UNITED STATES
                           SECURITIES AND EXCHANGE COMMISSION
                               Washington, D.C.  20549
                                       FORM 13F
                                 FORM 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: 12/31/2008

Check here if Amendment       [ ]             Amendment Number:

This Amendment                [ ]             is a restatement.

                              [ ]             adds new holdings entries.

Institutional Investment Manager Filing this Report:

Name:       PEOPLES BANK NTL ASSOCIATION
Address:    P O BOX 738
            MARIETTA, OH 45750


13F File Number: 28-10656

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 T WESEL
Title: EXECUTIVE VICE PRESIDENT
Phone: 740 373 2932
Signature, Place, and Date of Signing:



/s/ DAVID T. WESEL               MARIETTA, OH          02/06/2009
    ------------------------
    David T. Wesel



Report Type     (Check only one)
                [X]            13F HOLDINGS REPORT
                [ ]            13F NOTICE
                [ ]            13F COMBINATION REPORT


                             FORM 13F SUMMARY PAGE
Report Summary:

Number of Other Included Managers:                0

Form 13F Information Table Entry Total:           78

Form 13F Information Table Value Total:           $82,835

List of Other Included Managers:

Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment Managers with respect to which this report is filed,
other than the Manager filing this report.


No.         13F File Number         Name

                                    NONE





FORM 13F INFORMATION TABLE


                                                VALUE    SHS                 INVSTMT    OTHER             VOTING AUTHORITY
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    DISCRTN    MANAGERS        SOLE     SHARED    NONE
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL
                                                                                          

ABBOTT             COMMON STOCK      002824100     709     13280 SH          DEFINED    1               13280
LABORATORIES

AUTOMATIC DATA     COMMON STOCK      053015103     447     11361 SH          DEFINED    1               11361
PROCESSING

BP AMOCO PLC       COMMON STOCK      055622104     760     16269 SH          DEFINED    1               16269
SPONS ADR

THE BANK OF NEW    COMMON STOCK      064058100     350     12357 SH          DEFINED    1               12357
YORK MELLON CORP

BAXTER             COMMON STOCK      071813109     562     10480 SH          DEFINED    1                9400
                                                                                        1                                    1080
INTERNATIONAL

BRISTOL MYERS      COMMON STOCK      110122108     367     15770 SH          DEFINED    1               13190
                                                                                        1                                    2580
SQUIBB

BURLINGTON         COMMON STOCK      12189T104     245      3240 SH          DEFINED    1                2580
                                                                                        1                                     660
NORTHERN SANTE FE

CAMCO FINANCIAL    COMMON STOCK      132618109     104     32737 SH          DEFINED    1               32737
CORP

CHEVRON            COMMON STOCK      166764100    3193     43171 SH          DEFINED    1               43171
CORPORATION

CISCO SYSTEMS      COMMON STOCK      17275R102     187     11475 SH          DEFINED    1               11475


COLUMN TOTALS                                     6924








                                                      FORM 13F INFORMATION TABLE


                                                VALUE    SHS                 INVSTMT    OTHER              VOTING AUTHORITY
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    DISCRTN    MANAGERS          SOLE     SHARED    NONE
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL
                                                                                            

COCA COLA          COMMON STOCK      191216100     462     10209 SH          DEFINED    1                9761
                                                                                        1                                     448

COLGATE PALMOLIVE  COMMON STOCK      194162103     630      9195 SH          DEFINED    1                9005
                                                                                        1                                     190

CONOCOPHILLIPS     COMMON STOCK      20825C104     410      7918 SH          DEFINED    1                7918

DANAHER CORP       COMMON STOCK      235851102     458      8090 SH          DEFINED    1                7290
                                                                                        1                                     800

DEERE & CO         COMMON STOCK      244199105     246      6425 SH          DEFINED    1                6425

DOW JONES          MUTUAL FUNDS -    252787106    1874     21410 SH          DEFINED    1               21410
INDUSTRIAL TRUST   EQUITY

DOMINION           COMMON STOCK      25746U109     249      6952 SH          DEFINED    1                6952
RESOURCES INC

EMC CORPORATION    COMMON STOCK      268648102     189     18085 SH          DEFINED    1               18085

EMERSON ELECTRIC   COMMON STOCK      291011104     321      8775 SH          DEFINED    1                8775

EXELON             COMMON STOCK      30161N101     576     10357 SH          DEFINED    1               10357
CORPORATION

