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, 2008

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:   Edward J. Lipkus, III
Title:  Executive Vice
        President and Chief
        Financial Officer
Phone:  (724) 463-4724

Signature, Place, and Date of Signing:


/s/ Edward J. Lipkus, III
--------------------------
 Edward J. Lipkus, III,            Indiana, PA,           August 12, 2008

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).)



                             Form 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers: 1

Form 13F Information Table Entry Total: 220

Form 13F Information Table Value Total: $128,301 (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:                   Form 13F File Number:     Name:
1                         28-11893
                                                    -------------------------



                          FORM 13F INFORMATION TABLE



COLUMN 1             COL 2     COL 3    COL 4   COLUMN 5            COL 6     COL 7     COLUMN 8
--------           --------- --------- -------- --------          ---------- -------- ----------------
                                                                                      VOTING AUTHORITY
                                                                                      ----------------
                     TITLE              MARKET
                      OF                VALUE    SHS OR  SH/ PUT/ INVESTMENT  OTHER
ISSUER               CLASS     CUSIP   (X$1000) PRN AMT  PRN CALL DISCRETION MANAGERS  SOLE    SHARED  NONE
------             --------- --------- -------- -------- --- ---- ---------- --------  ------  ------  -----
                                                                      
1CITIGROUP INC     COMMONMON 172967101     59     3,517  SH        OTHER        1      3,403      114
1LOWES COS INC     COMMON    548661107    212    10,232  SH        DEFINED      1     10,232
1ROYAL DUTCH
  SHELL PLC        COMMON    780259206    368     4,500  SH        OTHER        1      4,500
3M CO              COMMON    88579Y101    239     3,440  SH        DEFINED      1      2,670             770
3M CO              COMMON    88579Y101    660     9,485  SH        OTHER        1      9,485
ABBOTT LABS        COMMON    002824100  1,158    21,862  SH        DEFINED      1     20,519           1,343
ABBOTT LABS        COMMON    002824100     41       767  SH        OTHER        1        767
ADOBE SYS INC      COMMON    00724F101    800    20,314  SH        DEFINED      1     20,314
ADOBE SYS INC      COMMON    00724F101     14       367  SH        OTHER        1        367
AIR PRODS &
  CHEMS INC        COMMON    009158106    794     8,036  SH        DEFINED      1      8,036
AIR PRODS &
  CHEMS INC        COMMON    009158106     25       250  SH        OTHER        1        250
ALLSTATE CORP      COMMON    020002101    184     4,036  SH        DEFINED      1      3,207             829
ALLSTATE CORP      COMMON    020002101    298     6,529  SH        OTHER        1      6,529
ALTRIA GROUP INC   COMMON    02209S103     91     4,450  SH        DEFINED      1      4,361              89
ALTRIA GROUP INC   COMMON    02209S103    643    31,265  SH        OTHER        1     31,265
AMERICAN INTL
  GROUP INC        COMMON    026874107    317    11,989  SH        DEFINED      1     10,849           1,140
AMERICAN INTL
  GROUP INC        COMMON    026874107     42     1,593  SH        OTHER        1      1,343             250
ANHEUSER BUSCH
  COS INC          COMMON    035229103      6       100  SH        DEFINED      1        100
ANHEUSER BUSCH
  COS INC          COMMON    035229103    311     5,000  SH        OTHER        1      5,000
APACHE CORP        COMMON    037411105  1,310     9,422  SH        DEFINED      1      9,422
APACHE CORP        COMMON    037411105    125       899  SH        OTHER        1        375      524
APPLE INC          COMMON    037833100    946     5,647  SH        DEFINED      1      5,647
APPLE INC          COMMON    037833100     26       155  SH        OTHER        1        155
AT&T INC           COMMON    00206R102  2,165    64,275  SH        DEFINED      1     62,273           2,002
AT&T INC           COMMON    00206R102    252     7,477  SH        OTHER        1      7,472               5
AUTODESK INC       COMMON    052769106    495    14,643  SH        DEFINED      1     14,643
AUTODESK INC       COMMON    052769106      4       125  SH        OTHER        1        125
BANK OF AMERICA
  CORPORATION      COMMON    060505104     96     4,002  SH        DEFINED      1        800           3,202
BANK OF AMERICA
  CORPORATION      COMMON    060505104    162     6,807  SH        OTHER        1      6,807
BANK OF NEW
  YORK MELLON
  CORP             COMMON    064058100    366     9,674  SH        DEFINED      1      9,674
BANK OF NEW
  YORK MELLON
  CORP             COMMON    064058100    147     3,897  SH        OTHER        1      1,372      400  2,125
