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.

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