13F-HR 1 prt2890605.txt FILING FORM 13F COVER PAGE SECURITIES AMD 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 SECURITIES 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 13F PAGE 1 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) ABM INDS INC COM 000957100 35 1805 SH DEFINED 1805 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 2 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) AFLAC INC COM 001055102 33 850 SH DEFINED 300 0 550 AGL RESOURCES INC COM 001204106 41 1235 SH DEFINED 1235 0 0 AES CORP COM 00130H105 5 400 SH DEFINED 0 0 400 AT&T CORP NEW COM 001957505 6 354 SH DEFINED 354 0 0 ABBOTT LABS COM 002824100 4919 105447 SH X 1 101627 945 2875 ABBOTT LABS COM 002824100 694 14887 SH X 1 14007 880 ABBOTT LABS COM 002824100 965 20690 SH DEFINED 18340 620 1730 ABERCROMBIE & FITCH CO CL A 002896207 11 250 SH DEFINED 250 0 0 ADOBE SYSTEMS INC DE COM 00724F101 1146 18280 SH DEFINED 13060 4560 660 AEGON N V ORD AMER REG 007924103 2 193 SH DEFINED 193 0 0 AETNA INC NEW COM 00817Y108 20 166 SH DEFINED 166 0 0 AFFILIATED COMPUTER SERVICES INC 008190100 419 6975 SH DEFINED 6730 245 0 AGERE SYS INC CL B 00845V209 0 5 SH DEFINED 5 0 0 AIR PRODS & CHEMS INC COM 009158106 243 4184 SH X 1 4184 AIR PRODS & CHEMS INC COM 009158106 300 5181 SH DEFINED 3781 125 1275 ALBERTO-CULVER CO COM 013068101 2266 46679 SH DEFINED 35323 9052 2304 ALCOA INC COM 013817101 39 1268 SH DEFINED 568 0 700 ALLEGHENY ENERGY INC COM 017361106 3 200 SH DEFINED 200 0 0 ALLERGAN INC COM 018490102 21 260 SH DEFINED 260 0 0 ALLMERICA FINL CORP COM 019754100 42 1287 SH DEFINED 0 1287 0 ALLSTATE CORP COM 020002101 138 2662 SH X 1 2662 ALLSTATE CORP COM 020002101 71 1374 SH X 1 1374 ALLTEL CORP COM 020039103 1060 18056 SH DEFINED 16685 711 660 ALTRIA GROUP INC COM 02209S103 1961 32093 SH X 1 31168 825 100 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 3 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) ALTRIA GROUP INC COM 02209S103 538 8800 SH X 1 8800 ALTRIA GROUP INC COM 02209S103 152 2500 SH DEFINED 1300 0 1200 AMBAC FINL GROUP INC COM 023139108 9853 119966 SH X 1 115896 900 3170 AMBAC FINL GROUP INC COM 023139108 577 7029 SH X 1 5664 1365 AMEREN CORP COM 023608102 17 350 SH DEFINED 350 0 0 AMERICAN ELEC PWR INC COM 025537101 25 742 SH DEFINED 742 0 0 AMERICAN EXPRESS CO COM 025816109 362 6413 SH X 1 6413 AMERICAN EXPRESS CO COM 025816109 161 2856 SH X 1 2106 750 AMERICAN EXPRESS CO COM 025816109 465 8267 SH DEFINED 8062 0 205 AMERICAN INTL GROUP INC COM 026874107 12682 193123 SH X 1 182558 3917 6648 AMERICAN INTL GROUP INC COM 026874107 1251 19050 SH X 1 16490 1760 800 AMERICAN INTL GROUP INC COM 026874107 5301 80736 SH DEFINED 57953 10422 12361 AMERICAN ITALIAN PASTA CO CL A 027070101 8 360 