SCHEDULE 14A INFORMATIONProxy Statement Pursuant to Section 14(a) of the SecuritiesExchange Act of 1934

Filed by the Registrant [x]   Filed by aParty other than the Registrant[ ]Check the appropriate box:[ ] Preliminary Proxy Statement[x] Definitive Proxy Statement[ ] Definitive Additional Materials[ ] Soliciting Material Pursuant to Section 204.14a-11(c) or Section 240.14a-12[ ] Confidential, for Use of the Commission Only (as permitted by Rule14a-6(e)(2))

FIRST COMMONWEALTH FINANCIALCORPORATION(Name of Registrant as Specified In Its Charter)

Paymentof Filing Fee (Check the appropriate box):[x] No fee required[ ] Fee computed on table below per Exchange Act Rules 14a-6(i)(4) and 0-11.      1) Title of each class of securities to which transaction applies:2) Aggregate number of securities to which transaction applies:3) Per unit price or other underlying value of transaction computed pursuant toExchange Act Rule 0-11 (set forth the amount on which the filing fee iscalculated and state how it was determined):4) Proposed maximum aggregate value of transaction:5) Total fee paid:[ ] Fee paid previously with preliminary materials.  [ ] Check box if any part of the fee is offset as provided by Exchange Act Rule  0-11(a)(2) and identify the filing for which the offsetting fee was paid previously.   Identify the previous filing by registration statement number, or the Form or  Schedule and the date of its filing.1) Amount Previously Paid:2) Form, Schedule or Registration No.:3) Filing Party:4) Date Filed:

**TABLE OFCONTENTS**

|                                                                                                                                                       | PAGE  |
|------------------------------------------------------------------------------------------------------------------------------------------------------------|-------|
| Notice of Annual Meeting of Shareholders                                                                                                              | Cover |
| General Information                                                                                                                                        | 1     |
| Common Stock Ownership by Management                                                                                                                       | 2     |
| Section 16(A) Beneficial Ownership Reporting      Compliance                                                                                               | 4     |
| Election of Directors                                                                                                                                      | 5     |
|      Nominees for      a term ending in 2006                                                                                      | 6     |
| Board Committees                                                                                                                                           | 7     |
| Compensation of Directors                                                                                                                                  | 9     |
| Summary Compensation Table                                                                                                                                 | 10    |
| Stock Options:                                                                                                                                             |       |
|      Stock Option      Grants in Fiscal Year 2002                                                                                 | 11    |
|      Aggregate        Stock Option Exercises in Fiscal Year     and Fiscal        Year-End Option Values | 12    |
| Report of the Executive Compensation Committee                                                                                                             |       |
|      Executive Compensation      Committee                                                                                        | 12    |
|      Executive Compensation      Principles                                                                                       | 13    |
|      Executive Compensation      Programs                                                                                         | 14    |
|      Chief Executive      Officer Compensation                                                                                    | 15    |
| Report of the Audit Committee                                                                                                                              | 15    |
| Stock Performance Graph                                                                                                                                    | 17    |
| Executive Compensation Committee      InterlocksAnd Insider Participation                                                                                  | 18    |
| Interests of Nominees, Directors,      and Officers in      Certain Transactions                                                                           | 18    |
| Accountants                                                                                                                                                | 20    |
| Appendix I, Audit Committee Charter                                                                                                                        | 24    |
|                                                                                                                                                       |       |

                                                                             FIRST COMMONWEALTH FINANCIAL CORPORATION  Old Courthouse Square, 22 North Sixth Street  Indiana, Pennsylvania 15701  NOTICE OF ANNUAL MEETING OF SHAREHOLDERS  April 21, 2003

TO THE SHAREHOLDERS:            Notice is hereby given thatthe Annual Meeting of Shareholders of First Commonwealth Financial Corporation(the "Corporation") will be held at First Commonwealth Place, 654Philadelphia Street, Indiana, Pennsylvania, on Monday, April 21, 2003, at 3:00p.m., local time, for the following purposes:            1.   To elect three Directors to serve for terms expiring in 2006.            2.   To act on such other matters as may properly come before themeeting.      Only shareholders of record as ofthe close of business on March 3, 2003, are entitled to notice of and to voteat the Annual Meeting and any adjournments thereof.  The Annual Report to Shareholders for the year ended December 31,2002, which includes consolidated financial statements of the Corporation, isenclosed.            YOU ARE URGED TO SIGN, DATE,AND RETURN THE ENCLOSED PROXY CARD AS PROMPTLY AS POSSIBLE WHETHER OR NOT YOUPLAN TO ATTEND THE MEETING IN PERSON. IF YOU ATTEND THE MEETING, YOU MAY, IF YOU WISH, WITHDRAW YOUR PROXY ANDVOTE YOUR SHARES IN PERSON.                                                                  ByOrder of the Board of Directors,                                                                  /S/DAVIDR. TOMB, JR.                                                                                      DavidR. Tomb, Jr.                                                                  SecretaryIndiana, PennsylvaniaMarch 21, 2003

 

FIRST COMMONWEALTH FINANCIALCORPORATIONOld Courthouse Square, 22 North Sixth StreetIndiana, Pennsylvania 15701**PROXY STATEMENTANNUAL MEETING OF SHAREHOLDERS**April 21, 2003**GENERAL INFORMATION**

            Theaccompanying proxy is solicited by the Board of Directors of First CommonwealthFinancial Corporation (the "Corporation" or "FCFC") inconnection with its Annual Meeting of Shareholders to be held on Monday, April21, 2003, 3:00 p.m., local time, and any adjournments thereof.            If the accompanying proxy isduly executed and returned, the shares of Common Stock, par value $1.00 pershare (the "Common Stock"), of the Corporation represented therebywill be voted and, where a specification is made by the shareholder as providedtherein, will be voted in accordance with that specification.  A proxy may be revoked by the personexecuting it at any time before it has been voted by notice of such revocationto David R. Tomb, Jr., Secretary of the Corporation.            The three persons named in theenclosed proxy have been selected by the Board of Directors and will voteshares represented by valid proxies. They have indicated that, unless otherwise specified in the proxy, theyintend to vote to elect as Directors the three nominees listed on page 6.            The Board of Directors has noreason to believe that any of the nominees will be unable to serve asDirectors.  In the event, however, ofthe death or unavailability of any nominee or nominees, the proxy to that extentwill be voted for such other person or persons as the Board of Directors mayrecommend.            The Corporation has noknowledge of any other matters to be presented at the meeting.  In the event other matters do properly comebefore the meeting the persons named in the proxy will vote in accordance withtheir judgment on such matters.            The approximate date on whichthis Proxy Statement will be mailed to shareholders of the Corporation is March21, 2003.  Solicitation of proxies maybe made by personal interviews and telephone by management and regularlyengaged employees of the Corporation. Brokerage houses and other custodians, nominees and fiduciaries will berequested to forward solicitation material to the beneficial owners of thestock held of record by such persons. Expenses for solicitation of all proxies will be paid by theCorporation.1

            As of the close of business on March3, 2003, there were 58,986,772 shares of Common Stock outstanding.  Three million (3,000,000) shares ofPreferred Stock have been authorized; however, none of the preferred shares isoutstanding.  Only shareholders ofrecord as of the close of business on March 3, 2003, are entitled to receivenotice of and to vote at the Annual Meeting.            Shareholders are entitled toone vote for each share held on all matters to be considered and acted upon atthe Annual Meeting.  The Articles ofIncorporation of the Corporation do not permit cumulative voting.  The three nominees for directors who receivethe highest number of votes cast for the election of directors at the AnnualMeeting, present in person or voting by proxy, a quorum being present, will beelected as directors.  An affirmativevote of a majority of the shares present and voting at the meeting is requiredfor approval of all other items being submitted to the shareholders for theirconsideration.  Abstentions and brokernon-votes are each included in the determination of the number of sharespresent and voting, but are not counted for purposes of determining whether aproposal has been approved.            The Corporation conductsbusiness through two banking subsidiaries: (1) First Commonwealth Bank ("FCB"); and (2) FirstCommonwealth Trust Company ("FCTC"); and through First CommonwealthProfessional Resources Inc. ("FCPRI"), a professional servicesaffiliate, First Commonwealth Systems Corporation ("FCSC"), a dataprocessing subsidiary, First Commonwealth Insurance Agency ("FCIA"),a wholly-owned insurance agency subsidiary of FCB, and First CommonwealthFinancial Advisors, Inc. ("FCFA"), a financial planning, consulting,and asset management firm.  TheCorporation also jointly owns Commonwealth Trust Credit Life Insurance Company("CTCLIC"), a reinsurer of credit life and accident and healthinsurance.  

