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Glatfelter

glt · NYSE Basic Materials
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Exchange NYSE
Sector Basic Materials
Industry Paper, Lumber & Forest Products
Employees 1001-5000
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FY2005 Annual Report · Glatfelter
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S A L E S   O F F I C E S

Pennsylvania
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-5400

New Jersey
1085 Morris Avenue, 2nd Floor
Union, NJ 07083
ph: 908-289-6644
ph: 212-752-3560
fax: 908-289-1393

Wisconsin
225 W. Wisconsin Avenue
Neenah, WI 54956
ph: 920-727-2200
fax: 920-727-2305

North Carolina
One King Road
Pisgah Forest, NC 28768
ph: 828-877-2110
fax: 828-877-4086

Gernsbach, Germany
Hördner Landstraße 3-7
76593 Gernsbach, Germany
ph: 49-7224-66-0
fax: 49-7224-66-274

U . S .  O P E R AT I N G 
L O C AT I O N S

I N T E R N AT I O N A L
O P E R AT I N G   L O C AT I O N S

Spring Grove Facility
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-6834

Neenah Facility
225 W. Wisconsin Avenue
Neenah, WI 54956
ph: 920-727-2200
fax: 920-727-2600

Glatfelter Pulp Wood Company
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-2850

Gernsbach Facility
Hördner Landstraße 3-7
76593 Gernsbach, Germany
ph: 49-7224-66-0
fax: 49-7224-66-274

Scaër Facility
BP 2
29390 Scaër, France
ph: 33-0-2-98-66-42-00
fax: 33-2-98-59-0998

Lanao del Norte Facility
Bo. Maria Cristina
9217 Balo-I, Lanao del Norte
Philippines
ph: 632-893-7640
fax: 632-893-2819

O T H E R   L O C AT I O N S

China Representative Offi ce
Century Financial Tower, 8F808
No 1 Suhua Road
Suzhou-SIP, Jiangsu 215021
ph: 86-512-676-25077
fax: 86-512-676-25070

www.glatfelter.com

© 2006 Glatfelter

®

2 0 0 5   A N N U A L   R E P O R T

coreV A L U E

V A L U E S

O U R   C O R E   VA L U E S

Integrity

Respect for Coworkers

Environmental Responsibility

We are ethical and responsible in 
all of our business endeavors, all 
the time.

Financial Discipline

We are responsible for the 
prudent management of the 
resources entrusted to us and for 
the generation of fi nancial value 
for all constituents.

We treat each other with honesty 
and respect. We recognize that 
what we have and what we will 
achieve is through the efforts of 
our employees. We will strive to 
provide them with rewarding 
challenges and opportunities 
for advancement.

We recognize that our business 
impacts the environment. We 
are committed to continuous 
environmental improvement 
and the prevention of pollution. 
We will be in compliance with 
all environmental laws and 
regulations.

Customer Focus

Social Responsibility

We are dedicated to understanding 
and anticipating the needs of our 
customers and helping them to 
achieve their business objectives.

We recognize our responsibility 
to contribute to the betterment 
of the communities in which we 
operate and the world in which 
we live.

E X E C U T I V E   O F F I C E R S

D I R E C T O R S

I N F O R M AT I O N

George H. Glatfelter II
Chairman and 
Chief Executive Offi cer

Dante C. Parrini
Executive Vice President and 
Chief Operating Offi cer

John C. van Roden, Jr.
Executive Vice President and 
Chief Financial Offi cer

John P. Jacunski
Vice President and
Corporate Controller

Kathleen A. Dahlberg
Founder and President/CEO
Open Vision Partners

Nicholas DeBenedictis
Chairman and Chief Executive Offi cer
Aqua America Corporation

George H. Glatfelter II
Chairman and 
Chief Executive Offi cer

J. Robert Hall
Chief Executive Offi cer
Ardale Enterprises, LLC

World Headquarters
P.H. Glatfelter Company
96 S. George Street
Suite 500
York, PA 17401
ph: 717-225-4711
fax: 717-846-7208
www.glatfelter.com

Stock Exchange
New York Stock Exchange

Stock Symbol
GLT

Jeffrey J. Norton
Vice President, General Counsel
and Secretary

Richard C. Ill
President and Chief Executive Offi cer
Triumph Group, Inc.

Werner A. Ruckenbrod
Vice President
Long Fiber & Overlay Papers

Ronald J. Naples
Chairman and Chief Executive Offi cer
Quaker Chemical Corporation

Mark A. Sullivan
Vice President
Global Supply Chain

William T. Yanavitch II
Vice President 
Human Resources
and Administration

Richard L. Smoot
Retired Regional Chairman
PNC Bank, NA
Philadelphia/South Jersey Markets

Lee C. Stewart
Investment Banker
Daniel Stewart & Company

Annual Meeting of Shareholders
April 26, 2006
10:00am EST
York Expo Center
334 Carlisle Avenue
York, PA 

Transfer Agent, Dividend 
Disbursing Agent and Registrar
Mellon Investor Services, LLC
85 Challenger Road
Ridgefi eld Park, NJ 07660
ph: 800-756-3353

Information Sources
For the latest quarterly business 
results or other information, visit 
www.glatfelter.com or contact:

Investor Relations
P.H. Glatfelter Company
96 S. George Street
Suite 500
York, PA 17401
ph: 717-225-4711
E-mail: ir@glatfelter.com

Our Business

Headquartered in York, Pennsylvania, Glatfelter is a 
global manufacturer of specialty papers and engineered 
products. U.S. operations include facilities in Spring 
Grove, Pennsylvania, and Neenah, Wisconsin. 
International operations include facilities in Germany, 
France and the Philippines.

Our products are marketed worldwide either through 
wholesale paper merchants, brokers and agents or direct 
to customers. The company’s common stock is traded on 
the New York Stock Exchange under the symbol GLT.

Our Products

Specialty Papers

Book Publishing

•  Trade books
– Best sellers
– Book clubs
– Business and professional

•  Textbooks

– Elementary to high school & college
– Computer software instruction books

•  Ancillary materials

– Student workbooks
– Teacher’s guides

Converting Papers

•  Envelopes
•  High-end retail shopping bags
•  Drawing & art papers
•  China markers

Lightweight Printing Papers

•  Financial publications
•  Pharmaceutical inserts
•  Legal publications

Digital Imaging

•  Point-of-purchase displays
•  Photo reproductions
•  Posters/Banners
•  Boarding passes
•  Concert tickets
•  Engineered drawings
•  Apparel tags

Casting and Specialty Release

•  Refl ective signage
•  Fleet graphics
•  Simulated leather
•  Iron-on transfers
•  Vinyl fi lms & foams
•  Gasketing
•  Adhesive tape

Pressure Sensitive

•  Postage stamps
•  Stamp liners
•  Peel & stick labels

Industrial Specialties

•  Disposable surgical gowns & wipes
•  Fluorescent board & tabs
•  Playing cards
•  Greeting cards

Long Fiber & Overlay Papers

Food and Beverage

•  Tea bags
•  Coffee pods/pads and fi lters
•  Food casing papers

Composite Laminates

•  Laminate countertops
•  Laminate furniture
•  Laminate fl ooring

Technical Specialties

•  Stencil papers
•  Wet-wipe tissues
•  Adhesive tapes
•  Battery pasting papers
•  Cryogenics
•  Vacuum bags
•  Specialty non-wovens

Metallized Products

•  Holographic labels & wrap
•  Glue-applied beverage labels
•  Gift wrap

Letter

Letter to Our Shareholders

George H. Glatfelter II
Chairman and Chief Executive Offi cer

Dear Fellow Shareholder:

If 2004 was the year of turnaround for Glatfelter, then 
2005 will be characterized as the year in which our 
strategy solidifi ed. During the year, we leveraged the 
momentum of our recovery to develop a specialty 
products business platform capable of achieving the 
next stage of growth and value creation. With crisp 
execution focused upon “the things that matter most,” 
Glatfelter PEOPLE sustained our progress and built a 
foundation of strength and fl exibility. We repositioned 
the business for the attractive opportunities emerging in 
the global paper industry. And along the way, despite a 
tumultuous market backdrop of soaring input costs, too 
much capacity and too little demand, we responded 
with a solid fi nancial performance:

•  Adjusted earnings were up 17% to $.35 per share
•  Net sales rose 7% to $579 million
•  New products represented 52% of sales
•  Timberland was sold for $21 million
•  Insurance recoveries totaled $20 million
•  Net debt was reduced by $22 million

In addition, I am very pleased to report that over the 
two-year period ending December 31, 2005, Glatfelter 
generated total shareholder return of 21% representing 
top-tier performance in the paper industry. 

Our philosophy of concentrating on the few things that 
matter most and executing them well drove this superior 
performance. Despite a highly challenging market 
environment, we directed the energies of the entire 
enterprise on two Focus Points – the restructuring of our 
North American operations and revenue growth from our 
Long Fiber and Overlay Papers business. 

During the year, the benefi ts of our North American 
Restructuring Program continued to mount. Step-
change improvements in cost reduction and productivity 
were achieved at the Spring Grove mill. Productivity 
improvements progressed at the Neenah facility. And 
we redoubled our efforts to enhance logistics and supply 
chain practices as raw material costs climbed $8 million 
over 2004. We continued to improve our integrated sales 
and operations planning process to proactively anticipate 
market dynamics. The effort helped avoid market-related 
production downtime and improved inventory effi ciency. 
By year-end, the North American Restructuring Program 
generated almost $20 million in economic benefi t, 
meeting our expectations. 

The Specialty Papers business recorded another solid year 
of growth with sales increasing by 13%. Both volume 
and pricing strengthened as the year progressed. For the 
fi fth year in a row, Engineered Products achieved double-
digit volume growth. The higher sales revenue was 
supported by a proven new product development process. 
New product development and service innovation 
again accounted for over 50% of our revenues. We 
also strengthened our balance sheet through insurance 
recoveries related to the Fox River and by monetizing 
assets with timberland sales. These actions will add 
$24 million in after-tax proceeds and will enhance our 
fi nancial fl exibility.

However, our performance was tempered by 
disappointing results within the Long Fiber and Overlay 
Papers business. Early in the year, we had projected 
strong growth that simply never materialized. The 
shortfall was caused by weak economic conditions in 
Europe, a loss of market share in Composite Laminates 
and slower than expected acceptance of new Technical 
Specialties papers. Quite frankly, we faced greater 

r to Our

minimized environmental liabilities. All of these efforts 
fi nally bore fruit in the turnaround of 2004 and were 
reconfi rmed by last year’s performance. While our 
progress was rewarding, ongoing structural changes 
within the industry threatened its sustainability. We 
viewed this critical period as a strategic “infl ection 
point” – a time when the business either climbs to new 
heights or spirals into decline. Our Directors and Senior 
Management Team recognized that standing still was not 
an option. We have a responsibility to act and embrace 
generational change for the benefi t of all stakeholders. 

In response, we implemented the EURO Program, a 
sweeping workforce effi ciency effort deployed at each 
of our European facilities. Modeled after the North 
American Restructuring Plan, EURO will generate 
signifi cant improvements in our cost structure and 
productivity. We expect this initiative will yield between 
$7 million to $9 million in annualized economic benefi t 
by 2008. 

technical and commercial challenges than initially 
anticipated and sales were slow in developing.

As we look toward 2006, we believe the present market 
fundamentals will remain in place in the near term. We 
expect strong demand and strengthening prices will 
continue for our Specialty Papers products. But the 
unrelenting rise in input costs will continue to pressure 
margins. The execution of the EURO Program will begin 
to address the challenges facing the Long Fiber and 
Overlay Papers business unit. We are encouraged by signs 
of improving demand in this business, particularly in the 
Food and Beverage markets. However, sluggish economic 
conditions and a supply-demand imbalance in the 
Composite Laminates segment will continue to adversely 
impact the unit’s performance.

Within Glatfelter, one of our strategic principles is to 
continually seek to re-deploy assets to maximize value. 
One of these initiatives involves actively managing our 
timberlands in ways that create the greatest value for 
shareholders. Over the last few years, Glatfelter sold 
approximately 33,000 acres of woodlands for about $115 
million. After an extensive study, we recently announced 
our intent to sell an additional 40,000 acres of higher and 
better use (HBU) timberlands over the next three to fi ve 
years. The company will manage this sale in a thoughtful 
and deliberate process that maximizes asset value. By 
monetizing non-strategic timber resources, we can raise 
an estimated $150 million to $200 million in pre-tax cash 
to strengthen our balance sheet and increase fi nancial 
fl exibility. Glatfelter intends to retain its remaining 
40,000 acres of pure timberlands to supplement the fi ber 
requirements of the Spring Grove facility.

As we evaluate our progress, it’s clear we set aggressive 
goals and for the most part, achieved them. Yet during 
2005, as we critically assessed the capabilities of the 
business, we realized that the company had reached a 
crossroads. Over the last fi ve years, we had successfully 
transformed our business from an “old line” paper 
company to a global supplier of Specialty Papers and 
Engineered Products. With a disciplined approach and 
motivated leadership, our organization instituted a new 
business model, fi lled our mills with new specialty 
products, cut costs and embedded best practices. We 
rationalized underperforming assets, reduced debt and 

Our leadership team looked through the infl ection 
point and recognized that only by creating our own 
opportunities could we realize step-change improvements 
in shareholder value.

We identifi ed four 2006 Focus Point objectives that will 
guide us on this journey. They are the things that will 
matter most to us in the year ahead.

•  We will maintain the health of the business and improve 

the 2006-2007 earnings stream. This will include 
continued implementation of the EURO Program 
and enhanced business processes, such as sales and 
operations planning and project management within the 
Long Fiber and Overlay Papers business unit. 

•  We will maximize opportunities that play to the 
company’s strengths. We must unlock the great 
potential of our Food and Beverage business and 
extend our global manufacturing footprint.

 • We will actively pursue opportunities to strategically 
grow our business. Glatfelter will cast a wider net 
to uncover acquisition targets in core and adjacent 
businesses that make sense for our shareholders.  

•  And fi nally, we must remain fl exible to address the 
shifting context of our business environment. We 
are committed to staying vigilant and fl exible for 
opportunities that will build shareholder value.

Strong execution of these Focus Points will enable the 
company to grow in a material way. However, history has 
shown that although it is very easy to grow in the paper 
industry, the ability to grow well and thereby generate 
sustainable value has proven to be very diffi cult. 

Recognizing that acquisitions are risky ventures, we 
have developed a highly disciplined approach to growth. 
This approach identifi es and evaluates potential assets 
that, when combined with Glatfelter operations, will 
support breakthroughs in value creation. The process is 
based on a rigorous set of criteria that assesses a target’s 
potential. We believe any acquisition must be accretive 
to earnings, exceed its cost of capital and maintain the 

r Shareh

have worked extremely hard over the years in their 
attempt to overcome unrelenting increases in input costs. 
In the end, the mountain was simply too steep to climb. 
Economic realities drove our conclusion to close the 
mill, not lack of faith in the dedication or commitment 
of our Neenah employees. 

strength and fl exibility of our balance sheet. In addition, 
candidates for acquisition must have leading positions in 
defensible market niches and be supported by a strong 
management team.

As we entered 2006, Glatfelter identifi ed assets that 
we believe meet or exceed all of these criteria. In late 
February, the company announced the signing of a 
defi nitive agreement to acquire NewPage Corporation’s 
Carbonless Paper business for $80 million. The 
transaction is an excellent opportunity to purchase 
world-class production assets at an attractive price. It 
represents a signifi cant milestone in fulfi lling our vision 
of becoming the global supplier of choice in Specialty 
Papers and Engineered Products. Based in Chillicothe and 
Fremont, Ohio, these assets had 2005 revenues estimated 
at $440 million. Their specialty products, state-of-the-art 
papermaking technologies and knowledgeable employees 
are an exceptional fi t with our company’s strengths and 
capabilities. We anticipate the acquisition will achieve the 
following benefi ts:

As CEO, I’ve come to realize that the most diffi cult 
decisions are invariably the ones that most need to be 
made. For instance, some might say it was good luck that 
we happened across this acquisition opportunity. But we 
believe we created our own luck by making the painful 
decisions needed over the years to transform and reposition 
the company. Glatfelter is now poised to enter a new stage 
of growth and value creation. We accept the challenge this 
opportunity provides. Yet, we understand that opportunity 
does not guarantee performance, and the most diffi cult 
work is still to come. Our organization is prepared and 
ready; we have identifi ed the best path forward; and we 
embrace the change that opportunity requires. 

In closing, I would like to recognize the contributions of 
John C. van Roden, Executive Vice President and Chief 
Financial Offi cer, who will be retiring later in the year. 
John joined Glatfelter in 2003 with the desire to conclude 
his professional career with an organization in which he 
could “make a difference.” Clearly he has accomplished 
his objective. John has made many friends along the way 
and I am proud to count myself as one of them. I know 
that all shareholders will join me in thanking John for his 
many contributions over the past few years and wishing 
him the best in a well-earned retirement. As part of a 
planned succession, John P. Jacunski, our present Vice 
President and Controller, will step into the Chief Financial 
Offi cer position on July 1, 2006.

Finally, this year of progress would not have been possible 
without the support and commitment of our shareholders 
and Glatfelter PEOPLE at each of our facilities. I thank 
you for your patience and understanding over the years as 
we have shaped our company for success. And I ask you 
to share our excitement and enthusiasm as we embark on 
Glatfelter’s next era of growth.

•  A highly accretive projected earnings profi le –

$0.10 - $0.15 per share in 2006, excluding one-time 
costs, and $0.45 - $0.50 per share in 2007

•  Revenues are estimated to increase to approximately 

$1 billion

•  EBITDA improvement by over $35 million in 2007

•  A highly attractive valuation at less than two times 

expected EBITDA improvement

•  The transaction price is lower than the $87 million 

in assumed working capital

In addition, the transaction’s structure allows us to maintain 
a strong balance sheet with little or no net increase in fi xed 
assets, and the anticipated earnings improvement should 
enhance our credit profi le. The capabilities of these new 
assets will accelerate the growth of our specialty product 
lines and will permit us to signifi cantly reduce cost, raise 
productivity and enhance fl exibility in our North 
American operations. 

While a defi nitive agreement does not ensure the 
NewPage transaction will be consummated, we are 
optimistic the acquisition will close on or about 
March 31, 2006. We are truly excited about this 
acquisition and believe that it offers great opportunity 
to realize step-change improvements in our North 
American Specialty Papers business.

Our excitement about this acquisition is tempered, 
however, by the decision to permanently close the 
Neenah, Wisconsin facility. Glatfelter PEOPLE in Neenah 

George H. Glatfelter II
Chairman & Chief Executive Offi cer 

March 7, 2006

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 10-K

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2005

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the transition period from 

 to

or

¥

n

Commission file number 1-3560

P. H. Glatfelter Company

(Exact name of registrant as specified in its charter)

Pennsylvania
(State or other jurisdiction of
incorporation or organization)

96 South George Street, Suite 500
York, Pennsylvania 17401
(Address of principal executive offices)

23-0628360
(IRS Employer Identification No.)

(717) 225-4711
(Registrant's telephone number,
including area code)

Securities registered pursuant to Section 12(b) of the Act:

Title of Class

Name of Exchange on Which Registered

Common Stock, par value $.01 per share

New York Stock Exchange

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities

Act. Yes n

No ¥.

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the

Act. Yes n

No ¥.

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of
the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was
required  to  file  such  reports)  and  (2)  has  been  subject  to  such  filing  requirements  for  at  least  the  past
90 days. Yes ¥

No n.

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained
herein, and will not be contained to the best of registrant's knowledge, in definitive proxy of information statements
incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. n

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated

filer. See definition of ""accelerated filer and large accelerated filer'' in Rule 12b-2 of the Exchange Act.

n Large Accelerated

¥ Accelerated

n Non-Accelerated.

Indicate  by  check  mark  whether  the  registrant  is  a  shell  company  (as  defined  in  Rule  12b-2  of  the  Exchange

Act) Yes n

No ¥.

Based on the closing price as of June 30, 2005, the aggregate market value of Common Stock of the Registrant held

by non-affiliates was $502.9 million.

Common Stock outstanding on March 1, 2006 totaled 44,233,059 shares.

DOCUMENTS INCORPORATED BY REFERENCE

Portions of the following documents are incorporated by reference in this Annual Report on Form 10-K: Proxy

Statement to be dated on or about March 21, 2006 (Part III).

P. H. GLATFELTER COMPANY
ANNUAL REPORT ON FORM 10-K
For the Year Ended

DECEMBER 31, 2005

Table of Contents

Business
Risk Factors
Properties
Legal Proceedings
Submission of Matters to a Vote of Security Holders
Executive Officers

Market for the Registrant's Common Stock and Related Stockholder Matters and

Issuer Purchases of Equity Securities

Selected Financial Data
Management's Discussion and Analysis of Financial Condition and Results of

Operations

Quantitative and Qualitative Disclosures about Market Risk
Financial Statements and Supplementary Data
Controls and Procedures

Directors and Executive Officers of the Registrant
Executive Compensation
Security Ownership of Certain Beneficial Owners and Management and Related

Stockholder Matters

Certain Relationships and Related Transactions
Principal Accountant Fees and Services

Exhibits, Financial Statement Schedules

PART I
Item 1
Item 1A.
Item 2
Item 3
Item 4

PART II

Item 5

Item 6
Item 7

Item 7A
Item 8
Item 9A

PART III

Item 10
Item 11
Item 12

Item 13
Item 14

PART IV

Item 15

SIGNATURES

CERTIFICATIONS

SCHEDULE II

Page

1
6
9
10
10
10

12
12

13
24
25
53

53
53

53
53
53

54

57

58

60

ITEM 1.

BUSINESS

Overview

Glatfelter  began  operations  in  1864
and today we believe we are one of the world's leading
manufacturers  of  specialty  papers  and  engineered
products. Headquartered in York, Pennsylvania, we own
and  operate  paper  mills  located  in  Spring  Grove,
Pennsylvania, Neenah, Wisconsin, Gernsbach, Germany
and Sca er, France, as well as an abaca pulp mill in the
Philippines.  Our  common  stock  is  listed  on  the  New
York  Stock  Exchange  under  the  symbol  ""GLT''.  As
used herein, ""Glatfelter,'' ""we,'' ""our'' and similar terms
include P. H. Glatfelter Company and its subsidiaries
unless the context indicates otherwise.

We serve customers in numerous markets, including
book  publishing,  envelope  &  converting,  food  and
beverage, pressure-sensitive, digital imaging, composite
laminates,  and  other  highly  technical  niche  markets.
Many  of  the  markets  in  which  we  operate  are
characterized  by  higher-value-added  products  and,  in
some  cases,  by  higher  growth  prospects  and  lower
cyclicality than commodity paper markets. Examples of
some of our key product offerings include papers for:

‚

‚

‚

‚

‚

Teabags and coffee filters;

Trade book publishing;

Specialized envelopes;

Playing cards;

Pressure-sensitive postage stamps;

‚ Metallized labels for beer bottles; and

‚ Digital imaging applications.

We  market  our  products  worldwide  both  through
wholesale  paper  merchants,  brokers  and  agents  and
directly to our customers.

Recent  Developments

On  February  21,  2006
we  entered  into  a  definitive  asset  purchase  agreement
with NewPage Corporation and Chillicothe Paper Inc.,
a wholly owned subsidiary of NewPage Corporation (the
""Asset Purchase Agreement''), to acquire certain assets
and  assume  certain  liabilities  constituting  NewPage
Corporation's carbonless and specialty papers business
for  $80  million  in  cash.  The  business  to  be  acquired
includes a 440,000 tons per year paper making facility in
Chillicothe,  Ohio,  together  with  its  Fremont,  Ohio-
based  coating  operations  (collectively,  ""Chillicothe'').
Estimated  2005  revenue  for  Chillicothe  totaled
approximately $440 million and Chillicothe employees
total approximately 1,700. The transaction is expected to
close on or about March 31, 2006.

The Chillicothe acquisition enables us to transfer our
Neenah facility's specialty grades to Chillicothe's highly
efficient  manufacturing  environment  and  rationalize
assets that are no longer competitive. Accordingly, it is
anticipated the Neenah mill will be permanently shut
down  by  June  2006,  contingent  on  the  successful
completion of the Chillicothe transaction.

On  March  8,  2006,  we  entered  into  two  separate
transactions to acquire certain assets of J R Crompton
Limited, a global supplier of wet laid nonwoven products
based  in  Manchester,  United  Kingdom.  Since
February 7, 2006, Crompton has been ordered to be in
Administration by The High Court of Justice Chancery
Division, Manchester District.

Under the terms of the first transaction, Glatfelter
acquired effective March 13, 2006, Crompton's Lydney
Mill, located in Gloucestershire, United Kingdom, for
GBP37.5  million  (US  $65.1  million).  The  facility
employs  about  240  people  and  had  2005  revenues  of
approximately GBP43 million (US $75 million).

The Lydney mill produces a broad portfolio of wet
laid nonwoven products, including tea and coffee filter
papers,  clean  room  wipes,  lens  tissue  and  dye  filter
paper,  double-sided  adhesive  tape  substrates,  battery
grid pasting tissue.

located 

Under the second transaction, we agreed to purchase
Crompton's  Simpson  Clough  Mill, 
in
Lancashire, United Kingdom, and other related assets
for  GBP12.5  million  (US  $21.7  million),  subject  to
regulatory approval. The mill employs about 95 people
and 
approximately
revenues 
GBP16.2  million  (US  $28  million).  The  Simpson
Clough facility also manufactures a wide variety of wet
laid, nonwoven products.

2005 

had 

of 

Our  Business  Units

We  manage  our  business
as two distinct units: the Europe-based Long Fiber &
Overlay Papers business unit and the North America-
based  Specialty  Papers  business  unit.  The  following
table summarizes consolidated net sales and the relative
net sales contribution of each of our business units for
the past three fiscal years:

Dollars in thousands

2005

2004

2003

Net sales
Business unit composition
Specialty Papers
Long Fiber & Overlay

Papers
Tobacco(1)

Total

$579,121

$543,524

$533,193

65.8%

62.1%

67.2%

34.2
Ó

37.8
0.1

31.0
1.8

100.0%

100.0%

100.0%

(1) As of July 2004, we no longer produce products for the Tobacco

industry.

- 1 -

GLATFELTER

Net tons sold by each business unit for the past three

years were as follows:

Specialty Papers
Long Fiber & Overlay Papers
Tobacco

Total

2005

450,900
47,669
24

498,593

2004

421,504
48,528
390

470,422

2003

446,110
42,993
6,463

495,566

Specialty  Papers

Our  North  America-based
Specialty Papers business unit focuses on papers for the
production of high-quality hardbound books and other
book  publishing  needs,  for  the  envelope  &  converting
markets  and  highly  technical  customized  products  for
the  digital  imaging,  casting  and  release,  pressure
sensitive, and several niche technical specialty markets.

Specialty  Papers'  revenue  composition  by  product

line consisted of the following for the years indicated:

Book publishing
Envelope & converting
Engineered products
Other

Total

2005

2004

2003

41.3%
24.1
34.1
0.5

41.8%
24.2
32.5
1.5

47.4%
20.6
30.1
1.9

100.0%

100.0%

100.0%

We  believe  we  are  the  leading  supplier  of  book
publishing papers in the United States. Specialty Papers
also  produces  paper  that  is  converted  into  specialized
envelopes  in  a  wide  array  of  colors,  finishes  and
capabilities.  The  book  publishing  and  envelope  &
converting  papers  markets  are  generally  more  mature
and, therefore, have modest growth characteristics.

Specialty  Papers'  highly  technical  engineered
products include those designed for multiple end uses,
such  as  papers  for  pressure-sensitive  postage  stamps,
greeting and playing cards, digital imaging applications
and  for  release  paper  applications.  Such  products
comprise an array of distinct business niches that are in
a continuous state of evolution. Many of these products
are  utilized  in  demanding,  specialized  customer  and
end-user  applications  and,  therefore,  command  higher
per  ton  values  and  generally  exhibit  greater  pricing
stability  relative  to  commodity  grade  paper  products.
Some of our products are new and high growth while
others  are  more  mature  and  further  along  on  the
development curve. Because many of these products are
technically  complex  and  involve  substantial  customer-
supplier development collaboration, product pricing has
remained relatively stable.

Long  Fiber  &  Overlay  Papers

Long  Fiber  &
Overlay Papers, based in Gernsbach, Germany, focuses
on higher-value-added products, such as paper for tea
bags  and  coffee  pods/pads  and  filters,  decorative
laminates used for furniture and flooring, and metallized

products used in the labeling of beer bottles. Long fiber
papers,  which  is  the  generic  term  we  use  to  describe
products made from abaca pulp (primarily tea bag and
coffee  filter  papers),  accounted  for  approximately
52.1%, 52.3% and 58.5% of this business unit's net sales
in the years ended 2005, 2004 and 2003, respectively.
This focus on long fiber papers has made us one of the
world's largest producers of tea bag papers. The balance
of  this  unit's  sales  are  comprised  of  overlay  and
technical specialty products, which include flooring and
furniture overlay papers, metallized products, and papers
for adhesive tapes, vacuum bags, holographic labels and
gift  wrap.  Many  long  fiber  and  overlay  papers  are
technically  sophisticated.  We  believe  we  are  well
positioned  to  produce  these  extremely  lightweight
papers because we understand their complexities, which
require  the  use  of  highly  specialized  fiber  and
specifically designed papermaking equipment.

Additional  financial  information  for  each  of  our
business units during the past three years is included in
Item  7 Ì Management's  Discussion  and  Analysis  of
Financial  Condition  and  Results  of  Operations  and  in
Item 8 Ì Financial Statements, Note 20.

Our Competitive Strengths

Since commencing
operations over 140 years ago, we believe that Glatfelter
has  developed  into  one  of  the  world's  leading
manufacturers  of  specialty  papers  and  engineered
products.  We  believe  that  the  following  competitive
strengths have contributed to our success:

‚

Leading  market  positions  in  higher-value,
niche  segments. We  have  focused  our  resources  to
achieve market-leading positions in certain higher-value,
niche  segments.  Our  products  include  various  highly
specialized  paper  products  designed  for  technically
demanding  end  uses.  Consequently,  many  of  our
products  achieve  premium  pricing  relative  to  that  of
commodity paper grades. In 2005, approximately 75% of
our  sales  were  derived  from  these  higher-value,  niche
products.  The  specialized  nature  of  these  products
generally  provides  greater  pricing  stability  relative  to
commodity paper products.

‚

Customer-centric business focus. We offer a
unique and diverse product line that can be customized
to serve the individual needs of our customers. Our size
allows  us  to  develop  close  relationships  with  our  key
customers  and  to  be  adaptable  in  our  product
development,  manufacturing,  sales  and  marketing
practices. We believe that this approach has led to the
development  of  excellent  customer  relationships,
defensible  market  positions,  and  increased  pricing
stability  relative  to  commodity  paper  producers.

- 2 -

GLATFELTER

Additionally, our customer-centric focus has been a key
driver to our success in new product development.

‚

Significant investment in product development.
In order to keep up with our customers' ever-changing
needs,  we  continually  enhance  our  product  offerings
through  significant  investment  in  product  development.
In each of the past three years, we invested approximately
$5 million in product development activities. We derive a
significant  portion  of  our  revenue  from  products
developed,  enhanced  or  improved  as  a  result  of  these
activities.  Revenue  generated  from  products  developed,
enhanced or improved within the five previous years as a
result of these activities represented approximately 52%,
60% and 47% of net sales in the years ended 2005, 2004
and 2003, respectively.

