Built by the oldest bank in the United States, the PSFS is a dramatic expression of the steel skeleton and the many identical floors of the modern office building. Above the fifth floor the building assumes its characteristic T-shape. The typical plan shows how elevators and ducts are concentrated in one smooth block of glazed black brick. Offices project in a narrow wing for favorable light, with columns revealed on either side as vertical shafts. At the front, floors are cantilevered beyond the columns to allow continuous glass for maximum light and freedom of interior arrangement. Between the bands of glass are bands of light gray brick.