UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
Form 13F
Form 13F COVER PAGE
Report for the Calendar Year or Quarter Ended: March 31, 2002
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, May 15, 2002
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: 231
Form 13F Information Table Value Total: $153,024 (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 AUTHORI
ISSUER CLASS CUSIP (X$1000) PRN AMT PRN CALL DISCRETION MANAGERS SOLE SHARED NONE
ABBOTT LABORATORIES Common 002824100 793 15,083 SH DEFINED 1 15,083 0 0
ABBOTT LABORATORIES Common 002824100 21 400 SH OTHER 1 400 0 0
ALCOA INC. Common 013817101 730 19,350 SH DEFINED 1 19,350 0 0
ALCOA INC. Common 013817101 145 3,850 SH OTHER 1 3,850 0 0
ALLEGHENY ENERGY INC Common 017361106 259 6,254 SH DEFINED 1 6,254 0 0
ALLEGHENY ENERGY INC Common 017361106 8 200 SH OTHER 1 200 0 0
ALLSTATE CORP Common 020002101 749 19,828 SH DEFINED 1 19,828 0 0
ALLSTATE CORP Common 020002101 237 6,262 SH OTHER 1 6,262 0 0
ALLTEL CORP Common 020039103 408 7,352 SH DEFINED 1 5,306 2,046 0
ALLTEL CORP Common 020039103 409 7,366 SH OTHER 1 500 6,866 0
AMERICAN EAGLE OUTFITTERS Common 02553E106 266 10,725 SH DEFINED 1 10,725 0 0
AMERICAN EAGLE OUTFITTERS Common 02553E106 4 175 SH OTHER 1 175 0 0
AMERICAN EXPRESS CO Common 025816109 276 6,742 SH DEFINED 1 6,742 0 0
AMERICAN INTERNATIONAL GROUP Common 026874107 1,093 15,152 SH DEFINED 1 15,152 0 0
AMERICAN INTERNATIONAL GROUP Common 026874107 121 1,681 SH OTHER 1 1,681 0 0
AMGEN INC Common 031162100 753 12,610 SH DEFINED 1 12,610 0 0
AMGEN INC Common 031162100 22 375 SH OTHER 1 375 0 0
ANHEUSER BUSCH COS INC Common 035229103 1,176 22,525 SH DEFINED 1 22,525 0 0
ANHEUSER BUSCH COS INC Common 035229103 76 1,450 SH OTHER 1 1,450 0 0
AOL TIME WARNER INC Common 00184A105 727 30,758 SH DEFINED 1 30,758 0 0
AOL TIME WARNER INC Common 00184A105 51 2,150 SH OTHER 1 2,150 0 0
APACHE CORP Common 037411105 366 6,432 SH DEFINED 1 6,432 0 0
APACHE CORP Common 037411105 14 250 SH OTHER 1 0 250 0
APPLIED MATLS INC Common 038222105 912 16,800 SH DEFINED 1 16,800 0 0
APPLIED MATLS INC Common 038222105 81 1,500 SH OTHER 1 1,500 0 0
AT&T CORP COMMON Common 001957109 318 20,270 SH DEFINED 1 20,182 88 0
AT&T CORP COMMON Common 001957109 129 8,234 SH OTHER 1 7,719 515 0
AUTOMATIC DATA PROCESSING INC Common 053015103 658 11,292 SH DEFINED 1 11,292 0 0
AUTOMATIC DATA PROCESSING INC Common 053015103 128 2,200 SH OTHER 1 2,200 0 0
BANK OF AMERICA CORP Common 060505104 568 8,348 SH DEFINED 1 8,348 0 0
BANK OF AMERICA CORP Common 060505104 61 900 SH OTHER 1 900 0 0
BELLSOUTH CORP Common 079860102 1,014 27,514 SH DEFINED 1 27,114 400 0
BELLSOUTH CORP Common 079860102 89 2,418 SH OTHER 1 2,218 200 0
