SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 10-Q
                                ----------------
(MARK ONE)

|X|      QUARTERLY REPORT UNDER SECTION 13 OR 15 (D)
         OF THE SECURITIES EXCHANGE ACT OF 1934

         For the quarterly period ended March 31, 2000

         OR

|_|      TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D)
         OF THE SECURITIES EXCHANGE ACT OF 1934

         Commission File Number:  O-13653


                       THE PEOPLES BANCTRUST COMPANY, INC.
                       -----------------------------------
             (Exact name of registrant as specified on its charter)

           Alabama                                              63-0896239
------------------------------------                         ----------------
(State or other jurisdiction of                              (I.R.S. Employer
incorporation or organization)                              Identification No.)

310 Broad Street, Selma, Alabama                                   36701
-------------------------------------------------             --------------
(Address of principal executive offices)                         (Zip Code)

                                 (334) 875-1000
             -----------------------------------------------------
              (Registrant's telephone number, including area code)

     Indicate by a check mark whether the  registrant  (1) has filed all reports
required to be filed by Section 13 of 15(d) of the  Securities  Exchange  Act of
1934  during the  preceding  12 months (or such  shorter  time  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

     As of the  close  of  business  on May 5,  2000,  5,148,138  shares  of the
registrant's Common Stock, par value $.10 per share, were outstanding.
<PAGE>
                         PART I - FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS

               THE PEOPLES BANCTRUST COMPANY, INC., SELMA, ALABAMA
                      CONDENSED CONSOLIDATED BALANCE SHEETS

                                                       In Thousands
                                               March 31, 2000  December 31, 1999
                                               --------------  -----------------
                                                 (Unaudited)
ASSETS:

Cash and due from banks                          $  22,185      $  39,809
Federal funds sold and securities
    purchased under agreement to resell              3,959          4,663
                                                 ---------      ---------
Total cash and cash equivalents                     26,144         44,472

Securities available-for-sale                      118,043        119,559

Loans, net of unearned discount                    430,700        436,732
Allowance                                           (5,281)        (5,333)
                                                 ---------      ---------
Net loans                                          425,419        431,399

Bank Premises and equipment, net                    13,853         13,880
Intangible assets                                    8,805          8,997
Other real estate, net                                 959            876
Other assets                                        10,970         10,160
                                                 ---------      ---------
Total assets                                     $ 604,193      $ 629,343
                                                 =========      =========

LIABILITIES AND STOCKHOLDERS' EQUITY:
Noninterest-bearing deposits                     $  67,153      $  68,056
Interest-bearing deposits                          423,754        421,285
                                                 ---------      ---------
Total deposits                                     490,907        489,341

Federal funds purchased and securities sold
    under agreements to repurchase                   6,715         34,789
Other borrowed funds                                41,474         42,104
Other liabilites                                     6,908          5,204
                                                 ---------      ---------
Total liabilities                                  546,004        571,438

Common stock                                           515            515
Additional paid-in-capital                           5,651          5,651
Accumulated other comprehensive income,
    net of tax                                      (2,307)        (1,647)
Retained earnings                                   54,330         53,386
                                                 ---------      ---------
Total stockholders' equity                          58,189         57,905
                                                 ---------      ---------
Total liabilities and stockholders' equity       $ 604,193      $ 629,343
                                                 =========      =========

     See Notes to the Unaudited Condensed Consolidated Financial Statements

                                       1
<PAGE>
               THE PEOPLES BANCTRUST COMPANY, INC., SELMA, ALABAMA
                   CONDENSED CONSOLIDATED STATEMENTS OF INCOME

                                   In Thousands, except share and per share data
                                                     (Unaudited)
                                             Three Months Ended March 31
                                   ---------------------------------------------
Income Statement                              2000               1999
                                              ----               ----

Interest and fees on loans                  $    10,110      $     8,184

Interest and dividends on investment
   securities                                     1,816            2,004
Other interest income                               115              199
                                            -----------      -----------
Total interest income                            12,041           10,387

Interest on deposits                              4,555            3,952
Interest on borrowed funds                          729              421
                                            -----------      -----------
Total interest expense                            5,284            4,373
                                            -----------      -----------
Net interest income                               6,757            6,014

Provision for loans losses                          716              732
                                            -----------      -----------
Net interest income after provision for
    loan losses                                   6,041            5,282

Net securities (losses) gains                       (24)              40
Other income                                      1,812            1,557
Other expense                                     5,694            5,349
                                            -----------      -----------
Income before income taxes                        2,135            1,530

Provision for income taxes                          728              484
                                            -----------      -----------
Net income                                  $     1,407      $     1,046
                                            ===========      ===========

Basic weighted average number of shares       5,148,138        5,148,138

Diluted weighted average number of shares     5,149,796        5,152,130

Basic net income per share                  $      0.27      $      0.20
Diluted net income per share                $      0.27      $      0.20
Dividends per share                         $      0.09      $     0.085

  See Notes to the Unaudited Condensed Consolidated Financial Statements.

