-------------------------------------------------------------------------------- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 13F Form 13F COVER PAGE Report for the Calendar Year or Quarter Ended: 9/30/00 ----------- Check here if Amendment [ ]; Amendment Number:___________ This Amendment (Check only one.): [_] is a restatement. [_] adds new holdings entries. Institutional Investment Manager Filing this Report: Name: Keystone Financial Bank N.A. -------------------------------- Address: 1315 11th Ave -------------------------------- P.O. Box 2450 -------------------------------- Altoona PA 16 -------------------------------- Form 13F File Number: 28- _________ The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: Bonnie E. Long ----------------------------------- Title: Trust Operations Officer ----------------------------------- Phone: (814) 944-1195 ----------------------------------- Signature, Place, and Date of Signing: /s/ Bonnie E. Long Altoona PA 11/14/00 ------------------------- ---------------------- ------------ [Signature] [City, State] [Date] Report Type (Check only one.): [X] 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.) [_] 13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).) [_] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).) List of Other Managers Reporting for this Manager: [If there are no entries in this list, omit this section.] Form 13F File Number Name 28- _________________ _______________________ [Repeat as necessary.] -------------------------------------------------------------------------------- Form 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: ________________ Form 13F Information Table Entry Total: ________________ Form 13F Information Table Value Total: $ ________________ (thousands) List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report. [If there are no entries in this list, state "NONE" and omit the column headings and list entries.] No. Form 13F File Number Name 28- ____ _____________________ _____________________________ [Repeat as necessary.]

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 1 AS OF 0609/30/00 ~~- - - - -~~ ...........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) AFLAC CORP 001055102 ~~356~~372 75,750 SH X 75,750 AFLAC CORP 001055102 4158 900 SH X X 900 AMR CORP DEL 001765106 202 6,160 SH X 6,160 AMR CORP DEL 001765106 13 400 SH X X 400 A T & T CORP 001957109 6,~~787~~282 213,~~331~~859 SH X ~~205~~206,~~981~~084 56,~~850~~275 1,500 A T & T CORP 001957109 1,~~342~~230 4241,~~193~~876 SH X X 2529,~~907~~143 1612,~~286~~733 AT & T CORP - LIBERTY MEDIA GROUP A 001957208 ~~278~~206 11,420 SH X 11,420 AT & T CORP - LIBERTY MEDIA GROUP A 001957208 21,~~352~~743 96,496 SH X X 96,496 AT & T CORP - LIBERTY MEDIA GROUP B 001957307 ~~879~~507 27,040 SH X X 27,040 A.S.V. INC 001963107 ~~147~~131 10,200 SH X 10,200 ABBOTT LABORATORIES 002824100 8,~~895~~778 ~~199~~184,~~595~~552 SH X ~~191~~180,~~470~~002 32,~~300~~400 42,~~825~~150 ABBOTT LABORATORIES 002824100 ~~852~~909 19,116 SH X X 2,150 16,966 AFFILIATED COMPUTER SERVICES INC CL A 008190100 ~~271~~418 8,~~177~~377 SH X 5,~~477~~577 2,~~700~~800 A AGILENT TECHNOLOGIES INC ~~00846U101~~COM ~~760~~008460101 10365 7,~~307~~455 SH X 107,~~307~~455 ~~COM~~ AGILENT TECHNOLOGIES INC COM 00846U101 3513 ~~475~~266 SH X X ~~475~~266 ~~COM~~ AIR PRODUCTS & CHEMICALS INC 009158106 ~~876~~1,004 2827,~~250~~875 SH X 2827,~~250~~875 AIR PRODUCTS & CHEMICALS INC 009158106 94109 3,040 SH X X 3,040 ALBERTSONS INC 013104104 ~~432~~167 137,~~001~~961 SH X 137,~~001~~961 ALBERTSONS INC 013104104 2106 605,040 SH X X 605,040 ALCOA INC 013817101 ~~536~~445 1817,~~496~~596 SH X 1817,~~496~~596 ALCOA INC 013817101 5 188 SH X X 188 ALLEGHENY ENERGY INC 017361106 ~~296~~396 10,~~560~~360 SH X 109,~~060~~860 500 ALLEGHENY ENERGY INC 017361106 ~~191~~264 6,~~834~~911 SH X X 6,~~834~~911 ALLSTATE CORPORATION COM 020002101 ~~242~~386 1011,~~868~~118 SH X 10,~~498~~348 400 370 ~~COM~~ ALLSTATE CORPORATION COM 020002101 2017 ~~912~~487 SH X X 462 ~~450~~25 ~~COM ALLTEL CORP 020039103 730 11,790 SH X 11,642 148 ALLTEL CORP 020039103 403 6,500 SH X X 5,500 1,000~~ ---------- PAGE TOTAL 2624,~~822~~126

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 2 AS OF 0609/30/00 ~~- - - - -~~ ...........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) ALLTEL CORP 020039103 477 9,131 SH X 8,983 148 ALLTEL CORP 020039103 339 6,500 SH X X 5,500 1,000 ALZA CORP COMMON 022615108 ~~216~~298 3,~~650~~450 SH X ~~200~~ 3,450 AMERICA ONLINE INC 02364J104 12,~~666~~571 3147,~~660~~841 SH X 3046,~~260~~351 90 1,400 AMERICA ONLINE INC 02364J104 ~~284~~292 5,~~400~~435 SH X X 3,600 1,~~800~~835 AMERICAN ELECTRIC POWER CO 025537101 153 3,910 SH X 3,910 AMERICAN ELECTRIC POWER CO 025537101 48 1,230 SH X X 400 830 AMERICAN EXPRESS 025816109 ~~579~~675 11,106 SH X 11,106 AMERICAN EXPRESS 025816109 ~~141~~164 2,700 SH X X 1,200 1,500 AMERICAN GENERAL CORP 026351106 ~~583~~746 9,559 SH X 9,559 AMERICAN GENERAL CORP 026351106 ~~201~~257 3,300 SH X X 3,300 AMERICAN HOME PRODUCTS INC 026609107 4,~~934~~404 8378,~~982~~032 SH X 8378,~~932~~032 50 AMERICAN HOME PRODUCTS INC 026609107 1,~~233~~184 20,980 SH X X 4,800 16,180 AMERICAN INTERNATIONAL GROUP INC 026874107 1,~~014~~308 813,~~630~~668 SH X 813,~~568~~510 6265 93 AMERICAN INTERNATIONAL GROUP INC 026874107 ~~270~~358 23,~~297~~745 SH X X 23,~~297~~745 AMERICAN WATER WORKS COMPANY INC 030411102 294 10,675 SH X 10,675 AMERICAN WATER WORKS COMPANY INC 030411102 6 200 SH X X 200 AMGEN INC 031162100 2,~~278~~777 3239,~~430~~775 SH X 3239,~~280~~550 75 150 AMGEN INC 031162100 ~~133~~206 12,~~900~~950 SH X X 1,600 ~~300~~1,350 ANALOG DEVICES INC 032654105 ~~975~~1,032 12,~~825~~475 SH X 12,~~825~~475 ANHEUSER BUSCH COS INC 035229103 ~~687~~736 917,~~200~~400 SH X 917,~~200~~400 APPLIED MATERIALS INC 038222105 ~~165~~171 12,~~825~~875 SH X 12,~~825~~875 APPLIED MATERIALS INC 038222105 3630 ~~400~~500 SH X X ~~400~~500 ASSOCIATES FIRST CAPITAL CORP CL A 046008108 ~~166~~197 75,~~452~~184 SH X 75,~~348~~080 104 ASSOCIATES FIRST CAPITAL CORP CL A 046008108 3761 1,~~650~~611 SH X X 1,436 ~~214~~175 AUTOMATIC DATA PROCESSING INC 053015103 2,354 43,944 SH X 41,744 2,200 BAKER HUGHES INC 057224107 382 11,958 SH X 11,958 BANK OF AMERICA CORP 060505104 1,460 33,652 SH X 33,652 BANK OF AMERICA CORP 060505104 1 28 SH X X 28 BANK OF NEW YORK 064057102 2,449 52,674 SH X 52,674 BANK OF NEW YORK 064057102 74 1,600 SH X X 1,600 ---------- PAGE TOTAL 2218,~~318~~784

