Exhibit 5.1




                         August 23, 1994




Board of Directors
USBANCORP, Inc.
Main and Franklin Streets
Johnstown, Pennsylvania  15901

Re:  U S National Bank Collectively Bargained Employees 401(k)
     Plan
     Registration Statement on Form S-8

Gentlemen:

     You have asked us to provide you with our opinion as to
whether the shares of common stock (par value $2.50) of
USBANCORP, Inc., a Pennsylvania corporation (the "Company"),
which may be issued pursuant to the Registration Statement on
Form S-8 with respect to the U S National Bank Collectively
Bargained Employees 401(k) Plan (the "Plan") filed under the
Securities Act of 1933, will be validly issued, fully paid and
nonassessable.

     In connection with this matter, we, as counsel to the
Company, have reviewed the following documents:

     (1)  the Pennsylvania Business Corporation Law,

     (2)  the Company's Articles of Incorporation,

     (3)  the Company's Bylaws,

     (4)  the Plan,

     (5)  the determination letter with respect to the Plan
issued by the Internal Revenue Service, and

     (6)  Resolutions adopted by the Company's Board of Directors
on May 27, 1994 with respect to the Plan.

     Based upon such review of the foregoing, and subject to the
qualifications, assumptions, limitations, caveats, and exceptions
stated hereafter, it is our opinion that:

     (i)  the shares of the Company's common stock issued under
the Registration Statement will, when issued, be duly and validly
issued under Pennsylvania law, and will be fully paid and
nonassessable.

     We hereby consent to the filing of this opinion as an
exhibit to the Registration Statement on Form S-8 which the
Company is filing in connection with the Plan.  In giving this
consent, however, we do not acknowledge or admit that we come
within the category of persons whose consent is required under
Section 7 of the Securities Act of 1933, or the Rules and
Regulations of the Securities and Exchange Commission thereunder.

                                   Very truly yours

                                   STEVENS & LEE

                                   /s/ Stevens & Lee