NY -- Standard&Poor's CreditWire 11/13/95 -- Standard&Poor's raises its ratings on 12 classes of 10 series of mortgage-backed securities issued by Marine Midland Bank, Buffalo, N.Y. to triple-`A' and affirms its triple-`A' rating on six classes of three series. Standard&Poor's also affirms its double-`A' ratings on three classes of three series. About $204 million in outstanding debt is affected. Standard&Poor's withdraws its various ratings on 66 classes of 10 series, as their principal balances have been reduced to zero (see table). The upgrades are based on two factors: dramatic rises in credit support levels and the considerable paydown of many of the residential mortgage pools backing the related series. Projected credit support
