Exhibit 99 - First Commonwealth Financial CorporationPress Release dated April 20, 2006****

----

***** NEWS RELEASE *****

| TO:    | All Area News Agencies | **For  More Information Contact:**            |
|--------|------------------------|-----------------------------------------------|
|   |                   |                                          |
| FROM:  | First Commonwealth     | **John  Dolan, Executive Vice President and** |
|   | Financial Corporation  | **Chief  Financial Officer**                  |
|   |                   | **First  Commonwealth Financial Corporation** |
| DATE:  | April 20, 2006         | **(724)  349-7220**                           |

 

**First Commonwealth Announces FirstQuarter 2006 Financial Results***Continues Branch Construction andRenovations in Pittsburgh Region; Expands Home Mortgage Service Offerings through Joint Venture*

INDIANA, PENNSYLVANIA - April 20, 2006 - First Commonwealth FinancialCorporation (NYSE: FCF) reported net income of $12.9 million for the firstquarter of 2006 compared to net income of $15.2 million for the first quarterof 2005.  Basic and diluted earnings pershare were $0.19 for the first quarter of 2006 compared to $0.22 for thecomparable period of 2005.  Return onequity was 9.95% and return on assets was 0.88% for the first quarter of 2006compared to 11.48% and 1.00%, respectively for the 2005 period.  The decline in net income was primarily theresult of the decrease in net interest income.During the first quarter of 2006, First Commonwealth (the Company) made thefollowing fundamental improvements that are expected to help strengthen itsfuture financial performance and market position:

| -   | Continued its branch expansion plans into higher growth  markets as it began construction on two new branch offices in  Pittsburgh-area market  as well as completing two significant  renovations on existing branches.        |
|----------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|     |                                                                                                                                                                                                                                      |
| -   | Entered into a joint venture with Wells Fargo Ventures,  LLC to form First Commonwealth Home Mortgage, LLC, that will offer a full  array of home financing products and will provide our clients with  multi-state lending capabilities. |

**Net Interest Income**Net interest income for the first quarter of 2006 decreased $3.5 million,or 7.8%, to $41.4 million from $44.9 million in the first quarter of 2005.  First quarter net interest margin (netinterest 

1

----

income as a percentage of average earning assets on a fullytax-equivalent basis) declined 10 basis points to 3.31%, compared with 3.41% inthe corresponding period last year.  Thedecline in net interest margin was due primarily to funding costs increasing ata faster rate than yields on earning assets. The first quarter yield on earning assets (on a fully tax-equivalentbasis) increased 55 basis points to 6.13% from 5.58% in the same period last year,while the cost of funds increased 74 basis points to 3.15% from 2.41% in lastyear's first quarter.  Due to the relatively flat yield curve the Company has limited the amountreinvested in investment securities that have matured or have been paid downresulting in a decrease of 4.0% or $227.8 million in average interest earningassets.  Average total loans and averagetotal deposits increased 3.1% and 2.8%, respectively, in the first three monthsof 2006 when compared to first quarter of 2005.  On another positive note, the net interest margin increased 11basis points in the first quarter of 2006 compared to the 3.20% net interestmargin reported in the fourth quarter of 2005, due to the previously disclosedbalance sheet changes occurring in the fourth quarter of 2005.**Other Income**Total other income for the first quarter of 2006 declined 10.0% to $10.3million from $11.4 million in the same period last year as a result of thedecrease in security gains coupled with the absence of income from merchantservices business which was sold in the second quarter of 2005. Service charges on deposits increased 9.3% due to the new fee schedules and theCompany's continued success with its High Performance Checking product.**Other Expenses**Total other expenses for the first quarter of 2006 increased only 0.6% to$35.6 million from $35.4 million in the corresponding period last year.  Salaries and employee benefits rose $1.1million or 5.8% primarily from the $0.7 million rise in employee benefits.  Unemployment compensation insurance grewwhich was related to the organizational restructuring and related personnelchanges.  Salaries, adjusted for $0.4million in severance charges, for the first quarter of 2006 were slightly lessthan the amount reported in the comparable period last year.  Unemployment compensation rates have beenaffected by the large number of employees terminated during 2004 and 2005, aspart of the Company's organizational restructuring, realignment initiatives andcost containment efforts.First quarter 2006 net occupancy expense increased $0.4 million or 13.7% from$3.0 million in the first quarter of 2005 to $3.4 million.  The increase was primarily the result of anadjustment to building rental expense due to an ongoing monitoring of leases.**Credit Quality and Provision for CreditLosses**As of March 31, 2006, total nonperforming loans (including loans past due90 days but still accruing) increased to $29.1 million from the $28.2 millionat March 31, 2005.  Past due loansdeclined $2.5 million, but were offset by a $3.4 million increase in nonaccrualloans.  The 

