MARINE MIDLAND BANKS INC
15-12B, 1995-12-08
STATE COMMERCIAL BANKS
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S E C U R I T I E S   A N D   E X C H A N G E   C O M M I S S I O N
                                  Washington, D.C. 20549

                                          FORM 15


CERTIFICATION AND NOTICE OF TERMINATION OF REGISTRATION UNDER SECTION 12(g)
OF THE SECURITIES EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS
UNDER SECTIONS 13 AND 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.


      Commission Number                  33-36879


Marine Midland Bank (formerly Marine Midland Bank, N.A.)
- - ------------------------------------------------------------------------------
(Exact name of registrant as specified in its charter)

One Marine Midland Center,    Buffalo, N.Y. 14240      (716) 841-2424
- - ------------------------------------------------------------------------------
(Address, including zip code, and telephone number, including area code, of 
registrant's principal executive offices)

Marine Midland Home Equity Loan Trust 1991-A
- - ------------------------------------------------------------------------------
(Title of each class of securities covered by this Form)

          None
- - ------------------------------------------------------------------------------
(Titles of all other classes of securities for which a duty to file reports 
under section 13(a) of 15(d) remains)

Please place an X in the box(es) to designate, the appropriate rule 
provision(s) relied upon to terminate or suspend the duty to file reports:


Rule 12g-4(a)(1)(i)      [X]                  Rule 12h-3(b)(1)(i)       [  ]  
Rule 12g-4(a)(1)(ii)     [  ]                 Rule 12h-3(b)(1)(ii)      [  ]  
Rule 12g-4(a)(2)(i)      [  ]                 Rule 12h-3(b)(2)(i)       [  ]  
Rule 12g-4(a)(2)(ii)     [  ]                 Rule 12h-3(b)(2)(ii)      [  ]  
                                              Rule 15d-6                [  ]  

Approximate number of holders of record as of the certification 
or notice date:                             -0-
                         -----------------------------------------


  Pursuant to the requirements of the Securities Exchange Act of 1934 (Name of
registrant as specified in charter) has caused this certification/notice
to be signed on its behalf by the undersigned duly authorized person.

Date:   December 7, 1995 By: Gerald A. Ronning
                         -----------------------------------------------------
                             Gerald A. Ronning, 
                             Executive Vice President & Controller

Instruction: This form is required by Rules 12g-4, 12h-3, and 15d-6 of the 
General Rules and Regulations under the Securities Exchange Act of 1934.  The 
registrant shall file with the Commission three copies of Form 15, one of
which shall be manually signed.  It may be signed by an officer of the 
registrant, by counsel or by any other duly authorized person.  The name and 
title of the person signing the form shall be typed or printed under the
signature.




SEC 2069 (12-86)



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