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

                                              Form 13F

                                     Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:   March 31, 2002

Check here if Amendment [ ]: Amendment Number:

This Amendment (Check only one): [] is a restatement

                                [  ] adds new holdings entries

Institutional Investment Manager Filing this Report:

Name:       First Commonwealth Financial Corporation
Address:   22 North Sixth Street
           Indiana, PA, 15701

Form 13F File Number:28-05151

The institutional investment manager filing this report and the person
by whom it is signed hereby represent that the person signing the report is
authorized to submit it, that all information contained herein is true,
correct and complete, and it is understood that all required items,
statements, schedules, lists, and tables, are considered integral parts of
this form.

Person Signing this Report on Behalf of Reporting Manager:

Name:      John J. Dolan
Title:     Executive Vice President and Chief Financial Officer
Phone:     (724) 349-7220

Signature,Place, and Date of Signing:

/s/ John. J. Dolan

John J. Dolan,     Indiana, PA,  May 15, 2002

Report Type(check only one) :

     [x] 13F HOLDINGS REPORT (Check here if all holdings of this reporting
                     manager are reported in this report

     [ ] 13F NOTICE (Check here if no holdings reported are in this report,
        and all holdings are reported by other reporting manager(s))

     [ ] 13F COMBINATION REPORT (Check here if a portion of the holdings
         for this reporting manager are reported in this report and a
         portion are reported by other reporting manager(s).)

<PAGE>

                                 Form 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:  1

Form 13F Information Table Entry Total: 231

Form 13F Information Table Value Total: $153,024    (thousands)

List of Other Included Managers:

Provide a numbered list of the name(s) and Form 13F file number(s) of all
institutional investment managers with respect to which this report is
filed, other than the manager filing this report.

Number:   1

Form 13F File Number:28-05153

Name:    First Commonwealth Trust Company


<PAGE>

<TABLE>
                                            FORM 13F INFORMATION TABLE

<CAPTION>
            COLUMN  1               COL 2     COL 3     COL 4        COLUMN 5       COL 6     COL 7         COLUMN 8
                                    TITLE               MARKET
                                      OF                VALUE    SHS OR  SH/ PUT/ INVESTMENT  OTHER                 VOTING AUTHORI
ISSUER                              CLASS      CUSIP  (X$1000)  PRN AMT  PRN CALL DISCRETION MANAGERS   SOLE     SHARED    NONE
<S>                               <C>       <C>       <C>      <C>       <C> <C> <C>         <C>     <C>       <C>       <C>

