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

                                    Form 13F

                              Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended: September 30, 2012

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:  Teresa M. Ciambotti
Title: Senior Vice President and Controller
Phone: (724) 463-4725

Signature, Place, and Date of Signing:


/s/ Teresa M. Ciambotti
Teresa M. Ciambotti,             Indiana, PA,   November 8, 2012

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: 154

Form 13F Information Table Value Total: $81,388 (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: 28-11893

Name: First Commonwealth Bank



                          FORM 13F INFORMATION TABLE



         COLUMN 1            COL 2    COL 3    COL 4       COLUMN 5       COL 6     COL 7          COLUMN 8
---------------------------- ------ --------- -------- ---------------- ---------- -------- ----------------------
                             TITLE             MARKET                                        VOTING
                              OF               VALUE   SHS OR  SH/ PUT/ INVESTMENT  OTHER   AUTHORITY
ISSUER                       CLASS    CUSIP   (X$1000) PRN AMT PRN CALL DISCRETION MANAGERS   SOLE    SHARED NONE
---------------------------- ------ --------- -------- ------- --- ---- ---------- -------- --------- ------ -----
                                                                            
3M CO                        COMMON 88579Y101    190     2,060 SH        DEFINED      1        1,090           970
3M CO                        COMMON 88579Y101     18       200 SH        OTHER        1          200
ABBOTT LABS                  COMMON 002824100  1,026    14,968 SH        DEFINED      1       13,889         1,079
ABBOTT LABS                  COMMON 002824100     78     1,132 SH        OTHER        1        1,132
AIR PRODS & CHEMS INC        COMMON 009158106    791     9,559 SH        DEFINED      1        9,559
AIR PRODS & CHEMS INC        COMMON 009158106     37       450 SH        OTHER        1          450
ALLSTATE CORP                COMMON 020002101    305     7,712 SH        DEFINED      1        7,712
ALLSTATE CORP                COMMON 020002101     25       634 SH        OTHER        1          634
AMERICAN EXPRESS CO          COMMON 025816109    660    11,605 SH        DEFINED      1       11,605
AMERICAN EXPRESS CO          COMMON 025816109     17       300 SH        OTHER        1          300
APACHE CORP                  COMMON 037411105    734     8,488 SH        DEFINED      1        7,918           570
APACHE CORP                  COMMON 037411105     70       814 SH        OTHER        1          450    364
APPLE INC                    COMMON 037833100  2,604     3,903 SH        DEFINED      1        3,685           218
APPLE INC                    COMMON 037833100    140       210 SH        OTHER        1          210
AT&T INC                     COMMON 00206R102  2,239    59,402 SH        DEFINED      1       56,816         2,586
AT&T INC                     COMMON 00206R102     89     2,350 SH        OTHER        1        2,050    300
BANK OF NEW YORK MELLON
 CORP                        COMMON 064058100    196     8,656 SH        DEFINED      1        5,666         2,990
BANK OF NEW YORK MELLON
 CORP                        COMMON 064058100     24     1,072 SH        OTHER        1        1,072
BECTON DICKINSON & CO        COMMON 075887109    781     9,939 SH        DEFINED      1        9,939
BECTON DICKINSON & CO        COMMON 075887109     65       833 SH        OTHER        1          833
BOEING CO                    COMMON 097023105    677     9,727 SH        DEFINED      1        9,727
BOEING CO                    COMMON 097023105     37       525 SH        OTHER        1          525
BROWN FORMAN CORP            CL B   115637209    565     8,663 SH        DEFINED      1        8,663
BROWN FORMAN CORP            CL B   115637209     10       150 SH        OTHER        1          150
CATERPILLAR INC DEL          COMMON 149123101    892    10,363 SH        DEFINED      1       10,363
CATERPILLAR INC DEL          COMMON 149123101     86     1,000 SH        OTHER        1        1,000
CHEVRON CORP NEW             COMMON 166764100  1,561    13,388 SH        DEFINED      1       12,162         1,226
CHEVRON CORP NEW             COMMON 166764100    205     1,762 SH        OTHER        1        1,762
CHUBB CORP                   COMMON 171232101    784    10,273 SH        DEFINED      1       10,273
CHUBB CORP                   COMMON 171232101     15       200 SH        OTHER        1          200
