<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, 1999

                                       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


                       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 BELL ATLANTIC CORPORATION, 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>

                       Bell Atlantic - West Virginia, Inc.

                         PART I - FINANCIAL INFORMATION

Item 1.  Financial Statements


                         CONDENSED STATEMENTS OF INCOME
                                   (Unaudited)
                             (Dollars in Thousands)

<TABLE>
<CAPTION>

                                                                     Three Months Ended                   Nine Months Ended
                                                                        September 30,                       September 30,
                                                              --------------------------------------------------------------------
                                                                   1999               1998             1999               1998
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                          <C>              <C>              <C>               <C>
OPERATING REVENUES (including $9,146,
    $9,953, $28,189 and $27,822 from affiliates)                $158,473            $148,972        $463,799           $444,017
                                                              --------------------------------------------------------------------
OPERATING EXPENSES
Employee costs, including benefits and taxes                      22,217              23,137          69,501             75,231
Depreciation and amortization                                     32,430              32,150          95,585             94,469
Other (including $25,582, $32,136
    $81,755 and $91,652 to affiliates)                            46,649              49,914         142,473            154,285
                                                              --------------------------------------------------------------------
                                                                 101,296             105,201         307,559            323,985
                                                              --------------------------------------------------------------------

OPERATING INCOME                                                  57,177              43,771         156,240            120,032

OTHER INCOME, NET (including $11,
    $(14), $54 and $1,000 from affiliates)                            47                 100             289              1,889

INTEREST EXPENSE (including $515, $294
    $1,152 and $294 to affiliate)                                  4,179               3,801          12,443             12,371
                                                              --------------------------------------------------------------------
INCOME BEFORE PROVISION FOR INCOME TAXES
     AND EXTRAORDINARY ITEM                                       53,045              40,070         144,086            109,550

PROVISION FOR INCOME TAXES                                        21,581              16,274          54,427             44,313
                                                              --------------------------------------------------------------------

INCOME BEFORE EXTRAORDINARY ITEM                                  31,464              23,796          89,659             65,237

EXTRAORDINARY ITEM
Early extinguishment of debt, net of tax                             ---                 ---             ---              (263)
                                                              --------------------------------------------------------------------

NET INCOME                                                       $31,464             $23,796         $89,659            $64,974
                                                              ====================================================================
</TABLE>


                  See Notes to Condensed Financial Statements.

                                       1
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

                            CONDENSED BALANCE SHEETS
                                   (Unaudited)
                             (Dollars in Thousands)


                                     ASSETS
                                     ------

<TABLE>
<CAPTION>
                                                                                     September 30,       December 31,
                                                                                         1999               1998
----------------------------------------------------------------------------------------------------------------------
<S>                                                                                    <C>                <C>
CURRENT ASSETS
Short-term investments                                                                  $      ---          $    8,478
Accounts receivable:
   Trade and other, net of allowances for
         uncollectibles of $9,007 and $7,315                                                94,548              98,724
   Affiliates                                                                                6,659               6,407
Material and supplies                                                                        2,551               5,604
Prepaid expenses                                                                             4,756               3,036
Deferred income taxes                                                                        1,320               1,082
Other                                                                                        2,550                 ---
                                                                                     ---------------------------------
                                                                                           112,384             123,331
                                                                                     ---------------------------------

PLANT, PROPERTY AND EQUIPMENT                                                            1,941,858           1,852,670
Less accumulated depreciation                                                            1,200,379           1,133,798
                                                                                     ---------------------------------
                                                                                           741,479             718,872
                                                                                     ---------------------------------

OTHER ASSETS                                                                                12,144               5,269
                                                                                     ---------------------------------

TOTAL ASSETS                                                                            $  866,007          $  847,472
                                                                                     =================================
</TABLE>

                  See Notes to Condensed Financial Statements.

                                       2
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

                            CONDENSED BALANCE SHEETS
                                   (Unaudited)
                             (Dollars in Thousands)


                     LIABILITIES AND SHAREOWNER'S INVESTMENT
                     ---------------------------------------
<TABLE>
<CAPTION>
                                                                                              September 30,      December 31,
                                                                                                  1999              1998
-------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                            <C>                <C>
CURRENT LIABILITIES
Debt maturing within one year:
   Note payable to affiliate                                                                    $  42,463          $  11,039
   Other                                                                                           25,174                165
Accounts payable and accrued liabilities:
   Affiliates                                                                                      41,713             63,862
   Other                                                                                           77,614             73,671
Other liabilities                                                                                  11,409             15,902
                                                                                            -------------------------------------
                                                                                                  198,373            164,639
                                                                                            -------------------------------------

