13F-HR 1 prt2890303.txt FILING FORM 13F COVER PAGE SECURITIES AND EXCHANGE COMMISSION FORM 13-F (13F-HR) CHITTENDEN CORPORATION ATTN MIKE GAUDING - TRUST OPERATIONS 2 BURLINGTON SQUARE BURLINGTON VT 05401 SIGNATURE: JERRY CONDON NAME: JERRY CONDON TITLE: CHIEF INVESTMENT OFFICER PHONE: 802 660-1325 FORM 13F SUMMARY PAGE SECURITIES AND EXCHANGE COMMISSION FORM 13-F (13F-HR) CHITTENDEN TRUST COMPANY - 1 BANK OF WESTERN MASSACHUSETTS - 2 FLAGSHIP BANK AND TRUST COMPANY - 3 MAINE BANK & TRUST - 4 FORM 13F INFORMATION TABLE

CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 1 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) ABM INDS INC COM 000957100 16 1090 SH DEFINED 1090 0 0 AOL TIME WARNER INC COM 00184A105 18 1375 SH DEFINED 1375 0 0 AT&T CORP NEW COM 001957505 21 827 SH DEFINED 422 256 149 AT&T WIRELESS SVCS INC COM 00209A106 6 1103 SH DEFINED 453 412 238 ABBOTT LABS 002824100 897 22414 SH X 1 21304 1110 ABBOTT LABS 002824100 661 16526 SH X X 1 16026 500 ABBOTT LABS COM 002824100 1193 29846 SH DEFINED 23826 4360 1660 ABERCROMBIE & FITCH CO CL A 002896207 5 260 SH DEFINED 260 0 0 AEGON N V ORD AMER REG 007924103 2 176 SH DEFINED 176 0 0 AETNA INC NEW COM 00817Y108 3 80 SH DEFINED 80 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 2 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) AGERE SYS INC CL A 00845V100 0 2 SH DEFINED 0 0 2 AGERE SYS INC CL B 00845V209 0 81 SH DEFINED 10 0 71 AIR PRODS & CHEMS INC COM 009158106 286 6695 SH DEFINED 5160 260 1275 ALBEMARLE CORP COM 012653101 3 140 SH DEFINED 0 0 140 ALBERTO CULVER CO CL B CONV 013068101 3101 61545 SH DEFINED 54755 4705 2085 ALBERTSONS INC COM 013104104 5 250 SH DEFINED 250 0 0 ALCOA INC 013817101 4386 192530SH X 1 187015 1630 3885 ALCOA INC 013817101 368 16165 SH X X 1 15385 530 250 ALCOA INC COM 013817101 22 968 SH DEFINED 268 0 700 ALLEGHENY ENERGY INC COM 017361106 21 2800 SH DEFINED 2800 0 0 ALLMERICA FINL CORP COM 019754100 18 1857 SH DEFINED 570 1287 0 ALLTEL CORP COM 020039103 116 2285 SH DEFINED 1620 490 175 AMEREN CORP COM 023608102 14 350 SH DEFINED 350 0 0 AMERICAN ELEC PWR INC COM 025537101 45 1672 SH DEFINED 1672 0 0 AMERICAN EXPRESS CO 025816109 233 6603 SH X 1 6603 AMERICAN EXPRESS CO 025816109 129 3648 SH X X 1 2898 750 AMERICAN EXPRESS CO COM 025816109 389 11028 SH DEFINED 10833 0 195 AMERICAN INTERNATIONAL GROUP INC 026874107 9581 165615SH X 1 156278 4127 5210 AMERICAN INTERNATIONAL GROUP INC 026874107 1194 20632 SH X X 1 19197 455 980 AMERICAN INTL GROUP INC COM 026874107 5226 90355 SH DEFINED 69148 11071 10136 AMERICAN ITALIAN PASTA CO CL A 027070101 504 14025 SH DEFINED 9990 220 3815 AMGEN INC 031162100 6294 130208SH X 1 126505 1028 2675 AMGEN INC 031162100 483 9984 SH X X 1 9064 300 620 AMGEN INC COM 031162100 3179 65771 SH DEFINED 56488 5820 3463 ANALOG DEVICES INC 032654105 292 12240 SH X X 1 12240 ANALOG DEVICES INC COM 032654105 383 16065 SH DEFINED 13630 560 1875 ANHEUSER BUSCH COS INC COM 035229103 729 15080 SH DEFINED 9590 3980 1510 APPLIED MATERIALS INC 038222105 3531 271027SH X 1 262527 2305 6195 APPLIED MATERIALS INC 038222105 465 35685 SH X X 1 33580 745 1360 APPLIED MATLS INC COM 038222105 26 2000 SH DEFINED 2000 0 0 ARCH CHEMICALS INC COM 03937R102 36 2000 SH DEFINED 2000 0 0 ARCH COAL INC COM 039380100 3 142 SH DEFINED 0 0 142 ARROW FINANCIAL CORP 042744102 385 12508 SH X 1 12508 ARROW FINANCIAL CORP 042744102 1668 54219 SH X X 1 54219 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 3 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) ASHLAND INC COM 044204105 2 90 SH DEFINED 0 0 90 ASPECT COMMUNICATIONS CORP COM 04523Q102 2 1000 SH DEFINED 1000 0 0 AUTOMATIC DATA PROCESSING 053015103 6147 156599SH X 1 151722 1982 2895 AUTOMATIC DATA PROCESSING 053015103 921 23460 SH X X 1 21859 1366 235 AUTOMATIC DATA PROCESSING COM 053015103 4558 116133SH DEFINED 90946 13245 11942 AVALONBAY CMNTYS INC COM 053484101 51 1310 SH DEFINED 1310 0 0 AVAYA INC COM 053499109 0 1 SH DEFINED 1 0 0 AVERY DENNISON CORP COM 053611109 2097 34342 SH DEFINED 31164 465 2713 AVON PRODS INC COM 054303102 43 800 SH DEFINED 0 0 800 BB&T CORP COM 054937107 526 14240 SH DEFINED 8750 5260 230 BP PLC SPONSORED