ABBOTT LABORATORIES                 Common  002824100      793    15,083 SH        DEFINED         1    15,083         0        0
ABBOTT LABORATORIES                 Common  002824100       21       400 SH         OTHER          1       400         0        0
ALCOA INC.                          Common  013817101      730    19,350 SH        DEFINED         1    19,350         0        0
ALCOA INC.                          Common  013817101      145     3,850 SH         OTHER          1     3,850         0        0
ALLEGHENY ENERGY INC                Common  017361106      259     6,254 SH        DEFINED         1     6,254         0        0
ALLEGHENY ENERGY INC                Common  017361106        8       200 SH         OTHER          1       200         0        0
ALLSTATE CORP                       Common  020002101      749    19,828 SH        DEFINED         1    19,828         0        0
ALLSTATE CORP                       Common  020002101      237     6,262 SH         OTHER          1     6,262         0        0
ALLTEL CORP                         Common  020039103      408     7,352 SH        DEFINED         1     5,306     2,046        0
ALLTEL CORP                         Common  020039103      409     7,366 SH         OTHER          1       500     6,866        0
AMERICAN EAGLE OUTFITTERS           Common  02553E106      266    10,725 SH        DEFINED         1    10,725         0        0
AMERICAN EAGLE OUTFITTERS           Common  02553E106        4       175 SH         OTHER          1       175         0        0
AMERICAN EXPRESS CO                 Common  025816109      276     6,742 SH        DEFINED         1     6,742         0        0
AMERICAN INTERNATIONAL GROUP        Common  026874107    1,093    15,152 SH        DEFINED         1    15,152         0        0
AMERICAN INTERNATIONAL GROUP        Common  026874107      121     1,681 SH         OTHER          1     1,681         0        0
AMGEN INC                           Common  031162100      753    12,610 SH        DEFINED         1    12,610         0        0
AMGEN INC                           Common  031162100       22       375 SH         OTHER          1       375         0        0
ANHEUSER BUSCH COS INC              Common  035229103    1,176    22,525 SH        DEFINED         1    22,525         0        0
ANHEUSER BUSCH COS INC              Common  035229103       76     1,450 SH         OTHER          1     1,450         0        0
AOL TIME WARNER INC                 Common  00184A105      727    30,758 SH        DEFINED         1    30,758         0        0
AOL TIME WARNER INC                 Common  00184A105       51     2,150 SH         OTHER          1     2,150         0        0
APACHE CORP                         Common  037411105      366     6,432 SH        DEFINED         1     6,432         0        0
APACHE CORP                         Common  037411105       14       250 SH         OTHER          1         0       250        0
APPLIED MATLS INC                   Common  038222105      912    16,800 SH        DEFINED         1    16,800         0        0
APPLIED MATLS INC                   Common  038222105       81     1,500 SH         OTHER          1     1,500         0        0
AT&T CORP COMMON                    Common  001957109      318    20,270 SH        DEFINED         1    20,182        88        0
AT&T CORP COMMON                    Common  001957109      129     8,234 SH         OTHER          1     7,719       515        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      658    11,292 SH        DEFINED         1    11,292         0        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      128     2,200 SH         OTHER          1     2,200         0        0
BANK OF AMERICA CORP                Common  060505104      568     8,348 SH        DEFINED         1     8,348         0        0
BANK OF AMERICA CORP                Common  060505104       61       900 SH         OTHER          1       900         0        0
BELLSOUTH CORP                      Common  079860102    1,014    27,514 SH        DEFINED         1    27,114       400        0
BELLSOUTH CORP                      Common  079860102       89     2,418 SH         OTHER          1     2,218       200        0
BERKSHIRE SECURITIES                Common  084991868      896     5,400 SH        DEFINED         1     5,400         0        0
BICO INC                            Common  088766100        2   101,100 SH        DEFINED         1   101,100         0        0
BOEING CO                           Common  097023105      594    12,320 SH        DEFINED         1    12,320         0        0
BOEING CO                           Common  097023105       81     1,669 SH         OTHER          1     1,669         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104    1,058    19,921 SH        DEFINED         1    19,921         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      461     8,676 SH         OTHER          1     6,876     1,800        0
