<PAGE>

                                 UNITED STATES
                      SECURITIES AND EXCHANGE COMMISSION
                            WASHINGTON, D.C. 20549

                             _____________________

                                   FORM 10-Q
                             _____________________

(Mark one)
   [X]         QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
                    OF THE SECURITIES EXCHANGE ACT OF 1934
               For the quarterly period ended September 30, 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 1-7150


                          VERIZON WEST VIRGINIA INC.
              (Former Name: Bell Atlantic - West Virginia, Inc.)


A West Virginia Corporation        I.R.S. Employer Identification No. 55-0142020


         1500 MacCorkle Avenue, S.E., Charleston, West Virginia 25314


                        Telephone Number (304) 343-9911

                           _________________________


THE REGISTRANT, A WHOLLY OWNED SUBSIDIARY OF VERIZON COMMUNICATIONS INC., MEETS
THE CONDITIONS SET FORTH IN GENERAL INSTRUCTION H(1)(a) AND (b) OF FORM 10-Q AND
IS THEREFORE FILING THIS FORM WITH REDUCED DISCLOSURE FORMAT PURSUANT TO GENERAL
INSTRUCTION H(2).

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   X   No
                                       -----    -----
<PAGE>

                          Verizon West Virginia Inc.

                        PART I - FINANCIAL INFORMATION

Item 1.  Financial Statements


                        CONDENSED STATEMENTS OF INCOME


<TABLE>
<CAPTION>

                                                          Three Months Ended September 30,      Nine Months Ended September 30,
                                                    -----------------------------------------------------------------------------
(Dollars in Thousands) (Unaudited)                             2000              1999               2000              1999
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                       <C>               <C>                <C>               <C>
OPERATING REVENUES
   (including $12,454, $12,071, $36,178, and
     $36,964 from affiliates)                             $ 169,431         $ 161,398          $ 493,541         $ 472,574
                                                    -----------------------------------------------------------------------------

OPERATING EXPENSES
Operations and support (including $29,842,
   $25,582, $89,958 and $81,755 to affiliates)               73,963            71,791            229,247           220,749
Depreciation and amortization                                33,186            32,430             97,798            95,585
                                                    -----------------------------------------------------------------------------
                                                            107,149           104,221            327,045           316,334
                                                    -----------------------------------------------------------------------------

OPERATING INCOME                                             62,282            57,177            166,496           156,240

OTHER INCOME, NET
   (including $48, $11, $262 and $54 from
     affiliate)                                                 184                47              2,628               289

INTEREST EXPENSE
   (including $1,686, $515, $3,954 and $1,152 to
     affiliate)                                               4,897             4,179             13,539            12,443
                                                    -----------------------------------------------------------------------------

INCOME BEFORE PROVISION FOR INCOME TAXES                     57,569            53,045            155,585           144,086

PROVISION FOR INCOME TAXES                                   23,425            21,581             62,774            54,427
                                                    -----------------------------------------------------------------------------

NET INCOME                                                $  34,144         $  31,464          $  92,811         $  89,659
                                                    =============================================================================
</TABLE>

                 See Notes to Condensed Financial Statements.

                                       1
<PAGE>

                          Verizon West Virginia Inc.

                           CONDENSED BALANCE SHEETS

                                    ASSETS
                                    ------

<TABLE>
<CAPTION>
(Dollars in Thousands)                              September 30, 2000      December 31, 1999
---------------------------------------------------------------------------------------------
                                                        (Unaudited)
<S>                                                 <C>                     <C>
CURRENT ASSETS
Short-term investments                                      $      ---             $    9,400
Accounts receivable:
   Trade and other, net of allowances for
         uncollectibles of $10,531 and $7,546                  129,122                107,183
   Affiliates                                                    9,392                 12,237
Material and supplies                                            1,943                  1,876
Prepaid expenses                                                 3,613                  7,971
Deferred income taxes                                            2,823                    992
Other                                                            2,265                    ---
                                                       ----------------------------------------
                                                               149,158                139,659
                                                       ----------------------------------------

PLANT, PROPERTY AND EQUIPMENT                                2,066,555              1,967,101
Less accumulated depreciation                                1,295,881              1,220,294
                                                       ----------------------------------------
                                                               770,674                746,807
                                                       ----------------------------------------

OTHER ASSETS                                                    45,081                 12,464
                                                       ----------------------------------------

TOTAL ASSETS                                                $  964,913             $  898,930
                                                       ========================================
</TABLE>

                 See Notes to Condensed Financial Statements.

                                       2
<PAGE>

                          Verizon West Virginia Inc.

