Security National Trust

Security National Trust as of Sept. 30, 2004

Portfolio Holdings for Security National Trust

Security National Trust holds 0 positions in its portfolio as reported in the September 2004 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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

GLOBALSANTAFE CORPORATION                       G3930E101       85     2800 SH       SOLE                     2800        0        0
GLOBALSANTAFE CORPORATION                       G3930E101       45     1500 SH       DEFINED                     0     1500        0
INGERSOLL-RAND CL A                             G4776G101      156     2300 SH       SOLE                     2200        0      100
INGERSOLL-RAND CL A                             G4776G101       81     1200 SH       DEFINED                   600        0      600
NABORS INDUSTRIES LTD NEW                       G6359F103      184     3900 SH       SOLE                     3800        0      100
NABORS INDUSTRIES LTD NEW                       G6359F103       75     1600 SH       DEFINED                  1600        0        0
TRANSOCEAN INC                                  G90078109        9      266 SH       SOLE                      266        0        0
TRANSOCEAN INC                                  G90078109       11      309 SH       DEFINED                   309        0        0
WEATHERFORD INT'L LTD       BERMUDA             G95089101      191     3750 SH       SOLE                     3750        0        0
WEATHERFORD INT'L LTD       BERMUDA             G95089101       63     1250 SH       DEFINED                  1250        0        0
FLEXTRONICS INTL LTD        ORD                 Y2573F102       80     6100 SH       SOLE                     5600        0      500
FLEXTRONICS INTL LTD        ORD                 Y2573F102      121     9200 SH       DEFINED                  9200        0        0
A D C TELECOMMUNICATIONS    COM                 000886101        0      300 SH       SOLE                      300        0        0
AFLAC INC                                       001055102       31      800 SH       SOLE                      800        0        0
AFLAC INC                                       001055102      101     2600 SH       DEFINED                  2600        0        0
AES CORP                    COM                 00130H105        5      600 SH       SOLE                      600        0        0
AT & T CORPORATION                              001957505       10      716 SH       SOLE                      716        0        0
AT & T CORPORATION                              001957505       18     1302 SH       DEFINED                  1272       30        0
AT^T WIRELESS SVCS INC      COM                 00209A106       13      909 SH       SOLE                      909        0        0
AT^T WIRELESS SVCS INC      COM                 00209A106       33     2270 SH       DEFINED                  2270        0        0
ABBOTT LABS                 COM                 002824100      275     6500 SH       SOLE                     6500        0        0
ABBOTT LABS                 COM                 002824100      271     6400 SH       DEFINED                  3100      400     2900
ADVANCE FINANCIAL BANCORP                       007437106      233     9045 SH       SOLE                     9045        0        0
AFFILIATED COMPUTER         SERVICES INC        008190100      362     6510 SH       SOLE                     6360        0      150
AFFILIATED COMPUTER         SERVICES INC        008190100      322     5800 SH       DEFINED                  3300        0     2500
AGERE SYSTEMS INC  CL A                         00845V100        0        7 SH       SOLE                        7        0        0
AGERE SYSTEMS INC  CL A                         00845V100        0        2 SH       DEFINED                     2        0        0
AGERE SYSTEMS INC   CL B                        00845V209        0      619 SH       SOLE                      619        0        0
AGERE SYSTEMS INC   CL B                        00845V209        0       82 SH       DEFINED                    82        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

AGILENT TECHNOLOGIES INC    COM                 00846U101        3      164 SH       SOLE                      164        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101        5      250 SH       DEFINED                   250        0        0
AIR PRODS & CHEMS INC       COM                 009158106      464     8550 SH       SOLE                     8400        0      150
AIR PRODS & CHEMS INC       COM                 009158106      290     5350 SH       DEFINED                  3050      300     2000
ALBERTSONS INC              COM                 013104104       87     3650 SH       SOLE                     3650        0        0
ALCOA INC                   COM                 013817101      167     4974 SH       SOLE                     4974        0        0
ALCOA INC                   COM                 013817101      201     6000 SH       DEFINED                  6000        0        0
ALLEGHENY ENERGY INC        COM                 017361106        9      600 SH       SOLE                      600        0        0
ALLIANT ENERGY CORP                             018802108        9      400 SH       DEFINED                     0        0      400
ALLSTATE CORP               COM                 020002101      431     9000 SH       SOLE                     9000        0        0
ALLSTATE CORP               COM                 020002101      311     6500 SH       DEFINED                  5200     1300        0
ALLTEL CORP                 COM                 020039103       32      600 SH       SOLE                      600        0        0
ALLTEL CORP                 COM                 020039103      156     2850 SH       DEFINED                  2850        0        0
ALTRIA GROUP INC                                02209S103      318     6770 SH       SOLE                     6770        0        0
ALTRIA GROUP INC                                02209S103      943    20061 SH       DEFINED                 16061        0     4000
AMBAC FINANCIAL GROUP INC                       023139108        5       67 SH       SOLE                       67        0        0
AMEREN CORPORATION                              023608102       11      257 SH       DEFINED                   257        0        0
AMEREN CORP PFD 9.75%                           023608201       35     1295 SH       DEFINED                  1295        0        0
AMERICAN ELEC PWR INC       COM                 025537101       27      870 SH       SOLE                      870        0        0
AMERICAN ELEC PWR INC       COM                 025537101       68     2137 SH       DEFINED                   734     1403        0
AMERICAN EXPRESS CO         COM                 025816109      569    11062 SH       SOLE                    11062        0        0
AMERICAN EXPRESS CO         COM                 025816109      322     6275 SH       DEFINED                  6275        0        0
AMERICAN INTL GROUP INC     COM                 026874107     1392    20479 SH       SOLE                    20479        0        0
AMERICAN INTL GROUP INC     COM                 026874107     1835    27004 SH       DEFINED                 26704        0      300
AMERISOURCEBERGEN CORP      COM                 03073E105       43      815 SH       SOLE                      815        0        0
AMERISOURCEBERGEN CORP      COM                 03073E105       53     1000 SH       DEFINED                     0        0     1000
AMGEN INC                   COM                 031162100      897    15800 SH       SOLE                    15700        0      100
AMGEN INC                   COM                 031162100     1423    25050 SH       DEFINED                 21150      600     3300
AMSOUTH BANCORPORATION                          032165102      246    10100 SH       SOLE                    10100        0        0
AMSOUTH BANCORPORATION                          032165102       19      800 SH       DEFINED                   800        0        0
ANADARKO PETE CORP          COM                 032511107       60      914 SH       SOLE                      914        0        0
ANADARKO PETE CORP          COM                 032511107      207     3126 SH       DEFINED                  3126        0        0
ANHEUSER BUSCH COS INC      COM                 035229103      574    11510 SH       SOLE                    11310        0      200
ANHEUSER BUSCH COS INC      COM                 035229103      449     9000 SH       DEFINED                  9000        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

