Security National Trust

Security National Trust as of June 30, 2003

Portfolio Holdings for Security National Trust

Security National Trust holds 0 positions in its portfolio as reported in the June 2003 quarterly 13F filing

                {S}				{C}		   {C}
                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

DAIMLER CHRYSLER AG ORD                         D1668R123       10      300 SH       SOLE                      300        0        0
DAIMLER CHRYSLER AG ORD                         D1668R123       10      300 SH       OTHER                     300        0        0
GLOBALSANTAFE CORPORATION                       G3930E101       42     1800 SH       OTHER                    1800        0        0
INGERSOLL-RAND CL A                             G4776G101       99     2100 SH       SOLE                     2100        0        0
INGERSOLL-RAND CL A                             G4776G101       37      800 SH       OTHER                     200        0      600
TRANSOCEAN INC                                  G90078109       10      459 SH       SOLE                      459        0        0
TRANSOCEAN INC                                  G90078109        7      347 SH       OTHER                     347        0        0
FLEXTRONICS INTL LTD        ORD                 Y2573F102       20     2000 SH       SOLE                     2000        0        0
A D C TELECOMMUNICATIONS    COM                 000886101        2     1300 SH       SOLE                     1300        0        0
AFLAC INC                                       001055102       95     3100 SH       OTHER                    3100        0        0
AOL TIME WARNER INC         COM                 00184A105       79     4925 SH       SOLE                     4925        0        0
AOL TIME WARNER INC         COM                 00184A105      256    15970 SH       OTHER                    6670        0     9300
AT & T CORPORATION                              001957505       22     1148 SH       SOLE                     1148        0        0
AT & T CORPORATION                              001957505       27     1452 SH       OTHER                    1452        0        0
AT^T WIRELESS SVCS INC      COM                 00209A106       14     1712 SH       SOLE                     1712        0        0
AT^T WIRELESS SVCS INC      COM                 00209A106       21     2636 SH       OTHER                    2636        0        0
ABBOTT LABS                 COM                 002824100      185     4236 SH       SOLE                     4236        0        0
ABBOTT LABS                 COM                 002824100      218     5000 SH       OTHER                    2100        0     2900
ADVANCE FINANCIAL BANCORP                       007437106      137     6030 SH       SOLE                     6030        0        0
AGERE SYSTEMS INC  CL A                         00845V100        0        5 SH       SOLE                        5        0        0
AGERE SYSTEMS INC  CL A                         00845V100        0        2 SH       OTHER                       2        0        0
AGERE SYSTEMS INC   CL B                        00845V209        1      567 SH       SOLE                      567        0        0
AGERE SYSTEMS INC   CL B                        00845V209        0       74 SH       OTHER                      74        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101        8      428 SH       SOLE                      428        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101        9      482 SH       OTHER                     482        0        0
AIR PRODS & CHEMS INC       COM                 009158106        1       48 SH       SOLE                       48        0        0
AIR PRODS & CHEMS INC       COM                 009158106       83     2000 SH       OTHER                       0        0     2000
ALBERTO-CULVER CO                               013068200        3       75 SH       SOLE                       75        0        0
ALCOA INC                   COM                 013817101       50     1974 SH       SOLE                     1974        0        0
ALCOA INC                   COM                 013817101      132     5200 SH       OTHER                    5200        0        0
ALLEGHENY ENERGY INC        COM                 017361106        5      600 SH       SOLE                      600        0        0
ALLIANT ENERGY CORP                             018802108        7      400 SH       OTHER                       0        0      400
ALLSTATE CORP               COM                 020002101      260     7300 SH       SOLE                     7300        0        0
ALLSTATE CORP               COM                 020002101      242     6800 SH       OTHER                    6800        0        0
ALLTEL CORP                 COM                 020039103       24      500 SH       SOLE                      500        0        0
ALLTEL CORP                 COM                 020039103       33      700 SH       OTHER                     700        0        0
ALTRIA GROUP INC                                02209S103      174     3840 SH       SOLE                     3840        0        0
ALTRIA GROUP INC                                02209S103     1072    23610 SH       OTHER                   19610        0     4000
AMEREN CORPORATION                              023608102       11      257 SH       OTHER                     257        0        0
AMERICAN ELEC PWR INC       COM                 025537101       67     2273 SH       SOLE                     2273        0        0
AMERICAN ELEC PWR INC       COM                 025537101       33     1134 SH       OTHER                    1134        0        0
AMERICAN EXPRESS CO         COM                 025816109      242     5812 SH       SOLE                     5812        0        0
AMERICAN EXPRESS CO         COM                 025816109      210     5025 SH       OTHER                    5025        0        0
AMERICAN INTL GROUP INC     COM                 026874107      443     8034 SH       SOLE                     8034        0        0
AMERICAN INTL GROUP INC     COM                 026874107     1423    25806 SH       OTHER                   25806        0        0
AMERISOURCEBERGEN CORP      COM                 03073E105       70     1015 SH       SOLE                     1015        0        0
AMERISOURCEBERGEN CORP      COM                 03073E105      225     3250 SH       OTHER                    2000        0     1250
AMGEN INC                   COM                 031162100      389     5900 SH       SOLE                     5900        0        0
AMGEN INC                   COM                 031162100     1637    24835 SH       OTHER                   22835        0     2000
AMSOUTH BANCORPORATION                          032165102      168     7700 SH       SOLE                     7700        0        0
AMSOUTH BANCORPORATION                          032165102        6      300 SH       OTHER                     300        0        0
ANADARKO PETE CORP          COM                 032511107       47     1064 SH       SOLE                     1064        0        0
ANADARKO PETE CORP          COM                 032511107       16      376 SH       OTHER                     376        0        0
ANHEUSER BUSCH COS INC      COM                 035229103      362     7110 SH       SOLE                     7110        0        0
ANHEUSER BUSCH COS INC      COM                 035229103      553    10850 SH       OTHER                   10850        0        0
ANTHEM INC                                      03674B104        8      106 SH       SOLE                      106        0        0
APACHE CORP                 COM                 037411105      159     2458 SH       SOLE                     2458        0        0
APACHE CORP                 COM                 037411105       51      785 SH       OTHER                     555        0      230
APOLLO GROUP INC                                037604105       61     1000 SH       SOLE                     1000        0        0
APOLLO GROUP INC                                037604105       18      300 SH       OTHER                     300        0        0
APPLEBEES INTERNATIONAL INC                     037899101       15      500 SH       OTHER                     500        0        0
APPLIED MATLS INC           COM                 038222105      187    11825 SH       SOLE                    11825        0        0
APPLIED MATLS INC           COM                 038222105      204    12900 SH       OTHER                    9500        0     3400
ARCHER DANIELS MIDLAND CO   COM                 039483102       26     2067 SH       OTHER                    2067        0        0
ARCHSTONE-SMITH TRUST                           039583109        6      250 SH       OTHER                     250        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103       54     1600 SH       SOLE                     1600        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103      453    13400 SH       OTHER                   13400        0        0
AVALONBAY COMMUNITIES INC                       053484101        4      100 SH       OTHER                     100        0        0
AVAYA INC                   COM                 053499109        1      166 SH       SOLE                      166        0        0
AVAYA INC                   COM                 053499109        1      168 SH       OTHER                      70        0       98
GDR AVENTIS ADR                                 053561106       13      250 SH       SOLE                      250        0        0
AVERY DENNISON CORP         COM                 053611109       20      400 SH       OTHER                     400        0        0
AVON PRODS INC              COM                 054303102       27      450 SH       SOLE                      450        0        0
AVON PRODS INC              COM                 054303102       74     1200 SH       OTHER                     200        0     1000
BB^T CORP                                       054937107      105     3074 SH       OTHER                    3074        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      338     8050 SH       SOLE                     8050        0        0
BP AMOCO P L C              SPONSORED ADR       055622104     1259    29968 SH       OTHER                   26468        0     3500
B2B INTERNET HOLDRS TR      DEPOSTRY RCPT       056033103        0      300 SH       SOLE                      300        0        0
BAKER HUGHES INC            COM                 057224107      101     3039 SH       SOLE                     3039        0        0
BAKER HUGHES INC            COM                 057224107      122     3650 SH       OTHER                    3450        0      200
BANK OF AMERICA CORPORATION COM                 060505104      391     4950 SH       SOLE                     4950        0        0
BANK OF AMERICA CORPORATION COM                 060505104      356     4516 SH       OTHER                    2642        0     1874
BANK NEW YORK INC           COM                 064057102       28     1004 SH       SOLE                     1004        0        0
BANK ONE CORP               COM                 06423A103      109     2957 SH       SOLE                     2957        0        0
BANK ONE CORP               COM                 06423A103     2691    72385 SH       OTHER                   72385        0        0
BAXTER INTL INC             COM                 071813109       83     3205 SH       SOLE                     3205        0        0
BAXTER INTL INC             COM                 071813109      517    19922 SH       OTHER                   19522        0      400
BELLSOUTH CORP              COM                 079860102      257     9672 SH       SOLE                     9672        0        0
BELLSOUTH CORP              COM                 079860102      373    14022 SH       OTHER                    9522        0     4500
BELMONT BANCORP             COM                 080162100       32     6474 SH       SOLE                     6474        0        0
BELMONT BANCORP             COM                 080162100       55    11000 SH       OTHER                   11000        0        0
BEMIS CO INC                                    081437105        3       85 SH       SOLE                       85        0        0
BIOMET INC                  COM                 090613100       74     2600 SH       SOLE                     2600        0        0
BIOMET INC                  COM                 090613100      312    10900 SH       OTHER                    2200        0     8700
BLACK & DECKER CORP                             091797100       13      300 SH       SOLE                      300        0        0
BLACK & DECKER CORP                             091797100       47     1100 SH       OTHER                    1100        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

