Security National Trust

Security National Trust as of Dec. 31, 2004

Portfolio Holdings for Security National Trust

Security National Trust holds 0 positions in its portfolio as reported in the December 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       92     2800 SH       SOLE                     2800        0        0
GLOBALSANTAFE CORPORATION                       G3930E101       49     1500 SH       OTHER                       0     1500        0
INGERSOLL-RAND CL A                             G4776G101      236     2950 SH       SOLE                     2850        0      100
INGERSOLL-RAND CL A                             G4776G101      108     1350 SH       OTHER                     650      100      600
NABORS INDUSTRIES LTD NEW                       G6359F103      210     4100 SH       SOLE                     4000        0      100
NABORS INDUSTRIES LTD NEW                       G6359F103       87     1700 SH       OTHER                    1700        0        0
TRANSOCEAN INC                                  G90078109       11      266 SH       SOLE                      266        0        0
TRANSOCEAN INC                                  G90078109       13      309 SH       OTHER                     309        0        0
WEATHERFORD INT'L LTD       BERMUDA             G95089101      184     3600 SH       SOLE                     3600        0        0
WEATHERFORD INT'L LTD       BERMUDA             G95089101       61     1200 SH       OTHER                    1200        0        0
FLEXTRONICS INTL LTD        ORD                 Y2573F102      153    11100 SH       SOLE                    10600        0      500
FLEXTRONICS INTL LTD        ORD                 Y2573F102      248    18000 SH       OTHER                   10000        0     8000
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      103     2600 SH       OTHER                    2600        0        0
AES CORP                    COM                 00130H105        8      600 SH       SOLE                      600        0        0
AT^T CORP                   COM NEW             001957505       13      716 SH       SOLE                      716        0        0
AT^T CORP                   COM NEW             001957505       24     1272 SH       OTHER                    1272        0        0
ABBOTT LABS                 COM                 002824100      305     6550 SH       SOLE                     6550        0        0
ABBOTT LABS                 COM                 002824100      286     6150 SH       OTHER                    2850      400     2900
ADVANCE FINANCIAL BANCORP                       007437106      234     9045 SH       SOLE                     9045        0        0
AFFILIATED COMPUTER         SERVICES INC        008190100      642    10675 SH       SOLE                    10525        0      150
AFFILIATED COMPUTER         SERVICES INC        008190100      391     6500 SH       OTHER                    4000        0     2500
AGERE SYSTEMS INC  CL A                         00845V100        0        7 SH       SOLE                        7        0        0
AGERE SYSTEMS INC  CL A                         00845V100        0        2 SH       OTHER                       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       OTHER                      82        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101        0       38 SH       SOLE                       38        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101        6      250 SH       OTHER                     250        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

AIR PRODS & CHEMS INC       COM                 009158106      524     9050 SH       SOLE                     8900        0      150
AIR PRODS & CHEMS INC       COM                 009158106      391     6750 SH       OTHER                    4450      300     2000
ALCOA INC                   COM                 013817101      171     5474 SH       SOLE                     5474        0        0
ALCOA INC                   COM                 013817101      298     9500 SH       OTHER                    6500        0     3000
ALLEGHENY ENERGY INC        COM                 017361106       11      600 SH       SOLE                      600        0        0
ALLIANT ENERGY CORP                             018802108       11      400 SH       OTHER                       0        0      400
ALLSTATE CORP               COM                 020002101      504     9750 SH       SOLE                     9750        0        0
ALLSTATE CORP               COM                 020002101      439     8500 SH       OTHER                    7200     1300        0
ALLTEL CORP                 COM                 020039103       35      600 SH       SOLE                      600        0        0
ALLTEL CORP                 COM                 020039103      190     3250 SH       OTHER                    3250        0        0
ALTRIA GROUP INC                                02209S103      444     7270 SH       SOLE                     7270        0        0
ALTRIA GROUP INC                                02209S103     1225    20061 SH       OTHER                   16061        0     4000
AMBAC FINANCIAL GROUP INC                       023139108        5       67 SH       SOLE                       67        0        0
AMEREN CORPORATION                              023608102       12      257 SH       OTHER                     257        0        0
AMEREN CORP PFD 9.75%                           023608201       37     1295 SH       OTHER                    1295        0        0
AMERICAN ELEC PWR INC       COM                 025537101       29      870 SH       SOLE                      870        0        0
AMERICAN ELEC PWR INC       COM                 025537101       73     2137 SH       OTHER                     734     1403        0
AMERICAN EXPRESS CO         COM                 025816109      892    15837 SH       SOLE                    15837        0        0
AMERICAN EXPRESS CO         COM                 025816109      425     7555 SH       OTHER                    7355      200        0
AMERICAN INTL GROUP INC     COM                 026874107      960    14630 SH       SOLE                    14630        0        0
AMERICAN INTL GROUP INC     COM                 026874107      673    10255 SH       OTHER                    9955        0      300
AMERISOURCEBERGEN CORP      COM                 03073E105       47      815 SH       SOLE                      815        0        0
AMERISOURCEBERGEN CORP      COM                 03073E105       58     1000 SH       OTHER                       0        0     1000
AMGEN INC                   COM                 031162100     1055    16450 SH       SOLE                    16350        0      100
AMGEN INC                   COM                 031162100     1639    25550 SH       OTHER                   21550      700     3300
AMSOUTH BANCORPORATION                          032165102      261    10100 SH       SOLE                    10100        0        0
AMSOUTH BANCORPORATION                          032165102       20      800 SH       OTHER                     800        0        0
ANADARKO PETE CORP          COM                 032511107       72     1114 SH       SOLE                     1114        0        0
ANADARKO PETE CORP          COM                 032511107      202     3126 SH       OTHER                    3126        0        0
ANHEUSER BUSCH COS INC      COM                 035229103      606    11960 SH       SOLE                    11860        0      100
ANHEUSER BUSCH COS INC      COM                 035229103      410     8100 SH       OTHER                    8100        0        0
APACHE CORP                 COM                 037411105      313     6207 SH       SOLE                     6207        0        0
APACHE CORP                 COM                 037411105      238     4714 SH       OTHER                    3954      300      460

