X0201 42003-07-15 0000811671 STERLING FINANCIAL CORP /PA/ SLFI 0001220809 CARENZO MICHAEL A 144 AZALEA DRIVE HERSHEY PA 17033 1000Common Stock2003-07-154A062525.20A1817.786D5,179.369 shares owned indirectly by spouseMichael A. Carenzo2003-08-27