ADR 055622104 1191 29295 SH X 1 27927 1368 BP PLC SPONSORED ADR 055622104 604 14868 SH X X 1 13250 634 984 BP P L C ADR 055622104 1125 27685 SH DEFINED 19427 4164 4094 BALDOR ELEC CO COM 057741100 37 1896 SH DEFINED 1723 0 173 BANK AMERICA CORP 060505104 701 10072 SH X 1 10072 BANK AMERICA CORP 060505104 316 4549 SH X X 1 4549 BANK OF AMERICA CORPORATION COM 060505104 272 3924 SH DEFINED 399 0 3525 BANK OF NEW YORK 064057102 4 150 SH X 1 150 BANK OF NEW YORK 064057102 230 9580 SH X X 1 9580 BANK NEW YORK INC COM 064057102 701 29303 SH DEFINED 24720 1440 3143 BANK ONE CORP 06423A103 74 2013 SH X 1 2013 BANK ONE CORP 06423A103 296 8104 SH X X 1 8104 BANK ONE CORP COM 06423A103 792 21702 SH DEFINED 332 120 21250 BANKNORTH GROUP INC NEW 06646R107 453 20036 SH X 1 20036 BANKNORTH GROUP INC NEW 06646R107 810 35835 SH X X 1 24593 2232 9010 BANKNORTH GROUP INC NEW COM 06646R107 17 770 SH DEFINED 770 0 0 BARD C R INC COM 067383109 23 400 SH DEFINED 0 0 400 BAXTER INTL INC COM 071813109 81 2900 SH DEFINED 2660 240 0 BECTON DICKINSON & CO COM 075887109 842 27451 SH DEFINED 17895 8041 1515 BED BATH & BEYOND INC COM 075896100 18 530 SH DEFINED 530 0 0 BELLSOUTH CORP 079860102 1761 68067 SH X 1 65967 2100 BELLSOUTH CORP 079860102 788 30458 SH X X 1 25426 5032 BELLSOUTH CORP COM 079860102 777 30083 SH DEFINED 15920 8203 5960 BEMIS INC COM 081437105 10 215 SH DEFINED 0 0 215 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 4 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) BERKSHIRE HATHAWAY 084670108 218 3 SH X 1 3 BERKSHIRE HATHAWAY 084670108 873 12 SH DEFINED 6 0 6 BERKSHIRE HATHAWAY CLASS B 084670207 276 114 SH X 1 93 21 BERKSHIRE HATHAWAY CLASS B 084670207 34 14 SH X X 1 14 BERKSHIRE HATHAWAY CLASS B 084670207 474 196 SH DEFINED 96 0 100 BEST BUY CO 086516101 2899 120058SH X 1 116504 1035 2519 BEST BUY CO 086516101 109 4496 SH X X 1 4051 390 55 BIOMET INC 090613100 1716 59875 SH X 1 58235 365 1275 BIOMET INC 090613100 83 2910 SH X X 1 2480 105 325 BIOMET INC COM 090613100 454 15850 SH DEFINED 10825 800 4225 BLACK HILLS CORP 092113109 22 842 SH DEFINED 842 0 0 BOEING CO 097023105 64 1944 SH X 1 1944 BOEING CO 097023105 483 14644 SH X X 1 516 1 4128 BOEING CO COM 097023105 79 2400 SH DEFINED 1300 0 1100 BOSTON PROPERTIES INC 101121101 60 1652 SH DEFINED 1652 0 0 BRISTOL MYERS SQUIBB CO 110122108 578 24950 SH X 1 24950 BRISTOL MYERS SQUIBB CO 110122108 406 17523 SH X X 1 15123 400 2000 BRISTOL MYERS SQUIBB CO COM 110122108 1130 48851 SH DEFINED 31120 2640 15091 BURLINGTON NORTHERN SANTA FE 12189T104 190 7294 SH X 1 5994 1300 BURLINGTON NORTHERN SANTA FE 12189T104 155 5972 SH X X 1 1072 400 4500 BURLINGTON NORTHERN SANTE FE COM 12189T104 33 1287 SH DEFINED 900 0 387 CCBT FINL COS INC COM 12500Q102 5 200 SH DEFINED 200 0 0 CIGNA CORP 125509109 214 5200 SH X 1 5200 CIGNA CORP 125509109 51 1250 SH X X 1 1250 CIGNA CORP COM 125509109 109 2652 SH DEFINED 2352 300 0 CVS CORP COM 126650100 193 7740 SH DEFINED 7580 160 0 CADBURY SCHWEPPES PLC ADR 127209302 12 500 SH DEFINED 500 0 0 CALPINE CORP COM 131347106 75 23279 SH DEFINED 19799 80 3400 CAMDEN NATL CORP COM 133034108 2 100 SH DEFINED 0 0 100 CANADA LIFE FINANCIAL CORP COM 135113108 332 13000 SH X X 1 13000 CARDINAL HEALTH INC 14149Y108 5173 87391 SH X 1 84599 817 1975 CARDINAL HEALTH INC 14149Y108 396 6687 SH X X 1 5337 225 1125 CARDINAL HEALTH INC COM 14149Y108 3529 59635 SH DEFINED 48985 5278 5372 CATERPILLAR INC 149123101 566 12375 SH X 1 12375 CATERPILLAR INC 149123101 5 100 SH X X 1 100 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 5 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) CENDANT CORP COM 151313103 78 7490 SH DEFINED 6910 0 580 CENTRAL FINANCIAL CORP 153472105 2790 36240 SH X 1 36240 CERTEGY INC 156880106 656 26728 SH X X 1 26728 CHAMPLAIN BANK CORP COM 15871P108 356 990 SH X 1 990 CHEVRONTEXACO CORP 166764100 5140 77316 SH X 1 75626 590 1100 CHEVRONTEXACO CORP 166764100 744 11196 SH X X 1 10581 615 CHEVRONTEXACO CORP COM 166764100 1841 27701 SH DEFINED 22912 3670 1119 CHITTENDEN CORP 170228100 5428 213035SH X 1 179199 25000 8836 CHITTENDEN CORP 170228100 1886 74021 SH X X 1 49031 328 24662 CHITTENDEN CORP COM 170228100 0 