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

APOLLO GROUP INC                                037604105       80     1000 SH       SOLE                     1000        0        0
APPLEBEES INTERNATIONAL INC                     037899101       19      750 SH       OTHER                     750        0        0
APPLERA CORP COM APPLIED    BIOSYSTEMS GROUP    038020103      136     6534 SH       OTHER                    6534        0        0
APPLERA CORP CELERA         GENOMICS GROUP      038020202        2      217 SH       SOLE                      217        0        0
APPLERA CORP CELERA         GENOMICS GROUP      038020202       23     1729 SH       OTHER                    1729        0        0
APPLIED MATLS INC           COM                 038222105      376    22025 SH       SOLE                    22025        0        0
APPLIED MATLS INC           COM                 038222105      234    13750 SH       OTHER                    7350     2000     4400
ARCHER DANIELS MIDLAND CO   COM                 039483102       46     2067 SH       OTHER                    2067        0        0
ARCHSTONE-SMITH TRUST                           039583109       17      450 SH       OTHER                     450        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103       57     1300 SH       SOLE                     1300        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103      558    12600 SH       OTHER                   12600        0        0
AUTOZONE INC                                    053332102      109     1200 SH       OTHER                    1200        0        0
AVALONBAY COMMUNITIES INC                       053484101        7      100 SH       OTHER                     100        0        0
AVAYA INC                   COM                 053499109        0       27 SH       SOLE                       27        0        0
AVAYA INC                   COM                 053499109        0       57 SH       OTHER                      57        0        0
GDR AVENTIS ADR                                 053561106       23      250 SH       SOLE                      250        0        0
AVERY DENNISON CORP         COM                 053611109       47      800 SH       SOLE                      800        0        0
AVERY DENNISON CORP         COM                 053611109       23      400 SH       OTHER                     400        0        0
AVON PRODS INC              COM                 054303102       19      500 SH       SOLE                      500        0        0
AVON PRODS INC              COM                 054303102       46     1200 SH       OTHER                     200        0     1000
BB^T CORP                                       054937107      129     3074 SH       OTHER                    3074        0        0
BP AMOCO P L C              SPONSORED ADR       055622104      646    11074 SH       SOLE                    11074        0        0
BP AMOCO P L C              SPONSORED ADR       055622104     1278    21900 SH       OTHER                   19300      100     2500
BAKER HUGHES INC            COM                 057224107       93     2200 SH       SOLE                     2200        0        0
BAKER HUGHES INC            COM                 057224107      106     2500 SH       OTHER                    1200     1200      100
BANK OF AMERICA CORPORATION COM                 060505104      671    14290 SH       SOLE                    14290        0        0
BANK OF AMERICA CORPORATION COM                 060505104      659    14038 SH       OTHER                   13564        0      474
BANK NEW YORK INC           COM                 064057102      198     5954 SH       SOLE                     5954        0        0
BANK NEW YORK INC           COM                 064057102       30      900 SH       OTHER                     900        0        0
BAXTER INTL INC             COM                 071813109      119     3450 SH       SOLE                     3450        0        0
BAXTER INTL INC             COM                 071813109      724    20982 SH       OTHER                   20782        0      200
BELLSOUTH CORP              COM                 079860102      328    11832 SH       SOLE                    11832        0        0
BELLSOUTH CORP              COM                 079860102      350    12606 SH       OTHER                    9206     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       39     6474 SH       SOLE                     6474        0        0
BELMONT BANCORP             COM                 080162100       67    11000 SH       OTHER                   11000        0        0
BEST BUY INC                COM                 086516101      512     8625 SH       SOLE                     8475        0      150
BEST BUY INC                COM                 086516101      145     2450 SH       OTHER                    2350      100        0
BIOMET INC                  COM                 090613100      186     4300 SH       SOLE                     4300        0        0
BIOMET INC                  COM                 090613100      451    10400 SH       OTHER                    3600        0     6800
BIOVAIL CORP                                    09067J109       54     3290 SH       SOLE                     3290        0        0
BLACK & DECKER CORP                             091797100       44      500 SH       SOLE                      500        0        0
BLACK & DECKER CORP                             091797100        8      100 SH       OTHER                     100        0        0
BLACKROCK CORE BD TR        SHS BEN INT         09249E101       67     5000 SH       OTHER                    5000        0        0
BOEING CO                   COM                 097023105      176     3400 SH       SOLE                     3400        0        0
BOEING CO                   COM                 097023105       77     1500 SH       OTHER                     500        0     1000
BOSTON SCIENTIFIC CORP                          101137107       78     2200 SH       SOLE                     2200        0        0
BOSTON SCIENTIFIC CORP                          101137107       33      950 SH       OTHER                     450      500        0
BRISTOL MYERS SQUIBB CO     COM                 110122108      482    18842 SH       SOLE                    18842        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108     2233    87200 SH       OTHER                   80240        0     6960
BURLINGTON NORTHN SANTA FE CCOM                 12189T104       25      540 SH       OTHER                     540        0        0
BURLINGTON RES INC          COM                 122014103       86     1978 SH       OTHER                    1978        0        0
CIGNA CORP                  COM                 125509109       11      140 SH       SOLE                      140        0        0
CMS ENERGY CORP                                 125896100        1      100 SH       OTHER                     100        0        0
CSX CORP                    COM                 126408103      248     6204 SH       SOLE                     6204        0        0
CSX CORP                    COM                 126408103        6      162 SH       OTHER                     162        0        0
CVS CORP                    COM                 126650100      198     4400 SH       SOLE                     4400        0        0
CVS CORP                    COM                 126650100      123     2750 SH       OTHER                    2750        0        0
CABELA'S INC.                                   126804301       11      500 SH       OTHER                     500        0        0
CALPINE CORP                COM                 131347106       22     5600 SH       SOLE                     5600        0        0
CAMDEN PPTY TR              SH BEN INT          133131102      153     3000 SH       OTHER                    3000        0        0
CANADIAN PACIFIC RAILWAY    LTD                 13645T100        8      250 SH       OTHER                     250        0        0
CAPITAL AUTOMOTIVE REIT     COM SH BEN INT      139733109     1472    41460 SH       OTHER                   41460        0        0
CAPITAL ONE FINL CORP       COM                 14040H105      126     1500 SH       SOLE                     1500        0        0
CAPITAL ONE FINL CORP       COM                 14040H105      840     9980 SH       OTHER                    9980        0        0
CARDINAL HEALTH INC         COM                 14149Y108      463     7973 SH       SOLE                     7973        0        0
CARDINAL HEALTH INC         COM                 14149Y108      818    14082 SH       OTHER                   13282      500      300