SH DEFINED 360 0 0 AMGEN INC COM 031162100 7572 118032 SH X 1 114089 738 3205 AMGEN INC COM 031162100 748 11666 SH X 1 9789 1582 295 AMGEN INC COM 031162100 2257 35184 SH DEFINED 27596 4780 2808 AMSOUTH BANCORPORATION COM 032165102 19 770 SH DEFINED 770 0 0 ANADARKO PETE CORP COM 032511107 32 500 SH DEFINED 500 0 0 ANALOG DEVICES INC COM 032654105 418 11338 SH DEFINED 9968 560 810 ANHEUSER BUSCH COS INC COM 035229103 201 3977 SH DEFINED 3357 170 450 APACHE CORP COM 037411105 3306 65391 SH DEFINED 51107 9732 4552 APPLERA CORP CELERA GENOMICS GROUP 038020202 0 45 SH DEFINED 45 0 0 APPLIED MATLS INC COM 038222105 23 1350 SH X 1 1350 APPLIED MATLS INC COM 038222105 162 9450 SH X 1 9450 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 4 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) APPLIED MATLS INC COM 038222105 30 1800 SH DEFINED 1800 0 0 AQUA AMERICA INC COM 03836W103 179 7307 SH DEFINED 5946 0 1361 ARCH CHEMICALS INC COM 03937R102 57 2000 SH DEFINED 2000 0 0 ARCH COAL INC COM 039380100 3 92 SH DEFINED 0 0 92 ARCHER DANIELS MIDLAND CO COM 039483102 22 1000 SH DEFINED 0 0 1000 ARROW FINL CORP COM 042744102 421 13588 SH X 1 13588 ARROW FINL CORP COM 042744102 884 28532 SH X 1 28532 ASHLAND INC COM 044204105 3 55 SH DEFINED 0 0 55 AUTOMATIC DATA PROCESSING IN COM 053015103 8868 199944 SH X 1 193442 2227 4275 AUTOMATIC DATA PROCESSING IN COM 053015103 1002 22601 SH X 1 19582 3019 AUTOMATIC DATA PROCESSING INC COM 053015103 3495 78832 SH DEFINED 52473 16030 10329 AVALONBAY CMNTYS INC COM 053484101 71 948 SH DEFINED 948 0 0 AVAYA INC COM 053499109 0 1 SH DEFINED 1 0 0 AVERY DENNISON CORP COM 053611109 1439 24002 SH DEFINED 21034 380 2588 AVON PRODS INC COM 054303102 54 1400 SH DEFINED 0 0 1400 BB&T CORP COM 054937107 253 6017 SH X 1 6017 BB&T CORP COM 054937107 835 19884 SH DEFINED 16764 620 2500 BJ SVCS CO COM 055482103 5535 118940 SH X 1 116095 200 2645 BJ SVCS CO COM 055482103 348 7470 SH X 1 5445 1415 610 B J SERVICES CO COM 055482103 342 7366 SH DEFINED 6192 233 941 BP PLC SPONSORED ADR 055622104 1212 20747 SH X 1 19234 529 984 BP PLC SPONSORED ADR 055622104 715 12248 SH X 1 10736 528 984 BP P L C SPONS ADR 055622104 1437 24617 SH DEFINED 17692 3036 3889 BALDOR ELEC CO COM 057741100 47 1723 SH DEFINED 1723 0 0 BALL CORP COM 058498106 694 15802 SH DEFINED 13989 678 1135 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 5 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) BANK OF AMERICA CORPORATION COM 060505104 1438 30604 SH X 1 30604 BANK OF AMERICA CORPORATION COM 060505104 551 11729 SH X 1 8327 3402 BANK OF AMERICA CORP COM 060505104 600 12783 SH DEFINED 6387 0 6396 BANK NEW YORK INC COM 064057102 1021 30561 SH DEFINED 28216 1060 1285 BANKNORTH GROUP INC NEW COM 06646R107 