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 6 Pages
1 NAMES OF REPORTING PERSONS
IDENTIFICATION NO. OF ABOVE PERSONS (ENTITIES ONLY)
Kenneth N. Musen
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 32,039 shares (see Row 9, below)
OWNED BY EACH
REPORTING 7 SOLE DISPOSITIVE POWER
PERSON 0 shares
WITH
8 SHARED DISPOSITIVE POWER
32,039 shares (see Row 9, below)
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
32,039 shares, held as joint trustee with Cheryl A. Chase for the
Cheryl A. Chase Marital Trust
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES* /X/
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (9 )
0.4%
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:
Kenneth N. Musen (the "reporting person")
Item 2(b). Address of Principal Business Office or, if None, Residence:
Bergman, Horowitz & Reynolds, P.C.
157 Church Street
P.O. Box 426
New Haven, Connecticut 06502
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: 32,039 shares
(b) Percent of Class: 0.4%
(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: 32,039
(iii) sole power to dispose or to direct the disposition of: 0
(iv) shared power to dispose or to direct the disposition of: 32,039
* The reporting person beneficially owns 32,039 shares of Common
Stock, or 0.4% of the shares of Common Stock outstanding as of
December 31, 1997, all of which are held as joint trustee with
Cheryl A. Chase for the Cheryl A. Chase Marital Trust, a trust of
which Cheryl A. Chase and her children are the beneficiaries.
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 he 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 brother of Cheryl A.
Chase, (ii) 1,355 shares of Common Stock, or less than 0.1% of the
shares of Common Stock outstanding, owned as of December 31, 1997,
jointly by Arnold L. Chase and Sandra M. Chase, the spouse of Arnold
L. Chase, (iii) 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, (iv) 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, (v) 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, (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 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 Sandra M. Chase 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 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 Sandra M. Chase 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 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, (ix) 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,
(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 86,365 of the shares
referred to in clause (v) 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.
The reporting person shares the right to direct the receipt of
dividends from, and the proceeds of the sale of, the 32,039 shares of
Common Stock beneficially owned by him with the Cheryl A. Chase
Marital Trust, Cheryl A. Chase, and David T. Chase.
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
<PAGE>
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/ Kenneth N. Musen
Kenneth N. Musen
