TR FINANCIAL CORP
15-12G, 1999-02-17
STATE COMMERCIAL BANKS
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<PAGE>
 
                                 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 No. 0-21386

                              T R Financial Corp.
             (Exact name of registrant as specified in its charter)

       1122 Franklin Avenue, Garden City, New York 11530, (516) 742-9300
    (Address, including zip code and telephone number including area code of
                   registrant's principal executive offices)

                         Common Stock, par value $0.01
            (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:

<TABLE>
<S>                               <C>         <C>                      <C>
          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               [ ]
</TABLE>

     Approximate number of holders of record as of the certification date:

                                       0

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


DATE: February 17, 1999          BY: /s/ Michael P. Puorro
                                    ------------------------------------------
                                    Michael P. Puorro, Chief Financial Officer
                                    Roslyn Bancorp, Inc.


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