<SUBMISSION>
<ACCESSION-NUMBER>0000950152-03-010521
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>3
<PERIOD>20031230
<ITEMS>5
<ITEMS>7
<FILING-DATE>20031231
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>FIRST FINANCIAL BANCORP /OH/
<CIK>0000708955
<ASSIGNED-SIC>6021
<IRS-NUMBER>311042001
<STATE-OF-INCORPORATION>OH
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>000-12379
<FILM-NUMBER>031080228
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>300 HIGH ST
<CITY>HAMILTON
<STATE>OH
<ZIP>45011
<PHONE>5138674700
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>300 HIGH ST
<CITY>HAMILTON
<STATE>OH
<ZIP>45011
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>l04845ae8vk.htm
<DESCRIPTION>FIRST FINANCIAL BANCORP          8-K
<TEXT>
<HTML>
<HEAD>
<TITLE>First Financial Bancorp          8-K</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<P align="center"><FONT size="4"><B>SECURITIES AND EXCHANGE COMMISSION</B></FONT>

<DIV align="center"><FONT size="3"><B>Washington, D.C. 20549</B>
</FONT></DIV>

<P align="center"><FONT size="5"><B>FORM 8-K</B></FONT>


<P align="center"><FONT size="2"><B>CURRENT REPORT<BR>
PURSUANT TO SECTION 13 OR 15(d) OF THE<BR>
SECURITIES EXCHANGE ACT OF 1934</B>
</FONT>


<P align="center"><FONT size="2">Date of Report: December&nbsp;30, 2003
</FONT>

<P align="center"><FONT size="6"><B>FIRST FINANCIAL BANCORP.</B></FONT>

<DIV align="center"><FONT size="2">(Exact name of registrant as specified in its charter)
</FONT>
</DIV>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">Ohio</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
0-12379
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">31-1042001</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">(State or other jurisdiction<BR>
of incorporation)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">
(Commission File<BR>
Number)
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">(IRS Employer<BR>
Identification No.)</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">300 High Street</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">Hamilton, Ohio</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">(Address of principal</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">45011</FONT></TD>
</TR>

<TR valign="bottom">
    <TD align="center" valign="top"><FONT size="2">executive offices)</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="center" valign="top"><FONT size="2">(Zip Code)</FONT></TD>
</TR>
</TABLE>
</DIV>


<P align="center"><FONT size="2">Registrant&#146;s telephone number, including area code: (513)&nbsp;867-5240
</FONT>



<P align="center"><FONT size="2">&nbsp;
</FONT>

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<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
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	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="76%"></TD>
</TR>
<TR><TD></TD><TD colspan="8"><A HREF="#000">Item&nbsp;5.Other Event and Regulation&nbsp;FD Disclosure.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#001"> Item&nbsp;7. Financial Statements and Exhibits.</A></TD></TR>
<TR><TD colspan="9"><A HREF="#002">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">Exhibit&nbsp;Index</A></TD></TR>
<TR><TD colspan="9"><A HREF="l04845aexv99w1.htm">Exhibit 99.1</A></TD></TR>
</TABLE>
</CENTER>
<!-- /TOC -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>




<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="47%"></TD>
    <TD width="5%"></TD>
    <TD width="47%"></TD>
</TR>
<TR valign="bottom">
    <TD align="left" valign="top"><FONT size="2"><B>Form&nbsp;8-K</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
<B>First Financial Bancorp</B></FONT></TD>
</TR>
</TABLE>
</DIV>

<!-- link2 "Item&nbsp;5.Other Event and Regulation&nbsp;FD Disclosure." -->
<DIV align="left"><A NAME="000"></A></DIV>

<P align="left"><FONT size="2"><B>Item&nbsp;5.</B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Other Event and Regulation&nbsp;FD Disclosure.</B>
</FONT>


<P align="left" style="margin-left:3%; margin-right:0%"><FONT size="2">On December&nbsp;30, 2003, First Financial Bancorp. issued a press
release providing an update on recently completed initiatives,
fourth quarter earnings, and the search for a new president and
chief executive officer. A copy of the press release is attached
as Exhibit&nbsp;99.1.


<P align="center"><FONT size="2">&nbsp;
</FONT>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

</FONT>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="47%"></TD>
    <TD width="5%"></TD>
    <TD width="47%"></TD>
</TR>
<TR valign="bottom">
    <TD align="left" valign="top"><FONT size="2"><B>Form&nbsp;8-K</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
<B>First Financial Bancorp</B></FONT></TD>
</TR>
</TABLE>
</DIV>

<!-- link2 " Item&nbsp;7. Financial Statements and Exhibits." -->
<DIV align="left"><A NAME="001"></A></DIV>

<P align="left"><FONT size="2"><B>Item&nbsp;7.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Financial Statements and Exhibits.</B>
</FONT>


<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="6%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="1%" nowrap align="right"><FONT size="2">(c)</FONT></TD>
    <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">Exhibits:
</FONT></TD>
</TR>
</TABLE>


