13F-HR 1 ptr2891204.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 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) HERSHEY FOODS CORP COM 427866108 673 14400 SH X 1 14400 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 2 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) PFIZER INC COM 717081103 2493 81471 SH X 1 59858 18270 3343 3M CO COM 88579Y101 2294 28685 SH X 1 28685 3M CO COM 88579Y101 233 2909 SH X 1 2409 500 3M CO COM 88579Y101 2044 25564 SH DEFINED 16017 3344 6203 ABBOTT LABS COM 002824100 3588 84704 SH X 1 81784 380 2540 ABBOTT LABS COM 002824100 566 13373 SH X 1 12213 1160 ABBOTT LABS COM 002824100 902 21301 SH DEFINED 18881 690 1730 ABM INDS INC COM 000957100 44 2225 SH DEFINED 2225 0 0 ADOBE SYSTEMS INC DE 00724F101 566 11450 SH DEFINED 11325 0 125 AEGON N V ORD AMER REG 007924103 2 193 SH DEFINED 193 0 0 AES CORP COM 00130H105 3 400 SH DEFINED 0 0 400 AETNA INC NEW COM 00817Y108 16 166 SH DEFINED 166 0 0 AFFILIATED COMPUTER SERVICES 008190100 448 8050 SH DEFINED 7805 245 0 AGERE SYS INC CL B 00845V209 0 5 SH DEFINED 5 0 0 AGL RESOURCES INC 001204106 38 1235 SH DEFINED 1235 0 0 AIR PRODS & CHEMS INC COM 009158106 228 4184 SH X 1 4184 AIR PRODS & CHEMS INC COM 009158106 274 5041 SH DEFINED 3546 220 1275 ALBERTO-CULVER CO COM 013068101 2098 48283 SH DEFINED 36122 9127 3034 ALCOA INC COM 013817101 5723 170372 SH X 1 164595 1160 4617 ALCOA INC COM 013817101 543 16166 SH X 1 14425 1741 ALCOA INC COM 013817101 32 968 SH DEFINED 268 0 700 ALLEGHENY ENERGY INC COM 017361106 3 200 SH DEFINED 200 0 0 ALLERGAN INC COM 018490102 18 260 SH DEFINED 260 0 0 ALLMERICA FINL CORP COM 019754100 34 1287 SH DEFINED 0 1287 0 ALLTEL CORP COM 020039103 1090 19862 SH DEFINED 18571 586 705 ALTRIA GROUP INC COM 02209S103 1418 30147 SH X 1 30097 50 ALTRIA GROUP INC COM 02209S103 549 11675 SH X 1 10850 825 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 3 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) ALTRIA GROUP INC COM 02209S103 134 2850 SH DEFINED 1650 0 1200 AMEREN CORP COM 023608102 16 350 SH DEFINED 350 0 0 AMERICAN ELEC PWR INC COM 025537101 23 742 SH DEFINED 742 0 0 AMERICAN EXPRESS CO COM 025816109 452 8788 SH X 1 8788 AMERICAN EXPRESS CO COM 025816109 132 2556 SH X 1 1806 750 AMERICAN EXPRESS CO COM 025816109 427 8307 SH DEFINED 8062 0 245 AMERICAN INTL GROUP INC COM 026874107 12698 186768 SH X 1 176018 3732 7018 AMERICAN INTL GROUP INC COM 026874107 1242 18266 SH X 1 15946 1520 800 AMERICAN INTL GROUP INC COM 026874107 5629 82797 SH DEFINED 59074 10647 13076 AMERICAN ITALIAN PASTA CL A 027070101 11 445 SH DEFINED 445 0 0 AMGEN INC COM 031162100 6900 121462 SH X 1 117579 733 3150 AMGEN INC COM 031162100 647 11389 SH X 1 9712 1382 295 AMGEN INC COM 031162100 1918 33774 SH DEFINED 29711 880 3183 AMSOUTH BANCORPORATION COM 032165102 6 280 SH DEFINED 280 0 0 ANADARKO PETE CORP COM 032511107 33 500 