‚

Integrated  production. As  a  partially
integrated producer, we are able to mitigate changes in
the costs of certain raw materials and energy. Our Spring
Grove mill is a vertically integrated operation producing
in excess of 85% of the annual pulp required for its paper
production. The principal raw material used to produce
this pulp is pulpwood, consisting of both hardwoods and
softwoods.  We  own  approximately  81,000  acres  of
timberlands  and  obtain  approximately  25%  of  our
pulpwood requirements for our Spring Grove facility from
Company-owned timberlands, which helps stabilize our
fiber  costs  in  a  highly  fragmented  market.  Our  Spring
Grove  facility  also  generates  100%  of  the  steam  and
electricity  required  for  its  operations.  In  addition,  our
Philippine  mill  processes  abaca  fiber  to  produce  abaca
pulp,  which  is  a  key  raw  material  used  by  our  Long
Fiber & Overlay business unit in Gernsbach and Sca er.

Our Business Strategy

Our vision is to become
the  global  supplier  of  choice  in  specialty  papers  and
engineered  products.  We  are  continuously  developing
and  refining  strategies  to  strengthen  our  business  and
position it for the future. Execution of these strategies is
intended  to  capitalize  on  our  strengths  in  customer
relationships,  technology,  and  people,  as  well  as  our
leadership positions in certain markets. In recent years,
our  industry  has  been  challenged  by  a  supply  and
demand  imbalance,  particularly  for  commodity-like
products.  To  be  successful  in  the  current  market
environment,  our  strategy  is  focused  on  aggressively
reducing costs and continually repositioning our product
portfolio  to  increase  our  focus  on  higher-value,  niche
products and to better align our product offerings with
our  customers'  ever-changing  needs.  Certain  key
elements of our business strategy are outlined below:

margins  and  generate  better  financial  returns  through
the  optimization  of  our  product  portfolio.  In  2005,
approximately 75% of our total sales were derived from
what  we  consider  to  be  higher-value,  niche  products.
Over  time,  we  plan  to  increase  our  concentration  on
such  products  by  driving  growth  in  our  sales  of  trade
book papers, uncoated specialty products, long fiber and
overlay  products,  and  other  specialty  products.  We
believe that this strategy will realign our business more
closely with our customers' needs and further reduce our
exposure to the higher level of cyclicality experienced in
commodity paper grades.

‚

Execute Long Fiber & Overlay Papers growth
plan. A core component of our long-term strategy is to
drive  growth  in  our  Long  Fiber  &  Overlay  Papers
business  unit.  Currently,  we  are  one  of  the  leading
producers of tea bag and coffee pod/pad papers in the
world, and we believe that this segment has promising
growth characteristics as certain markets move toward
tea bags versus loose tea leaves. We believe that we are
well positioned to capitalize on this growth by leveraging
our  strong  customer  relationships  and  market-leading
position in this segment.

‚

Employ low cost approach to specialty product
manufacturing. While we are focused on higher-value,
niche  products,  we  seek  to  employ  a  commodity-like,
low-cost  approach  to  our  manufacturing  activities.  In
2004,  we  initiated  the  North  American  Restructuring
Program that was designed to improve operating results
improving  workforce
factors, 
by,  among  other 
efficiencies  and  implementing  improved  supply  chain
management  processes.  A  major  component  of  the
workforce  efficiencies  resulted  from  an  approximately
20%  workforce  reduction  agreed  to  by  our  union
members  at  our  Spring  Grove  facility.  In  the  fourth
quarter  of  2005,  we  began  the  implementation  of  the
European Optimization and Restructuring Program (the
""EURO Program''), a comprehensive series of actions
designed  to  improve  the  performance  of  the  Long
Fiber & Overlay business unit. The financial benefits are
estimated  to  be  $7  million  to  $9  million  annually  by
2008.

‚

Maintain a strong balance sheet and preserve
financial  flexibility. We  are  focused  on  prudent
financial  management  and  the  maintenance  of  a
conservative  capital  structure.  We  are  committed  to
maintaining a strong balance sheet and our flexibility to
pursue  strategic  opportunities  that  will  benefit  our
shareholders.

‚

Reposition  our  product  portfolio. By
leveraging our leadership positions in  several  specialty
niche  markets,  we  plan  to  accelerate  growth,  improve

‚

Timberland Strategy We recently completed
an extensive study to determine the optimum approach
for managing our timberlands in a way that creates the

- 3 -

GLATFELTER

that 

greatest  value  for  shareholders.  The  study  considered
many factors including, among others, land valuations,
external  and  internal  wood  costs  and  future  fiber
requirements.  We  concluded 
the  most
advantageous approach is to sell 40,000 acres of higher
and  better  use  (""HBU'')  properties  in  an  orderly
fashion. In some cases, low cost, low risk opportunities
may exist to add value to some of these acres through
entitlements. It is estimated that the cost of fiber will
increase  by  approximately  $0.03  to  $0.06  per  share
annually when all 40,000 HBU acres are sold but that
the  benefit  from  the  proceeds  will  far  outweigh  this
increased cost. For the present, we intend to retain the
pure  timberland  properties  to  mitigate  the  cost  of
replacing  internally  generated  wood  with  outside
sources.  Execution  of  the  Timberland  Strategy  is
expected  to  take  approximately  three  to  five  years  to
complete  and  is  estimated  to  provide  pre-tax  cash
proceeds of approximately $150 million to $200 million,
assuming,  among  other  factors,  acceptable  market
conditions and a carefully executed plan of disposition.

Raw Material and Energy

The following table
provides  an  overview  of  the  estimated  amount  of
principal raw materials (""PRM'') to be used by each of
our manufacturing facilities on an annual basis:

North America
Spring Grove
Pulpwood
Wood- and other pulps

Neenah

Wood- and other pulps
Pulp substitutes

International
Gernsbach

Wood- and other pulps
Abaca pulp
Synthetic fiber

Sca er

Wood pulp
Abaca pulp
Synthetic fiber

Philippines

Abaca fiber

Estimated
Annual Quantity
(short tons)

Percent of
PRM
Purchased

1,027,000
41,000

80%
100

69,500
42,200

32,900
8,250
2,000

1,800
2,160
1,200

17,980

100
100

100
Ó
100

100
Ó
100

100

Our  Spring  Grove  mill  is  a  vertically  integrated
operation producing in excess of 85% of the annual pulp
required for paper production. The principal raw material
used  to  produce  this  pulp  is  pulpwood,  of  which  both
hardwoods  and  softwoods  are  used.  At  December  31,
2005,  we  owned  approximately  81,000  acres  of
timberlands. In addition to this source of pulpwood, we
are  committed,  under  a  Supply  Agreement  expiring  in
2011, to buy at market prices a minimum annual amount
of pine pulpwood averaging 34,425 tons per annum over

the  eight-year  term  of  the  agreement.  The  pulpwood
purchased under this agreement is to be harvested from
land we sold in March 2003.

In addition to these sources, hardwoods are available
within a relatively short distance of our Spring Grove
mill. Softwoods are obtained primarily from Maryland,
Delaware  and  Virginia.  To  protect  our  sources  of
pulpwood, we actively promote conservation and forest
management among suppliers and woodland owners.

Our  Spring  Grove,  Pennsylvania  facility  generates
100%  of  the  steam  and  electricity  required  for  its
operations.  Principal  fuel  sources  used  by  the  Spring
Grove facility are coal, recycled pulping chemicals, bark
and  wood  waste,  and  oil.  The  facility  consumes
approximately  330,000  tons  of  coal  annually.  The
current supply agreement expires at the end of 2006 at
which time a recently negotiated contract is expected to
become  effective.  The  new  three  year  contract  will
increase  our  annual  cost  of  coal  by  approximately
$6 million.

The Spring Grove facility produces more electricity
than  it  requires.  Excess  electricity  is  sold  to  the  local
power  company  under  a  long-term  co-generation
contract  expiring  in  2010.  Net  energy  sales  were
$10.1 million in 2005 and $10.0 million in both 2004 and
2003.

Until  the  fourth  quarter  of  2003,  our  Neenah,
Wisconsin facility recycled high-grade wastepaper as its
primary  raw  material.  Since  the  initiation  of  the
restructuring  at  the  Neenah  facility,  the  pulp
requirements for this facility are fulfilled with purchased
pulp and pulp substitutes.

The  Neenah  facility  purchases  steam  under  a
twenty-year  contract,  expiring  in  2018,  from  a  third
party  steam  supplier  which  processes  sludge  from  the
Neenah  facility  and  from  other  mills  in  the  Neenah
area. Steam acquired under the contract is based on the
cost  of  coal.  The  Neenah 
facility  generates
approximately 15% of its required electrical power and
purchases the remainder.

Our Philippine mill processes abaca fiber to produce
abaca  pulp.  This  abaca  pulp  production  provides  a
unique advantage by supplying a key raw material used
by our Long Fiber & Overlay business unit in Gernsbach
and Sca er. Events may arise from the relatively unstable
political  and  economic  environment  in  which  the
Philippine  facility  operates  that  could  interrupt  the
production  of  abaca  pulp.  Management  periodically
evaluates the supply chain, including the supply of abaca
pulp  to  our  Gernsbach  and  Sca er  facilities.  Any
extended interruption of the Philippine operation could

- 4 -

GLATFELTER

have  a material  impact  on  our  consolidated  financial
position  and/or  results  of  operations.  We  have
approximately  three  months  of  abaca  pulp  supply
available  to  us.  In  addition,  we  have  established
contingency plans for alternative sources of abaca pulp.
However,  the  cost  of  obtaining  abaca  pulp  from  such
alternative sources, if available, would likely be higher.

The Gernsbach and Sca er facilities both generate all
of  the  steam  required  for  their  operations.  The
Gernsbach facility generated approximately 30% of its
2005 electricity needs and purchased the balance. The
Sca er  facility  purchased  all  of  its  2005  electric  power
requirements.  Natural  gas  was  used  to  produce
substantially  all  internally  generated  energy  at  the
Gernsbach and Sca er facilities during 2005.

Based on information currently available, we believe
that  we  will  continue  to  have  ready  access,  for  the
foreseeable future, to all principal raw materials used in
the  production  of  our  products.  The  cost  of  our  raw
material is subject to change, including, but not limited
to, costs of wood and pulp products and energy costs.

revenue 

New Product Development

In order to keep up
with  our  customers'  ever-changing  needs,  we  are
continually  enhancing  our  product  offerings  through
significant investment in product development activities,
in
including  product  customizations  developed 
partnership  or  close  collaboration  with  our  customers.
We  invested  approximately  $4.9  million,  $5.2  million
and $5.2 million in 2005, 2004 and 2003, respectively, on
product development. Revenue generated from products
developed,  enhanced  or  improved  within  the  five
previous years as a result of these activities represented
approximately  52%,  60%  and  47%  of  net  sales  in  the
years  ended  2005,  2004  and  2003,  respectively.  In
determining 
to  product
development  activities,  we  utilize  an  independently
developed framework, which we believe to be generally
accepted in the field of new product management. This
framework categorizes products developed, enhanced or
improved  as  those  that  (i)  are  new  to  the  world,
(ii)  represent  a  product  line  new  to  our  Company,
(iii) are a new product within an existing product line,
(iv)  are  a  significant  improvement  of  an  existing
product, (v) are repositioned into a new application or
market, or (vi) are a lower cost alternative to an existing
product of the Company and seen by our customers as a
new  offering.  Approximately  63%  of  our  revenue
attributable  to  developed,  enhanced  or  improved
products  come  from  products  that  fit  within  category
(ii) and (iii), above.

attributable 

Concentration of Customers

In 2005, 2004 and
2003, no single customer represented more than 10% of
our consolidated net sales.

is 

Our 

industry 

Competition

highly
competitive. We compete on the basis of the quality of
our  products,  customer  service,  product  development
activities, price and distribution. We offer our products
throughout  the  United  States  and  globally  in
approximately  80  countries.  Our  competition  in  the
markets in which we participate comes from companies
of various sizes, some of which have greater financial
and  other  resources  than  we  do.  In  the  engineered
products markets of our Specialty Papers business unit
and in the Long Fiber & Overlay Papers business unit,
competition is product line specific as the necessity for
technical  expertise  and  specialized  manufacturing
equipment  limits  the  number  of  companies  offering
multiple  product  lines.  We  compete  with  specialty
divisions  of  large  companies  such  as,  among  others,
Ahlstrom,  International  Paper,  MeadWestvaco,  Sappi
and Stora Enso as well as other companies such as J R
Crompton. Service, product performance, technological
advances and product pricing are important competitive
factors with respect to all our products. We believe our
reputation in these areas continues to be excellent.

There  are  a  number  of  companies  in  the  United
States that manufacture printing and converting papers.
We  believe  we  are  the  recognized  leader  in  book
publishing papers and compete in these markets with,
among  others,  Domtar  and  Weyerhaeuser.  In  the
envelope sector we compete with, among others, Blue
Ridge, International Paper and Weyerhaeuser. Capacity
in  the  worldwide  uncoated  free-sheet  industry  has
exceeded demand in recent years. Although we believe
demand  increases  will  narrow  this  gap,  the  worldwide
excess capacity is not expected to decline significantly
for the next few years.

Environmental Matters

We are subject to loss
contingencies  resulting  from  regulation  by  various
federal, state, local and foreign governmental authorities
with respect to the environmental impact of our mills.
To comply with environmental laws and regulations, we
have  incurred  substantial  capital  and  operating
expenditures  in  past  years.  For  a  discussion  of
environmental  matters,  see  Item  8. Ì Financial
Statements and Supplementary Data Ì Note 19.

- 5 -

GLATFELTER

Employees

The following table summarizes our

workforce as of December 31, 2005:

Location

North America 1

Corporate/Spring Grove
Neenah

International
Gernsbach
Sca er
Philippines

Total

Employees
Non-
Union

380
45

425

191
56
29

276

701

Union

563
155

718

403
82
54

539

1,257

Total

943
200

1,143

594
138
83

815

1,958

(1) The  completion  of  the  previously  discussed  Chillicothe
transaction  would  include  the  addition  of  approximately  1,700
employees  and  would  be  partially  offset  by  the  elimination  of
positions associated with the Neenah shutdown.

Different  locals  of  the  United  Steelworkers  of
America,  represent  the  hourly  employees  at  our
U.S. facilities.

A  five-year  labor  agreement  ending  January  2008
covering  employees  in  Spring  Grove  was  ratified  in
November  2002.  Among  other  changes,  the  contract
provides for wage increases of 3% for years 2005 through
2007.  In  connection  with  the  North  American
Restructuring Plan, the agreement was amended in July
2004,  providing  workplace  flexibility,  certain  job
changes, and early retirement incentives.

On  October  22,  2002,  hourly  employees  at  our
Neenah,  Wisconsin  facility  ratified  a  five-year  labor
agreement with an expiration date of August 1, 2007.
Under this agreement, effective August 1st of each year,
wages  increase  3%  for  the  duration  of  the  agreement.
The agreement was amended in May of 2005 providing
continuation of a paper machine restart program, certain
job changes, a profit sharing program, modifications to
the medical plans, and early retirement incentives.

Various  unions  represent  employees  at  our
Schoeller  &  Hoesch  facility.  New  labor  agreements
covering  employees  at  the  Gernsbach,  Germany  and
Sca er,  France  facilities  were  entered  into  effective
May 1, 2005 that provided for wage increase averaging
1.5% over a 22 month period ending March 2007.

Employees  at  our  pulpmill  in  the  Philippines  are
covered  by  a  five-year  labor  agreement,  which  was
negotiated at the end of 2002.

We  consider  the  overall  relationship  with  our

employees to be satisfactory.

Available  Information

Our  investor  relations
website address is  www.glatfelter.com/e/investock.asp.

We make available on our site free of charge our Annual
Reports  on  Form  10-K,  Quarterly  Reports  on
Form 10-Q and Current Reports on Form 8-K and other
related information as soon as reasonably practical after
they  are  filed  with  the  Securities  and  Exchange
Commission.  In  addition,  our  website  includes  a
Corporate Governance page consisting of, among others,
our  Governance  Principles  and  Code  of  Business
Conduct,  Board  of  Directors  and  Executive  Officers,
Nominating,  Audit  and  Compensation  Committees  of
the  Board  of  Directors  and  their  respective  Charters,
Code  of  Business  Ethics  for  the  CEO  and  Senior
Financial  Officers  of  Glatfelter,  our  ""whistle-blower''
policy and other related material. We intend to satisfy
the disclosure requirement for any future amendments
to, or waivers from, our Code of Business Conduct or
Code  of  Business  Ethics  for  the  CEO  and  Senior
Financial Officers by posting such information on our
website. We will provide a copy of the Code of Business
Conduct or Code of Business Ethics for the CEO and
Senior Financial Officers, without charge, to any person
who requests one, by calling (717) 225-2724.

ITEM 1A.

RISK FACTORS

Risks Related to Our Business

Our  business  and  financial  performance  may  be
adversely affected by downturns in the target markets
that we serve.

Demand for our products in the markets we serve is
primarily  driven  by  consumption  of  the  products  we
produce,  which  is  often  affected  by  general  economic
conditions. In recent years, the global paper industry in
which  we  compete  has  been  adversely  impacted  by
paper  producing  capacity  exceeding  the  demand  for
products. Downturns in our target markets could result
in decreased demand for our products. In particular, our
business  may  be  adversely  affected  during  periods  of
economic  weakness  by  the  general  softness  in  these
target markets. Our results could be adversely affected if
economic conditions weaken or, with respect to certain
markets,  fail  to  improve.  Also,  there  may  be  periods
during which demand for our products is insufficient to
enable  us  to  operate  our  production  facilities  in  an
economical  manner.  These  conditions  are  beyond  our
ability  to  control  and  have  had,  and  may  continue  to
have,  a  significant  impact  on  our  sales  and  results  of
operations.

In  addition  to  fluctuations  in  demand  for  our
products in the markets we serve, the markets for our
paper products are also significantly affected by changes
in industry capacity and output levels. There have been
periods  of  supply/demand  imbalance  in  the  pulp  and

- 6 -

GLATFELTER

paper industry, which have caused pulp and paper prices
to  be  volatile.  The  timing  and  magnitude  of  price
increases or decreases in the pulp and paper market have
generally  varied  by  region  and  by  product  type.  A
sustained period of weak demand or excess supply would
likely adversely affect pulp and paper prices. This could
have  a  material  adverse  affect  on  our  operating  and
financial results.

Our  industry  is  highly  competitive  and  increased

competition could reduce our sales and profitability.

We offer our products throughout the United States
and globally in approximately 80 countries. We compete
on  the  basis  of  the  quality  of  our  products,  customer
service,  product  development  activities,  price  and
distribution. Our competition in the markets in which
we participate comes from companies of various sizes,
some of which have greater financial and other resources
than we do. In markets for our Engineered Products and
Long-Fiber & Overlay Papers we compete with specialty
divisions  of  large  companies  such  as  Ahlstrom,
International  Paper,  MeadWestvaco,  Sappi  and  Stora
Enso, as well as other companies such as J R Crompton.

With respect to book publishing papers, we compete
with companies such as Domtar and Weyerhaeuser. In
the envelope sector, we compete with companies such as
Blue  Ridge,  International  Paper  and  Weyerhaeuser.
Increased competition could force us to lower our prices
or  to  offer  additional  services  at  a  higher  cost  to  us,
which could reduce our gross margins and net income.
The  greater  financial  resources  of  certain  of  our
competitors may enable them to commit larger amounts
of  capital  in  response  to  changing  market  conditions.
Certain competitors may also have the ability to develop
product  or  service  innovations  that  could  put  us  at  a
disadvantage.

Some  of  the  factors  that  may  adversely  affect  our
ability  to  compete  in  the  markets  in  which  we
participate include:

‚

‚

‚

‚

the entry of new competitors into the markets
we serve, including foreign producers;

the  willingness  of  commodity-based  paper
producers to enter our specialty markets when
they are unable to compete or when demand
softens in their traditional markets;

the aggressiveness of our competitors' pricing
strategies,  which  could  force  us  to  decrease
prices in order to maintain market share;

our  failure  to  anticipate  and  respond  to
changing customer preferences;

‚

‚

our  inability  to  develop  new,  improved  or
enhanced products; and

our inability to maintain the cost efficiency of
our facilities.

If we cannot effectively compete in the markets in
which we operate, our sales and operating results would
be adversely affected.

The  cost  of  raw  materials  and  energy  used  to

manufacture our products could increase.

We require access to sufficient and reasonably priced
quantities  of  pulpwood,  wood  and  other  pulps,  pulp
substitutes, abaca fiber and certain other raw materials.
Although our manufacturing facility in Spring Grove is
a vertically integrated operation that uses wood acquired
from our own timberlands and others to make pulp, our
Neenah facility purchases wood and other pulps for use
in  the  manufacture  of  its  products.  In  addition,  our
Philippines facility purchases abaca fiber to make pulp,
which we use to manufacture our long fiber products in
Gernsbach, Germany and Scaer, France.

Coal  is  a  principal  source  of  fuel  for  our  Spring
Grove facility. In the first quarter of 2006, we negotiated
a new three year coal supply contract that will increase
our  annual  cost  of  coal  by  approximately  $6  million
beginning in 2007.

We may not be able to pass increased raw materials
prices  on  to  our  customers  if  the  market  or  existing
agreements with our customers do not allow us to raise
the prices of our finished products. Moreover, if we elect
to  pass-through  increased  raw  materials  costs,  the
resulting increase in the selling prices for the products
we produce could reduce the volume of units we sell and
decrease our revenues. If price adjustments significantly
trail the increase in raw materials prices or if we cannot
effectively hedge against price increases, our operating
results will be adversely affected.

With  the  exception  of  our  Neenah  facility,  our
production facilities generate all of the steam required
for  their  operations.  The  Neenah  facility  purchases
steam under a long-term agreement with a third party
supplier. The cost of this purchased steam is based on
the  market  price  of  coal,  and  we  are  required  to
purchase  an  annual  minimum  amount.  If  coal  prices
continue  to  increase,  or  if  we  are  unsuccessful  in  any
actions to mitigate such price increases, our operating
results could be adversely impacted.

- 7 -

GLATFELTER

We  are  subject  to  substantial  costs  and  potential

liability for environmental matters.

detailed  discussion  of  these  matters  in  Item  8 Ì
Financial Statements, Note 19.

anticipate 

expenditures.  We 

We  are  subject  to  various  environmental  laws  and
regulations  that  govern  our  operations,  including
discharges into the environment, and the handling and
disposal  of  hazardous  substances  and  wastes.  We  are
also subject to laws and regulations that impose liability
and  clean-up  responsibility  for  releases  of  hazardous
substances  into  the  environment.  To  comply  with
environmental laws and regulations, we have incurred,
and  will  continue  to  incur,  substantial  capital  and
operating 
that
environmental regulation of our operations will continue
to  become  more  burdensome  and  that  capital  and
operating  expenditures  necessary  to  comply  with
environmental  regulations  will  continue,  and  perhaps
increase,  in  the  future.  Because  environmental
regulations are not consistent worldwide, our ability to
compete  in  the  world  marketplace  may  be  adversely
affected by capital and operating expenditures required
for  environmental  compliance.  In  addition,  we  may
incur  obligations  to  remove  or  mitigate  any  adverse
effects  on  the  environment,  such  as  air  and  water
quality,  resulting  from  mills  we  operate  or  have
operated. Potential obligations include compensation for
the restoration of natural resources, personal injury and
property damages.

In connection with the sale of our Ecusta Division in
2001,  we  are  incurring  landfill  closure  costs  and  may
incur  additional  costs  for  recognized  environmental
concerns  at  the  site  of  our  former  mill  related  to  the
presence of mercury and certain other contamination on
and  around  the  site;  potentially  hazardous  conditions
existing in the sediment and water column of the site's
water  treatment  and  aeration  and  sedimentation  basin
(the  ""ASB'');  and  contamination  associated  with  two
additional landfills on the site that were not used by us.

We are also liable for the costs of clean-up related to
the presence of polychlorinated biphenyls, or PCBs, in
the lower Fox River on which our Neenah, Wisconsin
mill  is  located.  We  have  financial  reserves  for
environmental  matters  but  we  cannot  be  certain  that
those  reserves  will  be  adequate  to  provide  for  future
obligations  related  to  these  matters,  that  our  share  of
costs and/or damages for these matters will not exceed
our available resources, or that such obligations will not
have  a  long-term,  material  adverse  effect  on  our
consolidated  financial  position,  liquidity  or  results  of
operations.

Our  environmental  issues  are  complicated  and
should  be  reviewed  in  context;  please  see  a  more

We  may  not  successfully  execute  our  recently
announced  acquisition  and  the  related  production
transition plans.

In  February  2006,  we  entered  into  a  definitive
agreement  to  acquire  the  Chillicothe,  OH  based
carbonless  and  specialty  papers  operations  from
NewPage  Corporation.  Inherent  risks  in  a  proposed
business combination such as this include the inability
to successfully consummate the transaction, the inability
to successfully integrate the acquired production facility,
its procurement, marketing and sales requirements, as
well as information systems, finance and administration
functions.  In  addition,  an  integral  component  of  this
proposed acquisition is the transfer of production from
our  Neenah  facility  to  the  Chillicothe  mill  and  the
permanent  shutdown  of  the  Neenah  facility  with
inherent execution risks.

Our  inability  to  successfully  execute  the  plans
discussed above may adversely impact our relationships
with customers, suppliers and employees. Accordingly,
our financial results may be adversely impacted.

We  have  operations 
economically unstable location.

in  a  politically  and

We own and operate a pulp mill in the Philippines
where the operating environment is unstable and subject
to  political  unrest.  Our  Philippine  pulp  mill  produces
abaca  pulp,  a  significant  raw  material  used  by  our
Gernsbach, Germany and Scaer, France facilities in the
production  of  our  long  fiber-based  products.  Our
Philippine  pulp  mill  is  currently  our  sole  provider  of
abaca  pulp.  There  are  limited  suitable  alternative
sources of readily available abaca pulp in the world. In
the event of a disruption in supply from our Philippine
mill, there is no guarantee that we could obtain adequate
amounts  of  abaca  pulp  from  alternative  sources  at  a
reasonable price or at all. As a consequence, any civil
disturbance,  unrest,  political  instability  or  other  event
that  causes  a  disruption  in  supply  could  limit  the
availability of abaca pulp and would increase our cost of
obtaining abaca pulp. Such occurrences could adversely
impact  our  sales  volumes,  revenues  and  operating
results.

We  may  not  be  able  to  develop  new  products

acceptable to our customers.

Our business strategy is market focused and includes
investments  in  developing  new  products  to  meet  the
changing needs of our customers and to maintain our
market share. Our success will depend in large part on
our ability to develop and introduce new and enhanced

- 8 -

GLATFELTER

products  that  keep  pace  with  introductions  by  our
competitors and changing customer preferences. If we
fail to anticipate or respond adequately to these factors,
then we may lose opportunities for business with both
current and potential customers. The success of our new
product  offerings  will  depend  on  several  factors,
including our ability to,

‚

‚

‚

‚

‚

anticipate and properly identify our customers'
needs and industry trends;

price our products competitively;

develop and commercialize new products and
applications in a timely manner;

differentiate  our  products 
competitors' products; and

from  our

invest in research and development activities
efficiently.

Our  inability  to  develop  new  products  could
adversely impact our business and ultimately harm our
profitability.

Our international operations pose certain risks that

may adversely impact sales and earnings.

We have significant operations and assets located in
Germany, France and the Philippines. Our international
sales and operations are subject to a number of special
risks, in addition to the risks of our domestic sales and
operations, including differing protections of intellectual
property, trade barriers, labor unrest, exchange controls,
regional  economic  uncertainty,  differing  (and  possibly
more stringent) labor regulation, risk of governmental
expropriation, domestic and foreign customs and tariffs,
differing regulatory environments, difficulty in managing
widespread  operations  and  political  instability  and
unrest.  These  factors  may  adversely  affect  our  future
profits. Also, in some foreign jurisdictions we may be
subject to laws limiting the right and ability of entities
organized or operating therein to pay dividends or remit
earnings  to  affiliated  companies  unless  specified
conditions are met. Any such limitations would restrict
our  flexibility  in  using  funds  generated  in  those
jurisdictions.

Foreign currency exchange rate fluctuations could

adversely affect our results of operations.

We  own  and  operate  paper  and  pulp  mills  in
Germany,  France  and  the  Philippines.  The  local
currency in Germany and France is the Euro, while in

the Philippines the currency is the Peso. During the year
ended December 31, 2005, these operations generated
approximately  29%  of  our  sales  and  30%  of  operating
expenses.  The  translation  of  the  results  from  these
international  operations  into  U.S.  dollars  is  subject  to
changes in foreign currency exchange rates.

Our  ability  to  maintain  our  products'  price
competitiveness  for  our  operations  based  in  Germany
and France is reliant, in part, on the relative strength of
the  currency  in  which  the  product  is  denominated
compared to the currency of the market into which it is
sold  and  the  functional  currency  of  our  competitors.
Changes in the rate of exchange of foreign currencies in
relation  to  the  U.S.  dollar  and  other  currencies  may
adversely impact our ability to offer products in certain
markets at acceptable prices or our results of operations.

We may be unable to generate sufficient cash flow
to simultaneously fund our operations, finance capital
expenditures,  satisfy  obligations  and  make  dividend
payments on our common stock.

Our  business  is  capital  intensive  and  requires
significant expenditures for equipment maintenance and
new  or  enhanced  equipment,  for  environmental
compliance  matters  and  to  support  our  business
strategies  and  research  and  development  efforts.  We
expect  to  meet  all  of  our  near-  and  longer-term  cash
needs from a combination of operating cash flow, cash
and cash equivalents, sale of timberlands, our existing
credit  facility  or  other  bank  lines  of  credit  and  other
long-term debt. If we are unable to generate sufficient
cash  flow  from  these  sources,  we  could  be  unable  to
meet  our  near  and  longer-term  cash  needs  or  make
dividend payments.

ITEM 2.

PROPERTIES

Our  leased  corporate  offices  are  located  in  York,
Pennsylvania. We own and operate paper mills located
in  Spring  Grove,  Pennsylvania;  Neenah,  Wisconsin;
Gernsbach,  Germany;  and  Sca er,  France.  In  addition,
we  own  and  operate  a  pulp  mill  in  the  Philippines.
Substantially  all  of  the  equipment  used  in  our
papermaking and related operations, with the exception
of  some  leased  vehicles,  is  also  owned.  All  of  our
properties, other than those that are leased, are free from
any material liens or encumbrances. We consider all of
our buildings to be in good structural condition and well
maintained  and  our  properties  to  be  suitable  and
adequate for present operations.

- 9 -

GLATFELTER

The  following  table  summarizes  the  estimated

ITEM 3.

LEGAL PROCEEDINGS

production capacity of each of our facilities:

Estimated Annual Production Capacity (short tons)

North America

Spring Grove

Neenah

International

Gernsbach

Sca er
Philippines

310,000

66,000

125,000

44,600

11,400

6,100

11,400

Uncoated

Coated

Uncoated

Lightweight

Metallized

Lightweight

Abaca pulp

The  Spring  Grove  facility  includes  five  uncoated
paper machines that have been rebuilt and modernized
from time to time. It has an off-line combi-blade coater
and  a  Specialty  Coater  (""S-Coater''),  which  together
yield a potential annual production capacity for coated
paper  of  approximately  66,000  tons.  Since  uncoated
paper  is  used  in  producing  coated  paper,  this  is  not
additional  capacity.  We  view  the  S-Coater  as  an
important  asset  that  allows  us  to  expand  our  more
profitable engineered paper products business.

