SECURITIES AND EXCHANGE COMMISSION

UNITED STATES
 SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549


FORM 8-K

CURRENT REPORT

Pursuant to Section 13 OR 15(d) of the Securities Exchange Act of 1934



Date of Report (Date of earliest event reported): July 22, 2004  


          First Commonwealth Financial Corporation            
(Exact name of registrant as specified in its charter)




   Pennsylvania   

 

    0-11242    

 

     25-1428528      

(State or other jurisdiction
of incorporation)

 

(Commission
File Number)

 

(IRS Employer
Identification Number)

 

 

 

 

        22 N. Sixth Street, Indiana, PA         

 

     15701     

(Address of Principal Executive Offices)

 

(Zip Code)

 



Registrant's telephone number, including area code:  (724) 349-7220   

Item 7.  FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION AND EXHIBITS


(c)

Exhibits

 


Exhibit 99.1 First Commonwealth Financial Corporation Press Release

dated July 22, 2004



Item 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION

On July 22, 2004, First Commonwealth Financial Corporation issued a press release announcing its earnings for the three and six month periods ended June 30, 2004.  The press release also announced the Corporation's intent to restructure FHLB advances.  A copy of this press release and the related earnings tables are furnished herein as exhibit 99.1. 




Dated:  July 22, 2004

                             FIRST COMMONWEALTH FINANCIAL CORPORATION



                             By:  /S/JOHN J. DOLAN              
                                  John J. Dolan
                                  Executive Vice President and
                                  Chief Financial Officer