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 3 AS OF 0609/30/00 - - - - - 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) ~~BANK~~AUTOMATIC ~~ONE~~DATA ~~CORP~~PROCESSING ~~06423A103~~INC ~~358~~053015103 132,~~461~~939 43,944 SH X 1341,~~461~~744 ~~BAXTER~~2,200 ~~INTERNATIONAL~~BAKER HUGHES INC ~~071813109~~057224107 ~~723~~433 1011,~~282~~658 SH X 1011,~~282~~658 ~~BAXTER~~BANK ~~INTERNATIONAL~~OF ~~INC~~AMERICA ~~071813109~~CORP ~~108~~060505104 1,~~539~~740 33,220 SH X ~~X 1~~33,~~539~~220 ~~BELL~~BANK ~~ATLANTIC~~OF AMERICA CORP ~~077853109~~060505104 81 28 SH X X 28 BANK OF NEW YORK 064057102 2,~~886~~920 ~~174~~51,~~453~~674 SH X ~~165~~51,~~402~~674 2BANK OF NEW YORK 064057102 90 1,~~151~~600 6SH X X 1,~~900~~600 ~~BELL~~BANK ~~ATLANTIC~~ONE CORP ~~077853109~~06423A103 ~~1,458~~464 2812,~~618~~191 SH X 12,191 BAXTER INTERNATIONAL INC 071813109 817 10,240 SH X 2010,~~098~~240 8BAXTER INTERNATIONAL INC 071813109 123 1,~~520~~539 SH X X 1,539 BELLSOUTH CORP 079860102 7,~~620~~023 ~~178~~173,~~772~~405 SH X ~~173~~167,~~824~~932 45,~~948~~473 BELLSOUTH CORP 079860102 1,~~747~~640 40,~~992~~492 SH X X 20,~~166~~516 2019,~~826~~976 BESTFOODS 08658U101 1,~~970~~923 2826,~~446~~430 SH X 2826,~~446~~430 ~~BESTFOODS 08658U101 59 848 SH X X 448 400~~ BLACKROCK PENN TAX FR INC-I 091928622 ~~220~~140 2113,~~025~~245 SH X 2113,~~025~~245 BOEING COMPANY 097023105 1,~~025~~525 24,~~522~~298 SH X 24,~~522~~298 BOEING COMPANY 097023105 4269 1,~~000~~100 SH X X 1,~~000~~100 BRISTOL MYERS SQUIBB CO 110122108 5,~~468~~160 9389,~~869~~744 SH X 9186,~~069~~944 2,800 BRISTOL MYERS SQUIBB CO 110122108 1,~~560~~448 2625,~~780~~180 SH X X 1413,~~740~~940 1211,~~040~~240 BROADWING INC 111620100 ~~811~~869 3133,~~125~~975 SH X 3133,~~125~~975 BURLINGTON NORTHERN SANTA FE INC 12189T104 ~~385~~282 1613,~~570~~070 SH X 1613,~~570~~070 BURLINGTON NORTHERN SANTA FE INC 12189T104 3363 12,~~400~~900 SH X X 12,~~250~~750 150 C-COR.NET CORP 125010108 ~~168~~89 65,~~220~~820 SH X 65,~~220~~820 C-COR.NET CORP 125010108 21,~~517~~428 93,222 SH X X 89,222 4,000 C P & L ENERGY INC 12614C106 ~~129~~168 4,026 SH X 4,026 COM C P & L ENERGY INC 12614C106 86113 2,700 SH X X 2,700 COM CSX CORP 126408103 ~~281~~215 139,~~269~~869 SH X 139,~~069~~669 200 ~~CSX CORP 126408103 114 5,365 SH X X 2,500 2,325 540 CAPITAL ONE FINANCIAL CORP 14040H105 214 4,800 SH X 2,500 2,300 CARLISLE COMPANIES INC 142339100 1,247 27,700 SH X 27,700~~ ---------- PAGE TOTAL 3731,~~229~~682

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 4 AS OF 0609/30/00 - - - - - 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) CSX CORP 126408103 117 5,365 SH X X 2,500 2,325 540 CAPITAL ONE FINANCIAL CORP 14040H105 336 4,800 SH X 2,500 2,300 CARLISLE COMPANIES INC 142339100 181,108 26,700 SH X 26,700 CARLISLE COMPANIES INC 142339100 17 408 SH X X 408 CARNIVAL CORPORATION 143658102 2,~~129~~675 ~~109~~108,~~175~~625 SH X 108,~~925~~375 250 CARNIVAL CORPORATION 143658102 3241 1,650 SH X X 1,650 CATERPILLAR INC 149123101 ~~393~~347 11,~~600~~200 SH X 11,~~500~~100 100 CATERPILLAR INC 149123101 2019 600 SH X X 600 CHASE MANHATTAN CORP NEW 16161A108 2,~~501~~582 5455,~~306~~901 SH X 5153,~~718~~314 900 1,687 CHASE MANHATTAN CORP NEW 16161A108 28 600 SH X X 600 CHEVRON CORP 166751107 1,~~045~~027 12,~~299~~049 SH X 11,~~599~~349 700 CHEVRON CORP 166751107 ~~238~~235 2,~~806~~756 SH X X 600 2,~~206~~156 CIRCUIT CITY STORES-CIRCUIT CITY 172737108 ~~672~~986 2042,~~250~~850 SH X 2042,~~100~~700 150 GROUP CIRCUIT CITY STORES-CIRCUIT CITY 172737108 75 200 SH X X 200 GROUP CISCO SYSTEMS INC 17275R102 1110,~~964~~414 188,~~230~~490 SH X 187,~~490~~730 60160 ~~680~~600 CISCO SYSTEMS INC 17275R102 1,~~998~~702 3130,~~440~~800 SH X X 2625,~~400~~900 54,~~040~~900 CITIGROUP INC 172967101 56,~~750~~851 95126,~~146~~716 SH X 93124,~~593~~913 1,~~553~~803 CITIGROUP INC 172967101 ~~607~~762 1014,~~047~~093 SH X X 68,~~572~~761 35,~~475~~332 CITRIX SYSTEMS INC 177376100 12,~~003~~005 5299,~~965~~935 SH X 5299,~~965~~635 300 CITRIX SYSTEMS INC 177376100 6252 32,~~300~~575 SH X X 12,~~900~~575 ~~1,400 CLEAR CHANNEL COMMUNICATIONS INC 184502102 225 3,000 SH X X 3,000~~ COASTAL CORP 190441105 1,~~421~~410 2319,~~350~~025 SH X 2318,~~000~~675 350 COCA COLA 191216100 43,~~325~~998 7572,~~297~~523 SH X 6866,~~997~~223 1,950 4,350 COCA COLA 191216100 1,~~458~~388 25,~~377~~177 SH X X 23,~~662~~462 1,715 COLGATE-PALMOLIVE CO 194162103 1,~~361~~073 22,728 SH X 22,728 COLGATE-PALMOLIVE CO 194162103 ~~479~~378 8,000 SH X X 8,000 ~~COLORADO MEDTECH INC 19652U104 115 18,200 SH X 5,500 12,700 COMMUNITY BKS INC MILLERSBURG PA 203628102 377 18,059 SH X 18,059~~ ---------- PAGE TOTAL 3839,~~228~~556

