13F-HR 1 a13f0603.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 OCEAN NATIONAL BANK- 5 FORM 13F INFORMATION TABLE

CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 1 ASSETS AS OF 03/31/03 - - - 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 SHARE 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 38 2895 SH DEFINED 2895 0 0 AOL TIME WARNER INC COM 00184A105 10 1000 SH DEFINED 1000 0 0 AT&T CORP NEW COM 001957505 10 633 SH DEFINED 377 256 0 AT&T WIRELESS SVCS INC COM 00209A106 4 684 SH DEFINED 272 412 0 ABBOTT LABS 002824100 822 21843 SH X 1 20733 1110 ABBOTT LABS 002824100 605 16099 SH X X 1 15599 500 ABBOTT LAB COM 002824100 1144 30444 SH DEFINED 24424 4360 1660 ABERCROMBIE & FITCH CO CL A 002896207 7 260 SH DEFINED 260 0 0 AEGON N V ORD AMER REG 007924103 1 176 SH DEFINED 176 0 0 AETNA INC NEW COM 00817Y108 3 80 SH DEFINED 80 0 0 AGERE SYS INC CL B 00845V209 0 10 SH DEFINED 10 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 2 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) AIR PRODS & CHEMS IN COM 009158106 271 6545 SH DEFINED 5010 260 1275 ALBEMARLE CORP COM 012653101 3 140 SH DEFINED 0 0 140 ALBERTO CULVER CO CL B CONV 013068101 2631 53410 SH DEFINED 46640 4705 2065 ALBERTSONS INC COM 013104104 4 250 SH DEFINED 250 0 0 ALCOA INC 013817101 3301 170305SH X 1 164800 1695 3810 ALCOA INC 013817101 258 13305 SH X X 1 12465 600 240 ALCOA INC COM 013817101 18 968 SH DEFINED 268 0 700 ALLEGHENY ENERGY INC COM 017361106 17 2800 SH DEFINED 2800 0 0 ALLMERICA FINL CORP COM 019754100 26 1857 SH DEFINED 570 1287 0 ALLTEL CORP COM 020039103 89 2005 SH DEFINED 1340 490 175 ALTRIA GROUP INC 02209S103 754 25183 SH X 1 25183 ALTRIA GROUP INC 02209S103 100 3350 SH X X 1 3350 ALTRIA GROUP INC COM 02209S103 89 3000 SH DEFINED 1800 0 1200 AMEREN CORP COM 023608102 13 350 SH DEFINED 350 0 0 AMERICAN ELEC PWR INC COM 025537101 24 1052 SH DEFINED 1052 0 0 AMERICAN EXPRESS CO 025816109 258 7755 SH X 1 7755 AMERICAN EXPRESS CO 025816109 121 3648 SH X X 1 2898 750 AMERICAN EXPRESS CO COM 025816109 366 11028 SH DEFINED 10833 0 195 AMERICAN IDC CORP 02672M104 0 10000 SH X 1 10000 AMERICAN INTERNATIONAL GROUP 026874107 8347 16878 SH X 1 159190 4152 5445 AMERICAN INTERNATIONAL GROUP 026874107 1013 20490 SH X X 1 18955 555 980 AMERICAN INTL GROUP INC COM 026874107 4209 85130 SH DEFINED 63960 11171 9999 AMERICAN ITALIAN PASTA CL A 027070101 557 12890 SH DEFINED 8855 220 3815 AMGEN INC 031162100 7221 125468SH X 1 121685 1028 2755 AMGEN INC 031162100 583 10124 SH X X 1 9139 365 620 AMGEN INC COM 031162100 2907 50539 SH DEFINED 41286 5820 3433 ANALOG DEVICES INC 032654105 257 9350 SH X X 1 9350 ANALOG DEVICES INC COM 032654105 423 15405 SH DEFINED 12760 560 2085 ANHEUSER BUSCH COS INC COM 035229103 695 14930 SH DEFINED 9440 