UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended: 03/31/06 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 T WESEL, Title: EXECUTIVE VICE PRESIDENT & PRESIDENT, PEOPLES FINANCIAL ADVISORS Phone: 740-373-2932 Signature, Place, and Date of Signing: /s/ David T. Wesel Marietta, Oh April 18, 2006 ------------------ ---------------- ------------------ DAVID T. WESEL CITY, STATE DATE Report Type (Check only one.): [ X ] 13F HOLDINGS REPORT. [ ] 13F NOTICE. [ ] 13F COMBINATION REPORT. I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934. FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 0 Form 13F Information Table Entry Total: 164 Form 13F Information Table Entry Total: $153,776 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 ------------------------------ ---------------- --------- -------- --- --- --- ---- ------- ------------- ------- --------- ------ AT&T INC COM 00206R102 386 14285 SH SOLE 14285 AT&T INC COM 00206R102 13 501 SH OTHER 501 ABBOTT LABORATORIES COM 002824100 705 16620 SH SOLE 16620 ABBOTT LABORATORIES COM 002824100 69 1630 SH OTHER 1630 AMERICAN INTL GROUP INC COM 026874107 895 13546 SH SOLE 13546 AMERICAN INTL GROUP INC COM 026874107 18 280 SH OTHER 280 BP AMOCO PLC SPONS ADR COM 055622104 1439 20875 SH SOLE 19625 1250 BP AMOCO PLC SPONS ADR COM 055622104 411 5968 SH OTHER 5968 BANK OF AMERICA CORP COM 060505104 1970 43276 SH SOLE 41386 1890 BANK OF AMERICA CORP COM 060505104 62 1374 SH OTHER 1374 BELLSOUTH CORP COMMON COM 079860102 277 7996 SH SOLE 7996 BELLSOUTH CORP COMMON COM 079860102 30 876 SH OTHER 876 CVS CORPORATION COM 126650100 252 8465 SH SOLE 7080 1385 CAMCO FINANCIAL CORP COM 132618109 532 37051 SH SOLE 37051 CHEVRON CORPORATION COM 166764100 1555 26839 SH SOLE 26839 CHEVRON CORPORATION COM 166764100 315 5450 SH OTHER 5450 CISCO SYSTEMS COM 17275R102 817 37730 SH SOLE 37730 CISCO SYSTEMS COM 17275R102 60 2805 SH OTHER 2805 COCA COLA CO COMMON COM 191216100 229 5475 SH SOLE 5475 COCA COLA CO COMMON COM 191216100 47 1140 SH OTHER 1140 COLGATE PALMOLIVE COM 194162103 402 7055 SH SOLE 7055 COLGATE PALMOLIVE COM 194162103 10 180 SH OTHER 180 DANAHER CORP COM 235851102 549 8640 SH SOLE 7100 1540 DANAHER CORP COM 235851102 40 640 SH OTHER 640 DELL INC COM 24702R101 196 6604 SH SOLE 6604 DELL INC COM 24702R101 24 830 SH OTHER 830 DOW JONES INDUSTRIAL TRUST SER COM 252787106 164 1480 SH SOLE 1480 DOW JONES INDUSTRIAL TRUST SER COM 252787106 52 473 SH OTHER 473 DOVER CORP. COM 260003108 223 4610 SH SOLE 4610 DOW CHEMCIAL CO COM 260543103 671 16531 SH SOLE 16531 DOW CHEMCIAL CO COM 260543103 12 300 SH OTHER 300 DUPONT EI DE