BRISTOL MYERS SQUIB                 Common  110122108      608    15,009 SH        DEFINED         1    15,009         0        0
BRISTOL MYERS SQUIB                 Common  110122108       45     1,100 SH         OTHER          1     1,100         0        0
CARDINAL HEALTH INC                 Common  14149Y108      468     6,600 SH        DEFINED         1     6,600         0        0
CARDINAL HEALTH INC                 Common  14149Y108       43       600 SH         OTHER          1       600         0        0
CATERPILLAR INC                     Common  149123101      440     7,732 SH        DEFINED         1     7,732         0        0
CATERPILLAR INC                     Common  149123101       16       275 SH         OTHER          1       275         0        0
CHEVRON TEXACO CORP                 Common  166764100      444     4,922 SH        DEFINED         1     4,152         0      770
CHEVRON TEXACO CORP                 Common  166764100      216     2,395 SH         OTHER          1     1,995         0      400
CISCO SYSTEMS                       Common  17275R102      864    51,036 SH        DEFINED         1    51,036         0        0
CISCO SYSTEMS                       Common  17275R102      142     8,400 SH         OTHER          1     8,400         0        0
CITIGROUP INC                       Common  172967101    1,223    24,692 SH        DEFINED         1    24,692         0        0
CITIGROUP INC                       Common  172967101       99     1,992 SH         OTHER          1     1,490       502        0
CNB FINANCIAL CORP.                 Common  126128107      237     9,360 SH        DEFINED         1     9,360         0        0
CNB FINANCIAL CORP/PA               Common  126128107      626    24,678 SH        DEFINED              24,678         0        0
COCA COLA CO                        Common  191216100      296     5,662 SH        DEFINED         1     5,462       200        0
COMPAQ COMPUTER CORP                Common  204493100      283    27,100 SH        DEFINED         1    27,100         0        0
COMPAQ COMPUTER CORP                Common  204493100       33     3,183 SH         OTHER          1     3,183         0        0
CORNING INC                         Common  219350105      203    26,675 SH        DEFINED         1    26,675         0        0
CORNING INC                         Common  219350105        5       600 SH         OTHER          1       600         0        0
CROWN AMERICAN REALTY TRUST         Common  228186102      213    21,860 SH        DEFINED         1    21,860         0        0
DOW CHEMICAL COMPANY                Common  260543103      177     5,399 SH        DEFINED         1     5,399         0        0
DOW CHEMICAL COMPANY                Common  260543103       52     1,596 SH         OTHER          1     1,596         0        0
DUPONT DE NEMOUR                    Common  263534109      859    18,225 SH        DEFINED         1    18,225         0        0
DUPONT DE NEMOUR                    Common  263534109      132     2,800 SH         OTHER          1     1,000     1,800        0
DYNEGY INC NEW                      Common  26816Q101      403    13,900 SH        DEFINED         1    13,900         0        0
DYNEGY INC NEW                      Common  26816Q101        4       125 SH         OTHER          1       125         0        0
EL PASO CORPORATION                 Common  28336L109      348     7,901 SH        DEFINED         1     7,901         0        0
EL PASO CORPORATION                 Common  28336L109        4       100 SH         OTHER          1       100         0        0
EMBRYO DEVELOPMENT CORP             Common  290818103        0    15,000 SH        DEFINED         1    15,000         0        0
EMC CORP                            Common  268648102      222    18,600 SH        DEFINED         1    18,600         0        0
EMC CORP                            Common  268648102       39     3,250 SH         OTHER          1     3,250         0        0
EMERSON ELECTRIC CO                 Common  291011104       17       300 SH        DEFINED         1       300         0        0
EMERSON ELECTRIC CO                 Common  291011104      558     9,730 SH         OTHER          1     9,730         0        0
ESB FINANCIAL CORP                  Common  26884F102       68     6,000 SH        DEFINED               6,000         0        0
EXXON MOBIL CORP                    Common  30231G102    3,740    85,336 SH        DEFINED         1    85,336         0        0
EXXON MOBIL CORP                    Common  30231G102    2,590    59,094 SH         OTHER          1    42,948    16,146        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      872    10,920 SH        DEFINED         1    10,920         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      128     1,600 SH         OTHER          1     1,600         0        0
