Alliance Financial Corporation is a bank holding company. It offers full-service banking with a range of financial products to meet the needs of its commercial, retail, government and trust customers. Depository account services include interest- and non-interest-bearing checking accounts, money market accounts, savings accounts, time deposit accounts and individual retirement accounts (IRAs). The Companys lending activities include the making of 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. Trust and investment department services include personal trust, employee benefit trust, investment management, custodial and financial planning.