                                       2
<PAGE>
               THE PEOPLES BANCTRUST COMPANY, INC., SELMA, ALABAMA
            CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

                                                              In Thousands
                                                               (Unaudited)
                                                           Three Months Ended
                                                                March 31,
                                                          ---------------------
                                                            2000          1999
                                                            ----          ----

Net income                                                 $ 1,408      $ 1,046
Other comprehensive income:
  Unrealized  losses on available-for-sale
       securities during the period                         (1,024)      (1,104)
    Less: reclassification adjustment for net
      (losses) gains included in net income                    (24)          40
                                                           -------      -------
Other comprehensive losses                                  (1,000)      (1,144)
Income tax benefit related to items of other
       comprehensive losses                                   (340)        (389)
                                                           -------      -------
Other comprehensive losses, net of tax                        (660)        (755)
                                                           -------      -------
Comprehensive income, net of tax                           $   748      $   291
                                                           =======      =======

  See Notes to the Unaudited Condensed Consolidated Financial Statements

               THE PEOPLES BANCTRUST COMPANY, INC., SELMA, ALABAMA
                 CONDENSED CONSOLIDATED STATEMENT OF CASH FLOWS

                                                           In Thousands
                                                            (Unaudited)
                                                    Three Months Ended March 31,
                                                    ----------------------------
                                                           2000         1999
                                                           ----         ----

Net cash provided  by operating activities               $  3,427    $  3,877

Cash flows from investing activities
  Proceeds from sales of securities available-for-sale      3,823       8,723
  Proceeds from maturities and calls of securities
       available for sale                                   1,804      12,450
  Purchase of securities available for sale                (5,308)    (22,467)
  Net decrease (increase) in loans                          6,032      (6,917)
  Purchases of bank premises and equipment                   (709)     (1,608)
   Proceeds from sale of bank premises and equipment            0         228
   Investment in other real estate and equipment                0         (22)
  Proceeds from sale of other real estate owned               204           0
   Acquisition of bank, net of cash received                    0           0
                                                         --------    --------

     Net cash provided (used) by investing activities       5,846      (9,613)

Cash flows from financing activities
  Net increase (decrease) in deposits                       1,566         (69)
  Net increase in borrowed funds                          (28,704)      3,963
  Dividends paid                                             (463)       (439)
                                                         --------    --------

     Net cash (used in) provided by financing activities  (27,601)      3,455

Net decrease in cash and cash equivalents                 (18,328)     (2,281)
Cash and cash equivalents at beginning of period           44,472      36,267
                                                         --------    --------
Cash and cash equivalents at end of period               $ 26,144    $ 33,986

     See Notes to the Unaudited Condensed Consolidated Financial Statements

                                       3
<PAGE>
               THE PEOPLES BANCTRUST COMPANY, INC. AND SUBSIDIARY

Notes to the Unaudited Condensed Consolidated Financial Statements (Unaudited)

Accounting Policies:

     The accompanying unaudited consolidated financial statements of The Peoples
BancTrust Company, Inc, (the "Company") and its subsidiary, The Peoples Bank and
Trust Company ("Peoples Bank"),  have been prepared in accordance with generally
accepted accounting principles for interim information and with the instructions
to Form 10-Q and Article 10 of Regulation S-X. Accordingly,  they do not include
all of the information and footnotes required by generally  accepted  accounting
principles for complete financial statements. In the opinion of management,  all
adjustments (consisting of normal recurring accruals) considered necessary for a
fair  presentation  have  been  included.  The  results  of  operations  are not
necessarily  indicative  of the results of  operations  for the full year or any
other  interim  periods.  For  further  information  refer  to the  consolidated
financial  statements  and footnotes  thereto  included in the Company's  Annual
Report on Form 10-K for the year-ended December 31, 1999.

