<PAGE>



                         UNITED STATES
               SECURITIES AND EXCHANGE COMMISSION
                    WASHINGTON, D. C.  20549
                           FORM 10-K
      Annual Report Pursuant to Section 13 or 15(d) of the
                Securities Exchange Act of 1934

For the fiscal year ended December 31, 1999

Commission file number 0-18676

           COMMERCIAL NATIONAL FINANCIAL CORPORATION
     (Exact name of registrant as specified in its charter)

    PENNSYLVANIA                              25-1623213
(State or other jurisdiction       (I.R.S.  Employer Identification No.)
 of incorporation or organization)

900  LIGONIER STREET, LATROBE, PA                     15650

(Address of principal executive offices)            (Zip Code)

Registrant's telephone number, including area code: (724)539-3501

Securities registered pursuant to Section 12(b) of the Act:
TITLE OF EACH CLASS            NAME OF EACH EXCHANGE ON WHICH REGISTERED
                       NONE

Securities registered pursuant to Section 12(g) of the Act:

TITLE OF CLASS

COMMON STOCK, $2 PAR VALUE

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

Indicate  by  check  mark  if  disclosure  of  delinquent  filers
pursuant  to Item 405 of Regulation S-K is not contained  herein,
and will not be contained, to the best of registrant's knowledge,
in  definitive  proxy or information statements  incorporated  by
reference in Part III of this Form 10-K or any amendment to  this
Form 10-K. (x)

Aggregate market value of common stock held by
non-affiliates of registrant based on closing sale price
based on the NASDAQ National Market System on March 17, 2000.       $33,003,082

Number of shares of common stock outstanding at March 17, 2000.       3,527,568

              DOCUMENTS INCORPORATED BY REFERENCE
   Portions of the registrant's Annual Report to shareholders for
the  fiscal  year  ended December 31, 1999  are  incorporated  by
reference  into Parts I, II, and IV of this report.  Portions  of
the  definitive Proxy Statement related to the annual meeting  of
shareholders  to  be  held  April 18, 2000  are  incorporated  by
reference into Part III.

<PAGE>

           Commercial National Financial Corporation

                           Form 10-K

                             INDEX

Part I
                                                                  PAGE

ITEM 1.   Business
          Description of business................................   3
          Competition............................................   4
          Supervision and regulation.............................   4
          Effects of Governmental Policies.......................   4
          Consolidated Financial and Statistical Profile.........   5

ITEM 2.   Properties.............................................   9

ITEM 3.   Legal Proceedings......................................   9

ITEM 4.   Submission of Matters to a Vote of Security Holders....   9
          Executive Officers of the Registrant...................  10

PART II

ITEM 5.  Market for Registrant's Common Stock and Related
         Security Holder Matters.................................  11
ITEM 6.  Selected Financial Data.................................  11
ITEM 7.  Management's Discussion and Analysis of Financial
         Condition and Results of Operations.....................  11
ITEM 8.  Financial Statements and Supplementary Data.............  11
ITEM 9.  Disagreements on Accounting and Financial Disclosures...  11

PART III

ITEM 10. Directors and Executive Officers of the Registrant......  12
ITEM 11. Executive Compensation..................................  12
ITEM 12. Security Ownership of Certain Beneficial Owners and
         Management..............................................  12
ITEM 13. Certain Relationships and Related Transactions..........  12

PART IV
ITEM 14. Exhibits, Financial Statement Schedules and Reports
         on Form 8-K.............................................. 13


