UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 2004
__________________
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: PEOPLES BANK, NATIONAL ASSOCIATION
Address: 138 PUTNAM STREET
MARIETTA, OH 45750
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: DAVID B. BAKER
Title: PRESIDENT, INVESTMENT & INSURANCE SERVICE
Phone: 740-374-6108
Signature, Place, and Date of Signing:
/s/ DAVID B. BAKER MARIETTA, OH APRIL 20, 2004
________________ ______________ ________________
[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 is no holdings reported are in this report, and
all holdings are reported by other reporting manager(s).)
[ ] 13F COMBINATION REPORT. (Check here is a portion of the holdings for
this reporting manager are reported in this report, and a portion are
reported by other reporting manager(s).)
FORM 13F SUMMARY PAGE
Report Summary:
Number of Other Included Managers: 0
___________
Form 13F Information Table Entry Total: 181
___________
Form 13F Information Table Entry Total: $160,082
___________
[Thousands]
List of Other Included Managers: NONE
___________
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- --- --- --- ---- ------- ------------- ------- --------- ------
ABBOTT LABORATORIES COM 002824100 922 22450 SH SOLE 22450
ABBOTT LABORATORIES COM 002824100 12 301 SH OTHER 301
ALTRIA GROUP INC COM 02209S103 189 3475 SH SOLE 3475
ALTRIA GROUP INC COM 02209S103 10 200 SH OTHER 200
AMERICAN EXPRESS COM 025816109 239 4623 SH SOLE 4623
AMERICAN EXPRESS COM 025816109 10 200 SH OTHER 200
AMERICAN INTL GROUP INC COM 026874107 775 10864 SH SOLE 10864
AMERICAN INTL GROUP INC COM 026874107 58 824 SH OTHER 824
ANHEUSER-BUSCH COM 035229103 323 6351 SH SOLE 5725 626
ANHEUSER-BUSCH COM 035229103 71 1402 SH OTHER 1402
APACHE CORPORATION COM 037411105 290 6720 SH SOLE 3520 3200
APACHE CORPORATION COM 037411105 22 514 SH OTHER 514
BP AMOCO PLC SPONS ADR COM 055622104 1266 24741 SH SOLE 24741
BP AMOCO PLC SPONS ADR COM 055622104 376 7346 SH OTHER 7346
BANK OF AMERICA CORP COM 060505104 3617 44670 SH SOLE 42910 1760
BANK OF AMERICA CORP COM 060505104 64 800 SH OTHER 800
BANK ONE CORPORATION COM 06423A103 258 4733 SH SOLE 4733
BANK ONE CORPORATION COM 06423A103 74 1374 SH OTHER 1061 313
BELLSOUTH CORP COMMON COM 079860102 432 15604 SH SOLE 15604
BELLSOUTH CORP COMMON COM 079860102 24 876 SH OTHER 876
BELMONT BANCORP COM 080162100 180 32900 SH DEFINED 32900
BLACK & DECKER COM 091797100 279 4915 SH SOLE 1885 3030
BLACK & DECKER COM 091797100 29 525 SH OTHER 525
BOB EVANS FARMS INC COMMON COM 096761101 4807 148690 SH SOLE 148690
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 648 26780 SH SOLE 26180 600
BRISTOL-MYERS SQUIBB COMPANY COM 110122108 9 400 SH OTHER 400
CAMCO FINANCIAL CORP COM 132618109 676 41262 SH SOLE 41262
CARDINAL HEALTH INC COM 14149Y108 361 5250 SH SOLE 5250
CARDINAL HEALTH INC COM 14149Y108 68 1000 SH OTHER 1000
CATERPILLAR INC COM 149123101 262 3325 SH SOLE 3325
