UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F COVER PAGE Report for the Calendar Year or Quarter Ended 9/30/05 ----------------- Check here if Amendment [ ]; Amendment Number: ---- This Amendment (Check only one.): [ ] is a restatement. [ ] adds new holdings entries Institutional Investment Manager Filing this Report: Name: PEAPACK GLADSTONE FINANCIAL CORPORATION ----------------------------------------------------------------------- Address: 158 Route 206 North ----------------------------------------------------------------------- Gladstone, NJ 07934 ----------------------------------------------------------------------- ----------------------------------------------------------------------- Form 13F File Number: 28- ------------- The Institutional Investment Manager filing this report and the person by whom it is signed 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: ROY C. MILLER ------------------------------------------------------------------------- Title: Vice President ------------------------------------------------------------------------- Phone: 908 719 3306 ------------------------------------------------------------------------- Signature, Place, and Date of Signing: Roy C. Miller Gladstone, NJ 11/04/05 ------------------------------- -------------------------- ------------ [Signature] [City, State] [Date] Report Type (Check only one.): [X] 13F HOLDINGS REPORT. (Check if all holdings of this reporting manager are reported in this report.) [ ] 13F NOTICE. (Check if no holdings reported are in this report, and all holdings are reported in this report and a portion are reported by other reporting manager(s).) [ ] 13F COMBINATION REPORT. (Check if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).) List of Other Managers Reporting for this Manager: [If there are no entries in this list, omit this section.] Form 13F File Number Name 28- --------------------------- ----------------------------- [Repeat as necessary.] FORM 13F SUMMARY PAGE Report Summary: Number of Other Included Managers: 0 --------- Form 13F Information Table Entry Total: 9,873,435 --------- Form 13F Information Table Value Total: 399,889 --------- (thousands) 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. Form 13F File Number Name 01 28 - 02 28 - 03 28 - FORM 13F INFORMATION TABLE VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY NAME OF ISSUER TITLE OF CLASS CUSIP (X$1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE ------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- -------- DAIMLERCHRYSLER AG ORD D1668R123 57 1080 SH DEFINED 748 332 0 INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 76 2000 SH SOLE 2000 0 0 INGERSOLL RAND COMPANY CLASS A COMMON G4776G101 468 12260 SH DEFINED 12260 0 0 NABORS INDUSTRIES LTD COM G6359F103 788 10975 SH SOLE 10675 0 300 NABORS INDUSTRIES