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, 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, November 7, 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: 221
Form 13F Information Table Value Total: $151,966 (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 393 5,360 SH DEFINED 1 5,360 0 0
3M CO COMMON 88579Y101 687 9,360 SH OTHER 1 9,360 0 0
ABBOTT LABS COMMON 002824100 807 19,031 SH DEFINED 1 19,031 0 0
ABBOTT LABS COMMON 002824100 31 725 SH OTHER 1 725 0 0
ALCOA INC COMMON 013817101 624 25,545 SH DEFINED 1 25,545 0 0
ALCOA INC COMMON 013817101 71 2,900 SH OTHER 1 2,900 0 0
ALLSTATE CORP COMMON 020002101 1,024 18,523 SH DEFINED 1 18,523 0 0
ALLSTATE CORP COMMON 020002101 424 7,677 SH OTHER 1 7,677 0 0
ALLTEL CORP COMMON 020039103 1,031 15,842 SH DEFINED 1 15,842 0 0
ALLTEL CORP COMMON 020039103 468 7,191 SH OTHER 1 675 6,516 0
ALTRIA GROUP INC COMMON 02209S103 900 12,215 SH DEFINED 1 12,215 0 0
ALTRIA GROUP INC COMMON 02209S103 2,266 30,740 SH OTHER 1 30,740 0 0
AMERICAN INTL GROUP INC COMMON 026874107 1,015 16,380 SH DEFINED 1 16,380 0 0
AMERICAN INTL GROUP INC COMMON 026874107 75 1,206 SH OTHER 1 1,206 0 0
AMGEN INC COMMON 031162100 1,498 18,806 SH DEFINED 1 18,806 0 0
AMGEN INC COMMON 031162100 110 1,375 SH OTHER 1 1,375 0 0
ANHEUSER BUSCH COS INC COMMON 035229103 906 21,039 SH DEFINED 1 21,039 0 0
ANHEUSER BUSCH COS INC COMMON 035229103 26 600 SH OTHER 1 600 0 0
APACHE CORP COMMON 037411105 1,155 15,354 SH DEFINED 1 15,354 0 0
APACHE CORP COMMON 037411105 90 1,199 SH OTHER 1 675 524 0
AUTOMATIC DATA PROCESSING IN COMMON 053015103 230 5,350 SH DEFINED 1 5,350 0 0
AUTOMATIC DATA PROCESSING IN COMMON 053015103 47 1,100 SH OTHER 1 1,100 0 0
BANK OF AMERICA CORPORATION COMMON 060505104 1,074 25,516 SH DEFINED 1 25,516 0 0
BANK OF AMERICA CORPORATION COMMON 060505104 138 3,276 SH OTHER 1 3,276 0 0
BELLSOUTH CORP COMMON 079860102 319 12,137 SH DEFINED 1 11,737 400 0
BELLSOUTH CORP COMMON 079860102 104 3,967 SH OTHER 1 3,967 0 0
BERKSHIRE SECURITIES COMMON 084991868 774 3,600 SH DEFINED 1 3,600 0 0
BERKSHIRE SECURITIES COMMON 084991868 387 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 842 23,400 SH DEFINED 1 23,400 0 0
BJ SVCS CO COMMON 055482103 7 200 SH OTHER 1 200 0 0
BOEING CO COMMON 097023105 238 3,502 SH DEFINED 1 3,502 0 0
BOEING CO COMMON 097023105 115 1,686 SH OTHER 1 1,686 0 0
BP PLC COMMON 055622104 957 13,508 SH DEFINED 1 13,508 0 0
BP PLC COMMON 055622104 445 6,281 SH OTHER 1 5,279 1,002 0
