13F-HR 1 ptr2890904.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: MICHAEL SHEEHY NAME: MICHAEL SHEEHY TITLE: CHIEF INVESTMENT OFFICER PHONE: 802 660-1325 FORM 13F SUMMARY PAGE SECURITY AND EXCHANGE COMMISSION FORM (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 INFORMATIONAL TABLE

CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 1 ASSETTS AS OF 03/31/04 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) 3M CO 88579Y101 2167 26463 SH X 1 26463 3M CO 88579Y101 540 6592 SH X X 1 6092 500 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 2 ASSETTS AS OF 03/31/04 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) 3M CO COM 88579Y101 2155 26323 SH DEFINED 16917 3344 6062 ABBOTT LABS 002824100 764 18585 SH X 1 17975 610 ABBOTT LABS 002824100 513 12491 SH X X 1 11991 500 ABBOTT LABS COM 002824100 1115 27156 SH DEFINED 19306 6250 1600 ABM INDS INC COM 000957100 51 2895 SH DEFINED 2895 0 0 ACTIVE POWER INC 00504W100 77 24000 SH DEFINED 15500 0 8500 AEGON N V ORD AMER REG 007924103 2 186 SH DEFINED 186 0 0 AES CORP COM 00130H105 3 400 SH DEFINED 0 0 400 AETNA INC NEW COM 00817Y108 22 246 SH DEFINED 246 0 0 AGERE SYS INC CL B 00845V209 0 5 SH DEFINED 5 0 0 AGL RESOURCES INC 001204106 27 935 SH DEFINED 935 0 0 AIR PRODS & CHEMS INC COM 009158106 252 5040 SH DEFINED 3530 235 1275 AIR PRODUCTS & CHEMICALS INC 009158106 204 4068 SH X 1 4068 AIR PRODUCTS & CHEMICALS INC 009158106 71 1420 SH X X 1 1420 ALBERTO-CULVER CO COM 013068101 2546 58051 SH DEFINED 46033 9419 2599 ALCOA INC 013817101 5495 158415 SH X 1 152160 1155 5100 ALCOA INC 013817101 499 14371 SH X X 1 12950 1421 ALCOA INC COM 013817101 33 968 SH DEFINED 268 0 700 ALLEGHENY ENERGY INC COM 017361106 2 200 SH DEFINED 200 0 0 ALLMERICA FINL CORP COM 019754100 64 1857 SH DEFINED 570 1287 0 ALLTEL CORP COM 020039103 182 3654 SH DEFINED 2989 490 175 ALTRIA GROUP INC 02209S103 1646 30226 SH X 1 30226 ALTRIA GROUP INC 02209S103 216 3975 SH X X 1 3150 825 ALTRIA GROUP INC COM 02209S103 155 2850 SH DEFINED 1650 0 1200 AMEREN CORP COM 023608102 16 350 SH DEFINED 350 0 0 AMERICAN ELEC PWR INC COM 025537101 24 742 SH DEFINED 742 0 0 AMERICAN EXPRESS CO 025816109 349 6733 SH X 1 6733 AMERICAN EXPRESS CO 025816109 135 2606 SH X X 1 1856 750 AMERICAN EXPRESS CO COM 025816109 578 11157 SH DEFINED 10962 0 195 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 3 ASSETTS AS OF 03/31/04 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) AMERICAN INTERNATIONAL GROUP 026874107 13264 185895 SH X 1 174658 3912 7325 AMERICAN INTERNATIONAL GROUPC 026874107 1532 21469 SH X X 1 19369 1300 800 AMERICAN INTL GROUP INC COM 026874107 6505 91183 SH DEFINED 67337 11092 12754 AMERICAN ITALIAN PASTA CL A 027070101 361 9060 SH DEFINED 6985 100 1975 AMGEN INC 031162100 6381 109730 SH X 1 105977 768 2985 AMGEN INC 031162100 599 10304 SH X X 1 8937 1072 295 AMGEN INC COM 031162100 2796 48095 SH DEFINED 39197 5170 3728 AMSOUTH BANCORPORATION COM 032165102 6 280 SH DEFINED 280 0 0 ANADARKO PETE CORP COM 032511107 25 500 SH DEFINED 500 0 0 ANALOG DEVICES INC 032654105 62 1300 SH X 1 1300 ANALOG DEVICES INC 032654105 199 4145 SH X X 1 4145 ANALOG DEVICES INC COM 032654105 1425 29690 SH DEFINED 26825 560 2305 ANHEUSER BUSCH COS INC COM 035229103 829 16260 SH DEFINED 9580 5270 1410 APACHE CORP COM 037411105 3104 71935 SH DEFINED 65115 2066 4754 APPLIED MATERIALS INC 038222105 190 8900 SH X 1 8900 APPLIED MATERIALS INC 038222105 202 9450 SH X X 1 9450 APPLIED MATLS INC COM 038222105 38 1800 SH DEFINED 1800 0 0 ARCH CHEMICALS INC COM 03937R102 56 2000 SH DEFINED 2000 0 0 ARCH COAL INC COM 039380100 4 142 SH DEFINED 0 0 142 ARROW FINANCIAL CORP 042744102 429 14285 SH X 1 14285 ARROW FINANCIAL CORP 042744102 1131 37629 SH X X 1 37629 ASHLAND INC COM 044204105 4 90 SH DEFINED 0 0 90 ASPECT COMMUNICATIONS CORP 04523Q102 15 1000 SH DEFINED 1000 0 0 AT&T CORP NEW COM 001957505 6 354 SH DEFINED 354 0 0 AT&T WIRELESS SVCS INC COM 00209A106 3 240 SH DEFINED 240 0 0 AUTODESK INC 052769106 31 1000 SH DEFINED 1000 0 0 AUTOMATIC DATA PROCESSING 053015103 7961 189558 SH X 1 182576 2367 4615 AUTOMATIC DATA PROCESSING 053015103 930 22141 SH X X 1 19717 2424 AUTOMATIC DATA PROCESSING INC 053015103 3881 92422 SH DEFINED 64398 16525 11499 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 4 ASSETTS AS OF 03/31/04 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) AVALONBAY CMNTYS INC COM 053484101 56 1048 SH DEFINED 1048 0 0 AVAYA INC COM 053499109 0 1 SH DEFINED 1 0 0 AVERY DENNISON