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

                                              Form 13F

                                     Form 13F COVER PAGE

Report for the Calendar Year or Quarter Ended:   September 30, 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,  November 10, 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: 216

Form 13F Information Table Value Total: $146,747    (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 AUTHORITY
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      231     3,350 SH        DEFINED         1     3,350         0        0
3M CO                               Common  88579Y101      337     4,880 SH         OTHER          1     4,880         0        0
ABBOTT LABORATORIES                 Common  002824100      474    11,142 SH        DEFINED         1    11,142         0        0
ABBOTT LABORATORIES                 Common  002824100       12       275 SH         OTHER          1       275         0        0
ALCOA INC.                          Common  013817101      501    19,155 SH        DEFINED         1    19,155         0        0
ALCOA INC.                          Common  013817101       81     3,100 SH         OTHER          1     3,100         0        0
ALLSTATE CORP                       Common  020002101      512    14,028 SH        DEFINED         1    14,028         0        0
ALLSTATE CORP                       Common  020002101      268     7,327 SH         OTHER          1     7,327         0        0
ALLTEL CORP                         Common  020039103      667    14,401 SH        DEFINED         1    12,470     1,931        0
ALLTEL CORP                         Common  020039103      413     8,916 SH         OTHER          1     1,900     7,016        0
ALTRIA GROUP INC                    Common  02209S103      659    15,050 SH        DEFINED         1    15,050         0        0
ALTRIA GROUP INC                    Common  02209S103    1,482    33,840 SH         OTHER          1    33,840         0        0
AMERICAN EXPRESS CO                 Common  025816109      304     6,742 SH        DEFINED         1     6,742         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107      915    15,865 SH        DEFINED         1    15,865         0        0
AMERICAN INTERNATIONAL GROUP IN     Common  026874107       88     1,531 SH         OTHER          1     1,531         0        0
AMGEN INC                           Common  031162100    1,090    16,890 SH        DEFINED         1    16,890         0        0
AMGEN INC                           Common  031162100       44       675 SH         OTHER          1       675         0        0
ANHEUSER BUSCH COS INC              Common  035229103    1,134    22,984 SH        DEFINED         1    22,984         0        0
ANHEUSER BUSCH COS INC              Common  035229103       42       850 SH         OTHER          1       850         0        0
AOL TIME WARNER INC                 Common  00184A105      138     9,145 SH        DEFINED         1     9,145         0        0
AOL TIME WARNER INC                 Common  00184A105       20     1,300 SH         OTHER          1     1,300         0        0
APACHE CORP                         Common  037411105      544     7,842 SH        DEFINED         1     7,842         0        0
APACHE CORP                         Common  037411105       22       312 SH         OTHER          1        50       262        0
AUTOMATIC DATA PROCESSING INC       Common  053015103      352     9,807 SH        DEFINED         1     9,807         0        0
AUTOMATIC DATA PROCESSING INC       Common  053015103       57     1,600 SH         OTHER          1     1,600         0        0
BANK OF AMERICA CORP COM            Common  060505104      880    11,272 SH        DEFINED         1    11,272         0        0
BANK OF AMERICA CORP COM            Common  060505104      158     2,025 SH         OTHER          1     2,025         0        0
BECTON DICKINSON & CO               Common  075887109      261     7,230 SH        DEFINED         1     7,230         0        0
BECTON DICKINSON & CO               Common  075887109        3        75 SH         OTHER          1        75         0        0
BELLSOUTH CORP                      Common  079860102      405    17,118 SH        DEFINED         1    16,718       400        0
BELLSOUTH CORP                      Common  079860102       92     3,902 SH         OTHER          1     3,702       200        0
BERKSHIRE SECURITIES                Common  084991868      698     3,600 SH        DEFINED         1     3,600         0        0
BERKSHIRE SECURITIES                Common  084991868      349     1,800 SH         OTHER          1     1,800         0        0
