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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 cdI+iHr6+Jk4DX8/nAFSzQ==

<SEC-DOCUMENT>0000950137-03-005620.txt : 20031103
<SEC-HEADER>0000950137-03-005620.hdr.sgml : 20031103
<ACCEPTANCE-DATETIME>20031103105059
ACCESSION NUMBER:		0000950137-03-005620
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20031021
ITEM INFORMATION:		Financial statements and exhibits
ITEM INFORMATION:		Regulation FD Disclosure
FILED AS OF DATE:		20031103

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST FINANCIAL CORP /IN/
		CENTRAL INDEX KEY:			0000714562
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351546989
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16759
		FILM NUMBER:		03971710

	BUSINESS ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLAZA
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807
		BUSINESS PHONE:		(812) 238-6000

	MAIL ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLAZA
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TERRE HAUTE FIRST CORP
		DATE OF NAME CHANGE:	19850808
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>c80534e8vk.txt
<DESCRIPTION>FORM 8-K
<TEXT>
<PAGE>
                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 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) October 21, 2003

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


                Indiana                      000-16759            35-1546989
      (State or other jurisdiction          (Commission         (IRS Employer
           of incorporation)                File Number)     Identification No.)

  P. O. Box 540, Terre Haute, Indiana                               47808
(Address of principal executive offices)                         (Zip Code)


Registrant's telephone number, including area code  812-238-6264




<PAGE>

ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

        (a)  Exhibits.

        Exhibit Number:

        99.1   Press Release, dated October 21, 2003 issued by First Financial
               Corporation

ITEM 9. REGULATION FD DISCLOSURE (INFORMATION PROVIDED UNDER ITEM 12 - RESULTS
OF OPERATIONS AND FINANCIAL CONDITION).

        The following information is being provided under Item 12 - Results of
        Operations and Financial Condition. It is being furnished under Item 9
        of this Form 8-K in accordance with interim guidance issued by the SEC
        in Release No. 33-8216. Such information, including the Exhibit attached
        hereto, shall not be deemed "filed" for purposes of Section 18 of the
        Securities Exchange Act of 1934.

        On October 21, 2003, First Financial Corporation issued a press release
        to report its financial results for the quarter ended September 30,
        2003. The release is furnished as Exhibit 99.1 hereto.



<PAGE>

                                   SIGNATURES

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.


                                       First Financial Corporation

Dated   October 28, 2003               /s/ Norman L. Lowery
                                       -----------------------------------------
                                       Norman L. Lowery
                                       Vice Chairman and Chief Executive
                                       Officer


Dated   October 28, 2003               /s/ Michael A. Carty
                                       -----------------------------------------
                                       Michael A. Carty
                                       Secretary/Treasurer and Chief Financial
                                       Officer

<PAGE>


                                  Exhibit Index

Exhibit Number

   99.1             Press Release, dated October 21, 2003 issued by First
                    Financial Corporation



</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>c80534exv99w1.txt
<DESCRIPTION>PRESS RELEASE
<TEXT>
<PAGE>

Exhibit 99.1

                             (COMPANY LOGO OMITTED)

                           First Financial Corporation


FOR IMMEDIATE RELEASE                         For more information contact:
October 21, 2003                              Michael A. Carty at (812) 238-6264


            FIRST FINANCIAL CORPORATION HAVING STRONG FINANCIAL YEAR


TERRE HAUTE, INDIANA - First Financial Corporation (NASDAQ: THFF) today
announced third quarter results which reflect year-to-date net income of $19.6
million, or $1.45 per share, exceeding comparable 2002 net income of $19.5
million, or $1.42 per share.

Management is pleased with these results given the current interest rate
environment and the effect it is having on the net interest income of banks in
general. Net interest income of the Corporation declined $2.7 million or 4.6%
from the third quarter of 2002. However, to mitigate the effects of low interest
rates, the Corporation has focused on another aspect of its income statement,
non-interest income, which increased $3.0 million or 15.1% during the same time
frame. The increasing influence of non-interest income has offset the effect
that declining net interest income would have otherwise had on net income.

Major contributors to the $3.0 million increase in non-interest income include
income from capitalized mortgage servicing rights, origination fees, net cash
gains on sales of low fixed-rate mortgage loans in the secondary market, loan
and deposit fees, insurance commissions and trust fees.

Comparing the third quarter of 2003 to the same period in 2002, average assets
are down $24.5 million, or 1.11%. Average loans account for $18.5 million of
this decrease due to continued refinancing and sales of fixed-rate mortgages.
Average cash and short-term investments, down $10.4 million, average deposits,
up $3.3 million, and earnings were used to reduce average bank borrowings by
$38.4 million. Average shareholders' equity increased $11.3 million, or 4.8%.
Strong financial performance increased book value per share 6.7% to $18.66 at
September 30, 2003 from $17.50 at September 30, 2002, after the effect of the
two-for-one stock split.

First Financial Corporation is the holding company for nine affiliate banks
operating in west-central Indiana and east-central Illinois.



<PAGE>
                           FIRST FINANCIAL CORPORATION

          FOR THE QUARTER AND THE NINE MONTHS ENDING SEPTEMBER 30, 2003

               (Dollar amounts in thousands except per share data)

<TABLE>
<CAPTION>
                                       09/30/03        09/30/02            CHANGE     % CHANGE
<S>                                  <C>              <C>                <C>          <C>
YEAR TO DATE INFORMATION:

Net Income                              $19,650          $19,451             $199        1.02%
Earnings Per Average Share                $1.45            $1.42            $0.03        2.11%
Return on Assets                           1.20%            1.17%            0.03%       2.56%
Return on Equity                          10.50%           10.89%           -0.39%      -3.58%
Net Interest Margin                        4.00%            4.09%           -0.09%      -2.20%
Net Interest Income                     $56,138          $58,839          ($2,701)      -4.59%
Non-Interest Income                     $22,899          $19,897           $3,002       15.09%
Non-Interest Expense                    $46,376          $46,601            ($225)      -0.48%
Loss Provision                           $6,848           $6,621             $227        3.43%
Net Charge Offs                          $5,359           $5,775            ($416)      -7.20%
Efficiency Ratio                          55.33%           55.76%           -0.43%      -0.77%


QUARTER TO DATE INFORMATION:

Net Income                               $6,443           $6,171             $272        4.41%
Earnings Per Average Share                $0.47            $0.45            $0.02        4.44%
Return on Assets                           1.18%            1.12%            0.06%       5.36%
Return on Equity                          10.28%           10.50%           -0.22%      -2.10%
Net Interest Margin                        3.96%            4.11%           -0.15%      -3.65%
Net Interest Income                     $18,531          $19,293            ($762)      -3.95%
Non-Interest Income                      $7,310           $7,439            ($129)      -1.73%
Non Interest Expense                    $15,578          $16,436            ($858)      -5.22%
Loss Provision                           $2,318           $2,273              $45        1.98%
Net Charge Offs                          $1,283           $1,610            ($327)     -20.31%
Efficiency Ratio                          56.78%           57.74%           -0.96%      -1.67%


BALANCE SHEET:

Assets                               $2,193,686       $2,160,140          $33,546        1.55%
Deposits                             $1,450,167       $1,439,463          $10,704        0.74%
Loans                                $1,437,078       $1,426,963          $10,115        0.71%
Shareholders' Equity                   $253,933         $238,768          $15,165        6.35%
Book Value Per Share                     $18.66           $17.50            $1.16        6.65%
Average Assets                        2,183,120        2,207,649         ($24,529)      -1.11%
</TABLE>






</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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