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, 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,  August 14, 2002

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: 218

Form 13F Information Table Value Total: $140,674    (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 AUTHORI
ISSUER                              CLASS      CUSIP  (X$1000)  PRN AMT  PRN CALL DISCRETION MANAGERS   SOLE     SHARED    NONE
<S>                               <C>       <C>       <C>      <C>       <C> <C> <C>         <C>     <C>       <C>       <C>

3M CO                               Common  88579Y101      598     4,865 SH        DEFINED         1     4,865         0        0
3M CO                               Common  88579Y101      662     5,380 SH         OTHER          1     5,380         0        0
ABBOTT LABORATORIES                 Common  002824100      522    13,858 SH        DEFINED         1    13,858         0        0
ABBOTT LABORATORIES                 Common  002824100       15       400 SH         OTHER          1       400         0        0
ALCOA INC.                          Common  013817101      605    18,250 SH        DEFINED         1    18,250         0        0
ALCOA INC.                          Common  013817101      118     3,550 SH         OTHER          1     3,550         0        0
ALLSTATE CORP                       Common  020002101      750    20,278 SH        DEFINED         1    20,278         0        0
ALLSTATE CORP                       Common  020002101      232     6,262 SH         OTHER          1     6,262         0        0
ALLTEL CORP                         Common  020039103      363     7,727 SH        DEFINED         1     5,681     2,046        0
ALLTEL CORP                         Common  020039103      346     7,366 SH         OTHER          1       500     6,866        0
AMERICAN EAGLE OUTFITTERS INC       Common  02553E106      242    11,425 SH        DEFINED         1    11,425         0        0
AMERICAN EAGLE OUTFITTERS INC       Common  02553E106        4       175 SH         OTHER          1       175         0        0
AMERICAN EXPRESS CO                 Common  025816109      252     6,949 SH        DEFINED         1     6,949         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107    1,078    15,802 SH        DEFINED         1    15,802         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107      122     1,781 SH         OTHER          1     1,781         0        0
AMGEN INC                           Common  031162100      565    13,485 SH        DEFINED         1    13,485         0        0
AMGEN INC                           Common  031162100       16       375 SH         OTHER          1       375         0        0
ANHEUSER BUSCH COS INC              Common  035229103    1,158    23,150 SH        DEFINED         1    23,150         0        0
ANHEUSER BUSCH COS INC              Common  035229103       83     1,650 SH         OTHER          1     1,650         0        0
AOL TIME WARNER INC                 Common  00184A105      493    33,530 SH        DEFINED         1    33,530         0        0
AOL TIME WARNER INC                 Common  00184A105       32     2,150 SH         OTHER          1     2,150         0        0
APACHE CORP                         Common  037411105      450     7,832 SH        DEFINED         1     7,832         0        0
APACHE CORP                         Common  037411105       14       250 SH         OTHER          1         0       250        0
APPLIED MATLS INC                   Common  038222105      530    27,850 SH        DEFINED         1    27,850         0        0
APPLIED MATLS INC                   Common  038222105       49     2,550 SH         OTHER          1     2,550         0        0
AT&T CORP COMMON                    Common  001957109      213    19,866 SH        DEFINED         1    19,778        88        0
AT&T CORP COMMON                    Common  001957109       88     8,240 SH         OTHER          1     7,725       515        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      510    11,717 SH        DEFINED         1    11,717         0        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      105     2,400 SH         OTHER          1     2,400         0        0
BANK OF AMERICA CORP COM            Common  060505104      594     8,448 SH        DEFINED         1     8,448         0        0
BANK OF AMERICA CORP COM            Common  060505104       63       900 SH         OTHER          1       900         0        0
BELLSOUTH CORP                      Common  079860102      837    26,582 SH        DEFINED         1    26,182       400        0
