13F-HR 1 ptr2891205.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 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 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) LUCENT TECHNOLOGIES INC WTS 549463131 67 70000 SH X 1 70000 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 2 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) ACCO BRANDS CORP COM 00081T108 91 3261 SH DEFINED 2967 79 215 ABM INDS INC COM 000957100 6 290 SH DEFINED 290 0 0 AFLAC INC COM 001055102 24 550 SH DEFINED 0 0 550 AGL RESOURCES INC COM 001204106 116 3130 SH DEFINED 2710 200 220 AES CORP COM 00130H105 6 400 SH DEFINED 0 0 400 AT&T CORP NEW COM 001957505 8 438 SH DEFINED 438 0 0 ABBOTT LABS COM 002824100 6229 146899 SH X 1 140186 2025 4688 ABBOTT LABS COM 002824100 870 20517 SH X 1 19517 910 90 ABBOTT LABS COM 002824100 742 17503 SH DEFINED 15023 620 1860 ADOBE SYS INC COM 00724F101 4875 163323 SH X 1 155991 2130 5202 ADOBE SYS INC COM 00724F101 283 9485 SH X 1 8565 805 115 ADOBE SYSTEMS INC DE COM 00724F101 807 27076 SH DEFINED 24630 400 2046 AEGON N V ORD AMER REG 007924103 2 200 SH DEFINED 200 0 0 AETNA INC NEW COM 00817Y108 28 332 SH DEFINED 332 0 0 AFFILIATED COMPUTER SERVICES INC 008190100 90 1662 SH DEFINED 770 780 112 AGERE SYS INC COM 00845V308 0 2 SH DEFINED 2 0 0 AIR PRODS & CHEMS INC COM 009158106 395 7179 SH DEFINED 5196 0 1983 ALBERTO-CULVER CO COM 013068101 775 17340 SH DEFINED 13937 645 2758 ALCOA INC COM 013817101 23 968 SH DEFINED 268 0 700 ALLEGHENY ENERGY INC COM 017361106 6 200 SH DEFINED 200 0 0 ALLERGAN INC COM 018490102 35 390 SH DEFINED 390 0 0 ALLMERICA FINL CORP COM 019754100 66 1608 SH DEFINED 321 1287 0 ALLSTATE CORP COM 020002101 8864 160315 SH X 1 153920 1650 4745 ALLSTATE CORP COM 020002101 601 10864 SH X 1 9969 800 95 ALLTEL CORP COM 020039103 3885 59671 SH X 1 57454 507 1710 ALLTEL CORP COM 020039103 175 2685 SH X 1 2495 190 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 3 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) ALLTEL CORP COM 020039103 2455 37711 SH DEFINED 30488 5291 1932 ALPHARMA INC CL A 020813101 19 800 SH DEFINED 800 0 0 ALTRIA GROUP INC COM 02209S103 1402 19014 SH X 1 18089 825 100 ALTRIA GROUP INC COM 02209S103 513 6961 SH X 1 6568 393 ALTRIA GROUP INC COM 02209S103 196 2670 SH DEFINED 1470 0 1200 AMBAC FINL GROUP INC COM 023139108 10712 148656 SH X 1 142025 2045 4586 AMBAC FINL GROUP INC COM 023139108 690 9575 SH X 1 8565 910 100 AMDURA CORPORATION ESCROW 0234269A9 10 10000 SH X 1 10000 AMEREN CORP COM 023608102 18 350 SH DEFINED 350 0 0 AMERICAN ELEC PWR INC COM 025537101 29 742 SH DEFINED 742 0 0 AMERICAN EXPRESS CO COM 025816109 264 4589 SH X 1 4589 AMERICAN EXPRESS CO COM 025816109 136 2375 SH X 1 1625 750 AMERICAN EXPRESS CO COM 025816109 465 8107 SH DEFINED 7962 0 145 AMERICAN INTL GROUP INC COM 026874107 450 7265 SH X 1 4912 50 2303 AMERICAN INTL GROUP INC COM 026874107 288 4656 SH X 1 4656 AMERICAN INTL GROUP INC COM 026874107 897 14492 SH DEFINED 