575 15721 SH X 1 15721 BANKNORTH GROUP INC NEW COM 06646R107 477 13034 SH X 1 5273 7761 BANKNORTH GROUP INC NEW COM 06646R107 59 1635 SH DEFINED 635 0 1000 BARD C R INC COM 067383109 51 800 SH DEFINED 0 0 800 BAXTER INTL INC COM 071813109 82 2400 SH DEFINED 2160 240 0 BECTON DICKINSON & CO COM 075887109 2284 40226 SH DEFINED 29580 8414 2232 BED BATH & BEYOND INC COM 075896100 59 1495 SH DEFINED 790 0 705 BELLSOUTH CORP COM 079860102 1172 42189 SH X 1 40120 369 1700 BELLSOUTH CORP COM 079860102 538 19356 SH X 1 13939 5417 BELLSOUTH CORP COM 079860102 414 14903 SH DEFINED 12871 352 1680 BEMIS INC COM 081437105 195 6705 SH DEFINED 6564 0 141 BERKSHIRE HATHAWAY INC DEL CL A 084670108 264 3 SH X 1 3 BERKSHIRE HATHAWAY INC DEL CL A 084670108 1054 12 SH DEFINED 6 0 6 BERKSHIRE HATHAWAY INC DEL CL B 084670207 273 93 SH X 1 72 21 BERKSHIRE HATHAWAY INC DEL CL B 084670207 47 16 SH X 1 16 BERKSHIRE HATHAWAY INC DEL CL B 084670207 575 196 SH DEFINED 96 0 100 BEST BUY INC COM 086516101 5854 98521 SH X 1 95156 725 2640 BEST BUY INC COM 086516101 373 6279 SH X 1 5034 1245 BEST BUY INC COM 086516101 489 8232 SH DEFINED 6043 65 2124 BIOMET INC COM 090613100 5386 124141 SH X 1 120200 965 2976 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 6 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) BIOMET INC COM 090613100 454 10474 SH X 1 7810 2164 500 BIOMET INC COM 090613100 1151 26540 SH DEFINED 17674 5351 3515 BLACK HILLS CORP COM 092113109 25 842 SH DEFINED 842 0 0 BOEING CO COM 097023105 89 1714 SH X 1 1714 BOEING CO COM 097023105 491 9478 SH X 1 350 9128 BOEING CO COM 097023105 507 9807 SH DEFINED 8877 0 930 BOSTON PROPERTIES INC COM 101121101 77 1192 SH DEFINED 1192 0 0 BRISTOL MYERS SQUIBB CO COM 110122108 603 23554 SH X 1 23554 BRISTOL MYERS SQUIBB CO COM 110122108 232 9061 SH X 1 7061 2000 BRISTOL MYERS SQUIBB CO COM 110122108 666 26014 SH DEFINED 14205 1340 10469 BROWN & BROWN INC COM 115236101 1136 26107 SH DEFINED 23825 352 1930 BURLINGTON NORTHN SANTA FE C COM 12189T104 223 4715 SH X 1 3715 1000 BURLINGTON NORTHN SANTA FE C COM 12189T104 235 4972 SH X 1 472 4500 BURLINGTON NORTHN SANTE FE CORP 12189T104 26 567 SH DEFINED 180 0 387 BURLINGTON RES INC COM 122014103 917 21089 SH DEFINED 18422 238 2429 CIGNA CORP COM 125509109 182 2236 SH X 1 2236 CIGNA CORP COM 125509109 102 1250 SH X 1 1250 CIGNA CORP COM 125509109 192 2360 SH DEFINED 2060 300 0 CVS CORP COM 126650100 730 16223 SH DEFINED 14423 70 1730 CADBURY SCHWEPPES PLC ADR 127209302 15 400 SH DEFINED 400 0 0 CALPINE CORP COM 131347106 0 100 SH DEFINED 0 0 100 CAMDEN NATL CORP COM 133034108 21 550 SH DEFINED 450 0 100 CARDINAL HEALTH INC COM 14149Y108 121 2090 SH DEFINED 1715 0 375 CAREMARK RX INC COM 141705103 13 350 SH DEFINED 350 