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

                                              Form 13F

                                     Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:   September 30, 2002

Check here if Amendment [ ]: Amendment Number:

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

                                [  ] adds new holdings entries

Institutional Investment Manager Filing this Report:

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

Form 13F File Number:28-05151

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

Person Signing this Report on Behalf of Reporting Manager:

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

Signature,Place, and Date of Signing:

/s/ John. J. Dolan

John J. Dolan,     Indiana, PA,  November 1, 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: 201

Form 13F Information Table Value Total: $121,510    (thousands)

List of Other Included Managers:

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

Number:   1

Form 13F File Number:28-05153

Name:    First Commonwealth Trust Company


<PAGE>

<TABLE>
                                            FORM 13F INFORMATION TABLE

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

3M CO                               Common  88579Y101      535      4865 SH        DEFINED         1     4,865         0        0
3M CO                               Common  88579Y101      592      5380 SH         OTHER          1     5,380         0        0
ABBOTT LABORATORIES                 Common  002824100      242      5983 SH        DEFINED         1     5,983         0        0
ABBOTT LABORATORIES                 Common  002824100        8       200 SH         OTHER          1       200         0        0
ALCOA INC.                          Common  013817101      354     18350 SH        DEFINED         1    18,350         0        0
ALCOA INC.                          Common  013817101       69      3550 SH         OTHER          1     3,550         0        0
ALLSTATE CORP                       Common  020002101      714     20078 SH        DEFINED         1    20,078         0        0
ALLSTATE CORP                       Common  020002101      242      6818 SH         OTHER          1     6,818         0        0
ALLTEL CORP                         Common  020039103      310      7727 SH        DEFINED         1     5,681     2,046        0
ALLTEL CORP                         Common  020039103      296      7366 SH         OTHER          1       500     6,866        0
AMERICAN EAGLE OUTFITTERS INC       Common  02553E106      140     11625 SH        DEFINED         1    11,625         0        0
AMERICAN EAGLE OUTFITTERS INC       Common  02553E106        2       175 SH         OTHER          1       175         0        0
AMERICAN EXPRESS CO                 Common  025816109      210      6742 SH        DEFINED         1     6,742         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107      884     16152 SH        DEFINED         1    16,152         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107       97      1781 SH         OTHER          1     1,781         0        0
AMGEN INC                           Common  031162100      624     14964 SH        DEFINED         1    14,964         0        0
AMGEN INC                           Common  031162100       16       375 SH         OTHER          1       375         0        0
ANHEUSER BUSCH COS INC              Common  035229103    1,173     23175 SH        DEFINED         1    23,175         0        0
ANHEUSER BUSCH COS INC              Common  035229103       83      1650 SH         OTHER          1     1,650         0        0
AOL TIME WARNER INC                 Common  00184A105      386     33008 SH        DEFINED         1    33,008         0        0
AOL TIME WARNER INC                 Common  00184A105       25      2150 SH         OTHER          1     2,150         0        0
APACHE CORP                         Common  037411105      510      8582 SH        DEFINED         1     8,582         0        0
APACHE CORP                         Common  037411105       15       250 SH         OTHER          1                 250        0
APPLIED MATLS INC                   Common  038222105      129     11200 SH        DEFINED         1    11,200         0        0
APPLIED MATLS INC                   Common  038222105       28      2400 SH         OTHER          1     2,400         0        0
AT&T CORP COMMON                    Common  001957109      233     19440 SH        DEFINED         1    19,352        88        0
AT&T CORP COMMON                    Common  001957109      124     10361 SH         OTHER          1     9,846       515        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      527     15152 SH        DEFINED         1    15,152         0        0
AUTOMATIC DATA PROCESSING INC       Common  053015103       83      2400 SH         OTHER          1     2,400         0        0
BANK OF AMERICA CORP COM            Common  060505104      638      9998 SH        DEFINED         1     9,998         0        0
BANK OF AMERICA CORP COM            Common  060505104       57       900 SH         OTHER          1       900         0        0
BELLSOUTH CORP                      Common  079860102      488     26583 SH        DEFINED         1    26,183       400        0