SH DEFINED 500 0 0 ANALOG DEVICES INC COM 032654105 466 12043 SH DEFINED 10178 560 1305 ANHEUSER BUSCH COS INC COM 035229103 498 9989 SH DEFINED 4249 5270 470 APACHE CORP COM 037411105 3612 72101 SH DEFINED 57886 8751 5464 APPLERA CORP - CELERA COM 038020202 0 45 SH DEFINED 45 0 0 APPLIED MATLS INC COM 038222105 72 4350 SH X 1 4350 APPLIED MATLS INC COM 038222105 156 9450 SH X 1 9450 APPLIED MATLS INC COM 038222105 29 1800 SH DEFINED 1800 0 0 AQUA AMERICA INC COM 03836W103 169 7679 SH DEFINED 6759 0 920 ARCH CHEMICALS INC COM 03937R102 57 2000 SH DEFINED 2000 0 0 ARCH COAL INC COM 039380100 5 142 SH DEFINED 0 0 142 ARCHER DANIELS MIDLAND CO 039483102 16 1000 SH DEFINED 0 0 1000 ARROW FINL CORP COM 042744102 436 14507 SH X 1 14507 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 4 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) ARROW FINL CORP COM 042744102 932 31032 SH X 1 31032 ASHLAND INC COM 044204105 5 90 SH DEFINED 0 0 90 AT&T CORP NEW COM 001957505 5 354 SH DEFINED 354 0 0 AT&T WIRELESS SVCS INC COM 00209A106 3 240 SH DEFINED 240 0 0 AUTODESK INC 052769106 48 1000 SH DEFINED 1000 0 0 AUTOMATIC DATA PROCESSING INC 053015103 3449 83511 SH DEFINED 55362 16525 11624 AUTOMATIC DATA PROCESSING IN 053015103 8048 194762 SH X 1 188265 2197 4300 AUTOMATIC DATA PROCESSING IN 053015103 918 22206 SH X 1 19502 2704 AVALONBAY CMNTYS INC COM 053484101 63 1048 SH DEFINED 1048 0 0 AVAYA INC COM 053499109 0 1 SH DEFINED 1 0 0 AVERY DENNISON CORP COM 053611109 2109 32077 SH DEFINED 28564 600 2913 AVON PRODS INC COM 054303102 61 1400 SH DEFINED 0 0 1400 B J SERVICES CO COM 055482103 279 5330 SH DEFINED 4442 78 810 BALDOR ELEC CO COM 057741100 40 1723 SH DEFINED 1723 0 0 BALL CORP COM 058498106 566 15127 SH DEFINED 13079 513 1535 BANK NEW YORK INC COM 064057102 988 33916 SH DEFINED 30916 1440 1560 BANK OF AMERICA CORP COM 060505104 560 12934 SH DEFINED 6538 0 6396 BANK OF AMERICA CORPORATION 060505104 1188 27422 SH X 1 27422 BANK OF AMERICA CORPORATION 060505104 557 12864 SH X 1 7652 5212 BANKNORTH GROUP INC NEW 06646R107 539 15404 SH X 1 15404 BANKNORTH GROUP INC NEW 06646R107 467 13334 SH X 1 5573 7761 BANKNORTH GROUP INC NEW 06646R107 55 1586 SH DEFINED 586 0 1000 BARD C R INC COM 067383109 45 800 SH DEFINED 0 0 800 BAXTER INTL INC COM 071813109 80 2500 SH DEFINED 2260 240 0 BB&T CORP COM 054937107 239 6017 SH X 1 6017 BB&T CORP COM 054937107 898 22649 SH DEFINED 19449 700 2500 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 5 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) BECTON DICKINSON & CO COM 075887109 2121 41026 SH DEFINED 29515 8739 2772 BED BATH & BEYOND INC COM 075896100 55 1495 SH DEFINED 790 0 705 BELLSOUTH CORP COM 079860102 1140 42039 SH X 1 40239 1800 BELLSOUTH CORP COM 079860102 578 21325 SH X 1 15439 5886 BELLSOUTH CORP COM 079860102 397 14649 SH DEFINED 12487 482 1680 BEMIS INC COM 081437105 