Security National Trust

Security National Trust as of Sept. 30, 2005

Portfolio Holdings for Security National Trust

Security National Trust holds 0 positions in its portfolio as reported in the September 2005 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      104     2300 SH       SOLE                     2300        0        0
GLOBALSANTAFE CORPORATION                       G3930E101       22      500 SH       DEFINED                     0      500        0
INGERSOLL-RAND CL A         CL A                G4776G101      347     9100 SH       SOLE                     8900        0      200
INGERSOLL-RAND CL A         CL A                G4776G101      143     3750 SH       DEFINED                  2750      200      800
NABORS INDUSTRIES LTD NEW   SHS                 G6359F103      312     4350 SH       SOLE                     4250        0      100
NABORS INDUSTRIES LTD NEW   SHS                 G6359F103      125     1750 SH       DEFINED                  1700       50        0
TRANSOCEAN INC              REG SHS             G90078109       16      266 SH       SOLE                      266        0        0
TRANSOCEAN INC              REG SHS             G90078109       18      309 SH       DEFINED                   309        0        0
WEATHERFORD INT'L LTD       BERMUDA             G95089101      296     4315 SH       SOLE                     4315        0        0
WEATHERFORD INT'L LTD       BERMUDA             G95089101       85     1250 SH       DEFINED                  1200       50        0
XOMA LTD                    ORD                 G9825R107        0      100 SH       SOLE                      100        0        0
FLEXTRONICS INTL LTD        ORD                 Y2573F102      447    34800 SH       SOLE                    34300        0      500
FLEXTRONICS INTL LTD        ORD                 Y2573F102      303    23650 SH       DEFINED                  9450     2000    12200
ACCO BRANDS CORP            COM                 00081T108        6      242 SH       SOLE                      242        0        0
ACCO BRANDS CORP            COM                 00081T108       10      368 SH       DEFINED                   368        0        0
A D C TELECOMMUNICATIONS    COM NEW             000886309        0       42 SH       SOLE                       42        0        0
AFLAC INC                   COM                 001055102      130     2879 SH       SOLE                     2879        0        0
AFLAC INC                   COM                 001055102      104     2300 SH       DEFINED                  2300        0        0
AT^T CORP                   COM NEW             001957505       45     2320 SH       SOLE                     2320        0        0
AT^T CORP                   COM NEW             001957505       28     1421 SH       DEFINED                  1421        0        0
ABBOTT LABS                 COM                 002824100      390     9204 SH       SOLE                     9204        0        0
ABBOTT LABS                 COM                 002824100      273     6450 SH       DEFINED                  3150      400     2900
ABINGTON CMNTY BANCORP INC  COM                 00350R106       10      800 SH       SOLE                      800        0        0
ADOBE SYSTEMS INC                               00724F101       20      700 SH       DEFINED                   700        0        0
ADVENT SOFTWARE INC         COM                 007974108        7      290 SH       SOLE                      290        0        0
AFFILIATED COMPUTER         SERVICES INC        008190100      656    12025 SH       SOLE                    11875        0      150
AFFILIATED COMPUTER         SERVICES INC        008190100      304     5575 SH       DEFINED                  3075        0     2500
AGERE SYS INC               COM                 00845V308        0       39 SH       SOLE                       39        0        0
AGERE SYS INC               COM                 00845V308        0        8 SH       DEFINED                     8        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        1       38 SH       SOLE                       38        0        0
AGILENT TECHNOLOGIES INC    COM                 00846U101       13      402 SH       DEFINED                   402        0        0
AIR PRODS & CHEMS INC       COM                 009158106      594    10775 SH       SOLE                    10625        0      150
AIR PRODS & CHEMS INC       COM                 009158106      469     8525 SH       DEFINED                  5125      400     3000
ALCOA INC                   COM                 013817101      156     6424 SH       SOLE                     6424        0        0
ALCOA INC                   COM                 013817101      222     9100 SH       DEFINED                  6100        0     3000
ALLIANT ENERGY CORP                             018802108       11      400 SH       DEFINED                     0        0      400
ALLIANT TECHSYSTEMS INC                         018804104       37      500 SH       DEFINED                   500        0        0
ALLIED IRISH  BKS SPND ADR                      019228402      462    10840 SH       SOLE                    10840        0        0
ALLSTATE CORP               COM                 020002101      580    10500 SH       SOLE                    10500        0        0
ALLSTATE CORP               COM                 020002101      616    11150 SH       DEFINED                 10150     1000        0
ALLTEL CORP                 COM                 020039103      270     4150 SH       SOLE                     4150        0        0
ALLTEL CORP                 COM                 020039103       97     1500 SH       DEFINED                  1500        0        0
ALTRIA GROUP INC                                02209S103      779    10570 SH       SOLE                    10570        0        0
ALTRIA GROUP INC                                02209S103     1352    18350 SH       DEFINED                 15350        0     3000
AMAZON COM INC              COM                 023135106       10      240 SH       SOLE                      240        0        0
AMEREN CORPORATION                              023608102       24      455 SH       DEFINED                   455        0        0
AMERICAN BANK INC PA        COM                 024343105      100    11250 SH       SOLE                    11250        0        0
AMERICAN ELEC PWR INC       COM                 025537101       21      530 SH       SOLE                      530        0        0
AMERICAN ELEC PWR INC       COM                 025537101      127     3200 SH       DEFINED                  3200        0        0
AMERICAN EXPRESS CO         COM                 025816109      908    15812 SH       SOLE                    15812        0        0
AMERICAN EXPRESS CO         COM                 025816109      420     7330 SH       DEFINED                  7130      200        0
AMERICAN INTL GROUP INC     COM                 026874107      889    14361 SH       SOLE                    14361        0        0
AMERICAN INTL GROUP INC     COM                 026874107      611     9877 SH       DEFINED                  9477      100      300
AMERICAN STANDARD COMPANIES INC                 029712106       47     1025 SH       SOLE                     1025        0        0
AMERISOURCEBERGEN CORP      COM                 03073E105       55      715 SH       SOLE                      715        0        0
AMGEN INC                   COM                 031162100     1913    24016 SH       SOLE                    23916        0      100
AMGEN INC                   COM                 031162100     1993    25025 SH       DEFINED                 21025      700     3300
AMSOUTH BANCORPORATION                          032165102      319    12650 SH       SOLE                    12650        0        0
AMSOUTH BANCORPORATION                          032165102       15      600 SH       DEFINED                   600        0        0
ANADARKO PETE CORP          COM                 032511107      164     1719 SH       SOLE                     1719        0        0
ANADARKO PETE CORP          COM                 032511107      299     3126 SH       DEFINED                  3126        0        0
ANHEUSER BUSCH COS INC      COM                 035229103      552    12835 SH       SOLE                    12735        0      100
ANHEUSER BUSCH COS INC      COM                 035229103      310     7225 SH       DEFINED                  6825      400        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      504     6707 SH       SOLE                     6707        0        0
APACHE CORP                 COM                 037411105      345     4594 SH       DEFINED                  3834      300      460
APOLLO GROUP INC                                037604105      175     2650 SH       SOLE                     2650        0        0
APPLEBEES INTERNATIONAL INC                     037899101       15      750 SH       DEFINED                   750        0        0
APPLERA CORP COM APPLIED    BIOSYSTEMS GROUP    038020103       92     4000 SH       DEFINED                  4000        0        0
APPLIED MATLS INC           COM                 038222105      718    42400 SH       SOLE                    41900        0      500
APPLIED MATLS INC           COM                 038222105      271    16000 SH       DEFINED                  9400     2200     4400
ARCHER DANIELS MIDLAND CO   COM                 039483102        7      300 SH       SOLE                      300        0        0
ARCHER DANIELS MIDLAND CO   COM                 039483102       50     2067 SH       DEFINED                  2067        0        0
ARCHIPELAGO HOLDINGS                            03957A104       98     2475 SH       DEFINED                  2475        0        0
ARCHSTONE-SMITH TRUST                           039583109        7      200 SH       DEFINED                   200        0        0
AUTODESK INC                COM                 052769106       18      400 SH       SOLE                      400        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103      490    11406 SH       SOLE                    11406        0        0
AUTOMATIC DATA PROCESSING INCOM                 053015103      718    16700 SH       DEFINED                 15600     1100        0
AUTOZONE INC                                    053332102        8      100 SH       DEFINED                   100        0        0
AVALONBAY COMMUNITIES INC                       053484101        8      100 SH       DEFINED                   100        0        0
AVAYA INC                   COM                 053499109        0       27 SH       SOLE                       27        0        0
AVAYA INC                   COM                 053499109        0       14 SH       DEFINED                    14        0        0
AVERY DENNISON CORP         COM                 053611109       36      702 SH       SOLE                      702        0        0
AVON PRODS INC              COM                 054303102       13      500 SH       SOLE                      500        0        0
AVON PRODS INC              COM                 054303102       32     1200 SH       DEFINED                   200        0     1000
BB^T CORP                                       054937107       45     1158 SH       SOLE                     1158        0        0
BB^T CORP                                       054937107      108     2774 SH       DEFINED                  2774        0        0
BP AMOCO P L C              SPONSORED ADR       055622104     1039    14674 SH       SOLE                    14574        0      100
BP AMOCO P L C              SPONSORED ADR       055622104     1415    19984 SH       DEFINED                 17384      100     2500
BAKER HUGHES INC            COM                 057224107      399     6697 SH       SOLE                     6697        0        0
BAKER HUGHES INC            COM                 057224107      113     1900 SH       DEFINED                  1200      600      100
BANCORP INC DEL             COM                 05969A105       11      690 SH       SOLE                      690        0        0
BANK OF AMERICA CORPORATION COM                 060505104     1030    24486 SH       SOLE                    24486        0        0
BANK OF AMERICA CORPORATION COM                 060505104      705    16764 SH       DEFINED                 16464        0      300
BANK NEW YORK INC           COM                 064057102      132     4504 SH       SOLE                     4504        0        0
BANK NEW YORK INC           COM                 064057102       26      900 SH       DEFINED                   900        0        0
BANK WILMINGTON CORP        COM                 065820102       10     1062 SH       SOLE                     1062        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