The  Spring  Grove  facility  also  includes  a  pulpmill
that has a production capacity of approximately 650 tons
of  bleached  pulp  per  day.  We  have  a  precipitated
calcium carbonate (""PCC'') plant at our Spring Grove
facility that produces PCC at a lower cost than could be
purchased from others and lowers the need for higher-
priced  raw  material  typically  used  for  increasing  the
opacity and brightness of certain papers.

Our  wholly-owned  subsidiary  Schoeller  &  Hoesch
GmbH & Co. KG (""S&H'') owns and operates paper
mills in Gernsbach, Germany and Sca er, France. S&H
also  owns  a  pulpmill  in  the  Philippines  that  supplies
substantially all of the abaca pulp requirements of the
S&H paper mills.

The Gernsbach facility includes five uncoated paper
machines with an aggregate annual lightweight capacity
of  about  44,600  tons.  In  2003,  we  rebuilt  a  paper
machine  with  new  state-of-the-art  inclined  wire
technology (PM #9). We believe this machine provides
us greater flexibility and technological capabilities. The
Gernsbach  facility  also  has  the  capacity  to  produce
11,400  tons  of  metallized  papers  annually,  using  a
lacquering machine and two metallizers. We purchase
the  base  paper  used  to  manufacture  the  metallized
paper.

In 2004, our Philippine facility, which supplies abaca
pulp to S&H, began operation of a new globe digester
that  increased  our  annual  abaca  pulp  production  by
approximately 8%.

We are involved in various lawsuits that we consider
to  be  ordinary  and  incidental  to  our  business.  The
ultimate outcome of these lawsuits cannot be predicted
with certainty; however, we do not expect such lawsuits
individually  or  in  the  aggregate,  will  have  a  material
adverse  effect  on  our  consolidated  financial  position,
liquidity or results of operations.

For a discussion of commitments, legal proceedings
and  related  contingencies,  see  Item  8 Ì Financial
Statements and Supplementary Data Ì Note 19.

ITEM 4.
VOTE OF SECURITY HOLDERS.

SUBMISSION OF MATTERS TO A

Not  Applicable Ì no  matters  were  submitted  to  a
vote  of  security  holders  during  the  fourth  quarter  of
2005.

EXECUTIVE OFFICERS

The  following  table  sets  forth  certain  information
with respect to our executive officers as of March 10,
2006.

Name

Age

Office with the Company

George H. Glatfelter II

54 Chairman and Chief Executive

Officer

Dante C. Parrini

41 Executive Vice President and Chief

Operating Officer

John C. van Roden, Jr.

56 Executive Vice President and Chief

Financial Officer

John P. Jacunski

40 Vice President and Corporate

Controller

Jeffrey J. Norton

47 Vice President, General Counsel

and Secretary

Werner A. Ruckenbrod

48 Vice President Long Fiber &

Overlay Papers

Mark A. Sullivan

51 Vice President Global Supply

Chain

William T. Yanavitch II

45 Vice President Human Resources

and Administration

Officers are elected to serve at the pleasure of the Board
of Directors. Except in the case of officers elected to fill
a  new  position  or  a  vacancy  occurring  at  some  other
date, officers are generally elected at the organizational
meeting  of  the  Board  of  Directors  held  immediately
after the annual meeting of shareholders.

George H. Glatfelter II is our Chairman and Chief
Executive Officer. From April 2000 to February 2001,
Mr.  Glatfelter  was  Chairman,  President  and  Chief
Executive Officer. From June 1998 to  April 2000, he
was Chief Executive Officer and President.

Mr.  Glatfelter  serves  as  a  director  of  Met-Pro
the  American  Forest  and  Paper

Corporation; 

- 10 -

GLATFELTER

Association; the National Council for Air and Stream
Improvements;  and  the  Alliance  for  the  Chesapeake
Bay.

promotion of Mr. Jacunski to Senior Vice President and
Chief  Financial  Officer  upon  the  effective  date  of
Mr. van Roden's resignation.

Dante C. Parrini became Executive Vice President
and Chief Operating Officer in February 2005. Prior to
this, Mr. Parrini was Senior Vice President and General
Manager, a position he held since January 2003. From
December  2000  until  January  2003,  Mr.  Parrini  was
Vice President Ì Sales and Marketing. From July 2000
to December 2000, he was Vice President Ì Sales and
Marketing, Glatfelter Division and Corporate Strategic
Marketing.

John C. van Roden, Jr. was elected Executive Vice
President and Chief Financial Officer in February 2005.
Prior to that he was Senior Vice President and Chief
Financial Officer since he joined us in April 2003. From
September 1998 to September 2002, Mr. van Roden was
Senior  Vice  President  and  Chief  Financial  Officer  of
Conectiv of Wilmington, DE. In January 2006, Mr. van
Roden  announced  his  resignation,  effective  June  30,
2006, as Chief Financial Officer of the Company. He
intends to remain with us through the end of 2006.

Mr. van Roden is a Director of Ascendant Capital
Partners,  LLC.,  HB  Fuller  Company  and  Semco
Energy, Inc.

John  P.  Jacunski  joined  us  in  October  2003,  and
serves  as  Vice  President  &  Corporate  Controller.
Mr. Jacunski was previously Vice President and Chief
Financial Officer at WCI Steel, Inc. from June 1999 to
October  2003.  From  May  1995  to  June  1999  he  was
WCI's  Corporate  Controller.  Prior  to  joining  WCI,
Mr.  Jacunski  was  with  KPMG,  an  international
accounting  and  consulting  firm,  where  he  served  in
various capacities. In January 2006, we announced the

Jeffrey J. Norton joined us in May 2005 and serves
as Vice President, General Counsel and Secretary. Prior
to  joining  Glatfelter,  Mr.  Norton  was  with  Exelon
Corporation,  a  $15  billion  energy  corporation,  for
14 years where he most recently was Assistant General
Counsel.

Werner  A.  Ruckenbrod  is  Vice  President  Long
Fiber  &  Overlay  Papers  with  responsibilities  for  the
operations  and  performance  of  this  business  unit.
Mr. Ruckenbrod joined our subsidiary, S&H, in 1984.
Since joining our company, Mr. Ruckenbrod has held
various production related positions.

Mark  A.  Sullivan  was  appointed  Vice  President
Global  Supply  Chain  in  February  2005.  Mr.  Sullivan
joined  our  company  in  December  2003,  as  Chief
Procurement Officer. His experience includes a broad
array  of  operations  and  supply  chain  management
responsibilities  during  20  years  with  the  DuPont
Company.  He  served  with  T-Mobile  USA  as  an
independent  contractor  during  2003,  and  Concur
Technologies from 1999 until 2002.

William T. Yanavitch II rejoined the Company in
May  2005  as  Vice  President  Human  Resources  and
Administration. Mr. Yanavitch served as Vice President
Human Resources from July 2000 until his resignation
in  January  2005  at  which  time  he  became  Corporate
Human  Resources  Manager  of  Constellation  Energy.
From October 1998 to July 2000, Mr. Yanavitch was
Director  of  Human  Resources  for  the  Ceramco  and
Trubyte Divisions of Dentsply.

- 11 -

GLATFELTER

PART II

ITEM 5.

MARKET FOR THE REGISTRANT'S
COMMON STOCK AND RELATED
STOCKHOLDER MATTERS AND
ISSUER PURCHASES OF EQUITY
SECURITIES

Common  Stock  Prices  and  Dividends  Declared

Information

The following table shows the high and low prices of
our  common  stock  traded  on  the  New  York  Stock
Exchange  under  the  symbol  ""GLT''  and  the  dividend
declared per share for each quarter during the past two
years.

ITEM 6.

SELECTED FINANCIAL DATA

Summary of Selected Consolidated Financial Data

Quarter

High

Low

Dividend

2005

Fourth

Third

Second

First

2004

Fourth

Third

Second

First

$15.11

14.92

14.93

15.47

$15.49

14.23

14.09

12.93

$12.41

12.00

10.95

12.86

$11.34

11.50

10.45

10.44

$0.09

0.09

0.09

0.09

$0.09

0.09

0.09

0.09

As of March 1, 2006, we had 1,881 shareholders of
record.  A  number  of  the  shareholders  of  record  are
nominees.

As of or For the Year Ended December 31
In thousands, except per share

Net sales

Energy sales, net

Total revenue

Restructuring charges and unusual

items

Gains on dispositions of plant,
equipment and timberlands

Gains from insurance recoveries

Income from continuing

operations

Income per share from continuing

operations

Basic

Diluted

Total assets

Total debt

Shareholders' equity

Cash dividends declared per

common share

2005

2004

2003

$ 579,121

$ 543,524

$ 533,193

10,078

589,199

9,953

553,477

10,040

543,233

2002

$540,347

9,814

550,161

2001(1)

$632,602

9,661

642,263

(1,564)

(20,375)

(24,995)

(2,241)

(60,908)

22,053

20,151

38,609

0.88

0.87

1,044,977

207,073

432,312

58,509

32,785

56,102

1.28

1.27

1,052,270

211,227

420,370

32,334

Ó

12,986

0.30

0.30

1,027,019

254,275

371,431

1,304

Ó

37,637

0.87

0.86

953,202

220,532

373,833

2,015

Ó

6,829

0.16

0.16

966,604

277,755

353,469

0.36

0.36

0.53

0.70

0.70

1. Our Ecusta Division was sold in August 2001. Ecusta Division net sales totaled $90.8 million. In 2001, we recorded a pre-tax loss on the sale, which

was recorded as an unusual item, totaling $58.4 million.

2. The above Summary of Selected Consolidated Financial Data, and the comparability thereof, includes the impact of certain charges and
gains from asset dispositions and insurance recoveries. For a discussion of these items that affect the comparability of this information, see
Item 8 Ì Financial Statements and Supplemental Data Notes 5 to 7 and Note 9.

- 12 -

GLATFELTER

ITEM 7.

MANAGEMENT'S DISCUSSION AND
ANALYSIS OF FINANCIAL
CONDITION AND RESULTS OF
OPERATIONS

Forward-Looking  Statements

This  Annual
Report  on  Form  10-K  includes  forward-looking
statements within the meaning of the Private Securities
Litigation  Reform  Act  of  1995.  All  statements  other
than statements of historical fact, including statements
regarding  industry  prospects  and  future  consolidated
financial position or results of operations, made in this
Report  on  Form  10-K  are  forward  looking.  We  use
words  such  as  ""anticipates'',  ""believes'',  ""expects'',
""future'', ""intends'' and similar expressions to identify
forward-looking statements. Forward-looking statements
reflect  management's  current  expectations  and  are
inherently  uncertain.  Our  actual  results  may  differ
significantly  from  such  expectations.  The  following
discussion 
statements
regarding expectations of, among others, net sales, costs
of  products 
income,
environmental costs, capital expenditures and liquidity,
all of which are inherently difficult to predict. Although
we make such statements based on assumptions that we
believe to be reasonable, there can be no assurance that
actual  results  will  not  differ  materially  from  our
expectations.  Accordingly,  we  identify  the  following
important factors, among others, which could cause our
results to differ from any results that might be projected,
forecasted  or  estimated  in  any  such  forward-looking
statements:

sold,  non-cash  pension 

forward-looking 

includes 

i.

ii.

variations  in  demand  for,  or  pricing  of,  our
products;

changes in the cost or availability of raw materials
we use, in particular market pulp, pulp substitutes,
and  abaca  fiber,  and  changes  in  energy-related
costs;

iii. our  ability  to  develop  new,  high  value-added
Specialty Papers and Long Fiber & Overlay Papers;

iv.

v.

the  impact  of  competition,  changes  in  industry
the
paper  production  capacity, 
construction of new mills, the closing of mills and
incremental changes due to capital expenditures or
productivity increases;

including 

cost and other effects of environmental compliance,
cleanup,  damages,  remediation  or  restoration,  or
personal injury or property damages related thereto,
such as the costs of natural resource restoration or
damages related to the presence of polychlorinated
biphenyls  (""PCBs'')  in  the  lower  Fox  River  on
which our Neenah mill is located; and the costs of

vi.

vii.

environmental  matters  at  our  former  Ecusta
Division mill;

the gain or loss of significant customers and/or on-
going viability of such customers;

risks  associated  with  our  international  operations,
including 
political
environments  and 
in  currency
exchange rates;

economic 
fluctuations 

local 

and 

viii. geopolitical events, including war and terrorism;

ix.

enactment of adverse state, federal or foreign tax or
other legislation or changes in government policy or
regulation;

x.

adverse results in litigation;

xi. disruptions  in  production  and/or  increased  costs

due to labor disputes;

xii. our  ability  to  successfully  implement  the  EURO

Program;

xiii. our ability to successfully execute our timberland
strategy to realize the value of our timberlands;

xiv. our ability to execute the planned shutdown of the

Neenah facility in an orderly manner; and

xv. our  ability  to  finance,  consummate  and  integrate

acquisitions.

We 

Introduction

manufacture, 

both
domestically  and  internationally,  a  wide  array  of
specialty papers and engineered products. Substantially
all of our revenue is earned from the sale of our products
to  customers  in  numerous  markets,  including  book
publishing, food and beverage, decorative laminates for
furniture and flooring, and other highly technical niche
markets.

Overview

The  comparison  of  our  financial
results for 2005 compared to 2004 reflects the following
significant items:

1) Demand for products in our North America-based
Specialty Papers business unit improved and selling
prices strengthened beginning in the second quarter
of 2004 benefiting the year over year comparison;

2) The  results  of  our  Long  Fiber  &  Overlay  Papers
business  unit,  based  in  Europe,  declined  in  the
comparison primarily due to increased competition
and  the  related  adverse  affect  on  selling  prices
together  with  softer  demand  in  the  composite
laminates and food and beverage markets;

3) Input  costs,  primarily  fiber  and  energy  related,
increased  significantly  in  the  comparison  putting
pressures on our margins;

- 13 -

GLATFELTER

4) Selling, general & administrative expenses increased
primarily due to a charge to increase our reserve for
costs associated with environmental matters at the
former  Ecusta  facility  located  in  North  Carolina,
increased legal costs and variable compensation;

5) The  North  America  Restructuring  Program,  an
initiative  focused  on  improving  profitability  by
enhancing  our  product  mix,  increasing  workforce
productivity, and reducing costs by enhancing supply
chain  management  strategies,  was  implemented
beginning in the second half of 2004. The financial
benefits  of  this  program  met  our  expectations  of
approximately $15 million to $20 million, annually;
and

6) The results for each year include significant gains
from  sales  of  timberlands  and  from  insurance
recoveries.  Cash  proceeds  were  used,  in  part,  to
reduce debt.

Recent  Developments

On  February  21,  2006
we  entered  into  a  definitive  asset  purchase  agreement
with NewPage Corporation and Chillicothe Paper Inc.,
a wholly owned subsidiary of NewPage Corporation (the
""Asset Purchase Agreement''), to acquire certain assets
and  assume  certain  liabilities  constituting  NewPage
Corporation's carbonless and specialty papers business
for  $80  million  in  cash.  The  business  to  be  acquired
includes a 440,000 tons per year paper making facility in
Chillicothe,  Ohio,  together  with  its  Fremont,  Ohio-
based  coating  operations  (collectively,  ""Chillicothe'').
Estimated  2005  revenue  for  Chillicothe  totaled
approximately $440 million and Chillicothe employees
total approximately 1,700. The transaction is expected to
close on or about March 31, 2006.

The Chillicothe acquisition enables us to transfer our
Neenah facility's specialty grades to Chillicothe's highly
efficient  manufacturing  environment  and  rationalize
assets that are no longer competitive. Accordingly, it is
anticipated the Neenah mill will be permanently shut
down  by  June  2006,  contingent  on  the  successful
completion of the Chillicothe transaction.

In  connection  with  the  planned  closure  of  the
Neenah  facility,  we  expect  to  record  related  charges
estimated  to  total  $60  million  to  $65  million.  The
charges are primarily related to asset writedowns and/or
accelerated  depreciation,  employee  termination  and
related benefits, and contract termination costs.

On  March  8,  2006,  we  entered  into  two  separate
transactions to acquire certain assets of J R Crompton
Limited, a global supplier of wet laid nonwoven products
based  in  Manchester,  United  Kingdom.  Since
February 7, 2006, Crompton has been ordered to be in

Administration by The High Court of Justice Chancery
Division, Manchester District.

Under the terms of the first transaction, Glatfelter
acquired effective March 13, 2006, Crompton's Lydney
Mill, located in Gloucestershire, United Kingdom, for
GBP37.5  million  (US  $65.1  million).  The  facility
employs  about  240  people  and  had  2005  revenues  of
approximately GBP43 million (US $75 million).

The Lydney mill produces a broad portfolio of wet
laid nonwoven products, including tea and coffee filter
papers, clean room wipes, lens tissue, dye filter paper,
double-sided adhesive tape substrates and battery grid
pasting tissue.

located 

Under the second transaction we agreed to purchase
Crompton's  Simpson  Clough  Mill, 
in
Lancashire, United Kingdom, and other related assets
for  GBP12.5  million  (US  $21.7  million),  subject  to
regulatory approval. The mill employs about 95 people
and 
approximately
revenues 
GBP16.2  million  (US  $28  million).  The  Simpson
Clough facility also manufactures a wide variety of wet
laid, nonwoven products.

2005 

had 

of 

RESULTS OF OPERATIONS

2005 versus 2004

The following table sets forth summarized results of

operations:

In thousands, except per share

2005

2004

Year Ended December 31

Net sales

Gross profit

Operating income

Net income

Earnings per diluted share

$579,121

$543,524

97,176

70,183

38,609

0.87

92,414

103,394

56,102

1.27

The consolidated results of operations for the years
ended  December  31,  2005  and  2004  include  the
following significant items:

In thousands, except per share

After-tax
Income (loss)

Diluted EPS

2005

Gains on sale of timberlands

Insurance recoveries

Restructuring charges

2004

Gains on sale of timberlands and

corporate aircraft

Insurance recoveries
Restructuring charges

$11,258

12,719

(1,017)

$34,151

21,310
(12,723)

$0.26

0.29

(0.02)

$0.78

0.48
(0.29)

The above items increased earnings from continuing
operations by $23.0 million, or $0.52 per diluted share in

- 14 -

GLATFELTER

2005, and by $42.7 million, or $0.97 per diluted share, in
2004.

Specialty  Papers  business  unit;  and  the  Europe-based
Long Fiber & Overlay Papers business unit.

Business Units
We manage our business in two
distinct  business  units:  the  North  America-based

The following table sets forth profitability information by business unit and the composition of consolidated income

from continuing operations before income taxes:

Year Ended December 31
Dollars in thousands

Net sales

Energy sales, net

Total revenue

Cost of products sold

Gross profit (loss)

SG&A

Pension income

Restructuring charges

Gains on dispositions of plant, equipment

and timberlands

Gain on insurance recoveries

Specialty Papers
2004
2005

Long Fiber & Overlay

Other and Unallocated

Total

2005

2004

2005

2004

2005

2004

$380,923

$337,436

$198,137

$205,232

$

10,078

391,001

340,629

50,372

39,876

9,953

347,389

312,136

35,253

36,617

Ó

Ó

198,137

166,153

31,984

21,282

205,232

163,843

41,389

23,067

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

61

Ó

61

84

(23)

8,149

$

856

$579,121

$543,524

Ó

10,078

9,953

856

1,021

(165)

1,660

589,199

506,866

82,333

69,307

553,477

477,000

76,477

61,344

(16,517)

(17,342)

(16,517)

(17,342)

1,564

20,375

1,564

20,375

(22,053)

(20,151)

(58,509)

(32,785)

(22,053)

(20,151)

(58,509)

(32,785)

Total operating income (loss)

10,496

(1,364)

10,702

18,322

48,985

86,436

70,183

103,394

Nonoperating income (expense)

Ó

Ó

Ó

Ó

(10,043)

(12,631)

(10,043)

(12,631)

Income from continuing operations before

income taxes

Supplementary Data

Net tons sold

Depreciation expense

$ 10,496

$ (1,364)

$ 10,702

$ 18,322

$ 38,942

$ 73,805

$ 60,140

$ 90,763

450,900

421,504

47,669

48,528

$ 35,781

$ 37,186

$ 14,866

$ 14,412

24

Ó

390

Ó

498,593

470,422

$ 50,647

$ 51,598

Results  of  individual  business  units  are  presented
based  on  our  management  accounting  practices  and
management  structure.  There  is  no  comprehensive,
authoritative  body  of  guidance  for  management
accounting equivalent to accounting principles generally
accepted in the United States of America; therefore, the
financial  results  of  individual  business  units  are  not
necessarily comparable with similar information for any
other  company.  The  management  accounting  process
to  measure
uses  assumptions  and  allocations 
performance  of  the  business  units.  Methodologies  are
refined  from  time  to  time  as  management  accounting
practices  are  enhanced  and  businesses  change.  Costs
incurred by support areas not directly aligned with the
business  unit  are  allocated  primarily  based  on  an
estimated utilization of support area services.

Management evaluates business unit results before
non-cash pension income, restructuring related charges,
unusual items, effects of asset dispositions and insurance
recoveries because it believes this is a more meaningful
representation of the operating performance of its core
papermaking businesses and the profitability of business
units.  This  presentation  is  closely  aligned  with  the
management and operating structure of our Company. It

is  also  on  this  basis  that  Company's  performance  is
evaluated internally and by our Board of Directors.

Sales and Costs of Products Sold

Year Ended December 31

In thousands

Net sales

Energy sales Ó net

Total revenues

2005

$579,121

10,078

589,199

Costs of products sold

492,023

2004

$543,524

9,953

553,477

461,063

Change

$35,597

125

35,722

30,960

Gross profit

$ 97,176

$ 92,414

$ 4,762

Gross profit as a

percent of Net sales

16.8%

17.0%

The  following  table  sets  forth  the  contribution  to

consolidated net sales by each business unit:

Business Unit

Specialty Papers
Long-Fiber & Overlay Papers

Tobacco Papers

Total

Year Ended December 31
2004
2005

65.8%
34.2

Ó

100.0%

62.1%
37.8

0.1

100.0%

- 15 -

GLATFELTER

Net sales totaled $579.1 million in 2005, an increase
of $35.6 million, or 6.6%, compared to a year ago. This
growth  was  primarily  driven  by  strengthened  product
pricing and a 7.0% increase in volumes shipped in the
Specialty Papers business unit compared with the same
period  of  2004.  Higher  pricing  for  Specialty  Papers'
products increased revenue by $17.6 million compared
to 2004. Long Fiber & Overlay Papers' volumes shipped
declined approximately 1.8% and lower selling prices, on
a  constant  currency  basis,  decreased  revenue  by
$7.4  million.  Costs  of  products  sold  increased
$31.0 million in the comparison. In addition to the effect
of increased shipping volumes, higher raw material and
energy  prices  increased  costs  of  products  sold  by
approximately $11.1 million.

  Lower  labor  costs  realized  from  the  2004  North
American  Restructuring  Program  were  substantially
offset by higher spending on supplies and maintenance
and  by  the  impact  of  significant  market  related
downtime in the Long Fiber & Overlay Papers business
unit.

Non-Cash  Pension  Income

Non-cash  pension
income results from the considerably over-funded status
of  our  pension  plans.  The  amount  of  pension  income
recognized  each  year  is  determined  using  various
actuarial  assumptions  and  certain  other  factors,
including the fair value of our pension assets as of the
beginning of the year. The following summarizes non-
cash pension income for each period:

In thousands

Recorded as:

Year Ended December 31
2004
2005

Change

Costs of products sold

$14,844

$15,937

$(1,093)

SG&A expense

Total

1,673

$16,517

1,405

268

$17,342

$ (825)

The  following  summarizes  SG&A  expenses,
restructuring charges, gains from asset dispositions and
other nonrecurring items:

In thousands

SG&A expenses

Restructuring charges

Gains on dispositions of
plant, equipment and
timberlands

Gains from insurance

Year Ended December 31
2004
2005

$67,633

1,564

$59,939

20,375

Change

$

7,694

(18,811)

(22,053)

(58,509)

36,456

recoveries

(20,151)

(32,785)

12,634

Selling,  General  and  Administrative  (""SG&A'')
expenses  increased  $7.7  million  in  the  comparison
primarily due to a $2.7 million charge to increase our
reserve for costs associated with environmental matters
at the former Ecusta facility located in North Carolina,

$2.1  million  of  additional  variable  compensation  and
$2.0 million of higher litigation related costs.

Restructuring Charges

In 2005 we announced
the  EURO  Program,  a  comprehensive  series  of
initiatives designed to improve the performance of our
Long  Fiber  &  Overlay  Papers  business  unit.  In  the
fourth quarter of 2005 we recorded restructuring charges
totaling  $1.6  million  associated  with  the  related  work
force  efficiency  plans  at  the  Gernsbach,  Germany
facility. This charge reflects severance, early retirement
and  related  costs  for  the  55  effected  employees.  We
expect to incur cash out lays in this amount over the
next 24 month period.

The restructuring charge incurred in 2004 related to
the North American Restructuring Program and certain
actions related to the Neenah facility. These actions are
discussed  in  detail  in  this  Item  7  under  the  caption
""Results  of  Operations  2004  versus  2003 Ì
Restructuring Charges.''

Gain  on  Sales  of  Plant,  Equipment  and
Timberlands
During 2005 and 2004, we completed
sales of timberlands and, in 2004, the corporate aircraft.
The following table summarizes these transactions.

Dollars in thousands

Acres

Proceeds

Gain

2005

Timberlands

Other

Total

2004

Timberlands

Corporate Aircraft

Other

Total

2,488

$21,000

$20,327

n/a

1,778

1,726

$22,778

$22,053

4,482

$56,586

$55,355

n/a

n/a

2,861

724

2,554

600

$60,171

$58,509

All property sales were sold for cash.

Insurance  Recoveries

During  2005  and  2004,
we reached successful resolution of certain claims under
insurance  policies 
the  Fox  River
related 
environmental matter. Insurance recoveries included in
the results of operations totaled $20.2 and $32.8 million
in  2005  and  2004,  respectively,  and  were  received  in
cash. Any additional insurance recoveries are expected
to be insignificant.

to 

Income  Taxes

The  Company's  effective  tax
rates  for  2005  and  2004  were  35.8%  and  38.2%,
respectively.  The  lower  effective  tax  rate  in  2005  was
primarily due to decreased amounts of timberland sales
in 2005, which are taxed at higher effective rates, and
the  effect  of  tax  credits  and  the  related  impact  on
valuation  allowances  relative  to  the  level  of  pre-tax
income.

- 16 -

GLATFELTER

Foreign  Currency

We  own  and  operate  paper
and pulp mills in Germany, France and the Philippines.
The local currency in Germany and France is the Euro,
while in the Philippines the currency is the Peso. During
the  year  ended  December  31,  2005,  these  operations
generated approximately 29% of our sales and 30% of
operating expenses. The translation of the results from
these international operations into U.S. dollars is subject
to changes in foreign currency exchange rates.

RESULTS OF OPERATIONS

2004 versus 2003

The following table sets forth summarized results of

operations:

In thousands, except per share

2004

2003

Year Ended December 31

Net sales

Gross profit

Operating income

Income from continuing operations

Net loss from discontinued operations

Net income

Earnings per diluted share from

continuing operations

Earnings per diluted share

$543,524

$533,193

92,414

103,394

56,102

Ó

56,102

1.27

1.27

79,546

34,250

12,986

(325)

12,661

0.30

0.29

The consolidated results of operations for the years
ended  December  31,  2004  and  2003  include  the
following significant items:

In thousands, except per share

After-tax
Income (loss)

Diluted EPS

2004

Gains on sale of timberlands and

corporate aircraft

Insurance recoveries

Restructuring charges

2003

Gain on sale of timberlands

Restructuring charges

Ecusta related reserves

Asset write downs

$34,151

21,310

(12,723)

$19,965

(8,582)

(7,315)

(2,124)

$0.78

0.48

(0.29)

$0.46

(0.20)

(0.17)

(0.05)

The above items increased earnings from continuing
operations by $42.7 million, or $0.97 per diluted share in
2004, and by $1.9 million, or $0.04 per diluted share, in
2003.

Business Units

The following table sets forth profitability information by business unit and the composition of

consolidated income from continuing operations before income taxes:

Year Ended December 31
Dollars in thousands

Net sales
Energy sales, net

Total revenue

Cost of products sold

Gross profit (loss)

SG&A
Pension income
Restructuring recorded as
component of COS
Restructuring charges
Unusual items
Gains on dispositions of plant,
equipment and timberlands
Gain on insurance recoveries

Specialty Papers

Long Fiber & Overlay

Other and Unallocated

Total

2004

2003

2004

2003

2004

$337,436
9,953

347,389
312,136

35,253
36,617
Ó

$357,989
10,040

368,029
325,897

42,132
44,494
Ó

$205,232
Ó

205,232
163,843

41,389
23,067
Ó

$165,389
Ó

165,389
130,838

34,551
16,669
Ó

Ó
Ó
Ó

Ó
Ó

Ó
Ó
Ó

Ó
Ó

Ó
Ó
Ó

Ó
Ó

Ó
Ó
Ó

Ó
Ó

$

856
Ó

856
1,021

$

2003

9,815
Ó

9,815
15,448

(165)
1,660
(17,342)

(5,633)
125
(17,149)

Ó
20,375
Ó

6,511
6,983
11,501

2004

2003

$543,524
9,953

$533,193
10,040

553,477
477,000

76,477
61,344
(17,342)

Ó
20,375
Ó

543,233
472,183

71,050
61,288
(17,149)

6,511
6,983
11,501

(58,509)
(32,785)

86,436
(12,631)

(32,334)
Ó

18,730
(13,834)

(58,509)
(32,785)

103,394
(12,631)

(32,334)
Ó

34,250
(13,834)

Total operating income (loss)
Nonoperating income (expense)

(1,364)

(2,362)

Ó

Ó

18,322
Ó

17,882
Ó

Income (loss) from continuing

operations before income taxes

$ (1,364)

$ (2,362)

$ 18,322

$ 17,882

$ 73,805

$

4,896

$ 90,763

$ 20,416

Supplementary Data
Net tons sold
Depreciation expense

421,504
$ 37,186

446,110
$ 44,216

48,528
$ 14,412

42,993
$ 11,813

390
Ó

6,463
Ó

470,422
$ 51,598

495,566
$ 56,029

- 17 -

GLATFELTER

Sales and Costs of Products Sold

Year Ended
December 31

In thousands

2004

2003

Change

Net sales
Energy sales Ì net

Total revenues

Costs of products sold

Gross profit

$543,524
9,953

$533,193
10,040

$10,331
(87)

553,477
461,063

543,233
463,687

10,244
(2,624)

$ 92,414

$ 79,546

$12,868

Gross profit as a percent of Net

sales

17.0%

14.9%

Net  sales  in  the  Specialty  Papers  business  unit
declined  $20.6  million,  or  5.7%  in  the  year-to-year
comparison. Approximately $13.9 million of this decline
was due to lower volume primarily attributable to the
shutdown in late 2003 of a paper machine at the Neenah
facility.  Selling  prices  in  this  business  unit  declined
during  most  of  2003,  stabilized  in  the  first  quarter  of
2004  and  subsequently  strengthened  throughout  the
remainder of the year. Comparing the full year 2004 to
2003,  average  selling  prices  for  the  Specialty  Papers
business unit declined slightly.

Long  Fiber  &  Overlay  Papers'  net  sales  increased
$39.8  million,  or  24.1%,  in  the  comparison  due  to  an
increase  in  volumes  shipped,  particularly  in  the  Food
and Beverage and Composite Laminates sectors, and a
$16.0  million  favorable  effect  of  foreign  currency
translation  adjustments.  Although 
the  weaker
U.S.  dollar  favorably  impacted  translated  net  sales  of
international operations, it adversely affected the price
competitiveness  of  Long  Fiber  &  Overlay  Papers'
products in certain geographic markets.