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

CAREMARK RX INC                                 141705103      260     6600 SH       SOLE                     6600        0        0
CAREMARK RX INC                                 141705103      331     8400 SH       OTHER                    3800     1000     3600
CATERPILLAR INC DEL         COM                 149123101       68      700 SH       SOLE                      700        0        0
CATERPILLAR INC DEL         COM                 149123101       29      300 SH       OTHER                     300        0        0
CENDANT CORP                COM                 151313103      276    11829 SH       SOLE                    11629        0      200
CENDANT CORP                COM                 151313103      125     5350 SH       OTHER                    5350        0        0
CENTEX CORP                 COM                 152312104       11      200 SH       SOLE                      200        0        0
CENTEX CORP                 COM                 152312104        8      150 SH       OTHER                     150        0        0
CENTRAL FUND OF CANADA      LIMITED CL A        153501101        5     1000 SH       OTHER                    1000        0        0
CERTEGY INC                 COM                 156880106       25      715 SH       OTHER                     715        0        0
CHARLES RIV LABS INTL INC   COM                 159864107       90     1970 SH       SOLE                     1970        0        0
CHESAPEAKE ENERGY CORP      COM                 165167107       41     2500 SH       OTHER                    2500        0        0
CHEVRONTEXACO CORP          COM                 166764100      435     8296 SH       SOLE                     8296        0        0
CHEVRONTEXACO CORP          COM                 166764100      792    15100 SH       OTHER                   13300        0     1800
CHICO'S FAS INC                                 168615102        4      100 SH       SOLE                      100        0        0
CHICO'S FAS INC                                 168615102       22      500 SH       OTHER                     500        0        0
CHOICEPOINT INC             COM                 170388102       55     1200 SH       OTHER                    1200        0        0
CHUBB CORP                  COM                 171232101      658     8566 SH       SOLE                     8566        0        0
CHUBB CORP                  COM                 171232101      211     2750 SH       OTHER                    2550      200        0
CHRUCH & DWIGHT INC                             171340102       25      750 SH       OTHER                     750        0        0
CINERGY CORP                COM                 172474108        5      129 SH       SOLE                      129        0        0
CISCO SYS INC               COM                 17275R102      799    41378 SH       SOLE                    41378        0        0
CISCO SYS INC               COM                 17275R102      941    48765 SH       OTHER                   47265        0     1500
CINTAS CORP                 COM                 172908105      767    17500 SH       OTHER                   17500        0        0
CITIGROUP INC               COM                 172967101     1347    27971 SH       SOLE                    27671        0      300
CITIGROUP INC               COM                 172967101      902    18725 SH       OTHER                   18725        0        0
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102      125     3735 SH       SOLE                     3735        0        0
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102       85     2550 SH       OTHER                    1550     1000        0
COACH INC                   COM                 189754104      639    11330 SH       OTHER                   11330        0        0
COCA COLA CO                COM                 191216100       45     1100 SH       SOLE                     1100        0        0
COCA COLA CO                COM                 191216100      578    13900 SH       OTHER                   11700        0     2200
COLGATE PALMOLIVE CO        COM                 194162103       61     1200 SH       SOLE                     1200        0        0
COLGATE PALMOLIVE CO        COM                 194162103      117     2300 SH       OTHER                    1700        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       33      850 SH       SOLE                      850        0        0
COMCAST CORP NEW CL A                           20030N101      372    11203 SH       SOLE                    11203        0        0
COMCAST CORP NEW CL A                           20030N101      327     9846 SH       OTHER                    6855      200     2791
COMCAST CORP NEW CL A SPL                       20030N200      336    10250 SH       SOLE                    10250        0        0
COMCAST CORP NEW CL A SPL                       20030N200      267     8150 SH       OTHER                    5050      800     2300
COMMERCE BANCORP INC                            200519106      251     3900 SH       SOLE                     3900        0        0
COMMERCE BANCORP INC                            200519106       16      250 SH       OTHER                     250        0        0
COMPUTER SCIENCES CORP      COM                 205363104      417     7400 SH       SOLE                     7250        0      150
COMPUTER SCIENCES CORP      COM                 205363104      262     4650 SH       OTHER                    2150        0     2500
CONOCOPHILLIPS                                  20825C104      504     5807 SH       SOLE                     5807        0        0
CONOCOPHILLIPS                                  20825C104      728     8385 SH       OTHER                    6885     1200      300
CONSOLIDATED EDISON INC     COM                 209115104        4      100 SH       SOLE                      100        0        0
CONSOLIDATED EDISON INC     COM                 209115104       33      764 SH       OTHER                     764        0        0
CONSTELLATION BRANDS INC    CLASS A             21036P108      404     8700 SH       SOLE                     8700        0        0
CONSTELLATION BRANDS INC    CLASS A             21036P108      406     8750 SH       OTHER                    4250     1400     3100
CORNING INC                 COM                 219350105       17     1500 SH       OTHER                    1500        0        0
CUMMINS ENGINE INC          COM                 231021106       21      256 SH       OTHER                     256        0        0
DNP SELECT INCOME FD INC    COM                 23325P104       17     1500 SH       SOLE                     1500        0        0
DANAHER CORP                                    235851102       78     1360 SH       SOLE                     1360        0        0
DEL MONTE FOODS CO          COM                 24522P103        1      178 SH       SOLE                      178        0        0
DEL MONTE FOODS CO          COM                 24522P103        3      300 SH       OTHER                     300        0        0
DELL INC                    COM                 24702R101      877    20820 SH       SOLE                    20820        0        0
DELL INC                    COM                 24702R101      539    12815 SH       OTHER                    5315     1700     5800
DELPHI CORPORATION                              247126105       35     3908 SH       SOLE                     3908        0        0
DELPHI CORPORATION                              247126105       54     6059 SH       OTHER                    6059        0        0
DEVON ENERGY CORP NEW       COM                 25179M103      479    12330 SH       SOLE                    12130        0      200
DEVON ENERGY CORP NEW       COM                 25179M103      472    12150 SH       OTHER                    6950      600     4600
DIAMONDS TR                 UNIT SER 1          252787106      352     3282 SH       SOLE                     3282        0        0
DIAMONDS TR                 UNIT SER 1          252787106       91      850 SH       OTHER                     350      500        0
DISNEY WALT CO              COM DISNEY          254687106      134     4825 SH       SOLE                     4825        0        0
DISNEY WALT CO              COM DISNEY          254687106      162     5847 SH       OTHER                    5847        0        0
DOMINION RES INC VA NEW     COM                 25746U109      523     7722 SH       SOLE                     7722        0        0
DOMINION RES INC VA NEW     COM                 25746U109      671     9915 SH       OTHER                    9915        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

DORAL FINANCIAL CORPORATION                     25811P100       49     1000 SH       OTHER                    1000        0        0
DOW CHEM CO                 COM                 260543103     1231    24881 SH       SOLE                    24681        0      200
DOW CHEM CO                 COM                 260543103     1403    28351 SH       OTHER                   24851     1000     2500
DU PONT E I DE NEMOURS & CO COM                 263534109      372     7604 SH       SOLE                     7604        0        0
DU PONT E I DE NEMOURS & CO COM                 263534109      132     2696 SH       OTHER                    2696        0        0
DUKE ENERGY CORP            COM                 264399106      111     4416 SH       OTHER                    4208        0      208
DUKE REALTY CORP                                264411505        6      200 SH       SOLE                      200        0        0
DUKE REALTY CORP                                264411505       53     1565 SH       OTHER                    1565        0        0
DUQUESNE LT HLDGS INC COM                       266233105        5      277 SH       OTHER                     277        0        0
E M C CORP MASS             COM                 268648102      366    24653 SH       SOLE                    24653        0        0
E M C CORP MASS             COM                 268648102      606    40800 SH       OTHER                   27800     4000     9000
EOG RES INC                 COM                 26875P101      278     3900 SH       OTHER                    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       37      650 SH       OTHER                     650        0        0
EASTMAN KODAK CO            COM                 277461109       12      375 SH       OTHER                     375        0        0
EATON CORP                                      278058102      159     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       21     1330          SOLE                     1330        0        0
EBAY INC                    COM                 278642103      372     3200 SH       SOLE                     3200        0        0
EBAY INC                    COM                 278642103       34      300 SH       OTHER                     300        0        0
EDISON INTL                 COM                 281020107       32     1000 SH       SOLE                     1000        0        0
EDISON INTL                 COM                 281020107       19      624 SH       OTHER                       0        0      624
EDWARDS LIFESCIENCES CORP   COM                 28176E108        7      180 SH       SOLE                      180        0        0
EDWARDS LIFESCIENCES CORP   COM                 28176E108        7      190 SH       OTHER                     190        0        0
EDWARDS AG INC              COM                 281760108       12      300 SH       SOLE                      300        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104       12      550 SH       SOLE                      550        0        0
EMERSON ELEC CO             COM                 291011104      261     3734 SH       SOLE                     3734        0        0
EMERSON ELEC CO             COM                 291011104      266     3800 SH       OTHER                    3800        0        0
EQUIFAX INC                 COM                 294429105       40     1430 SH       OTHER                    1430        0        0
EQUITY OFFICE PROPERTIES    TRUST               294741103       14      500 SH       SOLE                      500        0        0
EXXON MOBIL CORP            COM                 30231G102     3224    62917 SH       SOLE                    62917        0        0
EXXON MOBIL CORP            COM                 30231G102     2541    49594 SH       OTHER                   40338      456     8800