CHEVRONTEXACO CORP COM COM 166764100 2379 27103 SH SOLE 27103
CHEVRONTEXACO CORP COM COM 166764100 287 3275 SH OTHER 3275
CISCO SYSTEMS COM 17275R102 1406 59684 SH SOLE 59684
CISCO SYSTEMS COM 17275R102 79 3362 SH OTHER 3362
CITIGROUP INC COMMON COM 172967101 1216 23539 SH SOLE 20769 2770
CITIGROUP INC COMMON COM 172967101 97 1885 SH OTHER 1885
COCA COLA CO COMMON COM 191216100 1023 20338 SH SOLE 20338
COCA COLA CO COMMON COM 191216100 67 1340 SH OTHER 1340
DANAHER CORP COM 235851102 485 5205 SH SOLE 5205
DANAHER CORP COM 235851102 32 345 SH OTHER 345
DELL INC COM 24702R101 438 13054 SH SOLE 13054
DELL INC COM 24702R101 31 940 SH OTHER 940
DOW JONES INDUSTRIAL TRUST SER COM 252787106 3666 35284 SH SOLE 35284
DOW JONES INDUSTRIAL TRUST SER COM 252787106 244 2353 SH OTHER 2353
DOW CHEMICAL CO COMMON COM 260543103 1141 28345 SH SOLE 28345
DOW CHEMICAL CO COMMON COM 260543103 24 600 SH OTHER 600
DU PONT E I DE NEMOURS & CO CO COM 263534109 827 19607 SH SOLE 16577 3030
DU PONT E I DE NEMOURS & CO CO COM 263534109 86 2057 SH OTHER 2057
EXXON MOBIL CORPORATION COM 30231G102 5378 129326 SH SOLE 126346 2980
EXXON MOBIL CORPORATION COM 30231G102 238 5745 SH OTHER 5745
FIRST FEDERAL DOVER FINANCIAL COM 30243C107 206 15150 SH DEFINED 15150
FIRST FEDERAL DOVER FINANCIAL COM 30243C107 11 850 SH OTHER 850
FNMA COMMON COM 313586109 525 7069 SH SOLE 6169 900
FNMA COMMON COM 313586109 13 176 SH OTHER 176
FIFTH THIRD BANCORP COM 316773100 967 17467 SH SOLE 17467
FIRST DATA CORPORATION COM 319963104 210 4989 SH SOLE 4989
FIRST DATA CORPORATION COM 319963104 28 685 SH OTHER 685
FIRST FEDERAL BANCORP INC OHIO COM 319966107 17 2000 SH SOLE 2000
FIRST FEDERAL BANCORP INC OHIO COM 319966107 384 42800 SH DEFINED 42800
FORD MOTOR COMPANY COM 345370860 145 10704 SH SOLE 10704
GANNETT CO INC COMMON COM 364730101 803 9116 SH SOLE 7276 1840
GANNETT CO INC COMMON COM 364730101 1253 14226 SH OTHER 14226
GENERAL ELECTRIC CO COMMON COM 369604103 5582 182910 SH SOLE 180740 2170
GENERAL ELECTRIC CO COMMON COM 369604103 272 8917 SH OTHER 8917
GENERAL MILLS COM 370334104 264 5676 SH SOLE 5676
GENERAL MOTORS CORP COMMON COM 370442105 156 3326 SH SOLE 3326
GENERAL MOTORS CORP COMMON COM 370442105 52 1106 SH OTHER 1106
GLAXO SMITHKLINE PLC ADR COM 37733W105 161 4046 SH SOLE 4046
GLAXO SMITHKLINE PLC ADR COM 37733W105 43 1089 SH OTHER 1089
GOLDMAN SACHS GROUP COM 38141G104 260 2500 SH SOLE 2500
GOLDMAN SACHS GROUP COM 38141G104 10 100 SH OTHER 100
HEARTLAND BANCORP COM 421962101 4374 102820 SH DEFINED 102820
HEWLETT PACKARD COM 428236103 834 36552 SH SOLE 36552
HEWLETT PACKARD COM 428236103 19 851 SH OTHER 851
HOCKING VALLEY BANCSHARES COM 434160107 148 358 SH SOLE 358
HOCKING VALLEY BANCSHARES COM 434160107 67 162 SH OTHER 162
HOME DEPOT COM 437076102 1071 28669 SH SOLE 25149 3520
HOME DEPOT COM 437076102 14 400 SH OTHER 400
INTEL CORP COM 458140100 3093 113723 SH SOLE 113723
INTEL CORP COM 458140100 84 3120 SH OTHER 3120
INTERNATIONAL BUSINESS MACH CO COM 459200101 1125 12251 SH SOLE 12251