2

----

change in nonaccrual loans resulted primarily from onecommercial credit relationship.  Theremaining recorded balance of that relationship is believed to be well secured,and includes a partial government agency guarantee.  Nonperforming loans as a percent of total loans increased onlyone basis point from 0.79% at March 31, 2005, to 0.80% at March 31, 2006.  First quarter 2006 provision for credit losses decreased to $0.9 million from$1.7 million in the same period last year. The analysis of the Adequacy for the Allowance of Loan Loss as of March31, 2006, showed continuing improvement in the credit quality of classifiedloans on the primary watch list.  TheCompany believes that the allowance for credit losses is adequate at thepresent time. **About First Commonwealth FinancialCorporation**First Commonwealth Financial Corporation is a $5.9 billion bank holdingcompany headquartered in Indiana, Pennsylvania.  It operates 100 retail branch offices in 15 counties in westernand central Pennsylvania through First Commonwealth Bank, a Pennsylvaniachartered bank and trust company. Financial services and insurance products are also provided throughFirst Commonwealth Financial Advisors, Inc., and First Commonwealth InsuranceAgency.**Forward-Looking Statements***This release contains "forward-looking statements" within themeaning of the Private Securities Litigation Reform Act of 1995.  Forward-looking statements describe FirstCommonwealth's future plans, strategies and expectations and are based onassumptions and involve risks and uncertainties, many of which are beyond thecontrol of First Commonwealth and which may cause actual results, performanceor achievements to differ materially from the results, performance orachievements contemplated by the forward-looking statements. Forward-lookingstatements can be identified by the fact that they do not relate strictly tohistorical or current facts. They often include words such as "believe,""expect," "anticipate," "intend," "plan,""estimate" or words of similar meaning, or future or conditionalverbs such as "will," "would," "should," "could"or "may." Forward-looking statements speak only as of the date theyare made.  Such risks and uncertaintiesinclude, among other things:*

| *-  * | *Risks and uncertainties described in First Commonwealth's  reports filed with the Securities and Exchange Commission, including its most  recent Annual Report on Form 10-K.*                         |
|------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| *-  * | *Adverse changes in the economy or business conditions,  either nationally or in First Commonwealth's market areas, could increase  credit-related losses and expenses and/or limit growth.*           |
| *-  * | *Increases in defaults by borrowers and other  delinquencies could result in increases in First Commonwealth's provision for  losses on loans and related expenses.*                                   |
| *-  * | *Fluctuations in interest rates and market prices could  reduce net interest margin and asset valuations and increase expenses.*                                                                       |
| *-  * | *Changes in legislative or regulatory requirements  applicable to First Commonwealth and its subsidiaries could increase costs,  limit certain operations and adversely affect results of operations.* |

 

