UNITED STATES
                           SECURITIES AND EXCHANGE COMMISSION
                                     WASHINGTON, D.C. 20549

                                              Form 13F

                                     Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:   December 31, 2002

Check here if Amendment [ ]: Amendment Number:

This Amendment (Check only one): [] is a restatement

                                [  ] adds new holdings entries

Institutional Investment Manager Filing this Report:

Name:       First Commonwealth Financial Corporation
Address:   22 North Sixth Street
           Indiana, PA, 15701

Form 13F File Number:28-05151

The institutional investment manager filing this report and the person
by whom it is signed hereby represent that the person signing the report is
authorized to submit it, that all information contained herein is true,
correct and complete, and it is understood that all required items,
statements, schedules, lists, and tables, are considered integral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:      John J. Dolan
Title:     Executive Vice President and Chief Financial Officer
Phone:     (724) 349-7220

Signature,Place, and Date of Signing:

/s/ John. J. Dolan

John J. Dolan,     Indiana, PA,  February 14, 2003

Report Type(check only one) :

     [x] 13F HOLDINGS REPORT (Check here if all holdings of this reporting
                     manager are reported in this report

     [ ] 13F NOTICE (Check here if no holdings reported are in this report,
        and all holdings are reported by other reporting manager(s))

     [ ] 13F COMBINATION REPORT (Check here if a portion of the holdings
         for this reporting manager are reported in this report and a
         portion are reported by other reporting manager(s).)



                                 Form 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:  1

Form 13F Information Table Entry Total: 198

Form 13F Information Table Value Total: $128,135    (thousands)

List of Other Included Managers:

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

Number:   1

Form 13F File Number:28-05153

Name:    First Commonwealth Trust Company





                                            FORM 13F INFORMATION TABLE


            COLUMN  1               COL 2     COL 3     COL 4        COLUMN 5       COL 6     COL 7         COLUMN 8
                                    TITLE               MARKET
                                      OF                VALUE    SHS OR  SH/ PUT/ INVESTMENT  OTHER                 VOTING AUTHORI
ISSUER                              CLASS      CUSIP  (X$1000)  PRN AMT  PRN CALL DISCRETION MANAGERS   SOLE     SHARED    NONE
                                                                                        


