FORM 10-Q
SECURITIES EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
(Mark One)

(X) Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange
Act of 1934

For the quarterly period ended March 31, 2000.

OR

( ) Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange
Act of 1934 

For the transition period from _________ to__________              Commission File Number: 333-32210
                                                                                           ---------

SOMERSET TRUST HOLDING COMPANY
(Exact name of registrant as specified in its charter) 

          Pennsylvania                                  25-1856469
-------------------------------            ------------------------------------
(State or other jurisdiction of            (I.R.S. Employer Identification No.)
 incorporation or organization)

                              151 West Main Street
                                  P. O. Box 777

Somerset, Pennsylvania 15501-0777
(Address of principal executive offices)(Zip Code)

(814) 443-3661
(Registrant's telephone number, including area code)

N/A
(Former Name, former address and former fiscal year,
if changed since last report)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.

Yes __________ No X

APPLICABLE ONLY TO ISSUERS INVOLVED IN BANKRUPTCY
PROCEEDINGS DURING THE PRECEDING FIVE YEARS:

Indicate by check mark whether registrant has filed all documents and reports required to be filed by Section 12, 13 or 15(d) of the Securities Exchange Act of 1934 subsequent to the distribution of securities under a plan confirmed by a court.

Yes __________ No

APPLICABLE ONLY TO CORPORATE ISSUERS:

Indicate the number of shares outstanding of each of the issuer's classes of Common Stock, as of the latest practicable date. 

Common Stock, without par value                               3
-------------------------------             -----------------------------------
             Class                          Outstanding Shares at June 30, 2000

PART I. FINANCIAL INFORMATION

Somerset Trust Holding Company (the "Registrant") was incorporated to serve as the stock holding company for Somerset Trust Company (the "Bank") in connection with the Bank's reorganization into a one-bank holding company structure. As of the date hereof, the Bank has not completed its reorganization, and, accordingly, the Registrant has no significant assets or liabilities, has not engaged in any operations or transactions except pursuant to the reorganization, and currently has $3.00 of initial capitalization.

Item 1. Financial Statements

N/A

Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations

N/A

Item 3. Quantitative and Qualitative Disclosures about Market Risk

N/A

PART II. OTHER INFORMATION

Item 1. Legal Proceedings
None

Item 2. Changes in Securities and Use of Proceeds
None

Item 3. Defaults Upon Senior Securities
None

Item 4. Submission of Matters to a Vote of Security Holders
None

Item 5. Other information
None

Item 6. Exhibits and Reports on Form 8-K 

a.       Exhibits

         Exhibit 2.1      Plan of Reorganization by and among
                          Registrant, Somerset Interim Bank and
                          Somerset Trust Company, incorporated by
                          reference to Annex A of the Proxy
                          Statement/ Prospectus included in
                          Registrant's Amendment No. 1 to its
                          Registration Statement No. 333-32210 on
                          Form S-4,

                          filed with the Commission on March 29,
                          2000.

         Exhibit 2.2      Plan of Merger by and between Somerset
                          Interim Bank and Somerset Trust Company,
                          incorporated by reference to Annex A of
                          the Proxy Statement/ Prospectus included
                          in Registrant's Amendment No. 1 to its
                          Registration Statement No. 333-32210 on
                          Form S-4, filed with the Commission on
                          March 29, 2000.

         Exhibit 3(i)     Articles of Incorporation of Registrant,
                          incorporated by reference to Annex B of
                          the Proxy Statement/ Prospectus included
                          in Registrant's Amendment No. 1 to its
                          Registration Statement No. 333-32210 on
                          Form S-4, filed with the Commission on
                          March 29, 2000.

         Exhibit 3(ii)    Bylaws of Registrant, incorporated by
                          reference to Annex C of the Proxy
                          Statement/ Prospectus included in
                          Registrant's Amendment No. 1 to its
                          Registration Statement No. 333-22210 on
                          Form S-4, filed with the Commission on
                          March 29, 2000.

         Exhibit 27       Financial Data Schedule

b. No reports on Form 8-K were filed for the quarter ending March 31, 2000.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

SOMERSET TRUST HOLDING COMPANY
(Registrant) 

Date: July 17, 2000                 /s/ G. Henry Cook
                                    ---------------------------------------
                                    G. Henry Cook, President
                                    (Principal Executive Officer)


Date: July 17, 2000                 /s/ Richard W. Stern
                                    ---------------------------------------
                                    Richard W. Stern, Treasurer
                                    (Principal Financial and Accounting Officer)

EXHIBIT INDEX 

Exhibit Number

Exhibit 2.1       Plan of Reorganization by and among Registrant, Somerset
                  Interim Bank and Somerset Trust Company, incorporated by
                  reference to Annex A of the Proxy Statement/ Prospectus
                  included in Registrant's Amendment No. 1 to its Registration
                  Statement No. 333-32210 on Form S-4, filed with the Commission
                  on March 29, 2000.

