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, 2005
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 11, 2005
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: 223
Form 13F Information Table Value Total: $149,557 (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
FORM 13F INFORMATION TABLE
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
3M CO COMMON 88579Y101 395 5,460 SH DEFINED 1 5,460 0 0
3M CO COMMON 88579Y101 691 9,560 SH OTHER 1 9,560 0 0
ABBOTT LABS COMMON 002824100 849 17,331 SH DEFINED 1 17,331 0 0
ABBOTT LABS COMMON 002824100 26 525 SH OTHER 1 525 0 0
ALCOA INC COMMON 013817101 635 24,310 SH DEFINED 1 24,310 0 0
ALCOA INC COMMON 013817101 76 2,900 SH OTHER 1 2,900 0 0
ALLSTATE CORP COMMON 020002101 1,032 17,273 SH DEFINED 1 17,273 0 0
ALLSTATE CORP COMMON 020002101 459 7,677 SH OTHER 1 7,677 0 0
ALLTEL CORP COMMON 020039103 1,026 16,477 SH DEFINED 1 16,477 0 0
ALLTEL CORP COMMON 020039103 516 8,291 SH OTHER 1 1,775 6,516 0
ALTRIA GROUP INC COMMON 02209S103 685 10,600 SH DEFINED 1 10,600 0 0
ALTRIA GROUP INC COMMON 02209S103 2,001 30,940 SH OTHER 1 30,940 0 0
AMERICAN INTL GROUP INC COMMON 026874107 928 15,980 SH DEFINED 1 15,980 0 0
AMERICAN INTL GROUP INC COMMON 026874107 83 1,431 SH OTHER 1 1,431 0 0
AMGEN INC COMMON 031162100 1,194 19,756 SH DEFINED 1 19,756 0 0
AMGEN INC COMMON 031162100 83 1,375 SH OTHER 1 1,375 0 0
ANHEUSER BUSCH COS INC COMMON 035229103 1,150 25,139 SH DEFINED 1 25,139 0 0
ANHEUSER BUSCH COS INC COMMON 035229103 43 950 SH OTHER 1 950 0 0
APACHE CORP COMMON 037411105 1,057 16,364 SH DEFINED 1 16,364 0 0
APACHE CORP COMMON 037411105 77 1,199 SH OTHER 1 675 524 0
BANK OF AMERICA CORPORATION COMMON 060505104 1,136 24,906 SH DEFINED 1 24,906 0 0
BANK OF AMERICA CORPORATION COMMON 060505104 241 5,276 SH OTHER 1 5,276 0 0
BELLSOUTH CORP COMMON 079860102 313 11,777 SH DEFINED 1 11,377 400 0
BELLSOUTH CORP COMMON 079860102 105 3,957 SH OTHER 1 3,957 0 0
BERKSHIRE SECURITIES COMMON 084991868 767 3,600 SH DEFINED 1 3,600 0 0
BERKSHIRE SECURITIES COMMON 084991868 383 1,800 SH OTHER 1 1,800 0 0
BICO INC COMMON 088766100 0 101,100 SH DEFINED 1 101,100 0 0
BJ SVCS CO COMMON 055482103 590 11,250 SH DEFINED 1 11,250 0 0
BJ SVCS CO COMMON 055482103 5 100 SH OTHER 1 100 0 0
BOEING CO COMMON 097023105 231 3,502 SH DEFINED 1 3,502 0 0
BOEING CO COMMON 097023105 115 1,744 SH OTHER 1 1,744 0 0
BP PLC COMMON 055622104 764 12,246 SH DEFINED 1 12,246 0 0
BP PLC COMMON 055622104 392 6,281 SH OTHER 1 5,279 1,002 0
BP PRUDHOE BAY RTY TR COMMON 055630107 225 3,150 SH DEFINED 1 3,150 0 0