 

**COMMON STOCK OWNERSHIP BY MANAGEMENT**

            The Corporation is not aware of anyperson who, as of March 3, 2003, was the beneficial owner of more than 5% ofthe Common Stock, except FCTC as more fully described on page 4.  The following table sets forth informationconcerning beneficial ownership by all directors and nominees, by each of theexecutive officers named in the Summary Compensation Table on page 10 (the"Summary Compensation Table") and by all directors and executiveofficers as a group.

| Name               | Amount/Nature  Of BeneficialOwnership (1) | RelatedFootnote(s) | Percentof Class |
|--------------------|-------------------------------------------|--------------------|-----------------|
| Ray  T. Charley    | 144,971                                   | (10)               | *               |
| Edward T. Cote     | 216,800                                   | (5,10)             | *               |
| David  S. Dahlmann | 15,211                                    | (3,10)             | *               |
| Alan  R. Fairman   | 1,129,821                                 | (2,5,9)            | 1.88%           |
| Johnston  A. Glass | 238,762                                   | (3,10)             | *               |
| Dale  P. Latimer   | 1,804,075                                 | (3,5,10)           | 2.99%           |

2

 

| James  W. Newill                                                 | 470,200   | (8,10)         | *      |
|------------------------------------------------------------------|-----------|----------------|--------|
| Joseph  E. O'Dell                                                | 361,654   | (2,4,10)       | *      |
| John  A. Robertshaw, Jr.                                         | 61,872    | (2)            | *      |
| Laurie  Stern Singer                                             | 17,492    | (10)           | *      |
| Gerard  M. Thomchick                                             | 207,016   | (2,4,10)       | *      |
| David  R. Tomb, Jr.                                              | 741,084   | (2,3,4,5,6,10) | 1.23%  |
| E.  James Trimarchi                                              | 951,876   | (3,4,5,6,7,10) | 1.58%  |
|                                                             |      |           |   |
| All  directors and executive  officers as a group   (18 persons) | 5,480,559 |           | 9.10%  |
|                                                             |      |           |   |
| *Less  than 1%                                                   |      |           |   |

 

(1)        Under regulations of the Securities and Exchange Commission,a person who has or shares voting or investment power with respect to asecurity is considered a beneficial owner of the security.  Voting power is the power to vote or directthe voting of shares, and investment power is the power to dispose of or directthe disposition of shares.  Unlessotherwise indicated in the other footnotes below, each director and executiveofficer has sole voting power and sole investment power over the sharesindicated opposite his name in the table, and each member of a group has solevoting power and sole investment power over the shares beneficially owned byhim that are included in the shares indicated for the group.

(2)        Does not include the following shares held by spouses, eitherindividually or jointly with other persons, as to which voting and investmentpower is disclaimed by the director or officer:  Mr. Fairman, 25,595; Mr. O'Dell, 5,480; Mr. Robertshaw, 6,264;Mr. Thomchick, 7,304; Mr. Tomb, 528; and all directors and executive officersas a group, 45,171.

(3)        Includes the following shares held jointly with spouses, asto which voting and investment power is shared with the spouse:  Mr. Dahlmann, 12,211; Mr. Glass, 55,843; Mr.Latimer, 54,581; Mr. Tomb, 63,692; Mr. Trimarchi, 75,736; and all directors andexecutive officers as a group, 262,063.

(4)        Includes 52,172 shares held by Atlas Investment Company, ofwhich Messrs. O'Dell, Thomchick, Tomb, and Trimarchi are each 25% owners and asto which they share voting and investment power.

(5)         Includes 204,000 shares owned by Berkshire Securities Corporation.  Berkshire  is a Pennsylvania corporation organized in 1976 for the purpose of acquiring  and holding the securities of Pennsylvania banks.  The officers, directors  or stockholders of Berkshire include Messrs. Cote, Fairman, Latimer, Tomb, and  Trimarchi, each of whom is an officer or director of the Corporation, among  others.  Each of the 

3

foregoing persons may be deemed to share voting and investment power of theseshares.

(6)        Includes 318,876 shares held by County Wide Real Estate,Inc., of which Messrs. Tomb and Trimarchi are each 50% owners and as to whichthey share voting and investment power.

(7)        Includes 59,304 shares held by family interests of which Mr.Trimarchi exercises sole voting and investment power.

(8)        Includes 6,960 shares held by a family member over which Mr.Newill exercises sole voting and investment power.

(9)        Includes 907,656 shares held by Fairman DrillingCompany.  Mr. Fairman is the BusinessManager of Fairman Drilling Company and is deemed to have an indirectrelationship with respect to investment power on these shares.  Mr. Fairman was appointed by the Board ofDirectors in October 2002 to fill a vacancy in the class of directors whoseterms expire in 2004.

(10)      Includes the  following stock options currently vested or vesting within 60 days of the effective  date of the table:  Mr. Charley, 12,000 shares; Mr. Cote, 12,000 shares;  Mr. Dahlmann, 3,000 shares; Mr. Fairman, 3,000 shares; Mr. Glass, 182,919 shares;  Mr. Latimer, 12,000 shares; Mr. Newill, 12,000 shares; Mr. O'Dell, 270,244 shares;  Ms. Singer, 10,000 shares; Mr. Thomchick, 134,151 shares; Mr. Tomb, 83,260 shares;  Mr. Trimarchi, 207,001 shares; and all directors and other executive officers  as a group, 1,270,241 shares.

            As of February 28, 2003, FCTC,acting in a fiduciary capacity for various trusts and estates, including theCorporation Employee Stock Ownership Plan ("ESOP"), and theCorporation 401(k) Retirement Savings and Investment Plan ("401(k)Plan") held shares of Common Stock in an aggregate amount of 4,609,537 (7.81%of the outstanding shares).  FCTC haseither sole or shared voting and investment power on these shares as listedbelow:

| Total  shares on which sole voting power is held:                | 1,663,620 |
|------------------------------------------------------------------|-----------|
| Total  shares on which voting power is shared:    | 2,945,917 |
| Total  shares on which sole investment power is held:            | 1,469,573 |
| Total  shares on which investment power is shared:               | 3,139,964 |

 

            FCTC votes shares over which it hassole voting power.  Where voting poweris shared, shares are voted by FCTC in consultation with the other personshaving voting power.

**SECTION 16(A)BENEFICIAL OWNERSHIP REPORTING COMPLIANCE**

            Section 16(a) of the SecuritiesExchange Act of 1934 requires the Corporation's directors and executiveofficers, and persons who own more than 10% of a registered class of 4the Corporation's equity securities, to file with the Securities and ExchangeCommission (the "Commission") an initial report of ownership andreports of changes in ownership of Common Stock and other equity securities ofthe Corporation.  Executive officers,directors and greater than 10% shareholders are required by Commissionregulation to furnish the Corporation with copies of all Section 16(a) formswhich they file.  The Corporation is notaware of any late fillings or failures to file in 2002.  In making this disclosure, the Corporationhas relied solely on written and oral representations of its directors,executive officers and greater than 10% shareholders and copies of the reportsthey have filed with the Commission.

**ELECTION OFDIRECTORS**

            The By-Laws of the Corporationprovide that the number of directors is fixed from time to time by resolutionof the Board, subject to a minimum of three and a maximum of twenty-fivedirectors.  The number of directors iscurrently fixed at 20.  However, as aresult of the restructuring and consolidation of our subsidiary branches andthe passing away of director Brumbaugh, there are currently a total of twelveactive directors on the Board.  TheBoard believes that the ideal size for the Corporation's board of directors isbetween twelve and fifteen directors, and the Board may nominate additionaldirectors for election at future annual meetings to achieve this target.            The Board is divided intothree classes, each of which is elected to serve a term of three years.  Of the twelve active directors, three are inthe class whose term expires in 2003, three are in the class whose term expiresin 2004, and six are in the class whose term expires in 2005.  Directors James W. Newill, John A.Robertshaw Jr., and Laurie Stern Singer have been nominated for election at the2003 Annual Meeting of Shareholders for terms expiring in 2006.  Four directors whose terms were to expire in2003 will not be standing for reelection. Director Robert C. Williams resigned from the board effective April 22,2002.  Directors E. H. Brubaker, ThomasJ. Hanford, and H. H. Heilman Jr., elected to retire pursuant to the earlyretirement incentive described below under "Compensation ofDirectors."  Notwithstanding thatfewer directors have been nominated than the number authorized, proxies cannotbe voted for a greater number of persons than the number of nominees named.            Each director elected thisyear will continue in office until a successor has been elected.  If any nominee is unable to serve, which theBoard has no reason to expect, the persons named in the accompanying proxyintend to vote for the balance of those named and, if they deem it advisable,for a substitute nominee.  The names ofthe nominees for directors and the names of directors whose terms of officewill continue after the Annual Meeting are listed in the following table.            Information about thenominees, each of whom is presently a member of the Board, and about the otherdirectors whose terms of office will continue after the Annual Meeting, is setforth in the table below.  The nomineesand other directors have held the position shown for more than five yearsunless otherwise indicated.5

**Nominees for a Term Ending in 2006:**

| Name | DirectorSince | Principal  Occupation or Employment;Other Directorships; Age |  
James  W. Newill

1998

Certified  Public Accountant, formerly President,  J. W. Newill Company (public accounting); Age 68

John  A. Robertshaw, Jr.

