CHITTENDEN TRUST CO/VT
13F-HR, 2000-10-23
Previous: SCANSOURCE INC, 8-K, EX-16, 2000-10-23
Next: DIME BANCORP INC, 8-K, 2000-10-23



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>


© 2022 IncJournal is not affiliated with or endorsed by the U.S. Securities and Exchange Commission