3980 1510 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 3 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) APPLIED MATERIALS INC 038222105 193 15310 SH X 1 15310 APPLIED MATERIALS INC 038222105 235 18685 SH X X 1 18685 APPLIED MATLS INC COM 038222105 25 2000 SH DEFINED 2000 0 0 ARCH CHEMICALS INC COM 03937R102 37 2000 SH DEFINED 2000 0 0 ARCH COAL INC COM 039380100 2 142 SH DEFINED 0 0 142 ARROW FINANCIAL CORP 042744102 356 12432 SH X 1 12432 ARROW FINANCIAL CORP 042744102 862 30104 SH X X 1 30104 ASHLAND INC COM 044204105 2 90 SH DEFINED 0 0 90 ASPECT COMMUNICATIONS CORP 04523Q102 3 1000 SH DEFINED 1000 0 0 AUTOMATIC DATA PROCESSING 053015103 4872 158246SH X 1 153094 2007 3145 AUTOMATIC DATA PROCESSING 053015103 693 22505 SH X X 1 21194 1076 235 AUTOMATIC DATA PROCESSING INC 053015103 3579 116268SH DEFINED 91139 13245 11884 AVALONBAY CMNTYS INC COM 053484101 48 1310 SH DEFINED 1310 0 0 AVAYA INC COM 053499109 0 1 SH DEFINED 1 0 0 AVERY DENNISON CORP COM 053611109 1833 31259 SH DEFINED 27871 465 2923 AVON PRODS INC COM 054303102 45 800 SH DEFINED 0 0 800 BB&T CORP COM 054937107 473 15075 SH DEFINED 9585 5260 230 BP PLC SPONSORED ADR 055622104 1174 30416 SH X 1 29048 1368 BP PLC SPONSORED ADR 055622104 568 14718 SH X X 1 13100 634 984 BP P L C SPONS ADR 055622104 1060 27475 SH DEFINED 19381 4164 3930 BALDOR ELEC CO COM 057741100 40 1896 SH DEFINED 1723 0 173 BANK AMERICA CORP 060505104 742 11105 SH X 1 11105 BANK AMERICA CORP 060505104 184 2749 SH X X 1 2749 BANK OF AMERICA CORPORATION 060505104 245 3674 SH DEFINED 399 0 3275 BANK OF NEW YORK 064057102 7 342 SH X 1 342 BANK OF NEW YORK 064057102 196 9580 SH X X 1 9580 BANK NEW YORK INC COM 064057102 596 29117 SH DEFINED 25074 1440 2603 BANK ONE CORP 06423A103 64 1839 SH X 1 1839 BANK ONE CORP 06423A103 247 7139 SH X X 1 7139 BANK ONE CORP COM 06423A103 725 20952 SH DEFINED 332 120 20500 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 4 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) BANKNORTH GROUP INC NEW 06646R107 398 18251 SH X 1 18251 BANKNORTH GROUP INC NEW 06646R107 375 17180 SH X X 1 5938 2232 9010 BANKNORTH GROUP INC NEW COM 06646R107 16 770 SH DEFINED 770 0 0 BAR HARBOR BANKSHARES COM 066849100 177 9450 SH DEFINED 9450 0 0 BARD C R INC COM 067383109 25 400 SH DEFINED 0 0 400 BAXTER INTL INC COM 071813109 54 2900 SH DEFINED 2660 240 0 BECTON DICKINSON & CO COM 075887109 1268 36836 SH DEFINED 26285 8871 1680 BED BATH & BEYOND INC COM 075896100 18 530 SH DEFINED 530 0 0 BELLSOUTH CORP 079860102 1350 62291 SH X 1 60191 2100 BELLSOUTH CORP 079860102 630 29060 SH X X 1 25028 4032 BELLSOUTH CORP COM 079860102 633 29253 SH DEFINED 16950 8203 4100 BEMIS INC COM 081437105 9 215 SH DEFINED 0 0 215 BERKSHIRE HATHAWAY CL A 084670108 765 12 SH DEFINED 6 