CORP COM 053611109 1580 25405 SH DEFINED 21487 600 3318 AVON PRODS INC COM 054303102 53 700 SH DEFINED 0 0 700 BAKER HUGHES INC COM 057224107 9 250 SH DEFINED 250 0 0 BALDOR ELEC CO COM 057741100 39 1723 SH DEFINED 1723 0 0 BANK AMERICA CORP 060505104 599 7400 SH X 1 7400 BANK AMERICA CORP 060505104 230 2835 SH X X 1 2485 350 BANK NEW YORK INC COM 064057102 1328 42184 SH DEFINED 37086 1525 3573 BANK OF AMERICA CORP COM 060505104 297 3674 SH DEFINED 399 0 3275 BANK ONE CORP 06423A103 70 1289 SH X 1 1289 BANK ONE CORP 06423A103 389 7139 SH X X 1 7139 BANK ONE CORP COM 06423A103 24 452 SH DEFINED 332 120 0 BANKNORTH GROUP INC NEW 06646R107 849 24939 SH X 1 15929 9010 BANKNORTH GROUP INC NEW 06646R107 454 13334 SH X X 1 5573 7761 BANKNORTH GROUP INC NEW COM 06646R107 90 2670 SH DEFINED 370 0 2300 BARD C R INC COM 067383109 39 400 SH DEFINED 0 0 400 BAXTER INTL INC COM 071813109 74 2400 SH DEFINED 2160 240 0 BB&T CORP 054937107 269 7617 SH X X 1 7617 BB&T CORP COM 054937107 672 19045 SH DEFINED 10585 5880 2580 BECTON DICKINSON & CO COM 075887109 2684 55386 SH DEFINED 44980 8346 2060 BED BATH & BEYOND INC COM 075896100 62 1495 SH DEFINED 790 0 705 BELLSOUTH CORP 079860102 1277 46121 SH X 1 44321 1800 BELLSOUTH CORP 079860102 550 19865 SH X X 1 16189 3676 BELLSOUTH CORP COM 079860102 619 22375 SH DEFINED 13683 6512 2180 BEMIS INC COM 081437105 520 20000 SH DEFINED 20000 0 0 BERKSHIRE HATHAWAY 084670108 280 3 SH X 1 3 BERKSHIRE HATHAWAY CLASS B 084670207 370 119 SH X 1 98 21 BERKSHIRE HATHAWAY CLASS B 084670207 44 14 SH X X 1 14 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 5 ASSETTS AS OF 03/31/04 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 INC CL A 084670108 1119 12 SH DEFINED 6 0 6 BERKSHIRE HATHAWAY INC CL B 084670207 609 196 SH DEFINED 96 0 100 BEST BUY CO 086516101 4778 92390 SH X 1 88856 640 2894 BEST BUY CO 086516101 287 5542 SH X X 1 4552 990 BEST BUY INC COM 086516101 61 1188 SH DEFINED 1188 0 0 BIOGEN IDEC INC COM 09062X103 22 400 SH DEFINED 400 0 0 BIOMET INC 090613100 5100 132942 SH X 1 126977 1230 4735 BIOMET INC 090613100 365 9514 SH X X 1 7690 1324 500 BIOMET INC COM 090613100 624 16270 SH DEFINED 12090 150 4030 BLACK HILLS CORP 092113109 26 842 SH DEFINED 842 0 0 BLACKROCK INC 09247X101 21 350 SH DEFINED 350 0 0 BOEING CO 097023105 72 1744 SH X 1 1744 BOEING CO 097023105 595 14478 SH X X 1 350 14128 BOEING CO COM 097023105 98 2400 SH DEFINED 1300 0 1100 BOSTON PROPERTIES INC COM 101121101 71 1322 SH DEFINED 1322 0 0 BP P L C SPONS ADR 055622104 1378 26917 SH DEFINED 19951 3036 3930 BP PLC SPONSORED ADR 055622104 1205 23535 SH X 1 22551 984 BP PLC SPONSORED ADR 055622104 744 14531 SH X X 1 12156 1391 984 BRISTOL MYERS SQUIBB CO 110122108 564 23276 SH X 1 23276 BRISTOL MYERS SQUIBB CO 110122108 329 13558 SH X X 1 6758 4800 2000 BRISTOL MYERS SQUIBB CO 110122108 793 32748 SH DEFINED 20150 1915 10683 BURLINGTON NORTHERN SANTA FE 12189T104 155 4915 SH X 1 3915 1000 BURLINGTON NORTHERN SANTA FE 12189T104 157 4972 SH X X 1 472 4500 BURLINGTON NORTHN SANTE FE M 12189T104 40 1287 SH DEFINED 900 0 387 BURLINGTON RES INC COM 122014103 710 11165 SH DEFINED 10750 0 415 CADBURY SCHWEPPES PLC ADR 127209302 14 450 SH DEFINED 450 0 0 CALPINE CORP COM 131347106 0 140 SH DEFINED 40 0 100 CAMDEN NATL CORP COM 133034108 17 550 SH DEFINED 450 0 100 CARDINAL HEALTH INC 14149Y108 6748 97939 SH X 1 93249 915 3775 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 6 ASSETTS AS OF 03/31/04 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) CARDINAL HEALTH INC 14149Y108 586 8508 SH X X 1 6670 938 900 CARDINAL HEALTH INC COM 14149Y108 4354 63205 SH DEFINED 51165 5963 6077 CARNIVAL CORP COM 143658300 948 21125 SH DEFINED 20570 0 555 CATERPILLAR INC 149123101 963 12175 SH X 1 12125 50 CCBT FINL COS INC COM 12500Q102 7 200 SH DEFINED 200 0 0 CENDANT CORP COM 151313103 1635 67083 SH DEFINED 57448 2105 7530 CENTERPOINT ENERGY INC COM 15189T107 8 750 SH DEFINED 750 0 0 CENTRAL FINANCIAL CORP 153472105 3370 36240 SH X 1 36240 CERTEGY INC 156880106 20 585 SH X 1 585 CERTEGY INC 156880106 916 26143 SH X X 1 26143 CHAMPLAIN BANK CORP COM 15871P108 265 690 SH X 1 690 CHEVRONTEXACO CORP 166764100 7895 89941 SH X 1 86721 715 2505 CHEVRONTEXACO CORP 166764100 1006 11459 SH X X 1 10185 1274 CHEVRONTEXACO CORP COM 166764100 2610 29745 SH DEFINED 24802 3670 1273 CHITTENDEN CORP 170228100 6626 200773 SH X 1 164287 25000 11486 CHITTENDEN CORP 170228100 2174 65882 SH X X 1 43782 2438 19662 CHITTENDEN CORP COM 170228100 