Exhibit 4(q)(ix)


                              CERTIFICATE OF TRUST

                                       OF

                             FLEET CAPITAL TRUST IX

         This Certificate of Trust of Fleet Capital Trust IX dated September 3,
1998, is hereby duly executed and filed by the undersigned, as trustees of Fleet
Capital Trust IX, for the purpose of forming a business trust under the Delaware
Business Trust Act, 12 Del. C. Section 3801 et. seq. The undersigned hereby
certify as follows:

         1. Name. The name of the business trust formed hereby (the "Trust") is 
"Fleet Capital Trust IX."

         2. Delaware Trustee. The name and business address of the trustee of
the Trust which has its principal place of business in the State of Delaware, as
required by 12 Del. C. Sec. 3807 (a), is First Chicago Delaware Inc., a Delaware
corporation, 300 King Street, Wilmington, Delaware 19801.

         3. Effective Date. This Certificate of Trust shall be effective as of
the date of its filing.

         IN WITNESS WHEREOF, the undersigned, being the trustees of the Trust at
the time of filing of this Certificate of Trust, have executed this Certificate
of Trust as of the date first above written.

                                         /s/ William C. Mutterperl
                                        ---------------------------------------
                                        Name: William C. Mutterperl
                                        Title:  Trustee

                                         /s/ Douglas L. Jacobs
                                        ---------------------------------------
                                        Name: Douglas L. Jacobs
                                        Title:  Trustee

                                         /s/ John R. Rodehorst
                                        ---------------------------------------
                                        Name: John R. Rodehorst
                                        Title:  Trustee

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                                        FIRST CHICAGO DELAWARE INC.,
                                        as Trustee

                                        By: /s/ John R. Prendiville
                                           ------------------------------------
                                           Name: John R. Prendiville
                                           Title: Vice President