The  following  tables  set  forth  the  contribution  to

consolidated net sales by each business unit:

Business Unit
Special Papers
Long-Fiber & Overlay Papers
Tobacco Papers

Total

Percent of
Total

2004

2003

62.1%
37.8
0.1

67.2%
31.0
1.8

100.0% 100.0%

Costs of products sold declined $2.6 million in the
comparison due to lower production costs related to the
decline in sales volumes in the Specialty Papers business
unit, nonrecurring restructuring charges from 2003 and
other cost reduction initiatives. Partially offsetting these
factors  was  the  unfavorable  effect  of  foreign  currency
translation adjustments, costs associated with increased
sales volume in the Long Fiber & Overlay business unit,

and  higher  raw  material  and  energy  prices.  The
following table summarizes changes in costs of products
sold for the year ended December 31, 2004 compared to
the 2003.

In thousands

Foreign currency changes
Lower sales volume, net
2003 Neenah restructuring related charges
Other

Total

Year Ended
December 31, 2004
(Favorable)
unfavorable
$12,322

(8,262)
(6,511)
(173)

$(2,624)

Non-Cash  Pension  Income

Non-cash  pension
income results from the considerably over-funded status
of our plans. The amount of pension income recognized
each  year  is  determined  using  various  actuarial
assumptions and certain other factors, including the fair
value of our pension assets as of the beginning of the
year.  The  following  summarizes  non-cash  pension
income for each year:

In thousands

Recorded as:
Costs of products sold
SG&A expense

Total

Year Ended
December 31

2004

2003

Change

$15,937
1,405

$15,007
2,142

$ 930
(737)

$17,342

$17,149

$ 193

The  following  summarizes  SG&A  expenses,
restructuring charges, gains from asset dispositions and
other nonrecurring items:

In thousands

SG&A expenses
Restructuring charges
Gains on dispositions of plant,
equipment and timberlands

Unusual items
Gains from insurance recoveries

Year Ended
December 31

2004

2003

Change

$ 59,939
20,375

$ 59,146
6,983

$

793
13,392

(58,509)
Ó
$(32,785)

(32,334)
11,501
Ó

(26,175)
(11,501)
$(32,785)

Selling,  General  and  Administrative  (""SG&A'')
SG&A expenses increased $0.8 million in the year-to-
year comparison. The increase was primarily due to a
$1.6  million  unfavorable  impact  of  foreign  currency
translation adjustments, higher legal and accounting and
professional fees, mostly related to insurance recoveries,
and  costs  associated  with  implementing  the  North
American  Restructuring  Program.  Lower  variable
compensation expenses and the impact of cost reduction
initiatives substantially offset these costs.

Restructuring Charges
We undertook two major
restructuring initiatives beginning in the fourth quarter

- 18 -

GLATFELTER

of 2003. The following table summarizes restructuring
charges incurred in connection with these initiatives:

In thousands

Restructuring initiative:
North American Restructuring Program
Neenah Restructuring
Recorded as:

Costs of products sold
Restructuring charge

Total Neenah

Total

Year Ended
December 31

2004

2003

$17,187

$

Ó

Ó
3,188

3,188

6,511
6,983

13,494

$20,375

$13,494

North  American  Restructuring  Program

The
North American Restructuring Program was designed to
improve  operating  results  by  enhancing  product  and
service  offerings  in  Specialty  Papers'  book  publishing
markets,  growing  revenue  from  uncoated  specialty
papers,  reducing  our  workforce  at  our  Spring  Grove
facility  by  approximately  20%,  and  implementing
improved supply chain management processes.

In 2004, we negotiated a new labor agreement that
enabled  us  to  reduce  workforce  levels  at  our  Spring
Grove, PA facility by approximately 20%. As part of the
new  labor  agreement,  we  offered  a  voluntary  early
retirement benefits package to eligible employees. The
acceptance of these special termination benefits resulted
in a charge of $16.5 million in 2004, substantially all of
which  was  for  enhanced  pension  benefits,  post-
retirement medical benefits and other related employee
severance costs.

We  also  recorded  restructuring  charges  totaling
$0.7 million, for severance and related pension and other
post  employment  benefits  (""OPEB'')  associated  with
the elimination of certain non-represented positions. The
following table sets forth activity in the North American
Restructuring Program restructuring reserve.

In thousands

Beginning balance

Amounts accrued

Payments made

To be paid:

From pension plan assets
As OPEB benefits

Ending balance

Year Ended
December 31,
2004

$

0

17,187

(644)

(11,255)
(5,228)

$

60

The  ending  balance  set  forth  above  represents  the
portion of the North American Restructuring Program
charges  that  is  expected  to  require  near  term  cash
payments  from  us  and  primarily  consists  of  severance
and  benefits  continuation.  Amounts  representing

enhanced pension benefits will be paid from our pension
plan  assets  and  are  recorded  as  a  reduction  to  the
carrying  value  of  our  prepaid  pension  assets.  The
amounts  for  OPEB  benefits  were  recorded  as  ""Other
long-term  liabilities''  in  the  Consolidated  Balance
Sheets.  We  will  pay  the  OPEB  benefits  as  they  are
incurred  over  the  course  of  the  affected  employees'
benefit period, which could range up to 8 years.

Neenah Restructuring

In September 2003, we
announced  the  decision  to  permanently  shut  down  a
paper making machine and the deinking process at our
Neenah,  WI  facility.  The  abandoned  machines  and
processes  had  been  primarily  supporting  our  book
publishing  products  of  the  Specialty  Papers  business
unit.  This  initiative  resulted  in  the  elimination  of
approximately  190  positions  and  was  completed  by
March  31,  2004.  The  results  of  operations  in  2003
include  related  pre-tax  charges  of  approximately
$13.5 million, of which $6.5 million are reflected in the
consolidated income statements as components of costs
of  products  sold,  and  $7.0  million  are  reflected  as
""restructuring charges.''

The results of operations in 2004 include $3.2 million
of  Neenah  related  restructuring  charges,  of  which
$3.0  million  represents  a  fee  paid  to  modify  a  steam
supply  contract  in  connection  with  the  restructuring
initiative at the Neenah facility. The remaining amount
represents adjustments to estimated benefit continuation
costs.

The  following  table  sets  forth  information  with

respect to Neenah restructuring charges:

In thousands

Contract modification fee

Depreciation on abandoned equipment

Severance and benefit continuation

Pension and other retirement benefits

Other

Total

Year Ended
December 31
2003

2004

$3,000

$

Ó

Ó

188

Ó

Ó

5,974

1,874

4,878

768

$3,188

$13,494

The  following  table  summarizes  activity  in  the

Neenah Restructuring reserve:

In thousands

Beginning balance

Amounts accrued

Payments made

Ending balance

Year Ended
December 31
2003
2004

$1,625

$

Ó

3,188

2,105

(4,065)

(480)

$ 748

$1,625

As  of  December  31,  2004,  the  amounts  accrued
related to the Neenah restructuring represent only those

- 19 -

GLATFELTER

charges that are expected to result in cash payments and
primarily  consist  of  severance  payments,  benefits
continuation  and  medical  retirement  benefits.  The
Neenah  restructuring charge  totaled  $16.7  million,  of
which  $6.5  million  was  non-cash  related,  and
$5.4 million is to be paid out of pension plan assets.

Gain on Sales of Plant, Equipment and Timberlands
During  2004  and  2003,  we  completed  sales  of
timberlands  and,  in  2004,  the  corporate  aircraft.  The
following table summarizes these transactions.

Dollars in thousands

Acres

Proceeds

Gain

2004

Timberlands

Corporate Aircraft

Other

Total

2003

Timberlands

Other

Total

4,482

$56,586

$55,355

n/a

n/a

2,861

724

2,554

600

$60,171

$58,509

25,500

$37,850

$31,234

n/a

2,892

1,100

$40,742

$32,334

All property sales completed in 2004 were sold for
cash. As consideration for the timberlands sold in 2003,
we  received  a  10-year  note  from  a  subsidiary  of  The
Conservation  Fund  in  the  principal  amount  of
$37.9 million (the ""Note''), which is included in ""Other
assets'' in the Consolidated Balance Sheet.

Unusual  Items

Unusual  items  during  2003
reflect a charge of $11.5 million related to our former
Ecusta  Division,  which  was  sold  in  2001.  Under  the
Ecusta  Division  acquisition  agreement,  we  are
indemnified  for  certain  liabilities  that  have  been
assumed  by  the  buyers.  We  had  previously  accrued
liabilities  related  to  certain  post-retirement  benefits,
workers compensation claims and vendor payables and
established  a  corresponding  receivable  due  from  the
buyers.  We  paid  the  portion  of  these  liabilities  that
became due and sought reimbursement from the buyers,
which, to date, they have refused.

For 

Interest  Expense

the  year  ended
December  31,  2004,  interest  expense  declined
$0.9 million to $13.4 million, largely due to lower debt
levels. Average outstanding debt declined $25.4 million
in the year-to-year comparison.

Income Taxes

Our provision for income taxes
from  continuing  operations  in  2004  and  2003,  totaled
$34.7  million  and  $7.4  million,  respectively,  and  the
effective  tax  rate  in  the  same  periods  was  38.2%  and
36.4%, respectively. The increase in the effective tax rate
was primarily due to the proportion of taxable income
attributable  to  timberland  sales  and  foreign  source

income,  both  of  which  are  taxed  at  higher  effective
rates.

Foreign  Currency

We  own  and  operate  paper
and pulp mills in Germany, France and the Philippines.
The local currency in Germany and France is the Euro,
while in the Philippines the currency is the Peso. These
operations generate approximately 34% of our sales and
33% of operating expenses. The translation of the results
from these international operations into U.S. dollars is
subject to changes in foreign currency exchange rates.

The table below summarizes the effect from foreign
currency  translation  on  reported  results  compared  to
2003:

Net sales

Costs of products sold

SG&A expenses

Income taxes and other

Net income

Year Ended
December 31, 2004
Favorable
(unfavorable)
$15,994

(12,322)

(1,629)

(305)

$1,738

The above table only presents the financial reporting
impact  of  foreign  currency  translations.  It  does  not
present the impact of certain competitive advantages or
disadvantages  of  operating  or  competing  in  multi-
currency  markets.  The  strengthening  of  the  Euro
relative to certain other currencies in 2004 compared to
2003, adversely affected the price competitiveness of our
Germany-based Long Fiber & Overlay Papers business
unit relative to certain competitors.

Discontinued Operations

In July 2003, we sold
our  Wisches,  France  subsidiary  for  approximately
$2.0  million  and 
the  buyer's  assumption  of
approximately $1.1 million of debt owed to us by our
subsidiary. At closing, we received $1.7 million with the
remaining amounts to be paid in two annual installments
beginning  in  July  2004.  All  such  amounts  have  since
been collected. The financial results of this subsidiary
are reported as discontinued operations for all periods
presented. Prior to the sale, the underlying assets were
recorded at the lower of carrying amount or fair value
less  cost  to  sell.  Accordingly,  loss  from  discontinued
operations  for  the  year  ended  December  31,  2003,
includes  a  charge  of  $0.5  million,  after  tax,  to  write-
down the carrying value of the assets prior to the sale.
Revenue  included  in  determining  results  from
discontinued  operations  totaled  $2.6  million  and
$3.5  million  for  2003  and  2002,  respectively.  The
financial  results  of  this  operation  were  previously
reported in the Specialty Papers business unit.

- 20 -

GLATFELTER

LIQUIDITY AND CAPITAL RESOURCES

The following table sets forth our outstanding long-

Our  business  is  capital  intensive  and  requires
significant expenditures for new or enhanced equipment,
for  environmental  compliance  matters  and  to  support
our  business  strategy  and  research  and  development
efforts.  The  following  table  summarizes  cash  flow
information for each of the years presented.

In thousands

Year Ended
December 31

2005

2004

Cash and cash equivalents at beginning of

period

$ 39,951

$ 15,566

Cash provided by (used for) Operating

activities

Investing activities

Financing activities

Effect of exchange rate changes on cash

Net cash provided

42,868

(8,029)

(15,158)

(2,190)

17,491

39,584

42,109

(59,753)

2,445

24,385

Cash and cash equivalents at end of

period

$ 57,442

$ 39,951

The change in cash generated from operations in the
comparison  was  primarily  due  to  a  $13.6  million
increase  in  insurance  recoveries,  net  of  amounts
escrowed to fund environmental remediation activities,
and  a  $4.8  million  increase  in  gross  profit.  These
amounts were offset by $14.2 million of higher income
tax payments, largely due to sales of timberland.

The  changes  in  investing  cash  flows  reflect  cash
proceeds from dispositions of property, equipment and
timberlands totaling $22.5 million in 2005 compared to
$60.2  million  in  2004.  Further,  capital  expenditures
totaled $31.0 million and $18.6 million in the year-to-
year  comparison.  We  currently  expect  capital
expenditures  in  the  full  year  2006  to  approximate
$30 million to $35 million.

During both 2005 and 2004, cash dividends paid on
common stock totaled $15.8 million, respectively. Our
Board  of  Directors  determines  what,  if  any,  dividends
will  be  paid  to  our  shareholders.  Dividend  payment
decisions  are  based  upon  then-existing  factors  and
conditions and, therefore, historical trends of dividend
payments  are  not  necessarily  indicative  of  future
payments.

term indebtedness:

In thousands

Year Ended
December 31

2005

2004

Revolving credit facility, due June 2006
67/8% Notes, due July 2007
Note payable Ì SunTrust, due March 2008
Other notes, various

$ 19,650
150,000
34,000
Ó

$ 23,277
150,000
34,000
446

Total long-term debt
Less current portion

203,650
(19,650)

207,723
(446)

Long-term debt, excluding current portion

$184,000

$207,277

The significant terms of the debt obligations are set
in  Item  8. Ì Financial  Statements  and

forth 
Supplementary Data, Note 16.

to 

respect 

We are subject to loss contingencies resulting from
regulation  by  various  federal,  state,  local  and  foreign
the
governmental  authorities  with 
environmental  impact  of  mills  we  operate,  or  have
operated.  To  comply  with  environmental  laws  and
regulations,  we  have  incurred  substantial  capital  and
operating expenditures in past years. We anticipate that
environmental regulation of our operations will continue
to  become  more  burdensome  and  that  capital  and
operating  expenditures  necessary  to  comply  with
environmental  regulations  will  continue,  and  perhaps
increase,  in  the  future.  In  addition,  we  may  incur
obligations to remove or mitigate any adverse effects on
the environment resulting from our operations, including
the  restoration  of  natural  resources  and  liability  for
personal injury and for damages to property and natural
resources.  See  Item  8 Ì Financial  Statements Ì
Note  19  for  a  summary  of  significant  environmental
matters.

 We expect to meet all of our near- and longer-term cash
needs from a combination of operating cash flow, cash
and cash equivalents, our existing credit facility or other
bank lines of credit and other long-term debt. However,
as  discussed  in  Item  8 Ì Financial  Statements  and
Supplementary  Data Ì Note  19,  an  unfavorable
outcome of various environmental matters could have a
material  adverse  impact  on  our  consolidated  financial
position, liquidity and/or results of operations.

As 

Off-Balance-Sheet  Arrangements

of
December 31, 2005 and 2004, we had not entered into
any  off-balance-sheet  arrangements.  A  financial
derivative  instrument  to  which  we  are  a  party  and
guarantees  of  indebtedness,  which  solely  consists  of
obligations  of  subsidiaries  and  a  partnership,  are
reflected  in  the  consolidated  balance  sheets  included
herein 
in  Item  8 Ì Financial  Statements  and
Supplementary Data.

- 21 -

GLATFELTER

Contractual Obligations

The following table sets forth contractual obligations as of December 31, 2005.

In thousands

Long-term debt(1)

Operating leases(2)

Purchase obligations(3)

Other long term obligations(4)

Total

Payments Due During the Year
Ended December 31,
2009 to
2007 to
2010
2008

2011 and
beyond

Total

2006

$227,711

$31,801

$195,910

$

Ó

$

Ó

15,521

125,440

79,077

2,191

30,342

23,713

3,124

25,363

13,566

1,418

20,327

11,998

8,788

49,408

29,800

$447,749

$88,047

$237,963

$33,743

$87,996

(1) Represents principal and interest payments due on long-term debt. We have $150 million of debt maturing in July 2007 and bearing a fixed rate of
interest at 67/8%, payable semiannually and a, $34 million note maturing in March 2008 and bearing a fixed rate of interest of 3.82%. In addition, at
December 31, 2005, $20 million, bearing a variable interest rate (4.41% as of December 31, 2005), was outstanding under our revolving credit
facility that matures in June 2006.

(2) Represents rental agreements for various land, buildings, and computer and office equipment.

(3) Represents open purchase order commitments and other obligations, primarily for steam and pulpwood contracts with minimum annual purchase
obligations. In certain situations, prices are subject to variations based on market prices. In such situations, the information above is based on prices
in effect at December 31, 2005 or expectations based on historical experience and/or current market conditions.

(4) Represents expected benefits to be paid pursuant to medical retirement plans and nonqualified pension plans over the next ten years and $16 million

related to cross currency swap maturing in June 2006.

Critical Accounting Policies and Estimates

The  preceding  discussion  and  analysis  of  our
consolidated financial position and results of operations
is  based  upon  our  consolidated  financial  statements,
which  have  been  prepared  in  accordance  with
accounting principles generally accepted in the United
States  of  America.  The  preparation  of 
these
consolidated  financial  statements  requires  us  to  make
estimates  and  assumptions  that  affect  the  reported
amounts of assets, liabilities, revenues and expenses, and
related  disclosures  of  contingent  assets  and  liabilities.
On  an  on-going  basis,  we  evaluate  our  estimates,
including those related to inventories, long-lived assets,
pension and post-retirement obligations, environmental
liabilities and income taxes. We base our estimates on
historical experience and on various other assumptions
that we believe are reasonable under the circumstances,
the  results  of  which  form  the  basis  for  making
judgments  about  the  carrying  values  of  assets  and
liabilities  that  are  not  readily  apparent  from  other
sources. Actual results may differ from these estimates.

We  believe  the  following  represent  the  most
significant  and  subjective  estimates  used  in  the
preparation of our consolidated financial statements.

Inventory  Reserves

We  maintain  reserves  for
excess and obsolete inventories to reflect our inventory
at  the  lower  of  its  stated  cost  or  market  value.  Our
estimate for excess and obsolete inventory is based upon
our  assumptions  about  future  demand  and  market
conditions. If actual market conditions are more or less
favorable than those we have projected, we may need to
increase or decrease our reserves for excess and obsolete

inventories,  which  could  affect  our  reported  results  of
operations.

We 

Assets

evaluate 

Long-lived 

the
recoverability  of  our  long-lived  assets,  including
property, equipment and intangible assets periodically or
whenever  events  or  changes  in  circumstances  indicate
that the carrying amounts may not be recoverable. Our
evaluations  include  analyses  based  on  the  cash  flows
generated  by  the  underlying  assets,  profitability
information,  including  estimated  future  operating
results, trends or other determinants of fair value. If the
value of an asset determined by these evaluations is less
than  its  carrying  amount,  a  loss  is  recognized  for  the
difference between the fair value and the carrying value
of  the  asset.  Future  adverse  changes  in  market
conditions  or  poor  operating  results  of  the  related
business may indicate an inability to recover the carrying
value  of  the  assets,  thereby  possibly  requiring  an
impairment charge in the future.

Pension  and  Other  Post-Retirement  Obligations
Accounting  for  defined-benefit  pension  plans,  and  any
curtailments  thereof,  requires  various  assumptions,
including,  but  not  limited  to,  discount  rates,  expected
rates  of  return  on  plan  assets  and  future  compensation
growth rates. Accounting for our retiree medical plans,
and  any  curtailments  thereof,  also  requires  various
assumptions,  which  include,  but  are  not  limited  to,
discount  rates  and  annual  rates  of  increase  in  the  per
capita  costs  of  health  care  benefits.  We  evaluate  these
assumptions  at  least  once  each  year  or  as  facts  and
circumstances  dictate  and  make  changes  as  conditions
warrant. Changes to these assumptions will increase or

- 22 -

GLATFELTER

decrease  our  reported  income,  which  will  result  in
changes to the recorded benefit plan assets and liabilities.

Environmental  Liabilities

We  maintain
accruals  for  losses  associated  with  environmental
obligations when it is probable that a liability has been
incurred  and  the  amount  of  the  liability  can  be
reasonably  estimated  based  on  existing  legislation  and
remediation  technologies.  These  accruals  are  adjusted
periodically  as  assessment  and  remediation  actions
continue and/or further legal or technical  information
develops. Such undiscounted liabilities are exclusive of
any  insurance  or  other  claims  against  third  parties.
Recoveries  of  environmental  remediation  costs  from
other parties, including insurance carriers, are recorded
as  assets  when  their  receipt  is  assured  beyond  a
reasonable doubt.

Income Taxes

We record the estimated future
tax  effects  of  temporary  differences  between  the  tax
bases of assets and liabilities and amounts reported in
our  balance  sheets,  as  well  as  operating  loss  and  tax
credit  carry  forwards.  These  deferred  tax  assets  and
liabilities are measured using enacted tax rates and laws

that will be in effect when such amounts are expected to
reverse or be utilized. We regularly review our deferred
tax assets for recoverability based on historical taxable
income, projected future taxable income, the expected
timing of the reversals of existing temporary differences
and tax planning strategies. If we are unable to generate
sufficient future taxable income, or if there is a material
change in the actual effective tax rates or time period
within  which  the  underlying  temporary  differences
become taxable or deductible, we could be required to
increase the valuation allowance against our deferred tax
assets, which may result in a substantial increase in our
effective tax rate and a material adverse impact on our
reported results.

Other significant accounting policies, not involving
the same level of uncertainties as those discussed above,
are  nevertheless  important  to  an  understanding  of  the
Consolidated Financial Statements. Refer to Item 8 Ì
Financial Statements and Supplementary Data Ì Notes
to  Consolidated  Financial  Statements  for  additional
accounting policies.

- 23 -

GLATFELTER

ITEM 7A.

QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISKS

Dollars in thousands

2006

2007

2008

2009

2010

Carrying Value

Fair Value

Year Ended December 31

At December 31, 2005

Long-term debt
Average principal outstanding

At fixed interest rates
At variable interest rates
Weighted-average interest rate
On fixed interest rate debt
On variable interest rate debt

Cross-currency swap

Pay variable Ì EURIBOR
Variable rate payable
Receive variable Ì US$
LIBOR

Variable rate receivable

$184,000
19,650

$115,250
9,825

$8,500
Ó

6.31%
4.41

5.97%
4.41

3.82%
Ó

4 34,993

3.24%

$ 33,562

5.16%

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

Ó
Ó

$184,000
19,650

$187,002
19,650

(16,371)

(16,371)

Our  market  risk  exposure  primarily  results  from
changes in interest rates and currency exchange rates.
At  December  31,  2005,  we  had  long-term  debt
outstanding of $203.7 million, of which $19.7 million or
9.7% was at variable interest rates.

The  table  above  presents  average  principal
outstanding and related interest rates for the next five
years  and  the  amount  of  a  cross-currency  swap
agreement.  Fair  values  included  herein  have  been
determined based upon rates currently available to us for
debt with similar terms and remaining maturities.

Variable-rate debt outstanding represents borrowings
under  our  revolving  credit  facility  that  incur  interest
based  on  the  domestic  prime  rate  or  a  Eurocurrency
rate,  at  our  option,  plus  a  margin.  At  December  31,
2005, the interest rate paid was 4.41%. A hypothetical
100 basis point increase or decrease in the interest rate
on variable rate debt would increase or decrease annual
interest expense by $0.4 million.

At  December  31,  2005,  we  had  a  cross-currency
swap agreement outstanding with a termination date of
June  24,  2006.  Under  this  transaction,  we  swapped
$70.0 million for approximately 473 million, pay interest
on  the  Euro  portion  of  the  swap  at  a  floating
Eurocurrency  Rate  (EURIBOR),  plus  applicable

margins and receive interest on the dollar portion of the
swap  at  a  floating  U.S.  dollar  LIBOR  rate,  plus
applicable margins. The cross-currency swap is designed
to provide protection from the impact that changes in
currency rates have on certain U.S. dollar-denominated
inter-company  obligations  recorded  at  our  S&H
subsidiary in Gernsbach, Germany.

The cross currency swap is recorded at fair value on
the  Consolidated  Balance  Sheet  under  the  caption
""Other long-term liabilities.'' Changes in fair value are
recognized in earnings as ""Other income (expense)'' in
the Consolidated Statements of Income. Changes in fair
value  of  the  cross-currency  swap  transaction  are
substantially  offset  by  changes  in  the  value  of
U.S.  dollar-denominated  inter-company  obligations
when  they  are  re-measured  in  Euros,  the  functional
currency of S&H (see Item 8 Ì Financial Statements
and Supplementary Data Ì Note 17).

We  are  subject  to  certain  risks  associated  with
changes in foreign currency exchange rates to the extent
our  operations  are  conducted  in  currencies  other  than
the U.S. Dollar. During the year ended December 31,
2005, approximately 71% of our net sales were shipped
from  the  United  States,  24%  from  Germany,  and  5%
from other international locations.

- 24 -

GLATFELTER

ITEM 8.

FINANCIAL STATEMENTS AND
SUPPLEMENTARY DATA 

Company's assets that could have a material effect on
our financial statements.

MANAGEMENT'S REPORT ON INTERNAL

CONTROL OVER FINANCIAL REPORTING

Management  of  P.  H.  Glatfelter  Company  (the
""Company'')  is  responsible  for  establishing  and
maintaining  adequate  internal  control  over  financial
reporting. The Company's internal control over financial
reporting is a process designed under the supervision of
the chief executive and chief financial officers to provide
reasonable  assurance  regarding  the  reliability  of
financial reporting and the preparation of the Company's
financial  statements  for  external  reporting  purposes  in
accordance  with  accounting  principles  generally
accepted in the United States.

As of December 31, 2005, management conducted
an  assessment  of  the  effectiveness  of  the  Company's
internal  control  over  financial  reporting  based  on  the
framework established in Internal Control Ì Integrated
Framework  issued  by  the  Committee  of  Sponsoring
Organizations of the Treadway Commission (COSO).
Based on this assessment, management has determined
that  the  Company's  internal  control  over  financial
reporting as of December 31, 2005 is effective to provide
reasonable  assurance  regarding  the  reliability  of
financial reporting and the preparation of the Company's
financial  statements  for  external  reporting  purposes  in
accordance  with  accounting  principles  generally
accepted in the United States.

Our internal control over financial reporting includes
policies and procedures that pertain to the maintenance
of records that, in reasonable detail, accurately and fairly
reflect  transactions  and  dispositions  of  assets;  provide
reasonable assurances that transactions are recorded as
necessary to permit preparation of financial statements
in  accordance  with  accounting  principles  generally
accepted  in  the  United  States,  and  that  receipts  and
expenditures  are  being  made  only  in  accordance  with
authorizations of management; and provide reasonable
assurance  regarding  prevention  or  timely  detection  of
unauthorized  acquisition,  use  or  disposition  of  the

Management's assessment of the effectiveness of the
Company's internal control over financial reporting as of
December  31,  2005,  has  been  audited  by  Deloitte  &
Touche  LLP,  an  independent  registered  public
accounting  firm,  as  stated  in  their  report  appearing
herein,  which  expresses  unqualified  opinions  on
management's  assessment  and  on  the  effectiveness  of
the Company's internal control over financial reporting
as of December 31, 2005.

The  Company's  management,  including  the  chief
executive  officer  and  chief  financial  officer,  does  not
expect that our internal control over financial reporting
will prevent or detect all errors and all frauds. A control
system, no matter how well designed and operated, can
provide only reasonable, not absolute, assurance that the
control system's objectives will be met. The design of a
control  system  must  reflect  the  fact  that  there  are
resource constraints, and the benefits of controls must
be considered relative to their costs. Further, because of
the  inherent  limitations  in  all  control  systems,  no
evaluation  of  controls  can  provide  absolute  assurance
that misstatements due to error or fraud will not occur or
that  all  control  issues  and  instances  of  fraud,  if  any,
within the Company have been detected. These inherent
limitations  include  the  realities  that  judgments  in
decision-making can be faulty and that breakdowns can
occur because of simple error or mistake. Controls can
also  be  circumvented  by  the  individual  acts  of  some
persons,  by  collusion  of  two  or  more  people,  or  by
management override of the controls. The design of any
system  of  controls  is  based,  in  part,  on  certain
assumptions about the likelihood of future events, and
there can be no assurance that any design will succeed in
achieving  its  stated  goals  under  all  potential  future
conditions.  Projections  of  any  evaluation  of  controls
effectiveness to future periods are subject to risks. Over
time,  controls  may  become  inadequate  because  of
changes in conditions or deterioration in the degree of
compliance with policies or procedures.

- 25 -

GLATFELTER

REPORT OF INDEPENDENT REGISTERED

PUBLIC ACCOUNTING FIRM

To the Board of Directors and Shareholders of

P. H. Glatfelter Company

We  have  audited  management's  assessment,
included in the accompanying Management's Report on
Internal Control Over Financial Reporting, that P. H.
Glatfelter Company and subsidiaries (the ""Company'')
maintained  effective  internal  control  over  financial
reporting  as  of  December  31,  2005,  based  on  criteria
established in Internal Control Ì Integrated Framework
issued by the Committee of Sponsoring Organizations of
the  Treadway  Commission.  The  Company's
management  is  responsible  for  maintaining  effective
internal  control  over  financial  reporting  and  for  its
assessment of the effectiveness of internal control over
financial  reporting.  Our  responsibility  is  to  express  an
opinion on management's assessment and an opinion on
the effectiveness of the Company's internal control over
financial reporting based on our audit.

We  conducted  our  audit  in  accordance  with  the
standards of the Public Company Accounting Oversight
Board (United States). Those standards require that we
plan  and  perform  the  audit  to  obtain  reasonable
assurance about whether effective internal control over
financial  reporting  was  maintained  in  all  material
respects. Our audit included obtaining an understanding
of  internal  control  over  financial  reporting,  evaluating
management's  assessment,  testing  and  evaluating  the
design  and  operating  effectiveness  of  internal  control,
and performing such other procedures as we considered
necessary  in  the  circumstances.  We  believe  that  our
audit provides a reasonable basis for our opinions.

A company's internal control over financial reporting
is a process designed by, or under the supervision of, the
company's  principal  executive  and  principal  financial
officers,  or  persons  performing  similar  functions,  and
effected  by  the  company's  board  of  directors,
management, and other personnel to provide reasonable
assurance regarding the reliability of financial reporting
and the preparation of financial statements for external
purposes  in  accordance  with  generally  accepted
accounting principles. A company's internal control over
financial  reporting  includes  those  policies  and
procedures  that  (1)  pertain  to  the  maintenance  of
records that, in reasonable detail, accurately and fairly
reflect the transactions and dispositions of the assets of

the  company;  (2)  provide  reasonable  assurance  that
transactions  are recorded  as  necessary  to  permit
preparation of financial statements in accordance with
generally  accepted  accounting  principles,  and  that
receipts  and  expenditures  of  the  company  are  being
made  only  in  accordance  with  authorizations  of
management  and  directors  of  the  company;  and
(3) provide reasonable assurance regarding prevention
or timely detection of unauthorized acquisition, use, or
disposition  of  the  company's  assets  that  could  have  a
material effect on the financial statements.