BELLSOUTH CORP                      Common  079860102       78      4263 SH         OTHER          1     4,063       200        0
BERKSHIRE SECURITIES                Common  084991868      972      5400 SH        DEFINED         1     5,400         0        0
BICO INC COM                        Common  088766100        0    101100 SH        DEFINED         1   101,100         0        0
BOEING CO                           Common  097023105      497     14564 SH        DEFINED         1    14,564         0        0
BOEING CO                           Common  097023105       67      1969 SH         OTHER          1     1,969         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      613     15352 SH        DEFINED         1    15,352         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      283      7101 SH         OTHER          1     6,099     1,002        0
BRISTOL MYERS SQUIB                 Common  110122108      304     12759 SH        DEFINED         1    12,759         0        0
BRISTOL MYERS SQUIB                 Common  110122108       36      1500 SH         OTHER          1     1,500         0        0
CARDINAL HEALTH INC                 Common  14149Y108      591      9496 SH        DEFINED         1     9,496         0        0
CARDINAL HEALTH INC                 Common  14149Y108       57       922 SH         OTHER          1       922         0        0
CATERPILLAR INC                     Common  149123101      345      9282 SH        DEFINED         1     9,282         0        0
CATERPILLAR INC                     Common  149123101       21       575 SH         OTHER          1       575         0        0
CHEVRON TEXACO CORP                 Common  166764100      364      5250 SH        DEFINED         1     4,480         0      770
CHEVRON TEXACO CORP                 Common  166764100      166      2395 SH         OTHER          1     1,995         0      400
CISCO SYSTEMS                       Common  17275R102      516     49236 SH        DEFINED         1    49,236         0        0
CISCO SYSTEMS                       Common  17275R102       86      8200 SH         OTHER          1     8,200         0        0
CITIGROUP INC COM                   Common  172967101      763     25737 SH        DEFINED         1    25,737         0        0
CITIGROUP INC COM                   Common  172967101       59      1992 SH         OTHER          1     1,490       502        0
CNB FINANCIAL CORP.                 Common  126128107      234      9360 SH        DEFINED         1     9,360         0        0
CNB FINANCIAL CORP/PA               Common  126128107    1,167    46,678 SH        DEFINED              46,678         0        0
COCA COLA CO                        Common  191216100      211      4392 SH        DEFINED         1     4,192       200        0
CORNING INC COM                     Common  219350105       40     25225 SH        DEFINED         1    25,225         0        0
CORNING INC COM                     Common  219350105        1       600 SH         OTHER          1       600         0        0
CROWN AMERICAN REALTY TRUST         Common  228186102      190     20660 SH        DEFINED         1    20,660         0        0
CTC COMMUNICATIONS GROUP INC        Common  126419100        1     10000 SH        DEFINED         1    10,000         0        0
DUPONT DE NEMOUR                    Common  263534109      441     12227 SH        DEFINED         1    12,227         0        0
DUPONT DE NEMOUR                    Common  263534109      101      2800 SH         OTHER          1     1,000     1,800        0
EL PASO CORPORATION COM             Common  28336L109       83     10061 SH        DEFINED         1    10,061         0        0
EL PASO CORPORATION COM             Common  28336L109        1       100 SH         OTHER          1       100         0        0
EMBRYO DEVELOPMENT CORP COM         Common  290818103        0     15000 SH        DEFINED         1    15,000         0        0
EMC CORP                            Common  268648102       93     20300 SH        DEFINED         1    20,300         0        0
EMC CORP                            Common  268648102       10      2250 SH         OTHER          1     2,250         0        0
EMERSON ELECTRIC CO                 Common  291011104       13       300 SH        DEFINED         1       300         0        0
EMERSON ELECTRIC CO                 Common  291011104      428      9730 SH         OTHER          1     9,730         0        0
ESB FINANCIAL CORP                  Common  26884F102      204    17,000 SH        DEFINED              17,000         0        0
EXXON MOBIL CORP                    Common  30231G102    2,357     73888 SH        DEFINED         1    73,888         0        0
EXXON MOBIL CORP                    Common  30231G102    1,866     58508 SH         OTHER          1    30,788    27,720        0
F N B CORP PA                       Common  302520101       56      1995 SH        DEFINED         1     1,995         0        0
F N B CORP PA                       Common  302520101      318     11362 SH         OTHER          1    11,362         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      628     10545 SH        DEFINED         1    10,545         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109       95      1600 SH         OTHER          1     1,600         0        0
FIRST BELL BANCORP INC              Common  319301107      186    11,200 SH        DEFINED              11,200         0        0