FIRST BELL BANCORP INC              Common  319301107      174    11,200 SH        DEFINED              11,200         0        0
FIRST COLONIAL GROUP INC            Common  319734109      827    35,555 SH        DEFINED              35,555         0        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107   21,138 1,596,507 SH        DEFINED         1 1,588,161     8,346        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107    3,077   232,408 SH         OTHER          1   179,598    52,810        0
FORTUNE BRANDS INC                  Common  349631101      194     3,932 SH        DEFINED         1     3,932         0        0
FORTUNE BRANDS INC                  Common  349631101      143     2,900 SH         OTHER          1     2,900         0        0
FULTON FINANCIAL CORP               Common  360271100       25     1,000 SH        DEFINED               1,000         0        0
GA FINANCIAL INC                    Common  361437106    1,552    90,000 SH        DEFINED              90,000         0        0
GALLAHER GROUP PLC-SPON ADR         Common  363595109      121     3,932 SH        DEFINED         1     3,932         0        0
GALLAHER GROUP PLC-SPON ADR         Common  363595109       89     2,900 SH         OTHER          1     2,900         0        0
GENERAL ELECTRIC                    Common  369604103    3,640    97,207 SH        DEFINED         1    97,207         0        0
GENERAL ELECTRIC                    Common  369604103    4,980   132,990 SH         OTHER          1   129,610     3,380        0
GENERAL MILLS INC                   Common  370334104      157     3,220 SH        DEFINED         1     3,220         0        0
GENERAL MILLS INC                   Common  370334104      183     3,740 SH         OTHER          1     3,740         0        0
GENERAL MOTORS CORP                 Common  370442105      227     3,758 SH        DEFINED         1     3,358         0      400
GENERAL MOTORS CORP                 Common  370442105       87     1,435 SH         OTHER          1       977       458        0
GILLETTE CO                         Common  375766102      238     6,999 SH        DEFINED         1     6,999         0        0
GILLETTE CO                         Common  375766102        7       200 SH         OTHER          1       200         0        0
HARLEY DAVIDSON INC                 Common  412822108      608    11,025 SH        DEFINED         1    11,025         0        0
HARLEY DAVIDSON INC                 Common  412822108       47       850 SH         OTHER          1       550       300        0
HOME DEPOT INC                      Common  437076102      348     7,162 SH        DEFINED         1     7,162         0        0
HOME DEPOT INC                      Common  437076102       15       300 SH         OTHER          1       300         0        0
H. J. HEINZ COMPANY                 Common  423074103      145     3,505 SH        DEFINED         1     3,505         0        0
H. J. HEINZ COMPANY                 Common  423074103      166     4,000 SH         OTHER          1     4,000         0        0
IBT BANCORP INC IRWIN PA            Common  44923F108      179     5,853 SH          SOLE                5,853         0        0
INGERSOLL-RAND COMPANY L            Common  G4776G101      300     6,000 SH         OTHER          1     6,000         0        0
INTEL CORP                          Common  458140100    1,635    53,780 SH        DEFINED         1    53,780         0        0
INTEL CORP                          Common  458140100      237     7,800 SH         OTHER          1     7,800         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,709    16,434 SH        DEFINED         1    16,434         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,546    14,865 SH         OTHER          1    14,765       100        0
JACOBS ENGR GROUP INC               Common  469814107      417     5,850 SH        DEFINED         1     5,850         0        0
JACOBS ENGR GROUP INC               Common  469814107        7       100 SH         OTHER          1       100         0        0
JOHNSON & JOHNSON                   Common  478160104    1,615    24,861 SH        DEFINED         1    24,861         0        0
JOHNSON & JOHNSON                   Common  478160104      788    12,140 SH         OTHER          1    11,740       400        0
JUNIATA VALLEY FINANCIAL CORP       Common  482016102      685    24,119 SH        DEFINED         1    24,119         0        0
JUNIPER NETWORKS INC                Common  48203R104      122     9,673 SH        DEFINED         1     9,673         0        0
JUNIPER NETWORKS INC                Common  48203R104        9       700 SH         OTHER          1       700         0        0
KRAFT FOODS INC                     Common  50075N104      329     8,500 SH        DEFINED         1     8,500         0        0
KRAFT FOODS INC                     Common  50075N104        4       100 SH         OTHER          1       100         0        0