Because  of  the  inherent  limitations  of  internal
control over financial reporting, including the possibility
of  collusion  or  improper  management  override  of
controls, material misstatements due to error or fraud
may  not  be  prevented  or  detected  on  a  timely  basis.
Also, projections of any evaluation of the effectiveness
of the internal control over financial reporting to future
periods  are  subject  to  the  risk  that  the  controls  may
become inadequate because of changes in conditions, or
that  the  degree  of  compliance  with  the  policies  or
procedures may deteriorate.

In  our  opinion,  management's  assessment  that  the
Company  maintained  effective  internal  control  over
financial  reporting  as  of  December  31,  2005,  is  fairly
stated,  in  all  material  respects,  based  on  the  criteria
established in Internal Control Ì Integrated Framework
issued by the Committee of Sponsoring Organizations of
the  Treadway  Commission.  Also  in  our  opinion,  the
Company maintained, in all material respects, effective
internal  control  over  financial  reporting  as  of
December 31, 2005, based on the criteria established in
Internal Control Ì Integrated Framework issued by the
Committee  of  Sponsoring  Organizations  of  the
Treadway Commission.

We  have  also  audited,  in  accordance  with  the
standards of the Public Company Accounting Oversight
Board  (United  States),  the  consolidated  financial
statements and financial statement schedule as of and
for the year ended December 31, 2005, of the Company
and  our  report  dated  March  13,  2006,  expressed  an
unqualified  opinion  on  those  financial  statements  and
financial statement schedule.

Deloitte & Touche LLP

Philadelphia, Pennsylvania
March 13, 2006

- 26 -

GLATFELTER

REPORT OF INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM

To the Board of Directors and Shareholders of

P. H. Glatfelter Company

We  have  audited  the  accompanying  consolidated
balance  sheets  of  P.  H.  Glatfelter  Company  and
subsidiaries (the ""Company'') as of December 31, 2005
and  2004,  and  the  related  consolidated  statements  of
income, shareholders' equity, and cash flows for each of
the three years in the period ended December 31, 2005.
Our  audits  also  included  the  financial  statement
schedule listed in the Index at Item 15. These financial
statements  and  financial  statement  schedule  are  the
responsibility  of  the  Company's  management.  Our
responsibility is to express an opinion on the financial
statements  and  financial  statement  schedule  based  on
our audits.

We  conducted  our  audits  in  accordance  with  the
standards of the Public Company Accounting Oversight
Board (United States). Those standards require that we
plan  and  perform  the  audit  to  obtain  reasonable
assurance  about  whether  the  financial  statements  are
free  of  material  misstatement.  An  audit  includes
examining,  on  a  test  basis,  evidence  supporting  the
amounts and disclosures in the financial statements. An
audit  also  includes  assessing  the  accounting  principles
used and significant estimates made by management, as
well  as  evaluating  the  overall  financial  statement
presentation.  We  believe  that  our  audits  provide  a
reasonable basis for our opinion.

In  our  opinion,  such  consolidated  financial
statements  present  fairly,  in  all  material  respects,  the
financial  position  of  P.  H.  Glatfelter  Company  and
subsidiaries as of December 31, 2005 and 2004, and the
results of their operations and their cash flows for each
of  the  three  years  in  the  period  ended  December  31,
2005, in conformity with accounting principles generally
accepted in the United States of America. Also, in our
opinion,  the  financial  statement  schedule,  when
considered in relation to the basic consolidated financial
statements  taken  as  a  whole,  presents  fairly,  in  all
material respects, the information set forth therein.

We  have  also  audited,  in  accordance  with  the
standards of the Public Company Accounting Oversight
Board  (United  States),  the  effectiveness  of  the
Company's internal control over financial reporting as of
December 31, 2005, based on the criteria established in
Internal Control Ì Integrated Framework issued by the
Committee  of  Sponsoring  Organizations  of  the
Treadway Commission and our report dated March 13,
2006, 
an  unqualified  opinion  on
management's  assessment  of  the  effectiveness  of  the
Company's internal control over financial reporting and
an  unqualified  opinion  on  the  effectiveness  of  the
Company's internal control over financial reporting.

expressed 

Deloitte & Touche LLP

Philadelphia, Pennsylvania
March 13, 2006

- 27 -

GLATFELTER

P. H. GLATFELTER COMPANY and SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME

In thousands, except per share amounts

Net sales
Energy sales Ì net

Total revenues
Costs of products sold

Gross profit

Selling, general and administrative expenses
Restructuring charges
Unusual items
Gains on disposition of plant, equipment and timberlands, net
Insurance recoveries

Total

Operating income
Other nonoperating income (expense)

Interest expense
Interest income
Other Ì net

2005

Year Ended December 31
2004

2003

$579,121
10,078

$543,524
9,953

589,199
492,023

97,176
67,633
1,564
Ó
(22,053)
(20,151)

26,993

70,183

(13,083)
2,012
1,028

553,477
461,063

92,414
59,939
20,375
Ó
(58,509)
(32,785)

(10,980)

103,394

(13,385)
2,012
(1,258)

$533,193
10,040

543,233
463,687

79,546
59,146
6,983
11,501
(32,334)
Ó

45,296

34,250

(14,269)
1,820
(1,385)

Total other nonoperating expense

(10,043)

(12,631)

(13,834)

Income from continuing operations before income taxes
Income tax provision

Income from continuing operations

Discontinued operations

Loss from discontinued operations
Income tax benefit

Loss from discontinued operations

60,140
21,531

38,609

Ó
Ó

Ó

90,763
34,661

56,102

Ó
Ó

Ó

20,416
7,430

12,986

(513)
(188)

(325)

Net income

$ 38,609

$ 56,102

$ 12,661

Basic earnings per share

Income from continuing operations
Loss from discontinued operations

Net income

Diluted earnings per share

Income from continuing operations
Loss from discontinued operations

Net income

$

$

$

$

0.88
Ó

0.88

0.87
Ó

0.87

$

$

$

$

1.28
Ó

1.28

1.27
Ó

1.27

$

$

$

$

0.30
(0.01)

0.29

0.30
(0.01)

0.29

The accompanying notes are an integral part of the consolidated financial statements.

- 28 -

GLATFELTER

P. H. GLATFELTER COMPANY and SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

Dollars in thousands, except par values

Assets

Current assets
Cash and cash equivalents
Accounts receivable (less allowance for doubtful accounts: 2005 Ì $931; 2004 Ì

$2,364)
Inventories
Prepaid expenses and other current assets

Total current assets

Plant, equipment and timberlands Ì net

Other assets

Total assets

Liabilities and Shareholders' Equity

Current liabilities
Current portion of long-term debt
Short-term debt
Accounts payable
Dividends payable
Environmental liabilities
Other current liabilities

Total current liabilities

Long-term debt
Deferred income taxes
Other long-term liabilities

Total liabilities

Commitments and contingencies

Shareholders' equity
Common stock, $.01 par value; authorized Ì 120,000,000 shares; issued Ì

54,361,980 shares (including shares in treasury: 2005 Ó10,229,734 Ì 2004 Ì
10,412,222)

Capital in excess of par value
Retained earnings
Deferred compensation
Accumulated other comprehensive income (loss)

Less cost of common stock in treasury

Total shareholders' equity

Total liabilities and shareholders' equity

December 31

2005

2004

$

57,442

$

39,951

62,524
81,248
22,343

223,557

478,828

342,592

60,900
78,836
18,765

198,452

520,412

333,406

$1,044,977

$1,052,270

$

19,650
3,423
31,132
3,972
7,575
74,126

139,878
184,000
206,269
82,518

612,665

Ó

$

446
3,503
30,174
3,955
7,715
58,214

104,007
207,277
212,074
108,542

631,900

Ó

544
43,450
547,810
(2,295)
(5,343)

584,166
(151,854)

544
41,828
525,056
(1,275)
8,768

574,921
(154,551)

432,312

420,370

$1,044,977

$1,052,270

The accompanying notes are an integral part of the consolidated financial statements.

- 29 -

GLATFELTER

P.H. GLATFELTER COMPANY and SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS

In thousands

Operating activities
Net income
Loss from discontinued operations

Income from continuing operations

Adjustments to reconcile to net cash provided by continuing operations:

Depreciation, depletion and amortization
Pension income
Restructuring charges and unusual items
Deferred income tax provision
Gains on dispositions of plant, equipment and timberlands, net
Other

Change in operating assets and liabilities

Accounts receivable
Inventories
Other assets and prepaid expenses
Liabilities

Net cash provided by continuing operations
Net cash used by discontinued operations

Net cash provided by operating activities

Investing activities
Purchase of plant, equipment and timberlands
Proceeds from disposal of plant, equipment and timberlands
Proceeds from sale of subsidiary, net of cash divested

Net cash (used) provided by investing activities of continuing operations
Net cash used by investing activities of discontinued operations

Net cash (used) provided by investing activities

Financing activities
Net repayments from revolving credit facility
Proceeds from borrowing from SunTrust Financial
Payment of dividends
Proceeds from stock options exercised

Net cash used by financing activities
Effect of exchange rate changes on cash

Net increase (decrease) in cash and cash equivalents

Cash and cash equivalents at the beginning of period

2005

Year Ended December 31
2004

2003

$ 38,609
Ó

38,609

$ 56,102
Ó

56,102

$ 12,661
(325)

12,986

50,647
(16,517)
1,564
3,020
(22,053)
630

(5,876)
(6,195)
3,995
(4,956)

42,868
Ó

42,868

(31,024)
22,450
545

(8,029)
Ó

(8,029)

(733)
Ó
(15,839)
1,414

(15,158)
(2,190)

17,491
39,951

51,598
(17,342)
16,483
17,364
(58,509)
655

470
(4,276)
(12,721)
(10,240)

39,584
Ó

39,584

(18,587)
60,171
525

42,109
Ó

42,109

(44,888)
Ó
(15,782)
917

(59,753)
2,445

24,385
15,566

56,029
(17,149)
17,640
7,779
(32,334)
745

4,399
3,060
(359)
(5,800)

46,996
(244)

46,752

(66,758)
2,892
1,499

(62,367)
(60)

(62,427)

(10,124)
34,000
(26,879)
541

(2,462)
1,484

(16,653)
32,219

Cash and cash equivalents at the end of period

$ 57,442

$ 39,951

$ 15,566

Supplemental cash flow information
Cash paid (received) for

Interest expense
Income taxes

$ 12,378
17,443

$ 11,713
3,256

$ 13,767
(1,575)

The accompanying notes are an integral part of the consolidated financial statements.

- 30 -

GLATFELTER

P. H. GLATFELTER COMPANY and SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
For the Years Ended December 31, 2005, 2004 and 2003

In thousands, except shares outstanding

Balance at January 1, 2003
Comprehensive income

Net income
Other comprehensive income
Foreign currency translation adjustments

Other comprehensive income

Comprehensive income

Tax effect on employee stock options exercised
Cash dividends declared
Delivery of treasury shares

Performance shares
401(k) plans
Director compensation
Employee stock options exercised Ì net

Common
Stock

Capital in
Excess of
Par Value

Retained
Earnings

Deferred
Compen-
sation

Accumulated
Other
Compre-
hensive
Income
(Loss)

Treasury
Stock

Total
Shareholders'
Equity

544

$40,798

$495,278

$ (3,708)

$(159,079)

373,833

12,661

(23,183)

13

(13)
(207)
(21)
(101)

6,398

6,398

12,661

6,398

19,059
13
(23,183)

111
981
76
541

124
1,188
97
642

Balance at December 31, 2003

544

40,469

484,756

Ó

2,690

(157,028)

371,431

Comprehensive income

Net income
Other comprehensive income
Foreign currency translation adjustments

Other comprehensive income

Comprehensive income

Tax effect on employee stock options exercised
Cash dividends declared
Issuance of restricted stock units, net
Delivery of treasury shares
Restricted stock awards
401(k) plans
Director compensation
Employee stock options exercised Ì net

56,102

6,078

6,078

(15,802)

(1,275)

38

1,725

(57)
(170)
(12)
(165)

56,102

6,078

38
(15,802)
450

218
845
93
917

62,180

275
1,015
105
1,082

Balance at December 31, 2004

$544

$41,828

$525,056

$(1,275)

$

8,768

$(154,551)

$420,370

Comprehensive income

Net income
Other comprehensive income

Foreign currency translation adjustments
Additional minimum pension liability, net of

tax benefits of $2,831

Other comprehensive income

Comprehensive income

Tax effect on employee stock options exercised
Cash dividends declared
Issuance of restricted stock units, net
Delivery of treasury shares

401(k) plans
Director compensation
Employee stock options exercised Ì net

38,609

38,609

(9,619)

(4,492)

(14,111)

(14,111)

24,498
76

(15,855)

874

833
102
1,414

917
123
1,657

(15,855)

(1,020)

76

1,894

(84)
(21)
(243)

Balance at December 31, 2005

$544

$43,450

$547,810

$(2,295)

$ (5,343)

$(151,854)

$432,312

The accompanying notes are an integral part of the consolidated financial statements.

- 31 -

GLATFELTER

P. H. GLATFELTER COMPANY
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

1. ORGANIZATION

P. H.  Glatfelter  Company  and 

subsidiaries
(""Glatfelter'') is a manufacturer of specialty papers and
engineered  products.  Headquartered 
in  York,
Pennsylvania, our manufacturing facilities are located in
Spring  Grove,  Pennsylvania;  Neenah,  Wisconsin;
Gernsbach,  Germany;  Sca er,  France  and 
the
Philippines. Our products are marketed throughout the
United  States  and  in  over  80  other  countries,  either
through wholesale paper merchants, brokers and agents
or directly to customers.

2. ACCOUNTING POLICIES

Principles  of  Consolidation

The  consolidated
financial statements include the accounts of Glatfelter
and  its  wholly  owned  subsidiaries.  All  intercompany
balances and transactions have been eliminated.

Accounting  Estimates

The  preparation  of
financial  statements  in  conformity  with  accounting
principles  generally  accepted  in  the  United  States  of
America requires management to make estimates and
assumptions that affect the reported amounts of assets
and liabilities and disclosures of contingencies as of the
balance sheet date and the reported amounts of revenues
and expenses during the reporting period. Management
believes  the  estimates  and  assumptions  used  in  the
preparation  of  these  consolidated  financial  statements
are reasonable, based upon currently available facts and
known circumstances, but recognizes that actual results
may differ from those estimates and assumptions.

Cash  and  Cash  Equivalents

We  classify  all
highly  liquid  instruments  with  an  original  maturity  of
three  months  or  less  at  the  time  of  purchase  as  cash
equivalents.

Inventories

Inventories are stated at the lower
of  cost  or  market.  Raw  materials  and  in-process  and
finished  inventories  of  our  domestic  manufacturing
operations  are  valued  using  the  last-in,  first-out
(LIFO) method, and the supplies inventories are valued
principally using the average-cost method. Inventories at
our foreign operations are valued using a method that
approximates average cost.

Plant,  Equipment  and  Timberlands

For
financial  reporting  purposes,  depreciation  is  computed
using the straight-line method over the estimated useful
lives of the respective assets. For income taxes purposes,
depreciation  is  primarily  calculated  using  accelerated
lives  established  by  statute  or
methods  over 

U.S.  Treasury  Department  procedures.  Provision  is
made  for  deferred  income  taxes  applicable  to  this
difference.

The range of estimated service lives used to calculate
financial  reporting  depreciation  for  principal  items  of
plant and equipment are as follows:

Buildings
Machinery and equipment
Other

10 Ì 45 Years
7 Ì 35 Years
4 Ì 40 Years

All timber costs related to the reforestation process,
including, taxes, site preparation, planting, fertilization,
herbicide application and thinning, are capitalized. After
20  years,  the  timber  is  considered  merchantable  and
depletion is computed on a unit rate of usage by growing
area  based  on  estimated  quantities  of  recoverable
material.  For  purchases  of  land  tracts  with  existing
timber,  inventoried  merchantable  timber  is  subject  to
immediate depletion based upon usage. Costs related to
the purchase of pre-merchantable timber are transferred
to  merchantable  timber  over  a  10-year  period,
whereupon it is eligible for depletion.

Estimated timber volume is based upon its current
stage  in  the  growth  cycle.  Growth  and  yield  data  is
developed through the use of published growth and yield
studies  as  well  as  our  own  historical  experience.  This
data is used to calculate volumes for established timber
stands. Timber is depleted on an actual usage basis. For
purchased timber tracts, a systematic timber inventory is
completed  and  volume  is  estimated  for  merchantable
timber. Pre-merchantable timber of purchased tracts is
estimated  based  upon  its  current  stage  in  the  growth
cycle using growth and yield data.

Maintenance and repairs are charged to income and
major renewals and betterments are capitalized. At the
time property is retired or sold, the net carrying value is
eliminated and any resultant gain or loss is included in
income.

Investment  Securities

Investments  in  debt
securities are classified as held-to-maturity and recorded
at  amortized  cost  in  the  consolidated  balance  sheets
when we have the positive intent and ability to hold until
maturity. At December 31, 2005 and 2004, investments
in debt securities classified as held-to-maturity totaled
$9.0  million  and  $9.3  million,  respectively.  The  non-
current  portion  is  included  in  ""Other  assets''  on  the
consolidated balance sheets.

- 32 -

GLATFELTER

Valuation  of  Long-lived  Assets

We  evaluate
long-lived assets for impairment when a specific event
indicates that the carrying value of an asset may not be
recoverable.  Recoverability  is  assessed  based  on
estimates of future cash flows expected to result from
the use and eventual disposition of the asset. If the sum
of  expected  undiscounted  cash  flows  is  less  than  the
carrying  value  of  the  asset,  an  impairment  loss  is
recognized. An impairment loss, if any, is recognized for
the  amount  by  which  the  carrying  value  of  the  asset
exceeds its fair value.

Asset Retirement Obligations Ì In accordance with
Financial  Accounting  Standards  Board  Interpretation
No.  47, Accounting for Conditional Asset  Retirement
Obligations,  an  interpretation  of  FASB  Statement
No. 143 (""FIN No. 47''), we accrue asset retirement
obligations,  if  any,  in  the  period  in  which  obligations
relating to future asset retirements are incurred. Under
these standards, costs are to be accrued at estimated fair
value, and a related long-lived asset is capitalized. Over
time, the liability is accreted to its settlement value and
the capitalized cost is depreciated over the useful life of
the related asset for which the obligation exists. Upon
settlement of the liability, we recognize a gain or loss for
any difference between the settlement amount and the
liability  recorded.  Asset  retirement  obligations  with
indeterminate  settlement  dates  are  not  recorded  until
such  dates  can  be 
reasonably  estimated.  At
December  31,  2005,  we  do  not  have  any  obligations
required to be accrued under FIN No. 47.

Income  Taxes

Income  taxes  are  determined
using  asset and the liability method of  accounting  for
income taxes in accordance with Statement of Financial
Accounting  Standard  No.  109  (""SFAS  No.  109'').
Under  SFAS  No.  109,  tax  expense  includes  US  and
international  income  taxes  plus  the  provision  for  US
taxes  on  undistributed  earnings  of  international
subsidiaries not deemed to be permanently invested. Tax
credits and other incentives reduce tax expense in the
year the credits are claimed. Certain items of income
and expense are not reported in tax returns and financial
statements  in  the  same  year.  The  tax  effect  of  such
temporary  differences  is  reported  in  deferred  income
taxes. Deferred tax assets are recognized if it is more
likely than not that the assets will be realized in future
years. The Company establishes a valuation allowance
for deferred tax assets for which realization is not likely.

The Company accounts for income tax contingencies
in  accordance  with  SFAS  No.  5,  ""Accounting  for
Contingencies.''

Treasury  Stock

Common  stock  purchased  for
treasury is recorded at cost. At the date of subsequent

reissue, the treasury stock account is reduced by the cost
of such stock on the weighted-average cost basis.

Foreign Currency Translation

Our subsidiaries
outside the United States use their local currency as the
functional currency. Accordingly, translation gains and
losses  and  the  effect  of  exchange  rate  changes  on
transactions  designated  as  hedges  of  net  foreign
investments  are  included  as  a  component  of  other
comprehensive  income  (loss).  Transaction  gains  and
losses are included in income in the period in which they
occur.

Revenue Recognition

We recognize revenue on
product sales when the customer takes title and assumes
the risks and rewards of ownership. We record revenue
net of an allowance for customer returns.

Revenue  from  energy  sales  is  recognized  when
electricity  is  delivered  to  the  customer.  Certain  costs
associated  with  the  production  of  electricity,  such  as
fuel,  labor,  depreciation  and  maintenance  are  netted
against energy sales for presentation on the Consolidated
Statements of Income. Costs netted against energy sales
totaled $7.3 million, $8.3 million and $7.7 million for the
years  ended  December  31,  2005,  2004  and  2003,
respectively.  Our  current  contract  to  sell  electricity
generated in excess of our own use expires in the year
2010 and requires that the customer purchase all of our
excess electricity up to a certain level. The price for the
electricity  is  determined  pursuant  to  a  formula  and
varies  depending  upon  the  amount  sold  in  any  given
year.

to 

related 

legislation  and 

Environmental  Liabilities

Accruals  for  losses
associated with environmental obligations are recorded
when it is probable that a liability has been incurred and
the amount of the liability can be reasonably estimated
remediation
based  on  existing 
technologies.  Costs 
environmental
remediation are charged to expense. These accruals are
adjusted  periodically  as  assessment  and  remediation
actions  continue  and/or  further  legal  or  technical
information develops. Such undiscounted liabilities are
exclusive of any insurance or other claims against third
parties. Environmental costs are capitalized if the costs
extend the life of the asset, increase its capacity and/or
mitigate  or  prevent  contamination  from  future
operations.  Recoveries  of  environmental  remediation
costs from other parties, including insurance carriers, are
recorded as assets when their receipt is assured beyond a
reasonable doubt.

Stock-based  Compensation

We  account  for
stock-based  compensation  in  accordance  with  APB
Opinion  No.  25,  ""Accounting  for  Stock  Issued  to
Employees,'' and related interpretations, as permitted by

- 33 -

GLATFELTER

SFAS  No.  123,  ""Accounting  for  Stock-Based
Compensation.''  Compensation  expense  for  restricted
stock performance awards is recognized ratably over the
performance period based on changes in quoted market
prices of Glatfelter stock and the likelihood of achieving
the  performance  goals.  This  variable  plan  accounting
recognition  is  due  to  the  uncertainty  of  achieving
performance goals and estimating the number of shares
ultimately  to  be  issued.  Compensation  expense  for
awards of nonvested Restricted Stock Units (""RSUs'')
is recognized over their graded vesting period based on
the grant-date value. The grant-date value is determined
based  on  the  grant-date  closing  price  of  Glatfelter
common stock. The exercise price of all employee stock
options is at least equal to their grant-date market value.
Accordingly, no compensation expense is recorded for
stock options granted to employees.

Pro  Forma  Information

No  compensation
expense  has  been  recognized  for  the  issuance  of  non-
qualified stock options. No stock options were granted in
2005.  The  weighted-average  grant-date  fair  value  of
options granted during 2004 and 2003, was $3.31 and
$2.48, respectively.

The fair value of each option on the date of grant
was  estimated  using  the  Black-Scholes  option-pricing
following  weighted-average
model  using 
assumptions:

the 

Risk-free interest rate

Expected dividend yield

Expected volatility

Expected life

2004

2003

4.50%

3.47%

3.17

35.0

5.74

38.9

6.5 yrs

6.5 yrs

The following table sets forth pro forma information
as  if  compensation  expense  for  all  stock-based
compensation had been determined consistent with the
fair value method of SFAS No. 123.

In thousands, except per share

Net income as reported
Add: stock-based compensation
expense included in reported
net income, net of tax

Less: stock-based compensation
expense determined under fair
value based method for all
awards, net of tax

Pro forma

Basic earnings per share

Reported
Pro forma

Diluted earnings per share

Reported
Pro forma

Year Ended December 31
2004

2005

2003

$38,609

$56,102

$12,661

757

16

346

(786)

(339)

(1,808)

$38,580

$55,779

$11,199

$

0.88
0.88

0.87
0.87

$

1.28
1.27

1.27
1.27

$

0.29
0.26

0.29
0.26

Earnings  Per  Share

Basic  earnings  per  share
are computed by dividing net income by the weighted-
average  common  shares  outstanding  during  the
respective  periods.  Diluted  earnings  per  share  are
computed  by  dividing  net  income  by  the  weighted-
average common shares and common share equivalents
outstanding  during  the  period.  The  dilutive  effect  of
common share equivalents is considered in the diluted
earnings per share computation using the treasury stock
method.

Fair  Value  of  Financial  Instruments

The
amounts reported on the Consolidated Balance Sheets
for cash and cash equivalents, accounts receivable, other
assets,  and  short-term  debt  approximate  fair  value.
Financial  derivatives  are  recorded  at  fair  value.  The
following table sets forth carrying value and fair value of
long-term debt:

2005

2004

Carrying
Value

Fair
Value

Carrying
Value

Fair
Value

Long-term debt

$203,650

$206,652

$207,723

$215,402

3. RECENT PRONOUNCEMENTS

In  December  2004,  SFAS  No.  123(R),  ""Share-
Based  Payment''  was  issued.  This  standard  requires
employee  stock  options  and  other  stock-based
compensation awards to be accounted for under the fair
value method, and eliminates the ability to account for
these  instruments  under  the  intrinsic  value  method
prescribed by APB Opinion No. 25, and allowed under
the  original  provisions  of  SFAS  No.  123.
SFAS  No.  123(R)  is  required  to  be  adopted  by  the
company, beginning January 1, 2006. The adoption of
this  standard  will  not  have  a  material  impact  on  our
results of operations or financial position.

In  November  2004,  SFAS  No.  151,  ""Inventory
Costs-an  amendment  to  ARB  No.  43,  Chapter  4,''
(""SFAS No. 151'') was issued. This standard, which is
effective for fiscal years beginning after June 15, 2005,
clarifies  the  accounting  for  abnormal  amounts  of  idle
facility  expense,  freight,  handling  costs,  and  wasted
material (spoilage). We do not expect SFAS No. 151
will have a material impact on our results of operations
or financial position.

4. DISCONTINUED OPERATIONS

In July 2003, we sold our Wisches, France subsidiary
for  approximately  $2.0  million  and  the  assumption  of
approximately $1.1 million of debt owed to us by our
subsidiary. At closing, we received $1.7 million and the
remaining  amounts  were  paid 
two  annual
installments, in July 2005 and 2004. This subsidiary is

in 

- 34 -

GLATFELTER

reported  as  discontinued  operations  for  all  periods
presented. Prior to the sale, the underlying assets were
recorded at the lower of carrying amount or fair value
less  cost  to  sell.  Accordingly,  loss  from  discontinued
operations  for  the  year  ended  December  31,  2003,
includes  a  charge  of  $0.5  million,  after  tax,  to  write-
down the carrying value of the assets prior to the sale.
Revenue  included  in  determining  results  from
discontinued  operations  totaled  $2.6  million  for  2003.
This operation was previously reported in the Specialty
Papers business unit.

5. RESTRUCTURING CHARGES

European Restructuring and Optimization Program
(""EURO Program'')
During the fourth quarter of
2005,  we  began  to  implement  this  restructuring
program, a comprehensive series of initiatives designed
to  improve  the  performance  of  our  Long  Fiber  &
Overlay Papers business unit. In the fourth quarter of
2005,  we  recorded  restructuring  charges  totaling
$1.6  million  associated  with  the  related  work  force
efficiency  plans  at  the  Gernsbach,  Germany  facility.
This  change  reflects  severance,  early  retirement  and
related costs for the 55 affected employees. We expect
to  incur  cash  out  lays  in  this  amount  over  the  next
24 month period.

North  American  Restructuring  Program

The
North  American  Restructuring  Program,  which  was
initiated in the second quarter of 2004, was designed to
improve  operating  results  by  enhancing  product  and
service  offerings  in  Specialty  Papers'  book  publishing
markets,  growing  revenue  from  uncoated  specialty
papers,  reducing  our  workforce  at  our  Spring  Grove
facility  by  approximately  20%,  and  implementing
improved  supply  chain  management  processes.  In
conjunction  with  this  initiative,  we  negotiated  a  new
labor  agreement  that  enables  us  to  achieve  targeted
workforce  reduction  levels  at  our  Spring  Grove,  PA
facility. As part of the new labor agreement, we offered
a voluntary early retirement benefits package to eligible
employees. These special termination benefits resulted
in a charge of $16.5 million in 2004, substantially all of
which  was  for  enhanced  pension  benefits,  post-
retirement medical benefits and other related employee
severance costs. In addition, we recorded restructuring
charges totaling $0.7 million, for severance and related
pension and other post employment benefits (""OPEB'')
associated  with  the  elimination  of  certain  non-
represented  positions.  The  following  table  sets  forth
activity in the North American Restructuring Program
restructuring reserve.

In thousands

Beginning balance

Amounts accrued

Payments made

To be paid:

From pension plan assets

As OPEB benefits

Year Ended
December 31
2004

2005

$ 60

$

Ó

(60)

17,187

(644)

(11,255)

(5,228)

Ending balance

$

Ó

$

60

Amounts  representing  enhanced  pension  benefits
will  be  paid  from  our  pension  plan  assets  and  are
recorded  as  a  reduction  to  the  carrying  value  of  our
prepaid pension assets. The amounts for OPEB benefits
were  recorded  as  ""Other  long-term  liabilities''  in  the
accompanying condensed Consolidated Balance Sheets.
We will pay the OPEB benefits as they are incurred over
the  course  of  the  affected  employees'  benefit  period,
which could range up to 8 years.

Neenah Restructuring

In September 2003, we
announced  the  decision  to  permanently  shut  down  a
paper making machine and the deinking process at our
Neenah,  WI  facility.  This  initiative  resulted  in  the
elimination  of  approximately  190  positions  and  the
modification of a long-term steam supply contract. The
machines and processes abandoned had supported our
Specialty  Papers  business  unit.  The  results  for  2003
include  related  pre-tax  charges  of  $13.5  million,  of
which  $6.5  million  are  reflected  in  the  consolidated
income  statement  as  components  of  cost  of  products
sold,  and  $7.0  million  are  reflected  as  ""restructuring
charges.''  The  results  of  operations  in  2004  include
$3.2 million of Neenah related restructuring charges, of
which  $3.0  million  represents  a  fee  paid  to  modify  a
steam  supply  contract  at  the  Neenah  facility  in
connection  with  the  restructuring  initiative.  The
remaining amount represents adjustments to estimated
benefit  continuation  costs.  There  were  no  charges  in
2005 related to Neenah Restructuring.

The  following  table  sets  forth  information  with

respect to Neenah restructuring charges:

In thousands

Year Ended
December 31

2004

2003

Contract modification fee

$3,000

$

Ó

Depreciation on abandoned equipment

Severance and benefit continuation

Pension and other retirement benefits

Other

Total

Ó

188

Ó

Ó

5,974

1,874

4,878

768

$3,188

$13,494

As  of  December  31,  2005  and  2004,  the  Neenah
totaled  $0.5  million  and

reserve 

restructuring 

- 35 -

GLATFELTER

$0.7  million,  respectively.  All  such  amounts  primarily
relate to accrued workers' compensation costs.

6. UNUSUAL ITEMS

Unusual  items  in  2003  reflect  an  $11.5  million
charge  relating  to  our  former  Ecusta  Division,  which
was sold in 2001. Under the Ecusta Division acquisition
agreement, we are indemnified for certain liabilities that
have been assumed by the buyers. We had previously
accrued  liabilities  related  to  certain  post-retirement
benefits,  workers  compensation  claims  and  vendor
payables and established a corresponding receivable due
from the buyers. We paid the portion of these liabilities
that  became  due  and  sought  reimbursement  from  the
buyers, which, to date, they have refused.