EXXON MOBIL        COMMON STOCK      30231G102    5101     63892 SH          DEFINED    1               63262
                                                                                        1                                     630
CORPORATION

FPL GROUP INC      COMMON STOCK      302571104     208      4140 SH          DEFINED    1                3835
                                                                                        1                                     305

COLUMN TOTALS                                    10724








                                                      FORM 13F INFORMATION TABLE


                                                VALUE    SHS                 INVSTMT    OTHER              VOTING AUTHORITY
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    DISCRTN    MANAGERS        SOLE      SHARED    NONE
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL
                                                                                           


FISERV             COMMON STOCK      337738108     287      7880 SH          DEFINED    1                6840
                                                                                        1                                    1040

FORTUNE BRANDS     COMMON STOCK      349631101     277      6707 SH          DEFINED    1                6707
INC

GENERAL ELECTRIC   COMMON STOCK      369604103     542     33434 SH          DEFINED    1               32574
                                                                                        1                                     860
CO

                                     369604103       5       300 SH          DEF/OTH    1                 300

GENZYME            COMMON STOCK      372917104     219      3305 SH          DEFINED    1                2410
                                                                                        1                                     895

GILEAD SCIENCES    COMMON STOCK      375558103     379      7415 SH          DEFINED    1                7415
INC

INTEL CORP         COMMON STOCK      458140100     147     10054 SH          DEFINED    1               10054

IBM                COMMON STOCK      459200101     611      7255 SH          DEFINED    1                6865
                                                                                        1                                     390

ISHARES            MUTUAL FUNDS -    464287101    1711     39595 SH          DEFINED    1               39595
                   EQUITY

                                     464287101      99      2295 SH          DEF/OTH    1                2295

ISHARES            MUTUAL FUNDS -    464287200     916     10138 SH          DEFINED    1               10138
                   EQUITY


COLUMN TOTALS                                     5193








                                                      FORM 13F INFORMATION TABLE


                                                VALUE    SHS                 INVSTMT    OTHER              VOTING AUTHORITY
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    DISCRTN    MANAGERS        SOLE      SHARED    NONE
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL
                                                                                           

ISHARES            MUTUAL FUNDS -    464287234     448     17932 SH          DEFINED    1               17932
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287309     935     20814 SH          DEFINED    1               19114
                                                                                        1                                    1700
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287408     544     12030 SH          DEFINED    1               12030
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287440     201      2037 SH          DEFINED    1                2037
                   TAXABLE INCOME

ISHARES            MUTUAL FUNDS -    464287465    2395     53390 SH          DEFINED    1               51022
                                                                                        1                                    2368
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287507    2947     55267 SH          DEFINED    1               52992
                                                                                        1                                    2275
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287598    2355     47551 SH          DEFINED    1               47551
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287606    1649     29731 SH          DEFINED    1               27973
                                                                                        1                                    1758
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287614    2166     58436 SH          DEFINED    1               58142
                                                                                        1                                     294
                   EQUITY


COLUMN TOTALS                                    13640








                                                      FORM 13F INFORMATION TABLE


                                                VALUE    SHS                 INVSTMT    OTHER              VOTING AUTHORITY
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    DISCRTN    MANAGERS        SOLE      SHARED    NONE
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL
                                                                                           

ISHARES            MUTUAL FUNDS -    464287622    4635     94838 SH          DEFINED    1               93973
                                                                                        1                                     865
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287705    1339     26622 SH          DEFINED    1               26622
                   EQUITY

ISHARES            MUTUAL FUNDS -    464287804    1676     38108 SH          DEFINED    1               37488
                                                                                        1                                     620
                   EQUITY

ISHARES            MUTUAL FUNDS -    464288414     637      6395 SH          DEFINED    1                6395
                   TAX FREE INCOME

ISHARES            MUTUAL FUNDS -    464288802     595     15521 SH          DEFINED    1                2766
                                                                                        1                                   12755
                   EQUITY

ISHARES            MUTUAL FUNDS -    464288885    1704     37495 SH          DEFINED    1               36390
                                                                                        1                                    1105
                   EQUITY

JOHNSON & JOHNSON  COMMON STOCK      478160104    1045     17464 SH          DEFINED    1               16689
                                                                                        1                                     775