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

FPL GROUP INC               COM                 302571104      127     1700 SH       SOLE                     1700        0        0
FPL GROUP INC               COM                 302571104      120     1618 SH       OTHER                    1618        0        0
FAIRFAX FINANCIAL HOLDINGS  LTD                 303901102       33      200 SH       OTHER                     200        0        0
FAMILY DOLLAR STORES INC                        307000109       18      600 SH       OTHER                     600        0        0
FEDERAL HOME LN MTG CORP    COM                 313400301       40      550 SH       SOLE                      550        0        0
FEDERAL NATL MTG ASSN       COM                 313586109       32      460 SH       SOLE                      460        0        0
FEDERAL NATL MTG ASSN       COM                 313586109        9      131 SH       OTHER                     131        0        0
FEDEX CORP                  COM                 31428X106      201     2050 SH       SOLE                     2050        0        0
FEDEX CORP                  COM                 31428X106      226     2300 SH       OTHER                    1000        0     1300
FIFTH THIRD BANCORP         COM                 316773100       18      400 SH       OTHER                     400        0        0
FIRST DATA CORP             COM                 319963104      751    17667 SH       SOLE                    17467        0      200
FIRST DATA CORP             COM                 319963104      985    23172 SH       OTHER                   17660      912     4600
CEF FIRST TR VALUE FUND                         33735D104       34     2034 SH       OTHER                    2034        0        0
FIRST W VA BANCORP INC      COM                 337493100        2      100 SH       SOLE                      100        0        0
FIRST W VA BANCORP INC      COM                 337493100       24     1000 SH       OTHER                    1000        0        0
FIRST ENERGY CORP COM                           337932107       19      500 SH       OTHER                     500        0        0
FLUOR CORP                  COM                 343412102       19      360 SH       SOLE                      360        0        0
FLUOR CORP                  COM                 343412102       16      300 SH       OTHER                     300        0        0
FORD MTR CO DEL             COM PAR $0.01       345370860       17     1166 SH       SOLE                     1166        0        0
FORTUNE BRANDS INC          COM                 349631101      121     1580 SH       OTHER                    1580        0        0
FREESCALE SEMICONDUCTOR INC CL B                35687M206       14      805 SH       SOLE                      805        0        0
FREESCALE SEMICONDUCTOR INC CL B                35687M206        1       66 SH       OTHER                      66        0        0
GALLAHER GROUP PLC          SPONSORED ADR       363595109       41      680 SH       OTHER                     680        0        0
GANNETT INC                 COM                 364730101      595     7283 SH       SOLE                     7283        0        0
GANNETT INC                 COM                 364730101     1316    16115 SH       OTHER                   13915        0     2200
GENERAL DYNAMICS CORP       COM                 369550108        7       67 SH       SOLE                       67        0        0
GENERAL ELEC CO             COM                 369604103     2743    75171 SH       SOLE                    74871        0      300
GENERAL ELEC CO             COM                 369604103     4658   127635 SH       OTHER                  120245     2690     4700
GENERAL GROWTH PPTYS INC    COM                 370021107      180     5000 SH       SOLE                     5000        0        0
GENERAL MLS INC             COM                 370334104      352     7100 SH       SOLE                     7100        0        0
GENERAL MLS INC             COM                 370334104      342     6900 SH       OTHER                    4900        0     2000
GENERAL MTRS CORP           COM                 370442105      317     7935 SH       SOLE                     7935        0        0
GENERAL MTRS CORP           COM                 370442105      200     5010 SH       OTHER                    3800     1100      110

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

GENUINE PARTS CO            COM                 372460105       44     1000 SH       OTHER                    1000        0        0
GILEAD SCIENCES INC                             375558103       55     1592 SH       OTHER                    1592        0        0
GILLETTE CO                 COM                 375766102      167     3742 SH       SOLE                     3742        0        0
GILLETTE CO                 COM                 375766102       67     1500 SH       OTHER                    1500        0        0
GLAXOSMITHKLINE PLC         SPONSORED ADR       37733W105       61     1300 SH       SOLE                     1300        0        0
GLAXOSMITHKLINE PLC         SPONSORED ADR       37733W105      137     2895 SH       OTHER                    2845        0       50
GOLDMAN SACHS GROUP INC     COM                 38141G104      228     2200 SH       SOLE                     2200        0        0
GOLDMAN SACHS GROUP INC     COM                 38141G104      598     5750 SH       OTHER                    5750        0        0
GRAINGER W W INC            COM                 384802104      133     2000 SH       OTHER                       0        0     2000
GUIDANT CORP                COM                 401698105      144     2000 SH       OTHER                    2000        0        0
HCA INC                     COM                 404119109       17      435 SH       SOLE                      435        0        0
HCA INC                     COM                 404119109       17      435 SH       OTHER                     435        0        0
HARLEY DAVIDSON INC                             412822108      164     2700 SH       OTHER                    2700        0        0
HARTFORD FINL SVCS GROUP INCCOM                 416515104      152     2200 SH       SOLE                     2200        0        0
HAWAIIAN ELECTRIC           INDUSTRIES INC      419870100        5      200 SH       OTHER                     200        0        0
HEINZ H J CO                COM                 423074103      136     3500 SH       SOLE                     3500        0        0
HEINZ H J CO                COM                 423074103      365     9375 SH       OTHER                    9375        0        0
HERSHEY FOODS CORP          COM                 427866108       66     1200 SH       SOLE                     1200        0        0
HEWLETT PACKARD CO          COM                 428236103       20     1000 SH       SOLE                     1000        0        0
HEWLETT PACKARD CO          COM                 428236103       12      616 SH       OTHER                     616        0        0
HILLENBRAND INDS INC        COM                 431573104      111     2000 SH       OTHER                    2000        0        0
HILTON HOTELS CORP                              432848109       11      500 SH       OTHER                     500        0        0
HOME DEPOT INC              COM                 437076102      735    17220 SH       SOLE                    17070        0      150
HOME DEPOT INC              COM                 437076102      855    20017 SH       OTHER                   16567      400     3050
HONEYWELL INTL INC          COM                 438516106      127     3600 SH       SOLE                     3600        0        0
HONEYWELL INTL INC          COM                 438516106       14      400 SH       OTHER                     400        0        0
HOSPITALITY PROPERTIES TR                       44106M102       46     1000 SH       SOLE                     1000        0        0
HOSPIRA, INC.                                   441060100        8      260 SH       SOLE                      260        0        0
HOSPIRA, INC.                                   441060100        7      230 SH       OTHER                     230        0        0
HUMANA INC                  COM                 444859102      338    11410 SH       OTHER                   11410        0        0
HUNTINGTON BANCSHARES INC   COM                 446150104       37     1521 SH       OTHER                    1521        0        0
IAC / INTERACTIVECORP COM                       44919P102      142     5150 SH       SOLE                     5150        0        0
IAC / INTERACTIVECORP COM                       44919P102       75     2750 SH       OTHER                     650        0     2100