CAREMARK RX INC COMMON 141705103 960 21,570 SH DEFINED 1 21,570 0 0
CAREMARK RX INC COMMON 141705103 33 750 SH OTHER 1 750 0 0
CATERPILLAR INC DEL COMMON 149123101 187 1,957 SH DEFINED 1 1,957 0 0
CATERPILLAR INC DEL COMMON 149123101 26 275 SH OTHER 1 275 0 0
CENDANT CORP COMMON 151313103 608 27,165 SH DEFINED 1 27,165 0 0
CENDANT CORP COMMON 151313103 39 1,740 SH OTHER 1 1,740 0 0
CHEVRON CORP NEW COMMON 166764100 463 8,272 SH DEFINED 1 8,272 0 0
CHEVRON CORP NEW COMMON 166764100 236 4,220 SH OTHER 1 3,420 0 800
CISCO SYS INC COMMON 17275R102 1,071 56,108 SH DEFINED 1 56,108 0 0
CISCO SYS INC COMMON 17275R102 121 6,325 SH OTHER 1 6,325 0 0
CITIGROUP INC COMMON 172967101 1,412 30,535 SH DEFINED 1 30,535 0 0
CITIGROUP INC COMMON 172967101 247 5,342 SH OTHER 1 4,977 365 0
CNB FINL CORP PA COMMON 126128107 390 26,278 SH DEFINED 1 26,278 0 0
CNL INCOME FUND VII PARTNERS COMMON 004000998 20 20,000 SH DEFINED 1 20,000 0 0
COMCAST CORP NEW COMMON 20030N101 181 5,900 SH DEFINED 1 5,900 0 0
COMCAST CORP NEW COMMON 20030N101 76 2,483 SH OTHER 1 2,365 0 118
CONOCOPHILLIPS COMMON 20825C104 390 6,776 SH DEFINED 1 6,776 0 0
CONOCOPHILLIPS COMMON 20825C104 57 1,000 SH OTHER 1 1,000 0 0
CONSTELLATION ENERGY GROUP I COMMON 210371100 305 5,291 SH OTHER 1 5,291 0 0
COOPER COS INC COMMON 216648402 721 11,845 SH DEFINED 1 11,845 0 0
COOPER COS INC COMMON 216648402 23 375 SH OTHER 1 375 0 0
COVENTRY HEALTH CARE INC COMMON 222862104 660 9,330 SH DEFINED 1 9,330 0 0
COVENTRY HEALTH CARE INC COMMON 222862104 42 600 SH OTHER 1 600 0 0
CTC COMMUNICATIONS GROUP INC COMMON 126419100 0 10,000 SH DEFINED 1 10,000 0 0
DELL INC COMMON 24702R101 955 24,191 SH DEFINED 1 24,191 0 0
DELL INC COMMON 24702R101 39 1,000 SH OTHER 1 1,000 0 0
DIASENSE INC COM COMMON 252834106 0 17,500 SH DEFINED 1 17,500 0 0
DOMINION RES INC VA NEW COMMON 25746U109 870 11,858 SH DEFINED 1 11,858 0 0
DOMINION RES INC VA NEW COMMON 25746U109 148 2,015 SH OTHER 1 2,015 0 0
DOW CHEM CO COMMON 260543103 522 11,728 SH DEFINED 1 11,728 0 0
DOW CHEM CO COMMON 260543103 76 1,696 SH OTHER 1 1,696 0 0
DU PONT E I DE NEMOURS & CO COMMON 263534109 476 11,068 SH DEFINED 1 11,068 0 0
DU PONT E I DE NEMOURS & CO COMMON 263534109 90 2,100 SH OTHER 1 300 1,800 0
EBAY INC COMMON 278642103 541 16,385 SH DEFINED 1 16,385 0 0
EBAY INC COMMON 278642103 20 600 SH OTHER 1 600 0 0
EMBRYO DEV CORP COMMON 290818103 2 15,000 SH DEFINED 1 15,000 0 0
EMERSON ELEC CO COMMON 291011104 19 300 SH DEFINED 1 300 0 0
EMERSON ELEC CO COMMON 291011104 609 9,730 SH OTHER 1 9,730 0 0
ESB FINANCIAL CORP COMMON 26884F102 165 12,510 SH DEFINED 12,510 0 0