BP PRUDHOE BAY RTY TR COMMON 055630107 249 3,150 SH DEFINED 1 3,150 0 0
CAREMARK RX INC COMMON 141705103 1,092 21,870 SH DEFINED 1 21,870 0 0
CAREMARK RX INC COMMON 141705103 37 750 SH OTHER 1 750 0 0
CATERPILLAR INC DEL COMMON 149123101 230 3,914 SH DEFINED 1 3,914 0 0
CATERPILLAR INC DEL COMMON 149123101 28 475 SH OTHER 1 475 0 0
CENDANT CORP COMMON 151313103 512 24,825 SH DEFINED 1 24,825 0 0
CENDANT CORP COMMON 151313103 36 1,740 SH OTHER 1 1,740 0 0
CHEVRON CORP NEW COMMON 166764100 610 9,420 SH DEFINED 1 9,420 0 0
CHEVRON CORP NEW COMMON 166764100 250 3,866 SH OTHER 1 3,066 0 800
CISCO SYS INC COMMON 17275R102 1,071 59,758 SH DEFINED 1 59,758 0 0
CISCO SYS INC COMMON 17275R102 108 6,025 SH OTHER 1 6,025 0 0
CITIGROUP INC COMMON 172967101 1,452 31,888 SH DEFINED 1 31,888 0 0
CITIGROUP INC COMMON 172967101 173 3,805 SH OTHER 1 3,440 365 0
CNB FINL CORP PA COMMON 126128107 378 26,631 SH DEFINED 1 26,631 0 0
COMCAST CORP NEW COMMON 20030N101 156 5,302 SH DEFINED 1 5,302 0 0
COMCAST CORP NEW COMMON 20030N101 61 2,070 SH OTHER 1 1,952 0 118
CONOCOPHILLIPS COMMON 20825C104 424 6,064 SH DEFINED 1 6,064 0 0
CONOCOPHILLIPS COMMON 20825C104 66 950 SH OTHER 1 950 0 0
CONSTELLATION ENERGY GROUP I COMMON 210371100 326 5,291 SH OTHER 1 5,291 0 0
COOPER COS INC COMMON 216648402 907 11,845 SH DEFINED 1 11,845 0 0
COOPER COS INC COMMON 216648402 29 375 SH OTHER 1 375 0 0
COVENTRY HEALTH CARE INC COMMON 222862104 808 9,395 SH DEFINED 1 9,395 0 0
COVENTRY HEALTH CARE INC COMMON 222862104 52 600 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 843 24,641 SH DEFINED 1 24,641 0 0
DELL INC COMMON 24702R101 34 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 1,013 11,758 SH DEFINED 1 11,758 0 0
DOMINION RES INC VA NEW COMMON 25746U109 138 1,607 SH OTHER 1 1,607 0 0
DOW CHEM CO COMMON 260543103 616 14,793 SH DEFINED 1 14,793 0 0
DOW CHEM CO COMMON 260543103 13 300 SH OTHER 1 300 0 0
DU PONT E I DE NEMOURS & CO COMMON 263534109 434 11,068 SH DEFINED 1 11,068 0 0
DU PONT E I DE NEMOURS & CO COMMON 263534109 74 1,900 SH OTHER 1 300 1,600 0
EBAY INC COMMON 278642103 699 16,960 SH DEFINED 1 16,960 0 0
EBAY INC COMMON 278642103 25 600 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 22 300 SH DEFINED 1 300 0 0
EMERSON ELEC CO COMMON 291011104 699 9,730 SH OTHER 1 9,730 0 0
ESB FINANCIAL CORP COMMON 26884F102 148 12,510 SH DEFINED 12,510 0 0
EXELON CORP COMMON 30161N101 149 2,782 SH DEFINED 1 2,782 0 0
EXELON CORP COMMON 30161N101 100 1,866 SH OTHER 1 1,866 0 0