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 7 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) CARNIVAL CORP COM 143658300 1012 17565 SH DEFINED 16480 500 585 CATERPILLAR INC DEL COM 149123101 1180 12101 SH X 1 12051 50 CENDANT CORP COM 151313103 1702 72841 SH DEFINED 58996 3305 10540 CENTEX CORPORATION COM 152312104 35 600 SH DEFINED 0 0 600 CENTRAL FINL CORP VT COM 153472105 3588 36240 SH X 1 36240 CERTEGY INC COM 156880106 833 23440 SH X 1 23440 CHAMPLAIN BANK CORP COM 15871P108 265 690 SH X 1 690 CHEVRONTEXACO CORP COM 166764100 8993 171270 SH X 1 166828 1170 3272 CHEVRONTEXACO CORP COM 166764100 1221 23250 SH X 1 20800 2450 CHEVRONTEXACO CORP COM 166764100 3481 66322 SH DEFINED 56296 7400 2626 CHITTENDEN CORP COM 170228100 7038 244961 SH X 1 205555 31250 8156 CHITTENDEN CORP COM 170228100 2248 78242 SH X 1 51503 2287 24452 CHITTENDEN CORP COM 170228100 3 125 SH DEFINED 0 0 125 CHOICEPOINT INC COM 170388102 1010 21968 SH X 1 21968 CHUBB CORP COM 171232101 3 40 SH DEFINED 0 40 0 CISCO SYS INC COM 17275R102 6131 317322 SH X 1 305617 3415 8290 CISCO SYS INC COM 17275R102 838 43362 SH X 1 39115 3447 800 CISCO SYS INC COM 17275R102 777 40240 SH DEFINED 26824 3620 9796 CINTAS CORP COM 172908105 279 6380 SH DEFINED 5360 670 350 CITIGROUP INC COM 172967101 13281 275664 SH X 1 264017 1945 9702 CITIGROUP INC COM 172967101 2072 42998 SH X 1 29324 13674 CITIGROUP INC COM 172967101 2719 56441 SH DEFINED 48152 6936 1353 CITIGROUP INVSTS CORP LN FD 17307C107 42 3050 SH DEFINED 0 0 3050 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 8 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) CLOROX CO DEL COM 189054109 14 238 SH DEFINED 238 0 0 COBBLE HILL HOLDINGS INC CL 19088P208 755 75455 SH X 1 75455 COCA COLA CO COM 191216100 2180 52351 SH X 1 52351 COCA COLA CO COM 191216100 383 9196 SH X 1 3496 5700 COCA-COLA CO COM 191216100 1012 24310 SH DEFINED 14759 4709 4842 COLGATE PALMOLIVE CO COM 194162103 1175 22962 SH X 1 22942 20 COLGATE PALMOLIVE CO COM 194162103 31 599 SH X 1 599 COLGATE PALMOLIVE CO COM 194162103 220 4306 SH DEFINED 970 2300 1036 COMCAST CORP CL A COM 20030N101 39 1181 SH DEFINED 1037 144 0 COMERICA INC COM 200340107 183 3000 SH DEFINED 3000 0 0 COMMUNITY SVC COMMUNICATIONS COM 20404P203 41 13250 SH X 1 13250 COMPUTER ASSOC INTL INC COM 204912109 0 31 SH DEFINED 31 0 0 CONAGRA FOODS INC COM 205887102 165 5610 SH DEFINED 5360 250 0 CONOCOPHILLIPS COM 20825C104 150 1731 SH DEFINED 1531 0 200 CONSOLIDATED EDISON INC COM 209115104 89 2042 SH DEFINED 2042 0 0 CORNING INC COM 219350105 17 1500 SH DEFINED 0 1500 0 COTT CORPORATION COM 22163N106 125 5094 SH DEFINED 4630 464 0 COUNTRYWIDE FINL CORP COM 222372104 9 270 SH DEFINED 0 0 270 CUMMINS INC COM 231021106 25 300 SH DEFINED 