PROXY
     ANNUAL MEETING OF SHAREHOLDERS OF FIRST FINANCIAL CORPORATION

Ignatius H. Robers and Arlyn G. West, and each of them, are hereby appointed
proxies, with full power of substitution, to vote all shares of stock the
undersigned is entitled to vote at the annual meeting of shareholders of 
First Financial Corporation, to be held at the Holiday Inn, 1501 North Point 
Drive, Stevens Point, Wisconsin, on April 20, 1994 at 10:00 a.m., Local Time,
and at any adjournments thereof, as folows, hereby revoking any proxy 
heretofore given.

1. ELECTION OF FOUR DIRECTORS:
                 Robert S. Gaiswinkler, Gordon M.Haferbecker,
                 Dr. George R. Leach and John C. Seramur

[] FOR all nominees listed above
   (except as marked to the contrary)

[] WITHHOLD AUTHORITY
   to vote for all nominees listed above

(INSTRUCTION: To withhold authority to vote for any individual nominee, write
that nominee's name on the space provided below).




THIS PROXY WILL BE VOTED AS DIRECTED, OR IF NO CHOICE IS INDICATED, WILL
BE VOTED FOR ITEM 1.

2. AMENDMENT OF ARTICLES OF INCORPORATION:
To amend Article 4 to increase the number of authorized shares of
common stock from 30,000,000 to 75,000,000.

[] FOR            [] AGAINST              [] WITHHOLD AUTHORITY

3. In their discretion on such other matters as may properly come before
the meeting, all set out in the Notice and Proxy Statement relating to
the meeting, receipt of which are hereby acknowledged.

                                      Dated:______________________, 19____
                                      ____________________________________
                                      ____________________________________
                                     (Please sign exactly as name appears 
                                      hereon. If stock is owned by more than 
                                      one person, all owners should sign. If 
                                      signing as attorney, administrator, 
                                      executor, guardian or trustee, please 
                                      indicate such capacity. A proxy given by 
                                      a corporation should be signed by an 
                                      authorized officer.)
 

        THIS PROXY IS SOLICITED BY THE BOARD OF DIRECTORS OF THIS CORPORATION