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 Moody's Investors Service Inc. said 
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it lowered the debt ratings of certain long-term debt 
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held by this company.
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 The debt-rating concern cited the bank's move into the Texas market,
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 noting 
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its profitability and capital adequacy measurements will be depressed relative to the bank's past performance.
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 Moody's also said 
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it raised its rating on the Deposit Insurance Bridge Bank,
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 now known as Bank One, Texas N.A.,
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 reflecting the support of other banking affiliates and substantial assistance for the FDIC.
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 Officials at the New York bank-holding company weren't available for comment on the debt-rating changes.
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consequence-s

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result

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