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

                                              Form 13F

                                     Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:   June 30, 2003

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,  August 14, 2003

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: 198

Form 13F Information Table Value Total: $140,369    (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      577     4,470 SH        DEFINED         1     4,470         0        0
3M CO                               Common  88579Y101      629     4,880 SH         OTHER          1     4,880         0        0
ABBOTT LABORATORIES                 Common  002824100        9       200 SH         OTHER          1       200         0        0
ABBOTT LABORATORIES                 Common  002824100      196     4,472 SH        DEFINED         1     4,472         0        0
ALCOA INC.                          Common  013817101       70     2,750 SH         OTHER          1     2,750         0        0
ALCOA INC.                          Common  013817101      409    16,050 SH        DEFINED         1    16,050         0        0
ALLSTATE CORP                       Common  020002101      617    17,303 SH        DEFINED         1    17,303         0        0
ALLSTATE CORP                       Common  020002101      264     7,402 SH         OTHER          1     7,402         0        0
ALLTEL CORP                         Common  020039103      471     9,771 SH        DEFINED         1     7,840     1,931        0
ALLTEL CORP                         Common  020039103      372     7,716 SH         OTHER          1       800     6,916        0
ALTRIA GROUP INC                    Common  02209S103      638    14,050 SH        DEFINED         1    14,050         0        0
ALTRIA GROUP INC                    Common  02209S103    1,551    34,140 SH         OTHER          1    34,140         0        0
AMERICAN EAGLE OUTFITTE             Common  02553E106        3       175 SH         OTHER          1       175         0        0
AMERICAN EAGLE OUTFITTE             Common  02553E106      193    10,475 SH        DEFINED         1    10,475         0        0
AMERICAN EXPRESS CO                 Common  025816109      284     6,798 SH        DEFINED         1     6,798         0        0
AMERICAN INTERNATIONAL              Common  026874107      875    15,859 SH        DEFINED         1    15,859         0        0
AMERICAN INTERNATIONAL              Common  026874107       84     1,531 SH         OTHER          1     1,531         0        0
AMGEN INC                           Common  031162100    1,066    16,160 SH        DEFINED         1    16,160         0        0
AMGEN INC                           Common  031162100       35       525 SH         OTHER          1       525         0        0
ANHEUSER BUSCH COS INC              Common  035229103    1,192    23,344 SH        DEFINED         1    23,344         0        0
ANHEUSER BUSCH COS INC              Common  035229103       46       900 SH         OTHER          1       900         0        0
AOL TIME WARNER INC                 Common  00184A105      272    16,883 SH        DEFINED         1    16,883         0        0
AOL TIME WARNER INC                 Common  00184A105       22     1,350 SH         OTHER          1     1,350         0        0
APACHE CORP                         Common  037411105      520     7,997 SH        DEFINED         1     7,997         0        0
APACHE CORP                         Common  037411105       17       262 SH         OTHER          1         0       262        0
AUTOMATIC DATA PROCESSI             Common  053015103       61     1,800 SH         OTHER          1     1,800         0        0
AUTOMATIC DATA PROCESSI             Common  053015103      469    13,853 SH        DEFINED         1    13,853         0        0
BANK OF AMERICA CORP CO             Common  060505104      827    10,462 SH        DEFINED         1    10,462         0        0
BANK OF AMERICA CORP CO             Common  060505104       83     1,050 SH         OTHER          1     1,050         0        0
BELLSOUTH CORP                      Common  079860102      633    23,751 SH        DEFINED         1    23,351       400        0
BELLSOUTH CORP                      Common  079860102      109     4,095 SH         OTHER          1     3,895       200        0
BERKSHIRE SECURITIES                Common  084991868      324     1,800 SH         OTHER          1     1,800         0        0
BERKSHIRE SECURITIES                Common  084991868      648     3,600 SH        DEFINED         1     3,600         0        0
BEST BUY CO INC                     Common  086516101      493    11,225 SH        DEFINED         1    11,225         0        0
BICO INC COM                        Common  088766100        0   101,100 SH        DEFINED         1   101,100         0        0
BOEING CO                           Common  097023105       64     1,869 SH         OTHER          1     1,869         0        0
BOEING CO                           Common  097023105      544    15,843 SH        DEFINED         1    15,843         0        0