0 6 BERKSHIRE HATHAWAY CLASS B 084670207 244 114 SH X 1 93 21 BERKSHIRE HATHAWAY CLASS B 084670207 30 14 SH X X 1 14 BERKSHIRE HATHAWAY CL B 084670207 429 201 SH DEFINED 101 0 100 BEST BUY CO 086516101 3246 120368SH X 1 115919 1035 3414 BEST BUY CO 086516101 126 4681 SH X X 1 4191 435 55 BIOMET INC 090613100 3526 115045SH X 1 111635 730 2680 BIOMET INC 090613100 161 5265 SH X X 1 4660 280 325 BIOMET INC COM 090613100 485 15850 SH DEFINED 10825 800 4225 BLACK HILLS CORP 092113109 23 842 SH DEFINED 842 0 0 BOEING CO 097023105 43 1714 SH X 1 1714 BOEING CO 097023105 367 14644 SH X X 1 516 14128 BOEING CO COM 097023105 60 2400 SH DEFINED 1300 0 1100 BOSTON PROPERTIES INC 101121101 62 1652 SH DEFINED 1652 0 0 BRISTOL MYERS SQUIBB CO 110122108 500 23658 SH X 1 23658 BRISTOL MYERS SQUIBB CO 110122108 242 11453 SH X X 1 9453 2000 BRISTOL MYERS SQUIBB CO 110122108 964 45646 SH DEFINED 30115 1640 13891 BURLINGTON NORTHERN SANTA FE 12189T104 141 5665 SH X 1 4365 1300 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 5 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) BURLINGTON NORTHERN SANTA FE 12189T104 134 5372 SH X X 1 472 400 4500 BURLINGTON NORTHN SANTE FE 12189T104 32 1287 SH DEFINED 900 0 387 CCBT FINL COS INC COM 12500Q102 4 200 SH DEFINED 200 0 0 CIGNA CORP 125509109 219 4780 SH X 1 4780 CIGNA CORP 125509109 57 1250 SH X X 1 1250 CIGNA CORP COM 125509109 112 2452 SH DEFINED 2152 300 0 CVS CORP COM 126650100 131 5530 SH DEFINED 5370 160 0 CADBURY SCHWEPPES PLC ADR 127209302 10 500 SH DEFINED 500 0 0 CALPINE CORP COM 131347106 22 6704 SH DEFINED 6124 80 500 CAMDEN NATL CORP COM 133034108 2 100 SH DEFINED 0 0 100 CANADA LIFE FINANCIAL CORP 135113108 384 13000 SH X X 1 13000 CARDINAL HEALTH INC 14149Y108 5134 90109 SH X 1 87172 817 2120 CARDINAL HEALTH INC 14149Y108 405 7110 SH X X 1 5700 285 1125 CARDINAL HEALTH INC COM 14149Y108 3421 60060 SH DEFINED 49130 5278 5652 CATERPILLAR INC 149123101 590 12000 SH X 1 12000 CATERPILLAR INC 149123101 5 100 SH X X 1 100 CENDANT CORP COM 151313103 95 7490 SH DEFINED 6910 0 580 CENTRAL FINANCIAL CORP 153472105 2790 36240 SH X 1 36240 CERTEGY INC 156880106 674 26728 SH X X 1 26728 CHAMPLAIN BANK CORP COM 15871P108 265 690 SH X 1 690 CHEVRONTEXACO CORP 166764100 5108 79008 SH X 1 77258 590 1160 CHEVRONTEXACO CORP 166764100 707 10936 SH X X 1 10296 640 CHEVRONTEXACO CORP COM 166764100 1834 28370 SH DEFINED 23427 3670 1273 CHITTENDEN CORP 170228100 5229 200029SH X 1 167243 25000 7786 CHITTENDEN CORP 170228100 1937 74119 SH X X 1 49129 328 24662 CHITTENDEN CORP COM 170228100 2 100 SH DEFINED 0 0 100 CHOICEPOINT INC 170388102 834 24596 SH X X 1 24596 CHUBB CORP COM 171232101 12 288 SH DEFINED 228 60 0 CISCO SYSTEMS INC 17275R102 4018 309583SH X 1 297758 3950 7875 CISCO SYSTEMS INC 17275R102 