UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 13F Form 13F COVER PAGE Report for the Calendar Year or Quarter Ended: 9/30/2009 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 NTL ASSOCIATION Address: P O BOX 738 MARIETTA, OH 45750 Form 13F File Number: 28-10656 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. Persons Signing this Report on Behalf of Reporting Manager: Name: DAVID T WESEL Title: EXECUTIVE VICE PRESIDENT AND PRESIDENT - PEOPLES FINANCIAL ADVISORS Phone: 740 373 2932 Signature, Place, and Date of Signing: /s/ DAVID T. WESEL MARIETTA, OH 10/13/2009 --------------------------------- --------------------------------- ---------- [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 if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).) [ ] 13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).) List of Other Managers Reporting for this Manager: Form 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 0 Form 13F Information Table Entry Total: 109 Form 13F Information Table Value Total: $ 92,715.00 -------------- (In Thousands) List of Other Included Managers: Provide a numbered list of the name(s) and 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report. NONE FORM 13F INFORMATION TABLE COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 -------------------------------- --------------------- --------- -------- ----------------- ---------- -------- -------------------- VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE -------------------------------- --------------------- --------- -------- -------- --- ---- ---------- -------- ------ ------ ------ AT&T CORP COMMON STOCK 00206R102 929 34390 SH DEFINED 1 34390 0 0 00206R102 54 1985 SH OTHER 1 1985 0 0 ABBOTT LABORATORIES COMMON STOCK 2824100 521 10525 SH DEFINED 1 10525 0 0 APPLE INC COMMON STOCK 37833100 772 4165 SH DEFINED 1 4165 0 0 AUTOMATIC DATA PROCESSING COMMON STOCK 53015103 417 10606 SH DEFINED 1 10606 0 0 BP AMOCO PLC SPONS ADR COMMON STOCK 55622104 951 17872 SH DEFINED 1 17872 0 0 55622104 21 400 SH OTHER 1 400 0 0 THE BANK OF NEW YORK MELLON CORP COMMON STOCK 64058100 546 18822 SH DEFINED 1 16577 0 0 0 0 1 0 0 2245 IPATH MUTUAL FUNDS - EQUITY 06738C778 264 6835 SH DEFINED 1 6835 0 0 BAXTER INTERNATIONAL COMMON STOCK 71813109 354 6215 SH DEFINED 1 6215 0 0 BROADCOM CORPORATION COMMON STOCK 111320107 395 12870 SH DEFINED 1 12105 0 0 0 0 1 0 0 765 CAMCO FINANCIAL CORP COMMON STOCK 132618109 72 32961 SH DEFINED 1 32961 0 0 CENTRAL FUND OF CANADA COMMON STOCK 153501101 808 61000 SH DEFINED 1 61000 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 1931 27420 SH DEFINED 1 27420 0 0 CISCO SYSTEMS COMMON STOCK 17275R102 425 18055 SH DEFINED 1 18055 0 0 COCA COLA COMMON STOCK 191216100 703 13083 SH DEFINED 1 12851 0 0 0 0 1 0 0 232 COLGATE PALMOLIVE COMMON STOCK 194162103 649 8505 SH DEFINED 1 8275 0 0 0 0 1 0 0 230 DWS MUTUAL FUNDS - TAX 23338M106 284 24385 SH DEFINED 1 24385 0 0 FREE INCOM DEERE & CO COMMON STOCK 244199105 391 9110 SH DEFINED 1 9110 0 0 DOMINION RESOURCES INC COMMON STOCK 25746U109 206 5980 SH DEFINED 1 5980 0 0 EMERSON ELECTRIC COMMON STOCK 291011104 508 12680 SH DEFINED 1 10750 0 0 0 0 1 0 0 1930 EXELON CORPORATION COMMON STOCK 30161N101 320 6450 SH DEFINED 1 6450 0 0 EXPRESS SCRIPTS INC ESI COMMON STOCK 302182100 281 3625 SH DEFINED 1 3625 0 0 EXXON MOBIL CORPORATION COMMON STOCK 30231G102 2561 37329 SH DEFINED 1 36699 0 0 0 0 1 0 0 630 30231G102 261 3800 SH OTHER 1 3800 0 0 FPL GROUP INC COMMON STOCK 302571104 264 4775 SH DEFINED 1 4535 0 240 FISERV COMMON