NEMOURS & CO COM 263534109 181 4300 SH SOLE 4300 DUPONT EI DE NEMOURS & CO COM 263534109 61 1457 SH OTHER 1457 EMC CORPORATION COM 268648102 441 32415 SH SOLE 32415 EMC CORPORATION COM 268648102 12 900 SH OTHER 900 EXELON CORPORATION COM 30161N101 363 6866 SH SOLE 6866 EXELON CORPORATION COM 30161N101 32 620 SH OTHER 620 EXXON MOBIL CORPORATION COM 30231G102 4045 66467 SH SOLE 65257 1210 EXXON MOBIL CORPORATION COM 30231G102 224 3696 SH OTHER 3696 FIRST FEDERAL DOVER FINANCIAL COM 30243C107 318 15150 SH DEFINED 15150 FISERV COM 337738108 485 11400 SH SOLE 11400 GANNETT CO INC COMMON COM 364730101 52 881 SH SOLE 506 375 GANNETT CO INC COMMON COM 364730101 837 13976 SH OTHER 13976 GENERAL ELECTRIC CO COMMON COM 369604103 3011 86597 SH SOLE 86597 GENERAL ELECTRIC CO COMMON COM 369604103 368 10581 SH DEFINED 10581 GENERAL ELECTRIC CO COMMON COM 369604103 205 5901 SH OTHER 5901 GOLDMAN SACHS GROUP COM 38141G104 579 3695 SH SOLE 3695 HEARTLAND BANCORP COM 421962101 3856 113102 SH DEFINED 113102 HOME DEPOT COM 437076102 534 12642 SH SOLE 10712 1930 HUNTINGTON BANCSHARES COM 446150104 942 39041 SH SOLE 1291 37750 HUNTINGTON BANCSHARES COM 446150104 48 1994 SH OTHER 1994 ITT INDUSTRIES INC COM 450911102 487 8675 SH SOLE 8675 ITT INDUSTRIES INC COM 450911102 22 400 SH OTHER 400 INTEL CORP COM 458140100 894 45986 SH SOLE 45986 INTEL CORP COM 458140100 25 1300 SH OTHER 1300 INTERNATIONAL BUSINESS MACH CO COM 459200101 128 1556 SH SOLE 1556 INTERNATIONAL BUSINESS MACH CO COM 459200101 82 1000 SH OTHER 1000 ISHARES COMEX GOLD COM 464285105 1075 18475 SH SOLE 18475 ISHARES COMEX GOLD COM 464285105 66 1150 SH OTHER 1150 I SHARES MSCI JAPAN INDEX FD COM 464286848 548 38115 SH SOLE 38115 I SHARES MSCI JAPAN INDEX FD COM 464286848 46 3200 SH OTHER 1500 1700 ISHARES DJ SELECT DIV COM 464287168 1795 28644 SH SOLE 28644 I SHARES S & P 500 INDEX COM 464287200 2041 15714 SH SOLE 15714 ISHARES MSCI EMERGING MARKET COM 464287234 1318 13314 SH SOLE 13314 ISHARES MSCI EMERGING MARKET COM 464287234 61 625 SH OTHER 350 275 I SHARES S&P 500 BARRA GROWTH COM 464287309 2959 48594 SH SOLE 48594 I SHARES S&P 500 BARRA GROWTH COM 464287309 229 3770 SH OTHER 2370 1400 ISHARES GOLDMAN SACHS NATURAL COM 464287374 503 5250 SH SOLE 5250 ISHARES GOLDMAN SACHS NATURAL COM 464287374 16 175 SH OTHER 175 I SHARES S&P 500 BARRA VALUE COM 464287408 1225 17828 SH SOLE 17828 I SHARES S&P 500 BARRA VALUE COM 464287408 148 2160 SH OTHER 2160 ISHARES MSCI EAFE INDEX FOREIG COM 464287465 11461 176541 SH SOLE 176541 ISHARES MSCI EAFE INDEX FOREIG COM 464287465 1048 16154 SH OTHER 16154 ISHARES RUSSELL MIDCAP GROWTH COM 464287481 885 