640 49280 SH X X 1 46781 1384 1115 CISCO SYS INC COM 17275R102 708 54609 SH DEFINED 30785 5845 17979 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 6 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) CINTAS CORP COM 172908105 525 15975 SH DEFINED 10625 5145 205 CITIGROUP INC 172967101 8496 246615SH X 1 237255 2305 7055 CITIGROUP INC 172967101 1476 42843 SH X X 1 41493 1300 50 CITIGROUP INC COM 172967101 982 28509 SH DEFINED 26513 1733 263 COBBLE HILL HOLDINGS CL B 19088P208 755 75455 SH X X 1 75455 COCA COLA CO 191216100 2360 58303 SH X 1 58303 COCA COLA CO 191216100 356 8803 SH X X 1 8803 COCA COLA CO COM 191216100 1120 27676 SH DEFINED 15637 5169 6870 COLGATE PALMOLIVE CO 194162103 1353 24849 SH X 1 24849 COLGATE PALMOLIVE CO 194162103 82 1499 SH X X 1 1499 COLGATE PALMOLIVE CO COM 194162103 260 4786 SH DEFINED 1150 2600 1036 COMCAST CORP CL A COM 20030N101 47 1647 SH DEFINED 848 558 241 COMERICA INC COM 200340107 113 3000 SH DEFINED 3000 0 0 COMMUNITY SERVICE TELEPHONE 20404P203 142 13250 SH X 1 13250 CONAGRA FOODS INC COM 205887102 126 6290 SH DEFINED 6040 250 0 CONSOLIDATED EDISON INC COM 209115104 78 2042 SH DEFINED 2042 0 0 COPART INC COM 217204106 2 330 SH DEFINED 330 0 0 CORNING INC COM 219350105 8 1500 SH DEFINED 0 1500 0 COSTCO WHOLESALE CORPORATION 22160K105 9 300 SH DEFINED 300 0 0 CRYO-CELL INTL INC 228895108 0 100 SH DEFINED 100 0 0 DPL INC 233293109 126 10131 SH X 1 10131 DANAHER CORP 235851102 6921 105242SH X 1 100754 1758 2730 DANAHER CORP 235851102 694 10550 SH X X 1 9730 350 470 DEAN FOODS CO NEW COM 242370104 325 7595 SH DEFINED 6010 0 1585 DEERE & CO COM 244199105 23 600 SH DEFINED 0 600 0 DEL MONTE FOODS CO COM 24522P103 12 1656 SH DEFINED 1621 0 35 DELL COMPUTER CORP COM 247025109 46 1700 SH DEFINED 0 0 1700 DELPHI CORPORATION 247126105 4 629 SH DEFINED 0 629 0 DENTSPLY INTL INC NEW COM 249030107 336 9661 SH DEFINED 8841 0 820 DIEBOLD INC COM 253651103 475 14003 SH DEFINED 11208 675 2120 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 7 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) DISNEY (WALT) COMPANY HOLDING 254687106 163 9550 SH X 1 9250 300 DISNEY (WALT) COMPANY HOLDING 254687106 32 1900 SH X X 1 1450 450 DISNEY WALT COMPANY 254687106 89 5243 SH DEFINED 3337 0 1906 DOLLAR GEN CORP COM 256669102 770 63141 SH DEFINED 48771 5402 8968 DOMINION RES INC VA NEW 25746U109 3385 61140 SH X 1 59215 345 1580 DOMINION RES INC VA NEW 25746U109 291 5264 SH X X 1 4659 390 215 DOMINION RES INC VA NEW COM 25746U109 192 3477 SH DEFINED 2710 0 767 DONNELLEY R R & SONS CO COM 257867101 3 165 SH DEFINED 165 0 0 DOVER CORP COM 260003108 92 3830 SH DEFINED 380 2800 650 DOW CHEMICAL CO 260543103 616 22303 SH X 1 20692 1611 DOW CHEMICAL CO 260543103 77 2775 SH X X 1 2775 DOW CHEM CO COM 260543103 