BLACKROCK INVT QUALITY TERM COM                 09247J102       47     5000 SH       OTHER                    5000        0        0
BLACKROCK CORE BD TR        SHS BEN INT         09249E101       90     6000 SH       OTHER                    6000        0        0
BOEING CO                   COM                 097023105      120     3500 SH       SOLE                     3500        0        0
BOEING CO                   COM                 097023105       64     1868 SH       OTHER                     700        0     1168
BRISTOL MYERS SQUIBB CO     COM                 110122108      458    16883 SH       SOLE                    16883        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108     3952   145617 SH       OTHER                  133944        0    11673
BURLINGTON NORTHN SANTA FE CCOM                 12189T104       15      540 SH       OTHER                     540        0        0
BURLINGTON RES INC          COM                 122014103       31      589 SH       OTHER                     589        0        0
CH ENERGY GROUP INC                             12541M102       13      300 SH       OTHER                     300        0        0
CIGNA CORP                  COM                 125509109        6      140 SH       SOLE                      140        0        0
CMGI INC                    COM                 125750109        1     1200 SH       OTHER                    1200        0        0
CSG SYSTEMS INTERNATIONAL   INC                 126349109        1       95 SH       SOLE                       95        0        0
CSX CORP                    COM                 126408103       94     3143 SH       SOLE                     3143        0        0
CSX CORP                    COM                 126408103       98     3264 SH       OTHER                    3264        0        0
CVS CORP                    COM                 126650100       54     1950 SH       SOLE                     1950        0        0
CVS CORP                    COM                 126650100      109     3900 SH       OTHER                    3900        0        0
CADENCE DESIGN SYSTEM INC   COM                 127387108        1      139 SH       SOLE                      139        0        0
CALPINE CORP                COM                 131347106        3      600 SH       SOLE                      600        0        0
CAMDEN PPTY TR              SH BEN INT          133131102      104     3000 SH       OTHER                    3000        0        0
CANADIAN NATIONAL RAILWAY   CO                  136375102       24      500 SH       OTHER                     500        0        0
CANADIAN PACIFIC RAILWAY    LTD                 13645T100        5      250 SH       OTHER                     250        0        0
CAPITAL AUTOMOTIVE REIT     COM SH BEN INT      139733109       14      500 SH       SOLE                      500        0        0
CAPITAL AUTOMOTIVE REIT     COM SH BEN INT      139733109     1085    38760 SH       OTHER                   38760        0        0
CAPITAL ONE FINL CORP       COM                 14040H105      880    17900 SH       OTHER                   17900        0        0
CARDINAL HEALTH INC         COM                 14149Y108      365     5692 SH       SOLE                     5692        0        0
CARDINAL HEALTH INC         COM                 14149Y108     1312    20413 SH       OTHER                   18613        0     1800
CAREMARK RX INC                                 141705103       69     2700 SH       SOLE                     2700        0        0
CAREMARK RX INC                                 141705103      246     9600 SH       OTHER                    4000        0     5600
CATERPILLAR INC DEL         COM                 149123101       11      200 SH       SOLE                      200        0        0
CATERPILLAR INC DEL         COM                 149123101       16      300 SH       OTHER                     300        0        0
CENDANT CORP                COM                 151313103       24     1329 SH       SOLE                     1329        0        0
CENDANT CORP                COM                 151313103       18     1000 SH       OTHER                    1000        0        0
CENTEX CORP                 COM                 152312104       23      300 SH       SOLE                      300        0        0
CENTEX CORP                 COM                 152312104       23      300 SH       OTHER                     300        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CENTURYTEL INC              COM                 156700106        4      130 SH       SOLE                      130        0        0
CHEVRONTEXACO CORP          COM                 166764100      192     2664 SH       SOLE                     2664        0        0
CHEVRONTEXACO CORP          COM                 166764100      563     7800 SH       OTHER                    6800        0     1000
CHUBB CORP                  COM                 171232101       42      707 SH       SOLE                      707        0        0
CHUBB CORP                  COM                 171232101        6      100 SH       OTHER                     100        0        0
CHRUCH & DWIGHT INC                             171340102       29      900 SH       OTHER                     900        0        0
CIENA CORP                  COM                 171779101        1      300 SH       SOLE                      300        0        0
CINCINNATI FINANCIAL CORP                       172062101        2       80 SH       SOLE                       80        0        0
CINERGY CORP                COM                 172474108        4      129 SH       SOLE                      129        0        0
CISCO SYS INC               COM                 17275R102      372    22228 SH       SOLE                    22228        0        0
CISCO SYS INC               COM                 17275R102      620    36965 SH       OTHER                   35465        0     1500
CINTAS CORP                 COM                 172908105        2       65 SH       SOLE                       65        0        0
CINTAS CORP                 COM                 172908105      637    18000 SH       OTHER                   18000        0        0
CITIGROUP INC               COM                 172967101      486    11371 SH       SOLE                    11371        0        0
CITIGROUP INC               COM                 172967101      730    17071 SH       OTHER                   17071        0        0
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102      181     4285 SH       SOLE                     4285        0        0
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102      279     6600 SH       OTHER                    6600        0        0
COACH INC                   COM                 189754104      329     6630 SH       OTHER                    6630        0        0
COCA COLA CO                COM                 191216100       83     1800 SH       SOLE                     1800        0        0
COCA COLA CO                COM                 191216100      849    18300 SH       OTHER                   15800        0     2500
COCA COLA ENTERPRISES INC   COM                 191219104       36     2000 SH       OTHER                    2000        0        0
COLGATE PALMOLIVE CO        COM                 194162103       66     1150 SH       SOLE                     1150        0        0
COLGATE PALMOLIVE CO        COM                 194162103       92     1600 SH       OTHER                    1000        0      600
COLONIAL PPTYS TR           COM SH BEN INT      195872106       51     1450 SH       SOLE                     1450        0        0
COMCAST CORP NEW CL A                           20030N101       76     2536 SH       SOLE                     2536        0        0
COMCAST CORP NEW CL A                           20030N101      123     4099 SH       OTHER                    3808        0      291
COMCAST CORP NEW CL A SPL                       20030N200      114     3950 SH       SOLE                     3950        0        0
COMCAST CORP NEW CL A SPL                       20030N200       78     2700 SH       OTHER                     100        0     2600
COMPUWARE CORP              COM                 205638109        5     1000 SH       OTHER                    1000        0        0
CONAGRA FOODS INC           COM                 205887102        2      110 SH       SOLE                      110        0        0
CONCORD EFS INC                                 206197105       58     4000 SH       SOLE                     4000        0        0
CONCORD EFS INC                                 206197105      107     7300 SH       OTHER                    7300        0        0
CONOCOPHILLIPS                                  20825C104      276     5054 SH       SOLE                     5054        0        0
CONOCOPHILLIPS                                  20825C104      261     4774 SH       OTHER                    4774        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CONSOLIDATED EDISON INC     COM                 209115104        8      200 SH       SOLE                      200        0        0
CONSOLIDATED EDISON INC     COM                 209115104       24      564 SH       OTHER                     564        0        0
CONSTELLATION BRANDS INC    CLASS A             21036P108      185     5900 SH       SOLE                     5900        0        0
CONSTELLATION BRANDS INC    CLASS A             21036P108      290     9250 SH       OTHER                    6750        0     2500
CORNING INC                 COM                 219350105       11     1500 SH       OTHER                    1500        0        0
COSTCO WHSL CORP NEW        COM                 22160K105        1       51 SH       SOLE                       51        0        0
D & K HEALTHCARE RES INC    COM                 232861104       38     2400 SH       OTHER                    2400        0        0
DNP SELECT INCOME FD INC    COM                 23325P104       32     3000 SH       SOLE                     3000        0        0
DPL INC                     COM                 233293109       10      675 SH       OTHER                     675        0        0
DEAN FOODS CO NEW           COM                 242370104      363    11550 SH       OTHER                   11550        0        0
DEL MONTE FOODS CO                              24522P103        4      467 SH       SOLE                      467        0        0
DEL MONTE FOODS CO                              24522P103        2      300 SH       OTHER                     300        0        0
DELL COMPUTER CORP          COM                 247025109      487    15320 SH       SOLE                    15320        0        0
DELL COMPUTER CORP          COM                 247025109      342    10765 SH       OTHER                    4965        0     5800
DELPHI CORPORATION                              247126105       39     4546 SH       SOLE                     4546        0        0
DELPHI CORPORATION                              247126105      104    12097 SH       OTHER                   12059        0       38
DEVON ENERGY CORP NEW       COM                 25179M103       84     1585 SH       SOLE                     1585        0        0
DEVON ENERGY CORP NEW       COM                 25179M103      181     3400 SH       OTHER                    1400        0     2000
DIAMONDS TR                 UNIT SER 1          252787106      295     3282 SH       SOLE                     3282        0        0
DIAMONDS TR                 UNIT SER 1          252787106       31      350 SH       OTHER                     350        0        0
DISNEY WALT CO              COM DISNEY          254687106      125     6344 SH       SOLE                     6344        0        0
DISNEY WALT CO              COM DISNEY          254687106      224    11347 SH       OTHER                   11347        0        0
DOMINION RES INC VA NEW     COM                 25746U109      191     2972 SH       SOLE                     2972        0        0
DOMINION RES INC VA NEW     COM                 25746U109      470     7315 SH       OTHER                    7315        0        0
DOW CHEM CO                 COM                 260543103      431    13945 SH       SOLE                    13945        0        0
DOW CHEM CO                 COM                 260543103      927    29958 SH       OTHER                   26958        0     3000
DU PONT E I DE NEMOURS & CO COM                 263534109      290     6984 SH       SOLE                     6984        0        0
DU PONT E I DE NEMOURS & CO COM                 263534109      246     5924 SH       OTHER                    5924        0        0
DUKE ENERGY CORP            COM                 264399106       57     2869 SH       SOLE                     2869        0        0
DUKE ENERGY CORP            COM                 264399106       68     3416 SH       OTHER                    3208        0      208
DUKE REALTY CORP                                264411505       11      400 SH       SOLE                      400        0        0
DUKE REALTY CORP                                264411505       15      565 SH       OTHER                     565        0        0
E M C CORP MASS             COM                 268648102       88     8453 SH       SOLE                     8453        0        0
E M C CORP MASS             COM                 268648102      308    29500 SH       OTHER                   27500        0     2000