LONG-TERM DEBT                                                                                    199,433            224,476
                                                                                            -------------------------------------

EMPLOYEE BENEFIT OBLIGATIONS                                                                      103,162            119,260
                                                                                            -------------------------------------

DEFERRED CREDITS AND OTHER LIABILITIES
Deferred income taxes                                                                              31,405             25,251
Unamortized investment tax credits                                                                  4,798              5,539
Other                                                                                              25,811             25,030
                                                                                            -------------------------------------
                                                                                                   62,014             55,820
                                                                                            -------------------------------------
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                                                                                31,693             11,945
Accumulated other comprehensive loss                                                                 (152)              (152)
                                                                                            -------------------------------------
                                                                                                  303,025            283,277
                                                                                            -------------------------------------

TOTAL LIABILITIES AND SHAREOWNER'S INVESTMENT                                                   $ 866,007          $ 847,472
                                                                                            =====================================
</TABLE>


                  See Notes to Condensed Financial Statements.

                                       3
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

                       CONDENSED STATEMENTS OF CASH FLOWS
                                   (Unaudited)
                             (Dollars in Thousands)

<TABLE>
<CAPTION>
                                                                                                  Nine Months Ended
                                                                                                    September 30,
                                                                                    ---------------------------------------------
                                                                                             1999                  1998
---------------------------------------------------------------------------------------------------------------------------------
<S>                                                                                <C>                    <C>
NET CASH PROVIDED BY OPERATING ACTIVITIES                                               $    149,966           $   133,948
                                                                                    ---------------------------------------------
CASH FLOWS FROM INVESTING ACTIVITIES
Net change in short-term investments                                                           8,478                 6,925
Additions to plant, property and equipment                                                  (115,191)             (115,621)
Net change in note receivable from affiliate                                                     ---                59,646
Other, net                                                                                      (553)                2,161
                                                                                    ---------------------------------------------
Net cash used in investing activities                                                       (107,266)              (46,889)
                                                                                    ---------------------------------------------
CASH FLOWS FROM FINANCING ACTIVITIES
Principal repayments of capital lease obligations                                               (123)                 (117)
Early extinguishment of debt                                                                     ---               (40,000)
Net change in note payable to affiliate                                                       31,424                17,599
Dividends paid                                                                               (70,000)              (64,400)
Net change in outstanding checks drawn
    on controlled disbursement accounts                                                       (4,001)                 (141)
                                                                                    ---------------------------------------------
Net cash used in financing activities                                                        (42,700)              (87,059)
                                                                                    ---------------------------------------------

NET CHANGE IN CASH                                                                               ---                    ---

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

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


                  See Notes to Condensed Financial Statements.

                                       4
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

                     NOTES TO CONDENSED FINANCIAL STATEMENTS
                                   (Unaudited)

1. Basis of Presentation

   Bell Atlantic - West Virginia, Inc. is a wholly owned subsidiary of Bell
Atlantic Corporation (Bell Atlantic). The accompanying unaudited condensed
financial statements have been prepared based upon Securities and Exchange
Commission rules that permit reduced disclosure for interim periods. 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. 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 Annual
Report on Form 10-K for the year ended December 31, 1998.

   We have reclassified certain amounts from the prior year's data to conform
to the 1999 presentation.

2. Dividend

   On November 1, 1999, we declared and paid a dividend in the amount of
$23,800,000 to Bell Atlantic.

3. New Accounting Standards

Costs of Computer Software

   Effective January 1, 1999, we adopted Statement of Position (SOP) No. 98-1,
"Accounting for the Costs of Computer Software Developed or Obtained for
Internal Use." Under SOP No. 98-1, we capitalize the cost of internal-use
software which has a useful life in excess of one year. Subsequent additions,
modifications or upgrades to internal-use software are capitalized only to the
extent that they allow the software to perform a task it previously did not
perform. Software maintenance and training costs are expensed in the period in
which they are incurred. Also, we capitalize interest associated with the
development of internal-use software. The effect of adopting SOP No. 98-1 for
Bell Atlantic was an increase in net income of approximately $175 million for
the nine months ended September 30, 1999.

Costs of Start-Up Activities

   Effective January 1, 1999, we adopted SOP No. 98-5, "Reporting on the Costs
of Start-up Activities." Under this accounting standard, we expense costs of
start-up activities as incurred, including pre-operating, pre-opening and other
organizational costs. The adoption of SOP No. 98-5 did not have a material
effect on our results of operations or financial condition because we have not
historically capitalized start-up activities.