175 6607 SH DEFINED 6466 0 141 BERKSHIRE HATHAWAY INC CL A 084670108 260 3 SH X 1 3 BERKSHIRE HATHAWAY INC CL B 084670207 293 102 SH X 1 81 21 BERKSHIRE HATHAWAY INC CL B 084670207 46 16 SH X 1 16 BERKSHIRE HATHAWAY INC CL A 084670108 1039 12 SH DEFINED 6 0 6 BERKSHIRE HATHAWAY INC CL B 084670207 562 196 SH DEFINED 96 0 100 BEST BUY INC COM 086516101 5263 97025 SH X 1 93695 715 2615 BEST BUY INC COM 086516101 323 5952 SH X 1 4867 1085 BEST BUY INC COM 086516101 428 7897 SH DEFINED 5133 65 2699 BIOGEN IDEC INC COM 09062X103 24 400 SH DEFINED 400 0 0 BIOMET INC COM 090613100 5900 125863 SH X 1 121132 940 3791 BIOMET INC COM 090613100 448 9554 SH X 1 7770 1284 500 BIOMET INC COM 090613100 1145 24445 SH DEFINED 20529 186 3730 BLACK HILLS CORP 092113109 23 842 SH DEFINED 842 0 0 BLACKROCK INC 09247X101 25 350 SH DEFINED 350 0 0 BOEING CO COM 097023105 88 1714 SH X 1 1714 BOEING CO COM 097023105 489 9478 SH X 1 350 9128 BOEING CO COM 097023105 567 10992 SH DEFINED 10062 0 930 BOSTON PROPERTIES INC COM 101121101 73 1322 SH DEFINED 1322 0 0 BP P L C SPONS ADR 055622104 1416 24620 SH DEFINED 17695 3036 3889 BP PLC SPONSORED ADR 055622104 741 12877 SH X 1 10836 1057 984 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 6 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) BP PLC SPONSORED ADR 055622104 1200 20864 SH X 1 19880 0 984 BRISTOL MYERS SQUIBB CO COM 110122108 411 17379 SH X 1 17379 BRISTOL MYERS SQUIBB CO COM 110122108 319 13498 SH X 1 6698 4800 2000 BRISTOL MYERS SQUIBB CO COM 110122108 657 27799 SH DEFINED 15415 1915 10469 BROWN & BROWN INC COM 115236101 1182 25867 SH DEFINED 23760 177 1930 BURLINGTON NORTHN SANTA FE 12189T104 181 4715 SH X 1 3715 1000 BURLINGTON NORTHN SANTA FE 12189T104 190 4972 SH X 1 472 4500 BURLINGTON NORTHN SANTE FE 12189T104 21 567 SH DEFINED 180 0 387 BURLINGTON RES INC COM 122014103 1004 24627 SH DEFINED 21842 238 2547 CADBURY SCHWEPPES PLC ADR 127209302 12 400 SH DEFINED 400 0 0 CALPINE CORP COM 131347106 0 100 SH DEFINED 0 0 100 CAMDEN NATL CORP COM 133034108 18 550 SH DEFINED 450 0 100 CARDINAL HEALTH INC COM 14149Y108 143 3275 SH DEFINED 2900 0 375 CARNIVAL CORP COM 143658300 896 18950 SH DEFINED 17985 380 585 CATERPILLAR INC DEL COM 149123101 969 12050 SH X 1 12000 50 CENDANT CORP COM 151313103 1548 71746 SH DEFINED 57886 2105 11755 CENTERPOINT ENERGY INC COM 15189T107 7 750 SH DEFINED 750 0 0 CENTEX CORPORATION COM 152312104 30 600 SH DEFINED 0 0 600 CENTRAL FINL CORP VT COM 153472105 3588 36240 SH X 1 36240 CERTEGY INC COM 156880106 872 23440 SH X 1 23440 CHAMPLAIN BANK CORP COM 15871P108 265 690 SH X 1 690 CHEVRONTEXACO CORP COM 166764100 9216 171810 SH X 1 166361 1165 4284 CHEVRONTEXACO CORP COM 166764100 1177 21943 SH X 1 19335 2608 CHEVRONTEXACO CORP COM 166764100 3727 69514 SH DEFINED 59548 7340 2626 CHITTENDEN CORP COM 170228100 6322 231986 SH X 1 192630 31250 8106 CHITTENDEN CORP