<PAGE>

Part I

Item 1.  BUSINESS

Description of Business
-----------------------
     The   Commercial   National   Financial   Corporation   (the
corporation)  was  incorporated   under  the  laws    of    the
Commonwealth of Pennsylvania on July 1, 1990 and is registered as
a bank holding company under the Bank Holding Company Act of 1956
as  amended.  The corporation is owner of 100% of the outstanding
shares  of  common  stock   of   Commercial   National   Bank  of
Pennsylvania.  This  subsidiary  bank  and  its  predecessor
have  been providing banking services since 1934. At the  present
time, two (2) banking offices are in operation in Latrobe, two(2)
in  Unity  Township  and one (1) each in Ligonier,  West  Newton,
Greensburg,  Murrysville and Hempfield Township. The  Murrysville
office   began   operations  in  July  of    1996.  An   asset
management/trust  department  was  established  in  1994  and  is
located  in  the  building  that houses  the  Greensburg  banking
office.   All  of  these  offices are within  the  boundaries  of
Westmoreland  County,  Pennsylvania.  In addition,  the  building
which  houses the downtown Latrobe banking office is the location
of  the corporation's and the bank's executive and administrative
offices.  The institution's operations center is located  at  the
Latrobe  Plaza in downtown Latrobe.  This operations center  also
houses  an in-house data processing system.  In November of 1997,
conversion of  the former Plaza  Hotel building officially became
our new corporate  office  center. The new center  has eliminated
over-crowded work offices, organized work groups and provides space
for growth. Each of  the  banking  offices, except  for  downtown
Latrobe and Greensburg, is  equipped  with twenty-four-hour-a-day
automatic teller machines and one (1) additional  ATM  unit  each
is located on  the  campus  of  Saint Vincent  College  in  Unity
Township,  the  terminal   of   the Westmoreland  County  Airport
in  Unity  Township  and in  the reception  lobby of  the Latrobe
Area Hospital in Latrobe, an in-store machine in each the Norvelt
Open Pantry and New Alexandria Qwik Mart and the lobby of the
Kirk S. Nevin Arena located in Greensburg. A separate freestanding
drive-up teller  staffed  banking  facility  is  attached to  our
Lincoln Road office in downtown  Latrobe.  This facility also
provides ATM service.

The corporation's business activities involve holding the stock
of it subsidiary bank and Commercial National Investment
Corporation, which is a 50% owner of Commercial National Insurance
Services together with the Gooder Agency, Inc., of Ligonier.
Commercial National Insurance Services offers a full array of
insurance products and services to consumer and commercial markets
surrounding the Ligonier area.

The  subsidiary bank offers the full range of banking services
normally associated with the general commercial banking business.
Services  include  extending credit, providing deposit  services,
marketing   non-deposit   investments  and   offering   financial
counseling.   The ATM system described earlier is a part  of  the
MAC and Cirrus networks which permits the bank's customers access
to an extensive regional and national network. The bank  also has
implemented  a  comprehensive  electronic  online banking  system.
By using a personal computer with internet access, customers can
access their Commercial National  Bank  accounts,  perform common
banking tasks and pay bills 24 hours a day, seven days a week, 365
days a year.  During 1997,  the  Commercial  National Check  Card
was introduced. The card can be used by customers at ATMs and have
funds drawn electronically for purchases from merchants displaying
a Mastercard or MAC symbol.


<PAGE>


Competition
-----------
Throughout  the  subsidiary bank's service  area,  substantial
competition  exists  for both deposit  and  loan  products.  The
competitors range from branches of major Cleveland Ohio, Indiana,
Pittsburgh  and Johnstown Pennsylvania  based  banks,  several
independent  banks headquartered  in   Westmoreland   County,  a
variety  of thrift institutions  and  a number of credit unions.
Even though some portions of the thrift industry have experienced
fairly extensive restructuring, the level of competitive activity
in  our service area remains strong. Competition for certificates
of deposit and money  market  deposits remains vigorous  with the
representatives of  insurance  companies and  securities  brokers
soliciting  customers   in   our  market  area.   In  addition,
out-of-area institutions including retailers continue to solicit
business for credit cards, residential mortgages and automobile
financing.


Supervision and Regulation
--------------------------
As a result of the establishment of the holding company format,
the  holding company and the subsidiaries are subject  to  the
supervision  of  the  following regulatory bodies:   The  Federal
Reserve Board, the Office of the Comptroller of the Currency, the
Securities   and   Exchange  Commission,  the   Commonwealth   of
Pennsylvania  Department  of  Banking  and  the  Federal  Deposit
Insurance Corporation.  The nature of the supervision extends  to
such  areas as safety and soundness, truth-in-lending,  truth-in-
savings, rate restrictions, consumer protection, permissible loan
and  securities  activities, merger and acquisition  limitations,
reserve   requirements,   dividend   payments   and   regulations
concerning   activities  by  corporate  officers  and  directors.
The Federal Reserve Board monitors holding company activity while
the Office of the Comptroller of the Currency is the corporation's
primary  banking regulator.   No  restrictions or actions  are
currently  pending against the corporation or the bank.