BEST BUY CO INC                     Common  086516101      206     4,325 SH        DEFINED         1     4,325         0        0
BICO INC COM                        Common  088766100        0   101,100 SH        DEFINED         1   101,100         0        0
BJ SVCS CO                          Common  055482103      260     7,615 SH        DEFINED         1     7,615         0        0
BJ SVCS CO                          Common  055482103        3       100 SH         OTHER          1       100         0        0
BOEING CO                           Common  097023105      238     6,918 SH        DEFINED         1     6,918         0        0
BOEING CO                           Common  097023105       60     1,744 SH         OTHER          1     1,744         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      557    13,226 SH        DEFINED         1    13,226         0        0
BP AMOCO PLC SPONSORED ADR          Common  055622104      264     6,281 SH         OTHER          1     5,279     1,002        0
BRISTOL MYERS SQUIB                 Common  110122108      207     8,080 SH        DEFINED         1     8,080         0        0
BRISTOL MYERS SQUIB                 Common  110122108       35     1,368 SH         OTHER          1     1,368         0        0
CARDINAL HEALTH INC                 Common  14149Y108      794    13,604 SH        DEFINED         1    13,604         0        0
CARDINAL HEALTH INC                 Common  14149Y108       50       850 SH         OTHER          1       850         0        0
CATERPILLAR INC                     Common  149123101      276     4,007 SH        DEFINED         1     4,007         0        0
CATERPILLAR INC                     Common  149123101       46       675 SH         OTHER          1       675         0        0
CENDANT CORPORATION                 Common  151313103      346    18,520 SH        DEFINED         1    18,520         0        0
CENDANT CORPORATION                 Common  151313103        4       200 SH         OTHER          1       200         0        0
CHEVRON TEXACO CORP                 Common  166764100      367     5,141 SH        DEFINED         1     5,141         0        0
CHEVRON TEXACO CORP                 Common  166764100      127     1,781 SH         OTHER          1     1,381         0      400
CISCO SYSTEMS                       Common  17275R102    1,067    54,458 SH        DEFINED         1    54,458         0        0
CISCO SYSTEMS                       Common  17275R102      134     6,850 SH         OTHER          1     6,550         0      300
CITIGROUP INC COM                   Common  172967101    1,402    30,804 SH        DEFINED         1    30,804         0        0
CITIGROUP INC COM                   Common  172967101      145     3,192 SH         OTHER          1     2,690       502        0
CNB FINANCIAL CORP.                 Common  126128107      395     9,360 SH        DEFINED         1     9,360         0        0
COMCAST CORP NEW                    Common  20030N101      192     6,221 SH        DEFINED         1     6,221         0        0
COMCAST CORP NEW                    Common  20030N101      103     3,352 SH         OTHER          1     2,847       387      118
COMMUNITY BANKERS CORP              Common  20361A108      707    53,953 SH          SOLE               53,953         0        0
CROWN AMERICAN REALTY TRUST         Common  228186102      246    20,660 SH        DEFINED         1    20,660         0        0
CTC COMMUNICATIONS GROUP INC        Common  126419100        0    10,000 SH        DEFINED         1    10,000         0        0
DELL INC                            Common  24702R101      259     7,750 SH        DEFINED         1     7,750         0        0
DUPONT DE NEMOUR                    Common  263534109      462    11,537 SH        DEFINED         1    11,537         0        0
DUPONT DE NEMOUR                    Common  263534109      112     2,800 SH         OTHER          1     1,000     1,800        0
EL PASO CORPORATION COM             Common  28336L109      144    19,766 SH        DEFINED         1    19,766         0        0
EL PASO CORPORATION COM             Common  28336L109        1       150 SH         OTHER          1       150         0        0
EMBRYO DEVELOPMENT CORP COM         Common  290818103        0    15,000 SH        DEFINED         1    15,000         0        0
EMERSON ELECTRIC CO                 Common  291011104       24       455 SH        DEFINED         1       455         0        0
EMERSON ELECTRIC CO                 Common  291011104      512     9,730 SH         OTHER          1     9,730         0        0
EXXON MOBIL CORP                    Common  30231G102    2,672    73,001 SH        DEFINED         1    73,001         0        0
