ALERT 99-12
Type: Unauthorized Banking
Subject: National State Bank in Ohio
Date: December 21, 1999

TO:  Chief Executive Officers of All National Banks; All State
     Banking Authorities; Chairman, Board of Governors of the
     Federal Reserve System; Chairman, Federal Deposit Insurance
     Corporation; Conference of State Bank Supervisors; Deputy
     Comptrollers (Districts); Assistant Deputy Comptrollers;
     District Counsel and Examining Personnel

RE:  National State Bank in Ohio
     Cleveland, Ohio

     Information has been received that the subject entity may be
     conducting banking business in the United States without
     authorization.  The Office of the Comptroller of the
     Currency has not granted a national bank charter to this
     entity.  Further, the Ohio Division of Financial
     Institutions has advised that the subject entity has not
     been granted permission to operate in Ohio.

     Any information which you may have concerning this matter
     should be brought to the attention of:
               The Ohio Department of Commerce
               Division of Financial Institutions
               77 South High Street, 21st Floor
               Columbus, OH 43266-0121    
               (614) 728-8400   Fax (614) 644-1631
     and
               Office of the Comptroller of the Currency
               Enforcement & Compliance Division
               250 E Street, SW
               Washington, DC   20219   
               (202) 874-4800      Fax (202) 874-5301 



                                                         
     Daniel P. Stipano
     Director
     Enforcement & Compliance Division