BELLSOUTH CORP                      Common  079860102       77     2,434 SH         OTHER          1     2,234       200        0
BERKSHIRE SECURITIES                Common  084991868      896     5,400 SH        DEFINED         1     5,400         0        0
BICO INC COM                        Common  088766100        0   101,100 SH        DEFINED         1   101,100         0        0
BOEING CO                           Common  097023105      632    14,053 SH        DEFINED         1    14,053         0        0
BOEING CO                           Common  097023105       75     1,669 SH         OTHER          1     1,669         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104    1,006    19,921 SH        DEFINED         1    19,921         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      415     8,222 SH         OTHER          1     6,422     1,800        0
BRISTOL MYERS SQUIB                 Common  110122108      359    13,959 SH        DEFINED         1    13,959         0        0
BRISTOL MYERS SQUIB                 Common  110122108       39     1,500 SH         OTHER          1     1,500         0        0
CARDINAL HEALTH INC                 Common  14149Y108      498     8,110 SH        DEFINED         1     8,110         0        0
CARDINAL HEALTH INC                 Common  14149Y108       37       600 SH         OTHER          1       600         0        0
CATERPILLAR INC                     Common  149123101      418     8,532 SH        DEFINED         1     8,532         0        0
CATERPILLAR INC                     Common  149123101       28       575 SH         OTHER          1       575         0        0
CHEVRON TEXACO CORP                 Common  166764100      436     4,922 SH        DEFINED         1     4,152         0      770
CHEVRON TEXACO CORP                 Common  166764100      212     2,395 SH         OTHER          1     1,995         0      400
CISCO SYSTEMS                       Common  17275R102      697    49,982 SH        DEFINED         1    49,982         0        0
CISCO SYSTEMS                       Common  17275R102      114     8,200 SH         OTHER          1     8,200         0        0
CITIGROUP INC COM                   Common  172967101      938    24,209 SH        DEFINED         1    24,209         0        0
CITIGROUP INC COM                   Common  172967101       77     1,992 SH         OTHER          1     1,490       502        0
CNB FINANCIAL CORP.                 Common  126128107      234     9,360 SH        DEFINED         1     9,360         0        0
CNB FINANCIAL CORP/PA               Common  126128107      909    36,378 SH        DEFINED              36,378         0        0
COCA COLA CO                        Common  191216100      313     5,592 SH        DEFINED         1     5,392       200        0
CORNING INC COM                     Common  219350105       94    26,375 SH        DEFINED         1    26,375         0        0
CORNING INC COM                     Common  219350105        2       600 SH         OTHER          1       600         0        0
CROWN AMERICAN REALTY TRUST         Common  228186102      205    21,860 SH        DEFINED         1    21,860         0        0
DOW CHEMICAL COMPANY                Common  260543103      186     5,399 SH        DEFINED         1     5,399         0        0
DOW CHEMICAL COMPANY                Common  260543103       55     1,596 SH         OTHER          1     1,596         0        0
DUPONT DE NEMOUR                    Common  263534109      836    18,840 SH        DEFINED         1    18,840         0        0
DUPONT DE NEMOUR                    Common  263534109      124     2,800 SH         OTHER          1     1,000     1,800        0
EL PASO CORPORATION COM             Common  28336L109      207    10,061 SH        DEFINED         1    10,061         0        0
EL PASO CORPORATION COM             Common  28336L109        2       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      153    20,300 SH        DEFINED         1    20,300         0        0
EMC CORP                            Common  268648102       25     3,250 SH         OTHER          1     3,250         0        0
EMERSON ELECTRIC CO                 Common  291011104       26       481 SH        DEFINED         1       481         0        0
EMERSON ELECTRIC CO                 Common  291011104      521     9,730 SH         OTHER          1     9,730         0        0
ESB FINANCIAL CORP                  Common  26884F102      209    17,000 SH        DEFINED              17,000         0        0
EXXON MOBIL CORP                    Common  30231G102    3,452    84,349 SH        DEFINED         1    84,349         0        0