                           CONDENSED BALANCE SHEETS

                    LIABILITIES AND SHAREOWNER'S INVESTMENT
                    ---------------------------------------

<TABLE>
<CAPTION>


(Dollars in Thousands)                                                              September 30, 2000       December 31, 1999
------------------------------------------------------------------------------------------------------------------------------
                                                                                        (Unaudited)
<S>                                                                                 <C>                      <C>
CURRENT LIABILITIES
Debt maturing within one year:
   Note payable to affiliate                                                                  $118,279               $ 61,798
   Other                                                                                           237                 25,177
Accounts payable and accrued liabilities:
   Affiliates                                                                                   31,234                 44,108
   Other                                                                                       100,001                 77,069
Other liabilities                                                                               16,894                 16,170
                                                                                 ----------------------------------------------
                                                                                               266,645                224,322
                                                                                 ----------------------------------------------

LONG-TERM DEBT                                                                                 199,325                199,418
                                                                                 ----------------------------------------------

EMPLOYEE BENEFIT OBLIGATIONS                                                                    93,004                 98,326
                                                                                 ----------------------------------------------
DEFERRED CREDITS AND OTHER LIABILITIES
Deferred income taxes                                                                           53,960                 40,373
Unamortized investment tax credits                                                               3,955                  4,552
Other                                                                                           25,564                 23,590
                                                                                 ----------------------------------------------
                                                                                                83,479                 68,515
                                                                                 ----------------------------------------------
SHAREOWNER'S INVESTMENT
Common stock - one share, owned by parent, at stated value                                     264,065                264,065
Capital surplus                                                                                  7,419                  7,419
Reinvested earnings                                                                             51,029                 36,918
Accumulated other comprehensive loss                                                               (53)                   (53)
                                                                                 ----------------------------------------------
                                                                                               322,460                308,349
                                                                                 ----------------------------------------------
TOTAL LIABILITIES AND SHAREOWNER'S INVESTMENT                                                 $964,913               $898,930
                                                                                 ==============================================
</TABLE>

                 See Notes to Condensed Financial Statements.

                                       3
<PAGE>

                          Verizon West Virginia Inc.

                       CONDENSED STATEMENTS OF CASH FLOWS

<TABLE>
<CAPTION>
                                                                                           Nine Months Ended September 30,
                                                                                   ---------------------------------------------
(Dollars in Thousands) (Unaudited)                                                                2000                  1999
--------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                           <C>                    <C>
NET CASH PROVIDED BY OPERATING ACTIVITIES                                                     $ 174,704              $ 149,966
                                                                                   ---------------------------------------------
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in short-term investments                                                              9,400                  8,478
Capital expenditures                                                                           (120,454)              (115,191)
Other, net                                                                                      (13,180)                  (553)
                                                                                   ---------------------------------------------
Net cash used in investing activities                                                          (124,234)              (107,266)
                                                                                   ---------------------------------------------
CASH FLOWS FROM FINANCING ACTIVITIES
Principal repayments of borrowings and capital lease obligations                                (25,132)                  (123)
Net change in note payable to affiliate                                                          56,481                 31,424
Dividends paid                                                                                  (78,700)               (70,000)
Net change in outstanding checks drawn
    on controlled disbursement accounts                                                          (3,119)                (4,001)
                                                                                   ---------------------------------------------
Net cash used in financing activities                                                           (50,470)               (42,700)
                                                                                   ---------------------------------------------
NET CHANGE IN CASH                                                                                  ---                    ---

CASH, BEGINNING OF PERIOD                                                                           ---                    ---
                                                                                   ---------------------------------------------

CASH, END OF PERIOD                                                                           $     ---              $     ---
                                                                                   =============================================
</TABLE>

                  See Notes to Condensed Financial Statements.

                                       4
<PAGE>

                          Verizon West Virginia Inc.

                     NOTES TO CONDENSED FINANCIAL STATEMENTS
                                   (Unaudited)

1.    Basis of Presentation

      Verizon West Virginia Inc., formerly Bell Atlantic - West Virginia, Inc.,
is a wholly owned subsidiary of Verizon Communications Inc. (Verizon
Communications). The accompanying unaudited condensed financial statements have
been prepared based upon Securities and Exchange Commission (SEC) rules that
permit reduced disclosure for interim periods. These financial statements
include certain reclassifications in presentation as a result of the merger of
Bell Atlantic Corporation (Bell Atlantic) and GTE Corporation (GTE) (see Note
2). These financial statements reflect all adjustments that are necessary for a
fair presentation of results of operations and financial position for the
interim periods shown including normal recurring accruals and other items (see
Note 2). The results for the interim periods are not necessarily indicative of
results for the full year. For a more complete discussion of significant
accounting policies and certain other information, you should refer to the
financial statements included in our 1999 Annual Report on Form 10-K.