INTERNATIONAL BUSINESS MACH CO COM 459200101 117 1280 SH OTHER 1280
INVITROGEN CORP COM 46185R100 215 3000 SH SOLE 3000
ISHARES DJ SELECT DIV COM 464287168 825 14930 SH SOLE 14930
ISHARES DJ SELECT DIV COM 464287168 103 1880 SH OTHER 180 1700
I SHARES S & P 500 INDEX COM 464287200 1646 14538 SH SOLE 14538
I SHARES S&P 500 BARRA GROWTH COM 464287309 772 13912 SH SOLE 13912
I SHARES S&P 500 BARRA VALUE COM 464287408 1813 31765 SH SOLE 31765
ISHARES MSCI INDEX - FOREIGN S COM 464287465 4170 29450 SH SOLE 29450
ISHARES MSCI INDEX - FOREIGN S COM 464287465 224 1582 SH OTHER 1125 457
I SHARES RUSSELL MIDCAP GROWTH COM 464287481 2091 27095 SH SOLE 27095
I SHARES RUSSELL MIDCAP GROWTH COM 464287481 56 735 SH OTHER 735
I SHARES S&P 400 MIDCAP COM 464287507 3568 29503 SH SOLE 29503
I SHARES S&P 400 MIDCAP COM 464287507 419 3468 SH OTHER 2310 1158
I SHARES RUSSELL 1000 VALUE COM 464287598 2481 41423 SH SOLE 41423
I SHARES RUSSELL 1000 VALUE COM 464287598 645 10775 SH OTHER 10125 650
I SHARES S&P 400 MIDCAP GROWTH COM 464287606 455 3675 SH SOLE 3675
I SHARES S&P 400 MIDCAP GROWTH COM 464287606 61 495 SH OTHER 270 225
I SHARES RUSSELL 1000 GROWTH COM 464287614 3171 67334 SH SOLE 67334
I SHARES RUSSELL 1000 GROWTH COM 464287614 168 3570 SH OTHER 2810 760
I SHARES RUSSELL 1000 COM 464287622 2087 34505 SH SOLE 34505
I SHARES RUSSELL 1000 COM 464287622 175 2895 SH OTHER 2895
ISHARES RUSSELL 2000 VALUE COM 464287630 695 4065 SH SOLE 4065
I SHARES RUSSELL 2000 GROWTH COM 464287648 556 8910 SH SOLE 8910
I SHARES RUSSELL 2000 COM 464287655 281 2397 SH SOLE 2397
I SHARES RUSSELL 2000 COM 464287655 129 1102 SH OTHER 315 787
I SHARES S&P 400 MIDCAP VALUE COM 464287705 2722 23554 SH SOLE 23554
I SHARES S&P 400 MIDCAP VALUE COM 464287705 98 855 SH OTHER 555 300
ISHARES DJ US TECHNOLOGY COM 464287721 650 13719 SH SOLE 13719
ISHARES DJ US TECHNOLOGY COM 464287721 44 933 SH OTHER 608 325
I SHARES S&P 600 SMALL CAP COM 464287804 1507 10585 SH SOLE 10585
I SHARES S&P 600 SMALL CAP COM 464287804 81 570 SH OTHER 570
I SHARES S&P 600 SMALL CAP VAL COM 464287879 699 6536 SH SOLE 6536
I SHARES S&P 600 SMALL CAP GRO COM 464287887 833 8900 SH SOLE 8900
JOHNSON & JOHNSON COM 478160104 1897 37413 SH SOLE 37413
JOHNSON & JOHNSON COM 478160104 32 650 SH OTHER 650
JOHNSON CONTROLS COM 478366107 227 3850 SH SOLE 700 3150
JOHNSON CONTROLS COM 478366107 5 90 SH OTHER 90
KIMBERLY-CLARK CORP COMMON COM 494368103 229 3630 SH SOLE 3630
KIMBERLY-CLARK CORP COMMON COM 494368103 31 500 SH OTHER 500
ELI LILLY COM 532457108 411 6153 SH SOLE 6153
ELI LILLY COM 532457108 46 700 SH OTHER 700
LUCENT TECHNOLOGIES COM 549463107 37 9072 SH SOLE 9072
LUCENT TECHNOLOGIES COM 549463107 23 5792 SH OTHER 5792
MERCK & CO INC COM 589331107 380 8602 SH SOLE 8027 575
MICROSOFT COM 594918104 1044 41879 SH SOLE 41879
MICROSOFT COM 594918104 75 3035 SH OTHER 3035
MORGAN STANLEY COM 617446448 257 4497 SH SOLE 3631 866
MORGAN STANLEY COM 617446448 20 357 SH OTHER 357
MOTOROLA INC COM 620076109 136 7769 SH SOLE 7769
