Like Mr. Scozzaro, she talked about watching as mutual savings and loan banks went public.

In December 1995, Broadway began its conversion from a mutual savings and loan to a stock savings bank.

It was only in 1982 that they gained legislative approval to convert from mutual savings banks, which are owned by depositors, to publicly held institutions.

The facts: There are 549 mutual savings and loans left in the pool of possible conversions.

Green Point, based in Flushing, Queens, is the nation's largest mutual savings bank.

About 1,200 mutual savings institutions remain, and 75 have more than $500 million in assets.

Previously, the company had been a mutual savings and loan.

Typically, only a small fraction of long-term mutual savings bank depositors participate in such votes.

Green Point had been the nation's largest mutual savings bank, with assets of $6.44 billion.

SNL has published lists of healthy mutual savings that could be candidates for conversion.