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

EOG RES INC                 COM                 26875P101       20      500 SH       OTHER                     500        0        0
EASTMAN CHEM CO             COM                 277432100        5      168 SH       SOLE                      168        0        0
EASTMAN CHEM CO             COM                 277432100       20      650 SH       OTHER                     650        0        0
EASTMAN KODAK CO            COM                 277461109       10      375 SH       OTHER                     375        0        0
EATON CORP                                      278058102       86     1100 SH       SOLE                     1100        0        0
EATON CORP                                      278058102       86     1100 SH       OTHER                    1100        0        0
EATON VANCE CORP                                278265103        3      105 SH       SOLE                      105        0        0
EATON VANCE INSD MUNI BD FD                     27827X101       14     1000          SOLE                     1000        0        0
EATON VANCE INSD OHIO       MUN BD              27828L106       21     1330          SOLE                     1330        0        0
EBAY INC                    COM                 278642103      169     1630 SH       SOLE                     1630        0        0
EBAY INC                    COM                 278642103       23      225 SH       OTHER                     225        0        0
EDISON INTL                 COM                 281020107       16     1000 SH       SOLE                     1000        0        0
EDISON INTL                 COM                 281020107       10      624 SH       OTHER                       0        0      624
EDWARDS LIFESCIENCES CORP   COM                 28176E108        5      180 SH       SOLE                      180        0        0
EDWARDS LIFESCIENCES CORP   COM                 28176E108       23      732 SH       OTHER                     732        0        0
EDWARDS AG INC              COM                 281760108       10      300 SH       SOLE                      300        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104       16      750 SH       SOLE                      750        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104       23     1100 SH       OTHER                    1100        0        0
EMERSON ELEC CO             COM                 291011104      139     2734 SH       SOLE                     2734        0        0
EMERSON ELEC CO             COM                 291011104      204     4000 SH       OTHER                    4000        0        0
ENERGY EAST CORP                                29266M109       20     1004 SH       OTHER                    1004        0        0
ENERPLUS RESOURCES FUND     TRUST UNITS         29274D604        8      365 SH       SOLE                      365        0        0
EQUIFAX INC                 COM                 294429105        2      100 SH       SOLE                      100        0        0
EQUITY OFFICE PROPERTIES    TRUST               294741103       18      700 SH       SOLE                      700        0        0
EXELON CORP                                     30161N101       14      250 SH       OTHER                     250        0        0
EXXON MOBIL CORP            COM                 30231G102     1977    55075 SH       SOLE                    55075        0        0
EXXON MOBIL CORP            COM                 30231G102     2786    77616 SH       OTHER                   67416        0    10200
FPL GROUP INC               COM                 302571104       78     1178 SH       OTHER                    1178        0        0
FAIRFAX FINANCIAL HOLDINGS  LTD                 303901102       30      200 SH       OTHER                     200        0        0
FAMILY DOLLAR STORES INC                        307000109       22      600 SH       OTHER                     600        0        0
FEDERAL HOME LN MTG CORP    COM                 313400301       55     1100 SH       SOLE                     1100        0        0
FEDERAL HOME LN MTG CORP    COM                 313400301       32      650 SH       OTHER                     650        0        0
FEDERAL NATL MTG ASSN       COM                 313586109       59      889 SH       SOLE                      889        0        0
FEDERAL NATL MTG ASSN       COM                 313586109      265     3941 SH       OTHER                    3941        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

FEDEX CORP                  COM                 31428X106       83     1350 SH       SOLE                     1350        0        0
FEDEX CORP                  COM                 31428X106      186     3000 SH       OTHER                    1500        0     1500
FIFTH THIRD BANCORP         COM                 316773100       22      400 SH       OTHER                     400        0        0
FIRST DATA CORP             COM                 319963104       90     2174 SH       SOLE                     2174        0        0
FIRST DATA CORP             COM                 319963104      532    12858 SH       OTHER                   12358        0      500
FIRST W VA BANCORP INC      COM                 337493100       12      628 SH       SOLE                      628        0        0
FIRST ENERGY CORP COM                           337932107        7      190 SH       SOLE                      190        0        0
FIRST ENERGY CORP COM                           337932107        3      100 SH       OTHER                     100        0        0
FLEETBOSTON FINL CORP       COM                 339030108      147     4983 SH       SOLE                     4983        0        0
FLEETBOSTON FINL CORP       COM                 339030108      102     3450 SH       OTHER                    1950        0     1500
FLUOR CORP                  COM                 343412102       12      360 SH       SOLE                      360        0        0
FLUOR CORP                  COM                 343412102       10      300 SH       OTHER                     300        0        0
FORD MTR CO DEL             COM PAR $0.01       345370860       30     2766 SH       SOLE                     2766        0        0
FORD MTR CO DEL             COM PAR $0.01       345370860        1      150 SH       OTHER                     150        0        0
FORTUNE BRANDS INC          COM                 349631101      100     1930 SH       OTHER                    1930        0        0
FRANKLIN RESOURCES INC.                         354613101        1       45 SH       SOLE                       45        0        0
GALLAHER GROUP PLC          SPONSORED ADR       363595109       26      680 SH       OTHER                     680        0        0
GANNETT INC                 COM                 364730101      334     4350 SH       SOLE                     4350        0        0
GANNETT INC                 COM                 364730101     1125    14650 SH       OTHER                   13450        0     1200
GENENTECH INC                                   368710406       43      600 SH       OTHER                     600        0        0
GENERAL DYNAMICS CORP       COM                 369550108        1       20 SH       SOLE                       20        0        0
GENERAL DYNAMICS CORP       COM                 369550108       21      300 SH       OTHER                     300        0        0
GENERAL ELEC CO             COM                 369604103      955    33330 SH       SOLE                    33330        0        0
GENERAL ELEC CO             COM                 369604103     4000   139491 SH       OTHER                  136791        0     2700
GENERAL MLS INC             COM                 370334104      170     3600 SH       SOLE                     3600        0        0
GENERAL MLS INC             COM                 370334104      255     5400 SH       OTHER                    3400        0     2000
GENERAL MTRS CORP           COM                 370442105      201     5589 SH       SOLE                     5589        0        0
GENERAL MTRS CORP           COM                 370442105      191     5322 SH       OTHER                    5212        0      110
GENERAL MOTORS CORP -CL H   NEW                 370442832        0       12 SH       OTHER                       0        0       12
GILEAD SCIENCES INC                             375558103       44      796 SH       OTHER                     796        0        0
GILLETTE CO                 COM                 375766102       90     2855 SH       SOLE                     2855        0        0
GILLETTE CO                 COM                 375766102       47     1500 SH       OTHER                    1500        0        0
GLAXOSMITHKLINE PLC         SPONSORED ADR       37733W105       52     1300 SH       SOLE                     1300        0        0
GLAXOSMITHKLINE PLC         SPONSORED ADR       37733W105       52     1300 SH       OTHER                    1300        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