1998

Formerly  Chairman, Laurel Vending, Inc. (vending   and food service); Director of FCB, FCTC, FCIA,  FCFA; Age 76

Laurie  Stern Singer

1998

President,  Allegheny Valley Development   Corporation; formerly President, Allegheny Valley   Chamber of Commerce; Age 51

**Continuing Directors Whose Terms End in 2004:**

David  S. Dahlmann

1998

Adjunct  Professor; formerly Vice Chairman of the  Corporation; formerly President and Chief   Executive Officer of Southwest Bank ("SWB"   merged into FCB October 2002); formerly President  and Chief Executive Officer of Southwest National  Corporation ("SWNC"); Director of FCB, FCTC,  FCIA, and FCFA; Age 53

Alan  R. Fairman

2002

Business  Manager, Fairman Drilling Company;  Director of FCB, FCIA, FCTC, FCFA, and New  Mexico Banquest Investors Corp. ("NMB");  Age 49

E.  James Trimarchi

1982

Chairman  of the Board of the Corporation; Director  of FCB, FCTC, FCIA, FCPRI, FCSC, FCFA, and  CTCLIC; Age 80

6

**Continuing Directors Whose Terms End in 2005:**

Ray  T. Charley

1998

President,  Thomi Co. (retail grocers); Director of  FCB, FCTC, FCIA, and FCFA; Age 51

Edward T.  Cote

1984

Associate,  The Wakefield Group (Investment   Banking); Age 66

Johnston  A. Glass

1986

Vice  Chairman of the Corporation; President and  Chief Executive Officer of FCB; Director of FCB,  FCTC, FCIA, FCFA, and FCPRI; Age 53

Dale  P. Latimer

1984

Chairman  of the Board and Chief Executive   Officer, R&L Development Company (heavy   construction); Director of FCB, FCTC, FCIA,   FCFA, and NMB; Age 72

Joseph  E. O'Dell

1994

President  and Chief Executive Officer of the   Corporation; Director of FCB, FCTC, FCIA,   FCPRI, FCSC, and FCFA; Age 57

David  R. Tomb, Jr.

1983

Partner,  Tomb and Tomb (attorneys-at-law); Senior   Vice President, Secretary and Treasurer of the   Corporation; Director of FCB, FCTC, FCIA,   FCPRI, FCSC, FCFA, and CTCLIC;  Age 71

** **

**BOARDCOMMITTEES**

            During2002 there were six meetings of the Board of Directors of the Corporation.  All directors attended at least 75% of thetotal number of meetings of the Board of Directors of the Corporation and allcommittees of which they were members.            The Board of Directors of theCorporation has established the following standing committees:  Executive, Audit, Governance, and ExecutiveCompensation.  The Governance Committeealso acts as a Nominating Committee.              When the  Board of Directors is not in session, the Executive Committee, which is comprised  of Directors Trimarchi (Chairman), Tomb (Secretary), Charley, Cote, Dahlmann,  Fairman, Glass, Latimer, Newill, O'Dell, Robertshaw, and Singer possesses and  exercises all the powers of the Board, except for matters which are required  by law to be acted upon by the full Board.  The Executive Committee considers  major policy matters and makes reports and recommendations to the Board.   The Committee met one time in 2002.7

             The Audit Committee is comprised of Directors Latimer (Chairman), Cote, and  Newill.  The Committee met eight times in 2002.  Former Audit Committee  member Joseph W. Proske retired and James W. Newill was elected as a member  of the Audit Committee on October 15, 2002.  The function of the Audit  Committee is primarily to assist the Board in monitoring (1) the integrity of  the financial statements of First Commonwealth Financial Corporation (the "Corporation"),  (2) the independent auditor's qualifications and independence,  (3) the  performance of the Corporation's internal audit function and independent auditors,  and (4) the compliance by the Corporation with legal and regulatory requirements.   The Audit Charter adopted by the Board in 2001 has been revised and is included  in Appendix I.  The Board approved the revised Charter in January 2003.   A report of the Audit Committee follows on page 15.            The Governance Committee wasestablished as a permanent standing Committee by the Board in April 2001.  The Committee acts as a nominating committeefor elections to the Board.  Inaddition, the Committee will also be responsible for measuring performance ofexecutive officers and Board members, and for recommending managementsuccession plans.  The Committee iscomprised of Directors Trimarchi (Chairman), Tomb (Secretary), Fairman, Newill,Robertshaw, and Singer.  The Committeemet six times in 2002.              The Executive  Compensation Committee is comprised of Directors Cote (Chairman), Fairman, and  Latimer.  The Committee met eight times in 2002.  A report of the  Executive Compensation Committee follows on page 12.            The By-Laws of the Corporationrequire that any shareholder who intends to nominate or cause to have nominatedany candidate for election to the Board of Directors (other than a candidateproposed by the Corporation's then existing Board of Directors) must notify theSecretary of the Corporation in writing not less than 120 days in advance ofthe first anniversary date the Corporation's proxy statement was released toits shareholders in connection with the previous year's annual meeting ofshareholders called for the election of directors (for the 2003 meeting ofshareholders, such notification must have been received by the Secretary on orbefore November 21, 2002).  Such notificationmust contain (to the extent known by the notifying shareholder) the name,address, age, principal occupation and number of shares of the Corporationowned by each proposed nominee; the name, residence address and number ofshares of the Corporation owned by the notifying shareholder; the total numberof shares that, to the knowledge of the notifying shareholder, will be votedfor each proposed nominee; a description of all arrangements or understandingsbetween the shareholder and each nominee and any other person or personspursuant to which the nomination or nominations are to be made by theshareholder; such other information regarding each nominee proposed by suchshareholder as would be required to be included in a proxy statement filedpursuant to the proxy rules of the Securities and Exchange Commission had thenominee been nominated by the Board of Directors; and the written consent ofeach nominee, signed by such nominee, to serve as a director of the Corporationif so elected.  The Board of Directorsas a whole would consider nominations submitted by a shareholder if submittedin accordance with the By-Laws and otherwise in time for such consideration.

8

 

**COMPENSATION OFDIRECTORS**

            Directors are compensated at therate of $1,750 per quarterly meeting attended. Directors who do not serve in a management or affiliate managementcapacity at FCFC also receive an annual retainer of $12,000.  Committee members receive $1,000 percommittee meeting attended.  Members whoact in the capacity of Chairman or Secretary also receive an additional $250per committee meeting attended.  Inaddition, each member of the board who is not an employee of FCFC is eligibleto receive options to purchase FCFC stock pursuant to FCFC's Compensatory StockOption Plan.  Such grants are made atthe discretion of the Executive Compensation Committee.  Each non-employee director received optionsto purchase 3,000 shares of common stock on January 23, 2002.  These options are currently exercisable at astrike price of $11.70 per share, and will expire on January 23, 2012.            In July 2002, the Boardapproved a retirement incentive plan as part of the Corporation's overall plandesigned to streamline the organization and restructure the governancefunction.  Under this plan, directorswho elected to retire before the expiration of their terms received a one-timecash payment based on a calculation of $6,000 for each year of service.  Directors E. H. Brubaker, Thomas J. Hanford,and H. H. Heilman Jr., each from the class of directors whose terms expire in2003, and directors Ronald C. Geiser, David L. Johnson, and Joseph W. Proske,each from the class of directors whose terms expire in 2004, elected to retireunder the retirement incentive plan and received $108,000 according to theterms of the plan.  In addition,director Robert C. Williams resigned from the Board effective April 22, 2002,and director Robert F. Koslow resigned from the Board effective June 18, 2002.  None of the retiring or resigning directorsnotified the Board of any disagreement with the Corporation's operations,policies or practices.  Alan R. Fairmanwas appointed by the Board in October 2002 to fill one of the vacancies fromthe class of directors whose terms expire in 2004.  The Board has not nominated individuals to fill the remainingvacancies in the 2003 and 2004 classes, but may nominate additional directorsfor election at future annual meetings or nominate directors from the 2005class for terms of less than three years to cause the classes to beapproximately equal in size.            The Deferred Compensation Planfor Non-Employee Directors allows non-employee directors to defer receipt ofany retainers and Board and committee meeting fees, including amounts paid forAdvisory Board service.  At the electionof the director, the deferred amounts are credited to a stock account, anon-stock account, an investment account or any combination thereof.  Payments under the plan are made as a lumpsum at the earlier of the cessation of service as a director or the death ordisability of the director.9

**COMPENSATION OFEXECUTIVE OFFICERS**

            The table below sets forth certaininformation regarding compensation received by the Chief Executive Officer andthe remaining four most highly compensated executive officers of theCorporation (the "Named Executive Officers").

