MERCHANTS BANCSHARES INC, 11-K/A, 1994-06-30

MERCHANTS BANCSHARES INC
11-K/A, 1994-06-30
STATE COMMERCIAL BANKS

Previous: CIRCUS CIRCUS ENTERPRISES INC, 11-K/A, 1994-06-30

Next: DEFINED ASSET FUNDS CORPORATE INC FD ADJ RATE PFD STK SER 3, 24F-2NT, 1994-06-30











                              June 30, 1994





Securities and Exchange Commission
Branch of Document Control, 1-4
450 Fifth St. NW
Washington, D.C. 20549

Dear Sir or Madam:

     This letter is to inform you that the exhibit of financials for the Form 
11K filed on 3-31-94 for Merchants Bancshares, Inc. 401(k) Plan are being sub-
mitted to the SEC under cover of Form SE and should be received by your office
today.

     If you have any questions please contact me at (802) 865-1822.

                              Sincerely,



                              Wanda F.S. Morin
                              Shareholder Relations Administrator