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

                                    FORM 13F

                               FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 06/30/05

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

        /s/ DAVID B BAKER   MARIETTA, OH    JULY 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:      156

Form 13F Information Table Entry Total:     $151,955



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     1685    34400 SH       SOLE                    34400
ABBOTT LABORATORIES            COM              002824100       14      301 SH       OTHER                     301
AMERICAN INTL GROUP INC        COM              026874107      844    14533 SH       SOLE                    14533
AMERICAN INTL GROUP INC        COM              026874107       16      280 SH       OTHER                     280
APACHE CORPORATION             COM              037411105      197     3050 SH       SOLE                     2420               630
APACHE CORPORATION             COM              037411105       20      314 SH       OTHER                     314
BP AMOCO PLC SPONS ADR         COM              055622104     1596    25586 SH       SOLE                    24336              1250
BP AMOCO PLC SPONS ADR         COM              055622104      382     6128 SH       OTHER                    6128
BANK OF AMERICA CORP           COM              060505104     2849    62467 SH       SOLE                    60577              1890
BANK OF AMERICA CORP           COM              060505104       51     1124 SH       OTHER                    1124
BELLSOUTH CORP COMMON          COM              079860102      228     8582 SH       SOLE                     8582
BELLSOUTH CORP COMMON          COM              079860102       30     1146 SH       OTHER                    1146
BLACK & DECKER                 COM              091797100      258     2875 SH       SOLE                     2335               540
BLACK & DECKER                 COM              091797100       38      425 SH       OTHER                     425
CVS CORPORATION                COM              126650100      305    10520 SH       SOLE                     7750              2770
CVS CORPORATION                COM              126650100       31     1080 SH       OTHER                    1080
CAMCO FINANCIAL CORP           COM              132618109      493    36301 SH       SOLE                    36301
CHEVRON CORPORATION            COM              166764100     2206    39453 SH       SOLE                    39453
CHEVRON CORPORATION            COM              166764100      304     5450 SH       OTHER                    5450
CISCO SYSTEMS                  COM              17275R102      876    45955 SH       SOLE                    45955
CISCO SYSTEMS                  COM              17275R102       53     2805 SH       OTHER                    2805
CITIGROUP INC COMMON           COM              172967101      230     4993 SH       SOLE                     4993
CITIGROUP INC COMMON           COM              172967101       55     1200 SH       OTHER                    1200
COCA COLA CO COMMON            COM              191216100      389     9325 SH       SOLE                     9325
COCA COLA CO COMMON            COM              191216100       47     1140 SH       OTHER                    1140
COLGATE PALMOLIVE              COM              194162103      286     5740 SH       SOLE                     5740
DANAHER CORP                   COM              235851102      621    11865 SH       SOLE                    11865
DANAHER CORP                   COM              235851102       33      640 SH       OTHER                     640
DELL INC                       COM              24702R101      617    15644 SH       SOLE                    15644
DELL INC                       COM              24702R101       33      840 SH       OTHER                     840
DENTSPLY INTERNATIONAL         COM              249030107      217     4020 SH       SOLE                     2420              1600
DENTSPLY INTERNATIONAL         COM              249030107       33      615 SH       OTHER                     615
DOW JONES INDUSTRIAL TRUST SER COM              252787106      497     4845 SH       SOLE                     4845
DOW JONES INDUSTRIAL TRUST SER COM              252787106       48      473 SH       OTHER                     473
DOW CHEMICAL CO COMMON         COM              260543103      950    21356 SH       SOLE                    19856              1500
DOW CHEMICAL CO COMMON         COM              260543103       13      300 SH       OTHER                     300