4753 4023 5716 AMERICAN SUPERCONDUCTOR CORP COM 030111108 8 832 SH DEFINED 832 0 0 AMGEN INC COM 031162100 10061 126289 SH X 1 121091 1428 3770 AMGEN INC COM 031162100 945 11865 SH X 1 10370 1150 345 AMGEN INC COM 031162100 2757 34613 SH DEFINED 26821 4800 2992 AMSOUTH BANCORPORATION COM 032165102 15 595 SH DEFINED 595 0 0 ANADARKO PETE CORP COM 032511107 47 500 SH DEFINED 500 0 0 ANALOG DEVICES INC COM 032654105 169 4565 SH DEFINED 3630 560 375 ANHEUSER BUSCH COS INC COM 035229103 110 2572 SH DEFINED 2162 170 240 APACHE CORP COM 037411105 3625 48203 SH DEFINED 36723 6511 4969 APPLERA CORP - CELERA GENOMICS 038020202 0 45 SH DEFINED 45 0 0 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 4 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) APPLIED MATLS INC COM 038222105 22 1317 SH X 1 1317 APPLIED MATLS INC COM 038222105 160 9450 SH X 1 9450 APPLIED MATLS INC COM 038222105 23 1400 SH DEFINED 1400 0 0 AQUA AMERICA INC COM 03836W103 1174 30906 SH DEFINED 23931 4935 2040 ARROW FINL CORP COM 042744102 366 13480 SH X 1 13480 ARROW FINL CORP COM 042744102 783 28872 SH X 1 28872 AUTODESK INC COM 052769106 1717 36985 SH DEFINED 27495 6995 2495 AUTOMATIC DATA PROCESSING IN COM 053015103 8595 199699 SH X 1 191642 3052 5005 AUTOMATIC DATA PROCESSING IN COM 053015103 920 21364 SH X 1 19148 2121 95 AUTOMATIC DATA PROCESSING INC COM 053015103 1476 34308 SH DEFINED 19719 6920 7669 AVALONBAY CMNTYS INC COM 053484101 27 324 SH DEFINED 324 0 0 AVAYA INC COM 053499109 0 1 SH DEFINED 1 0 0 AVERY DENNISON CORP COM 053611109 292 5579 SH DEFINED 4643 250 686 AVON PRODS INC COM 054303102 42 1585 SH DEFINED 385 0 1200 BB&T CORP COM 054937107 17 445 SH X 1 445 BB&T CORP COM 054937107 235 6017 SH X 1 6017 BB&T CORP COM 054937107 305 7829 SH DEFINED 5479 0 2350 BJ SVCS CO COM 055482103 8449 234755 SH X 1 225948 2230 6577 BJ SVCS CO COM 055482103 502 13935 SH X 1 10940 1805 1190 B J SERVICES CO COM 055482103 2471 68705 SH DEFINED 51800 11436 5469 BP PLC SPONSORED ADR 055622104 1333 18820 SH X 1 17307 529 984 BP PLC SPONSORED ADR 055622104 986 13913 SH X 1 12025 904 984 BP P L C SPONS ADR 055622104 1616 22818 SH DEFINED 16087 3036 3695 BALL CORP COM 058498106 122 3323 SH DEFINED 2863 175 285 BANK OF AMERICA CORPORATION COM 060505104 9300 220909 SH X 1 213062 1955 5892 BANK OF AMERICA CORPORATION COM 060505104 1096 26022 SH X 1 19321 6586 115 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 5 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) BANK OF AMERICA CORP COM 060505104 606 14408 SH DEFINED 7952 0 6456 BANK NEW YORK INC COM 064057102 121 4149 SH DEFINED 3434 180 535 BARD C R INC COM 067383109 52 800 SH DEFINED 0 0 800 BAXTER INTL INC COM 071813109 98 2462 SH DEFINED 2222 240 0 BECTON DICKINSON & CO COM 075887109 1300 24813 SH DEFINED 21155 903 2755 BED BATH & BEYOND INC COM 075896100 34 865 SH DEFINED 260 0 605 BELLSOUTH CORP COM 079860102 1102 41883 SH X 1 39414 769 1700 BELLSOUTH CORP COM 079860102 422 16032 SH X 1 