EXELON CORP COMMON 30161N101 143 2,782 SH DEFINED 1 2,782 0 0
EXELON CORP COMMON 30161N101 96 1,866 SH OTHER 1 1,866 0 0
EXXON MOBIL CORP COMMON 30231G102 4,067 70,776 SH DEFINED 1 70,776 0 0
EXXON MOBIL CORP COMMON 30231G102 2,263 39,372 SH OTHER 1 18,446 20,626 300
FEDEX CORP COMMON 31428X106 754 9,305 SH DEFINED 1 9,305 0 0
FEDEX CORP COMMON 31428X106 28 350 SH OTHER 1 350 0 0
FIRST COMWLTH FINL CORP PA COMMON 319829107 18,399 1,342,958 SH DEFINED 1 1,338,792 4,166 0
FIRST COMWLTH FINL CORP PA COMMON 319829107 2,282 166,559 SH OTHER 1 118,849 47,710 0
FLEXTRONICS INTL LTD COMMON Y2573F102 601 45,460 SH DEFINED 1 45,460 0 0
FLEXTRONICS INTL LTD COMMON Y2573F102 18 1,350 SH OTHER 1 1,350 0 0
FORTUNE BRANDS INC COMMON 349631101 1,131 12,732 SH DEFINED 1 12,732 0 0
FORTUNE BRANDS INC COMMON 349631101 27 300 SH OTHER 1 300 0 0
FPL GROUP INC COMMON 302571104 824 19,590 SH DEFINED 1 19,590 0 0
FPL GROUP INC COMMON 302571104 111 2,650 SH OTHER 1 2,650 0 0
GANNETT INC COMMON 364730101 613 8,620 SH DEFINED 1 8,620 0 0
GANNETT INC COMMON 364730101 25 350 SH OTHER 1 350 0 0
GATEWAY BANK OF PENNSYLVANIA COMMON 869099101 50 5,000 SH SOLE 5,000 0 0
GENERAL ELEC CO COMMON 369604103 3,216 92,825 SH DEFINED 1 92,825 0 0
GENERAL ELEC CO COMMON 369604103 4,489 129,565 SH OTHER 1 126,535 3,030 0
GENERAL MLS INC COMMON 370334104 142 3,030 SH DEFINED 1 3,030 0 0
GENERAL MLS INC COMMON 370334104 147 3,138 SH OTHER 1 3,138 0 0
HARTFORD FINL SVCS GROUP INC COMMON 416515104 886 11,850 SH DEFINED 1 11,850 0 0
HARTFORD FINL SVCS GROUP INC COMMON 416515104 96 1,283 SH OTHER 1 1,283 0 0
HEINZ H J CO COMMON 423074103 63 1,780 SH DEFINED 1 1,780 0 0
HEINZ H J CO COMMON 423074103 238 6,723 SH OTHER 1 6,723 0 0
INGERSOLL-RAND COMPANY LTD COMMON G4776G101 448 6,275 SH DEFINED 1 6,275 0 0
INGERSOLL-RAND COMPANY LTD COMMON G4776G101 444 6,225 SH OTHER 1 6,225 0 0
INTEL CORP COMMON 458140100 891 34,247 SH DEFINED 1 34,247 0 0
INTEL CORP COMMON 458140100 159 6,100 SH OTHER 1 6,100 0 0
INTERNATIONAL BUSINESS MACHS COMMON 459200101 1,715 23,108 SH DEFINED 1 23,108 0 0
INTERNATIONAL BUSINESS MACHS COMMON 459200101 1,183 15,943 SH OTHER 1 15,843 100 0
JACOBS ENGR GROUP INC DEL COMMON 469814107 706 12,545 SH DEFINED 1 12,545 0 0
JACOBS ENGR GROUP INC DEL COMMON 469814107 25 450 SH OTHER 1 450 0 0
JOHNSON & JOHNSON COMMON 478160104 1,699 26,144 SH DEFINED 1 26,144 0 0
JOHNSON & JOHNSON COMMON 478160104 640 9,840 SH OTHER 1 9,440 400 0
JUNIATA VALLEY NATL BK COMMON 482016102 1,146 24,119 SH DEFINED 1 24,119 0 0
LAUREL CAPITAL GROUP INC COMMON 518629100 247 12,000 SH DEFINED 12,000 0 0
