EXHIBIT 31.1

     I, Allan R. Dennison, certify that:

1.   I have reviewed this annual report on Form 10-K of AmeriServ Financial,
     Inc. (ASF);

2.   Based on my knowledge, this report does not contain any untrue statement of
     a material fact or omit to state a material fact necessary to make the
     statements made, in light of the circumstances under which such statements
     were made, not misleading with respect to the period covered by this
     report;

3.   Based on my knowledge, the financial statements, and other financial
     information included in this report, fairly present in all material
     respects the financial condition, results of operations and cash flows of
     ASF as of, and for, the periods presented in this report;

4.   ASF's other certifying officer and I are responsible for establishing and
     maintaining disclosure controls and procedures (as defined in Exchange Act
     Rules 13a-15(e) and 15d-15(e)) and internal control over financial
     reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for
     ASF and have:

     (a)  Designed such disclosure controls and procedures, or caused such
          disclosure controls and procedures to be designed under our
          supervision, to ensure that material information relating to ASF,
          including its consolidated subsidiaries, is made known to us by others
          within those entities, particularly during the period in which this
          report is being prepared;

     (b)  Designed such internal control over financial reporting, or caused
          such internal control over financial reporting to be designed under
          our supervision, to provide reasonable assurance regarding the
          reliability of financial reporting and the preparation of financial
          statements for external purposes in accordance with generally accepted
          accounting principles;

     (c)  Evaluated the effectiveness of ASF's disclosure controls and
          procedures and presented in this report our conclusions about the
          effectiveness of the disclosure controls and procedures, as of the end
          of the period covered by this report based on such evaluation; and

     (d)  Disclosed in this report any change in ASF's internal control over
          financial reporting that occurred during ASF's most recent fiscal
          quarter (ASF's fourth fiscal quarter in the case of an annual report)
          that has materially affected, or is reasonably likely to materially
          affect, ASF's internal control over financial reporting; and

5.   ASF's other certifying officer and I have disclosed, based on our most
     recent evaluation of internal control over financial reporting, to ASF's
     auditors and the audit committee of ASF's board of directors:

     (a)  All significant deficiencies and material weaknesses in the design or
          operation of internal control over financial reporting which are
          reasonably likely to adversely affect ASF's ability to record,
          process, summarize and report financial information; and

     (b)  Any fraud, whether or not material, that involves management or other
          employees who have a significant role in ASF's internal control over
          financial reporting.


Date: March 8, 2006                     /s/ Allan R. Dennison
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                                        Allan R. Dennison
                                        President & CEO


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