UNITED STATES
                  SECURITIES AND EXCHANGE COMMISSION
                        Washington, D.C.  20549

                              FORM 13F

                        FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 03/31/05

Check here if Amendment [  ]; Amendment Number:
This Amendment (Check only one.): [  ] is a restatement.
                                  [  ] adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:    PEOPLES BANK, NATIONAL ASSOCIATION
Address: 138 PUTNAM STREET

         MARIETTA, OH 45750

13F File Number: 28-________________________

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 B BAKER, PRESIDENT
Title:    PRESIDENT - INVESTMENT & INSURANCE SERVICE
Phone:    740-374-6108
Signature, Place, and Date of Signing:

/s/  DAVID B. BAKER      MARIETTA, OH    APRIL 25, 2005
    ------------------   ------------    --------------
     DAVID B. BAKER      [City/State]       [Date]


Report Type (Check only one.):

[ X ]        13F HOLDINGS REPORT.

[   ]        13F NOTICE.

[   ]        13F COMBINATION REPORT.



I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE
ACT OF 1934.



                          FORM 13F SUMMARY PAGE


Report Summary:

Number of Other Included Managers:           0

Form 13F Information Table Entry Total:      157

Form 13F Information Table Entry Total:     $154,136  



List of Other Included Managers:

NONE




                       


                                                                FORM 13F INFORMATION TABLE
                                                           VALUE   SHARES/  SH/ PUT/ INVSTMT    OTHER          VOTING AUTHORITY
        NAME OF ISSUER         TITLE OF CLASS     CUSIP   (x$1000) PRN AMT  PRN CALL DSCRETN   MANAGERS     SOLE    SHARED    NONE
------------------------------ ---------------- --------- -------- --- ---  --- ---- ------- ------------- ------- --------- ------

