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

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

For the quarterly period ended March 31, 2000.

                                       OR

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

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<S>                                                                <C>
For the transition period from _________ to__________              Commission File Number: 333-32210
                                                                                           ---------
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                         SOMERSET TRUST HOLDING COMPANY
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

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

                              151 West Main Street
                                  P. O. Box 777
                        Somerset, Pennsylvania 15501-0777
               --------------------------------------------------
               (Address of principal executive offices)(Zip Code)

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

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

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

                  Yes __________                     No       X
                                                        -------------

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

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

                  Yes __________                     No
                                                        -------------

                      APPLICABLE ONLY TO CORPORATE ISSUERS:

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

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

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PART I. FINANCIAL INFORMATION

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

     Item 1. Financial Statements

             N/A

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

             N/A

     Item 3. Quantitative and Qualitative Disclosures about Market Risk

             N/A

PART II. OTHER INFORMATION

     Item 1. Legal Proceedings
             None

     Item 2. Changes in Securities and Use of Proceeds
             None

    Item 3.  Defaults Upon Senior Securities
             None

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

    Item 5.  Other information
             None

    Item 6.  Exhibits and Reports on Form 8-K

             a.       Exhibits

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

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                                       filed with the Commission on March 29,
                                       2000.

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

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

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

                      Exhibit 27       Financial Data Schedule

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

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                                   SIGNATURES

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


                                    SOMERSET TRUST HOLDING COMPANY
                                    (Registrant)


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


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

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                                  EXHIBIT INDEX

Exhibit Number

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

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

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

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

Exhibit 27        Financial Data Schedule

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


                                  July 17, 2000

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

            RE:   SOMERSET TRUST HOLDING COMPANY
                  Commission File No. 333-32210
                  Our File No. 99-933

Dear Sir or Madam:

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

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

                               Sincerely,

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

Enclosure

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