STOCK 337738108 430 8920 SH DEFINED 1 8920 0 0 FORTUNE BRANDS INC COMMON STOCK 349631101 373 8671 SH DEFINED 1 8671 0 0 FRANKLIN RESOURCES COMMON STOCK 354613101 210 2090 SH DEFINED 1 2090 0 0 GENERAL ELECTRIC CO COMMON STOCK 369604103 711 43299 SH DEFINED 1 41694 0 0 0 0 1 0 0 1605 369604103 65 3982 SH OTHER 1 101 0 0 0 0 1 0 0 3881 GENERAL MILLS COMMON STOCK 370334104 296 4604 SH DEFINED 1 4265 0 0 0 0 1 0 0 339 GENZYME COMMON STOCK 372917104 310 5460 SH DEFINED 1 5235 0 0 0 0 1 0 0 225 GILEAD SCIENCES INC COMMON STOCK 375558103 280 6025 SH DEFINED 1 6025 0 0 HEWLETT PACKARD COMMON STOCK 428236103 561 11875 SH DEFINED 1 8915 0 0 0 0 1 0 0 2960 HUNTINGTON BANCSHARES COMMON STOCK 446150104 176 37353 SH DEFINED 1 16978 0 0 0 0 1 0 0 20375 IBM COMMON STOCK 459200101 1009 8433 SH DEFINED 1 7733 0 0 0 0 1 0 0 700 ISHARES COMEX GOLD MUTUAL FUNDS - EQUITY 464285105 331 3347 SH DEFINED 1 3347 0 0 464285105 6 65 SH OTHER 1 65 0 0 ISHARES MUTUAL FUNDS - EQUITY 464286665 1842 45459 SH DEFINED 1 43994 0 0 0 0 1 0 0 1465 ISHARES MUTUAL FUNDS - EQUITY 464287101 635 13010 SH DEFINED 1 13010 0 0 ISHARES MUTUAL FUNDS - EQUITY 464287143 379 5975 SH DEFINED 1 5975 0 0 ISHARES MUTUAL FUNDS - 464287176 399 3880 SH DEFINED 1 3880 0 0 TAXABLE INCOME ISHARES MUTUAL FUNDS - EQUITY 464287200 976 9210 SH DEFINED 1 9210 0 0 FORM 13F INFORMATION TABLE COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 -------------------------------- --------------------- --------- -------- ----------------- ---------- -------- -------------------- VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE -------------------------------- --------------------- --------- -------- -------- --- ---- ---------- -------- ------ ------ ------ ISHARES MUTUAL FUNDS - EQUITY 464287234 3333 85652 SH DEFINED 1 81637 0 0 0 0 1 0 0 4015 ISHARES MUTUAL FUNDS - EQUITY 464287309 1779 32944 SH DEFINED 1 30874 0 0 0 0 1 0 0 2070 ISHARES MUTUAL FUNDS - EQUITY 464287408 613 11980 SH DEFINED 1 11980 0 0 ISHARES MUTUAL FUNDS - EQUITY 464287465 854 15615 SH DEFINED 1 14400 0 0 0 0 1 0 0 1215 464287465 10 175 SH OTHER 1 175 0 0 ISHARES MUTUAL FUNDS - EQUITY 464287507 3747 54341 SH DEFINED 1 50766 0 3575 ISHARES MUTUAL FUNDS - EQUITY 464287598 1634 29438 SH DEFINED 1 29438 0 0 ISHARES MUTUAL FUNDS - EQUITY 464287606 3879 52599 SH DEFINED 1 49961 0 0 0 0 1 0 0 2638 ISHARES MUTUAL FUNDS - EQUITY 464287614 2312 49931 SH DEFINED 1 48536 0 0 0 0 1 0 0 1395 ISHARES MUTUAL FUNDS - EQUITY 464287622 4156 71528 SH DEFINED 1 70678 0 0 0 0 1 0 0 850 ISHARES MUTUAL FUNDS - EQUITY 464287705 1052 16702 SH DEFINED 1 16702 0 0 ISHARES MUTUAL FUNDS - EQUITY 464287804 1549 29588 SH DEFINED 1 29368 0 0 0 0 1 0 0 220 ISHARES MUTUAL FUNDS - EQUITY 464287861 299 7760 SH DEFINED 1 6635 0 0 0 0 1 0 0 1125 ISHARES MUTUAL FUNDS - EQUITY 464287887 1058 19570 SH DEFINED 1 19315 0 0 0 0 1 0 0 255 ISHARES MUTUAL FUNDS - EQUITY 464288372 573 17090 SH DEFINED 1 17090 0 0 ISHARES MUTUAL FUNDS - 464288620 230 2245 SH DEFINED 1 2245 0 0 TAXABLE INCOME ISHARES MUTUAL FUNDS - EQUITY 464288802 1235 26861 SH DEFINED 1 7331 0 0 0 0 1 0 0 19530 JOHNSON & JOHNSON COMMON STOCK 478160104 950 15605 SH DEFINED 1 14540 0 0 0 0 1 0 0 1065 KROGER CO COMMON STOCK 501044101 217 10535 SH DEFINED 1 10535 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 321 4116 SH DEFINED 1 4116 0 0 LOWES COMPANY COMMON STOCK 548661107 241 11510 SH DEFINED 1 11510 0 0 MARATHON OIL CORP COMMON STOCK 565849106 380 11915 SH DEFINED 1 10865 0 0 0 0 1 0 0 1050 565849106 38 1200 SH OTHER 1 1200 0 0 MCDONALDS COMMON STOCK 