EXXON MOBIL CORP COMMON 30231G102 4,470 70,351 SH DEFINED 1 70,351 0 0
EXXON MOBIL CORP COMMON 30231G102 2,324 36,580 SH OTHER 1 15,954 20,626 0
FEDEX CORP COMMON 31428X106 857 9,840 SH DEFINED 1 9,840 0 0
FEDEX CORP COMMON 31428X106 30 350 SH OTHER 1 350 0 0
FIRST COMWLTH FINL CORP PA COMMON 319829107 17,611 1,321,136 SH DEFINED 11,316,970 4,166 0
FIRST COMWLTH FINL CORP PA COMMON 319829107 1,635 122,653 SH OTHER 1 74,943 47,710 0
FLEXTRONICS INTL LTD COMMON Y2573F102 573 44,610 SH DEFINED 1 44,610 0 0
FLEXTRONICS INTL LTD COMMON Y2573F102 17 1,350 SH OTHER 1 1,350 0 0
FORTUNE BRANDS INC COMMON 349631101 1,193 14,667 SH DEFINED 1 14,667 0 0
FORTUNE BRANDS INC COMMON 349631101 24 300 SH OTHER 1 300 0 0
FPL GROUP INC COMMON 302571104 856 17,990 SH DEFINED 1 17,990 0 0
FPL GROUP INC COMMON 302571104 136 2,850 SH OTHER 1 2,850 0 0
GANNETT INC COMMON 364730101 625 9,075 SH DEFINED 1 9,075 0 0
GANNETT INC COMMON 364730101 24 350 SH OTHER 1 350 0 0
GATEWAY BANK OF PENNSYLVANIA COMMON 869099101 50 5,000 SH DEFINED 5,000 0 0
GENERAL ELEC CO COMMON 369604103 3,471 103,085 SH DEFINED 1 103,085 0 0
GENERAL ELEC CO COMMON 369604103 4,231 125,655 SH OTHER 1 123,325 2,330 0
HARTFORD FINL SVCS GROUP INC COMMON 416515104 953 12,350 SH DEFINED 1 12,350 0 0
HARTFORD FINL SVCS GROUP INC COMMON 416515104 99 1,283 SH OTHER 1 1,283 0 0
HEINZ H J CO COMMON 423074103 65 1,780 SH DEFINED 1 1,780 0 0
HEINZ H J CO COMMON 423074103 246 6,723 SH OTHER 1 6,723 0 0
INGERSOLL-RAND COMPANY LTD COMMON G4776G101 486 12,700 SH DEFINED 1 12,700 0 0
INGERSOLL-RAND COMPANY LTD COMMON G4776G101 476 12,450 SH OTHER 1 12,450 0 0
INTEL CORP COMMON 458140100 832 33,747 SH DEFINED 1 33,747 0 0
INTEL CORP COMMON 458140100 143 5,800 SH OTHER 1 5,800 0 0
INTERNATIONAL BUSINESS MACHS COMMON 459200101 1,874 23,358 SH DEFINED 1 23,358 0 0
INTERNATIONAL BUSINESS MACHS COMMON 459200101 1,279 15,943 SH OTHER 1 15,843 100 0
JACOBS ENGR GROUP INC DEL COMMON 469814107 886 13,145 SH DEFINED 1 13,145 0 0
JACOBS ENGR GROUP INC DEL COMMON 469814107 30 450 SH OTHER 1 450 0 0
JOHNSON & JOHNSON COMMON 478160104 1,694 26,774 SH DEFINED 1 26,774 0 0
JOHNSON & JOHNSON COMMON 478160104 559 8,840 SH OTHER 1 8,840 0 0
JPMORGAN & CHASE & CO COMMON 46625H100 332 9,788 SH DEFINED 1 9,788 0 0
JUNIATA VALLEY NATL BK COMMON 482016102 1,158 24,119 SH DEFINED 1 24,119 0 0
L-3 COMMUNICATIONS HLDGS INC COMMON 502424104 202 2,550 SH DEFINED 1 2,550 0 0
LAUREL CAPITAL GROUP INC COMMON 518629100 276 12,000 SH DEFINED 12,000 0 0
