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Alliance Financial Corporation operates as a holding company for Alliance Bank, N.A. (bank). The bank offers banking, commercial leasing, trust, and investment services. Its depository account services include interest and noninterest bearing checking accounts, money market accounts, savings accounts, time deposit accounts, and individual retirement accounts. The banks lending activities include residential and commercial mortgage loans, business lines of credit, working capital facilities, and business term loans, as well as installment loans, home equity loans, student loans, and personal lines of credit to individuals. Its trust and investment services include personal trust, employee benefit trust, investment management, custodial, and financial planning services. In addition, the bank offers safe deposit boxes, traveler checks, money orders, wire transfers, collection services, drive-up banking facilities, 24-hour night depositories, automated teller machines, 24-hour telephone banking, and on-line Internet banking. Through its 20 office locations, it offers a range of financial products to its commercial, retail, government, and trust customers in Cortland, Madison, Oneida, and Onondaga counties, New York. Alliance Financial was formed in 1998 as a result of the merger of Cortland First Financial Corporation and Oneida Valley Bancshares, Inc. The company is based in Syracuse, New York.
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