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 5 AS OF 0609/30/00 - - - - - 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) ~~COMPAQ~~COLORADO ~~COMPUTER~~MEDTECH ~~CORP~~INC ~~204493100~~19652U104 ~~749~~110 2912,~~282~~900 SH X 265,~~182~~500 37,~~100~~400 ~~COMPAQ~~COMMUNITY ~~COMPUTER~~BKS ~~CORP~~INC ~~204493100~~MILLERSBURG ~~125~~PA 4203628102 381 18,~~900~~059 SH X ~~X 4~~18,~~150~~059 ~~750~~COMPAQ COMPUTER ~~ASSOCIATES~~CORP ~~204912109~~204493100 ~~452~~688 824,~~833~~982 SH X 621,~~733~~882 23,100 COMPAQ COMPUTER ~~ASSOCIATES~~CORP ~~204912109~~204493100 41124 ~~800~~4,500 SH X X ~~500~~3,750 ~~300~~750 COMPUTER NETWORK TECHNOLOGY CORP 204925101 ~~847~~1,401 4840,750 SH X 4133,500 7,250 COMPUWARE CORP 205638109 ~~810~~608 7872,~~075~~650 SH X 6358,~~375~~350 14,~~700~~300 COMPUWARE CORP 205638109 9463 97,~~050~~500 SH X X 76,~~100~~300 1,~~950~~200 CONAGRA FOODS INC 205887102 ~~1,356~~724 7136,~~144~~069 SH X 6734,~~744~~069 ~~1,400~~ 2,000 CONECTIV INC 206829103 ~~119~~136 7,~~648~~589 SH X 7,~~648~~589 CONECTIV INC 206829103 5564 3,550 SH X X 3,550 ~~CONEXANT SYSTEMS INC 207142100 209 4,308 SH X 4,308 CONEXANT SYSTEMS INC 207142100 7 144 SH X X 144~~ CONOCO INC CL B 208251405 ~~359~~333 1412,~~615~~378 SH X 1412,~~615~~378 CONSOLIDATED EDISON INC 209115104 ~~416~~459 1413,~~039~~439 SH X 1413,~~039~~439 CONSOLIDATED EDISON INC 209115104 3338 1,100 SH X X 500 600 CONSTELLATION ENERGY GROUP 210371100 12,~~657~~222 5044,~~875~~650 SH X 5044,~~875~~650 CONSTELLATION ENERGY GROUP 210371100 ~~401~~613 12,325 SH X X 7,400 4,325 600 CORNING INC 219350105 30 100 SH X 100 CORNING INC 219350105 193 650 SH X X 400 250 ALLEN DISTRIBUTION 14.85% INTEREST 2307603Y4 1,804 3 SH X 3 LTD PARTNERSHIP STEINER & STEINER GENERAL 2307706Y0 250 1 SH X 1 PARTNERSHIP BIOWORKS INC SERIES B 2307857Y7 50 20,000 SH X 20,000 CONV PFD ONE-HALF INTEREST ANTHONY & JOSEPH 2309423Y8 21 21,427 SH X X 21,427 D'ANGELO PARTNERSHIP DELAWARE GROUP TAX FREE PA FUND A 233216100 ~~208~~288 2737,519 SH X 2737,519 CLASS DELAWARE GROUP TAX FREE PA FUND A 233216100 6970 9,064 SH X X 9,064 CLASS DQE INC 23329J104 ~~245~~580 614,~~215~~440 SH X 514,~~915~~015 ~~300~~425 ~~DANAHER~~DQE ~~CORP~~INC ~~235851102~~23329J104 52 1,~~597 32,~~300 SH X ~~29,550~~X ~~50 2~~1,~~700~~300 ---------- PAGE TOTAL 11,~~974~~302

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 6 AS OF 0609/30/00 - - - - - 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 491,620 32,560 SH X 32,035 125 400 DANAHER CORP 235851102 55 1,~~000~~100 SH X X ~~500~~600 500 DATASTREAM SYSTEMS INC 238124101 179 13,900 SH X 2,100 11,800 DEERE & CO 244199105 ~~601~~245 167,~~246~~366 SH X 167,~~146~~366 ~~100~~ DEERE & CO 244199105 447 1,200 SH X X ~~700~~200 ~~500~~ DELL COMPUTER CORP 247025109 ~~1,690~~942 3430,~~265~~565 SH X 2724,~~765~~065 6,500 DELL COMPUTER CORP 247025109 2012 400 SH X X 400 DIGI INTERNATIONAL INC 253798102 6579 10,000 SH X 10,000 DISNEY (WALT) COMPANY HOLDING CO 254687106 54,~~102~~860 ~~131~~127,~~457~~067 SH X ~~126~~122,~~632~~092 1,~~350~~500 3,475 DISNEY (WALT) COMPANY HOLDING CO 254687106 1,~~205~~178 3130,~~050~~800 SH X X 27,200 3,~~850~~600 DOMINION RESOURCES INC VA 25746U109 ~~622~~808 1413,~~509~~909 SH X 1413,~~509~~909 DOMINION RESOURCES INC VA 25746U109 ~~169~~229 3,937 SH X X 1,211 1,999 727 DOVER CORP 260003108 ~~450~~521 11,100 SH X 11,100 DOVER CORP 260003108 ~~373~~432 9,200 SH X X 9,200 DOW CHEMICAL 260543103 21,~~127~~760 6970,~~464~~559 SH X 6769,~~559~~434 1,~~905~~125 DOW CHEMICAL 260543103 ~~230~~187 7,500 SH X X 3,000 4,500 DUPONT E I DE NEMOURS & COMPANY 263534109 43,~~345~~741 9891,~~855~~518 SH X 9285,~~689~~322 2,~~270~~300 3,896 DUPONT E I DE NEMOURS & COMPANY 263534109 ~~293~~258 6,~~670~~320 SH X X 5,~~445~~095 1,225 DUKE ENERGY CORP 264399106 ~~508~~900 810,~~947~~497 SH X 810,~~947~~497 DUKE ENERGY CORP 264399106 ~~106~~160 1,865 SH X X 1,233 632 EMC CORP MASS 268648102 89,~~310~~397 ~~107~~94,~~917~~442 SH X ~~105~~91,~~057~~607 60135 2,~~800~~700 EMC CORP MASS 268648102 ~~447~~590 5,~~800~~925 SH X X 3,000 2,~~800~~925 EASTMAN KODAK CO 277461109 ~~215~~148 3,609 SH X 3,~~359~~459 ~~250~~150 EASTMAN KODAK CO 277461109 9762 1,~~625~~513 SH X X 1,~~275~~163 300 50 EATON CORP 278058102 ~~912~~351 135,~~617~~702 SH X 125,~~617~~702 ~~350 650 EL PASO ENERGY CORP 283905107 345 6,778 SH X 3,478 3,300 EMERSON ELECTRIC 291011104 1,429 23,669 SH X 23,669~~ ---------- PAGE TOTAL 2928,~~754~~721

