UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
Under the Securities Exchange Act of 1934
BFS BANKORP, INC.
(Name of Issuer)
Common Stock, par value $0.01 per share
(Title of Class of Securities)
055407100
(CUSIP Number)
Check the following box if a fee is being paid with this
statement [ ]. (A fee is not required only if the filing person:
[1] has a previous statement on file reporting beneficial
ownership of more than five percent of the class of securities
described in Item 1; and [2] has filed no amendment subsequent
thereto reporting beneficial ownership of five percent or less of
such class.) (See Rule 13d-7).
*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 ("Act") 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 1 of 8 Pages
<PAGE>
CUSIP No. 055407100 13G Page 2 of 8 Pages
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
First Fidelity Bancorporation 22-2826775
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [ ]
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
New Jersey
NUMBER OF SHARES
BENEFICIALLY
OWNED BY EACH
REPORTING PERSON
WITH
5 SOLE VOTING POWER
-0-
6 SHARED VOTING POWER
-0-
7 SOLE DISPOSITIVE POWER
33,287
8 SHARED DISPOSITIVE POWER
-0-
9 AGGREGATE AMOUNT BENEFICIALLY OWNED
BY EACH REPORTING PERSON
33,287
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES*
N/A
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
2.06%
12 TYPE OF REPORTING PERSON*
HC
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP No. 055407100 13G Page 3 of 8 Pages
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
First Fidelity Incorporated 22-1894945
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [ ]
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
New Jersey
NUMBER OF SHARES
BENEFICIALLY
OWNED BY EACH
REPORTING PERSON
WITH
5 SOLE VOTING POWER
-0-
6 SHARED VOTING POWER
-0-
7 SOLE DISPOSITIVE POWER
33,287
8 SHARED DISPOSITIVE POWER
-0-
9 AGGREGATE AMOUNT BENEFICIALLY OWNED
BY EACH REPORTING PERSON
33,287
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES*
N/A
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
2.06
12 TYPE OF REPORTING PERSON*
HC
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
CUSIP No. 055407100 13G Page 4 of 8 Pages
1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
First Fidelity Bank, N.A. 22-1147033
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP*
(a) [ ]
(b) [ ]
3 SEC USE ONLY
4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
NUMBER OF SHARES
BENEFICIALLY
OWNED BY EACH
REPORTING PERSON
WITH
5 SOLE VOTING POWER
-0-
6 SHARED VOTING POWER
-0-
7 SOLE DISPOSITIVE POWER
33,287
8 SHARED DISPOSITIVE POWER
-0-
9 AGGREGATE AMOUNT BENEFICIALLY OWNED
BY EACH REPORTING PERSON
33,287
10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES
CERTAIN SHARES*
N/A
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
2.06%
12 TYPE OF REPORTING PERSON*
BK
*SEE INSTRUCTION BEFORE FILLING OUT!
<PAGE>
SCHEDULE 13
Item 1 (a) Name of Issuer: BFS Bankorp, Inc.
Item 1 (b) Address of Issuer's Principal Executive Offices:
110 William Street
New York, New York 10038-3907
Item 2 (a) Name of Person Filing:
First Fidelity Bancorporation
Item 2 (b) Address of Principal Business Officer or, if none,
Residence:
2673 Main Street
P.O. Box 6980
Lawrenceville, NJ 08648
Item 2 (c) Citizenship:
New Jersey
Item 2 (d) Title of Class of Securities:
Common Stock, par value $0.01 per share
Item 2 (e) CUSIP Number: 055407100
Item 3 If this statement is filed pursuant to Rules
13d-1(b), or 13d-2(b), check whether the person
filing is a:
(a) ( ) Broker or Dealer (registered under Section
15 of the Act.)
(b) ( ) Bank (as defined in Section 3(a)(6) of the
Act.)
(c) ( ) Insurance Company (as defined in Section
3(a)(19) of the Act.)
Page 5 of 8 Pages
<PAGE>
(d) ( ) Investment Company (registered under Section
8 of the Investment Company Act.)
(e) ( ) Investment Adviser (registered under Section
203 of the Investment Advisers Act of 1940.)
(f) ( ) Employee Benefit Plan, Pension Fund which is
subject to the provisions of the Employee Re-
tirement Income Security Act of 1974 or
Endowment Fund; (see Section 240.13d-1(b)(1)(ii)(F).)
(g) (X) Parent Holding Company, (in accordance with
Section 240.13d-1(b)(1)(ii)(G).) (Note: see Item 7).
(h) ( ) Group (in accordance with Section 240.13d-1(b)(1)(ii)
(H).)
Item 4 Ownership
(a) Amount Beneficially Owned: 33,287 shares
(b) Percent of Class: 2.06%
(c) Number of shares as to which such person has:
(i) sole power to vote or to direct the vote:
-0- shares
(ii) shared power to vote or to direct the
vote: -0- shares
(iii) sole power to dispose or to direct the
disposition of: 33,287 shares
(iv) shared power to dispose or to direct the
disposition of: -0- shares
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 [X].
Page 6 of 8 Pages
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Item 6 Ownership of More than Five Percent on Behalf
of Another Person.
N/A
Item 7 Identification and Classification of the Subsidiary Which
Acquired the Securing Being Reported on By the Parent
Holding Company.
The securities being reported are held by First Fidelity
Bank, N.A., a subsidiary of First Fidelity Incorporated (HC) and First
Fidelity Bancorporation (HC), which is a bank (BK), in its trust area.
Item 8 Identification and Classification of Members of the
Group.
N/A
Item 9 Notice of Dissolution of Group.
N/A
Item 10 Certification.
By signing below I certify that, to the best of my
knowledge and belief, the securities referred to above
were acquired in the ordinary course of business and were
not acquired for the purpose of and do not have the
effect of changing or influencing the control of the
issuer of such securities and were not acquired in
connection with or as a participant in any transaction
having such purposes or effect.
Page 7 of 8 Pages
<PAGE>
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.
Date: February 7, 1995
FIRST FIDELITY BANCORPORATION
Stephen J. Antal, Assistant
Secretary
FIRST FIDELITY BANK,
NATIONAL ASSOCIATION
Stephen J. Antal, Assistant
Secretary
FIRST FIDELITY INCORPORATED
Stephen J. Antal, Assistant
Secretary
Page 8 of 8 Pages