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

ING CLARION GLOBAL REAL     ESTATE INCOME FUND  44982G104      244    16107 SH       OTHER                   16107        0        0
ILLINOIS TOOL WKS INC       COM                 452308109       17      187 SH       SOLE                      187        0        0
IMATION CORP                                    45245A107       12      380 SH       SOLE                      380        0        0
IMAGISTICS INTERNATIONAL INC COM                45247T104        8      240 SH       OTHER                     240        0        0
INTEL CORP                  COM                 458140100      963    41205 SH       SOLE                    41205        0        0
INTEL CORP                  COM                 458140100     1291    55240 SH       OTHER                   45840     2000     7400
INTERNATIONAL BUSINESS MACH  COM                459200101     1054    10700 SH       SOLE                    10700        0        0
INTERNATIONAL BUSINESS MACH  COM                459200101      997    10119 SH       OTHER                    9247        0      872
INTL PAPER CO               COM                 460146103       79     1900 SH       SOLE                     1900        0        0
INTL PAPER CO               COM                 460146103       25      600 SH       OTHER                     200        0      400
I SHARES JAPAN INDEX                            464286848       58     5400 SH       OTHER                    5400        0        0
ISHARES TR                  S^P 500 INDEX       464287200      973     8044 SH       SOLE                     8044        0        0
ISHARES TR                  S^P 500 INDEX       464287200       96      800 SH       OTHER                     300      500        0
S^P 500/BARRA GROWTH INDEX  FD                  464287309      410     7100 SH       SOLE                     7100        0        0
S^P 500/BARRA VALUE INDEX FD                    464287408      257     4095 SH       SOLE                     4095        0        0
S^P 500/BARRA VALUE INDEX FD                    464287408       47      750 SH       OTHER                     750        0        0
ISHARES TRUST                                   464287440      297     3500 SH       SOLE                     3500        0        0
ISHARES TRUST MSCI EAFE FD  MSCI EAFE INDEX FUND464287465       40      250 SH       SOLE                      250        0        0
S^P MID CAP 400 INDEX FUND  I SHARES            464287507      306     2320 SH       SOLE                     2320        0        0
S^P MIDCAP 400/BARRA GROWTH INDEX FUND I SHS    464287606      117      875 SH       SOLE                      875        0        0
S^P MIDCAP 400/BARRA VALUE  INDEX FD            464287705      120      940 SH       SOLE                      940        0        0
S^P MIDCAP 400/BARRA VALUE  INDEX FD            464287705       25      200 SH       OTHER                     200        0        0
CEF I SHARES TRUST FUNDS                        464287739        6       50 SH       SOLE                       50        0        0
S& P SMALL CAP 600 INDEX    FUND I SHARES       464287804      239     1474 SH       SOLE                     1474        0        0
S& P SMALL CAP 600 INDEX    FUND I SHARES       464287804       51      315 SH       OTHER                     315        0        0
I SHARES TR S^P SMALL CAP   600/BARRA VALUE     464287879      105      867 SH       SOLE                      867        0        0
I SHARES TR S^P SMALL CAP   600/BARRA GROWTH    464287887       81      762 SH       SOLE                      762        0        0
JPMORGAN CHASE & CO         COM                 46625H100     1021    26204 SH       SOLE                    26004        0      200
JPMORGAN CHASE & CO         COM                 46625H100     3514    90120 SH       OTHER                   87870     2250        0
JABIL CIRCUIT INC                               466313103      127     5000 SH       SOLE                     5000        0        0
JABIL CIRCUIT INC                               466313103       10      400 SH       OTHER                     400        0        0
JOHNSON & JOHNSON           COM                 478160104     1272    20071 SH       SOLE                    19871        0      200
JOHNSON & JOHNSON           COM                 478160104     2837    44746 SH       OTHER                   43046      500     1200

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

JOHNSON CTLS INC            COM                 478366107      180     2850 SH       SOLE                     2850        0        0
JUNIPER NETWORKS INC        COM                 48203R104      125     4600 SH       SOLE                     4600        0        0
KLA - TENCOR CORPORATION                        482480100       23      500 SH       OTHER                     500        0        0
KB HOME                     COM                 48666K109       41      400 SH       SOLE                      400        0        0
KB HOME                     COM                 48666K109       26      250 SH       OTHER                     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       OTHER                     500        0        0
KIMBERLY CLARK CORP         COM                 494368103      248     3776 SH       SOLE                     3776        0        0
KIMBERLY CLARK CORP         COM                 494368103      161     2460 SH       OTHER                    1260        0     1200
KINDER MORGAN INC KANS      COM                 49455P101      102     1400 SH       SOLE                     1400        0        0
KOHLS CORP                  COM                 500255104       19      400 SH       SOLE                      400        0        0
KOHLS CORP                  COM                 500255104        7      150 SH       OTHER                     150        0        0
KRAFT FOODS INC                                 50075N104       35     1000 SH       SOLE                     1000        0        0
KRAFT FOODS INC                                 50075N104       28      800 SH       OTHER                     800        0        0
L-3 COMMUNICATIONS HLDGS INCCOM                 502424104       71      980 SH       SOLE                      980        0        0
L-3 COMMUNICATIONS HLDGS INCCOM                 502424104      267     3650 SH       OTHER                    3650        0        0
LABORATORY CORP AMER HLDGS  COM NEW             50540R409       65     1305 SH       OTHER                    1305        0        0
ESTEE LAUDER CO INC CL A                        518439104       61     1340 SH       SOLE                     1340        0        0
LIBERTY MEDIA CORP NEW      COM SER A           530718105       10     1000 SH       OTHER                    1000        0        0
LIBERTY MEDIA INTL CL A                         530719103        2       50 SH       OTHER                      50        0        0
LIBERTY PPTY TR             SH BEN INT          531172104       38      900 SH       SOLE                      900        0        0
LILLY ELI & CO              COM                 532457108       45      800 SH       SOLE                      800        0        0
LILLY ELI & CO              COM                 532457108       39      700 SH       OTHER                     700        0        0
LINCOLN NATIONAL CORP                           534187109       46     1000 SH       OTHER                    1000        0        0
LOCKHEED MARTIN CORP        COM                 539830109       61     1100 SH       SOLE                     1100        0        0
LOCKHEED MARTIN CORP        COM                 539830109      172     3100 SH       OTHER                    3100        0        0
LOWES COS INC               COM                 548661107       86     1500 SH       SOLE                     1500        0        0
LOWES COS INC               COM                 548661107       46      800 SH       OTHER                     800        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107       11     3060 SH       SOLE                     3060        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107       13     3733 SH       OTHER                    3733        0        0
MBIA INC                    COM                 55262C100      189     3000 SH       OTHER                    3000        0        0
MBNA CORP                   COM                 55262L100     1038    36847 SH       SOLE                    36547        0      300
MBNA CORP                   COM                 55262L100      758    26900 SH       OTHER                   13850     2650    10400