LTD COM G6359F103 172 2400 SH DEFINED 2100 300 0 NOBLE CORP G65422100 2 40 SH SOLE 40 0 0 TRANSOCEAN INC G90078109 576 9395 SH SOLE 9295 0 100 TRANSOCEAN INC G90078109 321 5242 SH DEFINED 2442 2800 0 ALCON INC H01301102 1046 8180 SH SOLE 8180 0 0 ALCON INC H01301102 607 4750 SH DEFINED 4150 600 0 GILAT SATELLITE NETWORKS LTD M51474118 0 120 SH SOLE 120 0 0 ORTHOFIX INTERNATIONAL N.V. N6748L102 1 44 SH SOLE 44 0 0 FLEXTRONICS INTERNATIONAL Y2573F102 1 119 SH SOLE 119 0 0 FLEXTRONICS INTERNATIONAL Y2573F102 46 3600 SH DEFINED 2900 0 700 TEEKAY SHIPPING CORP Y8564W103 86 2000 SH DEFINED 2000 0 0 ACCO BRANDS CORP 00081T108 257 9134 SH SOLE 9134 0 0 ACCO BRANDS CORP 00081T108 127 4538 SH DEFINED 3764 628 146 AFLAC INCORPORATED 001055102 38 845 SH SOLE 845 0 0 AFLAC INCORPORATED 001055102 54 1200 SH DEFINED 0 1200 0 AGCO CORPORATION 001084102 54 3000 SH DEFINED 3000 0 0 AGL RESOURCES INC COM 001204106 6 174 SH DEFINED 174 0 0 AES CORPORATION 00130H105 13 833 SH SOLE 833 0 0 AES CORPORATION 00130H105 31 1905 SH DEFINED 1905 0 0 AT&T CORP NEW 001957505 16 846 SH SOLE 846 0 0 AT&T CORP NEW 001957505 10 553 SH DEFINED 533 20 0 AVI BIOPHARMA INC 002346104 153 58500 SH DEFINED 58500 0 0 AASTROM BIOSCIENCES 00253U107 8 3500 SH DEFINED 3500 0 0 ABBOTT LABS COM 002824100 302 7146 SH SOLE 7146 0 0 ABBOTT LABS COM 002824100 616 14536 SH DEFINED 11036 3500 0 ABERCROMBIE & FITCH 002896207 9 200 SH DEFINED 200 0 0 ABBEY NATIONAL PLC 7.375% PFD 002920700 32 1200 SH SOLE 1200 0 0 ADAMS EXPRESS COMPANY 006212104 14 1085 SH DEFINED 1085 0 0 ADESA INC 00686U104 8 400 SH DEFINED 400 0 0 ADOBE SYSTEMS INCORPORATED 00724F101 3136 105100 SH SOLE 104400 0 700 ADOBE SYSTEMS INCORPORATED 00724F101 1562 52355 SH DEFINED 45080 6475 800 AGERE SYS INC COMMON 00845V308 0 75 SH DEFINED 75 0 0 AGILENT TECHNOLOGIES 00846U101 20 638 SH DEFINED 257 381 0 AIR PRODUCTS & CHEMICALS INC 009158106 1793 32540 SH SOLE 31570 0 970 AIR PRODUCTS & CHEMICALS INC 009158106 877 15915 SH DEFINED 14090 1825 0 AIRTRAN HOLDINGS INC COM 00949P108 1 100 SH DEFINED 100 0 0 ALBERTO CULVER CO COM 013068101 643 14375 SH SOLE 14025 0 350 ALBERTO CULVER CO COM 013068101 120 2700 SH DEFINED 2150 0 550 ALCOA INC COM 013817101 17 700 SH SOLE 700 0 0 ALCOA INC COM 013817101 0 37 SH DEFINED 0 37 0 ALLERGAN INC COM 018490102 36 400 SH DEFINED 200 200 0 ALLETE INC COM NEW 018522300 6 133 SH DEFINED 133 0 0 ALLIANCE CAPITAL MANAGEMENT HOLDING LP 01855A101 23 500 SH SOLE 500 0 0 ALLIANCE CAPITAL MANAGEMENT HOLDING LP 01855A101 10 225 SH DEFINED 225 0 0 ALLIANCE RESOURCE PARTNERS L P 01877R108 91 2000 SH DEFINED 2000 0 0 ALLIANT ENERGY CORP COM 018802108 13 480 SH SOLE 480 0 0 ALLIANT ENERGY CORP COM 018802108 62 2132 SH DEFINED 2132 0 0 ALLIANT TECHNOLOGIES 018804104 29 400 SH DEFINED 0 400 0 ALLIED CAPITAL CORP NEW 01903Q108 57 2000 SH SOLE 2000 0 0 ALLIED IRISH BANKS PLC