GOLDMAN SACHS GROUP INC     COM                 38141G104      502     6000 SH       OTHER                    6000        0        0
GRAINGER W W INC            COM                 384802104       93     2000 SH       OTHER                       0        0     2000
GUIDANT CORP                COM                 401698105      104     2344 SH       OTHER                    2344        0        0
HCA INC                     COM                 404119109       13      435 SH       SOLE                      435        0        0
HCA INC                     COM                 404119109       13      435 SH       OTHER                     435        0        0
HRPT PROPERTIES TRUST                           40426W101        9     1000 SH       OTHER                    1000        0        0
HALLIBURTON CO              COM                 406216101        6      300 SH       SOLE                      300        0        0
HALLIBURTON CO              COM                 406216101        7      340 SH       OTHER                     200        0      140
HARLEY DAVIDSON INC                             412822108       31      800 SH       OTHER                     800        0        0
HARTFORD FINL SVCS GROUP INCCOM                 416515104       40      800 SH       SOLE                      800        0        0
HARTFORD FINL SVCS GROUP INCCOM                 416515104       12      250 SH       OTHER                     250        0        0
HAWAIIAN ELECTRIC           INDUSTRIES INC      419870100        4      100 SH       OTHER                     100        0        0
HEALTH CARE PPTY INVS       INC INVESTORS INC   421915109       42     1000 SH       OTHER                    1000        0        0
HEINZ H J CO                COM                 423074103      151     4600 SH       SOLE                     4600        0        0
HEINZ H J CO                COM                 423074103       22      675 SH       OTHER                     675        0        0
HENRY JACK & ASSOCIATES INC                     426281101        2      155 SH       SOLE                      155        0        0
HERSHEY FOODS CORP          COM                 427866108       41      600 SH       SOLE                      600        0        0
HEWLETT PACKARD CO          COM                 428236103       37     1750 SH       SOLE                     1750        0        0
HEWLETT PACKARD CO          COM                 428236103       21     1016 SH       OTHER                    1016        0        0
HILLENBRAND INDS INC        COM                 431573104      125     2496 SH       OTHER                    2496        0        0
HILTON HOTELS CORP                              432848109        6      500 SH       OTHER                     500        0        0
HOME DEPOT INC              COM                 437076102      252     7620 SH       SOLE                     7620        0        0
HOME DEPOT INC              COM                 437076102      565    17092 SH       OTHER                   14492        0     2600
HONEYWELL INTL INC          COM                 438516106       32     1200 SH       SOLE                     1200        0        0
HONEYWELL INTL INC          COM                 438516106       10      400 SH       OTHER                     400        0        0
HUMANA INC                  COM                 444859102        5      375 SH       OTHER                     375        0        0
HUNTINGTON BANCSHARES INC   COM                 446150104       29     1521 SH       OTHER                    1521        0        0
IMS HEALTH INC              COM                 449934108        4      230 SH       SOLE                      230        0        0
IMATION CORP                                    45245A107       14      380 SH       SOLE                      380        0        0
INTEL CORP                  COM                 458140100      659    31705 SH       SOLE                    31705        0        0
INTEL CORP                  COM                 458140100     1175    56510 SH       OTHER                   48610        0     7900
INTERNATIONAL BUSINESS MACH  COM                459200101      474     5750 SH       SOLE                     5750        0        0
INTERNATIONAL BUSINESS MACH  COM                459200101      561     6809 SH       OTHER                    5937        0      872

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

INTL PAPER CO               COM                 460146103       32      900 SH       SOLE                      900        0        0
INTL PAPER CO               COM                 460146103       21      600 SH       OTHER                     200        0      400
INVESTMENT TECHNOLOGY GROUP INC                 46145F105        1       85 SH       SOLE                       85        0        0
ISHARES TR                  S^P 500 INDEX       464287200      669     6844 SH       SOLE                     6844        0        0
S^P 500/BARRA GROWTH INDEX  FD                  464287309      151     3050 SH       SOLE                     3050        0        0
S^P 500/BARRA VALUE INDEX FD                    464287408      188     3945 SH       SOLE                     3945        0        0
ISHARES TRUST                                   464287440      176     2000 SH       SOLE                     2000        0        0
ISHARES TRUST MSCI EAFE FD  MSCI EAFE INDEX FUND464287465       27      250 SH       SOLE                      250        0        0
S^P MID CAP 400 INDEX FUND  I SHARES            464287507      566     5905 SH       SOLE                     5905        0        0
S^P MID CAP 400 INDEX FUND  I SHARES            464287507       91      950 SH       OTHER                     950        0        0
S^P MIDCAP 400/BARRA GROWTH INDEX FUND I SHS    464287606       89      875 SH       SOLE                      875        0        0
S^P MIDCAP 400/BARRA GROWTH INDEX FUND I SHS    464287606      100      980 SH       OTHER                     980        0        0
S^P MIDCAP 400/BARRA VALUE  INDEX FD            464287705       83      940 SH       SOLE                      940        0        0
S^P MIDCAP 400/BARRA VALUE  INDEX FD            464287705      114     1290 SH       OTHER                    1290        0        0
S& P SMALL CAP 600 INDEX    FUND I SHARES       464287804      327     2984 SH       SOLE                     2984        0        0
S& P SMALL CAP 600 INDEX    FUND I SHARES       464287804       89      815 SH       OTHER                     815        0        0
I SHARES TR S^P SMALL CAP   600/BARRA VALUE     464287879       70      867 SH       SOLE                      867        0        0
I SHARES TR S^P SMALL CAP   600/BARRA GROWTH    464287887       55      762 SH       SOLE                      762        0        0
J P MORGAN CHASE & CO       COM                 46625H100      309     9067 SH       SOLE                     9067        0        0
J P MORGAN CHASE & CO       COM                 46625H100      420    12316 SH       OTHER                   10216        0     2100
JOHNSON & JOHNSON           COM                 478160104      562    10887 SH       SOLE                    10887        0        0
JOHNSON & JOHNSON           COM                 478160104     1872    36228 SH       OTHER                   35228        0     1000
JOHNSON CONTROLS INC                            478366107       34      400 SH       SOLE                      400        0        0
JOHNSON CONTROLS INC                            478366107       17      200 SH       OTHER                     200        0        0
KLA - TENCOR CORPORATION                        482480100       30      650 SH       OTHER                     650        0        0
KB HOME                     COM                 48666K109       24      400 SH       SOLE                      400        0        0
KB HOME                     COM                 48666K109       46      750 SH       OTHER                     750        0        0
KELLOGG CO                                      487836108       13      400 SH       SOLE                      400        0        0
KEYSPAN CORP                                    49337W100       23      650 SH       SOLE                      650        0        0
KIMBERLY CLARK CORP         COM                 494368103      284     5466 SH       SOLE                     5466        0        0
KIMBERLY CLARK CORP         COM                 494368103      166     3200 SH       OTHER                    1700        0     1500
KING PHARMACEUTICALS INC                        495582108        2      170 SH       SOLE                      170        0        0
KOHLS CORP                  COM                 500255104       28      550 SH       SOLE                      550        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

