Exhibit 23.1

              [LETTERHEAD OF ARTHUR ANDERSEN & CO.]



            CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS


As independent public accountants, we hereby consent to the
incorporation by reference in the registration statements on
Forms S-8 for the United States National Bank Collectively
Bargained Employees' 401(k) Plan and United States National Bank
Noncollectively Bargained Employees' 401(k) Plan of our report
dated January 28, 1994, included in USBANCORP, Inc.'s 10-K for
the year ended December 31, 1993, and to all references to our
firm included in this registration statement. 



                                        /s/ Arthur Andersen & Co.



Pittsburgh, Pennsylvania
August 18, 1994