Charles John Koch, chairman of rapidly growing Charter One Financial Inc., says he would consider making yet another big acquisition this year, but only because he expects year-2000 adjustments to keep the Cleveland thrift out of the market for much of 1999.

"Our druthers would be not to do anything" but concentrate on integrating $4.1 billion Albank Financial Corp., which Charter One just agreed to buy, Mr. Koch said. But noting the year-2000 issue, Mr. Koch said this week that "we would be maybe a little more aggressive if the right opportunity came along."

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