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, 2001

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, 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: 212

Form 13F Information Table Value Total: $144,979    (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>

ABBOTT LABORATORIES                 Common  002824100      777    13,932 SH        DEFINED         1    13,932         0        0
ABBOTT LABORATORIES                 Common  002824100       22       400 SH         OTHER          1       400         0        0
ALCOA INC.                          Common  013817101      870    24,461 SH        DEFINED         1    24,461         0        0
ALCOA INC.                          Common  013817101      146     4,100 SH         OTHER          1     4,100         0        0
ALLEGHENY ENERGY INC COM            Common  017361106      198     5,454 SH        DEFINED         1     5,454         0        0
ALLEGHENY ENERGY INC COM            Common  017361106       80     2,200 SH         OTHER          1     2,200         0        0
ALLSTATE CORP                       Common  020002101      537    15,928 SH        DEFINED         1    15,928         0        0
ALLSTATE CORP                       Common  020002101      211     6,262 SH         OTHER          1     6,262         0        0
ALLTEL CORP                         Common  020039103      414     6,702 SH        DEFINED         1     4,656     2,046        0
ALLTEL CORP                         Common  020039103      445     7,216 SH         OTHER          1       500     6,716        0
AMERICAN EAGLE OUTFITTERS INC       Common  02553E106      226     8,625 SH        DEFINED         1     8,625         0        0
AMERICAN EAGLE OUTFITTERS INC       Common  02553E106        5       175 SH         OTHER          1       175         0        0
AMERICAN EXPRESS CO                 Common  025816109      241     6,742 SH        DEFINED         1     6,742         0        0
AMERICAN HOME PRODUCTS              Common  026609107      780    12,709 SH        DEFINED         1    12,709         0        0
AMERICAN HOME PRODUCTS              Common  026609107      239     3,900 SH         OTHER          1     3,900         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107    1,111    13,988 SH        DEFINED         1    13,988         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107      110     1,381 SH         OTHER          1     1,381         0        0
AMGEN INC                           Common  031162100      729    12,910 SH        DEFINED         1    12,910         0        0
AMGEN INC                           Common  031162100       21       375 SH         OTHER          1       375         0        0
ANHEUSER BUSCH COS INC              Common  035229103      918    20,300 SH        DEFINED         1    20,300         0        0
ANHEUSER BUSCH COS INC              Common  035229103       54     1,200 SH         OTHER          1     1,200         0        0
AOL TIME WARNER INC                 Common  00184A105      777    24,193 SH        DEFINED         1    24,193         0        0
AOL TIME WARNER INC                 Common  00184A105       61     1,900 SH         OTHER          1     1,900         0        0
APPLIED MATLS INC                   Common  038222105      676    16,850 SH        DEFINED         1    16,850         0        0
APPLIED MATLS INC                   Common  038222105       60     1,500 SH         OTHER          1     1,500         0        0
AT&T CORP COMMON                    Common  001957109      377    20,762 SH        DEFINED         1    20,674        88        0
AT&T CORP COMMON                    Common  001957109      183    10,081 SH         OTHER          1     9,529       552        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      540     9,173 SH        DEFINED         1     9,173         0        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      118     2,000 SH         OTHER          1     2,000         0        0
BANK OF AMERICA CORP                Common  060505104      513     8,148 SH        DEFINED         1     8,148         0        0
BANK OF AMERICA CORP                Common  060505104       57       900 SH         OTHER          1       900         0        0
BELLSOUTH CORP                      Common  079860102    1,148    30,084 SH        DEFINED         1    29,684       400        0
BELLSOUTH CORP                      Common  079860102       90     2,368 SH         OTHER          1     2,318        50        0