3M CO                               Common  88579Y101      518     4,200 SH        DEFINED         1     4,200         0        0
3M CO                               Common  88579Y101      663     5,380 SH         OTHER          1     5,380         0        0
ALCOA INC.                          Common  013817101      391    17,150 SH        DEFINED         1    17,150         0        0
ALCOA INC.                          Common  013817101       81     3,550 SH         OTHER          1     3,550         0        0
ALLSTATE CORP                       Common  020002101      608    16,428 SH        DEFINED         1    16,428         0        0
ALLSTATE CORP                       Common  020002101      268     7,252 SH         OTHER          1     7,252         0        0
ALLTEL CORP                         Common  020039103      448     8,794 SH        DEFINED         1     6,863     1,931        0
ALLTEL CORP                         Common  020039103      376     7,366 SH         OTHER          1       500     6,866        0
AMERICAN EAGLE OUTFITTERS INC       Common  02553E106      160    11,625 SH        DEFINED         1    11,625         0        0
AMERICAN EAGLE OUTFITTERS INC       Common  02553E106        2       175 SH         OTHER          1       175         0        0
AMERICAN EXPRESS CO                 Common  025816109      238     6,742 SH        DEFINED         1     6,742         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107      866    14,968 SH        DEFINED         1    14,968         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107      103     1,781 SH         OTHER          1     1,781         0        0
AMGEN INC                           Common  031162100      769    15,899 SH        DEFINED         1    15,899         0        0
AMGEN INC                           Common  031162100       18       375 SH         OTHER          1       375         0        0
ANHEUSER BUSCH COS INC              Common  035229103    1,110    22,925 SH        DEFINED         1    22,925         0        0
ANHEUSER BUSCH COS INC              Common  035229103       80     1,650 SH         OTHER          1     1,650         0        0
AOL TIME WARNER INC                 Common  00184A105      402    30,658 SH        DEFINED         1    30,658         0        0
AOL TIME WARNER INC                 Common  00184A105       28     2,100 SH         OTHER          1     2,100         0        0
APACHE CORP                         Common  037411105      438     7,690 SH        DEFINED         1     7,690         0        0
APACHE CORP                         Common  037411105       14       250 SH         OTHER          1         0       250        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      579    14,752 SH        DEFINED         1    14,752         0        0
AUTOMATIC DATA PROCESSING INC       Common  053015103       94     2,400 SH         OTHER          1     2,400         0        0
BANK OF AMERICA CORP COM            Common  060505104      692     9,948 SH        DEFINED         1     9,948         0        0
BANK OF AMERICA CORP COM            Common  060505104       63       900 SH         OTHER          1       900         0        0
BELLSOUTH CORP                      Common  079860102      633    24,483 SH        DEFINED         1    24,083       400        0
BELLSOUTH CORP                      Common  079860102      111     4,275 SH         OTHER          1     4,075       200        0
BERKSHIRE SECURITIES                Common  084991868      972     5,400 SH        DEFINED         1     5,400         0        0
BEST BUY CO INC                     Common  086516101      339    14,050 SH        DEFINED         1    14,050         0        0
BICO INC COM                        Common  088766100        0   101,100 SH        DEFINED         1   101,100         0        0
BOEING CO                           Common  097023105      573    17,355 SH        DEFINED         1    17,355         0        0
BOEING CO                           Common  097023105       65     1,969 SH         OTHER          1     1,969         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      629    15,485 SH        DEFINED         1    15,485         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      289     7,101 SH         OTHER          1     6,099     1,002        0
BRISTOL MYERS SQUIB                 Common  110122108      263    11,359 SH        DEFINED         1    11,359         0        0
BRISTOL MYERS SQUIB                 Common  110122108       46     1,968 SH         OTHER          1     1,968         0        0
CARDINAL HEALTH INC                 Common  14149Y108      598    10,096 SH        DEFINED         1    10,096         0        0
CARDINAL HEALTH INC                 Common  14149Y108       55       922 SH         OTHER          1       922         0        0
CATERPILLAR INC                     Common  149123101      430     9,407 SH        DEFINED         1     9,407         0        0
CATERPILLAR INC                     Common  149123101       26       575 SH         OTHER          1       575         0        0