**SUMMARYCOMPENSATION TABLE**

 

  Annual Compensation

Long-Term  Compensation

 

  Name andPrincipal Position

  Year

Salary  ($) (1)

Bonus  ($)

Securities  UnderlyingOptions(#)

  All OtherCompensation  ($) (2)

Joseph  E. O'Dell  President and Chief Executive  Officer of the Corporation

2002  2001  2000

424,500  409,000  401,838

0  0  0

39,205  41,442  39,559

57,499  63,098  97,664

E.  James Trimarchi  Chairman of the Board  of the Corporation

2002  2001  2000

397,500  382,500  375,315

0  0  0

36,667  38,730  26,852

19,540  17,374  17,000

Gerard  M. Thomchick  Chief Operating Officer of the  Corporation and President and   Chief Executive Officer of FCPRI

2002  2001  2000

354,500  324,750  308,000

0  0  0

29,333  30,288  27,842

36,662  36,882  44,387

David  S. Dahlmann  Former Vice Chairman of the   Corporation and Former President   and Chief Executive Officer of   SWB (3)

2002  2001  2000

334,000  323,000  316,500

0  0  0

30,509  32,233  30,725

 446,721(4)  42,165  78,085

Johnston  A. Glass  Vice Chairman of the Corporation   and President and Chief Executive   Officer of FCB

2002  2001  2000

333,500  314,000  307,500

0  0  0

30,556  31,312  29,831

40,436  40,299  54,866

** **

(1)        Includes compensation for services on boards and committeesof the Corporation and before employee voluntary SERP (deferred compensation)reduction.

10

(2)        Includes for 2002 for Messrs. O'Dell, Trimarchi, Thomchick,Dahlmann, and Glass, respectively, the following compensation amounts:  (i) matching contributions to theindividual's account under the 401(k) plan of $8,000, $8,000, $8,000, $8,000,and $8,000; (ii) discretionary contributions to the individual's account underthe 401(k) plan of $6,000, $6,000, $6,000, $6,000, and $6,000; (iii) theallocation of shares under the ESOP of $5,540, $5,540, $5,540, $5,540, and$5,540; (iv) matching and automatic contributions to the individual's accountunder the SERP of $26,040, $0, $13,440, $14,940, and $15,000; (v) and theactuarial value of the Corporation's contribution to the split-dollar lifeinsurance policies of $11,919, $0, $3,682, $6,616, and $5,896.

(3)        Mr. Dahlmann's employment was voluntarily terminated onDecember 31, 2002.

(4)        Includes a total of $405,625 paid over 65 weeks in connectionwith Mr. Dahlmann's separation package.

            The following tables set forthcertain information regarding stock options granted in 2002 to the ChiefExecutive Officer and the Named Executive Officers.

**STOCK OPTIONGRANTS IN FISCAL YEAR 2002**

  Name

Number  of  Securities  Underlying  OptionsGranted(#) (1)

% of  Total  Options  Granted to  EmployeesIn Fiscal Year

  Exercise  Price PerShare

  ExpirationDate

  Potential Realizable Value  At Assumed Rates of  Stock Price AppreciationFor Option Term ($)

 

 

 

 

 

0%

5%

10%

Joseph E. O'Dell

39,205

4.8

$11.70

1/23/12

$0

$288,473

$731,047

E. James Trimarchi

36,667

4.5

$11.70

1/23/12

$0

$269,798

$683,722

Gerard M. Thomchick

29,333

3.6

$11.70

1/23/12

$0

$215,834

$546,966

David S. Dahlmann

30,509

3.7

$11.70

1/23/12

$0

$224,487

$568,895

Johnston A. Glass

30,556

3.7

$11.70

1/23/12

$0

$224,833

$569,771

 

 

 

 

 

 

 

 

Gains applicable to all  Shareholders  (2)

 

 

 

 

  $0

  $434,125,961

  $1,100,160,420

 

(1)   Options in 2002 were granted under the 1995Stock Option Plan with an exercise price equal to fair market value on the dateof the grant.  The options became fullyvested on December 31, 2002.

(2)   The potential realizable gain to allshareholders (based on 59.0 million shares of First Commonwealth common stockoutstanding and the market price of $11.70) at 0%, 5%, and 10% assumed growthrates over a term of ten years is provided as a comparison to the potentialgain realizable by the Named Officers at the same assumed annual rates of stockappreciation.

11

**AGGREGATE STOCK OPTIONEXERCISES IN FISCAL YEAR 2002AND FISCAL YEAR-END OPTION VALUES**

 

Number  of Securities  Underlying UnexercisedOptions at December 31, 2002 (#)

Value  of Unexercised  In-the-Money Options atDecember 31, 2002 ($)

  Name

Shares  Acquired onExercise (#)

  ValueRealized ($)

  Exercisable

  Unexercisable

  Exercisable

  Unexercisable

Joseph O'Dell

0

0

270,244

0

242,621

0

E. James Trimarchi

0

0

207,001

0

179,365

0

Gerard M. Thomchick

0

0

134,151

0

48,194

0

David S. Dahlmann

66,583

52,217

0

0

0

0

Johnston Glass

0

0

182,919

0

141,809

0

 

 

 

 

 

 

 

** **

**           **Notwithstandinganything to the contrary set forth in any of the Corporation's previous filingsunder the Securities Act of 1933, as amended, or the Securities and ExchangeAct of 1934, as amended, that might incorporate future filings, including thisProxy Statement in whole or in part, the following report and the PerformanceGraph on page 17 shall not be incorporated by reference into any such filings.

**REPORT OF THEEXECUTIVE COMPENSATION COMMITTEE**

            The following is a report by theExecutive Compensation Committee of the Board of Directors of FirstCommonwealth Financial Corporation (the "Committee").  The report provides shareholders anexplanation of the Committee's executive compensation policies and specificcompensation decisions.

**Executive Compensation Committee**

            The Committee oversees compensationof directors, senior executive officers, and the CEO of the Corporation.  The Committee's goal is to administer anexecutive compensation program that helps maximize shareholder value by usingincentives to place a portion of total compensation at risk and that providesfinancial rewards only when the performance level of the Corporation justifiessuch rewards.            In 2002 First CommonwealthFinancial Corporation established a charter for the Committee, highlights ofwhich are outlined below:

1.   The Committee consists of a minimum of three independent directorswho are appointed by the Board.

2.   The Committee reviews and approves goals related to executivecompensation.

3.   The Committee conducts annual compensation reviews that considercompetitive pay practices and relative performance results.

12

 

4.   Specifically, the salary, annual incentive opportunity, long-termincentive opportunity, terms of any contractual arrangements, and the terms ofsupplemental benefits offered to the CEO and senior executive officers are allsubject to the review and approval of the Committee.

5.   The Committee approves the required public disclosures ofexecutive compensation.

6.   The Committee has unfettered access to independent advisors toassist it in discharging its duties.

7.   The Committee makes regular reports to the Board.

            The Committee met eight times in2002.  Each meeting of the Committee isdocumented in the form of minutes and submitted to the Board of Directors.

**Executive Compensation Principles**

            The Board of Directors has adoptedan Executive Compensation Statement of Principles.  These Principles provide guidance for the deliberations of theCommittee and are the basis for the Committee's decisions.  The Principles emphasize that base salariesshould be established based upon relevant peer group comparisons, that taxadvantaged plans should be used when appropriate, and that compensationprograms should optimize the incentive of the executive officers to increasethe Corporation's long-term performance.             Accordingly, the ExecutiveCompensation Program is structured to foster decisions and actions that willhave a strong positive impact on the Corporation's long-term performance.  For this reason, participation in theprograms administered by the Committee is limited to those executives who havethe greatest opportunity to bring about the achievement of the Corporation'slong-term strategic objectives.            The Executive CompensationCommittee established the following parameters for executive compensation underthe 2002 program:

1.   An overall program which is not overly complex and may be readilycommunicated and easily understood by participants and shareholders.

2.   Base salary that ranges from the fiftieth to seventy-fifthpercentile of the competitive rate for the position as defined by selected peergroup information.

3.   Base salary adjustments that maintain internal equity.

4.   An annual cash incentive payable on the basis of the Corporation'sfinancial success  for the year.

13

 

5.   Utilization of IRS "qualified" plans whenever they arein the best interests of both the executive officer and the Corporation.

6.   Use of equity-based compensation through the Corporation's 1995Compensatory Stock Option Plan to provide a long-term incentive for theexecutive officers and senior employees of the Corporation to maximize theCorporation's stock price and increase shareholder value.

7.   Use of nonqualified plans to restore the benefits of a selectgroup of executives that are otherwise limited due to limits under the taxcode.