BERKSHIRE SECURITIES                Common  084991868      896     5,400 SH        DEFINED         1     5,400         0        0
BICO INC COM                        Common  088766100        3   101,100 SH        DEFINED         1   101,100         0        0
BOEING CO                           Common  097023105      424    10,941 SH        DEFINED         1    10,941         0        0
BOEING CO                           Common  097023105      120     3,099 SH         OTHER          1     3,099         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104    1,148    24,687 SH        DEFINED         1    24,687         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      409     8,796 SH         OTHER          1     6,996     1,800        0
BRISTOL MYERS SQUIB                 Common  110122108      849    16,654 SH        DEFINED         1    16,654         0        0
BRISTOL MYERS SQUIB                 Common  110122108       61     1,200 SH         OTHER          1     1,200         0        0
CHEVRON TEXACO CORP                 Common  166764100      405     4,522 SH        DEFINED         1     3,752         0      770
CHEVRON TEXACO CORP                 Common  166764100      197     2,195 SH         OTHER          1     1,795         0      400
CISCO SYSTEMS                       Common  17275R102      978    54,007 SH        DEFINED         1    54,007         0        0
CISCO SYSTEMS                       Common  17275R102      159     8,800 SH         OTHER          1     8,800         0        0
CITIGROUP INC COM                   Common  172967101    1,209    23,953 SH        DEFINED         1    23,953         0        0
CITIGROUP INC COM                   Common  172967101      101     1,992 SH         OTHER          1     1,490       502        0
CNB FINANCIAL CORP.                 Common  126128107      210     9,360 SH        DEFINED         1     9,360         0        0
CNB FINANCIAL CORP/PA               Common  126128107      264    11,600 SH        DEFINED              11,600         0        0
COCA COLA CO                        Common  191216100      397     8,412 SH        DEFINED         1     8,212       200        0
COCA COLA CO                        Common  191216100       47     1,000 SH         OTHER          1     1,000         0        0
COMPAQ COMPUTER CORP                Common  204493100      318    32,600 SH        DEFINED         1    32,600         0        0
COMPAQ COMPUTER CORP                Common  204493100       46     4,683 SH         OTHER          1     4,683         0        0
CONEXANT SYSTEMS INC                Common  207142100       56     3,907 SH        DEFINED         1     3,907         0        0
CONEXANT SYSTEMS INC                Common  207142100      192    13,398 SH         OTHER          1    13,398         0        0
CORNING INC                         Common  219350105      205    23,000 SH        DEFINED         1    23,000         0        0
CORNING INC                         Common  219350105        5       600 SH         OTHER          1       600         0        0
CROWN AMERICAN REALTY TRUST         Common  228186102      171    21,860 SH        DEFINED         1    21,860         0        0
DOW CHEMICAL COMPANY                Common  260543103      198     5,849 SH        DEFINED         1     5,849         0        0
DOW CHEMICAL COMPANY                Common  260543103      272     8,040 SH         OTHER          1     8,040         0        0
DUPONT DE NEMOUR                    Common  263534109      775    18,225 SH        DEFINED         1    18,225         0        0
DUPONT DE NEMOUR                    Common  263534109      119     2,800 SH         OTHER          1     1,000     1,800        0
EL PASO CORPORATION COM             Common  28336L109      273     6,126 SH        DEFINED         1     6,126         0        0
EMBRYO DEVELOPMENT CORP COM         Common  290818103        0    15,000 SH        DEFINED         1    15,000         0        0
EMC CORP                            Common  268648102      209    15,535 SH        DEFINED         1    15,535         0        0
EMC CORP                            Common  268648102       42     3,150 SH         OTHER          1     3,150         0        0
EMERSON ELECTRIC CO                 Common  291011104       17       300 SH        DEFINED         1       300         0        0
EMERSON ELECTRIC CO                 Common  291011104      556     9,730 SH         OTHER          1     9,730         0        0
EQUITABLE RESOURCES                 Common  294549100       39     1,153 SH        DEFINED         1     1,153         0        0
