1. Name and Address of Reporting Person
Moriarty, Brian D.
183 Compton Road
Cincinnati, OH 45215
2. Issuer Name and Ticker or Trading Symbol
First Financial Bancorp (FFBC)
3. IRS or Social Security Number of Reporting Person (Voluntary)
155-32-9848
4. Statement for Month/Day/Year
02/25/2003
5. If Amendment, Date of Original (Month/Day/Year)
6. Relationship of Reporting Person(s) to Issuer (Check all applicable)
( ) Director ( ) 10% Owner
(X) Officer (give title below) ( ) Other (specify below)
Executive Officer
7. Individual or Joint/Group Filing (Check Applicable Line)
(X) Form filed by One Reporting Person
( ) Form filed by More than One Reporting Person
TABLE I -- Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
+------------------------------+----------+----------+---------+--------------------------+--------------+-----------+------------+
|1. Title of Security |2. Trans- |2A.Execu- |3. Trans-|4. Securities Acquired (A)|5. Amount of |6. Owner- |7. Nature |
| | action | action | action| or Disposed of (D) |Securities | ship | of In- |
| | Date | Date | Code | |Beneficially | Form: | direct |
| | | | | |Owned | Direct | Bene- |
| | (Month/ | (Month/ | | |Following | (D) or | ficial |
| | Day/ | Day/ +-----+---+-----------+---+----------+Reported | Indirect| Owner- |
| | Year) | Year) |Code |V |Amount |A/D|Price |Transaction(s)| (I) | ship |
+------------------------------+----------+----------+-----+---+-----------+---+----------+--------------+-----------+------------+
Common Stock 02/25/2003 M 437 A $11.3019 D
Common Stock 02/25/2003 M 2795 A $11.1355 D
Common Stock 02/25/2003 F -2261 D $15.9400 27577 D
Common Stock 02/25/2003 J -3376.5224 D $0.0000 110.4776 I 401-K
Common Stock 10667 I Restricted
Award
TABLE II -- Derivative Securities Acquired, Disposed of, or Beneficially Owned
+----------+--------+-------+-------+---------+-----------+---------------------+----------------+----------+-------+-------+------+
|1. |2. |3. |3A. |4. |5. |6. |7. |8. |9. |10. |11. |
| | | | | | | | | |Number |Owner- | |
| | | | | | | | | |of |ship | |
| | | | | | | | | |Deriv- |Form of| |
| | | | | | | |Title and Amount| |ative |Deriv- | |
| | | | | | | |of Underlying | |Secur- |ative |Nature|
| |Conver- |Trans- |Execu- | |Number of | |Securities | |ities |Secur- |of |
| |sion or |action |tion | |Derivative |Date Exercisable +-------+--------+ |Benefi-|ity: |In- |
| |Exercise|Date |Date | |Securities |and Expiration Date | |Amount | |cially |Direct |direct|
| |Price of| | |Transac- |Acquired(A)|(Month/Day/Year) | |or | |Owned |(D) or |Bene- |
|Title of |Deriv- |(Month/|(Month/|tion Code|Disposed(D)+----------+----------+ |Number |Price of | |In- |ficial|
|Derivative|ative | Day/ | Day/ +------+--+-----+-----+Date Exer-|Expira- | |of |Derivative| |direct |Owner-|
|Security |Security|Year) |Year) |Code |V |(A) |(D) |cisable |tion Date |Title |Shares |Security | |(I) |ship |
+----------+--------+-------+-------+------+--+-----+-----+----------+----------+-------+--------+----------+-------+-------+------+
1996 (ISO) $11.3019 02/25/2 M 437 01/24/1997 01/24/2006 Common 437 $11.3019 0 D
Stock 003 Stock
Option
1997 (ISO) $11.1355 02/25/2 M 2795 01/28/1998 01/28/2007 Common 2795 $11.1355 0 D
Stock 003 Stock
Option
1998 (ISO) $19.087 01/28/2008 Common 5238 D
Stock Stock
Option
1998 (NQ) $19.087 01/27/2008 Common 7468 D
Stock Stock
Option
1999 (ISO) $22.565 01/25/2009 Common 4201 D
Stock Stock
Option
1999 (NQ) $22.565 01/25/2009 Common 9659 D
Stock Stock
Option
2000 (ISO) $17.56 01/24/2010 Common 5694 D
Stock Stock
Option
2000 (NQ) $17.56 01/24/2010 Common 10791 D
Stock Stock
Option
2001 (ISO) $16.0124 01/23/2011 Common 6244 D
Stock Stock
Option
2001 (NQ) $16.0124 01/23/2011 Common 4256 D
Stock Stock
Option
2002 (ISO) $17.2 01/17/2012 Common 5813 D
Stock Stock
Option
2002 (NQ) $17.2 01/17/2012 Common 4187 D
Stock Stock
Option
Explanation of Responses:
Annual Updated per 12/31/02 Plan Statement
SIGNATURE OF REPORTING PERSON
/s/ Terri J. Ziepfel
DATE
02/27/2003