BANKATLANTIC BANCORP        CL A                065908501       13      800 SH       SOLE                      800        0        0
BAXTER INTL INC             COM                 071813109      113     2850 SH       SOLE                     2850        0        0
BAXTER INTL INC             COM                 071813109      843    21154 SH       DEFINED                 21154        0        0
BEAR STEARNS COMPANIES INC                      073902108      131     1197 SH       SOLE                     1197        0        0
BED BATH & BEYOND INC                           075896100        8      205 SH       SOLE                      205        0        0
BELLSOUTH CORP              COM                 079860102      321    12212 SH       SOLE                    12212        0        0
BELLSOUTH CORP              COM                 079860102      386    14691 SH       DEFINED                 11291     1400     2000
BERKSHIRE HATHAWAY INC DEL  CL B                084670207       73       27 SH       SOLE                       27        0        0
BEST BUY INC                COM                 086516101      614    14112 SH       SOLE                    13887        0      225
BEST BUY INC                COM                 086516101      216     4975 SH       DEFINED                  4825      150        0
BIOMET INC                  COM                 090613100      143     4125 SH       SOLE                     4125        0        0
BIOMET INC                  COM                 090613100      360    10400 SH       DEFINED                  3600        0     6800
BIOGEN IDEC INC             COM                 09062X103       20      520 SH       SOLE                      520        0        0
BLACK & DECKER CORP                             091797100      225     2750 SH       SOLE                     2750        0        0
BLACK & DECKER CORP                             091797100       12      150 SH       DEFINED                   100       50        0
BLACKROCK MUN TARGET TERM TRCOM                 09247M105       10     1000 SH       SOLE                     1000        0        0
BLACKROCK INSD MUN INCOME TRCOM                 092479104      110     7246 SH       SOLE                     7246        0        0
BLACKROCK CORE BD TR        SHS BEN INT         09249E101       71     5000 SH       DEFINED                  5000        0        0
BOEING CO                   COM                 097023105      373     5503 SH       SOLE                     5503        0        0
BOEING CO                   COM                 097023105      101     1500 SH       DEFINED                   500        0     1000
BOSTON SCIENTIFIC CORP                          101137107       16      700 SH       SOLE                      700        0        0
BOSTON SCIENTIFIC CORP                          101137107       10      450 SH       DEFINED                   450        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108      663    27581 SH       SOLE                    27581        0        0
BRISTOL MYERS SQUIBB CO     COM                 110122108     1634    67960 SH       DEFINED                 61000        0     6960
BROWN FORMAN CORP CLASS B                       115637209       93     1576 SH       SOLE                     1576        0        0
BURLINGTON NORTHN SANTA FE CCOM                 12189T104       89     1500 SH       DEFINED                  1500        0        0
BURLINGTON RES INC          COM                 122014103      138     1700 SH       DEFINED                  1700        0        0
C.H.ROBINSON WORLDWIDE INC                      12541W100      179     2803 SH       SOLE                     2803        0        0
CIGNA CORP                  COM                 125509109       16      140 SH       SOLE                      140        0        0
CSX CORP                    COM                 126408103      144     3102 SH       SOLE                     3102        0        0
CSX CORP                    COM                 126408103        9      200 SH       DEFINED                   200        0        0
CVS CORP                    COM                 126650100      230     7950 SH       SOLE                     7950        0        0
CVS CORP                    COM                 126650100      159     5500 SH       DEFINED                  5500        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CABELA'S INC.                                   126804301        9      500 SH       DEFINED                   500        0        0
CABLEVISION SYS CORP        CL A NY CABLVS      12686C109       14      480 SH       SOLE                      480        0        0
CALPINE CORP                COM                 131347106       12     5000 SH       SOLE                     5000        0        0
CAMDEN PPTY TR              SH BEN INT          133131102      167     3000 SH       DEFINED                  3000        0        0
CANADIAN PACIFIC RAILWAY    LTD                 13645T100       10      250 SH       DEFINED                   250        0        0
CAPITAL AUTOMOTIVE REIT     COM SH BEN INT      139733109     1604    41456 SH       DEFINED                 41456        0        0
CAPITAL ONE FINL CORP       COM                 14040H105      119     1500 SH       SOLE                     1500        0        0
CAPITAL ONE FINL CORP       COM                 14040H105      674     8479 SH       DEFINED                  8479        0        0
CARDINAL HEALTH INC         COM                 14149Y108      524     8273 SH       SOLE                     8273        0        0
CARDINAL HEALTH INC         COM                 14149Y108      679    10718 SH       DEFINED                  9918      500      300
CAREMARK RX INC                                 141705103      254     5100 SH       SOLE                     5100        0        0
CAREMARK RX INC                                 141705103      419     8400 SH       DEFINED                  3800     1000     3600
CATERPILLAR INC DEL         COM                 149123101      385     6560 SH       SOLE                     6560        0        0
CATERPILLAR INC DEL         COM                 149123101       35      600 SH       DEFINED                   600        0        0
CENDANT CORP                COM                 151313103      249    12100 SH       SOLE                    11900        0      200
CENDANT CORP                COM                 151313103       76     3700 SH       DEFINED                  3400      300        0
CENTEX CORP                 COM                 152312104       12      200 SH       SOLE                      200        0        0
CENTEX CORP                 COM                 152312104        9      150 SH       DEFINED                   150        0        0
CENTRAL FUND OF CANADA      LIMITED CL A        153501101        5     1000 SH       DEFINED                  1000        0        0
CERTEGY INC                 COM                 156880106       28      715 SH       DEFINED                   715        0        0
CHESAPEAKE ENERGY CORP      COM                 165167107      126     3300 SH       DEFINED                  3300        0        0
CHEVRON CORPORATION         COM                 166764100      829    12821 SH       SOLE                    12821        0        0
CHEVRON CORPORATION         COM                 166764100     1079    16675 SH       DEFINED                 14875        0     1800
CHICO'S FAS INC                                 168615102        3      100 SH       SOLE                      100        0        0
CHICO'S FAS INC                                 168615102       36     1000 SH       DEFINED                  1000        0        0
CHOICEPOINT INC             COM                 170388102       51     1200 SH       DEFINED                  1200        0        0
CHUBB CORP                  COM                 171232101      708     7916 SH       SOLE                     7916        0        0
CHUBB CORP                  COM                 171232101      192     2150 SH       DEFINED                  1950      200        0
CHRUCH & DWIGHT INC                             171340102       22      600 SH       DEFINED                   600        0        0
CINERGY CORP                COM                 172474108      111     2500 SH       SOLE                     2500        0        0
CISCO SYS INC               COM                 17275R102     1097    61275 SH       SOLE                    61275        0        0
CISCO SYS INC               COM                 17275R102      901    50315 SH       DEFINED                 48615      200     1500
CINTAS CORP                 COM                 172908105      714    17400 SH       DEFINED                 17400        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CITIGROUP INC               COM                 172967101     1878    41268 SH       SOLE                    40968        0      300
CITIGROUP INC               COM                 172967101     1176    25843 SH       DEFINED                 24643     1200        0
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102       64     1950 SH       SOLE                     1950        0        0
CLEAR CHANNEL COMMUNICATIONSCOM                 184502102       41     1250 SH       DEFINED                  1250        0        0
COACH INC                   COM                 189754104      647    20645 SH       DEFINED                 20645        0        0
COCA COLA CO                COM                 191216100      165     3825 SH       SOLE                     3825        0        0
COCA COLA CO                COM                 191216100      591    13700 SH       DEFINED                 11700        0     2000
COHEN & STEER PREM INCOME   RLTY FD INC         19247V104      107     5000 SH       SOLE                        0        0     5000
COLGATE PALMOLIVE CO        COM                 194162103      189     3582 SH       SOLE                     3582        0        0
COLGATE PALMOLIVE CO        COM                 194162103      153     2900 SH       DEFINED                  1800      500      600
COLONIAL BANCGROUP INC      COM                 195493309       15      700 SH       SOLE                      700        0        0
COLONIAL PPTYS TR           COM SH BEN INT      195872106       37      850 SH       SOLE                      850        0        0
COMCAST CORP NEW CL A                           20030N101      223     7620 SH       SOLE                     7620        0        0
COMCAST CORP NEW CL A                           20030N101      228     7767 SH       DEFINED                  4976        0     2791
COMCAST CORP NEW CL A SPL                       20030N200      274     9530 SH       SOLE                     9530        0        0
COMCAST CORP NEW CL A SPL                       20030N200      208     7250 SH       DEFINED                  4150      800     2300
COMMERCE BANCORP INC                            200519106      220     7200 SH       SOLE                     7200        0        0
COMMERCE BANCORP INC                            200519106       19      650 SH       DEFINED                   650        0        0
COMMERCIAL CAP BANCORP INC  COM                 20162L105       11      666 SH       SOLE                      666        0        0
COMMUNITY BKS INC           MILLERSBURG COM     203628102       31     1120 SH       DEFINED                  1120        0        0
COMPASS BANCSHARES INC      COM                 20449H109       13      300 SH       SOLE                      300        0        0
COMPUTER SCIENCES CORP      COM                 205363104      402     8500 SH       SOLE                     8350        0      150
COMPUTER SCIENCES CORP      COM                 205363104      205     4350 SH       DEFINED                  1850        0     2500
CONAGRA FOODS INC           COM                 205887102       41     1675 SH       DEFINED                  1675        0        0
CONOCOPHILLIPS                                  20825C104      850    12162 SH       SOLE                    12162        0        0
CONOCOPHILLIPS                                  20825C104     1037    14838 SH       DEFINED                 13238     1000      600
CONSOLIDATED EDISON INC     COM                 209115104      208     4300 SH       SOLE                     4300        0        0
CONSOLIDATED EDISON INC     COM                 209115104       19      400 SH       DEFINED                   400        0        0
CONSTELLATION BRANDS INC    CLASS A             21036P108      594    22850 SH       SOLE                    22850        0        0
CONSTELLATION BRANDS INC    CLASS A             21036P108      413    15900 SH       DEFINED                  8200     1500     6200
CONSTELLATION ENERGY GROUP ICOM                 210371100      230     3747 SH       SOLE                     3747        0        0
CORGENTECH INC              COM                 21872P105        3     1500 SH       SOLE                     1500        0        0
CORNING INC                 COM                 219350105       28     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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

