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                                  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, 2006

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, 11/14/2006

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).)

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                              Form 13F SUMMARY PAGE

Report Summary:

Number of Other Included Managers:  1

Form 13F Information Table Entry Total: 208

Form 13F Information Table Value Total: $163,212    (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:28-11893

Name:



                           FORM 13F INFORMATION TABLE



COLUMN  1                       COL 2      COL 3     COL 4     COLUMN 5               COL 6      COL 7     COLUMN 8
                                TITLE                MARKET                                                 VOTING
                                 OF                  VALUE      SHS OR   SH/  PUT/  INVESTMENT   OTHER     AUTHORITY
ISSUER                          CLASS      CUSIP    (X$1000)   PRN AMT   PRN  CALL  DISCRETION  MANAGERS     SOLE     SHARED  NONE
------------------------------  ------   ---------  --------  ---------  ---  ----  ----------  --------   ---------  ------  -----
                                                                                             
3M CO                           COMMON   88579Y101       266      3,570  SH         DEFINED            1       3,570       0      0
3M CO                           COMMON   88579Y101       682      9,160  SH         OTHER              1       9,160       0      0
ABBOTT LABS                     COMMON   002824100     1,012     20,846  SH         DEFINED            1      20,846       0      0
ABBOTT LABS                     COMMON   002824100        27        550  SH         OTHER              1         550       0      0
AIR PRODS & CHEMS INC           COMMON   009158106       585      8,812  SH         DEFINED            1       8,812       0      0
AIR PRODS & CHEMS INC           COMMON   009158106        17        250  SH         OTHER              1         250       0      0
ALLSTATE CORP                   COMMON   020002101     1,153     18,373  SH         DEFINED            1      18,373       0      0
ALLSTATE CORP                   COMMON   020002101       456      7,274  SH         OTHER              1       7,274       0      0
ALLTEL CORP                     COMMON   020039103       835     15,049  SH         DEFINED            1      15,049       0      0
ALLTEL CORP                     COMMON   020039103       392      7,066  SH         OTHER              1         550   6,516      0
ALTRIA GROUP INC                COMMON   02209S103     1,255     16,400  SH         DEFINED            1      16,400       0      0
ALTRIA GROUP INC                COMMON   02209S103     2,300     30,040  SH         OTHER              1      30,040       0      0
AMERICAN INTL GROUP INC         COMMON   026874107       995     15,020  SH         DEFINED            1      15,020       0      0
AMERICAN INTL GROUP INC         COMMON   026874107        48        718  SH         OTHER              1         718       0      0
AMGEN INC                       COMMON   031162100     1,357     18,971  SH         DEFINED            1      18,971       0      0
AMGEN INC                       COMMON   031162100        75      1,050  SH         OTHER              1       1,050       0      0
ANHEUSER BUSCH COS INC          COMMON   035229103       366      7,700  SH         DEFINED            1       7,700       0      0
ANHEUSER BUSCH COS INC          COMMON   035229103        14        300  SH         OTHER              1         300       0      0
APACHE CORP                     COMMON   037411105       902     14,277  SH         DEFINED            1      14,277       0      0
APACHE CORP                     COMMON   037411105        69      1,099  SH         OTHER              1         575     524      0
AT&T INC                        COMMON   00206R102       760     23,337  SH         DEFINED            1      23,337       0      0
AT&T INC                        COMMON   00206R102       352     10,812  SH         OTHER              1      10,807       0      5
AUTOMATIC DATA PROCESSING IN    COMMON   053015103       767     16,210  SH         DEFINED            1      16,210       0      0
AUTOMATIC DATA PROCESSING IN    COMMON   053015103        57      1,200  SH         OTHER              1       1,200       0      0
BANK OF AMERICA CORPORATION     COMMON   060505104     1,616     30,174  SH         DEFINED            1      30,174       0      0
BANK OF AMERICA CORPORATION     COMMON   060505104       201      3,759  SH         OTHER              1       3,759       0      0
BECTON DICKINSON & CO           COMMON   075887109       806     11,400  SH         DEFINED            1      11,400       0      0
BECTON DICKINSON & CO           COMMON   075887109        64        900  SH         OTHER              1         900       0      0
BELLSOUTH CORP                  COMMON   079860102       482     11,265  SH         DEFINED            1      10,865     400      0
BELLSOUTH CORP                  COMMON   079860102       160      3,742  SH         OTHER              1       3,742       0      0
BERKSHIRE SECURITIES            COMMON   084991868     1,339      6,140  SH         DEFINED            1       6,140       0      0
BERKSHIRE SECURITIES            COMMON   084991868       392      1,800  SH         OTHER              1       1,800       0      0