CISCO SYS INC                COMMON 17275R102    746    39,058 SH        DEFINED      1       34,648         4,410
CISCO SYS INC                COMMON 17275R102     81     4,233 SH        OTHER        1        4,233
CNB FINL CORP PA             COMMON 126128107    205    11,700 SH        DEFINED      1       11,700
COCA COLA CO                 COMMON 191216100  1,054    27,792 SH        DEFINED      1       27,742            50
COCA COLA CO                 COMMON 191216100     53     1,400 SH        OTHER        1        1,400
CONOCOPHILLIPS               COMMON 20825C104    558     9,766 SH        DEFINED      1        9,644           122
CONOCOPHILLIPS               COMMON 20825C104     19       325 SH        OTHER        1          325
CSX CORP                     COMMON 126408103    388    18,708 SH        DEFINED      1       18,708
CSX CORP                     COMMON 126408103      8       400 SH        OTHER        1          400
CUMMINS INC                  COMMON 231021106    631     6,842 SH        DEFINED      1        6,842
CUMMINS INC                  COMMON 231021106     18       200 SH        OTHER        1          200
CVS CAREMARK CORPORATION     COMMON 126650100  1,073    22,169 SH        DEFINED      1       22,169
CVS CAREMARK CORPORATION     COMMON 126650100     48     1,001 SH        OTHER        1        1,001
DEVON ENERGY CORP NEW        COMMON 25179M103    453     7,480 SH        DEFINED      1        7,480
DEVON ENERGY CORP NEW        COMMON 25179M103      8       125 SH        OTHER        1          125
DISNEY WALT CO               COMMON
                             DISNEY 254687106    988    18,898 SH        DEFINED      1       17,018         1,880
DISNEY WALT CO               COMMON
                             DISNEY 254687106     42       800 SH        OTHER        1          800
DOMINION RES INC VA NEW      COMMON 25746U109    360     6,805 SH        DEFINED      1        6,768            37
DOMINION RES INC VA NEW      COMMON 25746U109     98     1,851 SH        OTHER        1        1,851
DU PONT E I DE NEMOURS & CO  COMMON 263534109    330     6,560 SH        DEFINED      1        6,560
DU PONT E I DE NEMOURS & CO  COMMON 263534109     52     1,042 SH        OTHER        1          742    300
E M C CORP MASS              COMMON 268648102    638    23,400 SH        DEFINED      1       20,460         2,940
EXXON MOBIL CORP             COMMON 30231G102  5,742    62,791 SH        DEFINED      1       62,703     88
EXXON MOBIL CORP             COMMON 30231G102    696     7,606 SH        OTHER        1        5,534  2,072
FEDEX CORP                   COMMON 31428X106    436     5,151 SH        DEFINED      1        5,151
FEDEX CORP                   COMMON 31428X106     21       250 SH        OTHER        1          250
FIRST COMWLTH FINL CORP PA   COMMON 319829107  3,782   536,437 SH        DEFINED      1      536,437
FIRST COMWLTH FINL CORP PA   COMMON 319829107     20     2,800 SH        OTHER        1        2,000           800
FREEPORT-MCMORAN
 COPPER & GO                 COMMON 35671D857    825    20,846 SH        DEFINED      1       18,746         2,100
GENERAL ELECTRIC CO          COMMON 369604103  2,478   109,104 SH        DEFINED      1      104,024    500  4,580
GENERAL ELECTRIC CO          COMMON 369604103    417    18,358 SH        OTHER        1       17,858    500
GENERAL MLS INC              COMMON 370334104    893    22,414 SH        DEFINED      1       22,414
GENERAL MLS INC              COMMON 370334104     48     1,200 SH        OTHER        1        1,200
GENUINE PARTS CO             COMMON 372460105    989    16,211 SH        DEFINED      1       16,211
GENUINE PARTS CO             COMMON 372460105     22       360 SH        OTHER        1          360
GILEAD SCIENCES INC          COMMON 375558103    998    15,041 SH        DEFINED      1       15,041
GILEAD SCIENCES INC          COMMON 375558103     20       300 SH        OTHER        1          300
GOLDMAN SACHS GROUP INC      COMMON 38141G104    178     1,564 SH        DEFINED      1        1,024           540
GOLDMAN SACHS GROUP INC      COMMON 38141G104     23       200 SH        OTHER        1          200
GOOGLE INC                   CL A   38259P508  1,363     1,807 SH        DEFINED      1        1,627           180
GOOGLE INC                   CL A   38259P508     15        20 SH        OTHER        1           20
HALLIBURTON CO               COMMON 406216101    490    14,541 SH        DEFINED      1       12,991         1,550
HELMERICH & PAYNE INC        COMMON 423452101    814    17,091 SH        DEFINED      1       17,091
HELMERICH & PAYNE INC        COMMON 423452101     21       450 SH        OTHER        1          450