Derivatives and Hedging Activities

   In June 1998, the Financial Accounting Standards Board (FASB) issued
Statement of Financial Accounting Standards (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 comprehensive income,
depending on the designated use and effectiveness of the instruments. The FASB
amended this pronouncement in June 1999 to defer the effective date of SFAS No.
133 for one year.

   Under the amended pronouncement, we must adopt SFAS No. 133 no later than
January 1, 2001. The adoption of SFAS No. 133 will have no material effect on
our results of operations or financial condition because we currently do not
enter into the use of derivative instruments or participate in hedging
activities.

                                       5
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

4. Shareowner's Investment

<TABLE>
<CAPTION>
                                                                           Accumulated
                                                                              Other
                                           Common    Capital  Reinvested  Comprehensive
(Dollars in Thousands)                      Stock    Surplus   Earnings       Loss
---------------------------------------------------------------------------------------
<S>                                        <C>       <C>      <C>         <C>
Balance at December 31, 1998               $264,065   $7,419    $11,945           $(152)
Net income                                                       89,659
Dividends paid to Bell Atlantic                                 (70,000)
Other                                                                89
                                        -----------------------------------------------
Balance at September 30, 1999              $264,065   $7,419    $31,693           $(152)
                                        ===============================================
</TABLE>

   Net income and comprehensive income were the same for the nine months ended
September 30, 1999 and 1998.

5. Litigation and Other 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.

6. Proposed Bell Atlantic - GTE Merger

   Bell Atlantic and GTE Corporation (GTE) have announced a proposed merger of
equals under a definitive merger agreement dated as of July 27, 1998. Under the
terms of the agreement, GTE shareholders will receive 1.22 shares of Bell
Atlantic common stock for each share of GTE common stock that they own. Bell
Atlantic shareholders will continue to own their existing shares after the
merger.

   It is expected that the merger will qualify as a pooling of interests, which
means that for accounting and financial reporting purposes the companies will be
treated as if they had always been combined. At annual meetings held in May
1999, the shareholders of each company approved the merger. The completion of
the merger is subject to a number of conditions, including certain regulatory
approvals and receipt of opinions that the merger will be tax-free.

   Bell Atlantic and GTE are working diligently to complete the merger and are
targeting completion of the merger around the end of the first quarter of 2000.
However, the companies must obtain the approval of a variety of state and
federal regulatory agencies and, given the inherent uncertainties of the
regulatory process, the closing of the merger may be delayed.

                                       6
<PAGE>

                       Bell Atlantic - 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 $89,659,000 for the nine months ended September 30,
1999, compared to net income of $64,974,000 for the same period in 1998.

   Our results for 1999 and 1998 were affected by special items. The special
items in both periods include our allocated share of charges from Bell Atlantic
Network Services, Inc. (NSI).

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

<TABLE>
<CAPTION>
                                                                                                   (Dollars in Thousands)
Nine Months Ended September 30                                                                     1999              1998
-------------------------------------------------------------------------------------------------------------------------
<S>                                                                                             <C>             <C>
Employee Costs
 Merger transition costs                                                                          $ 277             $ 133

Other Operating Expenses
 Merger transition costs                                                                              6               292
 Allocated merger transition costs                                                                1,982             1,055
                                                                                          -------------------------------
                                                                                                 $2,265            $1,480
                                                                                          ===============================
</TABLE>

Merger-related Costs

   In connection with the Bell Atlantic-NYNEX merger, which was completed in
August 1997, we recorded pre-tax transition and integration costs of $2,265,000
in the first nine months of 1999 and $1,480,000 in the first nine months of
1998.

   Transition and integration costs consist of our proportionate share of costs
associated with integrating the operations of Bell Atlantic and NYNEX, such as
systems modifications costs and advertising and branding costs. Transition and
integration costs are expensed as incurred.



OPERATING REVENUE STATISTICS
----------------------------

<TABLE>
<CAPTION>
                                                                                          1999         1998      % Change
--------------------------------------------------------------------------------------------------------------------------
At September 30
---------------
<S>                                                                               <C>             <C>           <C>
Access Lines in Service (in thousands)
    Residence                                                                              615          602         2.2%
    Business                                                                               243          224         8.5
    Public                                                                                  10           10          --
                                                                                   ------------------------
                                                                                           868          836         3.8
                                                                                   ========================
Nine Months Ended September 30
------------------------------
Access Minutes of Use (in millions)                                                      2,605        2,436         6.9
                                                                                   ========================
</TABLE>

                                       7
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

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

<TABLE>
<CAPTION>

Nine Months Ended September 30                         1999              1998
--------------------------------------------------------------------------------
<S>                                                <C>               <C>
Local services                                       $264,413          $249,767
Network access services                               145,384           135,356
Long distance services                                 21,867            29,122
Ancillary services                                     32,135            29,772
                                                 -------------------------------
Total                                                $463,799          $444,017
                                                 ===============================
</TABLE>


LOCAL SERVICES REVENUES

   1999 - 1998                          Increase
--------------------------------------------------------------------------------
   Nine Months                  $14,646           5.9%
--------------------------------------------------------------------------------

   Local services revenues are earned from the provision of local exchange,
local private line, public telephone (pay phone) and value-added services.
Value-added services are a family of services that expand the utilization of the
network. These services include products such as Caller ID, Call Waiting and
Return Call.

