UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended: 12/31/2008 Check here if Amendment [ ] Amendment Number: This Amendment [ ] is a restatement. [ ] adds new holdings entries. Institutional Investment Manager Filing this Report: Name: PEOPLES BANK NTL ASSOCIATION Address: P O BOX 738 MARIETTA, OH 45750 13F File Number: 28-10656 The institutional investment Manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form. Person Signing this Report on Behalf of Reporting Manager: Name: DAVID T WESEL Title: EXECUTIVE VICE PRESIDENT Phone: 740 373 2932 Signature, Place, and Date of Signing: /s/ DAVID T. WESEL MARIETTA, OH 02/06/2009 ------------------------ David T. Wesel Report Type (Check only one) [X] 13F HOLDINGS REPORT [ ] 13F NOTICE [ ] 13F COMBINATION REPORT FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 0 Form 13F Information Table Entry Total: 78 Form 13F Information Table Value Total: $82,835 List of Other Included Managers: Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment Managers with respect to which this report is filed, other than the Manager filing this report. No. 13F File Number Name NONE FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL ABBOTT COMMON STOCK 002824100 709 13280 SH DEFINED 1 13280 LABORATORIES AUTOMATIC DATA COMMON STOCK 053015103 447 11361 SH DEFINED 1 11361 PROCESSING BP AMOCO PLC COMMON STOCK 055622104 760 16269 SH DEFINED 1 16269 SPONS ADR THE BANK OF NEW COMMON STOCK 064058100 350 12357 SH DEFINED 1 12357 YORK MELLON CORP BAXTER COMMON STOCK 071813109 562 10480 SH DEFINED 1 9400 1 1080 INTERNATIONAL BRISTOL MYERS COMMON STOCK 110122108 367 15770 SH DEFINED 1 13190 1 2580 SQUIBB BURLINGTON COMMON STOCK 12189T104 245 3240 SH DEFINED 1 2580 1 660 NORTHERN SANTE FE CAMCO FINANCIAL COMMON STOCK 132618109 104 32737 SH DEFINED 1 32737 CORP CHEVRON COMMON STOCK 166764100 3193 43171 SH DEFINED 1 43171 CORPORATION CISCO SYSTEMS COMMON STOCK 17275R102 187 11475 SH DEFINED 1 11475 COLUMN TOTALS 6924 FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL COCA COLA COMMON STOCK 191216100 462 10209 SH DEFINED 1 9761 1 448 COLGATE PALMOLIVE COMMON STOCK 194162103 630 9195 SH DEFINED 1 9005 1 190 CONOCOPHILLIPS COMMON STOCK 20825C104 410 7918 SH DEFINED 1 7918 DANAHER CORP COMMON STOCK 235851102 458 8090 SH DEFINED 1 7290 1 800 DEERE & CO COMMON STOCK 244199105 246 6425 SH DEFINED 1 6425 DOW JONES MUTUAL FUNDS - 252787106 1874 21410 SH DEFINED 1 21410 INDUSTRIAL TRUST EQUITY DOMINION COMMON STOCK 25746U109 249 6952 SH DEFINED 1 6952 RESOURCES INC EMC CORPORATION COMMON STOCK 268648102 189 18085 SH DEFINED 1 18085 EMERSON ELECTRIC COMMON STOCK 291011104 321 8775 SH DEFINED 1 8775 EXELON COMMON STOCK 30161N101 576 10357 SH DEFINED 1 10357 CORPORATION EXXON MOBIL COMMON STOCK 30231G102 5101 63892 SH DEFINED 1 63262 1 630 CORPORATION FPL GROUP INC COMMON STOCK 302571104 208 4140 SH DEFINED 1 3835 1 305 COLUMN TOTALS 10724 FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL FISERV COMMON STOCK 337738108 287 7880 SH DEFINED 1 6840 1 1040 FORTUNE BRANDS COMMON STOCK 349631101 277 6707 SH DEFINED 1 6707 INC GENERAL ELECTRIC COMMON STOCK 369604103 542 33434 SH DEFINED 1 32574 1 860 CO 369604103 5 300 SH DEF/OTH 1 300 GENZYME COMMON STOCK 372917104 219 3305 SH DEFINED 1 2410 1 895 GILEAD SCIENCES COMMON STOCK 375558103 379 7415 SH DEFINED 1 7415 INC INTEL CORP COMMON STOCK 458140100 147 10054 SH DEFINED 1 10054 IBM COMMON STOCK 459200101 611 7255 SH DEFINED 1 6865 1 390 ISHARES MUTUAL FUNDS - 464287101 1711 39595 SH DEFINED 1 39595 EQUITY 464287101 99 2295 SH DEF/OTH 1 2295 ISHARES MUTUAL FUNDS - 464287200 916 10138 SH DEFINED 1 10138 EQUITY COLUMN TOTALS 5193 FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL ISHARES MUTUAL FUNDS - 464287234 448 17932 SH DEFINED 1 17932 EQUITY ISHARES MUTUAL FUNDS - 464287309 935 20814 SH DEFINED 1 19114 1 1700 EQUITY ISHARES MUTUAL FUNDS - 464287408 544 12030 SH DEFINED 1 12030 EQUITY ISHARES MUTUAL FUNDS - 464287440 201 2037 SH DEFINED 1 2037 TAXABLE INCOME ISHARES MUTUAL FUNDS - 464287465 2395 53390 SH DEFINED 1 51022 1 2368 EQUITY ISHARES MUTUAL FUNDS - 464287507 2947 55267 SH DEFINED 1 52992 1 2275 EQUITY ISHARES MUTUAL FUNDS - 464287598 2355 47551 SH DEFINED 1 47551 EQUITY ISHARES MUTUAL FUNDS - 464287606 1649 29731 SH DEFINED 1 27973 1 1758 EQUITY ISHARES MUTUAL FUNDS - 464287614 2166 58436 SH DEFINED 1 58142 1 294 EQUITY COLUMN TOTALS 13640 FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL ISHARES MUTUAL FUNDS - 464287622 4635 94838 SH DEFINED 1 93973 1 865 EQUITY ISHARES MUTUAL FUNDS - 464287705 1339 26622 SH DEFINED 1 26622 EQUITY ISHARES MUTUAL FUNDS - 464287804 1676 38108 SH DEFINED 1 37488 1 620 EQUITY ISHARES MUTUAL FUNDS - 464288414 637 6395 SH DEFINED 1 6395 TAX FREE INCOME ISHARES MUTUAL FUNDS - 464288802 595 15521 SH DEFINED 1 2766 1 12755 EQUITY ISHARES MUTUAL FUNDS - 464288885 1704 37495 SH DEFINED 1 36390 1 1105 EQUITY JOHNSON & JOHNSON COMMON STOCK 478160104 1045 17464 SH DEFINED 1 16689 1 775 KELLOGG CO COMMON STOCK 487836108 276 6300 SH DEFINED 1 6300 KROGER CO COMMON STOCK 501044101 363 13740 SH DEFINED 1 13740 LOCKHEED MARTIN COMMON STOCK 539830109 235 2794 SH DEFINED 1 2794 CORP COLUMN TOTALS 12505 FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL MCDONALDS COMMON STOCK 580135101 706 11358 SH DEFINED 1 11358 MICROSOFT COMMON STOCK 594918104 434 22335 SH DEFINED 1 22335 MONSANTO CO COMMON STOCK 61166W101 377 5356 SH DEFINED 1 5356 NORTHROP GRUMMAN COMMON STOCK 666807102 282 6258 SH DEFINED 1 5008 1 1250 CORP. OCCIDENTAL COMMON STOCK 674599105 299 4982 SH DEFINED 1 4982 PETROLEUM CORP ORACLE COMMON STOCK 68389X105 745 41992 SH DEFINED 1 41992 CORPORATION PANHANDLE COMMON STOCK 698477106 180 10000 SH DEFINED 1 10000 ROYALTY CO. CLASS A PEOPLES BANCORP COMMON STOCK 709789101 3271 171016 SH DEFINED 1 160477 1 10539 INC. 709789101 15754 823547 SH DEF/OTH 1 136642 1 686905 PEPSICO COMMON STOCK 713448108 303 5526 SH DEFINED 1 5526 PRICE T ROWE COMMON STOCK 74144T108 258 7280 SH DEFINED 1 6490 1 790 COLUMN TOTALS 22609 FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL GROUP INC PROCTER & GAMBLE COMMON STOCK 742718109 1112 17987 SH DEFINED 1 17987 CO ROCKY BRANDS INC COMMON STOCK 774515100 661 163724 SH DEF/OTH 1 163724 RYDEX MUTUAL FUNDS - 78355W106 834 30014 SH DEFINED 1 30014 EQUITY RYDEX MUTUAL FUNDS - 78355W205 1835 25713 SH DEFINED 1 25108 1 605 EQUITY S & P 500 MUTUAL FUNDS - 78462F103 3140 34799 SH DEFINED 1 34799 DEPOSITARY EQUITY RECEIPT SIMON PPTY GROUP COMMON STOCK 828806109 222 4171 SH DEFINED 1 4171 INC NEW SOUTHERN CO COMMON STOCK 842587107 369 9965 SH DEFINED 1 9965 STAPLES INC COMMON STOCK 855030102 343 19142 SH DEFINED 1 19142 SYMANTEC CORP COMMON STOCK 871503108 180 13295 SH DEFINED 1 13295 3M COMPANY COMMON STOCK 88579Y101 372 6470 SH DEFINED 1 5670 1 800 US BANCORP DEL COMMON STOCK 902973304 419 16760 SH DEFINED 1 16760 COLUMN TOTALS 9487 FORM 13F INFORMATION TABLE VALUE SHS INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE X PRN SH PUT DISCRTN MANAGERS SOLE SHARED NONE SECURITY NAME OF CLASS CUSIP $1000 AMOUNT PRN CALL UNITED TECH CORP COMMON STOCK 913017109 725 13535 SH DEFINED 1 12085 1 1450 VERIZON COMMON STOCK 92343V104 341 10066 SH DEFINED 1 10066 COMMUNICATIONS WAL MART STORES COMMON STOCK 931142103 468 8350 SH DEFINED 1 7835 1 515 INC WYETH COMM COMMON STOCK 983024100 219 5840 SH DEFINED 1 5840 COLUMN TOTALS 1753 AGGREGATE TOTAL 82835