CREE INC                    COM                 225447101        7      280 SH       SOLE                      280        0        0
CUMMINS ENGINE INC          COM                 231021106      123     1401 SH       DEFINED                  1401        0        0
DNP SELECT INCOME FD INC    COM                 23325P104      115    10000 SH       SOLE                        0        0    10000
DEL MONTE FOODS CO          COM                 24522P103        1      178 SH       SOLE                      178        0        0
DEL MONTE FOODS CO          COM                 24522P103        1      133 SH       DEFINED                   133        0        0
DELL INC                    COM                 24702R101      894    26159 SH       SOLE                    26159        0        0
DELL INC                    COM                 24702R101      441    12915 SH       DEFINED                  5615     1700     5600
DEVON ENERGY CORP NEW       COM                 25179M103      919    13395 SH       SOLE                    13195        0      200
DEVON ENERGY CORP NEW       COM                 25179M103      823    12000 SH       DEFINED                  6800      600     4600
DIAMONDS TR                 UNIT SER 1          252787106      241     2282 SH       SOLE                     2282        0        0
DIAMONDS TR                 UNIT SER 1          252787106       37      350 SH       DEFINED                   350        0        0
DIME CMNTY BANCSHARES       COM                 253922108       11      750 SH       SOLE                      750        0        0
DISCOVERY HOLDING CO        CL A COM            25468Y107        1      120 SH       SOLE                      120        0        0
DISNEY WALT CO              COM DISNEY          254687106      135     5615 SH       SOLE                     5615        0        0
DISNEY WALT CO              COM DISNEY          254687106      165     6847 SH       DEFINED                  5847     1000        0
DOMINION RES INC VA NEW     COM                 25746U109      675     7847 SH       SOLE                     7847        0        0
DOMINION RES INC VA NEW     COM                 25746U109      945    10980 SH       DEFINED                 10980        0        0
DOW CHEM CO                 COM                 260543103     1099    26391 SH       SOLE                    26191        0      200
DOW CHEM CO                 COM                 260543103     1200    28826 SH       DEFINED                 25826     1000     2000
DU PONT E I DE NEMOURS & CO COM                 263534109      526    13454 SH       SOLE                    13454        0        0
DU PONT E I DE NEMOURS & CO COM                 263534109      105     2700 SH       DEFINED                  2700        0        0
DUKE ENERGY CORP            COM                 264399106      104     3600 SH       SOLE                     3600        0        0
DUKE ENERGY CORP            COM                 264399106      166     5716 SH       DEFINED                  5508        0      208
DUKE REALTY CORP                                264411505        6      200 SH       SOLE                      200        0        0
DUKE REALTY CORP                                264411505       58     1715 SH       DEFINED                  1715        0        0
DUQUESNE LT HLDGS INC COM                       266233105       14      827 SH       DEFINED                   827        0        0
E M C CORP MASS             COM                 268648102      463    35803 SH       SOLE                    35803        0        0
E M C CORP MASS             COM                 268648102      569    44015 SH       DEFINED                 33015     2000     9000
EOG RES INC                 COM                 26875P101      501     6700 SH       DEFINED                  6700        0        0
EAST PENN FINL CORP         COM                 274287101      190    21448 SH       SOLE                    21448        0        0
EASTMAN CHEM CO             COM                 277432100       26      556 SH       DEFINED                   556        0        0
EATON CORP                                      278058102        6      100 SH       SOLE                      100        0        0
EATON VANCE INSD MUNI BD FD                     27827X101       15     1000          SOLE                     1000        0        0

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

EATON VANCE INSD OHIO       MUN BD              27828L106       19     1330          SOLE                     1330        0        0
EBAY INC                    COM                 278642103      612    14860 SH       SOLE                    14860        0        0
EBAY INC                    COM                 278642103       53     1300 SH       DEFINED                  1200      100        0
EDISON INTL                 COM                 281020107       29      624 SH       DEFINED                     0        0      624
EDWARDS LIFESCIENCES CORP   COM                 28176E108        2       60 SH       SOLE                       60        0        0
EDWARDS LIFESCIENCES CORP   COM                 28176E108        4      100 SH       DEFINED                   100        0        0
EDWARDS AG INC              COM                 281760108        9      225 SH       SOLE                      225        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104       12      550 SH       SOLE                      550        0        0
ELECTRONIC DATA SYS NEW     COM                 285661104        4      200 SH       DEFINED                   200        0        0
EMERSON ELEC CO             COM                 291011104      260     3634 SH       SOLE                     3634        0        0
EMERSON ELEC CO             COM                 291011104      165     2300 SH       DEFINED                  2300        0        0
EQUIFAX INC                 COM                 294429105       49     1430 SH       DEFINED                  1430        0        0
EQUITY OFFICE PROPERTIES    TRUST               294741103        9      300 SH       SOLE                      300        0        0
EXELON CORP                                     30161N101      148     2785 SH       SOLE                     2785        0        0
EXPEDIA INC DEL             COM                 30212P105       44     2257 SH       SOLE                     2257        0        0
EXPEDIA INC DEL             COM                 30212P105       24     1250 SH       DEFINED                   200        0     1050
EXXON MOBIL CORP            COM                 30231G102     3649    57444 SH       SOLE                    57444        0        0
EXXON MOBIL CORP            COM                 30231G102     3161    49754 SH       DEFINED                 41198      556     8000
FNB CORP.                                       302520101        6      350 SH       SOLE                      350        0        0
FPL GROUP INC               COM                 302571104       38      800 SH       SOLE                      800        0        0
FPL GROUP INC               COM                 302571104      115     2436 SH       DEFINED                  2436        0        0
FAIRFAX FINANCIAL HOLDINGS  LTD                 303901102       34      200 SH       DEFINED                   200        0        0
FAMILY DOLLAR STORES INC                        307000109       11      600 SH       DEFINED                   600        0        0
FEDERAL HOME LN MTG CORP    COM                 313400301       31      550 SH       SOLE                      550        0        0
FEDERAL NATL MTG ASSN       COM                 313586109       31      710 SH       SOLE                      710        0        0
FEDERAL NATL MTG ASSN       COM                 313586109        2       50 SH       DEFINED                    50        0        0
FEDERATED DEPT STORES INC DE COM                31410H101       11      169 SH       SOLE                      169        0        0
FEDERATED DEPT STORES INC DE COM                31410H101       28      419 SH       DEFINED                   419        0        0
FEDEX CORP                  COM                 31428X106      467     5360 SH       SOLE                     5360        0        0
FEDEX CORP                  COM                 31428X106      333     3825 SH       DEFINED                  3125       50      650
FIFTH THIRD BANCORP         COM                 316773100        6      182 SH       SOLE                      182        0        0
FIRST DATA CORP             COM                 319963104      764    19103 SH       SOLE                    18903        0      200
FIRST DATA CORP             COM                 319963104      697    17431 SH       DEFINED                 11631      900     4900

