SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
_____________
SCHEDULE 13G
(RULE 13D-102)
INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT
TO RULES 13D-1(B) AND (C) AND AMENDMENTS THERETO FILED
PURSUANT TO 13D-2(B)
(AMENDMENT NO. _________){1}
First International Bancorp, Inc.
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(Name of Issuer)
Common Stock, par value $.10 per share
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(Title of Class of Securities)
32054Q 10
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(CUSIP Number)
_____________
**FOOTNOTES**
{1} The remainder of this cover page shall be filled out for a
reporting person's initial filing on this form with respect to the subject
class of securities, and for any subsequent amendment containing
information which would alter the disclosures provided in a prior cover
page.
The information required in the remainder of this cover page shall not
be deemed to be "filed" for the purpose of Section 18 of the Securities
Exchange Act of 1934 or otherwise subject to the liabilities of that
Section of the Act but shall be subject to all other provisions of the Act
(however, SEE the NOTES).
<PAGE>
CUSIP No. 32054Q 10 13G Page 2 of 7 Pages
1 NAMES OF REPORTING PERSONS
IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
Sandra M. Chase
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP* (a) / /
(b) /X/
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
U.S.
5 SOLE VOTING POWER
0 shares
NUMBER OF
SHARES 6 SHARED VOTING POWER
BENEFICIALLY 1,355 shares
OWNED BY EACH
REPORTING 7 SOLE DISPOSITIVE POWER
PERSON 0 shares
WITH
8 SHARED DISPOSITIVE POWER
1,355 shares
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
1,355 shares
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES* /X/
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9 )
less than 0.1%
12 TYPE OF REPORTING PERSON*
IN
*SEE INSTRUCTIONS BEFORE FILLING OUT!
<PAGE>
Item 1(a). Name of Issuer:
First International Bancorp, Inc.
Item 1(b). Address of Issuer's Principal Executive Offices:
One Commercial Plaza
Hartford, Connecticut 06103
Item 2(a). Name of Person Filing:
Sandra M. Chase (the "reporting person")
Item 2(b). Address of Principal Business Office or, if None, Residence:
9 Rushleigh Road
West Hartford, Connecticut 06117
Item 2(c). Citizenship:
United States
Item 2(d). Title of Class of Securities:
common stock, par value $.10 per share ("Common Stock")
Item 2(e). CUSIP Number:
32054Q 10
Item 3. If this statement is filed pursuant to Rules 13d-1(b) or 13d-2(b),
check whether the person filing is a:
Not applicable
Item 4. Ownership*.
(a) Amount Beneficially Owned: 1,355 shares
(b) Percent of Class: less than 0.1%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the vote: 0
(ii) shared power to vote or to direct the vote: 1,355
(iii) sole power to dispose or to direct the disposition of: 0
(iv) shared power to dispose or to direct the disposition of: 1,355
* This Schedule does not relate to, and, in accordance with Rule
13d-4 under the Securities Exchange Act of 1934, as amended (the
"Exchange Act"), the reporting person expressly declares that the
filing of this Schedule shall not be construed as an admission
that she is, for purposes of Sections 13(d) or 13(g) of the
Exchange Act, the beneficial owner of, any of (i) 938,193 shares
of Common Stock, or 11.9% of the shares of Common Stock
outstanding, owned as of December 31, 1997, by Arnold L. Chase,
the reporting person's spouse, (ii) 804,787 shares of Common
Stock, or 10.2% of the shares of Common Stock outstanding, owned
as of December 31, 1997, by Cheryl A. Chase, the sister of Arnold
L. Chase, (iii) 149,877 shares of Common Stock, or 1.9% of the
shares of Common Stock outstanding, owned as of December 31,
1997, by David T. Chase, the father of Arnold L. Chase and Cheryl
A. Chase, (iv) 1,425,000 shares of Common Stock, or 18.1% of the
shares of Common Stock outstanding, owned as of December 31,
1997, by Rhoda L. Chase, the mother of Arnold L. Chase and Cheryl
A. Chase and the spouse of David T. Chase, (v) 55,227 shares of
Common Stock, or 0.7% of the shares of Common Stock outstanding,
owned as of December 31, 1997, by Arnold Chase Accumulation Trust
I, a trust of which Arnold L. Chase and Stanley N. Bergman are
the trustees and Arnold L. Chase and the children of Arnold L.