3

----

| FIRST COMMONWEALTH  FINANCIAL CORPORATION                                            |                                                                                                                                 |                                                                                                                           |
|--------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------|
| CONSOLIDATED SELECTED  FINANCIAL DATA                                                |                        |                       |
| (Dollar Amounts in  Thousands, except per share data)                                |                                                                                                                                 |                                                                                                                           |
|                                                                                 |                                                                                                                                 |                                                                                                                           |
|                                                                                 | For the Quarter Ended                                                                                                                |
|                                                                                 | March 31,                                                                                                                            |
|                                                                                 | 2006                                                                                                                                 | 2005                                                                                                                           |
| Interest income                                                                      | $79,781                                                                                                                              | $75,637                                                                                                                        |
| Interest expense                                                                     | 38,334                                                                                                                               | 30,705                                                                                                                         |
|      Net  interest income                                   | 41,447                                                                                                                               | 44,932                                                                                                                         |
| Provision for credit  losses                                                         | 908                                                                                                                                  | 1,744                                                                                                                          |
|      Net  interest income after provision for credit losses | 40,539                                                                                                                               | 43,188                                                                                                                         |
|                                                                                 |                                                                                                                                 |                                                                                                                           |
| Net securities gains                                                                 | 63                                                                                                                                   | 485                                                                                                                            |
| Trust income                                                                         | 1,394                                                                                                                                | 1,325                                                                                                                          |
| Service charges on  deposits                                                         | 3,869                                                                                                                                | 3,540                                                                                                                          |
| Insurance commissions                                                                | 719                                                                                                                                  | 840                                                                                                                            |
| Income from bank  owned life insurance                                               | 1,375                                                                                                                                | 1,321                                                                                                                          |
| Merchant discount  income                                                            | 0                                                                                                                                    | 839                                                                                                                            |
| Card related  interchange income                                                     | 1,298                                                                                                                                | 1,087                                                                                                                          |
| Other income                                                                         | 1,578                                                                                                                                | 2,003                                                                                                                          |
|      Total  other income                                    | 10,296                                                                                                                               | 11,440                                                                                                                         |
|                                                                                 |                                                                                                                                 |                                                                                                                           |
| Salaries and employee  benefits                                                      | 19,357                                                                                                                               | 18,298                                                                                                                         |
| Net occupancy expense                                                                | 3,402                                                                                                                                | 2,992                                                                                                                          |
| Furniture and  equipment expense                                                     | 2,767                                                                                                                                | 2,870                                                                                                                          |
| Data processing  expense                                                             | 795                                                                                                                                  | 939                                                                                                                            |
| Pennsylvania shares  tax expense                                                     | 1,350                                                                                                                                | 1,266                                                                                                                          |
| Intangible  amortization                                                             | 565                                                                                                                                  | 565                                                                                                                            |
| Other operating  expense                                                             | 7,357                                                                                                                                | 8,463                                                                                                                          |
|      Total  other expenses                                  | 35,593                                                                                                                               | 35,393                                                                                                                         |
| Income before income  taxes                                                          | 15,242                                                                                                                               | 19,235                                                                                                                         |
| Applicable income  taxes                                                             | 2,304                                                                                                                                | 4,016                                                                                                                          |
|      Net  income                                            | $12,938                                                                                                                              | $15,219                                                                                                                        |
|                                                                                 |                                                                                                                                 |                                                                                                                           |
| Average shares outstanding                                                           | 69,469,709                                                                                                                           | 69,346,722                                                                                                                     |
| Average shares  outstanding assuming dilution                                        | 69,918,151                                                                                                                           | 70,024,400                                                                                                                     |
|                                                                                 |                                                                                                                                 |                                                                                                                           |
| ***Per Share  Data:***                                                               |                                                                                                                                 |                                                                                                                           |
| Basic earnings per  share                                                            | $0.19                                                                                                                                | $0.22                                                                                                                          |
| Diluted earnings per  share                                                          | $0.19                                                                                                                                | $0.22                                                                                                                          |
| Cash dividends per  share                                                            | $0.170                                                                                                                               | $0.165                                                                                                                         |
|                                                                                 |                                                                                                                                 |                                                                                                                           |

----

 