   Local services revenues increased in 1999 primarily due to higher usage of
our network facilities. This growth was generated, in part, by an increase in
access lines in service of 3.8% from September 30, 1998. Access line growth
primarily reflects higher demand for Centrex services and an increase in
additional residential lines.

   Local services revenue growth in 1999 also reflects strong customer demand
and usage of our data transport and digital services. Revenues from our
value-added services were boosted in 1999 by marketing and promotional campaigns
offering new service packages.

   These increases in local services revenues were partially offset by a decline
in revenues from our pay phone services due to the increasing popularity of
wireless communications and price reductions on certain local exchange services.


NETWORK ACCESS SERVICES REVENUES

   1999 - 1998                          Increase
--------------------------------------------------------------------------------
   Nine Months                  $10,028           7.4%
--------------------------------------------------------------------------------

   Network access services revenues are earned from end-user subscribers and
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.

   Network access services revenue growth in 1999 was mainly attributable to
higher customer demand, as reflected by growth in access minutes of use of 6.9%
from the same period in 1998. Volume growth also reflects a continuing expansion
of the business market, particularly for high-capacity services. In 1999, demand
for special access services increased, reflecting a greater utilization of our
network. Higher network usage by alternative providers of intraLATA 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, revenues for 1999 include amounts 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 February 1999. LNP charges
contributed approximately $300,000 to network access services revenues for the
nine-month period ended September 30, 1999.

                                       8
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

   Volume-related growth was partially offset by net price reductions mandated
by a federal price cap plan. The FCC regulates the rates that we charge long
distance carriers and end-user subscribers for interstate access services. We
are required to file new access rates with the FCC each year. In July 1999, we
implemented interstate price decreases of approximately $800,000 on an annual
basis in connection with the FCC's Price Cap Plan. The rates will be in effect
through June 2000. Interstate price decreases were $2,300,000 on an annual basis
for the period July 1998 through June 1999. These rates also include amounts
necessary to recover our contributions to the FCC's universal service fund and
are subject to change every quarter due to potential increases or decreases in
our contribution to the universal service fund. Our contribution to the
universal service fund is included in Other Operating Expenses. See "Other
Matters - FCC Regulation and Interstate Rates - Universal Service" for
additional information on universal service.


LONG DISTANCE SERVICES REVENUES

   1999 - 1998                         (Decrease)
--------------------------------------------------------------------------------
   Nine Months                  $(7,255)        (24.9)%
--------------------------------------------------------------------------------

   Long distance services revenues are earned primarily from calls made to
points outside a customer's local calling area, but within our service area
(intraLATA toll). Other long distance services that we provide include 800
services and Wide Area Telephone Service (WATS).

   The decline in long distance services revenues was principally caused by the
competitive effects of presubscription for intraLATA toll services.
Presubscription permits customers to use an alternative provider of their choice
for intraLATA toll calls without dialing a special access code when placing a
call. In response to presubscription, we have implemented customer win-back and
retention initiatives that include toll calling discount packages and product
bundling offers.


ANCILLARY SERVICES REVENUES

   1999 - 1998                          Increase
--------------------------------------------------------------------------------
   Nine Months                   $2,363           7.9%
--------------------------------------------------------------------------------

   Our ancillary 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, voice messaging, customer premises equipment (CPE) and wiring
and maintenance services and sales of materials and supplies to affiliates.
Ancillary 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.

   Ancillary services revenues increased in 1999 due to higher revenues from
pole rentals to nonaffiliates and greater demand for voice messaging services.

                                       9
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

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

<TABLE>
<CAPTION>
Nine Months Ended September 30                          1999              1998
--------------------------------------------------------------------------------
<S>                                                 <C>               <C>
Employee costs, including benefits and taxes           $69,501           $75,231
Depreciation and amortization                           95,585            94,469
Other operating expenses                               142,473           154,285
                                                  ------------------------------
Total                                                 $307,559          $323,985
                                                  ==============================
</TABLE>

EMPLOYEE COSTS

   1999 - 1998                         (Decrease)
--------------------------------------------------------------------------------
   Nine Months                  $(5,730)         (7.6)%
--------------------------------------------------------------------------------

   Employee costs consist of salaries, wages and other employee compensation,
employee benefits and payroll taxes paid directly by us. Similar costs incurred
by employees of NSI, who provide centralized services on a contract basis, are
allocated to us and are included in Other Operating Expenses.

