S&T Bancorp Inc. Watch

from 10-Q 1 page Certification I, Mark Kochvar, Certify That

from 10-K 1 page Certification of Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Todd D. Brice, Certify That: 1. I Have Reviewed This Annual Report on Form 10-K of S&T Bancorp, Inc.;

from S-3 24 pages Exhibit (1)(c) S&T Capital Trust Capital Securities Guaranteed to the Extent Set Forth in the Guarantees by S&T Bancorp, Inc. Underwriting Agreement

from S-3 18 pages Exhibit (1)(b) S&T Bancorp, Inc. Debt Securities Underwriting Agreement

from S-3 18 pages Exhibit (1)(a) S&T Bancorp, Inc. [Preferred Stock, No Par Value] [Depositary Shares] [Common Stock, $2.50 Par Value] [Warrants] Underwriting Agreement

from S-3 ~10 pages Exhibit (1)(c) S&T Capital Trust Capital Securities Guaranteed to the Extent Set Forth in the Guarantees by S&T Bancorp, Inc. Underwriting Agreement

from S-3 ~10 pages Exhibit (1)(b) S&T Bancorp, Inc. Debt Securities Underwriting Agreement

from S-3 ~10 pages Exhibit (1)(a) S&T Bancorp, Inc. [Preferred Stock, No Par Value] [Depositary Shares] [Common Stock, $2.50 Par Value] [Warrants] Underwriting Agreement

from 10-Q 1 page [Article] 9 This Schedule Contains Summary Financial Information Extracted From SEC Form 10-Q and Is Qualified in Its Entirety by Reference to Such Financial Statements. <table> <s> <c> [Period-Type] Year [Fiscal-Year-End] Dec-31-1998 [Period-End] Jun-30-1999 [Cash] 37399 [Int-Bearing-Deposits] 51 [Fed-Funds-Sold] 12700 [Trading-Assets] 0 [Investments-Held-For-Sale] 576795 [Investments-Carrying] 21846 [Investments-Market] 22348 [Loans] 1386257 [Allowance] 28224 [Total-Assets] 2131948 [Deposits] 1392651 [Short-Term] 206186 [Liabilities-Other] 45464 [Long-Term] 240068 [Preferred-Mandatory] 0 [Preferred] 0 [Common] 74285 [Other-Se] 173294 [Total-Liabilities-And-Equity] 2131948 [Interest-Loan] 58155 [Interest-Invest] 17162 [Interest-Other] 261 [Interest-Total] 75578 [Interest-Deposit] 23066 [Interest-Expense] 32897 [Interest-Income-Net] 42681 [Loan-Losses] 2000 [Securities-Gains] 1826 [Expense-Other] 21330 [Income-Pretax] 29110 [Income-Pre-Extraordinary] 29110 [Extraordinary] 0 [Changes] 0 [Net-Income] 20284 [EPS-Basic] 0.74 [EPS-Diluted] 0.74 [Yield-Actual] 4.64 [Loans-Non] 3761 [Loans-Past] 3761 [Loans-Troubled] 0 [Loans-Problem] 0 [Allowance-Open] 26677 [Charge-Offs] 2700 [Recoveries] 2247 [Allowance-Close] 28224 [Allowance-Domestic] 0 [Allowance-Foreign] 0 [Allowance-Unallocated] 0 </Table>

from 13F-HR ~5 pages Underwriting agreement

from 10-Q 1 page [Article] 9 [Legend] "This Schedule Contains Summary Financial Information Extracted From SEC Form 10-Q and Is Qualified in Its Entirety by Reference to Such Financial Statements." [S] [C] [Period-Type] Year [Fiscal-Year-End] Dec-31-1997 [Period-End] Sep-30-1998 [Cash] 42,550 [Int-Bearing-Deposits] 50 [Fed-Funds-Sold] 0 [Trading-Assets] 0 [Investments-Held-For-Sale] 571,498 [Investments-Carrying] 33,025 [Investments-Market] 33,956 [Loans] 1,318,509 [Allowance] 24,791 [Total-Assets] 2,037,077 [Deposits] 1,371,446 [Short-Term] 137,366 [Liabilities-Other] 47,861 [Long-Term] 229,198 [Preferred-Mandatory] 0 [Preferred] 0 [Common] 74,285 [Other-Se] 176,921 [Total-Liabilities-And-Equity] 251,206 [Interest-Loan] 85,791 [Interest-Invest] 27,052 [Interest-Other] 223 [Interest-Total] 113,066 [Interest-Deposit] 37,000 [Interest-Expense] 51,656 [Interest-Income-Net] 61,410 [Loan-Losses] 8,050 [Securities-Gains] 8,539 [Expense-Other] 31,258 [Income-Pretax] 40,201 [Income-Pre-Extraordinary] 40,201 [Extraordinary] 0 [Changes] 0 [Net-Income] 28,189 [EPS-Primary] 1.02 [EPS-Diluted] 1.00 [Yield-Actual] 4.63 [Loans-Non] 3,609 [Loans-Past] 0 [Loans-Troubled] 0 [Loans-Problem] 0 [Allowance-Open] 20,427 [Charge-Offs] 4,787 [Recoveries] 1,101 [Allowance-Close] 24,791 [Allowance-Domestic] 24,791 [Allowance-Foreign] 0 [Allowance-Unallocated] 0

from 8-K 1 page Exhibit (99) Press Release