X0201 32003-10-31 0 0001236964 KNBT BANCORP INC KNBT 0001247018 KOVACS CARL F C/O KEYSTONE NAZARETH BANK & TRUST CO. 90 HIGHLAND AVENUE BETHLEHEM PA 18017 0100See Footnote (1)No Securities Owned0D(1) - Senior Vice President and Chief Information Officer of Keystone Nazareth Bank & Trust Company (Issuer Subsidiary).Carl F. Kovacs2003-11-04