<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>2
<FILENAME>w18233exv21.txt
<DESCRIPTION>SUBSIDIARIES OF THE REGISTRANT
<TEXT>
<PAGE>
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                                    EXHIBIT A

(21) SUBSIDIARIES OF THE REGISTRANT

<TABLE>
<CAPTION>
                                                 PERCENT OF           JURISDICTION
NAME                                              OWNERSHIP          OF ORGANIZATION
----                                             ----------   ----------------------------
<S>                                              <C>          <C>
AmeriServ Financial Bank                            100%      Commonwealth of Pennsylvania
   216 Franklin Street
   P.O. Box 520
   Johnstown, PA 15907

AmeriServ Life Insurance Company                    100%      State of Arizona
   101 N. First Avenue #2460
   Phoenix, AZ 85003

AmeriServ Trust and Financial Services Company      100%      Commonwealth of Pennsylvania
   216 Franklin Street
   P.O. Box 520
   Johnstown, PA 15907

AmeriServ Associates, Inc                           100%      Commonwealth of Pennsylvania
   734 South Atherton Street
   State College, PA 16801
</TABLE>


                                       80

</TEXT>
</DOCUMENT>