COM 170228100 2165 79458 SH X 1 51959 3047 24452 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 7 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) CHITTENDEN CORP COM 170228100 3 125 SH DEFINED 0 0 125 CHOICEPOINT INC COM 170388102 937 21968 SH X 1 21968 CHUBB CORP COM 171232101 2 40 SH DEFINED 0 40 0 CIGNA CORP COM 125509109 113 1630 SH X 1 1630 CIGNA CORP COM 125509109 87 1250 SH X 1 1250 CIGNA CORP COM 125509109 170 2452 SH DEFINED 2152 300 0 CINTAS CORP COM 172908105 300 7140 SH DEFINED 6050 740 350 CISCO SYS INC COM 17275R102 5418 299326 SH X 1 287916 3350 8060 CISCO SYS INC COM 17275R102 767 42400 SH X 1 38813 2787 800 CISCO SYS INC COM 17275R102 901 49859 SH DEFINED 30825 5795 13239 CITIGROUP INC COM 172967101 11752 266375 SH X 1 254878 1905 9592 CITIGROUP INC COM 172967101 1876 42529 SH X 1 29370 13159 CITIGROUP INC COM 172967101 2292 51976 SH DEFINED 43977 6661 1338 CITIGROUP INVSTS CORP LN FD 17307C107 44 3050 SH DEFINED 0 0 3050 CLOROX CO DEL COM 189054109 12 238 SH DEFINED 238 0 0 COBBLE HILL HOLDINGS, INC CL 19088P208 755 75455 SH X 1 75455 COCA COLA CO COM 191216100 1953 48764 SH X 1 48764 COCA COLA CO COM 191216100 655 16346 SH X 1 3846 12500 COCA-COLA CO COM 191216100 1102 27540 SH DEFINED 17019 5119 5402 COLGATE PALMOLIVE CO COM 194162103 1037 22942 SH X 1 22942 COLGATE PALMOLIVE CO COM 194162103 27 599 SH X 1 599 COLGATE PALMOLIVE CO COM 194162103 182 4036 SH DEFINED 700 2300 1036 COMCAST CORP CL A COM 20030N101 33 1181 SH DEFINED 1037 144 0 COMERICA INC COM 200340107 178 3000 SH DEFINED 3000 0 0 COMMUNITY SVC COMMUNICATIONS 20404P203 51 13250 SH X 1 13250 CONAGRA FOODS INC COM 205887102 144 5610 SH DEFINED 5360 250 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 8 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) CONOCOPHILLIPS COM 20825C104 128 1557 SH DEFINED 1357 0 200 CONSOLIDATED EDISON INC COM 209115104 85 2042 SH DEFINED 2042 0 0 CORNING INC COM 219350105 16 1500 SH DEFINED 0 1500 0 COSTCO WHOLESALE CORPORATION 22160K105 12 300 SH DEFINED 300 0 0 COTT CORPORATION 22163N106 470 16319 SH DEFINED 15855 464 0 COUNTRYWIDE FINL CORP COM 222372104 15 398 SH DEFINED 0 0 398 CUMMINS INC COM 231021106 22 300 SH DEFINED 0 0 300 CVS CORP COM 126650100 827 19644 SH DEFINED 17844 70 1730 DANAHER CORP DEL COM 235851102 10515 205052 SH X 1 196666 3076 5310 DANAHER CORP DEL COM 235851102 1184 23096 SH X 1 19971 2625 500 DANAHER CORPORATION COM 235851102 83 1635 SH DEFINED 1635 0 0 DEAN FOODS CO NEW COM 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EXCHANGE COMMISSION FORM 13-F PAGE 9 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) DOW CHEM CO COM 260543103 289 6400 SH DEFINED 5600 800 0 DPL INC COM 233293109 312 15187 SH DEFINED 15187 0 0 DTE ENERGY CO COM 233331107 278 6600 SH DEFINED 3600 0 3000 DU PONT E I DE NEMOURS & CO 263534109 1138 26597 SH X 1 26597 DU PONT E I DE NEMOURS & CO 263534109 290 6782 SH X 1 5910 872 DU PONT E I DE NEMOURS & CO 263534109 555 12978 SH DEFINED 12238 530 210 DUKE ENERGY CORP COM 264399106 142 6236 SH DEFINED 6154 0 82 E M C CORP MASS COM 268648102 5328 461719 SH X 1 447324 3500 10895 E M C CORP MASS COM 268648102 381 33055 SH X 1 26638 4917 1500 EAGLE MATERIALS INC CL B 26969P207 4 59 SH DEFINED 0 0 59 EAGLE MATERIALS INC COM 26969P108 1 17 SH DEFINED 0 0 17 EASTMAN CHEM CO COM 277432100 23 500 SH DEFINED 0 0 500 EASTMAN KODAK CO COM 277461109 166 5161 SH X 1 2661 2500 EASTMAN KODAK CO COM 277461109 36 1118 SH X 1 1118 ECOLAB INC COM 278865100 3488 111009 SH DEFINED 90310 13411 7288 EDO CORP COM 281347104 30 1103 SH DEFINED 1103 0 0 EL PASO CORP COM 28336L109 23 2575 SH DEFINED 2000 0 575 ELAN PLC ADR 284131208 9 400 SH DEFINED 0 0 400 ELECTRONIC ARTS INC COM 285512109 896 19504 SH DEFINED 17569 55 1880 ELECTRONIC DATA SYS NEW COM 285661104 116 6019 SH DEFINED 6019 0 0 EMERSON ELEC CO COM 291011104 335 5406 SH X 1 5406 EMERSON ELEC CO COM 291011104 190 3065 SH X 1 2165 900 EMERSON ELEC CO COM 291011104 2232 36086 SH DEFINED 32066 1805 2215 ENERGEN CORP COM 29265N108 418 8119 SH DEFINED 6045 1991 83 ENERGY EAST CORP COM 29266M109 391 15510 SH X 1 15510 ENERGY EAST CORP COM 29266M109 186 7374 SH X 1 7374 ENTRAVISION COMMUNICATIONS 29382R107 152 20,000 SH X 1 20000 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 10 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) EQUIFAX INC COM 294429105 1105 41921 SH X 1 41921 EQUIFAX INC COM 294429105 79 3000 SH DEFINED 3000 0 0 EQUITY OFFICE PROPERTIES TR 294741103 9 349 SH DEFINED 349 0 0 EVEREST REINSURANCE GROUP LTD G3223R108 26 360 SH DEFINED 360 0 0 EXELIXIS INC COM 30161Q104 0 50 SH DEFINED 0 50 0 EXELON CORP COM 30161N101 6345 172944 SH X 1 167479 1170 4295 EXELON CORP COM 30161N101 635 17309 SH X 1 14736 1873 700 EXELON CORP COM 30161N101 233 6374 SH DEFINED 6374 0 0 EXXON MOBIL CORP COM 30231G102 23701 490392 SH X 1 481779 1650 6963 EXXON MOBIL CORP COM 30231G102 5406 111848 SH X 1 92001 16347 3500 EXXON MOBIL CORP COM 30231G102 7977 165068 SH DEFINED 114774 23489 26805 FAIR ISAAC CORP COM 303250104 8 300 SH DEFINED 0 0 300 FAIRCHILD 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BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 11 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) FLORIDA ROCK INDS INC COM 341140101 752 15351 SH DEFINED 13784 662 905 FORD MOTOR TR II CONV PFD 345395206 15 300 SH DEFINED 300 0 0 FORD MTR CO DEL COM 345370860 17 1222 SH DEFINED 1222 0 0 FOREST LABORATORIES INC COM 345838106 206 4587 SH DEFINED 3402 0 1185 FOREST LABS INC COM 345838106 4317 96015 SH X 1 92227 725 3063 FOREST LABS INC COM 345838106 285 6333 SH X 1 5305 1028 FORTUNE BRANDS INC COM 349631101 975 13169 SH DEFINED 12409 340 420 FPL GROUP INC COM 302571104 383 5610 SH X 1 5610 FPL GROUP INC COM 302571104 