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, 2010

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:   Teresa M. Ciambotti
Title:  Senior Vice President and Controller
Phone:  (724) 463-4725

Signature, Place, and Date of Signing:

/s/ Teresa M. Ciambotti
Teresa M. Ciambotti,      Indiana, PA,               November 15, 2010

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: 174

Form 13F Information Table Value Total: $74,341 (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: First Commonwealth Bank




                                                                               
                                             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    286     3,300  SH        DEFINED       1        2,250         1,050
3M CO                         COMMON 88579Y101    697     8,035  SH        OTHER         1        8,035
ABBOTT LABS                   COMMON 002824100    890    17,043  SH        DEFINED       1       15,347         1,696
ABBOTT LABS                   COMMON 002824100     59     1,138  SH        OTHER         1        1,138
ADOBE SYS INC                 COMMON 00724F101    373    14,260  SH        DEFINED       1       14,260
ADOBE SYS INC                 COMMON 00724F101     16       601  SH        OTHER         1          601
AIR PRODS & CHEMS INC         COMMON 009158106    539     6,514  SH        DEFINED       1        6,514
AIR PRODS & CHEMS INC         COMMON 009158106     41       497  SH        OTHER         1          497
ALLSTATE CORP                 COMMON 020002101     74     2,350  SH        DEFINED       1        2,350
ALLSTATE CORP                 COMMON 020002101    206     6,529  SH        OTHER         1        6,529
ALTRIA GROUP INC              COMMON 02209S103    135     5,641  SH        DEFINED       1        5,538           103
ALTRIA GROUP INC              COMMON 02209S103    663    27,615  SH        OTHER         1       27,615
APACHE CORP                   COMMON 037411105    683     6,983  SH        DEFINED       1        6,983
APACHE CORP                   COMMON 037411105    104     1,059  SH        OTHER         1          535     524
APPLE INC                     COMMON 037833100  1,206     4,249  SH        DEFINED       1        4,228            21
APPLE INC                     COMMON 037833100     50       175  SH        OTHER         1          175
AT&T INC                      COMMON 00206R102  1,403    49,048  SH        DEFINED       1       46,506         2,542
AT&T INC                      COMMON 00206R102    239     8,374  SH        OTHER         1        8,069     300     5
AUTODESK INC                  COMMON 052769106    347    10,842  SH        DEFINED       1       10,842
AUTODESK INC                  COMMON 052769106     22       701  SH        OTHER         1          701
BANK OF AMERICA CORPORATION   COMMON 060505104    175    13,358  SH        DEFINED       1        6,752         6,606
BANK OF AMERICA CORPORATION   COMMON 060505104     53     4,033  SH        OTHER         1        4,033
BANK OF NEW YORK MELLON CORP  COMMON 064058100    305    11,666  SH        DEFINED       1        9,066         2,600
BANK OF NEW YORK MELLON CORP  COMMON 064058100     74     2,822  SH        OTHER         1        1,372     400 1,050
BECTON DICKINSON & CO         COMMON 075887109    663     8,944  SH        DEFINED       1        8,656           288
BECTON DICKINSON & CO         COMMON 075887109     72       969  SH        OTHER         1          969
BOEING CO                     COMMON 097023105    388     5,835  SH        DEFINED       1        5,835
BOEING CO                     COMMON 097023105     76     1,136  SH        OTHER         1        1,136
BP PLC                        COMMON 055622104    223     5,425  SH        DEFINED       1        5,425
BP PLC                        COMMON 055622104    245     5,963  SH        OTHER         1        5,963
CATERPILLAR INC DEL           COMMON 149123101    906    11,519  SH        DEFINED       1       11,519
CATERPILLAR INC DEL           COMMON 149123101     83     1,050  SH        OTHER         1        1,050
CHEVRON CORP NEW              COMMON 166764100  1,127    13,903  SH        DEFINED       1       11,582         2,321
CHEVRON CORP NEW              COMMON 166764100    351     4,327  SH        OTHER         1        3,977           350
CHUBB CORP                    COMMON 171232101    249     4,373  SH        DEFINED       1        4,373
CISCO SYS INC                 COMMON 17275R102    888    40,548  SH        DEFINED       1       35,785         4,763