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 7 AS OF 0609/30/00 - - - - - 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) EL PASO ENERGY CORP 283905107 418 6,778 SH X 3,478 3,300 ELECTRONIC DATA SYSTEMS CORP 285661104 192 4,638 SH X 4,638 ELECTRONIC DATA SYSTEMS CORP 285661104 17 400 SH X X 400 EMERSON ELECTRIC 291011104 481,693 ~~800~~25,269 SH X 25,269 EMERSON ELECTRIC 291011104 64 950 SH X X 200 ~~600~~750 ENRON CORP 293561106 ~~226~~307 3,500 SH X 3,500 ENRON CORP 293561106 ~~218~~296 3,380 SH X X 380 3,000 EXXON MOBIL CORP 30231G102 2123,~~338~~371 ~~271~~262,~~827~~281 SH X ~~268~~259,~~843~~443 50 2,~~984~~788 EXXON MOBIL CORP 30231G102 5,~~038~~654 6463,~~177~~451 SH X X 17,068 3231,~~515~~789 14,594 FPL GROUP INC 302571104 1,~~266~~595 2524,~~475~~250 SH X 2524,~~275~~050 200 FPL GROUP INC 302571104 7092 1,400 SH X X 1,400 FEDERAL HOME LOAN MTGE CORP 313400301 ~~215~~287 5,300 SH X 5,300 FANNIE MAE 313586109 34,~~207~~569 6163,~~295~~900 SH X 5961,~~545~~365 185 2,~~750~~450 FANNIE MAE 313586109 ~~406~~543 7,~~770~~600 SH X X 5,~~300~~500 2,~~470~~100 FEDERATED PA MUNI INCOME FUND A #311 313923708 1,~~808~~785 ~~166~~162,~~183~~387 SH X ~~166~~162,~~183~~387 FEDERATED PA MUNI INCOME FUND A #311 313923708 ~~105~~125 911,~~658~~391 SH X X 92,~~658~~633 8,758 FEDERATED #9 US GOVT SEC (1-3 YRS) 31428M100 ~~498~~502 48,~~379~~507 SH X 48,~~379~~507 FEDERATED #47 U.S. GOVERNMENT SEC 31428P103 ~~369~~341 3532,~~489~~415 SH X 2623,~~242~~168 9,246 (2-5 YRS) FUND FEDEX CORP 31428X106 ~~462~~510 1211,~~150~~500 SH X 1211,~~150~~500 FIRST LEESPORT BANCORP 320682107 ~~647~~451 4232,~~947~~810 SH X ~~10,347~~210 32,600 FIRST SENTINEL BANCORP INC 33640T103 8295 10,000 SH X 10,000 FIRST UNION CORP N CAROLINA 337358105 4,~~470~~731 ~~180~~146,~~129~~987 SH X ~~178~~145,~~529~~387 700 900 FIRST UNION CORP N CAROLINA 337358105 ~~718~~864 2826,~~955~~842 SH X X 1013,~~440~~022 1713,~~705~~010 810 FIRST UNITED CORP 33741H107 ~~166~~164 15,267 SH X 15,267 FIRST UNITED CORP 33741H107 5150 4,677 SH X X 2,627 2,050 FIRST VIRGINIA BANKS INC 337477103 209 6,000 SH X X 1,500 4,500 FLEETBOSTON FINANCIAL CORP 339030108 1,287 37,853 SH X 35,453 2,400 FLEETBOSTON FINANCIAL CORP 339030108 227 6,678 SH X X 3,326 3,352 FLORIDA PROGRESS CORP 341109106 218 4,650 SH X 4,650 ---------- PAGE TOTAL 4348,~~349~~716

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 8 AS OF 0609/30/00 - - - - - 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) FIRST VIRGINIA BANKS INC 337477103 256 6,000 SH X X 1,500 4,500 FLEETBOSTON FINANCIAL CORP 339030108 1,543 39,563 SH X 39,563 FLEETBOSTON FINANCIAL CORP 339030108 260 6,678 SH X X 3,326 3,352 FLORIDA PROGRESS CORP 341109106 80246 4,650 SH X 4,650 FLORIDA PROGRESS CORP 341109106 90 1,700 SH X X 200 1,500 FORD ~~MOTOR~~MTR ~~345370100~~CO ~~959~~DEL 22345370860 1,~~295~~405 55,104 SH X 2155,~~895~~104 ~~400~~ FORD ~~MOTOR~~MTR ~~345370100~~CO ~~201~~DEL 4345370860 187 7,~~663~~318 SH X X 31,~~448~~048 15,~~215~~571 699 FRANKLIN FINL SVCS CORP 353525108 ~~354~~250 2114,~~197~~688 SH X 147,~~197~~688 7,000 FRANKLIN TAX FREE TR PA TAX FREE 354723801 ~~318~~322 32,604 SH X 32,604 INCOME FUND FULTON FINANCIAL INC 360271100 1,~~007~~107 5655,~~934~~858 SH X 35,~~912~~336 2120,~~022~~522 FULTON FINANCIAL INC 360271100 ~~521~~584 29,455 SH X X 29,455 ~~GTE CORP 362320103 5,124 82,309 SH X 81,759 300 250 GTE CORP 362320103 1,260 20,238 SH X X 7,348 12,890~~ GAP INC 364760108 1,~~720~~080 5553,~~026~~674 SH X 4948,~~876~~899 1,025 43,~~125~~750 ~~GAP INC 364760108 47 1,500 SH X X 1,500~~ GENERAL ELECTRIC CO 369604103 3537,~~495~~681 ~~677~~651,~~703~~779 SH X ~~649~~624,~~318~~194 13,~~950~~150 14,435 GENERAL ELECTRIC CO 369604103 910,~~830~~617 ~~187~~183,~~690~~645 SH X X 9997,~~840~~890 8785,~~850~~755 GENERAL MILLS INC 370334104 ~~247~~285 68,~~470~~038 SH X 68,~~470~~038 GENERAL MILLS INC 370334104 1514 400 SH X X 400 GENERAL MOTORS CORP 370442105 ~~769~~887 13,~~255~~653 SH X 13,~~055~~453 200 GENERAL MOTORS CORP 370442105 ~~132~~129 21,~~278~~986 SH X X 1,468 ~~810~~518 GENERAL MOTORS CORP CL H NEW 370442832 ~~155~~182 14,~~762~~890 SH X 14,~~762~~890 GENERAL MOTORS CORP CL H NEW 370442832 4849 ~~545~~1,329 SH X X ~~263~~789 ~~282~~540 GENESIS HEALTH VENTURES INC 371912106 2 10,500 SH X 10,500 GENRAD INC 372447102 ~~141~~173 15,700 SH X 4,500 11,200 GILLETTE CO 375766102 1,~~396~~237 3940,~~966~~066 SH X 39,~~366~~466 600 GILLETTE CO 375766102 ~~285~~252 8,170 SH X X 5,420 2,750 GLATFELTER P H CO 377316104 ~~331~~394 32,500 SH X 32,500 ~~GLIMCHER REALTY TRUST 379302102 171 11,904 SH X 11,904~~ ---------- PAGE TOTAL 6059,~~608~~232