Effects of Governmental Policies
--------------------------------
In addition to the regulatory requirements, the corporation and
its  subsidiaries  are affected by the national economy and the
influence on that economy exerted by governmental bodies  through
monetary and fiscal policies and their efforts to implement  such
policies.    In  particular,  the  impact  of  the  open   market
operations  on  interest  rates,  the  establishment  of  reserve
requirements  and the setting of the discount rate will  continue
to affect business volumes and earnings.  The exact nature or the
full  extent  of  this  impact is almost impossible  to  predict;
however,  management continues to monitor these activities  on  a
regular  basis  and seeks to modify its policies  and  procedures
accordingly.

<PAGE>

         CONSOLIDATED FINANCIAL AND STATISTICAL PROFILE

The  data presented on the following pages provides additional
information  to  assist  in reviewing the corporation's  business
activities and must be read with the understanding that it  is  a
supplement  to Management's Discussion and Analysis of  Financial
Condition  and  Results of Operations in  the  annual  report  to
shareholders  for  the  year ended December  31,  1999  which  is
incorporated herein by reference.

Securities Portfolio
--------------------
The following table presents the composition of the securities
portfolio at year end for the years indicated:
<TABLE>
                                              Amortized Cost at December 31
<CAPTION>
                                            1999          1998           1997
                                            ----          ----           ----
<S>                                   <C>            <C>            <C>
U. S. Treasury securities and other
 U. S. Government agencies and
 corporations                         $72,567,628    $77,481,622    $81,067,566
Obligations of states and political
 subdivisions                          51,542,799     36,454,587     35,619,236
Other securities                        3,371,638      2,396,600      1,330,300
                                       ----------     ----------     ----------
 Total                               $127,482,065   $116,332,809   $118,017,102
                                     ============   ============   ============
</TABLE>

Loans
-----
   Final  loan  maturities  excluding  consumer  installment  and
mortgage loans and before unearned discount at December 31, 1999:
(in thousands)

<TABLE>
<CAPTION>
                                         Within   One-Five     After
                                        One Year    Years    Five Years    Total
                                        --------   ------   ----------    -----
<S>                                     <C>       <C>         <C>       <C>
Commercial and Industrial               $ 9,639   $ 9,606      $ 3,627    $22,872
Real estate-construction                  3,999       135            -      4,276
Other                                     3,705*    1,790        8,568    $14,063
                                        -------    ------      -------   --------
 Totals                                 $17,343   $11,531      $12,337    $41,211
                                        =======    ======      =======    =======

Loans at fixed interest rates                     $ 6,331      $ 5,285    $11,616
Loans  at variable interest rates                   5,200          337      5,537
                                                   ------      -------    -------
                                                  $11,531      $ 5,622    $17,153
                                                   ======      =======    =======
</TABLE>

*  Includes $1.9 million PHEAA loans with no fixed maturity date.

<PAGE>


CONSOLIDATED FINANCIAL AND STATISTICAL PROFILE (continued)

Non-performing Loans
--------------------
The  following table details, for each of the most  recent  five
years,  the year end amounts which were accounted for on a  non-
accrual basis or were past due 90 days or more:

Dec. 31, 1999
   Loans on non-accrual basis       $  517,644
   Loans past due 90 days or more      187,259
   Renegotiated loans                  493,215
                                    ----------
   Total                            $1,198,118
                                    ==========
Dec. 31, 1998
   Loans on non-accrual basis       $   95,032
   Loans past due 90 days or more      320,438
   Renegotiated loans                  572,352
                                    ----------
   Total                            $  987,822
                                    ==========
Dec. 31, 1997
   Loans on non-accrual basis       $   23,172
   Loans past due 90 days or more      659,078
   Renegotiated loans                  948,128
                                    ----------
   Total                            $1,630,378
                                    ==========
Dec. 31, 1996
   Loans on non-accrual basis       $   23,172
   Loans past due 90 days or more      100,293
   Renegotiated loans                1,024,550
                                    ----------
   Total                            $1,148,015
                                    ==========
Dec. 31, 1995
   Loans on non-accrual basis       $  569,564
   Loans past due 90 days or more       89,824
   Renegotiated loans                  466,217
                                    ----------
   Total                            $1,125,605
                                    ==========
At present no other loans which are outstanding present a serious
doubt  in  regard  to the borrower's ability to comply  with  the
current  loan  repayment  terms.  As of  December  31,  1999  the
corporation had no other real estate  owned and  no  in-substance
foreclosures.