580135101 483 8458 SH DEFINED 1 8458 0 0 METLIFE COMMON STOCK 59156R108 356 9357 SH DEFINED 1 9357 0 0 MONSANTO CO COMMON STOCK 61166W101 305 3946 SH DEFINED 1 3946 0 0 MORGAN STANLEY COMMON STOCK 617446448 253 8199 SH DEFINED 1 8199 0 0 NYSE EURONEXT COMMON STOCK 629491101 299 10363 SH DEFINED 1 9253 0 0 0 0 1 0 0 1110 NORTHROP GRUMMAN CORP. COMMON STOCK 666807102 441 8513 SH DEFINED 1 7263 0 0 0 0 1 0 0 1250 NUVEEN MUNI VALUE FD INC MUTUAL FUNDS - TAX 670928100 283 28442 SH DEFINED 1 28442 0 0 FREE INCOM OCCIDENTAL PETROLEUM CORP COMMON STOCK 674599105 73 935 SH DEFINED 1 935 0 0 674599105 149 1900 SH OTHER 1 1900 0 0 ORACLE CORPORATION COMMON STOCK 68389X105 767 36807 SH DEFINED 1 36807 0 0 PANHANDLE ROYALTY CO. COMMON STOCK 698477106 214 10000 SH DEFINED 1 10000 0 0 CLASS A 0 0 0 0 0 PEABODY ENERGY CORP COMMON STOCK 704549104 212 5700 SH DEFINED 1 5700 0 0 PEOPLES BANCORP INC. COMMON STOCK 709789101 1166 89382 SH DEFINED 1 78843 0 0 0 0 1 0 10539 0 709789101 11037 845725 SH OTHER 1 142900 702825 0 PEPSICO INC COMMON STOCK 713448108 227 3874 SH DEFINED 1 3874 0 0 POWERSHARES QQQ MUTUAL FUNDS - 73935A104 1144 27085 SH DEFINED 1 26420 0 0 TR UNIT SER 1 EQUITY 0 0 1 0 0 665 POWERSHARES MUTUAL FUNDS - EQUITY 73935X500 165 15150 SH DEFINED 1 5965 0 0 0 0 1 0 0 9185 FORM 13F INFORMATION TABLE COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8 -------------------------------- --------------------- --------- -------- ----------------- ---------- -------- -------------------- VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE -------------------------------- --------------------- --------- -------- -------- --- ---- ---------- -------- ------ ------ ------ PRAXAIR INC. COMMON STOCK 74005P104 248 3033 SH DEFINED 1 2625 0 0 0 0 1 0 0 408 PROCTER & GAMBLE CO COMMON STOCK 742718109 518 8942 SH DEFINED 1 8942 0 0 742718109 17 300 SH OTHER 1 300 0 0 PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 487 9754 SH DEFINED 1 9754 0 0 PUTNAM MUTUAL FUNDS - TAX 746823103 141 20686 SH DEFINED 1 20686 0 0 FREE INCOME ROCKY BRANDS INC COMMON STOCK 774515100 1047 169724 SH DEFINED 1 0 0 169724 RYDEX MUTUAL FUNDS - EQUITY 78355W106 4501 120674 SH DEFINED 1 120674 0 0 RYDEX MUTUAL FUNDS - EQUITY 78355W403 3897 124340 SH DEFINED 1 120775 0 0 0 0 1 0 0 3565 S & P 500 DEPOSITARY RECEIPT MUTUAL FUNDS - EQUITY 78462F103 4467 42307 SH DEFINED 1 42307 0 0 SPECTRA ENERGY CORP COMMON STOCK 847560109 248 13116 SH DEFINED 1 13116 0 0 847560109 2 82 SH OTHER 1 82 0 0 STAPLES INC COMMON STOCK 855030102 520 22397 SH DEFINED 1 22397 0 0 3M COMPANY COMMON STOCK 88579Y101 223 3020 SH DEFINED 1 2890 0 0 0 0 1 0 0 130 TIME WARNER CABLE INC COMMON STOCK 88732J207 254 5883 SH DEFINED 1 5883 0 0 US BANCORP DEL COMMON STOCK 902973304 391 17900 SH DEFINED 1 17900 0 0 UNITED BANKSHARES INC COMMON STOCK 909907107 665 33948 SH DEFINED 1 33948 0 0 UNITED TECH CORP COMMON STOCK 913017109 873 14325 SH DEFINED 1 12660 0 0 0 0 1 0 0 1665 VAN KAMPEN TRUST FOR INVESTMENT MUTUAL FUNDS - TAX 920929106 178 12694 SH DEFINED 1 12694 0 0 FREE INCOME VERIZON COMMUNICATIONS COMMON STOCK 92343V104 260 8603 SH DEFINED 1 8603 0 0 92343V104 12 388 SH OTHER 1 388 0 0 WAL MART STORES INC COMMON STOCK 931142103 427 8705 SH DEFINED 1 8705 0 0 WISDOMTREE MUTUAL FUNDS - EQUITY 97717W331 330 11575 SH DEFINED 1 11010 0 0 0 0 1 0 0 565 WYETH COMM COMMON STOCK 983024100 305 6280 SH DEFINED 1 6280 0 0 NOBLE CORPORATION COMMON STOCK H5833N103 329 8665 SH DEFINED 1 8665 0 0 TRANSOCEAN LTD COMMON STOCK H8817H100 464 5421 SH DEFINED 1 4316 0 0 0 0 1 0 0 1105