DU PONT E I DE NEMOURS & CO CO COM              263534109      546    12715 SH       SOLE                    12715
DU PONT E I DE NEMOURS & CO CO COM              263534109       71     1657 SH       OTHER                    1657
EMC CORPORATION                COM              268648102      390    28516 SH       SOLE                    28516
EMC CORPORATION                COM              268648102       12      900 SH       OTHER                     900
EXELON CORPORATION             COM              30161N101      178     3470 SH       SOLE                     3470
EXELON CORPORATION             COM              30161N101       31      620 SH       OTHER                     620
EXXON MOBIL CORPORATION        COM              30231G102     4992    86872 SH       SOLE                    85522              1350
EXXON MOBIL CORPORATION        COM              30231G102      275     4796 SH       OTHER                    4796
FIRST FEDERAL DOVER FINANCIAL  COM              30243C107      257    15150 SH       DEFINED                                   15150
FIFTH THIRD BANCORP            COM              316773100      596    14484 SH       SOLE                    13034              1450
FIRST DATA CORPORATION         COM              319963104      511    12746 SH       SOLE                    10821              1925
FIRST DATA CORPORATION         COM              319963104       17      435 SH       OTHER                     435
GANNETT CO INC COMMON          COM              364730101      503     7081 SH       SOLE                     6381               700
GANNETT CO INC COMMON          COM              364730101      994    13976 SH       OTHER                   13976
GENERAL ELECTRIC CO COMMON     COM              369604103     4300   124108 SH       SOLE                   124108
GENERAL ELECTRIC CO COMMON     COM              369604103      366    10581 SH       DEFINED                                   10581
GENERAL ELECTRIC CO COMMON     COM              369604103      169     4901 SH       OTHER                    4901
HEARTLAND BANCORP              COM              421962101     4071   113102 SH       DEFINED                                  113102
HOME DEPOT                     COM              437076102      894    22997 SH       SOLE                    21332              1665
HUMANA INC COMMON              COM              444859102      284     7150 SH       SOLE                     7150
INTEL CORP                     COM              458140100     1905    73244 SH       SOLE                    73244
INTEL CORP                     COM              458140100       36     1400 SH       OTHER                    1400
INTERNATIONAL BUSINESS MACH CO COM              459200101      198     2680 SH       SOLE                     2680
INTERNATIONAL BUSINESS MACH CO COM              459200101       94     1280 SH       OTHER                    1280
ISHARES DJ SELECT DIV          COM              464287168     4611    74707 SH       SOLE                    74707
ISHARES DJ SELECT DIV          COM              464287168      634    10286 SH       OTHER                    8086              2200
I SHARES S & P 500 INDEX       COM              464287200     1756    14744 SH       SOLE                    14744
I SHARES S&P 500 BARRA GROWTH  COM              464287309      632    11200 SH       SOLE                    11200
I SHARES S&P 500 BARRA GROWTH  COM              464287309       79     1415 SH       OTHER                    1415
ISHARES GOLDMAN SACHS NATURAL  COM              464287374      292     3854 SH       SOLE                     3854
I SHARES S&P 500 BARRA VALUE   COM              464287408     3366    53997 SH       SOLE                    53997
I SHARES S&P 500 BARRA VALUE   COM              464287408      478     7672 SH       OTHER                    5072              2600
ISHARES MSCI EAFE INDEX FOREIG COM              464287465     9455   180474 SH       SOLE                   180474
ISHARES MSCI EAFE INDEX FOREIG COM              464287465      940    17952 SH       OTHER                   17952
ISHARES RUSSELL MIDCAP GROWTH  COM              464287481      663     7747 SH       SOLE                     7747
ISHARES RUSSELL MIDCAP GROWTH  COM              464287481       50      585 SH       OTHER                     585
ISHARES RUSSELL MIDCAP         COM              464287499      527     6398 SH       SOLE                     6398
I SHARES S&P 400 MIDCAP        COM              464287507     4048    59102 SH       SOLE                    59102
I SHARES S&P 400 MIDCAP        COM              464287507      361     5276 SH       OTHER                    4690               586
I SHARES RUSSELL 1000 VALUE    COM              464287598     4585    68808 SH       SOLE                    68808