            The Executive Compensation Committeeutilized several factors to define an appropriate competitive peer groupincluding the type of company from which executive talent might be recruited, alogical geographical region, and the ability to identify and make relevantcomparisons of executive officer positions in terms of responsibilities andperformance.            The 2002 peer group wasstructured utilizing this methodology and philosophy and, in the opinion of theCommittee, represents a fair and reasonable standard against which executivepay may be compared.**Executive Compensation Programs**            The primarycomponents of the Corporation's Executive Compensation Program are basesalaries, an annual cash incentive plan, a stock option plan, andbenefits.  Compensation was set tocorrespond with the Principles identified earlier in this report.            Base salaries are determinedafter taking into account the position, responsibilities, and competitivesalary data as defined by comparable peer group information from similarlysized bank and bank holding companies in the Middle Atlantic and adjacentstates.            Under the annual cashincentive plan, executive officers are rewarded based on the annual increase inprimary earnings per share.            Under the shareholder-approvedCompensatory Stock Option Plan, executives may be awarded incentive stockoptions and non-qualified stock options. These stock options enable the optionee to purchase (at some point inthe future) the Corporation's common stock at its market price as determined onthe day of the option award.  TheCommittee is currently evaluating what role options should play in the future.            Executives partake in thenormal benefit programs available to employees of the Corporation and itsaffiliates.  Supplemental arrangementsare used to restore benefits that would otherwise be limited by the tax code.14

**Chief Executive Officer Compensation**            In 2002, Mr.O'Dell completed his eighth year as President and Chief Executive Officer ofthe Corporation.  He received a basesalary of approximately $417,000.  Basedon First Commonwealth's earnings per share in 2002, he did not earn a cashincentive.  Based on its governingPrinciples and market practices, the Committee awarded Mr. O'Dell options on39,205 shares in 2002.  The optionsvested on December 31, 2002, and accrue value only to the extent that FirstCommonwealth's stock price rises.  In2002, Mr. O'Dell participated in the Corporation's 401(k) Plan and ESOP.  As such, the Corporation made contributionsto his accounts in 2002.            The Committee believes thesecompensation levels to be appropriate in light of the governing Principlesoutlined herein.**Impact of IRC Section 162(m)**            Section 162(m) of the InternalRevenue Code (IRC) limits the deductibility of compensation paid to an employeein excess of $1,000,000.  Compensationdeemed to be "performance-based" is exempt from Section 162(m) ifcertain criteria are met.  Currently,the Committee does not anticipate the loss of any deduction due to Section162(m).  The Committee will continue tomonitor its Executive Compensation Program in light of Section 162(m) and takesuch actions as it deems appropriate.** Submittedby the Executive Compensation Committee:**  Edward T. Cote, ChairmanAlan R. FairmanDale P. Latimer

**REPORT OF THEAUDIT COMMITTEE**

            The Board of Directors has adopted awritten charter outlining the duties and responsibilities for the Audit Committee,which is included as revised in Appendix I to this proxy statement.  The Audit Committee members are independentas defined in the New York Stock Exchange (NYSE) listing standards.            The Audit Committee has:

1.   Reviewed and discussed the audited financial statements withmanagement;

2.   Discussed with the independent auditors, Deloitte & Touche LLP("Deloitte & Touche"), the matters required to be discussed byStatement on Auditing Standards No. 61; and,

15

 

3.   Received the written disclosures and the letter from theindependent auditors, Deloitte & Touche, required by Independence StandardsBoard Standard No. 1 and has discussed with the independent auditors theindependent auditor's independence.

            Based on the review and discussionsnoted above, the Audit Committee recommended to the Board of Directors that theaudited financial statements be included in the Corporation's annual report onForm 10-K for the last fiscal year for filing with the Commission.**Submitted by the Audit Committee:**Dale P. Latimer, Chairman  Edward T. CoteJames W. Newill16

 

**PERFORMANCEGRAPH**

      The following graph compares the yearlypercentage change in the cumulative total shareholder return on theCorporation's Common Stock against the cumulative total return of the Russell2000 Index and selected bank holding companies operating in Pennsylvania withassets between one and eight billion dollars, including FNB Corporation, FultonFinancial Corporation, S & T Bancorp Inc., Susquehanna Bancshares Inc., andAmeriServ Financial, Inc. (peer group) for the five years commencing January 1,1998 and ending December 31, 2002.

CumulativeFive Year Total ReturnFirst Commonwealth vs. Russell 2000 and Peer Group

 

Period Ending

Index

12/31/97

12/31/98

12/31/99

12/31/00

12/31/01

12/31/02

First Commonwealth Financial Corporation

100.00

72.27

73.96

65.37

79.08

82.82

Russell 2000

100.00

97.45

118.17

114.60

117.45

93.39

First Commonwealth Peer Group*

100.00

91.75

77.80

91.04

105.96

112.52

                                                Assumes that the value of the investment in FCFC Common Stockand each index was $100 on January 1, 1998 and that all dividends werereinvested.17

** **

**EXECUTIVECOMPENSATION COMMITTEEINTERLOCKS AND INSIDER PARTICIPATION**

            The Executive Compensation Committeeconsists of Directors Cote, Fairman, and Latimer.  No member was an officer or employee of the Corporation during2002 nor has ever been an officer or employee of the Corporation or asubsidiary.  Further, during 2002, no executiveofficer of the Corporation served on a compensation committee (or other boardcommittee performing equivalent functions) or Board of Directors of any entityrelated to the above named Committee members or of any entity whose executiveofficers served as a director of the Corporation.

**INTERESTS OFNOMINEES, DIRECTORS, AND OFFICERSIN CERTAIN TRANSACTIONS**

****            During 2002,David S. Dahlmann served as Vice Chairman of FCFC and President and CEO of SWBpursuant to an employment agreement which became effective December 31,1998.  Mr. Dahlmann's agreement was forfive years followed by successive one year automatic renewals unless eitherparty gave contrary written notice.  Inexchange for his services Mr. Dahlmann received cash compensation equal to three hundred thousand dollars peryear in the form of base pay which was subject to increases as the Corporationdeemed appropriate.  In addition, Mr.Dahlmann was eligible to receive all of the same employee benefits as otheremployees of the Corporation who were at a similar level andclassification.  As such he was aparticipant in the Cash Incentive Bonus Plan, Supplemental Executive RetirementPlan, Split-Dollar Life Insurance Plan, Compensatory Stock Option Plan, 401(k),ESOP, and the group health, disability, and life insurance plans.  If the Corporation had terminated Mr.Dahlmann's employment without cause at any time, or if Mr. Dahlmann hadterminated his employment for good reason, the Corporation would have paid himan amount equal to twelve month's base salary at his then current rate ofcompensation.  In addition, theCorporation would have continued to pay its share of Mr. Dahlmann's healthinsurance premiums for a period of not more than eighteen months.  Had the Corporation terminated Mr. Dahlmannfor just cause, he would have had no right to compensation or other benefitsfor any period after the date of termination. If during the term of the agreement a change in control of theCorporation had occurred as defined by the agreement, Mr. Dahlmann could haveterminated his employment for a period of up to twelve months following such achange.  He would then have beeneligible for a severance payment based upon the average aggregate annualcompensation for a defined period of time multiplied by three.  The Corporation would have assumedresponsibility for the full cost of the health insurance premium for eighteenmonths plus provide six months of outplacement assistance with an externalprovider.   Mr. Dahlmann's position asPresident and CEO of SWB terminated with the merger of SWB and FCB October 15,2002, and he elected to voluntarily resign his position of Vice Chairman ofFCFC effective December 31, 2002.  Inconjunction with his resignation, Mr. Dahlmann received a separation packagethat will pay him $405,625 over a 65-week period.  This amount was calculated using a standard formula that was ineffect in 2002.18