LEESPORT FINANCIAL CORPORATION COMMON 524477106 1,744 76,650 SH DEFINED 76,650 0 0
LEHMAN BROS HLDGS INC COMMON 524908100 777 6,671 SH DEFINED 1 6,671 0 0
LEHMAN BROS HLDGS INC COMMON 524908100 55 475 SH OTHER 1 475 0 0
LOWES COS INC COMMON 548661107 1,642 25,504 SH DEFINED 1 25,504 0 0
LOWES COS INC COMMON 548661107 219 3,400 SH OTHER 1 3,100 300 0
LUCENT TECHNOLOGIES INC COMMON 549463107 41 12,699 SH DEFINED 1 12,623 76 0
LUCENT TECHNOLOGIES INC COMMON 549463107 7 2,245 SH OTHER 1 1,965 280 0
MAGNITUDE INFORMATION SYS IN COMMON 559534102 7 112,400 SH DEFINED 1 112,400 0 0
MAXIM INTEGRATED PRODS INC COMMON 57772K101 555 13,004 SH DEFINED 1 13,004 0 0
MAXIM INTEGRATED PRODS INC COMMON 57772K101 12 275 SH OTHER 1 275 0 0
MBNA CORP COMMON 55262L100 641 26,006 SH DEFINED 1 26,006 0 0
MBNA CORP COMMON 55262L100 71 2,892 SH OTHER 1 2,892 0 0
MCCORMICK & CO INC COMMON 579780206 649 19,895 SH DEFINED 1 19,895 0 0
MCCORMICK & CO INC COMMON 579780206 15 475 SH OTHER 1 475 0 0
MEDTRONIC INC COMMON 585055106 298 5,556 SH DEFINED 1 5,556 0 0
MEDTRONIC INC COMMON 585055106 4 75 SH OTHER 1 75 0 0
MELLON FINL CORP COMMON 58551A108 385 12,048 SH DEFINED 1 12,048 0 0
MELLON FINL CORP COMMON 58551A108 142 4,445 SH OTHER 1 2,000 2,445 0
MERCK & CO INC COMMON 589331107 76 2,776 SH DEFINED 1 2,776 0 0
MERCK & CO INC COMMON 589331107 783 28,793 SH OTHER 1 28,193 600 0
MERRILL LYNCH & CO INC COMMON 590188108 1,237 20,155 SH DEFINED 1 20,155 0 0
MERRILL LYNCH & CO INC COMMON 590188108 153 2,500 SH OTHER 1 2,500 0 0
MICROSOFT CORP COMMON 594918104 1,301 50,553 SH DEFINED 1 50,553 0 0
MICROSOFT CORP COMMON 594918104 87 3,385 SH OTHER 1 3,385 0 0
MORGAN STANLEY COMMON 617446448 18 340 SH DEFINED 1 340 0 0
MORGAN STANLEY COMMON 617446448 265 4,914 SH OTHER 1 4,914 0 0
NATIONAL CITY CORP COMMON 635405103 585 17,497 SH DEFINED 1 17,497 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 612 8,935 SH DEFINED 1 8,935 0 0
NOBLE CORPORATION COMMON G65422100 7 100 SH OTHER 1 100 0 0
NORTH PITTSBURGH SYS INC COMMON 661562108 342 16,764 SH DEFINED 1 16,764 0 0
NORTH PITTSBURGH SYS INC COMMON 661562108 1,359 66,570 SH OTHER 1 50,900 15,670 0
OMEGA FINANCIAL CORP COMMON 682092101 4,731 168,780 SH DEFINED 168,780 0 0
ORACLE CORP COMMON 68389X105 661 53,271 SH DEFINED 1 53,271 0 0
ORACLE CORP COMMON 68389X105 44 3,516 SH OTHER 1 3,516 0 0
OSCIENT PHARMACEUTICALS CORP COMMON 68812R105 21 10,000 SH DEFINED 1 10,000 0 0
PARKVALE FINANCIAL CORP COMMON 701492100 6,144 224,544 SH DEFINED 224,544 0 0