CISCO SYS INC                 COMMON 17275R102     87     3,984  SH        OTHER         1        3,984
CITIGROUP INC                 COMMON 172967101    145    37,106  SH        DEFINED       1       37,106
CITIGROUP INC                 COMMON 172967101      4     1,064  SH        OTHER         1          950     114
CNB FINL CORP PA              COMMON 126128107    395    28,700  SH        DEFINED       1       28,700
COCA COLA CO                  COMMON 191216100    557     9,522  SH        DEFINED       1        9,473            49
COCA COLA CO                  COMMON 191216100     56       956  SH        OTHER         1          956
CONOCOPHILLIPS                COMMON 20825C104    683    11,891  SH        DEFINED       1        9,793         2,098
CONOCOPHILLIPS                COMMON 20825C104     21       369  SH        OTHER         1          369
CUMMINS INC                   COMMON 231021106    453     5,000  SH        DEFINED       1        5,000
CUMMINS INC                   COMMON 231021106      9       100  SH        OTHER         1          100
CVS CAREMARK CORPORATION      COMMON 126650100    539    17,143  SH        DEFINED       1       17,143
CVS CAREMARK CORPORATION      COMMON 126650100     34     1,087  SH        OTHER         1        1,087
DISNEY WALT CO                COMMON 254687106    251     7,593  SH        DEFINED       1        4,614         2,979
DISNEY WALT CO                COMMON 254687106     26       800  SH        OTHER         1          800
DOMINION RES INC VA NEW       COMMON 25746U109    711    16,295  SH        DEFINED       1       15,643           652
DOMINION RES INC VA NEW       COMMON 25746U109    153     3,511  SH        OTHER         1        3,511
DU PONT E I DE NEMOURS & CO   COMMON 263534109    293     6,560  SH        DEFINED       1        6,560
DU PONT E I DE NEMOURS & CO   COMMON 263534109     46     1,042  SH        OTHER         1          742     300
EMBRYO DEV CORP               COMMON 290818103     --    15,000  SH        DEFINED       1       15,000
EMERSON ELEC CO               COMMON 291011104     67     1,269  SH        DEFINED       1          219         1,050
EMERSON ELEC CO               COMMON 291011104    848    16,110  SH        OTHER         1       16,110
ENTERPRISE PRODS PARTNERS L   COMMON 293792107    273     6,894  SH        DEFINED       1        6,894
EXXON MOBIL CORP              COMMON 30231G102  2,479    40,125  SH        DEFINED       1       40,125
EXXON MOBIL CORP              COMMON 30231G102  1,520    24,595  SH        OTHER         1        7,658  16,937
FEDEX CORP                    COMMON 31428X106    385     4,508  SH        DEFINED       1        4,508
FEDEX CORP                    COMMON 31428X106     24       283  SH        OTHER         1          283
FIRST COMWLTH FINL CORP PA    COMMON 319829107  4,037   740,803  SH        DEFINED       1      740,803
FIRST COMWLTH FINL CORP PA    COMMON 319829107     75    13,763  SH        OTHER         1        5,676   8,087
FREEPORT-MCMORAN COPPER & GO  COMMON 35671D857    338     3,955  SH        DEFINED       1        3,955
FREEPORT-MCMORAN COPPER & GO  COMMON 35671D857      2        24  SH        OTHER         1           24
GATEWAY BANK OF PENNSYLVANIA  COMMON 869099101     46     5,000  SH        DEFINED                5,000      --    --
GENERAL ELECTRIC CO           COMMON 369604103  1,075    66,147  SH        DEFINED       1       61,337         4,810
GENERAL ELECTRIC CO           COMMON 369604103  1,717   105,646  SH        OTHER         1      104,491   1,155
GENERAL MLS INC               COMMON 370334104    750    20,512  SH        DEFINED       1       20,512
GENERAL MLS INC               COMMON 370334104     48     1,310  SH        OTHER         1        1,310
GENUINE PARTS CO              COMMON 372460105    724    16,231  SH        DEFINED       1       16,231
GENUINE PARTS CO              COMMON 372460105     20       445  SH        OTHER         1          445
GOLDMAN SACHS GROUP INC       COMMON 38141G104    453     3,130  SH        DEFINED       1        3,130
GOLDMAN SACHS GROUP INC       COMMON 38141G104     39       273  SH        OTHER         1          273
GOOGLE INC                    COMMON 38259P508    771     1,467  SH        DEFINED       1        1,267           200
GOOGLE INC                    COMMON 38259P508     14        27  SH        OTHER         1           27
HEINZ H J CO                  COMMON 423074103    495    10,459  SH        DEFINED       1       10,375            84