3 100 SH DEFINED 0 0 100 CHOICEPOINT INC 170388102 935 24596 SH X X 1 24596 CHUBB CORP COM 171232101 9 140 SH DEFINED 100 40 0 CIGNA CORP COM 125509109 144 2452 SH DEFINED 2152 300 0 CINTAS CORP COM 172908105 876 20170 SH DEFINED 11490 8285 395 CISCO SYS INC COM 17275R102 1815 77049 SH DEFINED 55960 5845 15244 CISCO SYSTEMS INC 17275R102 6438 273126 SH X 1 261291 3440 8395 CISCO SYSTEMS INC 17275R102 1054 44725 SH X X 1 41478 2447 800 CITIGROUP INC 172967101 12891 249338 SH X 1 237474 2150 9714 CITIGROUP INC 172967101 2227 43067 SH X X 1 30283 12784 CITIGROUP INC COM 172967101 1568 30337 SH DEFINED 29074 1000 263 CITIGROUP INVSTS CORP LN FD 17307C107 25 1650 SH DEFINED 0 0 1650 COBBLE HILL HOLDINGS INC CL B 19088P208 755 75455 SH X X 1 75455 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 7 ASSETTS AS OF 03/31/04 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) COCA COLA CO 191216100 2756 54785 SH X 1 54785 COCA COLA CO 191216100 994 19758 SH X X 1 7258 12500 COCA-COLA CO COM 191216100 1482 29483 SH DEFINED 18872 5169 5442 COLGATE PALMOLIVE CO 194162103 1278 23192 SH X 1 23192 COLGATE PALMOLIVE CO 194162103 33 599 SH X X 1 599 COLGATE PALMOLIVE CO COM 194162103 233 4236 SH DEFINED 900 2300 1036 COMCAST CORP CL A COM 20030N101 33 1181 SH DEFINED 1037 144 0 COMERICA INC COM 200340107 162 3000 SH DEFINED 3000 0 0 COMMUNITY SERVICE TELEPHONE 20404P203 47 13250 SH X 1 13250 CONAGRA FOODS INC COM 205887102 151 5620 SH DEFINED 5370 250 0 CONOCOPHILLIPS COM 20825C104 6 100 SH DEFINED 100 0 0 CONSOLIDATED EDISON INC COM 209115104 90 2042 SH DEFINED 2042 0 0 CORNING INC COM 219350105 16 1500 SH DEFINED 0 1500 0 COSTCO WHOLESALE CORPORATION 22160K105 11 300 SH DEFINED 300 0 0 COTT CORPORATION 22163N106 7 250 SH DEFINED 250 0 0 CVS CORP COM 126650100 972 27544 SH DEFINED 26894 0 650 DANAHER CORP 235851102 9789 104839 SH X 1 100036 1713 3090 DANAHER CORP 235851102 1080 11563 SH X X 1 10143 1170 250 DANAHER CORPORATION COM 235851102 18 200 SH DEFINED 200 0 0 DEAN FOODS CO NEW COM 242370104 1336 40014 SH DEFINED 35592 685 3737 DEERE & CO COM 244199105 34 500 SH DEFINED 0 500 0 DELL INC COM 24702R101 1186 35310 SH DEFINED 31650 0 3660 DELPHI CORPORATION COM 247126105 6 629 SH DEFINED 0 629 0 DENTSPLY INTL INC NEW COM 249030107 331 7472 SH DEFINED 6307 0 1165 DIEBOLD INC COM 253651103 846 17588 SH DEFINED 15588 175 1825 DISNEY WALT CO COM 254687106 113 4543 SH DEFINED 3437 0 1106 DOLLAR GEN CORP COM 256669102 1005 52405 SH DEFINED 39977 5682 6746 DOMINION RES INC VA NEW 25746U109 5520 85855 SH X 1 82845 700 2310 DOMINION RES INC VA NEW 25746U109 472 7345 SH X X 1 6262 883 200 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 8 ASSETTS AS OF 03/31/04 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) DOMINION RES INC VA NEW COM 25746U109 182 2835 SH DEFINED 2068 0 767 DONNELLEY R R & SONS CO COM 257867101 27 918 SH DEFINED 918 0 0 DOVER CORP COM 260003108 318 8216 SH DEFINED 4796 2800 620 DOW CHEM CO COM 260543103 338 8410 SH DEFINED 7610 800 0 DOW CHEMICAL CO 260543103 629 15619 SH X 1 15619 DOW CHEMICAL CO 260543103 94 2325 SH X X 1 2325 DTE ENERGY CO COM 233331107 271 6600 SH DEFINED 3600 0 3000 DU PONT E I DE NEMOURS & CO 263534109 602 14277 SH DEFINED 13537 530 210 DUKE ENERGY CORP COM 264399106 163 7236 SH DEFINED 7154 0 82 DUPONT E I DE NEMOURS & CO 263534109 1132 26817 SH X 1 26817 DUPONT E I DE NEMOURS & CO 263534109 286 6782 SH X X 1 5910 872 E M C CORP MASS COM 268648102 7 560 SH DEFINED 560 0 0 ECOLAB INC COM 278865100 3506 122945 SH DEFINED 103419 13316 6210 EDO CORP COM 281347104 26 1103 SH DEFINED 1103 0 0 EL PASO CORP COM 28336L109 11 1575 SH DEFINED 1000 0 575 ELAN PLC ADR 284131208 28 1400 SH DEFINED 1000 0 400 ELECTRONIC DATA SYS NEW COM 285661104 277 14345 SH DEFINED 14345 0 0 EMC CORP 268648102 5137 377420 SH X 1 364185 3160 10075 EMC CORP 268648102 355 26080 SH X X 1 20953 3627 1500 EMERSON ELEC CO COM 291011104 2958 49375 SH DEFINED 40310 6485 2580 EMERSON ELECTRIC CO 291011104 315 5263 SH X 1 5263 EMERSON ELECTRIC CO 291011104 184 3065 SH X X 1 2165 900 ENERGEN CORP COM 29265N108 165 4020 SH DEFINED 2420 1600 0 ENERGY EAST CORP 29266M109 393 15510 SH X 1 15510 ENERGY EAST CORP 29266M109 187 7374 SH X X 1 7374 ENTRAVISION COMM CORP CL A 29382R107 179 20000 SH X 1 20000 EQUIFAX INC 294429105 30 1171 SH X 1 1171 EQUIFAX INC 294429105 1222 47326 SH X X 1 47326 EQUIFAX INC COM 294429105 114 4440 SH DEFINED 4440 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 9 ASSETTS AS OF 03/31/04 