BJ SVCS CO                      COMMON   055482103       615     20,410  SH         DEFINED            1      20,410       0      0
BJ SVCS CO                      COMMON   055482103         9        300  SH         OTHER              1         300       0      0
BOEING CO                       COMMON   097023105       227      2,881  SH         DEFINED            1       2,881       0      0
BOEING CO                       COMMON   097023105       157      1,986  SH         OTHER              1       1,986       0      0
BP PLC                          COMMON   055622104     1,317     20,081  SH         DEFINED            1      20,076       0      5
BP PLC                          COMMON   055622104       417      6,356  SH         OTHER              1       5,354   1,002      0
CAREMARK RX INC                 COMMON   141705103       645     11,380  SH         DEFINED            1      11,380       0      0
CAREMARK RX INC                 COMMON   141705103        34        600  SH         OTHER              1         600       0      0
CATERPILLAR INC DEL             COMMON   149123101       197      2,989  SH         DEFINED            1       2,989       0      0
CATERPILLAR INC DEL             COMMON   149123101        31        475  SH         OTHER              1         475       0      0
CHEVRON CORP NEW                COMMON   166764100       515      7,935  SH         DEFINED            1       7,930       0      5
CHEVRON CORP NEW                COMMON   166764100       279      4,307  SH         OTHER              1       3,632       0    675
CISCO SYS INC                   COMMON   17275R102     1,620     70,517  SH         DEFINED            1      70,517       0      0
CISCO SYS INC                   COMMON   17275R102       128      5,575  SH         OTHER              1       5,075       0    500
CITIGROUP INC                   COMMON   172967101     1,472     29,645  SH         DEFINED            1      29,645       0      0
CITIGROUP INC                   COMMON   172967101       179      3,605  SH         OTHER              1       3,240     365      0
CNB FINL CORP PA                COMMON   126128107       325     23,400  SH         DEFINED            1      23,400       0      0
CONOCOPHILLIPS                  COMMON   20825C104       197      3,309  SH         DEFINED            1       3,304       0      5
CONOCOPHILLIPS                  COMMON   20825C104        27        450  SH         OTHER              1         450       0      0
CONSTELLATION ENERGY GROUP I    COMMON   210371100       238      4,020  SH         OTHER              1       4,020       0      0
COVENTRY HEALTH CARE INC        COMMON   222862104       879     17,066  SH         DEFINED            1      17,066       0      0
COVENTRY HEALTH CARE INC        COMMON   222862104        46        888  SH         OTHER              1         888       0      0
DANAHER CORP DEL                COMMON   235851102       629      9,160  SH         DEFINED            1       9,160       0      0
DISNEY WALT CO                  COMMON   254687106       706     22,835  SH         DEFINED            1      22,835       0      0
DISNEY WALT CO                  COMMON   254687106        39      1,250  SH         OTHER              1       1,250       0      0
DOMINION RES INC VA NEW         COMMON   25746U109       983     12,848  SH         DEFINED            1      12,848       0      0
DOMINION RES INC VA NEW         COMMON   25746U109       125      1,637  SH         OTHER              1       1,637       0      0
DOW CHEM CO                     COMMON   260543103       918     23,541  SH         DEFINED            1      23,541       0      0
DOW CHEM CO                     COMMON   260543103        14        350  SH         OTHER              1         350       0      0
DU PONT E I DE NEMOURS & CO     COMMON   263534109       287      6,704  SH         DEFINED            1       6,704       0      0
DU PONT E I DE NEMOURS & CO     COMMON   263534109        81      1,900  SH         OTHER              1         300   1,600      0
EBAY INC                        COMMON   278642103       683     24,090  SH         DEFINED            1      24,090       0      0
EBAY INC                        COMMON   278642103        16        550  SH         OTHER              1         550       0      0
ELECTRONIC ARTS INC             COMMON   285512109       625     11,200  SH         DEFINED            1      11,200       0      0
ELECTRONIC ARTS INC             COMMON   285512109         6        100  SH         OTHER              1         100       0      0
EMBRYO DEV CORP                 COMMON   290818103         0     15,000  SH         DEFINED            1      15,000       0      0
EMERSON ELEC CO                 COMMON   291011104        25        300  SH         DEFINED            1         300       0      0
EMERSON ELEC CO                 COMMON   291011104       782      9,330  SH         OTHER              1       9,330       0      0
ESB FINANCIAL CORP              COMMON   26884F102       138     12,510  SH         DEFINED                   12,510       0      0
EXELON CORP                     COMMON   30161N101       135      2,236  SH         DEFINED            1       2,236       0      0
EXELON CORP                     COMMON   30161N101       113      1,866  SH         OTHER              1       1,866       0      0
EXXON MOBIL CORP                COMMON   30231G102     4,043     60,246  SH         DEFINED            1      60,241       0      5
EXXON MOBIL CORP                COMMON   30231G102     2,325     34,642  SH         OTHER              1      14,116  20,526      0