<P><TABLE width="100%" border="0" cellpadding="0" cellspacing="0">
<TR valign="top">
    <TD width="9%"><FONT size="2">&nbsp;</FONT></TD>
    <TD width="1%" nowrap align="right"><FONT size="2"></FONT></TD>
    <TD width="1%"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">99.1 First Financial Bancorp. Press Release dated December&nbsp;30, 2003.
</FONT></TD>
</TR>
</TABLE>



<P align="center"><FONT size="2">&nbsp;
</FONT>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="002"></A></DIV>

<P align="center"><FONT size="2"><B>SIGNATURES</B>
</FONT>


<P align="left"><FONT size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
</FONT>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="50%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="44%">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD colspan="3" valign="top" align="left"><FONT size="2"><B>FIRST FINANCIAL BANCORP.</B><BR>
&nbsp;</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
By:
</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">/s/ C. Douglas Lefferson<BR></FONT></TD>
</TR>
<TR>
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">C. Douglas Lefferson<BR>
Senior Vice President and<BR>
Chief Financial Officer</FONT></TD>
</TR>

<TR valign="bottom">
    <TD valign="top"><FONT size="2">Date: December&nbsp;31, 2003</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">&nbsp;</FONT></TD>
</TR>
</TABLE>
</DIV>



<P align="center"><FONT size="2">&nbsp;
</FONT>

<!-- PAGEBREAK -->
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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="100%">
<TR valign="bottom">
    <TD width="47%"></TD>
    <TD width="5%"></TD>
    <TD width="47%"></TD>
</TR>
<TR valign="bottom">
    <TD align="left" valign="top"><FONT size="2"><B>Form&nbsp;8-K</B></FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="right" valign="top"><FONT size="2">
<B>First Financial Bancorp</B></FONT></TD>
</TR>
</TABLE>
</DIV>

<!-- link1 "Exhibit&nbsp;Index" -->
<DIV align="left"><A NAME="003"></A></DIV>

<P align="center"><FONT size="2"><B>Exhibit&nbsp;Index</B>
</FONT>

<DIV align="center">
<TABLE cellspacing="0" border="0" cellpadding="0" width="65%">
<TR valign="bottom">
    <TD width="8%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="87%">&nbsp;</TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><FONT size="1"><B>Exhibit No.</B></FONT></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><FONT size="1"><B>Description</B></FONT></TD>
</TR>
<TR  valign="bottom">
    <TD nowrap align="left"><HR size="1" noshade></TD>
    <TD><FONT size="1">&nbsp;</FONT></TD>
    <TD nowrap align="center"><HR size="1" noshade></TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><FONT size="2">99.1</FONT></TD>
    <TD><FONT size="2">&nbsp;</FONT></TD>
    <TD align="left" valign="top"><FONT size="2">
First Financial Bancorp. Press Release dated December&nbsp;30, 2003.</FONT></TD>
</TR>
</TABLE>
</DIV>



<P align="center"><FONT size="2">&nbsp;
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<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>l04845aexv99w1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
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<TITLE>Exhibit 99.1</TITLE>
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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<P align="right"><FONT size="2">Exhibit&nbsp;99.1
</FONT>


<P align="center"><FONT size="2"><B>news&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; news &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; news &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; news &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; news &nbsp;&nbsp;&nbsp;&nbsp;&nbsp; news</B>
</FONT>


<P align="right"><FONT size="2"><IMG src="l04845al0484500.gif" alt="(FIRST FINANCIAL BANCORP LOGO)">
</FONT>


<P align="left"><FONT size="2">December&nbsp;30, 2003
</FONT>


<P align="center"><FONT size="2"><B>First Financial Bancorp Provides Fourth-Quarter Update</B>
</FONT>

<P align="left"><FONT size="2">Bruce E. Leep, chairman of the board and interim president and chief executive
officer of First Financial Bancorp, is providing an update on recently
completed initiatives, fourth-quarter earnings, and the search for a new
president and chief executive officer.
</FONT>

<P align="left"><FONT size="2">&#147;We have successfully completed some significant strategic initiatives in the
fourth quarter,&#148; said Leep. &#147;These initiatives strengthen the company&#146;s
balance sheet and allow Bancorp to direct some additional resources to
expansion in high-growth markets.&#148;
</FONT>

<P align="left"><FONT size="2"><B>Banking Center Sold...</B>On December&nbsp;11, 2003, Heritage Community Bank, Columbus,
Indiana, completed the sale of its banking center in Sunman, Indiana, to FCN
Bank, NA, Brookville, Indiana. Approximately $39.7&nbsp;million in deposits and
$17.5&nbsp;million in loans were sold in addition to the facility and other selected
assets. As a result of the sale, Bancorp recognized an after-tax gain of
approximately six cents per share in the fourth quarter.
</FONT>