KRAFT FOODS INC                                 50075N104       32     1000 SH       SOLE                     1000        0        0
KRAFT FOODS INC                                 50075N104        4      150 SH       OTHER                     150        0        0
KROGER CO                   COM                 501044101        2      130 SH       SOLE                      130        0        0
L-3 COMMUNICATIONS HOLDINGS INC                 502424104      115     2650 SH       OTHER                    2650        0        0
LIBERTY ALL-STAR EQUITY FD                      530158104        4      539 SH       SOLE                      539        0        0
LIBERTY MEDIA CORP NEW      COM SER A           530718105       28     2500 SH       OTHER                    2500        0        0
LIBERTY PPTY TR             SH BEN INT          531172104       69     2000 SH       SOLE                     2000        0        0
LILLY ELI & CO              COM                 532457108       44      650 SH       SOLE                      650        0        0
LILLY ELI & CO              COM                 532457108       48      700 SH       OTHER                     700        0        0
LINCOLN NATIONAL CORP                           534187109       35     1000 SH       OTHER                    1000        0        0
LOCKHEED MARTIN CORP        COM                 539830109       42      900 SH       SOLE                      900        0        0
LOCKHEED MARTIN CORP        COM                 539830109        4      100 SH       OTHER                     100        0        0
LOWES COS INC               COM                 548661107       77     1800 SH       SOLE                     1800        0        0
LOWES COS INC               COM                 548661107       38      900 SH       OTHER                     900        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107       11     5668 SH       SOLE                     5668        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107        1      665 SH       OTHER                     665        0        0
MBIA INC                    COM                 55262C100      146     3000 SH       OTHER                    3000        0        0
MBNA CORP                   COM                 55262L100      333    16001 SH       SOLE                    16001        0        0
MBNA CORP                   COM                 55262L100      371    17850 SH       OTHER                    9450        0     8400
MARATHON OIL CORP                               565849106       13      500 SH       SOLE                      500        0        0
MARSH & MCLENNAN COS INC    COM                 571748102      379     7440 SH       SOLE                     7440        0        0
MARSH & MCLENNAN COS INC    COM                 571748102      388     7600 SH       OTHER                    5200        0     2400
MASCO CORP                  COM                 574599106      336    14100 SH       SOLE                    14100        0        0
MASCO CORP                  COM                 574599106      258    10850 SH       OTHER                    7450        0     3400
MAY DEPT STORES CO          COM                 577778103       18      850 SH       SOLE                      850        0        0
MAY DEPT STORES CO          COM                 577778103       23     1050 SH       OTHER                    1050        0        0
MAYTAG CORP                 COM                 578592107       11      481 SH       SOLE                      481        0        0
MAYTAG CORP                 COM                 578592107        9      400 SH       OTHER                     400        0        0
MCCORMICK & CO INC                              579780206       16      600 SH       OTHER                     600        0        0
MCDONALDS CORP              COM                 580135101       70     3200 SH       SOLE                     3200        0        0
MCDONALDS CORP              COM                 580135101       79     3600 SH       OTHER                    1600        0     2000
MCGRAW HILL COS INC         COM                 580645109      111     1800 SH       SOLE                     1800        0        0
MCGRAW HILL COS INC         COM                 580645109      142     2300 SH       OTHER                    2300        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

MEADWESTVACO CORP                               583334107       12      500 SH       OTHER                     500        0        0
MEDTRONIC INC               COM                 585055106      158     3300 SH       SOLE                     3300        0        0
MEDTRONIC INC               COM                 585055106      124     2600 SH       OTHER                    2600        0        0
MELLON FINL CORP            COM                 58551A108       66     2407 SH       SOLE                     2407        0        0
MELLON FINL CORP            COM                 58551A108      192     6928 SH       OTHER                     928        0     6000
MERCK & CO INC              COM                 589331107      667    11018 SH       SOLE                    11018        0        0
MERCK & CO INC              COM                 589331107      846    13979 SH       OTHER                   11529        0     2450
MERRILL LYNCH & CO INC      COM                 590188108       39      850 SH       SOLE                      850        0        0
MERRILL LYNCH & CO INC      COM                 590188108       38      825 SH       OTHER                     825        0        0
METLIFE INC                                     59156R108       14      500 SH       SOLE                      500        0        0
METLIFE INC                                     59156R108       42     1500 SH       OTHER                    1500        0        0
MICROSOFT CORP              COM                 594918104      470    18358 SH       SOLE                    18358        0        0
MICROSOFT CORP              COM                 594918104     2292    89450 SH       OTHER                   78350        0    11100
MID CAP S P D R TRUST UNIT  SER 1               595635103       64      734 SH       SOLE                      734        0        0
MID CAP S P D R TRUST UNIT  SER 1               595635103       30      350 SH       OTHER                     350        0        0
MONSANTO CO (NEW)                               61166W101        1       47 SH       SOLE                       47        0        0
MONSANTO CO (NEW)                               61166W101       20      957 SH       OTHER                     105        0      852
MORGAN STANLEY              COM NEW             617446448       55     1290 SH       SOLE                     1290        0        0