Effect of non-accrual loans on interest income during 1999 is  as
follows:

                                             Non-accrual
                                                Loans
                                               -------
Gross amount of interest that would have
   been recorded at original rates            $  8,321
Less: Interest that was reflected in income          -
                                              --------
Net reduction to interest income              $  8,321
                                              ========

<PAGE>

CONSOLIDATED FINANCIAL AND STATISTICAL PROFILE (continued)

Summary of Loan Loss Experience
-------------------------------
The table below provides an analysis of the allowancee for  loan losses
for the five years ended December 31, 1999:

<TABLE>
<CAPTION>
                                                                       December 31,
                                               1999          1998          1997          1996          1995

<S>                                       <C>           <C>           <C>           <C>           <C>
Loans outstanding at beginning of year,
net of unearned income                    $192,115,160  $183,481,157  $159,935,523  $144,288,002  $139,066,657
                                          ============  ============  ============  ============  ============
Average loans outstanding                 $194,664,755  $186,418,665  $169,849,234  $151,056,637  $142,697,066
Allowance for loan losses:                ============  ============  ============  ============  ============
Balance, beginning of year                $  1,914,174  $  1,882,251  $  2,035,818  $  2,081,700  $  2,077,553
                                          ------------  ------------  ------------  ------------  ------------
Loans charged off:
Commercial, industrial & other               2,678,266        24,306         4,859          -             -
Installment and charge card                    616,786       377,353       437,003       170,719        97,089
Real estate                                     12,971        11,208         6,446         3,233          -
                                             ---------       -------       -------       -------       -------
   Total loans charged off                   3,308,023       412,867       448,308       173,952        97,089
                                             ---------       -------       -------       -------       -------
Recoveries:
Commercial, industrial & other                    -              300          -             -             -
Installment and charge card                     23,596         9,490        22,669        23,070        10,884
Real estate                                       -             -            2,072          -              352
                                             ---------       -------        ------       -------       -------
   Total recoveries                             23,596         9,790        24,741        23,070        11,236
                                             ---------       -------       -------       -------       -------
  Net loans charged off                      3,284,427       403,077       423,567       150,882        85,853
Provision charged to expense                 3,289,706       435,000       270,000       105,000        90,000
                                             ---------       -------     ---------       -------       -------
Balance, end of year                      $  1,919,453   $ 1,914,174   $ 1,882,251   $ 2,035,818   $ 2,081,700
                                          ============   ===========   ===========   ===========   ===========
Ratios:
Net charge-offs as a percentage
of average loans outstanding                      1.69%          .22%          .25%          .10%          .06%

Allowance for  loan losses
as a percentage of average loans
outstanding                                        .99          1.03          1.11          1.35          1.46

</TABLE>

Management review and evaluation of loan loss experience and loan loss
potential on outstanding loans occurs on a monthly basis  and  is
considered  in  conjunction with current economic conditions  and
the current requirements of the appropriate regulatory agencies.

As a result of this on-going study, management believes that the
reserve amount shown for December 31, 1999 is adequate to  offset
the   expense   which   may  exist   as   a   result   of   under
collateralization or uncollectibility.

<PAGE>

CONSOLIDATED FINANCIAL AND STATISTICAL PROFILE (continued)

Deposits
--------
The  following table presents average deposits by  type  and  the
average interest rates paid as of 1999, 1998 and 1997:

<TABLE>
                                                         December 31,
                                       1999                  1998                  1997
<CAPTION>
                                 Average   Average    Average    Average    Average    Average
                                 Balance  Rate Paid   Balance   Rate Paid   Balance   Rate Paid
<S>                           <C>           <C>    <C>            <C>    <C>            <C>
Non-interest bearing demand   $ 41,744,536   -  %  $ 37,565,870    -  %  $ 34,124,049    -  %
Interest bearing demand         21,376,716   .72     20,709,992   1.69     20,204,634   1.91
Money market                    43,545,503  3.51     41,921,741   3.89     42,542,349   4.07
Savings                         46,836,966  2.52     45,672,055   2.93     44,871,628   3.09
Time                           115,189,889  5.11    112,647,588   5.40    108,744,105   5.41
                              ------------          -----------           -----------