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) EVEREST REINSURANCE GROUP LTD G3223R108 173 2030 SH DEFINED 2030 0 0 EXELIXIS INC COM 30161Q104 0 50 SH DEFINED 0 50 0 EXELON CORP 30161N101 5934 86163 SH X 1 83063 695 2405 EXELON CORP 30161N101 547 7942 SH X X 1 6798 794 350 EXELON CORP COM 30161N101 40 587 SH DEFINED 587 0 0 EXXON MOBIL CORP 30231G102 21255 511063 SH X 1 501493 1860 7710 EXXON MOBIL CORP 30231G102 4382 105371 SH X X 1 85489 16382 3500 EXXON MOBIL CORP COM 30231G102 7453 179213 SH DEFINED 126131 23380 29702 FAIRCHILD SEMICONDUCTOR INTL 303726103 31 1320 SH DEFINED 1320 0 0 FAMILY DLR STORES INC COM 307000109 595 16560 SH DEFINED 14515 685 1360 FANNIE MAE 313586109 12033 161836 SH X 1 156086 1300 4450 FANNIE MAE 313586109 1123 15100 SH X X 1 13749 1351 FANNIE MAE COM 313586109 5333 71742 SH DEFINED 57680 7695 6367 FEDERAL HOME LN MTG CORP COM 313400301 39 675 SH DEFINED 675 0 0 FIRST BRANDON NATIONAL BANK 319351102 1701 160350 SH X X 1 160350 FIRST DATA CORP 319963104 9712 230370 SH X 1 220105 1905 8360 FIRST DATA CORP 319963104 780 18497 SH X X 1 15744 2353 400 FIRST DATA CORP COM 319963104 1956 46414 SH DEFINED 34013 7080 5321 FIRST NATIONAL LINCOLN CORP 335716106 411 8568 SH DEFINED 1468 3100 4000 FLEETBOSTON FINANCIAL CORP 339030108 593 13211 SH X 1 13211 FLEETBOSTON FINANCIAL CORP 339030108 101 2248 SH X X 1 1248 1000 FLEETBOSTON FINL CORP COM 339030108 237 5286 SH DEFINED 5286 0 0 FLEXTRONICS INTL LTD Y2573F102 2719 159070 SH X 1 154735 300 4035 FLEXTRONICS INTL LTD Y2573F102 105 6145 SH X X 1 5220 925 FLEXTRONICS INTL LTD ORD Y2573F102 780 45682 SH DEFINED 44202 0 1480 FORD MOTOR TR II CONV PFD 345395206 15 300 SH DEFINED 300 0 0 FORD MTR CO DEL COM PAR $0.01 345370860 16 1222 SH DEFINED 1222 0 0 FOREST LABORATORIES INC COM 345838106 1128 15762 SH DEFINED 14577 0 1185 FOREST LABS INC 345838106 5824 81316 SH X 1 77371 645 3300 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 10 ASSETTS AS OF 03/31/04 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) FOREST LABS INC 345838106 401 5603 SH X X 1 4735 868 FORTUNE BRANDS INC COM 349631101 594 7764 SH DEFINED 7094 340 330 FPL GROUP INC 302571104 332 4960 SH X 1 4960 FPL GROUP INC 302571104 125 1875 SH X X 1 1875 FPL GROUP INC COM 302571104 56 850 SH DEFINED 550 300 0 FRA US FLOATING RATE STRAT FD 339735102 25 1300 SH DEFINED 0 0 1300 FREEPORT-MCMORAN COPPER & GOCL35671D857 121 3117 SH DEFINED 0 0 3117 FULTON FINL CORP PA COM 360271100 165 7410 SH DEFINED 7410 0 0 GANNETT INC 364730101 15214 172610 SH X 1 161239 755 10616 GANNETT INC 364730101 3367 38196 SH X X 1 36682 1514 GANNETT INC COM 364730101 4964 56329 SH DEFINED 48909 2747 4673 GATX CORP COM 361448103 32 1480 SH DEFINED 980 500 0 GENERAL DYNAMICS CORP 369550108 392 4395 SH DEFINED 3930 0 465 GENERAL ELEC CO COM 369604103 7820 256252 SH DEFINED 185065 27782 43405 GENERAL ELECTRIC 369604103 22767 745975 SH X 1 720385 5550 20040 GENERAL ELECTRIC 369604103 5101 167124 SH X X 1 119919 43305 3900 GENERAL MLS INC COM 370334104 463 9935 SH DEFINED 5050 2485 2400 GENERAL MOTORS CORP 370442105 270 5742 SH X 1 5742 GENERAL MOTORS CORP 370442105 59 1248 SH X X 1 1048 200 GENERAL MTRS CORP COM 370442105 50 1066 SH DEFINED 166 900 0 GENTEX CORP COM 371901109 1456 33595 SH DEFINED 19842 9680 4073 GENUINE PARTS CO COM 372460105 1556 47583 SH DEFINED 36183 9585 1815 GILLETTE CO 375766102 116 2971 SH X 1 2771 200 GILLETTE CO 375766102 369 9429 SH X X 1 6929 1000 1500 GILLETTE CO COM 375766102 78 2000 SH DEFINED 2000 0 0 GLAXOSMITHKLINE PLC SPONS ADR 37733W105 54 1365 SH DEFINED 910 0 455 GLAXOSMITHKLINE PLC SPONS ADR 37733W105 181 4523 SH X 1 4523 GLAXOSMITHKLINE PLC SPONS ADR 37733W105 28 705 SH X X 1 705 GOODRICH CORPORATION COM 382388106 14 500 SH DEFINED 500 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 11 ASSETTS AS OF 03/31/04 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) GREAT WEST LIFECO INC 39138C106 279 5500 SH X X 1 5500 HALLIBURTON CO COM 406216101 24 800 SH DEFINED 0 800 0 HARLEY-DAVIDSON INC 412822108 200 3755 SH X 1 2695 400 660 HARLEY-DAVIDSON INC 412822108 200 3755 SH X X 1 3255 500 HARMONIC INC 413160102 1 200 SH DEFINED 200 0 0 HARRIS CORP DEL COM 413875105 96 2000 SH DEFINED 2000 0 0 HARSCO CORP COM 415864107 7 175 SH DEFINED 175 0 0 HAWAIIAN ELEC INDUSTRIES COM 419870100 5 100 SH DEFINED 100 0 0 HEINZ H J CO COM 423074103 161 4335 SH DEFINED 4335 0 0 HERSHEY FOODS CORP 427866108 597 7200 SH X 1 7200 HEWLETT PACKARD CO 428236103 184 8052 SH X 1 