To a casual observer, Richard F. Chormann fits the old-style banker mold.

Dark-suited and cordial, the chairman, president, and chief executive officer of First of America Bank Corp. is a throwback to an era when bankers spent whole careers at hometown financial institutions. Mr. Chormann, 59, was born, raised, and educated in southern Michigan, and has worked there 38 years for First of America and its predecessors.

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