12 SH DEFINED 0 0 12 CHOICEPOINT INC 170388102 971 24596 SH X X 1 24596 CHUBB CORP COM 171232101 15 288 SH DEFINED 228 60 0 CISCO SYSTEMS INC 17275R102 4199 320509SH X 1 309034 3925 7550 CISCO SYSTEMS INC 17275R102 670 51110 SH X X 1 48771 1224 1115 CISCO SYS INC COM 17275R102 755 57694 SH DEFINED 34420 5845 17429 CINTAS CORP COM 172908105 505 11060 SH DEFINED 5815 5145 100 CITIGROUP INC 172967101 8731 248116SH X 1 239071 2280 6765 CITIGROUP INC 172967101 1514 43014 SH X X 1 41829 1135 50 CITIGROUP INC COM 172967101 961 27326 SH DEFINED 25330 1733 263 COCA COLA CO 191216100 2635 60102 SH X 1 60102 COCA COLA CO 191216100 421 9603 SH X X 1 9603 COCA COLA CO COM 191216100 1223 27900 SH DEFINED 15061 5169 7670 COLGATE PALMOLIVE CO 194162103 1316 25107 SH X 1 25107 COLGATE PALMOLIVE CO 194162103 86 1649 SH X X 1 1649 COLGATE PALMOLIVE CO COM 194162103 256 4886 SH DEFINED 1250 2600 1036 COMCAST CORP CL A COM 20030N101 42 1795 SH DEFINED 996 558 241 COMERICA INC COM 200340107 129 3000 SH DEFINED 3000 0 0 COMMUNITY SERVICE TELEPHONE CO 20404P203 84 13250 SH X 1 13250 CONAGRA FOODS INC COM 205887102 140 5620 SH DEFINED 5370 250 0 CONCORD EFS INC 206197105 23 1510 SH DEFINED 0 475 1035 CONOCOPHILLIPS COM 20825C104 29 600 SH DEFINED 600 0 0 CONSOLIDATED EDISON INC COM 209115104 87 2042 SH DEFINED 2042 0 0 COPART INC COM 217204106 21 1840 SH DEFINED 1340 500 0 CORNING INC COM 219350105 4 1500 SH DEFINED 0 1500 0 DPL INC 233293109 155 10131 SH X 1 10131 DPL INC 233293109 3 200 SH X X 1 200 DPL INC COM 233293109 25 1687 SH DEFINED 1687 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 6 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) DANAHER CORP 235851102 6943 105672SH X 1 101334 1733 2605 DANAHER CORP 235851102 676 10285 SH X X 1 9530 285 470 DEAN FOODS CO NEW COM 242370104 201 5430 SH DEFINED 4465 0 965 DEERE & CO COM 244199105 27 600 SH DEFINED 0 600 0 DEL MONTE FOODS CO COM 24522P103 14 1840 SH DEFINED 1805 0 35 DELL COMPUTER CORP COM 247025109 45 1700 SH DEFINED 0 0 1700 DELPHI CORPORATION 247126105 5 629 SH DEFINED 0 629 0 DENTSPLY INTL INC NEW COM 249030107 374 10067 SH DEFINED 9247 0 820 DIEBOLD INC COM 253651103 465 11295 SH DEFINED 9570 675 1050 DISNEY (WALT) COMPANY HOLDING CO 254687106 183 11225 SH X 1 10625 600 DISNEY (WALT) COMPANY HOLDING CO 254687106 41 2500 SH X X 1 1600 900 DISNEY (WALT) COMPANY 254687106 88 5453 SH DEFINED 3547 0 1906 DOLLAR GEN CORP COM 256669102 1102 92243 SH DEFINED 66873 15172 10198 DOMINION RES INC VA NEW 25746U109 2990 54465 SH X 1 52860 345 1260 DOMINION RES INC VA NEW 25746U109 257 4674 SH X X 1 3854 605 215 DOMINION RES INC VA NEW COM 25746U109 218 3977 SH DEFINED 3210 0 767 DONNELLEY R R & SONS CO COM 257867101 3 165 SH DEFINED 165 0 0 DOVER CORP COM 260003108 111 3830 SH DEFINED 640 2800 390 DOW CHEMICAL CO 260543103 654 22018 SH X 1 20407 1611 DOW CHEMICAL CO 260543103 82 2775 SH X X 1 2775 DOW CHEM CO COM 260543103 277 9330 SH DEFINED 8430 900 0 DUPONT E I DE NEMOURS & CO 263534109 1304 30765 SH X 1 30765 DUPONT E I DE NEMOURS & CO 263534109 479 11289 SH X X 1 11289 DU PONT E I DE NEMOURS & CO COM 263534109 614 14495 SH DEFINED 13355 930 210 DUKE ENERGY CORP 264399106 3168 162105SH X 1 155785 2835 3485 DUKE ENERGY CORP 264399106 293 14998 SH X X 1 13088 1265 645 DUKE ENERGY CORP COM 264399106 144 7396 SH DEFINED 6714 0 682 EMC CORP 268648102 2594 422417SH X 1 407217 4510 10690 EMC CORP 268648102 134 21890 SH X X 1 18475 1530 1885 EMC CORP MASS COM 268648102 12 2060 SH DEFINED 60 0 2000 EASTMAN KODAK CO 277461109 145 4129 SH X 1 1629 2500 EASTMAN KODAK CO 277461109 71 2035 SH X X 1 2035 EASTMAN KODAK CO COM 277461109 2 82 SH DEFINED 82 0 0 EATERIES INC COM 277851101 1 1000 SH DEFINED 0 0 1000 ECOLAB INC COM 278865100 1958 39558 SH DEFINED 30175 7368 2015 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 7 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) EDO CORP COM 281347104 22 1103 SH DEFINED 1103 0 0 EL PASO CORP COM 28336L109 24 3480 SH DEFINED 3480 0 0 ELAN PLC ADR 284131208 3 1300 SH DEFINED 1000 0 300 ELECTRONIC DATA SYS NEW COM 285661104 64 3505 SH DEFINED 3455 0 50 EMERSON ELECTRIC CO 291011104 402 7913 SH X 1 7913 EMERSON ELECTRIC