BARR
  PHARMACEUTICALS
  INC              COMMON    068306109    808    17,934  SH        DEFINED      1     17,934
BARR
  PHARMACEUTICALS
  INC              COMMON    068306109     29       642  SH        OTHER        1        642
BECTON
  DICKINSON & CO   COMMON    075887109  1,053    12,950  SH        DEFINED      1     12,499             451
BECTON
  DICKINSON & CO   COMMON    075887109     76       933  SH        OTHER        1        933
BERKSHIRE
  SECURITIES       COMMON    084991868  1,412     6,140  SH        DEFINED      1      6,140
BERKSHIRE
  SECURITIES       COMMON    084991868    414     1,800  SH        OTHER        1      1,800
BOEING CO          COMMON    097023105     39       587  SH        DEFINED      1        587
BOEING CO          COMMON    097023105    249     3,786  SH        OTHER        1      3,786
BP PLC             COMMON    055622104    422     6,069  SH        DEFINED      1      6,010              59
BP PLC             COMMON    055622104    459     6,592  SH        OTHER        1      5,590    1,002
BP PRUDHOE BAY
  RTY TR           COMMON    055630107    207     2,000  SH        OTHER        1      2,000
BUNGE LIMITED      COMMON    G16962105    767     7,121  SH        DEFINED      1      7,121
BUNGE LIMITED      COMMON    G16962105     16       150  SH        OTHER        1        150
BURLINGTON
  NORTHN SANTA
  FE C             COMMON    12189T104    297     2,970  SH        DEFINED      1      2,970
CATERPILLAR INC
  DEL              COMMON    149123101     77     1,049  SH        DEFINED      1      1,049
CATERPILLAR INC
  DEL              COMMON    149123101    168     2,275  SH        OTHER        1      2,275
CHEVRON CORP
  NEW              COMMON    166764100  1,584    15,982  SH        DEFINED      1     14,004           1,978
CHEVRON CORP
  NEW              COMMON    166764100    627     6,327  SH        OTHER        1      5,802             525
CISCO SYS INC      COMMON    17275R102  1,112    47,791  SH        DEFINED      1     44,261           3,530
CISCO SYS INC      COMMON    17275R102    217     9,333  SH        OTHER        1      9,333
CITIGROUP INC      COMMON    172967101    297    17,703  SH        DEFINED      1     17,703
CNB FINL CORP PA   COMMON    126128107    331    23,400  SH        DEFINED      1     23,400
CONOCOPHILLIPS     COMMON    20825C104    903     9,570  SH        DEFINED      1      7,920           1,650
CONOCOPHILLIPS     COMMON    20825C104    198     2,100  SH        OTHER        1      2,100
CORNING INC        COMMON    219350105    365    15,823  SH        DEFINED      1     15,441             382
CORNING INC        COMMON    219350105     55     2,400  SH        OTHER        1      2,400
CVS CAREMARK
  CORPORATION      COMMON    126650100    817    20,645  SH        DEFINED      1     20,645
CVS CAREMARK
  CORPORATION      COMMON    126650100     32       801  SH        OTHER        1        801
DISNEY WALT CO     COMMON    254687106  1,091    34,978  SH        DEFINED      1     33,678           1,300
DISNEY WALT CO     COMMON    254687106     37     1,200  SH        OTHER        1      1,200
DOMINION RES INC
  VA NEW           COMMON    25746U109    884    18,622  SH        DEFINED      1     18,593              29
DOMINION RES INC
  VA NEW           COMMON    25746U109    144     3,024  SH        OTHER        1      3,024
DU PONT E I DE
  NEMOURS & CO     COMMON    263534109    300     7,004  SH        DEFINED      1      7,004
DU PONT E I DE
  NEMOURS & CO     COMMON    263534109     92     2,142  SH        OTHER        1        942    1,200
EASTMAN CHEM CO    COMMON    277432100    690    10,018  SH        DEFINED      1     10,018
EASTMAN CHEM CO    COMMON    277432100     43       626  SH        OTHER        1        626
EBAY INC           COMMON    278642103    547    20,012  SH        DEFINED      1     20,012
EBAY INC           COMMON    278642103     12       450  SH        OTHER        1        450
EDISON INTL        COMMON    281020107    559    10,887  SH        DEFINED      1     10,855              32
EDISON INTL        COMMON    281020107     10       200  SH        OTHER        1        200
EMBRYO DEV CORP    COMMON    290818103     --    15,000  SH        DEFINED      1     15,000
EMERSON ELEC CO    COMMON    291011104     69     1,400  SH        DEFINED      1        600             800
EMERSON ELEC CO    COMMON    291011104    846    17,110  SH        OTHER        1     17,110
ESB FINANCIAL
  CORP             COMMON    26884F102    122    12,510  SH        DEFINED            12,510        0      0
EXELON CORP        COMMON    30161N101    183     2,036  SH        DEFINED      1      2,036
EXELON CORP        COMMON    30161N101    127     1,416  SH        OTHER        1      1,416
EXXON MOBIL
  CORP             COMMON    30231G102  4,130    46,868  SH        DEFINED      1     46,868
EXXON MOBIL
  CORP             COMMON    30231G102  2,367    26,862  SH        OTHER        1      9,445   17,417





