Exhibit 23.1
Consent of Independent Public Accountants
As independent public accountants, we hereby consent to
the incorporation by reference in this Registration Statement
on Form S-8 of our report dated January 21, 2000, included in
Three Rivers Bancorp, Inc.'s Form 10 for the year ended
December 31, 1999, and to all references to our firm included
in this Registration Statement.
Arthur Andersen LLP
Pittsburgh, Pennsylvania
June 7, 2000
06/13/00/SL1 73526v1/31059.001
06/13/00/SL1 73526v1/31059.001