      Total                   $268,693,610  3.26%  $258,517,246   3.64%  $250,486,765   3.75%
                              ============         ============           ===========
</TABLE>

Remaining maturities of certificates of deposit $100,000 or more:

<TABLE>
                                                           December 31,
                                         1999                 1998               1997
<CAPTION>
                                    Amount   Percent     Amount   Percent   Amount    Percent
<S>                              <C>         <C>      <C>          <C>   <C>           <C>
Remaining maturity:
3 months or less                 $26,559,928  72%     $16,943,373  57%   $12,602,770   40%
Over 3 through 6 months            4,159,920  11        2,965,786  10      4,452,058   14
Over 6 months through 12 months    3,166,384   8        6,109,446  20      2,628,559    8
Over 12 months                     3,429,108   9        3,997,620  13     11,796,885   38
                                  ----------  --       ----------  --     ----------   --

    Total                        $37,315,340 100%     $30,016,225 100%   $31,480,272  100%
                                  ==========           ==========         ==========

</TABLE>

<PAGE>

Item 2.  Properties
         ----------
         All of the corporation's banking and support facilities are owned
         and free of liens  and encumbrances with the exception of one (1)
         banking office and an  adjacent drive-up  facility, both of which
         are leased. All of the properties are used in their entirety for
         banking  purposes.  In each  case,  the  properties  have  been
         maintained in good repair, are well suited for their present use
         and  appear  to  be  adequate  for  the  immediate  needs of the
         corporation and the bank. During 1997, existing corporate offices
         expanded onto the third floor  of the former Plaza Hotel property
         which  was  immediately  adjacent  to and  is now part the bank's
         corporate  headquarters. In 1998 the second floor  was  renovated
         to house our credit services department. The first floor  will be
         finished  at a later  date as the demand for additional space
         becomes apparent.

Item 3.  Legal Proceedings
         -----------------
         Other  than proceedings which occur in the normal  conduct  of
         business,  there  are no legal proceedings to  which  either  the
         corporation or the subsidiaries is a party which will have any
         material effect  on  the  financial position of the  corporation
         and  its subsidiaries.

Item 4.   Submission of Matters to a Vote of Security Holders
          ---------------------------------------------------
          Not applicable.

<PAGE>


              EXECUTIVE OFFICERS OF THE REGISTRANT

The following table shows the names and ages of the current
executive officers and the present and previous positions held by
them for at least the past five years.

<TABLE>
<CAPTION>
Name                       Age     Present and Previous Positions
------------------------------------------------------------------
<S>                         <C>    <C>
Louis A. Steiner            69     Chairman of the board
                                   (1977 to present),
                                   chief executive officer
                                   (1977 to 1997)

Louis T. Steiner            38     President (April 1998 to present),
                                   vice chairman and chief executive
                                   officer (November 1997 to present)
                                   vice chairman (December 1995 to
                                   present), vice president (January
                                   1994 to November 1995)

Gregg E. Hunter             41     Vice chairman and chief financial
                                   officer (December 1995 to present),
                                   vice president and chief financial
                                   officer (January 1994 to November
                                   1995), assistant secretary/treasurer
                                   (January 1993 to November 1995)


Wendy S. Schmucker          31     Secretary/treasurer and vice president,
                                   manager corporate administration
                                   November 1997 to present), assistant
                                   vice president and managing corporate
                                   officer (December 1996 to October 1996),
                                   assistant secretary/treasurer and
                                   corporate and financial administrative
                                   officer (December 1995 to November 1996),
                                   corporate administrator (January 1995
                                   to November 1995)



Ryan M. Glista              32     Vice president and comptroller
                                   (November 1997 to present),
                                   assistant vice president and
                                   controller (December 1995 to
                                   (November 1997), corporate
                                   accountant (June 1994 to
                                   December 1995)

Susan F. Robb               25     Assistant secretary (April 1998
                                   to present), corporate administrator
                                   (September 1997 to present), customer
                                   service representative (September 1996
                                   to September 1997)
</TABLE>
<PAGE>

Part II


Item  5.    Market for Registrant's Common Stock and Related Security
            Holder Matters
            ------------------------------------------------------------
            Information   appearing  in  the  annual   report   to
            shareholders  for the fiscal year ended December  31,  1999
            on  page 20 is incorporated herein by reference in response
            to  this  item.   As  of  March 17,  2000  there  were  535
            shareholders of record of the  registrant's  common  stock.
            The number of beneficial shareholders is approximately 775.


