
    Robert M. Costello, Respondent, v Oneida National Bank and Trust Company of Central New York, Appellant.
    Argued September 3, 1985;
    decided October 8, 1985
    
      APPEARANCES OF COUNSEL
    
      Thomas F. O’Donnell for appellant.
    
      Michael P. Ringwood for respondent.
   OPINION OF THE COURT

Order affirmed, with costs, for the reasons stated in the memorandum at the Appellate Division (109 AD2d 1085).

Concur: Chief Judge Wachtler and Judges Jasen, Meyer, Simons, Kaye, Alexander and Titone.  