FIRST COLONIAL GROUP INC            Common  319734109    1,229    49,532 SH        DEFINED              49,532         0        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107   18,670   1506840 SH        DEFINED         1   1498494     8,346        0
FIRST COMMONWEALTH FINANCIAL CO     Common  319829107    2,528    204071 SH         OTHER          1   151,261    52,810        0
FULTON FINANCIAL CORP               Common  360271100      905    48,150 SH        DEFINED              48,150         0        0
GA FINANCIAL INC                    Common  361437106    2,054   107,000 SH        DEFINED             107,000         0        0
GENERAL ELECTRIC                    Common  369604103    2,449     99352 SH        DEFINED         1    99,352         0        0
GENERAL ELECTRIC                    Common  369604103    3,362    136390 SH         OTHER          1   133,010     3,380        0
GENERAL MILLS INC                   Common  370334104      136      3060 SH        DEFINED         1     3,060         0        0
GENERAL MILLS INC                   Common  370334104      166      3740 SH         OTHER          1     3,740         0        0
GILLETTE CO                         Common  375766102      207      6999 SH        DEFINED         1     6,999         0        0
GILLETTE CO                         Common  375766102        6       200 SH         OTHER          1       200         0        0
HARLEY DAVIDSON INC                 Common  412822108      555     11950 SH        DEFINED         1    11,950         0        0
HARLEY DAVIDSON INC                 Common  412822108       43       925 SH         OTHER          1       625       300        0
H. J. HEINZ COMPANY                 Common  423074103      112      3355 SH        DEFINED         1     3,355         0        0
H. J. HEINZ COMPANY                 Common  423074103      311      9324 SH         OTHER          1     9,324         0        0
IBT BANCORP INC IRWIN PA            Common  44923F108      202     5,853 SH          SOLE                5,853         0        0
INGERSOLL-RAND COMPANY LTD          Common  G4776G101      207      6000 SH         OTHER          1     6,000         0        0
INTEL CORP                          Common  458140100      759     54624 SH        DEFINED         1    54,624         0        0
INTEL CORP                          Common  458140100      104      7500 SH         OTHER          1     7,500         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,230     21091 SH        DEFINED         1    21,091         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101      974     16698 SH         OTHER          1    16,598       100        0
JACOBS ENGR GROUP INC               Common  469814107      404     13075 SH        DEFINED         1    13,075         0        0
JACOBS ENGR GROUP INC               Common  469814107        6       200 SH         OTHER          1       200         0        0
JOHNSON & JOHNSON                   Common  478160104    1,378     25476 SH        DEFINED         1    25,476         0        0
JOHNSON & JOHNSON                   Common  478160104      646     11940 SH         OTHER          1    11,540       400        0
JUNIATA VALLEY FINANCIAL CORP.      Common  482016102      697     24119 SH        DEFINED         1    24,119         0        0
KRAFT FOODS INC                     Common  50075N104      456     12500 SH        DEFINED         1    12,500         0        0
KRAFT FOODS INC                     Common  50075N104       11       300 SH         OTHER          1       300         0        0
LENNAR CORP COM                     Common  526057104      484      8675 SH        DEFINED         1     8,675         0        0
LENNAR CORP COM                     Common  526057104        6       100 SH         OTHER          1       100         0        0
LOWES COS INC                       Common  548661107      959     23171 SH        DEFINED         1    23,171         0        0
LOWES COS INC                       Common  548661107      124      3000 SH         OTHER          1     2,700       300        0
LUCENT TECHNOLOGIES INC             Common  549463107       12     16194 SH        DEFINED         1    16,118        76        0
LUCENT TECHNOLOGIES INC             Common  549463107        4      5405 SH         OTHER          1     5,125       280        0
MAGNITUDE INFORMATION SYS IN        Common  559534102       12    100000 SH        DEFINED         1   100,000         0        0
MBNA CORP                           Common  55262L100      421     22907 SH        DEFINED         1    22,907         0        0
MBNA CORP                           Common  55262L100      114      6224 SH         OTHER          1     6,224         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      490     18908 SH        DEFINED         1    18,908         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      206      7945 SH         OTHER          1     4,300     3,645        0
MERCK & COMPANY INC                 Common  589331107    1,356     29656 SH        DEFINED         1    29,656         0        0
MERCK & COMPANY INC                 Common  589331107    1,560     34130 SH         OTHER          1    33,330       800        0
MERRILL LYNCH & CO                  Common  590188108      839     25450 SH        DEFINED         1    25,450         0        0