7. GAIN ON DISPOSITIONS OF PLANT,
EQUIPMENT AND TIMBERLANDS

During 2005, 2004 and 2003, we completed sales of
timberlands  and,  in  2004,  the  corporate  aircraft.  The
following table summarizes these transactions.

Dollars in thousands

Acres

Proceeds

Gain/(loss)

2005
Timberlands
Other

Total

2004
Timberlands
Corporate Aircraft
Other

Total

2003
Timberlands
Other

Total

2,488
n/a

4,482
n/a
n/a

25,500
n/a

$21,000
1,778

$22,778

$56,586
2,861
724

$60,171

$37,850
2,892

$40,742

$20,327
1,726

$22,053

$55,355
2,554
600

$58,509

$31,234
1,100

$32,334

All property sales completed in 2005 and 2004 were
sold for cash. As consideration for the timberlands sold
in 2003, we received a 10-year note from a subsidiary of
The  Conservation  Fund  in  the  principal  amount  of
$37.9 million (the ""Note''), which is included in ""Other
assets'' in the Condensed Consolidated Balance Sheet.

8. EARNINGS PER SHARE

The following table sets forth the details of basic and

diluted earnings per share (EPS):

In thousands, except per share

2005

2004

2003

Income from continuing operations

$38,609

$56,102

$12,986

Loss from discontinued operations

Ó

Ó

(325)

Net income

$38,609

$56,102

$12,661

Weighted average common shares
outstanding used in basic EPS

Common shares issuable upon

exercise of dilutive stock options,
restricted stock awards and
performance awards

Weighted average common shares
outstanding and common share
equivalents used in diluted EPS

Basic EPS

44,013

43,856

43,731

330

167

29

44,343

44,023

43,760

Income from continuing operations

$

0.88

$

1.28

$

0.30

Loss from discontinued operations

Ó

Ó

(0.01)

Net income

Diluted EPS

$

0.88

$

1.28

$

0.29

Income from continuing operations

$

0.87

$

1.27

$

0.30

Loss from discontinued operations

Ó

Ó

(0.01)

Net income

$

0.87

$

1.27

$

0.29

The  following  table  sets  forth  the  potential  common
shares  outstanding  for  options  to  purchase  shares  of
common  stock  that  were  outstanding  but  were  not
included  in  the  computation  of  diluted  EPS  for  the
period  indicated,  because  their  effect  would  be  anti-
dilutive.

In thousands

Potential common shares

2005

758

2004

1,664

2003

1,846

9. GAIN ON INSURANCE RECOVERIES

During  2005  and  2004,  we  reached  successful
resolution  of  certain  claims  under  insurance  policies
related  to  the  Fox  River  environmental  matter.
Insurance  recoveries  included  in  the  results  of
operations totaled $20.2 and $32.8 million in 2005 and
2004, respectively, and were received in cash.

10.

INCOME TAXES

Income taxes are recognized for the amount of taxes
payable or refundable for the current year and deferred
tax liabilities and assets for the future tax consequences
of events that have been recognized in our consolidated
financial  statements  or  tax  returns.  The  effects  of
income taxes are measured based on enacted tax laws
and rates.

- 36 -

GLATFELTER

The  provision  for  income  taxes  from  continuing

The sources of deferred income taxes were as follows

operations consisted of the following:

at December 31:

In thousands

Current taxes

Federal

State

Foreign

Deferred taxes

Federal

State

Foreign

Year Ended December 31
2003
2004
2005

$14,881

$ 8,982

$ (723)

3,145

485

5,262

3,053

27

347

18,511

17,297

(349)

3,239

14,292

(1,905)

1,686

3,020

101

2,971

17,364

1,562

2,950

3,267

7,779

Total provision for income taxes
from continuing operations

$21,531

$34,661

$7,430

The following are domestic and foreign components

of pretax income from continuing operations:

In thousands

United States

Foreign

Year Ended December 31
2003
2004
2005

$55,865

$78,627

$16,968

4,275

12,136

3,448

Total pretax income

$60,140

$90,763

$20,416

A reconciliation between the income tax provision,
computed by applying the statutory federal income tax
rate  of  35%  to  income  before  income  taxes  from
continuing operations, and the actual income tax:

Year Ended
December 31
2004

2003

2005

Federal income tax provision at statutory

rate

35.0% 35.0% 35.0%

State income taxes, net of federal income

tax benefit

Tax effect of bargain sale

Tax effect of tax credits

Valuation allowance

Provision for (resolution of) tax matters

Other

1.3

Ó

(2.2)

(0.8)

2.2

0.3

3.9

Ó

3.7

(19.6)

(4.1)

(7.3)

3.4

Ó

Ó

29.7

(2.7)

(2.4)

Total provision for income taxes from

continuing operations

35.8% 38.2% 36.4%

Post-

retirement
benefits

Property

Pension

Installment
Sale

Inventories

Other

Tax carry

forwards

Subtotal

Valuation

2005

2004

In
thousands

Current
Asset
(Liability)

Non-
current
Asset
(Liability)

Current
Asset
(Liability)

Reserves

$ 6,082

$

Compensation

1,134

8,817

2,832

$6,291

1,070

1,992

Ó

(430)

Ó

(45)

2,285

10,683

(117,492)

(98,261)

(10,897)

Ó

(4,315)

1,992

Ó

(478)

Ó

368

176

Non-
current
Asset
(Liability)

$

10,106

2,274

10,591

(124,651)

(94,373)

(12,521)

Ó

(2,688)

Ó

20,467

(1,519)

25,858

11,018

(188,166)

7,900

(185,404)

allowance

(26)

(18,103)

Ó

(20,037)

Total

$10,992

$(206,269)

$7,900

$(205,441)

Current  and  non-current  deferred  tax  assets  and
liabilities  are  included  in  the  following  balance  sheet
captions:

In thousands

Prepaid expenses and other current assets
Other current liabilities
Other non-current assets

Deferred income taxes

Year Ended
December 31

2005

2004

$ 11,209
217
Ó

$

8,910
1,010
6,633

206,269

212,074

At December 31, 2005, the Company had state and
foreign tax net operating loss (""NOL'') carryforwards of
$70.7  million  and  $10.0  million,  respectively.  These
NOL carryforwards are available to offset future taxable
income,  if  any.  The  state  NOL  carryforwards  expire
between 2007 and 2025; the foreign NOL carryforwards
do not expire.

In  addition,  the  Company  had  federal  charitable
contribution carryforwards of $7.5 million, which expire
in  2008,  federal  foreign  tax  credit  carryforwards  of
$0.3 million, which expire in 2013, and various state tax
credit carryforwards totaling $1.3 million, which expire
between 2006 and 2020.

The Company has established a valuation allowance
of  $18.1  million  against  the  net  deferred  tax  assets,
primarily due to the uncertainty regarding the ability to
utilize  state  tax  carryforwards  and  certain  deferred
foreign tax credits.

- 37 -

GLATFELTER

The  Company  operates  within  multiple  taxing
jurisdictions  and  in  the  normal  course  of  business  is
examined in various jurisdictions. Tax accruals related
to  the  estimated  outcome  of  these  examinations  are
recorded in accordance with SFAS No. 5. The reversal
of  accruals  is  recorded  when  examinations  are
completed,  statues  of  limitations  close  or  tax  laws
change. A net expense of $1.3 million was recorded in
2005,  $0.3  million  was  recorded  in  2004,  and  a  net
benefit of $1.7 million was recorded in 2003 related to
domestic and foreign examination audits and risks. Tax
credits and other incentives reduce tax expense in the
year  the  credits  are  claimed.  In  2005,  the  Company
recorded  tax  credits  of  $1.8  million  related  to  R&D
credits, fuels tax credit and the newly enacted electricity
production  tax  credit.  In  2004  and  2003  similar  tax
credit  were  recorded  of  $0.8  million  and  $1.5  million
respectively.

reinvested 

to  be  permanently 

At  December  31,  2005  and  2004,  unremitted
earnings  of  subsidiaries  outside  the  United  States
deemed 
totaled
$57.9  million  and  $55.9  million,  respectively.  Because
the unremitted earnings of subsidiaries are deemed to be
permanently  reinvested  as  of  December  31,  2005,  no
deferred  tax  liability  has  been  recognized  in  the
Company's  financial  statements.  Consistent  with  the
Company's  policy  of  permanent  reinvestment,  the
Company did not repatriate under the provisions of the
American Jobs Creation Act of 2004.

11. STOCK-BASED COMPENSATION

On  April  25,  2005  the  common  shareholders
approved the P. H. Glatfelter 2005 Long Term Incentive
Plan (""2005 Plan'') to authorize, among other things,
the  issuance  of  up  to  1,500,000  shares  of  Glatfelter
common stock to eligible participants. The 2005 Plan,
which  replaced  the  1992  Long  Term  Incentive  Plan,
provides  for  the  issuance  of  restricted  stock  units,
restricted  stock  awards,  non-qualified  stock  options,
performance  shares,  incentive  stock  options  and
performance  units.  As  of  December  31,  2005,

1,469,118  shares  of  common  stock  were  available  for
future issuance under the 2005 Plan.

Restricted Stock Units

During 2005 and 2004,
150,782  and  157,280  non-vested  RSUs,  net  of
forfeitures, were awarded, respectively, primarily under
the 1992 Key Employee Long-Term Incentive Plan, to
executive officers and other key employees. Under terms
of the awards, the RSUs vest based solely on the passage
of time on a graded scale over a three, four, and five-
year  period.  On  the  grant  date,  the  RSUs,  net  of
forfeitures  were  valued  at  $1.7  million  and  were
recorded  as  ""Deferred  compensation,''  a  contra-equity
account in the accompanying Condensed Consolidated
Balance Sheet. Stock-based compensation expense with
respect  to  the  RSUs  totaled  $0.9  million  and
$0.5 million during 2005 and 2004, respectively.

During
Restricted  Stock  Performance  Awards
2003,  2,660  shares  of  restricted  stock  performance
shares  were  awarded.  Such  awards  are  subject  to
forfeiture, in whole or in part, if the recipient ceases to
be an employee within a specified time period. Vesting
of  the  awards  was  contingent  on  achieving  certain
specified total shareholder return measures related to a
peer group as of December 31, 2005. This target was
met and shares were issued in 2006.

The  number  of  shares  otherwise  required  to  be
delivered may be reduced by an amount that would have
a fair market value equal to the taxes we withhold on
delivery. We may also, at our discretion, elect to pay to
the recipients in cash an amount equal to the fair market
value of the shares that would otherwise be delivered.

The  following  table  summarizes  stock-based
compensation  expense  with  respect  to  restricted  stock
performance awards for each of the past three years:

In thousands

Compensation Expense

2005

2004

2003

$ 705

(443)

533

Non-Qualified Stock Options

The following table summarizes the activity with respect to non-qualified options

to purchase shares of common stock granted under the 1992 Plan:

Outstanding at beginning of year
Granted
Exercised
Canceled

Outstanding at end of year

Exercisable at end of year

2005

Weighted-
Average
Exercise Price

$14.65
Ì
12.67
17.30

14.06

$14.07

Shares

2,098,612
Ì
(111,542)
(433,861)

1,553,209

1,547,422

2004

Weighted-
Average
Exercise Price

$14.71
11.18
12.61
15.51

14.65

$15.17

Shares

2,304,339
51,250
(72,850)
(184,127)

2,098,612

1,956,439

2003

Weighted-
Average
Exercise Price

$15.00
11.75
12.60
16.47

14.71

$15.45

Shares

2,828,529
40,990
(43,287)
(521,893)

2,304,339

1,410,614

- 38 -

GLATFELTER

The following table summarizes information about stock options outstanding at December 31, 2005:

$10.78 to $12.41

12.95 to 14.44

15.44 to 17.16

17.54 to 18.78

Options Outstanding

Options Exercisable

Weighted-
Average
Remaining
Contractual Life

Weighted-
Average
Exercise Price

Number
Outstanding

Weighted-
Average
Exercise Price

4.0

5.4

5.6

2.3

4.8

$12.09

13.29

15.55

18.26

362,250

640,812

394,800

149,560

1,547,422

$11.48

13.29

15.55

18.26

Shares

368,037

640,812

394,800

149,560

1,553,209

In  December  2003,  the  Compensation  Committee
accelerated  the  vesting  of  options  granted  during
December 2001 and December 2002, to become fully
vested as of January 1, 2004. Vesting was accelerated for
an aggregate of 639,610 shares, of which 98,300 were
previously vested under their original terms. Since the
options' exercise price was greater than the market value
of the underlying common stock at the time vesting was
accelerated, no compensation expense was recognized.
All  options  expire  on  the  earlier  of  termination  or,  in
some  instances,  a  defined  period  subsequent  to
termination of employment, or ten years from the date
of grant.

The  exercise  price  represents  the  average  quoted
market price of Glatfelter common stock on the date of
grant, or the average quoted market prices of Glatfelter
common stock on the first day before and after the date
of grant for which quoted market price information was
available if such information was not available on the
date of grant.

12. RETIREMENT PLANS AND OTHER POST-

RETIREMENT BENEFITS

We  have  both  funded  and,  with  respect  to  our
international  operations,  unfunded  noncontributory
defined-benefit pension plans covering substantially all
of our employees. The benefits are based, in the case of
certain plans, on average salary and years of service and,
in the case of other plans, on a fixed amount for each
year  of  service.  Plan  provisions  and  funding  meet  the
requirements  of  the  Employee  Retirement  Income
Security  Act  of  1974.  We  use  a  December  31-
measurement date for all of our defined benefit plans.

We  also  provide  certain  health  care  benefits  to
eligible  retired  employees.  These  benefits  include  a
comprehensive medical plan for retirees prior to age 65
and  fixed  supplemental  premium  payments  to  retirees
over age 65 to help defray the costs of Medicare. The
plan is not funded and claims are paid as reported.

In millions

Change in Benefit Obligation

Pension Benefits
2004
2005

Other Benefits
2004
2005

Balance at beginning of year

$295.2

$267.2

$ 46.7

$ 39.7

Service Cost

Interest Cost

Plan amendments

Actuarial loss

Benefits paid

3.7

16.3

Ó

21.6

3.9

16.1

0.2

15.9

1.1

2.7

(1.4)

3.4

1.0

2.4

2.0

(20.5)

(18.4)

(4.2)

(3.6)

Impact of curtailments

Impact of special termination

benefits

Ó

Ó

(0.5)

10.8

Ó

Ó

5.1

0.1

Balance at end of year

$316.3

$295.2

$ 48.3

$ 46.7

Change in Plan Assets

Fair value of plan assets at

beginning of year

$465.6

$445.7

$

Actual return on plan assets

Employer contributions

24.2

2.3

35.8

2.5

Ó

Ó

4.2

$

Ó

Ó

3.6

Benefits paid

(20.5)

(18.4)

(4.2)

(3.6)

Fair value of plan assets at

end of year

$471.6

$465.6

$

Ó

$

Ó

Reconciliation of Funded

Status

Funded Status

Unrecognized transition

assets

Unrecognized prior service

cost

Unrecognized loss

$155.3

$170.4

$(48.3)

$(46.7)

Ó

Ó

Ó

Ó

19.6

70.4

21.7

33.4

(7.5)

23.2

(6.8)

21.1

Net amount recognized

$245.3

$225.5

$(32.6)

$(32.4)

The net prepaid pension cost for qualified pension
plans is primarily included in ""Other assets,'' and the
accrued pension cost for non-qualified pension plans and
accrued  post-retirement  benefit  costs  are  primarily
included  in  ""Other  long-term  liabilities''  on  the
Consolidated Balance Sheets at December 31, 2005 and
2004.

- 39 -

GLATFELTER

Amounts  recognized  in  the  consolidated  balance

sheet consist of the following as of December 31:

In millions

Prepaid benefit cost
Accrued benefit liability
Intangible asset
Other comprehensive income,

pre-tax

Pension Benefits
2004
2005

Other Benefits
2004
2005

$264.7
(28.6)
1.9

$245.4
(19.9)
Ó

$

Ó
(32.6)
Ó

$

Ó
(32.4)
Ó

7.3

Ó

Ó

Ó

Net amount recognized

$245.3

$225.5

$(32.6)

$(32.4)

The  accumulated  benefit  obligation  for  all  defined
benefit pension plans was $297.7 million and $283.2. at
December 31, 2005 and 2004, respectively.

in
The  weighted-average  assumptions  used 
computing the benefit obligations above were as follows:

Pension
Benefits

Other
Benefits

2005

2004

2005

2004

Discount rate Ó benefit obligation
Future compensation growth rate

5.50% 5.75% 5.50% 5.75%
4.0

4.0

Ó

Ó

Information for pension plans with an accumulated
benefit obligation in excess of plan assets was as follows:

In millions

Projected benefit obligation
Accumulated benefit obligation
Fair value of plan assets

2005

2004

$30.3
28.6
Ó

$23.1
21.8
Ó

Net  periodic  benefit  (income)  cost  includes  the

following components:

In millions

Pension Benefits
Service cost
Interest cost
Expected return on plan assets
Amortization of transition asset
Amortization of prior service cost
Recognized actuarial loss

Net periodic benefit (income) cost
Special termination benefits
Curtailment and settlement

Year Ended December 31
2003
2004
2005

$

3.7
16.3
(39.4)
Ó
2.3
0.5

(16.6)
Ó
Ó

$ 3.9
16.1
(39.4)
(0.8)
2.4
0.4

(17.4)
Ó
11.4

$

3.7
16.3
(38.7)
(1.3)
2.8
0.0

(17.2)
5.4
Ó

Total net periodic benefit (income) cost

$(16.6)

$ (6.0)

$(11.8)

Other Benefits
Service cost
Interest cost
Amortization of prior service cost
Recognized actuarial loss

Net periodic benefit (income) cost
Special termination benefits
Plan amendments

$

$

1.1
2.7
(0.7)
1.3

$ 1.0
2.4
(0.7)
1.2

3.9
5.2
Ó

4.4
Ó
Ó

4.4

1.0
2.5
(0.8)
1.1

3.8
(0.5)
(0.7)

Total net periodic benefit cost

$

$ 9.1

$

2.6

The weighted-average assumptions used in computing
the  net  periodic  benefit  (income)  cost  information
above were as follows:

In millions

Pension Benefits
Discount rate Ó benefit expense
Future compensation growth rate
Expected long-term rate of return on plan

assets

Other Benefits
Discount rate Ó benefit expense
Future compensation growth rate
Expected long-term rate of return on plan

assets

Year Ended
December 31
2004

2003

2005

5.75% 6.25% 6.75%
4.0
4.0

4.0

8.5

8.5

8.5

5.75% 6.25% 6.75%
Ó

Ó

Ó

Ó

Ó

Ó

To  develop  the  expected  long-term  rate  of  return
assumption, we considered the historical returns and the
future expected returns for each asset class, as well as
the target asset allocation of the pension portfolio. This
resulted in the selection of the 8.5% long-term rate of
return on plan assets assumption for 2005.

Assumed  health  care  cost 

trend 

rates  at

December 31 were as follows:

Health care cost trend rate assumed for next year
Rate to which the cost trend rate is assumed to

decline (the ultimate trend rate)

Year that the rate reaches the ultimate rate

2005

2004

11.0%

11.5%

5.0
2013

5.0
2014

Assumed  health  care  cost  trend  rates  have  a
significant  effect  on  the  amounts  reported  for  health
care plans. A one percentage-point change in assumed
health  care  cost  trend  rates  would  have  the  following
effects:

In thousands

Effect on:

One percentage
point

increase

decrease

Post-retirement benefit obligation

$4,267

$(3,774)

Total of service and interest cost

components

407

(353)

Plan  Assets  Glatfelter's  pension  plan  weighted-
average allocations at December 31, 2005 and 2004, by
asset category, are as follows:

Asset Category Equity securities

Debt securities

Cash and real estate

Total

2005

2004

70%

66%

30

Ó

30

4

100%

100%

Our objective is to achieve an above-market rate of
return  on  our  pension  plan  assets.  Based  upon  this

- 40 -

GLATFELTER

objective, along with the timing of benefit payments and
the risks associated with various asset classes available
for investment, we have established the following asset
allocation guidelines:

to certain limitations, in the form of shares of Glatfelter
common stock. The expense associated with our 401(k)
match was $0.6 million, $0.7 million and $0.7 million in
2005, 2004 and 2003, respectively.

Minimum

Target

Maximum

Equity

Fixed Income & Other

60%

20

70%

30

80%

40

Real estate can be between 0% and 5% of the target
equity allocation. Glatfelter stock can also be between
0% and 5% of the target equity allocation, although there
were no holdings of Glatfelter stock as of December 31,
2005  or  2004.  Our  investment  policy  prohibits  the
investment in certain securities without the approval of
the  Finance  Committee  of  the  Board  of  Directors.
Regarding  Fixed  Income  securities,  the  weighted-
average  credit  quality  will  be  at  least  ""AA''  with  a
""BBB'' minimum credit quality for each issue.

Cash  Flow

We  do  not  expect  to  make
contributions  to  our  qualified  pension  plans  in  2006.
Contributions  and  benefit  payments  expected  to  be
made in 2006 under our non-qualified pension plans and
other benefit plans are summarized below:

In thousands

Nonqualified pension plans

Other benefit plans

$2,145

5,079

The  following  table  sets  forth  benefit  payments,
which  reflect  expected  future  service,  as  appropriate,
expected to be paid:

In thousands

2006

2007

2008

2009

2010
2011 through 2015

Pension Benefits
Qualified Non-Qualified

Plans

$18,048

17,842

17,534

17,265

17,345
93,617

Plans

$2,145

2,079

2,061

2,052

1,725
8,893

Other
Benefits

$ 5,079

4,826

4,334

4,119

3,801
18,296

Payments  expected  to  be  made  pursuant  to  the
qualified  plans  will  be  made  from  our  pension  plan
assets.

Defined  Contribution  Plans

We  maintain
401(k) plans for certain hourly and salaried employees.
Employees may contribute up to 15% of their salary to
these  plans,  subject  to  certain  restrictions.  We  will
match a portion of the employee's contribution, subject

Defined  Contribution  Plans

We  maintain
401(k) plans for certain hourly and salaried employees.
Employees may contribute up to 15% of their salary to
these  plans,  subject  to  certain  restrictions.  We  will
match a portion of the employee's contribution, subject
to certain limitations, in the form of shares of Glatfelter
common stock. The expense associated with our 401(k)
match was $0.6 million, $0.7 million and $0.7 million in
2005, 2004 and 2003, respectively.

13.

INVENTORIES

Inventories, net of reserves were as follows:

In thousands

Raw materials

In-process and finished

Supplies

Total

2005

2004

$16,392

$14,974

39,930

24,926

39,327

24,535

$81,248

$78,836

If we had valued all inventories using the average-
cost method, inventories would have been $12.7 million
and $12.6 million higher than reported at December 31,
2005 and 2004, respectively. During 2005 and 2003 we
liquidated certain LIFO inventories, the effect of which
did not have a significant impact on net income.

At  December  31,  2005  the  recorded  value  of  the
above inventories exceeded the tax basis by $0.2 million.
At December 31, 2004, the recorded values were less
than the tax basis by $0.8 million.

14. PLANT, EQUIPMENT AND TIMBERLANDS

Plant, equipment and timberlands at December 31

were as follows:

In thousands

Land and buildings

Machinery and equipment

Other

Accumulated depreciation

Construction in progress

Timberlands, less depletion

2005

2004

$132,962

$137,668

888,660

902,835

82,098

85,891

(641,070)

(611,852)

462,650

514,542

13,940

2,238

3,219

2,651

Plant, equipment and timberlands Ì net

$478,828

$520,412

- 41 -

GLATFELTER

15. OTHER CURRENT LIABILITIES

Other current liabilities consist of the following:

In thousands

Accrued payroll and benefits

Other accrued compensation and retirement

benefits

Income taxes payable

Cross currency rate swap

Other accrued expenses

Total

December 31

2005

2004

$18,828

$19,525

6,320

15,480

16,370

17,128

8,838

14,307

Ó

15,544

$74,126

$58,214

16. LONG-TERM DEBT

Long-term debt is summarized as follows:

In thousands

December 31

2005

2004

Revolving credit facility, due June 2006
67/8% Notes, due July 2007

$ 19,650
150,000

$ 23,277
150,000

Note payable Ì SunTrust, due March 2008

34,000

34,000

Other notes, various

Total long-term debt

Less current portion

Ó

446

203,650

207,723

(19,650)

(446)

Long-term debt, excluding current portion

$184,000

$207,277

During  2002,  we  entered  into  an  unsecured
$125  million  multi-currency  revolving  credit  facility
(the ""Facility'') with a syndicate of four major banks.
The  Facility,  which  replaced  an  old  facility,  enables
Glatfelter  or  its  subsidiaries  to  borrow  up  to  the
equivalent  of  $125.0  million  in  certain  currencies.
Borrowings can be made for any time period from one
day  to  six  months  and  incur  interest  based  on  the
domestic  prime  rate  or  a  Eurocurrency  rate,  at  our
option,  plus  a  margin  ranging  from  .525  to  1.05.  The
margin and a facility fee on the commitment balance are
based on the higher of our debt ratings as published by
Standard & Poor's and Moody's. The Facility requires
us to meet certain leverage and interest coverage ratios,
both  of  which  we  are  in  compliance  with  at
December 31, 2005.

On July 22, 1997, we issued $150.0 million principal
amount of 67/8% Notes due July 15, 2007. Interest on the
Notes is payable semiannually on January 15 and July
15. The Notes are redeemable, in whole or in part, at our
option at any time at a calculated redemption price plus
accrued and unpaid interest to the date of redemption,
and  constitute  unsecured  and  unsubordinated
indebtedness.

On  March  21,  2003,  we  sold  approximately
25,500  acres  of 
received  as
consideration  a  $37.9  million  10-year  interest  bearing

timberlands  and 

note receivable from the Timberland Buyer. We pledged
the Note as collateral under a $34.0 million promissory
note  payable  to  SunTrust  Financial  (the  ""Note
Payable''). The Note Payable bears interest at a fixed
rate of 3.82% for five years at which time we can elect to
renew the obligation.

P. H.  Glatfelter  Company  guarantees  debt
obligations of all its subsidiaries. All such obligations are
recorded in these consolidated financial statements.

At  December  31,  2005  and  2004,  we  had
$4.3 million and $4.0 million, respectively, of letters of
credit issued to us by a financial institution. The letters
of  credit  are  for  the  benefit  of  certain  state  workers
compensation  insurance  agencies  in  conjunction  with
our  self-insurance  program.  No  amounts  were
outstanding  under  the  letters  of  credit.  We  bear  the
credit risk on this amount to the extent that we do not
comply with the provisions of certain agreements. The
letters  of  credit  do  not  reduce  the  amount  available
under our lines of credit.

17. CROSS-CURRENCY SWAP

In conjunction with our 2002 refinancing, we entered
into a cross-currency swap transaction effective June 24,
2002. Under this transaction, we swapped $70.0 million
for approximately #73.0 million and will pay interest on
the Euro portion of the swap at a floating Eurocurrency
Rate, plus applicable margins and will receive interest
on  the  dollar  portion  of  the  swap  at  a  floating
U.S.  Dollar  LIBOR,  plus  applicable  margins.  The
contract matures on June 24, 2006. The cross-currency
swap is designed to provide protection from the impact
that  changes  in  currency  rates  have  on  certain
U.S.  dollar-denominated  inter-company  obligations
recorded at our subsidiary in Gernsbach, Germany. The
cross-currency  swap  is  recorded  in  the  Consolidated
Balance  Sheets  at  fair  value  of  $(16.4)  and
$(29.6)  million  at  December  31,  2005  and  2004,
respectively,  under  the  captions  ""Other  current
liabilities''  and 
liabilities'',
respectively.  Changes  in  fair  value  are  recognized  in
current earnings as ""Other income (expenses)'' in the
Consolidated  Statements  of  Income.  The  mark-to-
market  adjustment  was  offset  by 
related
remeasurement  of  the  U.S.  dollar  denominated  inter-
company obligations.

long-term 

""Other 

the 

The  credit  risks  associated  with  our  financial
derivatives  are  controlled  through  the  evaluation  and
monitoring  of  creditworthiness  of  the  counterparties.
Although counterparties may expose us to losses in the
event of nonperformance, we do not expect such losses,
if any, to be significant.

- 42 -

GLATFELTER

18. SHAREHOLDERS' EQUITY

The following table summarizes outstanding shares

of common stock:

In thousands

Year Ended December 31
2003
2004
2005

Shares outstanding at beginning of year

43,950

43,782

43,644

Treasury shares issued for:

Restricted stock performance awards

401(k) plan

Director compensation

Employee stock options exercised

62

9

111

19

69

7

73

8

80

7

43

Shares outstanding at end of year

44,132

43,950

43,782

19. COMMITMENTS, CONTINGENCIES AND
LEGAL PROCEEDINGS

Contractual  Commitments  The  following  table
summarizes  the  minimum  annual  rentals  due  on
noncancelable  operating  leases  and  other  similar
contractual obligations having initial or remaining terms
in  excess  of  one  year.  Other  contractual  obligations
primarily  represent  minimum  purchase  commitments
under steam, energy and pulp wood supply contracts.

In thousands

2006

2007

2008

2009

2010

Leases

Other

$2,191

$21,740

1,886

1,238

794

624

12,632

12,668

12,488

7,840

At  December  31,  2005,  required  minimum  annual
rentals  due  under  operating  leases  and  other  similar
contractual  obligations  aggregated  $15.5  million  and
$125.4 million, respectively.

Ecusta Division Matters

We have reserves for
various  matters  associated  with  our  former  Ecusta
Division.  Activity  in  these  reserves  during  the  periods
indicated is summarized below.

Ecusta

Environmental Workers'

In thousands

Matters

Comp

Other

Total

Balance, Jan. 1, 2003

Accruals

Payments

Balance, Dec. 31, 2003

Accruals

Payments

Balance, Dec. 31, 2004

Accruals

Payments

$

Ó

7,600

Ó

7,600

Ó

(1,209)

6,391

2,700

(986)

$2,200

$1,393 $ 3,593

Ó

Ó

Ó

Ó

7,600

Ó

2,200

Ó

(56)

1,393

1,907

11,193

1,907

Ó

(1,265)

2,144

3,300

11,835

Ó

(231)

Ó

Ó

2,700

(1,217)

Balance, Dec. 31, 2005

$ 8,105

$1,913

$3,300 $13,318

With  respect  to  the  reserves  set  forth  above  as  of
December 31, 2005, $1.5 million is recorded under the
caption ""other current liabilities'' and $11.8 million is
recorded under the caption ""other long-term liabilities''
in  the  accompanying  condensed  consolidated  balance
sheets.

The  following  discussion  provides  more  details  on

each of these matters.

Background  Information

In  August  2001,
pursuant to an acquisition agreement (the ""Acquisition
Agreement''), we sold the assets of our Ecusta Division
to  four  related  entities,  consisting  of  Purico  (IOM)
Limited,  an  Isle  of  Man  limited  liability  company
(""Purico''), and RF&Son Inc. (""RF''), RFS US Inc.
(""RFS US'') and RFS Ecusta Inc. (""RFS Ecusta''),
each of which is a Delaware corporation, (collectively,
the ""Buyers'').