232 8430 SH DEFINED 7530 900 0 DUPONT E I DE NEMOURS & CO 263534109 1231 31689 SH X 1 31689 DUPONT E I DE NEMOURS & CO 263534109 391 10064 SH X X 1 10064 DU PONT E I DE NEMOURS & CO 263534109 572 14745 SH DEFINED 13605 930 210 DUKE ENERGY CORP COM 264399106 107 7396 SH DEFINED 6714 0 682 EMC CORP 268648102 3109 429974SH X 1 413474 4545 11955 EMC CORP 268648102 155 21415 SH X X 1 17740 1790 1885 E M C CORP MASS COM 268648102 14 2060 SH DEFINED 60 0 2000 EASTMAN KODAK CO COM 277461109 2 82 SH DEFINED 82 0 0 EATERIES INC COM 277851101 2 1000 SH DEFINED 0 0 1000 ECOLAB INC COM 278865100 2436 49403 SH DEFINED 39420 6993 2990 EDO CORP COM 281347104 19 1103 SH DEFINED 1103 0 0 EL PASO CORP COM 28336L109 16 2720 SH DEFINED 2720 0 0 ELAN PLC ADR 284131208 3 1300 SH DEFINED 1000 0 300 ELECTRONIC DATA SYS NEW COM 285661104 169 9625 SH DEFINED 9625 0 0 EMERSON ELECTRIC CO 291011104 338 7463 SH X 1 7463 EMERSON ELECTRIC CO 291011104 148 3265 SH X X 1 2365 900 EMERSON ELEC CO COM 291011104 2322 51230 SH DEFINED 43275 5135 2820 ENERGEN CORP COM 29265N108 137 4280 SH DEFINED 2680 1600 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 8 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) ENERGY EAST CORP 29266M109 276 15510 SH X 1 15510 ENERGY EAST CORP 29266M109 131 7374 SH X X 1 7374 ENTRAVISION COMM CORP CL A 29382R107 108 20000 SH X 1 20000 EQUIFAX INC 294429105 7 350 SH X 1 350 EQUIFAX INC 294429105 1081 54057 SH X X 1 54057 EQUIFAX INC COM 294429105 101 5080 SH DEFINED 5080 0 0 EXELON CORP 30161N101 3477 68970 SH X 1 67145 115 1710 EXELON CORP 30161N101 199 3940 SH X X 1 3415 175 350 EXELON CORP COM 30161N101 17 350 SH DEFINED 350 0 0 EXELIXIS INC COM 30161Q104 0 50 SH DEFINED 0 50 0 EXXON MOBIL CORP 30231G102 18485 528904SH X 1 520834 3145 4925 EXXON MOBIL CORP 30231G102 4407 126090SH X X 1 114038 8212 3840 EXXON MOBIL CORP COM 30231G102 6297 180174SH DEFINED 121432 24480 34262 FPL GROUP INC 302571104 358 6077 SH X 1 5677 400 FPL GROUP INC 302571104 93 1575 SH X X 1 1575 FPL GROUP INC COM 302571104 53 900 SH DEFINED 600 300 0 FAIRCHILD SEMICONDUCTOR INTL 303726103 13 1320 SH DEFINED 1320 0 0 FAMILY DLR STORES INC COM 307000109 547 17715 SH DEFINED 14765 740 2210 FASTNET CORP 311877104 2 12000 SH X 1 12000 FEDERAL HOME LN MTG CORP COM 313400301 35 675 SH DEFINED 675 0 0 FANNIE MAE 313586109 8931 136669SH X 1 132999 990 2680 FANNIE MAE 313586109 1087 16640 SH X X 1 16170 445 25 FANNIE MAE COM 313586109 4769 72985 SH DEFINED 58373 8065 6547 FEDERAL SIGNAL CORP COM 313855108 22 1550 SH DEFINED 1550 0 0 FIRST BRANDON NATIONAL BANK 319351102 1491 90350 SH X X 1 90350 FIRST CMNTY BANCSHARES INC N 31983A103 39 1203 SH DEFINED 0 1203 0 FIRST DATA CORP 319963104 7137 192847SH X 1 186272 1745 4830 FIRST DATA CORP 319963104 475 12830 SH X X 