                                                                                             
FEDEX CORP                      COMMON   31428X106     1,138     10,475  SH         DEFINED            1      10,475       0      0
FEDEX CORP                      COMMON   31428X106        30        275  SH         OTHER              1         275       0      0
FIRST COMWLTH FINL CORP PA      COMMON   319829107    16,446  1,262,154  SH         DEFINED            1   1,258,338   3,816      0
FIRST COMWLTH FINL CORP PA      COMMON   319829107     1,318    101,150  SH         OTHER              1      55,310  45,840      0
FLEXTRONICS INTL LTD            COMMON   Y2573F102       249     19,675  SH         DEFINED            1      19,675       0      0
FLEXTRONICS INTL LTD            COMMON   Y2573F102         3        250  SH         OTHER              1         250       0      0
FNB                             COMMON   302520101     5,058    303,600  SH         DEFINED                  303,600       0      0
FORTUNE BRANDS INC              COMMON   349631101     1,258     16,747  SH         DEFINED            1      16,747       0      0
FORTUNE BRANDS INC              COMMON   349631101        28        375  SH         OTHER              1         375       0      0
FPL GROUP INC                   COMMON   302571104       228      5,065  SH         DEFINED            1       5,065       0      0
FPL GROUP INC                   COMMON   302571104       106      2,350  SH         OTHER              1       2,350       0      0
GATEWAY BANK OF PENNSYLVANIA    COMMON   869099101        50      5,000  SH         DEFINED                    5,000       0      0
GENERAL ELECTRIC CO             COMMON   369604103     2,976     84,309  SH         DEFINED            1      84,309       0      0
GENERAL ELECTRIC CO             COMMON   369604103     4,273    121,050  SH         OTHER              1     118,945   2,105      0
GLAXOSMITHKLINE PLC             COMMON   37733W105       735     13,804  SH         DEFINED            1      13,804       0      0
GLAXOSMITHKLINE PLC             COMMON   37733W105        11        200  SH         OTHER              1         200       0      0
GOLDEN WEST FINL CORP DEL       COMMON   381317106       377      4,875  SH         DEFINED            1       4,875       0      0
HARTFORD FINL SVCS GROUP INC    COMMON   416515104     1,138     13,115  SH         DEFINED            1      13,115       0      0
HARTFORD FINL SVCS GROUP INC    COMMON   416515104       115      1,331  SH         OTHER              1       1,331       0      0
HELMERICH & PAYNE INC           COMMON   423452101       250     10,850  SH         DEFINED            1      10,850       0      0
INGERSOLL-RAND COMPANY LTD      COMMON   G4776G101       706     18,595  SH         DEFINED            1      18,595       0      0
INGERSOLL-RAND COMPANY LTD      COMMON   G4776G101       467     12,300  SH         OTHER              1      12,300       0      0
INTEL CORP                      COMMON   458140100       316     15,385  SH         DEFINED            1      15,385       0      0
INTEL CORP                      COMMON   458140100        62      3,000  SH         OTHER              1       3,000       0      0
INTERNATIONAL BUSINESS MACHS    COMMON   459200101     1,515     18,488  SH         DEFINED            1      18,488       0      0
INTERNATIONAL BUSINESS MACHS    COMMON   459200101     1,194     14,574  SH         OTHER              1      14,474     100      0
JACOBS ENGR GROUP INC DEL       COMMON   469814107       843     11,280  SH         DEFINED            1      11,280       0      0
JACOBS ENGR GROUP INC DEL       COMMON   469814107        26        350  SH         OTHER              1         350       0      0
JOHNSON & JOHNSON               COMMON   478160104     1,740     26,799  SH         DEFINED            1      26,799       0      0
JOHNSON & JOHNSON               COMMON   478160104       522      8,040  SH         OTHER              1       8,040       0      0
JP MORGAN CHASE & CO            COMMON   46625H100       422      8,977  SH         DEFINED            1       8,977       0      0
JP MORGAN CHASE & CO            COMMON   46625H100        17        370  SH         OTHER              1         370       0      0
JUNIATA VALLEY NATL BK          COMMON   482016102     1,031     48,238  SH         DEFINED            1      48,238       0      0
L-3 COMMUNICATIONS HLDGS INC    COMMON   502424104       734      9,365  SH         DEFINED            1       9,365       0      0
L-3 COMMUNICATIONS HLDGS INC    COMMON   502424104        14        175  SH         OTHER              1         175       0      0
LEESPORT FINANCIAL CORPORATION  COMMON   524477106     1,833     80,482  SH         DEFINED                   80,482       0      0