128 1875 SH X 1 1875 FPL GROUP INC COM 302571104 425 6223 SH DEFINED 5199 525 499 FRA US FLOATING RATE INC 339735102 46 2400 SH DEFINED 0 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VECTREN CORP COM 92240G101 14 560 SH DEFINED 560 0 0 VERIZON COMMUNICATIONS COM 92343V104 11523 292613 SH X 1 284068 1640 6905 VERIZON COMMUNICATIONS COM 92343V104 1881 47764 SH X 1 38481 7441 1842 VERIZON COMMUNICATIONS COM 92343V104 3663 93037 SH DEFINED 69090 11993 11954 VF CORP COM 918204108 8 175 SH DEFINED 175 0 0 VIACOM INC CL B 925524308 4569 136150 SH X 1 131099 1135 3916 VIACOM INC CL B 925524308 337 10030 SH X 1 8425 1605 VIACOM INC CL B 925524308 16 480 SH DEFINED 480 0 0 VODAFONE GROUP PLC NEW ADR 92857W100 43 1814 SH DEFINED 0 190 1624 VORNADO RLTY PFD CONV SER A 929042208 67 778 SH DEFINED 778 0 0 VULCAN MATLS CO COM 929160109 66 1305 SH DEFINED 1305 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13-F PAGE 22 ASSETS AS OF 09/30/04 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 ISSUE AND TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MANAGERS (A) (B) (C) WACHOVIA CORP 2ND NEW COM 929903102 295 6286 SH X 1 6286 WACHOVIA CORP 2ND NEW COM 929903102 55 1174 SH X 1 1174 WACHOVIA CORP 2ND NEW COM 929903102 62 1325 SH DEFINED 750 175 400 WAL MART STORES INC COM 931142103 5895 110809 SH X 1 106877 658 3274 WAL MART STORES INC COM 931142103 723 13590 SH X 1 11101 2489 WAL MART STORES INC COM 931142103 626 11779 SH DEFINED 9179 0 2600 WALGREEN CO COM 931422109 7421 207116 SH X 1 200374 1345 5397 WALGREEN CO COM 931422109 681 19005 SH X 1 15795 2410 800 WALGREEN CO COM 931422109 2656 74169 SH DEFINED 50182 6550 17437 WASHINGTON MUT INC COM 939322103 27 700 SH DEFINED 700 0 0 WASTE MGMT INC DEL COM 94106L109 277 10167 SH DEFINED 9867 300 0 WAYPOINT FINL CORP COM 946756103 204 7415 SH DEFINED 7415 0 0 WELLS FARGO & CO NEW COM 949746101 10995 184388 SH X 1 178023 1460 4905 WELLS FARGO & CO NEW COM 949746101 944 15824 SH X 1 14169 1655 WELLS FARGO & CO NEW COM 949746101 557 9345 SH DEFINED 7750 1000 595 WENDYS INTL INC COM 950590109 10 300 SH DEFINED 0 0 300 WESTAR ENERGY INC COM 95709T100 4 212 SH DEFINED 212 0 0 WESTERN ASSET CLAY US TREAS 95766R104 40 3078 SH DEFINED 3078 0 WEYERHAEUSER CO COM 962166104 19 300 SH DEFINED 300 0 0 WHOLE FOODS MKT INC COM 966837106 516 6017 SH DEFINED 4698 529 790 WILLIAMS SONOMA INC 969904101 402 10730 SH DEFINED 10330 0 400 WILMINGTON TRUST CORP COM 971807102 1572 43445 SH DEFINED 33308 7727 2410 WPS RESOURCES CORP COM 92931B106 17 400 SH DEFINED 400 0 0 WYETH COM 983024100 1495 39966 SH X 1 38366 1600 WYETH COM 983024100 627 16761 SH X 1 13536 2525 700 WYETH COM 983024100 996 26649 SH DEFINED 14727 6212 5710 XCEL ENERGY INC COM 98389B100 53 3085 SH DEFINED 2600 485 0 ZIMMER HLDGS INC COM 98956P102 136 1730 SH DEFINED 1000 120 610

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