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

MANDALAY RESORT GROUP                           562567107      140     2000 SH       SOLE                     2000        0        0
MARSH & MCLENNAN COS INC    COM                 571748102       23      700 SH       SOLE                      700        0        0
MARSH & MCLENNAN COS INC    COM                 571748102       42     1300 SH       OTHER                     300     1000        0
MASCO CORP                  COM                 574599106      502    13750 SH       SOLE                    13750        0        0
MASCO CORP                  COM                 574599106      385    10550 SH       OTHER                    7150        0     3400
MAY DEPT STORES CO          COM                 577778103       24      850 SH       SOLE                      850        0        0
MAY DEPT STORES CO          COM                 577778103       30     1050 SH       OTHER                    1050        0        0
MAYTAG CORP                 COM                 578592107        8      400 SH       OTHER                     400        0        0
MCDATA CORP                 CL A                580031201        0        7 SH       SOLE                        7        0        0
MCDONALDS CORP              COM                 580135101       54     1700 SH       SOLE                     1700        0        0
MCDONALDS CORP              COM                 580135101       35     1100 SH       OTHER                    1100        0        0
MCGRAW HILL COS INC         COM                 580645109      128     1400 SH       SOLE                     1400        0        0
MCGRAW HILL COS INC         COM                 580645109      210     2300 SH       OTHER                    2300        0        0
MEADWESTVACO CORP                               583334107       16      500 SH       OTHER                     500        0        0
MEDCO HEALTH SOLUTIO                            58405U102       23      570 SH       SOLE                      570        0        0
MEDCO HEALTH SOLUTIO                            58405U102       21      529 SH       OTHER                     234        0      295
MEDTRONIC INC               COM                 585055106      650    13096 SH       SOLE                    12996        0      100
MEDTRONIC INC               COM                 585055106      312     6300 SH       OTHER                    5600        0      700
MELLON FINL CORP            COM                 58551A108      259     8357 SH       SOLE                     8357        0        0
MELLON FINL CORP            COM                 58551A108      224     7228 SH       OTHER                    1228        0     6000
MERCK & CO INC              COM                 589331107      279     8700 SH       SOLE                     8700        0        0
MERCK & CO INC              COM                 589331107      174     5443 SH       OTHER                    2993        0     2450
MERRILL LYNCH & CO INC      COM                 590188108      424     7100 SH       SOLE                     6950        0      150
MERRILL LYNCH & CO INC      COM                 590188108      155     2600 SH       OTHER                    2400      200        0
METLIFE INC                 COM                 59156R108       40     1000 SH       SOLE                     1000        0        0
METLIFE INC                 COM                 59156R108       60     1500 SH       OTHER                       0     1500        0
MICROSOFT CORP              COM                 594918104     1144    42858 SH       SOLE                    42658        0      200
MICROSOFT CORP              COM                 594918104     1950    73030 SH       OTHER                   61730     1700     9600
MID CAP S P D R TRUST UNIT  SER 1               595635103       94      784 SH       SOLE                      784        0        0
MID CAP S P D R TRUST UNIT  SER 1               595635103       42      350 SH       OTHER                     350        0        0
MONSANTO CO (NEW)                               61166W101        2       42 SH       SOLE                       42        0        0
MONSANTO CO (NEW)                               61166W101        2       42 SH       OTHER                      42        0        0
MORGAN STANLEY              COM NEW             617446448      332     5990 SH       SOLE                     5990        0        0
MORGAN STANLEY              COM NEW             617446448       83     1500 SH       OTHER                     400     1100        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

MOTOROLA INC                COM                 620076109      125     7300 SH       SOLE                     7300        0        0
MOTOROLA INC                COM                 620076109       10      600 SH       OTHER                     600        0        0
MYLAN LABS INC              COM                 628530107      171     9700 SH       SOLE                     9700        0        0
MYLAN LABS INC              COM                 628530107       41     2350 SH       OTHER                    1850      500        0
NCR CORP NEW                COM                 62886E108        0        1 SH       OTHER                       1        0        0
NASDAQ 100 TR               UNIT SER 1          631100104       19      500 SH       SOLE                      500        0        0
NASDAQ 100 TR               UNIT SER 1          631100104      566    14200 SH       OTHER                   14200        0        0
NATIONAL CITY CORP          COM                 635405103      108     2900 SH       SOLE                     2900        0        0
NATIONAL CITY CORP          COM                 635405103       52     1400 SH       OTHER                    1400        0        0
NATIONAL FUEL GAS CO N J    COM                 636180101      532    18800 SH       SOLE                    18800        0        0
NATIONAL FUEL GAS CO N J    COM                 636180101      456    16120 SH       OTHER                   11620     2000     2500
NATIONAL SEMICONDUCTOR CORP COM                 637640103       21     1200 SH       SOLE                     1200        0        0
NATIONWIDE FINL SVC                             638612101       17      470 SH       OTHER                     470        0        0
NEENAH PAPER INC            COM                 640079109        3      110 SH       SOLE                      110        0        0
NEENAH PAPER INC            COM                 640079109        2       72 SH       OTHER                      36        0       36
NETWORK APPLIANCE INC       COM                 64120L104       66     2000 SH       OTHER                    2000        0        0
NEWELL RUBBERMAID INC       COM                 651229106       14      600 SH       SOLE                      600        0        0
NEWELL RUBBERMAID INC       COM                 651229106      173     7184 SH       OTHER                    7184        0        0
NEXTEL COMMUNICATIONS INC   CL A                65332V103       76     2550 SH       SOLE                     2550        0        0
NEXTEL COMMUNICATIONS INC   CL A                65332V103       30     1000 SH       OTHER                    1000        0        0
NIKE INC                    CL B                654106103       72      800 SH       OTHER                     800        0        0
NOKIA CORP                  SPONSORED ADR       654902204      184    11800 SH       SOLE                    11800        0        0
NOKIA CORP                  SPONSORED ADR       654902204      549    35050 SH       OTHER                   35050        0        0
NORFOLK SOUTHERN CORP       COM                 655844108       16      450 SH       OTHER                       0        0      450
NORTEL NETWORKS CORP NEW    COM                 656568102        6     2000 SH       OTHER                    2000        0        0
NORTHROP GRUMMAN CORP       COM                 666807102       54     1000 SH       OTHER                    1000        0        0
NOVELLUS SYS INC            COM                 670008101       44     1600 SH       SOLE                     1600        0        0
NUVEEN EQUITY PREM INCOME FD                    6706ER101       75     3750 SH       OTHER                    3750        0        0
NUVEEN INVESTMENT QUALITY   MUNICIPAL FUND, INC.67062E103       96     6552          OTHER                    6552        0        0
NUVEEN MUN INCOME FUND INC                      67062J102       13     1361          OTHER                    1361        0        0
NUVEEN MUN MKT OPPORTUNITY  FUND INC            67062W103        8      637          OTHER                     637        0        0
NUVEEN N Y INVT QUALITY     MUN FD INC          67062X101      118     7657          OTHER                    7657        0        0
NUVEEN REAL ESTATE INCOME FD                    67071B108      166     8000 SH       OTHER                    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 INSD DIVID ADVANTAGE COM                 67071L106        9      700 SH       SOLE                      700        0        0
CEF NUVEEN QUALITY PFD      INCOME FUND         67071S101       66     4750 SH       OTHER                    4750        0        0
OGE ENERGY CORP             COM                 670837103       21      800 SH       SOLE                      800        0        0
NUVEEN MUNICIPAL VALUE FD                       670928100        5      632          OTHER                     632        0        0
NUVEEN OHIO QUALITY INCOME  MUN FD              670980101       40     2166          SOLE                     2166        0        0
NUVEEN INSURED MUNICPAL     OPPORTUNITY FUND    670984103        5      333          OTHER                     333        0        0
OCCIDENTAL PETROLEUM CORP                       674599105      145     2500 SH       OTHER                    2500        0        0
OMNICOM GROUP INC           COM                 681919106      846    10040 SH       SOLE                    10040        0        0
OMNICOM GROUP INC           COM                 681919106      653     7750 SH       OTHER                    4050      200     3500
ORACLE CORP                 COM                 68389X105       61     4500 SH       SOLE                     4500        0        0
ORACLE CORP                 COM                 68389X105      271    19800 SH       OTHER                    1900        0    17900
PNC FINL SVCS GROUP INC     COM                 693475105      166     2900 SH       SOLE                     2900        0        0
PNC FINL SVCS GROUP INC     COM                 693475105       80     1400 SH       OTHER                     400        0     1000
PPG INDS INC                COM                 693506107      456     6700 SH       SOLE                     6700        0        0
PPG INDS INC                COM                 693506107      511     7500 SH       OTHER                    6400      800      300
PPL CORP                                        69351T106       39      750 SH       OTHER                     750        0        0
PACTIV CORP                                     695257105      101     4000 SH       SOLE                     4000        0        0
PAN PACIFIC RETAIL PPTYS INCCOM                 69806L104       81     1302 SH       OTHER                    1302        0        0
PENTAIR INC                                     709631105      105     2420 SH       SOLE                     2420        0        0
PEPCO HOLDINGS INC                              713291102       21     1000 SH       OTHER                    1000        0        0
PEPSICO INC                 COM                 713448108      691    13244 SH       SOLE                    13044        0      200
PEPSICO INC                 COM                 713448108     1019    19530 SH       OTHER                   18830        0      700
PETCO ANIMAL SUPPLIES                           716016209      136     3450 SH       SOLE                     3300        0      150
PETCO ANIMAL SUPPLIES                           716016209        3      100 SH       OTHER                       0      100        0
PETSMART INC                                    716768106       10      300 SH       SOLE                      300        0        0
PFIZER INC                  COM                 717081103      822    30609 SH       SOLE                    30309        0      300
PFIZER INC                  COM                 717081103      307    11437 SH       OTHER                   10437     1000        0
PIER 1 IMPORTS INC                              720279108       98     5000 SH       OTHER                       0        0     5000
PINNACLE WEST CAPITAL CORP                      723484101      120     2710 SH       SOLE                     2710        0        0
PITNEY BOWES INC            COM                 724479100       66     1430 SH       SOLE                     1430        0        0
PITNEY BOWES INC            COM                 724479100      166     3600 SH       OTHER                    3600        0        0
PLUM CREEK TIMBER CO.       INC.                729251108       96     2500 SH       OTHER                    2500        0        0
PRAXAIR INC                                     74005P104       25      576 SH       OTHER                     576        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