LENNAR CORP                         Common  526057104      445     8,425 SH        DEFINED         1     8,425         0        0
LENNAR CORP                         Common  526057104        5       100 SH         OTHER          1       100         0        0
LOWES COS INC                       Common  548661107    1,047    24,071 SH        DEFINED         1    24,071         0        0
LOWES COS INC                       Common  548661107      146     3,350 SH         OTHER          1     3,050       300        0
LUCENT TECHNOLOGIES INC             Common  549463107      120    25,332 SH        DEFINED         1    25,256        76        0
LUCENT TECHNOLOGIES INC             Common  549463107       28     5,911 SH         OTHER          1     5,631       280        0
MBNA CORP                           Common  55262L100      441    11,429 SH        DEFINED         1    11,429         0        0
MBNA CORP                           Common  55262L100      160     4,150 SH         OTHER          1     4,150         0        0
MCDONALDS CORP                      Common  580135101      336    12,120 SH        DEFINED         1    12,120         0        0
MCDONALDS CORP                      Common  580135101       76     2,726 SH         OTHER          1     2,726         0        0
MELLON FINANCIAL CORP               Common  58551A108      816    21,134 SH        DEFINED         1    21,134         0        0
MELLON FINANCIAL CORP               Common  58551A108      310     8,045 SH         OTHER          1     4,300     3,745        0
MERCK & COMPANY INC                 Common  589331107    2,260    39,247 SH        DEFINED         1    39,247         0        0
MERCK & COMPANY INC                 Common  589331107    1,999    34,724 SH         OTHER          1    33,924       800        0
MERRILL LYNCH & CO                  Common  590188108    1,400    25,275 SH        DEFINED         1    25,275         0        0
MERRILL LYNCH & CO                  Common  590188108      199     3,600 SH         OTHER          1     3,600         0        0
MICROSOFT CORP                      Common  594918104    1,138    18,872 SH        DEFINED         1    18,872         0        0
MICROSOFT CORP                      Common  594918104      133     2,200 SH         OTHER          1     2,200         0        0
MINNESOTA MINING & MANUF            Common  604059105      732     6,365 SH        DEFINED         1     6,365         0        0
MINNESOTA MINING & MANUF            Common  604059105      641     5,570 SH         OTHER          1     5,470       100        0
MORGAN STANLEY DEAN WITT            Common  617446448      268     4,680 SH         OTHER          1     4,680         0        0
NATL PENN BCSHS INC                 Common  637138108      859    34,982 SH        DEFINED              34,982         0        0
NEW MEXICO BANQUEST                 Common  647991926      749     7,207 SH        DEFINED         1     7,207         0        0
NEW MEXICO BANQUEST                 Common  647991926       78       754 SH         OTHER          1       754         0        0
NEWELL RUBBERMAID INC               Common  651229106      245     7,668 SH        DEFINED         1     7,668         0        0
NITTANY FINANCIAL CORP              Common  65480R102      139    12,100 SH          SOLE               12,100         0        0
NOBLE DRILLING CORP                 Common  655042109      241     5,825 SH        DEFINED         1     5,825         0        0
NORTH PITTSBURGH SYS INC            Common  661562108    1,179    84,270 SH         OTHER          1    65,600    18,670        0
NOVELLUS SYSTEMS INC                Common  670008101      918    16,950 SH        DEFINED         1    16,950         0        0
NOVELLUS SYSTEMS INC                Common  670008101       27       500 SH         OTHER          1       500         0        0
OMEGA FINANCIAL CORP                Common  682092101    1,024    31,479 SH        DEFINED              31,479         0        0
ORACLE CORP                         Common  68389X105      700    54,695 SH        DEFINED         1    54,695         0        0
ORACLE CORP                         Common  68389X105       59     4,600 SH         OTHER          1     4,600         0        0
P P G INDUSTRIES INC                Common  693506107      442     8,047 SH        DEFINED         1     8,047         0        0
P P G INDUSTRIES INC                Common  693506107    1,735    31,590 SH         OTHER          1    24,540     7,050        0
PARKVALE FINANCIAL CORP             Common  701492100    2,914   116,100 SH        DEFINED             116,100         0        0
PENNROCK FINAN SERVICES CORP        Common  708352109      235     8,400 SH        DEFINED               8,400         0        0
PENNZOIL-QUAKER ST CO               Common  709323109      528    24,612 SH         OTHER          1    24,612         0        0
