EXHIBIT 99.2




                        Report of Independent Accountants

To the Board of Directors and Shareholders
of Promistar Financial Corporation:

In our opinion, the consolidated statements of income, cash flows, changes in
shareholders' equity and comprehensive income for the year ended December 31,
2000 (appearing on pages 23 through 25 of Promistar Financial Corporation's 2000
Annual Report to Shareholders which has been incorporated by reference in this
Form 10-K) present fairly, in all material respects, the results of operations
and cash flows of Promistar Financial Corporation and its subsidiaries for the
year ended December 31, 2000, in conformity with accounting principles generally
accepted in the United States of America. These financial statements are the
responsibility of the Company's management; our responsibility is to express an
opinion on these financial statements based on our audit. We conducted our audit
of these statements in accordance with auditing standards generally accepted in
the United States of America, which require that we plan and perform the audit
to obtain reasonable assurance about whether the financial statements are free
of material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements, assessing
the accounting principles used and significant estimates made by management, and
evaluating the overall financial statement presentation. We believe that our
audit provides a reasonable basis for our opinion.



/s/ PricewaterhouseCoopers LLP
Harrisburg, Pennsylvania
January 23, 2001 except for Note 22, which is dated February 26, 2001