                                                                                                      
ABBOTT LABORATORIES            COM              002824100     1385    29720 SH       SOLE                    29720
ABBOTT LABORATORIES            COM              002824100       14      301 SH       OTHER                     301
AMERICAN INTL GROUP INC        COM              026874107      713    12878 SH       SOLE                    12878
AMERICAN INTL GROUP INC        COM              026874107       20      364 SH       OTHER                     364
APACHE CORPORATION             COM              037411105      223     3650 SH       SOLE                     2420              1230
APACHE CORPORATION             COM              037411105       19      314 SH       OTHER                     314
BP AMOCO PLC SPONS ADR         COM              055622104     1690    27097 SH       SOLE                    25847              1250
BP AMOCO PLC SPONS ADR         COM              055622104      401     6428 SH       OTHER                    6428
BANK OF AMERICA CORP           COM              060505104     2979    67567 SH       SOLE                    65677              1890
BANK OF AMERICA CORP           COM              060505104       49     1124 SH       OTHER                    1124
BELLSOUTH CORP COMMON          COM              079860102      234     8918 SH       SOLE                     8918
BELLSOUTH CORP COMMON          COM              079860102       23      876 SH       OTHER                     876
BELMONT BANCORP                COM              080162100      194    32900 SH       DEFINED                                   32900
BLACK & DECKER                 COM              091797100      253     3205 SH       SOLE                     2335               870
BLACK & DECKER                 COM              091797100       33      425 SH       OTHER                     425
BRISTOL-MYERS SQUIBB COMPANY   COM              110122108      194     7629 SH       SOLE                     7629
BRISTOL-MYERS SQUIBB COMPANY   COM              110122108       10      400 SH       OTHER                     400
CVS CORPORATION                COM              126650100      276     5260 SH       SOLE                     3875              1385
CVS CORPORATION                COM              126650100       28      540 SH       OTHER                     540
CAMCO FINANCIAL CORP           COM              132618109      493    35301 SH       SOLE                    35301
CHEVRONTEXACO CORP COM         COM              166764100     2524    43288 SH       SOLE                    43288
CHEVRONTEXACO CORP COM         COM              166764100      364     6250 SH       OTHER                    6250
CISCO SYSTEMS                  COM              17275R102      844    47185 SH       SOLE                    47185
CISCO SYSTEMS                  COM              17275R102       50     2805 SH       OTHER                    2805
CITIGROUP INC COMMON           COM              172967101      324     7215 SH       SOLE                     7215
CITIGROUP INC COMMON           COM              172967101       53     1200 SH       OTHER                    1200
COCA COLA CO COMMON            COM              191216100      451    10830 SH       SOLE                    10830
COCA COLA CO COMMON            COM              191216100       47     1140 SH       OTHER                    1140
COLGATE PALMOLIVE              COM              194162103      296     5690 SH       SOLE                     5690
DANAHER CORP                   COM              235851102      565    10580 SH       SOLE                    10580
DANAHER CORP                   COM              235851102       34      640 SH       OTHER                     640
DELL INC                       COM              24702R101      623    16233 SH       SOLE                    16233
DELL INC                       COM              24702R101       32      840 SH       OTHER                     840
DENTSPLY INTERNATIONAL         COM              249030107      360     6620 SH       SOLE                     5020              1600
DENTSPLY INTERNATIONAL         COM              249030107       33      615 SH       OTHER                     615
DOW JONES INDUSTRIAL TRUST SER COM              252787106      550     5245 SH       SOLE                     5245
DOW JONES INDUSTRIAL TRUST SER COM              252787106       53      513 SH       OTHER                     513
DOW CHEMICAL CO COMMON         COM              260543103     1104    22156 SH       SOLE                    22156
DOW CHEMICAL CO COMMON         COM              260543103       14      300 SH       OTHER                     300
DU PONT E I DE NEMOURS & CO CO COM              263534109      702    13715 SH       SOLE                    13715
DU PONT E I DE NEMOURS & CO CO COM              263534109       84     1657 SH       OTHER                    1657
EMC CORPORATION                COM              268648102      298    24211 SH       SOLE                    24211
EMC CORPORATION                COM              268648102       11      900 SH       OTHER                     900
EXXON MOBIL CORPORATION        COM              30231G102     5873    98554 SH       SOLE                    97204              1350
EXXON MOBIL CORPORATION        COM              30231G102      295     4955 SH       OTHER                    4955
FIRST FEDERAL DOVER FINANCIAL  COM              30243C107      226    15150 SH       DEFINED                                   15150
FIFTH THIRD BANCORP            COM              316773100      627    14609 SH       SOLE                    13159              1450
FIRST DATA CORPORATION         COM              319963104      495    12596 SH       SOLE                    10921              1675
FIRST DATA CORPORATION         COM              319963104       17      435 SH       OTHER                     435
GANNETT CO INC COMMON          COM              364730101      605     7656 SH       SOLE                     6956               700
GANNETT CO INC COMMON          COM              364730101     1105    13976 SH       OTHER                   13976