PROCTER & GAMBLE CO         COM                 742718109     1476    26805 SH       SOLE                    26655        0      150
PROCTER & GAMBLE CO         COM                 742718109      994    18050 SH       OTHER                   10450     1100     6500
PROGRESS ENERGY INC         COM                 743263105      424     9391 SH       SOLE                     9241        0      150
PROGRESS ENERGY INC         COM                 743263105      317     7020 SH       OTHER                    6329      191      500
PUBLIC SVC ENTERPRISE GROUP COM                 744573106        5      110 SH       SOLE                      110        0        0
PUBLIC SVC ENTERPRISE GROUP COM                 744573106       28      550 SH       OTHER                     550        0        0
QUALCOMM INC                COM                 747525103      169     4000 SH       SOLE                     4000        0        0
QUEST DIAGNOSTICS INC                           74834L100      312     3275 SH       SOLE                     3275        0        0
QUEST DIAGNOSTICS INC                           74834L100      148     1550 SH       OTHER                    1150      400        0
QWEST COMMUNICATIONS INTL INCOM                 749121109        1      415 SH       OTHER                     415        0        0
REGIONS FINANCIAL           CORP. NEW           7591EP100       10      300 SH       SOLE                      300        0        0
REGIONS FINANCIAL           CORP. NEW           7591EP100       18      525 SH       OTHER                     525        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       88     1785 SH       OTHER                    1785        0        0
ROCKWELL COLLINS INC        COM                 774341101       70     1785 SH       OTHER                    1785        0        0
ROPER INDS INC NEW          COM                 776696106       45      746 SH       OTHER                     746        0        0
ROYAL DUTCH PETE CO         NY REG GLD1.25      780257804       57     1000 SH       OTHER                    1000        0        0
SBC COMMUNICATIONS INC      COM                 78387G103      643    24964 SH       SOLE                    24964        0        0
SBC COMMUNICATIONS INC      COM                 78387G103      387    15021 SH       OTHER                   11995     1526     1500
THE ST. PAUL TRAVELERS      COMPANIES INC  COM  792860108        6      163 SH       SOLE                      163        0        0
THE ST. PAUL TRAVELERS      COMPANIES INC  COM  792860108        3       98 SH       OTHER                      98        0        0
SARA LEE CORP               COM                 803111103       67     2800 SH       SOLE                     2800        0        0
SARA LEE CORP               COM                 803111103      697    28925 SH       OTHER                   28925        0        0
SCHLUMBERGER LTD            COM                 806857108      177     2650 SH       SOLE                     2650        0        0
SCHLUMBERGER LTD            COM                 806857108      184     2750 SH       OTHER                    2750        0        0
SCUDDER MUNI INCOME TR                          81118R604       11     1000          SOLE                     1000        0        0
SEARS ROEBUCK & CO          COM                 812387108       30      600 SH       OTHER                     600        0        0
SECTOR SPDR TRUST                               81369Y803      358    17000 SH       OTHER                   17000        0        0
SHERWIN WILLIAMS CO         COM                 824348106       13      300 SH       OTHER                     300        0        0
SIGMA-ALDRICH CORP                              826552101       82     1360 SH       SOLE                     1360        0        0
JM SMUCKER CO                                   832696405        1       28 SH       SOLE                       28        0        0
JM SMUCKER CO                                   832696405       20      446 SH       OTHER                     446        0        0
SOLECTRON CORP              COM                 834182107       10     2000 SH       OTHER                    2000        0        0
SOUTHERN CO                                     842587107       69     2080 SH       OTHER                    2080        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