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
------                       ------ --------- -------- -------- --- ---- ---------- -------- --------- ------ -----
                                                                             
HEINZ H J CO                 COMMON 423074103     40       838  SH       OTHER         1          838
HELMERICH & PAYNE INC        COMMON 423452101    369     9,127  SH       DEFINED       1        9,127
HELMERICH & PAYNE INC        COMMON 423452101     20       496  SH       OTHER         1          496
HUMANA INC                   COMMON 444859102    380     7,564  SH       DEFINED       1        7,499            65
HUMANA INC                   COMMON 444859102     25       500  SH       OTHER         1          500
INGERSOLL-RAND PLC           COMMON G47791101    214     6,000  SH       OTHER         1        6,000
INTEL CORP                   COMMON 458140100    566    29,466  SH       DEFINED       1       23,836         5,630
INTEL CORP                   COMMON 458140100    101     5,262  SH       OTHER         1        5,262
INTERNATIONAL BUSINESS MACHS COMMON 459200101  1,616    12,045  SH       DEFINED       1       11,813           232
INTERNATIONAL BUSINESS MACHS COMMON 459200101  1,779    13,260  SH       OTHER         1       13,160    100
JACOBS ENGR GROUP INC DEL    COMMON 469814107    483    12,471  SH       DEFINED       1       12,471
JACOBS ENGR GROUP INC DEL    COMMON 469814107     25       643  SH       OTHER         1          643
JOHNSON & JOHNSON            COMMON 478160104  1,104    17,822  SH       DEFINED       1       17,318           504
JOHNSON & JOHNSON            COMMON 478160104    459     7,411  SH       OTHER         1        7,411
JPMORGAN CHASE & CO          COMMON 46625H100    855    22,475  SH       DEFINED       1       20,595         1,880
JPMORGAN CHASE & CO          COMMON 46625H100     62     1,638  SH       OTHER         1        1,638
KRAFT FOODS INC              COMMON 50075N104     44     1,423  SH       DEFINED       1        1,307           116
KRAFT FOODS INC              COMMON 50075N104    590    19,108  SH       OTHER         1       19,108
LOWES COS INC                COMMON 548661107    209     9,397  SH       DEFINED       1        9,397
LOWES COS INC                COMMON 548661107     34     1,533  SH       OTHER         1          933    600
MCDONALDS CORP               COMMON 580135101  1,059    14,208  SH       DEFINED       1       13,813           395
MCDONALDS CORP               COMMON 580135101     78     1,053  SH       OTHER         1        1,053
MERCK & CO INC NEW           COMMON 58933Y105     98     2,660  SH       DEFINED       1        2,660
MERCK & CO INC NEW           COMMON 58933Y105    836    22,710  SH       OTHER         1       22,310           400
METLIFE INC                  COMMON 59156R108    416    10,831  SH       DEFINED       1       10,831
METLIFE INC                  COMMON 59156R108      7       188  SH       OTHER         1          188
MICROSOFT CORP               COMMON 594918104  1,027    41,933  SH       DEFINED       1       36,346         5,587
MICROSOFT CORP               COMMON 594918104     48     1,950  SH       OTHER         1        1,950
MONSANTO CO NEW              COMMON 61166W101    323     6,739  SH       DEFINED       1        6,009           730
MONSANTO CO NEW              COMMON 61166W101     12       259  SH       OTHER         1          259
ORACLE CORP                  COMMON 68389X105    905    33,692  SH       DEFINED       1       33,692