2.    Bell Atlantic - GTE Merger

      On June 30, 2000, Bell Atlantic and GTE completed a merger of equals
under a definitive merger agreement dated as of July 27, 1998. Under the terms
of the agreement, GTE became a wholly owned subsidiary of Bell Atlantic. In
September 2000, Bell Atlantic changed its name to Verizon Communications Inc.
The merger qualified as a tax-free reorganization and has been accounted for as
a pooling of interests. Under this method of accounting, Bell Atlantic and GTE
are treated as if they had always been combined for accounting and financial
reporting purposes.

Merger-Related and Severance Costs

      Results of operations for the nine months ended September 30, 2000
included merger-related pre-tax costs totaling approximately $6,646,000,
consisting of $3,371,000 for direct incremental costs, $3,275,000 for employee
severance costs. These costs include approximately $5,663,000 representing our
allocated share of merger-related costs from Verizon Services Corp. (Verizon
Services), an affiliate that provides centralized services on a contract basis.
Costs allocated from Verizon Services are included in Operations and Support
Expenses.

      Direct incremental costs consist of our proportionate share of expenses
associated with completing the merger transaction such as professional and
regulatory fees, compensation arrangements and shareowner-related costs.
Employee severance costs, as recorded under Statement of Financial Accounting
Standards (SFAS) No. 112, "Employers' Accounting for Postemployment Benefits,"
represent our proportionate share of benefit costs for the separation of
management employees who are entitled to benefits under pre-existing Verizon
Communications separation pay plans. The separations are expected to occur as a
result of consolidations and process enhancements. Accrued postemployment
benefit liabilities for those employees are included in our balance sheet as a
component of Accounts Payable and Accrued Liabilities - Other.

Transition Costs

      In addition to the direct merger-related and severance costs, over the
next several years, we expect to incur transition costs related to the merger.
These costs will be incurred to integrate systems, consolidate real estate and
relocate employees. These costs will include our allocated share of
merger-related costs from Verizon Services. They also include advertising and
other costs to establish the Verizon brand. Transition costs are expensed as
incurred. During the nine month period ended September 30, 2000, we incurred
$600,000 of transition costs. These costs include approximately $596,000,
representing our allocated share of transition costs from Verizon Services.

Other Related Actions

      During the second quarter of 2000, we also recorded a $53,000 charge for
other actions in relation to the merger or other strategic decisions. This
charge included the write-off of duplicate assets.

3.    Dividend

      On November 1, 2000, we declared and paid a dividend in the amount of
$22,500,000 to Verizon Communications.

                                       5
<PAGE>

                          Verizon West Virginia Inc.

4.    Recent Accounting Pronouncements

FASB Accounting Standard - Derivatives and Hedging Activities

      In June 1998, the Financial Accounting Standards Board (FASB) issued SFAS
No. 133, "Accounting for Derivative Instruments and Hedging Activities." This
statement requires that all derivatives be measured at fair value and recognized
as either assets or liabilities on our balance sheet. Changes in the fair values
of derivative instruments will be recognized in either earnings or other
comprehensive income, depending on the designated use and effectiveness of the
instruments.

      In June 2000, the FASB issued SFAS No. 138, "Accounting for Certain
Derivative Instruments and Certain Hedging Activities," which amended SFAS No.
133. The amendments in SFAS No. 138 address certain implementation issues and
relate to such matters as the normal purchases and normal sales exception, the
definition of interest rate risk, hedging recognized foreign-currency-
denominated assets and liabilities, and intercompany derivatives.

      We are currently evaluating the provisions of SFAS No. 133 and SFAS No.
138, which we will adopt on January 1, 2001. The impact of adoption will be
affected by several factors, including the specific hedging instruments in place
and their relationships to hedged items, as well as market conditions at the
date of adoption.

SEC Staff Accounting Bulletin - Revenue Recognition

      In December 1999, the SEC issued Staff Accounting Bulletin (SAB) No. 101,
"Revenue Recognition in Financial Statements," which provides additional
guidance on revenue recognition and, in certain circumstances, requires the
deferral of incremental costs. We will adopt SAB No. 101 in the fourth quarter
of 2000, retroactive to January 1, 2000. We are currently assessing the impact
of adopting SAB No. 101.