8736 SH SOLE 8736 ISHARES RUSSELL MIDCAP GROWTH COM 464287481 195 1925 SH OTHER 1925 ISHARES RUSSELL MIDCAP COM 464287499 681 7198 SH SOLE 7198 ISHARES RUSSELL MIDCAP COM 464287499 175 1850 SH OTHER 1850 I SHARES S&P 400 MIDCAP COM 464287507 4013 50625 SH SOLE 50625 I SHARES S&P 400 MIDCAP COM 464287507 543 6860 SH OTHER 6860 I SHARES RUSSELL 1000 VALUE COM 464287598 3839 52513 SH SOLE 52513 I SHARES RUSSELL 1000 VALUE COM 464287598 176 2420 SH OTHER 1715 705 I SHARES S&P 400 MIDCAP GROWTH COM 464287606 803 9980 SH SOLE 9980 I SHARES S&P 400 MIDCAP GROWTH COM 464287606 10 134 SH OTHER 134 I SHARES RUSSELL 1000 GROWTH COM 464287614 3436 65152 SH SOLE 65152 I SHARES RUSSELL 1000 GROWTH COM 464287614 236 4490 SH OTHER 3515 975 I SHARES RUSSELL 1000 COM 464287622 3520 49805 SH SOLE 49805 I SHARES RUSSELL 1000 COM 464287622 855 12106 SH OTHER 12106 I SHARES RUSSELL 2000 COM 464287655 587 7729 SH SOLE 7729 I SHARES RUSSELL 2000 COM 464287655 25 340 SH OTHER 340 I SHARES S&P 400 MIDCAP VALUE COM 464287705 822 10722 SH SOLE 10722 ISHARES DJ US TECHNOLOGY COM 464287721 443 8483 SH SOLE 8483 ISHARES DJ US TECHNOLOGY COM 464287721 16 308 SH OTHER 308 ISHARES DJ US REAL ESTATE COM 464287739 1180 16068 SH SOLE 16068 ISHARES DJ US REAL ESTATE COM 464287739 53 730 SH OTHER 190 540 ISHARES DJ US ENERGY SECTOR COM 464287796 206 2240 SH SOLE 2240 ISHARES DJ US ENERGY SECTOR COM 464287796 5 56 SH OTHER 56 I SHARES S&P 600 SMALL CAP COM 464287804 1695 25985 SH SOLE 25985 I SHARES S&P 600 SMALL CAP COM 464287804 19 300 SH OTHER 300 I SHARES S&P 600 SMALL CAP VAL COM 464287879 259 3568 SH SOLE 3568 I SHARES S&P 600 SMALL CAP GRO COM 464287887 457 3535 SH SOLE 3535 ISHARES KLD INDEX COM 464288802 442 8040 SH SOLE 8040 J P MORGAN CHASE & CO COM 46625H100 152 3657 SH SOLE 3657 J P MORGAN CHASE & CO COM 46625H100 75 1813 SH OTHER 1400 413 JOHNSON & JOHNSON COM 478160104 927 15654 SH SOLE 15654 JOHNSON & JOHNSON COM 478160104 35 600 SH OTHER 600 ELI LILLY COM 532457108 192 3472 SH SOLE 3472 ELI LILLY COM 532457108 38 700 SH OTHER 700 LOWES COMPANY COM 548661107 324 5040 SH SOLE 5040 LOWES COMPANY COM 548661107 17 275 SH OTHER 275 MASSEY ENERGY CO COM 576206106 228 6330 SH SOLE 6330 MEDTRONIC INC COM 585055106 497 9795 SH SOLE 9795 MERRILL LYNCH COM 590188108 263 3345 SH SOLE 3345 MERRILL LYNCH COM 590188108 11 150 SH OTHER 150 MICROSOFT COM 594918104 938 34495 SH SOLE 34495 MICROSOFT COM 594918104 69 2540 SH OTHER 2540 NIKE CLASS B COM 654106103 582 6840 SH SOLE 5915 925 NIKE CLASS B COM 654106103 9 115 SH OTHER 115 ORACLE CORPORATION COM 68389X105 158 11577 SH SOLE 11577 ORACLE CORPORATION COM 68389X105 