I SHARES RUSSELL 1000 VALUE    COM              464287598      224     3370 SH       OTHER                    1900              1470
I SHARES S&P 400 MIDCAP GROWTH COM              464287606      592     8530 SH       SOLE                     8530
I SHARES S&P 400 MIDCAP GROWTH COM              464287606       29      426 SH       OTHER                     426
I SHARES RUSSELL 1000 GROWTH   COM              464287614     1853    38617 SH       SOLE                    38617
I SHARES RUSSELL 1000 GROWTH   COM              464287614      174     3630 SH       OTHER                    3630
I SHARES RUSSELL 1000          COM              464287622     2268    35186 SH       SOLE                    35186
I SHARES RUSSELL 1000          COM              464287622      939    14582 SH       OTHER                   12382              2200
I SHARES RUSSELL 2000          COM              464287655      303     4770 SH       SOLE                     4770
I SHARES S&P 400 MIDCAP VALUE  COM              464287705     2355    35290 SH       SOLE                    35290
I SHARES S&P 400 MIDCAP VALUE  COM              464287705       46      700 SH       OTHER                                       700
ISHARES DJ US TECHNOLOGY       COM              464287721      328     7176 SH       SOLE                     7176
ISHARES DJ US TECHNOLOGY       COM              464287721       14      308 SH       OTHER                     308
ISHARES DJ US REAL ESTATE      COM              464287739      961    15118 SH       SOLE                    15118
ISHARES DJ US REAL ESTATE      COM              464287739       37      590 SH       OTHER                     590
I SHARES S&P 600 SMALL CAP     COM              464287804     1643    29874 SH       SOLE                    29874
I SHARES S&P 600 SMALL CAP     COM              464287804       16      300 SH       OTHER                     300
I SHARES S&P 600 SMALL CAP VAL COM              464287879      269     4370 SH       SOLE                     4370
I SHARES S&P 600 SMALL CAP GRO COM              464287887      354     3252 SH       SOLE                     3252
J P MORGAN CHASE & CO          COM              46625H100      148     4193 SH       SOLE                     4193
J P MORGAN CHASE & CO          COM              46625H100       64     1813 SH       OTHER                    1400               413
JOHNSON & JOHNSON              COM              478160104     1708    26278 SH       SOLE                    26278
JOHNSON & JOHNSON              COM              478160104       39      600 SH       OTHER                     600
ELI LILLY                      COM              532457108      366     6570 SH       SOLE                     6570
ELI LILLY                      COM              532457108       38      700 SH       OTHER                     700
MASSEY ENERGY                  COM              576206106      295     7830 SH       SOLE                     7830
MAXIM INTEGRATED PRODUCTS INC  COM              57772K101      233     6110 SH       SOLE                     6110
MEDTRONIC INC                  COM              585055106      272     5255 SH       SOLE                     5255
MICROSOFT                      COM              594918104     1096    44144 SH       SOLE                    44144
MICROSOFT                      COM              594918104       50     2040 SH       OTHER                    2040
NATL CITY CORP CLEVELAND COMMO COM              635405103      204     5981 SH       SOLE                     5981
NATL CITY CORP CLEVELAND COMMO COM              635405103       12      360 SH       OTHER                     360
NIKE CLASS B                   COM              654106103      279     3230 SH       SOLE                     2430               800
P P G INDUSTRIES INC COMMON    COM              693506107      317     5066 SH       SOLE                     5066
PANHANDLE ROYALTY CO.          COM              698477106      214     7500 SH       SOLE                     7500
PEOPLES BANCORP INC.           COM              709789101     4871   182093 SH       SOLE                   127292    152214
PEOPLES BANCORP INC.           COM              709789101                   SH       DEFINED
PEOPLES BANCORP INC.           COM              709789101    22908   856362 SH       OTHER                   54801    704184
PEPSICO                        COM              713448108     1022    18953 SH       SOLE                    18953
PEPSICO                        COM              713448108       23      437 SH       OTHER                     437
PFIZER INC COMMON              COM              717081103      343    12454 SH       SOLE                    12454