CHEVRON TEXACO CORP                 Common  166764100      311     4,680 SH        DEFINED         1     4,680         0        0
CHEVRON TEXACO CORP                 Common  166764100      176     2,651 SH         OTHER          1     2,251         0      400
CISCO SYSTEMS                       Common  17275R102      587    44,786 SH        DEFINED         1    44,786         0        0
CISCO SYSTEMS                       Common  17275R102      113     8,600 SH         OTHER          1     8,600         0        0
CITIGROUP INC COM                   Common  172967101      864    24,564 SH        DEFINED         1    24,564         0        0
CITIGROUP INC COM                   Common  172967101       70     1,992 SH         OTHER          1     1,490       502        0
CNB FINANCIAL CORP.                 Common  126128107      309     9,360 SH        DEFINED         1     9,360         0        0
CNB FINANCIAL CORP/PA               Common  126128107    1,540    46,678 SH        DEFINED              46,678         0        0
COMCAST CORP NEW                    Common  20030N101      143     6,059 SH        DEFINED         1     6,059         0        0
COMCAST CORP NEW                    Common  20030N101       81     3,444 SH         OTHER          1     2,939       387      118
CORNING INC COM                     Common  219350105       65    19,625 SH        DEFINED         1    19,625         0        0
CORNING INC COM                     Common  219350105        2       600 SH         OTHER          1       600         0        0
CROWN AMERICAN REALTY TRUST         Common  228186102      190    20,660 SH        DEFINED         1    20,660         0        0
CTC COMMUNICATIONS GROUP INC        Common  126419100        0    10,000 SH        DEFINED         1    10,000         0        0
DUPONT DE NEMOUR                    Common  263534109      514    12,127 SH        DEFINED         1    12,127         0        0
DUPONT DE NEMOUR                    Common  263534109      119     2,800 SH         OTHER          1     1,000     1,800        0
EL PASO CORPORATION COM             Common  28336L109       91    13,086 SH        DEFINED         1    13,086         0        0
EL PASO CORPORATION COM             Common  28336L109        1       100 SH         OTHER          1       100         0        0
EMBRYO DEVELOPMENT CORP COM         Common  290818103        0    15,000 SH        DEFINED         1    15,000         0        0
EMC CORP                            Common  268648102      119    19,425 SH        DEFINED         1    19,425         0        0
EMC CORP                            Common  268648102       11     1,850 SH         OTHER          1     1,850         0        0
EMERSON ELECTRIC CO                 Common  291011104       15       300 SH        DEFINED         1       300         0        0
EMERSON ELECTRIC CO                 Common  291011104      495     9,730 SH         OTHER          1     9,730         0        0
ESB FINANCIAL CORP                  Common  26884F102      264    20,400 SH        DEFINED              20,400         0        0
EXXON MOBIL CORP                    Common  30231G102    2,533    72,488 SH        DEFINED         1    72,488         0        0
EXXON MOBIL CORP                    Common  30231G102    2,045    58,529 SH         OTHER          1    30,809     7,720   20,000
F N B CORP PA                       Common  302520101       65     2,354 SH        DEFINED         1     2,354         0        0
F N B CORP PA                       Common  302520101      313    11,362 SH         OTHER          1    11,362         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      553     8,595 SH        DEFINED         1     8,595         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      116     1,800 SH         OTHER          1     1,800         0        0
FIRST BELL BANCORP INC              Common  319301107      238    11,200 SH        DEFINED              11,200         0        0
FIRST COLONIAL GROUP INC            Common  319734109    1,170    51,532 SH        DEFINED              51,532         0        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107   17,044 1,482,108 SH        DEFINED         1 1,473,762     8,346        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107    2,210   192,144 SH         OTHER          1   139,334     2,810   50,000
FLEXTRONICS INTL LTD                Common  Y2573F102      120    14,600 SH        DEFINED         1    14,600         0        0
FULTON FINANCIAL CORP               Common  360271100      850    48,150 SH        DEFINED              48,150         0        0
GA FINANCIAL INC                    Common  361437106    2,536   107,000 SH        DEFINED             107,000         0        0
GENERAL ELECTRIC                    Common  369604103    2,441   100,232 SH        DEFINED         1   100,232         0        0
GENERAL ELECTRIC                    Common  369604103    3,333   136,890 SH         OTHER          1   133,310     3,580        0