APACHE CORP                 COM                 037411105      267     5332 SH       SOLE                     5332        0        0
APACHE CORP                 COM                 037411105      231     4614 SH       DEFINED                  3854      300      460
APOLLO GROUP INC                                037604105       73     1000 SH       SOLE                     1000        0        0
APPLEBEES INTERNATIONAL INC                     037899101       18      750 SH       DEFINED                   750        0        0
APPLERA CORP COM APPLIED    BIOSYSTEMS GROUP    038020103      123     6534 SH       DEFINED                  6534        0        0
APPLERA CORP CELERA         GENOMICS GROUP      038020202       29     2525 SH       DEFINED                  2525        0        0
APPLIED MATLS INC           COM                 038222105      354    21525 SH       SOLE                    21525        0        0
APPLIED MATLS INC           COM                 038222105      294    17900 SH       DEFINED                  7000     2000     8900
ARCHER DANIELS MIDLAND CO   COM                 039483102       35     2067 SH       DEFINED                  2067        0        0
ARCHSTONE-SMITH TRUST                           039583109       14      450 SH       DEFINED                   450        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103       66     1600 SH       SOLE                     1600        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103      520    12600 SH       DEFINED                 12600        0        0
AVALONBAY COMMUNITIES INC                       053484101        6      100 SH       DEFINED                   100        0        0
AVAYA INC                   COM                 053499109        0       57 SH       DEFINED                    57        0        0
GDR AVENTIS ADR                                 053561106       21      250 SH       SOLE                      250        0        0
AVERY DENNISON CORP         COM                 053611109       65     1000 SH       SOLE                     1000        0        0
AVERY DENNISON CORP         COM                 053611109       26      400 SH       DEFINED                   400        0        0
AVON PRODS INC              COM                 054303102       21      500 SH       SOLE                      500        0        0
AVON PRODS INC              COM                 054303102       52     1200 SH       DEFINED                   200        0     1000
BB^T CORP                                       054937107      121     3074 SH       DEFINED                  3074        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      499     8688 SH       SOLE                     8488        0      200
BP AMOCO P L C              SPONSORED ADR       055622104     1262    21944 SH       DEFINED                 19444        0     2500
B2B INTERNET HOLDRS TR      DEPOSTRY RCPT       056033103        0      300 SH       SOLE                      300        0        0
BAKER HUGHES INC            COM                 057224107       96     2200 SH       SOLE                     2200        0        0
BAKER HUGHES INC            COM                 057224107      109     2500 SH       DEFINED                  1200     1200      100
BANK OF AMERICA CORPORATION COM                 060505104      591    13664 SH       SOLE                    13664        0        0
BANK OF AMERICA CORPORATION COM                 060505104      616    14238 SH       DEFINED                 13764        0      474
BANK NEW YORK INC           COM                 064057102      175     6004 SH       SOLE                     6004        0        0
BANK NEW YORK INC           COM                 064057102       26      900 SH       DEFINED                   900        0        0
BAXTER INTL INC             COM                 071813109       94     2950 SH       SOLE                     2950        0        0
BAXTER INTL INC             COM                 071813109      674    20982 SH       DEFINED                 20782        0      200
BELLSOUTH CORP              COM                 079860102      320    11832 SH       SOLE                    11832        0        0
BELLSOUTH CORP              COM                 079860102      276    10206 SH       DEFINED                  6806     1400     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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

BELMONT BANCORP             COM                 080162100       36     6474 SH       SOLE                     6474        0        0
BELMONT BANCORP             COM                 080162100       62    11000 SH       DEFINED                 11000        0        0
BEST BUY INC                COM                 086516101      268     4950 SH       SOLE                     4950        0        0
BEST BUY INC                COM                 086516101       94     1750 SH       DEFINED                  1750        0        0
BIOMET INC                  COM                 090613100      187     4000 SH       SOLE                     4000        0        0
BIOMET INC                  COM                 090613100      492    10500 SH       DEFINED                  3700        0     6800
BIOGEN IDEC INC                                 09062X103        7      115 SH       SOLE                      115        0        0
BIOVAIL CORP                                    09067J109       56     3290 SH       SOLE                     3290        0        0
BLACK & DECKER CORP                             091797100      108     1400 SH       SOLE                     1400        0        0
BLACK & DECKER CORP                             091797100        7      100 SH       DEFINED                   100        0        0
BLACKROCK INVT QUALITY TERM COM                 09247J102       49     5000 SH       DEFINED                  5000        0        0
BLACKROCK CORE BD TR        SHS BEN INT         09249E101       68     5000 SH       DEFINED                  5000        0        0
BOEING CO                   COM                 097023105      180     3500 SH       SOLE                     3500        0        0
BOEING CO                   COM                 097023105       77     1500 SH       DEFINED                   500        0     1000
BOSTON SCIENTIFIC CORP                          101137107       83     2100 SH       SOLE                     2100        0        0
BOSTON SCIENTIFIC CORP                          101137107       35      900 SH       DEFINED                   400        0      500
BRISTOL MYERS SQUIBB CO     COM                 110122108      429    18142 SH       SOLE                    18142        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108     2276    96200 SH       DEFINED                 89240        0     6960
BURLINGTON NORTHN SANTA FE CCOM                 12189T104       20      540 SH       DEFINED                   540        0        0
BURLINGTON RES INC          COM                 122014103       80     1978 SH       DEFINED                  1978        0        0
CIGNA CORP                  COM                 125509109        9      140 SH       SOLE                      140        0        0
CMGI INC                    COM                 125750109        1     1200 SH       DEFINED                  1200        0        0
CMS ENERGY CORP                                 125896100        0      100 SH       DEFINED                   100        0        0
CSX CORP                    COM                 126408103      205     6204 SH       SOLE                     6204        0        0
CSX CORP                    COM                 126408103        5      162 SH       DEFINED                   162        0        0
CVS CORP                    COM                 126650100      174     4150 SH       SOLE                     4150        0        0
CVS CORP                    COM                 126650100      115     2750 SH       DEFINED                  2750        0        0
CALPINE CORP                COM                 131347106       16     5600 SH       SOLE                     5600        0        0
CAMDEN PPTY TR              SH BEN INT          133131102      138     3000 SH       DEFINED                  3000        0        0
CANADIAN NATIONAL RAILWAY   CO                  136375102       36      750 SH       SOLE                      750        0        0
CANADIAN PACIFIC RAILWAY    LTD                 13645T100        6      250 SH       DEFINED                   250        0        0
CAPITAL AUTOMOTIVE REIT     COM SH BEN INT      139733109     1296    41460 SH       DEFINED                 41460        0        0
CAPITAL ONE FINL CORP       COM                 14040H105      110     1500 SH       SOLE                     1500        0        0
CAPITAL ONE FINL CORP       COM                 14040H105      737     9980 SH       DEFINED                  9980        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CARDINAL HEALTH INC         COM                 14149Y108      345     7887 SH       SOLE                     7887        0        0
CARDINAL HEALTH INC         COM                 14149Y108      650    14852 SH       DEFINED                 14052      500      300
CAREMARK RX INC                                 141705103      218     6800 SH       SOLE                     6800        0        0
CAREMARK RX INC                                 141705103      298     9300 SH       DEFINED                  4700     1000     3600
CATERPILLAR INC DEL         COM                 149123101       56      700 SH       SOLE                      700        0        0
CATERPILLAR INC DEL         COM                 149123101       24      300 SH       DEFINED                   300        0        0
CENDANT CORP                COM                 151313103      252    11679 SH       SOLE                    11479        0      200
CENDANT CORP                COM                 151313103      115     5350 SH       DEFINED                  5350        0        0
CENTEX CORP                 COM                 152312104       10      200 SH       SOLE                      200        0        0
CENTEX CORP                 COM                 152312104       15      300 SH       DEFINED                   300        0        0
CENTRAL FUND OF CANADA      LIMITED CL A        153501101        5     1000 SH       DEFINED                  1000        0        0
CERTEGY INC                 COM                 156880106       26      715 SH       DEFINED                   715        0        0
CHARLES RIVER LABORATORIES  INTERNATIONAL INC   159864107       90     1970 SH       SOLE                     1970        0        0
CHESAPEAKE ENERGY CORP      COM                 165167107       39     2500 SH       DEFINED                  2500        0        0
CHEVRONTEXACO CORP          COM                 166764100      388     7246 SH       SOLE                     7246        0        0
CHEVRONTEXACO CORP          COM                 166764100      804    15000 SH       DEFINED                 13200        0     1800
CHOICEPOINT INC                                 170388102       51     1200 SH       DEFINED                  1200        0        0
CHUBB CORP                  COM                 171232101      602     8566 SH       SOLE                     8566        0        0
CHUBB CORP                  COM                 171232101      193     2750 SH       DEFINED                  2550      200        0
CHRUCH & DWIGHT INC                             171340102       21      750 SH       DEFINED                   750        0        0
CIENA CORP                  COM                 171779101        0      300 SH       SOLE                      300        0        0
CINERGY CORP                COM                 172474108        5      129 SH       SOLE                      129        0        0
CISCO SYS INC               COM                 17275R102      760    42028 SH       SOLE                    42028        0        0
CISCO SYS INC               COM                 17275R102      880    48665 SH       DEFINED                 47165        0     1500
CINTAS CORP                 COM                 172908105      735    17500 SH       DEFINED                 17500        0        0
CITIGROUP INC               COM                 172967101     1303    29544 SH       SOLE                    29244        0      300
CITIGROUP INC               COM                 172967101      848    19225 SH       DEFINED                 18725        0      500
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102      192     6185 SH       SOLE                     6185        0        0
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102      154     4950 SH       DEFINED                  3950     1000        0
COACH INC                   COM                 189754104      480    11330 SH       DEFINED                 11330        0        0
COCA COLA CO                COM                 191216100       44     1100 SH       SOLE                     1100        0        0
COCA COLA CO                COM                 191216100      556    13900 SH       DEFINED                 11700        0     2200
COLGATE PALMOLIVE CO        COM                 194162103       60     1350 SH       SOLE                     1350        0        0
COLGATE PALMOLIVE CO        COM                 194162103      108     2400 SH       DEFINED                  1800        0      600