EXXON MOBIL CORP                    Common  30231G102    2,360    57,669 SH         OTHER          1    41,523    16,146        0
F N B CORP PA                       Common  302520101       55     1,984 SH        DEFINED         1     1,984         0        0
F N B CORP PA                       Common  302520101      312    11,362 SH         OTHER          1    11,362         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      815    11,045 SH        DEFINED         1    11,045         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      118     1,600 SH         OTHER          1     1,600         0        0
FIRST BELL BANCORP INC              Common  319301107      192    11,200 SH        DEFINED              11,200         0        0
FIRST COLONIAL GROUP INC            Common  319734109      936    39,332 SH        DEFINED              39,332         0        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107   21,150 1,567,820 SH        DEFINED         1 1,559,474     8,346        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107    2,714   201,194 SH         OTHER          1   148,384    52,810        0
FORTUNE BRANDS INC                  Common  349631101      220     3,932 SH        DEFINED         1     3,932         0        0
FORTUNE BRANDS INC                  Common  349631101      162     2,900 SH         OTHER          1     2,900         0        0
FULTON FINANCIAL CORP               Common  360271100      533    28,150 SH        DEFINED              28,150         0        0
GA FINANCIAL INC                    Common  361437106    1,689    90,600 SH        DEFINED              90,600         0        0
GALLAHER GROUP PLC-SPON ADR         Common  363595109      147     3,932 SH        DEFINED         1     3,932         0        0
GALLAHER GROUP PLC-SPON ADR         Common  363595109      108     2,900 SH         OTHER          1     2,900         0        0
GENERAL ELECTRIC                    Common  369604103    2,835    97,602 SH        DEFINED         1    97,602         0        0
GENERAL ELECTRIC                    Common  369604103    3,858   132,790 SH         OTHER          1   129,410     3,380        0
GENERAL MILLS INC                   Common  370334104      135     3,060 SH        DEFINED         1     3,060         0        0
GENERAL MILLS INC                   Common  370334104      165     3,740 SH         OTHER          1     3,740         0        0
GENERAL MOTORS CORP                 Common  370442105      192     3,600 SH        DEFINED         1     3,200         0      400
GENERAL MOTORS CORP                 Common  370442105       77     1,440 SH         OTHER          1       982       458        0
GILLETTE CO                         Common  375766102      237     6,999 SH        DEFINED         1     6,999         0        0
GILLETTE CO                         Common  375766102        7       200 SH         OTHER          1       200         0        0
HARLEY DAVIDSON INC                 Common  412822108      643    12,550 SH        DEFINED         1    12,550         0        0
HARLEY DAVIDSON INC                 Common  412822108       42       825 SH         OTHER          1       525       300        0
HEWLETT-PACKARD CO                  Common  428236103      137     8,972 SH        DEFINED         1     8,972         0        0
HEWLETT-PACKARD CO                  Common  428236103       19     1,253 SH         OTHER          1     1,253         0        0
HOME DEPOT INC                      Common  437076102      256     6,962 SH        DEFINED         1     6,962         0        0
HOME DEPOT INC                      Common  437076102       11       300 SH         OTHER          1       300         0        0
H. J. HEINZ COMPANY                 Common  423074103      126     3,055 SH        DEFINED         1     3,055         0        0
H. J. HEINZ COMPANY                 Common  423074103      164     4,000 SH         OTHER          1     4,000         0        0
IBT BANCORP INC IRWIN PA            Common  44923F108      189     5,853 SH          SOLE                5,853         0        0
INGERSOLL-RAND COMPANY LTD          Common  G4776G101      274     6,000 SH         OTHER          1     6,000         0        0
INTEL CORP                          Common  458140100    1,009    55,224 SH        DEFINED         1    55,224         0        0
INTEL CORP                          Common  458140100      137     7,500 SH         OTHER          1     7,500         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,411    19,591 SH        DEFINED         1    19,591         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,086    15,090 SH         OTHER          1    14,990       100        0