BP AMOCO PLC SPONSORED              Common  055622104      659    15,690 SH        DEFINED         1    15,690         0        0
BP AMOCO PLC SPONSORED              Common  055622104      264     6,281 SH         OTHER          1     5,279     1,002        0
BRISTOL MYERS SQUIB                 Common  110122108      230     8,480 SH        DEFINED         1     8,480         0        0
BRISTOL MYERS SQUIB                 Common  110122108       32     1,168 SH         OTHER          1     1,168         0        0
CARDINAL HEALTH INC                 Common  14149Y108      781    12,149 SH        DEFINED         1    12,149         0        0
CARDINAL HEALTH INC                 Common  14149Y108       42       650 SH         OTHER          1       650         0        0
CATERPILLAR INC                     Common  149123101      539     9,682 SH        DEFINED         1     9,682         0        0
CATERPILLAR INC                     Common  149123101       43       775 SH         OTHER          1       775         0        0
CHEVRON TEXACO CORP                 Common  166764100      129     1,781 SH         OTHER          1     1,381         0      400
CHEVRON TEXACO CORP                 Common  166764100      371     5,141 SH        DEFINED         1     5,141         0        0
CISCO SYSTEMS                       Common  17275R102      780    46,458 SH        DEFINED         1    46,458         0        0
CISCO SYSTEMS                       Common  17275R102      107     6,350 SH         OTHER          1     6,050         0      300
CITIGROUP INC COM                   Common  172967101      109     2,542 SH         OTHER          1     2,040       502        0
CITIGROUP INC COM                   Common  172967101    1,237    28,899 SH        DEFINED         1    28,899         0        0
CNB FINANCIAL CORP.                 Common  126128107      416     9,360 SH        DEFINED         1     9,360         0        0
COMCAST CORP NEW                    Common  20030N101      103     3,406 SH         OTHER          1     2,901       387      118
COMCAST CORP NEW                    Common  20030N101      185     6,136 SH        DEFINED         1     6,136         0        0
COMMUNITY BANKERS CORP              Common  20361A108      812    62,953 SH          SOLE               62,953         0        0
CORNING INC COM                     Common  219350105        4       600 SH         OTHER          1       600         0        0
CORNING INC COM                     Common  219350105      138    18,675 SH        DEFINED         1    18,675         0        0
CROWN AMERICAN REALTY T             Common  228186102      222    20,660 SH        DEFINED         1    20,660         0        0
CTC COMMUNICATIONS GROU             Common  126419100        0    10,000 SH        DEFINED         1    10,000         0        0
DELL COMPUTER CORP                  Common  247025109      236     7,400 SH        DEFINED         1     7,400         0        0
DUPONT DE NEMOUR                    Common  263534109      495    11,892 SH        DEFINED         1    11,892         0        0
DUPONT DE NEMOUR                    Common  263534109      117     2,800 SH         OTHER          1     1,000     1,800        0
EMBRYO DEVELOPMENT CORP             Common  290818103        0    15,000 SH        DEFINED         1    15,000         0        0
EMC CORP                            Common  268648102      187    17,875 SH        DEFINED         1    17,875         0        0
EMC CORP                            Common  268648102        4       350 SH         OTHER          1       350         0        0
EMERSON ELECTRIC CO                 Common  291011104       15       300 SH        DEFINED         1       300         0        0
EMERSON ELECTRIC CO                 Common  291011104      497     9,730 SH         OTHER          1     9,730         0        0
EXXON MOBIL CORP                    Common  30231G102    1,820    50,677 SH         OTHER          1    29,851    20,626      200
EXXON MOBIL CORP                    Common  30231G102    2,542    70,793 SH        DEFINED         1    70,793         0        0
F N B CORP PA                       Common  302520101      361    11,929 SH         OTHER          1    11,929         0        0
F N B CORP PA                       Common  302520101       57     1,890 SH        DEFINED         1     1,890         0        0
FEDERAL NATIONAL MORTGA             Common  313586109      551     8,170 SH        DEFINED         1     8,170         0        0
FEDERAL NATIONAL MORTGA             Common  313586109       91     1,350 SH         OTHER          1     1,350         0        0
FIRST COMMONWEALTH FINA             Common  319829107   19,458 1,501,357 SH        DEFINED         1 1,493,011     8,346        0
FIRST COMMONWEALTH FINA             Common  319829107    2,435   187,851 SH         OTHER          1   135,041    52,810        0
FLEXTRONICS INTL LTD                Common  Y2573F102      160    15,300 SH        DEFINED         1    15,300         0        0
FPL GROUP INC                       Common  302571104      247     3,700 SH        DEFINED         1     3,700         0        0
