED NONE
ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C)
<C> <C> <C> <C> <C> <C> <C>
XCEL ENERGY INC 98389B100 143 5,204 SH X 1 5,204
XCEL ENERGY INC 98389B100 69 2,512 SH X X 1 2,512
XCEL ENERGY INC 98389B100 7 240 SH X 2 240
----------
PAGE TOTAL 219
FINAL TOTALS 656,726
</TABLE>