In  August  2002,  the  Buyers  shut  down  the
manufacturing operation of the pulp and paper mill in
Pisgah  Forest,  North  Carolina,  which  was  the  most
significant  operation  of  the  Ecusta  Division.  On
October 23, 2002, RFS Ecusta and RFS US filed for
bankruptcy  under  Chapter  7  of  the  U.S.  Bankruptcy
Code. During the fourth quarter of 2002, in accordance
with  the  provisions  of  the  Acquisition  Agreement,  we
notified the Buyers of third party claims (""Third Party
Claims'')  made  against  us  for  which  we  are  seeking
indemnification  from  the  Buyers.  The  Third  Party
Claims  primarily  relate  to  certain  post-retirement
benefits,  workers'  compensation  claims  and  vendor
payables.

Effective August 8, 2003, the assets of RFS Ecusta
and RFS US, which substantially consist of the pulp and
paper mill and related real property, were sold to several
third  parties  unrelated  to  the  Buyers  (the  ""New
Buyers'').  We  understand  the  New  Buyers'  business
plan was to continue certain mill-related operations and
to convert portions of the mill site into a business park.

Ecusta  Environmental  Matters

Beginning  in
April 2003, government authorities, including the North
Carolina  Department  of  Environment  and  Natural
Resources (""NCDENR''), initiated discussions with us
and  the  New  Buyers  regarding,  among  other
environmental  issues,  certain  potential  landfill  closure
liabilities  associated  with  the  Ecusta  mill  and  its
properties.  The  discussions  focused  on  NCDENR's
desire to establish a plan and secure financial resources
to close three landfills located at the Ecusta facility and
to address other environmental matters at the facility.
During the third quarter of 2003, the discussions ended
with NCDENR's conclusion to hold us responsible for
the  closure  of  three  landfills.  Accordingly,  we

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GLATFELTER

established  reserves  approximating  $7.6  million.  In
March 2004 and September 2005, the NCDENR issued
us  separate  orders  requiring  the  closure  of  two  of  the
three landfills at issue. We have substantially completed
the closure of these two landfills.

In  October  2004,  one  of  the  New  Buyers  entered
into  a  Brownfields  Agreement  with  the  NCDENR
relating to the Ecusta mill, pursuant to which the New
Buyer was to be held responsible for certain specified
environmental concerns.

In  September  2005,  NCDENR  sought  our
participation, pursuant to a proposed consent order, in
the  evaluation  and  potential 
remediation  of
environmentally  hazardous  conditions  at  the  former
Ecusta mill site. In January 2006, NCDENR modified
its proposed consent order to include us and the owner
(the  ""Prior  Owner'')  from  whom  our  predecessor,
Ecusta  Corporation,  purchased  the  Ecusta  mill.
NCDENR  and  the  United  States  Environmental
Protection Agency (""USEPA'') have indicated that if
neither  party  enters  into  the  proposed  consent  order
EPA  will  likely  list  the  mill  site  on  the  National
Priorities List and pursue assessment and remediation of
the  site  under  the  Comprehensive  Environmental
Responsibility, Compensation and Liability Act (more
commonly  known  as  ""Superfund'').  In  addition  to
calling  for  the  assessment,  closure,  and  post-closure
monitoring  and  maintenance  of  the  third  landfill  for
which  we  had  previously  been  held  responsible,  the
proposed consent order asserts concerns regarding:

i. mercury  and  certain  other  contamination  on

and around the site;

ii. potentially hazardous conditions existing in the
sediment and water column of the site's water
treatment and aeration and sedimentation basin
(the ""ASB''); and

iii. contamination  associated  with  two  additional
landfills on the site that were not used by us.

With  respect  to  the  concerns  set  forth  above
(collectively, the ""NCDENR matters'') we believe the
Prior  Owner  has  primary  liability  for  the  mercury
contamination;  that  the  New  Buyers,  as  owner  and
operator  of  the  ASB,  have  primary  liability  for
addressing  any  issues  associated  with  the  ASB,
including closure, and that the New Buyers, in a May
2004 agreement, expressly agreed to indemnify and hold
us harmless from certain environmental liabilities, which
include most, if not all, of the NCDENR matters. We
continue to have discussions with NCDENR concerning
our  potential  responsibilities  and  appropriate  remedial
actions, if any, which may be necessary.

In addition, it is possible the New Buyers may not
have  sufficient  cash  flow  to  continue  meeting  certain
obligations to NCDENR and us. Specifically, the New
Buyers  are  obligated  (i)  to  treat  leachate  and
stormwater  runoff  from  the  landfills,  which  we  are
currently  required  to  manage,  and  (ii)  to  remediate
groundwater contamination in the vicinity of a former
caustic building at the site. If the New Buyers should
default  on  these  obligations,  it  is  possible  that
NCDENR  will  require  us  to  make  appropriate
arrangements  for  the  treatment  and  disposal  of  the
landfill  waste  streams  and  to  be  responsible  for  the
remediation of certain contamination on and around the
site (collectively, the ""New Buyers Matters'').

As  a  result  of  NCDENR's  September  2005
communication with us and our assessment of the range
of likely outcomes of the NCDENR Matters and the
New Buyers Matters, our results of operations for 2005
includes a $2.7 million charge to increase our reserve for
estimated  costs  associated  with 
the  Ecusta
environmental  matters.  The  addition  to  the  reserve
includes  estimated  operating  costs  associated  with
continuing certain water treatment facilities at the site
which  are  necessary  to  treat  leachate  discharges  from
certain  of  the  landfills,  the  closure  for  which  we  had
previously  reserved,  estimated  costs  to  perform  an
assessment  of  certain  risks  posed  by  the  presence  of
mercury,  further  characterization  of  sediment  in  the
ASB and treatment of other contamination.

The  reserves  relating  to  additional  environmental
assessment  activities  were  premised,  in  part,  on  the
belief  that  it  might  be  mutually  beneficial  to  us  and
NCDENR  if  we  were  to  agree  to  perform  the
assessment  activities,  without  accepting  responsibility
for any subsequently required remediation. We believe
that  outcome  may  still  be  possible.  However,  it  is
currently  unclear  whether  NCDENR  and  EPA  will
accept such an arrangement. It is equally uncertain what
action  will  be  taken  by  EPA  and  NCDENR  in  the
absence  of  a  consent  order  (and  against  whom)  and
what remediation, if any, will be required if and when
additional assessments are performed.

In  addition,  it  is  unclear  how  liability  for  any
required assessment or remediation will be apportioned
among the Prior Owner, Glatfelter, the Buyers and the
the  2005  charge  does  not
New  Buyers.  Therefore,
include  costs  associated  with  further  remediation
activities that we may be required to perform.

Whether we will be required to remediate, the extent
of  contamination,  if  any,  and  the  ultimate  costs  to
remedy,  are  not  reasonably  estimable  based  on
information  currently  available  to  us.  Accordingly,  no

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GLATFELTER

amounts  for  such  actions  have  been  included  in  our
reserve discussed above. If we are required to complete
additional  remedial  actions,  further  charges  would  be
required, and such amounts could be material.

We  are  evaluating  potential  legal  claims  we  may
have  in  pursuing  any  other  parties,  including  previous
owners,  of  the  site  for  their  obligations  and/or  cost
recoveries. We are also evaluating options for ensuring
that the New Buyers fulfill their obligations with respect
to the New Buyers Matters. We are uncertain as to what
additional  Ecusta-related  claims,  including,  among
others,  environmental  matters,  government  oversight
and/or government past costs, if any, may be asserted
against us.

Workers' Compensation

In addition to reserves
for environmental matters at the site, prior to 2003, we
had  established  reserves  related  to  potential  worker's
compensation claims which at that time were estimated
to total approximately $2.2 million. In the fourth quarter
of 2005, the North Carolina courts issued a ruling that
held  us  liable  for  worker's  compensation  claims  of
certain  employees  that  were  injured  during  their
employment at the Ecusta facility prior to our sales of
the Division. Since this ruling, we have made payments
as indicated in the reserve analysis presented earlier in
this Note 19.

We continue to believe the Buyers are responsible
for  the  Environmental  Matters  and  the  Workers'
the
Compensation  claims  under  provisions  of 
Acquisition  Agreement,  and  believe  we  have  a  strong
legal basis claim for indemnification. We are pursuing
appropriate  avenues  to  enforce  the  provisions  of  the
Acquisition Agreement.

Other

In October 2004, the bankruptcy trustee
for  the  estates  of  RFS  Ecusta  and  RFS  US  filed  a
complaint in the U.S. Bankruptcy Court for the Western
District of North Carolina against certain of the Buyers
and other related parties (""Defendant Buyers'') and us.
The  complaint  alleges,  among  other  things,  that  the
Defendant  Buyers  engaged  in  fraud  and  fraudulent
transfers  and  breached  their  fiduciary  duties.  With
respect to Glatfelter, the complaint alleges that we aided
and  abetted  the  Defendant  Buyers  in  their  purported
actions in the structuring of the acquisition of the Ecusta
Division  and  asserts  a  claim  against  us  under  the
Bankruptcy Code. The trustee seeks damages from us in
an amount not less than $25.8 million, plus interest, and
other relief. We believe these claims are largely without
merit and we are vigorously defending ourselves in this
action. Accordingly, no amounts have been recorded in
the accompanying consolidated financial statements.

 The bankruptcy trustee filed another complaint, also in
the U.S. Bankruptcy Court for the Western District of
North  Carolina,  against  us,  certain  banks  and  other
parties, seeking, among other things, damages totaling
$6.5  million  for  alleged  breaches  of  the  Acquisition
Agreement  (the  ""Breach  Claims''),  release  of  certain
amounts  held  in  escrow  totaling  $3.5  million  (the
""Escrow  Claims'')  and  recoveries  of  unspecified
amounts  allegedly  payable  under  the  Acquisition
Agreement  and  a  related  agreement.  We  were  first
notified  of  the  potential  Breach  Claims  in  July  2002,
which are primarily related to the physical condition of
the Ecusta mill at the time of sale. We believe these
claims are without merit. With respect to the Escrow
Claims, the trustee seeks the release of certain amounts
held in escrow related to the sale of the Ecusta Division,
of  which  $2.0  million  was  escrowed  at  the  time  of
closing  in  the  event  of  claims  arising  such  as  those
asserted in the Breach Claim. The Escrow Claims also
include  amounts  alleged  to  total  $1.5  million  arising
from sales by us of certain properties at or around the
Ecusta mill. We have previously reserved such escrowed
amounts  and  they  are  recorded  in  the  accompanying
Condensed  Consolidated  Balance  Sheets  as  ""Other
long-term  liabilities.''  We  are  vigorously  defending
ourselves in this action.

respect 

reported  with 

Fox  River Ì Neenah,  Wisconsin We  have
previously 
to  potential
environmental  claims  arising  out  of  the  presence  of
polychlorinated biphenyls (""PCBs'') in sediments in the
lower  Fox  River  and  in  the  Bay  of  Green  Bay,
downstream  of  our  Neenah,  Wisconsin  facility.  We
acquired  the  Neenah  facility  in  1979  as  part  of  the
acquisition of the Bergstrom Paper Company. In part,
this facility used wastepaper as a source of fiber. At no
time did the Neenah facility utilize PCBs in the pulp
and  paper  making  process,  but  discharges  from  the
facility  containing  PCBs  from  wastepaper  may  have
occurred from 1954 to the late 1970s. Any PCBs that
the  Neenah  facility  discharged  into  the  Fox  River
resulted from the presence of NCR»-brand carbonless
copy  paper  in  the  wastepaper  that  was  received  from
others and recycled.

As  described  below,  various  state  and  federal
governmental  agencies  have  formally  notified  nine
potentially responsible parties (""PRPs''), including us,
that they are potentially responsible for response costs
and  ""natural  resource  damages''  (""NRDs'')  arising
from PCB contamination in the lower Fox River and in
the  Bay  of  Green  Bay,  under  the  Comprehensive
Environmental  Response,  Compensation  and  Liability
Act  (""CERCLA'')  and  other  statutes.  The  other
identified PRPs are NCR Corporation, Appleton Papers

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GLATFELTER

Inc.,  Georgia  Pacific  Corp.  (formerly  Fort  Howard
Corp. and Fort James), WTM I Company (a subsidiary
of  Chesapeake  Corp.),  Riverside  Paper  Corporation,
U.S.  Paper  Mills  Corp.  (a  subsidiary  of  Sonoco
Products  Company),  Sonoco  Products  Company,  and
Menasha Corporation.

CERCLA  establishes  a  two-part  liability  structure
that makes responsible parties liable for (1) ""response
costs''  associated  with  the  remediation  of  a  release  of
hazardous  substances  and  (2)  NRDs  related  to  that
release.  Courts  have  interpreted  CERCLA  to  impose
joint  and  several  liabilities  on  responsible  parties  for
response costs, subject to equitable allocation in certain
instances. Prior to a final settlement by all responsible
parties  and  the  final  cleanup  of  the  contamination,
uncertainty  regarding  the  application  of  such  liability
will persist.

The areas of the lower Fox River and in the Bay of
Green  Bay  in  which  the  contamination  exists  are
commonly  referred  to  as  Operable  Unit  1  (""OU1''),
which  consists  of  Little  Lake  Butte  des  Morts,  the
portion of the river that is closest to our Neenah facility,
Operable Unit 2 (""OU2''), which is the portion of the
river between dams at Appleton and Little Rapids, and
Operable  Units  3  through  5  (""OU3Ó5''),  an  area
approximately  20  miles  downstream  of  our  Neenah
facility.

The following summarizes the status of our potential

exposure:

Response Actions

OU1 and OU2 On January 7, 2003, the Wisconsin
Department  of  Natural  Resources  (the  ""Wisconsin
DNR'')  and  the  Environmental  Protection  Agency
(""EPA'') issued a Record of Decision (""ROD'') for the
cleanup  of  OU1  and  OU2.  Subject  to  extenuating
circumstances and alternative solutions that may arise
during the cleanup, the ROD requires the removal of
approximately  784,000  cubic  yards  of  sediment  from
OU1 and no active remediation of OU2. The ROD also
requires the monitoring of the two operable units. Based
on the remediation activities completed to date, contract
proposals received for the remaining remediation work,
and  the  potential  availability  of  alternative  remedies
under  the  ROD,  we  believe  the  total  remediation  of
OU1 will cost between $61 million and $137 million.

On July 1, 2003, WTM I Company entered into an
Administrative Order on Consent (""AOC'') with EPA
and the Wisconsin DNR regarding the implementation
of the Remedial Design for OU1.

In  the  first  quarter  of  2004,  the  United  States
District  Court  for  the  Eastern  District  of  Wisconsin
approved a consent decree regarding OU1 (""the OU1
Consent  Decree'').  Under  terms  of  the  OU1  Consent
Decree, Glatfelter and WTM I Company each agreed to
pay approximately $27 million, of which $25.0 million
from each was placed in escrow to fund response work
associated with remedial actions specified in the ROD.
The  remaining  amount  that  the  parties  agreed  to  pay
under the Consent Decree includes payments for NRD,
and NRD assessment and other past costs incurred by
the governments. In addition, EPA agreed to take steps
to place $10 million from another source into escrow for
the OU1 cleanup.

The  terms  of  the  OU1  Consent  Decree  and  the
underlying  escrow  agreement  restrict  the  use  of  the
funds to qualifying remediation activities or restoration
activities at the lower Fox River site. The response work
is being managed and/or performed by Glatfelter and
WTM  I,  with  governmental  oversight,  and  funded  by
the amounts placed in escrow. Beginning in mid 2004,
Glatfelter  and  WTM  I  have  performed  activities  to
remediate OU1, including, among others, construction
of de-watering and water-treatment facilities, dredging
of portions of OU1, dewatering of the dredged materials,
and hauling of the dewatered sediment to an authorized
disposal  facility.  Since  the  start  of  these  activities,  to
date approximately 105,000 cubic yards of contaminated
sediment has been dredged.

The  terms  of  the  OU1  Consent  Decree  include
provisions to be followed should the escrow account be
depleted prior to completion of the response work. In
this  event,  each  company  would  be  notified  and  be
provided an opportunity to contribute additional funds to
the escrow account and to extend the remediation effort.
Should the OU1 Consent Decree be terminated due to
insufficient  funds,  each  company  would  lose  the
protections  contained  in  the  settlement  and  the
governments  may  turn  to  one  or  both  parties  for  the
completion of OU1 clean up. In such a situation, the
governments may also seek response work from a third
party, or perform the work themselves and seek response
costs  from  any  or  all  PRPs  for  the  site,  including
Glatfelter. Based on information currently available to
us,  and  subject  to  government  approval  of  the  use  of
alternative remedies, we believe the required remedial
actions  can  be  completed  with  the  amount  of  monies
committed under the Consent Decree. If the Consent
Decree  is  terminated  due  to  the  insufficiency  of  the
escrow  funds,  Glatfelter  and  WTM  I  each  remain
potentially  responsible  for  the  costs  necessary  to
complete the remedial action.

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GLATFELTER

As of December 31, 2005, our portion of the escrow
account totaled approximately $15.6 million, of which
$7.2  million  is  recorded  in  the  accompanying
Consolidated Balance Sheet under the caption ""Prepaid
expenses and other current assets'' and $8.4 million is
included  under  the  caption  ""Other  assets.''  As  of
December  31,  2005,  our  reserve  for  environmental
liabilities,  substantially  all  of  which  is  for  OU1
remediation activities, totaled $16.8 million.

OUs  3 Ì 5  On  July  28,  2003,  the  EPA  and  the
Wisconsin DNR issued a ROD (the ""Second ROD'')
for the cleanup of OU3 Ì 5. The Second ROD calls for
the removal of 6.5 million cubic yards of sediment and
certain monitoring at an estimated cost of $324.4 million
but could, according to the Second ROD, cost within a
range 
to
$486.6 million. The most significant component of the
estimated  costs  is  attributable  to  large-scale  sediment
removal by dredging.

from  approximately  $227.0  million 

During  the  first  quarter  of  2004,  NCR  Corp.  and
Georgia  Pacific  Corp.  entered  into  an  AOC  with  the
United States EPA under which they agreed to perform
the  Remedial  Design 
thereby
accomplishing a first step towards remediation.

for  OUs  3-5, 

We  do  not  believe  that  we  have  more  than  a  de
minimis  share  of  any  equitable  distribution  of
responsibility for OU3Ó5 after taking into account the
location of our Neenah facility relative to the site and
considering other work or funds committed or expended
by  us.  However,  uncertainty  regarding  responsibilities
for  the  cleanup  of  these  sites  continues  due  to
disagreement over a fair allocation or apportionment of
responsibility.

Natural  Resource  Damages

The  ROD  and
Second  ROD  do  not  place  any  value  on  claims  for
NRDs  associated  with  this  matter.  As  noted  above,
NRD  claims  are  distinct  from  costs  related  to  the
primary remediation of a Superfund site. Calculating the
value  of  NRD  claims  is  difficult,  especially  in  the
absence  of  a  completed  remedy  for  the  underlying
contamination.  The  State  of  Wisconsin,  the  United
States  Fish  and  Wildlife  Service  (""FWS''),  the
National  Oceanic  and  Atmospheric  Administration
(""NOAA''),  four  Indian  tribes  and  the  Michigan
Attorney General have asserted that they possess NRD
claims related to the lower Fox River and the Bay of
Green Bay.

In  June  1994,  FWS  notified  the  then-identified
PRPs that it considered them potentially responsible for
NRDs.  The  federal,  tribal  and  Michigan  agencies
claiming to be NRD trustees have proceeded with the
preparation  of  an  NRD  assessment.  While  the  final

assessment has yet to be completed, the federal trustees
released a plan on October 25, 2000 that values NRDs
for  injured  natural  resources  that  allegedly  fall  under
their trusteeship between $176 million and $333 million.
We  believe  that  the  federal  NRD  assessment  is
technically  and  procedurally  flawed.  We  also  believe
that  the  NRD  claims  alleged  by  the  various  alleged
trustees are legally and factually without merit.

The OU1 Consent Decree required that Glatfelter
and WTM I each pay the governments $1.5 million for
NRDs for the Fox River site, and $150,000 for NRD
assessment costs. Each of these payments was made in
return  for  credit  to  be  applied  toward  each  settling
company's potential liability for NRDs associated with
the Fox River site.

Other  Information

The  Wisconsin  DNR  and
FWS  have  each  published  studies,  the  latter  in  draft
form,  estimating  the  amount  of  PCBs  discharged  by
each identified PRP to the lower Fox River and the Bay
of  Green  Bay.  These  reports  estimate  our  Neenah
facility's share of the volumetric discharge to be as high
as 27%. We do not believe the volumetric estimates used
in  these  studies  are  accurate  because  (a)  the  studies
themselves  disclose  that  they  are  not  accurate  and
(b)  the  volumetric  estimates  contained  in  the  studies
are  based  on  assumptions  that  are  unsupported  by
existing  evidence.  We  believe  that  our  volumetric
contribution is significantly lower than the estimates set
forth in these studies. Further, we do not believe that a
volumetric  allocation  would  constitute  an  equitable
distribution  of 
the
the  potential 
contamination.  Other  factors,  such  as  the  location  of
contamination, the location of discharge and a party's
role in causing discharge must be considered in order for
the allocation to be equitable.

liability 

for 

We  have  entered  into  interim  cost-sharing
agreements  with  four  of  the  other  PRPs,  pursuant  to
which  such  PRPs  have  agreed  to  share  both  defense
costs  and  costs  for  scientific  studies  relating  to  PCBs
discharged into the lower Fox River. These interim cost-
sharing  agreements  have  no  bearing  on  the  final
allocation of costs related to this matter. Based upon our
evaluation of the magnitude, nature and location of the
various  discharges  of  PCBs  to  the  river  and  the
relationship  of 
identified
contamination,  we  believe  our  share  of  any  liability
among the identified PRPs is much less than our per
capita share of the cost sharing agreement.

those  discharges 

to 

We also believe that there exist additional potentially
responsible parties other than the identified PRPs. For
instance, certain of the identified PRPs discharged their
wastewater  through  public  wastewater  treatment

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GLATFELTER

facilities, which we believe makes the owners of such
facilities potentially responsible in this matter. We also
believe  that  entities  providing  wastepaper-containing
PCBs to each of the recycling mills are also potentially
responsible for this matter.

While the OU1 Consent Decree clarifies the extent
of the exposure that we may have with regard to the Fox
River site, it does not completely resolve our potential
liability related to this matter. We continue to believe
that  this  matter  may  result  in  litigation,  but  cannot
predict the timing, nature, extent or magnitude of such
litigation.  We  currently  are  unable  to  predict  our
ultimate cost related to this matter.

Reserves  for  Fox  River  Environmental  Liabilities
We  have  reserves  for  environmental  liabilities  with
contractual  obligations  and  for  those  environmental
matters  for  which  it  is  probable  that  a  claim  will  be
made, that an obligation may exist, and for which the
amount of the obligation is reasonably estimable. The
following table summarizes information with respect to
such reserves.

In millions

Recorded as:

Environmental liabilities

Other long-term liabilities

Total

December 31,
2004
2005

$ 7.6

$ 7.7

9.2

13.9

$16.8

$21.6

The classification of our environmental liabilities is
based on the development of the underlying Fox River
OU1  remediation  plan  and  execution  of  the  related
escrow agreement for the funding thereof. The reserve
balance declined as a result of payments associated with
remediation activities under the OU1 Consent Decree
and items related to the Fox River matter. We did not
record charges associated with the Fox River matter to
our results of operations during 2005, 2004 or 2003.

Other than with respect to the OU1 Consent Decree,
the  amount  and  timing  of  future  expenditures  for
environmental  compliance,  cleanup,  remediation  and
personal injury, NRDs and property damage liabilities
cannot be ascertained with any certainty due to, among
other  things,  the  unknown  extent  and  nature  of  any
contamination, 
timing  of  any
the  extent  and 
technological  advances  for  pollution  abatement,  the
response actions that may be required, the availability of
qualified  remediation  contractors,  equipment,  and
landfill space, and the number and financial resources of
any other PRPs.

Range of Reasonably Possible Outcomes

Based
on  currently  available  information,  including  actual
remediation costs incurred to date, we believe that the

remediation of OU1 can be satisfactorily completed for
the amounts provided under the OU1 Consent Decree.
Our  assessment  is  dependent,  in  part,  on  government
approval of the use of alternative remedies in OU1, on
the  successful  negotiation  of  acceptable  contracts  to
complete  remediation  activities,  and  an  effective
implementation  of  the  chosen  technologies  by  the
remediation contractor.

The OU1 Consent Decree does not address response
costs necessary to remediate the remainder of the Fox
River  site  and  only  addresses  NRDs  and  claims  for
reimbursement  of  government  expenses  to  a  limited
extent.  Due  to  judicial  interpretations  that  find
liability,
CERCLA 
uncertainty persists regarding our exposure with respect
to the remainder of the Fox River site.

joint  and  several 

imposes 

Based  on  our  analysis  of  currently  available
information  and  experience  regarding  the  cleanup  of
hazardous  substances,  we  believe  that  it  is  reasonably
possible  that  our  costs  associated  with  the  lower  Fox
River and the Bay of Green Bay may exceed our original
reserves by amounts that may prove to be insignificant
or  that  could  range,  in  the  aggregate,  up  to
approximately  $125  million,  over  a  period  that  is
undeterminable but that could range beyond 20 years.
We  believe  that  the  likelihood  of  an  outcome  in  the
upper  end  of  the  monetary  range  is  significantly  less
than other possible outcomes within the range and that
the possibility of an outcome in excess of the upper end
of the monetary range is remote.

In our estimate of the upper end of the range, we
have considered: (i) the remedial actions agreed to in
the  OU1  Consent  Decree  and  our  belief  that  the
required work can be accomplished with the funds to be
escrowed under the OU1 Consent Decree; and (ii) no
active  remediation  of  OU2.  We  have  also  assumed
dredging for the remainder of the Fox River site as set
forth  in  the  Second  ROD,  although  at  a  significantly
higher  cost  than  estimated  in  the  Second  ROD.  We
have also assumed our share of the ultimate liability to
be 18%, which is significantly higher than we believe is
appropriate or than we will incur, and a level of NRD
claims and claims for reimbursement of expenses from
other  parties  that,  although  reasonably  possible,  is
unlikely.

In  estimating  both  our  current  reserves  for
environmental  remediation  and  other  environmental
liabilities and the possible range of additional costs, we
have assumed that we will not bear the entire cost of
remediation  and  damages  to  the  exclusion  of  other
known  PRPs  who  may  be  jointly  and  severally  liable.
The ability of other PRPs to participate has been taken

- 48 -

GLATFELTER

into account, generally based on their financial condition
and probable contribution. Our evaluation of the other
PRPs'  financial  condition  included  the  review  of
publicly  available  financial  information.  Furthermore,
we  believe  certain  of  these  PRPs  have  corporate  or
contractual  relationships  with  additional  entities  that
may shift to those entities some or all of the monetary
obligations arising from the Fox River site. The relative
probable contribution is based upon our knowledge that
at least two PRPs manufactured the paper, and arranged
for  the  disposal  of  the  wastepaper,  that  included  the
PCBs and consequently, in our opinion, bear a higher
level of responsibility.

In  addition,  our  assessment  is  based  upon  the
magnitude, nature and location of the various discharges
of  PCBs  to  the  river  and  the  relationship  of  those
discharges to identified contamination. We continue to
evaluate  our  exposure  and  the  level  of  our  reserves,
including, but not limited to, our potential share of the
costs and NRDs, if any, associated with the Fox River
site.

Over  the  past  two  years  we  have  collected
approximately $53.0 million of proceeds under insurance
policies covering the Fox River matter. Any additional
recoveries are expected to be insignificant.

Summary

Our  current  assessment  is  that  we
should be able to manage these environmental matters
without  a  long-term,  material  adverse  impact  on  the
Company.  These  matters  could,  however,  at  any
particular time or for any particular year or years, have a
material  adverse  effect  on  our  consolidated  financial
position, liquidity and/or results of operations or could
result in a default under our loan covenants. Moreover,
there  can  be  no  assurance  that  our  reserves  will  be
adequate  to  provide  for  future  obligations  related  to
these matters, that our share of costs and/or damages

for these matters will not exceed our available resources,
or  that  such  obligations  will  not  have  a  long-term,
material  adverse  effect  on  our  consolidated  financial
position, liquidity or results of operations. With regard to
the Fox River site, if we are not successful in managing
the implementation of the OU1 Consent Decree and/or
if we are ordered to implement the remedy proposed in
the  Second  ROD,  such  developments  could  have  a
material  adverse  effect  on  our  consolidated  financial
position,  liquidity  and  results  of  operations  and  may
result in a default under our loan covenants.

In addition to the specific matters discussed above,
we  are  subject  to  loss  contingencies  resulting  from
regulation  by  various  federal,  state,  local  and  foreign
governments with respect to the environmental impact
of  our  mills.  To  comply  with  environmental  laws  and
regulations,  we  have  incurred  substantial  capital  and
operating expenditures in past years. We anticipate that
environmental regulation of our operations will continue
to  become  more  burdensome  and  that  capital  and
operating  expenditures  necessary  to  comply  with
environmental  regulations  will  continue,  and  perhaps
increase,  in  the  future.  In  addition,  we  may  incur
obligations to remove or mitigate the adverse effects, if
any, on the environment resulting from our operations,
including  the  restoration  of  natural  resources  and
liability for personal injury and for damages to property
and natural resources.

We  are  also  involved  in  other  lawsuits  that  are
ordinary  and  incidental  to  our  business.  The  ultimate
outcome  of  these  lawsuits  cannot  be  predicted  with
certainty; however, we do not expect that such lawsuits
in  the  aggregate  or  individually  will  have  a  material
adverse  effect  on  our  consolidated  financial  position,
liquidity or results of operations.

- 49 -

GLATFELTER

20. SEGMENT AND GEOGRAPHIC INFORMATION

The following table sets forth profitability and other information by business unit for the year ended December 31:

In thousands

Net sales

Energy sales, net

Total revenue

Specialty Papers
2004

2005

2003

Long Fiber & Overlay
2004

2005

2003

Other and Unallocated
2004

2005

2003

Total
2004

2005

2003

$380,923 $337,436 $357,989 $198,137 $205,232 $165,389 $

61

$

856

$

9,815 $579,121 $543,524 $533,193

Cost of products sold

340,629

312,136

325,897

166,153

163,843

130,838

10,078

9,953

10,040

Ó

Ó

Ó

391,001

347,389

368,029

198,137

205,232

165,389

Ó

61

84

Ó

856

1,021

Ó

10,078

9,953

10,040

9,815

589,199

553,477

543,233

15,448

506,866

477,000

472,183

Gross profit

SG&A

Pension income

Restructuring recorded as
component of COS

Restructuring charges

Unusual items

Gains on dispositions of plant,
equipment and timberlands

Gain on insurance recoveries

50,372

39,876

35,253

36,617

42,132

44,494

31,984

21,282

41,389

23,067

34,551

16,669

(23)

(165)

(5,633)

8,149

1,660

125

82,333

69,307

76,477

61,344

71,050

61,288

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

Ó

(16,517)

(17,342) (17,149)

(16,517)

(17,342) (17,149)

Ó

Ó

1,564

20,375

6,511

6,983

Ó

Ó

11,501

Ó

1,564

20,375

6,511

6,983

Ó

11,501

(22,053)

(58,509) (32,334)

(22,053)

(58,509) (32,334)

(20,151)

(32,785)

Ó

(20,151)

(32,785)

Ó

Total operating income (loss)

10,496

(1,364)

(2,362)

10,702

18,322

17,882

48,985

Nonoperating income (expense)

Ó

Ó

Ó

Ó

Ó

Ó

(10,043)

86,436
18,730
70,183
(12,631) (13,834) (10,043)

103,394

34,250

(12,631) (13,834)

Income from continuing

operations before income taxes

$ 10,496 $ (1,364) $ (2,362) $ 10,702 $ 18,322 $ 17,882 $ 38,942 $ 73,805 $

4,896 $ 60,140 $ 90,763 $ 20,416

Supplemental Data

Plant, equipment and timberlands,

net

$335,745 $351,086 $377,182 $143,083 $169,326 $165,778

Depreciation expense

35,781

37,186

44,216

14,866

14,412

11,813

Ó

Ó

Ó

Ó

Ó

Ó

$478,828 $520,412 $542,960

50,647

51,598

56,029

Results  of  individual  business  units  are  presented
based  on  our  management  accounting  practices  and
management  structure.  There  is  no  comprehensive,
authoritative  body  of  guidance  for  management
accounting equivalent to accounting principles generally
accepted in the United States of America; therefore, the
financial  results  of  individual  business  units  are  not
necessarily comparable with similar information for any
other  company.  The  management  accounting  process
uses  assumptions  and  allocations 
to  measure
performance  of  the  business  units.  Methodologies  are
refined  from  time  to  time  as  management  accounting
practices are enhanced and businesses change. The costs
incurred by support areas not directly aligned with the
business  unit  are  allocated  primarily  based  on  an
estimated utilization of support area services.