PEPSICO INCORPORATED                Common  713448108    1,857    36,054 SH        DEFINED         1    36,054         0        0
PEPSICO INCORPORATED                Common  713448108    1,125    21,850 SH         OTHER          1    21,450       400        0
PFIZER INC                          Common  717081103    3,276    82,433 SH        DEFINED         1    82,433         0        0
PFIZER INC                          Common  717081103    1,125    28,312 SH         OTHER          1    28,312         0        0
PHILIP MORRIS CO                    Common  718154107      729    13,850 SH        DEFINED         1    13,850         0        0
PHILIP MORRIS CO                    Common  718154107    1,793    34,040 SH         OTHER          1    34,040         0        0
PNC BANK CORP                       Common  693475105      671    10,905 SH        DEFINED         1    10,355         0      550
PNC BANK CORP                       Common  693475105      223     3,628 SH         OTHER          1     3,628         0        0
PNC FINANCIAL SERVICES GROUP        Common  693475105    3,997    65,000 SH        DEFINED              65,000         0        0
PPL CORP                            Common  69351T106      409    10,315 SH        DEFINED         1    10,315         0        0
PPL CORP                            Common  69351T106      230     5,800 SH         OTHER          1     5,800         0        0
PRICE T ROWE GROUP INC              Common  74144T108      512    13,140 SH        DEFINED         1    13,140         0        0
PRICE T ROWE GROUP INC              Common  74144T108        6       150 SH         OTHER          1       150         0        0
PROCTER & GAMBLE CO                 Common  742718109    2,212    24,551 SH        DEFINED         1    24,551         0        0
PROCTER & GAMBLE CO                 Common  742718109    2,005    22,250 SH         OTHER          1    22,050       200        0
PROMISTAR FINL CORP                 Common  74342Y107       20       803 SH        DEFINED         1       803         0        0
PROMISTAR FINL CORP                 Common  74342Y107      278    11,250 SH         OTHER          1    11,250         0        0
PUBLIC SERV ELEC GAS                Common  744573106       46     1,004 SH        DEFINED         1     1,004         0        0
PUBLIC SERV ELEC GAS                Common  744573106      306     6,680 SH         OTHER          1     6,680         0        0
QUALCOMM INC                        Common  747525103      295     7,850 SH        DEFINED         1     7,850         0        0
QUALCOMM INC                        Common  747525103       11       300 SH         OTHER          1       300         0        0
RENT WAY INC                        Common  76009U104       85    10,000 SH        DEFINED         1    10,000         0        0
ROCKWELL COLLINS INC                Common  774341101      140     5,567 SH        DEFINED         1     5,567         0        0
ROCKWELL COLLINS INC                Common  774341101       68     2,688 SH         OTHER          1     2,688         0        0
ROHM & HAAS CO                      Common  775371107      192     4,550 SH        DEFINED         1     4,550         0        0
ROHM & HAAS CO                      Common  775371107       15       350 SH         OTHER          1       350         0        0
ROYAL BANCSHARES OF PENN-A          Common  780081105      647    32,376 SH        DEFINED              32,376         0        0
ROYAL DUTCH PETROLEUM NY            Common  780257804      331     6,100 SH        DEFINED         1     6,100         0        0
ROYAL DUTCH PETROLEUM NY            Common  780257804       54       991 SH         OTHER          1       991         0        0
S & T BANCORP INC                   Common  783859101    1,894    74,401 SH        DEFINED              74,401         0        0
S & T BANCORP INC                   Common  783859101    1,754    68,923 SH        DEFINED         1    68,923         0        0
S & T BANCORP INC                   Common  783859101      765    30,046 SH         OTHER          1    30,046         0        0
SBC COMMUNICATIONS INC              Common  78387G103      608    16,242 SH        DEFINED         1    16,242         0        0
SBC COMMUNICATIONS INC              Common  78387G103      304     8,118 SH         OTHER          1     8,118         0        0
SCHERING-PLOUGH CORP                Common  806605101      309     9,877 SH        DEFINED         1     9,877         0        0
SCHERING-PLOUGH CORP                Common  806605101       13       400 SH         OTHER          1       400         0        0
SCHLUMBERGER LTD                    Common  806857108      666    11,317 SH        DEFINED         1    11,317         0        0
SCHLUMBERGER LTD                    Common  806857108       85     1,450 SH         OTHER          1     1,350       100        0
SEARS,ROEBUCK & CO                  Common  812387108      299     5,825 SH        DEFINED         1     5,825         0        0