| FIRST COMMONWEALTH  FINANCIAL CORPORATION                                                               |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|---------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| CONSOLIDATED SELECTED  FINANCIAL DATA                                                                   |                                         |                                        |
| (Dollar Amounts in  Thousands, except per share data)                                                   |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|                                                                                                    | March 31,                                                                                                                                                                                                                                  | December 31,                                                                                                                                                                                                                         |
|                                                                                                    | 2006                                                                                                                                                                                                                                       | 2005                                                                                                                                                                                                                                 |
| Assets                                                                                                  |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|   Cash and  due from banks on demand                                                          | $84,627                                                                                                                                                                                                                                    | $84,555                                                                                                                                                                                                                              |
|   Interest-bearing  bank deposits                                                             | 391                                                                                                                                                                                                                                        | 473                                                                                                                                                                                                                                  |
|   Federal  funds sold                                                                         | 0                                                                                                                                                                                                                                          | 1,575                                                                                                                                                                                                                                |
|   Securities  available for sale, at market                                                   | 1,737,899                                                                                                                                                                                                                                  | 1,851,986                                                                                                                                                                                                                            |
|   Securities  held to maturity, at amortized cost                                             |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|     (Market  value $86,986 in 2006 and $89,804 in 2005)                             | 85,673                                                                                                                                                                                                                                     | 87,757                                                                                                                                                                                                                               |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|   Loans  held for sale                                                                        | 553                                                                                                                                                                                                                                        | 1,276                                                                                                                                                                                                                                |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|   Loans:                                                                                      |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|     Portfolio  loans                                                                | 3,651,632                                                                                                                                                                                                                                  | 3,623,102                                                                                                                                                                                                                            |
|     Unearned  income                                                                | (98)                                                                                                                                                                                                                                       | (119)                                                                                                                                                                                                                                |
|     Allowance  for credit losses                                                    | (38,017)                                                                                                                                                                                                                                   | (39,492)                                                                                                                                                                                                                             |
|         Net  loans                                              | 3,613,517                                                                                                                                                                                                                                  | 3,583,491                                                                                                                                                                                                                            |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|   Premises  and equipment                                                                     | 61,230                                                                                                                                                                                                                                     | 60,860                                                                                                                                                                                                                               |
|   Other  real estate owned                                                                    | 1,499                                                                                                                                                                                                                                      | 1,655                                                                                                                                                                                                                                |
|   Goodwill                                                                                    | 122,702                                                                                                                                                                                                                                    | 122,702                                                                                                                                                                                                                              |
|   Amortizing  intangibles, net                                                                | 14,686                                                                                                                                                                                                                                     | 15,251                                                                                                                                                                                                                               |
|   Other  assets                                                                               | 221,733                                                                                                                                                                                                                                    | 214,739                                                                                                                                                                                                                              |
|         Total  assets                                           | $5,944,510                                                                                                                                                                                                                                 | $6,026,320                                                                                                                                                                                                                           |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
| Liabilities                                                                                             |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|   Deposits  (all domestic):                                                                   |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|     Noninterest-bearing                                                             | $499,161                                                                                                                                                                                                                                   | $491,644                                                                                                                                                                                                                             |
|     Interest-bearing                                                                | 3,496,577                                                                                                                                                                                                                                  | 3,504,908                                                                                                                                                                                                                            |
|       Total  deposits                                                     | 3,995,738                                                                                                                                                                                                                                  | 3,996,552                                                                                                                                                                                                                            |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|   Short-term  borrowings                                                                      | 601,426                                                                                                                                                                                                                                    | 665,665                                                                                                                                                                                                                              |
|   Other  liabilities                                                                          | 37,952                                                                                                                                                                                                                                     | 43,314                                                                                                                                                                                                                               |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|   Subordinated  debentures                                                                    | 108,250                                                                                                                                                                                                                                    | 108,250                                                                                                                                                                                                                              |
|   Other  long-term debt                                                                       | 685,395                                                                                                                                                                                                                                    | 691,494                                                                                                                                                                                                                              |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|       Total  long-term debt                                               | 793,645                                                                                                                                                                                                                                    | 799,744                                                                                                                                                                                                                              |
|         Total  liabilities                                      | 5,428,761                                                                                                                                                                                                                                  | 5,505,275                                                                                                                                                                                                                            |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
| Shareholders' Equity                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
|   Common  stock $1 par value per share                                                        | 71,978                                                                                                                                                                                                                                     | 71,978                                                                                                                                                                                                                               |
|   Additional  paid-in capital                                                                 | 173,369                                                                                                                                                                                                                                    | 173,967                                                                                                                                                                                                                              |
|   Retained  earnings                                                                          | 319,523                                                                                                                                                                                                                                    | 318,569                                                                                                                                                                                                                              |
|   Accumulated  other comprehensive income (loss)                                              | (17,349)                                                                                                                                                                                                                                   | (9,655)                                                                                                                                                                                                                              |
|   Treasury  stock                                                                             | (18,672)                                                                                                                                                                                                                                   | (20,214)                                                                                                                                                                                                                             |
|   Unearned  ESOP shares                                                                       | (13,100)                                                                                                                                                                                                                                   | (13,600)                                                                                                                                                                                                                             |
|         Total  shareholders' equity                             | 515,749                                                                                                                                                                                                                                    | 521,045                                                                                                                                                                                                                              |
|           Total  liabilities and shareholders' equity | $5,944,510                                                                                                                                                                                                                                 | $6,026,320                                                                                                                                                                                                                           |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |
| Shares issued                                                                                           | 71,978,568                                                                                                                                                                                                                                 | 71,978,568                                                                                                                                                                                                                           |
| Shares outstanding                                                                                      | 70,500,069                                                                                                                                                                                                                                 | 70,377,916                                                                                                                                                                                                                           |
| Treasury shares                                                                                         | 1,478,499                                                                                                                                                                                                                                  | 1,600,652                                                                                                                                                                                                                            |
| Book value per share                                                                                    | $7.32                                                                                                                                                                                                                                      | $7.40                                                                                                                                                                                                                                |
| Market value per  share                                                                                 | $14.66                                                                                                                                                                                                                                     | $12.93                                                                                                                                                                                                                               |
|                                                                                                    |                                                                                                                                                                                                                                       |                                                                                                                                                                                                                                 |

