Merger Creates Another CUGiant

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THORNDALE, Pa. - (11/30/04) -- Citadel FCU said it has agreed tocombine with Atlantic CU to create the state's third largest creditunion with more than $950 million in assets. The new institutionwill continue with the Citadel name and have more than 300employees, while serving more than 110,000 members. The merger isscheduled to be completed in early 2005.

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