STAPLES INC                 COM                 855030102        5      150 SH       SOLE                      150        0        0
STAPLES INC                 COM                 855030102       13      400 SH       OTHER                     400        0        0
STARBUCKS CORP              COM                 855244109      109     1750 SH       SOLE                     1750        0        0
STARBUCKS CORP              COM                 855244109       24      400 SH       OTHER                     400        0        0
STATE AUTO FINL CORP        COM                 855707105      284    11000 SH       OTHER                   11000        0        0
STATE STR CORP              COM                 857477103       58     1200 SH       SOLE                     1200        0        0
STATE STR CORP              COM                 857477103      103     2100 SH       OTHER                    2100        0        0
STEREOTAXIS INC.                                85916J102        5      510 SH       OTHER                     510        0        0
STRYKER CORP                                    863667101        6      140 SH       SOLE                      140        0        0
SUN MICROSYSTEMS INC        COM                 866810104        3      700 SH       OTHER                     700        0        0
SYMANTEC CORP               COM                 871503108      103     4000 SH       SOLE                     4000        0        0
SYMANTEC CORP               COM                 871503108       81     3175 SH       OTHER                    3175        0        0
SYSCO CORP                  COM                 871829107       19      500 SH       SOLE                      500        0        0
SYSCO CORP                  COM                 871829107      124     3250 SH       OTHER                    3250        0        0
TECO ENERGY INC             COM                 872375100        3      200 SH       SOLE                      200        0        0
TECO ENERGY INC             COM                 872375100       46     3000 SH       OTHER                       0        0     3000
TJX COS INC NEW             COM                 872540109       55     2200 SH       SOLE                     2200        0        0
TARGET CORP                 COM                 87612E106      315     6078 SH       SOLE                     5878        0      200
TARGET CORP                 COM                 87612E106      197     3800 SH       OTHER                    2100     1200      500
TECHE HOLDING CO                                878330109       22      600 SH       SOLE                      600        0        0
TELEFLEX INC.                                   879369106       15      300 SH       OTHER                     300        0        0
TEVA PHARMACEUTICAL         INDUSTRIES LTD      881624209      172     5790 SH       OTHER                    5790        0        0
TEXAS INSTRS INC            COM                 882508104      409    16650 SH       SOLE                    16450        0      200
TEXAS INSTRS INC            COM                 882508104      770    31300 SH       OTHER                   30600      700        0
TEXTRON INC                                     883203101       59      800 SH       SOLE                      800        0        0
3M CO                                           88579Y101      569     6936 SH       SOLE                     6936        0        0
3M CO                                           88579Y101      820    10000 SH       OTHER                    6600        0     3400
TIME WARNER INC NEW                             887317105       30     1548 SH       SOLE                     1548        0        0
TIME WARNER INC NEW                             887317105       59     3070 SH       OTHER                    3070        0        0
TRIBUNE CO NEW              COM                 896047107       33      800 SH       SOLE                      800        0        0
TYCO INTL LTD NEW           COM                 902124106      311     8710 SH       SOLE                     8710        0        0
TYCO INTL LTD NEW           COM                 902124106       48     1348 SH       OTHER                    1074        0      274
US BANCORP                                      902973304      194     6220 SH       SOLE                     6220        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

ULTRA PETROLEUM CORP                            903914109       19      400 SH       OTHER                     400        0        0
UNION PAC CORP              COM                 907818108      631     9390 SH       SOLE                     9390        0        0
UNION PAC CORP              COM                 907818108      501     7450 SH       OTHER                    5950        0     1500
UNITED BANKSHARES INC WEST VCOM                 909907107      574    15050 SH       SOLE                    15050        0        0
UNITED BANKSHARES INC WEST VCOM                 909907107     1054    27658 SH       OTHER                   24658        0     3000
UNITED BANCORP INC OHIO     COM                 909911109        7      508 SH       SOLE                      508        0        0
UNITED BANCORP INC OHIO     COM                 909911109       31     2117 SH       OTHER                    2117        0        0
UNITED PARCEL SERVICE INC   CL B                911312106      158     1860 SH       SOLE                     1860        0        0
UNITED PARCEL SERVICE INC   CL B                911312106      115     1350 SH       OTHER                    1350        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109      442     4282 SH       SOLE                     4282        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109     1617    15650 SH       OTHER                   14750       50      850
UNITEDHEALTH GROUP INC      COM                 91324P102      176     2010 SH       SOLE                     2010        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100       96     2120 SH       SOLE                     2120        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100      187     4124 SH       OTHER                    4124        0        0
VARIAN MED SYS INC          COM                 92220P105      146     3400 SH       OTHER                    3400        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      766    18931 SH       SOLE                    18931        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      836    20658 SH       OTHER                   18298        0     2360
VIACOM INC                  CL B                925524308       44     1235 SH       SOLE                     1235        0        0
VIACOM INC                  CL B                925524308       27      759 SH       OTHER                     542        0      217
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       88     3230 SH       SOLE                     3230        0        0
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       52     1910 SH       OTHER                    1910        0        0
VORNADO REALTY TRUST                            929042109      152     2000 SH       SOLE                     2000        0        0
WHX CORP                                        929248409        0        3 SH       SOLE                        3        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102      160     3049 SH       SOLE                     3049        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102      171     3256 SH       OTHER                    1200      200     1856
WAL MART STORES INC         COM                 931142103      889    16850 SH       SOLE                    16850        0        0
WAL MART STORES INC         COM                 931142103      547    10365 SH       OTHER                    4865        0     5500
WALGREEN CO                 COM                 931422109      421    11000 SH       SOLE                    11000        0        0
WALGREEN CO                 COM                 931422109      339     8845 SH       OTHER                    7495     1350        0
WASHINGTON MUTUAL INC COMMON                    939322103      431    10220 SH       SOLE                    10220        0        0
WASHINGTON MUTUAL INC COMMON                    939322103      623    14750 SH       OTHER                   12350     1200     1200
WASTE MGMT INC DEL          COM                 94106L109        2       72 SH       OTHER                      72        0        0
WATSON PHARMACEUTICALS INC  COM                 942683103       49     1500 SH       OTHER                       0        0     1500

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

WELLMAN INC                                     949702104       24     2300 SH       SOLE                     2300        0        0
WELLPOINT INC               COM                 94973V107       69      600 SH       OTHER                     600        0        0
WELLS FARGO & CO NEW        COM                 949746101      190     3060 SH       SOLE                     3060        0        0
WELLS FARGO & CO NEW        COM                 949746101      236     3800 SH       OTHER                    3800        0        0
WESBANCO INC                COM                 950810101     2434    76167 SH       SOLE                    76167        0        0
WESBANCO INC                COM                 950810101     1247    39024 SH       OTHER                   39024        0        0
WEYERHAEUSER CO             COM                 962166104       70     1050 SH       OTHER                       0        0     1050
WHIRLPOOL CORP              COM                 963320106       32      475 SH       OTHER                     475        0        0
WHOLE FOOD MARKET INC                           966837106      140     1470 SH       OTHER                    1470        0        0
WYETH COM                                       983024100     1330    31236 SH       SOLE                    31236        0        0
WYETH COM                                       983024100     2273    53386 SH       OTHER                   50017      389     2980
XM SATELLITE RADIO A HOLDINGINC  CLASS A        983759101        9      255 SH       OTHER                     255        0        0
XCEL ENERGY INC             COM                 98389B100      121     6700 SH       SOLE                     6700        0        0
XCEL ENERGY INC             COM                 98389B100       87     4784 SH       OTHER                    1000        0     3784
XILINX INC                  COM                 983919101      431    14550 SH       SOLE                    14400        0      150
XILINX INC                  COM                 983919101      183     6200 SH       OTHER                    5900        0      300
XEROX CORP                  COM                 984121103        5      300 SH       OTHER                     300        0        0
YUM BRANDS INC. COM                             988498101      169     3590 SH       SOLE                     3590        0        0
ZIMMER HLDGS INC            COM                 98956P102      488     6094 SH       SOLE                     5994        0      100
ZIMMER HLDGS INC            COM                 98956P102     2455    30649 SH       OTHER                   29432        0     1217

 GRAND TOTALS                                               156420  3817209                                3507124    57467   252618