ADR 019228402 21 500 SH SOLE 500 0 0 ALLMERICA FINANCIAL CORPORATION 019754100 12 309 SH SOLE 309 0 0 ALLMERICA FINANCIAL CORPORATION 019754100 7 177 SH DEFINED 177 0 0 ALLSTATE CORP COM 020002101 120 2182 SH SOLE 2000 0 182 ALLSTATE CORP COM 020002101 87 1584 SH DEFINED 1184 400 0 ALLTELL CORPORATION 020039103 462 7100 SH SOLE 7100 0 0 ALLTELL CORPORATION 020039103 199 3058 SH DEFINED 2058 1000 0 ALTRIA GROUP INC 02209S103 12 170 SH SOLE 170 0 0 ALTRIA GROUP INC 02209S103 655 8900 SH DEFINED 8400 0 500 AMBAC FINANCIAL GROUP INC 023139108 122 1700 SH DEFINED 1700 0 0 AMEREN CORP COM 023608102 197 3700 SH DEFINED 3700 0 0 AMERICA MOVIL ADR 02364W105 31 1200 SH DEFINED 1200 0 0 AMERICAN ELEC PWR INC COM 025537101 105 2670 SH SOLE 2670 0 0 AMERICAN ELEC PWR INC COM 025537101 132 3326 SH DEFINED 3326 0 0 AMERICAN EXPRESS CO COM 025816109 157 2751 SH SOLE 2751 0 0 AMERICAN EXPRESS CO COM 025816109 476 8300 SH DEFINED 7800 500 0 AMERICAN INTERNATIONAL GROUP 026874107 2095 33824 SH SOLE 33424 0 400 AMERICAN INTERNATIONAL GROUP 026874107 2218 35806 SH DEFINED 29150 5581 1075 AMERICAN REALTY INVESTORS, INC. 029174109 3 417 SH DEFINED 0 417 0 AMERICAN STANDARD COMPANIES INC 029712106 69 1500 SH DEFINED 0 1500 0 AMERICAN TOWER CORP CLASS A 029912201 8 330 SH DEFINED 330 0 0 AMETEK INC (NEW) 031100100 24 560 SH DEFINED 560 0 0 AMGEN INC 031162100 1364 17133 SH SOLE 16533 0 600 AMGEN INC 031162100 472 5935 SH DEFINED 4990 945 0 AMSOUTH BANCORPORATION 032165102 42 1687 SH DEFINED 1687 0 0 AMYLIN PHARMECEUTICALS 032346108 17 500 SH DEFINED 0 500 0 ANADARKO PETE CORP COM 032511107 70 735 SH SOLE 735 0 0 ANADARKO PETE CORP COM 032511107 977 10204 SH DEFINED 9304 0 900 ANGLOGOLD LIMITED ADR'S PV R0.50 035128206 12 300 SH DEFINED 300 0 0 ANHEUSER BUSCH COS INC COM 035229103 30 700 SH SOLE 700 0 0 ANHEUSER BUSCH COS INC COM 035229103 330 7676 SH DEFINED 6826 500 350 ANTHRACITE CAPITAL INC 037023108 23 2000 SH SOLE 2000 0 0 AON CORP 037389103 88 2772 SH SOLE 2772 0 0 APACHE CORPORATION 037411105 233 3100 SH SOLE 3100 0 0 APOLLO GROUP INC CL A 037604105 62 940 SH DEFINED 540 0 400 APPLE COMPUTER INC 037833100 11 220 SH DEFINED 0 220 0 APPLEBEE'S INTL INC 037899101 963 46580 SH SOLE 44680 0 1900 APPLEBEE'S INTL INC 037899101 606 29308 SH DEFINED 22473 4810 2025 APPLERA CORP COM CELERA GENOMICS GROUP 038020202 0 13 SH DEFINED 13 0 0 APPLIED MATERIALS INC 038222105 14 850 SH SOLE 850 0 0 APPLIED MATERIALS INC 038222105 59 3500 SH DEFINED 3500 0 0 AQUA AMERICA INC 03836W103 423 11147 SH SOLE 11147 0 0 AQUA AMERICA INC 03836W103 444 11690 SH DEFINED 11690 0 0 ARCHER-DANIELS-MIDLAND COMPANY 039483102 2 100 SH SOLE 100 0 0 ARGON ST INC COM 040149106 8 300 SH DEFINED 300 0 0 ASHLAND INC NEW 044209104 25 466 SH DEFINED 466 0 0 ASTRAZENECA PLC SPONSORED ADR 046353108 58 1248 SH SOLE 1248 0 0 ATLAS PIPELINE LTD PARTNERSHIP 049392103 9 