----

 

| FIRST COMMONWEALTH  FINANCIAL CORPORATION                                                                                                                                   |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------|
| CONSOLIDATED SELECTED  FINANCIAL DATA                                                                                                                                       |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| (Dollar Amounts in  Thousands)                                                                                                                                              |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
|                                                                                                                                                                        |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| ***Quarter To  Date Average Balance Sheets and***                                                                                                                           |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| ***Net Interest  Analysis At March 31,***                                                                                                                                   |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
|                                                                                                                                                                        |                                                                                                                                                                     | 2006                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               | 2005                                                                                                                                                         |                                                                                                                                             |
|                                                                                                                                                                        | Average  Balance                                                                                                                                                         | Income/  Expense                                                                                                                                             | Yield or   Rate (a)                                                                                                                        |                                                                                                                                                         | Average   Balance                                                                                                                                                  | Income/  Expense                                                                                                                                             | Yield or   Rate (a)                                                                                                                              |
| Assets                                                                                                                                                                      |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| Interest-earning  assets:                                                                                                                                                   |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
|   Time  deposits with banks                                                                                                                                       | $1,041                                                                                                                                                                   | $14                                                                                                                                                          | 5.31%                                                                                                                                      |                                                                                                                                                         | $964                                                                                                                                                               | $7                                                                                                                                                           | 3.08%                                                                                                                                            |
|   Tax free  investment securities                                                                                                                                 | 280,673                                                                                                                                                                  | 3,219                                                                                                                                                        | 7.16%                                                                                                                                      |                                                                                                                                                         | 270,945                                                                                                                                                            | 3,053                                                                                                                                                        | 7.03%                                                                                                                                            |
|   Taxable  investment securities                                                                                                                                  | 1,574,530                                                                                                                                                                | 18,188                                                                                                                                                       | 4.68%                                                                                                                                      |                                                                                                                                                         | 1,923,907                                                                                                                                                          | 19,982                                                                                                                                                       | 4.21%                                                                                                                                            |
|   Federal  funds sold                                                                                                                                             | 4,162                                                                                                                                                                    | 46                                                                                                                                                           | 4.53%                                                                                                                                      |                                                                                                                                                         | 659                                                                                                                                                                | 4                                                                                                                                                            | 2.46%                                                                                                                                            |
|   Loans,  net of unearned income (b)(c)(d)                                                                                                                        | 3,650,953                                                                                                                                                                | 58,314                                                                                                                                                       | 6.68%                                                                                                                                      |                                                                                                                                                         | 3,542,655                                                                                                                                                          | 52,591                                                                                                                                                       | 6.21%                                                                                                                                            |
|       Total  interest-earning assets                                                                                                          | 5,511,359                                                                                                                                                                | 79,781                                                                                                                                                       | 6.13%                                                                                                                                      |                                                                                                                                                         | 5,739,130                                                                                                                                                          | 75,637                                                                                                                                                       | 5.58%                                                                                                                                            |
|                                                                                                                                                                        |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| Noninterest-earning  assets:                                                                                                                                                |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
|   Cash                                                                                                                                                            | 77,807                                                                                                                                                                   |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | 78,997                                                                                                                                                             |                                                                                                                                                         |                                                                                                                                             |
|   Allowance  for credit losses                                                                                                                                    | (40,282)                                                                                                                                                                 |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | (42,024)                                                                                                                                                           |                                                                                                                                                         |                                                                                                                                             |
|   Other  assets                                                                                                                                                   | 426,722                                                                                                                                                                  |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | 422,736                                                                                                                                                            |                                                                                                                                                         |                                                                                                                                             |
|       Total  noninterest-earning assets                                                                                                       | 464,247                                                                                                                                                                  |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | 459,709                                                                                                                                                            |                                                                                                                                                         |                                                                                                                                             |
|         Total  Assets                                                                                                               | $5,975,606                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | $6,198,839                                                                                                                                                         |                                                                                                                                                         |                                                                                                                                             |
|                                                                                                                                                                        |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| Liabilities and  Shareholders' Equity                                                                                                                                       |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| Interest-bearing  liabilities:                                                                                                                                              |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