EQUITABLE RESOURCES                 Common  294549100      613    18,000 SH         OTHER          1    18,000         0        0
EXXON MOBIL CORP                    Common  30231G102    3,079    78,358 SH        DEFINED         1    78,358         0        0
EXXON MOBIL CORP                    Common  30231G102    2,790    70,984 SH         OTHER          1    54,838    16,146        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      903    11,360 SH        DEFINED         1    11,360         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109       95     1,200 SH         OTHER          1     1,200         0        0
FIRST COLONIAL GROUP INC            Common  319734109      251    11,200 SH        DEFINED              11,200         0        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107   18,232 1,582,652 SH        DEFINED         1 1,574,306     8,346        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107    4,371   379,452 SH         OTHER          1   325,642    53,810        0
FORD MTR CO DEL COM PAR $0.01       Common  345370860      442    28,091 SH        DEFINED         1    28,091         0        0
FORD MTR CO DEL COM PAR $0.01       Common  345370860       80     5,068 SH         OTHER          1     4,020     1,048        0
FORTUNE BRANDS INC                  Common  349631101      156     3,932 SH        DEFINED         1     3,932         0        0
FORTUNE BRANDS INC                  Common  349631101      115     2,900 SH         OTHER          1     2,900         0        0
GA FINANCIAL INC                    Common  361437106      838    50,000 SH        DEFINED              50,000         0        0
GENERAL ELECTRIC                    Common  369604103    3,728    93,005 SH        DEFINED         1    93,005         0        0
GENERAL ELECTRIC                    Common  369604103    6,018   150,140 SH         OTHER          1   146,760     3,380        0
GENERAL MILLS INC                   Common  370334104      167     3,220 SH        DEFINED         1     3,220         0        0
GENERAL MILLS INC                   Common  370334104      309     5,940 SH         OTHER          1     5,940         0        0
GENERAL MOTORS CORP                 Common  370442105      183     3,758 SH        DEFINED         1     3,358         0      400
GENERAL MOTORS CORP                 Common  370442105      167     3,430 SH         OTHER          1     2,972       458        0
GILLETTE CO                         Common  375766102      234     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      645    11,875 SH        DEFINED         1    11,875         0        0
HARLEY DAVIDSON INC                 Common  412822108       18       325 SH         OTHER          1       250        75        0
HOME DEPOT INC                      Common  437076102      428     8,394 SH        DEFINED         1     8,394         0        0
HOME DEPOT INC                      Common  437076102        5       100 SH         OTHER          1       100         0        0
IBT BANCORP INC IRWIN PA            Common  44923F108      170     5,853 SH          SOLE                5,853         0        0
INGERSOLL RAND CO COM               Common  456866102      251     6,000 SH         OTHER          1     6,000         0        0
INTEL CORP                          Common  458140100    1,647    52,380 SH        DEFINED         1    52,380         0        0
INTEL CORP                          Common  458140100      270     8,600 SH         OTHER          1     8,600         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,809    14,957 SH        DEFINED         1    14,957         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,865    15,415 SH         OTHER          1    15,415         0        0
J P MORGAN CHASE & CO               Common  46625H100      848    23,328 SH        DEFINED         1    23,328         0        0
J P MORGAN CHASE & CO               Common  46625H100       46     1,260 SH         OTHER          1     1,260         0        0
JOHNSON & JOHNSON                   Common  478160104    1,494    25,286 SH        DEFINED         1    25,286         0        0
JOHNSON & JOHNSON                   Common  478160104      688    11,640 SH         OTHER          1    11,240       400        0
JUNIATA VALLEY FINANCIAL CORP.      Common  482016102      690    24,119 SH        DEFINED         1    24,119         0        0
KROGER CO                           Common  501044101      237    11,376 SH         OTHER          1    11,376         0        0