PFIZER INC COMMON              COM              717081103       76     2788 SH       OTHER                    2788
PRAXAIR INC.                   COM              74005P104      204     4390 SH       SOLE                     4390
PRAXAIR INC.                   COM              74005P104       41      895 SH       OTHER                     895
PROCTER & GAMBLE COMPANY COMMO COM              742718109     1657    31421 SH       SOLE                    31421
PROCTER & GAMBLE COMPANY COMMO COM              742718109       49      940 SH       OTHER                     940
ROCKY SHOES & BOOTS            COM              774830103     5805   185777 SH       OTHER                   23005            162772
RYDEX S&P 500 EQUAL-WEIGHT EFT COM              78355W106     6814    43721 SH       SOLE                    43721
RYDEX S&P 500 EQUAL-WEIGHT EFT COM              78355W106      792     5084 SH       OTHER                    5084
SBC COMMUNICATIONS INC         COM              78387G103      355    14983 SH       SOLE                    14983
SBC COMMUNICATIONS INC         COM              78387G103       46     1953 SH       OTHER                    1953
S & P 500 DEPOSITARY RECEIPT S COM              78462F103     3446    28915 SH       SOLE                    28915
S & P 500 DEPOSITARY RECEIPT S COM              78462F103      112      940 SH       OTHER                     940
SIMON PPTY GROUP INC NEW       COM              828806109      505     6977 SH       SOLE                     6977
SIMON PPTY GROUP INC NEW       COM              828806109       22      304 SH       OTHER                     304
SKY FINANCIAL GROUP INC        COM              83080P103      203     7205 SH       DEFINED                                    7205
STAPLES INC                    COM              855030102      488    22927 SH       SOLE                    22927
TARGET CORPORATION             COM              87612E106      960    17647 SH       SOLE                    17647
TARGET CORPORATION             COM              87612E106       26      480 SH       OTHER                     480
3M COMPANY                     COM              88579Y101      884    12236 SH       SOLE                    12236
3M COMPANY                     COM              88579Y101       15      208 SH       OTHER                     208
US BANCORP DEL                 COM              902973304      386    13225 SH       SOLE                    13225
US BANCORP DEL                 COM              902973304        0       32 SH       OTHER                      32
UNITED BANKSHARES INC          COM              909907107     1164    32700 SH       SOLE                    32700
UNITED TECHNOLOGIES INC        COM              913017109     1278    24894 SH       SOLE                    23334              1560
UNITED TECHNOLOGIES INC        COM              913017109       10      206 SH       OTHER                     206
UNIZAN FINANCIAL CORP          COM              91528W101      943    35225 SH       SOLE                                      35225
VERIZON COMMUNICATIONS         COM              92343V104      712    20630 SH       SOLE                    20630
VERIZON COMMUNICATIONS         COM              92343V104       58     1690 SH       OTHER                    1690
WACHOVIA CORP                  COM              929903102      477     9627 SH       SOLE                     9627
WAL MART STORES INC            COM              931142103      397     8245 SH       SOLE                     7245              1000
WAL MART STORES INC            COM              931142103       14      300 SH       OTHER                     300
WALGREEN CO COMMON             COM              931422109     1297    28210 SH       SOLE                    28210
WALGREEN CO COMMON             COM              931422109       73     1589 SH       OTHER                    1589
WELLS FARGO AND COMPANY        COM              949746101     1188    19304 SH       SOLE                    18009              1295
WELLS FARGO AND COMPANY        COM              949746101       20      341 SH       OTHER                     341
WESBANCO                       COM              950810101      281     9391 SH       SOLE                     9391
WESBANCO                       COM              950810101       89     2985 SH       OTHER                    1425              1560
WYETH COMM                     COM              983024100     3072    69050 SH       SOLE                    69050
WYETH COMM                     COM              983024100      133     3000 SH       OTHER                    3000
ACCENTURE LTD CLASS A          COM              G1150G111      244    10795 SH       SOLE                    10795