BERKSHIRE SECURITIES Common 084991868 896 5,400 SH DEFINED 1 5,400 0 0
BICO INC Common 088766100 2 101,100 SH DEFINED 1 101,100 0 0
BOEING CO Common 097023105 594 12,320 SH DEFINED 1 12,320 0 0
BOEING CO Common 097023105 81 1,669 SH OTHER 1 1,669 0 0
BP AMOCO PLC SPONSORED ADR Common 055622104 1,058 19,921 SH DEFINED 1 19,921 0 0
BP AMOCO PLC SPONSORED ADR Common 055622104 461 8,676 SH OTHER 1 6,876 1,800 0
BRISTOL MYERS SQUIB Common 110122108 608 15,009 SH DEFINED 1 15,009 0 0
BRISTOL MYERS SQUIB Common 110122108 45 1,100 SH OTHER 1 1,100 0 0
CARDINAL HEALTH INC Common 14149Y108 468 6,600 SH DEFINED 1 6,600 0 0
CARDINAL HEALTH INC Common 14149Y108 43 600 SH OTHER 1 600 0 0
CATERPILLAR INC Common 149123101 440 7,732 SH DEFINED 1 7,732 0 0
CATERPILLAR INC Common 149123101 16 275 SH OTHER 1 275 0 0
CHEVRON TEXACO CORP Common 166764100 444 4,922 SH DEFINED 1 4,152 0 770
CHEVRON TEXACO CORP Common 166764100 216 2,395 SH OTHER 1 1,995 0 400
CISCO SYSTEMS Common 17275R102 864 51,036 SH DEFINED 1 51,036 0 0
CISCO SYSTEMS Common 17275R102 142 8,400 SH OTHER 1 8,400 0 0
CITIGROUP INC Common 172967101 1,223 24,692 SH DEFINED 1 24,692 0 0
CITIGROUP INC Common 172967101 99 1,992 SH OTHER 1 1,490 502 0
CNB FINANCIAL CORP. Common 126128107 237 9,360 SH DEFINED 1 9,360 0 0
CNB FINANCIAL CORP/PA Common 126128107 626 24,678 SH DEFINED 24,678 0 0
COCA COLA CO Common 191216100 296 5,662 SH DEFINED 1 5,462 200 0
COMPAQ COMPUTER CORP Common 204493100 283 27,100 SH DEFINED 1 27,100 0 0
COMPAQ COMPUTER CORP Common 204493100 33 3,183 SH OTHER 1 3,183 0 0
CORNING INC Common 219350105 203 26,675 SH DEFINED 1 26,675 0 0
CORNING INC Common 219350105 5 600 SH OTHER 1 600 0 0
CROWN AMERICAN REALTY TRUST Common 228186102 213 21,860 SH DEFINED 1 21,860 0 0
DOW CHEMICAL COMPANY Common 260543103 177 5,399 SH DEFINED 1 5,399 0 0
DOW CHEMICAL COMPANY Common 260543103 52 1,596 SH OTHER 1 1,596 0 0
DUPONT DE NEMOUR Common 263534109 859 18,225 SH DEFINED 1 18,225 0 0
DUPONT DE NEMOUR Common 263534109 132 2,800 SH OTHER 1 1,000 1,800 0
DYNEGY INC NEW Common 26816Q101 403 13,900 SH DEFINED 1 13,900 0 0
DYNEGY INC NEW Common 26816Q101 4 125 SH OTHER 1 125 0 0
EL PASO CORPORATION Common 28336L109 348 7,901 SH DEFINED 1 7,901 0 0
EL PASO CORPORATION Common 28336L109 4 100 SH OTHER 1 100 0 0
EMBRYO DEVELOPMENT CORP Common 290818103 0 15,000 SH DEFINED 1 15,000 0 0
EMC CORP Common 268648102 222 18,600 SH DEFINED 1 18,600 0 0
EMC CORP Common 268648102 39 3,250 SH OTHER 1 3,250 0 0
EMERSON ELECTRIC CO Common 291011104 17 300 SH DEFINED 1 300 0 0
EMERSON ELECTRIC CO Common 291011104 558 9,730 SH OTHER 1 9,730 0 0
ESB FINANCIAL CORP Common 26884F102 68 6,000 SH DEFINED 6,000 0 0
EXXON MOBIL CORP Common 30231G102 3,740 85,336 SH DEFINED 1 85,336 0 0