11415 4617 BELLSOUTH CORP COM 079860102 336 12792 SH DEFINED 10260 852 1680 BEMIS INC COM 081437105 168 6808 SH DEFINED 5530 0 1278 BERKSHIRE HATHAWAY INC DEL CL A 084670108 492 6 SH DEFINED 0 0 6 BERKSHIRE HATHAWAY INC DEL CL B 084670207 254 93 SH X 1 72 21 BERKSHIRE HATHAWAY INC DEL CL B 084670207 44 16 SH X 1 16 BERKSHIRE HATHAWAY INC DEL CL B 084670207 565 207 SH DEFINED 107 0 100 BEST BUY INC COM 086516101 7654 175836 SH X 1 167911 2119 5806 BEST BUY INC COM 086516101 450 10341 SH X 1 8726 1530 85 BEST BUY INC COM 086516101 316 7283 SH DEFINED 4893 0 2390 BHP BILLITON LTD SPONSORED ADR 088606108 798 23350 SH DEFINED 16960 5835 555 BIOMET INC COM 090613100 283 8175 SH DEFINED 6085 0 2090 BLACK & DECKER CORP COM 091797100 16 200 SH DEFINED 0 0 200 BLACK HILLS CORP COM 092113109 36 842 SH DEFINED 842 0 0 BOEING CO COM 097023105 105 1542 SH X 1 1542 BOEING CO COM 097023105 644 9478 SH X 1 350 9128 BOEING CO COM 097023105 329 4845 SH DEFINED 3750 245 850 BOSTON PROPERTIES INC COM 101121101 29 416 SH DEFINED 416 0 0 BRISTOL MYERS SQUIBB CO COM 110122108 483 20072 SH X 1 18004 2068 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 6 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) BRISTOL MYERS SQUIBB CO COM 110122108 318 13237 SH X 1 8287 2950 2000 BRISTOL MYERS SQUIBB CO COM 110122108 536 22302 SH DEFINED 10793 1040 10469 BROWN & BROWN INC COM 115236101 2281 45920 SH DEFINED 37860 6062 1998 BURLINGTON NORTHN SANTA FE C COM 12189T104 5041 84306 SH X 1 81343 560 2403 BURLINGTON NORTHN SANTA FE C COM 12189T104 588 9827 SH X 1 4802 525 4500 BURLINGTON NORTHN SANTE FE C COM 12189T104 1219 20402 SH DEFINED 14535 4840 1027 BURLINGTON RES INC COM 122014103 272 3348 SH X 1 3348 BURLINGTON RES INC COM 122014103 65 800 SH X 1 800 BURLINGTON RES INC COM 122014103 2487 30592 SH DEFINED 23830 4748 2014 CGI HLDG CORP COM 125318105 17 10000 SH DEFINED 10000 0 0 CIGNA CORP COM 125509109 212 1796 SH X 1 1796 CIGNA CORP COM 125509109 162 1375 SH X 1 1375 CIGNA CORP COM 125509109 247 2100 SH DEFINED 1800 300 0 CIT GROUP INC COM 125581108 1013 22435 SH DEFINED 16150 5025 1260 CVS CORP COM 126650100 1245 42936 SH DEFINED 30946 8105 3885 CABELAS INC COM 126804301 0 50 SH DEFINED 50 0 0 CADBURY SCHWEPPES PLC ADR 127209302 34 840 SH DEFINED 840 0 0 CAMDEN NATL CORP COM 133034108 20 550 SH DEFINED 450 0 100 CAMECO CORP COM 13321L108 107 2000 SH DEFINED 1500 0 500 CANADIAN NATL RY CO COM 136375102 122 1720 SH DEFINED 1045 0 675 CAREMARK RX INC COM 141705103 17 350 SH DEFINED 350 0 0 CARNIVAL CORP COM 143658300 475 9525 SH DEFINED 8875 420 230 CATERPILLAR INC DEL COM 149123101 1459 24832 SH X 1 24732 100 CENDANT CORP COM 151313103 824 39951 SH DEFINED 31423 2255 6273 CENTEX CORPORATION COM 152312104 38 600 SH DEFINED 0 0 600 CENTRAL FINL CORP VT COM 153472105 4276 36240 SH X 1 36240 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 7 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) CERTEGY INC COM 156880106 1082 27030 SH X 