PENNSYLVANIA RL ESTATE INVT COMMON 709102107 313 7,414 SH DEFINED 1 7,414 0 0
PEPSICO INC COMMON 713448108 1,657 29,226 SH DEFINED 1 29,226 0 0
PEPSICO INC COMMON 713448108 1,282 22,600 SH OTHER 1 22,600 0 0
PFIZER INC COMMON 717081103 1,766 70,739 SH DEFINED 1 70,739 0 0
PFIZER INC COMMON 717081103 678 27,135 SH OTHER 1 27,135 0 0
PITNEY BOWES INC COMMON 724479100 485 11,631 SH DEFINED 1 11,631 0 0
PITNEY BOWES INC COMMON 724479100 18 425 SH OTHER 1 425 0 0
PNC FINL SVCS GROUP INC COMMON 693475105 586 10,094 SH DEFINED 1 9,544 0 550
PNC FINL SVCS GROUP INC COMMON 693475105 174 3,000 SH OTHER 1 3,000 0 0
PPG INDS INC COMMON 693506107 227 3,837 SH DEFINED 1 3,837 0 0
PPG INDS INC COMMON 693506107 1,453 24,552 SH OTHER 1 19,402 5,150 0
PPL CORP COMMON 69351T106 353 10,922 SH DEFINED 1 10,922 0 0
PPL CORP COMMON 69351T106 204 6,300 SH OTHER 1 6,300 0 0
PRAXAIR INC COMMON 74005P104 322 6,724 SH DEFINED 1 6,724 0 0
PRAXAIR INC COMMON 74005P104 5 100 SH OTHER 1 100 0 0
PRICE T ROWE GROUP INC COMMON 74144T108 939 14,385 SH DEFINED 1 14,385 0 0
PRICE T ROWE GROUP INC COMMON 74144T108 59 900 SH OTHER 1 900 0 0
PROCTER & GAMBLE CO COMMON 742718109 1,797 30,224 SH DEFINED 1 30,224 0 0
PROCTER & GAMBLE CO COMMON 742718109 2,411 40,550 SH OTHER 1 40,550 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON 744573106 104 1,614 SH DEFINED 1 1,614 0 0
PUBLIC SVC ENTERPRISE GROUP COMMON 744573106 272 4,230 SH OTHER 1 4,230 0 0
QUALCOMM INC COMMON 747525103 967 21,608 SH DEFINED 1 21,608 0 0
QUALCOMM INC COMMON 747525103 38 850 SH OTHER 1 850 0 0
ROCKWELL AUTOMATION INC COMMON 773903109 173 3,279 SH DEFINED 1 3,279 0 0
ROCKWELL AUTOMATION INC COMMON 773903109 106 2,000 SH OTHER 1 2,000 0 0
ROCKWELL COLLINS INC COMMON 774341101 147 3,037 SH DEFINED 1 3,037 0 0
ROCKWELL COLLINS INC COMMON 774341101 97 2,000 SH OTHER 1 2,000 0 0
ROYAL BANCSHARES OF PENN-A COMMON 780081105 420 18,821 SH DEFINED 18,821 0 0
ROYAL DUTCH SHELL PLC COMMON 780259206 274 4,175 SH DEFINED 1 4,175 0 0
ROYAL DUTCH SHELL PLC COMMON 780259206 100 1,521 SH OTHER 1 1,521 0 0
S & T BANCORP INC COMMON 783859101 2,426 64,173 SH DEFINED 1 64,173 0 0
S & T BANCORP INC COMMON 783859101 496 13,124 SH OTHER 1 13,124 0 0
SBC COMMUNICATIONS INC COMMON 78387G103 559 23,320 SH DEFINED 1 23,320 0 0
SBC COMMUNICATIONS INC COMMON 78387G103 251 10,482 SH OTHER 1 10,482 0 0
SCHLUMBERGER LTD COMMON 806857108 204 2,417 SH DEFINED 1 2,417 0 0
SCHLUMBERGER LTD COMMON 806857108 20 234 SH OTHER 1 234 0 0