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 9 AS OF 0609/30/00 - - - - - 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) GLIMCHER REALTY TRUST 379302102 178 11,904 SH X 11,904 GOVERNMENT SECS INCOME FD 383743580 2 61,079 SH X 61,079 UNIT GNMA G GOVERNOR LIMITED DURATION 383757408 7069,~~898~~699 7,~~316~~170,~~612~~632 SH X 7,~~246~~117,~~106~~878 2423,~~404~~810 4628,~~100~~943 GOVERNMENT SECURITIES FUND GOVERNOR LIMITED DURATION 383757408 1,~~064~~133 ~~109~~116,~~756~~543 SH X X 1819,~~441~~133 8995,~~367~~463 1,946 GOVERNMENT SECURITIES FUND GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 72,~~395~~043 7,~~409~~336,~~903~~382 SH X 7,~~368~~301,~~214~~376 2519,~~851~~168 15,837 BOND FUND GOVERNOR PENNSYLVANIA MUNICIPAL 383757507 14,~~760~~739 1,~~510~~500,~~788~~934 SH X X ~~201~~200,~~317~~305 1,~~301~~292,~~311~~843 87,~~159~~785 BOND FUND GOVERNOR INTERMEDIATE TERM INCOME 383757606 ~~235~~232,~~303~~750 25,~~632~~107,~~163~~901 SH X 2524,~~378~~894,~~010~~704 ~~121~~104,~~384~~432 ~~132~~108,~~768~~763 FUND GOVERNOR INTERMEDIATE TERM INCOME 383757606 6,~~568~~261 ~~715~~675,~~489~~414 SH X X ~~142~~141,~~988~~673 ~~526~~488,~~973~~429 45,~~527~~311 FUND ~~HALIFAX NATIONAL BANK OF PA 405846106 360 720 SH X 720~~ HALLIBURTON CO 406216101 2,~~163~~600 4553,~~831~~123 SH X 4451,~~756~~973 ~~525~~700 ~~550~~450 HALLIBURTON CO 406216101 ~~452~~469 9,587 SH X X 1,500 7,900 187 HARTFORD FINANCIAL SERVICES GROUP 416515104 3951 700 SH X 700 INC HARTFORD FINANCIAL SERVICES GROUP 416515104 ~~168~~219 3,006 SH X X 2,000 1,006 INC HEINZ H J CO 423074103 2,~~863~~414 65,~~442~~142 SH X 6264,~~692~~392 750 ~~2,000~~ HEINZ H J CO 423074103 ~~398~~337 9,100 SH X X 1,950 7,150 HERSHEY FOODS CORP 427866108 1,~~245~~399 25,~~660~~843 SH X 25,~~660~~843 HERSHEY FOODS CORP 427866108 ~~769~~858 15,850 SH X X 9,400 6,450 HEWLETT PACKARD CO 428236103 32,~~380~~888 2729,~~071~~621 SH X 2628,~~071~~621 1,000 HEWLETT PACKARD CO 428236103 ~~156~~138 1,~~250~~415 SH X X 400 ~~850~~1,015 HOME DEPOT INC 437076102 1,~~024~~085 20,500 SH X 20,500 HOME DEPOT INC 437076102 ~~412~~437 8,251 SH X X 6,301 1,950 HONEYWELL INTL INC 438516106 1,~~763~~574 5244,~~321~~192 SH X 5244,~~221~~092 100 ~~HONEYWELL INTL INC 438516106 47 1,400 SH X X 1,400~~ HOOPER HOLMES INC 439104100 ~~111~~143 1315,~~900~~000 SH X 56,~~700~~400 8,~~200~~600 HUMAN GENOME SCIENCES INC 444903108 ~~400~~519 3,000 SH X X 3,000 ~~HUTCHINSON~~HUNTINGTON ~~TECHNOLOGY~~BANCSHARES INC ~~448407106~~446150104 ~~456~~99 326,~~000~~748 SH X 286,~~600~~748 ~~3,400~~HUNTINGTON ~~INTEGRA~~BANCSHARES ~~LIFESCIENCES~~INC ~~HOLDING~~446150104 ~~CORP~~54 ~~457985208 233 23~~3,~~400~~659 SH X ~~18,750~~X 43,~~650~~659 ---------- PAGE TOTAL ~~417~~412,~~427~~089

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 10 AS OF 0609/30/00 - - - - - 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) HUTCHINSON TECHNOLOGY INC 448407106 672 31,900 SH X 28,600 3,300 INTEGRA LIFESCIENCES HOLDING CORP 457985208 236 21,950 SH X 18,750 3,200 INTEL CORP 458140100 2213,~~194~~125 ~~166~~315,~~017~~784 SH X ~~162~~309,~~942~~744 25,~~925~~740 ~~150~~300 INTEL CORP 458140100 1,~~984~~247 1430,~~840~~005 SH X X 816,~~320~~640 613,~~520~~365 FEDERATED #78 INTERMEDIATE MUNI 458810108 ~~568~~573 56,594 SH X 56,594 FUND INTERNATIONAL BUSINESS MACHINES 459200101 7,~~324~~205 6663,~~851~~976 SH X 6360,~~851~~976 1,900 1,100 CORP INTERNATIONAL BUSINESS MACHINES 459200101 3,~~174~~246 28,~~974~~824 SH X X 17,548 11,~~426~~276 CORP INTERNATIONAL PAPER CO 460146103 ~~871~~747 2926,~~231~~031 SH X 2926,~~231~~031 INTERNATIONAL PAPER CO 460146103 9592 3,200 SH X X 3,200 INTERNATIONAL RECTIFIER CORP 460254105 572 11,325 SH X 11,325 JLG INDUSTRIES INC 466210101 ~~247~~254 20,842 SH X 20,842 JOHNSON & JOHNSON 478160104 109,~~630~~847 104,~~340~~822 SH X 102,~~294~~701 ~~800~~875 1,246 JOHNSON & JOHNSON 478160104 1,~~311~~233 1213,~~872~~122 SH X X 9,547 3,~~325~~575 KEYSTONE FINANCIAL INC 493482103 4140,~~723~~403 1,~~963~~857,~~421~~586 SH X 1,~~197~~107,~~878~~663 ~~765~~749,~~542~~923 KEYSTONE FINANCIAL INC 493482103 7,~~140~~117 ~~335~~327,~~982~~234 SH X X 1620,~~195~~206 ~~319~~307,~~787~~028 KIMBERLY CLARK CORP 494368103 ~~866~~768 1513,~~091~~767 SH X 1413,~~343~~019 748 KIMBERLY CLARK CORP 494368103 ~~204~~198 3,550 SH X X 3,550 LEGGETT & PLATT INC 524660107 ~~330~~316 20,000 SH X 20,000 LILLY ELI & CO 532457108 21,~~560~~825 2522,~~630~~490 SH X 2219,~~740~~990 1,200 1,~~690~~300 LILLY ELI & CO 532457108 ~~175~~142 1,750 SH X X 650 1,100 LIMITED INC 532716107 ~~216~~221 10,000 SH X X 10,000 LINEAR TECHNOLOGY CORP 535678106 1,~~113~~127 17,400 SH X 17,400 LINEAR TECHNOLOGY CORP 535678106 ~~141~~142 2,200 SH X X 2,200 LOCKHEED MARTIN CORP 539830109 ~~461~~575 1817,~~590~~452 SH X 1817,~~590~~452 LOWE'S COMPANIES INC 548661107 ~~197~~184 4,~~775~~100 SH X 43,~~475~~900 ~~300~~200 ~~LOWE'S COMPANIES INC 548661107 41 1,000 SH X X 1,000 LUCENT TECHNOLOGIES INC 549463107 13,995 238,210 SH X 229,732 7,828 650 LUCENT TECHNOLOGIES INC 549463107 1,667 28,367 SH X X 16,676 11,691~~ ---------- PAGE TOTAL ~~119~~92,~~227~~067

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 11 AS OF 0609/30/00 - - - - - 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) LOWE'S COMPANIES INC 548661107 45 1,000 SH X X 1,000 LUCENT TECHNOLOGIES INC 549463107 7,525 246,725 SH X 237,397 8,728 600 LUCENT TECHNOLOGIES INC 549463107 820 26,882 SH X X 18,276 8,606 MFS PENNSYLVANIA MUNICIPAL BOND 55273N798 ~~151~~153 16,142 SH X 16,142 FUND A MAIN STREET BANCORP INC 559906102 ~~440~~197 4923,~~522~~678 SH X 4923,~~522~~678 MAIN STREET BANCORP INC 559906102 1514 1,685 SH X X 1,685 MAY DEPARTMENT STORES CO INC 577778103 ~~217~~189 9,~~062~~238 SH X 9,~~062~~238 MAY DEPARTMENT STORES CO INC 577778103 1815 750 SH X X 750 MCDONALDS CORP 580135101 2,~~254~~035 6867,418 SH X 6766,018 1,400 MCDONALDS CORP 580135101 ~~196~~139 54,~~956~~608 SH X X ~~2,338~~990 3,618 ~~MEDIAONE~~MCLEODUSA ~~GROUP~~ INC ~~58440J104~~CL ~~762~~A 11582266102 410 28,~~432~~640 SH X 1128,~~132~~340 300 ~~MEDIAONE~~MCLEODUSA ~~GROUP~~ INC ~~58440J104~~CL ~~238~~A 3582266102 29 2,~~575~~000 SH X X 2,~~354~~000 ~~1,221~~ MEDTRONIC INC 585055106 3,~~086~~583 6169,~~944~~159 SH X 5865,~~244~~659 ~~600~~700 32,~~100~~800 MEDTRONIC INC 585055106 ~~179~~232 34,~~600~~475 SH X X 3,600 875 MELLON FINANCIAL CORP 58551A108 8551 21,~~320~~100 SH X 21,~~320~~100 MELLON FINANCIAL CORP 58551A108 ~~285~~362 7,812 SH X X 2,672 1,140 4,000 ~~MENTOR CORP 587188103 211 7,750 SH X 5,300 2,450~~ MERCANTILE BANKSHARES CORP 587405101 ~~454~~553 15,225 SH X 15,225 MERCERSBURG FINANCIAL CORP 58817A108 6470 1,600 SH X 1,600 MERCERSBURG FINANCIAL CORP 58817A108 ~~405~~440 10,120 SH X X 10,120 MERCK & COMPANY INC 589331107 1413,~~181~~573 ~~185~~182,~~064~~334 SH X ~~178~~175,~~224~~639 2,~~200~~230 4,~~640~~465 MERCK & COMPANY INC 589331107 2,~~532~~466 33,~~050~~125 SH X X 15,550 17,~~500~~575 MERRILL LYNCH & CO INC 590188108 12,~~978~~270 1734,~~200~~400 SH X 1734,~~200~~400 MICROSOFT CORP 594918104 108,~~603~~022 ~~132~~133,~~540~~005 SH X 132,~~180~~570 ~~285~~360 75 MICROSOFT CORP 594918104 ~~310~~234 3,875 SH X X 2,100 1,775 MINNESOTA MINING & MANUFACTURING 604059105 1,~~385~~504 16,~~750~~500 SH X 16,~~550~~300 200 CO ~~MINNESOTA MINING & MANUFACTURING 604059105 229 2,767 SH X X 1,048 1,415 304 CO MODIS PROFESSIONAL SERVICES INC 607830106 104 13,650 SH X 3,750 9,900~~ ---------- PAGE TOTAL 4044,~~382~~931