EXXON MOBIL CORP                    Common  30231G102    1,880    51,363 SH         OTHER          1    30,537    20,626      200
F N B CORP PA                       Common  302520101       66     1,905 SH        DEFINED         1     1,905         0        0
F N B CORP PA                       Common  302520101      412    11,929 SH         OTHER          1    11,929         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109      497     7,080 SH        DEFINED         1     7,080         0        0
FEDERAL NATIONAL MORTGAGE ASSOC     Common  313586109       91     1,300 SH         OTHER          1     1,300         0        0
FEDEX CORP                          Common  31428X106      326     5,055 SH        DEFINED         1     5,055         0        0
FEDEX CORP                          Common  31428X106       13       200 SH         OTHER          1       200         0        0
FIRST COMMONWEALTH FINANCIAL CORP   Common  319829107   19,514 1,482,848 SH        DEFINED         1 1,474,502     8,346        0
FIRST COMMONWEALTH FINANCIAL CORP   Common  319829107    2,471   187,800 SH         OTHER          1   135,590    52,210        0
FLEXTRONICS INTL LTD                Common  Y2573F102      360    25,315 SH        DEFINED         1    25,315         0        0
FLEXTRONICS INTL LTD                Common  Y2573F102        3       200 SH         OTHER          1       200         0        0
FORTUNE BRANDS INC                  Common  349631101      463     8,152 SH        DEFINED         1     8,152         0        0
FORTUNE BRANDS INC                  Common  349631101      176     3,100 SH         OTHER          1     3,100         0        0
FPL GROUP INC                       Common  302571104      570     9,015 SH        DEFINED         1     9,015         0        0
FPL GROUP INC                       Common  302571104       32       500 SH         OTHER          1       500         0        0
FULTON FINANCIAL CORP               Common  360271100    2,906   143,882 SH        DEFINED             143,882         0        0
GA FINANCIAL INC                    Common  361437106      678    25,000 SH        DEFINED              25,000         0        0
GANNETT CO INC                      Common  364730101      363     4,680 SH        DEFINED         1     4,680         0        0
GANNETT CO INC                      Common  364730101       12       150 SH         OTHER          1       150         0        0
GENERAL ELECTRIC                    Common  369604103    3,006   100,828 SH        DEFINED         1   100,828         0        0
GENERAL ELECTRIC                    Common  369604103    4,001   134,205 SH         OTHER          1   130,925     3,280        0
GENERAL MILLS INC                   Common  370334104      135     2,860 SH        DEFINED         1     2,860         0        0
GENERAL MILLS INC                   Common  370334104      181     3,840 SH         OTHER          1     3,840         0        0
HARLEY DAVIDSON INC                 Common  412822108      536    11,120 SH        DEFINED         1    11,120         0        0
HARLEY DAVIDSON INC                 Common  412822108       55     1,150 SH         OTHER          1       850       300        0
HARRAHS ENTMT INC                   Common  413619107      307     7,295 SH        DEFINED         1     7,295         0        0
HARRAHS ENTMT INC                   Common  413619107        3        75 SH         OTHER          1        75         0        0
HARTFORD FINL SVCS GROUP INC CO     Common  416515104      384     7,300 SH        DEFINED         1     7,300         0        0
HARTFORD FINL SVCS GROUP INC CO     Common  416515104       24       448 SH         OTHER          1       448         0        0
H. J. HEINZ COMPANY                 Common  423074103       56     1,630 SH        DEFINED         1     1,630         0        0
H. J. HEINZ COMPANY                 Common  423074103      327     9,549 SH         OTHER          1     9,549         0        0
INGERSOLL-RAND COMPANY LTD          Common  G4776G101      321     6,000 SH         OTHER          1     6,000         0        0
INTEL CORP                          Common  458140100    1,409    51,194 SH        DEFINED         1    51,194         0        0
INTEL CORP                          Common  458140100      158     5,750 SH         OTHER          1     5,750         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    2,011    22,766 SH        DEFINED         1    22,766         0        0
INT'L BUSINESS MACHINES CORP        Common  459200101    1,431    16,203 SH         OTHER          1    16,103       100        0
JACOBS ENGR GROUP INC               Common  469814107      550    12,195 SH        DEFINED         1    12,195         0        0