LEHMAN BROS HLDGS INC           COMMON   524908100     1,017     13,767  SH         DEFINED            1      13,767       0      0
LEHMAN BROS HLDGS INC           COMMON   524908100        55        750  SH         OTHER              1         750       0      0
LOWES COS INC                   COMMON   548661107     1,203     42,861  SH         DEFINED            1      42,861       0      0
LOWES COS INC                   COMMON   548661107       156      5,550  SH         OTHER              1       4,950     600      0
LUCENT TECHNOLOGIES INC         COMMON   549463107        21      8,996  SH         DEFINED            1       8,920      76      0
LUCENT TECHNOLOGIES INC         COMMON   549463107         3      1,317  SH         OTHER              1       1,317       0      0
MAGNITUDE INFORMATION SYS IN    COMMON   559534102         5    112,400  SH         DEFINED            1     112,400       0      0
MCCORMICK & CO INC              COMMON   579780206       678     17,860  SH         DEFINED            1      17,860       0      0
MCCORMICK & CO INC              COMMON   579780206        13        350  SH         OTHER              1         350       0      0
MELLON FINL CORP                COMMON   58551A108       456     11,674  SH         DEFINED            1      11,674       0      0
MELLON FINL CORP                COMMON   58551A108       151      3,870  SH         OTHER              1       1,600   2,270      0
MERCK & CO INC                  COMMON   589331107       108      2,576  SH         DEFINED            1       2,576       0      0
MERCK & CO INC                  COMMON   589331107     1,188     28,349  SH         OTHER              1      27,849     500      0
MERRILL LYNCH & CO INC          COMMON   590188108     1,466     18,745  SH         DEFINED            1      18,745       0      0
MERRILL LYNCH & CO INC          COMMON   590188108       154      1,975  SH         OTHER              1       1,975       0      0
MICROSOFT CORP                  COMMON   594918104     1,489     54,449  SH         DEFINED            1      54,449       0      0
MICROSOFT CORP                  COMMON   594918104        60      2,200  SH         OTHER              1       2,200       0      0
MORGAN STANLEY                  COMMON   617446448         4         60  SH         DEFINED            1          60       0      0
MORGAN STANLEY                  COMMON   617446448       350      4,797  SH         OTHER              1       4,797       0      0
MOTOROLA INC                    COMMON   620076109       675     26,995  SH         DEFINED            1      26,995       0      0
MOTOROLA INC                    COMMON   620076109        13        500  SH         OTHER              1         500       0      0
NATIONAL CITY CORP              COMMON   635405103       657     17,946  SH         DEFINED            1      17,946       0      0
NATIONAL CITY CORP              COMMON   635405103         5        150  SH         OTHER              1         150       0      0
NEW MEXICO BANQUEST             COMMON   647991926    11,169     45,589  SH         DEFINED            1      45,589       0      0
NEW MEXICO BANQUEST             COMMON   647991926       176        717  SH         OTHER              1         717       0      0
NOBLE CORPORATION               COMMON   G65422100       294      4,580  SH         DEFINED            1       4,580       0      0
NORTH PITTSBURGH SYS INC        COMMON   661562108       271     10,764  SH         DEFINED            1      10,764       0      0
OMEGA FINANCIAL CORP            COMMON   682092101     4,973    165,377  SH         DEFINED                  165,377       0      0
ORACLE CORP                     COMMON   68389X105       895     50,476  SH         DEFINED            1      50,476       0      0
ORACLE CORP                     COMMON   68389X105        50      2,816  SH         OTHER              1       2,816       0      0
OSCIENT PHARMACEUTICALS CORP    COMMON   68812R105        15     14,400  SH         DEFINED            1      14,400       0      0
PARKVALE FINANCIAL CORP         COMMON   701492100     7,196    224,544  SH         DEFINED                  224,544       0      0
PENNSYLVANIA RL ESTATE INVT     COMMON   709102107       316      7,414  SH         DEFINED            1       7,414       0      0
PEPSICO INC                     COMMON   713448108     1,791     27,451  SH         DEFINED            1      27,451       0      0
PEPSICO INC                     COMMON   713448108     1,393     21,350  SH         OTHER              1      21,350       0      0
PETSMART INC                    COMMON   716768106       643     23,160  SH         DEFINED            1      23,160       0      0
PETSMART INC                    COMMON   716768106        10        350  SH         OTHER              1         350       0      0





