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

                                                  Form 13F

                                         Form 13F COVER PAGE

    Report for the Calendar Year or Quarter Ended:   June 30, 2001

    Check here if Amendment [  ]: Amendment Number:________

    This Amendment (Check only one): [X] 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,     August 14, 2001

    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).)

    <PAGE>










                                     Form 13F SUMMARY PAGE

    Report Summary:

    Number of Other Included Managers:  1

    Form 13F Information Table Entry Total:204

    Form 13F Information Table Value Total: $161,497    (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


    <PAGE>




    <TABLE>
                                               FORM 13F INFORMATION TABLE

    <CAPTION>
                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 AUTHORITY
    ISSUER                             CLASS      CUSIP  (X$1000)  PRN AMT  PRN CALLDISCRETIONMANAGERS   SOLE     SHARED    NONE
    <S>                              <C>       <C>       <C>      <C>       <C> <C> <C>       <C>     <C>       <C>       <C>
    ABBOTT LABORATORIES                 COM    002824100      717    14,941 SH       DEFINED        1    14,941         0        0
    ABBOTT LABORATORIES                 COM    002824100       24       500 SH        OTHER         1       500         0        0
    ALCOA INC.                          COM    013817101      950    24,111 SH       DEFINED        1    24,111         0        0
    ALCOA INC.                          COM    013817101      162     4,100 SH        OTHER         1     4,100         0        0
    ALLEGHENY ENERGY INC                COM    017361106      263     5,454 SH       DEFINED        1     5,454         0        0
    ALLEGHENY ENERGY INC                COM    017361106      106     2,200 SH        OTHER         1     2,200         0        0
    ALLSTATE CORP                       COM    020002101      239     5,428 SH       DEFINED        1     5,428         0        0
    ALLSTATE CORP                       COM    020002101      262     5,962 SH        OTHER         1     5,962         0        0
    ALLTEL CORP                         COM    020039103      417     6,802 SH       DEFINED        1     4,756     2,046        0
    ALLTEL CORP                         COM    020039103      442     7,216 SH        OTHER         1       500     6,716        0
    AMERICAN EXPRESS CO                 COM    025816109      316     8,142 SH       DEFINED        1     8,142         0        0
    AMERICAN HOME PRODUCTS              COM    026609107    1,032    17,659 SH       DEFINED        1    17,659         0        0
    AMERICAN HOME PRODUCTS              COM    026609107      251     4,300 SH        OTHER         1     4,300         0        0
    AMERICAN INTERNATIONAL GROUP INC    COM    026874107      898    10,444 SH       DEFINED        1    10,444         0        0
    AMERICAN INTERNATIONAL GROUP INC    COM    026874107      110     1,281 SH        OTHER         1     1,281         0        0
    AMGEN INC                           COM    031162100      749    12,350 SH       DEFINED        1    12,350         0        0
    AMGEN INC                           COM    031162100       23       375 SH        OTHER         1       375         0        0
    ANHEUSER BUSCH COS INC              COM    035229103      507    12,300 SH       DEFINED        1    12,300         0        0
    ANHEUSER BUSCH COS INC              COM    035229103       49     1,200 SH        OTHER         1     1,200         0        0