6452 1600 HEWLETT PACKARD CO 428236103 65 2835 SH X X 1 2485 350 HEWLETT PACKARD CO COM 428236103 369 16159 SH DEFINED 3215 8784 4160 HILLENBRAND INDS INC COM 431573104 4 65 SH DEFINED 0 0 65 HOME DEPOT INC 437076102 265 7100 SH X 1 6800 300 HOME DEPOT INC 437076102 143 3831 SH X X 1 3831 HOME DEPOT INC COM 437076102 2593 69421 SH DEFINED 56473 3873 9075 HONDA MOTOR CO LTD SPONS ADR 438128308 23 1000 SH DEFINED 1000 0 0 HONEYWELL INTL INC 438516106 164 4835 SH X 1 4835 HONEYWELL INTL INC 438516106 51 1504 SH X X 1 400 1104 HOST MARRIOTT CORP NEW 44107P104 5 452 SH DEFINED 452 0 0 HSBC HLDGS PLC ADR NEW 404280406 1 15 SH X 1 15 HSBC HLDGS PLC ADR NEW 404280406 288 3852 SH X X 1 3852 HUBBELL INC CL B 443510201 6 165 SH DEFINED 165 0 0 HUNTINGTON BANCSHARES INC COM 446150104 185 8433 SH DEFINED 8433 0 0 IDACORP INC 451107106 13 460 SH DEFINED 460 0 0 IDEXX LABORATORIES INC COM 45168D104 1564 27510 SH DEFINED 22345 1740 3425 ILLINOIS TOOL WORKS 452308109 8629 108905 SH X 1 104455 770 3680 ILLINOIS TOOL WORKS 452308109 679 8574 SH X X 1 7567 1007 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 12 ASSETTS AS OF 03/31/04 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) ILLINOIS TOOL WORKS INC COM 452308109 1451 18318 SH DEFINED 9809 4610 3899 IMC GLOBAL INC COM 449669100 9 666 SH DEFINED 0 0 666 INDUSTRIES DIVISION) RESTRICTED INTEL CORP 458140100 7479 274980 SH X 1 263778 3122 8080 INTEL CORP 458140100 1465 53862 SH X X 1 45882 3180 4800 INTEL CORP 458140100 40985 1506836 SH DEFINED 295463 1169976 41397 INTERNATIONAL BUSINESS MACH 459200101 2531 27566 SH DEFINED 18169 5030 4367 INTERNATIONAL BUSINESS MACH 459200101 12926 140743 SH X 1 130213 8005 2525 INTERNATIONAL BUSINESS MACH 459200101 1256 13674 SH X X 1 11289 2235 150 INTERNATIONAL PAPER CO COM 460146103 52 1250 SH DEFINED 1250 0 0 INTERPUBLIC GROUP COS INC COM 460690100 18 1200 SH DEFINED 1200 0 0 J M SMUCKER CO COM 832696405 6 125 SH DEFINED 51 50 24 J P MORGAN CHASE & CO 46625H100 1865 44456 SH X 1 44456 J P MORGAN CHASE & CO 46625H100 590 14065 SH X X 1 12373 1692 J P MORGAN CHASE & CO COM 46625H100 514 12271 SH DEFINED 10014 629 1628 JEFFERSON PILOT CORP COM 475070108 2065 37555 SH DEFINED 27172 7458 2925 JOHNSON & JOHNSON COM 478160104 5036 99298 SH DEFINED 72034 10040 17224 JOHNSON & JOHNSON INC 478160104 11043 217719 SH X 1 182606 30423 4690 JOHNSON & JOHNSON INC 478160104 2126 41923 SH X X 1 35499 6024 400 JONES APPAREL GROUP INC COM 480074103 339 9400 SH DEFINED 8880 0 520 KELLOGG CO COM 487836108 78 2000 SH DEFINED 2000 0 0 KEYCORP NEW COM 493267108 54 1800 SH DEFINED 1800 0 0 KEYSPAN CORP COM 49337W100 26 700 SH DEFINED 700 0 0 KIMBERLY CLARK CORP 494368103 108 1705 SH X 1 805 900 KIMBERLY CLARK CORP 494368103 106 1674 SH X X 1 722 952 KIMBERLY CLARK CORP COM 494368103 1546 24504 SH DEFINED 22742 1022 740 KIMCO REALTY CORP 49446R109 1264 24800 SH X 1 24800 KIMCO REALTY CORP 49446R109 8 150 SH X X 1 150 KINDER MORGAN ENERGY PARTNER 494550106 43 972 SH DEFINED 0 972 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 13 ASSETTS AS OF 03/31/04 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) KINDER MORGAN INC KANS COM 49455P101 28 450 SH DEFINED 450 0 0 KOHLS CORP COM 500255104 2 60 SH DEFINED 60 0 0 L 3 COMMUNICATIONS HOLDINGS 502424104 1506 25325 SH DEFINED 22220 910 2195 LANDAMERICA FINL GROUP INC 514936103 7 165 SH DEFINED 0 0 165 LEGG MASON INC 524901105 803 8662 SH DEFINED 8552 0 110 LEGGETT & PLATT INC 524660107 20 880 SH DEFINED 880 0 0 LEHMAN BROS HLDGS INC 524908100 29 360 SH DEFINED 360 0 0 LILLY ELI & CO 532457108 369 5516 SH X 1 5516 LILLY ELI & CO 532457108 194 2900 SH X X 1 2900 LILLY ELI & CO 532457108 40 600 SH DEFINED 600 0 0 LOWES COMPANIES INC 548661107 10574 188380 SH X 1 181545 1230 5605 LOWES COMPANIES INC 548661107 1005 17909 SH X X 1 14813 2496 600 LOWES COS INC 548661107 83 1480 SH DEFINED 150 0 1330 LUCENT TECHNOLOGIES INC 549463107 66 16174 SH X 1 16174 LUCENT TECHNOLOGIES INC 549463107 3 784 SH X X 1 396 388 LUCENT TECHNOLOGIES INC 549463107 10 2522 SH DEFINED 1522 0 1000 MARLIN CO. (FORMERLY MARLIN 571172105 219 3126 SH X 1 3126 MARLIN CO. (FORMERLY MARLIN 571172295 28 28134 SH X 1 28134 MARLIN FIREARMS CO CLASS B 571171305 59 59400 SH X 1 59400 MARRIOTT INTL INC NEW CL A 571903202 35 832 SH DEFINED 832 0 0 MARSH & MCLENNAN COS INC 571748102 1290 27888 SH DEFINED 23383 1015 3490 MARSHALL & ILSLEY CORP 571834100 246 6500 SH X 1 6500 MASCO CORP 574599106 7008 230226 SH X 1 220251 2160 7815 MASCO CORP 