But two months later she was back at Chemical when that bank merged with Manufacturers.

The standards now used by Federal examiners are old hat at Chemical, he said.

First-quarter expenses at Chemical, for instance, were 10 percent lower than in last year's fourth quarter.

At Chemical he rose to senior vice president for human resources in 1971.

For years he had written checks, taken loans and stored valuables at Chemical.

They were still all at Chemical then and were relatively carefree.

At Chemical, this re-evaluation is still in the earliest stages.

Such a change triggers a special rule that took effect at Chemical two years ago.

In addition, third-quarter trading profits at Chemical reached $77 million, a record high.

A year later, in 1982, he was in charge of strategic planning at Chemical.