FPL GROUP INC                       Common  302571104       27       400 SH         OTHER          1       400         0        0
FULTON FINANCIAL CORP               Common  360271100    2,863   143,882 SH        DEFINED             143,882         0        0
GA FINANCIAL INC                    Common  361437106      629    25,000 SH        DEFINED              25,000         0        0
GENERAL ELECTRIC                    Common  369604103    2,891   100,813 SH        DEFINED         1   100,813         0        0
GENERAL ELECTRIC                    Common  369604103    3,898   135,930 SH         OTHER          1   132,350     3,580        0
GENERAL MILLS INC                   Common  370334104      177     3,740 SH         OTHER          1     3,740         0        0
GENERAL MILLS INC                   Common  370334104      145     3,060 SH        DEFINED         1     3,060         0        0
HARLEY DAVIDSON INC                 Common  412822108       42     1,050 SH         OTHER          1       750       300        0
HARLEY DAVIDSON INC                 Common  412822108      442    11,095 SH        DEFINED         1    11,095         0        0
H. J. HEINZ COMPANY                 Common  423074103      315     9,549 SH         OTHER          1     9,549         0        0
H. J. HEINZ COMPANY                 Common  423074103       54     1,630 SH        DEFINED         1     1,630         0        0
INGERSOLL-RAND COMPANY              Common  G4776G101      284     6,000 SH         OTHER          1     6,000         0        0
INTEL CORP                          Common  458140100      114     5,500 SH         OTHER          1     5,500         0        0
INTEL CORP                          Common  458140100    1,057    50,804 SH        DEFINED         1    50,804         0        0
INT'L BUSINESS MACHINES             Common  459200101    1,326    16,078 SH         OTHER          1    15,978       100        0
INT'L BUSINESS MACHINES             Common  459200101    1,653    20,031 SH        DEFINED         1    20,031         0        0
JACOBS ENGR GROUP INC               Common  469814107        8       200 SH         OTHER          1       200         0        0
JACOBS ENGR GROUP INC               Common  469814107      569    13,505 SH        DEFINED         1    13,505         0        0
JOHNSON & JOHNSON                   Common  478160104    1,301    25,159 SH        DEFINED         1    25,159         0        0
JOHNSON & JOHNSON                   Common  478160104      584    11,290 SH         OTHER          1    10,890       400        0
JUNIATA VALLEY FINANCIA             Common  482016102      730    24,119 SH        DEFINED         1    24,119         0        0
KRAFT FOODS INC                     Common  50075N104      446    13,710 SH        DEFINED         1    13,710         0        0
KRAFT FOODS INC                     Common  50075N104       10       300 SH         OTHER          1       300         0        0
LENNAR CORP COM                     Common  526057104      523     7,310 SH        DEFINED         1     7,310         0        0
LENNAR CORP COM                     Common  526057104        7       100 SH         OTHER          1       100         0        0
LOWES COS INC                       Common  548661107      105     2,450 SH         OTHER          1     2,150       300        0
LOWES COS INC                       Common  548661107      956    22,262 SH        DEFINED         1    22,262         0        0
LUCENT TECHNOLOGIES INC             Common  549463107       27    13,243 SH        DEFINED         1    13,167        76        0
LUCENT TECHNOLOGIES INC             Common  549463107        7     3,467 SH         OTHER          1     3,187       280        0
MAGNITUDE INFORMATION S             Common  559534102        9   112,400 SH        DEFINED         1   112,400         0        0
MBNA CORP                           Common  55262L100      555    26,609 SH        DEFINED         1    26,609         0        0
MBNA CORP                           Common  55262L100      134     6,424 SH         OTHER          1     6,424         0        0
MCCORMICK & CO INC                  Common  579780206      314    11,550 SH        DEFINED         1    11,550         0        0
MELLON FINANCIAL CORP C             Common  58551A108      338    12,184 SH        DEFINED         1    12,184         0        0
MELLON FINANCIAL CORP C             Common  58551A108      214     7,703 SH         OTHER          1     4,308     3,395        0
MERCK & COMPANY INC                 Common  589331107    2,007    33,140 SH         OTHER          1    32,340       800        0
MERCK & COMPANY INC                 Common  589331107    1,575    26,006 SH        DEFINED         1    26,006         0        0
MERRILL LYNCH & CO                  Common  590188108      149     3,200 SH         OTHER          1     3,200         0        0
MERRILL LYNCH & CO                  Common  590188108    1,040    22,275 SH        DEFINED         1    22,275         0        0
MICROSOFT CORP                      Common  594918104       77     3,000 SH         OTHER          1     3,000         0        0
MICROSOFT CORP                      Common  594918104      902    35,167 SH        DEFINED         1    35,167         0        0