MORGAN STANLEY              COM NEW             617446448      282     6600 SH       OTHER                    2500        0     4100
MOTOROLA INC                COM                 620076109       16     1700 SH       OTHER                    1200        0      500
MYLAN LABS INC              COM                 628530107      115     3327 SH       SOLE                     3327        0        0
MYLAN LABS INC              COM                 628530107       23      675 SH       OTHER                     675        0        0
NCR CORP NEW                COM                 62886E108        5      200 SH       SOLE                      200        0        0
NASDAQ 100 TR               UNIT SER 1          631100104       74     2500 SH       SOLE                     2500        0        0
NASDAQ 100 TR               UNIT SER 1          631100104      425    14200 SH       OTHER                   14200        0        0
NATIONAL CITY CORP          COM                 635405103       45     1400 SH       OTHER                    1400        0        0
NATIONAL FUEL GAS CO N J    COM                 636180101      210     8100 SH       SOLE                     8100        0        0
NATIONAL FUEL GAS CO N J    COM                 636180101      194     7470 SH       OTHER                    7470        0        0
NATIONAL GRID TRANSCO PLC   SPON ADR            636274102        1       58 SH       OTHER                      58        0        0
NATIONAL SEMICONDUCTOR CORP COM                 637640103       11      600 SH       SOLE                      600        0        0
NATIONWIDE FINL SVC                             638612101       15      470 SH       OTHER                     470        0        0
NEW YORK TIMES CO           CL A                650111107       45     1000 SH       OTHER                    1000        0        0
NEWELL RUBBERMAID INC       COM                 651229106       16      600 SH       SOLE                      600        0        0
NEWELL RUBBERMAID INC       COM                 651229106      257     9184 SH       OTHER                    9184        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

NIKE INC                    CL B                654106103       42      800 SH       OTHER                     800        0        0
NOKIA CORP                  SPONSORED ADR       654902204        6      400 SH       SOLE                      400        0        0
NOKIA CORP                  SPONSORED ADR       654902204      548    33400 SH       OTHER                   33400        0        0
NORFOLK SOUTHERN CORP       COM                 655844108       37     1950 SH       OTHER                    1500        0      450
NORTEL NETWORKS CORP NEW    COM                 656568102        2     1000 SH       OTHER                    1000        0        0
NOVELLUS SYS INC            COM                 670008101       25      700 SH       SOLE                      700        0        0
NUVEEN MUN INCOME FUND INC                      67062J102       14     1361          OTHER                    1361        0        0
NUVEEN MUN MKT OPPORTUNITY  FUND INC            67062W103        9      637          OTHER                     637        0        0
NUVEEN N Y INVT QUALITY     MUN FD INC          67062X101      126     7657          OTHER                    7657        0        0
NUVEEN CEF OHIO MUNI FUN                        67070C107       23     1500          OTHER                    1500        0        0
NUVEEN CEF OHIO MUNI FUND 2                     67070R104       23     1500 SH       OTHER                    1500        0        0
NUVEEN REAL ESTATE INCOME FD                    67071B108      152     9000 SH       OTHER                    9000        0        0
NUVEEN INSURED DIVIDEND     ADVANTAGE MUNICIPAL 67071L106       10      700 SH       SOLE                      700        0        0
CEF NUVEEN QUALITY PFD      INCOME FUND         67071S101       47     3000 SH       OTHER                    3000        0        0
CEF NUVEEN QUALITY PR2                          67072C105       26     1700          OTHER                    1700        0        0
OGE ENERGY CORP             COM                 670837103       17      800 SH       SOLE                      800        0        0
NUVEEN MUNICIPAL VALUE FD                       670928100        5      632          OTHER                     632        0        0
NUVEEN SELECT QUALITY MUN FD                    670973106       51     3311          OTHER                    3311        0        0
NUVEEN OHIO QUALITY INCOME  MUN FD              670980101       39     2166          SOLE                     2166        0        0
NUVEEN INSURED MUNICPAL     OPPORTUNITY FUND    670984103        5      333          OTHER                     333        0        0
OMNICOM GROUP INC           COM                 681919106      397     5550 SH       SOLE                     5550        0        0
OMNICOM GROUP INC           COM                 681919106      501     7000 SH       OTHER                    3500        0     3500
ORACLE CORP                 COM                 68389X105       91     7650 SH       SOLE                     7650        0        0
ORACLE CORP                 COM                 68389X105      269    22450 SH       OTHER                    3150        0    19300
ORTHODONTIC CENTERS OF      AMERICA INC         68750P103        1      225 SH       SOLE                      225        0        0
PNC FINL SVCS GROUP INC     COM                 693475105      119     2450 SH       SOLE                     2450        0        0
PNC FINL SVCS GROUP INC     COM                 693475105       58     1200 SH       OTHER                    1200        0        0
PPG INDS INC                COM                 693506107      332     6550 SH       SOLE                     6550        0        0
PPG INDS INC                COM                 693506107      572    11290 SH       OTHER                   10990        0      300
PACTIV CORP                                     695257105       98     5000 SH       SOLE                     5000        0        0
PAN PACIFIC RETAIL PPTYS INCCOM                 69806L104       77     1968 SH       OTHER                    1968        0        0
PEPCO HOLDINGS INC                              713291102       19     1000 SH       OTHER                    1000        0        0
PEPSICO INC                 COM                 713448108      342     7694 SH       SOLE                     7694        0        0
PEPSICO INC                 COM                 713448108      923    20750 SH       OTHER                   19650        0     1100

