SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
[ X ] Annual Report pursuant to Section 15(d) of the
Securities Exchange Act of 1934 for the fiscal year
ended December 31, 1993.
or
[ ] Transition Report pursuant to Section 15(d) of the
Securities Exchange Act of 1934 for the transition
period from ____________ to ______________.
Commission File Number: 0-11204
USBANCORP Western Region 401(k) Plan
(Full title of the plan)
USBANCORP, Inc.
Main and Franklin Streets
Johnstown, PA 15901
(Name of issuer of the securities held pursuant to the plan and
the address of its principal executive office.)
Registrant's telephone number, including
area code: (814) 533-5300
Notices and communications from the Securities and Exchange
Commission relative to this report should be forwarded to:
USBANCORP, Inc.
Main and Franklin Streets
Johnstown, PA 15901
Attention: Terry K. Dunkle
With a copy to:
Judith A. Johnstone, Esquire
Stevens & Lee
One Penn Square
P.O. Box 1594
Lancaster, PA 17608-1594
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Item 1. Financial Statements and Exhibits
a. Financial Statements
1. Report of Barnes, Saly & Company.
2. Audited Statement of Net Assets Available for
Benefits as of December 31, 1993 and 1992.
3. Audited Statement of Changes in Net Assets
Available for Benefits for each of the years
in the three year period ended December 31,
1993.
4. Notes to Financial Statements.
b. Exhibits
1. Consent of Barnes, Saly & Company.
<PAGE>
SIGNATURES
Pursuant to the requirements of the Securities Exchange
Act of 1934, the Trustees of the USBANCORP Western Region 401(k)
Plan have duly caused this annual report to be signed on its
behalf by the undersigned thereunto duly authorized.
Dated: September 19, 1994 USBANCORP Western Region 401(k)
Plan
USBANCORP Trust Company, as Trustee
By /s/ Anne G. Bump
Anne G. Bump
<PAGE>
Exhibit Index
Page Number in
Exhibit Manually Signed Original
1. Consent of Barnes, Saly & Company
Exhibit 23.1
[Letterhead of BARNES, SALY & COMPANY]
CONSENT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
Board of Trustees
USBANCORP Western Region 401(k) Plan
McKeesport, Pennsylvania
We hereby consent to the inclusion in Form 11-K of our
report dated July 25, 1994 relating to the statements of net
assets available for benefits of the USBANCORP Western Region
401(k) Plan as of December 31, 1993 and 1992, and the related
statements of changes in net assets available for benefits for
the three years ended December 31, 1993.
Barnes, Saly & Company
Johnstown, Pennsylvania
October 4, 1994