                                                                  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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

COLONIAL PPTYS TR           COM SH BEN INT      195872106       34      850 SH       SOLE                      850        0        0
COMCAST CORP NEW CL A                           20030N101      212     7523 SH       SOLE                     7523        0        0
COMCAST CORP NEW CL A                           20030N101      279     9894 SH       DEFINED                  7055       48     2791
COMCAST CORP NEW CL A SPL                       20030N200      300    10750 SH       SOLE                    10750        0        0
COMCAST CORP NEW CL A SPL                       20030N200      227     8150 SH       DEFINED                  5050      800     2300
COMPUTER SCIENCES CORP      COM                 205363104      284     6050 SH       SOLE                     5900        0      150
COMPUTER SCIENCES CORP      COM                 205363104      204     4350 SH       DEFINED                  1850        0     2500
CONOCOPHILLIPS                                  20825C104      420     5070 SH       SOLE                     5070        0        0
CONOCOPHILLIPS                                  20825C104      710     8574 SH       DEFINED                  7074     1200      300
CONSOLIDATED EDISON INC     COM                 209115104        4      100 SH       SOLE                      100        0        0
CONSOLIDATED EDISON INC     COM                 209115104       32      764 SH       DEFINED                   764        0        0
CONSTELLATION BRANDS INC    CLASS A             21036P108      350     9200 SH       SOLE                     9200        0        0
CONSTELLATION BRANDS INC    CLASS A             21036P108      336     8850 SH       DEFINED                  4350     1400     3100
CORNING INC                 COM                 219350105       16     1500 SH       DEFINED                  1500        0        0
DNP SELECT INCOME FD INC    COM                 23325P104       33     3000 SH       SOLE                     3000        0        0
DPL INC                     COM                 233293109       13      675 SH       DEFINED                   675        0        0
DANAHER CORP                                    235851102       69     1360 SH       SOLE                     1360        0        0
DEL MONTE FOODS CO                              24522P103        1      178 SH       SOLE                      178        0        0
DEL MONTE FOODS CO                              24522P103        3      300 SH       DEFINED                   300        0        0
DELL INC                                        24702R101      721    20270 SH       SOLE                    20270        0        0
DELL INC                                        24702R101      459    12915 SH       DEFINED                  5415     1700     5800
DELPHI CORPORATION                              247126105       42     4546 SH       SOLE                     4546        0        0
DELPHI CORPORATION                              247126105      158    17059 SH       DEFINED                 17059        0        0
DEVON ENERGY CORP NEW       COM                 25179M103      451     6365 SH       SOLE                     6265        0      100
DEVON ENERGY CORP NEW       COM                 25179M103      422     5950 SH       DEFINED                  3350      300     2300
DIAMONDS TR                 UNIT SER 1          252787106      331     3282 SH       SOLE                     3282        0        0
DIAMONDS TR                 UNIT SER 1          252787106       35      350 SH       DEFINED                   350        0        0
DISNEY WALT CO              COM DISNEY          254687106      108     4825 SH       SOLE                     4825        0        0
DISNEY WALT CO              COM DISNEY          254687106      131     5847 SH       DEFINED                  5847        0        0
DOMINION RES INC VA NEW     COM                 25746U109      516     7922 SH       SOLE                     7922        0        0
DOMINION RES INC VA NEW     COM                 25746U109      656    10065 SH       DEFINED                 10065        0        0
DORAL FINANCIAL CORPORATION                     25811P100       41     1000 SH       DEFINED                  1000        0        0
DOW CHEM CO                 COM                 260543103     1134    25106 SH       SOLE                    24906        0      200
DOW CHEM CO                 COM                 260543103     1214    26876 SH       DEFINED                 23376     1000     2500

                                                                  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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

DU PONT E I DE NEMOURS & CO COM                 263534109      320     7484 SH       SOLE                     7484        0        0
DU PONT E I DE NEMOURS & CO COM                 263534109      141     3296 SH       DEFINED                  3096      200        0
DUKE ENERGY CORP            COM                 264399106      101     4416 SH       DEFINED                  4208        0      208
DUKE REALTY CORP                                264411505       13      400 SH       SOLE                      400        0        0
DUKE REALTY CORP                                264411505       51     1565 SH       DEFINED                  1565        0        0
DUQUESNE LT HLDGS INC COM                       266233105        4      277 SH       DEFINED                   277        0        0
E M C CORP MASS             COM                 268648102      275    23853 SH       SOLE                    23853        0        0
E M C CORP MASS             COM                 268648102      469    40700 SH       DEFINED                 27700     4000     9000
EOG RES INC                 COM                 26875P101      256     3900 SH       DEFINED                  3900        0        0
EAGLE MATERIALS INC                             26969P108        0        8 SH       SOLE                        8        0        0
EAGLE MATERIALS INC         CL B                26969P207        2       29 SH       SOLE                       29        0        0
EASTMAN CHEM CO             COM                 277432100       30      650 SH       DEFINED                   650        0        0
EASTMAN KODAK CO            COM                 277461109       12      375 SH       DEFINED                   375        0        0
EATON CORP                                      278058102      139     2200 SH       SOLE                     2200        0        0
EATON VANCE INSD MUNI BD FD                     27827X101       13     1000          SOLE                     1000        0        0
EATON VANCE INSD OHIO       MUN BD              27828L106       20     1330          SOLE                     1330        0        0
EBAY INC                    COM                 278642103      294     3200 SH       SOLE                     3200        0        0
EBAY INC                    COM                 278642103       27      300 SH       DEFINED                   300        0        0
EDISON INTL                 COM                 281020107       26     1000 SH       SOLE                     1000        0        0
EDISON INTL                 COM                 281020107       16      624 SH       DEFINED                     0        0      624
EDWARDS LIFESCIENCES CORP   COM                 28176E108        6      180 SH       SOLE                      180        0        0
EDWARDS LIFESCIENCES CORP   COM                 28176E108        6      190 SH       DEFINED                   190        0        0
EDWARDS AG INC              COM                 281760108       10      300 SH       SOLE                      300        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104       12      650 SH       SOLE                      650        0        0
EMERSON ELEC CO             COM                 291011104      231     3734 SH       SOLE                     3734        0        0
EMERSON ELEC CO             COM                 291011104      235     3800 SH       DEFINED                  3800        0        0
EQUIFAX INC                 COM                 294429105       37     1430 SH       DEFINED                  1430        0        0
EQUITY OFFICE PROPERTIES    TRUST               294741103       19      700 SH       SOLE                      700        0        0
EXXON MOBIL CORP            COM                 30231G102     2878    59567 SH       SOLE                    59567        0        0
EXXON MOBIL CORP            COM                 30231G102     2411    49894 SH       DEFINED                 40638      456     8800
FPL GROUP INC               COM                 302571104      116     1700 SH       SOLE                     1700        0        0
FPL GROUP INC               COM                 302571104      124     1828 SH       DEFINED                  1828        0        0
FAIRFAX FINANCIAL HOLDINGS  LTD                 303901102       24      200 SH       DEFINED                   200        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