                                                               
HUMANA INC                    COMMON 444859102    819    11,680 SH  DEFINED 1   11,680
HUMANA INC                    COMMON 444859102     31       440 SH    OTHER 1      440
INGERSOLL-RAND PLC            SHS    G47791101    269     6,000 SH  DEFINED 1    6,000
INTEL CORP                    COMMON 458140100    627    27,683 SH  DEFINED 1   24,143       3,540
INTEL CORP                    COMMON 458140100    116     5,100 SH    OTHER 1    5,100
INTERNATIONAL BUSINESS MACHS  COMMON 459200101  3,194    15,397 SH  DEFINED 1   15,397
INTERNATIONAL BUSINESS MACHS  COMMON 459200101    156       750 SH    OTHER 1      650   100
JOHNSON & JOHNSON             COMMON 478160104    384     5,577 SH  DEFINED 1    5,504          73
JOHNSON & JOHNSON             COMMON 478160104     65       950 SH    OTHER 1      950
JPMORGAN CHASE & CO           COMMON 46625H100    996    24,599 SH  DEFINED 1   22,729       1,870
JPMORGAN CHASE & CO           COMMON 46625H100     35       875 SH    OTHER 1      875
MCDONALDS CORP                COMMON 580135101  1,056    11,511 SH  DEFINED 1   11,491          20
MCDONALDS CORP                COMMON 580135101     77       840 SH    OTHER 1      840
METLIFE INC                   COMMON 59156R108    609    17,681 SH  DEFINED 1   17,681
METLIFE INC                   COMMON 59156R108      3        80 SH    OTHER 1       80
MICROSOFT CORP                COMMON 594918104  1,198    40,250 SH  DEFINED 1   35,720       4,530
MICROSOFT CORP                COMMON 594918104     49     1,633 SH    OTHER 1    1,633
MYLAN INC                     COMMON 628530107    608    24,946 SH  DEFINED 1   24,946
MYLAN INC                     COMMON 628530107     17       700 SH    OTHER 1      700
ORACLE CORP                   COMMON 68389X105    939    29,845 SH  DEFINED 1   27,525       2,320
ORACLE CORP                   COMMON 68389X105     55     1,733 SH    OTHER 1    1,733
PARKER HANNIFIN CORP          COMMON 701094104    603     7,209 SH  DEFINED 1    7,147          62
PARKER HANNIFIN CORP          COMMON 701094104     50       600 SH    OTHER 1      600
PEPSICO INC                   COMMON 713448108    200     2,828 SH  DEFINED 1    2,801          27
PEPSICO INC                   COMMON 713448108    251     3,547 SH    OTHER 1    3,547
PETSMART INC                  COMMON 716768106  1,110    16,096 SH  DEFINED 1   14,426       1,670
PETSMART INC                  COMMON 716768106     52       750 SH    OTHER 1      750
PFIZER INC                    COMMON 717081103    141     5,665 SH  DEFINED 1    5,665
PFIZER INC                    COMMON 717081103    276    11,096 SH    OTHER 1   11,096
PHILIP MORRIS INTL INC        COMMON 718172109  1,361    15,128 SH  DEFINED 1   14,413         715
PHILIP MORRIS INTL INC        COMMON 718172109    227     2,525 SH    OTHER 1    2,525
PNC FINL SVCS GROUP INC       COMMON 693475105  1,034    16,382 SH  DEFINED 1   16,382
PNC FINL SVCS GROUP INC       COMMON 693475105     19       300 SH    OTHER 1      300
PPG INDS INC                  COMMON 693506107  1,514    13,182 SH  DEFINED 1   13,182
PPG INDS INC                  COMMON 693506107    282     2,454 SH    OTHER 1      454 2,000
PPL CORP                      COMMON 69351T106    612    21,070 SH  DEFINED 1   20,935         135
PPL CORP                      COMMON 69351T106     86     2,950 SH    OTHER 1    2,950
PRECISION CASTPARTS CORP      COMMON 740189105    776     4,751 SH  DEFINED 1    4,751
PRECISION CASTPARTS CORP      COMMON 740189105     45       275 SH    OTHER 1      275
PRICE T ROWE GROUP INC        COMMON 74144T108    848    13,404 SH  DEFINED 1   13,404
PRICE T ROWE GROUP INC        COMMON 74144T108     85     1,350 SH    OTHER 1    1,350