MOTOROLA INC COM 620076109 44 2550 SH OTHER 600 1950
NASDAQ 100 SHARE INDEX COM 631100104 574 16018 SH SOLE 16018
NASDAQ 100 SHARE INDEX COM 631100104 15 445 SH OTHER 445
NATL CITY CORP CLEVELAND COMMO COM 635405103 192 5411 SH SOLE 5411
NATL CITY CORP CLEVELAND COMMO COM 635405103 12 360 SH OTHER 360
OMNICOM GROUP INC. COM 681919106 187 2335 SH SOLE 1185 1150
OMNICOM GROUP INC. COM 681919106 12 159 SH OTHER 159
ORACLE CORPORATION COM 68389X105 290 24217 SH SOLE 24217
ORACLE CORPORATION COM 68389X105 13 1100 SH OTHER 1100
P P G INDUSTRIES INC COMMON COM 693506107 315 5416 SH SOLE 5416
PEOPLES BANCORP INC. COM 709789101 6060 216671 SH SOLE 153583 63088
PEOPLES BANCORP INC. COM 709789101 23319 833716 SH OTHER 137969 695747
PEPSICO COM 713448108 1258 23367 SH SOLE 23367
PEPSICO COM 713448108 43 812 SH OTHER 812
PFIZER INC COMMON COM 717081103 1480 42241 SH SOLE 38381 3860
PFIZER INC COMMON COM 717081103 156 4478 SH OTHER 4478
PROCTER & GAMBLE COMPANY COMMO COM 742718109 1965 18745 SH SOLE 18745
PROCTER & GAMBLE COMPANY COMMO COM 742718109 133 1270 SH OTHER 1270
ROCKY SHOES & BOOTS COM 774830103 5503 227777 SH OTHER 31005 196772
ISHARES RYDEX S & P EQUAL WEIG COM 78355W106 3266 23335 SH SOLE 23335
ISHARES RYDEX S & P EQUAL WEIG COM 78355W106 413 2955 SH OTHER 1995 960
SBC COMMUNICATIONS INC COM 78387G103 517 21085 SH SOLE 21085
SBC COMMUNICATIONS INC COM 78387G103 31 1300 SH OTHER 1300
S & P 500 DEPOSITARY RECEIPT S COM 78462F103 3255 28780 SH SOLE 28780
S & P 500 DEPOSITARY RECEIPT S COM 78462F103 200 1770 SH OTHER 1770
STELLAR TECHNOLOGIES INC COM 85856E105 44 12500 SH SOLE 12500
STRYKER COM 863667101 177 2000 SH SOLE 2000
STRYKER COM 863667101 88 1000 SH OTHER 1000
TARGET CORPORATION COM 87612E106 513 11408 SH SOLE 11408
TARGET CORPORATION COM 87612E106 30 680 SH OTHER 680
3M COMPANY COM 88579Y101 2080 25410 SH SOLE 25410
3M COMPANY COM 88579Y101 17 208 SH OTHER 208
UNITED BANKSHARES INC COM 909907107 997 32700 SH SOLE 32700
UNITED TECHNOLOGIES INC COM 913017109 1383 16035 SH SOLE 14495 1540
UNITED TECHNOLOGIES INC COM 913017109 46 543 SH OTHER 543
UNIZAN FINANCIAL CORP COM 91528W101 931 37380 SH SOLE 37380
VERIZON COMMUNICATIONS COM 92343V104 775 21235 SH SOLE 21235
VERIZON COMMUNICATIONS COM 92343V104 54 1478 SH OTHER 1478
WACHOVIA CORP COM 929903102 834 17749 SH SOLE 17749
WACHOVIA CORP COM 929903102 14 300 SH OTHER 300
WAL MART STORES INC COM 931142103 1167 19560 SH SOLE 19560
WAL MART STORES INC COM 931142103 62 1040 SH OTHER 1040
WALGREEN CO COMMON COM 931422109 525 15950 SH SOLE 15950
WALGREEN CO COMMON COM 931422109 25 759 SH OTHER 759
WELLS FARGO AND COMPANY COM 949746101 1139 20104 SH SOLE 17574 2530
WELLS FARGO AND COMPANY COM 949746101 47 831 SH OTHER 831
WESBANCO COM 950810101 382 12591 SH SOLE 12591
WESBANCO COM 950810101 53 1760 SH OTHER 1760
WISER OIL CO DEL COM 977284108 100 12500 SH SOLE 12500
WYETH COMM COM 983024100 3140 83633 SH SOLE 83633
WYETH COMM COM 983024100 113 3018 SH OTHER 3018