5.    Shareowner's Investment

<TABLE>
<CAPTION>
                                         Common    Capital   Reinvested   Accumulated Other
(Dollars in Thousands) (Unaudited)        Stock    Surplus    Earnings   Comprehensive Loss
-------------------------------------------------------------------------------------------
<S>                                    <C>         <C>        <C>        <C>
Balance at December 31, 1999           $264,065    $7,419     $36,918                 $(53)
Net income                                                     92,811
Dividends paid to parent                                      (78,700)
                                    --------------------------------------------------------
Balance at September 30, 2000          $264,065    $7,419     $51,029                 $(53)
                                    ========================================================
</TABLE>

      Net income and comprehensive income were the same for the nine months
ended September 30, 2000 and 1999.

6.    Commitments and Contingencies

      Various legal actions and regulatory proceedings are pending to which we
are a party. We have established reserves for specific liabilities in connection
with regulatory and legal matters that we currently deem to be probable and
estimable. We do not expect that the ultimate resolution of pending regulatory
and legal matters in future periods will have a material effect on our financial
condition, but it could have a material effect on our results of operations.

      Federal and state regulatory conditions to the Bell Atlantic - GTE merger
include certain commitments to, among other things, promote competition and the
widespread deployment of advanced services, while helping ensure that consumers
continue to receive high-quality, low cost telephone services. In some cases,
there are significant penalties associated with not meeting these commitments.
The cost of satisfying these commitments could have a significant impact on net
income in future periods. As previously disclosed, the cost of satisfying these
commitments is likely to impact the net income of Verizon Communications on a
consolidated basis in 2000 by approximately $275 to $325 million, based on
preliminary estimates. The estimated impact on each operating telephone
subsidiary, including the Company, is currently being assessed.

                                       6
<PAGE>

                          Verizon West Virginia Inc.

Item 2. Management's Discussion and Analysis of Results of Operations
        (Abbreviated pursuant to General Instruction H(2).)

      This discussion should be read in conjunction with the Financial
Statements and Notes to Financial Statements.


RESULTS OF OPERATIONS

      We reported net income of $92,811,000 for the nine month period ended
September 30, 2000, compared to net income of $89,659,000 for the same period in
1999.

      Our results for 2000 and 1999 were affected by special items. The special
items in both periods include our allocated share of charges from Verizon
Services Corp. (Verizon Services), an affiliate that provides centralized
services on a contract basis.

      The following table shows how special items are reflected in our condensed
statements of income for each period:

                                                        (Dollars in Thousands)
Nine Months Ended September 30,                          2000            1999
--------------------------------------------------------------------------------
Operating Revenues
   Regulatory contingency                             $    12         $   ---
                                                     ---------------------------

Operations and Support Expenses
  Bell Atlantic-GTE merger direct incremental costs     3,371             ---
  Bell Atlantic-GTE merger severance costs              3,275             ---
  Bell Atlantic-GTE merger transition costs               600             ---
  Bell Atlantic-GTE merger other related actions           53             ---
  Bell Atlantic-NYNEX merger transition costs             ---           2,265
  Other charges and special items                       4,939             ---
                                                     ---------------------------
                                                       12,238           2,265
                                                     ---------------------------

Interest Expense
   Regulatory contingency                                   4             ---
                                                     ---------------------------
Net impact on pre-tax income                          $12,254         $ 2,265
                                                     ===========================

      What follows is a further explanation of the nature of these special
items.

Bell Atlantic - GTE Merger

      On June 30, 2000, Bell Atlantic and GTE completed a merger of equals
under a definitive merger agreement dated as of July 27, 1998. Under the terms
of the agreement, GTE became a wholly owned subsidiary of Bell Atlantic. In
September 2000, Bell Atlantic changed its name to Verizon Communications Inc.
(Verizon Communications). The merger qualified as a tax-free reorganization and
has been accounted for as a pooling of interests. Under this method of
accounting, Bell Atlantic and GTE are treated as if they had always been
combined for accounting and financial reporting purposes.

Merger-Related and Severance Costs

      Results of operations for the nine months ended September 30, 2000
included merger-related pre-tax costs totaling approximately $6,646,000,
consisting of $3,371,000 for direct incremental costs, $3,275,000 for employee
severance costs. These costs include approximately $5,663,000 representing our
allocated share of merger-related costs from Verizon Services. Costs allocated
from Verizon Services are included in Operations and Support Expenses.