KELLOGG CO         COMMON STOCK      487836108     276      6300 SH          DEFINED    1                6300

KROGER CO          COMMON STOCK      501044101     363     13740 SH          DEFINED    1               13740

LOCKHEED MARTIN    COMMON STOCK      539830109     235      2794 SH          DEFINED    1                2794
CORP


COLUMN TOTALS                                    12505








                                                      FORM 13F INFORMATION TABLE


                                                VALUE    SHS                 INVSTMT    OTHER              VOTING AUTHORITY
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    DISCRTN    MANAGERS        SOLE      SHARED    NONE
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL
                                                                                           

MCDONALDS          COMMON STOCK      580135101     706     11358 SH          DEFINED    1               11358

MICROSOFT          COMMON STOCK      594918104     434     22335 SH          DEFINED    1               22335

MONSANTO CO        COMMON STOCK      61166W101     377      5356 SH          DEFINED    1                5356

NORTHROP GRUMMAN   COMMON STOCK      666807102     282      6258 SH          DEFINED    1                5008
                                                                                        1                                    1250
CORP.

OCCIDENTAL         COMMON STOCK      674599105     299      4982 SH          DEFINED    1                4982
PETROLEUM CORP

ORACLE             COMMON STOCK      68389X105     745     41992 SH          DEFINED    1               41992
CORPORATION

PANHANDLE          COMMON STOCK      698477106     180     10000 SH          DEFINED    1               10000
ROYALTY CO.
CLASS A

PEOPLES BANCORP    COMMON STOCK      709789101    3271    171016 SH          DEFINED    1              160477
                                                                                        1                         10539

INC.
                                     709789101   15754    823547 SH          DEF/OTH    1             136642
                                                                                        1                        686905

PEPSICO            COMMON STOCK      713448108     303      5526 SH          DEFINED    1                5526

PRICE T ROWE       COMMON STOCK      74144T108     258      7280 SH          DEFINED    1                6490
                                                                                        1                                     790

COLUMN TOTALS                                    22609








                                                      FORM 13F INFORMATION TABLE


                                                VALUE    SHS                 INVSTMT    OTHER              VOTING AUTHORITY
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    DISCRTN    MANAGERS        SOLE      SHARED    NONE
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL
                                                                                           

GROUP INC

PROCTER & GAMBLE   COMMON STOCK      742718109    1112     17987 SH          DEFINED    1               17987
CO

ROCKY BRANDS INC   COMMON STOCK      774515100     661    163724 SH          DEF/OTH    1                                  163724

RYDEX              MUTUAL FUNDS -    78355W106     834     30014 SH          DEFINED    1               30014
                   EQUITY

RYDEX              MUTUAL FUNDS -    78355W205    1835     25713 SH          DEFINED    1               25108
                                                                                        1                                     605
                   EQUITY

S & P 500          MUTUAL FUNDS -    78462F103    3140     34799 SH          DEFINED    1               34799
DEPOSITARY         EQUITY
RECEIPT

SIMON PPTY GROUP   COMMON STOCK      828806109     222      4171 SH          DEFINED    1                4171
INC NEW

SOUTHERN CO        COMMON STOCK      842587107     369      9965 SH          DEFINED    1                9965

STAPLES INC        COMMON STOCK      855030102     343     19142 SH          DEFINED    1               19142

SYMANTEC CORP      COMMON STOCK      871503108     180     13295 SH          DEFINED    1               13295

3M COMPANY         COMMON STOCK      88579Y101     372      6470 SH          DEFINED    1                5670
                                                                                        1                                     800

US BANCORP DEL     COMMON STOCK      902973304     419     16760 SH          DEFINED    1               16760


COLUMN TOTALS                                     9487








                                                      FORM 13F INFORMATION TABLE


                                                VALUE    SHS                 INVSTMT    OTHER              VOTING AUTHORITY
NAME OF ISSUER     TITLE                          X      PRN     SH   PUT    DISCRTN    MANAGERS        SOLE      SHARED    NONE
SECURITY NAME      OF CLASS          CUSIP      $1000    AMOUNT  PRN  CALL
                                                                                           

UNITED TECH CORP   COMMON STOCK      913017109     725     13535 SH          DEFINED    1               12085
                                                                                        1                                    1450

VERIZON            COMMON STOCK      92343V104     341     10066 SH          DEFINED    1               10066
COMMUNICATIONS

WAL MART STORES    COMMON STOCK      931142103     468      8350 SH          DEFINED    1                7835
                                                                                        1                                     515
INC

WYETH COMM         COMMON STOCK      983024100     219      5840 SH          DEFINED    1                5840


COLUMN TOTALS                                     1753


AGGREGATE TOTAL                                  82835