CO 291011104 212 4165 SH X X 1 2365 1800 EMERSON ELEC CO COM 291011104 2172 42726 SH DEFINED 34771 5135 2820 ENERGEN CORP COM 29265N108 124 4280 SH DEFINED 2680 1600 0 ENERGY EAST CORP 29266M109 349 15780 SH X 1 15780 ENERGY EAST CORP 29266M109 163 7374 SH X X 1 7374 ENTRAVISION COMM CORP CL A 29382R107 200 20000 SH X 1 20000 EQUIFAX INC 294429105 8 350 SH X 1 350 EQUIFAX INC 294429105 1251 54057 SH X X 1 54057 EQUIFAX INC COM 294429105 114 4930 SH DEFINED 4930 0 0 EXELON CORP COM 30161N101 18 350 SH DEFINED 350 0 0 EXELIXIS INC COM 30161Q104 0 50 SH DEFINED 0 50 0 EXXON MOBIL CORP 30231G102 19762 565600SH X 1 559200 1545 4855 EXXON MOBIL CORP 30231G102 4889 139933SH X X 1 123411 12682 3840 EXXON MOBIL CORP 30231G102 6302 180427SH DEFINED 118141 24480 37806 FPL GROUP INC 302571104 406 6760 SH X 1 6760 FPL GROUP INC 302571104 119 1975 SH X X 1 1575 400 FPL GROUP INC COM 302571104 42 700 SH DEFINED 400 300 0 FAIRCHILD SEMICONDUCTOR INTLCL A 303726103 14 1320 SH DEFINED 1320 0 0 FAMILY DLR STORES INC COM 307000109 357 11465 SH DEFINED 8465 790 2210 FEDERAL HOME LN MTG CORP COM 313400301 39 675 SH DEFINED 675 0 0 FANNIE MAE 313586109 8569 133201SH X 1 129766 965 2470 FANNIE MAE 313586109 1251 19445 SH X X 1 19055 365 25 FANNIE MAE COM 313586109 5089 79114 SH DEFINED 64498 8065 6551 FEDERAL SIGNAL CORP COM 313855108 99 5115 SH DEFINED 4800 0 315 FIRST BRANDON NATIONAL BANK 319351102 2245 160350SH X X 1 160350 FIRST CMNTY BANCSHARES INC NCOM 31983A103 36 1203 SH DEFINED 0 1203 0 FIRST DATA CORP 319963104 6773 191274SH X 1 185474 1720 4080 FIRST DATA CORP 319963104 442 12475 SH X X 1 11445 585 445 FIRST DATA CORP COM 319963104 799 22571 SH DEFINED 13965 4720 3886 FIRST NATIONAL LINCOLN CORP COM 335716106 310 9868 SH DEFINED 100 5000 4768 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 8 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) FLEETBOSTON FINANCIAL CORP 339030108 449 18471 SH X 1 18471 FLEETBOSTON FINANCIAL CORP 339030108 142 5848 SH X X 1 5848 FLEETBOSTON FINL CORP COM 339030108 419 17289 SH DEFINED 7261 10028 0 FORD MTR CO DEL COM 345370860 16 1778 SH DEFINED 1048 0 730 FOREST LABS INC 345838106 4730 48158 SH X 1 46963 370 825 FOREST LABS INC 345838106 237 2415 SH X X 1 2205 200 10 FORTUNE BRANDS INC COM 349631101 359 7730 SH DEFINED 7300 100 330 FREEPORT-MCMORAN COPPER & GOCL B 35671D857 52 3117 SH DEFINED 0 0 3117 FULTON FINL CORP PA COM 360271100 132 7505 SH DEFINED 7505 0 0 GATX CORP COM 361448103 59 2618 SH DEFINED 1738 500 380 GANNETT INC 364730101 6819 94978 SH X 1 93253 435 1290 GANNETT INC 364730101 2455 34192 SH X X 1 33487 685 20 GANNETT INC COM 364730101 3693 51449 SH DEFINED 44906 2865 3678 GENERAL DYNAMICS CORP 369550108 5706 71886 SH X 1 69756 540 1590 GENERAL DYNAMICS CORP 369550108 356 4480 SH X X 1 4020 140 320 GENERAL ELECTRIC 369604103 17623 723727SH X 1 712737 4445 6545 GENERAL ELECTRIC 369604103 4957 203593SH X X 1 180304 19034 4255 GENERAL ELECTRIC 369604103 6346 260726SH DEFINED 176784 27882 56060 GENERAL MLS INC COM 370334104 523 11150 SH DEFINED 4750 3000 3400 GENERAL MOTORS CORP 370442105 270 7316 SH X 1 7316 GENERAL MOTORS CORP 370442105 131 3563 SH X X 1 3187 376 GENERAL MTRS CORP COM 370442105 33 900 SH DEFINED 0 900 0 GENTEX CORP COM 371901109 1280 40490 SH DEFINED 28047 7730 4713 GENUINE PARTS CO COM 372460105 655 21296 SH DEFINED 11002 9154 1140 GILLETTE CO 375766102 74 2436 SH X 1 2236 200 GILLETTE CO 375766102 317 10431 SH X X 1 8931 1500 GILLETTE CO COM 375766102 68 2245 SH DEFINED 2145 0 100 GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 269 7193 SH X 1 7193 GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 59 1564 SH X X 1 995 569 GLAXOSMITHKLINE PLC SPONS ADR 37733W105 51 1365 SH DEFINED 910 0 455 HALLIBURTON CO COM 406216101 14 800 SH DEFINED 0 800 0 HARLEY-DAVIDSON INC 412822108 3676 79567 SH X 1 76227 1510 1830 HARLEY-DAVIDSON INC 412822108 277 6000 SH X X 1 5815 185 HARRIS CORP DEL COM 413875105 52 2000 SH DEFINED 2000 0 0 HARSCO CORP COM 415864107 7 220 SH DEFINED 220 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 9 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) HAWAIIAN ELEC INDUSTRIES COM 419870100 4 