RCSB FINANCIAL INC
15-12G, 1997-10-07
SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED
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                                   UNITED STATES
                        SECURITIES AND EXCHANGE COMMISSION
                                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 File Number   0-17709


                           RCSB Financial, Inc.
- ------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)


               235 East Main Street, Rochester, New York 14604
                               (716) 423-7370                    
- -------------------------------------------------------------------------
(Address, including zip code, and telephone number, including
area code, of registrant's principal executive offices)


                    Common Stock, par value $1.00 per share
- -------------------------------------------------------------------------
           (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) or 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:  None
                ----------------------

<PAGE>

  Pursuant to the requirements of the Securities Exchange Act of
1934, RCSB Financial, Inc. has caused this certification/notice to
be signed on its behalf by the undersigned duly authorized person.




Date: October 7, 1997                 By: /s/ Robert J. Vana
     -------------------                  -------------------------
                                          Robert J. Vana
                                          Chief Corporate Counsel and
                                          Corporate Secretary of Charter
                                            One Financial, Inc.
                                            (successor by merger to
                                             RCSB Financial, Inc.)
<PAGE>
<PAGE>

                                October 7, 1997




VIA EDGAR


Securities and Exchange Commission
450 Fifth Street, N.W.
Washington, D.C. 20549

     Re:    Termination of Exchange Act Registration of the
            Common Stock of Haverfield Corporation
            -----------------------------------------------

Dear Sir/Madam:

     On behalf of RCSB Financial, Inc. ("RCSB"), submitted herewith
for filing is one conformed copy of a certification on Form 15 with
respect to the termination of registration under the Securities Exchange
Act of 1934, as amended (the "Exchange Act"), of RCSB's common stock, par
value $.01 per share (the "Common Stock").

     On October 3, 1997, RCSB merged with Charter-Michigan Bancorp, Inc.,
a wholly-owned subsidiary of Charter One Financial, Inc. ("Charter One"),
with Charter-Michigan as the surviving corporation (the "Merger").  As a
result of the Merger, each share of Common Stock issued and outstanding
immediately prior to the consummation of the Merger (other than treasury
shares, and certain other shares) was converted into the right to receive
 .91 shares of the common stock of Charter One, and cash in lieu of any
fractional shares.

     In light of the fact that the corporate existence of RCSB has
ceased, please accelerate the termination of registration under the
Exchange Act of the Common Stock to the earliest possible date.


                                        Very truly yours,


                                        /S/ Michael S. Sadow
                                        -----------------------------
                                        Michael S. Sadow

Attachment
cc:   Robert J. Vana, Esq.
      James S. Fleischer, P.C.



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