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