1 27030 CERTEGY INC COM 156880106 16 400 SH X 1 400 CHAMPLAIN BANK CORP COM 15871P108 265 690 SH X 1 690 CHEVRON CORP NEW COM 166764100 10867 167889 SH X 1 161943 2041 3905 CHEVRON CORP NEW COM 166764100 1424 21993 SH X 1 20211 1712 70 CHEVRON CORP NEW COM 166764100 2049 31661 SH DEFINED 28449 1031 2181 CHICOS FAS INC COM 168615102 5 145 SH DEFINED 145 0 0 CHITTENDENCAP TR I GTD CAP SECS 170221204 522 19700 SH X 1 19700 CHITTENDENCAP TR I GTD CAP SECS 170221204 11 400 SH X 1 400 CHITTENDEN CORP COM 170228100 8143 307159 SH X 1 268290 31250 7619 CHITTENDEN CORP COM 170228100 1741 65681 SH X 1 52515 2287 10879 CHITTENDEN CORP COM 170228100 3 125 SH DEFINED 0 0 125 CHOICEPOINT INC COM 170388102 1017 23558 SH X 1 23558 CHUBB CORP COM 171232101 2275 25408 SH DEFINED 20092 3583 1733 CISCO SYS INC COM 17275R102 5927 330756 SH X 1 315517 5180 10059 CISCO SYS INC COM 17275R102 804 44872 SH X 1 41353 2549 970 CISCO SYS INC COM 17275R102 439 24526 SH DEFINED 13170 3070 8286 CINTAS CORP COM 172908105 90 2200 SH DEFINED 2200 0 0 CITIGROUP INC COM 172967101 12806 281326 SH X 1 266865 3305 11156 CITIGROUP INC COM 172967101 1968 43238 SH X 1 29665 13423 150 CITIGROUP INC COM 172967101 1924 42280 SH DEFINED 39588 1700 992 CITIGROUP INVSTS CORP LN FD 17307C107 39 3050 SH DEFINED 0 0 3050 CLOROX CO DEL COM 189054109 68 1228 SH DEFINED 1183 0 45 COACH INC COM 189754104 1 35 SH DEFINED 35 0 0 COBBLE HILL HOLDINGS, INC CL 19088P208 755 75455 SH X 1 75455 COCA COLA CO COM 191216100 1229 28459 SH X 1 28459 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 8 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) COCA COLA CO COM 191216100 1171 27108 SH X 1 21408 5700 COCA-COLA CO COM 191216100 956 22163 SH DEFINED 12162 4509 5492 COLGATE PALMOLIVE CO COM 194162103 1316 24927 SH X 1 24927 COLGATE PALMOLIVE CO COM 194162103 50 949 SH X 1 949 COLGATE PALMOLIVE CO COM 194162103 227 4318 SH DEFINED 730 2300 1288 COMCAST CORP CL A COM 20030N101 30 1035 SH DEFINED 1035 0 0 COMERICA INC COM 200340107 176 3000 SH DEFINED 3000 0 0 COMMUNITY SVC COMMUNICATIONS NEW 20404P203 44 13250 SH X 1 13250 COMPUTER ASSOC INTL INC COM 204912109 0 5 SH DEFINED 5 0 0 CONAGRA FOODS INC COM 205887102 81 3285 SH DEFINED 3035 250 0 CONOCOPHILLIPS COM 20825C104 165 2362 SH X 1 2362 CONOCOPHILLIPS COM 20825C104 218 3116 SH X 1 1716 1400 CONOCOPHILLIPS COM 20825C104 1568 22433 SH DEFINED 16333 4330 1770 CONSOLIDATED EDISON INC COM 209115104 99 2042 SH DEFINED 2042 0 0 CONSTELLATION ENERGY GROUP ICOM 210371100 32 520 SH DEFINED 520 0 0 CORNING INC COM 219350105 28 1500 SH DEFINED 0 1500 0 COTT CORPORATION COM 22163N106 5 330 SH DEFINED 330 0 0 COUNTRYWIDE FINL CORP COM 222372104 9 300 SH DEFINED 0 0 300 CUMMINS INC COM 231021106 26 300 SH DEFINED 0 0 300 DPL INC COM 233293109 422 15187 SH DEFINED 15187 0 0 DTE ENERGY CO COM 233331107 302 6600 SH DEFINED 3600 0 3000 DANAHER CORP DEL COM 235851102 9638 179036 SH X 1 170261 3670 5105 DANAHER CORP DEL COM 235851102 988 