|   Interest-bearing  demand deposits (e)                                                                                                                           | $558,100                                                                                                                                                                 | $1,913                                                                                                                                                       | 1.39%                                                                                                                                      |                                                                                                                                                         | $562,152                                                                                                                                                           | $949                                                                                                                                                         | 0.68%                                                                                                                                            |
|   Savings  deposits (e)                                                                                                                                           | 1,179,984                                                                                                                                                                | 4,982                                                                                                                                                        | 1.71%                                                                                                                                      |                                                                                                                                                         | 1,261,576                                                                                                                                                          | 3,647                                                                                                                                                        | 1.17%                                                                                                                                            |
|   Time  deposits                                                                                                                                                  | 1,773,440                                                                                                                                                                | 16,489                                                                                                                                                       | 3.77%                                                                                                                                      |                                                                                                                                                         | 1,580,456                                                                                                                                                          | 11,906                                                                                                                                                       | 3.06%                                                                                                                                            |
|   Short-term  borrowings                                                                                                                                          | 630,035                                                                                                                                                                  | 6,364                                                                                                                                                        | 4.10%                                                                                                                                      |                                                                                                                                                         | 916,021                                                                                                                                                            | 5,558                                                                                                                                                        | 2.46%                                                                                                                                            |
|   Long-term  debt                                                                                                                                                 | 796,961                                                                                                                                                                  | 8,586                                                                                                                                                        | 4.37%                                                                                                                                      |                                                                                                                                                         | 838,378                                                                                                                                                            | 8,645                                                                                                                                                        | 4.18%                                                                                                                                            |
|     Total  interest-bearing liabilities                                                                                                                 | 4,938,520                                                                                                                                                                | 38,334                                                                                                                                                       | 3.15%                                                                                                                                      |                                                                                                                                                         | 5,158,583                                                                                                                                                          | 30,705                                                                                                                                                       | 2.41%                                                                                                                                            |
|                                                                                                                                                                        |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| Noninterest-bearing  liabilities and capital:                                                                                                                               |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
|   Noninterest-bearing  demand deposits (e)                                                                                                                        | 480,733                                                                                                                                                                  |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | 478,653                                                                                                                                                            |                                                                                                                                                         |                                                                                                                                             |
|   Other  liabilities                                                                                                                                              | 28,770                                                                                                                                                                   |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | 24,158                                                                                                                                                             |                                                                                                                                                         |                                                                                                                                             |
|   Shareholders'  equity                                                                                                                                           | 527,583                                                                                                                                                                  |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | 537,445                                                                                                                                                            |                                                                                                                                                         |                                                                                                                                             |
|       Total  noninterest-bearing funding sources                                                                                              | 1,037,086                                                                                                                                                                |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | 1,040,256                                                                                                                                                          |                                                                                                                                                         |                                                                                                                                             |
|         Total  Liabilities and Shareholders' Equity                                                                                 | $5,975,606                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         | $6,198,839                                                                                                                                                         |                                                                                                                                                         |                                                                                                                                             |
|                                                                                                                                                                        |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |
| Net Interest Income  and Net Yield on Interest-Earning Assets                                                                                                               |                                                                                                                                                                     | $41,447                                                                                                                                                      | 3.31%                                                                                                                                      |                                                                                                                                                         |                                                                                                                                                               | $44,932                                                                                                                                                      | 3.41%                                                                                                                                            |
|                                                                                                                                                                        |                              |                            |                         |                            |                             |                            |                          |
| (a) Yields on  interest-earning assets have been computed on a tax equivalent basis using  the 35% Federal income tax statutory rate.                                       |
| (b) Average balance  includes loans held for sale.                                                                                                                          |
| (c) Income on  nonaccrual loans is accounted for on the cash basis, and the loan balances  are included in interest-earning assets.                                         |
| (d) Loan income  includes net loan fees.                                                                                                                                    |
| (e) Average balances  do not include reallocations from noninterest-bearing demand deposits and  interest-bearing demand deposits into savings deposits which were made for |
| **      **regulatory purposes.                                                                                                                |
|                                                                                                                                                                        |                                                                                                                                                                     |                                                                                                                                                         |                                                                                                                                       |                                                                                                                                                         |                                                                                                                                                               |                                                                                                                                                         |                                                                                                                                             |