      Direct incremental costs consist of our proportionate share of expenses
associated with completing the merger transaction such as professional and
regulatory fees, compensation arrangements and shareowner-related costs.
Employee severance costs, as recorded under Statement of Financial Accounting
Standards (SFAS) No. 112, "Employers' Accounting for Postemployment Benefits,"
represent our proportionate share of benefit costs for the separation of
management employees who are entitled to benefits under pre-existing Verizon
Communications separation pay plans. The separations are expected to occur as a
result of consolidations and process enhancements. Accrued postemployment
benefit liabilities for those employees are included in our balance sheet as a
component of Accounts Payable and Accrued Liabilities - Other.

                                       7
<PAGE>

                          Verizon West Virginia Inc.

Transition Costs

      In addition to the direct merger-related and severance costs, over the
next several years, we expect to incur transition costs related to the merger.
These costs will be incurred to integrate systems, consolidate real estate and
relocate employees. These costs will include our allocated share of
merger-related costs from Verizon Services. They also include advertising and
other costs to establish the Verizon brand. Transition costs are expensed as
incurred. During the nine month period ended September 30, 2000, we incurred
$600,000 of transition costs. These costs include approximately $596,000
representing our allocated share of transition costs from Verizon Services.

Other Related Actions

      During the second quarter of 2000, we also recorded a $53,000 charge for
other actions in relation to the merger or other strategic decisions. This
charge included the write-off of duplicate assets.

Other Charges and Special Items

Regulatory Contingency

      In the second quarter of 2000, we recognized a charge for a regulatory
matter totaling $16,000. We recorded a reduction to operating revenue in the
amount of $12,000 and a charge to interest expense of $4,000. This matter
relates to a specific issue currently under investigation by the Federal
Communications Commission (FCC). We believe that it is probable that the
ultimate resolution of this matter will result in refunds to our customers,
including interest.

Other Items

      In the second quarter of 2000, we recorded other charges and special items
totaling approximately $4,939,000 in connection with consolidating operations
and combining organizations and for other nonrecurring items arising in the
quarter. These charges included costs for the write-off of accounts receivable,
legal contingencies and other miscellaneous items.

Bell Atlantic - NYNEX Merger

Merger-Related Costs

      In connection with the Bell Atlantic-NYNEX merger, which was completed in
August 1997, we recorded pre-tax merger-related transition costs of $2,265,000
in the first nine months of 1999. These costs include approximately $1,982,000
representing our allocated share of transition costs from Verizon Services.

      Transition costs consisted of our proportionate share of costs associated
with integrating the operations of Bell Atlantic and NYNEX, such as systems
modification costs and advertising and branding costs. Transition costs were
expensed as incurred.

These and other items affecting the comparison of our results of operations for
the nine month periods ended September 30, 2000 and 1999 are discussed in the
following sections.

                                       8
<PAGE>

                          Verizon West Virginia Inc.

OPERATING REVENUE STATISTICS
----------------------------
                                                      2000     1999    % Change
--------------------------------------------------------------------------------
At September 30,
Access Lines in Service (in thousands)*
   Residence                                           631      616      2.4%
   Business                                            269      249      8.0
   Public                                               10       10      ---
                                                   -----------------------------
                                                       910      875      4.0
                                                   =============================
Nine Months Ended September 30,
Access Minutes of Use (in millions)                  2,790    2,605      7.1
                                                   =============================

* 1999 reflects a restatement of access lines in service

OPERATING REVENUES
------------------
(Dollars in Thousands)

Nine Months Ended September 30,                    2000                1999
--------------------------------------------------------------------------------
Local services                                 $287,470            $278,281
Network access services                         158,615             145,384
Long distance services                           19,147              22,392
Other services                                   28,309              26,517
                                          --------------------------------------
Total                                          $493,541            $472,574
                                          ======================================

LOCAL SERVICES

      2000 - 1999                                         Increase
--------------------------------------------------------------------------------
      Nine Months                                  $9,189           3.3%
--------------------------------------------------------------------------------

       Local service revenues are earned from the provision of local exchange,
local private line, wire maintenance, voice messaging and value-added services.
Value-added services are a family of services that expand the utilization of the
network, including products such as Caller ID, Call Waiting and Return Call.
Local services also includes wholesale revenues from unbundled network element
(UNE) platforms, certain data transport revenues, and wireless interconnection
revenues.

      Local service revenues increased in the first nine months of 2000
primarily due to higher usage of our network facilities. This revenue growth was
generated, in part, by an increase in access lines in service of 4.0% from
September 30, 1999. Local service revenue growth also reflects higher customer
demand and usage of our data transport and digital services.

      The effect of an 18-day work stoppage, as described below under "Operating
Expenses - Operations and Support - Labor Agreements," adversely affected local
service revenue growth due to the delay in the installation of new services and
as a result of customers not having full access to demand-based services.