            At the 1996 Annual Meeting, theshareholders approved and ratified the Corporation's Change in ControlAgreement Program for the Corporation's executive officers and certain otherkey employees.  Except as describedbelow, all of the agreements are identical in all material aspects.            If, within one year followingthe occurrence of a change in control, the employer involuntarily terminatesthe employment of the executive (other than for cause as defined below),substantially reduces the executive's title, responsibilities, power orauthority, reduces the executive's base compensation, assigns duties which areinconsistent with previous duties, or undertakes similar actions, a severancebenefit equal to one year's base compensation (payable in twelve monthlyinstallments) will thereupon be payable to the former executive.  Health insurance and other principalemployee benefits will be continued during that one year period.  If the former executive enters intocompetitive employment during the one year period, severance payments willcease.  Cause for termination shallarise if the executive commits a felony resulting in, or intended to result in,monetary harm to the Corporation, its customers, or affiliates, or if theexecutive intentionally fails to perform his duties for 30 consecutive daysfollowing written notice from the Corporation that such duties are not beingperformed.            The agreement with Mr. O'Dell,the President and Chief Executive Officer of the Corporation, provides forseverance payments to be made if the employer involuntarily terminates theemployment of the executive (other than for cause as defined above), or undertakessimilar action as described above, within three years of a change in control(rather than one year as described above for other agreements).  Furthermore, Mr. O'Dell's agreement providesa severance benefit equal to three year's compensation (payable in thirty-sixmonthly installments) with continuation of health insurance and other principalemployee benefits during that period. In addition, Mr. O'Dell may also trigger the payment of severancebenefits (in the same amount and under the same conditions described above) byvoluntarily terminating employment within one year following a change incontrol.  However, the voluntarytermination provision will no longer be available once Mr. O'Dell attainsnormal retirement age under any of the Corporation's regular retirement plans.            Separate agreements with Mr.Thomchick, Senior Executive Vice President of the Corporation, and Mr. Glass,Vice Chairman of FCFC and President and CEO of FCB, are identical to Mr.O'Dell's agreement in all material respects except that severance payments aretriggered only if the involuntary termination of employment or other triggeringevent occurs within two years of the change in control and the total severancebenefit in his case is equal to two years compensation (payable in twenty-fourmonthly installments).            In December 1998, FCB executedan agreement with Mr. Glass who serves as Vice Chairman of FCFC and Presidentand CEO of FCB.  The agreement definesthe severance package Mr. Glass would receive should his employment beterminated by the Employer for reasons other than for just cause prior to hissixty-third (63rd) birthday. Should such a termination occur, Mr. Glass would receive compensationpayments for twenty-four (24) months following his separation.  The payments would be based upon the rate ofannual 19compensation he was receiving at the time of separation.  Mr. Glass would be prohibited fromemployment with a competitor, directly or indirectly, in the Employer's marketarea in the twenty-four (24) months following his termination without justcause.  The Employer is obligated tocontinue to pay its share of the cost of health insurance premiums for Mr.Glass for a period of twenty-four (24) months following his separation.  Mr. Glass may also elect to invoke the termsof the agreement by terminating his employment for any reason.  The agreement permits the Employer toterminate Mr. Glass for just cause at any time.  The agreement does not call for the payment of any compensationor benefit coverage should a just cause termination occur.  The agreement does not diminish the rightsof Mr. Glass under any other existing agreements, including a change of controlagreement.****            During 2002, DavidR. Tomb, Jr., attorney-at-law, and the law firm of Tomb and Tomb of which Mr.Tomb is a partner performed legal services for the Corporation and FCB.  Mr. Tomb is a director and executive officerof the Corporation.  The fees paid forservices during 2002 were $70,060.            The Company has made andintends to continue to make loans through its subsidiary, First CommonwealthBank, to various of its Directors and executive officers, and to corporationsor other entities in which they may own a controlling interest.  The loans to such persons (i) were made inthe ordinary course of business, (ii) were made on substantially the sameterms, including interest rates and collateral, as those prevailing at the timefor comparable transactions with other persons, and (iii) did not involve morethan a normal risk of collectibility or did not present other unfavorablefeatures.            In addition to loans made byits banking subsidiary, the Corporation, through an executive loan plan, hasadvanced amounts from time to time to executive officers of theCorporation.  During 2002 Mr. O'Dell andThaddeus J. Clements, each an executive officer, had outstanding loan balancesand these amounts are included in Note 24 "Related PartyTransactions" of the Corporation's Annual Report and Annual Report on Form10-K along with those credits issued to Directors and executive officersthrough the Corporation's banking subsidiary. The highest amount outstanding during 2002 was $398,754 and $127,685 forO'Dell and Clements, respectively.  Thebalance outstanding at February 28, 2003, was $370,255 and $117,485,respectively.  These loans were extendedthrough a line of credit and carry an interest rate at the New York City primerate.  The Corporation discontinuedadvancing amounts under this plan as of July 30, 2002.

**ACCOUNTANTS**

            Deloitte & Touche was selectedby the Board of Directors to serve as the Corporation's independent publicaccountant for its 2002 fiscal year.              On November 7, 2002, the Boardof Directors of the Corporation approved, by unanimous consent, the engagementof Ernst & Young LLP ("Ernst & Young") as its independentauditors for the year ending December 31, 2003, and the dismissal of Deloitte& Touche effective upon completion of their audit of the Corporation'sfinancial statements for 20the year ended December 31, 2002.  TheAudit Committee of the Board of Directors approved the change in auditors onNovember 5, 2002.            Deloitte & Touche wasnotified on November 7 that they would be dismissed upon completion of theiraudit of the Corporation's financial statements for the year ended December 31,2002.            The reports of Deloitte &Touche on the Corporation's financial statements for the years ended December31, 2002, and December 31, 2001, did not contain an adverse opinion or adisclaimer of opinion and were not qualified or modified as to uncertainty,audit scope or accounting principles.            In connection with the auditsof the Corporation's financial statements for the fiscal years ended December31, 2002, and December 31, 2001, there were no disagreements with Deloitte& Touche on any matters of accounting principles or practices, financialstatement disclosure, or auditing scope and procedures, which if not resolvedto the satisfaction of Deloitte & Touche would have caused Deloitte &Touche to make reference to the matter in their report.****            Aggregate fees forthe fiscal year ended December 31, 2002, and December 31, 2001, billed or to bebilled by the Corporation's principal accounting firm, Deloitte & Touchewere:

 

2002

2001

Audit Fees

$305,450

$277,300

Audit Related Fees (a) (b)

$50,300

$30,850

Tax Fees

$-0-

$-0-

All Other Fees

$-0-

$-0-

 

(a)        Deloitte & Touche's "Audit Related Fees" werefor employee benefit plan audits, accounting research and a student loanattestation report, of which 94.4% for 2002 and 98.5% for 2001 werepre-approved.

(b)        The Audit Committee has considered whether the provision ofthese services is compatible with maintaining the independent accountant'sindependence.

            All auditing services (which mayentail providing comfort letters in connection with securities underwritings)and all non-audit services, provided to the Corporation by the Corporation'sauditors which are not prohibited by law shall be pre-approved by the AuditCommittee pursuant to such processes as are determined to be advisable.  Pre-approved shall include blanketpre-approval of non-prohibited services for limited dollar amounts which theAudit Committee, in its business judgment, does not believe possess thepotential for abuse or conflict.21**           **The pre-approvalrequirement set forth above shall not be applicable with respect to theprovision of non-audit services, if:

(i)         the aggregate amount of all such non-audit services providedto the Corporation constitutes not more than 5 percent of the total amount ofrevenues paid by the Corporation to its auditor during the fiscal year in whichthe non-audit services are provided:

(ii)        such services were not recognized by the Corporation at thetime of the engagement to be non-audit services; and

(iii)       such services are promptly brought to the attention of theAudit Committee and approved prior to the completion of the audit by the AuditCommittee or by one or more members of the Audit Committee who are members ofthe Board of Directors to whom authority to grant such approvals has beendelegated by the Audit Committee.

            The Audit Committee may delegate toone or more designated members of the Audit Committee the authority to grantrequired pre-approvals.  The decisionsof any member to whom authority is delegated under this paragraph topre-approve an activity under this subsection shall be presented to the fullAudit Committee at its next scheduled meeting.            The hours expended on theDeloitte & Touche engagement to audit the registrant's financial statementsfor the most recent fiscal year that were attributed to work performed bypersons other than the Deloitte & Touche's full-time, permanent employeeswas less than 50 percent.            Representatives from Deloitte& Touche and Ernst & Young are expected to be present at the AnnualMeeting and will have an opportunity to make a statement, if they desire to doso, and to respond to appropriate questions.

**ANNUAL REPORT**

            A copy of the Corporation's AnnualReport for the fiscal year ended December 31, 2002, is enclosed with this ProxyStatement.            A copy of the Corporation'sForm 10-K annual report for 2002 as filed with the Securities and ExchangeCommission may be obtained without charge upon written request to:  David R. Tomb, Jr., Secretary/Treasurer, P.O.Box 400, Indiana, Pennsylvania 15701.