JACOBS ENGR GROUP INC               Common  469814107        7       150 SH         OTHER          1       150         0        0
JOHNSON & JOHNSON                   Common  478160104    1,299    26,239 SH        DEFINED         1    26,239         0        0
JOHNSON & JOHNSON                   Common  478160104      527    10,640 SH         OTHER          1    10,240       400        0
JUNIATA VALLEY FINANCIAL CORP.      Common  482016102      730    24,119 SH        DEFINED         1    24,119         0        0
LENNAR CORP COM                     Common  526057104      426     5,475 SH        DEFINED         1     5,475         0        0
LENNAR CORP COM                     Common  526057104        4        50 SH         OTHER          1        50         0        0
LOWES COS INC                       Common  548661107    1,176    22,652 SH        DEFINED         1    22,652         0        0
LOWES COS INC                       Common  548661107      148     2,850 SH         OTHER          1     2,550       300        0
LUCENT TECHNOLOGIES INC             Common  549463107       27    12,634 SH        DEFINED         1    12,558        76        0
LUCENT TECHNOLOGIES INC             Common  549463107        7     3,181 SH         OTHER          1     2,901       280        0
MAGNITUDE INFORMATION SYS IN        Common  559534102       10   112,400 SH        DEFINED         1   112,400         0        0
MASSEY ENERGY CORP                  Common  576206106      133    10,000 SH        DEFINED         1    10,000         0        0
MASSEY ENERGY CORP                  Common  576206106        6       450 SH         OTHER          1       450         0        0
MBNA CORP                           Common  55262L100      579    25,399 SH        DEFINED         1    25,399         0        0
MBNA CORP                           Common  55262L100       40     1,762 SH         OTHER          1     1,762         0        0
MCCORMICK & CO INC                  Common  579780206      379    13,840 SH        DEFINED         1    13,840         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      364    12,084 SH        DEFINED         1    12,084         0        0
MELLON FINANCIAL CORP COM           Common  58551A108      214     7,103 SH         OTHER          1     4,008     3,095        0
MERCK & COMPANY INC                 Common  589331107    1,646    32,516 SH        DEFINED         1    32,516         0        0
MERCK & COMPANY INC                 Common  589331107    1,642    32,441 SH         OTHER          1    31,641       800        0
MERRILL LYNCH & CO                  Common  590188108    1,230    22,975 SH        DEFINED         1    22,975         0        0
MERRILL LYNCH & CO                  Common  590188108      182     3,400 SH         OTHER          1     3,400         0        0
MICROCHIP TECHNOLOGY INC            Common  595017104      237     9,910 SH        DEFINED         1     9,910         0        0
MICROCHIP TECHNOLOGY INC            Common  595017104        2       100 SH         OTHER          1       100         0        0
MICROSOFT CORP                      Common  594918104    1,090    39,212 SH        DEFINED         1    39,212         0        0
MICROSOFT CORP                      Common  594918104       81     2,900 SH         OTHER          1     2,900         0        0
MORGAN STANLEY DEAN WITTER DISC     Common  617446448        3        60 SH        DEFINED         1        60         0        0
MORGAN STANLEY DEAN WITTER DISC     Common  617446448      248     4,914 SH         OTHER          1     4,914         0        0
NATL PENN BCSHS INC                 Common  637138108      776    28,067 SH        DEFINED              28,067         0        0
NEW MEXICO BANQUEST                 Common  647991926      904     7,207 SH        DEFINED         1     7,207         0        0
NEW MEXICO BANQUEST                 Common  647991926       95       754 SH         OTHER          1       754         0        0
NEWELL RUBBERMAID INC               Common  651229106      167     7,723 SH        DEFINED         1     7,723         0        0
NEWELL RUBBERMAID INC               Common  651229106      133     6,156 SH         OTHER          1     6,156         0        0
NOBLE CORPORATION                   Common  G65422100      356    10,465 SH        DEFINED         1    10,465         0        0
NOBLE CORPORATION                   Common  G65422100       10       300 SH         OTHER          1       300         0        0
NORTH PITTSBURGH SYS INC COM        Common  661562108    1,373    80,070 SH         OTHER          1    62,400    17,670        0