                                                              
FIRST COMWLTH FINL
  CORP PA               COMMON 319829107 10,772 1,154,602 SH    DEFINED 1   1,151,136 3,466
FIRST COMWLTH FINL
  CORP PA               COMMON 319829107    278    29,778 SH    OTHER   1      19,949 9,829
FIRSTMERIT CORP         COMMON 337915102    163    10,000 SH    DEFINED        10,000     0     0
FNB                     COMMON 302520101  7,516   637,992 SH    DEFINED       637,992     0     0
FNB CORP PA             COMMON 302520101    120    10,224 SH    DEFINED 1      10,224
FNB CORP PA             COMMON 302520101      1        43 SH    OTHER   1          43
FORTUNE BRANDS INC      COMMON 349631101    216     3,467 SH    DEFINED 1       2,827         640
FORTUNE BRANDS INC      COMMON 349631101     42       675 SH    OTHER   1         675
FRANKLIN RES INC        COMMON 354613101    530     5,778 SH    DEFINED 1       5,778
FRANKLIN RES INC        COMMON 354613101     11       125 SH    OTHER   1         125
GATEWAY BANK OF
  PENNSYLVANIA          COMMON 869099101     50     5,000 SH    DEFINED         5,000     0     0
GENERAL ELECTRIC CO     COMMON 369604103  1,629    61,030 SH    DEFINED 1      58,239       2,791
GENERAL ELECTRIC CO     COMMON 369604103  3,412   127,848 SH    OTHER   1     125,678 1,830   340
GOODRICH CORP           COMMON 382388106    650    13,701 SH    DEFINED 1      13,672          29
GOODRICH CORP           COMMON 382388106     14       300 SH    OTHER   1         300
GOOGLE INC              COMMON 38259P508    859     1,632 SH    DEFINED 1       1,561          71
GOOGLE INC              COMMON 38259P508     11        20 SH    OTHER   1          20
HALLIBURTON CO          COMMON 406216101    244     4,600 SH    DEFINED 1       4,600
HARLEYSVILLE
  NATIONAL CORP         COMMON 412850109    528    47,349 SH    DEFINED        47,349     0     0
HARTFORD FINL SVCS
  GROUP INC             COMMON 416515104    788    12,199 SH    DEFINED 1      11,699         500
HARTFORD FINL SVCS
  GROUP INC             COMMON 416515104     51       792 SH    OTHER   1         792
HELMERICH & PAYNE
  INC                   COMMON 423452101  1,482    20,578 SH    DEFINED 1      20,578
HELMERICH & PAYNE
  INC                   COMMON 423452101     22       300 SH    OTHER   1         300
HUNTINGTON
  BANCSHARES, INC       COMMON 446150104     87    15,000 SH    DEFINED        15,000     0     0
INGERSOLL-RAND
  COMPANY LTD           COMMON G4776G101     31       833 SH    DEFINED 1         697         136
INGERSOLL-RAND
  COMPANY LTD           COMMON G4776G101    457    12,200 SH    OTHER   1      12,200
INTEL CORP              COMMON 458140100    313    14,585 SH    DEFINED 1      10,135       4,450
INTEL CORP              COMMON 458140100     90     4,180 SH    OTHER   1       3,750         430
INTERNATIONAL
  BUSINESS MACHS        COMMON 459200101  1,547    13,049 SH    DEFINED 1      12,965          84
INTERNATIONAL
  BUSINESS MACHS        COMMON 459200101  1,773    14,960 SH    OTHER   1      14,750   100   110
JACOBS ENGR GROUP
  INC DEL               COMMON 469814107  1,263    15,646 SH    DEFINED 1      15,646
JACOBS ENGR GROUP
  INC DEL               COMMON 469814107     54       675 SH    OTHER   1         675
JOHNSON & JOHNSON       COMMON 478160104  1,326    20,606 SH    DEFINED 1      19,686         920
JOHNSON & JOHNSON       COMMON 478160104    599     9,307 SH    OTHER   1       9,307
JPMORGAN & CHASE &
  CO                    COMMON 46625H100    807    23,518 SH    DEFINED 1      21,457       2,061
JPMORGAN & CHASE &
  CO                    COMMON 46625H100    126     3,670 SH    OTHER   1       3,670
JUNIATA VALLEY NATL
  BK                    COMMON 482016102    995    48,238 SH    DEFINED 1      48,238
KENNAMETAL INC          COMMON 489170100    590    18,137 SH    DEFINED 1      18,137
KENNAMETAL INC          COMMON 489170100     10       300 SH    OTHER   1         300
KRAFT FOODS INC         COMMON 50075N104     27       944 SH    DEFINED 1         830         114
KRAFT FOODS INC         COMMON 50075N104    620    21,776 SH    OTHER   1      21,776
L-3 COMMUNICATIONS
  HLDGS INC             COMMON 502424104    656     7,215 SH    DEFINED 1       7,184          31
L-3 COMMUNICATIONS
  HLDGS INC             COMMON 502424104     23       250 SH    OTHER   1         250