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 12 AS OF 0609/30/00 - - - - - 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) MINNESOTA MINING & MANUFACTURING 604059105 252 2,767 SH X X 1,048 1,415 304 CO MODIS PROFESSIONAL SERVICES INC 607830106 71 13,650 SH X 3,750 9,900 MORGAN J P & CO INC 616880100 12,~~632~~393 14,~~820~~645 SH X 14,~~500~~325 320 MORGAN J P & CO INC 616880100 4465 400 SH X X 300 100 MORGAN STANLEY DEAN WITTER & CO 617446448 6,~~367~~685 7673,~~476~~106 SH X 7369,~~376~~656 450 3,~~100~~000 MORGAN STANLEY DEAN WITTER & CO 617446448 ~~185~~147 21,~~228~~608 SH X X ~~1,188~~988 ~~1,040~~620 MOTOROLA INC 620076109 4,~~609~~743 ~~153~~160,~~633~~782 SH X ~~142~~151,~~758~~232 34,~~825~~250 75,~~050~~300 MOTOROLA INC 620076109 ~~198~~189 6,~~600~~400 SH X X 3,000 3,~~600~~400 MUTUAL CONSUMER DISCOUNT CO 628247892 78 13,780 SH X 13,780 CLASS A NAVIGANT CONSULTING INC 63935N107 5285 1224,~~300~~600 SH X 1224,~~300~~600 NEOSE TECHNOLOGIES INC 640522108 ~~326~~375 7,750 SH X 7,750 ~~NEW CENTURY ENERGIES INC 64352U103 488 16,265 SH X 16,265 NEW CENTURY ENERGIES INC 64352U103 30 1,000 SH X X 1,000~~ NIKE INC C/B 654106103 ~~496~~350 128,~~465~~740 SH X 128,~~215~~540 ~~250~~200 NORDSTROM INC 655664100 ~~309~~199 12,800 SH X 12,800 NORFOLK SOUTHERN CORP 655844108 ~~172~~160 1110,~~562~~962 SH X 1110,~~562~~962 NORFOLK SOUTHERN CORP 655844108 ~~131~~113 87,~~810~~760 SH X X 7,~~281~~131 ~~900~~ 629 NOVELLUS SYSTEMS INC 670008101 268 5,750 SH X 5,750 OMEGA FINANCIAL CORP 682092101 86103 3,407 SH X 3,407 OMEGA FINANCIAL CORP 682092101 ~~448~~536 17,730 SH X X 12,000 5,730 ORACLE CORPORATION 68389X105 ~~347~~1,443 418,~~128~~328 SH X 418,~~128~~328 ORACLE CORPORATION 68389X105 221 2,800 SH X X 2,400 400 PECO ENERGY CO 693304107 ~~351~~527 8,698 SH X 8,698 PECO ENERGY CO 693304107 2944 725 SH X X 78 100 547 PE CORP-PE BIOSYSTEMS GROUP 69332S102 ~~693~~1,011 108,~~500~~675 SH X 108,~~500~~675 PNC FINANCIAL SERVICES GROUP 693475105 23,~~987~~251 6350,~~719~~019 SH X 5945,~~048~~648 4,~~671~~371 PNC FINANCIAL SERVICES GROUP 693475105 ~~357~~726 711,~~625~~175 SH X X 26,~~470~~020 5,155 ~~PPG INDUSTRIES INC 693506107 2,032 45,858 SH X 45,758 100 PPG INDUSTRIES INC 693506107 126 2,844 SH X X 1,376 1,468~~ ---------- PAGE TOTAL 2223,~~502~~965

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 13 AS OF 0609/30/00 - - - - - 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) ~~PPL~~PPG ~~CORP~~INDUSTRIES ~~69351T106~~INC 2693506107 1,~~645~~434 ~~120~~36,~~574~~123 SH X ~~120~~35,~~374~~973 ~~200~~50 ~~PPL~~100 ~~CORP~~PPG ~~69351T106~~INDUSTRIES ~~389~~INC 17693506107 103 2,~~729~~601 SH X X 171,~~729~~376 ~~PSC~~1,225 ~~INC~~PPL ~~69361E107~~CORP 8969351T106 105,~~950~~078 121,580 SH X 6121,~~200~~180 4400 PPL CORP 69351T106 793 18,~~750~~979 ~~PAINE~~SH ~~WEBBER~~X ~~GROUP~~X 1,800 17,179 PSC INC ~~695629105~~69361E107 ~~673~~32 1410,~~782~~700 SH X 146,~~782~~200 4,500 PALL CORP 696429307 ~~185~~199 10,000 SH X X 10,000 ~~PARLEX~~PALM ~~CORP~~INC ~~701630105~~696642107 ~~297~~326 76,~~050~~154 SH X 36,~~250~~154 ~~3,800~~PALM INC 696642107 24 444 SH X X 444 PEPSICO INC 713448108 3,~~320~~782 7482,~~717~~227 SH X 7481,~~017~~627 ~~200~~300 ~~500~~300 PEPSICO INC 713448108 ~~606~~637 13,~~648~~848 SH X X 6,948 6,~~700~~900 PFIZER INC 717081103 1210,~~276~~184 ~~255~~226,~~757~~717 SH X ~~252~~222,~~057~~992 2,~~400~~500 1,~~300~~225 PFIZER INC 717081103 32,~~280~~823 6862,~~336~~836 SH X X 30,000 3832,~~336~~836 PHARMACIA CORP 71713U102 24,~~996~~007 5766,~~954~~579 SH X 5766,~~954~~504 75 PHARMACIA CORP 71713U102 ~~473~~635 910,~~150~~550 SH X X 8,400 ~~750~~2,150 PHILIP MORRIS COMPANIES INC 718154107 2,~~670~~878 ~~100~~97,~~521~~771 SH X 9997,~~921~~171 600 PHILIP MORRIS COMPANIES INC 718154107 ~~369~~383 13,~~900~~000 SH X X 4,800 98,~~100~~200 PHILLIPS PETROLEUM CO 718507106 ~~656~~793 12,~~940~~640 SH X 12,~~940~~640 PHILLIPS PETROLEUM CO 718507106 56 100 SH X X 100 PROSPERITY DEVELOPMENT COMPANY 7213760Y8 194 5 SH X 5 PROSPERITY DEVELOPMENT COMPANY 7213760Y8 705 19 SH X X 19 PITNEY BOWES 724479100 ~~165~~163 4,125 SH X 4,125 PITNEY BOWES 724479100 ~~416~~410 10,400 SH X X 10,400 PROCTER & GAMBLE CO 742718109 4,~~095~~397 7165,~~535~~630 SH X 6963,~~510~~780 950 ~~1,075~~900 PROCTER & GAMBLE CO 742718109 ~~599~~584 108,~~460~~717 SH X X 65,~~160~~517 43,~~300~~200 PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 ~~547~~707 15,806 SH X 15,806 ~~PUBLIC SERVICE ENTERPRISE GROUP INC 744573106 142 4,102 SH X X 4,102 QUAKER OATS COMPANY 747402105 153 2,036 SH X 2,036~~ ---------- PAGE TOTAL 3741,~~945~~277