1 11665 720 445 FIRST DATA CORP COM 319963104 782 21151 SH DEFINED 12545 4720 3886 FIRST NATIONAL LINCOLN CORP 335716106 335 9868 SH DEFINED 100 5000 4768 FLEETBOSTON FINANCIAL CORP 339030108 395 16560 SH X 1 16560 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 9 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) FLEETBOSTON FINANCIAL CORP 339030108 140 5848 SH X X 1 5848 FLEETBOSTON FINL CORP COM 339030108 412 17289 SH DEFINED 7261 10028 0 FORD MTR CO DEL COM 345370860 13 1778 SH DEFINED 1048 0 730 FORD MOTOR TR II CONV PFD 345395206 10 300 SH DEFINED 300 0 0 FOREST LABS INC 345838106 4984 92346 SH X 1 89631 740 1975 FOREST LABS INC 345838106 265 4905 SH X X 1 4480 405 20 FORTUNE BRANDS INC COM 349631101 397 9270 SH DEFINED 8600 340 330 FREEPORT-MCMORAN COPPER & GOCL B 35671D857 53 3117 SH DEFINED 0 0 3117 FULTON FINL CORP PA COM 360271100 141 7505 SH DEFINED 7505 0 0 GATX CORP COM 361448103 29 2060 SH DEFINED 1180 500 380 GANNETT INC 364730101 6800 96543 SH X 1 94333 460 1750 GANNETT INC 64730101 2396 34022 SH X X 1 33527 475 20 GANNETT INC COM 364730101 3398 48250 SH DEFINED 41497 3040 3713 GENERAL DYNAMICS CORP 369550108 4227 76756 SH X 1 74326 565 1865 GENERAL DYNAMICS CORP 369550108 252 4580 SH X X 1 4060 200 320 GENERAL ELECTRIC 369604103 17349 680351SH X 1 669081 4470 6800 GENERAL ELECTRIC 369604103 4598 180323SH X X 1 162854 13214 4255 GENERAL ELEC CO COM 369604103 6527 255977SH DEFINED 182490 27882 45605 GENERAL MLS INC COM 370334104 475 10435 SH DEFINED 4800 2485 3150 GENERAL MOTORS CORP 370442105 246 7316 SH X 1 7316 GENERAL MOTORS CORP 370442105 105 3122 SH X X 1 2587 535 GENERAL MTRS CORP COM 370442105 30 900 SH DEFINED 0 900 0 GENTEX CORP COM 371901109 995 39135 SH DEFINED 26692 7730 4713 GENUINE PARTS CO COM 372460105 996 32676 SH DEFINED 22082 9154 1440 GILLETTE CO 375766102 69 2236 SH X 1 2036 200 GILLETTE CO 375766102 307 9931 SH X X 1 8431 1500 GILLETTE CO COM 375766102 69 2245 SH DEFINED 2145 0 100 GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 248 7043 SH X 1 7043 GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 55 1564 SH X X 1 995 569 GLAXOSMITHKLINE PLC SPONS ADR 37733W105 48 1365 SH DEFINED 910 0 455 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 10 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) HALLIBURTON CO COM 406216101 16 800 SH DEFINED 0 800 0 HARLEY-DAVIDSON INC 412822108 3636 91567 SH X 1 87727 1510 2330 HARLEY-DAVIDSON INC 412822108 267 6735 SH X X 1 6485 250 HARMONIC INC 413160102 0 200 SH DEFINED 200 0 0 HARRIS CORP DEL COM 413875105 55 2000 SH DEFINED 2000 0 0 HARSCO CORP COM 415864107 6 220 SH DEFINED 220 0 0 HAWAIIAN ELEC INDUSTRIES COM 419870100 4 100 SH DEFINED 100 0 0 HEINZ H.J. CO 423074103 210 7185 SH X 1 7185 HEINZ H.J. CO 423074103 38 1300 