Charter One Bank, the principal subsidiary of Charter One Financial, said it plans to open 12 full-service supermarket branches in Ohio and Michigan over the next two to four years.

In Michigan, six in-store branches of Charter One's First Federal of Michigan unit will open in Kroger stores. Two are expected to open in Redford and Lincoln Park this month. The bank could not say when it would open the other four.

In Ohio, a Charter One branch will open in a Super Kmart in New Philadelphia in February.

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