    AOL TIME WARNER INC                 COM    00184A105    1,096    20,680 SH       DEFINED        1    20,680         0        0
    AOL TIME WARNER INC                 COM    00184A105      101     1,900 SH        OTHER         1     1,900         0        0
    APPLIED MATLS INC                   COM    038222105      694    14,125 SH       DEFINED        1    14,125         0        0
    APPLIED MATLS INC                   COM    038222105       49     1,000 SH        OTHER         1     1,000         0        0
    AT&T CORP COMMON                    COM    001957109      479    21,753 SH       DEFINED        1    21,665        88        0
    AT&T CORP COMMON                    COM    001957109      210     9,549 SH        OTHER         1     8,997       552        0
    AUTOMATIC DATA PROCESSING INC       COM    053015103      316     6,358 SH       DEFINED        1     6,358         0        0
    AUTOMATIC DATA PROCESSING INC       COM    053015103       94     1,900 SH        OTHER         1     1,900         0        0
    BANK OF AMERICA CORP                COM    060505104      749    12,469 SH       DEFINED        1    12,469         0        0
    BANK OF AMERICA CORP                COM    060505104       66     1,100 SH        OTHER         1     1,100         0        0
    BELLSOUTH CORP                      COM    079860102    1,173    29,135 SH       DEFINED        1    28,735       400        0
    BELLSOUTH CORP                      COM    079860102       81     2,000 SH        OTHER         1     2,000         0        0
    BERKSHIRE SECURITIES                COM    084991868      794     5,400 SH       DEFINED        1     5,400         0        0
    BOEING CO                           COM    097023105       41       736 SH       DEFINED        1       736         0        0
    BOEING CO                           COM    097023105      160     2,874 SH        OTHER         1     2,874         0        0
    BP AMOCO PLC SPONSORED ADR          COM    055622104    1,270    25,485 SH       DEFINED        1    25,485         0        0
    BP AMOCO PLC SPONSORED ADR          COM    055622104      468     9,395 SH        OTHER         1     9,395         0        0
    BRISTOL MYERS SQUIB                 COM    110122108      843    16,109 SH       DEFINED        1    16,109         0        0
    BRISTOL MYERS SQUIB                 COM    110122108       63     1,200 SH        OTHER         1     1,200         0        0
    CHEVRON CORP                        COM    166751107      158     1,750 SH       DEFINED        1     1,750         0        0
    CHEVRON CORP                        COM    166751107      189     2,091 SH        OTHER         1     1,541       550        0
    CISCO SYSTEMS                       COM    17275R102      891    48,937 SH       DEFINED        1    48,937         0        0
    CISCO SYSTEMS                       COM    17275R102      160     8,800 SH        OTHER         1     8,800         0        0
    CITIGROUP INC                       COM    172967101    1,465    27,724 SH       DEFINED        1    27,724         0        0
    CITIGROUP INC                       COM    172967101       91     1,718 SH        OTHER         1     1,490       228        0
    COCA COLA CO                        COM    191216100      603    13,390 SH       DEFINED        1    13,190       200        0
    COCA COLA CO                        COM    191216100       54     1,200 SH        OTHER         1     1,200         0        0
    COMPAQ COMPUTER CORP                COM    204493100      527    34,000 SH       DEFINED        1    34,000         0        0
    COMPAQ COMPUTER CORP                COM    204493100       73     4,683 SH        OTHER         1     4,683         0        0