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 14 AS OF 0609/30/00 - - - - - 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 SERVICE ENTERPRISE GROUP INC 744573106 183 4,102 SH X X 4,102 QUAKER OATS COMPANY 747402105 6082 1,036 SH X 1,036 QUAKER OATS COMPANY 747402105 142 1,800 SH X X 1,000 800 QWEST COMMUNICATIONS INTERNATIONAL 749121109 2,365 49,153 SH X 49,153 INC QWEST COMMUNICATIONS INTERNATIONAL 749121109 350 7,269 SH X X 1,900 5,369 INC RCM TECHNOLOGIES INC 749360400 ~~106~~67 1416,~~400~~700 SH X 3,000 1113,~~400~~700 ~~RITE~~RAYTHEON ~~AID~~CO ~~CORP~~CL ~~767754104~~B ~~162~~755111408 25253 8,~~200~~900 SH X 258,~~200~~400 ~~ROHM~~500 &RITE ~~HAAS~~AID ~~775371107~~CORP ~~837~~767754104 24101 25,~~252~~200 SH X 2225,~~552~~200 ~~1,700~~ ROHM & HAAS 775371107 47499 117,~~368~~171 SH X X15,471 1,~~368~~700 T ROWE PRICE MARYLAND TAX FREE 77957R101 ~~695~~678 6966,~~288~~896 SH X 6966,~~288~~896 BOND FUND #87 T ROWE PRICE MARYLAND TAX FREE 77957R101 10 1,009 SH X X 1,009 BOND FUND #87 T ROWE PRICE SHORT TERM TAX FREE 77957R606 ~~230~~214 4542,~~480~~048 SH X 4542,~~480~~048 BOND FUND #90 T ROWE PRICE SHORT TERM TAX FREE 77957R606 16 3,083 SH X X 3,083 BOND FUND #90 ROWLAND LAND COMPANY, LTD 779665405 2,207 2,758 SH X 2,758 LIMITED PARTNERSHIP SBC COMMUNICATIONS INC 78387G103 56,~~634~~306 ~~130~~126,~~268~~444 SH X ~~128~~123,~~530~~980 12,~~738~~464 SBC COMMUNICATIONS INC 78387G103 2,~~007~~301 46,~~397~~139 SH X X 3335,379 10,760 SBS TECHNOLOGIES INC 78387P103 219 9,400 12SH X 3,~~997~~400 6,000 SARA LEE CORP 803111103 1,~~252~~301 6564,~~224~~024 SH X 6564,~~224~~024 SARA LEE CORP 803111103 7377 3,800 SH X X 3,800 SCHERING-PLOUGH CORP 806605101 1,~~651~~452 3231,~~695~~180 SH X 2928,~~995~~605 75 2,~~700~~500 SCHERING-PLOUGH CORP 806605101 ~~374~~340 7,~~400~~300 SH X X 1,900 5,~~500~~400 SCHLUMBERGER LTD 806857108 ~~397~~471 5,~~325~~725 SH X 45,~~925~~325 400 SCHLUMBERGER LTD 806857108 7582 1,000 SH X X 800 200 SCHWAB CHARLES CORP NEW 808513105 3,~~020~~382 8995,~~812~~348 SH X 8792,~~412~~823 2,~~100~~225 300 SCHWAB CHARLES CORP NEW 808513105 ~~100~~105 2,970 SH X X 2,970 SCOTTS COMPANY CL A 810186106 292 8,000 SH X 8,000 SEARS ROEBUCK & CO 812387108 229 7,005 SH X 7,005 SEARS ROEBUCK & CO 812387108 9 276 SH X X 250 26 SELECTIVE INSURANCE GROUP 816300107 342 18,004 SH X 18,004 SELECTIVE INSURANCE GROUP 816300107 17 900 SH X X 900 ---------- PAGE TOTAL 1923,~~842~~203

~~REPORT~~1REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 15 AS OF 0609/30/00 - - - - - 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) SCOTTS COMPANY CL A 810186106 268 8,000 SH X 8,000 SEARS ROEBUCK & CO 812387108 202 6,234 SH X 6,234 SEARS ROEBUCK & CO 812387108 9 263 SH X X 250 13 SELECTIVE INSURANCE GROUP 816300107 215 12,004 SH X 12,004 SELECTIVE INSURANCE GROUP 816300107 16 900 SH X X 900 SOLECTRON CORP 834182107 1,~~245~~719 2937,~~720~~260 SH X 2937,~~670~~085 50175 SOLECTRON CORP 834182107 6371 1,~~500~~540 SH X X 1,~~500~~540 THE SOUTHERN CO 842587107 ~~448~~624 19,238 SH X 19,238 THE SOUTHERN CO 842587107 1965 ~~800~~2,015 SH X X ~~800~~2,015 SPRINT CORP 852061100 32,~~944~~130 7772,~~326~~648 SH X 7166,~~296~~618 3,730 2,300 SPRINT CORP 852061100 ~~153~~64 32,~~000~~200 SH X X 200 2,~~800~~000 SPRINT CORP (PCS GRP) 852061506 1,~~926~~125 32,~~378~~028 SH X 29,~~778~~428 1,800 800 SPRINT CORP (PCS GRP) 852061506 8939 1,~~500~~100 SH X X 100 1,~~400~~000 STATE STREET CORP 857477103 43,~~751~~694 4428,~~790~~390 SH X 4428,~~790~~390 STATE STREET CORP 857477103 2,~~121~~130 2016,~~000~~375 SH X X 2016,~~000~~375 STRYKER CORP 863667101 ~~376~~369 8,600 SH X 8,600 STRYKER CORP 863667101 ~~219~~215 5,000 SH X X 2,000 3,000 SUMMIT BANCORP 866005101 ~~242~~338 9,842 SH X 9,842 SUMMIT BANCORP 866005101 1420 569 SH X X 569 SUN MICROSYSTEMS INC 866810104 1011,~~446~~174 ~~114~~95,~~865~~710 SH X ~~107~~90,~~520~~315 845 64,~~500~~550 SUN MICROSYSTEMS INC 866810104 ~~555~~693 65,~~100~~940 SH X X 4,~~700~~600 1,~~400~~340 ~~SUNTRUST BANKS INC 867914103 203 4,442 SH X 4,442~~ SUSQUEHANNA BANCSHARES INC 869099101 ~~426~~454 29,~~916~~741 SH X 2019,~~086~~911 9,830 SUSQUEHANNA BANCSHARES INC 869099101 7681 5,317 SH X X 1,098 4,219 ~~SYNCOR~~SYMIX ~~INTERNATIONAL~~SYSTEMS ~~CORP 87157J106 796 11,050 SH X 9,250 1,800 TECO ENERGY~~ INC ~~872375100~~871535100 ~~277~~69 1312,~~800~~500 SH X 1312,~~800~~500 ~~TECO~~SYNCOR ~~ENERGY~~INTERNATIONAL ~~INC 872375100 126 6,300 SH X X 300 6,000 TELXON~~ CORP ~~879700102~~87157J106 ~~198~~773 ~~11,050 SH X 4,250 6,800 TEXACO INC 881694103 1,161~~ 21,~~777~~000 SH X 2118,~~577~~500 ~~200 TEXACO INC 881694103 258 4~~2,~~840~~500 ~~SH X X 1,800 3,040~~ ---------- PAGE TOTAL 3026,~~132~~557

