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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
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FORM 8-K
CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Date of Report: February 6, 1998
UST CORP.
(Exact name of registrant as specified in its charter)
Massachusetts 0-9623 04-2436093
(State or other jurisdiction (Commission File No.) (IRS Employer
of Incorporation) Identification No.)
40 Court Street 02108
Boston, Massachusetts (Zip Code)
(Address of principal executive offices)
(617) 726-7000
(Registrant's telephone number,
including area code)
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Item 7. Financial Statements, Pro Forma Financial Information and Exhibits.
The following exhibits are filed with this Current Report on Form 8-K:
Exhibit
Number Description
23.1 Consent of Arthur Andersen LLP, Independent
Auditors of Firestone Financial Corp.
23.2 Consent of Wolf & Company, P.C., Independent
Auditors of Somerset Savings Bank
23.3 Consent of Arthur Andersen LLP, Independent Auditors
of Affiliated Community Bancorp, Inc.
23.4 Consent of KPMG Peat Marwick LLP, Independent
Auditors of The Federal Savings Bank and Main Street
Community Bancorp, Inc.
99.1 Unaudited Financial Information of Firestone
Financial Corp. as of September 30, 1997
99.2 Financial Statements of Firestone Financial Corp.
as of December 31, 1996
99.3 Financial Statements of Firestone Financial Corp.
as of December 31, 1995
99.4 Unaudited Financial Information of Somerset
Savings Bank as of September 30, 1997
99.5 Financial Statements of Somerset Savings Bank
as of December 31, 1996
99.6 Unaudited Financial Information of Affiliated
Community Bancorp, Inc. as of September 30, 1997
99.7 Financial Statements of Affiliated Community
Bancorp, Inc. as of December 31, 1996
99.8 UST Corp., Firestone Financial Corp., Somerset
Savings Bank and Affiliated Community Bancorp,
Inc. Unaudited Pro Forma Condensed Financial
Information
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EXHIBIT INDEX
Exhibit Page
Number Description Number
23.1 Consent of Arthur Andersen LLP, Independent Auditors of 5
Firestone Financial Corp.
23.2 Consent of Wolf & Company, P.C., Independent Auditors of 6
Somerset Savings Bank
23.3 Consent of Arthur Andersen LLP, Independent Auditors of 7
Affiliated Community Bancorp, Inc.
23.4 Consent of KPMG Peat Marwick LLP, Independent Auditors 8
of The Federal Savings Bank and Main Street Community
Bancorp, Inc.
99.1 Unaudited Financial Information of Firestone 9
Financial Corp. as of September 30, 1997
99.2 Financial Statements of Firestone Financial Corp. 13
as of December 31, 1996
99.3 Financial Statements of Firestone Financial Corp. 28
as of December 31, 1995
99.4 Unaudited Financial Information of Somerset 49
Savings Bank as of September 30, 1997
99.5 Financial Statements of Somerset Savings Bank 56
as of December 31, 1996
99.6 Unaudited Financial Information of Affiliated 82
Community Bancorp, Inc. as of September 30, 1997
99.7 Financial Statements of Affiliated Community Bancorp, 88
Inc. as of December 31, 1996
99.8 UST Corp., Firestone Financial Corp., Somerset Savings 125
Bank and Affiliated Community Bancorp, Inc. Unaudited
Pro Forma Condensed Financial Information
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.
UST Corp.
/s/ James K. Hunt
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James K. Hunt
Executive Vice President, Chief
Financial Officer and Treasurer
/s/ Eric R. Fischer
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Eric R. Fischer
Executive Vice President,
General Counsel and Clerk
Dated: February 6, 1998
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