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

FIRST HORIZONS NATIONAL CORP                    320517105      122     3373 SH       SOLE                     3373        0        0
CEF FIRST TR VALUE FUND                         33735D104       35     2134 SH       DEFINED                  2134        0        0
FIRST W VA BANCORP INC      COM                 337493100        1      100 SH       SOLE                      100        0        0
FIRST W VA BANCORP INC      COM                 337493100       18     1000 SH       DEFINED                  1000        0        0
FIRST ENERGY CORP COM                           337932107       26      500 SH       SOLE                      500        0        0
FIRST ENERGY CORP COM                           337932107        5      100 SH       DEFINED                   100        0        0
FLUOR CORP                  COM                 343412102       23      360 SH       SOLE                      360        0        0
FLUOR CORP                  COM                 343412102       19      300 SH       DEFINED                   300        0        0
FORD MTR CO DEL             COM PAR $0.01       345370860       11     1166 SH       SOLE                     1166        0        0
FOREST LABS INC.                                345838106       12      330 SH       SOLE                      330        0        0
FORTUNE BRANDS INC          COM                 349631101       85     1052 SH       SOLE                     1052        0        0
FORTUNE BRANDS INC          COM                 349631101      128     1580 SH       DEFINED                  1580        0        0
FOSSIL INC                  COM                 349882100        3      200 SH       SOLE                      200        0        0
4 KIDS ENTMT INC            COM                 350865101        1      100 SH       SOLE                      100        0        0
FULTON FINL CORP PA         COM                 360271100     1005    59980 SH       SOLE                    59980        0        0
FULTON FINL CORP PA         COM                 360271100       17     1060 SH       DEFINED                  1060        0        0
GALLAHER GROUP PLC          SPONSORED ADR       363595109       42      680 SH       DEFINED                   680        0        0
GANNETT INC                 COM                 364730101      450     6550 SH       SOLE                     6550        0        0
GANNETT INC                 COM                 364730101      723    10515 SH       DEFINED                  8315        0     2200
GENENTECH INC                                   368710406       19      230 SH       SOLE                      230        0        0
GENERAL DYNAMICS CORP       COM                 369550108      120     1011 SH       SOLE                     1011        0        0
GENERAL ELEC CO             COM                 369604103     3123    92810 SH       SOLE                    92510        0      300
GENERAL ELEC CO             COM                 369604103     3904   116009 SH       DEFINED                108619     2690     4700
GENERAL GROWTH PPTYS INC    COM                 370021107      224     5000 SH       SOLE                     5000        0        0
GENERAL MLS INC             COM                 370334104      178     3700 SH       SOLE                     3700        0        0
GENERAL MLS INC             COM                 370334104      322     6700 SH       DEFINED                  4700        0     2000
GENERAL MTRS CORP           COM                 370442105      109     3586 SH       SOLE                     3586        0        0
GENERAL MTRS CORP           COM                 370442105       58     1910 SH       DEFINED                  1800        0      110
GENUINE PARTS CO            COM                 372460105      128     3000 SH       SOLE                     3000        0        0
GENUINE PARTS CO            COM                 372460105       85     2000 SH       DEFINED                  2000        0        0
GENZYME CORP GENERAL        DIVISION COM        372917104       26      375 SH       SOLE                      375        0        0
GILEAD SCIENCES INC                             375558103       87     1800 SH       SOLE                     1800        0        0
GILEAD SCIENCES INC                             375558103       82     1692 SH       DEFINED                  1692        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

GILLETTE CO                 COM                 375766102      234     4022 SH       SOLE                     4022        0        0
GILLETTE CO                 COM                 375766102      116     2000 SH       DEFINED                  2000        0        0
GLAXOSMITHKLINE PLC         SPONSORED ADR       37733W105       89     1750 SH       SOLE                     1750        0        0
GLAXOSMITHKLINE PLC         SPONSORED ADR       37733W105      148     2895 SH       DEFINED                  2845        0       50
GOLDMAN SACHS GROUP INC     COM                 38141G104      370     3050 SH       SOLE                     3050        0        0
GOLDMAN SACHS GROUP INC     COM                 38141G104      710     5848 SH       DEFINED                  5848        0        0
GRAINGER W W INC            COM                 384802104      125     2000 SH       DEFINED                     0        0     2000
GREATER BAY BANCORP         COM                 391648102       11      450 SH       SOLE                      450        0        0
GUIDANT CORP                COM                 401698105      137     2000 SH       DEFINED                  2000        0        0
HCA INC                     COM                 404119109       20      435 SH       SOLE                      435        0        0
HCA INC                     COM                 404119109       26      550 SH       DEFINED                   550        0        0
HARLEY DAVIDSON INC                             412822108     1068    22060 SH       SOLE                    22060        0        0
HARLEY DAVIDSON INC                             412822108       82     1700 SH       DEFINED                  1100      600        0
HARRAH'S ENTERTAINMENT                          413619107       61      950 SH       SOLE                      950        0        0
HARRAH'S ENTERTAINMENT                          413619107       26      400 SH       DEFINED                   400        0        0
HARTFORD FINL SVCS GROUP INC COM                416515104      483     6264 SH       SOLE                     6264        0        0
HARTFORD FINL SVCS GROUP INC COM                416515104       46      600 SH       DEFINED                   600        0        0
HAWAIIAN ELECTRIC           INDUSTRIES INC      419870100        5      200 SH       DEFINED                   200        0        0
HEINZ H J CO                COM                 423074103      136     3725 SH       SOLE                     3725        0        0
HEINZ H J CO                COM                 423074103       37     1025 SH       DEFINED                  1025        0        0
THE HERSHEY COMPANY         COM                 427866108      176     3141 SH       SOLE                     3141        0        0
HEWLETT PACKARD CO          COM                 428236103       35     1200 SH       SOLE                     1200        0        0
HEWLETT PACKARD CO          COM                 428236103       50     1732 SH       DEFINED                  1732        0        0
HILTON HOTELS CORP                              432848109       11      500 SH       DEFINED                   500        0        0
HOME DEPOT INC              COM                 437076102      924    24245 SH       SOLE                    24095        0      150
HOME DEPOT INC              COM                 437076102      892    23410 SH       DEFINED                 17010      950     5450
HONEYWELL INTL INC          COM                 438516106       45     1200 SH       SOLE                     1200        0        0
HONEYWELL INTL INC          COM                 438516106       15      400 SH       DEFINED                   400        0        0
HOSPITALITY PROPERTIES TR                       44106M102       42     1000 SH       SOLE                     1000        0        0
HOSPIRA, INC.                                   441060100        4      110 SH       SOLE                      110        0        0
HOSPIRA, INC.                                   441060100        7      180 SH       DEFINED                   180        0        0
HUDSON UNITED BANCORP       COM                 444165104       14      350 SH       SOLE                      350        0        0
HUMANA INC                  COM                 444859102      534    11160 SH       DEFINED                 11160        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