LENNAR CORP COM                     Common  526057104      413     8,825 SH        DEFINED         1     8,825         0        0
LENNAR CORP COM                     Common  526057104        5       100 SH         OTHER          1       100         0        0
LOWES COS INC                       Common  548661107    1,146    24,700 SH        DEFINED         1    24,700         0        0
LOWES COS INC                       Common  548661107      198     4,275 SH         OTHER          1     4,200        75        0
LUCENT TECHNOLOGIES INC             Common  549463107      163    25,796 SH        DEFINED         1    25,720        76        0
LUCENT TECHNOLOGIES INC             Common  549463107       53     8,455 SH         OTHER          1     8,175       280        0
MBNA CORP                           Common  55262L100       97     2,752 SH        DEFINED         1     2,752         0        0
MBNA CORP                           Common  55262L100      143     4,050 SH         OTHER          1     4,050         0        0
MCDONALDS CORP                      Common  580135101      428    16,170 SH        DEFINED         1    16,170         0        0
MCDONALDS CORP                      Common  580135101       96     3,626 SH         OTHER          1     3,626         0        0
MELLON FINANCIAL CORP COM           Common  58551A108    1,149    30,534 SH        DEFINED         1    30,534         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      370     9,845 SH         OTHER          1     5,800     4,045        0
MERCK & COMPANY INC                 Common  589331107    2,480    42,180 SH        DEFINED         1    42,180         0        0
MERCK & COMPANY INC                 Common  589331107    2,136    36,321 SH         OTHER          1    35,521       800        0
MERRILL LYNCH & CO                  Common  590188108    1,220    23,400 SH        DEFINED         1    23,400         0        0
MERRILL LYNCH & CO                  Common  590188108      156     3,000 SH         OTHER          1     3,000         0        0
MICROSOFT CORP                      Common  594918104    1,374    20,747 SH        DEFINED         1    20,747         0        0
MICROSOFT CORP                      Common  594918104      235     3,550 SH         OTHER          1     3,550         0        0
MINNESOTA MINING & MANUFACTURIN     Common  604059105      947     8,015 SH        DEFINED         1     8,015         0        0
MINNESOTA MINING & MANUFACTURIN     Common  604059105      694     5,870 SH         OTHER          1     5,770       100        0
MORGAN STANLEY DEAN WITTER DISC     Common  617446448      262     4,680 SH         OTHER          1     4,680         0        0
MOTOROLA INC.                       Common  620076109      129     8,600 SH        DEFINED         1     8,600         0        0
MOTOROLA INC.                       Common  620076109       26     1,700 SH         OTHER          1     1,700         0        0
NATL PENN BCSHS INC                 Common  637138108      673    30,575 SH        DEFINED              30,575         0        0
NEW MEXICO BANQUEST                 Common  647991926      749     7,207 SH        DEFINED         1     7,207         0        0
NEW MEXICO BANQUEST                 Common  647991926       78       754 SH         OTHER          1       754         0        0
NEWELL RUBBERMAID INC               Common  651229106      211     7,668 SH        DEFINED         1     7,668         0        0
NITTANY FINANCIAL CORP              Common  65480R102      124    11,000 SH          SOLE               11,000         0        0
NORTH PITTSBURGH SYS INC COM        Common  661562108    1,618    87,470 SH         OTHER          1    68,800    18,670        0
NOVELLUS SYSTEMS INC                Common  670008101      646    16,375 SH        DEFINED         1    16,375         0        0
NOVELLUS SYSTEMS INC                Common  670008101       20       500 SH         OTHER          1       500         0        0
OMEGA FINANCIAL CORP                Common  682092101      767    23,846 SH        DEFINED              23,846         0        0
ORACLE CORP                         Common  68389X105      816    59,095 SH        DEFINED         1    59,095         0        0
ORACLE CORP                         Common  68389X105       57     4,100 SH         OTHER          1     4,100         0        0
P P G INDUSTRIES INC                Common  693506107      385     7,447 SH        DEFINED         1     7,447         0        0