LOWES COS INC           COMMON 548661107    104     5,033 SH    OTHER   1       4,433   600
MAGNITUDE
  INFORMATION SYS IN    COMMON 559534102      3   112,400 SH    DEFINED 1     112,400
MANITOWOC INC           COMMON 563571108    548    16,852 SH    DEFINED 1      16,852
MANITOWOC INC           COMMON 563571108      8       250 SH    OTHER   1         250
MARATHON OIL CORP       COMMON 565849106    212     4,086 SH    DEFINED 1       1,816       2,270
MCDONALDS CORP          COMMON 580135101  1,122    19,963 SH    DEFINED 1      19,731         232
MCDONALDS CORP          COMMON 580135101     39       700 SH    OTHER   1         700
MCKESSON CORP           COMMON 58155Q103    509     9,102 SH    DEFINED 1       9,102
MCKESSON CORP           COMMON 58155Q103      8       150 SH    OTHER   1         150
MERCK & CO INC          COMMON 589331107     88     2,342 SH    DEFINED 1       2,342
MERCK & CO INC          COMMON 589331107    897    23,810 SH    OTHER   1      23,310   500
MERRILL LYNCH & CO
  INC                   COMMON 590188108    180     5,675 SH    DEFINED 1       4,415       1,260
MERRILL LYNCH & CO
  INC                   COMMON 590188108    140     4,425 SH    OTHER   1       4,425
METLIFE INC             COMMON 59156R108    579    10,981 SH    DEFINED 1      10,981
METLIFE INC             COMMON 59156R108      4        80 SH    OTHER   1          80
MICROSOFT CORP          COMMON 594918104  1,101    40,014 SH    DEFINED 1      38,350       1,664
MICROSOFT CORP          COMMON 594918104    201     7,303 SH    OTHER   1       7,033         270
MOLSON COORS
  BREWING CO            COMMON 60871R209    741    13,638 SH    DEFINED 1      13,638
MOLSON COORS
  BREWING CO            COMMON 60871R209     15       275 SH    OTHER   1         275
MONSANTO CO NEW         COMMON 61166W101    488     3,862 SH    DEFINED 1       3,786          76
MONSANTO CO NEW         COMMON 61166W101      6        50 SH    OTHER   1          50
NATIONAL CITY CORP      COMMON 635405103     57    11,977 SH    DEFINED 1      11,977
NEW MEXICO BANQUEST     COMMON 647991926  1,859     7,207 SH    DEFINED 1       7,207
NEW MEXICO BANQUEST     COMMON 647991926     49       189 SH    OTHER   1         189
NORFOLK SOUTHERN
  CORP                  COMMON 655844108    180     2,880 SH    DEFINED 1       2,150         730
NORFOLK SOUTHERN
  CORP                  COMMON 655844108     81     1,300 SH    OTHER   1       1,300
ORACLE CORP             COMMON 68389X105    950    45,250 SH    DEFINED 1      45,250
ORACLE CORP             COMMON 68389X105     65     3,083 SH    OTHER   1       3,083
PARKER HANNIFIN CORP    COMMON 701094104    687     9,634 SH    DEFINED 1       9,634
PARKER HANNIFIN CORP    COMMON 701094104      7       100 SH    OTHER   1         100
PARKVALE FINANCIAL
  CORP                  COMMON 701492100  5,301   224,544 SH    DEFINED       224,544     0     0
PEPSICO INC             COMMON 713448108  1,379    21,689 SH    DEFINED 1      20,931         758
PEPSICO INC             COMMON 713448108  1,308    20,567 SH    OTHER   1      20,567
PETSMART INC            COMMON 716768106    672    33,667 SH    DEFINED 1      32,567       1,100
PETSMART INC            COMMON 716768106     11       550 SH    OTHER   1         550
PFIZER INC              COMMON 717081103    224    12,846 SH    DEFINED 1      11,828       1,018
PFIZER INC              COMMON 717081103    382    21,865 SH    OTHER   1      21,225         640
PHARMACEUTICAL PROD
  DEV INC               COMMON 717124101    514    11,971 SH    DEFINED 1      11,971
PHARMACEUTICAL PROD
  DEV INC               COMMON 717124101      9       200 SH    OTHER   1         200
PHILIP MORRIS INTL INC  COMMON 718172109    817    16,546 SH    DEFINED 1      16,494          52
PHILIP MORRIS INTL INC  COMMON 718172109  1,515    30,665 SH    OTHER   1      30,665
PNC FINL SVCS GROUP
  INC                   COMMON 693475105    283     4,954 SH    DEFINED 1       4,954
PNC FINL SVCS GROUP
  INC                   COMMON 693475105    228     4,000 SH    OTHER   1       4,000
PPG INDS INC            COMMON 693506107    120     2,088 SH    DEFINED 1       2,088
PPG INDS INC            COMMON 693506107  1,099    19,154 SH    OTHER   1      16,654 2,500
PPL CORP                COMMON 69351T106    306     5,850 SH    DEFINED 1       5,850