Management evaluates results of operations before
non-cash pension income, restructuring related charges,

unusual items, effects of asset dispositions and insurance
recoveries because it believes this is a more meaningful
representation of the operating performance of its core
papermaking  businesses,  the  profitability  of  business
units and the extent of cash flow generated from core
operations. This presentation is closely aligned with the
management and operating structure of our company. It
is  also  on  this  basis  that  Company's  performance  is
evaluated  internally  and  by  the  Company's  Board  of
Directors.

We sell a significant portion of our specialty papers
through  wholesale  paper  merchants.  No  individual
customer  accounted  for  more  than  10%  of  our
consolidated net sales in 2005, 2004 or 2003.

- 50 -

GLATFELTER

Our net sales to external customers and location of net plant, equipment and timberlands are summarized below. Net

sales are attributed to countries based upon origin of shipment.

In thousands

United States
Germany
Other

Total

2005

Plant,
Equipment and
Timberlands Ì Net

$335,745
123,685
19,398

$478,828

2004

Plant,
Equipment and
Timberlands Ó Net

$351,086
149,513
19,813

$520,412

Net sales

$353,284
156,337
33,903

$543,524

Net sales

$399,705
143,227
36,189

$579,121

Net sales

$367,903
138,630
26,660

$533,193

21. QUARTERLY RESULTS (UNAUDITED)

In thousands, except per share

2005

2004

2005

2004

2005

2004

Net sales

Gross Profit

Net Income

2003

Plant,
Equipment and
Timberlands Ó Net

$377,182
147,651
18,127

$542,960

Diluted Earnings
Per Share

2005

2004

First
Second
Third
Fourth

$143,896
145,283
146,780
143,162

$132,078
129,029
143,075
139,342

$28,594
19,833
25,616
23,133

$20,499
16,042
27,042
28,831

$6,290
1,709
3,663
26,947

$36,258
(1,629)
2,199
19,274

$0.14
0.04
0.08
0.61

$0.83
(0.04)
0.05
0.44

The information set forth above includes the following, on an after-tax basis:

In thousands

First
Second
Third
Fourth

Restructuring Charges
and Unusual Items

2005

2004

Gains on Sales of
Plant, Equipment and
Timberlands, and
Other Asset Sales

2005

2004

$

Ó
Ó
Ó
(1,017)

$

Ó
(524)
(10,249)
(1,950)

$

Ó
Ó
259
11,517

$19,559
Ó
947
13,558

Insurance Recoveries
2004
2005

$

Ó
1,430
Ó
11,289

$15,221
181
5,908
Ó

22. SUBSEQUENT EVENTS

On February 21, 2006 we entered into a definitive
asset  purchase  agreement  with  NewPage  Corporation
and Chillicothe Paper Inc., a wholly owned subsidiary of
NewPage  Corporation  (the 
""Asset  Purchase
Agreement''),  to  acquire  certain  assets  and  assume
certain  liabilities  constituting  NewPage  Corporation's
carbonless and specialty papers business for $80 million
in cash. The business to be acquired includes a 440,000
tons per year paper making facility in Chillicothe, Ohio,
together  with  its  Fremont,  Ohio-based  coating
operations (collectively, ""Chillicothe''). Estimated 2005
totaled  approximately
revenue 
$440  million  and  Chillicothe  employees 
total
approximately 1,700.

for  Chillicothe 

The  transaction  is  subject  to  certain  customary
purchase price adjustments and closing conditions, all as
provided  for  in  the  Asset  Purchase  Agreement.  The
Company expects the transaction to close on or about
March 31, 2006.

The Chillicothe acquisition enables us to transfer our
Neenah facility's specialty grades to Chillicothe's highly
efficient  manufacturing  environment  and  rationalize
assets  that  are  no  longer  competitive.  As  part  of  the
planned  restructuring  program  in  connection  with  this
acquisition,  we  intend  to  move  production  from  the
Neenah mill to the Chillicothe facility. It is anticipated
the Neenah mill will be permanently shut down by June
2006,  contingent  on  the  successful  completion  of  the
Chillicothe transaction.

In  connection  with  the  planned  closure  of  the
Neenah  facility,  we  expect  to  record  related  charges
estimated  to  total  $60  million  to  $65  million.  The
charges are primarily related to asset writedowns and/or
accelerated  depreciation,  employee  termination  and
related benefits, and contract termination costs.

On  February  17,  2006,  as  part  of  our  Timberland
Strategy, we entered into an agreement to sell 282 acres
of  our  Delaware  timberlands  for  $7.1  million  in  cash.
The transaction is expected to close in the fourth quarter
of 2006.

- 51 -

GLATFELTER

On  March  8,  2006,  we  entered  into  two  separate
transactions to acquire certain assets of J R Crompton
Limited, a global supplier of wet laid nonwoven products
based  in  Manchester,  United  Kingdom.  Since
February 7, 2006, Crompton has been ordered to be in
Administration by The High Court of Justice Chancery
Division, Manchester District.

Under the terms of the first transaction, Glatfelter
acquired effective March 13, 2006, Crompton's Lydney
Mill, located in Gloucestershire, United Kingdom, for
GBP37.5  million  (US  $65.1  million).  The  facility
employs  about  240  people  and  had  2005  revenues  of
approximately GBP43 million (US $75 million).

The Lydney mill produces a broad portfolio of wet
laid nonwoven products, including tea and coffee filter

papers, clean room wipes, lens tissue, dye filter paper,
double-sided adhesive tape substrates, and battery grid
pasting tissue.

located 

Under the second transaction we agreed to purchase
Crompton's  Simpson  Clough  Mill, 
in
Lancashire, United Kingdom, and other related assets
for  GBP12.5  million  (US  $21.7  million),  subject  to
regulatory approval. The mill employs about 95 people
and 
approximately
revenues 
GBP16.2  million  (US  $28  million).  The  Simpson
Clough facility also manufactures a wide variety of wet
laid, nonwoven products.

2005 

had 

of 

- 52 -

GLATFELTER

ITEM 9A.

CONTROLS AND PROCEDURES 

Disclosure Controls and Procedures

Our chief executive officer and our chief financial
officer,  after  evaluating  the  effectiveness  of  our
disclosure  controls  and  procedures  (as  defined  in
Exchange Act Rules 13a-15(e) and 15d-15(e)), as of
December  31,  2005,  have  concluded  that,  as  of  the
evaluation date, our disclosure controls and procedures
were effective.

Internal Control Over Financial Reporting.

Management's  report  on  the  Company's  internal
control over financial reporting (as defined in Exchange
Act  Rules  13a-15(f)  and  15d-15(f))  and  the  related
report of our independent registered public accounting
firm  are  included  in  Item  8. Ì Financial  Statements
and Supplementary Data.

Changes in Internal Control over Financial Reporting

There were no changes in our internal control over
financial  reporting  during  the  three  months  ended
December 31, 2005, that have materially affected or are
reasonably likely to materially affect our internal control
over financial reporting. In the course of completing our
evaluation of internal control over financial reporting we
implemented certain changes and enhancements to our
controls.

PART III

ITEM 10.

DIRECTORS AND EXECUTIVE
OFFICERS OF THE REGISTRANT 

Directors

The  information  with  respect  to
directors required under this Item is incorporated herein
by reference to our Proxy Statement, to be dated on or
about  March  21,  2006.  Our  board  of  directors  has
determined that, based on the relevant experience of the
members  of  the  Audit  Committee,  the  members  are
audit  committee  financial  experts  as  this  term  is  set
forth in the applicable regulations of the SEC.

Executive  Officers  of  the  Registrant

The
information  with  respect  to  the  executive  officers

required under this Item is set forth  in Part I  of this
report.

We have adopted a Code of Business Ethics for the
CEO and Senior Financial Officers in compliance with
applicable  rules  of  the  Securities  and  Exchange
Commission that applies to our chief executive officer,
chief  financial  officer  and  our  principal  accounting
officer  or  controller,  or  persons  performing  similar
functions.  A  copy  of  the  Code  of  Ethical  Business
Conduct is filed as an exhibit to this Annual Report on
Form  10-K  and  is  available  on  our  website,  free  of
charge, at www.glatfelter.com.

ITEM 11.

EXECUTIVE COMPENSATION 

The  information  required  under  this  Item  is
incorporated  herein  by  reference  to  our  Proxy
Statement, to be dated on or about March 21, 2006.

ITEM 12.

SECURITY OWNERSHIP OF
CERTAIN BENEFICIAL OWNERS
AND MANAGEMENT 

The  information  required  under  this  Item  is
incorporated  herein  by  reference  to  our  Proxy
Statement, to be dated on or about March 21, 2006.

ITEM 13.

CERTAIN RELATIONSHIPS AND
RELATED TRANSACTIONS 

The  information  required  under  this  Item  is
incorporated  herein  by  reference  to  our  Proxy
Statement, to be dated on or about March 21, 2006.

ITEM 14.

PRINCIPAL ACCOUNTING FEES
AND SERVICES 

The  information  required  under  this  Item  is
incorporated  herein  by  reference  to  our  Proxy
Statement, to be dated on or about March 21, 2006.

Our  Chief  Executive  Officer  has  submitted  to  the
New York Stock Exchange a certificate certifying that
he is not aware of any violations by the Company of the
NYSE corporate governance listing standards.

- 53 -

GLATFELTER

PART IV

ITEM 15.

EXHIBITS AND FINANCIAL STATEMENT SCHEDULES.

(a) 1.

Our Consolidated Financial Statements as follows are included in Part II, Item 8:

i.
ii.
iii.
iv.

Consolidated Statements of Income for the Years Ended December 31, 2005, 2004 and 2003
Consolidated Balance Sheets as of December 31, 2005 and 2004
Consolidated Statements of Cash Flows for the Years Ended December 31, 2005, 2004 and 2003
Consolidated Statements of Shareholders' Equity for the Years Ended December 31, 2005, 2004 and
2003

v. Notes to Consolidated Financial Statements for the Years Ended December 31, 2005, 2004 and 2003

2.

Financial Statement Schedules (Consolidated) are included in Part IV:

i.

Schedule II -Valuation and Qualifying Accounts Ì For Each of the Three Years in the Period
Ended December 31, 2005

(b) Exhibit Index

Exhibit Number

Description of Documents

2 (a)

Amended and Restated Acquisition Agreement dated as of August 9, 2001 by and

among Purico (IOM) Limited, RF & Son Inc., RFS US Inc. and RFS Ecusta Inc.,
as Buyers, and P.H. Glatfelter Company and Mollanvick, Inc., as Sellers.

2 (b)

Asset Purchase Agreement, dated February 21, 2006, among NewPage Corporation,

Chillicothe Paper Inc. and P.H. Glatfelter Company

Exhibit

2

2.1

Incorporated by
Reference to
(Filing)

August 24, 2001
Form 8-K

February 21, 2006
Form 8-K

3 (a)

Articles of Amendment dated April 27, 1977, including restated Articles of

3(a)

1993 Form 10-K

Incorporation, as amended by:

i. Articles of Merger dated January 30, 1979

ii. Statement of Reduction of Authorized Shares dated May 12, 1980

iii. Statement of Reduction of Authorized Shares dated September 23, 1981

iv. Statement of Reduction of Authorized Shares dated August 2, 1982

v. Statement of Reduction of Authorized Shares dated July 29, 1983

vi. Articles of Amendment dated April 25, 1984

vii. Statement of Reduction of Authorized Shares dated October 15, 1984

viii. Statement of Reduction of Authorized Shares dated December 24, 1985

ix. Articles of Amendment dated April 23, 1986

x. Statement of Reduction of Authorized Shares dated July 11, 1986

xi. Statement of Reduction of Authorized Shares dated March 25, 1988

xii. Statement of Reduction of Authorized Shares dated November 9, 1988

xiii. Statement of Reduction of Authorized Shares dated April 24, 1989

xiv. Articles of Amendment dated November 29, 1990

xv. Articles of Amendment dated June 26, 1991

xvi. Articles of Amendment dated August 7, 1992

xvii. Articles of Amendment dated July 30, 1993

xviii. Articles of Amendment dated January 26, 1994

(b)

(c)

Articles of Incorporation, as amended through January 26, 1994 (restated for the

purpose of filing on EDGAR)

By-Laws as amended through April 27, 2005, filed herewith.

4 (a)

Indenture, dated as of July 22, 1997, between P. H. Glatfelter Company and The Bank

of New York, relating to the 67/8 Notes due 2007.

(b)

Registration Rights Agreement, dated as of July 22, 1997, among P. H. Glatfelter

Company, Bear, Stearns & Co. Inc. and BT Securities Corporation, relating to the 67/8
Notes due 2007.

3(a)

3(a)

3(a)

3(a)

3(a)

3(a)

3(b)

3(b)

3

3(b)

3(b)

3(b)

3(b)

3(b)

3(b)

3(b)

3(b)

3(b)

3(c)

4.1

4.3

1993 Form 10-K

1993 Form 10-K

1993 Form 10-K

1993 Form 10-K

1993 Form 10-K

1994 Form 10-K

1984 Form 10-K

1985 Form 10-K

March 31, 1986
Form 10-Q

1986 Form 10-K

1987 Form 10-K

1988 Form 10-K

1989 Form 10-K

1990 Form 10-K

1991 Form 10-K

1992 Form 10-K

1993 Form 10-K

1993 Form 10-K

1993 Form 10-K

Form S-4, Reg.
No. 333-36395

Form S-4, Reg.
No. 333-36395

10 (a)

P. H. Glatfelter Company Management Incentive Plan, adopted as of January 1, 1994,

10(a)

2000 Form 10-K**

as amended and restated December 19, 2000 and effective January 1, 2001.**

(b)

P. H. Glatfelter Company 2005 Management Incentive Plan, adopted as of April 27,

10.4

2005.**

April 27, 2005
Form 8-K

- 54 -

GLATFELTER

Exhibit Number

Description of Documents

Incorporated by
Reference to
(Filing)

Exhibit

(c)

(d)

(e)

(f)

(g)

P. H. Glatfelter Company Supplemental Executive Retirement Plan, as amended and

10(c)

2000 Form 10-K**

restated effective April 23, 1998 and further amended December 20, 2000.**

Description of Executive Salary Continuation Plan.**

P. H. Glatfelter Company Supplemental Management Pension Plan, effective as of

10(g)

10(f)

1990 Form 10-K**

1998 Form 10-K**

April 23, 1998.**

P. H. Glatfelter Company 1992 Key Employee Long-Term Incentive Plan, as amended

10(g)

2000 Form 10-K**

December 20, 2000.**

P. H. Glatfelter Company 2005 Long-Term Incentive Plan, adopted as of April 27,

2005.**

(g)

(A) Form of Top Management Restricted Stock Unit Award Certificate.**

(g)

(B) Form of Non-Employee Director Restricted Stock Unit Award Certificate**

10.1

10.2

10.3

April 27, 2005
Form 8-K

April 27, 2005
Form 8-K

April 27, 2005
Form 8-K

(h)

(i)

(j)

(j)

(k)

(l)

P. H. Glatfelter Company Deferred Compensation Plan for Directors, effective as of

10(h)

1998 Form 10-K**

April 22, 1998.**

Change in Control Employment Agreement by and between P. H. Glatfelter Company

and George H. Glatfelter II, dated as of December 31, 2005, filed herewith.**

Form of Change in Control Employment Agreement by and between P. H. Glatfelter
Company and certain employees, dated as of December 31, 2005, filed herewith.**

(A) Schedule of Change in Control Employment Agreements, filed herewith.**

Agreement between the State of Wisconsin and Certain Companies Concerning the Fox
River, dated as of January 31, 1997, among P. H. Glatfelter Company, Fort Howard
Corporation, NCR Corporation, Appleton Papers Inc., Riverside Paper Corporation,
U.S. Paper Mills, Wisconsin Tissue Mills Inc. and the State of Wisconsin.

Credit Agreement, dated as of June 24, 2002, among P. H. Glatfelter Company, various
subsidiary borrowers, Deutsche Bank AG New York Branch, as Agent, and various
lending institutions with Deutsche Bank Securities Inc., as Lead Arranger and Book
Runner.

10(i)

1996 Form 10-K

10.1

June 30, 2002
Form 10-Q

(m)

Increase in Commitments and Lender Addition Agreement

(n)

(o)

Contract for the Purchase and Bargain Sale of Property (exhibits omitted)

Term Loan Agreement, dated as of March 21, 2003, among GPW Timberlands, LLC,
(a wholly owned subsidiary of the Registrant) and Suntrust Bank, as Administrative
Agent.

10.1

10(o)

10.3

(p)

Consent Decree for Remedial Design and Remedial Action at Operable Unit 1 of the

10.2

Lower Fox River and Green Bay site by and among the United States of America and
the State of Wisconsin v. P. H. Glatfelter Company and WTMI Company (f/k/a
Wisconsin Tissue Mills, Inc.)

Compensatory Arrangements with Certain Executive Officers, filed herewith.**

Summary of Non-Employee Director Compensation, (effective January 1, 2005).**

10.1

September 30,
2002 Form 10Q

2002 Form 10-K

March 31, 2003
Form 10-Q

October 1, 2003
Form 8-K/A Ì
No. 1

December 15,
2004 Form 8-K

Manager Service Contract between the Registrant (through a wholly owned subsidiary)

10(w)

2004 Form 10-K

and Werner Ruckenbrod.**

Retirement Pension Agreement between the Registrant (through a wholly owned

10(x)

2004 Form 10-K

subsidiary) and Werner Ruckenbrok, filed herewith.**

Arbitration Agreement between the Registrant (through a wholly owned subsidiary) and

10(y)

2004 Form 10-K

Werner Ruckenbrod, filed herewith.**

Code of Business Ethics for the CEO and Senior Financial Officers of Glatfelter.

14

2003 Form 10-K

Subsidiaries of the Registrant, filed herewith.

Consent of Independent Registered Public Accounting Firm, filed herewith.

Certification of George H. Glatfelter II, Chairman and Chief Executive Officer of
Glatfelter, pursuant to Section 302(a) of the Sarbanes-Oxley Act Of 2002, filed
herewith.

Certification of John C. van Roden, Jr., Executive Vice President and Chief Financial

Officer of Glatfelter, pursuant to Section 302(a) of the Sarbanes-Oxley Act Of 2002,
filed herewith.

- 55 -

GLATFELTER

(q)

(r)

(s)

(t)

(u)

14

21

23

31.1

31.2

Exhibit Number

Description of Documents

Incorporated by
Reference to
(Filing)

Exhibit

32.1

32.2

Certification of George H. Glatfelter II, Chairman and Chief Executive Officer of

Glatfelter, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C.
Section 1350, filed herewith.

Certification of John C. van Roden, Jr., Executive Vice President and Chief Financial
Officer of Glatfelter, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002,
18 U.S.C. Section 1350, filed herewith.

** Management contract or compensatory plan

- 56 -

GLATFELTER

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly

caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

March 13, 2006

P. H. GLATFELTER COMPANY
(Registrant)

By /s/ George H. Glatfelter II

George H. Glatfelter II
Chairman and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the

following persons on behalf of the Registrant in the capacities and on the dates indicated:

Date

Signature

Capacity

March 13, 2006

/s/ George H. Glatfelter II

Principal Executive Officer and Director

George H. Glatfelter II
Chairman and Chief Executive Officer

March 13, 2006

/s/ John C. van Roden, Jr.

Principal Financial Officer

John C. van Roden, Jr.
Executive Vice President and
Chief Financial Officer

March 13, 2006

/s/ John P. Jacunski

Controller

John P. Jacunski
Vice President and Corporate Controller

March 13, 2006

/s/ Kathleen A. Dahlberg

Kathleen A. Dahlberg

March 13, 2006

/s/ Nicholas DeBenedictis

Nicholas DeBenedictis

March 13, 2006

/s/ Richard C. Ill

March 13, 2006

Richard C. Ill

/s/ J. Robert Hall
J. Robert Hall

March 13, 2006

/s/ Ronald J. Naples

Ronald J. Naples

March 13, 2006

/s/ Richard L. Smoot

Richard L. Smoot

March 13, 2006

/s/ Lee C. Stewart

Lee C. Stewart

Director

Director

Director

Director

Director

Director

Director

- 57 -

GLATFELTER

CERTIFICATION PURSUANT TO SECTION 302 (a) OF THE SARBANES-OXLEY ACT OF 2002

I, George H. Glatfelter II, certify that:

1.

I  have  reviewed  this  Annual  Report  on  Form  10-K  for  the  year  ended  December  31,  2005  of  P.H.  Glatfelter
Company (""Glatfelter'');

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a
material fact necessary to make the statements made, in light of the circumstances under which such statements were
made, not misleading with respect to the period covered by this report;

3. Based  on  my  knowledge,  the  financial  statements,  and  other  financial  information  included  in  this  report,  fairly
present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and
for, the periods presented in this report.

4. Glatfelter's other certifying officer and I are responsible for establishing and maintaining disclosure controls and
procedures  (as  defined  in  Exchange  Act  Rules  13a-15(e)  and  15d-15(e))  and  internal  control  over  financial
reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for Glatfelter and have:

(a) Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be
designed  under  our  supervision,  to  ensure  that  material  information  relating  to  Glatfelter,  including  its
consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in
which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to
be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting
and  the  preparation  of  financial  statements  for  external  purposes  in  accordance  with  generally  accepted
accounting principles;

(c) Evaluated the effectiveness of Glatfelter's disclosure controls and procedures and presented in this report our
conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered
by this report based on such evaluation; and

(d) Disclosed in this report any change in Glatfelter's internal control over financial reporting that occurred during
Glatfelter's  most  recent  fiscal  quarter  (the  fourth  fiscal  quarter  in  the  case  of  an  annual  report)  that  has
materially  affected,  or  is  reasonably  likely  to  materially  affect,  Glatfelter's  internal  control  over  financial
reporting; and

5. Glatfelter's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over

financial reporting, to Glatfelter's auditors and the audit committee of the Glatfelter's board of directors:

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial
reporting which are reasonably likely to adversely affect Glatfelter's ability to record, process, summarize and
report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in

Glatfelter's internal control over financial reporting.

Date: March 13, 2006

By: /s/ George H. Glatfelter II
George H. Glatfelter II
Chairman and Chief Executive

Officer

- 58 -

GLATFELTER

CERTIFICATION PURSUANT TO SECTION 302 (a) OF THE SARBANES-OXLEY ACT OF 2002

I, John C. van Roden, Jr., certify that:

1.

I  have  reviewed  this  Annual  Report  on  Form  10-K  for  the  year  ended  December  31,  2005  of  P.H.  Glatfelter
Company (""Glatfelter'');

2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a
material fact necessary to make the statements made, in light of the circumstances under which such statements were
made, not misleading with respect to the period covered by this report;

3. Based  on  my  knowledge,  the  financial  statements,  and  other  financial  information  included  in  this  report,  fairly
present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and
for, the periods presented in this report;

4. Glatfelter's other certifying officer and I are responsible for establishing and maintaining disclosure controls and
procedures  (as  defined  in  Exchange  Act  Rules  13a-15(e)  and  15d-15(e))  and  internal  control  over  financial
reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for Glatfelter and have:

(a) Designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be
designed  under  our  supervision,  to  ensure  that  material  information  relating  to  Glatfelter,  including  its
consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in
which this report is being prepared;

(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to
be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting
and  the  preparation  of  financial  statements  for  external  purposes  in  accordance  with  generally  accepted
accounting principles;

(c) Evaluated the effectiveness of Glatfelter's disclosure controls and procedures and presented in this report our
conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered
by this report based on such evaluation; and

(d) Disclosed in this report any change in Glatfelter's internal control over financial reporting that occurred during
Glatfelter's  most  recent  fiscal  quarter  (the  fourth  fiscal  quarter  in  the  case  of  an  annual  report)  that  has
materially  affected,  or  is  reasonably  likely  to  materially  affect,  Glatfelter's  internal  control  over  financial
reporting; and

5. Glatfelter's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over

financial reporting, to Glatfelter's auditors and the audit committee of the Glatfelter's board of directors:

(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial
reporting which are reasonably likely to adversely affect Glatfelter's ability to record, process, summarize and
report financial information; and

(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in

Glatfelter's internal control over financial reporting.

Date: March 13, 2006

By: /s/ John C. van Roden, Jr.
John C. van Roden, Jr.
Executive Vice President and
Chief Financial Officer

- 59 -

GLATFELTER

P. H. GLATFELTER COMPANY AND SUBSIDIARIES
SUPPLEMENTAL FINANCIAL STATEMENT SCHEDULE

For Each of the Three Years in the Period Ended December 31, 2005
Valuation and Qualifying Accounts

Allowance For

Schedule II

In thousands

Balance, beginning of year
Other(a)
Provision
Write-offs, recoveries and

discounts allowed

2005

$ 2,364
(89)
382

Doubtful Accounts
2004

$ 3,115
24
868

2003

$2,211
168
1,098

Sales Discounts and Deductions
2004

2003

2005

$ 2,217
(249)
2,788

$ 2,038
162
3,964

$ 1,662
266
1,604

(1,726)

(1,643)

(362)

(2,711)

(3,947)

(1,494)

Balance, end of year

$

931

$ 2,364

$3,115

$ 2,045

$ 2,217

$ 2,038

The provision for doubtful accounts is included in administrative expense and the provision for sales discounts and

deductions is deducted from sales. The related allowances are deducted from accounts receivable.

(a) Relates primarily to changes in currency exchange rates.

- 60 -

GLATFELTER

coreV A L U E

V A L U E S

O U R   C O R E   VA L U E S

Integrity

Respect for Coworkers

Environmental Responsibility

We are ethical and responsible in 
all of our business endeavors, all 
the time.

Financial Discipline

We are responsible for the 
prudent management of the 
resources entrusted to us and for 
the generation of fi nancial value 
for all constituents.

We treat each other with honesty 
and respect. We recognize that 
what we have and what we will 
achieve is through the efforts of 
our employees. We will strive to 
provide them with rewarding 
challenges and opportunities 
for advancement.

We recognize that our business 
impacts the environment. We 
are committed to continuous 
environmental improvement 
and the prevention of pollution. 
We will be in compliance with 
all environmental laws and 
regulations.

Customer Focus

Social Responsibility

We are dedicated to understanding 
and anticipating the needs of our 
customers and helping them to 
achieve their business objectives.

We recognize our responsibility 
to contribute to the betterment 
of the communities in which we 
operate and the world in which 
we live.

E X E C U T I V E   O F F I C E R S

D I R E C T O R S

I N F O R M AT I O N

George H. Glatfelter II
Chairman and 
Chief Executive Offi cer

Dante C. Parrini
Executive Vice President and 
Chief Operating Offi cer

John C. van Roden, Jr.
Executive Vice President and 
Chief Financial Offi cer

John P. Jacunski
Vice President and
Corporate Controller

Kathleen A. Dahlberg
Founder and President/CEO
Open Vision Partners

Nicholas DeBenedictis
Chairman and Chief Executive Offi cer
Aqua America Corporation

George H. Glatfelter II
Chairman and 
Chief Executive Offi cer

J. Robert Hall
Chief Executive Offi cer
Ardale Enterprises, LLC

World Headquarters
P.H. Glatfelter Company
96 S. George Street
Suite 500
York, PA 17401
ph: 717-225-4711
fax: 717-846-7208
www.glatfelter.com

Stock Exchange
New York Stock Exchange

Stock Symbol
GLT

Jeffrey J. Norton
Vice President, General Counsel
and Secretary

Richard C. Ill
President and Chief Executive Offi cer
Triumph Group, Inc.

Werner A. Ruckenbrod
Vice President
Long Fiber & Overlay Papers

Ronald J. Naples
Chairman and Chief Executive Offi cer
Quaker Chemical Corporation

Mark A. Sullivan
Vice President
Global Supply Chain

William T. Yanavitch II
Vice President 
Human Resources
and Administration

Richard L. Smoot
Retired Regional Chairman
PNC Bank, NA
Philadelphia/South Jersey Markets

Lee C. Stewart
Investment Banker
Daniel Stewart & Company

Annual Meeting of Shareholders
April 26, 2006
10:00am EST
York Expo Center
334 Carlisle Avenue
York, PA 

Transfer Agent, Dividend 
Disbursing Agent and Registrar
Mellon Investor Services, LLC
85 Challenger Road
Ridgefi eld Park, NJ 07660
ph: 800-756-3353

Information Sources
For the latest quarterly business 
results or other information, visit 
www.glatfelter.com or contact:

Investor Relations
P.H. Glatfelter Company
96 S. George Street
Suite 500
York, PA 17401
ph: 717-225-4711
E-mail: ir@glatfelter.com

S A L E S   O F F I C E S

Pennsylvania
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-5400

New Jersey
1085 Morris Avenue, 2nd Floor
Union, NJ 07083
ph: 908-289-6644
ph: 212-752-3560
fax: 908-289-1393

Wisconsin
225 W. Wisconsin Avenue
Neenah, WI 54956
ph: 920-727-2200
fax: 920-727-2305

North Carolina
One King Road
Pisgah Forest, NC 28768
ph: 828-877-2110
fax: 828-877-4086

Gernsbach, Germany
Hördner Landstraße 3-7
76593 Gernsbach, Germany
ph: 49-7224-66-0
fax: 49-7224-66-274

U . S .  O P E R AT I N G 
L O C AT I O N S

I N T E R N AT I O N A L
O P E R AT I N G   L O C AT I O N S

Spring Grove Facility
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-6834

Neenah Facility
225 W. Wisconsin Avenue
Neenah, WI 54956
ph: 920-727-2200
fax: 920-727-2600

Glatfelter Pulp Wood Company
228 South Main Street
Spring Grove, PA 17362
ph: 717-225-4711
fax: 717-225-2850

Gernsbach Facility
Hördner Landstraße 3-7
76593 Gernsbach, Germany
ph: 49-7224-66-0
fax: 49-7224-66-274

Scaër Facility
BP 2
29390 Scaër, France
ph: 33-0-2-98-66-42-00
fax: 33-2-98-59-0998

Lanao del Norte Facility
Bo. Maria Cristina
9217 Balo-I, Lanao del Norte
Philippines
ph: 632-893-7640
fax: 632-893-2819

O T H E R   L O C AT I O N S

China Representative Offi ce
Century Financial Tower, 8F808
No 1 Suhua Road
Suzhou-SIP, Jiangsu 215021
ph: 86-512-676-25077
fax: 86-512-676-25070

www.glatfelter.com

© 2006 Glatfelter

®

2 0 0 5   A N N U A L   R E P O R T