JACOBS ENGR GROUP INC               Common  469814107      441    12,675 SH        DEFINED         1    12,675         0        0
JACOBS ENGR GROUP INC               Common  469814107        7       200 SH         OTHER          1       200         0        0
JOHNSON & JOHNSON                   Common  478160104    1,295    24,786 SH        DEFINED         1    24,786         0        0
JOHNSON & JOHNSON                   Common  478160104      624    11,940 SH         OTHER          1    11,540       400        0
JUNIATA VALLEY FINANCIAL CORP.      Common  482016102      692    24,119 SH        DEFINED         1    24,119         0        0
KRAFT FOODS INC                     Common  50075N104      467    11,400 SH        DEFINED         1    11,400         0        0
KRAFT FOODS INC                     Common  50075N104        4       100 SH         OTHER          1       100         0        0
LENNAR CORP COM                     Common  526057104      513     8,375 SH        DEFINED         1     8,375         0        0
LENNAR CORP COM                     Common  526057104        6       100 SH         OTHER          1       100         0        0
LOWES COS INC                       Common  548661107    1,027    22,621 SH        DEFINED         1    22,621         0        0
LOWES COS INC                       Common  548661107      125     2,750 SH         OTHER          1     2,450       300        0
LUCENT TECHNOLOGIES INC             Common  549463107       35    21,332 SH        DEFINED         1    21,256        76        0
LUCENT TECHNOLOGIES INC             Common  549463107        7     4,305 SH         OTHER          1     4,025       280        0
MAGNITUDE INFORMATION SYS IN        Common  559534102       26   100,000 SH        DEFINED         1   100,000         0        0
MBNA CORP                           Common  55262L100      453    13,704 SH        DEFINED         1    13,704         0        0
MBNA CORP                           Common  55262L100      137     4,150 SH         OTHER          1     4,150         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      604    19,208 SH        DEFINED         1    19,208         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      250     7,945 SH         OTHER          1     4,300     3,645        0
MERCK & COMPANY INC                 Common  589331107    1,975    38,997 SH        DEFINED         1    38,997         0        0
MERCK & COMPANY INC                 Common  589331107    1,738    34,327 SH         OTHER          1    33,527       800        0
MERRILL LYNCH & CO                  Common  590188108    1,018    25,125 SH        DEFINED         1    25,125         0        0
MERRILL LYNCH & CO                  Common  590188108      146     3,600 SH         OTHER          1     3,600         0        0
MICROSOFT CORP                      Common  594918104    1,073    19,613 SH        DEFINED         1    19,613         0        0
MICROSOFT CORP                      Common  594918104      118     2,150 SH         OTHER          1     2,150         0        0
MORGAN STANLEY DEAN WITTER DISC     Common  617446448      202     4,680 SH         OTHER          1     4,680         0        0
NATIONAL CITY CORP                  Common  635405103      205     6,176 SH        DEFINED         1     6,176         0        0
NATL PENN BCSHS INC                 Common  637138108      917    34,982 SH        DEFINED              34,982         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      269     7,668 SH        DEFINED         1     7,668         0        0
NITTANY FINANCIAL CORP              Common  65480R102      157    12,100 SH          SOLE               12,100         0        0
NOBLE CORPORATION                   Common  G65422100      357     9,250 SH        DEFINED         1     9,250         0        0
NORTH PITTSBURGH SYS INC COM        Common  661562108    1,340    83,270 SH         OTHER          1    65,600    17,670        0
NOVELLUS SYSTEMS INC                Common  670008101      571    16,800 SH        DEFINED         1    16,800         0        0
OMEGA FINANCIAL CORP                Common  682092101    1,149    31,479 SH        DEFINED              31,479         0        0
ORACLE CORP                         Common  68389X105      533    56,318 SH        DEFINED         1    56,318         0        0
ORACLE CORP                         Common  68389X105       23     2,400 SH         OTHER          1     2,400         0        0
P P G INDUSTRIES INC                Common  693506107      484     7,817 SH        DEFINED         1     7,817         0        0