HUNTINGTON BANCSHARES INC   COM                 446150104       34     1521 SH       DEFINED                  1521        0        0
IAC INTERACTIVECORP         COM NEW             44919P300       57     2257 SH       SOLE                     2257        0        0
IAC INTERACTIVECORP         COM NEW             44919P300       34     1375 SH       DEFINED                   325        0     1050
ING CLARION GLOBAL REAL     ESTATE INCOME FUND  44982G104      254    16107 SH       DEFINED                 16107        0        0
IMAGISTICS INTERNATIONAL INC COM                45247T104       10      240 SH       DEFINED                   240        0        0
INTEL CORP                  COM                 458140100     1222    49610 SH       SOLE                    49610        0        0
INTEL CORP                  COM                 458140100     1346    54638 SH       DEFINED                 45038     2200     7400
INTERNATIONAL BUSINESS MACH  COM                459200101      796     9925 SH       SOLE                     9925        0        0
INTERNATIONAL BUSINESS MACH  COM                459200101      707     8819 SH       DEFINED                  7947        0      872
INTL PAPER CO               COM                 460146103       56     1900 SH       SOLE                     1900        0        0
INTL PAPER CO               COM                 460146103       11      400 SH       DEFINED                     0        0      400
INTERVEST BANCSHARES CORP   CL A                460927106       15      700 SH       SOLE                      700        0        0
INVESTORS FINL SERVICES CORPCOM                 461915100       11      350 SH       SOLE                      350        0        0
I SHARES JAPAN INDEX                            464286848       65     5400 SH       DEFINED                  5400        0        0
ETF I SHARES DOW JONES                          464287168        6      100 SH       DEFINED                   100        0        0
ISHARES TR                  S^P 500 INDEX       464287200      995     8094 SH       SOLE                     8094        0        0
ISHARES TR                  S^P 500 INDEX       464287200      104      850 SH       DEFINED                   600      250        0
S^P 500/BARRA GROWTH INDEX  FD                  464287309      320     5475 SH       SOLE                     5475        0        0
S^P 500/BARRA VALUE INDEX FD                    464287408      251     3915 SH       SOLE                     3915        0        0
S^P 500/BARRA VALUE INDEX FD                    464287408       48      750 SH       DEFINED                   750        0        0
ISHARES TRUST MSCI EAFE FD  MSCI EAFE INDEX FUND464287465       43      750 SH       SOLE                      750        0        0
S^P MID CAP 400 INDEX FUND  I SHARES            464287507      209     2915 SH       SOLE                     2915        0        0
S^P MIDCAP 400/BARRA GROWTH INDEX FUND I SHS    464287606      126     1750 SH       SOLE                     1750        0        0
CEF ISHARES TR FUNDS                            464287648       20      300 SH       SOLE                      300        0        0
S^P MIDCAP 400/BARRA VALUE  INDEX FD            464287705      131     1880 SH       SOLE                     1880        0        0
CEF I SHARES TRUST FUNDS                        464287739        6      100 SH       SOLE                      100        0        0
S& P SMALL CAP 600 INDEX    FUND I SHARES       464287804      224     3882 SH       SOLE                     3882        0        0
S& P SMALL CAP 600 INDEX    FUND I SHARES       464287804       37      645 SH       DEFINED                   645        0        0
I SHARES TR S^P SMALL CAP   600/BARRA VALUE     464287879      110     1734 SH       SOLE                     1734        0        0
I SHARES TR S^P SMALL CAP   600/BARRA GROWTH    464287887       78      672 SH       SOLE                      672        0        0
JPMORGAN CHASE & CO         COM                 46625H100     1201    35402 SH       SOLE                    35202        0      200
JPMORGAN CHASE & CO         COM                 46625H100     2884    85007 SH       DEFINED                 82757     2250        0
JABIL CIRCUIT INC                               466313103      173     5600 SH       SOLE                     5600        0        0
JABIL CIRCUIT INC                               466313103       30     1000 SH       DEFINED                   500      500        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

JOHNSON & JOHNSON           COM                 478160104     1631    25780 SH       SOLE                    25680        0      100
JOHNSON & JOHNSON           COM                 478160104     2691    42538 SH       DEFINED                 40838      500     1200
JOHNSON CTLS INC            COM                 478366107       21      350 SH       SOLE                      350        0        0
JUNIPER NETWORKS INC        COM                 48203R104      109     4600 SH       SOLE                     4600        0        0
KLA - TENCOR CORPORATION                        482480100       24      500 SH       DEFINED                   500        0        0
KB HOME                     COM                 48666K109       54      750 SH       SOLE                      750        0        0
KB HOME                     COM                 48666K109       36      500 SH       DEFINED                   500        0        0
KELLOGG CO                                      487836108      145     3163 SH       SOLE                     3163        0        0
KEYCORP NEW                 COM                 493267108       12      400 SH       SOLE                      400        0        0
KEYSPAN CORP                                    49337W100      218     5950 SH       SOLE                     5950        0        0
KEYSPAN CORP                                    49337W100       55     1500 SH       DEFINED                  1500        0        0
KIMBERLY CLARK CORP         COM                 494368103      231     3886 SH       SOLE                     3886        0        0
KIMBERLY CLARK CORP         COM                 494368103      130     2200 SH       DEFINED                  1000        0     1200
KINDER MORGAN INC KANS      COM                 49455P101      134     1400 SH       SOLE                     1400        0        0
KOHLS CORP                  COM                 500255104      122     2450 SH       SOLE                     2350        0      100
KOHLS CORP                  COM                 500255104        7      150 SH       DEFINED                   150        0        0
KRAFT FOODS INC                                 50075N104       12      400 SH       DEFINED                   400        0        0
L-3 COMMUNICATIONS HLDGS INCCOM                 502424104      190     2413 SH       SOLE                     2413        0        0
L-3 COMMUNICATIONS HLDGS INCCOM                 502424104      288     3650 SH       DEFINED                  3650        0        0
LABORATORY CORP AMER HLDGS  COM NEW             50540R409       93     1923 SH       DEFINED                  1923        0        0
LEHMAN BROTHERS HOLDINGS    INC                 524908100       18      160 SH       SOLE                      160        0        0
LIBERTY GLOBAL INC          COM SER A           530555101        1       60 SH       SOLE                       60        0        0
LIBERTY GLOBAL INC          COM SER C           530555309        1       60 SH       SOLE                       60        0        0
LIBERTY MEDIA CORP NEW      COM SER A           530718105        9     1200 SH       SOLE                     1200        0        0
LIBERTY PPTY TR             SH BEN INT          531172104       56     1325 SH       SOLE                     1325        0        0
LILLY ELI & CO              COM                 532457108       54     1025 SH       SOLE                     1025        0        0
LILLY ELI & CO              COM                 532457108       40      750 SH       DEFINED                   750        0        0
LINCOLN NATIONAL CORP                           534187109       52     1000 SH       DEFINED                  1000        0        0
LINEAR TECHNOLOGY CORP      COM                 535678106      118     3150 SH       SOLE                     3150        0        0
LINEAR TECHNOLOGY CORP      COM                 535678106        5      150 SH       DEFINED                   150        0        0
LOCKHEED MARTIN CORP        COM                 539830109       79     1300 SH       SOLE                     1300        0        0
LOCKHEED MARTIN CORP        COM                 539830109      189     3098 SH       DEFINED                  3098        0        0
LOWES COS INC               COM                 548661107      233     3628 SH       SOLE                     3628        0        0
LOWES COS INC               COM                 548661107       51      800 SH       DEFINED                   800        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

LUCENT TECHNOLOGIES INC     COM                 549463107        9     3060 SH       SOLE                     3060        0        0
LUCENT TECHNOLOGIES INC     COM                 549463107       15     4806 SH       DEFINED                  4806        0        0
MBIA INC                    COM                 55262C100      163     2700 SH       DEFINED                  2700        0        0
MBNA CORP                   COM                 55262L100      723    29377 SH       SOLE                    29077        0      300
MBNA CORP                   COM                 55262L100      612    24850 SH       DEFINED                 11800     2650    10400
MGI PHARMA INC              COM                 552880106       74     3195 SH       SOLE                     3195        0        0
MARSH & MCLENNAN COS INC    COM                 571748102        6      200 SH       DEFINED                   200        0        0
MASCO CORP                  COM                 574599106      667    21766 SH       SOLE                    21766        0        0
MASCO CORP                  COM                 574599106      323    10550 SH       DEFINED                  7050      100     3400
MAXIM INTEGRATED PRODS INC.                     57772K101      124     2926 SH       SOLE                     2926        0        0
MAYTAG CORP                 COM                 578592107        7      400 SH       DEFINED                   400        0        0
MCCORMICK & CO INC                              579780206        7      243 SH       SOLE                      243        0        0
MCDATA CORP                 CL A                580031201        0        7 SH       SOLE                        7        0        0
MCDATA CORP                 CL A                580031201        0        7 SH       DEFINED                     7        0        0
MCDONALDS CORP              COM                 580135101       56     1700 SH       SOLE                     1700        0        0
MCDONALDS CORP              COM                 580135101       36     1100 SH       DEFINED                  1100        0        0
MCGRAW HILL COS INC         COM                 580645109      134     2800 SH       SOLE                     2800        0        0
MCGRAW HILL COS INC         COM                 580645109      220     4600 SH       DEFINED                  4600        0        0
MEADWESTVACO CORP                               583334107       13      500 SH       DEFINED                   500        0        0
MEDCO HEALTH SOLUTIO                            58405U102       15      288 SH       SOLE                      288        0        0
MEDCO HEALTH SOLUTIO                            58405U102       55     1017 SH       DEFINED                   722        0      295
MEDTRONIC INC               COM                 585055106      806    15050 SH       SOLE                    14950        0      100
MEDTRONIC INC               COM                 585055106      463     8650 SH       DEFINED                  7850      100      700
MELLON FINL CORP            COM                 58551A108      387    12112 SH       SOLE                    12112        0        0
MELLON FINL CORP            COM                 58551A108      403    12628 SH       DEFINED                  4628        0     8000
MERCK & CO INC              COM                 589331107      161     5950 SH       SOLE                     5950        0        0
MERCK & CO INC              COM                 589331107      132     4882 SH       DEFINED                  2432        0     2450
MERRILL LYNCH & CO INC      COM                 590188108      653    10655 SH       SOLE                    10505        0      150
MERRILL LYNCH & CO INC      COM                 590188108      164     2675 SH       DEFINED                  2475      200        0
METLIFE INC                 COM                 59156R108       37      750 SH       SOLE                      750        0        0
METLIFE INC                 COM                 59156R108       74     1500 SH       DEFINED                     0     1500        0
MICROSOFT CORP              COM                 594918104     1137    44233 SH       SOLE                    44033        0      200
MICROSOFT CORP              COM                 594918104     2053    79833 SH       DEFINED                 68433     2200     9200