NETWORK ACCESS SERVICES

      2000 - 1999                                         Increase
--------------------------------------------------------------------------------
      Nine Months                                 $13,231           9.1%
--------------------------------------------------------------------------------

      Network access revenues are earned from end-user subscribers and from long
distance and other competing carriers who use our local exchange facilities to
provide services to their customers. Switched access revenues are derived from
fixed and usage-based charges paid by carriers for access to our local network.
Special access revenues originate from carriers and end-users that buy dedicated
local exchange capacity to support their private networks. End-user access
revenues are earned from our customers and from resellers who purchase dial-tone
services.

                                       9
<PAGE>

                          Verizon West Virginia Inc.

     Network access revenue growth in the first nine months of 2000 was mainly
attributable to higher customer demand, as reflected by growth in access minutes
of use of 7.1% from the same period in 1999. Volume growth also reflects a
continuing expansion of the business market, particularly for high capacity data
services. In the first nine months of 2000, demand for special access services
increased, reflecting a greater utilization of our network. Higher network usage
by alternative providers of intrLATA toll services and higher end-user revenues
attributable to an increase in access lines in service further contributed to
revenue growth this year.

     In addition, network access revenues included higher revenues received from
customers for the recovery of local number portability (LNP) costs. LNP allows
customers to change local exchange carriers while maintaining their existing
telephone numbers. In December 1998, the Federal Communications Commission (FCC)
issued an order permitting us to recover costs incurred for LNP in the form of
monthly end-user charges for a five-year period beginning in March 1999.

     Volume-related growth was largely offset by price reductions associated
with federal price cap filings and other regulatory decisions, including the
implementation of the Coalition for Affordable Local and Long Distance Service
(CALLS) plan, effective July 1, 2000. For more information on federal access
rates, see "Other Matters - FCC Regulations and Interstate Rates." In addition,
revenue was reduced by a special charge for a contingency associated with a
regulatory matter, as described in the Results of Operations section.


LONG DISTANCE SERVICES

      2000 - 1999                                             (Decrease)
--------------------------------------------------------------------------------
      Nine Months                                      $(3,245)        (14.5)%
--------------------------------------------------------------------------------

     Long distance revenues are earned primarily from calls made to points
outside a customer's local calling area, but within our service area (intraLATA
toll). IntraLATA toll calls originate and terminate within the same LATA, but
generally cover a greater distance than a local call. These services are
regulated by the West Virginia Public Service Commission (PSC) except where they
cross-state lines. Other long distance services that we provide include 800
services and Wide Area Telephone Service (WATS).

     The decline in long distance revenues in the first nine months of 2000 was
principally caused by the competitive effects of presubscription, which enables
customers to make intraLATA toll calls using a competing carrier without having
to dial an access code. The negative effect of presubscription on long distance
revenues was partially mitigated by increased network access services for usage
of our network by alternative service providers. In response to presubscription,
we have implemented customer win-back and retention initiatives that include
toll calling discount packages and product bundling offers. These revenue
reductions were partially offset by additional revenue generated by higher
calling volumes.


OTHER SERVICES

      2000 - 1999                                              Increase
--------------------------------------------------------------------------------
      Nine Months                                       $1,792           6.8%
--------------------------------------------------------------------------------

     Our other services include such services as billing and collections for
long distance carriers and affiliates, facilities rentals to affiliates and
nonaffiliates, collocation for competitive local exchange carriers, usage of
separately priced (unbundled) components of our network by competitive local
exchange carriers, public (coin) telephone, customer premises equipment (CPE)
and sales of materials and supplies to affiliates. Other services revenues also
include fees paid by customers for nonpublication of telephone numbers and
multiple white page listings and fees paid by an affiliate for usage of our
directory listings.

     Other services revenues increased in the first nine months of 2000
primarily due to higher facilities rental revenues received from affiliates and
higher customer late payment charges. Revenue growth was also attributable to
higher payments received from competitive local exchange carriers for
interconnection of their networks with our network. These increases were
partially offset by lower revenues from our billing and collection services.

                                       10
<PAGE>

                          Verizon West Virginia Inc.

OPERATING EXPENSES
------------------
(Dollars in Thousands)

OPERATIONS AND SUPPORT

      2000 - 1999                                              Increase
--------------------------------------------------------------------------------
      Nine Months                                       $8,498           3.8%
--------------------------------------------------------------------------------

     Operations and support expenses consist of employee costs and other
operating expenses. Employee costs consist of salaries, wages and other employee
compensation, employee benefits and payroll taxes. Other operating expenses
consist of contract services including centralized services expenses allocated
from Verizon Services, rent, network software costs, operating taxes other than
income, the provision for uncollectible accounts receivable, and other costs.