MORGAN STANLEY DEAN WIT             Common  617446448      210     4,914 SH         OTHER          1     4,914         0        0
MORGAN STANLEY DEAN WIT             Common  617446448        3        60 SH        DEFINED         1        60         0        0
NATIONAL CITY CORP                  Common  635405103      202     6,176 SH        DEFINED         1     6,176         0        0
NATL PENN BCSHS INC                 Common  637138108      751    26,731 SH        DEFINED              26,731         0        0
NEW MEXICO BANQUEST                 Common  647991926       85       754 SH         OTHER          1       754         0        0
NEW MEXICO BANQUEST                 Common  647991926      817     7,207 SH        DEFINED         1     7,207         0        0
NEWELL RUBBERMAID INC               Common  651229106      216     7,723 SH        DEFINED         1     7,723         0        0
NEWELL RUBBERMAID INC               Common  651229106      172     6,156 SH         OTHER          1     6,156         0        0
NOBLE CORPORATION                   Common  G65422100      309     9,000 SH        DEFINED         1     9,000         0        0
NOBLE CORPORATION                   Common  G65422100        7       200 SH         OTHER          1       200         0        0
NORTH PITTSBURGH SYS IN             Common  661562108    1,236    83,270 SH         OTHER          1    65,600    17,670        0
NOVELLUS SYSTEMS INC                Common  670008101      505    13,790 SH        DEFINED         1    13,790         0        0
OMEGA FINANCIAL CORP                Common  682092101    1,471    43,039 SH        DEFINED              43,039         0        0
ORACLE CORP                         Common  68389X105      536    44,602 SH        DEFINED         1    44,602         0        0
ORACLE CORP                         Common  68389X105       28     2,366 SH         OTHER          1     2,366         0        0
P P G INDUSTRIES INC                Common  693506107    1,589    31,324 SH         OTHER          1    25,474     5,850        0
P P G INDUSTRIES INC                Common  693506107      465     9,167 SH        DEFINED         1     9,167         0        0
PARKVALE FINANCIAL CORP             Common  701492100    2,835   116,100 SH        DEFINED             116,100         0        0
PEPSICO INCORPORATED                Common  713448108      924    20,775 SH         OTHER          1    20,375       400        0
PEPSICO INCORPORATED                Common  713448108    1,377    30,939 SH        DEFINED         1    30,939         0        0
PFIZER INC                          Common  717081103    2,638    77,250 SH        DEFINED         1    77,250         0        0
PFIZER INC                          Common  717081103      889    26,032 SH         OTHER          1    26,032         0        0
PNC BANK CORP                       Common  693475105      146     3,000 SH         OTHER          1     3,000         0        0
PNC BANK CORP                       Common  693475105      493    10,109 SH        DEFINED         1     9,559         0      550
PNC FINANCIAL SERVICES GROUP        Common  693475105    9,274   190,000 SH        DEFINED             190,000         0        0
PPL CORP COM                        Common  69351T106      280     6,500 SH         OTHER          1     6,500         0        0
PPL CORP COM                        Common  69351T106      542    12,615 SH        DEFINED         1    12,615         0        0
PRICE T ROWE GROUP INC              Common  74144T108      578    15,290 SH        DEFINED         1    15,290         0        0
PRICE T ROWE GROUP INC              Common  74144T108        6       150 SH         OTHER          1       150         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,958    21,950 SH         OTHER          1    21,650       200      100
PROCTER & GAMBLE CO                 Common  742718109    1,935    21,703 SH        DEFINED         1    21,703         0        0
PUBLIC SERV ELEC GAS                Common  744573106       33       779 SH        DEFINED         1       779         0        0
PUBLIC SERV ELEC GAS                Common  744573106      329     7,780 SH         OTHER          1     7,780         0        0
QUALCOMM INC                        Common  747525103      315     8,775 SH        DEFINED         1     8,775         0        0
QUALCOMM INC                        Common  747525103       22       600 SH         OTHER          1       600         0        0
ROCKWELL AUTOMATION INC             Common  773903109      167     6,988 SH        DEFINED         1     6,988         0        0
ROCKWELL AUTOMATION INC             Common  773903109       64     2,688 SH         OTHER          1     2,688         0        0
ROCKWELL COLLINS INC                Common  774341101      169     6,844 SH        DEFINED         1     6,844         0        0
ROCKWELL COLLINS INC                Common  774341101       66     2,688 SH         OTHER          1     2,688         0        0
ROYAL BANCSHARES OF PENN-A          Common  780081105    1,990    92,904 SH        DEFINED              92,904         0        0
