CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



Board of Trustees
Ameriserv Financial Collectively Bargained
 401(k) Plan
Johnstown, Pennsylvania



     We hereby consent to the inclusion in Form 11-K of our report dated
May 23, 2002 relating to the statements of net assets available for
benefits of the Ameriserv Financial Collectively Bargained 401(k) Plan as
of December 31, 2001 and 2000, and the related statements of changes in net
assets available for benefits for the three years ended December 31, 2001.

Barnes, Saly & Company, LLP

Johnstown, Pennsylvania
June 24, 2002