574599106 491 16136 SH X X 1 13223 2113 800 MASCO CORP 574599106 1340 44056 SH DEFINED 40076 1850 2130 MATTEL INC 577081102 202 11000 SH DEFINED 11000 0 0 MAXIM INTEGRATED PRODS INC 57772K101 4509 95997 SH X 1 91772 885 3340 MAXIM INTEGRATED PRODS INC 57772K101 278 5911 SH X X 1 4646 885 380 MAXWELL TECHNOLOGIES INC 577767106 6 500 SH DEFINED 0 500 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 14 ASSETTS AS OF 03/31/04 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) MBIA INC 55262C100 210 3350 SH X 1 3350 MBIA INC 55262C100 110 1750 SH X X 1 400 450 900 MBIA INC 55262C100 1355 21613 SH DEFINED 17173 4100 340 MBNA CORP 55262L100 11635 421084 SH X 1 402654 4034 14396 MBNA CORP 55262L100 782 28294 SH X X 1 24350 3944 MBNA CORP 55262L100 371 13465 SH DEFINED 13315 0 150 MCCORMICK & CO INC NON VTG 579780206 444 13255 SH DEFINED 3715 9540 0 MCDONALDS CORP 580135101 159 5600 SH DEFINED 1600 0 4000 MCGRAW HILL COMPANIES INC 580645109 118 1555 SH X 1 1555 MCGRAW HILL COMPANIES INC 580645109 297 3900 SH X X 1 3900 MCGRAW HILL COMPANIES INC 580645109 437 5750 SH DEFINED 5465 250 35 MDU RES GROUP INC 552690109 51 2180 SH DEFINED 2180 0 0 MEADWESTVACO CORP 583334107 2 100 SH DEFINED 0 0 100 MECHANICAL TECHNOLOGY INC 583538103 10 2000 SH DEFINED 2000 0 0 MEDCO HEALTH SOLUTIONS 58405U102 61 1797 SH DEFINED 494 1056 247 MEDTRONIC INC 585055106 7313 153154 SH X 1 146866 2098 4190 MEDTRONIC INC 585055106 701 14680 SH X X 1 11097 1583 2000 MEDTRONIC INC 585055106 44 925 SH DEFINED 325 0 600 MELLON FINL CORP 58551A108 917 29327 SH DEFINED 26047 1200 2080 MERCHANTS BANCSHARES INC 588448100 332 11501 SH X 1 11501 MERCHANTS BANCSHARES INC 588448100 133 4596 SH X X 1 4596 MERCK & CO INC 589331107 2125 48087 SH X 1 33806 14181 100 MERCK & CO INC 589331107 528 11957 SH X X 1 9557 2400 MERCK & CO INC 589331107 2360 53430 SH DEFINED 36940 11270 5220 MERRILL LYNCH & CO INC 590188108 10763 180709 SH X 1 173397 1592 5720 MERRILL LYNCH & CO INC 590188108 776 13026 SH X X 1 11405 1621 MERRILL LYNCH & CO INC 590188108 466 7838 SH DEFINED 7005 88 745 METLIFE INC 59156R108 585 16402 SH DEFINED 16402 0 0 MICROSOFT CORP 594918104 8199 328867 SH X 1 313097 4135 11635 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 15 ASSETTS AS OF 03/31/04 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) MICROSOFT CORP 594918104 971 38953 SH X X 1 29712 4441 4800 MICROSOFT CORP 594918104 4183 167823 SH DEFINED 117220 17870 32733 MONSANTO CO NEW 61166W101 36 986 SH DEFINED 341 645 0 MORGAN STANLEY 617446448 222 3870 SH X 1 3870 MORGAN STANLEY 617446448 20 344 SH X X 1 344 MOTOROLA INC 620076109 21 1200 SH DEFINED 0 1200 0 MUNICIPAL ADVANTAGE FUND INC 626189104 21 1475 DEFINED 0 1475 0 NATIONAL CITY CORPORATION 635405103 598 16830 SH DEFINED 16190 640 0 NATIONAL FUEL GAS CO N J 636180101 15 650 SH DEFINED 650 0 0 NEW JERSEY RES 646025106 2122 56162 SH DEFINED 46363 8259 1540 NOKIA CORP SPONSORED ADR 654902204 43 2150 SH DEFINED 450 0 1700 NORFOLK SOUTHERN CORP 655844108 146 6588 SH X 1 6588 NORFOLK SOUTHERN CORP 655844108 98 4426 SH X X 1 2090 336 2000 NORTEL NETWORKS CORP NEW 656568102 23 4000 SH DEFINED 0 0 4000 NORTHEAST UTILITIES 664397106 8 477 SH DEFINED 477 0 0 NORTHERN TR CORP 665859104 18 400 SH DEFINED 400 0 0 NORTHROP GRUMMAN CORP 666807102 23 240 SH DEFINED 240 0 0 NUVEEN INSD PREM INCOME MUN 6706D8104 28 1900 DEFINED 1900 0 0 NUVEEN NY SELECT QUALITY MUN 670976109 6 380 DEFINED 380 0 0 NUVEEN PREMIUM INC MUNI FUND 67062T100 331 22200 DEFINED 22200 0 0 OGE ENERGY CORP COM 670837103 58 2200 SH DEFINED 200 2000 0 OLIN CORP COM PAR $1 680665205 71 4000 SH DEFINED 4000 0 0 OM GROUP INC COM 670872100 3 115 SH DEFINED 115 0 0 OMNICOM GROUP INC COM 681919106 2973 37048 SH DEFINED 29363 5445 2240 ORACLE CORPORATION 68389X105 6177 514769 SH X 1 497754 3965 13050 ORACLE CORPORATION 68389X105 433 36044 SH X X 1 31141 4903 PANERA BREAD CO CL A COM 69840W108 9 245 SH DEFINED 245 0 0 PARK MEDITECH INC 70057L108 0 20000 SH X 1 20000 PATTERSON DENTAL CO COM 703412106 20 300 SH DEFINED 300 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 16 ASSETTS AS OF 03/31/04 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) PAYCHEX INC COM 704326107 17 500 SH DEFINED 500 0 0 PENNEY J C INC COM 708160106 52 1500 SH DEFINED 300 0 1200 PEPSICO INC 713448108 11519 213911 SH X 1 204561 1630 7720 PEPSICO INC 713448108 1332 24731 SH X X 1 20853 2678 1200 PEPSICO INC COM 713448108 8467 157272 SH DEFINED 134910 9907 12455 PFIZER INC 717081103 10533 300502 