                                                            
PPL CORP                COMMON 69351T106     139     2,650 SH    OTHER   1    2,650
PRICE T ROWE GROUP INC  COMMON 74144T108     984    17,424 SH    DEFINED 1   16,660         764
PRICE T ROWE GROUP INC  COMMON 74144T108      73     1,300 SH    OTHER   1    1,300
PROCTER & GAMBLE CO     COMMON 742718109   1,424    23,425 SH    DEFINED 1   22,589         836
PROCTER & GAMBLE CO     COMMON 742718109   2,513    41,326 SH    OTHER   1   41,326
PUBLIC SVC ENTERPRISE
  GROUP                 COMMON 744573106     196     4,258 SH    DEFINED 1    1,828       2,430
PUBLIC SVC ENTERPRISE
  GROUP                 COMMON 744573106     389     8,460 SH    OTHER   1    8,460
QUALCOMM INC            COMMON 747525103     418     9,421 SH    DEFINED 1    9,421
QUALCOMM INC            COMMON 747525103       9       200 SH    OTHER   1      200
ROCKWELL AUTOMATION
  INC                   COMMON 773903109     131     2,997 SH    DEFINED 1    2,997
ROCKWELL AUTOMATION
  INC                   COMMON 773903109      87     2,000 SH    OTHER   1    2,000
ROCKWELL COLLINS INC    COMMON 774341101     126     2,637 SH    DEFINED 1    2,637
ROCKWELL COLLINS INC    COMMON 774341101      96     2,000 SH    OTHER   1    2,000
ROYAL BANCSHARES OF
  PENN-A                COMMON 780081105     190    20,156 SH    DEFINED     20,156     0     0
ROYAL DUTCH SHELL PLC   COMMON 780259206      66       811 SH    DEFINED 1      714          97
S & T BANCORP INC       COMMON 783859101   2,268    78,048 SH    DEFINED 1   78,048
S & T BANCORP INC       COMMON 783859101      43     1,464 SH    OTHER   1    1,464
SCHLUMBERGER LTD        COMMON 806857108   1,046     9,735 SH    DEFINED 1    9,620         115
SCHLUMBERGER LTD        COMMON 806857108     340     3,168 SH    OTHER   1    3,168
STATE STR CORP          COMMON 857477103     617     9,635 SH    DEFINED 1    9,635
STATE STR CORP          COMMON 857477103      10       150 SH    OTHER   1      150
SUPERVALU INC           COMMON 868536103     564    18,266 SH    DEFINED 1   18,266
SUPERVALU INC           COMMON 868536103       9       300 SH    OTHER   1      300
SUSQUEHANNA
  BANCSHARES INC        COMMON 869099101     951    69,487 SH    DEFINED     69,487     0     0
SUSQUEHANNA
  BANCSHARES INC P      COMMON 869099101     715    52,242 SH    DEFINED 1   52,242
TARGET CORP             COMMON 87612E106     808    17,370 SH    DEFINED 1   17,370
TARGET CORP             COMMON 87612E106     227     4,888 SH    OTHER   1    4,888