ORACLE CORP                  COMMON 68389X105     72     2,689  SH       OTHER         1        2,689
PARKER HANNIFIN CORP         COMMON 701094104    561     8,009  SH       DEFINED       1        8,009
PARKER HANNIFIN CORP         COMMON 701094104     45       646  SH       OTHER         1          646
PARKVALE FINANCIAL CORP      COMMON 701492100    684   111,263  SH       DEFINED              111,263     --     --
PEPSICO INC                  COMMON 713448108    794    11,951  SH       DEFINED       1       11,526           425
PEPSICO INC                  COMMON 713448108  1,011    15,222  SH       OTHER         1       15,222
PETSMART INC                 COMMON 716768106    725    20,728  SH       DEFINED       1       18,388         2,340
PETSMART INC                 COMMON 716768106     30       862  SH       OTHER         1          862
PFIZER INC                   COMMON 717081103    286    16,684  SH       DEFINED       1       16,684
PFIZER INC                   COMMON 717081103    206    12,021  SH       OTHER         1       12,021
PHILIP MORRIS INTL INC       COMMON 718172109  1,052    18,787  SH       DEFINED       1       17,507         1,280
PHILIP MORRIS INTL INC       COMMON 718172109  1,330    23,748  SH       OTHER         1       23,748
PNC FINL SVCS GROUP INC      COMMON 693475105    325     6,258  SH       DEFINED       1        6,258
PNC FINL SVCS GROUP INC      COMMON 693475105     93     1,800  SH       OTHER         1        1,800
PPG INDS INC                 COMMON 693506107    211     2,904  SH       DEFINED       1        2,904
PPG INDS INC                 COMMON 693506107  1,285    17,654  SH       OTHER         1       15,154  2,500
PRECISION CASTPARTS CORP     COMMON 740189105    621     4,879  SH       DEFINED       1        4,879
PRECISION CASTPARTS CORP     COMMON 740189105     38       300  SH       OTHER         1          300
PRICE T ROWE GROUP INC       COMMON 74144T108    666    13,302  SH       DEFINED       1       12,863           439
PRICE T ROWE GROUP INC       COMMON 74144T108     74     1,473  SH       OTHER         1        1,473
PROCTER & GAMBLE CO          COMMON 742718109  1,050    17,508  SH       DEFINED       1       17,006           502
PROCTER & GAMBLE CO          COMMON 742718109  2,160    36,023  SH       OTHER         1       36,023
PRUDENTIAL FINL INC          COMMON 744320102    209     3,855  SH       DEFINED       1        3,855
PRUDENTIAL FINL INC          COMMON 744320102     14       251  SH       OTHER         1          251
PUBLIC SVC ENTERPRISE GROUP  COMMON 744573106    111     3,357  SH       DEFINED       1          287         3,070
PUBLIC SVC ENTERPRISE GROUP  COMMON 744573106    280     8,460  SH       OTHER         1        8,460
QUALCOMM INC                 COMMON 747525103    405     8,967  SH       DEFINED       1        8,967
QUALCOMM INC                 COMMON 747525103     13       277  SH       OTHER         1          277
ROCKWELL AUTOMATION INC      COMMON 773903109    322     5,212  SH       DEFINED       1        5,212
ROCKWELL AUTOMATION INC      COMMON 773903109     85     1,370  SH       OTHER         1        1,370
ROCKWELL COLLINS INC         COMMON 774341101    272     4,669  SH       DEFINED       1        4,669
ROCKWELL COLLINS INC         COMMON 774341101     92     1,580  SH       OTHER         1        1,580
S & T BANCORP INC            COMMON 783859101    741    42,556  SH       DEFINED       1       42,556
S & T BANCORP INC            COMMON 783859101     26     1,464  SH       OTHER         1        1,464