LEESPORT FINANCIAL CORPORATION COMMON 524477106 1,782 76,650 SH DEFINED 76,650 0 0
LEHMAN BROS HLDGS INC COMMON 524908100 608 6,121 SH DEFINED 1 6,121 0 0
LEHMAN BROS HLDGS INC COMMON 524908100 47 475 SH OTHER 1 475 0 0
LOWES COS INC COMMON 548661107 1,452 24,944 SH DEFINED 1 24,944 0 0
LOWES COS INC COMMON 548661107 233 4,000 SH OTHER 1 3,700 300 0
LUCENT TECHNOLOGIES INC COMMON 549463107 27 9,395 SH DEFINED 1 9,319 76 0
LUCENT TECHNOLOGIES INC COMMON 549463107 7 2,345 SH OTHER 1 2,065 280 0
MAGNITUDE INFORMATION SYS IN COMMON 559534102 7 112,400 SH DEFINED 1 112,400 0 0
MAXIM INTEGRATED PRODS INC COMMON 57772K101 499 13,054 SH DEFINED 1 13,054 0 0
MAXIM INTEGRATED PRODS INC COMMON 57772K101 11 275 SH OTHER 1 275 0 0
MBNA CORP COMMON 55262L100 724 27,694 SH DEFINED 1 27,694 0 0
MBNA CORP COMMON 55262L100 76 2,892 SH OTHER 1 2,892 0 0
MCCORMICK & CO INC COMMON 579780206 624 19,090 SH DEFINED 1 19,090 0 0
MCCORMICK & CO INC COMMON 579780206 16 475 SH OTHER 1 475 0 0
MEDCO HEALTH SOLUTIONS INC COMMON 58405U102 21 392 SH DEFINED 1 392 0 0
MEDCO HEALTH SOLUTIONS INC COMMON 58405U102 184 3,452 SH OTHER 1 3,403 0 49
MEDTRONIC INC COMMON 585055106 309 5,966 SH DEFINED 1 5,966 0 0
MEDTRONIC INC COMMON 585055106 4 75 SH OTHER 1 75 0 0
MELLON FINL CORP COMMON 58551A108 136 4,742 SH DEFINED 1 4,742 0 0
MELLON FINL CORP COMMON 58551A108 133 4,645 SH OTHER 1 2,000 2,645 0
MERCK & CO INC COMMON 589331107 110 3,576 SH DEFINED 1 3,576 0 0
MERCK & CO INC COMMON 589331107 887 28,791 SH OTHER 1 28,191 600 0
MERRILL LYNCH & CO INC COMMON 590188108 1,135 20,630 SH DEFINED 1 20,630 0 0
MERRILL LYNCH & CO INC COMMON 590188108 154 2,800 SH OTHER 1 2,800 0 0
MICROSOFT CORP COMMON 594918104 1,214 48,883 SH DEFINED 1 48,883 0 0
MICROSOFT CORP COMMON 594918104 94 3,785 SH OTHER 1 3,785 0 0
MORGAN STANLEY COMMON 617446448 18 340 SH DEFINED 1 340 0 0
MORGAN STANLEY COMMON 617446448 258 4,914 SH OTHER 1 4,914 0 0
NATIONAL CITY CORP COMMON 635405103 207 6,076 SH DEFINED 1 6,076 0 0
NEW MEXICO BANQUEST COMMON 647991926 1,237 7,207 SH DEFINED 1 7,207 0 0
NEW MEXICO BANQUEST COMMON 647991926 123 717 SH OTHER 1 717 0 0
NOBLE CORPORATION COMMON G65422100 553 8,985 SH DEFINED 1 8,985 0 0
NOBLE CORPORATION COMMON G65422100 6 100 SH OTHER 1 100 0 0
NORTH PITTSBURGH SYS INC COMMON 661562108 326 16,764 SH DEFINED 1 16,764 0 0
NORTH PITTSBURGH SYS INC COMMON 661562108 1,297 66,670 SH OTHER 1 51,000 15,670 0
OMEGA FINANCIAL CORP COMMON 682092101 5,240 168,780 SH DEFINED 168,780 0 0
OMEGA FINL CORP COMMON 682092101 221 7,106 SH DEFINED 1 7,106 0 0
ORACLE CORP COMMON 68389X105 692 52,421 SH DEFINED 1 52,421 0 0