FAMILY DOLLAR STORES INC                        307000109       16      600 SH       DEFINED                   600        0        0
FEDERAL HOME LN MTG CORP    COM                 313400301      189     2900 SH       SOLE                     2900        0        0
FEDERAL NATL MTG ASSN       COM                 313586109      107     1700 SH       SOLE                     1700        0        0
FEDERAL NATL MTG ASSN       COM                 313586109        8      131 SH       DEFINED                   131        0        0
FEDEX CORP                  COM                 31428X106      188     2200 SH       SOLE                     2200        0        0
FEDEX CORP                  COM                 31428X106      205     2400 SH       DEFINED                  1100        0     1300
FIFTH THIRD BANCORP         COM                 316773100       19      400 SH       DEFINED                   400        0        0
FIRST DATA CORP             COM                 319963104      718    16517 SH       SOLE                    16317        0      200
FIRST DATA CORP             COM                 319963104      973    22372 SH       DEFINED                 16860      912     4600
CEF FIRST TR VALUE FUND                         33735D104       29     2000 SH       DEFINED                  2000        0        0
FIRST W VA BANCORP INC      COM                 337493100        2      100 SH       SOLE                      100        0        0
FIRST W VA BANCORP INC      COM                 337493100       21     1000 SH       DEFINED                  1000        0        0
FIRST ENERGY CORP COM                           337932107       20      500 SH       DEFINED                   500        0        0
FLUOR CORP                  COM                 343412102       16      360 SH       SOLE                      360        0        0
FLUOR CORP                  COM                 343412102       13      300 SH       DEFINED                   300        0        0
FORD MTR CO DEL             COM PAR $0.01       345370860       16     1166 SH       SOLE                     1166        0        0
FORTUNE BRANDS INC          COM                 349631101      128     1730 SH       DEFINED                  1730        0        0
GALLAHER GROUP PLC          SPONSORED ADR       363595109       31      680 SH       DEFINED                   680        0        0
GANNETT INC                 COM                 364730101      639     7633 SH       SOLE                     7633        0        0
GANNETT INC                 COM                 364730101     1391    16615 SH       DEFINED                 14415        0     2200
GENERAL DYNAMICS CORP       COM                 369550108        6       67 SH       SOLE                       67        0        0
GENERAL ELEC CO             COM                 369604103     2280    67921 SH       SOLE                    67621        0      300
GENERAL ELEC CO             COM                 369604103     4267   127135 SH       DEFINED                120045     2390     4700
GENERAL GROWTH PROPERTIES                       370021107      155     5000 SH       SOLE                     5000        0        0
GENERAL MLS INC             COM                 370334104      321     7150 SH       SOLE                     7150        0        0
GENERAL MLS INC             COM                 370334104      303     6750 SH       DEFINED                  4750        0     2000
GENERAL MTRS CORP           COM                 370442105      358     8435 SH       SOLE                     8435        0        0
GENERAL MTRS CORP           COM                 370442105      258     6094 SH       DEFINED                  4884     1100      110
GENUINE PARTS CO            COM                 372460105       38     1000 SH       DEFINED                  1000        0        0
GILEAD SCIENCES INC                             375558103      186     5000 SH       SOLE                     4800        0      200
GILEAD SCIENCES INC                             375558103      156     4192 SH       DEFINED                  4192        0        0
GILLETTE CO                 COM                 375766102      122     2942 SH       SOLE                     2942        0        0
GILLETTE CO                 COM                 375766102       62     1500 SH       DEFINED                  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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

GLAXOSMITHKLINE PLC         SPONSORED ADR       37733W105      113     2600 SH       SOLE                     2600        0        0
GLAXOSMITHKLINE PLC         SPONSORED ADR       37733W105      126     2895 SH       DEFINED                  2845        0       50
GOLDMAN SACHS GROUP INC     COM                 38141G104      107     1150 SH       SOLE                     1150        0        0
GOLDMAN SACHS GROUP INC     COM                 38141G104      522     5600 SH       DEFINED                  5600        0        0
GRAINGER W W INC            COM                 384802104      115     2000 SH       DEFINED                     0        0     2000
GUIDANT CORP                COM                 401698105      132     2000 SH       DEFINED                  2000        0        0
HCA INC                     COM                 404119109       16      435 SH       SOLE                      435        0        0
HCA INC                     COM                 404119109       16      435 SH       DEFINED                   435        0        0
HARLEY DAVIDSON INC                             412822108      160     2700 SH       DEFINED                  2700        0        0
HARTFORD FINL SVCS GROUP INCCOM                 416515104      136     2200 SH       SOLE                     2200        0        0
HAWAIIAN ELECTRIC           INDUSTRIES INC      419870100        5      200 SH       DEFINED                   200        0        0
HEINZ H J CO                COM                 423074103      129     3600 SH       SOLE                     3600        0        0
HEINZ H J CO                COM                 423074103      337     9375 SH       DEFINED                  9375        0        0
HERSHEY FOODS CORP          COM                 427866108       56     1200 SH       SOLE                     1200        0        0
HEWLETT PACKARD CO          COM                 428236103       21     1150 SH       SOLE                     1150        0        0
HEWLETT PACKARD CO          COM                 428236103       11      616 SH       DEFINED                   616        0        0
HILLENBRAND INDS INC        COM                 431573104      101     2000 SH       DEFINED                  2000        0        0
HILTON HOTELS CORP                              432848109        9      500 SH       DEFINED                   500        0        0
HOME DEPOT INC              COM                 437076102      680    17370 SH       SOLE                    17220        0      150
HOME DEPOT INC              COM                 437076102      749    19117 SH       DEFINED                 15667      400     3050
HONEYWELL INTL INC          COM                 438516106      182     5100 SH       SOLE                     5100        0        0
HONEYWELL INTL INC          COM                 438516106       14      400 SH       DEFINED                   400        0        0
HOSPITALITY PROPERTIES TR                       44106M102       42     1000 SH       SOLE                     1000        0        0
HOSPIRA, INC.                                   441060100        9      325 SH       SOLE                      325        0        0
HOSPIRA, INC.                                   441060100        9      310 SH       DEFINED                   270       40        0
HUMANA INC                  COM                 444859102      227    11410 SH       DEFINED                 11410        0        0
HUNTINGTON BANCSHARES INC   COM                 446150104       37     1521 SH       DEFINED                  1521        0        0
ING CLARION GLOBAL REAL     ESTATE INCOME FUND  44982G104      215    16107 SH       DEFINED                 16107        0        0
ILLINOIS TOOL WKS INC       COM                 452308109       31      337 SH       SOLE                      337        0        0
IMATION CORP                                    45245A107       13      380 SH       SOLE                      380        0        0
IMAGISTICS INTERNATIONAL INCCOM                 45247T104        8      240 SH       DEFINED                   240        0        0
INTEL CORP                  COM                 458140100      872    43505 SH       SOLE                    43505        0        0
INTEL CORP                  COM                 458140100     1123    56040 SH       DEFINED                 46640     2000     7400