STATE STR CORP               COMMON 857477103    429    11,395  SH       DEFINED       1       11,395
STATE STR CORP               COMMON 857477103     15       394  SH       OTHER         1          394
TARGET CORP                  COMMON 87612E110    801    14,996  SH       DEFINED       1       14,996
TARGET CORP                  COMMON 87612E110     81     1,516  SH       OTHER         1        1,516
TEVA PHARMACEUTICAL INDS LTD COMMON 881624209    791    15,004  SH       DEFINED       1       14,953            51
TEVA PHARMACEUTICAL INDS LTD COMMON 881624209     38       714  SH       OTHER         1          514    200
TEXAS INSTRS INC             COMMON 882508104    458    16,882  SH       DEFINED       1       14,582         2,300
TEXAS INSTRS INC             COMMON 882508104     43     1,567  SH       OTHER         1        1,567
THERMO FISHER SCIENTIFIC INC COMMON 883556102    579    12,099  SH       DEFINED       1       12,099
THERMO FISHER SCIENTIFIC INC COMMON 883556102     29       608  SH       OTHER         1          608
TIME WARNER CABLE INC        COMMON 88732J207    648    11,997  SH       DEFINED       1       11,997
TIME WARNER CABLE INC        COMMON 88732J207     25       465  SH       OTHER         1          465
TRANSOCEAN LTD               COMMON H8817H100    283     4,400  SH       DEFINED       1        3,192         1,208
TRANSOCEAN LTD               COMMON H8817H100     19       295  SH       OTHER         1          295
TRISTATE CAPITAL BANK        COMMON 99R733108    400    50,000  SH       DEFINED               50,000     --     --
US BANCORP DEL               COMMON 902973304    253    11,684  SH       DEFINED       1       11,684
US BANCORP DEL               COMMON 902973304     16       733  SH       OTHER         1          733
VERIZON COMMUNICATIONS INC   COMMON 92343V104  1,255    38,510  SH       DEFINED       1       38,391           119
VERIZON COMMUNICATIONS INC   COMMON 92343V104    689    21,144  SH       OTHER         1       17,300  3,844
VISA INC                     COMMON 92826C839    456     6,147  SH       DEFINED       1        6,147
VISA INC                     COMMON 92826C839     19       257  SH       OTHER         1          257
VIST FINANCIAL CORP          COMMON 524477106    100    14,066  SH       DEFINED               14,066     --     --
VIST FINANCIAL CORP          COMMON 918255100     75    10,655  SH       DEFINED       1       10,655






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
------                    ------ --------- -------- --------- --- ---- ---------- -------- --------- ------ -----
                                                                           
WAL MART STORES INC       COMMON 931142103     717     13,403 SH       DEFINED       1      11,347          2,056
WAL MART STORES INC       COMMON 931142103      38        704 SH       OTHER         1         704
WELLS FARGO & CO NEW      COMMON 949746101     607     24,154 SH       DEFINED       1      24,154
WELLS FARGO & CO NEW      COMMON 949746101     100      3,995 SH       OTHER         1       3,995
XCEL ENERGY INC           COMMON 98389B100     588     25,581 SH       DEFINED       1      25,581
XCEL ENERGY INC           COMMON 98389B100      42      1,817 SH       OTHER         1       1,817
ZIMMER HLDGS INC          COMMON 98956P102     479      9,157 SH       DEFINED       1       8,067          1,090
ZIMMER HLDGS INC          COMMON 98956P102      21        400 SH       OTHER         1         300    100
GRAND TOTALS                                74,341  2,627,694