                                                                                             
PFIZER INC                      COMMON   717081103       754     26,587  SH         DEFINED            1      26,587       0      0
PFIZER INC                      COMMON   717081103       644     22,702  SH         OTHER              1      22,702       0      0
PNC FINL SVCS GROUP INC         COMMON   693475105       601      8,303  SH         DEFINED            1       8,303       0      0
PNC FINL SVCS GROUP INC         COMMON   693475105       181      2,500  SH         OTHER              1       2,500       0      0
PPG INDS INC                    COMMON   693506107       163      2,437  SH         DEFINED            1       2,437       0      0
PPG INDS INC                    COMMON   693506107     1,600     23,852  SH         OTHER              1      18,702   5,150      0
PPL CORP                        COMMON   69351T106       299      9,092  SH         DEFINED            1       9,092       0      0
PPL CORP                        COMMON   69351T106       143      4,350  SH         OTHER              1       4,350       0      0
PRICE T ROWE GROUP INC          COMMON   74144T108     1,082     22,605  SH         DEFINED            1      22,605       0      0
PRICE T ROWE GROUP INC          COMMON   74144T108        72      1,500  SH         OTHER              1       1,500       0      0
PROCTER & GAMBLE CO             COMMON   742718109     1,885     30,407  SH         DEFINED            1      30,407       0      0
PROCTER & GAMBLE CO             COMMON   742718109     2,477     39,971  SH         OTHER              1      39,971       0      0
PUBLIC SVC ENTERPRISE GROUP     COMMON   744573106        94      1,539  SH         DEFINED            1       1,539       0      0
PUBLIC SVC ENTERPRISE GROUP     COMMON   744573106       259      4,230  SH         OTHER              1       4,230       0      0
QUALCOMM INC                    COMMON   747525103       756     20,793  SH         DEFINED            1      20,793       0      0
QUALCOMM INC                    COMMON   747525103        24        650  SH         OTHER              1         650       0      0
ROCKWELL AUTOMATION INC         COMMON   773903109       193      3,315  SH         DEFINED            1       3,315       0      0
ROCKWELL AUTOMATION INC         COMMON   773903109       116      2,000  SH         OTHER              1       2,000       0      0
ROCKWELL COLLINS INC            COMMON   774341101       167      3,037  SH         DEFINED            1       3,037       0      0
ROCKWELL COLLINS INC            COMMON   774341101       110      2,000  SH         OTHER              1       2,000       0      0
ROYAL BANCSHARES OF PENN-A      COMMON   780081105       520     19,197  SH         DEFINED                   19,197       0      0
ROYAL DUTCH SHELL PLC           COMMON   780259206       199      3,016  SH         DEFINED            1       3,016       0      0
ROYAL DUTCH SHELL PLC           COMMON   780259206       167      2,521  SH         OTHER              1       2,521       0      0
S & T BANCORP INC               COMMON   783859101     2,569     79,054  SH         DEFINED            1      79,054       0      0
S & T BANCORP INC               COMMON   783859101       431     13,256  SH         OTHER              1      13,256       0      0
SCHLUMBERGER LTD                COMMON   806857108       272      4,384  SH         DEFINED            1       4,384       0      0
SCHLUMBERGER LTD                COMMON   806857108        29        468  SH         OTHER              1         468       0      0
SOUTHERN CO                     COMMON   842587107       640     18,584  SH         DEFINED            1      18,584       0      0
SOUTHERN CO                     COMMON   842587107        16        450  SH         OTHER              1         450       0      0
SUSQUEHANNA BANCSHARES INC      COMMON   869099101     1,454     59,487  SH         DEFINED                   59,487       0      0