OMEGA FINANCIAL CORP                Common  682092101      851    25,792 SH        DEFINED              25,792         0        0
ORACLE CORP                         Common  68389X105      561    49,834 SH        DEFINED         1    49,834         0        0
ORACLE CORP                         Common  68389X105       36     3,166 SH         OTHER          1     3,166         0        0
P P G INDUSTRIES INC                Common  693506107      299     5,717 SH        DEFINED         1     5,717         0        0
P P G INDUSTRIES INC                Common  693506107    1,573    30,124 SH         OTHER          1    24,274     5,850        0
PARKVALE FINANCIAL CORP             Common  701492100    4,745   187,907 SH        DEFINED             187,907         0        0
PEPSICO INCORPORATED                Common  713448108    1,418    30,947 SH        DEFINED         1    30,947         0        0
PEPSICO INCORPORATED                Common  713448108      954    20,825 SH         OTHER          1    20,425       400        0
PFIZER INC                          Common  717081103    2,516    82,831 SH        DEFINED         1    82,831         0        0
PFIZER INC                          Common  717081103      804    26,460 SH         OTHER          1    26,460         0        0
PNC BANK CORP                       Common  693475105      502    10,557 SH        DEFINED         1    10,007         0      550
PNC BANK CORP                       Common  693475105      143     3,000 SH         OTHER          1     3,000         0        0
PNC FINANCIAL SERVICES GROUP        Common  693475105    9,040   190,000 SH        DEFINED             190,000         0        0
PPL CORP COM                        Common  69351T106      309     7,555 SH        DEFINED         1     7,555         0        0
PPL CORP COM                        Common  69351T106      266     6,500 SH         OTHER          1     6,500         0        0
PRICE T ROWE GROUP INC              Common  74144T108      626    15,155 SH        DEFINED         1    15,155         0        0
PRICE T ROWE GROUP INC              Common  74144T108        6       150 SH         OTHER          1       150         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,986    21,398 SH        DEFINED         1    21,398         0        0
PROCTER & GAMBLE CO                 Common  742718109    1,921    20,700 SH         OTHER          1    20,400       200      100
PUBLIC SERV ELEC GAS                Common  744573106       33       779 SH        DEFINED         1       779         0        0
PUBLIC SERV ELEC GAS                Common  744573106      327     7,780 SH         OTHER          1     7,780         0        0
QUALCOMM INC                        Common  747525103      409     9,820 SH        DEFINED         1     9,820         0        0
QUALCOMM INC                        Common  747525103       25       600 SH         OTHER          1       600         0        0
ROCKWELL AUTOMATION INC             Common  773903109      184     7,003 SH        DEFINED         1     7,003         0        0
ROCKWELL AUTOMATION INC             Common  773903109      123     4,688 SH         OTHER          1     4,688         0        0
ROCKWELL COLLINS INC                Common  774341101      173     6,844 SH        DEFINED         1     6,844         0        0
ROCKWELL COLLINS INC                Common  774341101       68     2,688 SH         OTHER          1     2,688         0        0
ROYAL BANCSHARES OF PENN-A          Common  780081105    2,494    92,904 SH        DEFINED              92,904         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804      295     6,675 SH        DEFINED         1     6,675         0        0
ROYAL DUTCH PETROLEUM NY SHS        Common  780257804       46     1,033 SH         OTHER          1     1,033         0        0
S & T BANCORP INC                   Common  783859101    1,819    63,813 SH        DEFINED         1    63,813         0        0
S & T BANCORP INC                   Common  783859101    3,543   124,301 SH        DEFINED             124,301         0        0
S & T BANCORP INC                   Common  783859101      438    15,375 SH         OTHER          1    15,375         0        0
SBC COMMUNICATIONS INC              Common  78387G103      512    23,023 SH        DEFINED         1    23,023         0        0
SBC COMMUNICATIONS INC              Common  78387G103      274    12,314 SH         OTHER          1    12,314         0        0
SCHLUMBERGER LTD                    Common  806857108      254     5,242 SH        DEFINED         1     5,242         0        0
SCHLUMBERGER LTD                    Common  806857108       28       584 SH         OTHER          1       484       100        0