100 SH DEFINED 100 0 0 HEINZ H.J. CO 423074103 233 7085 SH X 1 7085 HEINZ H.J. CO 423074103 43 1300 SH X X 1 1000 300 HEINZ H J CO COM 423074103 136 4140 SH DEFINED 4060 0 80 HERSHEY FOODS CORP 427866108 486 7200 SH X 1 7200 HERSHEY FOODS CORP 427866108 54 800 SH X X 1 400 400 HEWLETT PACKARD CO 428236103 143 8221 SH X 1 8221 HEWLETT PACKARD CO 428236103 50 2864 SH X X 1 2164 700 HEWLETT PACKARD CO COM 428236103 276 15952 SH DEFINED 2846 9106 4000 HILLENBRAND INDS INC COM 431573104 3 65 SH DEFINED 0 0 65 HOME DEPOT INC 437076102 278 11593 SH X 1 11593 HOME DEPOT INC 437076102 155 6456 SH X X 1 6456 HOME DEPOT INC COM 437076102 1522 63405 SH DEFINED 46227 9623 7555 HONEYWELL INTL INC COM 438516106 2 100 SH DEFINED 100 0 0 HUBBELL INC CL B 443510201 5 165 SH DEFINED 165 0 0 HUNTINGTON BANCSHARES INC COM 446150104 136 7320 SH DEFINED 7320 0 0 IMC GLOBAL INC COM 449669100 7 666 SH DEFINED 0 0 666 IDACORP INC 451107106 11 460 SH DEFINED 460 0 0 IDEXX LABORATORIES INC COM 45168D104 1570 47822 SH DEFINED 41190 1960 4672 ILLINOIS TOOL WORKS 452308109 197 3040 SH X 1 3040 ILLINOIS TOOL WORKS 452308109 126 1950 SH X X 1 1950 ILLINOIS TOOL WORKS INC COM 452308109 1086 16749 SH DEFINED 9395 3360 3994 IMAGISTICS INTERNATIONAL INC COM 45247T104 0 8 SH DEFINED 0 8 0 INTEL CORP 458140100 6149 394900SH X 1 383898 4042 6960 INTEL CORP 458140100 1013 65051 SH X X 1 57545 2311 5195 INTEL CORP 458140100 34117 2191266SH DEFINED 376667 1761486 53113 INTERNATIONAL BUSINESS MACHINES 459200101 13415 173091SH X 1 161946 8240 2905 INTERNATIONAL BUSINESS MACHINES 459200101 1245 16063 SH X X 1 14478 1305 280 INTERNATIONAL BUSINESS MACH COM 459200101 2259 29157 SH DEFINED 19390 5180 4587 INTERNATIONAL PAPER CO COM 460146103 43 1250 SH DEFINED 1250 0 0 INTERPUBLIC GROUP COS INC COM 460690100 514 36562 SH DEFINED 32169 920 3473 J P MORGAN CHASE & CO 46625H100 1208 50320 SH X 1 50320 J P MORGAN CHASE & CO 46625H100 391 16290 SH X X 1 15920 370 J P MORGAN CHASE & CO COM 46625H100 315 13135 SH DEFINED 10878 629 1628 JEFFERSON PILOT CORP COM 475070108 1693 44440 SH DEFINED 32835 7208 4397 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 10 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) JOHNSON & JOHNSON INC 478160104 12126 225759SH X 1 191501 30623 3635 JOHNSON & JOHNSON INC 478160104 2765 51481 SH X X 1 44226 6980 275 JOHNSON & JOHNSON COM 478160104 4869 90683 SH DEFINED 62759 8930 18994 JONES APPAREL GROUP INC COM 480074103 184 5195 SH DEFINED 3205 0 1990 KELLOGG CO COM 487836108 68 2000 SH DEFINED 2000 0 0 KEYCORP NEW COM 493267108 67 2700 SH DEFINED 2300 0 400 KEYSPAN CORP COM 49337W100 24 700 SH DEFINED 700 0 0 KIMBERLY CLARK CORP 494368103 146 3074 SH X 1 3044 30 KIMBERLY CLARK CORP 494368103 98 2072 SH X X 1 1572 500 KIMBERLY CLARK CORP COM 494368103 614 12955 SH DEFINED 9085 3300 570 KINDER MORGAN ENERGY PARTNER LP 494550106 34 972 SH DEFINED 0 972 0 KINDER MORGAN INC KANS COM 49455P101 6 150 SH DEFINED 150 0 0 KROGER CORP 501044101 4286 277411SH X 1 268696 2305 6410 KROGER CORP 501044101 276 17865 SH X X 1 15275 1015 1575 LANDAMERICA FINL GROUP INC COM 514936103 5 165 SH DEFINED 0 0 165 LEGGETT & PLATT INC COM 524660107 12 550 SH DEFINED 550 0 0 LEHMAN BROS HLDGS INC COM 524908100 19 360 SH DEFINED 360 0 0 LILLY ELI & CO 532457108 402 6335 SH X 1 6335 LILLY ELI & CO 532457108 127 2000 SH X X 1 2000 LILLY ELI & CO COM 532457108 38 600 SH DEFINED 600 0 0 LOWES COMPANIES INC 548661107 5857 156185SH X 1 151620 895 3670 LOWES COMPANIES INC 548661107 682 18191 SH X X 1 16926 330 935 LOWES COS INC COM 548661107 58 1550 SH DEFINED 150 0 1400 LUCENT TECHNOLOGIES INC COM 549463107 1 1113 SH DEFINED 841 0 272 LUXOTTICA GROUP S P A ADR 55068R202 345 25320 SH DEFINED 13825 11210 285 MBIA INC 55262C100 250 5700 SH X 1 5700 MBIA INC 55262C100 105 2400 SH X X 1 600 900 900 MBIA INC COM 55262C100 358 8169 SH DEFINED 3569 4030 570 MBNA CORP 55262L100 6517 342637SH X 1 331068 3476 8093 MBNA CORP 55262L100 321 16858 SH X X 1 15733 1030 95 MBNA CORPORATION 55262L100 2 150 SH DEFINED 0 0 150 MDU RES GROUP INC COM 552690109 41 1590 SH DEFINED 1590 0 0 MARSH & MCLENNAN COS INC COM 571748102 2419 52380 SH DEFINED 48380 600 3400 