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<SEC-DOCUMENT>0000950124-96-001719.txt : 19960424
<SEC-HEADER>0000950124-96-001719.hdr.sgml : 19960424
ACCESSION NUMBER:		0000950124-96-001719
CONFORMED SUBMISSION TYPE:	10-K405/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	19951231
FILED AS OF DATE:		19960423
SROS:			NONE

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:		10-K405/A
		SEC ACT:		
		SEC FILE NUMBER:	000-16759
		FILM NUMBER:		96549448

	BUSINESS ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLZ
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807
		BUSINESS PHONE:		8122386000

	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>10-K405/A
<SEQUENCE>1
<DESCRIPTION>FORM 10-K
<TEXT>

<PAGE>   1
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                FORM 10-K405/A

                ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D)
                    OF THE SECURITIES EXCHANGE ACT OF 1934


 For the Fiscal Year Ended                               Commission file number
   December 31, 1995                                             0-16759


                          FIRST FINANCIAL CORPORATION
             (Exact name of registrant as specified in its charter)


             INDIANA                               35-1546989
     (State of Incorporation)        (I.R.S. Employer Identification No.)


      One First Financial Plaza                            
           Terre Haute, IN                           47807
(Address of principal executive offices)           (Zip Code)

                 Registrant's telephone number: (812) 238-6000

          Securities registered pursuant to Section 12(b) of the Act:

     TITLE OF EACH CLASS         NAME OF EACH EXCHANGE ON WHICH REGISTERED
     -------------------         -----------------------------------------
  Common Stock, no par value                       Nasdaq

        Securities registered pursuant to Section 12(g) of the Act: None

     Indicate by check mark whether the registrant (1) has filed all reports
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of
1934 during the preceding 12 months, and (2) has been subject to such filing
requirements for the past 90 days.  Yes __X__  No _____

     Indicate by check mark if disclosure of delinquent filers pursuant to item
405 of regulation 8-K is not contained herein, and will not be contained, to
the of Registrant's knowledge, in definitive proxy or information statements
incorporated by reference in Part III of the Form 10-K or any amendment to the
form 10-K. __X__

     As of January 31, 1996 the aggregate market value of the voting stock held
by nonaffiliates of the registrant based on the average bid and ask prices of
such stock was $139,251,864.  (For purposes of this calculation, the
Corporation excluded the stock owned by certain beneficial owners and
management and the Corporation's ESOP.)

     Shares of Common Stock outstanding as of January 31, 1996--5,753,304
shares.

                      DOCUMENTS INCORPORATED BY REFERENCE

     Portions of the 1995 Annual Report to Shareholders are incorporated by
reference. Portions of the Definitive Proxy Statement for the First Financial
Corporation Annual Meeting to be held April 17, 1996 are incorporated by
reference into Part III.

<PAGE>   2

                                    PART IV

ITEM 14. EXHIBITS, FINANCIAL STATEMENTS SCHEDULES AND REPORTS ON FORM 8-K

  (a)(1)  The following consolidated financial statements of the Registrant
          and its subsidiaries are included in the Annual Report of First
          Financial Corporation attached:
  
          Consolidated Statements of Condition--December 31, 1995 and 1994
  
          Consolidated Statements of Income--Years ended December 31,
          1995, 1994, and 1993
  
          Consolidated Statements of Shareholders' Equity--Years ended
          December 31, 1995, 1994, 1993 and 1992
  
          Consolidated Statements of Cash Flow--Years ended December 31,
          1995, 1994 and 1993
  
          Notes to Consolidated Financial Statements

     (2)  Schedules to the Consolidated Financial Statements required by Article
          9 of Regulation S-X are not required, inapplicable, or the required
          information has been disclosed elsewhere.

     (3)  Listing of Exhibits:

                Exhibit Number       Description
                --------------       ------------
                     21              Subsidiaries
                     27              Financial Data Schedule


  (b)     Reports on Forms 8-K--None

  (c)     Exhibits--Exhibits to (a)(3) listed above are attached to this
          report.

  (d)     Financial Statements Schedules--No schedules are required to be
          submitted. See response to ITEM 14 (a)(2).


                                   SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange
Act of 1934, the registrant has duly caused this report to be signed on its
behalf by the undersigned, thereunto duly authorized.

                                   First Financial Corporation



                                   Michael A. Carty, signed
                                   -------------------------------
                                   Michael A. Carty, Treasurer
                                   (Principal Financial Officer
                                   and Principal Accounting Officer)

                                   Date: April 22, 1996


                                      4
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-27
<SEQUENCE>2
<DESCRIPTION>FINANCIAL DATA SCHEDULE
<TEXT>

<TABLE> <S> <C>

<ARTICLE> 9
<RESTATED> 
<MULTIPLIER> 1000
       
<S>                             <C>
<PERIOD-TYPE>                   YEAR
<FISCAL-YEAR-END>                          DEC-31-1995
<PERIOD-START>                             JAN-01-1995
<PERIOD-END>                               DEC-31-1995
<CASH>                                          62,747
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    515,409
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        823,667
<ALLOWANCE>                                     10,087
<TOTAL-ASSETS>                               1,443,625
<DEPOSITS>                                   1,073,548
<SHORT-TERM>                                   167,946
<LIABILITIES-OTHER>                             15,352
<LONG-TERM>                                     56,721
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           727
<OTHER-SE>                                     129,331
<TOTAL-LIABILITIES-AND-EQUITY>                 130,058
<INTEREST-LOAN>                                 72,147
<INTEREST-INVEST>                               26,400
<INTEREST-OTHER>                                   730
<INTEREST-TOTAL>                                99,277
<INTEREST-DEPOSIT>                              42,524
<INTEREST-EXPENSE>                              50,647
<INTEREST-INCOME-NET>                           48,630
<LOAN-LOSSES>                                    2,263
<SECURITIES-GAINS>                                  75
<EXPENSE-OTHER>                                 35,592
<INCOME-PRETAX>                                 18,064
<INCOME-PRE-EXTRAORDINARY>                      18,064
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                    18,064
<EPS-PRIMARY>                                     2.30
<EPS-DILUTED>                                     2.30
<YIELD-ACTUAL>                                    4.22
<LOANS-NON>                                      2,782
<LOANS-PAST>                                     5,809
<LOANS-TROUBLED>                                   185
<LOANS-PROBLEM>                                  1,800
<ALLOWANCE-OPEN>                                 9,649
<CHARGE-OFFS>                                    3,101
<RECOVERIES>                                     1,276
<ALLOWANCE-CLOSE>                               10,087
<ALLOWANCE-DOMESTIC>                            10,087
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                              0
        

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