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