P P G INDUSTRIES INC                Common  693506107    1,918    30,990 SH         OTHER          1    24,540     6,450        0
PARKVALE FINANCIAL CORP             Common  701492100    3,325   116,100 SH        DEFINED             116,100         0        0
PENNROCK FINAN SERVICES CORP        Common  708352109      277     8,400 SH        DEFINED               8,400         0        0
PENNZOIL-QUAKER ST CO               Common  709323109      530    24,612 SH         OTHER          1    24,612         0        0
PEPSICO INCORPORATED                Common  713448108    1,688    35,029 SH        DEFINED         1    35,029         0        0
PEPSICO INCORPORATED                Common  713448108    1,029    21,350 SH         OTHER          1    20,950       400        0
PFIZER INC                          Common  717081103    2,832    80,908 SH        DEFINED         1    80,908         0        0
PFIZER INC                          Common  717081103      975    27,854 SH         OTHER          1    27,854         0        0
PHILIP MORRIS CO                    Common  718154107      605    13,850 SH        DEFINED         1    13,850         0        0
PHILIP MORRIS CO                    Common  718154107    1,496    34,240 SH         OTHER          1    34,240         0        0
PNC BANK CORP                       Common  693475105      570    10,905 SH        DEFINED         1    10,355         0      550
PNC BANK CORP                       Common  693475105       73     1,400 SH         OTHER          1     1,400         0        0
PNC FINANCIAL SERVICES GROUP        Common  693475105    4,719    90,000 SH        DEFINED              90,000         0        0
PPL CORP COM                        Common  69351T106      366    11,065 SH        DEFINED         1    11,065         0        0
PPL CORP COM                        Common  69351T106      192     5,800 SH         OTHER          1     5,800         0        0
PRICE T ROWE GROUP INC              Common  74144T108      477    14,515 SH        DEFINED         1    14,515         0        0
PRICE T ROWE GROUP INC              Common  74144T108        5       150 SH         OTHER          1       150         0        0
PROCTER & GAMBLE CO                 Common  742718109    2,154    24,126 SH        DEFINED         1    24,126         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,987    22,250 SH         OTHER          1    22,050       200        0
PUBLIC SERV ELEC GAS                Common  744573106       43     1,004 SH        DEFINED         1     1,004         0        0
PUBLIC SERV ELEC GAS                Common  744573106      289     6,680 SH         OTHER          1     6,680         0        0
QUALCOMM INC                        Common  747525103      238     8,650 SH        DEFINED         1     8,650         0        0
QUALCOMM INC                        Common  747525103       16       600 SH         OTHER          1       600         0        0
ROCKWELL COLLINS INC                Common  774341101      188     6,844 SH        DEFINED         1     6,844         0        0
ROCKWELL COLLINS INC                Common  774341101       74     2,688 SH         OTHER          1     2,688         0        0
ROYAL BANCSHARES OF PENN-A          Common  780081105      693    32,376 SH        DEFINED              32,376         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804      337     6,100 SH        DEFINED         1     6,100         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804       55       998 SH         OTHER          1       998         0        0
S & T BANCORP INC                   Common  783859101    1,826    67,633 SH        DEFINED         1    67,633         0        0
S & T BANCORP INC                   Common  783859101    2,746   101,701 SH        DEFINED             101,701         0        0
S & T BANCORP INC                   Common  783859101      745    27,610 SH         OTHER          1    27,610         0        0
SBC COMMUNICATIONS INC              Common  78387G103      495    16,242 SH        DEFINED         1    16,242         0        0
SBC COMMUNICATIONS INC              Common  78387G103      248     8,142 SH         OTHER          1     8,142         0        0
SCHERING-PLOUGH CORP                Common  806605101      243     9,877 SH        DEFINED         1     9,877         0        0
SCHLUMBERGER LTD                    Common  806857108      517    11,108 SH        DEFINED         1    11,108         0        0
SCHLUMBERGER LTD                    Common  806857108       67     1,450 SH         OTHER          1     1,350       100        0