    CONEXANT SYSTEMS INC                COM    207142100       16     1,797 SH       DEFINED        1     1,797         0        0
    CONEXANT SYSTEMS INC                COM    207142100      120    13,398 SH        OTHER         1    13,398         0        0
    CORNING INC                         COM    219350105      225    13,450 SH       DEFINED        1    13,450         0        0
    CORNING INC                         COM    219350105       10       600 SH        OTHER         1       600         0        0
    CROWN AMERICAN REALTY TRUST         COM    228186102      180    21,560 SH       DEFINED        1    21,560         0        0
    DISNEY WALT CO                      COM    254687106      199     6,905 SH       DEFINED        1     6,905         0        0
    DISNEY WALT CO                      COM    254687106       61     2,100 SH        OTHER         1     2,100         0        0
    DOW CHEMICAL COMPANY                COM    260543103      197     5,932 SH       DEFINED        1     5,932         0        0
    DOW CHEMICAL COMPANY                COM    260543103      282     8,490 SH        OTHER         1     8,490         0        0
    DUPONT DE NEMOUR                    COM    263534109      848    17,585 SH       DEFINED        1    17,585         0        0
    DUPONT DE NEMOUR                    COM    263534109      163     3,385 SH        OTHER         1     1,585     1,800        0
    EMBRYO DEVELOPMENT CORP             COM    290818103        1    15,000 SH       DEFINED        1    15,000         0        0
    EMC CORP                            COM    268648102      301    10,375 SH       DEFINED        1    10,375         0        0
    EMC CORP                            COM    268648102       92     3,150 SH        OTHER         1     3,150         0        0
    EMERSON ELECTRIC CO                 COM    291011104       18       300 SH       DEFINED        1       300         0        0
    EMERSON ELECTRIC CO                 COM    291011104      589     9,730 SH        OTHER         1     9,730         0        0
    EQUITABLE RESOURCES                 COM    294549100      600    18,000 SH        OTHER         1    18,000         0        0
    EXXON MOBIL CORP                    COM    30231G102    3,331    38,131 SH       DEFINED        1    38,131         0        0
    EXXON MOBIL CORP                    COM    30231G102    3,231    36,988 SH        OTHER         1    33,765     3,223        0
    FEDERAL NATIONAL MORTGAGE ASSOC     COM    313586109      869    10,210 SH       DEFINED        1    10,210         0        0
    FEDERAL NATIONAL MORTGAGE ASSOC     COM    313586109      102     1,200 SH        OTHER         1     1,200         0        0
    FIRST COMMONWEALTH FINANCIAL CORP   COM    319829107   25,534 1,702,237 SH       DEFINED        1   1693891     8,346        0
    FIRST COMMONWEALTH FINANCIAL CORP   COM    319829107    5,688   379,208 SH        OTHER         1   323,898    55,310        0
    FIRST UNION CORPORATION             COM    337358105      284     8,114 SH       DEFINED        1     8,114         0        0
    FORD MTR CO DEL COM PAR $0.01       COM    345370860      685    27,891 SH       DEFINED        1    27,891         0        0
    FORD MTR CO DEL COM PAR $0.01       COM    345370860       96     3,916 SH        OTHER         1     2,868     1,048        0
    FORTUNE BRANDS INC                  COM    349631101      151     3,932 SH       DEFINED        1     3,932         0        0
    FORTUNE BRANDS INC                  COM    349631101      111     2,900 SH        OTHER         1     2,900         0        0