                                                                  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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

INTERNATIONAL BUSINESS MACH  COM                459200101      930    10850 SH       SOLE                    10850        0        0
INTERNATIONAL BUSINESS MACH  COM                459200101      906    10569 SH       DEFINED                  9697        0      872
INTL PAPER CO               COM                 460146103       76     1900 SH       SOLE                     1900        0        0
INTL PAPER CO               COM                 460146103       24      600 SH       DEFINED                   200        0      400
I SHARES JAPAN INDEX                            464286848       52     5400 SH       DEFINED                  5400        0        0
ISHARES TR                  S^P 500 INDEX       464287200      821     7344 SH       SOLE                     7344        0        0
ISHARES TR                  S^P 500 INDEX       464287200       22      200 SH       DEFINED                   200        0        0
S^P 500/BARRA GROWTH INDEX  FD                  464287309      188     3500 SH       SOLE                     3500        0        0
S^P 500/BARRA VALUE INDEX FD                    464287408      227     3945 SH       SOLE                     3945        0        0
ISHARES TRUST                                   464287440      300     3500 SH       SOLE                     3500        0        0
ISHARES TRUST MSCI EAFE FD  MSCI EAFE INDEX FUND464287465       35      250 SH       SOLE                      250        0        0
S^P MID CAP 400 INDEX FUND  I SHARES            464287507      305     2570 SH       SOLE                     2570        0        0
S^P MIDCAP 400/BARRA GROWTH INDEX FUND I SHS    464287606      105      875 SH       SOLE                      875        0        0
S^P MIDCAP 400/BARRA VALUE  INDEX FD            464287705      108      940 SH       SOLE                      940        0        0
S^P MIDCAP 400/BARRA VALUE  INDEX FD            464287705       48      420 SH       DEFINED                   420        0        0
S& P SMALL CAP 600 INDEX    FUND I SHARES       464287804      212     1474 SH       SOLE                     1474        0        0
S& P SMALL CAP 600 INDEX    FUND I SHARES       464287804       45      315 SH       DEFINED                   315        0        0
I SHARES TR S^P SMALL CAP   600/BARRA VALUE     464287879       94      867 SH       SOLE                      867        0        0
I SHARES TR S^P SMALL CAP   600/BARRA GROWTH    464287887       71      762 SH       SOLE                      762        0        0
JDS UNIPHASE CORP           COM                 46612J101        6     2000 SH       DEFINED                  2000        0        0
JPMORGAN CHASE & CO         COM                 46625H100      927    23343 SH       SOLE                    23143        0      200
JPMORGAN CHASE & CO         COM                 46625H100     3558    89590 SH       DEFINED                 86770     2820        0
JABIL CIRCUIT INC                               466313103       41     1800 SH       SOLE                     1800        0        0
JABIL CIRCUIT INC                               466313103       16      700 SH       DEFINED                   700        0        0
JOHNSON & JOHNSON           COM                 478160104     1119    19871 SH       SOLE                    19671        0      200
JOHNSON & JOHNSON           COM                 478160104     2306    40946 SH       DEFINED                 39246      500     1200
JOHNSON CONTROLS INC                            478366107      153     2700 SH       SOLE                     2700        0        0
JUNIPER NETWORKS INC        COM                 48203R104      108     4600 SH       SOLE                     4600        0        0
KLA - TENCOR CORPORATION                        482480100       20      500 SH       DEFINED                   500        0        0
KB HOME                     COM                 48666K109       33      400 SH       SOLE                      400        0        0
KB HOME                     COM                 48666K109       21      250 SH       DEFINED                   250        0        0
KELLOGG CO                                      487836108       17      400 SH       SOLE                      400        0        0
KEYSPAN CORP                                    49337W100       35      900 SH       SOLE                      900        0        0
KEYSPAN CORP                                    49337W100       19      500 SH       DEFINED                   500        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

KIMBERLY CLARK CORP         COM                 494368103      266     4126 SH       SOLE                     4126        0        0
KIMBERLY CLARK CORP         COM                 494368103      165     2560 SH       DEFINED                  1360        0     1200
KINDER MORGAN INC KANS      COM                 49455P101       87     1400 SH       SOLE                     1400        0        0
KOHLS CORP                  COM                 500255104       19      400 SH       SOLE                      400        0        0
KOHLS CORP                  COM                 500255104        7      150 SH       DEFINED                   150        0        0
KRAFT FOODS INC                                 50075N104       31     1000 SH       SOLE                     1000        0        0
KRAFT FOODS INC                                 50075N104        4      150 SH       DEFINED                   150        0        0
L-3 COMMUNICATIONS HOLDINGS INC                 502424104       65      980 SH       SOLE                      980        0        0
L-3 COMMUNICATIONS HOLDINGS INC                 502424104      244     3650 SH       DEFINED                  3650        0        0
LABORATORY CORP OF AMERICA  HOLDINGS            50540R409       57     1305 SH       DEFINED                  1305        0        0
ESTEE LAUDER CO INC CL A                        518439104       55     1340 SH       SOLE                     1340        0        0
LEAR CORP                   COM                 521865105       96     1780 SH       SOLE                     1780        0        0
LIBERTY MEDIA CORP NEW      COM SER A           530718105        8     1000 SH       DEFINED                  1000        0        0
LIBERTY MEDIA INTL CL A                         530719103        1       50 SH       DEFINED                    50        0        0
LIBERTY PPTY TR             SH BEN INT          531172104       35      900 SH       SOLE                      900        0        0
LILLY ELI & CO              COM                 532457108       48      800 SH       SOLE                      800        0        0
LILLY ELI & CO              COM                 532457108       42      700 SH       DEFINED                   700        0        0
LIMITED INC                 COM                 532716107       18      824 SH       SOLE                      824        0        0
LINCOLN NATIONAL CORP                           534187109       47     1000 SH       DEFINED                  1000        0        0
LOCKHEED MARTIN CORP        COM                 539830109       61     1100 SH       SOLE                     1100        0        0
LOCKHEED MARTIN CORP        COM                 539830109      174     3100 SH       DEFINED                  3100        0        0
LOWES COS INC               COM                 548661107       84     1550 SH       SOLE                     1550        0        0
LOWES COS INC               COM                 548661107       43      800 SH       DEFINED                   800        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107        9     3060 SH       SOLE                     3060        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107       12     3861 SH       DEFINED                  3861        0        0
MBIA INC                    COM                 55262C100      174     3000 SH       DEFINED                  3000        0        0
MBNA CORP                   COM                 55262L100      699    27761 SH       SOLE                    27761        0        0
MBNA CORP                   COM                 55262L100      548    21750 SH       DEFINED                  9100     2250    10400
MANDALAY RESORT GROUP                           562567107      137     2000 SH       SOLE                     2000        0        0
MARSH & MCLENNAN COS INC    COM                 571748102       32      700 SH       SOLE                      700        0        0
MARSH & MCLENNAN COS INC    COM                 571748102      118     2600 SH       DEFINED                  1600     1000        0
MASCO CORP                  COM                 574599106      481    13950 SH       SOLE                    13950        0        0
MASCO CORP                  COM                 574599106      367    10650 SH       DEFINED                  7250        0     3400