200 SH DEFINED 200 0 0 ATMOS ENERGY 049560105 84 3000 SH DEFINED 3000 0 0 AUTHENTIDATE HOLDING CORP 052666104 2 1000 SH SOLE 1000 0 0 AUTOMATIC DATA PROCESSING 053015103 2638 61311 SH SOLE 60561 0 750 AUTOMATIC DATA PROCESSING 053015103 1693 39340 SH DEFINED 34615 4075 650 AVATAR HOLDINGS INC 053494100 29 500 SH SOLE 500 0 0 AVAYA INC COM USD .01 053499109 2 212 SH SOLE 212 0 0 AVAYA INC COM USD .01 053499109 0 67 SH DEFINED 67 0 0 AVERY DENNISON CORP 053611109 18 350 SH DEFINED 350 0 0 AVON PRODUCTS 054303102 8 300 SH SOLE 300 0 0 AXA ADR 054536107 0 34 SH SOLE 34 0 0 AXA ADR 054536107 8 300 SH DEFINED 300 0 0 BB&T CORP 054937107 18 472 SH SOLE 472 0 0 BCE INC COM 05534B109 2 100 SH SOLE 100 0 0 BJ SERVICES CO 055482103 46 1300 SH DEFINED 1300 0 0 BOC GROUP PLC ADR 055617609 20 500 SH DEFINED 500 0 0 BP PLC 055622104 1216 17172 SH SOLE 17072 0 100 BP PLC 055622104 2419 34145 SH DEFINED 32545 1600 0 BAKER HUGHES INCORPORATED COMMON 057224107 5 100 SH SOLE 100 0 0 BALLARD POWER SYSTEMS INC 05858H104 2 400 SH DEFINED 400 0 0 BANK AMERICA CORP COM 060505104 4827 114698 SH SOLE 95412 0 19286 BANK AMERICA CORP COM 060505104 4258 101167 SH DEFINED 94857 6310 0 BANK OF NEW YORK INC 064057102 179 6102 SH SOLE 6102 0 0 BANK OF NEW YORK INC 064057102 31 1068 SH DEFINED 1068 0 0 BK NOVA SCOTIA LA BANQUE DE NOUVELLE ECOSSE 064149107 8 214 SH SOLE 214 0 0 BARNES & NOBLE INC 067774109 30 800 SH DEFINED 0 0 800 BARR PHARMACEUTICAL INC 068306109 71 1300 SH DEFINED 0 0 1300 BAUSCH & LOMB INC COM 071707103 80 1000 SH SOLE 1000 0 0 BAXTER INTERNATIONAL 071813109 19 500 SH SOLE 500 0 0 BAXTER INTERNATIONAL 071813109 39 1000 SH DEFINED 1000 0 0 BAY VIEW CAPITAL CORP NEW 07262L309 3 200 SH DEFINED 200 0 0 BECTON DICKINSON & COMPANY 075887109 70 1350 SH DEFINED 1200 150 0 BED BATH & BEYOND 075896100 46 1154 SH DEFINED 754 400 0 BEDFORD PROPERTY INVESTORS INC 076446301 2 100 SH DEFINED 100 0 0 BELLSOUTH CORP COM 079860102 181 6890 SH SOLE 6890 0 0 BELLSOUTH CORP COM 079860102 365 13916 SH DEFINED 12816 700 400 BEMA GOLD CORPORATION 08135F107 26 10000 SH DEFINED 0 10000 0 BERKSHIRE HATHAWAY CLASS 'B' COMMON 084670207 27 10 SH DEFINED 10 0 0 BERRY PETROLEUM 085789105 20 300 SH DEFINED 300 0 0 BEST BUY COMPANY INC 086516101 145 3345 SH SOLE 3345 0 0 BEST BUY COMPANY INC 086516101 326 7496 SH DEFINED 6596 900 0 BIOGEN IDEC INC 09062X103 8 225 SH SOLE 225 0 0 BIOVAIL CORPORATION 09067J109 63 2700 SH DEFINED 2700 0 0 BLACK & DECKER CORP COM 091797100 32 400 SH DEFINED 400 0 0 BLACKROCK NJ MUNICIPAL INCOME TRUST 09248J101 10 643 SOLE 643 0 0 BLACKROCK CORE COND TRUST 09249E101 5 400 SH SOLE 400 0 0 BLACKROCK DIVIDEND ACHVRS TR 09250N107 5 400 SH DEFINED 400 0 0 BLOCK H & R INC COM 093671105 38 1600 SH DEFINED 1600 0 0 BOEING CO COM 097023105 29 430 SH SOLE 430 0 0 BOEING CO COM 097023105 33 500 SH DEFINED 200 300 0 BOSTON PROPERTIES