ORACLE CORP COMMON 68389X105 46 3,516 SH OTHER 1 3,516 0 0
OSCIENT PHARMACEUTICALS CORP COMMON 68812R105 27 10,000 SH DEFINED 1 10,000 0 0
PARKVALE FINANCIAL CORP COMMON 701492100 6,139 224,544 SH DEFINED 224,544 0 0
PENNSYLVANIA RL ESTATE INVT COMMON 709102107 352 7,414 SH DEFINED 1 7,414 0 0
PEPSICO INC COMMON 713448108 1,512 28,029 SH DEFINED 1 28,029 0 0
PEPSICO INC COMMON 713448108 1,230 22,800 SH OTHER 1 22,400 400 0
PFIZER INC COMMON 717081103 1,949 70,664 SH DEFINED 1 70,664 0 0
PFIZER INC COMMON 717081103 765 27,735 SH OTHER 1 27,735 0 0
PITNEY BOWES INC COMMON 724479100 528 12,126 SH DEFINED 1 12,126 0 0
PITNEY BOWES INC COMMON 724479100 24 550 SH OTHER 1 550 0 0
PNC FINL SVCS GROUP INC COMMON 693475105 515 9,455 SH DEFINED 1 8,905 0 550
PNC FINL SVCS GROUP INC COMMON 693475105 163 3,000 SH OTHER 1 3,000 0 0
PPG INDS INC COMMON 693506107 241 3,837 SH DEFINED 1 3,837 0 0
PPG INDS INC COMMON 693506107 1,566 24,952 SH OTHER 1 19,802 5,150 0
PPL CORP COMMON 69351T106 372 6,261 SH DEFINED 1 6,261 0 0
PPL CORP COMMON 69351T106 270 4,550 SH OTHER 1 4,550 0 0
PRAXAIR INC COMMON 74005P104 471 10,114 SH DEFINED 1 10,114 0 0
PRAXAIR INC COMMON 74005P104 5 100 SH OTHER 1 100 0 0
PRICE T ROWE GROUP INC COMMON 74144T108 906 14,465 SH DEFINED 1 14,465 0 0
PRICE T ROWE GROUP INC COMMON 74144T108 56 900 SH OTHER 1 900 0 0
PROCTER & GAMBLE CO COMMON 742718109 1,537 29,139 SH DEFINED 1 29,139 0 0
PROCTER & GAMBLE CO COMMON 742718109 2,160 40,950 SH OTHER 1 40,550 400 0
PUBLIC SVC ENTERPRISE GROUP COMMON 744573106 98 1,614 SH DEFINED 1 1,614 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON 744573106 421 6,930 SH OTHER 1 6,680 0 250
QUALCOMM INC COMMON 747525103 741 22,435 SH DEFINED 1 22,435 0 0
QUALCOMM INC COMMON 747525103 28 850 SH OTHER 1 850 0 0
ROCKWELL AUTOMATION INC COMMON 773903109 225 4,626 SH DEFINED 1 4,626 0 0
ROCKWELL AUTOMATION INC COMMON 773903109 228 4,688 SH OTHER 1 4,688 0 0
ROCKWELL COLLINS INC COMMON 774341101 210 4,394 SH DEFINED 1 4,394 0 0
ROCKWELL COLLINS INC COMMON 774341101 128 2,688 SH OTHER 1 2,688 0 0
ROYAL BANCSHARES OF PENN-A COMMON 780081105 447 18,821 SH DEFINED 18,821 0 0
ROYAL DUTCH PETE CO COMMON 780257804 271 4,175 SH DEFINED 1 4,175 0 0
ROYAL DUTCH PETE CO COMMON 780257804 135 2,078 SH OTHER 1 2,078 0 0
S & T BANCORP INC COMMON 783859101 2,352 65,164 SH DEFINED 1 65,164 0 0
S & T BANCORP INC COMMON 783859101 473 13,096 SH OTHER 1 13,096 0 0
SBC COMMUNICATIONS INC COMMON 78387G103 477 20,095 SH DEFINED 1 20,095 0 0
SBC COMMUNICATIONS INC COMMON 78387G103 318 13,410 SH OTHER 1 13,410 0 0