<P align="left"><FONT size="2"><B>Loan Sale Completed...</B>During December, Bancorp also executed its previously
announced strategy to reduce non-performing assets through a loan sale.
Approximately $17.7&nbsp;million in substandard loans, primarily from the Heritage
Community Bank affiliate, were sold. Bancorp anticipates its nonperforming
assets to ending loans ratio to be between 1.15% to 1.25% at December&nbsp;31, 2003,
down from 1.34% at September&nbsp;30, 2003. The additional provision for loan loss
expense reflecting the discount associated with the sale of loans was
approximately five cents per share after tax in the fourth quarter. The
additional provision expense accounts for the


<P align="center"><FONT size="2">1
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</FONT>


<P align="right"><FONT size="2">Exhibit&nbsp;99.1
</FONT>

<P align="left"><FONT size="2">liquidity and risk
characteristics of these particular commercial and commercial real estate
loans. (Keefe, Bruyette and Woods acted as the loan-sale advisor for Bancorp
in this transaction.)
</FONT>

<P align="left"><FONT size="2"><B>Additional Loan Sale Begun...</B>In December, Bancorp began pursuing a strategy of
selling approximately $7&nbsp;million in mobile home loans in a brokered sale
expected to be completed in January of 2004. Bancorp does not expect any
additional credit loss in regard to this transaction. In anticipation of the
sale, Bancorp will writedown the remaining $1.5&nbsp;million in unamortized loan premium. The accelerated premium
amortization associated with these loans will result in approximately two
cents per share after tax additional expense in the fourth quarter of 2003.
</FONT>

<P align="left"><FONT size="2">These loans were originated through a third-party in a program that was
discontinued in November of 2001. Bancorp is selling this portfolio because it
does not fit with the company&#146;s desired risk profile due to the specialty
nature of the loans, lack of continuation as a product strategy, and greater
geographic distribution than a typical Bancorp portfolio. While the
acceleration of the premium amortization negatively impacts 2003, it will
improve 2004 and 2005 earnings by approximately one cent per share after tax
per year. (Keefe, Bruyette and Woods acted as the loan-sale advisor for
Bancorp in this transaction.)
</FONT>

<P align="left"><FONT size="2"><B>Other Item...</B>Bancorp recognized a non-recurring life insurance gain of
approximately two cents per share after tax in the fourth quarter due to the
death of a retired senior executive officer of a Bancorp affiliate.
</FONT>

<P align="left"><FONT size="2"><B>Fourth-Quarter Earnings...</B>The net result of the items previously discussed in
this release is essentially neutral to fourth-quarter earnings per share.
However, the current interest-rate environment continues to be a challenge,
resulting in a lack of desired growth in net interest income. As a result of
margin pressure, administrative expenses associated with the one-time items
discussed in this release, and Bancorp&#146;s desire to maintain reserves
appropriate to the economic conditions in its primary markets, Bancorp
anticipates fourth-quarter 2003 earnings to be 20 to 22 cents per share after
tax. Bancorp plans to release fourth-quarter and full-year earnings on January
20, 2004.
</FONT>



<P align="center"><FONT size="2">2
</FONT>

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<P align="right"><FONT size="2">Exhibit&nbsp;99.1
</FONT>

<P align="left"><FONT size="2"><B>Search Update...</B>Leep also indicated that Bancorp&#146;s search for a new president
and chief executive officer is progressing. Selection is expected to be
finalized in three to six months.
</FONT>

<P align="left"><FONT size="2">A $3.9&nbsp;billion publicly owned bank and savings and loan holding company with
over 4,000 shareholders, First Financial currently operates eight banks in
Ohio, Michigan, Kentucky, and Indiana with a total of 102 retail banking
centers. The holding company&#146;s non-banking affiliates are First Financial
Capital Advisors LLC and First Financial Bancorp Service Corporation.
Insurance services are offered through Flagstone Insurance and Financial
Services.
</FONT>

<P align="left"><FONT size="2">This release should be read in conjunction with the consolidated financial
statements, notes, and tables attached and in the First Financial Bancorp
Annual Report on Form 10-K for the year ended December&nbsp;31, 2002. Management&#146;s
analysis may contain forward-looking statements that are provided to assist in
the understanding of anticipated future financial performance. However, such
performance involves risk and uncertainties that may cause actual results to
differ materially. Factors that could cause actual results to differ from
those discussed in the forward-looking statements include, but are not limited
to, the strength of the local economies in which operations are conducted, the
effects of and changes in policies and laws of regulatory agencies, inflation,
and interest rates. For further discussion of certain factors that may cause
such forward-looking statements to differ materially from actual results, refer
to the 2002 Form 10-K.
</FONT>


<P align="right"><FONT size="2">First Financial Bancorp<BR>
300 High Street<BR>
Hamilton, OH 45011<BR>
Media Contact: Cheryl R. Lipp<BR>
(513)&nbsp;867-4929<BR>
cheryl.lipp@comfirst.com<BR>
Analyst Contact: C. Douglas Lefferson<BR>
(513)&nbsp;867-4993<BR>
doug.lefferson@ffbc-oh.com
</FONT>




<P align="center"><FONT size="2">3
</FONT>


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