Commitments and Contingencies:

     The Company and its  subsidiaries are from time to time defendants in legal
actions arising from normal business activities.  Management does not anticipate
that the ultimate  liability  arising from  litigation  outstanding at March 31,
2000,  will  have  a  materially  adverse  effect  on  the  Company's  financial
statements.

Derivatives and Hedging Activities:

In June 1998, the Financial Accounting Standards Board ("FASB") issued Statement
of Financial Accounting Standards No. 133, Accounting for Derivative Instruments
and Hedging Activities ("SFAS 133"). SFAS 133, effective for all fiscal quarters
of fiscal  years  beginning  after June 15,  1999,  establishes  accounting  and
reporting for derivative  instruments,  including certain derivative instruments
embedded  in  other  contracts,  by  requiring  that  an  entity  recognize  all
derivatives  as either  assets or  liabilities  in the  statement  of  financial
position and measure those  instruments at fair value.  It also  establishes the
condition  under which a derivative  should be  designated as hedging a specific
type of exposure and  requires the company to establish at the  inception of the
hedge the method and measurement approach used to assess its effectiveness.

SFAS 133 as amended by SFAS 137, is effective for all fiscal  quarters of fiscal
years  beginning  after June 15, 2000. The Company does not believe the adoption
of SFAS 133 will have a  significant  impact  on its  financial  statements  and
disclosures, as it does not currently possess any derivative instruments.

                                       4
<PAGE>

Earnings Per Share:

     The  following  table  reflects the  reconciliation  of the  numerator  and
denominator of the basic EPS  computation to the diluted EPS computation for the
three months ended March 31, 2000 and 1999:

                                                          2000

                                                 Qtr              Qtr
                                                 ---              ---
                                                Basic           Diluted

Net income                                    $  1,407       $   1,407
Average shares outstanding                       5,148           5,148
Effect of dilutive securities
     Stock options                                                   2
                                              -----------    --------------
Diluted average shares outstanding               5,148           5,150
Earnings per share:
   Net income                                 $   0.27       $    0.27



                                                          1999

                                                 Qtr              Qtr
                                                 ---              ---

Net income                                    $  1,046       $   1,046
Average shares outstanding                       5,148           5,148
Effect of dilutive securities
     Stock options                                                   4
                                              -----------    --------------
Diluted average shares outstanding               5,148           5,152
Earnings per share:
   Net income                                 $   0.20       $    0.20

                                       5
<PAGE>

ITEM 2. MANAGEMENT'S DISCUSSION AND ANALYSIS OF
        FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

                                     GENERAL

The  following  analysis  focuses  on the  financial  condition  of The  Peoples
BancTrust Company, Inc. (the "Company"),  and should be read in conjunction with
the consolidated financial statements included in this report.

Management's discussion and analysis includes certain forward-looking statements
addressing,  among other  things,  the Company's  prospects for earnings,  asset
growth and net interest margin.  Forward-looking  statements are accompanied by,
and  identified  with,  such  terms  as  "anticipates,"  "believes,"  "expects,"
"intends,"  and similar  phrases.  Management's  expectations  for the Company's
future necessarily  involve a number of assumptions and estimates.  Factors that
could cause  actual  results to differ from the  expectations  expressed  herein
include:  substantial  changes in  interest  rates and  changes  in the  general
economy,  as  well  as  changes  in the  Company's  strategies  for  credit-risk
management,   interest-rate   risk   management   and   investment   activities.
Accordingly, any forward-looking statements included herein do not purport to be
predictions of future events or circumstances and may not be realized.

                               FINANCIAL CONDITION

LOANS

Loans,  net of unearned  income,  decreased  $6,032,000  from  year-end  1999 to
$430,700,000  at March 31,  2000.  This  decrease  primarily  resulted  from the
repayment of several large,  short-term loans during the quarter ended March 31,
2000.

INVESTMENTS

Total investment  securities were  $118,043,000 at March 31, 2000 as compared to
$119,559,000 on December 31, 1999.  This  represents a $1,516,000  decrease from
December 31, 1999 to March 31, 2000.

At  year-end  1999 and March 31,  2000,  the  entire  investment  portfolio  was
classified   as   "available-for-sale",   resulting  in  the   portfolio   being
marked-to-market.  At December 31, 1999, the portfolio had a net unrealized loss
of  $1,647,000 as compared to a net  unrealized  loss of $2,307,000 at March 31,
2000.  This increase was primarily the result of rising  interest  rates,  which
caused  reductions in the market value of fixed rate bonds between  December 31,
1999 and March 31, 2000.