EXXON MOBIL CORP Common 30231G102 2,590 59,094 SH OTHER 1 42,948 16,146 0
FEDERAL NATIONAL MORTGAGE ASSOC Common 313586109 872 10,920 SH DEFINED 1 10,920 0 0
FEDERAL NATIONAL MORTGAGE ASSOC Common 313586109 128 1,600 SH OTHER 1 1,600 0 0
FIRST BELL BANCORP INC Common 319301107 174 11,200 SH DEFINED 11,200 0 0
FIRST COLONIAL GROUP INC Common 319734109 827 35,555 SH DEFINED 35,555 0 0
FIRST COMMONWEALTH FINANCIAL CO Common 319829107 21,138 1,596,507 SH DEFINED 1 1,588,161 8,346 0
FIRST COMMONWEALTH FINANCIAL CO Common 319829107 3,077 232,408 SH OTHER 1 179,598 52,810 0
FORTUNE BRANDS INC Common 349631101 194 3,932 SH DEFINED 1 3,932 0 0
FORTUNE BRANDS INC Common 349631101 143 2,900 SH OTHER 1 2,900 0 0
FULTON FINANCIAL CORP Common 360271100 25 1,000 SH DEFINED 1,000 0 0
GA FINANCIAL INC Common 361437106 1,552 90,000 SH DEFINED 90,000 0 0
GALLAHER GROUP PLC-SPON ADR Common 363595109 121 3,932 SH DEFINED 1 3,932 0 0
GALLAHER GROUP PLC-SPON ADR Common 363595109 89 2,900 SH OTHER 1 2,900 0 0
GENERAL ELECTRIC Common 369604103 3,640 97,207 SH DEFINED 1 97,207 0 0
GENERAL ELECTRIC Common 369604103 4,980 132,990 SH OTHER 1 129,610 3,380 0
GENERAL MILLS INC Common 370334104 157 3,220 SH DEFINED 1 3,220 0 0
GENERAL MILLS INC Common 370334104 183 3,740 SH OTHER 1 3,740 0 0
GENERAL MOTORS CORP Common 370442105 227 3,758 SH DEFINED 1 3,358 0 400
GENERAL MOTORS CORP Common 370442105 87 1,435 SH OTHER 1 977 458 0
GILLETTE CO Common 375766102 238 6,999 SH DEFINED 1 6,999 0 0
GILLETTE CO Common 375766102 7 200 SH OTHER 1 200 0 0
HARLEY DAVIDSON INC Common 412822108 608 11,025 SH DEFINED 1 11,025 0 0
HARLEY DAVIDSON INC Common 412822108 47 850 SH OTHER 1 550 300 0
HOME DEPOT INC Common 437076102 348 7,162 SH DEFINED 1 7,162 0 0
HOME DEPOT INC Common 437076102 15 300 SH OTHER 1 300 0 0
H. J. HEINZ COMPANY Common 423074103 145 3,505 SH DEFINED 1 3,505 0 0
H. J. HEINZ COMPANY Common 423074103 166 4,000 SH OTHER 1 4,000 0 0
IBT BANCORP INC IRWIN PA Common 44923F108 179 5,853 SH SOLE 5,853 0 0
INGERSOLL-RAND COMPANY L Common G4776G101 300 6,000 SH OTHER 1 6,000 0 0
INTEL CORP Common 458140100 1,635 53,780 SH DEFINED 1 53,780 0 0
INTEL CORP Common 458140100 237 7,800 SH OTHER 1 7,800 0 0
INT'L BUSINESS MACHINES CORP Common 459200101 1,709 16,434 SH DEFINED 1 16,434 0 0
INT'L BUSINESS MACHINES CORP Common 459200101 1,546 14,865 SH OTHER 1 14,765 100 0
JACOBS ENGR GROUP INC Common 469814107 417 5,850 SH DEFINED 1 5,850 0 0
JACOBS ENGR GROUP INC Common 469814107 7 100 SH OTHER 1 100 0 0
JOHNSON & JOHNSON Common 478160104 1,615 24,861 SH DEFINED 1 24,861 0 0
JOHNSON & JOHNSON Common 478160104 788 12,140 SH OTHER 1 11,740 400 0
JUNIATA VALLEY FINANCIAL CORP Common 482016102 685 24,119 SH DEFINED 1 24,119 0 0