MARSHALL & ILSLEY CORP 571834100 257 9400 SH X 1 9400 MARRIOTT INTERNATIONAL CL A 571903202 203 6162 SH X 1 6162 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 11 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) MASCO CORP COM 574599106 266 12650 SH DEFINED 10130 1905 615 MATTEL INC COM 577081102 210 11000 SH DEFINED 11000 0 0 MAXWELL TECHNOLOGIES INC COM 577767106 3 500 SH DEFINED 0 500 0 MAY DEPT STORES CO COM 577778103 19 858 SH DEFINED 0 858 0 MCCORMICK & CO INC COM 579780206 264 11415 SH DEFINED 3955 7460 0 MCDONALDS CORP COM 580135101 104 6500 SH DEFINED 2000 0 4500 MCGRAW HILL COMPANIES INC 580645109 183 3025 SH X 1 3025 MCGRAW HILL COMPANIES INC 580645109 230 3800 SH X X 1 3800 MCGRAW HILL COMPANIES INC COM 580645109 406 6735 SH DEFINED 6435 250 50 MEADWESTVACO CORP 583334107 14 570 SH DEFINED 470 0 100 MEDTRONIC INC 585055106 5880 128955SH X 1 124122 1903 2930 MEDTRONIC INC 585055106 665 14587 SH X X 1 11992 320 2275 MEDTRONIC INC COM 585055106 27 600 SH DEFINED 0 0 600 MELLON FINL CORP COM 58551A108 887 34002 SH DEFINED 30432 920 2650 MERCHANTS BANCSHARES INC 588448100 301 13336 SH X 1 13336 MERCHANTS BANCSHARES INC 588448100 104 4596 SH X X 1 4596 MERCK & CO INC 589331107 3276 57872 SH X 1 43386 14261 225 MERCK & CO INC 589331107 898 15866 SH X X 1 12766 3100 MERCK & CO INC COM 589331107 3606 63704 SH DEFINED 42371 11670 9663 MERRILL LYNCH & CO INC 590188108 7132 187935SH X 1 181808 1837 4290 MERRILL LYNCH & CO INC 590188108 423 11145 SH X X 1 10290 515 340 MERRILL LYNCH & CO INC COM 590188108 28 750 SH DEFINED 750 0 0 METLIFE INC COM 59156R108 415 15350 SH DEFINED 15350 0 0 MICROSOFT CORP 594918104 8936 172846SH X 1 167431 2195 3220 MICROSOFT CORP 594918104 1008 19491 SH X X 1 14666 2185 2640 MICROSOFT CORP COM 594918104 4123 79761 SH DEFINED 56987 7870 14904 MID-AMER APT CMNTYS INC COM 59522J103 8 328 SH DEFINED 0 0 328 MOLEX INC COM 608554101 187 8140 SH DEFINED 7250 400 490 MONSANTO CO NEW COM 61166W101 20 1070 SH DEFINED 425 645 0 MORGAN STANLEY 617446448 24 608 SH DEFINED 608 0 0 MOTOROLA INC COM 620076109 59 6832 SH DEFINED 0 3976 2856 NATIONAL CITY CORPORATION COM 635405103 146 5380 SH DEFINED 4740 640 0 NATIONAL FUEL GAS CO N J COM 636180101 13 650 SH DEFINED 650 0 0 NEW JERSEY RES COM 646025106 980 31034 SH DEFINED 21597 8337 1100 NICOR INC COM 654086107 2 75 SH DEFINED 75 0 0 NOKIA CORP ADR 654902204 46 3028 SH DEFINED 1188 140 1700 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 12 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) NORTEL NETWORKS CORP NEW COM 656568102 8 5035 SH DEFINED 0 0 5035 NUCOR CORP COM 670346105 8 200 SH DEFINED 200 0 0 OGE ENERGY CORP COM 670837103 38 2200 SH DEFINED 200 2000 0 OM GROUP INC COM 670872100 2 295 SH DEFINED 295 0 0 OLIN CORP COM 680665205 62 4000 SH DEFINED 4000 0 0 OMNICOM GROUP INC COM 681919106 3252 50348 SH DEFINED 42213 5590 2545 ORACLE CORPORATION 68389X105 3586 332073SH X 1 320538 3360 8175 ORACLE CORPORATION 68389X105 236 21883 SH X X 1 20968 915 ORACLE CORP COM 68389X105 16 1500 SH DEFINED 1500 0 0 PNC FINANCIAL SERVICES GROUP 693475105 67 1600 SH X 1 1600 PNC FINANCIAL SERVICES GROUP 693475105 226 5390 SH X X 1 5390 PNC FINL SVCS GROUP INC COM 693475105 74 1776 SH DEFINED 1776 0 0 PPG INDS INC COM 693506107 40 800 SH DEFINED 0 0 800 PALL CORP COM 696429307 58 3500 SH DEFINED 3500 0 0 PATTERSON DENTAL CO COM 703412106 30 700 SH DEFINED 700 0 0 PENNEY J C INC COM 708160106 27 1200 SH DEFINED 0 0 1200 PEPSICO INC 713448108 8229 194912SH X 1 188962 1370 4580 PEPSICO INC 713448108 1073 25420 SH X X 1 20995 1185 3240 PEPSICO INC 713448108 7433 176064SH DEFINED 152002 10137 13925 PFIZER INC 717081103 8660 283296SH X 1 275824 2652 4820 PFIZER INC 717081103 1912 62540 SH X X 1 54437 4080 4023 PFIZER INC 717081103 6317 206742SH DEFINED 166930 22182 17630 PHARMACIA CORPORATION 71713U102 172 4110 SH X 1 4110 PHARMACIA CORPORATION 71713U102 504 12060 SH X X 1 12060 PHARMACIA CORP COM 71713U102 367 8785 SH DEFINED 5000 3785 0 PHILADELPHIA SUBN CORP COM 718009608 9 450 SH DEFINED 450 0 0 PHILIP MORRIS COMPANIES INC 718154107 1021 25183 SH X 1 25183 PHILIP MORRIS COMPANIES INC 718154107 136 3350 SH X X 1 3350 PHILIP