GENERAL MILLS INC                   Common  370334104      144     3,060 SH        DEFINED         1     3,060         0        0
GENERAL MILLS INC                   Common  370334104      176     3,740 SH         OTHER          1     3,740         0        0
HARLEY DAVIDSON INC                 Common  412822108      477    10,320 SH        DEFINED         1    10,320         0        0
HARLEY DAVIDSON INC                 Common  412822108       43       925 SH         OTHER          1       625       300        0
H. J. HEINZ COMPANY                 Common  423074103       63     1,930 SH        DEFINED         1     1,930         0        0
H. J. HEINZ COMPANY                 Common  423074103      319     9,699 SH         OTHER          1     9,699         0        0
IBT BANCORP INC IRWIN PA            Common  44923F108      122     5,853 SH          SOLE                5,853         0        0
INGERSOLL-RAND COMPANY LTD          Common  G4776G101      258     6,000 SH         OTHER          1     6,000         0        0
INTEL CORP                          Common  458140100      788    50,624 SH        DEFINED         1    50,624         0        0
INTEL CORP                          Common  458140100      117     7,500 SH         OTHER          1     7,500         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,542    19,891 SH        DEFINED         1    19,891         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,294    16,698 SH         OTHER          1    16,598       100        0
JACOBS ENGR GROUP INC               Common  469814107      434    12,205 SH        DEFINED         1    12,205         0        0
JACOBS ENGR GROUP INC               Common  469814107        7       200 SH         OTHER          1       200         0        0
JOHNSON & JOHNSON                   Common  478160104    1,237    23,026 SH        DEFINED         1    23,026         0        0
JOHNSON & JOHNSON                   Common  478160104      641    11,940 SH         OTHER          1    11,540       400        0
JUNIATA VALLEY FINANCIAL CORP.      Common  482016102      705    24,119 SH        DEFINED         1    24,119         0        0
KRAFT FOODS INC                     Common  50075N104      459    11,785 SH        DEFINED         1    11,785         0        0
KRAFT FOODS INC                     Common  50075N104       12       300 SH         OTHER          1       300         0        0
LENNAR CORP COM                     Common  526057104      407     7,895 SH        DEFINED         1     7,895         0        0
LENNAR CORP COM                     Common  526057104        5       100 SH         OTHER          1       100         0        0
LOWES COS INC                       Common  548661107      749    19,971 SH        DEFINED         1    19,971         0        0
LOWES COS INC                       Common  548661107      113     3,000 SH         OTHER          1     2,700       300        0
LUCENT TECHNOLOGIES INC             Common  549463107       16    13,091 SH        DEFINED         1    13,015        76        0
LUCENT TECHNOLOGIES INC             Common  549463107        4     3,467 SH         OTHER          1     3,187       280        0
MAGNITUDE INFORMATION SYS IN        Common  559534102       16   100,000 SH        DEFINED         1   100,000         0        0
MBNA CORP                           Common  55262L100      452    23,782 SH        DEFINED         1    23,782         0        0
MBNA CORP                           Common  55262L100      118     6,224 SH         OTHER          1     6,224         0        0
MCCORMICK & CO INC                  Common  579780206      257    11,075 SH        DEFINED         1    11,075         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      370    14,184 SH        DEFINED         1    14,184         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      226     8,653 SH         OTHER          1     5,008     3,645        0
MERCK & COMPANY INC                 Common  589331107    1,526    26,956 SH        DEFINED         1    26,956         0        0
MERCK & COMPANY INC                 Common  589331107    1,932    34,134 SH         OTHER          1    33,334       800        0
MERRILL LYNCH & CO                  Common  590188108      962    25,350 SH        DEFINED         1    25,350         0        0
MERRILL LYNCH & CO                  Common  590188108      133     3,500 SH         OTHER          1     3,500         0        0
MICROSOFT CORP                      Common  594918104      908    17,554 SH        DEFINED         1    17,554         0        0
MICROSOFT CORP                      Common  594918104      116     2,250 SH         OTHER          1     2,250         0        0
NATL PENN BCSHS INC                 Common  637138108      977    36,731 SH        DEFINED              36,731         0        0
NEW MEXICO BANQUEST                 Common  647991926      817     7,207 SH        DEFINED         1     7,207         0        0
NEW MEXICO BANQUEST                 Common  647991926       85       754 SH         OTHER          1       754         0        0