SHORT TERM INVESTMENTS

Federal  funds  sold  and  securities   purchased  under  agreements  to  resell
constitute the majority of short-term  investments.  These  investments are used
extensively in the Company's liquidity management. The utilization of short-term
investments  also  produces  interest  income on funds that might  otherwise not
produce earnings.  Management  monitors  short-term  investments  closely and is
always looking for alternatives for these funds.

Short-term  investments  totaled  $3,959,000  at March 31,  2000 as  compared to
$4,663,000 at December 31, 1999, a decrease of $704,000.

ALLOWANCE FOR LOAN LOSSES

Management's  estimate of the  uncollectable  loans  within the  Company's  loan
portfolio is  represented  by the allowance  for loan losses.  The allowance for
loan  losses  is  established  through  charges  to  earnings  in the  form of a
provision  for loan losses.  A loan is charged  against the  allowance  for loan
losses when management  determines that it is probable that the repayment of the
principal amount of a loan will not be made in accordance with the loan's terms.
Should a loan  that has been  charged  off be  recovered,  either  partially  or
entirely,  it is credited back to the  allowance.  Periodic  reviews of the loan
portfolio,  that  include  analysis  of such  factors  as current  and  expected
economic conditions, historical loss experience and levels of non-accruing loans
and  delinquencies,  determine  the

                                       6
<PAGE>

appropriate  level at which to maintain the allowance  for loan losses.  Because
the  allowance is based on  assumptions  and  subjective  judgements,  it is not
necessarily reflective of the charge-offs that may ultimately occur.

At March 31,  2000,  the  Company's  allowance  for loan losses had a balance of
$5,281,000  as compared to  $5,333,000  at December 31, 1999.  As a result,  the
ratio of the  allowance  to total loans net of unearned  interest  was 1.23% and
1.22% at March 31, 2000 and  December 31, 1999,  respectively.  Loans  requiring
special  attention  because of  potential  weaknesses  fell from  $8,180,000  at
December 31, 1999,  to  $7,322,000  at March 31, 2000.  As a percentage of total
loans net of unearned  interest,  non-accruing loans decreased to 0.41% at March
31,  2000,  as compared  to 0.65% at  December  31,  1999.  The  coverage of the
allowance to nonaccruing  loans was 298% and 188% at March 31, 2000 and December
31, 1999,  respectively.  The current level of allowance for loan losses exceeds
the minimum requirements set forth by regulatory authorities. It is management's
belief that, at its current  level,  the allowance for loan losses is sufficient
to absorb any potential losses in the Company's loan portfolio. DEPOSITS

At March 31, 2000, total deposits had increased  $1,566,000 to $490,907,000 from
a December 31, 1999 total of  $489,341,000.  Analysis of the decrease  indicates
that between December 31, 1999 and March 31, 2000 non-interest  bearing deposits
decreased $903,000, while interest-bearing deposits increased $2,469,000.

LIQUIDITY

Liquidity  describes  the  Company's  ability to meet its needs for cash.  Those
needs primarily include lending, withdrawal demands of customers and the payment
of operating  expenses.  The liability base provides  liquidity  through deposit
growth,  the rollover of maturing deposits and accessibility to external sources
of funds, ("Borrowed funds").

From time to time, the Company deploys  short-term  borrowed funds. At March 31,
2000,  short-term  borrowings  in  the  form  of  federal  funds  purchased  and
securities sold under agreement to repurchase totaled $6,715,000, as compared to
$34,789,000  at December  31,  1999.  This rather  significant  reduction in the
amount of  short-term  borrowings  is due to the Company  having  repaid  monies
borrowed  to fund  several  large,  short-term  loans  issued  to  customers  at
year-end,  as well as the repayment of funds  borrowed  related to the Company's
year 2000 contingency plan guidelines.

Other  borrowed funds  decreased  slightly to $41,474,000 at March 31, 2000 from
$42,104,000  at  December  31,  2000.  The  balance of other  borrowed  funds is
comprised  of  borrowings  from the  Federal  Home Loan Bank of  Atlanta to fund
various large commercial loans.