                                                                  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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

MAY DEPT STORES CO          COM                 577778103       21      850 SH       SOLE                      850        0        0
MAY DEPT STORES CO          COM                 577778103       26     1050 SH       DEFINED                  1050        0        0
MAYTAG CORP                 COM                 578592107        7      400 SH       DEFINED                   400        0        0
MCCORMICK & CO INC                              579780206       20      600 SH       SOLE                      600        0        0
MCDATA CORP                 CL A                580031201        0        7 SH       SOLE                        7        0        0
MCDONALDS CORP              COM                 580135101       47     1700 SH       SOLE                     1700        0        0
MCDONALDS CORP              COM                 580135101       30     1100 SH       DEFINED                  1100        0        0
MCGRAW HILL COS INC         COM                 580645109      111     1400 SH       SOLE                     1400        0        0
MCGRAW HILL COS INC         COM                 580645109      183     2300 SH       DEFINED                  2300        0        0
MEADWESTVACO CORP                               583334107       15      500 SH       DEFINED                   500        0        0
MEDCO HEALTH SOLUTIO                            58405U102       17      576 SH       SOLE                      576        0        0
MEDCO HEALTH SOLUTIO                            58405U102       18      588 SH       DEFINED                   293        0      295
MEDTRONIC INC               COM                 585055106      682    13146 SH       SOLE                    13046        0      100
MEDTRONIC INC               COM                 585055106      430     8300 SH       DEFINED                  5600        0     2700
MELLON FINL CORP            COM                 58551A108      133     4807 SH       SOLE                     4807        0        0
MELLON FINL CORP            COM                 58551A108      191     6928 SH       DEFINED                   928        0     6000
MERCK & CO INC              COM                 589331107      322     9800 SH       SOLE                     9800        0        0
MERCK & CO INC              COM                 589331107      269     8179 SH       DEFINED                  5729        0     2450
MERRILL LYNCH & CO INC      COM                 590188108      181     3650 SH       SOLE                     3650        0        0
MERRILL LYNCH & CO INC      COM                 590188108      208     4200 SH       DEFINED                  4200        0        0
METLIFE INC                                     59156R108       38     1000 SH       SOLE                     1000        0        0
METLIFE INC                                     59156R108       57     1500 SH       DEFINED                     0     1500        0
MICROSOFT CORP              COM                 594918104     1235    44698 SH       SOLE                    44498        0      200
MICROSOFT CORP              COM                 594918104     2060    74530 SH       DEFINED                 61930     1500    11100
MID CAP S P D R TRUST UNIT  SER 1               595635103       95      884 SH       SOLE                      884        0        0
MID CAP S P D R TRUST UNIT  SER 1               595635103       37      350 SH       DEFINED                   350        0        0
MONSANTO CO (NEW)                               61166W101        1       42 SH       SOLE                       42        0        0
MONSANTO CO (NEW)                               61166W101        1       42 SH       DEFINED                    42        0        0
MORGAN STANLEY              COM NEW             617446448      280     5690 SH       SOLE                     5690        0        0
MORGAN STANLEY              COM NEW             617446448       69     1400 SH       DEFINED                   300     1100        0
MOTOROLA INC                COM                 620076109      131     7300 SH       SOLE                     7300        0        0
MOTOROLA INC                COM                 620076109       10      600 SH       DEFINED                   600        0        0
MURPHY OIL CORP                                 626717102      109     1260 SH       SOLE                     1260        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

MYLAN LABS INC              COM                 628530107      174     9700 SH       SOLE                     9700        0        0
MYLAN LABS INC              COM                 628530107       42     2350 SH       DEFINED                  1850      500        0
NCR CORP NEW                COM                 62886E108        0        1 SH       DEFINED                     1        0        0
NASDAQ 100 TR               UNIT SER 1          631100104       17      500 SH       SOLE                      500        0        0
NASDAQ 100 TR               UNIT SER 1          631100104      498    14200 SH       DEFINED                 14200        0        0
NATIONAL CITY CORP          COM                 635405103      131     3400 SH       SOLE                     3400        0        0
NATIONAL CITY CORP          COM                 635405103       54     1400 SH       DEFINED                  1400        0        0
NATIONAL FUEL GAS CO N J    COM                 636180101      546    19300 SH       SOLE                    19300        0        0
NATIONAL FUEL GAS CO N J    COM                 636180101      487    17220 SH       DEFINED                 12720     2000     2500
NATIONAL SEMICONDUCTOR CORP COM                 637640103       18     1200 SH       SOLE                     1200        0        0
NATIONWIDE FINL SVC                             638612101       16      470 SH       DEFINED                   470        0        0
NETWORK APPLIANCE INC       COM                 64120L104       46     2000 SH       DEFINED                  2000        0        0
NEWELL RUBBERMAID INC       COM                 651229106       12      600 SH       SOLE                      600        0        0
NEWELL RUBBERMAID INC       COM                 651229106      143     7184 SH       DEFINED                  7184        0        0
NEXTEL COMMUNICATIONS INC   CL A                65332V103       60     2550 SH       SOLE                     2550        0        0
NEXTEL COMMUNICATIONS INC   CL A                65332V103       23     1000 SH       DEFINED                  1000        0        0
NIKE INC                    CL B                654106103       63      800 SH       DEFINED                   800        0        0
NOKIA CORP                  SPONSORED ADR       654902204       98     7200 SH       SOLE                     7200        0        0
NOKIA CORP                  SPONSORED ADR       654902204      471    34350 SH       DEFINED                 34350        0        0
NORFOLK SOUTHERN CORP       COM                 655844108       13      450 SH       DEFINED                     0        0      450
NORTEL NETWORKS CORP NEW    COM                 656568102        6     2000 SH       DEFINED                  2000        0        0
NORTH FORK BANCORPORATION   INC                 659424105       88     2000 SH       SOLE                     2000        0        0
NORTHROP GRUMMAN CORP       COM                 666807102       53     1000 SH       DEFINED                  1000        0        0
NOVELLUS SYS INC            COM                 670008101       42     1600 SH       SOLE                     1600        0        0
NUVEEN INVESTMENT QUALITY   MUNICIPAL FUND, INC.67062E103       99     6552          DEFINED                  6552        0        0
NUVEEN MUN INCOME FUND INC                      67062J102       13     1361          DEFINED                  1361        0        0
NUVEEN MUN MKT OPPORTUNITY  FUND INC            67062W103        9      637          DEFINED                   637        0        0
NUVEEN N Y INVT QUALITY     MUN FD INC          67062X101      118     7657          DEFINED                  7657        0        0
NUVEEN REAL ESTATE INCOME FD                    67071B108      152     8000 SH       DEFINED                  8000        0        0
NUVEEN INSURED DIVIDEND     ADVANTAGE MUNICIPAL 67071L106       10      700 SH       SOLE                      700        0        0
CEF NUVEEN QUALITY PFD      INCOME FUND         67071S101       69     4750 SH       DEFINED                  4750        0        0
OGE ENERGY CORP             COM                 670837103       20      800 SH       SOLE                      800        0        0
NUVEEN TAX ADVANTAGE TOTAL  RETURN STRAT FUND   67090H102      145     8000 SH       DEFINED                  8000        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