    GA FINANCIAL INC                   Common  361437106    2,062   133,900 SH       DEFINED            133,900         0        0
    GENERAL ELECTRIC                    COM    369604103    4,263    87,450 SH       DEFINED        1    87,450         0        0
    GENERAL ELECTRIC                    COM    369604103    8,531   174,985 SH        OTHER         1   171,565     3,420        0
    GENERAL MILLS INC                   COM    370334104      141     3,220 SH       DEFINED        1     3,220         0        0
    GENERAL MILLS INC                   COM    370334104      260     5,940 SH        OTHER         1     5,940         0        0
    GENERAL MOTORS CORP                 COM    370442105      235     3,658 SH       DEFINED        1     3,258         0      400
    GENERAL MOTORS CORP                 COM    370442105      215     3,342 SH        OTHER         1     2,884       458        0
    GILLETTE CO                         COM    375766102      259     8,949 SH       DEFINED        1     8,949         0        0
    GILLETTE CO                         COM    375766102        6       200 SH        OTHER         1       200         0        0
    HOME DEPOT INC                      COM    437076102      285     6,112 SH       DEFINED        1     6,112         0        0
    HOME DEPOT INC                      COM    437076102        5       100 SH        OTHER         1       100         0        0
    IBT BANCORP INC IRWIN PA           Common  44923F108      145     5,853 SH         SOLE               5,853         0        0
    INGERSOLL RAND CO                   COM    456866102      247     6,000 SH        OTHER         1     6,000         0        0
    INTEL CORP                          COM    458140100    1,422    48,630 SH       DEFINED        1    48,630         0        0
    INTEL CORP                          COM    458140100      252     8,600 SH        OTHER         1     8,600         0        0
    INTIMATE BRANDS INC                 COM    461156101      253    16,775 SH       DEFINED        1    16,775         0        0
    INTIMATE BRANDS INC                 COM    461156101       14       900 SH        OTHER         1       900         0        0
    INT'L BUSINESS MACHINES CORP        COM    459200101    1,351    11,957 SH       DEFINED        1    11,957         0        0
    INT'L BUSINESS MACHINES CORP        COM    459200101    1,753    15,515 SH        OTHER         1    15,515         0        0
    J P MORGAN CHASE & CO               COM    46625H100      927    20,785 SH       DEFINED        1    20,785         0        0
    J P MORGAN CHASE & CO               COM    46625H100       56     1,260 SH        OTHER         1     1,260         0        0
    JDS UNIPHASE CORP                   COM    46612J101      139    11,100 SH       DEFINED        1    11,100         0        0
    JDS UNIPHASE CORP                   COM    46612J101        4       300 SH        OTHER         1       300         0        0
    JOHNSON & JOHNSON                   COM    478160104    1,450    28,996 SH       DEFINED        1    28,996         0        0
    JOHNSON & JOHNSON                   COM    478160104      582    11,640 SH        OTHER         1    11,240       400        0
    JUNIATA VALLEY FINANCIAL CORP.      COM    482016102      636    24,119 SH       DEFINED        1    24,119         0        0
    KROGER CO                           COM    501044101      284    11,376 SH        OTHER         1    11,376         0        0
    LOWES COS INC                       COM    548661107    1,019    14,050 SH       DEFINED        1    14,050         0        0
    LOWES COS INC                       COM    548661107      152     2,100 SH        OTHER         1     2,100         0        0
    LUCENT TECHNOLOGIES INC             COM    549463107      189    30,444 SH       DEFINED        1    30,368        76        0
    LUCENT TECHNOLOGIES INC             COM    549463107       46     7,498 SH        OTHER         1     6,858       640        0
    MCDONALDS CORP                      COM    580135101      632    23,360 SH       DEFINED        1    23,360         0        0
    MCDONALDS CORP                      COM    580135101       84     3,121 SH        OTHER         1     3,121         0        0
    MELLON FINANCIAL CORP               COM    58551A108    1,315    28,584 SH       DEFINED        1    28,584         0        0
    MELLON FINANCIAL CORP               COM    58551A108      457     9,945 SH        OTHER         1     5,800     4,145        0
    MERCK & COMPANY INC                 COM    589331107    2,715    42,479 SH       DEFINED        1    42,479         0        0
    MERCK & COMPANY INC                 COM    589331107    2,293    35,879 SH        OTHER         1    35,079       800        0
    MERRILL LYNCH & CO                  COM    590188108    1,222    20,618 SH       DEFINED        1    20,618         0        0
    MERRILL LYNCH & CO                  COM    590188108      261     4,400 SH        OTHER         1     4,400         0        0
    MICROSOFT CORP                      COM    594918104    1,295    17,735 SH       DEFINED        1    17,735         0        0
    MICROSOFT CORP                      COM    594918104      259     3,550 SH        OTHER         1     3,550         0        0
    MINNESOTA MINING & MANUFACTURING    COM    604059105      873     7,651 SH       DEFINED        1     7,651         0        0
    MINNESOTA MINING & MANUFACTURING    COM    604059105      670     5,870 SH        OTHER         1     5,770       100        0
    MORGAN STANLEY DEAN WITTER DISCOV   COM    617446448      301     4,680 SH        OTHER         1     4,680         0        0
    MOTOROLA INC.                       COM    620076109      365    22,014 SH       DEFINED        1    22,014         0        0
    MOTOROLA INC.                       COM    620076109       28     1,700 SH        OTHER         1     1,700         0        0
    NATIONAL CITY CORP                  COM    635405103      204     6,626 SH       DEFINED        1     6,626         0        0
    NEW MEXICO BANQUEST                 COM    647991926      749     7,207 SH       DEFINED        1     7,207         0        0
    NEW MEXICO BANQUEST                 COM    647991926      158     1,522 SH        OTHER         1     1,522         0        0
    NITTANY FINANCIAL CORP             Common  65480R102      113    11,000 SH         SOLE              11,000         0        0
    NORTH PITTSBURGH SYS INC            COM    661562108    1,486    92,920 SH        OTHER         1    72,000    20,920        0
    NOVELLUS SYSTEMS INC                COM    670008101      923    16,250 SH       DEFINED        1    16,250         0        0
    NOVELLUS SYSTEMS INC                COM    670008101       28       500 SH        OTHER         1       500         0        0
    ORACLE CORP                         COM    68389X105    1,088    57,250 SH       DEFINED        1    57,250         0        0
    ORACLE CORP                         COM    68389X105       78     4,100 SH        OTHER         1     4,100         0        0
    P P G INDUSTRIES INC                COM    693506107      318     6,040 SH       DEFINED        1     6,040         0        0
    P P G INDUSTRIES INC                COM    693506107    2,465    46,890 SH        OTHER         1    39,840     7,050        0