   Employee costs decreased in the first nine months of 1999 as a result of
lower pension and benefit costs, a reduction in associate overtime pay and the
effect of lower work force levels. Annual salary and wage increases for
management and associate employees partially offset these cost reductions.

   The decline in pension and benefit costs was due to a number of factors,
principally, lower pension costs as a result of favorable pension plan
investment returns and changes in plan provisions and actuarial assumptions.
These factors were partially offset by increased health care costs caused by
inflation and benefit plan improvements provided for under new contracts with
associate employees.


DEPRECIATION AND AMORTIZATION

   1999 - 1998                          Increase
--------------------------------------------------------------------------------
   Nine Months                   $1,116           1.2%
--------------------------------------------------------------------------------

   Depreciation and amortization expense increased in the first nine months of
1999 over the same period in 1998 principally as a result of growth in
depreciable telephone plant and changes in the mix of plant assets. The adoption
of Statement of Position (SOP) No. 98-1, "Accounting for the Costs of Computer
Software Developed or Obtained for Internal Use" also contributed to the
increase in depreciation and amortization expense in the first nine months of
1999, but to a lesser extent. Under this new accounting standard, computer
software developed or obtained for internal use is capitalized and amortized.
Previously, we expensed most of these software purchases as incurred. For
additional information on SOP No. 98-1, see Note 3 to the condensed financial
statements. These expense increases were substantially offset by the effect of
lower rates of depreciation.


OTHER OPERATING EXPENSES

   1999 - 1998                         (Decrease)
--------------------------------------------------------------------------------
   Nine Months                 $(11,812)         (7.7)%
--------------------------------------------------------------------------------

   Other operating expenses consist of contract services including centralized
services expenses allocated from NSI, rent, network software costs, operating
taxes other than income, the provision for uncollectible accounts receivable,
and other costs.

   The decrease in other operating expenses in the first nine months of 1999
was largely attributable to the effect of adopting SOP No. 98-1 and a reduction
in centralized services expenses allocated from NSI, partially as a result of
lower employee costs incurred by NSI. These decreases were partially offset by
higher costs for materials.

                                      10
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

OTHER INCOME, NET

   1999 - 1998                         (Decrease)
--------------------------------------------------------------------------------
   Nine Months                  $(1,600)        (84.7)%
--------------------------------------------------------------------------------

   The change in other income, net, was attributable to additional interest
income in 1998 associated with a note receivable from an affiliate and in
connection with the settlement of tax-related matters.


INTEREST EXPENSE

   1999 - 1998                       Increase
--------------------------------------------------------------------------------
   Nine Months                  $72            .6%
--------------------------------------------------------------------------------

   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 1999 principally due
to a reduction in capitalized interest costs primarily resulting from lower
levels of average telephone plant under construction. This increase was
partially offset by the effect of refinancing long-term debt with short-term
debt at a more favorable interest rate.


EFFECTIVE INCOME TAX RATES

   Nine Months Ended September 30
--------------------------------------------------------------------------------
   1999                                   37.8%
--------------------------------------------------------------------------------
   1998                                   40.5%
--------------------------------------------------------------------------------

   The effective income tax rate is the provision for income taxes as a
percentage of income before the provision for income taxes and extraordinary
item. Our effective income tax rate was lower in the first nine months of 1999
principally due to state income tax benefits recorded in 1999.


EXTRAORDINARY ITEM

   In 1998, we recorded an extraordinary charge associated with the early
extinguishment of long-term debt. This charge reduced net income by $263,000
(net of an income tax benefit of $182,000).

                                      11
<PAGE>

                       Bell Atlantic - West Virginia, Inc.

FINANCIAL CONDITION
-------------------

   We use the net cash generated from operations and from external financing to
fund capital expenditures for network expansion and modernization, and pay
dividends. While current liabilities exceeded current assets at both September
30, 1999 and 1998 and December 31, 1998, our sources of funds, primarily from
operations and, to the extent necessary, from readily available financing
arrangements with an affiliate, are sufficient to meet ongoing operating
requirements. Management expects that presently foreseeable capital requirements
will continue to be financed primarily through internally generated funds.
Additional long-term debt may be needed to fund development activities or to
maintain our capital structure to ensure financial flexibility.