GENERAL ELECTRIC CO COMMON     COM              369604103     4970   137833 SH       SOLE                   137833
GENERAL ELECTRIC CO COMMON     COM              369604103      381    10581 SH       DEFINED                                   10581
GENERAL ELECTRIC CO COMMON     COM              369604103      176     4901 SH       OTHER                    4901
HEARTLAND BANCORP              COM              421962101     4371   113102 SH       DEFINED                                  113102
HOCKING VALLEY BANCSHARES      COM              434160107      139      317 SH       SOLE                      317
HOCKING VALLEY BANCSHARES      COM              434160107       71      162 SH       OTHER                     162
HOME DEPOT                     COM              437076102      960    25105 SH       SOLE                    23440              1665
INTEL CORP                     COM              458140100     1912    82324 SH       SOLE                    82324
INTEL CORP                     COM              458140100       32     1400 SH       OTHER                    1400
INTERNATIONAL BUSINESS MACH CO COM              459200101      363     3980 SH       SOLE                     3980
INTERNATIONAL BUSINESS MACH CO COM              459200101      116     1280 SH       OTHER                    1280
ISHARES DJ SELECT DIV          COM              464287168     4440    74062 SH       SOLE                    74062
ISHARES DJ SELECT DIV          COM              464287168      640    10676 SH       OTHER                    8476              2200
I SHARES S & P 500 INDEX       COM              464287200     1815    15407 SH       SOLE                    15407
I SHARES S&P 500 BARRA GROWTH  COM              464287309      603    10687 SH       SOLE                    10687
ISHARES GOLDMAN SACHS NATURAL  COM              464287374      397     2707 SH       SOLE                     2707
I SHARES S&P 500 BARRA VALUE   COM              464287408     3419    56106 SH       SOLE                    56106
I SHARES S&P 500 BARRA VALUE   COM              464287408      215     3540 SH       OTHER                     940              2600
ISHARES MSCI EAFE INDEX FOREIG COM              464287465     8075    50828 SH       SOLE                    50828
ISHARES MSCI EAFE INDEX FOREIG COM              464287465      990     6234 SH       OTHER                    6234
ISHARES RUSSELL MIDCAP VALUE   COM              464287473      160     1420 SH       SOLE                     1420
ISHARES RUSSELL MIDCAP VALUE   COM              464287473       98      875 SH       OTHER                     875
ISHARES RUSSELL MIDCAP GROWTH  COM              464287481      603     7282 SH       SOLE                     7282
ISHARES RUSSELL MIDCAP GROWTH  COM              464287481       14      175 SH       OTHER                     175
ISHARES RUSSELL MIDCAP         COM              464287499      506     6428 SH       SOLE                     6428
ISHARES RUSSELL MIDCAP         COM              464287499      137     1750 SH       OTHER                    1750
I SHARES S&P 400 MIDCAP        COM              464287507     3970    30196 SH       SOLE                    30196
I SHARES S&P 400 MIDCAP        COM              464287507      435     3313 SH       OTHER                    3020               293
I SHARES RUSSELL 1000 VALUE    COM              464287598     3944    59938 SH       SOLE                    59938
I SHARES RUSSELL 1000 VALUE    COM              464287598      487     7410 SH       OTHER                    5940              1470
I SHARES RUSSELL 1000 GROWTH   COM              464287614     1696    36187 SH       SOLE                    36187
I SHARES RUSSELL 1000 GROWTH   COM              464287614      125     2670 SH       OTHER                    2670
I SHARES RUSSELL 1000          COM              464287622     2280    35936 SH       SOLE                    35936
I SHARES RUSSELL 1000          COM              464287622      811    12780 SH       OTHER                   10580              2200
I SHARES RUSSELL 2000          COM              464287655      281     2305 SH       SOLE                     2305
I SHARES RUSSELL 2000          COM              464287655       21      175 SH       OTHER                     175
I SHARES S&P 400 MIDCAP VALUE  COM              464287705     3055    24012 SH       SOLE                    24012
I SHARES S&P 400 MIDCAP VALUE  COM              464287705       90      710 SH       OTHER                     360               350
ISHARES DJ US TECHNOLOGY       COM              464287721      398     8886 SH       SOLE                     8886
ISHARES DJ US TECHNOLOGY       COM              464287721       13      308 SH       OTHER                     308
ISHARES DJ US REAL ESTATE      COM              464287739     1113     9924 SH       SOLE                     9924
ISHARES DJ US REAL ESTATE      COM              464287739       10       95 SH       OTHER                      95
I SHARES S&P 600 SMALL CAP     COM              464287804     1620    10200 SH       SOLE                    10200
I SHARES S&P 600 SMALL CAP     COM              464287804       15      100 SH       OTHER                     100
I SHARES S&P 600 SMALL CAP VAL COM              464287879      657     5575 SH       SOLE                     5575
J P MORGAN CHASE & CO          COM              46625H100      145     4218 SH       SOLE                     4218
J P MORGAN CHASE & CO          COM              46625H100       62     1813 SH       OTHER                    1400               413
JOHNSON & JOHNSON              COM              478160104     1946    28978 SH       SOLE                    28978
JOHNSON & JOHNSON              COM              478160104       40      600 SH       OTHER                     600
ELI LILLY                      COM              532457108      317     6085 SH       SOLE                     6085
ELI LILLY                      COM              532457108       36      700 SH       OTHER                     700
MASSEY ENERGY                  COM              576206106      313     7830 SH       SOLE                     7830