STOCKHOLDERS' EQUITY; REGULATORY CAPITAL

Total  stockholders'  equity  at March  31,  2000 was  $58,189,000  compared  to
$57,905,000 at year-end 1999. This increase in stockholders' equity is accounted
for  as  follows:   $1,408,000  year-to-date  earnings,  $463,000  common  stock
dividends and $660,000  additional  net  unrealized  loss on  available-for-sale
securities.  Risk-based capital  regulations  require all bank holding companies
and banks to achieve  and  maintain  a minimum  total  capital to  risk-weighted
assets  ratio of  8.00%,  at least  half of which  must be in the form of Tier 1
capital (consisting of stockholders' equity less goodwill).  The following table
indicates  the  Company's  Tier 1 capital ratio and total capital ratio at March
31, 2000 were 11.92% and 13.13%, respectively.  The Company maintained, at March
31, 2000, a leverage  ratio of Tier 1 capital to total assets of 8.67%  compared
to the minimum regulatory  standard of 4.00% required of the strongest companies
and banks.  In addition,  the table  indicates  that the ratios of the Company's
subsidiary bank also well exceed the minimum requirements of the regulation.

                                       7
<PAGE>
<TABLE>
<CAPTION>
                                                       Risk-Based Capital Ratios & Leverage Ratios
                                                                   As of March 31, 2000
                                                -----------------------------------------------------------

                                                                   Dollars in Thousands

RISK-BASED CAPITAL RATIOS
-------------------------
                                                        The Company                        Bank
                                                ----------------------------     --------------------------
<S>  <C>                                        <C>                  <C>         <C>               <C>
Tier 1 Capital                                  $    51,692          11.92%      $    51,814       12.00%
Tier 1 Capital - Minimum Required                    17,351           4.00%           17,275        4.00%
                                                -----------      ----------      -----------   ----------
Excess                                          $    34,341           7.92%      $    34,539        8.00%

Total Capital                                   $    56,973          13.13%      $    57,095       13.22%
Total Capital - Minimum Required                     34,702           8.00%           25,913        6.00%
                                                -----------      ----------      -----------   ----------
Excess                                          $    22,271           5.13%      $    31,182        7.22%

Net risk-weighted assets                        $   433,772                      $   431,881

LEVERAGE RATIOS
---------------
Total Tier 1 Capital                            $    51,692           8.67%      $    51,814        8.70%
Minimum Leverage Requirement                         23,851           4.00%           23,827        4.00%
                                                -----------      ----------      -----------   ----------
Excess                                          $    27,841           4.67%      $    27,987        4.70%

Average Total Assets,
      Net of all intangibles                    $   596,274                      $   595,684
</TABLE>
                                       8
<PAGE>
                              RESULTS OF OPERATIONS

THREE MONTHS ENDED MARCH 31, 2000, COMPARED TO THREE MONTHS ENDED MARCH 31, 1999

The  Company's  profitability,  like  that of many  financial  institutions,  is
dependent to a large extent upon its net interest  income.  Simply  stated,  net
interest income is the difference  between  interest income on  interest-earning
assets, such as loans and investments,  and interest expense on interest bearing
liabilities, such as deposits and borrowings.

Interest  income  for  the  first  quarter  of 2000  (the  "2000  quarter")  was
$12,041,000  compared  to  $10,387,000  for the same  quarter of 1999 (the "1999
quarter").  This  increase of $1,654,000 is mainly the result of a higher volume
of interest earning assets, but is also the result of higher yields being earned
on these assets.

The  average  volume  of  the  Company's   securities   portfolio  decreased  to
$116,932,000  for the 2000  quarter  from  $137,757,000  for the  1999  quarter.
Interest  income on  investments  totaled  $1,816,000  for the 2000  quarter  as
compared to $2,004,000  for the same period in 1999. The decrease in income from
investment  securities is primarily due to the aforementioned  volume reduction,
given that the average  yield earned on these  securities  rose between the 1999
and 2000 quarters from 5.82% to 6.18%, respectively.

Interest  income from business  loans totaled  $2,587,000  for the 2000 quarter,
compared to $2,049,000  for the 1999  quarter.  This increase is the result of a
rise in both the average  volume of, and yield earned on business  loans between
the 1999 and 2000  quarters.  The average  volume of business loans for the 2000
and 1999 quarters was $117,874,000 and  $96,945,000,  respectively.  The average
yield  earned on  business  loans for the 2000 and 1999  quarters  was 8.83% and
8.50%, respectively.