     The increase in operations and support expenses was primarily attributable
to merger-related costs and other special items recorded in 2000. These charges
consisted of $7,299,000 for merger-related costs and $4,939,000 for other
special items. Other items contributing to the increase in expense, but to a
lesser extent, were annual salary and wage increases for management and
associate employees, higher centralized services expenses allocated from Verizon
Services and higher costs for uncollectible accounts receivable associated with
our billing and collection services.

     These increases were partially offset by a decline in pension and benefit
costs and the effects of the work stoppage. The decline in pension and benefit
costs was due to favorable pension plan investment returns and changes in
actuarial assumptions. These factors were partially offset by changes in certain
plan provisions, including a previously reported amendment to our management
cash balance plan and a special lump sum pension payment to management and
associate retirees.

Labor Agreements

     Associate employee wages, and pension and other benefits are determined
under a contract with the union representing our associate employees. On August
5, 2000, the collective bargaining agreement with the union representing our
associate employees expired, and the union initiated a work stoppage.

     On August 23, 2000, Verizon Communications reached a tentative agreement
with the Communications Workers of America (CWA) on a new 3-year contract
covering our employees. The contract provides for annual wage increases of 4
percent, 3 percent and 5 percent, beginning in August 2000. Customer service
representatives will receive an additional 4 percent wage increase effective
immediately. Pension benefits for active employees will increase by 5 percent on
July 1, 2001, 5 percent on July 1, 2002 and 4 percent on July 1, 2003. The
contract resolves certain local issues, including overtime and work rules,
raised by the CWA and also includes team-based incentive awards for meeting
higher service, performance and other standards, increased funding for work and
family programs, improvements to health and other benefits and certain
provisions relating to access to work and employment security. In addition,
prior to year-end, all union-represented employees will be granted options to
purchase 100 shares of Verizon Communications' common stock.

     The labor agreement with the CWA has been ratified by the union membership.


DEPRECIATION AND AMORTIZATION

      2000 - 1999                                              Increase
--------------------------------------------------------------------------------
      Nine Months                                       $2,213           2.3%
--------------------------------------------------------------------------------

     Depreciation and amortization expense increased in the first nine months of
2000 over the same period in 1999 principally as a result of growth in
depreciable telephone plant and changes in the mix of plant assets. The growth
in telephone plant was largely attributable to increased capital expenditures
for software and hardware to support the expansion of our network. These factors
were partially offset by the effect of lower rates of depreciation and
amortization.

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                          Verizon West Virginia Inc.

OTHER INCOME, NET

      2000 - 1999                                             Increase
--------------------------------------------------------------------------------
      Nine Months                                       $2,339         809.3%
--------------------------------------------------------------------------------

     The change in other income, net, was primarily attributable to additional
interest income associated with the settlement of tax-related matters in the
first nine months of 2000. Other items contributing to the change, but to a
lesser extent, were an increase in the income recognized from our investment in
SMS/800 under the equity method and nonperformance fees received from a vendor.


INTEREST EXPENSE

      2000 - 1999                                             Increase
--------------------------------------------------------------------------------
      Nine Months                                       $1,096           8.8%
--------------------------------------------------------------------------------

     Interest expense includes costs associated with borrowings and capital
leases, net of interest capitalized as a cost of acquiring or constructing plant
assets.

     Interest expense increased in the first nine months of 2000 over the same
period in 1999 primarily due to higher levels of average short-term debt with an
affiliate and higher interest rates associated with this debt. Interest expense
was also impacted by additional interest costs associated with a regulatory
contingency, as described in the Results of Operations section. These factors
were partially offset by higher capitalized interest costs resulting from higher
levels of average telephone plant under construction.


EFFECTIVE INCOME TAX RATES

      Nine Months Ended September 30,
--------------------------------------------------------------------------------
      2000                                                      40.3%
--------------------------------------------------------------------------------
      1999                                                      37.8%
--------------------------------------------------------------------------------

     The effective income tax rate is the provision for income taxes as a
percentage of income before the provision for income taxes. Our effective income
tax rate was higher in the first nine months of 2000 principally due to
non-recurring state income tax benefits recorded in the first nine months of
1999.