Exhibit 2.2       Plan of Merger by and between Somerset Interim Bank and
                  Somerset Trust Company, incorporated by reference to Annex A
                  of the Proxy Statement/ Prospectus included in Registrant's
                  Amendment No. 1 to its Registration Statement No. 333-32210 on
                  Form S-4, filed with the Commission on March 29, 2000.

Exhibit 3(i)      Articles of Incorporation of Registrant, incorporated by
                  reference to Annex B of the Proxy Statement/Prospectus
                  included in Registrant's Amendment No. 1 to its Registration
                  Statement No. 333-32210 on Form S-4, filed with the Commission
                  on March 29, 2000.

Exhibit 3(ii)     Bylaws of Registrant, incorporated by reference to Annex C of
                  the Proxy Statement/ Prospectus included in Registrant's
                  Amendment No. 1 to its Registration Statement No. 333-32210 on
                  Form S-4, filed with the Commission on March 29, 2000.

Exhibit 27        Financial Data Schedule

SHUMAKER WILLIAMS, P.C.
P.O. Box 88
Harrisburg, PA 17108
Phone: (717) 763-1121
Fax: (717) 763-7419

July 17, 2000

SECURITIES AND EXCHANGE COMMISSION
ATTN: Filing Desk
450 Fifth Street, N.W.
Washington, D.C. 20549 via EDGAR

RE: SOMERSET TRUST HOLDING COMPANY
Commission File No. 333-32210

Our File No. 99-933

Dear Sir or Madam:

On behalf of Somerset Trust Holding Company and pursuant to the Securities Exchange Act of 1934, as amended, and the General Rules and Regulations of the Securities and Exchange Commission, we hereby file, via EDGAR, the Registrant's Quarterly Report on Form 10-Q, dated July 17, 2000, for the quarter ended March 31, 2000. Please note that the Commission File No. 333-32210 was assigned to Somerset Trust Holding Company in relation to its filing a Registration Statement on Form S-4 on March 10, 2000, as amended on March 29, 2000, in connection with the reorganization of Somerset Trust Company, a Pennsylvania-chartered bank and trust company, into a holding company structure. Somerset Trust Holding Company is the proposed holding company for Somerset Trust Company.

If you have any questions or comments concerning this filing, please contact the undersigned.

Sincerely, 

By:  /s/ Cheryl A. Zeman
     -------------------
     Cheryl A. Zeman

Enclosure

cc: G. Henry Cook, President
Somerset Trust Holding Company

ARTICLE 9


PERIOD TYPE 3 MOS
FISCAL YEAR END DEC 31 2000
PERIOD END MAR 31 2000
CASH 3
INT BEARING DEPOSITS 0
FED FUNDS SOLD 0
TRADING ASSETS 0
INVESTMENTS HELD FOR SALE 0
INVESTMENTS CARRYING 0
INVESTMENTS MARKET 0
LOANS 0
ALLOWANCE 0
TOTAL ASSETS 0
DEPOSITS 0
SHORT TERM 0
LIABILITIES OTHER 0
LONG TERM 0
PREFERRED MANDATORY 0
PREFERRED 0
COMMON 3
OTHER SE 0
TOTAL LIABILITIES AND EQUITY 0
INTEREST LOAN 0
INTEREST INVEST 0
INTEREST OTHER 0
INTEREST TOTAL 0
INTEREST DEPOSIT 0
INTEREST EXPENSE 0
INTEREST INCOME NET 0
LOAN LOSSES 0
SECURITIES GAINS 0
EXPENSE OTHER 0
INCOME PRETAX 0
INCOME PRE EXTRAORDINARY 0
EXTRAORDINARY 0
CHANGES 0
NET INCOME 0
EPS BASIC 0
EPS DILUTED 0
YIELD ACTUAL 0
LOANS NON 0
LOANS PAST 0
LOANS TROUBLED 0
LOANS PROBLEM 0
ALLOWANCE OPEN 0
CHARGE OFFS 0
RECOVERIES 0
ALLOWANCE CLOSE 0
ALLOWANCE DOMESTIC 0
ALLOWANCE FOREIGN 0
ALLOWANCE UNALLOCATED 0