SOUTHERN CO COMMON 842587107 194 5,430 SH DEFINED 1 5,430 0 0
SOUTHERN CO COMMON 842587107 11 300 SH OTHER 1 300 0 0
SUSQUEHANNA BANCSHARES INC COMMON 869099101 1,978 82,319 SH DEFINED 82,319 0 0
SUSQUEHANNA BANCSHARES INC P COMMON 869099101 1,255 52,242 SH DEFINED 1 52,242 0 0
SYMANTEC CORP COMMON 871503108 1,048 46,246 SH DEFINED 1 46,246 0 0
SYMANTEC CORP COMMON 871503108 82 3,605 SH OTHER 1 3,605 0 0
SYSCO CORP COMMON 871829107 467 14,880 SH DEFINED 1 14,880 0 0
SYSCO CORP COMMON 871829107 25 800 SH OTHER 1 800 0 0
TARGET CORP COMMON 87612E106 1,573 30,285 SH DEFINED 1 30,285 0 0
TARGET CORP COMMON 87612E106 212 4,088 SH OTHER 1 4,088 0 0
TEXAS INSTRS INC COMMON 882508104 1,030 30,385 SH DEFINED 1 30,385 0 0
TEXAS INSTRS INC COMMON 882508104 86 2,550 SH OTHER 1 2,550 0 0
TYCO INTL LTD NEW COMMON 902124106 846 30,376 SH DEFINED 1 30,376 0 0
TYCO INTL LTD NEW COMMON 902124106 33 1,200 SH OTHER 1 1,200 0 0
UNITED TECHNOLOGIES CORP COMMON 913017109 892 17,210 SH DEFINED 1 17,210 0 0
UNITED TECHNOLOGIES CORP COMMON 913017109 33 640 SH OTHER 1 640 0 0
VALERO ENERGY CORP NEW COMMON 91913Y100 369 3,260 SH DEFINED 1 3,260 0 0
VALERO ENERGY CORP NEW COMMON 91913Y100 23 200 SH OTHER 1 200 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 1,984 60,694 SH DEFINED 1 60,694 0 0
VERIZON COMMUNICATIONS COMMON 92343V104 918 28,090 SH OTHER 1 23,546 4,544 0
VIACOM INC COMMON 925524308 858 26,006 SH DEFINED 1 26,006 0 0
VIACOM INC COMMON 925524308 28 852 SH OTHER 1 852 0 0
VODAFONE GROUP PLC NEW COMMON 92857W100 84 3,240 SH DEFINED 1 3,240 0 0
VODAFONE GROUP PLC NEW COMMON 92857W100 200 7,717 SH OTHER 1 7,717 0 0
VORNADO RLTY TR COMMON 929042109 966 11,155 SH DEFINED 1 11,155 0 0
VORNADO RLTY TR COMMON 929042109 87 1,000 SH OTHER 1 1,000 0 0
WACHOVIA CORP 2ND NEW COMMON 929903102 707 14,866 SH DEFINED 1 14,866 0 0
WAL MART STORES INC COMMON 931142103 1,175 26,804 SH DEFINED 1 26,804 0 0
WAL MART STORES INC COMMON 931142103 131 3,000 SH OTHER 1 3,000 0 0
WASHINGTON MUT INC COMMON 939322103 694 17,690 SH DEFINED 1 17,690 0 0
WASHINGTON MUT INC COMMON 939322103 60 1,540 SH OTHER 1 1,540 0 0
WELLS FARGO & CO NEW COMMON 949746101 1,222 20,856 SH DEFINED 1 20,856 0 0
WELLS FARGO & CO NEW COMMON 949746101 57 966 SH OTHER 1 966 0 0
WILLOW GROVE BANCORP COMMON 97111W101 473 30,200 SH DEFINED 30,200 0 0
WYETH COMMON 983024100 553 11,948 SH DEFINED 1 11,948 0 0
WYETH COMMON 983024100 120 2,600 SH OTHER 1 2,600 0 0
GRAND TOTALS 151,966