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

PFIZER INC                  COM                 717081103      450    13189 SH       SOLE                    13189        0        0
PFIZER INC                  COM                 717081103      387    11337 SH       OTHER                   11337        0        0
PIER 1 IMPORTS INC                              720279108        8      400 SH       SOLE                      400        0        0
PIER 1 IMPORTS INC                              720279108      142     7000 SH       OTHER                    2000        0     5000
PITNEY BOWES INC            COM                 724479100       38     1000 SH       OTHER                    1000        0        0
PRAXAIR INC                                     74005P104        5       88 SH       OTHER                      88        0        0
PROCTER & GAMBLE CO         COM                 742718109      480     5390 SH       SOLE                     5390        0        0
PROCTER & GAMBLE CO         COM                 742718109      865     9700 SH       OTHER                    5700        0     4000
PROGRESS ENERGY INC         COM                 743263105      212     4841 SH       SOLE                     4841        0        0
PROGRESS ENERGY INC         COM                 743263105       72     1660 SH       OTHER                    1160        0      500
PROVIDENT ENERGY TRUST LTD                      74386K104        5      725 SH       SOLE                      725        0        0
PRUDENTIAL FINL INC         COM                 744320102        1       59 SH       SOLE                       59        0        0
PUBLIC SVC ENTERPRISE GROUP COM                 744573106       14      340 SH       SOLE                      340        0        0
PUBLIC SVC ENTERPRISE GROUP COM                 744573106       31      750 SH       OTHER                     750        0        0
QUALCOMM INC                COM                 747525103       19      550 SH       SOLE                      550        0        0
QUEST DIAGNOSTICS INC                           74834L100      208     3275 SH       SOLE                     3275        0        0
QUEST DIAGNOSTICS INC                           74834L100      181     2850 SH       OTHER                    2850        0        0
QWEST COMMUNICATIONS INTL INCOM                 749121109        0      176 SH       SOLE                      176        0        0
QWEST COMMUNICATIONS INTL INCOM                 749121109        0        3 SH       OTHER                       3        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       42     1785 SH       OTHER                    1785        0        0
ROCKWELL COLLINS INC        COM                 774341101       43     1785 SH       OTHER                    1785        0        0
ROHM & HAAS CO              COM                 775371107        1       55 SH       OTHER                      55        0        0
ROPER INDS INC NEW          COM                 776696106       27      746 SH       OTHER                     746        0        0
ROYAL DUTCH PETE CO         NY REG GLD1.25      780257804       83     1800 SH       OTHER                    1400        0      400
SBC COMMUNICATIONS INC      COM                 78387G103      432    16926 SH       SOLE                    16926        0        0
SBC COMMUNICATIONS INC      COM                 78387G103      511    20009 SH       OTHER                   18509        0     1500
SAFEWAY INC                 COM NEW             786514208        4      200 SH       SOLE                      200        0        0
SARA LEE CORP               COM                 803111103       52     2800 SH       SOLE                     2800        0        0
SARA LEE CORP               COM                 803111103      554    29507 SH       OTHER                   29507        0        0
SCHERING PLOUGH CORP        COM                 806605101        2      110 SH       SOLE                      110        0        0
SCHLUMBERGER LTD            COM                 806857108      140     2949 SH       SOLE                     2949        0        0
SCHLUMBERGER LTD            COM                 806857108      121     2550 SH       OTHER                    2550        0        0
SCUDDER MUNI INCOME TR                          81118R604       12     1000          SOLE                     1000        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

SEALED AIR CORP SER A PFD   CONV SER A          81211K209       48      955 SH       OTHER                     955        0        0
SEARS ROEBUCK & CO          COM                 812387108       12      377 SH       SOLE                      377        0        0
SEARS ROEBUCK & CO          COM                 812387108       87     2609 SH       OTHER                    2609        0        0
SHERWIN WILLIAMS CO         COM                 824348106        9      335 SH       SOLE                      335        0        0
SHERWIN WILLIAMS CO         COM                 824348106        8      300 SH       OTHER                     300        0        0
SIMON PPTY GROUP INC NEW    COM                 828806109        9      250 SH       OTHER                     250        0        0
JM SMUCKER CO                                   832696405        1       32 SH       SOLE                       32        0        0
JM SMUCKER CO                                   832696405       17      449 SH       OTHER                     449        0        0
SOUTHERN CO                                     842587107       28      903 SH       SOLE                      903        0        0
SOUTHERN CO                                     842587107       27      880 SH       OTHER                     880        0        0
SOUTHTRUST CORP             COM                 844730101       43     1600 SH       SOLE                     1600        0        0
SOUTHTRUST CORP             COM                 844730101       32     1200 SH       OTHER                       0        0     1200
SPRINT CORP                 COM FON GROUP       852061100        7      500 SH       OTHER                     500        0        0
STARBUCKS CORP                                  855244109        9      400 SH       OTHER                     400        0        0
STATE STR CORP              COM                 857477103       47     1200 SH       SOLE                     1200        0        0
SUN MICROSYSTEMS INC        COM                 866810104        8     1900 SH       SOLE                     1900        0        0
SUN MICROSYSTEMS INC        COM                 866810104       62    13400 SH       OTHER                    2200        0    11200
SYMANTEC CORP                                   871503108       43     1000 SH       SOLE                     1000        0        0
SYSCO CORP                  COM                 871829107       15      500 SH       SOLE                      500        0        0
TCW/DW TERM TR 2003         SH BEN INT          87234U108       52     5000 SH       OTHER                    5000        0        0
TECO ENERGY INC             COM                 872375100       27     2300 SH       SOLE                     2300        0        0
TECO ENERGY INC             COM                 872375100       75     6300 SH       OTHER                    3300        0     3000
TJX COS INC NEW             COM                 872540109       75     4000 SH       SOLE                     4000        0        0
TARGET CORP                 COM                 87612E106      103     2728 SH       SOLE                     2728        0        0
TARGET CORP                 COM                 87612E106      115     3050 SH       OTHER                    2550        0      500
TECHE HOLDING CO                                878330109       32     1000 SH       SOLE                     1000        0        0
TELEFLEX INC.                                   879369106        2       60 SH       SOLE                       60        0        0
TELEFLEX INC.                                   879369106       25      600 SH       OTHER                     600        0        0
TEXAS INSTRS INC            COM                 882508104       76     4350 SH       SOLE                     4350        0        0
TEXAS INSTRS INC            COM                 882508104      547    31100 SH       OTHER                   31100        0        0
TEXTRON INC                                     883203101       31      800 SH       SOLE                      800        0        0
3M CO                                           88579Y101      257     2000 SH       SOLE                     2000        0        0
3M CO                                           88579Y101      632     4900 SH       OTHER                    3200        0     1700