Item 6.     Selected Financial Data
            -----------------------
            Information   appearing  in  the  annual   report   to
            shareholders  for the fiscal year ended December  31,  1999
            on  page 21 is incorporated herein by reference in response
            to this item.


Item  7.    Management's Discussion and Analysis of Financial Condition
            and Results of Operations
            -----------------------------------------------------------
            Information   appearing  in  the  annual   report   to
            shareholders  for the fiscal year ended December  31,  1999
            on  page 22 is incorporated herein by reference in response
            to this item.


Item  8.   Financial Statements and Supplementary Data
           -------------------------------------------
           The  following  information  appearing  in  the  annual
           report  to shareholders for the fiscal year ended  December
           31,  1999  is incorporated herein by reference in  response
           to this item.

                                                                    Annual
                                                                    Report
                                                                     Page
                                                                    ------
Report of Independent Certified Public Accountants...................  19
Financial Statements:
   Consolidated Statements of Financial
       Condition as of December 31, 1999 and 1998....................   6
   Consolidated Statements of Income for the Years Ended
   December 31, 1999, 1998, and 1997.................................   7
   Consolidated Statements of Changes in Shareholders' Equity for
   the Years Ended December 31, 1999, 1998 and 1997..................   8
   Consolidated Statements of Cash Flows for the Years Ended
   December 31, 1999, 1998 and 1997..................................   9
   Notes to Consolidated Financial Statements........................  10
   Quarterly Summary of Financial Data (Unaudited)...................  20


Item 9.   Disagreements on Accounting and Financial Disclosure
          ----------------------------------------------------
          None.

<PAGE>



Part III


Item 10.  Directors and Executive Officers of the Registrant
          --------------------------------------------------

          Information  appearing  in the definitive  proxy  statement
          related to the  annual  meeting  of shareholders to be held
          April 18, 2000 on pages 3  and   4  and from part I of this
          report  on  10-K  is incorporated  herein  by  reference in
          response to this item.

          Based  on  a review of the applicable forms, there  was  no
          director,officer  or  beneficial  owner  of  more  than  10
          percent of common stock who failed to file on a timely basis
          reports required by Section 16(a) of the 1934 Act during the
          most  recent  fiscal year or prior years.


Item 11.  Executive Compensation
          ----------------------
          Information  appearing  in the definitive  proxy  statement
          related  to      the annual meeting of shareholders  to  be
          held  April  18,  2000 on   page  11  is   incorporated
          herein by reference in response to this item.


Item  12.  Security  Ownership of Certain Beneficial  Owners  and
           Management
           ------------------------------------------------------
           Information  appearing  in the definitive  proxy  statement
           related  to the annual meeting of shareholders  to  be held
           April 18,  2000  on  page  6  is  incorporated  herein   by
           reference in response to this item.


Item  13.  Certain Relationships and Related Transactions
           ----------------------------------------------
           Information  appearing  in the definitive  proxy  statement
           related  to  the annual meeting of shareholders to  be held
           April  18,  2000 on   page  14  is  incorporated  herein by
           reference to this item.

<PAGE>

Part IV


Item 14.  Exhibits, Financial Statement Schedules and Reports  on
          Form 8-K
          -------------------------------------------------------
(a)(1)    Financial statements

          All financial statements of the registrant as set forth
          under Item 8 of this report on Form 10-K.

   (2)    Financial statement schedules are omitted as they  are
          not applicable.