INC. 101121101 17 250 SH SOLE 250 0 0 BOSTON SCIENTIFIC CORP. 101137107 28 1200 SH DEFINED 1200 0 0 BRIGGS & STRATTON CORPORATION 109043109 8 238 SH SOLE 238 0 0 BRISTOL-MYERS SQUIBB 110122108 729 30353 SH SOLE 30353 0 0 BRISTOL-MYERS SQUIBB 110122108 1700 70701 SH DEFINED 68201 1500 1000 BROADCOM CORPORATION COM 111320107 14 300 SH DEFINED 0 0 300 BROWN FORMAN DISTILLERS CORP CLASS 'A' VOTING 115637100 24 400 SH DEFINED 400 0 0 BUCKEYE PIPELINE PARTNERS LP 118230101 699 14682 SH SOLE 14682 0 0 BUCKEYE PIPELINE PARTNERS LP 118230101 545 11450 SH DEFINED 10950 500 0 BURLINGTON NORTHERN SANTA FE CORP 12189T104 44 750 SH SOLE 750 0 0 BURLINGTON NORTHERN SANTA FE CORP 12189T104 218 3649 SH DEFINED 2529 1120 0 BURLINGTON RESOURCES 122014103 174 2150 SH DEFINED 2000 150 0 CRACKER BARREL GROUP INC 12489V106 58 1725 SH SOLE 1725 0 0 CSX CORP COM 126408103 46 1000 SH DEFINED 1000 0 0 CVS CORP COM 126650100 34 1200 SH SOLE 1200 0 0 CVS CORP COM 126650100 490 16930 SH DEFINED 10730 6200 0 CABELAS INC 126804301 47 2600 SH SOLE 2500 0 100 CACI INTL INC CLASS A 127190304 466 7700 SH SOLE 7700 0 0 CACI INTL INC CLASS A 127190304 66 1100 SH DEFINED 1100 0 0 CAL DIVE INTL INC 127914109 44 700 SH DEFINED 700 0 0 CALIPER LIFE SCIENCES INC 130872104 15 2200 SH SOLE 2200 0 0 CAMPBELL SOUP CO COM 134429109 2 100 SH SOLE 100 0 0 CAMPBELL SOUP CO COM 134429109 59 2000 SH DEFINED 2000 0 0 CANADIAN NATURAL RESOURCES LTD 136385101 4 100 SH SOLE 100 0 0 CANADIAN NATURAL RESOURCES LTD 136385101 27 600 SH DEFINED 600 0 0 CAPITAL ONE FINANCIAL 14040H105 3284 41302 SH SOLE 40502 0 800 CAPITAL ONE FINANCIAL 14040H105 1521 19135 SH DEFINED 16960 1300 875 CARDINAL HEALTH 14149Y108 22 350 SH SOLE 350 0 0 CARDINAL HEALTH 14149Y108 12 200 SH DEFINED 200 0 0 CAREER EDUCATION CORP 141665109 214 6025 SH SOLE 6025 0 0 CAREER EDUCATION CORP 141665109 356 10025 SH DEFINED 9025 0 1000 CATERPILLAR INC 149123101 52 900 SH SOLE 900 0 0 CATERPILLAR INC 149123101 495 8434 SH DEFINED 7584 850 0 CEDAR FAIR L.P. 150185106 5 200 SH DEFINED 200 0 0 CELGENE CORPORATION 151020104 27 500 SH SOLE 500 0 0 CELGENE CORPORATION 151020104 32 600 SH DEFINED 600 0 0 CENDANT CORPORATION 151313103 2 100 SH SOLE 100 0 0 CENDANT CORPORATION 151313103 4 200 SH DEFINED 200 0 0 CENTER BANCORP INC COM 151408101 83 6999 SH SOLE 6999 0 0 CENTER BANCORP INC COM 151408101 119 10032 SH DEFINED 10032 0 0 CENTERPOINT ENERGY INC 15189T107 16 1100 SH DEFINED 1100 0 0 CENTURYTEL INC 156700106 97 2800 SH SOLE 2800 0 0 CERADYNE INC 156710105 5 162 SH SOLE 162 0 0 CERTEGY INC 156880106 34 850 SH SOLE 850 0 0 CERTEGY INC 156880106 13 325 SH DEFINED 325 0 0 CHESAPEAKE ENERGY CORP 165167107 87 2300 SH DEFINED 2300 0 0 CHEVRON CORPORATION 166764100 4006 61906 SH SOLE 60706 0 1200 CHEVRON CORPORATION 166764100 3256 50317 SH DEFINED 43967 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