   As of September 30, 1999, we had $27,137,000 of an unused line of credit
with an affiliate, Bell Atlantic Network Funding Corporation. In addition, we
had $50,000,000 remaining under a shelf registration statement filed with the
Securities and Exchange Commission for the issuance of unsecured debt
securities. Our debt securities continue to be accorded high ratings by primary
rating agencies. Subsequent to the announcement of the Bell Atlantic - GTE
merger, rating agencies have maintained current credit ratings, but have placed
our ratings under review for potential downgrade.

   Our debt ratio was 46.8% at September 30, 1999, compared to 45.9% at
September 30, 1998 and 45.4% at December 31, 1998.

   On November 1, 1999, we declared and paid a dividend in the amount of
$23,800,000 to Bell Atlantic.


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

FCC Regulation and Interstate Rates

   Price Caps

   In May 1999, the U.S. Court of Appeals reversed the FCC's establishment of a
6.5% productivity factor in calculating the annual price cap index applied to
our interstate access rates. The court directed the FCC to reconsider and
explain the methods used in selecting the productivity factor. The court granted
the FCC a stay of its order, however, until April 1, 2000. As a result, our
annual price cap filing effective July 1, 1999 includes the effects of the FCC's
6.5% productivity factor (see Operating Revenues - Network Access Services).

   The FCC has adopted rules for special access services that provide for added
pricing flexibility and ultimately the removal of services from price regulation
when certain competitive thresholds are met. The order also allows certain
services, including those included in the interexchange basket of services, to
be removed from price regulation immediately. In response, we have filed to
remove services in the interexchange basket from regulation, effective October
22, 1999. This will remove services with approximately $1,300,000 in annual
revenues from price regulation and from the operation of the productivity offset
which otherwise would require annual price reductions.

   Universal Service

   On July 30, 1999, the U.S. Court of Appeals reversed certain aspects of the
FCC's universal service order. The universal service fund includes a multi-
billion dollar interstate fund to link schools and libraries to the Internet and
to subsidize low income consumers and rural healthcare providers. Previously,
under the FCC's rules, all providers of interstate telecommunications services
had to contribute to the schools and libraries fund based on their total
interstate and intrastate retail revenues. The court reversed the decision to
include intrastate revenues as part of the basis for assessing contributions to
that fund. As a result of this decision, our contributions to the universal
service fund will be reduced by approximately $2,100,000 annually beginning on
November 1, 1999, and our interstate access rates will be reduced accordingly.

Telecommunications Act of 1996

   Unbundling of Network Elements

   The FCC recently announced its decision setting forth new unbundling
requirements. The FCC had previously identified seven elements that had to be
provided to competitors on an unbundled basis. With respect to those seven
elements, the FCC concluded that incumbent local exchange carriers, such as us,
do not have to provide unbundled switching (or combinations of elements that
include switching, such as the so-called unbundled element "platform") under
certain circumstances to business customers with four or more

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                       Bell Atlantic - West Virginia, Inc.

lines in certain offices in the top 50 Metropolitan Statistical Areas (MSAs). It
also held that incumbents do not have to provide unbundled access to their
directory assistance or operator services. The remaining elements on the FCC's
original list still must be provided.

   With respect to new elements, the FCC concluded that new equipment to
provide advanced services such as ADSL does not have to be unbundled. On the
other hand, the FCC concluded that incumbents must provide dark fiber as an
unbundled element, and that sub-loop unbundling should be provided. Finally, the
FCC ruled that combinations of loops and transport, known as enhanced extended
loops or "EELs," must be made available under certain circumstances, but left to
a further rulemaking certain issues relating to the use of EELs to substitute
for special access services.

   Reciprocal Compensation

   We have been required by our state regulators to pay "reciprocal
compensation" to competitive local exchange and other carriers to terminate
calls on their networks, including a large volume of one-way traffic from our
customers to Internet service providers that are their customers. In February
1999, the FCC confirmed that such traffic is largely interstate but concluded
that it would not interfere with state regulatory decisions requiring payment of
reciprocal compensation for such traffic and that carriers are bound by their
existing interconnection agreements. The FCC tentatively concluded that future
compensation arrangements for calls to Internet service providers should be
negotiated by carriers and arbitrated, if necessary, before the state
commissions under the terms of the Telecommunications Act of 1996 (1996 Act).
The FCC has initiated a proceeding to consider, alternatively, the adoption of
federal rules to govern future inter-carrier compensation arrangements for this
traffic. We have asked the U.S. Court of Appeals to review the FCC's decision
that state commissions may require payment of reciprocal compensation for this
traffic. The West Virginia Public Service Commission has issued a favorable
decision on reciprocal compensation for Internet-bound traffic.