MORRIS COS INC COM 718154107 121 3000 SH DEFINED 1800 0 1200 PIEDMONT NAT GAS INC COM 720186105 269 7615 SH DEFINED 6655 230 730 PITNEY BOWES INC COM 724479100 1487 45545 SH DEFINED 30870 10120 4555 PLUM CREEK TIMBER CO INC COM 729251108 45 1930 SH DEFINED 1930 0 0 PRAXAIR INC 74005P104 6040 104551SH X 1 100111 1880 2560 PRAXAIR INC 74005P104 508 8785 SH X X 1 8375 240 170 PRICE T ROWE GROUP INC COM 74144T108 1396 51229 SH DEFINED 42956 1750 6523 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 13 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) PROCTER & GAMBLE CO 742718109 7874 91619 SH X 1 88044 1795 1780 PROCTER & GAMBLE CO 742718109 972 11314 SH X X 1 11014 160 140 PROCTER & GAMBLE CO COM 742718109 2646 30796 SH DEFINED 18811 6140 5845 PROGRESS ENERGY INC COM 743263105 60 1400 SH DEFINED 200 800 400 PRUDENTIAL FINL INC COM 744320102 1 53 SH DEFINED 0 53 0 PUBLIC SVC ENTERPRISE GROUP INC COM 744573106 42 1325 SH DEFINED 1325 0 0 PUBLIC STORAGE INC 74460D109 51 1607 SH DEFINED 1607 0 0 PUGET ENERGY INC NEW COM 745310102 13 600 SH DEFINED 0 0 600 QWEST COMMUNICATIONS INTL INCOM 749121109 11 2353 SH DEFINED 1786 567 0 RPM INTERNATIONAL INC COM 749685103 38 2487 SH DEFINED 1362 1125 0 RAYTHEON CO COM 755111507 12 400 SH DEFINED 400 0 0 ROYAL DUTCH PETROLEUM 780257804 525 11930 SH X 1 11930 ROYAL DUTCH PETROLEUM 780257804 338 7676 SH X X 1 7676 ROYAL DUTCH PETROLEUM CO 780257804 480 10924 SH DEFINED 7859 2248 817 SBC COMMUNICATIONS INC 78387G103 1826 67364 SH X 1 66475 889 SBC COMMUNICATIONS INC 78387G103 1046 38567 SH X X 1 32660 5907 SBC COMMUNICATIONS INC COM 78387G103 2246 82883 SH DEFINED 58727 7754 16402 SLM CORPORATION 78442P106 523 5040 SH DEFINED 2660 2310 70 SARA LEE CORP 803111103 131 5800 SH X 1 5800 SARA LEE CORP 803111103 100 4450 SH X X 1 4450 SARA LEE CORP COM 803111103 608 27030 SH DEFINED 15865 1755 9410 SCANA CORP NEW COM 80589M102 21 680 SH DEFINED 380 300 0 SCHERING-PLOUGH CORP 806605101 253 11400 SH X 1 11400 SCHERING-PLOUGH CORP 806605101 36 1644 SH X X 1 1644 SCHERING PLOUGH CORP COM 806605101 1070 48238 SH DEFINED 35004 4960 8274 SCHLUMBERGER LIMITED 806857108 3625 86136 SH X 1 82829 1287 2020 SCHLUMBERGER LIMITED 806857108 383 9095 SH X X 1 8925 150 20 SCHLUMBERGER LIMITED COM 806857108 219 5220 SH DEFINED 1350 520 3350 SCHWAB CHARLES CORP 808513105 35 3190 SH X 1 3190 SCHWAB CHARLES CORP 808513105 74 6865 SH X X 1 6865 SCHWAB CHARLES CORP NEW COM 808513105 10 1000 SH DEFINED 1000 0 0 SEALED AIR CORP NEW COM 81211K100 1 40 SH DEFINED 0 40 0 SHERWIN WILLIAMS CO COM 824348106 352 12485 SH DEFINED 5925 6480 80 J M SMUCKER CO 832696405 11 284 SH DEFINED 151 81 52 SONOCO PRODS CO COM 835495102 22 965 SH DEFINED 965 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 14 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) SOUTHERN CO COM 842587107 88 3132 SH DEFINED 2000 800 332 SOUTHERN UN CO NEW COM 844030106 30 1850 SH DEFINED 0 0 1850 SOUTHWEST AIRLS CO 844741108 1620 116566SH DEFINED 101588 3100 11878 STANLEY WKS COM 854616109 51 1500 SH DEFINED 1500 0 0 STAPLES INC COM 855030102 51 2820 SH DEFINED 2500 0 320 STATE STREET CORP 857477103 5023 128803SH X 1 125153 1030 2620 STATE STREET CORP 857477103 330 8466 SH X X 1 6970 270 1226 STATE STR CORP COM 857477103 4355 111691SH DEFINED 91394 14418 5879 SUN MICROSYSTEMS 866810104 6 2205 SH DEFINED 1190 0 1015 SUNGARD DATA SYS INC 867363103 3160 134188SH DEFINED 110748 10290 13150 SUNTRUST BKS INC COM 867914103 2206 38765 SH DEFINED 30670 4950 3145 SUPERVALU INC COM 868536103 77 4720 SH DEFINED 4720 0 0 SUSQUEHANNA BANCSHARES INC PCOM 869099101 73 3512 SH DEFINED 3512 0 0 SYSCO CORP 871829107 6741 226284SH X 1 213839 4065 8380 SYSCO CORP 871829107 735 24663 SH X X 1 23400 923 340 SYSCO CORP 871829107 5006 168063SH DEFINED 127174 17060 23829 TECO ENERGY INC 872375100 61 3975 SH X 1 3975 TECO ENERGY INC 872375100 116 7500 SH X X 1 7500 TECO ENERGY INC COM 872375100 45 2970 SH DEFINED 2370 0 600 TXU CORP COM 873168108 1 100 SH DEFINED 100 0 0 TARGET CORP 87612E106 4800 159992SH X 1 153032 1330 5630 TARGET CORP 87612E106 488 16280 SH X X 1 14340 400 1540 TARGET CORP COM 87612E106 68 2280 SH DEFINED 900 0 1380 TELECOM