SEARS,ROEBUCK & CO                  Common  812387108      485     8,925 SH        DEFINED         1     8,925         0        0
SEARS,ROEBUCK & CO                  Common  812387108      168     3,100 SH         OTHER          1     3,100         0        0
SOLECTRON CORP                      Common  834182107      176    28,580 SH        DEFINED         1    28,580         0        0
SOLECTRON CORP                      Common  834182107       10     1,600 SH         OTHER          1     1,600         0        0
SOUTHWEST AIRLINES                  Common  844741108      276    17,076 SH        DEFINED         1    17,076         0        0
SOUTHWEST AIRLINES                  Common  844741108       14       862 SH         OTHER          1       662       200        0
ST JUDE MED INC COM                 Common  790849103      378     5,125 SH        DEFINED         1     5,125         0        0
SUN BANCORP INC                     Common  866634108      665    27,150 SH        DEFINED              27,150         0        0
SUNMICRO SYSTEMS                    Common  866810104       93    18,575 SH        DEFINED         1    18,575         0        0
SUNMICRO SYSTEMS                    Common  866810104       25     4,900 SH         OTHER          1     4,900         0        0
SUNOCO INC COM                      Common  86764P109      298     8,350 SH        DEFINED         1     8,350         0        0
SUSQUEHANNA BANC SHS                Common  869099101    1,186    52,242 SH        DEFINED         1    52,242         0        0
SUSQUEHANNA BANCSHARES INC          Common  869099101    2,396   105,500 SH        DEFINED             105,500         0        0
TARGET CORP                         Common  87612E106    1,225    32,150 SH        DEFINED         1    32,150         0        0
TARGET CORP                         Common  87612E106      176     4,625 SH         OTHER          1     4,625         0        0
TEXAS INSTRUMENTS INC               Common  882508104      218     9,186 SH        DEFINED         1     9,186         0        0
TEXAS INSTRUMENTS INC               Common  882508104       36     1,500 SH         OTHER          1     1,500         0        0
TYCO INTERNATIONAL LTD              Common  902124106      393    29,070 SH        DEFINED         1    29,070         0        0
TYCO INTERNATIONAL LTD              Common  902124106        6       425 SH         OTHER          1       350        75        0
UNION PACIFIC CORP                  Common  907818108      237     3,750 SH        DEFINED         1     3,750         0        0
UNION PACIFIC CORP                  Common  907818108        3        50 SH         OTHER          1         0        50        0
UPSIDE DEVELOPMENT INC COM          Common  91673P109        1    60,000 SH        DEFINED         1    60,000         0        0
VERIZON COMMUNICATIONS              Common  92343V104    2,049    51,042 SH        DEFINED         1    51,042         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,369    34,089 SH         OTHER          1    29,417     4,672        0
VIACOM INC. NEW                     Common  925524308      314     7,070 SH        DEFINED         1     7,070         0        0
VIACOM INC. NEW                     Common  925524308       13       304 SH         OTHER          1       304         0        0
VIRAGEN INC                         Common  927638106        7    10,000 SH        DEFINED         1    10,000         0        0
VODAFONE GROUP PLC NEW-SPONS AD     Common  92857W100       60     4,390 SH        DEFINED         1     4,390         0        0
VODAFONE GROUP PLC NEW-SPONS AD     Common  92857W100      119     8,682 SH         OTHER          1     8,682         0        0
WACHOVIA CORP                       Common  929903102      718    18,806 SH        DEFINED         1    18,806         0        0
WAL-MART STORES INC                 Common  931142103    1,277    23,217 SH        DEFINED         1    23,217         0        0
WAL-MART STORES INC                 Common  931142103       69     1,250 SH         OTHER          1     1,250         0        0
WELLS FARGO & CO COM                Common  949746101      838    16,745 SH        DEFINED         1    16,745         0        0
WELLS FARGO & CO COM                Common  949746101       55     1,100 SH         OTHER          1     1,100         0        0
WYETH COM                           Common  983024100      497     9,712 SH        DEFINED         1     8,512         0    1,200
WYETH COM                           Common  983024100      159     3,100 SH         OTHER          1     3,100         0        0

GRAND TOTALS                                           140,674



</TABLE>