Recent Accounting Pronouncement - Derivatives and Hedging Activities

   In June 1998, the Financial Accounting Standards Board (FASB) issued
Statement of Financial Accounting Standards (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 the derivative
instruments will be recognized in either earnings or comprehensive income,
depending on the designated use and effectiveness of the instruments. The FASB
amended this pronouncement in June 1999 to defer the effective date of SFAS No.
133 for one year.

   Under the amended pronouncement, we must adopt SFAS No. 133 no later than
January 1, 2001. The adoption of SFAS No. 133 will have no material effect on
our results of operations or financial condition because we currently do not
enter into the use of derivative instruments or participate in hedging
activities.

Year "2000" Update

   Bell Atlantic is now in the final stages of its program to evaluate and
address the impact of the Year 2000 date transition on its subsidiaries'
operations, including our operations. This program has included steps to:

   .  inventory and assess for Year 2000 compliance our equipment, software and
      systems;

   .  determine whether to remediate, replace or retire noncompliant items, and
      establish a plan to accomplish these steps;

   .  remediate, replace or retire the items;

   .  test the items, where required; and

   .  provide management with reporting and issues management to support a
      seamless transition to the Year 2000.

State of Readiness

   For Bell Atlantic's operating telephone subsidiaries, centralized services
   entities and general corporate operations, the program has focused on the
   following project groups: Network Elements, Applications and Support Systems,
   and Information Technology Infrastructure. Bell Atlantic's goal for these
   operations was to have its network and other mission critical systems Year
   2000 compliant (including testing) by June 30, 1999 and it substantially met
   this goal. What follows is a more detailed breakdown of Bell Atlantic's
   efforts to date.

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                       Bell Atlantic - West Virginia, Inc.

 .  Network Elements

   Approximately 350 different types of network elements (such as central office
   switches) appear in over one hundred thousand instances. When combined in
   various ways and using network application systems, these elements are the
   building blocks of customer services and networked information transmission
   of all kinds. Bell Atlantic originally assessed approximately 70% of these
   element types, representing over 90% of all deployed network elements, as
   Year 2000 compliant. As of November 1, 1999, Bell Atlantic has completed the
   required repair/replacement for virtually all network elements requiring
   remediation.

 .  Application and Support Systems

   Bell Atlantic has approximately 1,200 application and systems that support:
   (i) the administration and maintenance of its network and customer service
   functions (network information systems); (ii) customer care and billing
   functions; and (iii) human resources, finance and general corporate
   functions. Bell Atlantic originally assessed approximately 48% of these
   application and support systems as either compliant or to be retired. As of
   November 1, 1999, Bell Atlantic has successfully completed the required
   repair/replacement of virtually all mission critical application and support
   systems.

 .  Information Technology Infrastructure

   Approximately 40 mainframe, 1,000 mid-range, and 90,000 personal computers,
   related network components, and software products comprise Bell Atlantic's
   information technology (IT) infrastructure. Of the approximately 1,350 unique
   types of elements in the inventory for the IT infrastructure, Bell Atlantic
   originally assessed approximately 73% as compliant or to be retired. As
   previously reported, Bell Atlantic has successfully completed
   remediation/replacement of all mission critical elements earlier this year.

   Bell Atlantic's project to remediate/replace or retire mission critical
systems supporting buildings and other facilities used by its operating
telephone subsidiaries, such as HVAC, access control and alarm systems, is now
complete and its efforts to remediate/replace or retire any other Bell Atlantic
mission critical system used by those subsidiaries is virtually complete.
Remediation/replacement or retirement of non-mission critical systems, where
applicable, and supplemental testing and verification/correction activities, for
both mission critical and non-mission critical systems, are likely to continue
throughout the balance of 1999.

Third Party Issues

 .  Vendors

   In general, Bell Atlantic's product vendors have made available either Year
   2000-compliant versions of their offerings or new compliant products as
   replacements of discontinued offerings. The compliance status of a given
   product is typically determined using multiple sources of information,
   including Bell Atlantic's own internal testing and analysis. However, in some
   instances certification is based on detailed test results or similar
   information provided by the product vendor and analysis by Bell Atlantic or
   contractors specializing in this type of review. Bell Atlantic is also
   continuing Year 2000-related discussions with utilities and similar services
   providers. Although Bell Atlantic has received assurances and other
   information suggesting that substantially all of its primary services
   providers have completed or are well along in their respective Year 2000
   projects, Bell Atlantic does not usually have sufficient access to or control
   over the providers' systems and equipment to undertake verification efforts
   as to such systems and equipment, and as a general matter, it would be
   impractical to do so. Bell Atlantic has also participated in interoperability
   testing of various mission critical network elements, purchased from a number
   of vendors, through the Telco Year 2000 Forum, an industry group comprised of
   leading local telecommunications services companies. Bell Atlantic intends to
   monitor critical service provider activities, as appropriate, through the
   remainder of 1999.

