4 2003-06-18 0 0001104901 PEOPLES FIRST INC PPFR 0001237213 FRETZ CARL R 1 0 0 0 Employee Stock Option (right to buy) 24.125 2003-06-17 4 A 0 2500 0 A 2004-06-17 2013-07-17 Common Stock 2500 2500 D 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 Carl R. Fretz 2003-06-18