                                                     Page Number or
  (3) Exhibit                                        Incorporated by
      Number        Description                      Reference to
      -------       -----------                      ---------------
       3.1          Articles of Incorporation        Exhibit C to Form S-4
                                                     Registration Statement
                                                     filed April 9, 1990

       3.2          By-laws of Registrant            Exhibit D to Form S-4
                                                     Registration Statement
                                                     filed April 9, 1990

       3.3          Amendment to Articles of         Exhibit A to definitive
                    Incorporation                    Proxy Statement filed
                                                     for the special meeting
                                                     of shareholders held
                                                     September 18, 1990

       3.4          Amendment to Articles of         Exhibit A to definitive
                    Incorporation                    Proxy Statement filed
                                                     for the meeting of
                                                     shareholders held on
                                                     April 15, 1997


      13            Annual Report to Shareholders
                    for the Fiscal Year Ended
                    December 31, 1999

      21            Subsidiaries of the Registrant

      22            Commercial National Financial Corporation 2000 Annual
                    Proxy Statement to Shareholders

      27            Financial Data Schedule

     (b)   Report on Form 8-K

                     None


<PAGE>

                           SIGNATURES

       Pursuant   to   the requirements  of  Section 13 or 15(d)  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.

                    COMMERCIAL NATIONAL FINANCIAL CORPORATION
                    (Registrant)



                    By   /s/ Louis T. Steiner
                         ------------------------------------------
                         Louis T. Steiner, Vice Chairman, President
                         and Chief Executive Officer


       March 21, 2000


<PAGE>

                EXHIBIT INDEX TABLE OF CONTENTS


Exhibit
Number                        Description
-------                       ------------
 21                           Subsidiaries of  the  Registrant



<PAGE>


Exhibit  21   -   Subsidiaries of Commercial National Financial Corporation
                  ---------------------------------------------------------
                                                         Percent Ownership
                                                           By Registrant
                                                         -----------------
Commercial National Bank of Westmoreland County                100%
900 Ligonier Street
Latrobe, PA  15650
Nationally Chartered Bank

Commercial National Investment Corporation                     100%
900 Ligonier Street
Latrobe, PA 15650


<PAGE>


      Pursuant  to  the  requirements of the Securities  Exchange
Act  of  1934, this report has been signed below by the following
persons on behalf of the registrant and in the capacities and  on
the dates indicated.

SIGNATURE AND CAPACITY                                             DATE
----------------------                                          ----------
/s/ Louis A. Steiner                                          MARCH 21, 2000
--------------------
Louis A. Steiner, Chairman of the Board and Director

/s/ Louis T. Steiner                                          MARCH 21, 2000
--------------------
Louis T. Steiner, Vice Chairman of the Board and Director

/s/ Gregg E. Hunter                                           MARCH 21, 2000
-------------------
Gregg E. Hunter, Vice Chairman of the Board and Director

/s/ Wendy S. Schmucker                                        MARCH 21, 2000
-------------------------
Wendy S. Schmucker, Secretary/Treasurer

/s/ John T. Babilya                                           MARCH 21, 2000
--------------------
John T. Babilya, Director

/s/ George A. Conti, Jr.                                      March 21, 2000
------------------------
George A. Conti, Jr., Director

/s/ Richmond H. Ferguson                                      MARCH 21, 2000
------------------------
Richmond H. Ferguson, Director

/s/ Dorothy S. Hunter                                         MARCH 21, 2000
---------------------
Dorothy S. Hunter, Director

/s/ Frank E. Jobe                                             MARCH 21, 2000
------------------
Frank E. Jobe, Director


------------------
Roy M. Landers, Director

/s/ John C. McClatchey                                        MARCH 21, 2000
----------------------
John C. McClatchey, Director

/s/ Joseph A. Mosso                                           MARCH 21, 2000
-------------------
Joseph A. Mosso, Director

/s/ Joedda M. Sampson                                         March 21, 2000
---------------------------
Joedda M. Sampson, Director

/s/ Debra L. Spatola                                          MARCH 21, 2000
-----------------------
Debra L. Spatola, Director

/s/ George V. Welty                                           MARCH 21, 2000
-------------------
George V. Welty, Director

/s/ C. Edward Wible                                           MARCH 21, 2000
-------------------
C. Edward Wible, Director


<PAGE>

(The following caption appears at the bottom of the page about
three-quarters of the way down.)




The corporation will provide without charge to any shareholder  a
copy  of  its 1999 annual report on form 10-K as required  to  be
filed  with  the  Securities and Exchange  Commission.   Requests
should be made in writing to:


COMMERCIAL NATIONAL FINANCIAL CORPORATION
STOCK TRANSFER DEPARTMENT
P.O. BOX 429
LATROBE, PA  15650