NEWELL RUBBERMAID INC               Common  651229106      233     7,668 SH        DEFINED         1     7,668         0        0
NEWELL RUBBERMAID INC               Common  651229106      187     6,156 SH         OTHER          1     6,156         0        0
NITTANY FINANCIAL CORP              Common  65480R102      200    12,100 SH          SOLE               12,100         0        0
NOBLE CORPORATION                   Common  G65422100      320     9,100 SH        DEFINED         1     9,100         0        0
NORTH PITTSBURGH SYS INC COM        Common  661562108    1,135    83,270 SH         OTHER          1    65,600     7,670   10,000
NOVELLUS SYSTEMS INC                Common  670008101      401    14,290 SH        DEFINED         1    14,290         0        0
OMEGA FINANCIAL CORP                Common  682092101    1,129    31,479 SH        DEFINED              31,479         0        0
ORACLE CORP                         Common  68389X105      472    43,718 SH        DEFINED         1    43,718         0        0
ORACLE CORP                         Common  68389X105       42     3,866 SH         OTHER          1     3,866         0        0
P P G INDUSTRIES INC                Common  693506107      455     9,067 SH        DEFINED         1     9,067         0        0
P P G INDUSTRIES INC                Common  693506107    1,576    31,424 SH         OTHER          1    25,574     5,850        0
PARKVALE FINANCIAL CORP             Common  701492100    2,677   116,100 SH        DEFINED             116,100         0        0
PENNROCK FINAN SERVICES CORP        Common  708352109      256     9,240 SH        DEFINED               9,240         0        0
PEPSICO INCORPORATED                Common  713448108    1,287    30,479 SH        DEFINED         1    30,479         0        0
PEPSICO INCORPORATED                Common  713448108      910    21,550 SH         OTHER          1    21,150       400        0
PFIZER INC                          Common  717081103    2,381    77,883 SH        DEFINED         1    77,883         0        0
PFIZER INC                          Common  717081103      853    27,899 SH         OTHER          1    27,899         0        0
PHILIP MORRIS CO                    Common  718154107      573    14,150 SH        DEFINED         1    14,150         0        0
PHILIP MORRIS CO                    Common  718154107    1,388    34,240 SH         OTHER          1    34,240         0        0
PNC BANK CORP                       Common  693475105      400     9,557 SH        DEFINED         1     9,007         0      550
PNC BANK CORP                       Common  693475105      126     3,000 SH         OTHER          1     3,000         0        0
PNC FINANCIAL SERVICES GROUP        Common  693475105    7,306   175,000 SH        DEFINED             175,000         0        0
PPL CORP COM                        Common  69351T106      381    11,000 SH        DEFINED         1    11,000         0        0
PPL CORP COM                        Common  69351T106      229     6,600 SH         OTHER          1     6,600         0        0
PRICE T ROWE GROUP INC              Common  74144T108      421    15,415 SH        DEFINED         1    15,415         0        0
PRICE T ROWE GROUP INC              Common  74144T108        4       150 SH         OTHER          1       150         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,808    21,038 SH        DEFINED         1    21,038         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,912    22,250 SH         OTHER          1    22,050       200        0
PRONTOCK BEER DISTRIBUTORS, INC     Common  693000994       94    18,750 SH        DEFINED         1    18,750         0        0
PUBLIC SERV ELEC GAS                Common  744573106       27       854 SH        DEFINED         1       854         0        0
PUBLIC SERV ELEC GAS                Common  744573106      214     6,680 SH         OTHER          1     6,680         0        0
QUALCOMM INC                        Common  747525103      297     8,175 SH        DEFINED         1     8,175         0        0
QUALCOMM INC                        Common  747525103       22       600 SH         OTHER          1       600         0        0
ROCKWELL COLLINS INC                Common  774341101      159     6,844 SH        DEFINED         1     6,844         0        0
ROCKWELL COLLINS INC                Common  774341101       63     2,688 SH         OTHER          1     2,688         0        0
ROYAL BANCSHARES OF PENN-A          Common  780081105    1,217    56,876 SH        DEFINED              56,876         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804      264     6,000 SH        DEFINED         1     6,000         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804       45     1,023 SH         OTHER          1     1,023         0        0
S & T BANCORP INC                   Common  783859101    2,548   101,701 SH        DEFINED             101,701         0        0
S & T BANCORP INC                   Common  783859101    3,116   124,383 SH        DEFINED         1   124,383         0        0