MERRILL LYNCH & CO                  Common  590188108      119      3600 SH         OTHER          1     3,600         0        0
MICROSOFT CORP                      Common  594918104      857     19604 SH        DEFINED         1    19,604         0        0
MICROSOFT CORP                      Common  594918104       98      2250 SH         OTHER          1     2,250         0        0
NATL PENN BCSHS INC                 Common  637138108      978    34,982 SH        DEFINED              34,982         0        0
NEW MEXICO BANQUEST                 Common  647991926      817      7207 SH        DEFINED         1     7,207         0        0
NEW MEXICO BANQUEST                 Common  647991926       85       754 SH         OTHER          1       754         0        0
NEWELL RUBBERMAID INC               Common  651229106      237      7668 SH        DEFINED         1     7,668         0        0
NEWELL RUBBERMAID INC               Common  651229106      196      6356 SH         OTHER          1     6,356         0        0
NITTANY FINANCIAL CORP              Common  65480R102      200    12,100 SH          SOLE               12,100         0        0
NOBLE CORPORATION                   Common  G65422100      321     10350 SH        DEFINED         1    10,350         0        0
NORTH PITTSBURGH SYS INC COM        Common  661562108    1,110     83270 SH         OTHER          1    65,600    17,670        0
NOVELLUS SYSTEMS INC                Common  670008101      352     16925 SH        DEFINED         1    16,925         0        0
OMEGA FINANCIAL CORP                Common  682092101    1,062    31,479 SH        DEFINED              31,479         0        0
ORACLE CORP                         Common  68389X105      444     56518 SH        DEFINED         1    56,518         0        0
ORACLE CORP                         Common  68389X105       19      2400 SH         OTHER          1     2,400         0        0
P P G INDUSTRIES INC                Common  693506107      363      8117 SH        DEFINED         1     8,117         0        0
P P G INDUSTRIES INC                Common  693506107    1,394     31190 SH         OTHER          1    25,340     5,850        0
PARKVALE FINANCIAL CORP             Common  701492100    2,734   116,100 SH        DEFINED             116,100         0        0
PENNROCK FINAN SERVICES CORP        Common  708352109      268     9,240 SH        DEFINED               9,240         0        0
PENNZOIL-QUAKER ST CO               Common  709323109      541     24612 SH         OTHER          1    24,612         0        0
PEPSICO INCORPORATED                Common  713448108    1,268     34329 SH        DEFINED         1    34,329         0        0
PEPSICO INCORPORATED                Common  713448108      781     21150 SH         OTHER          1    20,750       400        0
PFIZER INC                          Common  717081103    2,336     80508 SH        DEFINED         1    80,508         0        0
PFIZER INC                          Common  717081103      810     27899 SH         OTHER          1    27,899         0        0
PHILIP MORRIS CO                    Common  718154107      549     14150 SH        DEFINED         1    14,150         0        0
PHILIP MORRIS CO                    Common  718154107    1,329     34240 SH         OTHER          1    34,240         0        0
PNC BANK CORP                       Common  693475105      376      8905 SH        DEFINED         1     8,355         0      550
PNC BANK CORP                       Common  693475105      127      3000 SH         OTHER          1     3,000         0        0
PNC FINANCIAL SERVICES GROUP        Common  693475105    4,639   110,000 SH        DEFINED             110,000         0        0
PPL CORP COM                        Common  69351T106      376     11565 SH        DEFINED         1    11,565         0        0
PPL CORP COM                        Common  69351T106      215      6600 SH         OTHER          1     6,600         0        0
PRICE T ROWE GROUP INC              Common  74144T108      369     14765 SH        DEFINED         1    14,765         0        0
PRICE T ROWE GROUP INC              Common  74144T108        4       150 SH         OTHER          1       150         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,987     22226 SH        DEFINED         1    22,226         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,989     22250 SH         OTHER          1    22,050       200        0
PUBLIC SERV ELEC GAS                Common  744573106       26       854 SH        DEFINED         1       854         0        0
PUBLIC SERV ELEC GAS                Common  744573106      204      6680 SH         OTHER          1     6,680         0        0
QUALCOMM INC                        Common  747525103      255      9225 SH        DEFINED         1     9,225         0        0
QUALCOMM INC                        Common  747525103       17       600 SH         OTHER          1       600         0        0
ROCKWELL COLLINS INC                Common  774341101      150      6844 SH        DEFINED         1     6,844         0        0
ROCKWELL COLLINS INC                Common  774341101       59      2688 SH         OTHER          1     2,688         0        0