JUNIPER NETWORKS INC Common 48203R104 122 9,673 SH DEFINED 1 9,673 0 0
JUNIPER NETWORKS INC Common 48203R104 9 700 SH OTHER 1 700 0 0
KRAFT FOODS INC Common 50075N104 329 8,500 SH DEFINED 1 8,500 0 0
KRAFT FOODS INC Common 50075N104 4 100 SH OTHER 1 100 0 0
LENNAR CORP Common 526057104 445 8,425 SH DEFINED 1 8,425 0 0
LENNAR CORP Common 526057104 5 100 SH OTHER 1 100 0 0
LOWES COS INC Common 548661107 1,047 24,071 SH DEFINED 1 24,071 0 0
LOWES COS INC Common 548661107 146 3,350 SH OTHER 1 3,050 300 0
LUCENT TECHNOLOGIES INC Common 549463107 120 25,332 SH DEFINED 1 25,256 76 0
LUCENT TECHNOLOGIES INC Common 549463107 28 5,911 SH OTHER 1 5,631 280 0
MBNA CORP Common 55262L100 441 11,429 SH DEFINED 1 11,429 0 0
MBNA CORP Common 55262L100 160 4,150 SH OTHER 1 4,150 0 0
MCDONALDS CORP Common 580135101 336 12,120 SH DEFINED 1 12,120 0 0
MCDONALDS CORP Common 580135101 76 2,726 SH OTHER 1 2,726 0 0
MELLON FINANCIAL CORP Common 58551A108 816 21,134 SH DEFINED 1 21,134 0 0
MELLON FINANCIAL CORP Common 58551A108 310 8,045 SH OTHER 1 4,300 3,745 0
MERCK & COMPANY INC Common 589331107 2,260 39,247 SH DEFINED 1 39,247 0 0
MERCK & COMPANY INC Common 589331107 1,999 34,724 SH OTHER 1 33,924 800 0
MERRILL LYNCH & CO Common 590188108 1,400 25,275 SH DEFINED 1 25,275 0 0
MERRILL LYNCH & CO Common 590188108 199 3,600 SH OTHER 1 3,600 0 0
MICROSOFT CORP Common 594918104 1,138 18,872 SH DEFINED 1 18,872 0 0
MICROSOFT CORP Common 594918104 133 2,200 SH OTHER 1 2,200 0 0
MINNESOTA MINING & MANUF Common 604059105 732 6,365 SH DEFINED 1 6,365 0 0
MINNESOTA MINING & MANUF Common 604059105 641 5,570 SH OTHER 1 5,470 100 0
MORGAN STANLEY DEAN WITT Common 617446448 268 4,680 SH OTHER 1 4,680 0 0
NATL PENN BCSHS INC Common 637138108 859 34,982 SH DEFINED 34,982 0 0
NEW MEXICO BANQUEST Common 647991926 749 7,207 SH DEFINED 1 7,207 0 0
NEW MEXICO BANQUEST Common 647991926 78 754 SH OTHER 1 754 0 0
NEWELL RUBBERMAID INC Common 651229106 245 7,668 SH DEFINED 1 7,668 0 0
NITTANY FINANCIAL CORP Common 65480R102 139 12,100 SH SOLE 12,100 0 0
NOBLE DRILLING CORP Common 655042109 241 5,825 SH DEFINED 1 5,825 0 0
NORTH PITTSBURGH SYS INC Common 661562108 1,179 84,270 SH OTHER 1 65,600 18,670 0
NOVELLUS SYSTEMS INC Common 670008101 918 16,950 SH DEFINED 1 16,950 0 0
NOVELLUS SYSTEMS INC Common 670008101 27 500 SH OTHER 1 500 0 0
OMEGA FINANCIAL CORP Common 682092101 1,024 31,479 SH DEFINED 31,479 0 0
ORACLE CORP Common 68389X105 700 54,695 SH DEFINED 1 54,695 0 0
ORACLE CORP Common 68389X105 59 4,600 SH OTHER 1 4,600 0 0
P P G INDUSTRIES INC Common 693506107 442 8,047 SH DEFINED 1 8,047 0 0
P P G INDUSTRIES INC Common 693506107 1,735 31,590 SH OTHER 1 24,540 7,050 0
PARKVALE FINANCIAL CORP Common 701492100 2,914 116,100 SH DEFINED 116,100 0 0
