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AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides a range of consumer, mortgage, and commercial financial products and services. The company offers retail banking services, such as demand deposits, savings and time deposits, checking accounts, money market accounts, secured and unsecured consumer loans, mortgage loans, safe deposit boxes, holiday club accounts, money orders, and traveler's checks. It also offers lending, depository and related financial services consisting commercial real estate-mortgage loans, short and medium-term loans, revolving credit arrangements, lines of credit, inventory and accounts receivable financing, real estate construction loans, business savings accounts, certificates of deposit, wire transfers, night depository, and lock box services to commercial, industrial, financial, and governmental customers. In addition, the company provides personal trust products and services, including personal portfolio investment management, estate planning and administration, custodial services, and pre-need trusts; institutional trust products and services, including 401(k) plans, defined benefit and defined contribution employee benefit plans, and individual retirement accounts; financial services consisting of the sale of mutual funds, annuities, and insurance products; and union collective investment funds to invest union pension dollars in construction projects that utilize union labor. Further, it is involved in underwriting as reinsurer of credit life and disability insurance. The company provides its services through a network of 18 banking locations in Allegheny, Cambria, Centre, Somerset, and Westmoreland Counties, Pennsylvania; and operates 20 automated bank teller machines. AmeriServ Financial, Inc. was founded in 1982 and is headquartered in Johnstown, Pennsylvania.