OTHER MATTERS
-------------

FCC Regulation and Interstate Rates

     On May 31, 2000, the FCC approved the industry proposal to restructure
access charges (known as the "CALLS plan"). Under the terms of the plan, direct
end-user access charges are increased while access charges to long distance
carriers are reduced. While the plan continues the 6.5% (less inflation) annual
reductions for most interstate access charges, it provides for a price freeze
when switched access transport prices reach $0.0055 per-minute. In addition, in
conjunction with provisions that will allow carriers to deaverage their
subscriber line charges by geographic zones, the plan establishes a new $650
million universal service fund to support interstate access rates. Of that
amount, Verizon Communications expects approximately $320 million to be used to
support interstate access services in its service territory. The price
restructuring portions of the plan are mandatory for all large local exchange
carriers, including Verizon Communications' telephone operating companies, such
as us. The price level portions of the plan are mandatory only in the initial
year of the plan. By September 14, 2000, carriers were to decide whether to
participate in the remaining four years of the plan, or whether to submit cost
studies as the basis of future price caps.

     Consistent with the new access plan, Verizon Communications filed tariff
adjustments to take effect on July 1, 2000 (with modifications effective August
11, 2000). As a result of these tariff adjustments, former GTE carriers in ten
states, and former Bell Atlantic carriers in seven states reached the $0.0055
benchmark and by opting into the full five year CALLS plan, Verizon

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                          Verizon West Virginia Inc.

Communications would not be subject to further annual interstate switched access
price reductions for the remaining life of the plan.

     As of September 14, 2000, Verizon Communications formally opted to
participate in the full five-year term of the FCC-adopted industry plan to
restructure access rates known as the CALLS plan. As a result of this decision,
price caps on Verizon Communications' interstate access charges will be set
according to the terms of the CALLS plan.

Recent Accounting Pronouncements

FASB Accounting Standard - Derivatives and Hedging Activities

     In June 1998, the Financial Accounting Standards Board (FASB) issued SFAS
No. 133, "Accounting for Derivative Instruments and Hedging Activities." This
statement requires that all derivatives be measured at fair value and recognized
as either assets or liabilities on our balance sheet. Changes in the fair values
of derivative instruments will be recognized in either earnings or other
comprehensive income, depending on the designated use and effectiveness of the
instruments.

     In June 2000, the FASB issued SFAS No. 138, "Accounting for Certain
Derivative Instruments and Certain Hedging Activities," which amended SFAS
No. 133. The amendments in SFAS No. 138 address certain implementation issues
and relate to such matters as the normal purchases and normal sales exception,
the definition of interest rate risk, hedging recognized foreign-currency-
denominated assets and liabilities, and intercompany derivatives.

     We are currently evaluating the provisions of SFAS No. 133 and SFAS
No. 138, which we will adopt on January 1, 2001. The impact of adoption will be
affected by several factors, including the specific hedging instruments in place
and their relationships to hedged items, as well as market conditions at the
date of adoption.

SEC Staff Accounting Bulletin - Revenue Recognition

     In December 1999, the SEC issued Staff Accounting Bulletin (SAB) No. 101,
"Revenue Recognition in Financial Statements," which provides additional
guidance on revenue recognition and, in certain circumstances, requires the
deferral of incremental costs. We will adopt SAB No. 101 in the fourth quarter
of 2000, retroactive to January 1, 2000. We are currently assessing the impact
of adopting SAB No. 101.

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                           Verizon West Virginia Inc.

                          PART II - OTHER INFORMATION

Item 1.       Legal Proceedings

              There were no proceedings reportable under this Item.

Item 6.       Exhibits and Reports on Form 8-K


              (a)   Exhibits:

                    Exhibit Number

                    27       Financial Data Schedule.


              (b)   Current Reports on Form 8-K filed during the quarter ended
                    September 30, 2000:

                    A Current Report on Form 8-K, dated August 23, 2000, was
                    filed regarding a tentative agreement on a new three-year
                    contract with the Communications Workers of America in the
                    Mid-Atlantic region.

                    A Current Report on Form 8-K, dated September 7, 2000, was
                    filed in connection with a change in our independent
                    accountants.

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                          Verizon West Virginia Inc.

                                  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.



                                            VERIZON WEST VIRGINIA INC.



Date:  November 14, 2000                    By  /s/ Edwin F. Hall
                                               ---------------------------------
                                                    Edwin F. Hall
                                                    Principal Financial Officer
                                                    and Controller

    UNLESS OTHERWISE INDICATED, ALL INFORMATION IS AS OF NOVEMBER 8, 2000.

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                          Verizon West Virginia Inc.

                                 EXHIBIT INDEX


                    Exhibit Number

                    27       Financial Data Schedule.