SEARS,ROEBUCK & CO                  Common  812387108      159     3,100 SH         OTHER          1     3,100         0        0
SOLECTRON CORP                      Common  834182107      228    29,280 SH        DEFINED         1    29,280         0        0
SOLECTRON CORP                      Common  834182107       17     2,200 SH         OTHER          1     2,200         0        0
SOUTHWEST AIRLINES                  Common  844741108      335    17,319 SH        DEFINED         1    17,319         0        0
SOUTHWEST AIRLINES                  Common  844741108       21     1,087 SH         OTHER          1       887       200        0
ST JUDE MED INC COM                 Common  790849103      307     3,975 SH        DEFINED         1     3,975         0        0
SUN BANCORP INC                     Common  866634108      481    27,150 SH        DEFINED              27,150         0        0
SUNMICRO SYSTEMS                    Common  866810104      369    41,815 SH        DEFINED         1    41,815         0        0
SUNMICRO SYSTEMS                    Common  866810104       61     6,900 SH         OTHER          1     6,900         0        0
SUNOCO INC COM                      Common  86764P109      322     8,050 SH        DEFINED         1     8,050         0        0
SUSQUEHANNA BANC SHS                Common  869099101    1,279    52,242 SH        DEFINED         1    52,242         0        0
SUSQUEHANNA BANCSHARES INC          Common  869099101    2,007    82,000 SH        DEFINED              82,000         0        0
TARGET CORP                         Common  87612E106    1,427    33,100 SH        DEFINED         1    33,100         0        0
TARGET CORP                         Common  87612E106      225     5,225 SH         OTHER          1     5,225         0        0
TEXAS INSTRUMENTS INC               Common  882508104      327     9,886 SH        DEFINED         1     9,886         0        0
TEXAS INSTRUMENTS INC               Common  882508104       50     1,500 SH         OTHER          1     1,500         0        0
THREE RIVERS BANCORP INC            Common  88562Q107    1,154    85,200 SH        DEFINED              85,200         0        0
TYCO INTERNATIONAL LTD              Common  902124106      894    27,670 SH        DEFINED         1    27,670         0        0
TYCO INTERNATIONAL LTD              Common  902124106       22       675 SH         OTHER          1       600        75        0
UNION PACIFIC CORP                  Common  907818108      221     3,550 SH        DEFINED         1     3,550         0        0
UNION PACIFIC CORP                  Common  907818108        3        50 SH         OTHER          1         0        50        0
UPSIDE DEVELOPMENT INC C            Common  91673P109        1    60,000 SH        DEFINED         1    60,000         0        0
VERIZON COMMUNICATIONS              Common  92343V104    2,491    54,025 SH        DEFINED         1    54,025         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,606    34,829 SH         OTHER          1    30,157     4,672        0
VIACOM INC. NEW                     Common  925524308      342     7,070 SH        DEFINED         1     7,070         0        0
VIACOM INC. NEW                     Common  925524308       15       304 SH         OTHER          1       304         0        0
VIRAGEN INC                         Common  927638106        8    10,000 SH        DEFINED         1    10,000         0        0
VODAFONE GROUP PLC NEW-S            Common  92857W100       81     4,390 SH        DEFINED         1     4,390         0        0
VODAFONE GROUP PLC NEW-S            Common  92857W100      160     8,682 SH         OTHER          1     8,682         0        0
WACHOVIA CORP                       Common  929903102      697    18,806 SH        DEFINED         1    18,806         0        0
WAL-MART STORES INC                 Common  931142103    1,283    20,926 SH        DEFINED         1    20,926         0        0
WAL-MART STORES INC                 Common  931142103       77     1,250 SH         OTHER          1     1,250         0        0
WELLS FARGO & CO                    Common  949746101      836    16,920 SH        DEFINED         1    16,920         0        0
WELLS FARGO & CO                    Common  949746101       69     1,400 SH         OTHER          1     1,400         0        0
WORLDCOM INC                        Common  98157D106       85    12,646 SH        DEFINED         1    12,646         0        0
WORLDCOM INC                        Common  98157D106        8     1,250 SH         OTHER          1     1,250         0        0
WYETH COM                           Common  983024100      752    11,459 SH        DEFINED         1    10,259         0    1,200
WYETH COM                           Common  983024100      236     3,600 SH         OTHER          1     3,600         0        0

GRAND TOTALS                                           153,024



</TABLE>