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

TOOTSIE ROLL INDUSTRIES INC                     890516107        1       46 SH       SOLE                       46        0        0
TRAVELERS PROP CASUALTY - A CORP                89420G109        2      139 SH       SOLE                      139        0        0
TRAVELERS PROP CASUALTY - A CORP                89420G109        3      203 SH       OTHER                     203        0        0
TRAVELERS PROP CASUALTY - B CORP                89420G406        4      292 SH       SOLE                      292        0        0
TRAVELERS PROP CASUALTY - B CORP                89420G406        6      423 SH       OTHER                     423        0        0
TRIBUNE CO NEW              COM                 896047107       38      800 SH       SOLE                      800        0        0
TYCO INTL LTD NEW           COM                 902124106       81     4310 SH       SOLE                     4310        0        0
TYCO INTL LTD NEW           COM                 902124106       62     3272 SH       OTHER                    2998        0      274
UNILEVER NV                                     904784709       16      314 SH       SOLE                      314        0        0
UNION PAC CORP              COM                 907818108      451     7790 SH       SOLE                     7790        0        0
UNION PAC CORP              COM                 907818108      400     6900 SH       OTHER                    5400        0     1500
UNITED BANKSHARES INC WEST VCOM                 909907107      438    15300 SH       SOLE                    15300        0        0
UNITED BANKSHARES INC WEST VCOM                 909907107     1190    41589 SH       OTHER                   36698        0     4891
UNITED BANCORP INC OHIO     COM                 909911109        5      420 SH       SOLE                      420        0        0
UNITED BANCORP INC OHIO     COM                 909911109       24     1750 SH       OTHER                    1750        0        0
UNITED PARCEL SERVICE INC   CL B                911312106       19      300 SH       SOLE                      300        0        0
UNITED PARCEL SERVICE INC   CL B                911312106       19      300 SH       OTHER                     300        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109      112     1595 SH       SOLE                     1595        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109     1196    16890 SH       OTHER                   16890        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100       85     2362 SH       OTHER                    2362        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      519    13163 SH       SOLE                    13163        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      962    24387 SH       OTHER                   21783        0     2604
VIACOM INC                  CL B                925524308       53     1230 SH       SOLE                     1230        0        0
VIACOM INC                  CL B                925524308       23      542 SH       OTHER                     542        0        0
VISTEON CORP                COM                 92839U107        0       87 SH       SOLE                       87        0        0
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       44     2280 SH       SOLE                     2280        0        0
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       59     3015 SH       OTHER                    3015        0        0
WHX CORP                                        929248409        0        3 SH       SOLE                        3        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102       27      696 SH       SOLE                      696        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102       21      550 SH       OTHER                     550        0        0
WAL MART STORES INC         COM                 931142103      300     5600 SH       SOLE                     5600        0        0
WAL MART STORES INC         COM                 931142103      593    11065 SH       OTHER                    6065        0     5000
WALGREEN CO                 COM                 931422109       24      800 SH       SOLE                      800        0        0
WALGREEN CO                 COM                 931422109       45     1500 SH       OTHER                    1500        0        0

                                                                  FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

WASHINGTON FEDERAL INC                          938824109        2      104 SH       SOLE                      104        0        0
WASHINGTON MUTUAL INC COMMON                    939322103      156     3800 SH       SOLE                     3800        0        0
WASHINGTON MUTUAL INC COMMON                    939322103      148     3600 SH       OTHER                    3600        0        0
WASTE MGMT INC DEL          COM                 94106L109        1       72 SH       OTHER                      72        0        0
WATSON PHARMACEUTICALS INC  COM                 942683103       60     1500 SH       OTHER                       0        0     1500
WELLMAN INC                                     949702104       25     2300 SH       SOLE                     2300        0        0
WELLPOINT HEALTH NETWORK NEWCOM                 94973H108       50      600 SH       OTHER                     600        0        0
WELLS FARGO & CO NEW        COM                 949746101       20      400 SH       SOLE                      400        0        0
WELLS FARGO & CO NEW        COM                 949746101      216     4290 SH       OTHER                    4290        0        0
WESBANCO INC                COM                 950810101     1717    71500 SH       SOLE                    71500        0        0
WESBANCO INC                COM                 950810101      911    37954 SH       OTHER                   37954        0        0
WEYERHAEUSER CO             COM                 962166104       10      200 SH       SOLE                      200        0        0
WEYERHAEUSER CO             COM                 962166104       56     1050 SH       OTHER                       0        0     1050
WHIRLPOOL CORP              COM                 963320106       30      475 SH       OTHER                     475        0        0
WHOLE FOOD MARKET INC                           966837106       33      700 SH       OTHER                     700        0        0
WILLIAMS COS INC DEL        COM                 969457100        2      300 SH       OTHER                     300        0        0
WYETH COM                                       983024100     1450    31850 SH       SOLE                    31850        0        0
WYETH COM                                       983024100     3787    83169 SH       OTHER                   78189        0     4980
XCEL ENERGY INC             COM                 98389B100      126     8400 SH       SOLE                     8400        0        0
XCEL ENERGY INC             COM                 98389B100       86     5784 SH       OTHER                    2000        0     3784
XILINX INC                  COM                 983919101      128     5100 SH       SOLE                     5100        0        0
XILINX INC                  COM                 983919101       55     2200 SH       OTHER                    2200        0        0
XEROX CORP                  COM                 984121103        3      300 SH       OTHER                     300        0        0
YUM BRANDS INC. COM                             988498101        5      200 SH       SOLE                      200        0        0
ZIMMER HLDGS INC            COM                 98956P102      108     2399 SH       SOLE                     2399        0        0
ZIMMER HLDGS INC            COM                 98956P102     1455    32315 SH       OTHER                   31098        0     1217

 GRAND TOTALS                                               107305  3101170                                2850030        0   251140