ROYAL BANCSHARES OF PENN-A          Common  780081105      730    39,876 SH        DEFINED              39,876         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804      241      6000 SH        DEFINED         1     6,000         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804       41      1009 SH         OTHER          1     1,009         0        0
S & T BANCORP INC                   Common  783859101    2,561   101,701 SH        DEFINED             101,701         0        0
S & T BANCORP INC                   Common  783859101    1,747     69373 SH        DEFINED         1    69,373         0        0
S & T BANCORP INC                   Common  783859101      634     25176 SH         OTHER          1    25,176         0        0
SBC COMMUNICATIONS INC              Common  78387G103      326     16242 SH        DEFINED         1    16,242         0        0
SBC COMMUNICATIONS INC              Common  78387G103      197      9808 SH         OTHER          1     9,808         0        0
SCHERING-PLOUGH CORP                Common  806605101      211      9877 SH        DEFINED         1     9,877         0        0
SCHLUMBERGER LTD                    Common  806857108      421     10942 SH        DEFINED         1    10,942         0        0
SCHLUMBERGER LTD                    Common  806857108       56      1450 SH         OTHER          1     1,350       100        0
SEARS,ROEBUCK & CO                  Common  812387108      371      9525 SH        DEFINED         1     9,525         0        0
SEARS,ROEBUCK & CO                  Common  812387108      137      3500 SH         OTHER          1     3,500         0        0
SOUTHWEST AIRLINES                  Common  844741108      250     19126 SH        DEFINED         1    19,126         0        0
SOUTHWEST AIRLINES                  Common  844741108       11       862 SH         OTHER          1       662       200        0
ST JUDE MED INC COM                 Common  790849103      413     11575 SH        DEFINED         1    11,575         0        0
SUN BANCORP INC                     Common  866634108      610    27,150 SH        DEFINED              27,150         0        0
SUNMICRO SYSTEMS                    Common  866810104       47     17975 SH        DEFINED         1    17,975         0        0
SUNMICRO SYSTEMS                    Common  866810104       13      4900 SH         OTHER          1     4,900         0        0
SUNOCO INC COM                      Common  86764P109      287      9500 SH        DEFINED         1     9,500         0        0
SUSQUEHANNA BANC SHS                Common  869099101    1,131     52242 SH        DEFINED         1    52,242         0        0
SUSQUEHANNA BANCSHARES INC          Common  869099101    2,349   108,500 SH        DEFINED             108,500         0        0
TARGET CORP                         Common  87612E106      920     31150 SH        DEFINED         1    31,150         0        0
TARGET CORP                         Common  87612E106      137      4625 SH         OTHER          1     4,625         0        0
TENET HEALTHCARE CORP               Common  88033G100      366      7385 SH        DEFINED         1     7,385         0        0
TEXAS INSTRUMENTS INC               Common  882508104      142      9586 SH        DEFINED         1     9,586         0        0
TEXAS INSTRUMENTS INC               Common  882508104       22      1500 SH         OTHER          1     1,500         0        0
TYCO INTERNATIONAL LTD              Common  902124106      214     15175 SH        DEFINED         1    15,175         0        0
TYCO INTERNATIONAL LTD              Common  902124106        4       250 SH         OTHER          1       175        75        0
UNION PACIFIC CORP                  Common  907818108      274      4740 SH        DEFINED         1     4,740         0        0
UNION PACIFIC CORP                  Common  907818108        3        50 SH         OTHER          1                  50        0
UPSIDE DEVELOPMENT INC COM          Common  91673P109        0     60000 SH        DEFINED         1    60,000         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,366     49777 SH        DEFINED         1    49,777         0        0
VERIZON COMMUNICATIONS              Common  92343V104      971     35398 SH         OTHER          1    30,726     4,672        0
VIACOM INC. NEW                     Common  925524308      313      7720 SH        DEFINED         1     7,720         0        0
VIRAGEN INC                         Common  927638106        2     10000 SH        DEFINED         1    10,000         0        0
WACHOVIA CORP                       Common  929903102      598     18306 SH        DEFINED         1    18,306         0        0
WAL-MART STORES INC                 Common  931142103    1,172     23801 SH        DEFINED         1    23,801         0        0
WAL-MART STORES INC                 Common  931142103      101      2050 SH         OTHER          1     2,050         0        0
WELLS FARGO & CO COM                Common  949746101      811     16845 SH        DEFINED         1    16,845         0        0
WELLS FARGO & CO COM                Common  949746101       53      1100 SH         OTHER          1     1,100         0        0
WYETH COM                           Common  983024100      302      9509 SH        DEFINED         1     8,309         0    1,200
WYETH COM                           Common  983024100      124      3900 SH         OTHER          1     3,900         0        0


GRAND TOTALS                                           121,510



</TABLE>