TEXAS INSTRS INC        COMMON 882508104     276     9,815 SH    DEFINED 1    7,875       1,940
TEXAS INSTRS INC        COMMON 882508104      69     2,467 SH    OTHER   1    2,467
THERMO FISHER
  SCIENTIFIC INC        COMMON 883556102     929    16,664 SH    DEFINED 1   16,664
THERMO FISHER
  SCIENTIFIC INC        COMMON 883556102      11       200 SH    OTHER   1      200
TIDEWATER INC           COMMON 886423102     437     6,713 SH    DEFINED 1    6,713
TIDEWATER INC           COMMON 886423102      15       225 SH    OTHER   1      225
TIME WARNER CABLE INC   COMMON 88732J108     373    14,078 SH    DEFINED 1   14,078
TRISTATE CAPITAL BANK   COMMON 99R733108     500    50,000 SH    DEFINED     50,000     0     0
UNITED TECHNOLOGIES
  CORP                  COMMON 913017109     271     4,397 SH    DEFINED 1    3,850         547
UNITED TECHNOLOGIES
  CORP                  COMMON 913017109      39       633 SH    OTHER   1      633
US BANCORP DEL          COMMON 902973304     464    16,632 SH    DEFINED 1   14,267       2,365
VALERO ENERGY CORP
  NEW                   COMMON 91913Y100     596    14,473 SH    DEFINED 1   14,473
VALERO ENERGY CORP
  NEW                   COMMON 91913Y100      21       500 SH    OTHER   1      500
VERIZON
  COMMUNICATIONS INC    COMMON 92343V104   1,648    46,545 SH    DEFINED 1   46,462          83
VERIZON
  COMMUNICATIONS INC    COMMON 92343V104     862    24,356 SH    OTHER   1   20,812 3,544
VIST FINANCIAL CORP     COMMON 524477106   1,352    95,005 SH    DEFINED     95,005     0     0
VODAFONE GROUP PLC
  NEW                   COMMON 92857W209      88     2,974 SH    DEFINED 1    2,918          56
VODAFONE GROUP PLC
  NEW                   COMMON 92857W209     155     5,250 SH    OTHER   1    5,250
WACHOVIA CORP NEW       COMMON 929903102     210    13,496 SH    DEFINED 1   13,402          94
WACHOVIA CORP NEW       COMMON 929903102       3       200 SH    OTHER   1      200
WELLS FARGO & CO NEW    COMMON 949746101     772    32,526 SH    DEFINED 1   31,256       1,270
WELLS FARGO & CO NEW    COMMON 949746101     152     6,382 SH    OTHER   1    6,382
WILLOW FINANCIAL
  BANCORP, INC          COMMON 97111W101     581    71,303 SH    DEFINED     71,303     0     0
XCEL ENERGY INC         COMMON 98389B100     491    24,488 SH    DEFINED 1   24,488
XCEL ENERGY INC         COMMON 98389B100      28     1,400 SH    OTHER   1    1,400
GRAND TOTALS                             128,301 4,803,422