22

** **

**SHAREHOLDER PROPOSALS**

            Proposals of Corporationshareholders intended to be presented at the Annual Meeting of Shareholders tobe held in the year 2004 must be received by the Secretary of the Corporationnot later than November 22, 2003, in order to be considered for inclusion inthe Corporation's proxy statement for that meeting.            In connection with the 2004Annual Meeting of Shareholders, if the Corporation does not receive notice of amatter or proposal to be considered (whether or not the proponent thereofintends to include such matter or proposal in the proxy statement of theCorporation) on or before February 4, 2004 (45 days prior to mailing date ofthis year's proxy) then the persons appointed by the Board of Directors to actas the proxies for such annual meeting will be allowed to use theirdiscretionary voting authority with respect to any such matter or proposal atsuch annual meeting, if such matter or proposal is raised at such annualmeeting**.**

23

**APPENDIX IFIRST COMMONWEALTH FINANCIAL CORPORATIONAUDIT COMMITTEE CHARTER**

**Purpose**            The Audit Committee (the"Committee") is appointed by the Board to assist the Board inmonitoring (1) the integrity of the financial statements of First CommonwealthFinancial Corporation (the "Corporation"), (2) the independentauditor's qualifications and independence, and (3) the performance of theCorporation's internal audit function and independent auditors, and (4) thecompliance by the Corporation with legal and regulatory requirements.            The primary responsibility ofthe audit committee is to oversee the Corporation's financial reporting processon behalf of the Board and report the results of their activities to theBoard.  Management is responsible forpreparing the Corporation's financial statements and related disclosures andthe Corporation's independent auditors are responsible for auditing thosefinancial statements.  It is not theduty of the Audit Committee to plan or conduct audits or to determine that theCorporation's financial statements are complete and accurate and in accordancewith GAAP.  It shall be the duty of theAudit Committee to assist the Board in the oversight of the Corporation's legaland regulatory requirements.  It is notthe duty of the Audit Committee to assure compliance with the Corporation'sCode of Conduct and Ethics.**Committee Membership**            The Committee shallconsist of no fewer than three and no more than five members, each of whomshall be a director of the Corporation. Each member of the Committee shall meet the independence and experiencerequirements of the listing standards of the New York Stock Exchange(1)and the SEC(2)and all other applicable legal requirements.                                                            (1)        The New York Stock Exchangelisting standards require that each member of the Audit Committee shall be aperson (i) who has no relationship to the Corporation that may interfere withthe exercise of independence from management and the Corporation; (ii) who isnot employed as an executive of another corporation where any of theCorporation's executives serve on that corporation's compensation committee;(iii) who is not or has not been an employee of the Corporation or any of itsaffiliates for five years; and (iv) receives directors' fees as the only compensationfrom the Corporation (normal directors' fees including equity-based awardsinclude the typical additional amounts paid to chairs of Committees and tomembers of Committees that meet more frequently or for longer periods of time).  A director (i) who is a partner, controllingshareholder or executive officer of an organization that has a businessrelationship with the Corporation or (ii) who has a direct businessrelationship with the Corporation, may serve on the Audit Committee only if theCorporation's Board of Directors determines in its business judgment that therelationship does not interfere with the director's exercise of independentjudgment.  A director who meets thedefinition of "independence" mandated for all Audit Committeemembers, but who also holds more 20% or more of the Corporation's stock (or whois a general partner, controlling shareholder or officer of any such holder)cannot chair, or be a voting member of the Audit Committee.  There are also NYSE listing standards thatdefine an "independent director" as a director (i) who the

 

24

            Each member of theCommittee shall be "financially" literate in the business judgment ofthe Board.  A majority of the members ofthe Committee shall constitute a quorum.            The Committee members shall beappointed in accordance with the Corporation's bylaws and policies establishedby the Board.  The Committee members maybe replaced by the Board.            The Committee may request anyofficer or employee of the Corporation or the Corporation's outside counsel orindependent auditor to attend a meeting of the Committee or to meet with anymembers of, or consultants to, the Committee without the consent of managementor the Board.  The Committee shall meetwith management, the internal auditors and the independent auditor in separateexecutive sessions periodically.  TheCommittee shall make regular reports to the Board.  The Committee shall review and reassess the adequacy of thisCharter annually and recommend any proposed changes to the Board for approval.  The Committee shall annually review theAudit Committee's own performance and present such review to the Board.**Statement of Policy**            The Committee shallprovide assistance to the Board in fulfilling its responsibility to theshareholders, potential shareholders, the investment community and othersrelating to the Corporation's corporate accounting and financial reportingprocesses, the systems of internal accounting and financial controls, theinternal audit function, and the annual independent audit of the Corporation'sfinancial statements.            In carrying out itsresponsibilities, the Committee believes its policies and procedures shouldremain flexible, in order to best react to changing circumstances andconditions.            The Committee, and each memberof the Committee in his or her capacity as such, shall be entitled to rely, ingood faith, on information, opinions, reports or statements, or otherinformation prepared or presented to them by (i) officers and other employeesof the Corporation or its direct or indirect subsidiaries, whom such memberbelieves to be reliable                                                             Board of Directors affirmatively determines has no material relationship withthe listed Corporation (either directly or as a partner, shareholder or officerof an organization that has a relationship with the Corporation); (ii) who hasnot been an employee for the Corporation for at least five years; (iii) who isnot, or in the past five years has not been, affiliated or employed by a(present or former) auditor of the Corporation (or of an affiliate) for atleast five years; (iv) who is not, or in the past five years has not been, partof an interlocking directorate in which an executive officer of the Corporationserves on the compensation committee of another Corporation that employs thedirector; (v) who has immediate family members that have satisfied theforegoing five-year "cooling-off" periods.(2)        Under the Sarbanes-Oxley Act of2002, each member of the Committee shall be a member of the Board of Directorsof the Corporation, and shall otherwise be independent.  In order to be considered to be independent,a member of a Committee may not, other than in his or her capacity as a memberof the Committee, the Board of Directors, or any other Board committee (i)accept any consulting, advisory, or other compensatory fee from theCorporation; or (ii) be an affiliated person of the Corporation or anysubsidiary thereof.

25

andcompetent in the matters presented, (ii) counsel, public accountants or otherpersons as to matters which the member believes to be within the professionalcompetence of such person.**Committee Authority and Responsibilities**Responsibilities Relating to Retention of Public Accounting Firms- The Committee shall be directly responsible for the appointment,compensation, oversight of the work, evaluation and termination of anyaccounting firm employed by the Corporation (including resolving disagreementsbetween management and the auditor regarding financial reporting) for thepurpose of preparing or issuing an audit report and related work.  The accounting firm shall report directly tothe Committee.Pre-approval of Services - All auditing services (which may entailproviding comfort letters in connection with securities underwritings) and allnon-audit services provided to the Corporation by the Corporation's auditorswhich are not prohibited by law shall be pre-approved by the Committee pursuantto such processes as are determined to be advisable.  Pre-approved shall include blanket pre-approval of non-prohibitedservices for limited dollar amounts which the Committee, in its businessjudgment, does not believe posseses the potential for abuse or conflict.Exception - The pre-approval requirement set forth above, shall not beapplicable with respect to the provision of non-audit services, if:

(i)         the aggregate amount of all such non-audit services providedto the Corporation constitutes not more than 5 percent of the total amount ofrevenues paid by the Corporation to its auditor during the fiscal year in whichthe non-audit services are provided;

(ii)        such services were not recognized by the Corporation at thetime of the engagement to be non-audit services; and

(iii)       such services are promptly brought to the attention of theCommittee and approved prior to the completion of the audit by the Committee orby one or more members of the Committee who are members of the Board ofDirectors to whom authority to grant such approvals has been delegated by theCommittee.

Delegation- The Committee may delegate to one or more designated members of the Committeethe authority to grant required pre-approvals. The decisions of any member to whom authority is delegated under thisparagraph to pre-approve an activity under this subsection shall be presentedto the full Committee at its next scheduled meeting.Complaints - The Committee shall establish procedures to facilitate:

(i)         the receipt, retention, and treatment of complaints receivedby the Corporation from third parties regarding accounting, internal accountingcontrols, or auditing matters; and

26

(ii)        the confidential, anonymous submission by employees of theCorporation of concerns regarding questionable accounting or auditing matters.

(iii)       The Committee shall have the responsibility of discussing withmanagement, the internal auditors and the independent auditor any employeecomplaints or published reports that raise material issues regarding theCorporation's financial statements or accounting policies and reviewmanagement's replies to such correspondence, complaints, or reports.

FinancialStatement and Disclosure Matters.  The Committee, to the extent it deems necessary or appropriate,shall:Review and discuss with management and the independent auditor the annualaudited financial statements, including disclosures made in management'sdiscussion and analysis of financial condition and results of operation, andrecommend to the Board whether the audited financial statements should beincluded in the Corporation's Form 10-K.Review and discuss with management and the independent auditor theCorporation's quarterly financial statements, including the disclosures made inmanagement's discussion and analysis of financial condition and results ofoperations prior to the filing of the Corporation's Form 10-Q, including theresults of the independent auditors' reviews of the quarterly financialstatements.Discuss with management and the independent auditor significant financialreporting issues and judgments made in connection with the preparation of theCorporation's financial statements, including (i) any significant changes inthe Corporation's selection or application of accounting principles, (ii) anymajor issues as to the adequacy of the Corporation's internal controls anddisclosure controls and procedures (as defined in SEC Rule 13a-14(c)), (iii)the development, selection and disclosure of critical accounting estimates,(iv) analyses of the effect of alternative assumptions, estimates or GAAPmethods on the Corporation's financial statements, (v) analyses and disclosureof financial trends, and (vi) presentation of the financial statements andnotes thereto.Discuss with management the Corporation's earnings press releases, includingthe use of "pro forma," "adjusted" or other non-GAAP information,as well as financial information and earnings guidance provided to analysts andrating agencies.Discuss with management and the independent auditor the effect of accountinginitiatives as well as off-balance sheet structures on the Corporation's financialstatements.Discuss with management, the internal auditors and the legal/compliancedepartment the effect of regulatory initiatives on the Corporation's financialstatements.27Discuss with management the Corporation's major financial risk exposures andthe steps management has taken to monitor and control such exposures, includingthe Corporation's risk assessment and risk management policies.Discuss with the independent auditor the matters required to be discussed byStatement on Auditing Standards No. 61 relating to the conduct of the auditincluding:

(a)        The adoption of, or changes to, the Corporation's significantauditing and accounting principles and practices.