18345 SH X 1 15885 1885 575 DANAHER CORPORATION COM 235851102 62 1165 SH DEFINED 1165 0 0 DARDEN RESTAURANTS INC COM 237194105 6770 222909 SH X 1 214507 2225 6177 DARDEN RESTAURANTS INC COM 237194105 410 13505 SH X 1 12355 1025 125 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 9 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) DEAN FOODS CO NEW COM 242370104 607 15622 SH DEFINED 13860 260 1502 DEERE & CO COM 244199105 38 625 SH DEFINED 125 500 0 DELL INC COM 24702R101 4596 134393 SH X 1 128722 1630 4041 DELL INC COM 24702R101 318 9310 SH X 1 8585 640 85 DELL INC COM 24702R101 1628 47612 SH DEFINED 35514 6535 5563 DELPHI CORPORATION COM 247126105 1 629 SH DEFINED 0 629 0 DELTA AIR LINES INC DEL COM 247361108 0 705 SH DEFINED 705 0 0 DENTSPLY INTL INC NEW COM 249030107 719 13321 SH DEFINED 10300 1040 1981 DIEBOLD INC COM 253651103 328 9548 SH DEFINED 8397 405 746 DISNEY WALT CO COM 254687106 99 4123 SH DEFINED 3017 0 1106 DISCOVERY HOLDING CO CL A COM 25468Y107 2 180 SH DEFINED 0 0 180 DOLLAR GEN CORP COM 256669102 96 5270 SH DEFINED 4222 0 1048 DOMINION RES INC VA NEW COM 25746U109 7722 89642 SH X 1 86148 1015 2479 DOMINION RES INC VA NEW COM 25746U109 681 7908 SH X 1 5711 1957 240 DOMINION RES INC VA NEW COM 25746U109 1203 13977 SH DEFINED 11392 1755 830 DONALDSON CO INC COM 257651109 7 230 SH DEFINED 0 0 230 DONNELLEY R R & SONS CO COM 257867101 7 190 SH DEFINED 190 0 0 DOVER CORP COM 260003108 1131 27740 SH DEFINED 17495 8915 1330 DOW CHEM CO COM 260543103 588 14105 SH X 1 14105 DOW CHEM CO COM 260543103 84 2006 SH X 1 1313 693 DOW CHEM CO COM 260543103 226 5444 SH DEFINED 4644 800 0 DU PONT E I DE NEMOURS & CO COM 263534109 689 17595 SH X 1 17595 DU PONT E I DE NEMOURS & CO COM 263534109 525 13397 SH X 1 6975 6422 DU PONT E I DE NEMOURS & CO COM 263534109 394 10066 SH DEFINED 9356 450 260 DUKE ENERGY CORP COM 264399106 195 6670 SH X 1 6670 DUKE ENERGY CORP COM 264399106 43 1465 SH X 1 1465 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 10 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) DUKE ENERGY CORP COM 264399106 867 29746 SH DEFINED 24474 4465 807 E M C CORP MASS COM 268648102 5632 435235 SH X 1 417620 5575 12040 E M C CORP MASS COM 268648102 391 30248 SH X 1 25253 3265 1730 EAGLE MATERIALS INC COM 26969P108 2 17 SH DEFINED 0 0 17 EAGLE MATERIALS INC CL B 26969P207 6 59 SH DEFINED 0 0 59 EASTMAN CHEM CO COM 277432100 23 500 SH DEFINED 0 0 500 EATON VANCE CORP COM NON VTG 278265103 234 9410 SH X 1 9410 ECOLAB INC COM 278865100 1592 49882 SH DEFINED 42364 3235 4283 EDO CORP COM 281347104 26 893 SH DEFINED 893 0 0 EL PASO CORP COM 28336L109 35 2575 SH DEFINED 2000 0 575 ELAN PLC ADR 284131208 0 100 SH DEFINED 0 0 100 ELECTRONIC ARTS INC COM 285512109 395 6946 SH DEFINED 5976 0 970 ELECTRONIC DATA SYS NEW COM 285661104 33 1499 SH DEFINED 1499 0 0 EMERSON ELEC CO COM 291011104 353 4922 SH X 1 4922 EMERSON ELEC CO COM 291011104 228 3178 SH X 1 2278 900 EMERSON ELEC CO COM 291011104 1933 