6 500 SH OTHER 500 PEABODY ENERGY CORP COM 704549104 282 5600 SH SOLE 5600 PEOPLES BANCORP INC. COM 709789101 9716 323879 SH SOLE 272864 694977 PEOPLES BANCORP INC. COM 709789101 SH DEFINED PEOPLES BANCORP INC. COM 709789101 24786 826198 SH OTHER 131221 51015 PEPSICO COM 713448108 760 13167 SH SOLE 13167 PEPSICO COM 713448108 41 712 SH OTHER 712 PFIZER INC COMMON COM 717081103 194 7804 SH SOLE 7804 PFIZER INC COMMON COM 717081103 23 932 SH OTHER 932 PRICE GROUP COM 74144T108 264 3385 SH SOLE 3385 PROCTER & GAMBLE COMPANY COMMO COM 742718109 1444 25066 SH SOLE 25066 PROCTER & GAMBLE COMPANY COMMO COM 742718109 65 1140 SH OTHER 1140 ROCKWELL AUTOMATION INC COM 773903109 186 2600 SH SOLE 2600 ROCKWELL AUTOMATION INC COM 773903109 35 500 SH OTHER 500 ROCKY SHOES & BOOTS INC COM 774830103 5052 191729 SH OTHER 23005 168724 RYDEX S&P 500 EQUAL-WEIGHT EFT COM 78355W106 7545 42777 SH SOLE 42777 RYDEX S&P 500 EQUAL-WEIGHT EFT COM 78355W106 996 5649 SH OTHER 5649 S & P 500 DEPOSITARY RECEIPT S COM 78462F103 3976 30625 SH SOLE 30625 S & P 500 DEPOSITARY RECEIPT S COM 78462F103 122 940 SH OTHER 940 SIMON PPTY GROUP INC NEW COM 828806109 425 5062 SH SOLE 5062 SIMON PPTY GROUP INC NEW COM 828806109 42 504 SH OTHER 504 STAPLES INC COM 855030102 314 12342 SH SOLE 12342 TARGET CORPORATION COM 87612E106 865 16632 SH SOLE 15737 895 TARGET CORPORATION COM 87612E106 24 480 SH OTHER 480 3M COMPANY COM 88579Y101 576 7611 SH SOLE 7611 3M COMPANY COM 88579Y101 15 200 SH OTHER 200 US BANCORP DEL COM 902973304 318 10455 SH SOLE 10455 UNITED BANKSHARES INC COM 909907107 1251 32700 SH SOLE 32700 UNITED TECHNOLOGIES INC COM 913017109 1282 22130 SH SOLE 20570 1560 UNITED TECHNOLOGIES INC COM 913017109 22 396 SH OTHER 396 UNITEDHEALTH GROUP INC COM 91324P102 595 10660 SH SOLE 10660 UNITEDHEALTH GROUP INC COM 91324P102 15 275 SH OTHER 275 VERIZON COMMUNICATIONS COM 92343V104 402 11807 SH SOLE 11807 VERIZON COMMUNICATIONS COM 92343V104 23 676 SH OTHER 676 WACHOVIA CORP COM 929903102 433 7727 SH SOLE 7727 WAL MART STORES INC COM 931142103 205 4359 SH SOLE 3359 1000 WALGREEN CO COMMON COM 931422109 969 22490 SH SOLE 22490 WALGREEN CO COMMON COM 931422109 68 1589 SH OTHER 1589 WELLS FARGO AND COMPANY COM 949746101 918 14379 SH SOLE 13084 1295 WESBANCO COM 950810101 281 8591 SH SOLE 8591 WESBANCO COM 950810101 97 2985 SH OTHER 1425 1560 WYETH COMM COM 983024100 3068 63240 SH SOLE 63240 WYETH COMM COM 983024100 145 3000 SH OTHER 3000 ACCENTURE LTD CLASS A COM G1150G111 501 16675 SH SOLE 14105 2570 ACCENTURE LTD CLASS A COM G1150G111 15 500 SH OTHER 500 TRANSOCEAN SEDCO FOREX INC COM G90078109 289 3605 SH SOLE 3605