PENNROCK FINAN SERVICES CORP Common 708352109 235 8,400 SH DEFINED 8,400 0 0
PENNZOIL-QUAKER ST CO Common 709323109 528 24,612 SH OTHER 1 24,612 0 0
PEPSICO INCORPORATED Common 713448108 1,857 36,054 SH DEFINED 1 36,054 0 0
PEPSICO INCORPORATED Common 713448108 1,125 21,850 SH OTHER 1 21,450 400 0
PFIZER INC Common 717081103 3,276 82,433 SH DEFINED 1 82,433 0 0
PFIZER INC Common 717081103 1,125 28,312 SH OTHER 1 28,312 0 0
PHILIP MORRIS CO Common 718154107 729 13,850 SH DEFINED 1 13,850 0 0
PHILIP MORRIS CO Common 718154107 1,793 34,040 SH OTHER 1 34,040 0 0
PNC BANK CORP Common 693475105 671 10,905 SH DEFINED 1 10,355 0 550
PNC BANK CORP Common 693475105 223 3,628 SH OTHER 1 3,628 0 0
PNC FINANCIAL SERVICES GROUP Common 693475105 3,997 65,000 SH DEFINED 65,000 0 0
PPL CORP Common 69351T106 409 10,315 SH DEFINED 1 10,315 0 0
PPL CORP Common 69351T106 230 5,800 SH OTHER 1 5,800 0 0
PRICE T ROWE GROUP INC Common 74144T108 512 13,140 SH DEFINED 1 13,140 0 0
PRICE T ROWE GROUP INC Common 74144T108 6 150 SH OTHER 1 150 0 0
PROCTER & GAMBLE CO Common 742718109 2,212 24,551 SH DEFINED 1 24,551 0 0
PROCTER & GAMBLE CO Common 742718109 2,005 22,250 SH OTHER 1 22,050 200 0
PROMISTAR FINL CORP Common 74342Y107 20 803 SH DEFINED 1 803 0 0
PROMISTAR FINL CORP Common 74342Y107 278 11,250 SH OTHER 1 11,250 0 0
PUBLIC SERV ELEC GAS Common 744573106 46 1,004 SH DEFINED 1 1,004 0 0
PUBLIC SERV ELEC GAS Common 744573106 306 6,680 SH OTHER 1 6,680 0 0
QUALCOMM INC Common 747525103 295 7,850 SH DEFINED 1 7,850 0 0
QUALCOMM INC Common 747525103 11 300 SH OTHER 1 300 0 0
RENT WAY INC Common 76009U104 85 10,000 SH DEFINED 1 10,000 0 0
ROCKWELL COLLINS INC Common 774341101 140 5,567 SH DEFINED 1 5,567 0 0
ROCKWELL COLLINS INC Common 774341101 68 2,688 SH OTHER 1 2,688 0 0
ROHM & HAAS CO Common 775371107 192 4,550 SH DEFINED 1 4,550 0 0
ROHM & HAAS CO Common 775371107 15 350 SH OTHER 1 350 0 0
ROYAL BANCSHARES OF PENN-A Common 780081105 647 32,376 SH DEFINED 32,376 0 0
ROYAL DUTCH PETROLEUM NY Common 780257804 331 6,100 SH DEFINED 1 6,100 0 0
ROYAL DUTCH PETROLEUM NY Common 780257804 54 991 SH OTHER 1 991 0 0
S & T BANCORP INC Common 783859101 1,894 74,401 SH DEFINED 74,401 0 0
S & T BANCORP INC Common 783859101 1,754 68,923 SH DEFINED 1 68,923 0 0
S & T BANCORP INC Common 783859101 765 30,046 SH OTHER 1 30,046 0 0
SBC COMMUNICATIONS INC Common 78387G103 608 16,242 SH DEFINED 1 16,242 0 0
SBC COMMUNICATIONS INC Common 78387G103 304 8,118 SH OTHER 1 8,118 0 0
SCHERING-PLOUGH CORP Common 806605101 309 9,877 SH DEFINED 1 9,877 0 0
SCHERING-PLOUGH CORP Common 806605101 13 400 SH OTHER 1 400 0 0
SCHLUMBERGER LTD Common 806857108 666 11,317 SH DEFINED 1 11,317 0 0