(b)        The management letter provided by the independent auditor andthe Corporation's response to that letter.

(c)        Any difficulties encountered in the course of the audit work,including any restrictions on the scope of activities or access to requestedinformation, or personnel and any significant disagreements with management.

Oversight of the Corporation's Relationship with the Independent AuditorReview the experience and qualifications of the senior members of theindependent auditor team.Obtain and review a written report from the independent auditor at least annuallyregarding (i) the auditor's internal quality-control procedures, (ii) anymaterial issues raised by the most recent quality-control review, or peerreview, of the firm, or by any inquiry or investigation by governmental orprofessional authorities within the preceding five years concerning one or moreindependent audits carried out by the firm, (iii) any steps taken to deal withany such issues, and (iv) all relationships, both direct and indirect, betweenthe independent auditor and the Corporation. Evaluate the qualifications, performance and independence of theindependent auditor, including considering whether the auditor's qualitycontrols are adequate and the provision of non-audit services is compatiblewith maintaining the auditor's independence, and taking into account theopinions of management and the internal auditor.  The Committee shall present its conclusions to the Board and, ifso determined by the Committee, recommend that the Board take additional actionto satisfy itself of the qualifications, performance and independence of theauditor.Consider whether, in order to assure continuing auditor independence, it isappropriate to adopt a policy of rotating the lead audit partner or even theindependent auditing firm itself on a regular basis.Recommend to the Board policies for the Corporation's hiring of employees orformer employees of the independent auditor who were engaged on theCorporation's account.Discuss with the independent auditor issues on which the independent auditorcommunicated with its national office regarding auditing or accounting issues.28Meet with the independent auditor prior to the audit to discuss the planningand staffing of the audit.Oversight of the Corporation's Internal Audit FunctionReview and approve the audit plan of the internal audit department.Review the significant reports to management prepared by the internal auditingdepartment and management's responses.Discuss with the independent auditor the internal audit departmentresponsibilities, budget and staffing of the internal audit function.Compliance OversightObtain from the independent auditor such assurance as it deems adequatethat such auditor has fulfilled its responsibilities under Section 10A of theSecurities Exchange Act of 1934.Review the compliance reports and internal risk reports addressing legal andregulatory compliance and current and potential litigation risk within theCorporation.  Also, discuss withmanagement, the internal auditors and the independent auditor any significantor material correspondence with regulators or governmental agencies, includingall examination reports received from the various supervisory authorities.  Review reports and disclosures of insiderand affiliated party transactions.The Committee will address and take action, as it deems necessary orappropriate, with respect to any issues regarding the provisions of sectionVIII.A.(c) of the Code of Conduct and Ethics and paragraphs 2 and 3 of theCorporation's Code of Ethics for Chief Executive Officer ("CEO") andSenior Financial Officers to the extent the issue relates to accounting anddisclosure and regulations of the SEC, the NYSE, the Federal Reserve Board orother bank regulatory authority, and paragraph 4 of such Code to the extent suchmisrepresentation or omission relates to financial statements or relatedfinancial information.The Committee will address and take any action, as it deems necessary orappropriate, with respect to any issues relating to inquiries or investigationsregarding the quality of financial reports filed by the Corporation with theSEC or otherwise distributed to the public.Miscellaneous Powers and ResponsibilitiesThe Committee shall have the power to investigate any matter brought to itsattention within the scope of its duties.The Committee shall have the responsibility to submit the minutes of allmeetings of the Committee to the Board of Directors.29The Committee shall have the responsibility of reviewing and assessing theadequacy of this Charter at least annually and submitting it to the Board forapproval.The Committee shall have the responsibility to prepare the report required tobe included in the Corporation's annual proxy statement by the rules of theSEC.The Committee shall have the power to access the Corporation's counsel withoutthe approval of management, as it determines necessary to carry out its duties.The Committee shall also have the authority without the consent of managementor the Board, at the Corporation's expense, to the extent it deems necessary orappropriate, to retain special independent legal, accounting or otherconsultants to advise the Committee in connection with fulfilling itsobligations hereunder.**Meetings**            The Committee shallmeet as often as it determines, but not less frequently than quarterly.  The Committee may form and delegateauthority to Committee members when appropriate, including specifically thepre-approval of non-audit services and the review of earnings releases, andearnings guidance.            Minutes of each meeting willbe compiled by the Corporation's Corporate Secretary who shall act as Secretaryto the Committee, or in the absence of the Corporate Secretary, by an AssistantCorporate Secretary of the Corporation or any other person designated by theCommittee.30

APPENDIX  (PROXY CARD)  (This Section Intentionally Blank)  Detach Proxy Card Here  - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - -  - - - - - - - - - - - - - - - - - - - - - - - -         Please Sign, Date and Return the        Proxy Promptly Using the Enclosed                          Votes must be indicated         Enclosed Envelope                                                  (x) in Black or Blue Ink.  1.   Election of the following nominees as Directors to serve for  terms ending in 2006.
FOR ALL  [ ]WITHHOLD [ ]       FOR ALLEXCEPTIONS  [ ]To change your address,      please mark this box. [ ]       To include any comments,       please mark this box. [ ]
  Nominees:  James W. Newill, John A. Robertshaw, Jr., and Laurie Stern Singer  (INSTRUCTIONS: To withhold authority to vote for any individual nominee, mark  the  "Exceptions" box and write that nominee's name in the space provided  below.)  *Exceptions                                                                                                             SCAN LINE  Please sign exactly as name appears hereon.  When signing as attorney,  executor, administrator, trustee or guardian, please give your full title as  such.  For joint accounts each joint owner should sign.  If a corporation,  please sign in full corporate name by President or other authorized officer,  giving your full title as such.  If a partnership, please sign in name  by authorized person, giving your full title as such.  Date            Share  Owner sign here                                       Co-Owner sign here                                     31

FIRST COMMONWEALTH FINANCIALCORPORATIONOld Courthouse Square, 22 North Sixth StreetIndiana, Pennsylvania 15701NOTICE OF ANNUAL MEETING OF SHAREHOLDERSApril 21, 2003

TheAnnual Meeting of Shareholders of First Commonwealth Financial Corporation willbe held at 654 Philadelphia Street, Indiana, PA on Monday, April 21, 2003 at3:00 p.m., local time, for the following purposes:      1.   Toelect three Directors to serve for terms expiring in 2006.      2.   Toact on such other matters as may properly come before the Meeting.Only holders of Common Stock of First Commonwealth Financial Corporation ofrecord at the close of business on March 3, 2003 will be entitled to vote atthe meeting or any adjournment thereof.To be sure that your vote is counted, we urge you to complete and sign theproxy/voting instruction card below, detach it from this letter and return itin the postage paid envelope enclosed in this package.  The giving of such proxy card does notaffect your right to vote in person if you attend the meeting.- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - 

FIRST COMMONWEALTH FINANCIALCORPORATIONANNUAL MEETING OF SHAREHOLDERS TO BE HELD ON APRIL 21, 2003

This Proxy is Solicited onBehalf of the Board of Directors ofFirst Commonwealth Financial Corporation

      The undersigned shareholder of FirstCommonwealth Financial Corporation ("the Corporation") herebyappoints Daniel J. McAnulty, Carrie L. Riggle, Sheila M. Hoover, and each ofthem, as proxies of the undersigned to vote at the Annual Meeting ofShareholders of the Corporation the shares which the undersigned would beentitled to vote if personally present on the following matter and such othermatters as may properly come before the meeting.      This proxy when properly executedwill be voted in the manner directed herein. If no direction is made, this proxy will be voted FOR Proposal 1.      The undersigned hereby revokes allprevious proxies for the Annual Meeting of Shareholders, hereby acknowledgesreceipt of the Notice of Annual Meeting and Proxy Statement furnished therewithand hereby ratifies all that the said proxies may do by virtue hereof.(Continued, and to be signed and dated on the reverse side.)FIRST COMMONWEALTH FINANCIAL CORPORATIONP. O. BOX 11043NEW YORK, NY 10203-0043

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