SH X 1 290230 2822 7450 PFIZER INC 717081103 2687 76675 SH X X 1 64732 8600 3343 PFIZER INC COM 717081103 6497 185442 SH DEFINED 143237 25435 16770 PIEDMONT NAT GAS INC COM 720186105 345 8175 SH DEFINED 7615 230 330 PIMCO FLOATING RATE INC FD 72201H108 25 1275 SH DEFINED 0 0 1275 PITNEY BOWES INC COM 724479100 2355 55290 SH DEFINED 38985 9940 6365 PLUG POWER INC COM 72919P103 138 18000 SH DEFINED 12000 0 6000 PLUM CREEK TIMBER CO INC COM 729251108 50 1544 SH DEFINED 1544 0 0 PNC FINANCIAL SERVICES GROUP 693475105 17 300 SH X 1 300 PNC FINANCIAL SERVICES GROUP 693475105 299 5390 SH X X 1 5390 PNC FINL SVCS GROUP INC COM 693475105 90 1630 SH DEFINED 1630 0 0 POPULAR INC COM 733174106 1 24 SH DEFINED 24 0 0 PPG INDS INC COM 693506107 46 800 SH DEFINED 0 0 800 PPG INDUSTRIES INC 693506107 364 6240 SH X 1 6240 PPG INDUSTRIES INC 693506107 41 700 SH X X 1 700 PRAXAIR INC 74005P104 5843 157399 SH X 1 149579 2275 5545 PRAXAIR INC 74005P104 481 12961 SH X X 1 11020 1941 PRAXAIR INC COM 74005P104 14 400 SH DEFINED 400 0 0 PRICE T ROWE GROUP INC COM 74144T108 2225 41343 SH DEFINED 33965 1610 5768 PROCTER & GAMBLE CO 742718109 11384 108541 SH X 1 103776 1700 3065 PROCTER & GAMBLE CO 742718109 1120 10683 SH X X 1 8902 1781 PROCTER & GAMBLE CO COM 742718109 3066 29239 SH DEFINED 19260 5334 4645 PROGRESS ENERGY IN COM 743263105 47 1000 SH DEFINED 200 800 0 PRUDENTIAL FINL INC COM 744320102 2 53 SH DEFINED 0 53 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 17 ASSETTS AS OF 03/31/04 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) PUBLIC STORAGE INC COM 74460D109 62 1286 SH DEFINED 1286 0 0 PUBLIC SVC ENTERPRISE GROUP 744573106 62 1325 SH DEFINED 1325 0 0 PUGET ENERGY INC NEW COM 745310102 13 600 SH DEFINED 0 0 600 QWEST COMMUNICATIONS INTL 749121109 9 2286 SH DEFINED 1786 0 500 RAYTHEON CO 755111507 12 400 SH DEFINED 400 0 0 REDIFF.COM INDIA LIMITED ADR 757479100 139 12000 SH DEFINED 8000 0 4000 ROYAL DUTCH PETE CO 780257804 1083 22767 SH DEFINED 19212 2248 1307 ROYAL DUTCH PETROLEUM 780257804 211 4430 SH X 1 4430 ROYAL DUTCH PETROLEUM 780257804 394 8286 SH X X 1 8286 RPM INTERNATIONAL INC 749685103 18 1125 SH DEFINED 0 1125 0 SANDISK CORP 80004C101 2 80 SH DEFINED 80 0 0 SARA LEE CORP 803111103 519 23775 SH DEFINED 13160 1755 8860 SBC COMMUNICATIONS INC 78387G103 1277 52046 SH X 1 52046 SBC COMMUNICATIONS INC 78387G103 600 24443 SH X X 1 17910 6533 SBC COMMUNICATIONS INC 78387G103 1544 62927 SH DEFINED 47392 5714 9821 SCANA CORP NEW 80589M102 24 680 SH DEFINED 380 300 0 SCHERING PLOUGH CORP COM 806605101 79 4932 SH DEFINED 3667 0 1265 SCHLUMBERGER LIMITED 806857108 6080 95224 SH X 1 90617 1407 3200 SCHLUMBERGER LIMITED 806857108 589 9223 SH X X 1 8628 595 SCHLUMBERGER LTD COM 806857108 304 4775 SH DEFINED 1005 520 3250 SCHWAB CHARLES CORP NEW COM 808513105 15 1350 SH DEFINED 1350 0 0 SHERWIN WILLIAMS CO COM 824348106 635 16530 SH DEFINED 6490 9960 80 SLM CORP COM 78442P106 1826 43655 SH DEFINED 33685 6930 3040 SONOCO PRODS CO COM 835495102 64 2667 SH DEFINED 2667 0 0 SOUTHERN CO COM 842587107 124 4082 SH DEFINED 2125 800 1157 SOUTHERN UN CO NEW COM 844030106 31 1663 SH DEFINED 0 0 1663 SOUTHWEST AIRLS CO COM 844741108 315 22183 SH DEFINED 18138 1350 2695 SPRINT CORP COM 852061100 93 5100 SH DEFINED 5100 0 0 SPRINT CORP PCS COM SER 1 852061506 23 2500 SH DEFINED 2500 0 0 STANLEY WKS COM 854616109 113 2655 SH DEFINED 1500 0 1155 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 18 ASSETTS AS OF 03/31/04 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) STAPLES INC COM 855030102 1563 61774 SH DEFINED 54774 1850 5150 STATE STR CORP COM 857477103 3920 75202 SH DEFINED 56939 13188 5075 STATE STREET CORP 857477103 7128 136731 SH X 1 131221 1170 4340 STATE STREET CORP 857477103 485 9298 SH X X 1 7001 1071 1226 STRYKER CORP COM 863667101 17 200 SH DEFINED 200 0 0 SUN MICROSYSTEMS COM 866810104 22 5405 SH DEFINED 4390 0 1015 SUNGARD DATA SYS INC COM 867363103 3062 111808 SH DEFINED 88234 9659 13915 SUNTRUST BKS INC COM 867914103 1431 20540 SH DEFINED 12960 4630 2950 SUPERVALU INC COM 868536103 122 4020 SH DEFINED 4020 0 0 SUSQUEHANNA BANCSHARES INC 869099101 90 3512 SH DEFINED 3512 0 0 SYSCO CORP 871829107 7262 185955 SH X 1 175530 2880 7545 SYSCO CORP 871829107 690 17659 SH X X 1 16185 1474 SYSCO CORP COM 871829107 4399 112701 SH DEFINED 75406 14840 22455 TARGET CORP 87612E106 10375 230345 SH X 1 219790 1865 8690 TARGET CORP 87612E106 987 21905 SH X X 1 18221 2484 1200 TARGET CORP COM 87612E106 848 18849 