CHARTER ONE BANK, principal subsidiary of Charter One Financial Inc., Cleveland, Ohio, has elected John M. Fulton as senior vice president and head of commercial real estate lending and Richard D. Powers as senior vice president and manager of residential lending.

Mr. Fulton was senior vice president and senior banker at Society National Bank, Cleveland. Before joining Society, he was a senior vice president of Huntington Mortgage Co. in Cleveland. Earlier, he was executive vice president of Colwell Financial Colwell Financial Corp.

Mr. Powers was first vice president and area manager for residential loan production for Great Western Bank. Before that he was assistant vice president of underwriting at Dollar Dry Dock Bank in New York.

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