----

 

| FIRST COMMONWEALTH  FINANCIAL CORPORATION                                                                                          |                  |       |
|------------------------------------------------------------------------------------------------------------------------------------|-----------------------|------------|
| CONSOLIDATED SELECTED  FINANCIAL DATA                                                                                              |                  |       |
| (Dollar Amounts in  Thousands)                                                                                                     |                  |       |
|                                                                                                                               |                  |       |
| ***Asset  Quality Data At March 31,***                                                                                             |                  |       |
|                                                                                                                               | 2006                  | 2005       |
| Loans on nonaccrual  basis                                                                                                         | $14,599               | $11,200    |
| Past due loans                                                                                                                     | 14,305                | 16,846     |
| Renegotiated loans                                                                                                                 | 170                   | 182        |
|      Total  nonperforming loans                                                                           | $29,074               | $28,228    |
| Loans outstanding at  end of period (a)                                                                                            | $3,652,087            | $3,554,441 |
| Average loans  outstanding(year-to-date) (a)                                                                                       | $3,650,953            | $3,542,655 |
| Allowance for credit  losses                                                                                                       | $38,017               | $40,794    |
| Nonperforming loans  as percent of total loans                                                                                     | 0.80%                 | 0.79%      |
| Net  charge-offs(year-to-date)                                                                                                     | $2,383                | $2,013     |
| Net charge-offs as  percent of average loans (annualized)                                                                          | 0.26%                 | 0.23%      |
| Allowance for credit  losses as percent of average loans                                                                           |                  |       |
|    outstanding                                                                                                      | 1.04%                 | 1.15%      |
| Allowance for  credit losses as percent of nonperforming                                                                      |                  |       |
|    loans                                                                                                            | 130.76%               | 144.52%    |
| Other real estate  owned                                                                                                           | $1,499                | $1,463     |
|                                                                                                                               |                  |       |
| (a) Includes loans  held for sale                                                                                                  |                  |       |
|                                                                                                                               |                  |       |
|                                                                                                                               |                  |       |
| ***Profitability  Ratios***                                                                                                        |                  |       |
|                                                                                                                               | For the Quarter Ended |
|                                                                                                                               | March 31,             |
|                                                                                                                               | 2006                  | 2005       |
| Return on average  assets                                                                                                          | 0.88%                 | 1.00%      |
| Return on average  equity                                                                                                          | 9.95%                 | 11.48%     |
| Efficiency ratio  (FTE) (a)                                                                                                        | 64.35%                | 59.35%     |
| Fully tax equivalent  adjustment                                                                                                   | $3,570                | $3,267     |
|                                                                                                                               |                  |       |
| (a) Efficiency  ratio is "total other expenses" as a percentage of total revenue.                                        |
| Total revenue  consists of "net interest income, on a fully tax-equivalent basis,"  plus "total other income." |

----