4 2003-06-18 0 0001104901 PEOPLES FIRST INC PPFR 0001237218 ANDRESS JAY L 0 1 0 0 Senior Vice President Employee Stock Option (right to buy) 24.125 2003-06-17 4 A 0 4500 0 A 2004-06-17 2013-07-17 Common Stock 4500 4500 D Includes shares acquired under the Company's 401(k) Plan which meets the requirements of SEC Rule 16a-11. The reporting person disclaims beneficial ownership of these securities and the filing of this report shall not be deemed an admission that the reporting person is the beneficial owner of such securities for purpose of Section 16 or for any other purpose. Barbara P. Hill by Power of Attorney for Jay L. Andress 2003-06-18