NUVEEN MUNICIPAL VALUE FD                       670928100        5      632          DEFINED                   632        0        0
NUVEEN OHIO QUALITY INCOME  MUN FD              670980101       36     2166          SOLE                     2166        0        0
NUVEEN INSURED MUNICPAL     OPPORTUNITY FUND    670984103        5      333          DEFINED                   333        0        0
OCCIDENTAL PETROLEUM CORP                       674599105      139     2500 SH       DEFINED                  2500        0        0
ODYSSEY HEALTHCARE INC                          67611V101       45     2570 SH       SOLE                     2570        0        0
OMNICOM GROUP INC           COM                 681919106      715     9790 SH       SOLE                     9790        0        0
OMNICOM GROUP INC           COM                 681919106      547     7500 SH       DEFINED                  3800      200     3500
ORACLE CORP                 COM                 68389X105       60     5350 SH       SOLE                     5350        0        0
ORACLE CORP                 COM                 68389X105      223    19800 SH       DEFINED                  1900        0    17900
PNC FINL SVCS GROUP INC     COM                 693475105      183     3400 SH       SOLE                     3400        0        0
PNC FINL SVCS GROUP INC     COM                 693475105       81     1500 SH       DEFINED                   500        0     1000
PPG INDS INC                COM                 693506107      422     6900 SH       SOLE                     6900        0        0
PPG INDS INC                COM                 693506107      477     7790 SH       DEFINED                  6690      800      300
PPL CORP                                        69351T106       35      750 SH       DEFINED                   750        0        0
PACTIV CORP                                     695257105       93     4000 SH       SOLE                     4000        0        0
PAN PACIFIC RETAIL PPTYS INCCOM                 69806L104       70     1302 SH       DEFINED                  1302        0        0
PAYCHEX INC                 COM                 704326107       67     2250 SH       SOLE                     2250        0        0
PENTAIR INC                                     709631105       84     2420 SH       SOLE                     2420        0        0
PEPCO HOLDINGS INC                              713291102       19     1000 SH       DEFINED                  1000        0        0
PEPSICO INC                 COM                 713448108      478     9844 SH       SOLE                     9644        0      200
PEPSICO INC                 COM                 713448108      928    19080 SH       DEFINED                 18380        0      700
PFIZER INC                  COM                 717081103      969    31709 SH       SOLE                    31409        0      300
PFIZER INC                  COM                 717081103      437    14287 SH       DEFINED                 13287     1000        0
PIER 1 IMPORTS INC                              720279108       90     5000 SH       DEFINED                     0        0     5000
PINNACLE WEST CAPITAL CORP                      723484101      112     2710 SH       SOLE                     2710        0        0
PITNEY BOWES INC            COM                 724479100       63     1430 SH       SOLE                     1430        0        0
PITNEY BOWES INC            COM                 724479100      158     3600 SH       DEFINED                  3600        0        0
PRAXAIR INC                                     74005P104       24      576 SH       DEFINED                   576        0        0
PROCTER & GAMBLE CO         COM                 742718109     1108    20480 SH       SOLE                    20480        0        0
PROCTER & GAMBLE CO         COM                 742718109      876    16200 SH       DEFINED                  8700     1000     6500
PROGRESS ENERGY INC         COM                 743263105      334     7891 SH       SOLE                     7741        0      150
PROGRESS ENERGY INC         COM                 743263105      223     5270 SH       DEFINED                  4579      191      500
PRUDENTIAL FINL INC         COM                 744320102        2       59 SH       DEFINED                     0       59        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

PUBLIC SVC ENTERPRISE GROUP COM                 744573106        4      110 SH       SOLE                      110        0        0
PUBLIC SVC ENTERPRISE GROUP COM                 744573106       31      750 SH       DEFINED                   550      200        0
QUALCOMM INC                COM                 747525103      156     4000 SH       SOLE                     4000        0        0
QUEST DIAGNOSTICS INC                           74834L100      293     3325 SH       SOLE                     3325        0        0
QUEST DIAGNOSTICS INC                           74834L100      167     1900 SH       DEFINED                  1500      400        0
QWEST COMMUNICATIONS INTL INCOM                 749121109        1      415 SH       DEFINED                   415        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       69     1785 SH       DEFINED                  1785        0        0
ROCKWELL COLLINS INC        COM                 774341101       66     1785 SH       DEFINED                  1785        0        0
ROPER INDS INC NEW          COM                 776696106       42      746 SH       DEFINED                   746        0        0
ROYAL DUTCH PETE CO         NY REG GLD1.25      780257804       51     1000 SH       DEFINED                  1000        0        0
SBC COMMUNICATIONS INC      COM                 78387G103      665    25664 SH       SOLE                    25664        0        0
SBC COMMUNICATIONS INC      COM                 78387G103      401    15471 SH       DEFINED                 12445     1526     1500
THE ST. PAUL TRAVELERS      COMPANIES INC  COM  792860108        5      175 SH       SOLE                      175        0        0
THE ST. PAUL TRAVELERS      COMPANIES INC  COM  792860108        6      211 SH       DEFINED                   211        0        0
SARA LEE CORP               COM                 803111103       64     2800 SH       SOLE                     2800        0        0
SARA LEE CORP               COM                 803111103      661    28925 SH       DEFINED                 28925        0        0
SCHLUMBERGER LTD            COM                 806857108      178     2650 SH       SOLE                     2650        0        0
SCHLUMBERGER LTD            COM                 806857108      137     2050 SH       DEFINED                  2050        0        0
SCUDDER MUNI INCOME TR                          81118R604       12     1000          SOLE                     1000        0        0
SEARS ROEBUCK & CO          COM                 812387108       23      600 SH       DEFINED                   600        0        0
SECTOR SPDR TRUST                               81369Y803      324    17000 SH       DEFINED                 17000        0        0
SHERWIN WILLIAMS CO         COM                 824348106       13      300 SH       DEFINED                   300        0        0
SIGMA-ALDRICH CORP                              826552101       78     1360 SH       SOLE                     1360        0        0
JM SMUCKER CO                                   832696405        1       32 SH       SOLE                       32        0        0
JM SMUCKER CO                                   832696405       19      446 SH       DEFINED                   446        0        0
SOLECTRON CORP              COM                 834182107        9     2000 SH       DEFINED                  2000        0        0
SOUTHERN CO                                     842587107       26      880 SH       DEFINED                   880        0        0
SOUTHTRUST CORP             COM                 844730101       66     1600 SH       SOLE                     1600        0        0
SOUTHTRUST CORP             COM                 844730101       16      400 SH       DEFINED                     0        0      400
STAPLES INC                 COM                 855030102        4      150 SH       SOLE                      150        0        0
STAPLES INC                 COM                 855030102       11      400 SH       DEFINED                   400        0        0
STARBUCKS CORP                                  855244109       79     1750 SH       SOLE                     1750        0        0
STARBUCKS CORP                                  855244109       18      400 SH       DEFINED                   400        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