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

MICRON TECHNOLOGY                               595112103       12      960 SH       SOLE                      960        0        0
MID CAP S P D R TRUST UNIT  SER 1               595635103       69      534 SH       SOLE                      534        0        0
MID CAP S P D R TRUST UNIT  SER 1               595635103       50      385 SH       DEFINED                   385        0        0
MORGAN STANLEY              COM NEW             617446448      242     4500 SH       SOLE                     4500        0        0
MORGAN STANLEY              COM NEW             617446448       86     1600 SH       DEFINED                   500     1100        0
MOTOROLA INC                COM                 620076109       13      600 SH       DEFINED                   600        0        0
MUNICIPAL HIGH INCOME FD INCCOM                 626214100       45     6205 SH       SOLE                     6205        0        0
MYLAN LABS INC              COM                 628530107      165     8600 SH       SOLE                     8600        0        0
MYLAN LABS INC              COM                 628530107       58     3025 SH       DEFINED                  2525      500        0
NCR CORP NEW                COM                 62886E108        0        2 SH       DEFINED                     2        0        0
NASDAQ 100 TR               UNIT SER 1          631100104       27      700 SH       SOLE                      700        0        0
NASDAQ 100 TR               UNIT SER 1          631100104      639    16200 SH       DEFINED                 16200        0        0
NATIONAL CITY CORP          COM                 635405103       23      716 SH       SOLE                      716        0        0
NATIONAL CITY CORP          COM                 635405103       46     1400 SH       DEFINED                  1400        0        0
NATIONAL FUEL GAS CO N J    COM                 636180101      599    17525 SH       SOLE                    17525        0        0
NATIONAL FUEL GAS CO N J    COM                 636180101      537    15720 SH       DEFINED                 12220     2000     1500
NATIONAL SEMICONDUCTOR CORP COM                 637640103       31     1200 SH       SOLE                     1200        0        0
NEENAH PAPER INC            COM                 640079109        1       48 SH       SOLE                       48        0        0
NEENAH PAPER INC            COM                 640079109        0       26 SH       DEFINED                    20        0        6
NETWORK APPLIANCE INC       COM                 64120L104       47     2000 SH       DEFINED                  2000        0        0
NEWELL RUBBERMAID INC       COM                 651229106       13      600 SH       SOLE                      600        0        0
NEWELL RUBBERMAID INC       COM                 651229106      162     7184 SH       DEFINED                  7184        0        0
NEWS CORP. CLASS B                              65248E203      107     6523 SH       SOLE                     6523        0        0
NIKE INC                    CL B                654106103       40      500 SH       DEFINED                   500        0        0
NOKIA CORP                  SPONSORED ADR       654902204      487    28824 SH       SOLE                    28824        0        0
NOKIA CORP                  SPONSORED ADR       654902204      419    24850 SH       DEFINED                 24850        0        0
NORFOLK SOUTHERN CORP       COM                 655844108       18      450 SH       DEFINED                     0        0      450
NORTEL NETWORKS CORP NEW    COM                 656568102        6     2000 SH       DEFINED                  2000        0        0
NORTH FORK BANCORPORATION   INC                 659424105       16      630 SH       SOLE                      630        0        0
NOVELLUS SYS INC            COM                 670008101       17      700 SH       SOLE                      700        0        0
NUVEEN INS PREM INC MUNI FD                     6706D8104        9      700          DEFINED                   700        0        0
NUVEEN EQUITY PREM INCOME FD                    6706ER101       74     3750 SH       DEFINED                  3750        0        0
NUVEEN MUN INCOME FUND INC                      67062J102       14     1361          DEFINED                  1361        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 MUN MKT OPPORTUNITY  FUND INC            67062W103        9      637          DEFINED                   637        0        0
NUVEEN N Y INVT QUALITY     MUN FD INC          67062X101      114     7657          DEFINED                  7657        0        0
CEF NUVEEN INSURED TAX-FREE ADVANTAGE FUND      670657105       27     2000          DEFINED                  2000        0        0
NUVEEN DIVIDEND ADVANTAGE                       67066V101        7      500          DEFINED                   500        0        0
NUVEEN CEF OHIO MUNI FUN                        67070C107       56     3350          DEFINED                  3350        0        0
NUVEEN REAL ESTATE INCOME FD                    67071B108      174     8600 SH       DEFINED                  8600        0        0
NUVEEN INSD DIVID ADVANTAGE COM                 67071L106       10      700 SH       SOLE                      700        0        0
CEF NUVEEN QUALITY PFD      INCOME FUND         67071S101       62     4750 SH       DEFINED                  4750        0        0
NUVEEN PFD & CONV INCOME    FUND 2              67073D102      188    15000 SH       SOLE                        0        0    15000
OGE ENERGY CORP             COM                 670837103       14      500 SH       SOLE                      500        0        0
NUVEEN TAX ADVANTAGE TOTAL  RETURN STRAT FUND   67090H102       10      500 SH       DEFINED                   500        0        0
NUVEEN MUNICIPAL VALUE FD                       670928100        6      632          DEFINED                   632        0        0
NUVEEN INSURED MUNICPAL     OPPORTUNITY FUND    670984103        4      333          DEFINED                   333        0        0
OCCIDENTAL PETROLEUM CORP                       674599105      109     1285 SH       SOLE                     1285        0        0
OCCIDENTAL PETROLEUM CORP                       674599105      213     2500 SH       DEFINED                  2500        0        0
OMNICOM GROUP INC           COM                 681919106      856    10240 SH       SOLE                    10240        0        0
OMNICOM GROUP INC           COM                 681919106      681     8150 SH       DEFINED                  4450      200     3500
ORACLE CORP                 COM                 68389X105       87     7080 SH       SOLE                     7080        0        0
ORACLE CORP                 COM                 68389X105      256    20700 SH       DEFINED                  2800        0    17900
ORASURE TECHNOLOGIES INC    COM                 68554V108       18     2000 SH       SOLE                     2000        0        0
PHH CORP                    COM NEW             693320202        7      263 SH       SOLE                      253        0       10
PHH CORP                    COM NEW             693320202        3      112 SH       DEFINED                   112        0        0
PNC FINL SVCS GROUP INC     COM                 693475105      133     2300 SH       SOLE                     2300        0        0
PNC FINL SVCS GROUP INC     COM                 693475105       92     1600 SH       DEFINED                   600        0     1000
PPG INDS INC                COM                 693506107      395     6675 SH       SOLE                     6675        0        0
PPG INDS INC                COM                 693506107      581     9825 SH       DEFINED                  8725      800      300
PPL CORP                                        69351T106       35     1086 SH       SOLE                     1086        0        0
PPL CORP                                        69351T106       67     2100 SH       DEFINED                  2100        0        0
PACTIV CORP                                     695257105       61     3500 SH       SOLE                     3500        0        0
PALL CORP                                       696429307       10      390 SH       SOLE                      390        0        0
PALL CORP                                       696429307        5      200 SH       DEFINED                   200        0        0
PAN PACIFIC RETAIL PPTYS INCCOM                 69806L104       69     1062 SH       DEFINED                  1062        0        0
PAYCHEX INC                 COM                 704326107       82     2228 SH       SOLE                     2228        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