SH X X 1 1000 300 HEINZ H J CO COM 423074103 174 5980 SH DEFINED 5900 0 80 HERSHEY FOODS CORP 427866108 451 7200 SH X 1 7200 HERSHEY FOODS CORP 427866108 25 400 SH X X 1 400 HEWLETT PACKARD CO COM 428236103 254 16374 SH DEFINED 3268 9106 4000 HILLENBRAND INDS INC COM 431573104 3 65 SH DEFINED 0 0 65 HOME DEPOT INC 437076102 275 11303 SH X 1 11303 HOME DEPOT INC 437076102 134 5481 SH X X 1 5481 HOME DEPOT INC COM 437076102 1514 62186 SH DEFINED 50208 4223 7755 HONEYWELL INTL INC COM 438516106 1 50 SH DEFINED 50 0 0 HUBBELL INC CL B 443510201 5 165 SH DEFINED 165 0 0 HUMATECH INC 444886105 7 10000 SH X 1 10000 HUNTINGTON BANCSHARES INC COM 446150104 156 8433 SH DEFINED 8433 0 0 IMC GLOBAL INC COM 449669100 6 666 SH DEFINED 0 0 666 IDACORP INC 451107106 10 460 SH DEFINED 460 0 0 IDEXX LABORATORIES INC COM 45168D104 1429 40872 SH DEFINED 34910 1960 4002 ILLINOIS TOOL WORKS 452308109 170 2915 SH X 1 2915 ILLINOIS TOOL WORKS 452308109 108 1850 SH X X 1 1850 ILLINOIS TOOL WORKS INC COM 452308109 1013 17434 SH DEFINED 10080 3360 3994 INTEL CORP 458140100 6330 388797SH X 1 376975 4077 7745 INTEL CORP 458140100 1055 64816 SH X X 1 57680 1941 5195 INTEL CORP COM 458140100 35333 2171707SH DEFINED 356818 1761486 53403 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 11 ASSETS AS OF 03/31/03 - - - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) INTERNATIONAL BUSINESS MACHINES 459200101 13486 171946SH X 1 161331 8265 2350 INTERNATIONAL BUSINESS MACHINES 459200101 1171 14928 SH X X 1 13288 1360 280 INTERNATIONAL BUSINESS MACH COM 459200101 2315 29520 SH DEFINED 19323 5180 5017 INTERNATIONAL PAPER CO COM 460146103 42 1250 SH DEFINED 1250 0 0 INTERPUBLIC GROUP COS INC COM 460690100 50 5465 SH DEFINED 4260 650 555 JDS UNIPHASE CORP COM 46612J101 0 65 SH DEFINED 65 0 0 J P MORGAN CHASE & CO 46625H100 1100 46400 SH X 1 46400 J P MORGAN CHASE & CO 46625H100 372 15705 SH X X 1 15335 370 J P MORGAN CHASE & CO COM 46625H100 321 13555 SH DEFINED 11298 629 1628 JEFFERSON PILOT CORP COM 475070108 1599 41568 SH DEFINED 30068 7208 4292 JOHNSON & JOHNSON INC 478160104 13136 226989SH X 1 192646 30623 3720 JOHNSON & JOHNSON INC 478160104 2581 44601 SH X X 1 39271 5055 275 JOHNSON & JOHNSON COM 478160104 5222 90260 SH DEFINED 63081 8970 18209 JONES APPAREL GROUP INC COM 480074103 284 10375 SH DEFINED 8385 0 1990 JUNIPER GROUP INC 481905701 3 10000 SH X 1 10000 KELLOGG CO COM 487836108 61 2000 SH DEFINED 2000 0 0 KEYCORP NEW COM 493267108 60 2700 SH DEFINED 2700 0 0 KEYSPAN CORP COM 49337W100 22 700 SH DEFINED 700 0 0 KIMBERLY CLARK CORP 494368103 122 2674 SH X 1 2644 3 KIMBERLY CLARK CORP 494368103 94 2072 SH X X 1 1572 500 KIMBERLY CLARK CORP COM 494368103 403 8875 SH DEFINED 7655 650 570 KIMCO REALTY CORP 49446R109 748 21300 SH X 1 21300 KIMCO