ROYAL DUTCH PETROLEUM N             Common  780257804       48     1,033 SH         OTHER          1     1,033         0        0
ROYAL DUTCH PETROLEUM N             Common  780257804      311     6,675 SH        DEFINED         1     6,675         0        0
S & T BANCORP INC                   Common  783859101      490    17,844 SH         OTHER          1    17,844         0        0
S & T BANCORP INC                   Common  783859101    1,778    64,804 SH        DEFINED         1    64,804         0        0
S & T BANCORP INC                   Common  783859101    3,411   124,301 SH        DEFINED             124,301         0        0
SBC COMMUNICATIONS INC              Common  78387G103      263    10,290 SH         OTHER          1    10,290         0        0
SBC COMMUNICATIONS INC              Common  78387G103      627    24,524 SH        DEFINED         1    24,524         0        0
SCHLUMBERGER LTD                    Common  806857108      415     8,717 SH        DEFINED         1     8,717         0        0
SCHLUMBERGER LTD                    Common  806857108       33       684 SH         OTHER          1       584       100        0
SOUTHWEST AIRLINES                  Common  844741108       21     1,212 SH         OTHER          1     1,012       200        0
SOUTHWEST AIRLINES                  Common  844741108      281    16,326 SH        DEFINED         1    16,326         0        0
ST JUDE MED INC COM                 Common  790849103      683    11,875 SH        DEFINED         1    11,875         0        0
SUN BANCORP INC                     Common  866634108    1,791    88,963 SH        DEFINED              88,963         0        0
SUNMICRO SYSTEMS                    Common  866810104       19     4,066 SH         OTHER          1     4,066         0        0
SUNMICRO SYSTEMS                    Common  866810104       39     8,325 SH        DEFINED         1     8,325         0        0
SUNOCO INC COM                      Common  86764P109      362     9,600 SH        DEFINED         1     9,600         0        0
SUSQUEHANNA BANC SHS                Common  869099101    1,219    52,242 SH        DEFINED         1    52,242         0        0
SUSQUEHANNA BANCSHARES INC          Common  869099101    4,130   176,930 SH        DEFINED             176,930         0        0
TARGET CORP                         Common  87612E106      131     3,475 SH         OTHER          1     3,475         0        0
TARGET CORP                         Common  87612E106    1,009    26,653 SH        DEFINED         1    26,653         0        0
TENET HEALTHCARE CORP               Common  88033G100      137    11,782 SH        DEFINED         1    11,782         0        0
TEXAS INSTRUMENTS INC               Common  882508104      169     9,586 SH        DEFINED         1     9,586         0        0
TEXAS INSTRUMENTS INC               Common  882508104       26     1,500 SH         OTHER          1     1,500         0        0
TYCO INTERNATIONAL LTD              Common  902124106      334    17,603 SH        DEFINED         1    17,603         0        0
TYCO INTERNATIONAL LTD              Common  902124106        3       175 SH         OTHER          1       175         0        0
UNION PACIFIC CORP                  Common  907818108        6       100 SH         OTHER          1        50        50        0
UNION PACIFIC CORP                  Common  907818108      370     6,375 SH        DEFINED         1     6,375         0        0
UPSIDE DEVELOPMENT INC              Common  91673P109        0    60,000 SH        DEFINED         1    60,000         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,353    34,304 SH         OTHER          1    29,632     4,672        0
VERIZON COMMUNICATIONS              Common  92343V104    1,794    45,477 SH        DEFINED         1    45,477         0        0
VIACOM INC. NEW                     Common  925524308       11       252 SH         OTHER          1       252         0        0
VIACOM INC. NEW                     Common  925524308      334     7,641 SH        DEFINED         1     7,641         0        0
VIRAGEN INC                         Common  927638106        2    10,000 SH        DEFINED         1    10,000         0        0
WACHOVIA CORP                       Common  929903102      692    17,325 SH        DEFINED         1    17,325         0        0
WAL-MART STORES INC                 Common  931142103    1,322    24,637 SH        DEFINED         1    24,637         0        0
WAL-MART STORES INC                 Common  931142103       94     1,750 SH         OTHER          1     1,750         0        0
WELLS FARGO & CO COM                Common  949746101      720    14,287 SH        DEFINED         1    14,287         0        0
WELLS FARGO & CO COM                Common  949746101       18       366 SH         OTHER          1       366         0        0
WYETH COM                           Common  983024100      441     9,680 SH        DEFINED         1     9,680         0        0
WYETH COM                           Common  983024100      203     4,450 SH         OTHER          1     4,450         0        0

GRAND TOTALS                                           140,369


</TABLE>