 .  Customers

   Bell Atlantic's customers remain keenly interested in the progress of its
   Year 2000 efforts, and it anticipates increased demand for information,
   including detailed testing data and company-specific responses. Bell Atlantic
   is providing limited warranties of Year 2000 compliance for certain new
   telecommunications services and other offerings, but it does not expect any
   resulting warranty costs to be material.

 .  Interconnecting Carriers

   Bell Atlantic's network operations interconnect with domestic and
   international networks of other carriers. If one of these interconnecting
   carrier networks should fail or suffer adverse impact from a Year 2000
   problem, Bell Atlantic's customers could experience impairment of service.
   Bell Atlantic has participated in various internetworking testing

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                       Bell Atlantic - West Virginia, Inc.

   efforts, as a member of the Association for Telecommunications Industry
   Solutions (ATIS), the Cellular Telecommunications Industry Association (CTIA)
   and the International Telecommunications Union (ITU). Bell Atlantic intends
   to monitor the activities of the primary interconnecting carriers through the
   remainder of 1999.

Costs

   From the inception of Bell Atlantic's Year 2000 project through September 30,
1999, and based on the cost tracking methods it has historically applied to this
project, Bell Atlantic has incurred total pre-tax expenses of approximately $211
million, and it has made capital expenditures of approximately $153 million. For
1999, Bell Atlantic expects total pre-tax expenses for its Year 2000 project not
to exceed $125 million (approximately $89 million has been incurred through
September 30, 1999) and total capital expenditures not to exceed $100 million
(approximately $73 million has been made through September 30, 1999). Bell
Atlantic anticipates that the balance of the costs incurred for 1999 will be
primarily attributable to additional testing and verification/correction,
rollover transition management, contingency planning and repair/replacement of
non-mission critical systems. These cost estimates should not be used as the
sole gauge of progress on its Year 2000 project or as an indication of its Year
2000 readiness.

Risks

   The failure to correct a material Year 2000 problem could cause an
interruption or failure of certain of Bell Atlantic's normal business functions
or operations, which could have a material adverse effect on its results of
operations, liquidity or financial condition; however, it considers such a
development remote. Due to the uncertainty inherent in other Year 2000 issues
that are ultimately beyond Bell Atlantic's control, including, for example, the
final Year 2000 readiness of its suppliers, customers, interconnecting carriers,
and joint venture and investment interests, it is unable to determine at this
time the likelihood of a material impact on its results of operations, liquidity
or financial condition due to such Year 2000 issues. However, Bell Atlantic is
taking appropriate prudent measures to mitigate that risk. Bell Atlantic
anticipates that, in the event of material interruption or failure of its
service resulting from an actual or perceived Year 2000 problem within or beyond
its control, it could be subject to third party claims.

Contingency Plans

   As a public telecommunications carrier, Bell Atlantic has had considerable
experience successfully dealing with natural disasters and other events
requiring contingency planning and execution. Bell Atlantic's Year 2000
contingency plans are built upon its existing Emergency Preparedness and
Disaster Recovery plans.

   Bell Atlantic will continue to fine-tune and test its corporate Year 2000
contingency plans to help ensure that core business functions and key support
processes will continue to function without material disruption, in the event of
external (e.g. power, public transportation, water), internal or supply chain
failures (i.e. critical dependencies on another entity for information, data or
services). Bell Atlantic's individual business unit contingency plans for Year
2000 are being integrated and coordinated under an enterprise wide command and
control structure.

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                       Bell Atlantic - West Virginia, Inc.

                           PART II - OTHER INFORMATION

Item 6.  Exhibits and Reports on Form 8-K


         (a)   Exhibits:

               Exhibit Number

               27   Financial Data Schedule.


         (b)   There were no Current Reports on Form 8-K filed during the
               quarter ended September 30, 1999.

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                       Bell Atlantic - 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.



                                       BELL ATLANTIC - WEST VIRGINIA, INC.




Date:  November 10, 1999               By  /s/ Edwin F. Hall
                                         ---------------------------------------
                                               Edwin F. Hall
                                               Principal Financial Officer
                                               and Controller



     UNLESS OTHERWISE INDICATED, ALL INFORMATION IS AS OF NOVEMBER 5, 1999.


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