REALTY CORP 49446R109 5 150 SH X X 1 150 KINDER MORGAN ENERGY PARTNER UT LTD 494550106 35 972 SH DEFINED 0 972 0 KINDER MORGAN INC KANS COM 49455P101 6 150 SH DEFINED 150 0 0 KONINKLIJKE AHOLD N V SPON ADR NEW 500467303 6 2077 SH DEFINED 2077 0 0 KROGER CORP 501044101 3717 282636SH X 1 273231 2330 7075 KROGER CORP 501044101 243 18460 SH X X 1 15680 1205 1575 LANDAMERICA FINL GROUP INC COM 514936103 6 165 SH DEFINED 0 0 165 LEGGETT & PLATT INC COM 524660107 3 210 SH DEFINED 210 0 0 LEHMAN BROS HLDGS INC COM 524908100 20 360 SH DEFINED 360 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 12 ASSETS AS OF 03/31/03 - 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- - 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 SHARE NONE ISSUER AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) ORACLE CORPORATION 68389X105 3776 348076SH X 1 336046 3360 8670 ORACLE CORPORATION 68389X105 283 26078 SH X X 1 24973 1105 PNC FINANCIAL SERVICES GROUP 693475105 68 1600 SH X 1 1600 PNC FINANCIAL SERVICES GROUP 693475105 228 5390 SH X X 1 5390 PNC FINL SVCS GROUP INC COM 693475105 74 1760 SH DEFINED 1760 0 0 PPG INDS INC COM 693506107 36 800 SH DEFINED 0 0 800 PATTERSON DENTAL CO COM 703412106 32 700 SH DEFINED 700 0 0 PENNEY J C INC COM 708160106 23 1200 SH DEFINED 0 0 1200 PEPSICO INC 713448108 7753 193827SH X 1 187762 1395 4670 PEPSICO INC 713448108 1000 25005 SH X X 1 20485 1280 3240 PEPSICO INC COM 713448108 6767 169175SH DEFINED 145583 10137 13455 PFIZER INC 717081103 8740 280493SH X 1 272596 2652 5245 PFIZER INC 717081103 1933 62035 SH X X 1 54997 3015 4023 PFIZER INC COM 717081103 5983 192105SH DEFINED 153088 21262 17755 PHARMACIA CORPORATION 71713U102 178 4110 SH X 1 4110 PHARMACIA CORPORATION 71713U102 457 10560 SH X X 1 10560 PHARMACIA CORP COM 71713U102 380 8785 SH DEFINED 5000 3785 0 PHILADELPHIA SUBN CORP COM 718009608 9 450 SH DEFINED 450 0 0 PIEDMONT NAT GAS INC COM 720186105 271 7615 SH DEFINED 7055 230 330 PITNEY BOWES INC COM 724479100 2526 79180 SH DEFINED 62905 10120 6155 PLUM CREEK TIMBER CO INC COM 729251108 41 1930 SH DEFINED 1930 0 0 PRAXAIR INC 74005P104 4320 76670 SH X 1 73425 1375 1870 PRAXAIR INC 74005P104 427 7570 SH X X 1 7165 235 170 PRICE T ROWE GROUP INC COM 74144T108 1320 48714 SH DEFINED 40161 1750 6803 PROCTER & GAMBLE CO 742718109 8155 91575 SH X 1 87845 1820 1910 PROCTER & GAMBLE CO 742718109 1012 11364 SH X X 1 11019 205 140 PROCTER & GAMBLE CO COM 742718109 2724 30596 SH DEFINED 20111 5840 4645 PROGRESS ENERGY INC COM 743263105 54 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 48 1325 SH DEFINED 1325 0 0 PUBLIC STORAGE INC 74460D109 48 1607 SH DEFINED 1607 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 15 ASSETS AS OF 03/31/03 - 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