AmeriServ Financial is a bank holding company and the parent of AmeriServ Financial Bank and AmeriServ Trust and Financial Services Company in Johnstown, Pa.; AmeriServ Associates of State College, Pa.; and AmeriServ Life Insurance Company. Ameriserv Financial is a full-service bank and lending institution that offers personal, business banking, trusts and investments, mortgage services and online banking. Personal banking options include deposit products and consumer lending services. Business banking options include deposit products, commercial lending services and a resource center. Trust and investment services include trust, investment, retirement, municipal bond and union specialty funds. Mortgage services include fixed rate mortgages, adjustable rate mortgages, construction loans and community reinvestment mortgages. AmeriServ Financial is headquartered in Johnstown, Pa.