S & T BANCORP INC                   Common  783859101      570    22,741 SH         OTHER          1    22,741         0        0
SBC COMMUNICATIONS INC              Common  78387G103      566    20,886 SH        DEFINED         1    20,886         0        0
SBC COMMUNICATIONS INC              Common  78387G103      267     9,837 SH         OTHER          1     9,837         0        0
SCHERING-PLOUGH CORP                Common  806605101      219     9,877 SH        DEFINED         1     9,877         0        0
SCHLUMBERGER LTD                    Common  806857108      388     9,217 SH        DEFINED         1     9,217         0        0
SCHLUMBERGER LTD                    Common  806857108       62     1,484 SH         OTHER          1     1,384       100        0
SEARS,ROEBUCK & CO                  Common  812387108      278    11,625 SH        DEFINED         1    11,625         0        0
SEARS,ROEBUCK & CO                  Common  812387108       84     3,500 SH         OTHER          1     3,500         0        0
SOUTHWEST AIRLINES                  Common  844741108      238    17,151 SH        DEFINED         1    17,151         0        0
SOUTHWEST AIRLINES                  Common  844741108       17     1,212 SH         OTHER          1     1,012       200        0
ST JUDE MED INC COM                 Common  790849103      485    12,200 SH        DEFINED         1    12,200         0        0
SUN BANCORP INC                     Common  866634108      861    47,150 SH        DEFINED              47,150         0        0
SUNMICRO SYSTEMS                    Common  866810104       39    12,575 SH        DEFINED         1    12,575         0        0
SUNMICRO SYSTEMS                    Common  866810104       17     5,566 SH         OTHER          1     5,566         0        0
SUNOCO INC COM                      Common  86764P109      317     9,550 SH        DEFINED         1     9,550         0        0
SUSQUEHANNA BANC SHS                Common  869099101    1,089    52,242 SH        DEFINED         1    52,242         0        0
SUSQUEHANNA BANCSHARES INC          Common  869099101    2,261   108,500 SH        DEFINED             108,500         0        0
TARGET CORP                         Common  87612E106      845    28,150 SH        DEFINED         1    28,150         0        0
TARGET CORP                         Common  87612E106      139     4,625 SH         OTHER          1     4,625         0        0
TENET HEALTHCARE CORP               Common  88033G100      202    12,320 SH        DEFINED         1    12,320         0        0
TEXAS INSTRUMENTS INC               Common  882508104      146     9,710 SH        DEFINED         1     9,710         0        0
TEXAS INSTRUMENTS INC               Common  882508104       23     1,500 SH         OTHER          1     1,500         0        0
TYCO INTERNATIONAL LTD              Common  902124106      301    17,629 SH        DEFINED         1    17,629         0        0
TYCO INTERNATIONAL LTD              Common  902124106        4       250 SH         OTHER          1       175        75        0
UNION PACIFIC CORP                  Common  907818108      284     4,740 SH        DEFINED         1     4,740         0        0
UNION PACIFIC CORP                  Common  907818108        3        50 SH         OTHER          1         0        50        0
UPSIDE DEVELOPMENT INC COM          Common  91673P109        0    60,000 SH        DEFINED         1    60,000         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,775    45,797 SH        DEFINED         1    45,797         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,385    35,731 SH         OTHER          1    31,059     4,672        0
VIACOM INC. NEW                     Common  925524308      259     6,364 SH        DEFINED         1     6,364         0        0
VIACOM INC. NEW                     Common  925524308       18       452 SH         OTHER          1       452         0        0
VIRAGEN INC                         Common  927638106        1    10,000 SH        DEFINED         1    10,000         0        0
WACHOVIA CORP                       Common  929903102      631    17,306 SH        DEFINED         1    17,306         0        0
WAL-MART STORES INC                 Common  931142103    1,182    23,401 SH        DEFINED         1    23,401         0        0
WAL-MART STORES INC                 Common  931142103      104     2,050 SH         OTHER          1     2,050         0        0
WELLS FARGO & CO COM                Common  949746101      639    13,625 SH        DEFINED         1    13,625         0        0
WELLS FARGO & CO COM                Common  949746101       69     1,466 SH         OTHER          1     1,466         0        0
WYETH COM                           Common  983024100      336     8,979 SH        DEFINED         1     8,979         0        0
WYETH COM                           Common  983024100      191     5,100 SH         OTHER          1     5,100         0        0

GRAND TOTALS                                           128,135