PENTAIR INC                                     709631105       88     2420 SH       SOLE                     2420        0        0
PEPCO HOLDINGS INC                              713291102       23     1000 SH       DEFINED                  1000        0        0
PEPSICO INC                 COM                 713448108     1168    20614 SH       SOLE                    20414        0      200
PEPSICO INC                 COM                 713448108     1400    24698 SH       DEFINED                 22798      200     1700
PETCO ANIMAL SUPPLIES                           716016209       12      600 SH       SOLE                      600        0        0
PETCO ANIMAL SUPPLIES                           716016209       42     2000 SH       DEFINED                   100        0     1900
PETSMART INC                                    716768106       74     3400 SH       SOLE                     3400        0        0
PETSMART INC                                    716768106       75     3450 SH       DEFINED                  2450     1000        0
PFIZER INC                  COM                 717081103     1037    41583 SH       SOLE                    41283        0      300
PFIZER INC                  COM                 717081103      201     8075 SH       DEFINED                  7075     1000        0
PIMCO MUNICIPAL INCOME FD   COM                 72200R107       18     1200 SH       SOLE                     1200        0        0
PINNACLE WEST CAPITAL CORP                      723484101      119     2710 SH       SOLE                     2710        0        0
PITNEY BOWES INC            COM                 724479100      121     2900 SH       DEFINED                  2900        0        0
PLUM CREEK TIMBER CO.       INC.                729251108       39     1037 SH       SOLE                     1037        0        0
PLUM CREEK TIMBER CO.       INC.                729251108      189     5000 SH       DEFINED                  5000        0        0
POWER SHARES ETF TRUST                          73935X104      230     5115 SH       SOLE                     5115        0        0
POWER SHARES ETF TRUST                          73935X104       22      500 SH       DEFINED                   500        0        0
POWER SHARES ETF TRUST                          73935X203      157     3315 SH       SOLE                     3315        0        0
POWER SHARES ETF TRUST                          73935X203       47     1000 SH       DEFINED                  1000        0        0
PRAXAIR INC                                     74005P104        9      200 SH       SOLE                      200        0        0
PRAXAIR INC                                     74005P104      133     2776 SH       DEFINED                  2776        0        0
PREMIERE GLOBAL SVCS INC    COM                 740585104      122    15000 SH       SOLE                    15000        0        0
PRINCIPAL FINANCIAL GROUP INCOM                 74251V102        6      127 SH       SOLE                      127        0        0
PROCTER & GAMBLE CO         COM                 742718109     1861    31305 SH       SOLE                    31155        0      150
PROCTER & GAMBLE CO         COM                 742718109     1241    20875 SH       DEFINED                 13275     1100     6500
PROGRESS ENERGY INC         COM                 743263105      789    17641 SH       SOLE                    17491        0      150
PROGRESS ENERGY INC         COM                 743263105      390     8720 SH       DEFINED                  7929      291      500
PUBLIC STORAGE INC          COM                 74460D109       11      179 SH       SOLE                      179        0        0
QUALCOMM INC                COM                 747525103      319     7130 SH       SOLE                     7130        0        0
QUEST DIAGNOSTICS INC                           74834L100      320     6350 SH       SOLE                     6350        0        0
QUEST DIAGNOSTICS INC                           74834L100      149     2950 SH       DEFINED                  2150      800        0
REGIONS FINANCIAL           CORP. NEW           7591EP100        9      300 SH       SOLE                      300        0        0
REGIONS FINANCIAL           CORP. NEW           7591EP100       16      525 SH       DEFINED                   525        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

REPUBLIC FIRST BANCORP INC  COM                 760416107       15     1232 SH       SOLE                     1232        0        0
REYNOLDS AMERICAN INC.                          761713106       24      300 SH       DEFINED                   300        0        0
ROCKWELL INTL CORP NEW      COM                 773903109       94     1785 SH       DEFINED                  1785        0        0
ROCKWELL COLLINS INC        COM                 774341101       86     1785 SH       DEFINED                  1785        0        0
ROYAL DUTCH PETE CO         NY REG GLD1.25      780257804       87     1400 SH       SOLE                     1400        0        0
ROYAL DUTCH SHELL PLC       SPONS ADR A         780259206       65     1000 SH       DEFINED                  1000        0        0
SBC COMMUNICATIONS INC      COM                 78387G103      728    30405 SH       SOLE                    30405        0        0
SBC COMMUNICATIONS INC      COM                 78387G103      431    18013 SH       DEFINED                 14987     1526     1500
THE ST. PAUL TRAVELERS      COMPANIES INC  COM  792860108        4      102 SH       SOLE                      102        0        0
THE ST. PAUL TRAVELERS      COMPANIES INC  COM  792860108       15      355 SH       DEFINED                   355        0        0
SANDISK CORP                COM                 80004C101       11      240 SH       SOLE                      240        0        0
SANOFI AVENTIS              SPONSORED ADR       80105N105       24      586 SH       SOLE                      586        0        0
SARA LEE CORP               COM                 803111103        5      300 SH       SOLE                      300        0        0
SARA LEE CORP               COM                 803111103      447    23651 SH       DEFINED                 23651        0        0
SCANA CORP                                      80589M102       22      524 SH       DEFINED                   524        0        0
HENRY SCHEIN INC.                               806407102      158     3714 SH       SOLE                     3714        0        0
SCHLUMBERGER LTD            COM                 806857108      198     2350 SH       SOLE                     2350        0        0
SCHLUMBERGER LTD            COM                 806857108      189     2250 SH       DEFINED                  2250        0        0
SCHWAB CHARLES CORP NEW     COM                 808513105       94     6533 SH       SOLE                     6533        0        0
SCUDDER MUNI INCOME TR                          81118R604       12     1000          SOLE                     1000        0        0
SEALED AIR CORPORATION                          81211K100       46      970 SH       SOLE                      970        0        0
SEARS HLDGS CORP            COM                 812350106       23      188 SH       DEFINED                   188        0        0
SECTOR SPDR TRUST                               81369Y803      355    17000 SH       DEFINED                 17000        0        0
SHERWIN WILLIAMS CO         COM                 824348106       13      300 SH       DEFINED                   300        0        0
SIRIUS SATELLITE RADIO INC                      82966U103       19     3000 SH       SOLE                     3000        0        0
SKY FINANCIAL GROUP INC                         83080P103       61     2199 SH       SOLE                     2199        0        0
SKY FINANCIAL GROUP INC                         83080P103       67     2409 SH       DEFINED                  2409        0        0
JM SMUCKER CO                                   832696405       16      342 SH       SOLE                      342        0        0
JM SMUCKER CO                                   832696405        5      104 SH       DEFINED                   104        0        0
SOLECTRON CORP              COM                 834182107        7     2000 SH       DEFINED                  2000        0        0
SONY CORP                                       835699307       24      724 SH       SOLE                      724        0        0
SOUTHERN CO                                     842587107      178     5000 SH       SOLE                     5000        0        0
SOUTHERN CO                                     842587107       63     1780 SH       DEFINED                  1780        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

SOVEREIGN BANCORP INC       COM                 845905108       72     3307 SH       SOLE                     3307        0        0
SPRINT NEXTEL CORP                              852061100       30     1267 SH       DEFINED                  1267        0        0
STAPLES INC                 COM                 855030102        4      225 SH       SOLE                      225        0        0
STAPLES INC                 COM                 855030102       12      600 SH       DEFINED                   600        0        0
STARBUCKS CORP              COM                 855244109       25      500 SH       SOLE                      500        0        0
STARBUCKS CORP              COM                 855244109       20      400 SH       DEFINED                   400        0        0
STATE AUTO FINL CORP        COM                 855707105      347    11000 SH       DEFINED                 11000        0        0
STARWOOD HOTELS^RESORTS WRLDPAIRED CTF          85590A203       93     1640 SH       SOLE                     1640        0        0
STATE STR CORP              COM                 857477103       58     1200 SH       SOLE                     1200        0        0
STATE STR CORP              COM                 857477103      278     5700 SH       DEFINED                  5700        0        0
STEREOTAXIS INC.                                85916J102        3      510 SH       DEFINED                   510        0        0
STRYKER CORP                                    863667101        6      140 SH       SOLE                      140        0        0
STRYKER CORP                                    863667101       44      900 SH       DEFINED                   900        0        0
SUN MICROSYSTEMS INC        COM                 866810104        7     2000 SH       SOLE                     2000        0        0
SUN MICROSYSTEMS INC        COM                 866810104        2      700 SH       DEFINED                   700        0        0
SUNCOR ENERGY INC           COM                 867229106       30      505 SH       DEFINED                   505        0        0
SUNTRUST BANKS INC                              867914103       10      150 SH       SOLE                      150        0        0
SYMANTEC CORP               COM                 871503108       97     4300 SH       SOLE                     4300        0        0
SYMANTEC CORP               COM                 871503108      126     5575 SH       DEFINED                  5575        0        0
SYMBOL TECHNOLOGIES INC     COM                 871508107        0       41 SH       SOLE                       41        0        0
SYSCO CORP                  COM                 871829107       15      500 SH       SOLE                      500        0        0
SYSCO CORP                  COM                 871829107      221     7050 SH       DEFINED                  7050        0        0
TECO ENERGY INC             COM                 872375100        3      200 SH       SOLE                      200        0        0
TECO ENERGY INC             COM                 872375100       36     2000 SH       DEFINED                     0        0     2000
TJX COS INC NEW             COM                 872540109       45     2200 SH       SOLE                     2200        0        0
TJX COS INC NEW             COM                 872540109        6      300 SH       DEFINED                   300        0        0
TARGET CORP                 COM                 87612E106      312     6013 SH       SOLE                     6013        0        0
TARGET CORP                 COM                 87612E106      186     3600 SH       DEFINED                  2100     1000      500
TECHE HOLDING CO                                878330109       23      600 SH       SOLE                      600        0        0
TEVA PHARMACEUTICAL         INDUSTRIES LTD      881624209      139     4172 SH       SOLE                     4172        0        0
TEVA PHARMACEUTICAL         INDUSTRIES LTD      881624209      193     5790 SH       DEFINED                  5790        0        0
TEXAS INSTRS INC            COM                 882508104      674    19890 SH       SOLE                    19690        0      200
TEXAS INSTRS INC            COM                 882508104     1052    31046 SH       DEFINED                 30346      700        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