SH DEFINED 15889 125 2835 TECO ENERGY INC COM 872375100 23 1600 SH DEFINED 1600 0 0 TELECOM CORP NEW ZEALAND ADR 879278208 25 800 SH DEFINED 800 0 0 TEVA PHARM INDUS ADR 881624209 5676 89577 SH X 1 85957 745 2875 TEVA PHARM INDUS ADR 881624209 325 5125 SH X X 1 4222 903 TEXAS INSTRS INC COM 882508104 13 450 SH DEFINED 450 0 0 TEXAS INSTRUMENTS 882508104 225 7700 SH X 1 7700 TIFFANY & CO NEW COM 886547108 15 400 SH DEFINED 400 0 0 TIME WARNER INC NEW COM 887317105 29 1750 SH DEFINED 1000 0 750 TRAVELERS PROPERTY CAS CL A 89420G109 2 129 SH DEFINED 129 0 0 TRAVELERS PROPERTY CAS CL B 89420G406 4 266 SH DEFINED 266 0 0 TRIBUNE COMPANY COM 896047107 137 2720 SH DEFINED 2480 240 0 TXU CORP COM 873168108 2 100 SH DEFINED 100 0 0 TYCO INTL LTD NEW COM 902124106 30 1050 SH DEFINED 0 0 1050 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 19 ASSETTS AS OF 03/31/04 COLUNM 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) UIL HLDG CORP COM 902748102 4 100 SH DEFINED 100 0 0 UNILEVER N V N Y SHS NEW 904784709 301 4347 SH DEFINED 4272 75 0 UNION PAC CORP COM 907818108 62 1041 SH DEFINED 1041 0 0 UNION PACIFIC CORP 907818108 224 3750 SH X 1 2950 800 UNION PACIFIC CORP 907818108 157 2625 SH X X 1 225 2400 UNITED PARCEL SERVICE CL B 911312106 2620 37525 SH DEFINED 32095 905 4525 UNITED TECHNOLOGIES CORP 913017109 9044 104798 SH X 1 100448 855 3495 UNITED TECHNOLOGIES CORP 913017109 802 9290 SH X X 1 8215 1075 UNITED TECHNOLOGIES CORP COM 913017109 570 6612 SH DEFINED 3356 2716 540 UNITEDHEALTH GROUP INC COM 91324P102 2387 37055 SH DEFINED 35435 50 1570 UNITIL CORP COM 913259107 394 14250 SH DEFINED 0 0 14250 UNIVERSAL CORP VA COM 913456109 30 600 SH DEFINED 0 0 600 UNOCAL CORP COM 915289102 9 244 SH DEFINED 0 244 0 UNUMPROVIDENT CORP COM 91529Y106 21 1470 SH DEFINED 1470 0 0 US BANCORP DEL COM NEW 902973304 490 17739 SH DEFINED 17589 150 0 VAN KAMPEN MUNICIPAL OPPORT 920935103 22 1300 DEFINED 1300 0 0 VAN KAMPEN SENIOR INCOME TRS 920961109 25 2925 SH DEFINED 0 0 2925 VECTREN CORP COM 92240G101 13 560 SH DEFINED 560 0 0 VERIZON COMMUNICATIONS 92343V104 10948 299611 SH X 1 290136 1985 7490 VERIZON COMMUNICATIONS 92343V104 1863 50989 SH X X 1 42041 7106 1842 VERIZON COMMUNICATIONS COM 92343V104 3659 100142 SH DEFINED 77235 11597 11310 VIACOM INC CL B 925524308 13 350 SH DEFINED 350 0 0 VIACOM INC CL B NON-VOTING 925524308 5703 145458 SH X 1 139711 1325 4422 VIACOM INC CL B NON-VOTING 925524308 459 11705 SH X X 1 10125 1580 VODAFONE GROUP PLC 92857W100 158 6625 SH X 1 6625 VODAFONE GROUP PLC 92857W100 55 2311 SH X X 1 2311 VODAFONE GROUP PLC ADR 92857W100 43 1814 SH DEFINED 0 190 1624 VORNADO RLTY PFD CONV SER A 929042208 65 778 SH DEFINED 778 0 0 VULCAN MATLS CO COM 929160109 61 1305 SH DEFINED 1305 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 20 ASSETTS AS OF 03/31/04 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) WACHOVIA CORP 929903102 265 5644 SH X 1 5644 WACHOVIA CORP 929903102 55 1174 SH X X 1 1174 WACHOVIA CORP 2ND NEW COM 929903102 77 1645 SH DEFINED 1070 175 400 WAL MART STORES INC COM 931142103 808 13551 SH DEFINED 11381 0 2170 WALGREEN CO 931422109 6673 202529 SH X 1 195224 1400 5905 WALGREEN CO 931422109 589 17871 SH X X 1 15060 2011 800 WALGREEN CO COM 931422109 2803 85085 SH DEFINED 59370 7480 18235 WAL-MART STORES INC 931142103 6261 104892 SH X 1 100919 698 3275 WAL-MART STORES INC 931142103 825 13825 SH X X 1 11531 2294 WASHINGTON MUT INC COM 939322103 21 500 SH DEFINED 500 0 0 WASTE MGMT INC DEL COM 94106L109 628 20817 SH DEFINED 20182 300 335 WAYPOINT FINL CORP COM 946756103 214 7990 SH DEFINED 7990 0 0 WEINGARTEN RLTY INVS BEN INT 948741103 63 1822 SH DEFINED 0 0 1822 WELLS FARGO & CO NEW 949746101 10291 181593 SH X 1 174448 1700 5445 WELLS FARGO & CO NEW 949746101 817 14424 SH X X 1 12879 1545 WELLS FARGO & CO NEW COM 949746101 239 4225 SH DEFINED 2600 1000 625 WESTAR ENERGY INC COM 95709T100 4 212 SH DEFINED 212 0 0 WEYERHAEUSER CO COM 962166104 6 100 SH DEFINED 100 0 0 WHOLE FOODS MKT INC COM 966837106 340 4540 SH DEFINED 3130 370 1040 WILMINGTON TRUST CORP COM 971807102 1284 34381 SH DEFINED 24714 7727 1940 WINN DIXIE STORES INC COM 974280109 3 500 SH DEFINED 500 0 0 WYETH 983024100 1560 41555 SH X 1 39955 1600 WYETH 983024100 859 22878 SH X X 1 18978 3200 700 WYETH COM 983024100 1154 30744 SH DEFINED 18022 6212 6510 XCEL ENERGY INC COM 98389B100 54 3085 SH DEFINED 2600 485 ZIMMER HLDGS INC COM 98956P102 127 1730 SH DEFINED 1000 120 610

Filing Compare · CHITTENDEN TRUST CO/VT