AmeriServ Financial, Inc. is a bank holding company owns all of the outstanding shares of AmeriServ Financial Bank (the Bank). The Company�s other wholly owned subsidiaries include AmeriServ Trust and Financial Services Company (the Trust Company) and AmeriServ Life Insurance Company (AmeriServ Life). The Company�s principal activities consist of owning and operating its three wholly owned subsidiary entities. The Company and its subsidiaries derive all of their income from banking and bank-related services. Through 18 locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland Counties, Pennsylvania, the Bank conducts a general banking business. AmeriServ Trust and Financial Services Company is committed to delivering personalized, professional service to its clients. AmeriServ Life is a captive insurance company. AmeriServ Life engages in underwriting as reinsurer of credit life and disability insurance within the Company�s market area.