    PARKVALE FINANCIAL CORP            Common  701492100    2,182    90,800 SH       DEFINED             90,800         0        0
    PEPSICO INCORPORATED                COM    713448108    1,590    35,980 SH       DEFINED        1    35,980         0        0
    PEPSICO INCORPORATED                COM    713448108      981    22,200 SH        OTHER         1    21,800       400        0
    PFIZER INC                          COM    717081103    3,487    87,077 SH       DEFINED        1    87,077         0        0
    PFIZER INC                          COM    717081103      633    15,800 SH        OTHER         1    15,800         0        0
    PHILIP MORRIS CO                    COM    718154107      566    11,150 SH       DEFINED        1    11,150         0        0
    PHILIP MORRIS CO                    COM    718154107    1,712    33,740 SH        OTHER         1    33,740         0        0
    PNC BANK CORP                       COM    693475105      783    11,898 SH       DEFINED        1    11,048         0      850
    PNC BANK CORP                       COM    693475105      285     4,328 SH        OTHER         1     4,328         0        0
    PPL CORP                            COM    69351T106      606    11,011 SH       DEFINED        1    11,011         0        0
    PPL CORP                            COM    69351T106      381     6,929 SH        OTHER         1     6,929         0        0
    PRAXAIR INC                         COM    74005P104       65     1,391 SH       DEFINED        1     1,391         0        0
    PRAXAIR INC                         COM    74005P104      188     4,000 SH        OTHER         1     4,000         0        0
    PROCTER & GAMBLE CO                 COM    742718109    1,640    25,706 SH       DEFINED        1    25,706         0        0
    PROCTER & GAMBLE CO                 COM    742718109    1,410    22,100 SH        OTHER         1    21,900       200        0
    PROMISTAR FINANCIAL CORP           Common  743424107    3,901   163,275 SH       DEFINED            163,275         0        0
    PUBLIC SERV ELEC GAS                COM    744573106       54     1,104 SH       DEFINED        1     1,104         0        0
    PUBLIC SERV ELEC GAS                COM    744573106      327     6,680 SH        OTHER         1     6,680         0        0
    QUALCOMM INC                        COM    747525103      433     7,400 SH       DEFINED        1     7,400         0        0
    QUALCOMM INC                        COM    747525103       18       300 SH        OTHER         1       300         0        0
    QWEST COMMUNICATIONS INTL           COM    749121109      116     3,650 SH       DEFINED        1     3,650         0        0
    QWEST COMMUNICATIONS INTL           COM    749121109      119     3,730 SH        OTHER         1     3,730         0        0
    RADIOSHACK CORP                     COM    750438103      585    19,175 SH       DEFINED        1    19,175         0        0
    RADIOSHACK CORP                     COM    750438103       21       700 SH        OTHER         1       700         0        0
    ROCKWELL INTL CORP NEW              COM    773903109      113     2,975 SH       DEFINED        1     2,975         0        0
    ROCKWELL INTL CORP NEW              COM    773903109      511    13,398 SH        OTHER         1    13,398         0        0
    ROYAL DUTCH PETROLEUM NY SHS        COM    780257804      297     5,100 SH       DEFINED        1     5,100         0        0
    ROYAL DUTCH PETROLEUM NY SHS        COM    780257804       23       400 SH        OTHER         1       400         0        0
    S & T BANCORP INC                  Common  783859101    2,462   100,000 SH       DEFINED            100,000         0        0
    S & T BANCORP INC                   COM    783859101    2,006    74,293 SH       DEFINED        1    74,293         0        0
    S & T BANCORP INC                   COM    783859101       13       464 SH        OTHER         1       464         0        0
    SBC COMMUNICATIONS INC              COM    78387G103      759    18,956 SH       DEFINED        1    18,956         0        0
    SBC COMMUNICATIONS INC              COM    78387G103      223     5,556 SH        OTHER         1     5,556         0        0
    SCHERING-PLOUGH CORP                COM    806605101      312     8,619 SH       DEFINED        1     8,619         0        0
    SCHERING-PLOUGH CORP                COM    806605101       14       400 SH        OTHER         1       400         0        0
    SCHLUMBERGER LTD                    COM    806857108      801    15,217 SH       DEFINED        1    15,217         0        0
    SCHLUMBERGER LTD                    COM    806857108       68     1,300 SH        OTHER         1     1,200       100        0
    SOLECTRON CORP                      COM    834182107      516    28,205 SH       DEFINED        1    28,205         0        0
    SOLECTRON CORP                      COM    834182107       48     2,600 SH        OTHER         1     2,600         0        0
    SOUTHWEST AIRLINES                  COM    844741108      331    17,881 SH       DEFINED        1    17,881         0        0
    SOUTHWEST AIRLINES                  COM    844741108       16       887 SH        OTHER         1       887         0        0
    SUNMICRO SYSTEMS                    COM    866810104      642    40,850 SH       DEFINED        1    40,850         0        0
    SUNMICRO SYSTEMS                    COM    866810104      101     6,400 SH        OTHER         1     6,400         0        0
    SUSQUEHANNA BANC SHS                COM    869099101    1,063    52,242 SH       DEFINED        1    52,242         0        0
    SUSQUEHANNA BANCSHARES INC         Common  869099101    5,534   277,000 SH       DEFINED            277,000         0        0
    TARGET CORP                         COM    87612E106    1,181    34,125 SH       DEFINED        1    34,125         0        0
    TARGET CORP                         COM    87612E106      163     4,700 SH        OTHER         1     4,700         0        0
    TELLABS INC                         COM    879664100      388    20,025 SH       DEFINED        1    20,025         0        0
    TELLABS INC                         COM    879664100       12       600 SH        OTHER         1       600         0        0
    TEXACO INC                          COM    881694103      240     3,600 SH       DEFINED        1     3,600         0        0
    TEXACO INC                          COM    881694103       13       200 SH        OTHER         1       200         0        0
    TEXAS INSTRUMENTS INC               COM    882508104      498    15,800 SH       DEFINED        1    15,800         0        0
    TEXAS INSTRUMENTS INC               COM    882508104       82     2,600 SH        OTHER         1     2,600         0        0
    TYCO INTERNATIONAL LTD              COM    902124106      894    16,400 SH       DEFINED        1    16,400         0        0
    TYCO INTERNATIONAL LTD              COM    902124106       30       550 SH        OTHER         1       550         0        0
    UNITED TECH CORP                    COM    913017109      280     3,825 SH       DEFINED        1     3,825         0        0
    UPSIDE DEVELOPMENT INC COM          COM    91673P109        4    60,000 SH       DEFINED        1    60,000         0        0









