OUR MISSION THE MISSION OF FIRST COMMONWEALTH FINANCIAL CORPORATION IS TO MAXIMIZE THE LONG-TERM TOTAL RETURN TO SHAREHOLDERS. Receive and Deliver Department P.O. Box 11002  Church Street Station  New York, NY 10286 Subject to the approval of the Board of Directors, quarterly cash dividends are paid on or about the 15th day of January, April, July and October. First Commonwealth Financial Corporation's Dividend Reinvestment Plan offers shareholders an opportunity to reinvest their dividends in additional shares of the Corpora- tion's common stock. Once enrolled in the plan, participants  may also purchase shares through voluntary cash invest- ments. For more information on the plan, please call The  Bank of New York, Plan Administrator, at 1-800-524-4458. For shareholders who do not participate in the Dividend Reinvestment Plan, Automated Direct Dividend Deposit  Service is available for direct deposit of quarterly dividend  payments to a checking or savings account. To enroll, please  call The Bank of New York at 1-800-524-4458 for an Authorization Form (completed forms must be received by  the Bank 30 days prior to dividend payment date). A copy of the Form 10K as filed with the Securities and  Exchange Commission will be provided to any shareholder  on request to the Corporation, to the attention of the Corporate Secretary. Requests for information or assistance regarding the corporation should be directed to the Corporation, to the attention of Shareholder Relations, 1-800-331-4107. Form 10K and other corporate filings to the Securities and  Exchange Commission are available on the Corporation’s  website at www.fcbanking.com under “Investor Relations”.  The “Investor Relations” section of the website also includes  additional information of interest to shareholders such as:  press releases, historical stock prices, dividend declarations  and corporate governance information, including the Corporation’s “Code of Ethics”. http://www.stockbny.com First Commonwealth is committed to building shareholder  value. It is our mission, our highest priority. Value is  delivered through a combination of total return (dividend  yields plus market price appreciation), market liquidity  (the ease of buying or selling First Commonwealth shares),  and shareholder services. This section of our annual report  summarizes the many services that are made available to  our shareholders. The Annual Meeting of Shareholders will be held at: First Commonwealth Place 654 Philadelphia St., Indiana, PA On Monday, April 19, 2004 at 3:00 PM. First Commonwealth Financial Corporation common  stock is listed on The New York Stock Exchange and is  traded under the symbol FCF. Current market prices for  First Commonwealth Financial Corporation common  stock can be obtained from your local stock broker or by  calling the Corporation at (724) 349-7220 (in Indiana,  PA) or 1-800-331-4107 (outside Indiana, PA). Telephone Inquiries: 1-800-524-4458  1-610-382-7833 (outside the U.S.)  1-888-269-5221 (Hearing Impaired—TDD Phone) Shareholder Relations Department  P.O. Box 11258  Church Street Station New York, NY 10286 Shareowners@bankofny.com 60 The Bank of New York's Stock Transfer Website:  Additional Investor/Shareholder Information E-Mail Address:  Investor/Shareholder Inquiries Address Shareholder Inquiries To: Form 10K The Bank of New York Transfer Agent Common Stock  Annual Meeting Dividend Reinvestment  Dividend Payments Send Certificates For Transfers and Address Changes To: Shareholder Value