26935 SH DEFINED 24069 1550 1316 ENERGEN CORP COM 29265N108 706 16334 SH DEFINED 10854 4176 1304 ENERGY EAST CORP COM 29266M109 388 15400 SH X 1 15400 ENERGY EAST CORP COM 29266M109 186 7374 SH X 1 7374 ENTERGY CORP NEW COM 29364G103 3 45 SH DEFINED 45 0 0 ENTRAVISION COMMUNICATIONS C CL A 29382R107 157 20000 SH X 1 20000 EQUIFAX INC COM 294429105 1730 49500 SH X 1 49500 EQUIFAX INC COM 294429105 19 550 SH X 1 550 EQUIFAX INC COM 294429105 99 2850 SH DEFINED 2850 0 0 WESTERN ASSET CLAYMORE US TR INFL 95766Q106 39 3200 SH DEFINED 3200 0 0 EXELON CORP COM 30161N101 7867 147216 SH X 1 141183 1954 4079 CHITTENDEN BANK SECURITIES AND EXCHANGE COMMISSION FORM 13F PAGE 11 ASSETS AS OF 09/30/05 COLUMN 1 AND 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COL 7 COLUMN 8 INVESTMENT MARKET DISCRETION VOTING AUTHORITY VALUE SHS OR SH/PUT SOLE SHR OTHR OTHR SOLE SHARED NONE NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) EXELON CORP COM 30161N101 838 15675 SH X 1 12195 2720 760 EXELON CORP COM 30161N101 1049 19639 SH DEFINED 16074 2975 590 EXELIXIS INC COM 30161Q104 0 50 SH DEFINED 0 50 0 EXPRESS SCRIPTS INC COM 302182100 1753 28185 SH DEFINED 21625 5590 970 EXXON MOBIL CORP COM 30231G102 29028 456841 SH X 1 446275 4817 5749 EXXON MOBIL CORP COM 30231G102 6469 101803 SH X 1 77321 20897 3585 EXXON MOBIL CORP COM 30231G102 8938 140683 SH DEFINED 95940 19873 24870 FPL GROUP INC COM 302571104 413 8670 SH X 1 8670 FPL GROUP INC COM 302571104 223 4686 SH X 1 4650 36 FPL GROUP INC COM 302571104 659 13850 SH DEFINED 10728 1240 1882 FAIR ISAAC CORP COM 303250104 13 300 SH DEFINED 0 0 300 FAMILY DLR STORES INC COM 307000109 64 3235 SH DEFINED 3235 0 0 FEDERAL HOME LN MTG CORP COM 313400301 22 400 SH DEFINED 400 0 0 FANNIE MAE COM 313586109 114 2565 SH DEFINED 565 0 2000 FEDERATED DEPT STORES INC COM 31410H101 47 703 SH DEFINED 703 0 0 FEDEX 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CUSIP (X$1000) PRN AMT CALL (A) (B) (C) MGRS (A) (B) (C) FORD MTR CO DEL COM PAR $0.01 345370860 5 524 SH DEFINED 524 0 0 FORD MOTOR TR II CONV PFD 345395206 10 300 SH DEFINED 300 0 0 FOREST LABORATORIES INC COM 345838106 35 912 SH DEFINED 287 0 625 FORTUNE BRANDS INC COM 349631101 5695 70019 SH X 1 67356 795 1868 FORTUNE BRANDS INC COM 349631101 379 4656 SH X 1 4011 610 35 FORTUNE BRANDS INC COM 349631101 2166 26638 SH DEFINED 22110 3200 1328 FREEPORT-MCMORAN COPPER & GOCL B 35671D857 151 3117 SH DEFINED 0 0 3117 FREESCALE SEMICONDUCTOR INC CL B 35687M206 3 143 SH DEFINED 11 132 0 FULTON FINL CORP PA COM 360271100 152 9106 SH DEFINED 9106 0 0 GATX CORP COM 361448103 50 1280 SH DEFINED 780 500 0 GANNETT INC COM 364730101 2767 40205 SH X 1 32369 20 7816 GANNETT INC COM 364730101 925 13437 SH X 1 13337 100 GANNETT INC COM 364730101 769 11185 SH DEFINED 7585 1962 1638 GENENTECH INC COM NEW 368710406 5593 66413 SH X 1 63935 655 1823 GENENTECH INC COM NEW 368710406 360 4270 SH X 1 3915 320 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