P P G INDUSTRIES INC                Common  693506107    2,358    45,590 SH         OTHER          1    38,540     7,050        0
PARKVALE FINANCIAL CORP             Common  701492100    2,416   111,300 SH        DEFINED             111,300         0        0
PENNROCK FINAN SERVICES CORP        Common  708352109      165     7,400 SH        DEFINED               7,400         0        0
PEPSICO INCORPORATED                Common  713448108    1,731    35,559 SH        DEFINED         1    35,559         0        0
PEPSICO INCORPORATED                Common  713448108    1,100    22,600 SH         OTHER          1    22,200       400        0
PFIZER INC                          Common  717081103    3,508    88,042 SH        DEFINED         1    88,042         0        0
PFIZER INC                          Common  717081103    1,109    27,826 SH         OTHER          1    27,826         0        0
PHILIP MORRIS CO                    Common  718154107      603    13,150 SH        DEFINED         1    13,150         0        0
PHILIP MORRIS CO                    Common  718154107    1,547    33,740 SH         OTHER          1    33,740         0        0
PNC BANK CORP                       Common  693475105      613    10,905 SH        DEFINED         1    10,355         0      550
PNC BANK CORP                       Common  693475105      210     3,728 SH         OTHER          1     3,728         0        0
PNC FINANCIAL SERVICES GROUP        Common  693475105    1,967    35,000 SH        DEFINED              35,000         0        0
PPL CORP COM                        Common  69351T106      460    13,190 SH        DEFINED         1    13,190         0        0
PPL CORP COM                        Common  69351T106      202     5,800 SH         OTHER          1     5,800         0        0
PRAXAIR INC                         Common  74005P104       77     1,391 SH        DEFINED         1     1,391         0        0
PRAXAIR INC                         Common  74005P104      221     4,000 SH         OTHER          1     4,000         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,872    23,651 SH        DEFINED         1    23,651         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,749    22,100 SH         OTHER          1    21,900       200        0
PUBLIC SERV ELEC GAS                Common  744573106       42     1,004 SH        DEFINED         1     1,004         0        0
PUBLIC SERV ELEC GAS                Common  744573106      282     6,680 SH         OTHER          1     6,680         0        0
QUALCOMM INC                        Common  747525103      356     7,050 SH        DEFINED         1     7,050         0        0
QUALCOMM INC                        Common  747525103       15       300 SH         OTHER          1       300         0        0
RENT WAY INC                        Common  76009U104       60    10,000 SH        DEFINED         1    10,000         0        0
ROCKWELL COLLINS INC                Common  774341101      102     5,212 SH        DEFINED         1     5,212         0        0
ROCKWELL COLLINS INC                Common  774341101      261    13,398 SH         OTHER          1    13,398         0        0
ROCKWELL INTL CORP NEW              Common  773903109      123     6,879 SH        DEFINED         1     6,879         0        0
ROCKWELL INTL CORP NEW              Common  773903109      239    13,398 SH         OTHER          1    13,398         0        0
ROYAL BANCSHARES OF PENN-A          Common  780081105      596    29,600 SH        DEFINED              29,600         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804      299     6,100 SH        DEFINED         1     6,100         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804       49       991 SH         OTHER          1       991         0        0
S & T BANCORP INC                   Common  783859101      944    38,886 SH        DEFINED              38,886         0        0
S & T BANCORP INC                   Common  783859101    1,697    69,913 SH        DEFINED         1    69,913         0        0
S & T BANCORP INC                   Common  783859101      789    32,476 SH         OTHER          1    32,476         0        0
SBC COMMUNICATIONS INC              Common  78387G103      636    16,242 SH        DEFINED         1    16,242         0        0
SBC COMMUNICATIONS INC              Common  78387G103      328     8,372 SH         OTHER          1     8,372         0        0
SCHERING-PLOUGH CORP                Common  806605101      328     9,170 SH        DEFINED         1     9,170         0        0