SCHLUMBERGER LTD COMMON 806857108 184 2,417 SH DEFINED 1 2,417 0 0
SCHLUMBERGER LTD COMMON 806857108 25 334 SH OTHER 1 234 100 0
SUSQUEHANNA BANCSHARES INC COMMON 869099101 2,024 82,319 SH DEFINED 82,319 0 0
SUSQUEHANNA BANCSHARES INC P COMMON 869099101 1,285 52,242 SH DEFINED 1 52,242 0 0
SYMANTEC CORP COMMON 871503108 673 30,970 SH DEFINED 1 30,970 0 0
SYMANTEC CORP COMMON 871503108 67 3,100 SH OTHER 1 3,100 0 0
SYSCO CORP COMMON 871829107 542 14,980 SH DEFINED 1 14,980 0 0
SYSCO CORP COMMON 871829107 29 800 SH OTHER 1 800 0 0
TARGET CORP COMMON 87612E106 1,594 29,305 SH DEFINED 1 29,305 0 0
TARGET CORP COMMON 87612E106 224 4,125 SH OTHER 1 4,125 0 0
TEXAS INSTRS INC COMMON 882508104 854 30,435 SH DEFINED 1 30,435 0 0
TEXAS INSTRS INC COMMON 882508104 80 2,850 SH OTHER 1 2,850 0 0
TYCO INTL LTD NEW COMMON 902124106 890 30,476 SH DEFINED 1 30,476 0 0
TYCO INTL LTD NEW COMMON 902124106 35 1,200 SH OTHER 1 1,200 0 0
UNITED TECHNOLOGIES CORP COMMON 913017109 868 16,910 SH DEFINED 1 16,910 0 0
UNITED TECHNOLOGIES CORP COMMON 913017109 33 640 SH OTHER 1 640 0 0
VALERO ENERGY CORP NEW COMMON 91913Y100 200 2,530 SH DEFINED 1 2,530 0 0
VALERO ENERGY CORP NEW COMMON 91913Y100 16 200 SH OTHER 1 200 0 0
VERITAS SOFTWARE CO COMMON 923436109 317 13,000 SH DEFINED 1 13,000 0 0
VERITAS SOFTWARE CO COMMON 923436109 11 450 SH OTHER 1 450 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 1,957 56,634 SH DEFINED 1 56,634 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 965 27,939 SH OTHER 1 23,395 4,544 0
VIACOM INC COMMON 925524308 784 24,487 SH DEFINED 1 24,487 0 0
VIACOM INC COMMON 925524308 27 852 SH OTHER 1 852 0 0
VODAFONE GROUP PLC NEW COMMON 92857W100 19 800 SH DEFINED 1 800 0 0
VODAFONE GROUP PLC NEW COMMON 92857W100 188 7,712 SH OTHER 1 7,712 0 0
VORNADO RLTY TR COMMON 929042109 961 11,955 SH DEFINED 1 11,955 0 0
VORNADO RLTY TR COMMON 929042109 129 1,600 SH OTHER 1 1,600 0 0
WACHOVIA CORP 2ND NEW COMMON 929903102 831 16,762 SH DEFINED 1 16,762 0 0
WAL MART STORES INC COMMON 931142103 1,219 25,294 SH DEFINED 1 25,294 0 0
WAL MART STORES INC COMMON 931142103 154 3,200 SH OTHER 1 3,200 0 0
WASHINGTON MUT INC COMMON 939322103 670 16,465 SH DEFINED 1 16,465 0 0
WASHINGTON MUT INC COMMON 939322103 63 1,540 SH OTHER 1 1,540 0 0
WELLS FARGO & CO NEW COMMON 949746101 1,251 20,321 SH DEFINED 1 20,321 0 0
WELLS FARGO & CO NEW COMMON 949746101 146 2,366 SH OTHER 1 2,366 0 0
WILLOW GROVE BANCORP COMMON 97111W101 443 30,200 SH DEFINED 30,200 0 0
WYETH COMMON 983024100 487 10,948 SH DEFINED 1 10,948 0 0
WYETH COMMON 983024100 169 3,800 SH OTHER 1 3,800 0 0
GRAND TOTALS 149,557