Chase and the reporting person are the beneficiaries, (vi) 55,227
shares of Common Stock, or 0.7% of the shares of Common Stock
outstanding, owned as of December 31, 1997, by Arnold L. Chase
Accumulation Trust II, a trust of which Arnold L. Chase and
Stanley N. Bergman are the trustees and Arnold L. Chase and the
children of Arnold L. Chase and the reporting person are the
beneficiaries, (vii) 55,227 shares of Common Stock, or 0.7% of
the shares of Common Stock outstanding, owned as of December 31,
1997, by Cheryl A. Chase Accumulation Trust I, a trust of which
Cheryl A. Chase and Stanley N. Bergman are the trustees and
Cheryl A. Chase and her children are the beneficiaries, (viii)
55,227 shares of Common Stock, or 0.7% of the shares of Common
Stock outstanding, owned as of December 31, 1997, by Cheryl A.
Chase Accumulation Trust II, a trust of which Cheryl A. Chase and
Stanley N. Bergman are the trustees and Cheryl A. Chase and her
children are the beneficiaries, (ix) 32,039 shares of Common
Stock, or 0.4% of the shares of Common Stock outstanding, owned
as of December 31, 1997, by Cheryl A. Chase Marital Trust, a
trust of which Cheryl A Chase and Kenneth N. Musen are the
trustees and Cheryl A. Chase and her children, are the
beneficiaries (x) 112,522 shares of Common Stock, or 1.4% of the
shares of Common Stock outstanding, owned as of December 31,
1997, by The Darland Trust, a trust of which Rothschild Trust
Cayman Limited is trustee and Cheryl A. Chase and her children
are the beneficiaries, or (xi) 5,500 shares of Common Stock, or
less than 0.1% of the shares of Common Stock outstanding, owned
as of December 31, 1997, by American Ranger, Inc. ("American
Ranger"), a company which is owned and controlled by the Chase
family as described below. David T. Chase may be deemed to be a
beneficial owner of the shares referred to in clause (ix) of the
immediately preceding sentence and 86,365 of the shares referred
to in clause (iv) of the immediately preceding sentence.
American Ranger is a wholly-owned subsidiary of D.T. Chase
Enterprises, Inc. ("DTCE"), a holding company for various Chase
family interests. David T. Chase, Arnold L. Chase and Cheryl A.
Chase are the directors and executive officers of American
Ranger and the directors and three of the executive officers of
DTCE. All of the outstanding stock of DTCE is owned by David T.
Chase (33.95%), Rhoda L. Chase (2.21%), Arnold L. Chase (9.34%),
Cheryl A. Chase (14.74%), Arnold Chase Accumulation Trust I
(5.07%), Arnold Chase Accumulation Trust II (7.54%), five trusts
for the benefit of Arnold L. Chase's children, of which Stanley
N. Bergman and Arnold L. Chase are co-trustees (7.55% in the
aggregate), Cheryl A. Chase Accumulation Trust I (4.79%), Cheryl
A. Chase Accumulation Trust II (7.27%) and five trusts for the
benefit of Cheryl A. Chase's children, of which Stanley N.
Bergman and Cheryl A. Chase are co-trustees (7.55% in the
aggregate).
This filing is being made because of the relationships between
the reporting person and the other persons named in this Item.
The reporting person has not agreed to act together with any of
the foregoing persons or with any other person or entity for the
purpose of acquiring, holding, voting or disposing of shares of
Common Stock and the reporting person disclaims membership in
any "group" with respect to the Common Stock for purposes of
Section 13(d)(3) of the Exchange Act and Rule 13d-5(b)(1)
thereunder.
Item 5. Ownership of Five Percent or Less of a Class.
If this statement is being filed to report the fact that as of the
date hereof the reporting person has ceased to be the beneficial
owner of more than five percent of the class of securities, check
the following [ ]
Item 6. Ownership of More Than Five Percent on Behalf of Another Person.
Arnold L. Chase, the reporting person's spouse, and the reporting
person share the right to receive and to direct the receipt of
dividends from, and the proceeds of the sale of, the 1,355 shares
of Common Stock owned by the reporting person.
Item 7. Identification and Classification of the Subsidiary Which Acquired
the Security Being Reported on by the Parent Holding Company.
Not Applicable
Item 8. Identification and Classification of Members of the Group.
Not Applicable
Item 9. Notice of Dissolution of Group.
Not Applicable
Item 10.Certification.
Not Applicable
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SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete
and correct.
Dated: February 10, 1998
/s/ Sandra M. Chase
Sandra M. Chase