STATE AUTO FINANCIAL CORP                       855707105      318    11000 SH       DEFINED                 11000        0        0
STATE STR CORP              COM                 857477103       51     1200 SH       SOLE                     1200        0        0
STATE STR CORP              COM                 857477103       89     2100 SH       DEFINED                  2100        0        0
STRYKER CORP                                    863667101        6      140 SH       SOLE                      140        0        0
SUN MICROSYSTEMS INC        COM                 866810104        2      700 SH       DEFINED                   700        0        0
SYMANTEC CORP                                   871503108      109     2000 SH       SOLE                     2000        0        0
SYMANTEC CORP                                   871503108       16      300 SH       DEFINED                   300        0        0
SYSCO CORP                  COM                 871829107       14      500 SH       SOLE                      500        0        0
SYSCO CORP                  COM                 871829107       97     3250 SH       DEFINED                  3250        0        0
TECO ENERGY INC             COM                 872375100        2      200 SH       SOLE                      200        0        0
TECO ENERGY INC             COM                 872375100       40     3000 SH       DEFINED                     0        0     3000
TJX COS INC NEW             COM                 872540109       48     2200 SH       SOLE                     2200        0        0
TARGET CORP                 COM                 87612E106      247     5478 SH       SOLE                     5278        0      200
TARGET CORP                 COM                 87612E106      171     3800 SH       DEFINED                  2100     1200      500
TECHE HOLDING CO                                878330109       24      600 SH       SOLE                      600        0        0
TELEFLEX INC.                                   879369106       12      300 SH       DEFINED                   300        0        0
TEVA PHARMACEUTICAL         INDUSTRIES LTD      881624209      150     5790 SH       DEFINED                  5790        0        0
TEXAS INSTRS INC            COM                 882508104      277    13050 SH       SOLE                    13050        0        0
TEXAS INSTRS INC            COM                 882508104      631    29700 SH       DEFINED                 29200      500        0
TEXTRON INC                                     883203101       51      800 SH       SOLE                      800        0        0
3M CO                                           88579Y101      430     5386 SH       SOLE                     5386        0        0
3M CO                                           88579Y101      767     9600 SH       DEFINED                  6200        0     3400
TIME WARNER INC NEW                             887317105      123     7648 SH       SOLE                     7648        0        0
TIME WARNER INC NEW                             887317105       62     3870 SH       DEFINED                  3870        0        0
TRIBUNE CO NEW              COM                 896047107       32      800 SH       SOLE                      800        0        0
TYCO INTL LTD NEW           COM                 902124106      273     8910 SH       SOLE                     8910        0        0
TYCO INTL LTD NEW           COM                 902124106       41     1348 SH       DEFINED                  1074        0      274
US BANCORP                                      902973304      179     6220 SH       SOLE                     6220        0        0
ULTRA PETROLEUM CORP                            903914109       19      400 SH       DEFINED                   400        0        0
UNION PAC CORP              COM                 907818108      585     9990 SH       SOLE                     9990        0        0
UNION PAC CORP              COM                 907818108      442     7550 SH       DEFINED                  6050        0     1500
UNITED BANKSHARES INC WEST VCOM                 909907107      521    15050 SH       SOLE                    15050        0        0
UNITED BANKSHARES INC WEST VCOM                 909907107      971    28058 SH       DEFINED                 25058        0     3000

                                                                  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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

UNITED BANCORP INC OHIO     COM                 909911109        6      462 SH       SOLE                      462        0        0
UNITED BANCORP INC OHIO     COM                 909911109       27     1925 SH       DEFINED                  1925        0        0
UNITED PARCEL SERVICE INC   CL B                911312106      141     1860 SH       SOLE                     1860        0        0
UNITED PARCEL SERVICE INC   CL B                911312106       37      500 SH       DEFINED                   500        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109      418     4482 SH       SOLE                     4482        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109     1400    15000 SH       DEFINED                 14150        0      850
UNITEDHEALTH GROUP INC      COM                 91324P102      148     2010 SH       SOLE                     2010        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100       85     1060 SH       SOLE                     1060        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100      165     2062 SH       DEFINED                  2062        0        0
VARIAN MEDICAL SYSTEMS INC                      92220P105      117     3400 SH       DEFINED                  3400        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      741    18831 SH       SOLE                    18831        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      820    20830 SH       DEFINED                 18470        0     2360
VIACOM INC                  CL B                925524308      168     5030 SH       SOLE                     5030        0        0
VIACOM INC                  CL B                925524308       25      759 SH       DEFINED                   542        0      217
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       77     3230 SH       SOLE                     3230        0        0
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       46     1910 SH       DEFINED                  1910        0        0
VORNADO REALTY TRUST                            929042109      125     2000 SH       SOLE                     2000        0        0
WHX CORP                                        929248409        0        3 SH       SOLE                        3        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102       11      250 SH       DEFINED                   250        0        0
WAL MART STORES INC         COM                 931142103      790    14850 SH       SOLE                    14850        0        0
WAL MART STORES INC         COM                 931142103      498     9365 SH       DEFINED                  3865        0     5500
WALGREEN CO                 COM                 931422109      394    11000 SH       SOLE                    11000        0        0
WALGREEN CO                 COM                 931422109      311     8695 SH       DEFINED                  7495     1200        0
WASHINGTON MUTUAL INC COMMON                    939322103      389     9970 SH       SOLE                     9970        0        0
WASHINGTON MUTUAL INC COMMON                    939322103      646    16550 SH       DEFINED                 12450     1200     2900
WASTE MGMT INC DEL          COM                 94106L109        1       72 SH       DEFINED                    72        0        0
WATSON PHARMACEUTICALS INC  COM                 942683103       44     1500 SH       DEFINED                     0        0     1500
WELLMAN INC                                     949702104       19     2300 SH       SOLE                     2300        0        0
WELLPOINT HEALTH NETWORK NEWCOM                 94973H108       63      600 SH       DEFINED                   600        0        0
WELLS FARGO & CO NEW        COM                 949746101      182     3060 SH       SOLE                     3060        0        0
WELLS FARGO & CO NEW        COM                 949746101      231     3890 SH       DEFINED                  3800       90        0
WESBANCO INC                COM                 950810101     2222    76467 SH       SOLE                    76467        0        0
WESBANCO INC                COM                 950810101     1146    39444 SH       DEFINED                 39444        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

WEYERHAEUSER CO             COM                 962166104       69     1050 SH       DEFINED                     0        0     1050
WHIRLPOOL CORP              COM                 963320106       28      475 SH       DEFINED                   475        0        0
WHOLE FOOD MARKET INC                           966837106      126     1470 SH       DEFINED                  1470        0        0
WYETH COM                                       983024100     1171    31336 SH       SOLE                    31336        0        0
WYETH COM                                       983024100     2012    53836 SH       DEFINED                 50467      389     2980
XCEL ENERGY INC             COM                 98389B100      122     7100 SH       SOLE                     7100        0        0
XCEL ENERGY INC             COM                 98389B100       82     4784 SH       DEFINED                  1000        0     3784
XILINX INC                  COM                 983919101      391    14500 SH       SOLE                    14500        0        0
XILINX INC                  COM                 983919101      221     8200 SH       DEFINED                  5900        0     2300
XEROX CORP                  COM                 984121103        4      300 SH       DEFINED                   300        0        0
YUM BRANDS INC. COM                             988498101      145     3590 SH       SOLE                     3590        0        0
ZIMMER HLDGS INC            COM                 98956P102      362     4584 SH       SOLE                     4484        0      100
ZIMMER HLDGS INC            COM                 98956P102     2411    30511 SH       DEFINED                 29294        0     1217

 GRAND TOTALS                                               143320  3777060                                3475280    54204   247576