0 0 300 DPL INC COM 233293109 381 15187 SH DEFINED 15187 0 0 DTE ENERGY CO COM 233331107 284 6600 SH DEFINED 3600 0 3000 DANAHER CORP DEL COM 235851102 11481 199987 SH X 1 191761 3096 5130 DANAHER CORP DEL COM 235851102 1331 23181 SH X 1 19791 2890 500 DANAHER CORPORATION COM 235851102 161 2805 SH DEFINED 2805 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 9 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) DEAN FOODS CO NEW COM 242370104 774 23499 SH DEFINED 20182 490 2827 DEERE & CO COM 244199105 44 600 SH DEFINED 100 500 0 DELL INC COM 24702R101 1601 38013 SH DEFINED 24744 7999 5270 DELPHI CORPORATION COM 247126105 5 629 SH DEFINED 0 629 0 DENTSPLY INTL INC NEW COM 249030107 1132 20147 SH DEFINED 18012 750 1385 DIEBOLD INC COM 253651103 663 11910 SH DEFINED 9955 175 1780 DISNEY WALT CO COM 254687106 118 4263 SH DEFINED 3157 0 1106 DOLLAR GEN CORP COM 256669102 521 25105 SH DEFINED 19327 1802 3976 DOMINION RES INC VA NEW COM 25746U109 6185 91309 SH X 1 88509 635 2165 DOMINION RES INC VA NEW COM 25746U109 579 8550 SH X 1 7147 1203 200 DOMINION RES INC VA NEW COM 25746U109 314 4639 SH DEFINED 4114 0 525 DONALDSON CO INC COM 257651109 68 2115 SH DEFINED 1885 0 230 DONNELLEY R R & SONS CO COM 257867101 32 918 SH DEFINED 918 0 0 DOVER CORP COM 260003108 341 8136 SH DEFINED 4716 2800 620 DOW CHEM CO COM 260543103 757 15281 SH X 1 15281 DOW CHEM CO COM 260543103 48 975 SH X 1 975 DOW CHEM CO COM 260543103 301 6100 SH DEFINED 5300 800 0 DU PONT E I DE NEMOURS & CO COM 263534109 986 20097 SH X 1 20097 DU PONT E I DE NEMOURS & CO COM 263534109 563 11482 SH X 1 6110 5372 DU PONT E I DE NEMOURS & CO COM 263534109 610 12454 SH DEFINED 11794 450 210 DUKE ENERGY CORP COM 264399106 176 6930 SH X 1 6930 DUKE ENERGY CORP COM 264399106 57 2265 SH X 1 2265 DUKE ENERGY CORP COM 264399106 157 6236 SH DEFINED 6154 0 82 E M C CORP MASS COM 268648102 6760 454575 SH X 1 440305 3470 10800 E M C CORP MASS COM 268648102 500 33608 SH X 1 26536 5572 1500 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 10 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) EAGLE MATERIALS INC COM 26969P108 1 17 SH DEFINED 0 0 17 EAGLE MATERIALS INC CL B 26969P207 4 59 SH DEFINED 0 0 59 EASTMAN CHEM CO COM 277432100 28 500 SH DEFINED 0 0 500 EATON VANCE CORP COM NON VTG 278265103 234 4480 SH X 1 4480 EBAY INC COM 278642103 12 110 SH DEFINED 110 0 0 ECOLAB INC COM 278865100 3687 104972 SH DEFINED 84313 13411 7248 EDO CORP COM 281347104 35 1103 SH DEFINED 1103 0 0 EL PASO CORP COM 28336L109 26 2575 SH DEFINED 2000 0 575 ELAN PLC ADR 284131208 10 400 SH DEFINED 0 0 400 ELECTRONIC ARTS INC COM 285512109 1073 17409 SH DEFINED 16144 55 1210 ELECTRONIC DATA SYS NEW COM 285661104 138 6019 SH DEFINED 6019 0 0 EMERSON ELEC CO COM 