SUSQUEHANNA BANCSHARES INC P    COMMON   869099101     1,277     52,242  SH         DEFINED            1      52,242       0      0
TARGET CORP                     COMMON   87612E106     1,303     23,575  SH         DEFINED            1      23,575       0      0
TARGET CORP                     COMMON   87612E106       190      3,438  SH         OTHER              1       3,438       0      0
TEXAS INSTRS INC                COMMON   882508104       979     29,440  SH         DEFINED            1      29,440       0      0
TEXAS INSTRS INC                COMMON   882508104        83      2,500  SH         OTHER              1       2,500       0      0
UNITED TECHNOLOGIES CORP        COMMON   913017109     1,130     17,835  SH         DEFINED            1      17,835       0      0
UNITED TECHNOLOGIES CORP        COMMON   913017109        32        500  SH         OTHER              1         500       0      0
VALERO ENERGY CORP NEW          COMMON   91913Y100       770     14,960  SH         DEFINED            1      14,960       0      0
VALERO ENERGY CORP NEW          COMMON   91913Y100        26        500  SH         OTHER              1         500       0      0
VERIZON COMMUNICATIONS          COMMON   92343V104     2,175     58,581  SH         DEFINED            1      58,581       0      0
VERIZON COMMUNICATIONS          COMMON   92343V104     1,023     27,540  SH         OTHER              1      22,996   4,544      0
VODAFONE GROUP PLC NEW          COMMON   92857W209        58      2,528  SH         DEFINED            1       2,528       0      0
VODAFONE GROUP PLC NEW          COMMON   92857W209       144      6,317  SH         OTHER              1       6,317       0      0
VORNADO RLTY TR                 COMMON   929042109       791      7,260  SH         DEFINED            1       7,260       0      0
VORNADO RLTY TR                 COMMON   929042109        93        850  SH         OTHER              1         850       0      0
WACHOVIA CORP 2ND NEW           COMMON   929903102       848     15,190  SH         DEFINED            1      15,190       0      0
WAL MART STORES INC             COMMON   931142103     1,124     22,794  SH         DEFINED            1      22,794       0      0
WAL MART STORES INC             COMMON   931142103       121      2,450  SH         OTHER              1       2,450       0      0
WALGREEN CO                     COMMON   931422109       672     15,135  SH         DEFINED            1      15,135       0      0
WALGREEN CO                     COMMON   931422109        11        250  SH         OTHER              1         250       0      0
WASHINGTON MUT INC              COMMON   939322103       645     14,829  SH         DEFINED            1      14,829       0      0
WASHINGTON MUT INC              COMMON   939322103        41        950  SH         OTHER              1         950       0      0
WELLPOINT INC                   COMMON   94973V107       532      6,905  SH         DEFINED            1       6,905       0      0
WELLS FARGO & CO NEW            COMMON   949746101     1,344     37,152  SH         DEFINED            1      37,152       0      0
WELLS FARGO & CO NEW            COMMON   949746101        70      1,932  SH         OTHER              1       1,932       0      0
WILLOW GROVE BANCORP            COMMON   97111W101       473     30,200  SH         DEFINED                   30,200       0      0
WINDSTREAM CORP                 COMMON   97381W104        47      3,547  SH         DEFINED            1       3,547       0      0
WINDSTREAM CORP                 COMMON   97381W104        86      6,505  SH         OTHER              1          78       0  6,427
WYETH                           COMMON   983024100       766     15,070  SH         DEFINED            1      15,070       0      0
WYETH                           COMMON   983024100        64      1,250  SH         OTHER              1       1,250       0      0

GRAND TOTALS                                         163,212  4,892,439