MEDTRONIC INC                  COM              585055106      250     4925 SH       SOLE                     4925
MICROSOFT                      COM              594918104     1073    44414 SH       SOLE                    44414
MICROSOFT                      COM              594918104       49     2040 SH       OTHER                    2040
NASDAQ 100 SHARE INDEX         COM              631100104      223     6118 SH       SOLE                     6118
NASDAQ 100 SHARE INDEX         COM              631100104        7      195 SH       OTHER                     195
NATL CITY CORP CLEVELAND COMMO COM              635405103      213     6372 SH       SOLE                     6372
NATL CITY CORP CLEVELAND COMMO COM              635405103       12      360 SH       OTHER                     360
NIKE CLASS B                   COM              654106103      354     4255 SH       SOLE                     3455               800
P P G INDUSTRIES INC COMMON    COM              693506107      362     5066 SH       SOLE                     5066
PEOPLES BANCORP INC.           COM              709789101     5873   218344 SH       SOLE                   159251    145090   
PEOPLES BANCORP INC.           COM              709789101    22668   842657 SH       OTHER                   59093    697567  
PEPSICO                        COM              713448108     1012    19092 SH       SOLE                    19092
PEPSICO                        COM              713448108       23      437 SH       OTHER                     437
PFIZER INC COMMON              COM              717081103      354    13513 SH       SOLE                    13513
PFIZER INC COMMON              COM              717081103       83     3188 SH       OTHER                    3188
PRAXAIR INC.                   COM              74005P104      196     4110 SH       SOLE                     4110
PRAXAIR INC.                   COM              74005P104       42      895 SH       OTHER                     895
PROCTER & GAMBLE COMPANY COMMO COM              742718109     1690    31891 SH       SOLE                    31891
PROCTER & GAMBLE COMPANY COMMO COM              742718109       49      940 SH       OTHER                     940
ROCKY SHOES & BOOTS            COM              774830103     5197   195777 SH       OTHER                   23005            172772
ISHARES RYDEX S&P EQUAL WEIGHT COM              78355W106     7499    49301 SH       SOLE                    49301
ISHARES RYDEX S&P EQUAL WEIGHT COM              78355W106      952     6259 SH       OTHER                    6259
SBC COMMUNICATIONS INC         COM              78387G103      372    15711 SH       SOLE                    15711
SBC COMMUNICATIONS INC         COM              78387G103       30     1300 SH       OTHER                    1300
S & P 500 DEPOSITARY RECEIPT S COM              78462F103     3046    25825 SH       SOLE                    25825
S & P 500 DEPOSITARY RECEIPT S COM              78462F103      161     1370 SH       OTHER                    1370
SIMON PPTY GROUP INC NEW       COM              828806109      416     6877 SH       SOLE                     6877
SIMON PPTY GROUP INC NEW       COM              828806109       18      304 SH       OTHER                     304
STAPLES INC                    COM              855030102      497    15835 SH       SOLE                    15835
TARGET CORPORATION             COM              87612E106      818    16355 SH       SOLE                    16355
TARGET CORPORATION             COM              87612E106       24      480 SH       OTHER                     480
3M COMPANY                     COM              88579Y101     1344    15688 SH       SOLE                    15688
3M COMPANY                     COM              88579Y101       17      208 SH       OTHER                     208
US BANCORP DEL                 COM              902973304      370    12845 SH       SOLE                    12845
US BANCORP DEL                 COM              902973304        0       32 SH       OTHER                      32
UNITED BANKSHARES INC          COM              909907107     1083    32700 SH       SOLE                    32700
UNITED TECHNOLOGIES INC        COM              913017109     1313    12917 SH       SOLE                    12137               780
UNITED TECHNOLOGIES INC        COM              913017109       10      103 SH       OTHER                     103
UNIZAN FINANCIAL CORP          COM              91528W101      915    35225 SH       SOLE                                      35225
VERIZON COMMUNICATIONS         COM              92343V104      765    21576 SH       SOLE                    21576
VERIZON COMMUNICATIONS         COM              92343V104       52     1478 SH       OTHER                    1478
WACHOVIA CORP                  COM              929903102      637    12517 SH       SOLE                    12517
WAL MART STORES INC            COM              931142103      527    10535 SH       SOLE                    10535
WAL MART STORES INC            COM              931142103       15      300 SH       OTHER                     300
WALGREEN CO COMMON             COM              931422109     1186    26710 SH       SOLE                    26710
WALGREEN CO COMMON             COM              931422109       70     1589 SH       OTHER                    1589
WELLS FARGO AND COMPANY        COM              949746101     1179    19729 SH       SOLE                    18434              1295
WELLS FARGO AND COMPANY        COM              949746101       20      341 SH       OTHER                     341
WESBANCO                       COM              950810101      280    10191 SH       SOLE                    10191
WESBANCO                       COM              950810101       87     3185 SH       OTHER                    1425              1760
WYETH COMM                     COM              983024100     2941    69740 SH       SOLE                    69740
WYETH COMM                     COM              983024100      126     3000 SH       OTHER                    3000
ACCENTURE LTD CLASS A          COM              G1150G111      263    10895 SH       SOLE                    10895