PROCTER & GAMBLE CO           COMMON 742718109  2,342    33,760 SH  DEFINED 1   33,729          31
PROCTER & GAMBLE CO           COMMON 742718109    168     2,426 SH    OTHER 1    2,426
PUBLIC SVC ENTERPRISE GROUP   COMMON 744573106    265     8,247 SH  DEFINED 1    6,387       1,860
PUBLIC SVC ENTERPRISE GROUP   COMMON 744573106     70     2,160 SH    OTHER 1    2,160
QUALCOMM INC                  COMMON 747525103    765    12,252 SH  DEFINED 1   12,252
QUALCOMM INC                  COMMON 747525103     30       475 SH    OTHER 1      475
ROCKWELL AUTOMATION INC       COMMON 773903109    318     4,578 SH  DEFINED 1    4,578
ROCKWELL AUTOMATION INC       COMMON 773903109     80     1,150 SH    OTHER 1    1,150
ROCKWELL COLLINS INC          COMMON 774341101    213     3,969 SH  DEFINED 1    3,969
ROCKWELL COLLINS INC          COMMON 774341101     69     1,295 SH    OTHER 1    1,295
S & T BANCORP INC             COMMON 783859101  1,607    91,232 SH  DEFINED 1   91,232
S & T BANCORP INC             COMMON 783859101     18     1,000 SH    OTHER 1    1,000
STATE STR CORP                COMMON 857477103    609    14,505 SH  DEFINED 1   14,505
STATE STR CORP                COMMON 857477103     13       300 SH    OTHER 1      300
TARGET CORP                   COMMON 87612E106    997    15,701 SH  DEFINED 1   15,701
TARGET CORP                   COMMON 87612E106     92     1,450 SH    OTHER 1    1,450
TEVA PHARMACEUTICAL INDS LTD  ADR    881624209    232     5,611 SH  DEFINED 1    5,611
TEVA PHARMACEUTICAL INDS LTD  ADR    881624209     10       250 SH    OTHER 1      250
TEXAS INSTRS INC              COMMON 882508104    496    17,993 SH  DEFINED 1   15,743       2,250
TEXAS INSTRS INC              COMMON 882508104     40     1,467 SH    OTHER 1    1,467
THERMO FISHER SCIENTIFIC INC  COMMON 883556102    783    13,311 SH  DEFINED 1   13,311
THERMO FISHER SCIENTIFIC INC  COMMON 883556102     32       550 SH    OTHER 1      550
TIME WARNER CABLE INC         COMMON 88732J207  1,187    12,487 SH  DEFINED 1   12,487
TIME WARNER CABLE INC         COMMON 88732J207     41       433 SH    OTHER 1      433
US BANCORP DEL                COMMON
                              NEW    902973304    579    16,877 SH  DEFINED 1   16,877
US BANCORP DEL                COMMON
                              NEW    902973304     21       600 SH    OTHER 1      600
VERIZON COMMUNICATIONS INC    COMMON 92343V104  1,858    40,780 SH  DEFINED 1   40,528    76   176
VERIZON COMMUNICATIONS INC    COMMON 92343V104    583    12,804 SH    OTHER 1    9,088 3,716
VISA INC                      COMMON
                              CL A   92826C839    956     7,118 SH  DEFINED 1    7,118
VISA INC                      COMMON
                              CL A   92826C839     30       225 SH    OTHER 1      225
VODAFONE GROUP PLC NEW        SPONS
                              ADR
                              NEW    92857W209    216     7,587 SH  DEFINED 1    7,340         247
WAL-MART STORES INC           COMMON 931142103  1,136    15,393 SH  DEFINED 1   13,033       2,360
WAL-MART STORES INC           COMMON 931142103     48       650 SH    OTHER 1      650
WINDSTREAM CORP               COMMON 97381W104     54     5,327 SH  DEFINED 1    5,184         143
WINDSTREAM CORP               COMMON 97381W104     56     5,527 SH    OTHER 1    1,000       4,527
XCEL ENERGY INC               COMMON 98389B100    695    25,098 SH  DEFINED 1   25,098
XCEL ENERGY INC               COMMON 98389B100     53     1,900 SH    OTHER 1    1,900
ZIMMER HLDGS INC              COMMON 98956P102    664     9,823 SH  DEFINED 1    8,683       1,140
ZIMMER HLDGS INC              COMMON 98956P102     24       350 SH    OTHER 1      250   100
GRAND TOTALS                                   81,388 2,031,928