    VERIZON COMMUNICATIONS              COM    92343V104    3,356    62,722 SH       DEFINED        1    62,722         0        0
    VERIZON COMMUNICATIONS              COM    92343V104    1,876    35,074 SH        OTHER         1    30,402     4,672        0
    VIACOM INC. NEW                     COM    925524308      239     4,615 SH       DEFINED        1     4,615         0        0
    VIACOM INC. NEW                     COM    925524308       16       304 SH        OTHER         1       304         0        0
    VIRAGEN INC                         COM    927638106       13    10,000 SH       DEFINED        1    10,000         0        0
    VODAFONE GROUP PLC NEW              COM    92857W100      127     5,675 SH       DEFINED        1     5,675         0        0
    VODAFONE GROUP PLC NEW              COM    92857W100      190     8,500 SH        OTHER         1     8,500         0        0
    WACHOVIA CORP                       COM    929771103      359     5,051 SH       DEFINED        1     5,051         0        0
    WAL-MART STORES INC                 COM    931142103      277     5,686 SH       DEFINED        1     5,686         0        0
    WAL-MART STORES INC                 COM    931142103       20       400 SH        OTHER         1       400         0        0
    WELLS FARGO & CO                    COM    949746101      813    17,520 SH       DEFINED        1    17,520         0        0
    WELLS FARGO & CO                    COM    949746101       70     1,500 SH        OTHER         1     1,500         0        0
    WORLDCOM INC COM                    COM    98157D106      377    26,584 SH       DEFINED        1    26,584         0        0
    WORLDCOM INC COM                    COM    98157D106       21     1,450 SH        OTHER         1     1,450         0        0


    GRAND TOTALS                                          161,497



    </TABLE>