Personal loan interest income  decreased to $2,765,000 for the 2000 quarter from
$2,948,000 for the same period in 1999. A lower average volume of personal loans
for the 2000 quarter when compared to the 1999 quarter is the primary reason for
this reduction, given that the average yield on these loans rose between the two
periods. The average volume of personal loans for the 2000 and 1999 quarters was
$96,982,000 and $106,515,000, respectively. The average yield earned on personal
loans for the 2000 and 1999 quarters was 11.47% and 11.13%, respectively.

Interest  income  earned on real estate loans  totaled  $4,506,000  for the 2000
quarter as  compared  to  $2,954,000  for the 1999  quarter.  This  increase  is
primarily the result of a  significantly  higher  average  volume of real estate
loans  between the two  quarters,  given that the average  yield earned on these
loans was  slightly  lower in the 2000  quarter  than in the 1999  quarter.  The
average  volume  of real  estate  loans  for the  2000  and  1999  quarters  was
$205,447,000 and  $133,854,000,  respectively.  The average yield earned on real
estate loans for the 2000 and 1999 quarters was 8.82% and 8.88%, respectively.

Interest paid on deposits for the 2000 quarter  totaled  $4,555,000  compared to
$3,952,000  for the 1999  quarter.  This  increase  is due to a rise in both the
average volume and average cost of  interest-bearing  deposits  between the 1999
and 2000 quarters. The average volume of interest-bearing  deposits for the 2000
and 1999 quarters was $431,513,000 and $393,883,000,  respectively.  The average
cost of  interest-bearing  deposits for the 2000 and 1999 quarters was 4.25% and
4.03%, respectively.

Other non-interest income for the 2000 quarter totaled $1,812,000 as compared to
$1,557,000 for the same period in 1999. This increase is mainly  attributable to
higher fee and commission  income generated in the 2000 quarter by the Company's
brokerage,  accounts  receivable  management and real estate secondary  mortgage
operations, than was generated in the 1999 quarter.

Non-interest expenses increased $345,000 to $5,694,000 for the 2000 quarter from
$5,349,000 for the 1999 quarter. This increase is mainly due to the operation of
two  additional  offices,  and the  personnel to staff them, in the 2000 quarter
versus the 1999 quarter.

Income before taxes for the 2000 quarter was $2,135,000,  compared to $1,530,000
for the same period in 1999.  Consequently,  the income tax provision  increased
between the two quarters by $244,000 to $728,000. The resulting

                                       9
<PAGE>

2000  quarter  net income was  $1,407,000,  compared  to net income for the 1999
quarter of $1,046,000. Diluted earnings per share for the 2000 and 1999 quarters
was $.27 and $.20 respectively.

ITEM 3.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Interest  sensitivity is one measure of the vulnerability of earnings to changes
in the general level of interest rates. Whenever interest-earning assets reprice
to market interest rates at a different pace than interest-bearing  liabilities,
interest income  performance  will be affected  favorably or unfavorably  during
periods of changes in general  interest  rates.  Management is unable to predict
future changes in market rates and their impact on the Company's  profitability.
Management  believes,  however,  that the  Company's  current  rate  sensitivity
position is well matched,  indicating  the  assumption of minimal  interest rate
risk.  Management  does not believe there to have been any material shift in the
relationship  between the maturity  characteristics of interest-earning  assets,
and interest-bearing liabilities since December 31, 1999, and, consequently,  no
material change in interest rate risk exposure.

                           PART II - OTHER INFORMATION

ITEM 6.  EXHIBITS AND REPORTS ON FORM 8-K

(a)      Exhibits
         Exhibit 27 - Financial Data Schedule (SEC use only)

(b)      Not applicable.

                                       10
<PAGE>
                                   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.

                                            The Peoples BancTrust Company, Inc.


Date:   May 14, 2000                        /s/: Richard P. Morthland
                                            -------------------------
                                            Richard P. Morthland
                                            Chairman and Chief Executive Officer

Date:   May 14, 2000                        /s/: Andrew C. Bearden, Jr.
                                            ----------------------------
                                            Andrew C. Bearden, Jr
                                            Executive Vice President and
                                            Chief Financial Officer

Date:   May 14, 2000                        /s/: Thomas P. Wilbourne
                                            ----------------------------
                                            Thomas P. Wilbourne
                                            Assistant Treasurer
                                            (Principal Accounting Officer)