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 16 AS OF 0609/30/00 - - - - - 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) TECO ENERGY INC 872375100 397 13,800 SH X 13,800 TECO ENERGY INC 872375100 181 6,300 SH X X 300 6,000 TRW INC 872649108 191 4,697 SH X 4,697 TRW INC 872649108 41 1,000 SH X X 1,000 TELXON CORP 879700102 188 10,750 SH X 4,250 6,500 TEXACO INC 881694103 1,135 21,617 SH X 21,177 440 TEXACO INC 881694103 242 4,600 SH X X 1,800 2,800 TEXAS INSTRUMENTS INC 882508104 43,~~792~~913 6982,~~760~~595 SH X 6779,~~350~~625 2,~~410~~970 TEXAS INSTRUMENTS INC 882508104 7454 1,~~080~~130 SH X X 480 ~~600~~650 TEXTRON INC 883203101 1,~~793~~597 3334,~~010~~570 SH X 3132,~~410~~920 50 1,600 TEXTRON INC 883203101 7395 12,~~350~~050 SH X X 12,~~350~~050 3TIME ~~COM~~WARNER ~~CORP~~INC ~~885535104~~887315109 ~~239~~546 46,~~150~~975 SH X 46,~~150~~975 3TIME ~~COM~~WARNER ~~CORP~~INC ~~885535104~~887315109 17728 9,300 SH X X ~~300~~8,700 ~~TIME~~600 ~~WARNER~~TRICON GLOBAL RESTAURANTS INC ~~887315109~~895953107 ~~614~~225 87,~~075~~340 SH X 87,~~075~~340 ~~TIME~~TRICON ~~WARNER~~GLOBAL RESTAURANTS INC ~~887315109~~895953107 ~~722~~39 91,~~500~~260 SH X X 8100 1,~~700~~160 ~~800~~ TYCO INTL LTD NEW 902124106 57,~~321~~213 ~~112~~139,~~324~~049 SH X ~~111~~138,~~574~~299 750 TYCO INTL LTD NEW 902124106 56,~~911~~417 ~~124~~123,~~762~~702 SH X X 63,358 6160,~~404~~344 UST INC 902911106 ~~141~~220 9,600 SH X 9,600 UST INC 902911106 5382 3,600 SH X X 3,600 ~~US BANCORP DEL 902973106 52 2,700 SH X 2,200 500 US BANCORP DEL 902973106 141 7,350 SH X X 1,050 6,300~~ UNIFI INC 904677101 ~~779~~642 62,975 SH X 58,475 4,500 UNION CARBIDE CORP 905581104 ~~452~~325 98,~~127~~604 SH X 98,~~127~~604 UNION CARBIDE CORP 905581104 118 225 SH X X 225 UNION PACIFIC CORP 907818108 ~~483~~502 12,888 SH X 12,888 UNION PACIFIC CORP 907818108 ~~115~~119 3,060 SH X X 1,860 1,200 ~~US WEST INC NEW 91273H101 2,618 30,532 SH X 30,532 US WEST INC NEW 91273H101 369 4,308 SH X X 2,524 1,784~~ UNITED TECHNOLOGIES CORP 913017109 1,~~422~~974 2428,~~150~~460 SH X 2428,~~050~~310 50 100 ~~UNITED TECHNOLOGIES CORP 913017109 94 1,600 SH X X 1,600 UNITEDHEALTH GROUP INC 91324P102 509 5,940 SH X 5,940 UNITEDHEALTH GROUP INC 91324P102 43 500 SH X X 500~~ ---------- PAGE TOTAL 2627,~~838~~074

REPORT PTR289 5H KEYSTONE FINANCIAL BANK, N.A. SECURITIES AND EXCHANGE COMMISSION FORM 13-F 0710/2503/00 PAGE 17 AS OF 0609/30/00 - - - - - 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) UNITED TECHNOLOGIES CORP 913017109 170 2,450 SH X X 1,600 850 UNITEDHEALTH GROUP INC 91324P102 545 5,515 SH X 5,515 UNITEDHEALTH GROUP INC 91324P102 49 500 SH X X 500 UNITRIN INC 913275103 ~~254~~274 8,640 SH X 8,640 VALLEY NATIONAL BANCORP 919794107 ~~928~~1,045 38,256 SH X 38,256 VAN KAMPEN PA TAX-FREE INCOME FUND 920902103 ~~291~~340 1720,~~615~~444 SH X 1720,~~615~~444 CL A ~~VAN~~VERIZON ~~KAMPEN~~COMMUNICATIONS US92343V104 ~~GOVERNMENT~~13,636 ~~FUND~~281,521 ~~INC~~SH ~~921129102~~X 81280,730 5791 VERIZON COMMUNICATIONS 92343V104 2,~~982~~583 53,330 SH X X 5,~~982~~422 CL40,608 A7,300 ~~VAN~~VIACOM ~~KAMPEN~~INC USCL ~~GOVERNMENT~~A ~~FUND~~925524100 ~~INC~~287 ~~921129102 100 7~~4,~~401~~900 SH X ~~X 7~~4,~~401~~900 ~~CL A~~ VIACOM INC CL B 925524308 ~~761~~724 1112,~~167~~376 SH X 1112,~~167~~376 VIACOM INC CL B 925524308 4438 651 SH X X 651 VODAFONE GROUP PLC NEW 92857W100 1,759 47,550 SH X 47,550 ADR SPONSORED VODAFONE GROUP PLC NEW 92857W100 407 11,010 SH X X 2,500 8,510 ADR SPONSORED WACHOVIA CORP 929771103 1,~~042~~069 1918,~~200~~850 SH X 1918,~~200~~850 WAL MART STORES INC 931142103 23,~~316~~364 4069,~~580~~905 SH X 4069,~~380~~705 200 WAL MART STORES INC 931142103 9177 1,600 SH X X 1,600 WALGREEN CO 931422109 3,~~681~~397 ~~114~~89,~~585~~535 SH X ~~113~~88,~~160~~285 ~~925~~750 500 WALGREEN CO 931422109 ~~276~~326 8,600 SH X X 2,800 5,800 WEIS MARKETS INC 948849104 ~~163~~197 4,968 SH X 4,968 WEIS MARKETS INC 948849104 5060 1,518 SH X X 1,518 WELLS FARGO COMPANY 949746101 ~~898~~1,456 2231,~~880~~690 SH X 1928,~~780~~465 125 3,100 WELLS FARGO COMPANY 949746101 2478 ~~600~~1,700 SH X X ~~600~~1,700 WENDY'S INTERNATIONAL INC 950590109 ~~713~~687 3934,~~622~~222 SH X 3534,~~472~~222 ~~4,150~~ WHOLE FOODS MARKET INC 966837106 ~~201~~462 48,~~866~~596 SH X 48,~~816~~446 100 50 ~~WILLIAMS~~WHOLE ~~COMPANIES~~FOODS ~~INC~~MARKET ~~969457100 2,448 58,728 SH X 53,328 675 4,725 WILLIAMS COMPANIES~~ INC ~~969457100~~966837106 ~~142~~54 31,~~400~~000 SH X X ~~3,400 WORLDCOM INC GA NEW 98157D106 4,414 96,216 SH X 96,216 WORLDCOM INC GA NEW 98157D106 408 8,903 SH X X~~ 1,~~050~~000 ~~7,853 XEROX CORP 984121103 556 27,380 SH X 27,380 XEROX CORP 984121103 73 3,600 SH X X 3,600~~ ---------- PAGE TOTAL 1933,~~955 FINAL TOTALS 1,004,532~~084

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