BINGHAMTON, N.Y. -- Binghamton Saving Bank, the sole subsidiary of BSB Bancorp, said it has decided to convert from a savings bank charter to a commercial bank charter, and will be known as BSB Bank and Trust.

The change, subject to regulatory approvals, is expected to be completed before yearend.

William H. Rincker, president and chief executive, said the $1.1 billion-asset thrift has taken on the profile of a full-service commercial bank - including trust and pension services - and a bank charter will allow it more easily to expand its product offerings.

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