CORP NEW ZEALAND LTDADR 879278208 15 800 SH DEFINED 800 0 0 TEXAS INSTRS INC COM 882508104 1 100 SH DEFINED 0 0 100 3M CO 88579Y101 1930 15654 SH X 1 15654 3M CO 88579Y101 456 3696 SH X X 1 3696 3M CO COM 88579Y101 1786 14489 SH DEFINED 8519 1796 4174 TRAVELERS PROPERTY CASUALTY CL A 89420G109 14 989 SH DEFINED 936 43 10 TRAVELERS PROPERTY CASUALTY CL B 89420G406 29 2035 SH DEFINED 1922 91 22 TRIBUNE COMPANY 896047107 123 2720 SH DEFINED 2480 240 0 TYCO INTL LTD NEW COM 902124106 23 1400 SH DEFINED 800 0 600 UIL HLDG CORP COM 902748102 3 100 SH DEFINED 100 0 0 US BANCORP DEL COM 902973304 365 17221 SH DEFINED 17071 150 0 U S ONCOLOGY INC 90338W103 4 500 SH DEFINED 500 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 15 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) UNILEVER NV 904784709 165 2670 SH X 1 2670 UNILEVER NV 904784709 101 1635 SH X X 1 1635 UNILEVER NV 904784709 86 1410 SH DEFINED 1360 50 0 UNION PACIFIC CORP 907818108 262 4375 SH X 1 3575 800 UNION PACIFIC CORP 907818108 202 3375 SH X X 1 725 250 2400 UNION PACIFIC CORP 907818108 47 800 SH DEFINED 800 0 0 UNITED PARCEL SERVICE INC CL B 911312106 3885 61592 SH DEFINED 54720 1547 5325 UNITED TECHNOLOGIES CORP 913017109 4992 80599 SH X 1 78034 710 1855 UNITED TECHNOLOGIES CORP 913017109 292 4715 SH X X 1 4490 225 UNITED TECHNOLOGIES CORP COM 913017109 279 4520 SH DEFINED 1020 3200 300 UNITEDHEALTH GROUP INC COM 91324P102 829 9933 SH DEFINED 9360 73 500 UNITIL CORP COM 913259107 396 16000 SH DEFINED 0 0 16000 UNIVERSAL CORP VA COM 913456109 25 700 SH DEFINED 0 0 700 UNOCAL CORP COM 915289102 7 244 SH DEFINED 0 244 0 UNUMPROVIDENT CORP COM 91529Y106 1374 78417 SH DEFINED 66629 2783 9005 VECTREN CORP COM 92240G101 15 694 SH DEFINED 560 0 134 VERIZON COMMUNICATIONS 92343V104 10642 274641SH X 1 266701 1795 6145 VERIZON COMMUNICATIONS 92343V104 2171 56016 SH X X 1 48327 5607 2082 VERIZON COMMUNICATIONS COM 92343V104 3162 81614 SH DEFINED 53112 13914 14588 VIACOM INC CL B NON-VOTING 925524308 4572 112169SH X 1 107905 1077 3187 VIACOM INC CL B NON-VOTING 925524308 378 9268 SH X X 1 8728 310 230 VIACOM INC CL B 925524308 12 300 SH DEFINED 300 0 0 VODAFONE GROUP PLC 92857W100 199 10965 SH X 1 10965 VODAFONE GROUP PLC 92857W100 27 1511 SH X X 1 1511 VODAFONE GROUP PLC 92857W100 70 3879 SH DEFINED 1500 755 1624 VULCAN MATLS CO COM 929160109 48 1305 SH DEFINED 1305 0 0 WACHOVIA CORP 929903102 269 7369 SH X 1 7369 WACHOVIA CORP 2ND NEW COM 929903102 93 2555 SH DEFINED 1980 175 400 WAL-MART STORES INC 931142103 4832 95663 SH X 1 92520 693 2450 WAL-MART STORES INC 931142103 609 12065 SH X X 1 11660 190 215 WAL MART STORES INC COM 931142103 491 9741 SH DEFINED 6051 0 3690 WALGREEN CO 931422109 544 18650 SH X 1 18650 WALGREEN CO 931422109 108 3700 SH X X 1 3300 400 WALGREEN CO COM 931422109 3784 129697SH DEFINED 98422 12180 19095 WASHINGTON MUT INC COM 939322103 10 300 SH DEFINED 300 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 16 ASSETS AS OF 12/31/02 - - - - - COLUMN 1 AND 2 - - - - - COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT/ SOLE SHR OTHER SOLE SHARED NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) WASTE MGMT INC DEL COM 94106L109 490 21402 SH DEFINED 18967 1210 1225 WAYPOINT FINL CORP COM 946756103 133 7500 SH DEFINED 7500 0 0 WELLS FARGO & CO NEW 949746101 6913 147498SH X 1 142743 1400 3355 WELLS FARGO & CO NEW 949746101 704 15025 SH X X 1 14675 350 WELLS FARGO & CO NEW COM 949746101 191 4085 SH DEFINED 2435 1000 650 WEYERHAEUSER CO COM 962166104 24 500 SH DEFINED 0 0 500 WHOLE FOODS MKT INC COM 966837106 342 6490 SH DEFINED 5130 370 990 WILLIAMS COS INC COM 969457100 0 330 SH DEFINED 330 0 0 WILMINGTON TRUST CORP COM 971807102 740 23378 SH DEFINED 14408 7680 1290 WORLDCOM INC GA NEW MCI GROUP COM 98157D304 0 48 SH DEFINED 0 0 48 WYETH 983024100 2016 53893 SH X 1 52293 1600 WYETH 983024100 1110 29674 SH X X 1 22674 5500 1500 WYETH 983024100 1264 33830 SH DEFINED 16673 7187 9970 XCEL ENERGY INC COM 98389B100 33 3085 SH DEFINED 2600 485 0 ZIMMER HLDGS INC COM 98956P102 82 1981 SH DEFINED 1020 231 730 ZWEIG FD COM 989834106 9 1877 SH DEFINED 0 0 1877

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