3M CO                                           88579Y101     1062    14486 SH       SOLE                    14386        0      100
3M CO                                           88579Y101      876    11950 SH       DEFINED                  8250      300     3400
TIME WARNER INC NEW                             887317105       43     2393 SH       SOLE                     2393        0        0
TIME WARNER INC NEW                             887317105       26     1470 SH       DEFINED                  1470        0        0
TRIBUNE CO NEW              COM                 896047107       27      800 SH       SOLE                      800        0        0
TYCO INTL LTD NEW           COM                 902124106      183     6580 SH       SOLE                     6580        0        0
TYCO INTL LTD NEW           COM                 902124106       34     1248 SH       DEFINED                   974        0      274
US BANCORP                                      902973304      424    15139 SH       SOLE                    15139        0        0
ULTRA PETROLEUM CORP                            903914109       45      800 SH       DEFINED                   800        0        0
UNION PAC CORP              COM                 907818108      509     7110 SH       SOLE                     7110        0        0
UNION PAC CORP              COM                 907818108      347     4850 SH       DEFINED                  3350        0     1500
UNITED BANKSHARES INC WEST VCOM                 909907107      302     8650 SH       SOLE                     8650        0        0
UNITED BANKSHARES INC WEST VCOM                 909907107      785    22488 SH       DEFINED                 19988        0     2500
UNITED BANCORP INC OHIO     COM                 909911109       31     2508 SH       SOLE                     2508        0        0
UNITED BANCORP INC OHIO     COM                 909911109       26     2117 SH       DEFINED                  2117        0        0
UNITED NATURAL FOODS                            911163103       67     1900 SH       DEFINED                  1900        0        0
UNITED PARCEL SERVICE INC   CL B                911312106      150     2175 SH       SOLE                     2075        0      100
UNITED PARCEL SERVICE INC   CL B                911312106      425     6150 SH       DEFINED                  6150        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109      656    12664 SH       SOLE                    12664        0        0
UNITED TECHNOLOGIES CORP    COM                 913017109     1485    28648 SH       DEFINED                 26348      600     1700
UNITEDHEALTH GROUP INC      COM                 91324P102      265     4720 SH       SOLE                     4720        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100      313     2770 SH       SOLE                     2770        0        0
VALERO ENERGY CORP NEW      COM                 91913Y100      401     3550 SH       DEFINED                  3550        0        0
VARIAN MED SYS INC          COM                 92220P105      134     3400 SH       DEFINED                  3400        0        0
VANGUARD REIT VIPERS                            922908553      163     2700 SH       SOLE                     2700        0        0
VANGUARD REIT VIPERS                            922908553       33      550 SH       DEFINED                   550        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      956    29256 SH       SOLE                    29256        0        0
VERIZON COMMUNICATIONS      COM                 92343V104      981    30033 SH       DEFINED                 27573      100     2360
VIACOM INC. CLASS A                             925524100       85     2586 SH       SOLE                     2586        0        0
VIACOM INC                  CL B                925524308       22      688 SH       SOLE                      688        0        0
VIACOM INC                  CL B                925524308       40     1217 SH       DEFINED                  1000        0      217
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       54     2100 SH       SOLE                     2100        0        0
VODAFONE GROUP PLC NEW      SPONSORED ADR       92857W100       69     2660 SH       DEFINED                  2660        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

VORNADO REALTY TRUST                            929042109      173     2000 SH       SOLE                     2000        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102      384     8087 SH       SOLE                     8087        0        0
WACHOVIA CORP 2ND NEW       COM                 929903102      298     6275 SH       DEFINED                  6075      200        0
WAL MART STORES INC         COM                 931142103     1135    25925 SH       SOLE                    25825        0      100
WAL MART STORES INC         COM                 931142103      675    15415 SH       DEFINED                  9015      900     5500
WALGREEN CO                 COM                 931422109      622    14324 SH       SOLE                    14324        0        0
WALGREEN CO                 COM                 931422109      416     9589 SH       DEFINED                  8239     1350        0
WASHINGTON MUTUAL INC COMMON                    939322103      423    10800 SH       SOLE                    10800        0        0
WASHINGTON MUTUAL INC COMMON                    939322103      351     8950 SH       DEFINED                  6550     1200     1200
WASHINGTON REAL ESTATE      INVESTMENT TRUST    939653101      124     4000 SH       SOLE                        0        0     4000
WASTE MGMT INC DEL          COM                 94106L109        2       72 SH       DEFINED                    72        0        0
WATSON PHARMACEUTICALS INC  COM                 942683103       54     1500 SH       DEFINED                     0        0     1500
WEBSTER FINL CORP CONN      COM                 947890109       11      250 SH       SOLE                      250        0        0
WELLPOINT INC               COM                 94973V107       90     1200 SH       DEFINED                  1200        0        0
WELLS FARGO & CO NEW        COM                 949746101      484     8277 SH       SOLE                     8277        0        0
WELLS FARGO & CO NEW        COM                 949746101      319     5450 SH       DEFINED                  5450        0        0
WESBANCO INC                COM                 950810101     2152    78267 SH       SOLE                    78267        0        0
WESBANCO INC                COM                 950810101     1073    39020 SH       DEFINED                 39020        0        0
WEYERHAEUSER CO             COM                 962166104       85     1250 SH       SOLE                     1250        0        0
WEYERHAEUSER CO             COM                 962166104       72     1050 SH       DEFINED                     0        0     1050
WHIRLPOOL CORP              COM                 963320106       35      475 SH       DEFINED                   475        0        0
WHOLE FOOD MARKET INC                           966837106       24      185 SH       SOLE                      185        0        0
WHOLE FOOD MARKET INC                           966837106      197     1470 SH       DEFINED                  1470        0        0
WRIGLEY WM JR CO            COM                 982526105       27      382 SH       SOLE                      382        0        0
WYETH COM                                       983024100     1014    21920 SH       SOLE                    21920        0        0
WYETH COM                                       983024100     2322    50194 SH       DEFINED                 47994        0     2200
XM SATELLITE RADIO A HOLDINGINC  CLASS A        983759101      132     3693 SH       DEFINED                  3693        0        0
XCEL ENERGY INC             COM                 98389B100      189     9675 SH       SOLE                     4675        0     5000
XCEL ENERGY INC             COM                 98389B100       84     4284 SH       DEFINED                  1000        0     3284
XILINX INC                  COM                 983919101      405    14550 SH       SOLE                    14400        0      150
XILINX INC                  COM                 983919101      128     4600 SH       DEFINED                  4300        0      300
YANKEE CANDLE INC           COM                 984757104       24     1000 SH       SOLE                     1000        0        0
YUM BRANDS INC. COM                             988498101        1       40 SH       SOLE                       40        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
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------

ZIMMER HLDGS INC            COM                 98956P102      503     7304 SH       SOLE                     7204        0      100
ZIMMER HLDGS INC            COM                 98956P102     1823    26469 SH       DEFINED                 25052      200     1217
ZIONS BANCORPORATION        COM                 989701107       16      225 SH       SOLE                      225        0        0

 GRAND TOTALS                                               177593  4506434                                4151858    60763   293813