SCHLUMBERGER LTD Common 806857108 85 1,450 SH OTHER 1 1,350 100 0
SEARS,ROEBUCK & CO Common 812387108 299 5,825 SH DEFINED 1 5,825 0 0
SEARS,ROEBUCK & CO Common 812387108 159 3,100 SH OTHER 1 3,100 0 0
SOLECTRON CORP Common 834182107 228 29,280 SH DEFINED 1 29,280 0 0
SOLECTRON CORP Common 834182107 17 2,200 SH OTHER 1 2,200 0 0
SOUTHWEST AIRLINES Common 844741108 335 17,319 SH DEFINED 1 17,319 0 0
SOUTHWEST AIRLINES Common 844741108 21 1,087 SH OTHER 1 887 200 0
ST JUDE MED INC COM Common 790849103 307 3,975 SH DEFINED 1 3,975 0 0
SUN BANCORP INC Common 866634108 481 27,150 SH DEFINED 27,150 0 0
SUNMICRO SYSTEMS Common 866810104 369 41,815 SH DEFINED 1 41,815 0 0
SUNMICRO SYSTEMS Common 866810104 61 6,900 SH OTHER 1 6,900 0 0
SUNOCO INC COM Common 86764P109 322 8,050 SH DEFINED 1 8,050 0 0
SUSQUEHANNA BANC SHS Common 869099101 1,279 52,242 SH DEFINED 1 52,242 0 0
SUSQUEHANNA BANCSHARES INC Common 869099101 2,007 82,000 SH DEFINED 82,000 0 0
TARGET CORP Common 87612E106 1,427 33,100 SH DEFINED 1 33,100 0 0
TARGET CORP Common 87612E106 225 5,225 SH OTHER 1 5,225 0 0
TEXAS INSTRUMENTS INC Common 882508104 327 9,886 SH DEFINED 1 9,886 0 0
TEXAS INSTRUMENTS INC Common 882508104 50 1,500 SH OTHER 1 1,500 0 0
THREE RIVERS BANCORP INC Common 88562Q107 1,154 85,200 SH DEFINED 85,200 0 0
TYCO INTERNATIONAL LTD Common 902124106 894 27,670 SH DEFINED 1 27,670 0 0
TYCO INTERNATIONAL LTD Common 902124106 22 675 SH OTHER 1 600 75 0
UNION PACIFIC CORP Common 907818108 221 3,550 SH DEFINED 1 3,550 0 0
UNION PACIFIC CORP Common 907818108 3 50 SH OTHER 1 0 50 0
UPSIDE DEVELOPMENT INC C Common 91673P109 1 60,000 SH DEFINED 1 60,000 0 0
VERIZON COMMUNICATIONS Common 92343V104 2,491 54,025 SH DEFINED 1 54,025 0 0
VERIZON COMMUNICATIONS Common 92343V104 1,606 34,829 SH OTHER 1 30,157 4,672 0
VIACOM INC. NEW Common 925524308 342 7,070 SH DEFINED 1 7,070 0 0
VIACOM INC. NEW Common 925524308 15 304 SH OTHER 1 304 0 0
VIRAGEN INC Common 927638106 8 10,000 SH DEFINED 1 10,000 0 0
VODAFONE GROUP PLC NEW-S Common 92857W100 81 4,390 SH DEFINED 1 4,390 0 0
VODAFONE GROUP PLC NEW-S Common 92857W100 160 8,682 SH OTHER 1 8,682 0 0
WACHOVIA CORP Common 929903102 697 18,806 SH DEFINED 1 18,806 0 0
WAL-MART STORES INC Common 931142103 1,283 20,926 SH DEFINED 1 20,926 0 0
WAL-MART STORES INC Common 931142103 77 1,250 SH OTHER 1 1,250 0 0
WELLS FARGO & CO Common 949746101 836 16,920 SH DEFINED 1 16,920 0 0
WELLS FARGO & CO Common 949746101 69 1,400 SH OTHER 1 1,400 0 0
WORLDCOM INC Common 98157D106 85 12,646 SH DEFINED 1 12,646 0 0
WORLDCOM INC Common 98157D106 8 1,250 SH OTHER 1 1,250 0 0
WYETH COM Common 983024100 752 11,459 SH DEFINED 1 10,259 0 1,200
WYETH COM Common 983024100 236 3,600 SH OTHER 1 3,600 0 0
GRAND TOTALS 153,024