SEARS,ROEBUCK & CO                  Common  812387108       61     1,400 SH        DEFINED         1     1,400         0        0
SEARS,ROEBUCK & CO                  Common  812387108      153     3,500 SH         OTHER          1     3,500         0        0
SUN BANCORP INC                     Common  866634108    1,621    88,963 SH        DEFINED              88,963         0        0
SUSQUEHANNA BANC SHS                Common  869099101    1,343    52,242 SH        DEFINED         1    52,242         0        0
SUSQUEHANNA BANCSHARES INC          Common  869099101    4,547   176,930 SH        DEFINED             176,930         0        0
SYMANTEC CORP                       Common  871503108      397     6,275 SH        DEFINED         1     6,275         0        0
SYMANTEC CORP                       Common  871503108        6       100 SH         OTHER          1                   0      100
TARGET CORP                         Common  87612E106    1,011    26,870 SH        DEFINED         1    26,870         0        0
TARGET CORP                         Common  87612E106      144     3,825 SH         OTHER          1     3,825         0        0
TEXAS INSTRUMENTS INC               Common  882508104      399    17,490 SH        DEFINED         1    17,490         0        0
TEXAS INSTRUMENTS INC               Common  882508104       48     2,100 SH         OTHER          1     2,100         0        0
THE CHARLES SCHWAB CO               Common  808513105      152    12,745 SH        DEFINED         1    12,745         0        0
THE CHARLES SCHWAB CO               Common  808513105        2       200 SH         OTHER          1       200         0        0
TYCO INTERNATIONAL LTD              Common  902124106      421    20,619 SH        DEFINED         1    20,619         0        0
TYCO INTERNATIONAL LTD              Common  902124106        4       175 SH         OTHER          1       175         0        0
UNION PACIFIC CORP                  Common  907818108      482     8,280 SH        DEFINED         1     8,280         0        0
UNION PACIFIC CORP                  Common  907818108       19       325 SH         OTHER          1       275        50        0
UNITED TECH CORP                    Common  913017109      383     4,950 SH        DEFINED         1     4,950         0        0
UNITED TECH CORP                    Common  913017109        4        50 SH         OTHER          1        50         0        0
UPSIDE DEVELOPMENT INC COM          Common  91673P109        0    60,000 SH        DEFINED         1    60,000         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,753    54,043 SH        DEFINED         1    54,043         0        0
VERIZON COMMUNICATIONS              Common  92343V104    1,119    34,491 SH         OTHER          1    29,947     4,544        0
VIACOM INC. NEW                     Common  925524308      666    17,401 SH        DEFINED         1    17,401         0        0
VIACOM INC. NEW                     Common  925524308       13       352 SH         OTHER          1       352         0        0
VIRAGEN INC                         Common  927638106        3    10,000 SH        DEFINED         1    10,000         0        0
VODAFONE GROUP PLC NEW-SPONS ADR    Common  92857W100       51     2,504 SH        DEFINED         1     2,504         0        0
VODAFONE GROUP PLC NEW-SPONS ADR    Common  92857W100      156     7,703 SH         OTHER          1     7,703         0        0
VORNADO RLTY TR                     Common  929042109      511    10,635 SH        DEFINED         1    10,635         0        0
VORNADO RLTY TR                     Common  929042109       19       400 SH         OTHER          1       400         0        0
WACHOVIA CORP                       Common  929903102      714    17,325 SH        DEFINED         1    17,325         0        0
WAL-MART STORES INC                 Common  931142103    1,463    26,187 SH        DEFINED         1    26,187         0        0
WAL-MART STORES INC                 Common  931142103      101     1,800 SH         OTHER          1     1,800         0        0
WELLS FARGO & CO COM                Common  949746101      820    15,916 SH        DEFINED         1    15,916         0        0
WELLS FARGO & CO COM                Common  949746101       70     1,366 SH         OTHER          1     1,366         0        0
WYETH COM                           Common  983024100      610    13,228 SH        DEFINED         1    13,228         0        0
WYETH COM                           Common  983024100      251     5,450 SH         OTHER          1     5,450         0        0



GRAND TOTALS                                           146,747


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