SCHERING-PLOUGH CORP                Common  806605101       14       400 SH         OTHER          1       400         0        0
SCHLUMBERGER LTD                    Common  806857108      886    16,117 SH        DEFINED         1    16,117         0        0
SCHLUMBERGER LTD                    Common  806857108       88     1,600 SH         OTHER          1     1,500       100        0
SOLECTRON CORP                      Common  834182107      334    29,630 SH        DEFINED         1    29,630         0        0
SOLECTRON CORP                      Common  834182107       27     2,400 SH         OTHER          1     2,400         0        0
SOUTHWEST AIRLINES                  Common  844741108      363    19,619 SH        DEFINED         1    19,619         0        0
SOUTHWEST AIRLINES                  Common  844741108       20     1,087 SH         OTHER          1       887       200        0
SUN BANCORP INC                     Common  866634108      171    10,000 SH        DEFINED              10,000         0        0
SUNMICRO SYSTEMS                    Common  866810104      529    43,040 SH        DEFINED         1    43,040         0        0
SUNMICRO SYSTEMS                    Common  866810104       79     6,400 SH         OTHER          1     6,400         0        0
SUNOCO INC                          Common  86764P109      212     5,675 SH        DEFINED         1     5,675         0        0
SUSQUEHANNA BANC SHS                Common  869099101    1,089    52,242 SH        DEFINED         1    52,242         0        0
SUSQUEHANNA BANCSHARES INC          Common  869099101    1,710    82,000 SH        DEFINED              82,000         0        0
TARGET CORP                         Common  87612E106    1,406    34,260 SH        DEFINED         1    34,260         0        0
TARGET CORP                         Common  87612E106      187     4,550 SH         OTHER          1     4,550         0        0
TEXAS INSTRUMENTS INC               Common  882508104      501    17,876 SH        DEFINED         1    17,876         0        0
TEXAS INSTRUMENTS INC               Common  882508104       59     2,100 SH         OTHER          1     2,100         0        0
THREE RIVERS BANCORP INC            Common  88562Q107      589    47,100 SH        DEFINED              47,100         0        0
TYCO INTERNATIONAL LTD              Common  902124106    1,198    20,345 SH        DEFINED         1    20,345         0        0
TYCO INTERNATIONAL LTD              Common  902124106       37       625 SH         OTHER          1       550        75        0
UPSIDE DEVELOPMENT INC COM          Common  91673P109        1    60,000 SH        DEFINED         1    60,000         0        0
VERIZON COMMUNICATIONS              Common  92343V104    3,052    64,316 SH        DEFINED         1    64,316         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,784    37,591 SH         OTHER          1    32,919     4,672        0
VIACOM INC. NEW                     Common  925524308      282     6,394 SH        DEFINED         1     6,394         0        0
VIACOM INC. NEW                     Common  925524308       13       304 SH         OTHER          1       304         0        0
VIRAGEN INC                         Common  927638106       12    10,000 SH        DEFINED         1    10,000         0        0
VODAFONE GROUP PLC NEW              Common  92857W100      112     4,355 SH        DEFINED         1     4,355         0        0
VODAFONE GROUP PLC NEW              Common  92857W100      228     8,878 SH         OTHER          1     8,878         0        0
WACHOVIA CORP                       Common  929903102      527    16,806 SH        DEFINED         1    16,806         0        0
WAL-MART STORES INC                 Common  931142103    1,122    19,491 SH        DEFINED         1    19,491         0        0
WAL-MART STORES INC                 Common  931142103       35       600 SH         OTHER          1       600         0        0
WELLS FARGO & CO COM                Common  949746101      734    16,880 SH        DEFINED         1    16,880         0        0
WELLS FARGO & CO COM                Common  949746101       61     1,400 SH         OTHER          1     1,400         0        0
WORLDCOM INC COM                    Common  98157D106      386    27,384 SH        DEFINED         1    27,384         0        0
WORLDCOM INC COM                    Common  98157D106       20     1,450 SH         OTHER          1     1,450         0        0

GRAND TOTALS                                           144,979

</TABLE>