Exhibit 23.3








             [Letterhead of Barnes, Saly & Company]

       CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS



Board of Trustees
U S National Bank Collectively-Bargained
  Employees 401(k) Plan
Johnstown, Pennsylvania



          We hereby consent to incorporation by reference in the
registration Statement on Form S-8 of U S National Bank
Collectively-Bargained Employees 401(k) Plan of our report dated
June 14, 1994 relating to the statements of net assets of the
Plan as of December 31, 1993 and 1992, and the related statements
of changes in net assets for the year ended December 31, 1993 and
the period from July 1, 1992 (date of inception) to December 31,
1992, which report appears in the December 31, 1993 annual report
on Form 11-K of the U S National Bank Collectively-Bargained
Employees 401(k) Plan.



                              /s/ Barnes, Saly & Company


Johnstown, Pennsylvania
August 19, 1994