291011104 381 5431 SH X 1 5431 EMERSON ELEC CO COM 291011104 208 2965 SH X 1 2065 900 EMERSON ELEC CO COM 291011104 2492 35551 SH DEFINED 32066 1735 1750 ENERGEN CORP COM 29265N108 656 11141 SH DEFINED 8761 2123 257 ENERGY EAST CORP COM 29266M109 414 15510 SH X 1 15510 ENERGY EAST CORP COM 29266M109 197 7374 SH X 1 7374 ENTRAVISION COMMUNICATIONS C CL A 29382R107 167 20000 SH X 1 20000 EQUIFAX INC COM 294429105 6 200 SH X 1 200 EQUIFAX INC COM 294429105 1172 41721 SH X 1 41721 EQUIFAX INC COM 294429105 84 3000 SH DEFINED 3000 0 0 EQUITY OFFICE PROPERTIES TR COM 294741103 10 349 SH DEFINED 349 0 0 EXELON CORP COM 30161N101 7389 167672 SH X 1 162037 1480 4155 EXELON CORP COM 30161N101 782 17734 SH X 1 15271 1763 700 EXELON CORP COM 30161N101 283 6424 SH DEFINED 6424 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 11 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL (A) (B) (C) MGRS (A) (B) (C) EXELIXIS INC COM 30161Q104 0 50 SH DEFINED 0 50 0 EXPRESS SCRIPTS INC COM 302182100 337 4415 SH DEFINED 1195 3220 0 EXXON MOBIL CORP COM 30231G102 24757 482970 SH X 1 474008 3270 5692 EXXON MOBIL CORP COM 30231G102 5444 106200 SH X 1 86592 16108 3500 EXXON MOBIL CORP COM 30231G102 8306 162073 SH DEFINED 112850 23979 25244 FPL GROUP INC COM 302571104 419 5610 SH X 1 5610 FPL GROUP INC COM 302571104 140 1875 SH X 1 1875 FPL GROUP INC COM 302571104 485 6494 SH DEFINED 5470 525 499 FAIR ISAAC CORP COM 303250104 11 300 SH DEFINED 0 0 300 FAIRCHILD SEMICONDUCTOR INTL COM 303726103 21 1320 SH DEFINED 1320 0 0 FAMILY DLR STORES INC COM 307000109 291 9345 SH DEFINED 8705 500 140 FEDERAL HOME LN MTG CORP COM 313400301 64 875 SH DEFINED 675 0 200 FEDERAL NATL MTG ASSN COM 313586109 130 1830 SH X 1 1830 FEDERAL NATL MTG ASSN COM 313586109 127 1790 SH X 1 1790 FANNIE MAE COM 313586109 176 2480 SH DEFINED 480 0 2000 FEDEX CORP COM 31428X106 52 538 SH DEFINED 538 0 0 FIRST AMERICAN CORP COM 318522307 21 600 SH DEFINED 0 0 600 FIRST CMNTY BANCSHARES INC NEW COM 31983A103 39 1100 SH DEFINED 0 1100 0 FIRST DATA CORP COM 319963104 9708 228212 SH X 1 219220 2045 6947 FIRST DATA CORP COM 319963104 852 20021 SH X 1 16988 2633 400 FIRST DATA CORP COM 319963104 1968 46276 SH DEFINED 33960 6140 6176 FIRST HORIZON NATL CORP COM 320517105 29 680 SH DEFINED 680 0 0 FIRST NATIONAL LINCOLN CORP COM 335716106 417 23904 SH DEFINED 2604 9300 12000 FRA US FLOATING RATE INC STRAT FUND 339735102 45 2400 SH DEFINED 0 0 2400 FLORIDA ROCK INDS INC COM 341140101 953 16020 SH DEFINED 14773 662 585 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 12 ASSETS AS OF 12/31/04 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 NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT 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